Home > The Community Bank, A Massachusetts Cooperative Bank > Performance and Condition Ratios
The Community Bank, A Massachusetts Cooperative Bank, Performance and Condition Ratios
| 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 | 3.9866% | 5,552 |
| Cost of funding earning assets | 0.8382% | 2,642 |
| Net interest margin | 3.1484% | 5,828 |
| Noninterest income to average assets | 0.3045% | 5,349 |
| Noninterest expense to average assets | 3.7525% | 1,285 |
| Loan and lease loss provision to assets | 0.0351% | 5,332 |
| Net operating income to assets | -0.5838% | 6,736 |
| Return on assets (ROA) | -0.5838% | 6,760 |
| Pretax return on assets | -0.5826% | 6,739 |
| Return on Equity (ROE) | -11.4404% | 6,887 |
| Retained earnings to average equity (ytd only) | -11.4404% | 6,850 |
| Net charge-offs to loans | 0.6531% | 1,676 |
| Credit loss provision to net charge-offs | 7.5623% | 5,105 |
| Earnings coverage of net charge-offs (x) | -1.1788% | 5,593 |
| Efficiency ratio | 117.0813% | 216 |
| Assets per employee ($millions) | 4.8098% | 2,430 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5953% | 3,536 |
| Loan loss allowance to noncurrent loans | 16.4326% | 6,563 |
| Noncurrent assets plus other real estate owned to assets | 8.7858% | 315 |
| Noncurrent loans to loans | 9.7082% | 262 |
| Net loans and leases to total assets | 70.7102% | 1,782 |
| Net loans and leases to deposits | 81.9760% | 2,120 |
| Net loans and leases to core deposits | 96.3427% | 1,389 |
| Total domestic deposits to total assets | 86.2571% | 3,117 |
| Equity capital to assets | 4.9605% | 7,052 |
| Core capital (leverage) ratio | 4.8365% | 7,039 |
| Tier 1 risk-based capital ratio | 8.1445% | 6,986 |
| Total risk-based capital ratio | 9.4030% | 6,987 |
| Memoranda: | ||
| Average total assets | $322,692,250 | 2,015 |
| Average earning assets | $297,286,500 | 2,009 |
| Average equity | $16,467,500 | 3,743 |
| Average total loans | $229,478,750 | 1,785 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0552% | 5,471 |
| Cost of funding earning assets | 0.8376% | 2,887 |
| Net interest margin | 3.2176% | 5,679 |
| Noninterest income to average assets | 0.3890% | 4,733 |
| Noninterest expense to average assets | 3.7961% | 1,222 |
| Loan and lease loss provision to assets | 0.2003% | 3,078 |
| Net operating income to assets | -0.6485% | 6,800 |
| Return on assets (ROA) | -0.6485% | 6,830 |
| Pretax return on assets | -0.6473% | 6,797 |
| Return on Equity (ROE) | -12.5930% | 6,952 |
| Retained earnings to average equity (ytd only) | -12.5930% | 6,905 |
| Net charge-offs to loans | 0.4323% | 2,311 |
| Credit loss provision to net charge-offs | 65.3924% | 3,680 |
| Earnings coverage of net charge-offs (x) | -1.4588% | 5,351 |
| Efficiency ratio | 113.3444% | 291 |
| Assets per employee ($millions) | 4.8395% | 2,373 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9481% | 2,379 |
| Loan loss allowance to noncurrent loans | 19.5175% | 6,532 |
| Noncurrent assets plus other real estate owned to assets | 8.7073% | 364 |
| Noncurrent loans to loans | 9.9813% | 270 |
| Net loans and leases to total assets | 69.9454% | 1,932 |
| Net loans and leases to deposits | 81.0061% | 2,227 |
| Net loans and leases to core deposits | 94.8997% | 1,515 |
| Total domestic deposits to total assets | 86.3459% | 3,167 |
| Equity capital to assets | 4.9616% | 7,098 |
| Core capital (leverage) ratio | 4.9294% | 7,078 |
| Tier 1 risk-based capital ratio | 8.1677% | 7,032 |
| Total risk-based capital ratio | 9.4320% | 7,033 |
| Memoranda: | ||
| Average total assets | $324,441,330 | 1,997 |
| Average earning assets | $298,480,000 | 1,993 |
| Average equity | $16,707,670 | 3,700 |
| Average total loans | $229,936,670 | 1,782 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1007% | 5,454 |
| Cost of funding earning assets | 0.8528% | 3,041 |
| Net interest margin | 3.2479% | 5,632 |
| Noninterest income to average assets | 0.5090% | 3,851 |
| Noninterest expense to average assets | 3.8134% | 1,199 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -0.3155% | 6,715 |
| Return on assets (ROA) | -0.3155% | 6,756 |
| Pretax return on assets | -0.3143% | 6,739 |
| Return on Equity (ROE) | -6.0173% | 6,886 |
| Retained earnings to average equity (ytd only) | -6.0173% | 6,658 |
| Net charge-offs to loans | 0.2129% | 2,859 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | -2.0902% | 4,617 |
| Efficiency ratio | 108.9820% | 354 |
| Assets per employee ($millions) | 4.7994% | 2,508 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0068% | 2,330 |
| Loan loss allowance to noncurrent loans | 19.6083% | 6,578 |
| Noncurrent assets plus other real estate owned to assets | 8.8244% | 406 |
| Noncurrent loans to loans | 10.2344% | 291 |
| Net loans and leases to total assets | 68.1686% | 2,080 |
| Net loans and leases to deposits | 79.0897% | 2,331 |
| Net loans and leases to core deposits | 92.8611% | 1,562 |
| Total domestic deposits to total assets | 86.1915% | 3,416 |
| Equity capital to assets | 5.1738% | 7,129 |
| Core capital (leverage) ratio | 5.1612% | 7,107 |
| Tier 1 risk-based capital ratio | 8.5612% | 7,071 |
| Total risk-based capital ratio | 9.8258% | 7,071 |
| Memoranda: | ||
| Average total assets | $324,538,500 | 2,001 |
| Average earning assets | $298,778,000 | 1,991 |
| Average equity | $17,017,500 | 3,645 |
| Average total loans | $229,254,000 | 1,796 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6825% | 4,322 |
| Cost of funding earning assets | 0.9453% | 3,748 |
| Net interest margin | 3.7373% | 4,127 |
| Noninterest income to average assets | 0.3928% | 4,675 |
| Noninterest expense to average assets | 4.1401% | 865 |
| Loan and lease loss provision to assets | 0.4531% | 2,334 |
| Net operating income to assets | -1.6085% | 6,935 |
| Return on assets (ROA) | -1.6003% | 6,951 |
| Pretax return on assets | -0.7642% | 6,629 |
| Return on Equity (ROE) | -25.9722% | 7,057 |
| Retained earnings to average equity (ytd only) | -25.9722% | 7,047 |
| Net charge-offs to loans | 0.8032% | 2,153 |
| Credit loss provision to net charge-offs | 76.0144% | 4,637 |
| Earnings coverage of net charge-offs (x) | -0.5357% | 6,090 |
| Efficiency ratio | 107.5801% | 484 |
| Assets per employee ($millions) | 4.5454% | 2,835 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0209% | 2,209 |
| Loan loss allowance to noncurrent loans | 20.8811% | 6,588 |
| Noncurrent assets plus other real estate owned to assets | 8.3348% | 459 |
| Noncurrent loans to loans | 9.6782% | 342 |
| Net loans and leases to total assets | 70.2779% | 1,978 |
| Net loans and leases to deposits | 80.0297% | 2,510 |
| Net loans and leases to core deposits | 94.4705% | 1,636 |
| Total domestic deposits to total assets | 87.8148% | 2,269 |
| Equity capital to assets | 5.3142% | 7,149 |
| Core capital (leverage) ratio | 5.2306% | 7,121 |
| Tier 1 risk-based capital ratio | 8.5549% | 7,077 |
| Total risk-based capital ratio | 9.8201% | 7,077 |
| Memoranda: | ||
| Average total assets | $326,633,400 | 1,972 |
| Average earning assets | $299,602,400 | 1,956 |
| Average equity | $20,125,400 | 3,119 |
| Average total loans | $242,419,200 | 1,728 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7082% | 4,421 |
| Cost of funding earning assets | 0.9672% | 3,918 |
| Net interest margin | 3.7410% | 4,150 |
| Noninterest income to average assets | 0.3984% | 4,681 |
| Noninterest expense to average assets | 4.3001% | 715 |
| Loan and lease loss provision to assets | 0.3154% | 3,012 |
| Net operating income to assets | -1.2604% | 6,976 |
| Return on assets (ROA) | -1.2494% | 6,995 |
| Pretax return on assets | -0.7794% | 6,774 |
| Return on Equity (ROE) | -19.6137% | 7,093 |
| Retained earnings to average equity (ytd only) | -19.6137% | 7,078 |
| Net charge-offs to loans | 0.6951% | 2,175 |
| Credit loss provision to net charge-offs | 60.6416% | 4,789 |
| Earnings coverage of net charge-offs (x) | -0.9131% | 5,921 |
| Efficiency ratio | 111.3842% | 404 |
| Assets per employee ($millions) | 4.6619% | 2,675 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9784% | 2,395 |
| Loan loss allowance to noncurrent loans | 19.7524% | 6,683 |
| Noncurrent assets plus other real estate owned to assets | 8.4626% | 494 |
| Noncurrent loans to loans | 10.0159% | 359 |
| Net loans and leases to total assets | 70.4787% | 1,982 |
| Net loans and leases to deposits | 80.7640% | 2,560 |
| Net loans and leases to core deposits | 94.3949% | 1,756 |
| Total domestic deposits to total assets | 87.2651% | 2,484 |
| Equity capital to assets | 5.9247% | 7,196 |
| Core capital (leverage) ratio | 5.7455% | 7,163 |
| Tier 1 risk-based capital ratio | 9.1286% | 7,099 |
| Total risk-based capital ratio | 10.3926% | 7,095 |
| Memoranda: | ||
| Average total assets | $327,611,750 | 1,977 |
| Average earning assets | $300,090,000 | 1,959 |
| Average equity | $20,869,250 | 3,027 |
| Average total loans | $245,154,250 | 1,720 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8191% | 4,011 |
| Cost of funding earning assets | 1.0037% | 3,922 |
| Net interest margin | 3.8154% | 3,708 |
| Noninterest income to average assets | 0.4109% | 4,586 |
| Noninterest expense to average assets | 4.4720% | 611 |
| Loan and lease loss provision to assets | 0.4573% | 2,136 |
| Net operating income to assets | -1.7364% | 7,145 |
| Return on assets (ROA) | -1.7199% | 7,154 |
| Pretax return on assets | -1.0163% | 6,898 |
| Return on Equity (ROE) | -26.3879% | 7,210 |
| Retained earnings to average equity (ytd only) | -26.3879% | 7,201 |
| Net charge-offs to loans | 0.9893% | 1,587 |
| Credit loss provision to net charge-offs | 60.9756% | 4,316 |
| Earnings coverage of net charge-offs (x) | -0.7675% | 5,595 |
| Efficiency ratio | 113.2687% | 420 |
| Assets per employee ($millions) | 4.3066% | 3,157 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9402% | 2,539 |
| Loan loss allowance to noncurrent loans | 18.5864% | 6,761 |
| Noncurrent assets plus other real estate owned to assets | 8.8897% | 474 |
| Noncurrent loans to loans | 10.4388% | 359 |
| Net loans and leases to total assets | 72.0361% | 1,777 |
| Net loans and leases to deposits | 81.1964% | 2,581 |
| Net loans and leases to core deposits | 95.3115% | 1,750 |
| Total domestic deposits to total assets | 88.7183% | 1,707 |
| Equity capital to assets | 5.9658% | 7,246 |
| Core capital (leverage) ratio | 5.7798% | 7,228 |
| Tier 1 risk-based capital ratio | 8.8794% | 7,190 |
| Total risk-based capital ratio | 10.1427% | 7,188 |
| Memoranda: | ||
| Average total assets | $328,038,670 | 1,981 |
| Average earning assets | $299,681,670 | 1,975 |
| Average equity | $21,381,000 | 2,953 |
| Average total loans | $248,660,330 | 1,716 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9224% | 3,466 |
| Cost of funding earning assets | 1.0481% | 3,864 |
| Net interest margin | 3.8743% | 3,275 |
| Noninterest income to average assets | 0.6845% | 2,660 |
| Noninterest expense to average assets | 4.1534% | 864 |
| Loan and lease loss provision to assets | 0.1827% | 3,788 |
| Net operating income to assets | -0.0621% | 6,420 |
| Return on assets (ROA) | -0.0524% | 6,435 |
| Pretax return on assets | -0.1121% | 6,462 |
| Return on Equity (ROE) | -0.7710% | 6,460 |
| Retained earnings to average equity (ytd only) | -0.7710% | 5,940 |
| Net charge-offs to loans | 0.7074% | 1,802 |
| Credit loss provision to net charge-offs | 33.5570% | 4,058 |
| Earnings coverage of net charge-offs (x) | 0.1119% | 4,515 |
| Efficiency ratio | 98.2659% | 821 |
| Assets per employee ($millions) | 3.6879% | 4,570 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9635% | 2,504 |
| Loan loss allowance to noncurrent loans | 19.4379% | 6,789 |
| Noncurrent assets plus other real estate owned to assets | 8.9012% | 490 |
| Noncurrent loans to loans | 10.1014% | 399 |
| Net loans and leases to total assets | 74.5852% | 1,255 |
| Net loans and leases to deposits | 84.9282% | 1,892 |
| Net loans and leases to core deposits | 98.7681% | 1,447 |
| Total domestic deposits to total assets | 87.8215% | 2,472 |
| Equity capital to assets | 6.8593% | 7,129 |
| Core capital (leverage) ratio | 6.0131% | 7,245 |
| Tier 1 risk-based capital ratio | 8.6440% | 7,250 |
| Total risk-based capital ratio | 9.9072% | 7,256 |
| Memoranda: | ||
| Average total assets | $328,408,000 | 1,993 |
| Average earning assets | $299,203,000 | 1,992 |
| Average equity | $22,308,500 | 2,829 |
| Average total loans | $252,771,000 | 1,713 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1488% | 3,856 |
| Cost of funding earning assets | 1.3787% | 3,400 |
| Net interest margin | 3.7700% | 4,067 |
| Noninterest income to average assets | 0.4466% | 4,547 |
| Noninterest expense to average assets | 4.1341% | 979 |
| Loan and lease loss provision to assets | 0.4321% | 3,531 |
| Net operating income to assets | -0.4696% | 6,366 |
| Return on assets (ROA) | -0.4599% | 6,388 |
| Pretax return on assets | -0.6837% | 6,448 |
| Return on Equity (ROE) | -6.8295% | 6,548 |
| Retained earnings to average equity (ytd only) | -6.8295% | 6,448 |
| Net charge-offs to loans | 1.0983% | 2,030 |
| Credit loss provision to net charge-offs | 49.5678% | 6,266 |
| Earnings coverage of net charge-offs (x) | -0.3039% | 6,361 |
| Efficiency ratio | 106.5388% | 614 |
| Assets per employee ($millions) | 3.8637% | 4,097 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9893% | 2,333 |
| Loan loss allowance to noncurrent loans | 21.0705% | 6,767 |
| Noncurrent assets plus other real estate owned to assets | 8.5161% | 552 |
| Noncurrent loans to loans | 9.4411% | 467 |
| Net loans and leases to total assets | 76.2891% | 1,225 |
| Net loans and leases to deposits | 82.3951% | 2,730 |
| Net loans and leases to core deposits | 100.3531% | 1,591 |
| Total domestic deposits to total assets | 92.5893% | 177 |
| Equity capital to assets | 6.7281% | 7,198 |
| Core capital (leverage) ratio | 5.8047% | 7,330 |
| Tier 1 risk-based capital ratio | 8.3608% | 7,320 |
| Total risk-based capital ratio | 9.6231% | 7,329 |
| Memoranda: | ||
| Average total assets | $345,056,600 | 1,888 |
| Average earning assets | $313,259,000 | 1,893 |
| Average equity | $23,237,400 | 2,731 |
| Average total loans | $273,870,000 | 1,632 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1909% | 3,873 |
| Cost of funding earning assets | 1.4215% | 3,447 |
| Net interest margin | 3.7694% | 4,096 |
| Noninterest income to average assets | 0.3959% | 4,990 |
| Noninterest expense to average assets | 4.1042% | 930 |
| Loan and lease loss provision to assets | 0.5517% | 2,739 |
| Net operating income to assets | -0.5470% | 6,624 |
| Return on assets (ROA) | -0.5368% | 6,671 |
| Pretax return on assets | -0.8235% | 6,752 |
| Return on Equity (ROE) | -7.9688% | 6,831 |
| Retained earnings to average equity (ytd only) | -7.9688% | 6,766 |
| Net charge-offs to loans | 1.4275% | 1,424 |
| Credit loss provision to net charge-offs | 48.4696% | 5,906 |
| Earnings coverage of net charge-offs (x) | -0.2523% | 6,217 |
| Efficiency ratio | 107.2116% | 574 |
| Assets per employee ($millions) | 4.0759% | 3,688 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9091% | 2,456 |
| Loan loss allowance to noncurrent loans | 49.2890% | 5,007 |
| Noncurrent assets plus other real estate owned to assets | 4.2124% | 1,626 |
| Noncurrent loans to loans | 3.8732% | 1,961 |
| Net loans and leases to total assets | 76.9877% | 1,222 |
| Net loans and leases to deposits | 83.0451% | 2,903 |
| Net loans and leases to core deposits | 100.0657% | 1,840 |
| Total domestic deposits to total assets | 92.7059% | 120 |
| Equity capital to assets | 6.6115% | 7,411 |
| Core capital (leverage) ratio | 5.6838% | 7,472 |
| Tier 1 risk-based capital ratio | 8.0396% | 7,478 |
| Total risk-based capital ratio | 9.3018% | 7,481 |
| Memoranda: | ||
| Average total assets | $348,251,500 | 1,904 |
| Average earning assets | $316,085,250 | 1,907 |
| Average equity | $23,457,750 | 2,754 |
| Average total loans | $277,678,500 | 1,635 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2211% | 3,844 |
| Cost of funding earning assets | 1.4758% | 3,392 |
| Net interest margin | 3.7453% | 4,160 |
| Noninterest income to average assets | 0.5408% | 3,785 |
| Noninterest expense to average assets | 3.9582% | 1,095 |
| Loan and lease loss provision to assets | 0.5551% | 2,552 |
| Net operating income to assets | -0.3840% | 6,550 |
| Return on assets (ROA) | -0.3683% | 6,577 |
| Pretax return on assets | -0.5585% | 6,634 |
| Return on Equity (ROE) | -5.4358% | 6,732 |
| Retained earnings to average equity (ytd only) | -5.4358% | 6,602 |
| Net charge-offs to loans | 1.6561% | 1,141 |
| Credit loss provision to net charge-offs | 41.8244% | 5,584 |
| Earnings coverage of net charge-offs (x) | -0.0207% | 5,735 |
| Efficiency ratio | 100.4068% | 788 |
| Assets per employee ($millions) | 3.9169% | 3,932 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9273% | 2,349 |
| Loan loss allowance to noncurrent loans | 35.3152% | 6,005 |
| Noncurrent assets plus other real estate owned to assets | 6.2460% | 921 |
| Noncurrent loans to loans | 5.4574% | 1,211 |
| Net loans and leases to total assets | 77.5100% | 1,193 |
| Net loans and leases to deposits | 83.5920% | 2,952 |
| Net loans and leases to core deposits | 99.6353% | 2,060 |
| Total domestic deposits to total assets | 92.7242% | 130 |
| Equity capital to assets | 6.6943% | 7,441 |
| Core capital (leverage) ratio | 6.5065% | 7,381 |
| Tier 1 risk-based capital ratio | 9.0362% | 7,406 |
| Total risk-based capital ratio | 10.2982% | 7,412 |
| Memoranda: | ||
| Average total assets | $350,211,000 | 1,912 |
| Average earning assets | $316,985,670 | 1,916 |
| Average equity | $23,731,670 | 2,718 |
| Average total loans | $280,666,330 | 1,630 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2215% | 3,912 |
| Cost of funding earning assets | 1.5499% | 3,268 |
| Net interest margin | 3.6717% | 4,388 |
| Noninterest income to average assets | 0.7521% | 2,289 |
| Noninterest expense to average assets | 3.7036% | 1,510 |
| Loan and lease loss provision to assets | 0.2701% | 3,868 |
| Net operating income to assets | 0.0912% | 6,047 |
| Return on assets (ROA) | 0.0866% | 6,160 |
| Pretax return on assets | 0.1026% | 6,126 |
| Return on Equity (ROE) | 1.2704% | 6,042 |
| Retained earnings to average equity (ytd only) | 1.2704% | 5,305 |
| Net charge-offs to loans | 2.4488% | 675 |
| Credit loss provision to net charge-offs | 13.6678% | 5,014 |
| Earnings coverage of net charge-offs (x) | 0.1909% | 4,870 |
| Efficiency ratio | 90.4775% | 1,392 |
| Assets per employee ($millions) | 4.0501% | 3,756 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8469% | 2,587 |
| Loan loss allowance to noncurrent loans | 30.2347% | 6,382 |
| Noncurrent assets plus other real estate owned to assets | 6.6699% | 837 |
| Noncurrent loans to loans | 6.1086% | 1,065 |
| Net loans and leases to total assets | 77.9004% | 1,175 |
| Net loans and leases to deposits | 86.7746% | 2,457 |
| Net loans and leases to core deposits | 102.0678% | 1,897 |
| Total domestic deposits to total assets | 89.7732% | 1,099 |
| Equity capital to assets | 6.8033% | 7,450 |
| Core capital (leverage) ratio | 6.6189% | 7,425 |
| Tier 1 risk-based capital ratio | 9.2340% | 7,416 |
| Total risk-based capital ratio | 10.4949% | 7,410 |
| Memoranda: | ||
| Average total assets | $351,012,500 | 1,954 |
| Average earning assets | $318,221,000 | 1,960 |
| Average equity | $23,929,000 | 2,725 |
| Average total loans | $283,241,500 | 1,662 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4260% | 4,559 |
| Cost of funding earning assets | 2.1672% | 2,162 |
| Net interest margin | 3.2588% | 5,894 |
| Noninterest income to average assets | 0.7003% | 2,979 |
| Noninterest expense to average assets | 3.3775% | 2,753 |
| Loan and lease loss provision to assets | 1.0648% | 2,152 |
| Net operating income to assets | -0.5058% | 6,187 |
| Return on assets (ROA) | -0.4783% | 6,149 |
| Pretax return on assets | -0.7414% | 6,225 |
| Return on Equity (ROE) | -7.3114% | 6,410 |
| Retained earnings to average equity (ytd only) | -7.6800% | 6,307 |
| Net charge-offs to loans | 1.2649% | 1,954 |
| Credit loss provision to net charge-offs | 100.9692% | 5,466 |
| Earnings coverage of net charge-offs (x) | 0.2674% | 5,845 |
| Efficiency ratio | 92.0003% | 1,569 |
| Assets per employee ($millions) | 3.7598% | 4,375 |
| Cash dividends to net income (ytd only)* | -5.0411% | 7,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3226% | 1,443 |
| Loan loss allowance to noncurrent loans | 38.4931% | 5,858 |
| Noncurrent assets plus other real estate owned to assets | 6.7467% | 771 |
| Noncurrent loans to loans | 6.0339% | 1,038 |
| Net loans and leases to total assets | 80.1242% | 972 |
| Net loans and leases to deposits | 91.3682% | 1,991 |
| Net loans and leases to core deposits | 101.9798% | 3,802 |
| Total domestic deposits to total assets | 87.6937% | 2,127 |
| Equity capital to assets | 6.8311% | 7,453 |
| Core capital (leverage) ratio | 6.4760% | 7,503 |
| Tier 1 risk-based capital ratio | 8.9879% | 7,471 |
| Total risk-based capital ratio | 10.2554% | 7,487 |
| Memoranda: | ||
| Average total assets | $381,557,200 | 1,791 |
| Average earning assets | $346,478,600 | 1,802 |
| Average equity | $24,961,000 | 2,614 |
| Average total loans | $318,129,200 | 1,511 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4382% | 4,748 |
| Cost of funding earning assets | 2.2650% | 2,129 |
| Net interest margin | 3.1732% | 6,109 |
| Noninterest income to average assets | 0.7421% | 2,753 |
| Noninterest expense to average assets | 3.2996% | 2,925 |
| Loan and lease loss provision to assets | 0.5528% | 3,174 |
| Net operating income to assets | -0.1387% | 5,966 |
| Return on assets (ROA) | -0.1041% | 5,927 |
| Pretax return on assets | -0.1725% | 5,938 |
| Return on Equity (ROE) | -1.6065% | 6,038 |
| Retained earnings to average equity (ytd only) | -2.0927% | 5,742 |
| Net charge-offs to loans | 1.2991% | 1,575 |
| Credit loss provision to net charge-offs | 50.8501% | 6,295 |
| Earnings coverage of net charge-offs (x) | 0.3007% | 5,719 |
| Efficiency ratio | 90.6937% | 1,627 |
| Assets per employee ($millions) | 3.9155% | 3,902 |
| Cash dividends to net income (ytd only)* | -30.2625% | 7,881 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6539% | 2,789 |
| Loan loss allowance to noncurrent loans | 25.9990% | 6,724 |
| Noncurrent assets plus other real estate owned to assets | 6.1759% | 852 |
| Noncurrent loans to loans | 6.3614% | 917 |
| Net loans and leases to total assets | 83.5592% | 600 |
| Net loans and leases to deposits | 96.7967% | 1,478 |
| Net loans and leases to core deposits | 108.8804% | 3,356 |
| Total domestic deposits to total assets | 86.3244% | 2,524 |
| Equity capital to assets | 6.8790% | 7,648 |
| Core capital (leverage) ratio | 6.3413% | 7,722 |
| Tier 1 risk-based capital ratio | 8.7774% | 7,688 |
| Total risk-based capital ratio | 10.0366% | 7,718 |
| Memoranda: | ||
| Average total assets | $389,530,000 | 1,777 |
| Average earning assets | $354,081,750 | 1,777 |
| Average equity | $25,229,750 | 2,611 |
| Average total loans | $325,954,250 | 1,495 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4386% | 4,948 |
| Cost of funding earning assets | 2.3420% | 2,193 |
| Net interest margin | 3.0965% | 6,253 |
| Noninterest income to average assets | 0.7844% | 2,490 |
| Noninterest expense to average assets | 3.1641% | 3,458 |
| Loan and lease loss provision to assets | 0.6261% | 2,551 |
| Net operating income to assets | -0.1237% | 6,052 |
| Return on assets (ROA) | -0.0781% | 6,033 |
| Pretax return on assets | -0.1297% | 6,034 |
| Return on Equity (ROE) | -1.2293% | 6,107 |
| Retained earnings to average equity (ytd only) | -1.9543% | 5,731 |
| Net charge-offs to loans | 1.7439% | 1,091 |
| Credit loss provision to net charge-offs | 43.1034% | 5,858 |
| Earnings coverage of net charge-offs (x) | 0.2934% | 5,383 |
| Efficiency ratio | 87.8348% | 2,035 |
| Assets per employee ($millions) | 4.1722% | 3,344 |
| Cash dividends to net income (ytd only)* | -58.9744% | 8,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5749% | 2,844 |
| Loan loss allowance to noncurrent loans | 25.9066% | 6,777 |
| Noncurrent assets plus other real estate owned to assets | 5.7768% | 853 |
| Noncurrent loans to loans | 6.0790% | 894 |
| Net loans and leases to total assets | 80.9543% | 1,147 |
| Net loans and leases to deposits | 97.1418% | 1,645 |
| Net loans and leases to core deposits | 111.9752% | 3,135 |
| Total domestic deposits to total assets | 83.3363% | 4,096 |
| Equity capital to assets | 6.4239% | 7,835 |
| Core capital (leverage) ratio | 6.2373% | 7,874 |
| Tier 1 risk-based capital ratio | 8.7691% | 7,797 |
| Total risk-based capital ratio | 10.0262% | 7,833 |
| Memoranda: | ||
| Average total assets | $399,298,330 | 1,763 |
| Average earning assets | $361,823,000 | 1,771 |
| Average equity | $25,379,670 | 2,613 |
| Average total loans | $332,584,670 | 1,501 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4831% | 4,996 |
| Cost of funding earning assets | 2.3867% | 2,347 |
| Net interest margin | 3.0963% | 6,209 |
| Noninterest income to average assets | 0.8638% | 2,015 |
| Noninterest expense to average assets | 3.1330% | 3,257 |
| Loan and lease loss provision to assets | 0.6879% | 1,835 |
| Net operating income to assets | -0.1759% | 6,517 |
| Return on assets (ROA) | -0.0983% | 6,524 |
| Pretax return on assets | -0.0963% | 6,473 |
| Return on Equity (ROE) | -1.5540% | 6,616 |
| Retained earnings to average equity (ytd only) | -2.9836% | 6,275 |
| Net charge-offs to loans | 2.2462% | 647 |
| Credit loss provision to net charge-offs | 36.5535% | 4,865 |
| Earnings coverage of net charge-offs (x) | 0.2731% | 4,754 |
| Efficiency ratio | 85.6373% | 2,118 |
| Assets per employee ($millions) | 4.4531% | 2,800 |
| Cash dividends to net income (ytd only)* | -92.0000% | 8,171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6279% | 2,412 |
| Loan loss allowance to noncurrent loans | 34.1608% | 6,259 |
| Noncurrent assets plus other real estate owned to assets | 4.6626% | 1,011 |
| Noncurrent loans to loans | 4.7655% | 1,164 |
| Net loans and leases to total assets | 79.7670% | 1,436 |
| Net loans and leases to deposits | 101.8888% | 1,186 |
| Net loans and leases to core deposits | 123.9017% | 2,089 |
| Total domestic deposits to total assets | 78.2883% | 5,927 |
| Equity capital to assets | 6.0420% | 7,988 |
| Core capital (leverage) ratio | 5.9225% | 8,020 |
| Tier 1 risk-based capital ratio | 8.4403% | 7,951 |
| Total risk-based capital ratio | 9.6986% | 7,988 |
| Memoranda: | ||
| Average total assets | $407,024,500 | 1,733 |
| Average earning assets | $365,854,000 | 1,765 |
| Average equity | $25,740,500 | 2,590 |
| Average total loans | $341,021,000 | 1,473 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1803% | 4,615 |
| Cost of funding earning assets | 2.9196% | 2,176 |
| Net interest margin | 3.2607% | 6,179 |
| Noninterest income to average assets | 0.6432% | 3,525 |
| Noninterest expense to average assets | 3.0227% | 3,998 |
| Loan and lease loss provision to assets | 0.8151% | 1,822 |
| Net operating income to assets | -0.0444% | 6,434 |
| Return on assets (ROA) | -0.0444% | 6,284 |
| Pretax return on assets | -0.1707% | 6,348 |
| Return on Equity (ROE) | -0.6455% | 6,314 |
| Retained earnings to average equity (ytd only) | -2.0103% | 5,872 |
| Net charge-offs to loans | 0.1273% | 4,967 |
| Credit loss provision to net charge-offs | 749.1841% | 564 |
| Earnings coverage of net charge-offs (x) | 5.9231% | 3,488 |
| Efficiency ratio | 82.1426% | 2,286 |
| Assets per employee ($millions) | 4.3480% | 2,887 |
| Cash dividends to net income (ytd only)* | -211.4286% | 8,206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8931% | 1,433 |
| Loan loss allowance to noncurrent loans | 50.7860% | 5,452 |
| Noncurrent assets plus other real estate owned to assets | 3.5475% | 1,248 |
| Noncurrent loans to loans | 3.7277% | 1,346 |
| Net loans and leases to total assets | 84.8783% | 748 |
| Net loans and leases to deposits | 114.6812% | 587 |
| Net loans and leases to core deposits | 140.6739% | 1,231 |
| Total domestic deposits to total assets | 74.0124% | 6,653 |
| Equity capital to assets | 6.6099% | 7,901 |
| Core capital (leverage) ratio | 6.4270% | 7,959 |
| Tier 1 risk-based capital ratio | 8.8962% | 7,845 |
| Total risk-based capital ratio | 10.1591% | 7,864 |
| Memoranda: | ||
| Average total assets | $394,286,000 | 1,720 |
| Average earning assets | $365,661,000 | 1,700 |
| Average equity | $27,110,800 | 2,467 |
| Average total loans | $337,107,000 | 1,439 |