Home > The Union Savings Bank > Performance and Condition Ratios
The Union Savings Bank, Performance and Condition Ratios
| 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 | 3.6043% | 7,013 |
| Cost of funding earning assets | 0.6105% | 6,242 |
| Net interest margin | 2.9937% | 6,595 |
| Noninterest income to average assets | 0.2387% | 5,921 |
| Noninterest expense to average assets | 3.4647% | 2,038 |
| Loan and lease loss provision to assets | 0.0182% | 6,211 |
| Net operating income to assets | -0.3004% | 6,493 |
| Return on assets (ROA) | -0.3004% | 6,554 |
| Pretax return on assets | -0.3945% | 6,564 |
| Return on Equity (ROE) | -2.5205% | 6,527 |
| Retained earnings to average equity (ytd only) | -3.5805% | 6,476 |
| Net charge-offs to loans | 0.0929% | 5,046 |
| Credit loss provision to net charge-offs | 44.8276% | 5,147 |
| Earnings coverage of net charge-offs (x) | -9.2402% | 6,133 |
| Efficiency ratio | 112.1818% | 393 |
| Assets per employee ($millions) | 2.6552% | 6,718 |
| Cash dividends to net income (ytd only)* | -42.0566% | 7,380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8137% | 2,894 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1291% | 6,727 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 41.8839% | 6,511 |
| Net loans and leases to deposits | 47.6992% | 6,637 |
| Net loans and leases to core deposits | 47.6992% | 6,770 |
| Total domestic deposits to total assets | 87.8084% | 2,161 |
| Equity capital to assets | 12.0248% | 2,232 |
| Core capital (leverage) ratio | 11.6985% | 1,888 |
| Tier 1 risk-based capital ratio | 22.6606% | 1,192 |
| Total risk-based capital ratio | 23.9146% | 1,171 |
| Memoranda: | ||
| Average total assets | $94,974,000 | 5,076 |
| Average earning assets | $90,409,500 | 4,942 |
| Average equity | $11,320,250 | 4,728 |
| Average total loans | $41,632,750 | 5,660 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6137% | 7,090 |
| Cost of funding earning assets | 0.6417% | 6,264 |
| Net interest margin | 2.9720% | 6,656 |
| Noninterest income to average assets | 0.2446% | 5,897 |
| Noninterest expense to average assets | 2.7474% | 4,636 |
| Loan and lease loss provision to assets | 0.0627% | 5,514 |
| Net operating income to assets | 0.2174% | 5,675 |
| Return on assets (ROA) | 0.2174% | 5,791 |
| Pretax return on assets | 0.2718% | 5,741 |
| Return on Equity (ROE) | 1.8296% | 5,854 |
| Retained earnings to average equity (ytd only) | 1.8296% | 5,072 |
| Net charge-offs to loans | 0.1371% | 4,374 |
| Credit loss provision to net charge-offs | 103.4483% | 2,987 |
| Earnings coverage of net charge-offs (x) | 5.5172% | 2,601 |
| Efficiency ratio | 89.1452% | 1,308 |
| Assets per employee ($millions) | 2.6134% | 6,770 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7842% | 3,046 |
| Loan loss allowance to noncurrent loans | 541.1765% | 618 |
| Noncurrent assets plus other real estate owned to assets | 0.2795% | 6,434 |
| Noncurrent loans to loans | 0.3297% | 6,254 |
| Net loans and leases to total assets | 43.0630% | 6,518 |
| Net loans and leases to deposits | 49.1944% | 6,657 |
| Net loans and leases to core deposits | 49.1944% | 6,802 |
| Total domestic deposits to total assets | 87.5365% | 2,449 |
| Equity capital to assets | 12.2381% | 1,943 |
| Core capital (leverage) ratio | 11.8270% | 1,703 |
| Tier 1 risk-based capital ratio | 22.7279% | 1,160 |
| Total risk-based capital ratio | 23.9805% | 1,144 |
| Memoranda: | ||
| Average total assets | $95,654,330 | 5,084 |
| Average earning assets | $91,320,000 | 4,954 |
| Average equity | $11,368,670 | 4,724 |
| Average total loans | $42,296,000 | 5,692 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5947% | 7,143 |
| Cost of funding earning assets | 0.6764% | 6,264 |
| Net interest margin | 2.9183% | 6,730 |
| Noninterest income to average assets | 0.2447% | 5,944 |
| Noninterest expense to average assets | 2.7167% | 4,771 |
| Loan and lease loss provision to assets | 0.0747% | 5,066 |
| Net operating income to assets | 0.1949% | 5,799 |
| Return on assets (ROA) | 0.1949% | 5,858 |
| Pretax return on assets | 0.2447% | 5,825 |
| Return on Equity (ROE) | 1.6643% | 5,926 |
| Retained earnings to average equity (ytd only) | 1.6643% | 5,123 |
| Net charge-offs to loans | 0.1588% | 3,532 |
| Credit loss provision to net charge-offs | 105.8824% | 2,515 |
| Earnings coverage of net charge-offs (x) | 4.5294% | 2,456 |
| Efficiency ratio | 89.4809% | 1,377 |
| Assets per employee ($millions) | 2.7049% | 6,686 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7366% | 3,223 |
| Loan loss allowance to noncurrent loans | 593.5484% | 565 |
| Noncurrent assets plus other real estate owned to assets | 0.1581% | 6,768 |
| Noncurrent loans to loans | 0.2926% | 6,400 |
| Net loans and leases to total assets | 42.7674% | 6,559 |
| Net loans and leases to deposits | 48.5034% | 6,721 |
| Net loans and leases to core deposits | 48.6456% | 6,848 |
| Total domestic deposits to total assets | 88.1739% | 2,274 |
| Equity capital to assets | 11.6659% | 2,144 |
| Core capital (leverage) ratio | 11.7453% | 1,706 |
| Tier 1 risk-based capital ratio | 22.2001% | 1,197 |
| Total risk-based capital ratio | 23.4532% | 1,170 |
| Memoranda: | ||
| Average total assets | $96,440,000 | 5,097 |
| Average earning assets | $92,247,000 | 4,962 |
| Average equity | $11,296,000 | 4,719 |
| Average total loans | $42,818,500 | 5,713 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8466% | 7,231 |
| Cost of funding earning assets | 0.9288% | 6,037 |
| Net interest margin | 2.9177% | 6,870 |
| Noninterest income to average assets | 0.2366% | 6,108 |
| Noninterest expense to average assets | 2.8126% | 4,551 |
| Loan and lease loss provision to assets | 0.0050% | 7,021 |
| Net operating income to assets | 0.1641% | 5,395 |
| Return on assets (ROA) | 0.1650% | 5,552 |
| Pretax return on assets | 0.1839% | 5,523 |
| Return on Equity (ROE) | 1.4707% | 5,571 |
| Retained earnings to average equity (ytd only) | 0.8063% | 5,150 |
| Net charge-offs to loans | -0.0244% | 7,382 |
| Credit loss provision to net charge-offs | -45.4545% | 7,000 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.7376% | 1,074 |
| Assets per employee ($millions) | 2.6528% | 6,765 |
| Cash dividends to net income (ytd only)* | 45.1807% | 2,335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6992% | 3,219 |
| Loan loss allowance to noncurrent loans | 1,837.5000% | 224 |
| Noncurrent assets plus other real estate owned to assets | 0.0785% | 7,038 |
| Noncurrent loans to loans | 0.0925% | 6,899 |
| Net loans and leases to total assets | 44.5226% | 6,672 |
| Net loans and leases to deposits | 50.5462% | 6,826 |
| Net loans and leases to core deposits | 50.6975% | 6,955 |
| Total domestic deposits to total assets | 88.0830% | 2,200 |
| Equity capital to assets | 11.7610% | 2,071 |
| Core capital (leverage) ratio | 11.4866% | 1,842 |
| Tier 1 risk-based capital ratio | 21.7224% | 1,215 |
| Total risk-based capital ratio | 22.9746% | 1,190 |
| Memoranda: | ||
| Average total assets | $100,584,600 | 4,970 |
| Average earning assets | $95,279,400 | 4,858 |
| Average equity | $11,286,800 | 4,795 |
| Average total loans | $45,075,200 | 5,701 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8718% | 7,361 |
| Cost of funding earning assets | 0.9801% | 6,036 |
| Net interest margin | 2.8917% | 7,016 |
| Noninterest income to average assets | 0.2265% | 6,279 |
| Noninterest expense to average assets | 2.7057% | 4,855 |
| Loan and lease loss provision to assets | 0.0052% | 6,957 |
| Net operating income to assets | 0.1966% | 5,515 |
| Return on assets (ROA) | 0.1977% | 5,673 |
| Pretax return on assets | 0.2474% | 5,618 |
| Return on Equity (ROE) | 1.7816% | 5,685 |
| Retained earnings to average equity (ytd only) | 0.8967% | 5,446 |
| Net charge-offs to loans | -0.0234% | 7,374 |
| Credit loss provision to net charge-offs | -50.0000% | 6,877 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.5007% | 1,169 |
| Assets per employee ($millions) | 2.4588% | 7,120 |
| Cash dividends to net income (ytd only)* | 49.6697% | 1,636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6578% | 3,306 |
| Loan loss allowance to noncurrent loans | 2,215.1515% | 174 |
| Noncurrent assets plus other real estate owned to assets | 0.0336% | 7,277 |
| Noncurrent loans to loans | 0.0748% | 7,056 |
| Net loans and leases to total assets | 44.0905% | 6,835 |
| Net loans and leases to deposits | 50.0502% | 7,007 |
| Net loans and leases to core deposits | 50.3431% | 7,112 |
| Total domestic deposits to total assets | 88.0925% | 1,907 |
| Equity capital to assets | 11.6431% | 2,417 |
| Core capital (leverage) ratio | 11.2255% | 2,116 |
| Tier 1 risk-based capital ratio | 21.2508% | 1,320 |
| Total risk-based capital ratio | 22.5019% | 1,296 |
| Memoranda: | ||
| Average total assets | $101,855,250 | 4,994 |
| Average earning assets | $96,180,250 | 4,886 |
| Average equity | $11,300,500 | 4,856 |
| Average total loans | $45,530,250 | 5,763 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8818% | 7,441 |
| Cost of funding earning assets | 1.0486% | 5,920 |
| Net interest margin | 2.8332% | 7,103 |
| Noninterest income to average assets | 0.2155% | 6,382 |
| Noninterest expense to average assets | 2.7334% | 4,771 |
| Loan and lease loss provision to assets | 0.0019% | 6,851 |
| Net operating income to assets | 0.1246% | 5,794 |
| Return on assets (ROA) | 0.1262% | 5,895 |
| Pretax return on assets | 0.1572% | 5,871 |
| Return on Equity (ROE) | 1.1555% | 5,899 |
| Retained earnings to average equity (ytd only) | 1.1555% | 5,289 |
| Net charge-offs to loans | -0.0435% | 7,422 |
| Credit loss provision to net charge-offs | -10.0000% | 6,598 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.5601% | 1,036 |
| Assets per employee ($millions) | 2.4258% | 7,199 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6288% | 3,323 |
| Loan loss allowance to noncurrent loans | 182.0449% | 1,551 |
| Noncurrent assets plus other real estate owned to assets | 0.5992% | 5,994 |
| Noncurrent loans to loans | 0.8947% | 5,483 |
| Net loans and leases to total assets | 44.3268% | 6,893 |
| Net loans and leases to deposits | 50.0875% | 7,066 |
| Net loans and leases to core deposits | 50.3754% | 7,196 |
| Total domestic deposits to total assets | 88.4988% | 1,731 |
| Equity capital to assets | 11.3695% | 2,544 |
| Core capital (leverage) ratio | 10.9813% | 2,258 |
| Tier 1 risk-based capital ratio | 20.8713% | 1,363 |
| Total risk-based capital ratio | 22.1235% | 1,335 |
| Memoranda: | ||
| Average total assets | $103,023,670 | 4,991 |
| Average earning assets | $97,275,670 | 4,898 |
| Average equity | $11,250,330 | 4,868 |
| Average total loans | $46,009,000 | 5,759 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8826% | 7,533 |
| Cost of funding earning assets | 1.1850% | 5,485 |
| Net interest margin | 2.6976% | 7,306 |
| Noninterest income to average assets | 0.1985% | 6,543 |
| Noninterest expense to average assets | 2.7708% | 4,601 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | -0.0267% | 6,342 |
| Return on assets (ROA) | -0.0267% | 6,431 |
| Pretax return on assets | -0.0267% | 6,388 |
| Return on Equity (ROE) | -0.2495% | 6,438 |
| Retained earnings to average equity (ytd only) | -0.2495% | 5,885 |
| Net charge-offs to loans | -0.0172% | 7,032 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.9736% | 807 |
| Assets per employee ($millions) | 2.4647% | 7,246 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5628% | 3,609 |
| Loan loss allowance to noncurrent loans | 419.1860% | 760 |
| Noncurrent assets plus other real estate owned to assets | 0.3545% | 6,588 |
| Noncurrent loans to loans | 0.3728% | 6,546 |
| Net loans and leases to total assets | 43.8720% | 7,004 |
| Net loans and leases to deposits | 49.2800% | 7,166 |
| Net loans and leases to core deposits | 49.5499% | 7,299 |
| Total domestic deposits to total assets | 89.0260% | 1,502 |
| Equity capital to assets | 10.8378% | 2,918 |
| Core capital (leverage) ratio | 10.7434% | 2,423 |
| Tier 1 risk-based capital ratio | 20.0920% | 1,505 |
| Total risk-based capital ratio | 21.3426% | 1,476 |
| Memoranda: | ||
| Average total assets | $104,806,000 | 5,016 |
| Average earning assets | $98,902,500 | 4,907 |
| Average equity | $11,221,500 | 4,920 |
| Average total loans | $46,605,000 | 5,813 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4445% | 7,438 |
| Cost of funding earning assets | 1.6291% | 4,895 |
| Net interest margin | 2.8154% | 7,035 |
| Noninterest income to average assets | 0.2320% | 6,454 |
| Noninterest expense to average assets | 2.9241% | 4,445 |
| Loan and lease loss provision to assets | -0.1916% | 7,996 |
| Net operating income to assets | 0.0454% | 5,351 |
| Return on assets (ROA) | 0.0454% | 5,406 |
| Pretax return on assets | 0.1422% | 5,131 |
| Return on Equity (ROE) | 0.3010% | 5,440 |
| Retained earnings to average equity (ytd only) | -30.2747% | 7,392 |
| Net charge-offs to loans | 0.0892% | 6,232 |
| Credit loss provision to net charge-offs | -463.4146% | 7,421 |
| Earnings coverage of net charge-offs (x) | -1.1951% | 6,916 |
| Efficiency ratio | 101.7193% | 1,021 |
| Assets per employee ($millions) | 2.4673% | 7,253 |
| Cash dividends to net income (ytd only)* | 10,157.7778% | 2 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5274% | 3,589 |
| Loan loss allowance to noncurrent loans | 817.0455% | 422 |
| Noncurrent assets plus other real estate owned to assets | 0.2649% | 6,789 |
| Noncurrent loans to loans | 0.1869% | 6,955 |
| Net loans and leases to total assets | 43.6920% | 7,137 |
| Net loans and leases to deposits | 48.9498% | 7,315 |
| Net loans and leases to core deposits | 53.3092% | 7,493 |
| Total domestic deposits to total assets | 89.2587% | 1,347 |
| Equity capital to assets | 10.5792% | 3,093 |
| Core capital (leverage) ratio | 10.7439% | 2,392 |
| Tier 1 risk-based capital ratio | 19.5436% | 1,556 |
| Total risk-based capital ratio | 20.7941% | 1,512 |
| Memoranda: | ||
| Average total assets | $99,142,400 | 5,106 |
| Average earning assets | $93,059,800 | 5,033 |
| Average equity | $14,949,800 | 4,070 |
| Average total loans | $45,940,000 | 5,840 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5802% | 7,435 |
| Cost of funding earning assets | 1.6658% | 5,081 |
| Net interest margin | 2.9144% | 6,823 |
| Noninterest income to average assets | 0.1821% | 6,923 |
| Noninterest expense to average assets | 2.7842% | 4,955 |
| Loan and lease loss provision to assets | -0.2710% | 8,084 |
| Net operating income to assets | 0.3230% | 4,706 |
| Return on assets (ROA) | 0.3230% | 4,813 |
| Pretax return on assets | 0.4038% | 4,794 |
| Return on Equity (ROE) | 1.9813% | 5,166 |
| Retained earnings to average equity (ytd only) | 1.1334% | 4,688 |
| Net charge-offs to loans | 0.2073% | 4,746 |
| Credit loss provision to net charge-offs | -278.8732% | 7,239 |
| Earnings coverage of net charge-offs (x) | 1.3663% | 4,757 |
| Efficiency ratio | 95.4481% | 1,307 |
| Assets per employee ($millions) | 2.3370% | 7,460 |
| Cash dividends to net income (ytd only)* | 42.7954% | 2,328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5044% | 3,411 |
| Loan loss allowance to noncurrent loans | 4,864.2857% | 84 |
| Noncurrent assets plus other real estate owned to assets | 0.5354% | 6,122 |
| Noncurrent loans to loans | 0.0309% | 7,439 |
| Net loans and leases to total assets | 44.3672% | 7,220 |
| Net loans and leases to deposits | 52.8659% | 7,269 |
| Net loans and leases to core deposits | 58.2788% | 7,455 |
| Total domestic deposits to total assets | 83.9239% | 3,755 |
| Equity capital to assets | 15.9079% | 805 |
| Core capital (leverage) ratio | 15.6946% | 729 |
| Tier 1 risk-based capital ratio | 28.6260% | 642 |
| Total risk-based capital ratio | 29.8756% | 627 |
| Memoranda: | ||
| Average total assets | $97,404,250 | 5,196 |
| Average earning assets | $91,406,000 | 5,112 |
| Average equity | $15,881,250 | 3,932 |
| Average total loans | $45,656,500 | 5,900 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6945% | 7,399 |
| Cost of funding earning assets | 1.6761% | 5,384 |
| Net interest margin | 3.0183% | 6,490 |
| Noninterest income to average assets | 0.1743% | 7,047 |
| Noninterest expense to average assets | 2.7683% | 5,098 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.1909% | 5,296 |
| Return on assets (ROA) | 0.1909% | 5,373 |
| Pretax return on assets | 0.2387% | 5,356 |
| Return on Equity (ROE) | 1.1612% | 5,588 |
| Retained earnings to average equity (ytd only) | 1.1612% | 4,691 |
| Net charge-offs to loans | -0.0218% | 7,713 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.0635% | 1,634 |
| Assets per employee ($millions) | 2.2800% | 7,582 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1129% | 1,371 |
| Loan loss allowance to noncurrent loans | 227.9236% | 1,340 |
| Noncurrent assets plus other real estate owned to assets | 0.4274% | 6,390 |
| Noncurrent loans to loans | 0.9270% | 5,364 |
| Net loans and leases to total assets | 45.1294% | 7,254 |
| Net loans and leases to deposits | 53.8713% | 7,276 |
| Net loans and leases to core deposits | 59.2884% | 7,475 |
| Total domestic deposits to total assets | 83.7726% | 3,884 |
| Equity capital to assets | 16.0499% | 812 |
| Core capital (leverage) ratio | 16.0421% | 738 |
| Tier 1 risk-based capital ratio | 29.0305% | 666 |
| Total risk-based capital ratio | 30.2866% | 642 |
| Memoranda: | ||
| Average total assets | $96,375,330 | 5,271 |
| Average earning assets | $90,447,000 | 5,182 |
| Average equity | $15,846,330 | 3,949 |
| Average total loans | $45,786,670 | 5,940 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7640% | 7,421 |
| Cost of funding earning assets | 1.6694% | 5,743 |
| Net interest margin | 3.0946% | 6,216 |
| Noninterest income to average assets | 0.1842% | 6,977 |
| Noninterest expense to average assets | 2.8343% | 4,404 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.2135% | 5,618 |
| Return on assets (ROA) | 0.2135% | 5,779 |
| Pretax return on assets | 0.2679% | 5,765 |
| Return on Equity (ROE) | 1.2829% | 6,041 |
| Retained earnings to average equity (ytd only) | 1.2829% | 5,121 |
| Net charge-offs to loans | -0.0260% | 7,514 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.3630% | 1,627 |
| Assets per employee ($millions) | 2.2374% | 7,667 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0913% | 1,253 |
| Loan loss allowance to noncurrent loans | 162.6280% | 1,991 |
| Noncurrent assets plus other real estate owned to assets | 0.6091% | 5,663 |
| Noncurrent loans to loans | 1.2859% | 4,404 |
| Net loans and leases to total assets | 46.3746% | 7,167 |
| Net loans and leases to deposits | 55.5014% | 7,184 |
| Net loans and leases to core deposits | 60.7563% | 7,426 |
| Total domestic deposits to total assets | 83.5558% | 3,898 |
| Equity capital to assets | 16.2655% | 827 |
| Core capital (leverage) ratio | 16.4209% | 724 |
| Tier 1 risk-based capital ratio | 29.0586% | 682 |
| Total risk-based capital ratio | 30.3155% | 665 |
| Memoranda: | ||
| Average total assets | $95,544,000 | 5,315 |
| Average earning assets | $90,092,500 | 5,218 |
| Average equity | $15,902,000 | 3,961 |
| Average total loans | $46,080,500 | 5,958 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4065% | 7,449 |
| Cost of funding earning assets | 1.8355% | 6,912 |
| Net interest margin | 3.5710% | 5,006 |
| Noninterest income to average assets | 0.2120% | 6,923 |
| Noninterest expense to average assets | 3.2360% | 3,204 |
| Loan and lease loss provision to assets | 0.0650% | 6,580 |
| Net operating income to assets | 0.2333% | 5,745 |
| Return on assets (ROA) | 0.2333% | 5,572 |
| Pretax return on assets | 0.2972% | 5,519 |
| Return on Equity (ROE) | 1.3680% | 5,809 |
| Retained earnings to average equity (ytd only) | 0.6684% | 4,834 |
| Net charge-offs to loans | 0.1067% | 5,223 |
| Credit loss provision to net charge-offs | 124.4898% | 4,300 |
| Earnings coverage of net charge-offs (x) | 6.9388% | 3,230 |
| Efficiency ratio | 89.9349% | 1,520 |
| Assets per employee ($millions) | 2.2065% | 7,694 |
| Cash dividends to net income (ytd only)* | 51.1416% | 3,070 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0390% | 1,157 |
| Loan loss allowance to noncurrent loans | 274.5665% | 1,465 |
| Noncurrent assets plus other real estate owned to assets | 0.3647% | 6,144 |
| Noncurrent loans to loans | 0.7426% | 5,173 |
| Net loans and leases to total assets | 48.1049% | 7,179 |
| Net loans and leases to deposits | 58.2000% | 7,197 |
| Net loans and leases to core deposits | 63.5545% | 7,460 |
| Total domestic deposits to total assets | 82.6546% | 3,920 |
| Equity capital to assets | 17.0271% | 780 |
| Core capital (leverage) ratio | 16.4412% | 767 |
| Tier 1 risk-based capital ratio | 28.6782% | 721 |
| Total risk-based capital ratio | 29.9354% | 710 |
| Memoranda: | ||
| Average total assets | $93,880,600 | 5,227 |
| Average earning assets | $89,023,200 | 5,116 |
| Average equity | $16,008,600 | 3,928 |
| Average total loans | $45,921,600 | 5,879 |