Home > The Washington Savings Bank, FSB > Performance and Condition Ratios
The Washington Savings Bank, FSB, 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 | 3.8895% | 4,513 |
| Cost of funding earning assets | 1.1245% | 327 |
| Net interest margin | 2.7649% | 6,103 |
| Noninterest income to average assets | 1.0411% | 1,366 |
| Noninterest expense to average assets | 3.5508% | 1,518 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.0209% | 6,309 |
| Return on assets (ROA) | 0.0209% | 6,388 |
| Pretax return on assets | -0.0500% | 6,445 |
| Return on Equity (ROE) | 0.1367% | 6,401 |
| Retained earnings to average equity (ytd only) | 0.1367% | 5,737 |
| Net charge-offs to loans | 0.7456% | 815 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | -0.1208% | 3,856 |
| Efficiency ratio | 101.4271% | 500 |
| Assets per employee ($millions) | 3.3185% | 5,398 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5127% | 3,767 |
| Loan loss allowance to noncurrent loans | 13.0352% | 6,471 |
| Noncurrent assets plus other real estate owned to assets | 7.9868% | 314 |
| Noncurrent loans to loans | 11.6044% | 144 |
| Net loans and leases to total assets | 54.8384% | 4,269 |
| Net loans and leases to deposits | 82.0043% | 1,829 |
| Net loans and leases to core deposits | 90.2992% | 1,675 |
| Total domestic deposits to total assets | 66.8726% | 6,831 |
| Equity capital to assets | 15.8625% | 581 |
| Core capital (leverage) ratio | 14.0085% | 797 |
| Tier 1 risk-based capital ratio | 23.2120% | 1,121 |
| Total risk-based capital ratio | 24.0254% | 1,172 |
| Memoranda: | ||
| Average total assets | $344,261,000 | 1,914 |
| Average earning assets | $306,264,000 | 1,972 |
| Average equity | $52,687,500 | 1,377 |
| Average total loans | $190,985,000 | 2,098 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7222% | 2,510 |
| Cost of funding earning assets | 1.4117% | 244 |
| Net interest margin | 3.3105% | 5,208 |
| Noninterest income to average assets | 1.0150% | 1,492 |
| Noninterest expense to average assets | 3.5768% | 1,666 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.2557% | 5,616 |
| Return on assets (ROA) | 0.3716% | 5,445 |
| Pretax return on assets | 0.5451% | 5,149 |
| Return on Equity (ROE) | 2.6505% | 5,691 |
| Retained earnings to average equity (ytd only) | 2.6505% | 4,367 |
| Net charge-offs to loans | 1.4541% | 624 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 0.4692% | 5,254 |
| Efficiency ratio | 90.5199% | 1,020 |
| Assets per employee ($millions) | 3.4629% | 5,085 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5979% | 3,324 |
| Loan loss allowance to noncurrent loans | 15.9690% | 6,474 |
| Noncurrent assets plus other real estate owned to assets | 6.9851% | 443 |
| Noncurrent loans to loans | 10.0063% | 234 |
| Net loans and leases to total assets | 54.4037% | 4,565 |
| Net loans and leases to deposits | 82.8664% | 1,898 |
| Net loans and leases to core deposits | 90.7656% | 1,743 |
| Total domestic deposits to total assets | 65.6523% | 6,905 |
| Equity capital to assets | 14.7854% | 792 |
| Core capital (leverage) ratio | 13.0428% | 1,104 |
| Tier 1 risk-based capital ratio | 22.6393% | 1,164 |
| Total risk-based capital ratio | 23.6134% | 1,178 |
| Memoranda: | ||
| Average total assets | $372,397,000 | 1,748 |
| Average earning assets | $330,315,400 | 1,789 |
| Average equity | $52,217,000 | 1,364 |
| Average total loans | $204,451,800 | 1,973 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8373% | 2,253 |
| Cost of funding earning assets | 1.4669% | 231 |
| Net interest margin | 3.3704% | 5,137 |
| Noninterest income to average assets | 0.8932% | 1,854 |
| Noninterest expense to average assets | 3.4760% | 1,816 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.2815% | 5,675 |
| Return on assets (ROA) | 0.2505% | 5,971 |
| Pretax return on assets | 0.3596% | 5,815 |
| Return on Equity (ROE) | 1.8097% | 6,075 |
| Retained earnings to average equity (ytd only) | 1.8097% | 5,431 |
| Net charge-offs to loans | 1.7925% | 439 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 0.4111% | 5,121 |
| Efficiency ratio | 89.5900% | 1,071 |
| Assets per employee ($millions) | 3.6197% | 4,717 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6971% | 3,166 |
| Loan loss allowance to noncurrent loans | 23.3649% | 6,400 |
| Noncurrent assets plus other real estate owned to assets | 5.1627% | 849 |
| Noncurrent loans to loans | 7.2635% | 492 |
| Net loans and leases to total assets | 52.0619% | 5,036 |
| Net loans and leases to deposits | 77.4969% | 2,730 |
| Net loans and leases to core deposits | 84.2215% | 2,668 |
| Total domestic deposits to total assets | 67.1794% | 6,947 |
| Equity capital to assets | 14.2195% | 1,071 |
| Core capital (leverage) ratio | 12.2831% | 1,502 |
| Tier 1 risk-based capital ratio | 22.5041% | 1,249 |
| Total risk-based capital ratio | 23.5880% | 1,254 |
| Memoranda: | ||
| Average total assets | $376,327,250 | 1,751 |
| Average earning assets | $333,482,250 | 1,798 |
| Average equity | $52,087,250 | 1,373 |
| Average total loans | $206,265,750 | 1,973 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8736% | 2,214 |
| Cost of funding earning assets | 1.4930% | 245 |
| Net interest margin | 3.3806% | 5,161 |
| Noninterest income to average assets | 0.8175% | 2,105 |
| Noninterest expense to average assets | 3.4544% | 1,897 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.2545% | 5,754 |
| Return on assets (ROA) | 0.3115% | 5,786 |
| Pretax return on assets | 0.4726% | 5,510 |
| Return on Equity (ROE) | 2.2712% | 5,958 |
| Retained earnings to average equity (ytd only) | 2.2712% | 5,059 |
| Net charge-offs to loans | 2.4608% | 292 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 0.2832% | 4,938 |
| Efficiency ratio | 89.9434% | 1,074 |
| Assets per employee ($millions) | 3.5509% | 4,867 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7715% | 2,950 |
| Loan loss allowance to noncurrent loans | 30.0085% | 6,156 |
| Noncurrent assets plus other real estate owned to assets | 4.5706% | 1,076 |
| Noncurrent loans to loans | 5.9033% | 760 |
| Net loans and leases to total assets | 52.7968% | 4,989 |
| Net loans and leases to deposits | 78.4074% | 2,612 |
| Net loans and leases to core deposits | 85.0981% | 2,546 |
| Total domestic deposits to total assets | 67.3365% | 7,018 |
| Equity capital to assets | 14.0647% | 1,071 |
| Core capital (leverage) ratio | 12.1518% | 1,516 |
| Tier 1 risk-based capital ratio | 21.7056% | 1,348 |
| Total risk-based capital ratio | 22.9545% | 1,326 |
| Memoranda: | ||
| Average total assets | $377,494,000 | 1,747 |
| Average earning assets | $337,576,000 | 1,780 |
| Average equity | $51,778,330 | 1,372 |
| Average total loans | $209,203,670 | 1,949 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9586% | 2,041 |
| Cost of funding earning assets | 1.5420% | 239 |
| Net interest margin | 3.4167% | 5,044 |
| Noninterest income to average assets | 0.7519% | 2,390 |
| Noninterest expense to average assets | 3.4174% | 1,960 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.2503% | 5,822 |
| Return on assets (ROA) | 0.3591% | 5,619 |
| Pretax return on assets | 0.5518% | 5,272 |
| Return on Equity (ROE) | 2.6512% | 5,846 |
| Retained earnings to average equity (ytd only) | 2.6512% | 4,933 |
| Net charge-offs to loans | 4.3725% | 127 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 0.1563% | 4,292 |
| Efficiency ratio | 89.8892% | 1,107 |
| Assets per employee ($millions) | 3.6118% | 4,853 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8203% | 2,925 |
| Loan loss allowance to noncurrent loans | 29.1305% | 6,219 |
| Noncurrent assets plus other real estate owned to assets | 4.9961% | 1,044 |
| Noncurrent loans to loans | 6.2489% | 780 |
| Net loans and leases to total assets | 54.4049% | 4,653 |
| Net loans and leases to deposits | 80.1642% | 2,180 |
| Net loans and leases to core deposits | 89.0198% | 1,951 |
| Total domestic deposits to total assets | 67.8668% | 7,055 |
| Equity capital to assets | 13.7023% | 1,142 |
| Core capital (leverage) ratio | 11.9653% | 1,608 |
| Tier 1 risk-based capital ratio | 20.6247% | 1,558 |
| Total risk-based capital ratio | 21.8795% | 1,535 |
| Memoranda: | ||
| Average total assets | $379,820,500 | 1,744 |
| Average earning assets | $339,044,000 | 1,783 |
| Average equity | $51,448,000 | 1,377 |
| Average total loans | $213,606,500 | 1,921 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2538% | 1,851 |
| Cost of funding earning assets | 1.7236% | 297 |
| Net interest margin | 3.5302% | 5,023 |
| Noninterest income to average assets | 0.7197% | 2,496 |
| Noninterest expense to average assets | 3.3607% | 2,336 |
| Loan and lease loss provision to assets | 0.0512% | 5,951 |
| Net operating income to assets | 0.2909% | 5,285 |
| Return on assets (ROA) | 0.3830% | 5,111 |
| Pretax return on assets | 0.6062% | 4,672 |
| Return on Equity (ROE) | 2.9857% | 5,288 |
| Retained earnings to average equity (ytd only) | 2.9857% | 4,105 |
| Net charge-offs to loans | 0.6641% | 2,497 |
| Credit loss provision to net charge-offs | 13.0039% | 5,990 |
| Earnings coverage of net charge-offs (x) | 1.3043% | 4,801 |
| Efficiency ratio | 86.7442% | 1,475 |
| Assets per employee ($millions) | 3.6572% | 4,646 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4557% | 4,208 |
| Loan loss allowance to noncurrent loans | 29.9887% | 6,202 |
| Noncurrent assets plus other real estate owned to assets | 4.0246% | 1,428 |
| Noncurrent loans to loans | 4.8543% | 1,189 |
| Net loans and leases to total assets | 56.2156% | 4,663 |
| Net loans and leases to deposits | 87.2162% | 1,485 |
| Net loans and leases to core deposits | 95.9014% | 1,500 |
| Total domestic deposits to total assets | 64.4554% | 7,168 |
| Equity capital to assets | 13.3918% | 1,324 |
| Core capital (leverage) ratio | 11.6051% | 1,820 |
| Tier 1 risk-based capital ratio | 19.6348% | 1,718 |
| Total risk-based capital ratio | 20.8873% | 1,684 |
| Memoranda: | ||
| Average total assets | $390,603,200 | 1,656 |
| Average earning assets | $349,042,200 | 1,696 |
| Average equity | $50,105,400 | 1,360 |
| Average total loans | $231,598,800 | 1,798 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2958% | 1,880 |
| Cost of funding earning assets | 1.7552% | 312 |
| Net interest margin | 3.5406% | 5,018 |
| Noninterest income to average assets | 0.7176% | 2,490 |
| Noninterest expense to average assets | 3.3865% | 2,229 |
| Loan and lease loss provision to assets | 0.0680% | 5,601 |
| Net operating income to assets | 0.2735% | 5,491 |
| Return on assets (ROA) | 0.3933% | 5,214 |
| Pretax return on assets | 0.6067% | 4,789 |
| Return on Equity (ROE) | 3.0992% | 5,373 |
| Retained earnings to average equity (ytd only) | 3.0992% | 4,479 |
| Net charge-offs to loans | 0.7128% | 2,129 |
| Credit loss provision to net charge-offs | 15.9363% | 5,610 |
| Earnings coverage of net charge-offs (x) | 1.1498% | 4,758 |
| Efficiency ratio | 87.3488% | 1,405 |
| Assets per employee ($millions) | 3.4088% | 5,227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5514% | 3,883 |
| Loan loss allowance to noncurrent loans | 29.8590% | 6,261 |
| Noncurrent assets plus other real estate owned to assets | 4.5853% | 1,298 |
| Noncurrent loans to loans | 5.1957% | 1,176 |
| Net loans and leases to total assets | 58.2297% | 4,469 |
| Net loans and leases to deposits | 88.5674% | 1,366 |
| Net loans and leases to core deposits | 98.6814% | 1,369 |
| Total domestic deposits to total assets | 65.7462% | 7,204 |
| Equity capital to assets | 13.4877% | 1,373 |
| Core capital (leverage) ratio | 11.6447% | 1,923 |
| Tier 1 risk-based capital ratio | 19.4317% | 1,832 |
| Total risk-based capital ratio | 20.6856% | 1,804 |
| Memoranda: | ||
| Average total assets | $392,251,250 | 1,665 |
| Average earning assets | $350,030,500 | 1,701 |
| Average equity | $49,775,250 | 1,374 |
| Average total loans | $234,732,750 | 1,797 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2443% | 2,081 |
| Cost of funding earning assets | 1.7878% | 325 |
| Net interest margin | 3.4565% | 5,334 |
| Noninterest income to average assets | 0.6773% | 2,666 |
| Noninterest expense to average assets | 3.4469% | 2,127 |
| Loan and lease loss provision to assets | 0.0504% | 5,680 |
| Net operating income to assets | 0.1920% | 5,762 |
| Return on assets (ROA) | 0.3422% | 5,341 |
| Pretax return on assets | 0.4752% | 5,154 |
| Return on Equity (ROE) | 2.7515% | 5,500 |
| Retained earnings to average equity (ytd only) | 2.7515% | 4,530 |
| Net charge-offs to loans | 0.4824% | 2,654 |
| Credit loss provision to net charge-offs | 17.3913% | 5,171 |
| Earnings coverage of net charge-offs (x) | 1.0939% | 4,458 |
| Efficiency ratio | 91.5785% | 1,124 |
| Assets per employee ($millions) | 3.6350% | 4,602 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7809% | 3,057 |
| Loan loss allowance to noncurrent loans | 25.6293% | 6,489 |
| Noncurrent assets plus other real estate owned to assets | 5.3197% | 1,133 |
| Noncurrent loans to loans | 6.9488% | 748 |
| Net loans and leases to total assets | 57.4545% | 4,732 |
| Net loans and leases to deposits | 86.5055% | 1,715 |
| Net loans and leases to core deposits | 99.0651% | 1,430 |
| Total domestic deposits to total assets | 66.4171% | 7,251 |
| Equity capital to assets | 12.8462% | 1,599 |
| Core capital (leverage) ratio | 11.0782% | 2,188 |
| Tier 1 risk-based capital ratio | 18.5394% | 1,997 |
| Total risk-based capital ratio | 19.7961% | 1,952 |
| Memoranda: | ||
| Average total assets | $396,874,670 | 1,656 |
| Average earning assets | $354,407,000 | 1,689 |
| Average equity | $49,355,330 | 1,369 |
| Average total loans | $238,376,330 | 1,789 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2253% | 2,137 |
| Cost of funding earning assets | 1.8290% | 339 |
| Net interest margin | 3.3963% | 5,443 |
| Noninterest income to average assets | 0.6646% | 2,761 |
| Noninterest expense to average assets | 3.4977% | 2,008 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.1549% | 5,925 |
| Return on assets (ROA) | 0.2974% | 5,489 |
| Pretax return on assets | 0.3792% | 5,397 |
| Return on Equity (ROE) | 2.4301% | 5,624 |
| Retained earnings to average equity (ytd only) | 2.4301% | 4,693 |
| Net charge-offs to loans | 1.0254% | 1,328 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 0.3152% | 4,378 |
| Efficiency ratio | 94.6786% | 1,002 |
| Assets per employee ($millions) | 3.2881% | 5,509 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6620% | 3,480 |
| Loan loss allowance to noncurrent loans | 23.6872% | 6,620 |
| Noncurrent assets plus other real estate owned to assets | 5.4936% | 1,104 |
| Noncurrent loans to loans | 7.0163% | 788 |
| Net loans and leases to total assets | 56.6262% | 4,884 |
| Net loans and leases to deposits | 82.0872% | 2,348 |
| Net loans and leases to core deposits | 99.3836% | 1,392 |
| Total domestic deposits to total assets | 68.9830% | 7,229 |
| Equity capital to assets | 12.1027% | 1,857 |
| Core capital (leverage) ratio | 10.3940% | 2,709 |
| Tier 1 risk-based capital ratio | 17.4623% | 2,311 |
| Total risk-based capital ratio | 18.7172% | 2,273 |
| Memoranda: | ||
| Average total assets | $400,838,000 | 1,650 |
| Average earning assets | $357,568,500 | 1,685 |
| Average equity | $49,050,500 | 1,360 |
| Average total loans | $243,804,500 | 1,765 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6152% | 1,838 |
| Cost of funding earning assets | 2.2723% | 233 |
| Net interest margin | 3.3429% | 5,823 |
| Noninterest income to average assets | 0.3955% | 4,938 |
| Noninterest expense to average assets | 3.7192% | 1,657 |
| Loan and lease loss provision to assets | 0.8179% | 2,002 |
| Net operating income to assets | -0.6146% | 6,461 |
| Return on assets (ROA) | -0.8904% | 6,653 |
| Pretax return on assets | -1.5637% | 6,876 |
| Return on Equity (ROE) | -7.9104% | 6,617 |
| Retained earnings to average equity (ytd only) | -7.9104% | 6,528 |
| Net charge-offs to loans | 1.1425% | 1,951 |
| Credit loss provision to net charge-offs | 118.2075% | 3,605 |
| Earnings coverage of net charge-offs (x) | -0.4552% | 6,431 |
| Efficiency ratio | 109.2513% | 548 |
| Assets per employee ($millions) | 3.0539% | 5,991 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7906% | 2,893 |
| Loan loss allowance to noncurrent loans | 20.8848% | 6,774 |
| Noncurrent assets plus other real estate owned to assets | 7.0395% | 770 |
| Noncurrent loans to loans | 8.5735% | 573 |
| Net loans and leases to total assets | 63.0284% | 4,064 |
| Net loans and leases to deposits | 92.6354% | 1,186 |
| Net loans and leases to core deposits | 115.1003% | 671 |
| Total domestic deposits to total assets | 68.0392% | 7,322 |
| Equity capital to assets | 12.3760% | 1,708 |
| Core capital (leverage) ratio | 10.6878% | 2,385 |
| Tier 1 risk-based capital ratio | 17.1176% | 2,306 |
| Total risk-based capital ratio | 18.3754% | 2,272 |
| Memoranda: | ||
| Average total assets | $409,604,400 | 1,612 |
| Average earning assets | $368,660,800 | 1,633 |
| Average equity | $46,103,600 | 1,457 |
| Average total loans | $248,061,800 | 1,775 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7693% | 1,485 |
| Cost of funding earning assets | 2.3949% | 203 |
| Net interest margin | 3.3745% | 5,768 |
| Noninterest income to average assets | 0.2383% | 6,184 |
| Noninterest expense to average assets | 3.8914% | 1,216 |
| Loan and lease loss provision to assets | 1.0801% | 1,352 |
| Net operating income to assets | -0.9557% | 6,878 |
| Return on assets (ROA) | -1.3203% | 7,069 |
| Pretax return on assets | -2.2564% | 7,263 |
| Return on Equity (ROE) | -12.0153% | 7,015 |
| Retained earnings to average equity (ytd only) | -12.0153% | 6,976 |
| Net charge-offs to loans | 1.6953% | 1,159 |
| Credit loss provision to net charge-offs | 106.7219% | 4,008 |
| Earnings coverage of net charge-offs (x) | -0.5992% | 6,361 |
| Efficiency ratio | 118.4629% | 410 |
| Assets per employee ($millions) | 3.7178% | 4,466 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7767% | 2,864 |
| Loan loss allowance to noncurrent loans | 20.6677% | 6,879 |
| Noncurrent assets plus other real estate owned to assets | 7.0135% | 772 |
| Noncurrent loans to loans | 8.5967% | 572 |
| Net loans and leases to total assets | 60.9520% | 4,727 |
| Net loans and leases to deposits | 90.8491% | 1,603 |
| Net loans and leases to core deposits | 113.7679% | 847 |
| Total domestic deposits to total assets | 67.0915% | 7,423 |
| Equity capital to assets | 12.7151% | 1,739 |
| Core capital (leverage) ratio | 12.4109% | 1,457 |
| Tier 1 risk-based capital ratio | 18.8692% | 1,783 |
| Total risk-based capital ratio | 20.1252% | 1,745 |
| Memoranda: | ||
| Average total assets | $413,518,500 | 1,629 |
| Average earning assets | $373,344,000 | 1,638 |
| Average equity | $45,440,750 | 1,479 |
| Average total loans | $246,870,750 | 1,802 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7797% | 1,480 |
| Cost of funding earning assets | 2.5233% | 162 |
| Net interest margin | 3.2564% | 6,147 |
| Noninterest income to average assets | 0.0873% | 7,144 |
| Noninterest expense to average assets | 4.1141% | 908 |
| Loan and lease loss provision to assets | 1.1328% | 1,269 |
| Net operating income to assets | -1.2733% | 7,060 |
| Return on assets (ROA) | -0.9256% | 6,932 |
| Pretax return on assets | -1.6558% | 7,128 |
| Return on Equity (ROE) | -8.8418% | 6,924 |
| Retained earnings to average equity (ytd only) | -8.8418% | 6,858 |
| Net charge-offs to loans | 0.8802% | 2,074 |
| Credit loss provision to net charge-offs | 218.1818% | 1,786 |
| Earnings coverage of net charge-offs (x) | -2.0536% | 6,210 |
| Efficiency ratio | 134.9853% | 283 |
| Assets per employee ($millions) | 4.1471% | 3,494 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1472% | 1,873 |
| Loan loss allowance to noncurrent loans | 30.4582% | 6,336 |
| Noncurrent assets plus other real estate owned to assets | 5.9038% | 1,007 |
| Noncurrent loans to loans | 7.0495% | 803 |
| Net loans and leases to total assets | 58.9532% | 5,257 |
| Net loans and leases to deposits | 91.6357% | 1,591 |
| Net loans and leases to core deposits | 114.5096% | 896 |
| Total domestic deposits to total assets | 64.3343% | 7,571 |
| Equity capital to assets | 10.5913% | 3,294 |
| Core capital (leverage) ratio | 10.8508% | 2,367 |
| Tier 1 risk-based capital ratio | 15.9436% | 2,700 |
| Total risk-based capital ratio | 17.2035% | 2,656 |
| Memoranda: | ||
| Average total assets | $423,714,330 | 1,609 |
| Average earning assets | $385,210,000 | 1,607 |
| Average equity | $44,357,670 | 1,506 |
| Average total loans | $249,952,330 | 1,816 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6797% | 1,852 |
| Cost of funding earning assets | 2.6072% | 162 |
| Net interest margin | 3.0726% | 6,660 |
| Noninterest income to average assets | 0.0716% | 7,351 |
| Noninterest expense to average assets | 2.8372% | 4,333 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.2343% | 5,561 |
| Return on assets (ROA) | 0.3486% | 5,208 |
| Pretax return on assets | 0.1534% | 6,010 |
| Return on Equity (ROE) | 3.3486% | 5,189 |
| Retained earnings to average equity (ytd only) | 3.3486% | 4,148 |
| Net charge-offs to loans | 1.8595% | 930 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 0.0360% | 5,002 |
| Efficiency ratio | 98.6425% | 892 |
| Assets per employee ($millions) | 4.3915% | 3,145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1420% | 5,813 |
| Loan loss allowance to noncurrent loans | 12.6999% | 7,272 |
| Noncurrent assets plus other real estate owned to assets | 6.4190% | 897 |
| Noncurrent loans to loans | 8.9926% | 539 |
| Net loans and leases to total assets | 57.1832% | 5,572 |
| Net loans and leases to deposits | 93.8105% | 1,371 |
| Net loans and leases to core deposits | 121.9293% | 710 |
| Total domestic deposits to total assets | 60.9561% | 7,741 |
| Equity capital to assets | 10.5713% | 3,176 |
| Core capital (leverage) ratio | 10.8806% | 2,306 |
| Tier 1 risk-based capital ratio | 16.5318% | 2,435 |
| Total risk-based capital ratio | 17.6041% | 2,465 |
| Memoranda: | ||
| Average total assets | $430,290,000 | 1,620 |
| Average earning assets | $392,766,000 | 1,613 |
| Average equity | $44,794,500 | 1,501 |
| Average total loans | $251,253,000 | 1,859 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0742% | 1,589 |
| Cost of funding earning assets | 3.3618% | 75 |
| Net interest margin | 2.7124% | 7,196 |
| Noninterest income to average assets | 0.2368% | 6,404 |
| Noninterest expense to average assets | 2.5247% | 6,042 |
| Loan and lease loss provision to assets | 2.1398% | 986 |
| Net operating income to assets | -1.1860% | 6,700 |
| Return on assets (ROA) | -1.2479% | 6,739 |
| Pretax return on assets | -2.0406% | 6,956 |
| Return on Equity (ROE) | -12.4251% | 6,793 |
| Retained earnings to average equity (ytd only) | -12.4251% | 6,712 |
| Net charge-offs to loans | 3.8788% | 438 |
| Credit loss provision to net charge-offs | 96.1343% | 5,773 |
| Earnings coverage of net charge-offs (x) | 0.0880% | 6,070 |
| Efficiency ratio | 92.8007% | 1,500 |
| Assets per employee ($millions) | 4.8339% | 2,435 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5582% | 3,446 |
| Loan loss allowance to noncurrent loans | 17.2804% | 7,174 |
| Noncurrent assets plus other real estate owned to assets | 6.6285% | 812 |
| Noncurrent loans to loans | 9.0169% | 504 |
| Net loans and leases to total assets | 58.0211% | 5,662 |
| Net loans and leases to deposits | 97.7127% | 1,134 |
| Net loans and leases to core deposits | 111.9103% | 2,706 |
| Total domestic deposits to total assets | 59.3792% | 7,814 |
| Equity capital to assets | 10.2493% | 3,460 |
| Core capital (leverage) ratio | 10.7559% | 2,382 |
| Tier 1 risk-based capital ratio | 15.6896% | 2,645 |
| Total risk-based capital ratio | 16.9419% | 2,587 |
| Memoranda: | ||
| Average total assets | $441,632,600 | 1,575 |
| Average earning assets | $404,396,000 | 1,567 |
| Average equity | $44,353,800 | 1,507 |
| Average total loans | $253,430,600 | 1,873 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1410% | 1,521 |
| Cost of funding earning assets | 3.4776% | 76 |
| Net interest margin | 2.6634% | 7,275 |
| Noninterest income to average assets | 0.1884% | 6,868 |
| Noninterest expense to average assets | 2.5443% | 5,916 |
| Loan and lease loss provision to assets | 2.8047% | 554 |
| Net operating income to assets | -1.6440% | 7,172 |
| Return on assets (ROA) | -1.7260% | 7,206 |
| Pretax return on assets | -2.8473% | 7,461 |
| Return on Equity (ROE) | -17.2716% | 7,283 |
| Retained earnings to average equity (ytd only) | -17.2716% | 7,244 |
| Net charge-offs to loans | 4.2515% | 312 |
| Credit loss provision to net charge-offs | 115.7178% | 4,387 |
| Earnings coverage of net charge-offs (x) | 0.0353% | 6,016 |
| Efficiency ratio | 96.7492% | 1,230 |
| Assets per employee ($millions) | 4.3899% | 3,055 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1940% | 1,433 |
| Loan loss allowance to noncurrent loans | 23.2142% | 6,896 |
| Noncurrent assets plus other real estate owned to assets | 7.1345% | 662 |
| Noncurrent loans to loans | 9.4512% | 444 |
| Net loans and leases to total assets | 56.7953% | 6,057 |
| Net loans and leases to deposits | 96.3352% | 1,530 |
| Net loans and leases to core deposits | 114.4053% | 2,791 |
| Total domestic deposits to total assets | 58.9560% | 7,893 |
| Equity capital to assets | 10.0877% | 3,973 |
| Core capital (leverage) ratio | 10.5047% | 2,791 |
| Tier 1 risk-based capital ratio | 16.7725% | 2,341 |
| Total risk-based capital ratio | 18.0320% | 2,290 |
| Memoranda: | ||
| Average total assets | $444,486,750 | 1,574 |
| Average earning assets | $407,440,250 | 1,570 |
| Average equity | $44,418,750 | 1,529 |
| Average total loans | $253,396,500 | 1,897 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1735% | 1,548 |
| Cost of funding earning assets | 3.5251% | 105 |
| Net interest margin | 2.6484% | 7,298 |
| Noninterest income to average assets | 0.1721% | 7,058 |
| Noninterest expense to average assets | 2.5475% | 5,957 |
| Loan and lease loss provision to assets | 1.3533% | 1,279 |
| Net operating income to assets | -0.8098% | 6,838 |
| Return on assets (ROA) | -0.7336% | 6,781 |
| Pretax return on assets | -1.1794% | 6,923 |
| Return on Equity (ROE) | -7.3633% | 6,838 |
| Retained earnings to average equity (ytd only) | -7.3633% | 6,603 |
| Net charge-offs to loans | 4.1362% | 332 |
| Credit loss provision to net charge-offs | 57.7438% | 5,632 |
| Earnings coverage of net charge-offs (x) | 0.0233% | 5,654 |
| Efficiency ratio | 97.8991% | 1,269 |
| Assets per employee ($millions) | 4.3657% | 2,997 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7486% | 7,306 |
| Loan loss allowance to noncurrent loans | 7.3215% | 7,527 |
| Noncurrent assets plus other real estate owned to assets | 7.3191% | 558 |
| Noncurrent loans to loans | 10.2251% | 339 |
| Net loans and leases to total assets | 56.7843% | 6,115 |
| Net loans and leases to deposits | 98.3556% | 1,476 |
| Net loans and leases to core deposits | 115.2780% | 2,782 |
| Total domestic deposits to total assets | 57.7336% | 7,986 |
| Equity capital to assets | 10.0215% | 3,912 |
| Core capital (leverage) ratio | 11.0313% | 2,376 |
| Tier 1 risk-based capital ratio | 16.2644% | 2,531 |
| Total risk-based capital ratio | 16.8918% | 2,684 |
| Memoranda: | ||
| Average total assets | $446,318,330 | 1,589 |
| Average earning assets | $409,522,670 | 1,590 |
| Average equity | $44,463,670 | 1,535 |
| Average total loans | $252,888,670 | 1,931 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2127% | 1,559 |
| Cost of funding earning assets | 3.5320% | 138 |
| Net interest margin | 2.6807% | 7,246 |
| Noninterest income to average assets | -0.0216% | 8,100 |
| Noninterest expense to average assets | 2.5081% | 5,809 |
| Loan and lease loss provision to assets | 2.2490% | 525 |
| Net operating income to assets | -1.4747% | 7,486 |
| Return on assets (ROA) | -1.3215% | 7,438 |
| Pretax return on assets | -2.0808% | 7,556 |
| Return on Equity (ROE) | -13.3051% | 7,535 |
| Retained earnings to average equity (ytd only) | -13.3051% | 7,345 |
| Net charge-offs to loans | 2.6247% | 513 |
| Credit loss provision to net charge-offs | 151.9757% | 2,746 |
| Earnings coverage of net charge-offs (x) | -0.0480% | 5,023 |
| Efficiency ratio | 102.9162% | 1,019 |
| Assets per employee ($millions) | 4.2209% | 3,222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9622% | 1,496 |
| Loan loss allowance to noncurrent loans | 20.8306% | 7,122 |
| Noncurrent assets plus other real estate owned to assets | 6.4915% | 576 |
| Noncurrent loans to loans | 9.4199% | 329 |
| Net loans and leases to total assets | 56.2651% | 6,201 |
| Net loans and leases to deposits | 94.7655% | 2,141 |
| Net loans and leases to core deposits | 109.7205% | 3,469 |
| Total domestic deposits to total assets | 59.3730% | 7,979 |
| Equity capital to assets | 9.9566% | 4,045 |
| Core capital (leverage) ratio | 11.1811% | 2,356 |
| Tier 1 risk-based capital ratio | 17.1723% | 2,287 |
| Total risk-based capital ratio | 18.4256% | 2,226 |
| Memoranda: | ||
| Average total assets | $444,641,500 | 1,597 |
| Average earning assets | $407,811,000 | 1,596 |
| Average equity | $44,163,500 | 1,548 |
| Average total loans | $250,698,500 | 1,960 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4484% | 3,193 |
| Cost of funding earning assets | 3.7114% | 256 |
| Net interest margin | 2.7369% | 7,436 |
| Noninterest income to average assets | 0.1646% | 7,246 |
| Noninterest expense to average assets | 2.5292% | 5,892 |
| Loan and lease loss provision to assets | 0.4954% | 2,834 |
| Net operating income to assets | -0.1196% | 6,520 |
| Return on assets (ROA) | 0.0573% | 6,071 |
| Pretax return on assets | -0.0373% | 6,190 |
| Return on Equity (ROE) | 0.4936% | 6,080 |
| Retained earnings to average equity (ytd only) | 0.4936% | 4,944 |
| Net charge-offs to loans | 0.3905% | 2,867 |
| Credit loss provision to net charge-offs | 240.0431% | 1,951 |
| Earnings coverage of net charge-offs (x) | 0.8805% | 5,697 |
| Efficiency ratio | 93.2967% | 1,311 |
| Assets per employee ($millions) | 3.9131% | 3,698 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6742% | 1,986 |
| Loan loss allowance to noncurrent loans | 21.1020% | 7,182 |
| Noncurrent assets plus other real estate owned to assets | 5.6146% | 566 |
| Noncurrent loans to loans | 7.9339% | 345 |
| Net loans and leases to total assets | 54.4525% | 6,603 |
| Net loans and leases to deposits | 96.1258% | 2,426 |
| Net loans and leases to core deposits | 112.1118% | 3,549 |
| Total domestic deposits to total assets | 56.6471% | 8,045 |
| Equity capital to assets | 9.9084% | 4,149 |
| Core capital (leverage) ratio | 11.3740% | 2,322 |
| Tier 1 risk-based capital ratio | 17.6391% | 2,138 |
| Total risk-based capital ratio | 18.8912% | 2,076 |
| Memoranda: | ||
| Average total assets | $450,143,400 | 1,524 |
| Average earning assets | $418,788,000 | 1,489 |
| Average equity | $52,272,800 | 1,288 |
| Average total loans | $237,885,400 | 1,987 |