Home > The Nashua Bank > Performance and Condition Ratios
The Nashua 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 | 4.6800% | 2,892 |
| Cost of funding earning assets | 0.7450% | 3,390 |
| Net interest margin | 3.9350% | 2,779 |
| Noninterest income to average assets | 0.0666% | 6,748 |
| Noninterest expense to average assets | 3.3868% | 2,036 |
| Loan and lease loss provision to assets | 0.0903% | 4,475 |
| Net operating income to assets | 0.2333% | 5,830 |
| Return on assets (ROA) | 0.2326% | 6,015 |
| Pretax return on assets | 0.3929% | 5,735 |
| Return on Equity (ROE) | 1.6743% | 6,107 |
| Retained earnings to average equity (ytd only) | 1.4061% | 5,618 |
| Net charge-offs to loans | -0.0111% | 6,378 |
| Credit loss provision to net charge-offs | -1,142.8571% | 6,557 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.4891% | 1,252 |
| Assets per employee ($millions) | 5.2727% | 1,855 |
| Cash dividends to net income (ytd only)* | 16.0198% | 3,220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3241% | 4,709 |
| Loan loss allowance to noncurrent loans | 77.9230% | 3,916 |
| Noncurrent assets plus other real estate owned to assets | 1.1990% | 3,889 |
| Noncurrent loans to loans | 1.6992% | 3,237 |
| Net loans and leases to total assets | 69.6245% | 1,988 |
| Net loans and leases to deposits | 83.1168% | 1,983 |
| Net loans and leases to core deposits | 97.7698% | 1,282 |
| Total domestic deposits to total assets | 83.7671% | 4,332 |
| Equity capital to assets | 13.6899% | 1,274 |
| Core capital (leverage) ratio | 13.2534% | 1,084 |
| Tier 1 risk-based capital ratio | 21.1326% | 1,496 |
| Total risk-based capital ratio | 22.3868% | 1,465 |
| Memoranda: | ||
| Average total assets | $118,103,000 | 4,444 |
| Average earning assets | $114,186,000 | 4,284 |
| Average equity | $16,404,750 | 3,752 |
| Average total loans | $84,060,750 | 3,951 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7053% | 2,891 |
| Cost of funding earning assets | 0.7531% | 3,580 |
| Net interest margin | 3.9522% | 2,713 |
| Noninterest income to average assets | 0.0701% | 6,796 |
| Noninterest expense to average assets | 3.2192% | 2,528 |
| Loan and lease loss provision to assets | 0.1025% | 4,238 |
| Net operating income to assets | 0.3480% | 5,438 |
| Return on assets (ROA) | 0.3469% | 5,668 |
| Pretax return on assets | 0.5758% | 5,222 |
| Return on Equity (ROE) | 2.4849% | 5,885 |
| Retained earnings to average equity (ytd only) | 2.1788% | 5,103 |
| Net charge-offs to loans | -0.0168% | 6,391 |
| Credit loss provision to net charge-offs | -857.1429% | 6,372 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5592% | 1,806 |
| Assets per employee ($millions) | 5.1438% | 1,979 |
| Cash dividends to net income (ytd only)* | 12.3153% | 3,243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2958% | 4,909 |
| Loan loss allowance to noncurrent loans | 74.2495% | 4,015 |
| Noncurrent assets plus other real estate owned to assets | 1.2670% | 3,892 |
| Noncurrent loans to loans | 1.7453% | 3,283 |
| Net loans and leases to total assets | 71.6579% | 1,614 |
| Net loans and leases to deposits | 86.2405% | 1,568 |
| Net loans and leases to core deposits | 102.6207% | 944 |
| Total domestic deposits to total assets | 83.0907% | 4,720 |
| Equity capital to assets | 13.9669% | 1,107 |
| Core capital (leverage) ratio | 13.4669% | 988 |
| Tier 1 risk-based capital ratio | 21.2926% | 1,426 |
| Total risk-based capital ratio | 22.5458% | 1,401 |
| Memoranda: | ||
| Average total assets | $117,046,670 | 4,479 |
| Average earning assets | $113,404,000 | 4,323 |
| Average equity | $16,339,000 | 3,753 |
| Average total loans | $83,558,330 | 3,996 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7479% | 2,852 |
| Cost of funding earning assets | 0.7648% | 3,752 |
| Net interest margin | 3.9831% | 2,581 |
| Noninterest income to average assets | 0.0653% | 6,876 |
| Noninterest expense to average assets | 3.2023% | 2,588 |
| Loan and lease loss provision to assets | 0.1374% | 3,634 |
| Net operating income to assets | 0.3561% | 5,451 |
| Return on assets (ROA) | 0.3539% | 5,637 |
| Pretax return on assets | 0.5875% | 5,155 |
| Return on Equity (ROE) | 2.5359% | 5,891 |
| Retained earnings to average equity (ytd only) | 2.3390% | 5,094 |
| Net charge-offs to loans | -0.0291% | 6,331 |
| Credit loss provision to net charge-offs | -666.6667% | 5,842 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4685% | 2,011 |
| Assets per employee ($millions) | 5.3286% | 1,855 |
| Cash dividends to net income (ytd only)* | 7.7670% | 2,607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2864% | 5,080 |
| Loan loss allowance to noncurrent loans | 66.8299% | 4,173 |
| Noncurrent assets plus other real estate owned to assets | 1.3939% | 3,780 |
| Noncurrent loans to loans | 1.9248% | 3,256 |
| Net loans and leases to total assets | 71.4823% | 1,485 |
| Net loans and leases to deposits | 87.1199% | 1,271 |
| Net loans and leases to core deposits | 104.7004% | 734 |
| Total domestic deposits to total assets | 82.0505% | 5,278 |
| Equity capital to assets | 13.9036% | 1,054 |
| Core capital (leverage) ratio | 13.7544% | 864 |
| Tier 1 risk-based capital ratio | 21.4429% | 1,392 |
| Total risk-based capital ratio | 22.7055% | 1,361 |
| Memoranda: | ||
| Average total assets | $116,416,000 | 4,530 |
| Average earning assets | $112,976,500 | 4,356 |
| Average equity | $16,246,500 | 3,776 |
| Average total loans | $82,392,500 | 4,055 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6153% | 4,608 |
| Cost of funding earning assets | 0.9123% | 4,032 |
| Net interest margin | 3.7029% | 4,287 |
| Noninterest income to average assets | 0.0466% | 6,849 |
| Noninterest expense to average assets | 3.0400% | 3,437 |
| Loan and lease loss provision to assets | 0.2067% | 4,119 |
| Net operating income to assets | 0.2263% | 5,502 |
| Return on assets (ROA) | 0.2269% | 5,645 |
| Pretax return on assets | 0.3878% | 5,330 |
| Return on Equity (ROE) | 1.8404% | 5,722 |
| Retained earnings to average equity (ytd only) | 1.7762% | 4,948 |
| Net charge-offs to loans | 0.0450% | 5,855 |
| Credit loss provision to net charge-offs | 734.3750% | 297 |
| Earnings coverage of net charge-offs (x) | 21.0938% | 1,107 |
| Efficiency ratio | 83.6641% | 1,808 |
| Assets per employee ($millions) | 5.2547% | 1,880 |
| Cash dividends to net income (ytd only)* | 3.4884% | 4,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3092% | 4,860 |
| Loan loss allowance to noncurrent loans | 58.0144% | 4,606 |
| Noncurrent assets plus other real estate owned to assets | 1.5596% | 3,606 |
| Noncurrent loans to loans | 2.2567% | 2,888 |
| Net loans and leases to total assets | 68.2067% | 2,352 |
| Net loans and leases to deposits | 81.2098% | 2,326 |
| Net loans and leases to core deposits | 95.8441% | 1,508 |
| Total domestic deposits to total assets | 83.9883% | 4,319 |
| Equity capital to assets | 14.0083% | 1,058 |
| Core capital (leverage) ratio | 13.2748% | 1,046 |
| Tier 1 risk-based capital ratio | 21.4393% | 1,333 |
| Total risk-based capital ratio | 22.6926% | 1,306 |
| Memoranda: | ||
| Average total assets | $113,718,800 | 4,555 |
| Average earning assets | $110,156,200 | 4,388 |
| Average equity | $14,018,600 | 4,102 |
| Average total loans | $71,096,800 | 4,449 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5501% | 5,084 |
| Cost of funding earning assets | 0.9304% | 4,193 |
| Net interest margin | 3.6196% | 4,695 |
| Noninterest income to average assets | 0.0483% | 6,962 |
| Noninterest expense to average assets | 3.0410% | 3,397 |
| Loan and lease loss provision to assets | 0.1825% | 4,208 |
| Net operating income to assets | 0.2065% | 5,685 |
| Return on assets (ROA) | 0.2072% | 5,816 |
| Pretax return on assets | 0.3296% | 5,643 |
| Return on Equity (ROE) | 1.7415% | 5,858 |
| Retained earnings to average equity (ytd only) | 1.7415% | 5,272 |
| Net charge-offs to loans | 0.0271% | 5,767 |
| Credit loss provision to net charge-offs | 1,107.1429% | 243 |
| Earnings coverage of net charge-offs (x) | 30.9936% | 912 |
| Efficiency ratio | 85.6148% | 1,574 |
| Assets per employee ($millions) | 5.0290% | 2,154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3269% | 4,892 |
| Loan loss allowance to noncurrent loans | 129.6443% | 2,335 |
| Noncurrent assets plus other real estate owned to assets | 0.6562% | 5,498 |
| Noncurrent loans to loans | 1.0235% | 4,848 |
| Net loans and leases to total assets | 63.2644% | 3,463 |
| Net loans and leases to deposits | 76.7575% | 3,200 |
| Net loans and leases to core deposits | 90.7947% | 2,150 |
| Total domestic deposits to total assets | 82.4211% | 4,914 |
| Equity capital to assets | 14.0187% | 1,150 |
| Core capital (leverage) ratio | 13.5862% | 1,019 |
| Tier 1 risk-based capital ratio | 22.8173% | 1,171 |
| Total risk-based capital ratio | 24.0705% | 1,149 |
| Memoranda: | ||
| Average total assets | $113,247,750 | 4,598 |
| Average earning assets | $109,622,500 | 4,433 |
| Average equity | $13,474,750 | 4,248 |
| Average total loans | $68,897,250 | 4,572 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5033% | 5,345 |
| Cost of funding earning assets | 0.9419% | 4,381 |
| Net interest margin | 3.5614% | 4,874 |
| Noninterest income to average assets | 0.0409% | 7,080 |
| Noninterest expense to average assets | 3.0700% | 3,358 |
| Loan and lease loss provision to assets | 0.2099% | 3,817 |
| Net operating income to assets | 0.1305% | 5,929 |
| Return on assets (ROA) | 0.1316% | 6,023 |
| Pretax return on assets | 0.2063% | 5,924 |
| Return on Equity (ROE) | 1.1782% | 6,039 |
| Retained earnings to average equity (ytd only) | 1.1782% | 5,389 |
| Net charge-offs to loans | 0.0417% | 5,272 |
| Credit loss provision to net charge-offs | 842.8571% | 388 |
| Earnings coverage of net charge-offs (x) | 16.6429% | 1,328 |
| Efficiency ratio | 88.1062% | 1,406 |
| Assets per employee ($millions) | 5.0580% | 2,044 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3162% | 4,986 |
| Loan loss allowance to noncurrent loans | 142.1922% | 2,084 |
| Noncurrent assets plus other real estate owned to assets | 0.8187% | 5,245 |
| Noncurrent loans to loans | 0.9256% | 5,117 |
| Net loans and leases to total assets | 63.8092% | 3,507 |
| Net loans and leases to deposits | 75.7064% | 3,529 |
| Net loans and leases to core deposits | 90.3452% | 2,329 |
| Total domestic deposits to total assets | 84.2852% | 4,218 |
| Equity capital to assets | 11.5271% | 2,481 |
| Core capital (leverage) ratio | 11.3107% | 2,043 |
| Tier 1 risk-based capital ratio | 18.1026% | 2,136 |
| Total risk-based capital ratio | 19.3546% | 2,091 |
| Memoranda: | ||
| Average total assets | $112,441,330 | 4,643 |
| Average earning assets | $108,720,330 | 4,482 |
| Average equity | $12,561,330 | 4,423 |
| Average total loans | $67,143,000 | 4,673 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3790% | 5,762 |
| Cost of funding earning assets | 0.9829% | 4,327 |
| Net interest margin | 3.3961% | 5,444 |
| Noninterest income to average assets | 0.0354% | 7,199 |
| Noninterest expense to average assets | 3.0224% | 3,547 |
| Loan and lease loss provision to assets | 0.1628% | 4,000 |
| Net operating income to assets | 0.0779% | 6,149 |
| Return on assets (ROA) | 0.0779% | 6,204 |
| Pretax return on assets | 0.1274% | 6,114 |
| Return on Equity (ROE) | 0.7081% | 6,213 |
| Retained earnings to average equity (ytd only) | 0.7081% | 5,542 |
| Net charge-offs to loans | 0.0865% | 4,091 |
| Credit loss provision to net charge-offs | 328.5714% | 990 |
| Earnings coverage of net charge-offs (x) | 5.8571% | 2,199 |
| Efficiency ratio | 91.2393% | 1,223 |
| Assets per employee ($millions) | 5.7605% | 1,371 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3244% | 5,013 |
| Loan loss allowance to noncurrent loans | 128.2991% | 2,288 |
| Noncurrent assets plus other real estate owned to assets | 0.8046% | 5,298 |
| Noncurrent loans to loans | 1.0323% | 4,991 |
| Net loans and leases to total assets | 56.5850% | 4,894 |
| Net loans and leases to deposits | 65.6591% | 5,023 |
| Net loans and leases to core deposits | 75.2514% | 4,388 |
| Total domestic deposits to total assets | 86.1799% | 3,416 |
| Equity capital to assets | 10.7856% | 2,891 |
| Core capital (leverage) ratio | 10.8312% | 2,330 |
| Tier 1 risk-based capital ratio | 19.5472% | 1,683 |
| Total risk-based capital ratio | 20.8002% | 1,651 |
| Memoranda: | ||
| Average total assets | $113,023,500 | 4,666 |
| Average earning assets | $109,065,000 | 4,496 |
| Average equity | $12,428,500 | 4,461 |
| Average total loans | $64,738,500 | 4,813 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4379% | 6,547 |
| Cost of funding earning assets | 1.1612% | 4,784 |
| Net interest margin | 3.2767% | 6,049 |
| Noninterest income to average assets | 0.0478% | 7,119 |
| Noninterest expense to average assets | 2.9292% | 4,112 |
| Loan and lease loss provision to assets | 0.1869% | 5,364 |
| Net operating income to assets | 0.3945% | 4,564 |
| Return on assets (ROA) | 0.6075% | 3,803 |
| Pretax return on assets | 0.2907% | 5,256 |
| Return on Equity (ROE) | 5.5099% | 3,830 |
| Retained earnings to average equity (ytd only) | 5.5099% | 2,103 |
| Net charge-offs to loans | -0.0017% | 7,234 |
| Credit loss provision to net charge-offs | -20,700.0000% | 7,229 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.7185% | 1,202 |
| Assets per employee ($millions) | 5.5419% | 1,540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3294% | 4,854 |
| Loan loss allowance to noncurrent loans | 88.0878% | 3,238 |
| Noncurrent assets plus other real estate owned to assets | 0.8634% | 5,283 |
| Noncurrent loans to loans | 1.5092% | 4,215 |
| Net loans and leases to total assets | 56.4500% | 5,265 |
| Net loans and leases to deposits | 66.4627% | 5,340 |
| Net loans and leases to core deposits | 72.3196% | 5,178 |
| Total domestic deposits to total assets | 84.9348% | 3,890 |
| Equity capital to assets | 11.2155% | 2,487 |
| Core capital (leverage) ratio | 10.6232% | 2,440 |
| Tier 1 risk-based capital ratio | 19.7154% | 1,550 |
| Total risk-based capital ratio | 20.9672% | 1,519 |
| Memoranda: | ||
| Average total assets | $110,782,400 | 4,694 |
| Average earning assets | $106,356,600 | 4,552 |
| Average equity | $12,214,400 | 4,551 |
| Average total loans | $57,431,400 | 5,182 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4568% | 6,707 |
| Cost of funding earning assets | 1.1866% | 4,927 |
| Net interest margin | 3.2702% | 6,112 |
| Noninterest income to average assets | 0.0457% | 7,291 |
| Noninterest expense to average assets | 2.8624% | 4,233 |
| Loan and lease loss provision to assets | 0.1926% | 5,116 |
| Net operating income to assets | 0.1221% | 5,713 |
| Return on assets (ROA) | 0.3948% | 4,953 |
| Pretax return on assets | 0.4129% | 5,183 |
| Return on Equity (ROE) | 3.5963% | 4,967 |
| Retained earnings to average equity (ytd only) | 3.5963% | 3,918 |
| Net charge-offs to loans | -0.0024% | 7,178 |
| Credit loss provision to net charge-offs | -16,000.0000% | 7,211 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.9055% | 1,301 |
| Assets per employee ($millions) | 5.8485% | 1,351 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3092% | 4,909 |
| Loan loss allowance to noncurrent loans | 62.1390% | 4,189 |
| Noncurrent assets plus other real estate owned to assets | 1.0952% | 4,921 |
| Noncurrent loans to loans | 2.1068% | 3,562 |
| Net loans and leases to total assets | 51.3003% | 6,186 |
| Net loans and leases to deposits | 60.3009% | 6,285 |
| Net loans and leases to core deposits | 65.2991% | 6,182 |
| Total domestic deposits to total assets | 85.0740% | 3,589 |
| Equity capital to assets | 10.6814% | 3,311 |
| Core capital (leverage) ratio | 10.7244% | 2,493 |
| Tier 1 risk-based capital ratio | 19.7741% | 1,589 |
| Total risk-based capital ratio | 21.0259% | 1,561 |
| Memoranda: | ||
| Average total assets | $110,768,500 | 4,746 |
| Average earning assets | $106,292,000 | 4,609 |
| Average equity | $12,160,250 | 4,634 |
| Average total loans | $55,936,500 | 5,309 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5548% | 6,579 |
| Cost of funding earning assets | 1.2380% | 4,909 |
| Net interest margin | 3.3167% | 5,955 |
| Noninterest income to average assets | 0.0442% | 7,358 |
| Noninterest expense to average assets | 2.7893% | 4,535 |
| Loan and lease loss provision to assets | 0.1840% | 5,033 |
| Net operating income to assets | 0.2373% | 5,424 |
| Return on assets (ROA) | 0.2373% | 5,566 |
| Pretax return on assets | 0.2649% | 5,613 |
| Return on Equity (ROE) | 2.1413% | 5,591 |
| Retained earnings to average equity (ytd only) | 2.1413% | 4,782 |
| Net charge-offs to loans | -0.0037% | 7,092 |
| Credit loss provision to net charge-offs | -10,000.0000% | 7,059 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.1364% | 1,695 |
| Assets per employee ($millions) | 5.2974% | 1,814 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2583% | 5,136 |
| Loan loss allowance to noncurrent loans | 56.7901% | 4,527 |
| Noncurrent assets plus other real estate owned to assets | 1.2233% | 4,691 |
| Noncurrent loans to loans | 2.2158% | 3,467 |
| Net loans and leases to total assets | 54.5122% | 5,914 |
| Net loans and leases to deposits | 65.5863% | 5,863 |
| Net loans and leases to core deposits | 71.4106% | 5,735 |
| Total domestic deposits to total assets | 83.1151% | 4,521 |
| Equity capital to assets | 11.8201% | 2,206 |
| Core capital (leverage) ratio | 10.9324% | 2,293 |
| Tier 1 risk-based capital ratio | 20.1625% | 1,488 |
| Total risk-based capital ratio | 21.4194% | 1,456 |
| Memoranda: | ||
| Average total assets | $108,701,330 | 4,842 |
| Average earning assets | $104,681,000 | 4,672 |
| Average equity | $12,049,000 | 4,666 |
| Average total loans | $54,314,670 | 5,404 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4678% | 6,859 |
| Cost of funding earning assets | 1.2862% | 4,897 |
| Net interest margin | 3.1816% | 6,351 |
| Noninterest income to average assets | 0.0291% | 7,563 |
| Noninterest expense to average assets | 2.6308% | 5,227 |
| Loan and lease loss provision to assets | 0.2253% | 4,243 |
| Net operating income to assets | 0.2471% | 5,507 |
| Return on assets (ROA) | 0.2471% | 5,626 |
| Pretax return on assets | 0.2471% | 5,753 |
| Return on Equity (ROE) | 2.3027% | 5,633 |
| Retained earnings to average equity (ytd only) | 2.3027% | 4,757 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.7775% | 1,934 |
| Assets per employee ($millions) | 6.2146% | 1,135 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2750% | 5,067 |
| Loan loss allowance to noncurrent loans | 89.7172% | 3,073 |
| Noncurrent assets plus other real estate owned to assets | 0.6589% | 5,869 |
| Noncurrent loans to loans | 1.4211% | 4,604 |
| Net loans and leases to total assets | 45.7731% | 6,844 |
| Net loans and leases to deposits | 54.0896% | 6,912 |
| Net loans and leases to core deposits | 58.0986% | 6,874 |
| Total domestic deposits to total assets | 84.6246% | 3,844 |
| Equity capital to assets | 10.1704% | 3,642 |
| Core capital (leverage) ratio | 10.7324% | 2,432 |
| Tier 1 risk-based capital ratio | 19.7330% | 1,576 |
| Total risk-based capital ratio | 20.9356% | 1,554 |
| Memoranda: | ||
| Average total assets | $110,078,500 | 4,870 |
| Average earning assets | $106,360,000 | 4,689 |
| Average equity | $11,812,000 | 4,762 |
| Average total loans | $52,227,000 | 5,571 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7316% | 7,087 |
| Cost of funding earning assets | 1.7379% | 4,324 |
| Net interest margin | 2.9937% | 6,663 |
| Noninterest income to average assets | 0.0381% | 7,558 |
| Noninterest expense to average assets | 2.7355% | 5,220 |
| Loan and lease loss provision to assets | 0.4066% | 4,377 |
| Net operating income to assets | -0.2426% | 5,890 |
| Return on assets (ROA) | -0.2287% | 5,872 |
| Pretax return on assets | -0.2287% | 5,734 |
| Return on Equity (ROE) | -1.6988% | 5,808 |
| Retained earnings to average equity (ytd only) | -1.6988% | 5,435 |
| Net charge-offs to loans | 0.0107% | 7,083 |
| Credit loss provision to net charge-offs | 8,800.0000% | 38 |
| Earnings coverage of net charge-offs (x) | 35.5000% | 662 |
| Efficiency ratio | 94.3426% | 1,392 |
| Assets per employee ($millions) | 5.3726% | 1,766 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2775% | 4,887 |
| Loan loss allowance to noncurrent loans | 81.2020% | 3,399 |
| Noncurrent assets plus other real estate owned to assets | 0.7661% | 5,567 |
| Noncurrent loans to loans | 1.5732% | 4,291 |
| Net loans and leases to total assets | 48.0736% | 6,805 |
| Net loans and leases to deposits | 58.8928% | 6,711 |
| Net loans and leases to core deposits | 65.3897% | 7,011 |
| Total domestic deposits to total assets | 81.6289% | 5,094 |
| Equity capital to assets | 11.3784% | 2,412 |
| Core capital (leverage) ratio | 10.5618% | 2,541 |
| Tier 1 risk-based capital ratio | 22.0273% | 1,146 |
| Total risk-based capital ratio | 23.2581% | 1,129 |
| Memoranda: | ||
| Average total assets | $86,566,200 | 5,503 |
| Average earning assets | $82,741,800 | 5,371 |
| Average equity | $11,655,400 | 4,824 |
| Average total loans | $37,474,800 | 6,226 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5543% | 7,453 |
| Cost of funding earning assets | 1.7408% | 4,691 |
| Net interest margin | 2.8134% | 7,031 |
| Noninterest income to average assets | 0.0355% | 7,711 |
| Noninterest expense to average assets | 2.6960% | 5,346 |
| Loan and lease loss provision to assets | 0.4176% | 3,818 |
| Net operating income to assets | -0.3967% | 6,317 |
| Return on assets (ROA) | -0.3789% | 6,288 |
| Pretax return on assets | -0.3789% | 6,173 |
| Return on Equity (ROE) | -2.6860% | 6,196 |
| Retained earnings to average equity (ytd only) | -2.6860% | 5,870 |
| Net charge-offs to loans | 0.0155% | 6,702 |
| Credit loss provision to net charge-offs | 6,475.0000% | 59 |
| Earnings coverage of net charge-offs (x) | 3.2514% | 3,612 |
| Efficiency ratio | 99.2285% | 1,098 |
| Assets per employee ($millions) | 5.7942% | 1,357 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2617% | 4,743 |
| Loan loss allowance to noncurrent loans | 51.8164% | 4,854 |
| Noncurrent assets plus other real estate owned to assets | 1.0029% | 5,071 |
| Noncurrent loans to loans | 2.4350% | 3,092 |
| Net loans and leases to total assets | 40.6679% | 7,427 |
| Net loans and leases to deposits | 49.9012% | 7,415 |
| Net loans and leases to core deposits | 54.9012% | 7,576 |
| Total domestic deposits to total assets | 81.4969% | 4,879 |
| Equity capital to assets | 11.2238% | 2,813 |
| Core capital (leverage) ratio | 12.3986% | 1,619 |
| Tier 1 risk-based capital ratio | 23.4451% | 1,057 |
| Total risk-based capital ratio | 24.5707% | 1,044 |
| Memoranda: | ||
| Average total assets | $82,688,000 | 5,671 |
| Average earning assets | $78,810,500 | 5,531 |
| Average equity | $11,665,500 | 4,877 |
| Average total loans | $34,416,500 | 6,428 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6231% | 7,493 |
| Cost of funding earning assets | 1.7817% | 4,850 |
| Net interest margin | 2.8413% | 6,931 |
| Noninterest income to average assets | 0.0318% | 7,832 |
| Noninterest expense to average assets | 2.8509% | 4,732 |
| Loan and lease loss provision to assets | 0.3153% | 4,054 |
| Net operating income to assets | -0.4345% | 6,484 |
| Return on assets (ROA) | -0.4027% | 6,457 |
| Pretax return on assets | -0.4027% | 6,329 |
| Return on Equity (ROE) | -2.6090% | 6,312 |
| Retained earnings to average equity (ytd only) | -2.6090% | 5,890 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.3647% | 1,017 |
| Assets per employee ($millions) | 5.0535% | 2,022 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1024% | 5,585 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 42.3967% | 7,426 |
| Net loans and leases to deposits | 55.0055% | 7,218 |
| Net loans and leases to core deposits | 59.9417% | 7,455 |
| Total domestic deposits to total assets | 77.0772% | 6,304 |
| Equity capital to assets | 13.2255% | 1,589 |
| Core capital (leverage) ratio | 14.0348% | 1,131 |
| Tier 1 risk-based capital ratio | 25.0066% | 940 |
| Total risk-based capital ratio | 25.9022% | 958 |
| Memoranda: | ||
| Average total assets | $75,485,330 | 5,934 |
| Average earning assets | $71,727,330 | 5,833 |
| Average equity | $11,652,000 | 4,900 |
| Average total loans | $31,569,670 | 6,636 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6534% | 7,570 |
| Cost of funding earning assets | 1.6938% | 5,624 |
| Net interest margin | 2.9597% | 6,587 |
| Noninterest income to average assets | 0.0285% | 7,939 |
| Noninterest expense to average assets | 2.9087% | 4,131 |
| Loan and lease loss provision to assets | 0.1765% | 4,697 |
| Net operating income to assets | -0.2220% | 6,588 |
| Return on assets (ROA) | -0.2220% | 6,663 |
| Pretax return on assets | -0.2220% | 6,594 |
| Return on Equity (ROE) | -1.3224% | 6,590 |
| Retained earnings to average equity (ytd only) | -1.3224% | 5,967 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.5905% | 1,066 |
| Assets per employee ($millions) | 5.2388% | 1,807 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0384% | 5,876 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 38.5674% | 7,641 |
| Net loans and leases to deposits | 52.5106% | 7,366 |
| Net loans and leases to core deposits | 56.9156% | 7,572 |
| Total domestic deposits to total assets | 73.4468% | 6,979 |
| Equity capital to assets | 15.1040% | 1,075 |
| Core capital (leverage) ratio | 16.9525% | 660 |
| Tier 1 risk-based capital ratio | 29.4379% | 659 |
| Total risk-based capital ratio | 30.2579% | 670 |
| Memoranda: | ||
| Average total assets | $70,273,000 | 6,107 |
| Average earning assets | $67,305,000 | 5,997 |
| Average equity | $11,797,000 | 4,903 |
| Average total loans | $28,940,000 | 6,821 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5525% | 8,020 |
| Cost of funding earning assets | 1.8346% | 6,914 |
| Net interest margin | 2.7179% | 7,464 |
| Noninterest income to average assets | 0.0371% | 7,952 |
| Noninterest expense to average assets | 4.3549% | 990 |
| Loan and lease loss provision to assets | 0.5711% | 2,538 |
| Net operating income to assets | -2.2982% | 7,656 |
| Return on assets (ROA) | -2.2982% | 7,624 |
| Pretax return on assets | -2.2889% | 7,531 |
| Return on Equity (ROE) | -8.5232% | 7,161 |
| Retained earnings to average equity (ytd only) | -8.5232% | 6,928 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 165.1408% | 296 |
| Assets per employee ($millions) | 4.7665% | 2,218 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0530% | 5,601 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 43.5220% | 7,498 |
| Net loans and leases to deposits | 53.8208% | 7,448 |
| Net loans and leases to core deposits | 60.6022% | 7,559 |
| Total domestic deposits to total assets | 80.8647% | 4,707 |
| Equity capital to assets | 18.9223% | 554 |
| Core capital (leverage) ratio | 20.1262% | 440 |
| Tier 1 risk-based capital ratio | 33.4055% | 499 |
| Total risk-based capital ratio | 34.2598% | 498 |
| Memoranda: | ||
| Average total assets | $43,077,800 | 7,072 |
| Average earning assets | $41,207,800 | 6,983 |
| Average equity | $11,615,400 | 4,937 |
| Average total loans | $15,211,200 | 7,633 |