Home > The Bank of Southern Connecticut > Performance and Condition Ratios
The Bank of Southern Connecticut, Performance and Condition Ratios
| 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 | 4.8689% | 1,159 |
| Cost of funding earning assets | 0.7888% | 1,590 |
| Net interest margin | 4.0802% | 1,522 |
| Noninterest income to average assets | 0.4098% | 4,391 |
| Noninterest expense to average assets | 4.3592% | 601 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.1884% | 6,510 |
| Return on assets (ROA) | -0.1884% | 6,550 |
| Pretax return on assets | -0.1884% | 6,541 |
| Return on Equity (ROE) | -2.1272% | 6,563 |
| Retained earnings to average equity (ytd only) | -2.1272% | 6,088 |
| Net charge-offs to loans | -0.0194% | 5,694 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.5166% | 431 |
| Assets per employee ($millions) | 3.7856% | 4,384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2297% | 1,528 |
| Loan loss allowance to noncurrent loans | 40.2305% | 5,602 |
| Noncurrent assets plus other real estate owned to assets | 5.0653% | 719 |
| Noncurrent loans to loans | 5.5424% | 644 |
| Net loans and leases to total assets | 80.8648% | 356 |
| Net loans and leases to deposits | 91.7287% | 826 |
| Net loans and leases to core deposits | 96.6942% | 1,164 |
| Total domestic deposits to total assets | 88.1565% | 2,222 |
| Equity capital to assets | 8.8246% | 5,694 |
| Core capital (leverage) ratio | 8.9263% | 5,015 |
| Tier 1 risk-based capital ratio | 10.7983% | 6,488 |
| Total risk-based capital ratio | 12.0610% | 6,455 |
| Memoranda: | ||
| Average total assets | $121,030,000 | 4,373 |
| Average earning assets | $111,564,500 | 4,344 |
| Average equity | $10,718,500 | 4,831 |
| Average total loans | $102,843,500 | 3,442 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9577% | 1,666 |
| Cost of funding earning assets | 0.8848% | 2,035 |
| Net interest margin | 4.0729% | 2,111 |
| Noninterest income to average assets | 0.4898% | 3,969 |
| Noninterest expense to average assets | 3.9546% | 1,028 |
| Loan and lease loss provision to assets | 0.3643% | 1,810 |
| Net operating income to assets | -0.0254% | 6,207 |
| Return on assets (ROA) | -0.0254% | 6,329 |
| Pretax return on assets | -0.0254% | 6,309 |
| Return on Equity (ROE) | -0.3056% | 6,335 |
| Retained earnings to average equity (ytd only) | -0.3056% | 5,907 |
| Net charge-offs to loans | 0.5028% | 2,234 |
| Credit loss provision to net charge-offs | 86.9485% | 3,592 |
| Earnings coverage of net charge-offs (x) | 0.8088% | 5,065 |
| Efficiency ratio | 92.1076% | 910 |
| Assets per employee ($millions) | 3.6643% | 4,641 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1129% | 1,735 |
| Loan loss allowance to noncurrent loans | 43.0392% | 5,486 |
| Noncurrent assets plus other real estate owned to assets | 4.7651% | 838 |
| Noncurrent loans to loans | 4.9092% | 827 |
| Net loans and leases to total assets | 85.3989% | 155 |
| Net loans and leases to deposits | 95.1243% | 672 |
| Net loans and leases to core deposits | 102.1778% | 883 |
| Total domestic deposits to total assets | 89.7761% | 1,083 |
| Equity capital to assets | 8.8875% | 5,648 |
| Core capital (leverage) ratio | 8.7035% | 5,326 |
| Tier 1 risk-based capital ratio | 10.3426% | 6,599 |
| Total risk-based capital ratio | 11.6033% | 6,569 |
| Memoranda: | ||
| Average total assets | $129,847,400 | 4,147 |
| Average earning assets | $121,266,200 | 4,085 |
| Average equity | $10,798,200 | 4,798 |
| Average total loans | $108,201,800 | 3,329 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0261% | 1,623 |
| Cost of funding earning assets | 0.9130% | 2,084 |
| Net interest margin | 4.1131% | 2,045 |
| Noninterest income to average assets | 0.4835% | 4,036 |
| Noninterest expense to average assets | 3.9188% | 1,043 |
| Loan and lease loss provision to assets | 0.2423% | 2,626 |
| Net operating income to assets | 0.1746% | 5,978 |
| Return on assets (ROA) | 0.1746% | 6,132 |
| Pretax return on assets | 0.1746% | 6,164 |
| Return on Equity (ROE) | 2.1336% | 5,989 |
| Retained earnings to average equity (ytd only) | 2.1336% | 5,261 |
| Net charge-offs to loans | 0.3821% | 2,568 |
| Credit loss provision to net charge-offs | 76.9231% | 3,706 |
| Earnings coverage of net charge-offs (x) | 1.3237% | 4,634 |
| Efficiency ratio | 90.3842% | 1,012 |
| Assets per employee ($millions) | 3.9397% | 3,993 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0959% | 1,914 |
| Loan loss allowance to noncurrent loans | 45.3214% | 5,381 |
| Noncurrent assets plus other real estate owned to assets | 4.5426% | 1,011 |
| Noncurrent loans to loans | 4.6246% | 1,009 |
| Net loans and leases to total assets | 85.2144% | 178 |
| Net loans and leases to deposits | 95.1029% | 719 |
| Net loans and leases to core deposits | 101.8396% | 994 |
| Total domestic deposits to total assets | 89.6022% | 1,070 |
| Equity capital to assets | 8.9682% | 5,854 |
| Core capital (leverage) ratio | 8.8769% | 5,230 |
| Tier 1 risk-based capital ratio | 10.4646% | 6,678 |
| Total risk-based capital ratio | 11.7258% | 6,654 |
| Memoranda: | ||
| Average total assets | $132,078,750 | 4,132 |
| Average earning assets | $123,698,500 | 4,065 |
| Average equity | $10,811,000 | 4,847 |
| Average total loans | $108,878,500 | 3,347 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0043% | 1,781 |
| Cost of funding earning assets | 0.9466% | 2,085 |
| Net interest margin | 4.0577% | 2,252 |
| Noninterest income to average assets | 0.4358% | 4,394 |
| Noninterest expense to average assets | 3.9426% | 1,017 |
| Loan and lease loss provision to assets | 0.3102% | 2,127 |
| Net operating income to assets | -0.0177% | 6,345 |
| Return on assets (ROA) | -0.0177% | 6,472 |
| Pretax return on assets | -0.0177% | 6,464 |
| Return on Equity (ROE) | -0.2230% | 6,476 |
| Retained earnings to average equity (ytd only) | -0.2230% | 6,078 |
| Net charge-offs to loans | 0.5923% | 1,837 |
| Credit loss provision to net charge-offs | 64.6154% | 3,698 |
| Earnings coverage of net charge-offs (x) | 0.6092% | 4,761 |
| Efficiency ratio | 93.0938% | 856 |
| Assets per employee ($millions) | 3.7378% | 4,446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0564% | 2,095 |
| Loan loss allowance to noncurrent loans | 42.4602% | 5,532 |
| Noncurrent assets plus other real estate owned to assets | 4.0493% | 1,255 |
| Noncurrent loans to loans | 4.8432% | 1,051 |
| Net loans and leases to total assets | 81.8891% | 342 |
| Net loans and leases to deposits | 90.8367% | 1,066 |
| Net loans and leases to core deposits | 96.8056% | 1,372 |
| Total domestic deposits to total assets | 90.1498% | 842 |
| Equity capital to assets | 8.4731% | 6,235 |
| Core capital (leverage) ratio | 8.3296% | 5,871 |
| Tier 1 risk-based capital ratio | 10.1811% | 6,779 |
| Total risk-based capital ratio | 11.4414% | 6,759 |
| Memoranda: | ||
| Average total assets | $135,394,330 | 4,082 |
| Average earning assets | $126,771,330 | 4,018 |
| Average equity | $10,763,670 | 4,867 |
| Average total loans | $109,737,330 | 3,342 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7365% | 2,907 |
| Cost of funding earning assets | 1.0008% | 1,983 |
| Net interest margin | 3.7356% | 3,665 |
| Noninterest income to average assets | 0.4787% | 4,075 |
| Noninterest expense to average assets | 4.0186% | 918 |
| Loan and lease loss provision to assets | 0.0860% | 4,303 |
| Net operating income to assets | -0.1061% | 6,549 |
| Return on assets (ROA) | -0.1061% | 6,626 |
| Pretax return on assets | -0.1061% | 6,605 |
| Return on Equity (ROE) | -1.3753% | 6,648 |
| Retained earnings to average equity (ytd only) | -1.3753% | 6,207 |
| Net charge-offs to loans | -0.2512% | 7,031 |
| Credit loss provision to net charge-offs | -42.8571% | 5,418 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.5018% | 537 |
| Assets per employee ($millions) | 3.9345% | 4,142 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2010% | 1,881 |
| Loan loss allowance to noncurrent loans | 36.1773% | 5,843 |
| Noncurrent assets plus other real estate owned to assets | 5.1049% | 1,006 |
| Noncurrent loans to loans | 6.0841% | 826 |
| Net loans and leases to total assets | 79.7164% | 434 |
| Net loans and leases to deposits | 87.9330% | 1,177 |
| Net loans and leases to core deposits | 95.5898% | 1,326 |
| Total domestic deposits to total assets | 90.6558% | 710 |
| Equity capital to assets | 8.0308% | 6,503 |
| Core capital (leverage) ratio | 7.6751% | 6,505 |
| Tier 1 risk-based capital ratio | 9.8237% | 6,909 |
| Total risk-based capital ratio | 11.0856% | 6,911 |
| Memoranda: | ||
| Average total assets | $139,549,500 | 4,043 |
| Average earning assets | $131,490,500 | 3,954 |
| Average equity | $10,761,500 | 4,866 |
| Average total loans | $111,479,500 | 3,318 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9146% | 3,291 |
| Cost of funding earning assets | 1.3481% | 1,250 |
| Net interest margin | 3.5665% | 4,864 |
| Noninterest income to average assets | 0.4116% | 4,522 |
| Noninterest expense to average assets | 3.4992% | 1,986 |
| Loan and lease loss provision to assets | 1.9743% | 305 |
| Net operating income to assets | -1.7070% | 6,963 |
| Return on assets (ROA) | -1.7070% | 6,982 |
| Pretax return on assets | -1.7070% | 6,949 |
| Return on Equity (ROE) | -21.0536% | 6,999 |
| Retained earnings to average equity (ytd only) | -21.0536% | 6,985 |
| Net charge-offs to loans | 2.9126% | 346 |
| Credit loss provision to net charge-offs | 86.1766% | 4,195 |
| Earnings coverage of net charge-offs (x) | 0.1167% | 5,748 |
| Efficiency ratio | 92.9040% | 989 |
| Assets per employee ($millions) | 4.2743% | 3,317 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0190% | 2,217 |
| Loan loss allowance to noncurrent loans | 39.7580% | 5,615 |
| Noncurrent assets plus other real estate owned to assets | 4.2381% | 1,322 |
| Noncurrent loans to loans | 5.0781% | 1,106 |
| Net loans and leases to total assets | 76.8066% | 848 |
| Net loans and leases to deposits | 84.0664% | 1,914 |
| Net loans and leases to core deposits | 94.3621% | 1,656 |
| Total domestic deposits to total assets | 91.3642% | 372 |
| Equity capital to assets | 7.4178% | 6,848 |
| Core capital (leverage) ratio | 6.9478% | 6,880 |
| Tier 1 risk-based capital ratio | 9.0259% | 7,030 |
| Total risk-based capital ratio | 10.2843% | 7,032 |
| Memoranda: | ||
| Average total assets | $153,778,800 | 3,740 |
| Average earning assets | $144,650,800 | 3,662 |
| Average equity | $12,468,200 | 4,449 |
| Average total loans | $120,958,800 | 3,160 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9431% | 3,370 |
| Cost of funding earning assets | 1.3989% | 1,235 |
| Net interest margin | 3.5442% | 5,005 |
| Noninterest income to average assets | 0.3549% | 5,018 |
| Noninterest expense to average assets | 3.3672% | 2,287 |
| Loan and lease loss provision to assets | 0.8886% | 1,020 |
| Net operating income to assets | -0.5705% | 6,679 |
| Return on assets (ROA) | -0.5705% | 6,722 |
| Pretax return on assets | -0.5705% | 6,665 |
| Return on Equity (ROE) | -6.8991% | 6,761 |
| Retained earnings to average equity (ytd only) | -6.8991% | 6,696 |
| Net charge-offs to loans | 1.6590% | 839 |
| Credit loss provision to net charge-offs | 68.0419% | 4,543 |
| Earnings coverage of net charge-offs (x) | 0.2436% | 5,414 |
| Efficiency ratio | 91.3669% | 1,082 |
| Assets per employee ($millions) | 5.0709% | 2,103 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9187% | 2,564 |
| Loan loss allowance to noncurrent loans | 33.7741% | 6,038 |
| Noncurrent assets plus other real estate owned to assets | 4.5599% | 1,309 |
| Noncurrent loans to loans | 5.6811% | 1,015 |
| Net loans and leases to total assets | 74.7592% | 1,188 |
| Net loans and leases to deposits | 82.4401% | 2,274 |
| Net loans and leases to core deposits | 95.5859% | 1,647 |
| Total domestic deposits to total assets | 90.6831% | 558 |
| Equity capital to assets | 8.1038% | 6,635 |
| Core capital (leverage) ratio | 8.0385% | 6,358 |
| Tier 1 risk-based capital ratio | 10.0763% | 6,932 |
| Total risk-based capital ratio | 11.3331% | 6,921 |
| Memoranda: | ||
| Average total assets | $155,892,000 | 3,728 |
| Average earning assets | $146,490,500 | 3,655 |
| Average equity | $12,890,250 | 4,370 |
| Average total loans | $122,718,500 | 3,151 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0129% | 3,100 |
| Cost of funding earning assets | 1.4111% | 1,371 |
| Net interest margin | 3.6018% | 4,712 |
| Noninterest income to average assets | 0.3345% | 5,215 |
| Noninterest expense to average assets | 3.4003% | 2,259 |
| Loan and lease loss provision to assets | 0.8568% | 1,052 |
| Net operating income to assets | -0.5468% | 6,729 |
| Return on assets (ROA) | -0.5468% | 6,749 |
| Pretax return on assets | -0.5468% | 6,688 |
| Return on Equity (ROE) | -6.5684% | 6,809 |
| Retained earnings to average equity (ytd only) | -6.5684% | 6,695 |
| Net charge-offs to loans | 2.0762% | 635 |
| Credit loss provision to net charge-offs | 51.8692% | 4,538 |
| Earnings coverage of net charge-offs (x) | 0.1877% | 5,168 |
| Efficiency ratio | 91.6436% | 1,114 |
| Assets per employee ($millions) | 4.9043% | 2,252 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8027% | 2,983 |
| Loan loss allowance to noncurrent loans | 33.7011% | 6,063 |
| Noncurrent assets plus other real estate owned to assets | 4.7808% | 1,298 |
| Noncurrent loans to loans | 5.3492% | 1,192 |
| Net loans and leases to total assets | 75.2828% | 1,187 |
| Net loans and leases to deposits | 83.3601% | 2,207 |
| Net loans and leases to core deposits | 95.7641% | 1,706 |
| Total domestic deposits to total assets | 90.3102% | 810 |
| Equity capital to assets | 8.2714% | 6,451 |
| Core capital (leverage) ratio | 8.0056% | 6,293 |
| Tier 1 risk-based capital ratio | 10.1715% | 6,923 |
| Total risk-based capital ratio | 11.4268% | 6,910 |
| Memoranda: | ||
| Average total assets | $155,456,670 | 3,757 |
| Average earning assets | $145,703,330 | 3,698 |
| Average equity | $12,940,670 | 4,353 |
| Average total loans | $123,685,000 | 3,154 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0742% | 2,754 |
| Cost of funding earning assets | 1.3970% | 1,627 |
| Net interest margin | 3.6772% | 4,215 |
| Noninterest income to average assets | 0.3335% | 5,234 |
| Noninterest expense to average assets | 3.4644% | 2,105 |
| Loan and lease loss provision to assets | 1.9209% | 289 |
| Net operating income to assets | -1.6288% | 7,227 |
| Return on assets (ROA) | -1.6288% | 7,228 |
| Pretax return on assets | -1.6288% | 7,200 |
| Return on Equity (ROE) | -19.5039% | 7,216 |
| Retained earnings to average equity (ytd only) | -19.5039% | 7,148 |
| Net charge-offs to loans | 3.2895% | 312 |
| Credit loss provision to net charge-offs | 72.0660% | 3,314 |
| Earnings coverage of net charge-offs (x) | 0.1096% | 4,516 |
| Efficiency ratio | 92.2230% | 1,148 |
| Assets per employee ($millions) | 4.9338% | 2,255 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0296% | 2,331 |
| Loan loss allowance to noncurrent loans | 33.2535% | 6,083 |
| Noncurrent assets plus other real estate owned to assets | 4.8429% | 1,312 |
| Noncurrent loans to loans | 6.1034% | 1,027 |
| Net loans and leases to total assets | 76.4061% | 977 |
| Net loans and leases to deposits | 84.1836% | 2,000 |
| Net loans and leases to core deposits | 96.6370% | 1,624 |
| Total domestic deposits to total assets | 90.7613% | 731 |
| Equity capital to assets | 7.9845% | 6,518 |
| Core capital (leverage) ratio | 8.0761% | 6,153 |
| Tier 1 risk-based capital ratio | 9.7079% | 7,089 |
| Total risk-based capital ratio | 10.9662% | 7,099 |
| Memoranda: | ||
| Average total assets | $154,715,500 | 3,797 |
| Average earning assets | $144,022,500 | 3,756 |
| Average equity | $12,920,500 | 4,358 |
| Average total loans | $125,369,000 | 3,146 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6162% | 1,832 |
| Cost of funding earning assets | 1.5183% | 2,543 |
| Net interest margin | 4.0979% | 2,569 |
| Noninterest income to average assets | 0.3897% | 4,981 |
| Noninterest expense to average assets | 3.5256% | 2,107 |
| Loan and lease loss provision to assets | 1.3853% | 1,085 |
| Net operating income to assets | -0.8005% | 6,578 |
| Return on assets (ROA) | -0.7807% | 6,591 |
| Pretax return on assets | -0.7807% | 6,512 |
| Return on Equity (ROE) | -8.0523% | 6,628 |
| Retained earnings to average equity (ytd only) | -8.0523% | 6,540 |
| Net charge-offs to loans | 1.6507% | 1,316 |
| Credit loss provision to net charge-offs | 100.8915% | 4,505 |
| Earnings coverage of net charge-offs (x) | 0.4260% | 5,684 |
| Efficiency ratio | 85.7710% | 1,717 |
| Assets per employee ($millions) | 4.7360% | 2,511 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1840% | 1,899 |
| Loan loss allowance to noncurrent loans | 43.9451% | 5,389 |
| Noncurrent assets plus other real estate owned to assets | 4.2685% | 1,563 |
| Noncurrent loans to loans | 4.9699% | 1,359 |
| Net loans and leases to total assets | 82.3630% | 421 |
| Net loans and leases to deposits | 91.7822% | 1,285 |
| Net loans and leases to core deposits | 102.9961% | 1,389 |
| Total domestic deposits to total assets | 89.7374% | 1,246 |
| Equity capital to assets | 8.7330% | 5,536 |
| Core capital (leverage) ratio | 8.3923% | 5,550 |
| Tier 1 risk-based capital ratio | 9.9351% | 7,006 |
| Total risk-based capital ratio | 11.1955% | 6,992 |
| Memoranda: | ||
| Average total assets | $147,039,400 | 3,927 |
| Average earning assets | $133,506,400 | 3,945 |
| Average equity | $14,256,800 | 4,086 |
| Average total loans | $122,311,000 | 3,271 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6325% | 1,936 |
| Cost of funding earning assets | 1.5232% | 2,817 |
| Net interest margin | 4.1092% | 2,589 |
| Noninterest income to average assets | 0.3993% | 4,961 |
| Noninterest expense to average assets | 3.7154% | 1,539 |
| Loan and lease loss provision to assets | 0.2047% | 5,006 |
| Net operating income to assets | 0.2138% | 5,468 |
| Return on assets (ROA) | 0.2403% | 5,547 |
| Pretax return on assets | 0.2403% | 5,640 |
| Return on Equity (ROE) | 2.4163% | 5,458 |
| Retained earnings to average equity (ytd only) | 2.4163% | 4,728 |
| Net charge-offs to loans | 0.0937% | 5,591 |
| Credit loss provision to net charge-offs | 263.5294% | 1,251 |
| Earnings coverage of net charge-offs (x) | 5.3882% | 2,757 |
| Efficiency ratio | 89.8762% | 1,303 |
| Assets per employee ($millions) | 4.7104% | 2,579 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2207% | 1,764 |
| Loan loss allowance to noncurrent loans | 42.2959% | 5,469 |
| Noncurrent assets plus other real estate owned to assets | 4.5020% | 1,507 |
| Noncurrent loans to loans | 5.2503% | 1,292 |
| Net loans and leases to total assets | 82.3447% | 456 |
| Net loans and leases to deposits | 92.4407% | 1,393 |
| Net loans and leases to core deposits | 106.2885% | 1,300 |
| Total domestic deposits to total assets | 89.0783% | 1,355 |
| Equity capital to assets | 9.4227% | 4,959 |
| Core capital (leverage) ratio | 9.3184% | 4,182 |
| Tier 1 risk-based capital ratio | 10.6396% | 6,678 |
| Total risk-based capital ratio | 11.8999% | 6,663 |
| Memoranda: | ||
| Average total assets | $145,911,500 | 4,005 |
| Average earning assets | $132,609,250 | 4,016 |
| Average equity | $14,512,250 | 4,094 |
| Average total loans | $120,986,500 | 3,350 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6301% | 2,024 |
| Cost of funding earning assets | 1.5041% | 3,235 |
| Net interest margin | 4.1259% | 2,449 |
| Noninterest income to average assets | 0.4260% | 4,707 |
| Noninterest expense to average assets | 3.7973% | 1,362 |
| Loan and lease loss provision to assets | 0.1653% | 5,233 |
| Net operating income to assets | 0.2032% | 5,548 |
| Return on assets (ROA) | 0.2438% | 5,540 |
| Pretax return on assets | 0.2438% | 5,674 |
| Return on Equity (ROE) | 2.4054% | 5,498 |
| Retained earnings to average equity (ytd only) | 2.4054% | 4,627 |
| Net charge-offs to loans | 0.1496% | 4,738 |
| Credit loss provision to net charge-offs | 134.0909% | 2,999 |
| Earnings coverage of net charge-offs (x) | 2.9886% | 3,504 |
| Efficiency ratio | 91.1537% | 1,252 |
| Assets per employee ($millions) | 4.8221% | 2,418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2475% | 1,674 |
| Loan loss allowance to noncurrent loans | 39.4059% | 5,724 |
| Noncurrent assets plus other real estate owned to assets | 4.5341% | 1,457 |
| Noncurrent loans to loans | 5.7035% | 1,141 |
| Net loans and leases to total assets | 76.5027% | 1,392 |
| Net loans and leases to deposits | 86.6167% | 2,417 |
| Net loans and leases to core deposits | 100.2726% | 1,987 |
| Total domestic deposits to total assets | 88.3233% | 1,817 |
| Equity capital to assets | 9.1486% | 5,218 |
| Core capital (leverage) ratio | 10.1811% | 2,959 |
| Tier 1 risk-based capital ratio | 10.9552% | 6,289 |
| Total risk-based capital ratio | 12.2156% | 6,265 |
| Memoranda: | ||
| Average total assets | $142,734,330 | 4,078 |
| Average earning assets | $129,376,330 | 4,105 |
| Average equity | $14,467,330 | 4,097 |
| Average total loans | $117,680,000 | 3,442 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5488% | 2,368 |
| Cost of funding earning assets | 1.4841% | 3,662 |
| Net interest margin | 4.0647% | 2,585 |
| Noninterest income to average assets | 0.4489% | 4,478 |
| Noninterest expense to average assets | 4.2130% | 796 |
| Loan and lease loss provision to assets | -0.1041% | 7,871 |
| Net operating income to assets | 0.1754% | 5,770 |
| Return on assets (ROA) | 0.2646% | 5,561 |
| Pretax return on assets | 0.2646% | 5,700 |
| Return on Equity (ROE) | 2.4685% | 5,570 |
| Retained earnings to average equity (ytd only) | 2.4685% | 4,652 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.3345% | 909 |
| Assets per employee ($millions) | 3.8468% | 4,214 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3587% | 1,477 |
| Loan loss allowance to noncurrent loans | 45.0338% | 5,346 |
| Noncurrent assets plus other real estate owned to assets | 4.5092% | 1,496 |
| Noncurrent loans to loans | 5.2376% | 1,361 |
| Net loans and leases to total assets | 84.0608% | 367 |
| Net loans and leases to deposits | 95.9941% | 1,108 |
| Net loans and leases to core deposits | 115.6768% | 960 |
| Total domestic deposits to total assets | 87.5688% | 2,324 |
| Equity capital to assets | 10.7489% | 3,007 |
| Core capital (leverage) ratio | 10.7462% | 2,418 |
| Tier 1 risk-based capital ratio | 11.4671% | 5,705 |
| Total risk-based capital ratio | 12.7285% | 5,682 |
| Memoranda: | ||
| Average total assets | $134,537,000 | 4,316 |
| Average earning assets | $126,945,500 | 4,218 |
| Average equity | $14,422,000 | 4,141 |
| Average total loans | $114,251,500 | 3,590 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3600% | 4,890 |
| Cost of funding earning assets | 1.8339% | 3,816 |
| Net interest margin | 3.5260% | 4,837 |
| Noninterest income to average assets | 0.5060% | 4,366 |
| Noninterest expense to average assets | 4.1114% | 1,209 |
| Loan and lease loss provision to assets | 1.5782% | 1,453 |
| Net operating income to assets | -1.8767% | 7,039 |
| Return on assets (ROA) | -1.8767% | 7,039 |
| Pretax return on assets | -1.8767% | 6,891 |
| Return on Equity (ROE) | -15.9013% | 6,982 |
| Retained earnings to average equity (ytd only) | -15.9013% | 6,932 |
| Net charge-offs to loans | 0.4113% | 4,168 |
| Credit loss provision to net charge-offs | 489.6806% | 625 |
| Earnings coverage of net charge-offs (x) | -0.9263% | 6,868 |
| Efficiency ratio | 107.8297% | 844 |
| Assets per employee ($millions) | 3.8411% | 4,171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4593% | 1,276 |
| Loan loss allowance to noncurrent loans | 47.3576% | 5,229 |
| Noncurrent assets plus other real estate owned to assets | 4.3492% | 1,500 |
| Noncurrent loans to loans | 5.1931% | 1,278 |
| Net loans and leases to total assets | 81.6911% | 737 |
| Net loans and leases to deposits | 93.2830% | 1,695 |
| Net loans and leases to core deposits | 115.3385% | 2,381 |
| Total domestic deposits to total assets | 87.5734% | 2,186 |
| Equity capital to assets | 10.6905% | 2,975 |
| Core capital (leverage) ratio | 10.3311% | 2,760 |
| Tier 1 risk-based capital ratio | 11.1283% | 5,800 |
| Total risk-based capital ratio | 12.3894% | 5,744 |
| Memoranda: | ||
| Average total assets | $126,283,800 | 4,420 |
| Average earning assets | $118,433,200 | 4,344 |
| Average equity | $14,904,400 | 4,076 |
| Average total loans | $98,959,600 | 3,983 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3098% | 5,372 |
| Cost of funding earning assets | 1.9113% | 3,821 |
| Net interest margin | 3.3985% | 5,271 |
| Noninterest income to average assets | 0.5044% | 4,446 |
| Noninterest expense to average assets | 4.1015% | 1,145 |
| Loan and lease loss provision to assets | 2.0861% | 850 |
| Net operating income to assets | -2.5025% | 7,466 |
| Return on assets (ROA) | -2.5025% | 7,466 |
| Pretax return on assets | -2.5025% | 7,347 |
| Return on Equity (ROE) | -20.6767% | 7,396 |
| Retained earnings to average equity (ytd only) | -20.6767% | 7,363 |
| Net charge-offs to loans | 0.5679% | 2,980 |
| Credit loss provision to net charge-offs | 477.6413% | 826 |
| Earnings coverage of net charge-offs (x) | -0.9533% | 6,619 |
| Efficiency ratio | 111.2988% | 745 |
| Assets per employee ($millions) | 3.8973% | 3,951 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5886% | 976 |
| Loan loss allowance to noncurrent loans | 48.5281% | 5,079 |
| Noncurrent assets plus other real estate owned to assets | 4.1091% | 1,540 |
| Noncurrent loans to loans | 5.3343% | 1,195 |
| Net loans and leases to total assets | 75.0376% | 2,237 |
| Net loans and leases to deposits | 85.5468% | 3,406 |
| Net loans and leases to core deposits | 104.0267% | 3,932 |
| Total domestic deposits to total assets | 87.7153% | 1,794 |
| Equity capital to assets | 10.5869% | 3,416 |
| Core capital (leverage) ratio | 10.5953% | 2,719 |
| Tier 1 risk-based capital ratio | 10.9102% | 6,040 |
| Total risk-based capital ratio | 12.1705% | 5,985 |
| Memoranda: | ||
| Average total assets | $124,245,500 | 4,494 |
| Average earning assets | $116,285,000 | 4,422 |
| Average equity | $15,037,500 | 4,089 |
| Average total loans | $95,551,500 | 4,098 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4485% | 4,904 |
| Cost of funding earning assets | 1.9254% | 4,136 |
| Net interest margin | 3.5231% | 4,683 |
| Noninterest income to average assets | 0.5441% | 4,080 |
| Noninterest expense to average assets | 4.3297% | 912 |
| Loan and lease loss provision to assets | 3.4628% | 417 |
| Net operating income to assets | -3.9753% | 7,826 |
| Return on assets (ROA) | -3.9753% | 7,819 |
| Pretax return on assets | -3.9753% | 7,744 |
| Return on Equity (ROE) | -31.3593% | 7,733 |
| Retained earnings to average equity (ytd only) | -31.3593% | 7,709 |
| Net charge-offs to loans | 0.8877% | 1,922 |
| Credit loss provision to net charge-offs | 507.5610% | 907 |
| Earnings coverage of net charge-offs (x) | -0.7512% | 6,165 |
| Efficiency ratio | 113.4263% | 769 |
| Assets per employee ($millions) | 3.8769% | 3,927 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9465% | 594 |
| Loan loss allowance to noncurrent loans | 46.4216% | 5,256 |
| Noncurrent assets plus other real estate owned to assets | 4.7306% | 1,169 |
| Noncurrent loans to loans | 6.3472% | 847 |
| Net loans and leases to total assets | 69.2815% | 3,883 |
| Net loans and leases to deposits | 79.5115% | 4,618 |
| Net loans and leases to core deposits | 96.1315% | 4,891 |
| Total domestic deposits to total assets | 87.1339% | 2,178 |
| Equity capital to assets | 10.5866% | 3,306 |
| Core capital (leverage) ratio | 11.3367% | 2,177 |
| Tier 1 risk-based capital ratio | 11.0173% | 5,855 |
| Total risk-based capital ratio | 12.2789% | 5,771 |
| Memoranda: | ||
| Average total assets | $120,192,330 | 4,631 |
| Average earning assets | $111,663,670 | 4,585 |
| Average equity | $15,236,330 | 4,073 |
| Average total loans | $92,377,000 | 4,221 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0062% | 2,337 |
| Cost of funding earning assets | 1.9093% | 4,581 |
| Net interest margin | 4.0969% | 2,285 |
| Noninterest income to average assets | 0.5941% | 3,590 |
| Noninterest expense to average assets | 4.5712% | 661 |
| Loan and lease loss provision to assets | 7.6341% | 75 |
| Net operating income to assets | -7.8404% | 8,141 |
| Return on assets (ROA) | -7.8404% | 8,130 |
| Pretax return on assets | -7.8404% | 8,107 |
| Return on Equity (ROE) | -56.2532% | 8,070 |
| Retained earnings to average equity (ytd only) | -56.2532% | 8,052 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.7270% | 959 |
| Assets per employee ($millions) | 3.1922% | 5,615 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7032% | 274 |
| Loan loss allowance to noncurrent loans | 98.9596% | 3,089 |
| Noncurrent assets plus other real estate owned to assets | 3.0109% | 1,874 |
| Noncurrent loans to loans | 3.7421% | 1,657 |
| Net loans and leases to total assets | 77.4806% | 1,940 |
| Net loans and leases to deposits | 91.4513% | 2,703 |
| Net loans and leases to core deposits | 112.5681% | 3,161 |
| Total domestic deposits to total assets | 84.7233% | 3,344 |
| Equity capital to assets | 13.0328% | 1,725 |
| Core capital (leverage) ratio | 12.9248% | 1,506 |
| Tier 1 risk-based capital ratio | 13.6542% | 3,764 |
| Total risk-based capital ratio | 14.9276% | 3,676 |
| Memoranda: | ||
| Average total assets | $112,443,500 | 4,835 |
| Average earning assets | $103,493,500 | 4,821 |
| Average equity | $15,672,000 | 4,007 |
| Average total loans | $90,134,500 | 4,303 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5218% | 2,851 |
| Cost of funding earning assets | 2.1047% | 6,034 |
| Net interest margin | 4.4171% | 1,635 |
| Noninterest income to average assets | 1.4471% | 680 |
| Noninterest expense to average assets | 5.0142% | 620 |
| Loan and lease loss provision to assets | 0.1960% | 4,918 |
| Net operating income to assets | 0.3130% | 5,501 |
| Return on assets (ROA) | 0.3130% | 5,313 |
| Pretax return on assets | 0.3130% | 5,481 |
| Return on Equity (ROE) | 2.1192% | 5,572 |
| Retained earnings to average equity (ytd only) | -0.2466% | 5,363 |
| Net charge-offs to loans | 0.3513% | 3,073 |
| Credit loss provision to net charge-offs | 75.3333% | 5,989 |
| Earnings coverage of net charge-offs (x) | 1.9567% | 5,087 |
| Efficiency ratio | 90.7849% | 1,456 |
| Assets per employee ($millions) | 3.2332% | 5,387 |
| Cash dividends to net income (ytd only)* | 111.6343% | 783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3090% | 3,713 |
| Loan loss allowance to noncurrent loans | 93.5178% | 3,642 |
| Noncurrent assets plus other real estate owned to assets | 1.1179% | 4,040 |
| Noncurrent loans to loans | 1.3997% | 3,715 |
| Net loans and leases to total assets | 78.8178% | 1,928 |
| Net loans and leases to deposits | 94.7882% | 2,648 |
| Net loans and leases to core deposits | 111.2648% | 3,642 |
| Total domestic deposits to total assets | 83.1514% | 3,706 |
| Equity capital to assets | 14.8311% | 1,205 |
| Core capital (leverage) ratio | 14.5462% | 1,131 |
| Tier 1 risk-based capital ratio | 15.9643% | 2,677 |
| Total risk-based capital ratio | 17.0915% | 2,665 |
| Memoranda: | ||
| Average total assets | $115,332,600 | 4,627 |
| Average earning assets | $106,428,000 | 4,606 |
| Average equity | $17,035,000 | 3,731 |
| Average total loans | $85,398,600 | 4,348 |