Home > The Wilton Bank > Performance and Condition Ratios
The Wilton Bank, Performance and Condition Ratios
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6576% | 6,643 |
| Cost of funding earning assets | 0.2194% | 6,295 |
| Net interest margin | 2.4382% | 6,482 |
| Noninterest income to average assets | -0.0396% | 6,789 |
| Noninterest expense to average assets | 4.7580% | 417 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | -2.6754% | 6,828 |
| Return on assets (ROA) | -2.6754% | 6,830 |
| Pretax return on assets | -2.6754% | 6,827 |
| Return on Equity (ROE) | -27.1180% | 6,801 |
| Retained earnings to average equity (ytd only) | -27.1180% | 6,792 |
| Net charge-offs to loans | 0.9913% | 575 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | -6.4286% | 5,146 |
| Efficiency ratio | 228.4602% | 21 |
| Assets per employee ($millions) | 3.6631% | 4,528 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9576% | 574 |
| Loan loss allowance to noncurrent loans | 12.4208% | 6,340 |
| Noncurrent assets plus other real estate owned to assets | 12.9255% | 71 |
| Noncurrent loans to loans | 23.8121% | 10 |
| Net loans and leases to total assets | 41.5796% | 5,928 |
| Net loans and leases to deposits | 46.1591% | 6,085 |
| Net loans and leases to core deposits | 48.6885% | 6,088 |
| Total domestic deposits to total assets | 90.0789% | 951 |
| Equity capital to assets | 9.4053% | 4,667 |
| Core capital (leverage) ratio | 9.2399% | 4,773 |
| Tier 1 risk-based capital ratio | 16.8382% | 2,779 |
| Total risk-based capital ratio | 18.1011% | 2,730 |
| Memoranda: | ||
| Average total assets | $74,006,500 | 5,429 |
| Average earning assets | $64,418,000 | 5,514 |
| Average equity | $7,301,250 | 5,557 |
| Average total loans | $31,068,250 | 5,760 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8274% | 6,593 |
| Cost of funding earning assets | 0.2198% | 6,370 |
| Net interest margin | 2.6075% | 6,325 |
| Noninterest income to average assets | -0.2941% | 6,887 |
| Noninterest expense to average assets | 4.5260% | 511 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | -2.5571% | 6,877 |
| Return on assets (ROA) | -2.5571% | 6,878 |
| Pretax return on assets | -2.5571% | 6,872 |
| Return on Equity (ROE) | -25.5528% | 6,846 |
| Retained earnings to average equity (ytd only) | -25.5528% | 6,828 |
| Net charge-offs to loans | 1.4992% | 351 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | -4.0890% | 4,819 |
| Efficiency ratio | 229.8789% | 25 |
| Assets per employee ($millions) | 3.9568% | 3,902 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9541% | 612 |
| Loan loss allowance to noncurrent loans | 14.1589% | 6,387 |
| Noncurrent assets plus other real estate owned to assets | 11.6321% | 112 |
| Noncurrent loans to loans | 20.8636% | 17 |
| Net loans and leases to total assets | 38.3227% | 6,157 |
| Net loans and leases to deposits | 42.4328% | 6,305 |
| Net loans and leases to core deposits | 44.5708% | 6,307 |
| Total domestic deposits to total assets | 90.3139% | 853 |
| Equity capital to assets | 9.3988% | 4,722 |
| Core capital (leverage) ratio | 9.5029% | 4,246 |
| Tier 1 risk-based capital ratio | 17.4577% | 2,529 |
| Total risk-based capital ratio | 18.7202% | 2,495 |
| Memoranda: | ||
| Average total assets | $75,475,670 | 5,427 |
| Average earning assets | $65,502,330 | 5,509 |
| Average equity | $7,553,000 | 5,545 |
| Average total loans | $31,484,000 | 5,776 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3652% | 6,012 |
| Cost of funding earning assets | 0.2329% | 6,395 |
| Net interest margin | 3.1323% | 5,154 |
| Noninterest income to average assets | -0.8093% | 7,000 |
| Noninterest expense to average assets | 3.9776% | 909 |
| Loan and lease loss provision to assets | 0.3967% | 781 |
| Net operating income to assets | -2.4807% | 6,942 |
| Return on assets (ROA) | -2.4807% | 6,943 |
| Pretax return on assets | -2.4807% | 6,935 |
| Return on Equity (ROE) | -24.0621% | 6,915 |
| Retained earnings to average equity (ytd only) | -24.0621% | 6,870 |
| Net charge-offs to loans | 2.7670% | 138 |
| Credit loss provision to net charge-offs | 33.4821% | 2,833 |
| Earnings coverage of net charge-offs (x) | -1.7589% | 4,008 |
| Efficiency ratio | 210.0559% | 30 |
| Assets per employee ($millions) | 3.9538% | 4,058 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0941% | 597 |
| Loan loss allowance to noncurrent loans | 14.7785% | 6,444 |
| Noncurrent assets plus other real estate owned to assets | 14.4177% | 84 |
| Noncurrent loans to loans | 20.9366% | 23 |
| Net loans and leases to total assets | 40.1901% | 5,979 |
| Net loans and leases to deposits | 44.7939% | 6,134 |
| Net loans and leases to core deposits | 47.8122% | 6,102 |
| Total domestic deposits to total assets | 89.7222% | 1,211 |
| Equity capital to assets | 10.0662% | 4,058 |
| Core capital (leverage) ratio | 10.0324% | 3,333 |
| Tier 1 risk-based capital ratio | 17.6394% | 2,504 |
| Total risk-based capital ratio | 18.9037% | 2,466 |
| Memoranda: | ||
| Average total assets | $75,623,500 | 5,469 |
| Average earning assets | $65,256,000 | 5,566 |
| Average equity | $7,796,500 | 5,542 |
| Average total loans | $32,382,000 | 5,778 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0656% | 6,739 |
| Cost of funding earning assets | 0.2764% | 6,564 |
| Net interest margin | 2.7892% | 6,391 |
| Noninterest income to average assets | -0.0848% | 6,909 |
| Noninterest expense to average assets | 4.6626% | 494 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | -2.3434% | 6,964 |
| Return on assets (ROA) | -2.3434% | 6,967 |
| Pretax return on assets | -2.3434% | 6,965 |
| Return on Equity (ROE) | -19.4148% | 6,874 |
| Retained earnings to average equity (ytd only) | -19.4148% | 6,839 |
| Net charge-offs to loans | 0.5090% | 2,207 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | -9.0677% | 5,939 |
| Efficiency ratio | 201.0447% | 38 |
| Assets per employee ($millions) | 4.0065% | 3,934 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3117% | 500 |
| Loan loss allowance to noncurrent loans | 15.3074% | 6,486 |
| Noncurrent assets plus other real estate owned to assets | 13.8471% | 96 |
| Noncurrent loans to loans | 21.6347% | 19 |
| Net loans and leases to total assets | 42.6869% | 5,929 |
| Net loans and leases to deposits | 47.8705% | 6,115 |
| Net loans and leases to core deposits | 51.0518% | 6,084 |
| Total domestic deposits to total assets | 89.1716% | 1,456 |
| Equity capital to assets | 10.5499% | 3,467 |
| Core capital (leverage) ratio | 10.8144% | 2,429 |
| Tier 1 risk-based capital ratio | 18.4324% | 2,123 |
| Total risk-based capital ratio | 19.6993% | 2,085 |
| Memoranda: | ||
| Average total assets | $74,293,000 | 5,501 |
| Average earning assets | $64,033,000 | 5,608 |
| Average equity | $8,967,400 | 5,234 |
| Average total loans | $37,717,800 | 5,601 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1581% | 6,817 |
| Cost of funding earning assets | 0.2793% | 6,700 |
| Net interest margin | 2.8788% | 6,397 |
| Noninterest income to average assets | 0.2239% | 5,952 |
| Noninterest expense to average assets | 4.7510% | 441 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | -2.0514% | 7,045 |
| Return on assets (ROA) | -2.0514% | 7,055 |
| Pretax return on assets | -2.0514% | 7,040 |
| Return on Equity (ROE) | -16.4607% | 6,950 |
| Retained earnings to average equity (ytd only) | -16.4607% | 6,929 |
| Net charge-offs to loans | 0.5781% | 1,891 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | -6.7620% | 5,727 |
| Efficiency ratio | 175.9866% | 52 |
| Assets per employee ($millions) | 3.8026% | 4,299 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0151% | 700 |
| Loan loss allowance to noncurrent loans | 12.7195% | 6,627 |
| Noncurrent assets plus other real estate owned to assets | 17.2127% | 64 |
| Noncurrent loans to loans | 23.7046% | 21 |
| Net loans and leases to total assets | 50.6208% | 5,233 |
| Net loans and leases to deposits | 57.7025% | 5,460 |
| Net loans and leases to core deposits | 61.8288% | 5,379 |
| Total domestic deposits to total assets | 87.7272% | 2,204 |
| Equity capital to assets | 11.9531% | 2,300 |
| Core capital (leverage) ratio | 12.0810% | 1,607 |
| Tier 1 risk-based capital ratio | 17.7805% | 2,429 |
| Total risk-based capital ratio | 19.0447% | 2,394 |
| Memoranda: | ||
| Average total assets | $73,835,250 | 5,577 |
| Average earning assets | $63,496,500 | 5,679 |
| Average equity | $9,201,500 | 5,215 |
| Average total loans | $38,745,250 | 5,626 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2605% | 6,838 |
| Cost of funding earning assets | 0.2842% | 6,788 |
| Net interest margin | 2.9763% | 6,284 |
| Noninterest income to average assets | 0.2797% | 5,573 |
| Noninterest expense to average assets | 4.8384% | 417 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | -1.9956% | 7,065 |
| Return on assets (ROA) | -1.9956% | 7,074 |
| Pretax return on assets | -1.9956% | 7,063 |
| Return on Equity (ROE) | -15.8040% | 6,989 |
| Retained earnings to average equity (ytd only) | -15.8040% | 6,957 |
| Net charge-offs to loans | 0.8595% | 1,283 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | -4.4167% | 5,441 |
| Efficiency ratio | 170.1987% | 66 |
| Assets per employee ($millions) | 3.8634% | 4,161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0681% | 730 |
| Loan loss allowance to noncurrent loans | 12.3493% | 6,681 |
| Noncurrent assets plus other real estate owned to assets | 17.3342% | 65 |
| Noncurrent loans to loans | 24.8442% | 18 |
| Net loans and leases to total assets | 48.9374% | 5,496 |
| Net loans and leases to deposits | 55.9602% | 5,650 |
| Net loans and leases to core deposits | 59.9059% | 5,601 |
| Total domestic deposits to total assets | 87.4503% | 2,498 |
| Equity capital to assets | 12.3018% | 1,932 |
| Core capital (leverage) ratio | 12.3077% | 1,443 |
| Tier 1 risk-based capital ratio | 18.8786% | 2,001 |
| Total risk-based capital ratio | 20.1434% | 1,974 |
| Memoranda: | ||
| Average total assets | $74,364,000 | 5,595 |
| Average earning assets | $64,039,330 | 5,706 |
| Average equity | $9,390,000 | 5,185 |
| Average total loans | $39,090,330 | 5,646 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5112% | 6,683 |
| Cost of funding earning assets | 0.2911% | 6,868 |
| Net interest margin | 3.2201% | 5,733 |
| Noninterest income to average assets | 0.0107% | 7,069 |
| Noninterest expense to average assets | 4.9490% | 378 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -2.1592% | 7,165 |
| Return on assets (ROA) | -2.1592% | 7,167 |
| Pretax return on assets | -2.1592% | 7,147 |
| Return on Equity (ROE) | -16.8861% | 7,083 |
| Retained earnings to average equity (ytd only) | -16.8861% | 7,007 |
| Net charge-offs to loans | 0.2892% | 2,513 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | -13.9310% | 4,696 |
| Efficiency ratio | 177.3946% | 59 |
| Assets per employee ($millions) | 3.8566% | 4,300 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2762% | 632 |
| Loan loss allowance to noncurrent loans | 14.0112% | 6,705 |
| Noncurrent assets plus other real estate owned to assets | 18.3198% | 66 |
| Noncurrent loans to loans | 23.3831% | 27 |
| Net loans and leases to total assets | 51.4097% | 5,092 |
| Net loans and leases to deposits | 59.1428% | 5,263 |
| Net loans and leases to core deposits | 62.3001% | 5,293 |
| Total domestic deposits to total assets | 86.9248% | 2,998 |
| Equity capital to assets | 12.7845% | 1,555 |
| Core capital (leverage) ratio | 12.8223% | 1,195 |
| Tier 1 risk-based capital ratio | 18.4152% | 2,170 |
| Total risk-based capital ratio | 19.6812% | 2,135 |
| Memoranda: | ||
| Average total assets | $74,844,000 | 5,622 |
| Average earning assets | $64,593,500 | 5,738 |
| Average equity | $9,570,000 | 5,154 |
| Average total loans | $40,106,000 | 5,638 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9223% | 7,194 |
| Cost of funding earning assets | 0.3492% | 7,012 |
| Net interest margin | 2.5731% | 7,018 |
| Noninterest income to average assets | 0.8830% | 1,734 |
| Noninterest expense to average assets | 4.4060% | 645 |
| Loan and lease loss provision to assets | 1.1256% | 807 |
| Net operating income to assets | -4.0896% | 7,257 |
| Return on assets (ROA) | -4.0896% | 7,263 |
| Pretax return on assets | -2.4000% | 7,105 |
| Return on Equity (ROE) | -29.2707% | 7,086 |
| Retained earnings to average equity (ytd only) | -29.2707% | 7,079 |
| Net charge-offs to loans | 3.5527% | 211 |
| Credit loss provision to net charge-offs | 55.2486% | 5,296 |
| Earnings coverage of net charge-offs (x) | -0.6255% | 6,125 |
| Efficiency ratio | 140.6949% | 173 |
| Assets per employee ($millions) | 3.8206% | 4,267 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1625% | 703 |
| Loan loss allowance to noncurrent loans | 10.0640% | 6,819 |
| Noncurrent assets plus other real estate owned to assets | 20.7245% | 47 |
| Noncurrent loans to loans | 31.4237% | 14 |
| Net loans and leases to total assets | 52.2955% | 5,263 |
| Net loans and leases to deposits | 60.1382% | 5,468 |
| Net loans and leases to core deposits | 63.1899% | 5,544 |
| Total domestic deposits to total assets | 86.9589% | 2,789 |
| Equity capital to assets | 12.7886% | 1,608 |
| Core capital (leverage) ratio | 12.9667% | 1,154 |
| Tier 1 risk-based capital ratio | 18.8220% | 1,953 |
| Total risk-based capital ratio | 20.0874% | 1,906 |
| Memoranda: | ||
| Average total assets | $79,958,600 | 5,457 |
| Average earning assets | $69,876,600 | 5,541 |
| Average equity | $11,171,600 | 4,742 |
| Average total loans | $45,852,600 | 5,430 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9801% | 7,266 |
| Cost of funding earning assets | 0.3621% | 7,102 |
| Net interest margin | 2.6180% | 7,060 |
| Noninterest income to average assets | 1.4348% | 640 |
| Noninterest expense to average assets | 4.4875% | 582 |
| Loan and lease loss provision to assets | 1.4843% | 467 |
| Net operating income to assets | -4.4429% | 7,354 |
| Return on assets (ROA) | -4.4429% | 7,358 |
| Pretax return on assets | -2.2479% | 7,173 |
| Return on Equity (ROE) | -31.1757% | 7,203 |
| Retained earnings to average equity (ytd only) | -31.1757% | 7,196 |
| Net charge-offs to loans | 3.3617% | 247 |
| Credit loss provision to net charge-offs | 75.9494% | 4,279 |
| Earnings coverage of net charge-offs (x) | -0.3907% | 5,796 |
| Efficiency ratio | 120.5049% | 302 |
| Assets per employee ($millions) | 3.8301% | 4,238 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1060% | 359 |
| Loan loss allowance to noncurrent loans | 12.8849% | 6,852 |
| Noncurrent assets plus other real estate owned to assets | 21.7253% | 40 |
| Noncurrent loans to loans | 31.8668% | 13 |
| Net loans and leases to total assets | 53.3237% | 5,271 |
| Net loans and leases to deposits | 61.8960% | 5,415 |
| Net loans and leases to core deposits | 65.0337% | 5,518 |
| Total domestic deposits to total assets | 86.1505% | 3,140 |
| Equity capital to assets | 13.5088% | 1,364 |
| Core capital (leverage) ratio | 13.5520% | 1,026 |
| Tier 1 risk-based capital ratio | 19.3525% | 1,849 |
| Total risk-based capital ratio | 20.6280% | 1,814 |
| Memoranda: | ||
| Average total assets | $80,845,250 | 5,482 |
| Average earning assets | $70,689,500 | 5,560 |
| Average equity | $11,521,500 | 4,687 |
| Average total loans | $46,999,500 | 5,423 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9187% | 7,358 |
| Cost of funding earning assets | 0.3666% | 7,198 |
| Net interest margin | 2.5521% | 7,154 |
| Noninterest income to average assets | 0.5154% | 3,744 |
| Noninterest expense to average assets | 4.4639% | 619 |
| Loan and lease loss provision to assets | 1.6411% | 419 |
| Net operating income to assets | -6.5913% | 7,476 |
| Return on assets (ROA) | -6.5913% | 7,478 |
| Pretax return on assets | -3.3552% | 7,348 |
| Return on Equity (ROE) | -45.5146% | 7,331 |
| Retained earnings to average equity (ytd only) | -45.5146% | 7,328 |
| Net charge-offs to loans | 3.3342% | 281 |
| Credit loss provision to net charge-offs | 83.5396% | 3,664 |
| Earnings coverage of net charge-offs (x) | -0.8725% | 5,613 |
| Efficiency ratio | 162.3342% | 116 |
| Assets per employee ($millions) | 3.9331% | 3,913 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0433% | 406 |
| Loan loss allowance to noncurrent loans | 11.3350% | 6,928 |
| Noncurrent assets plus other real estate owned to assets | 23.3963% | 36 |
| Noncurrent loans to loans | 35.6708% | 9 |
| Net loans and leases to total assets | 57.3530% | 4,753 |
| Net loans and leases to deposits | 66.1996% | 4,974 |
| Net loans and leases to core deposits | 69.7134% | 5,106 |
| Total domestic deposits to total assets | 86.6365% | 2,965 |
| Equity capital to assets | 13.1347% | 1,456 |
| Core capital (leverage) ratio | 12.8033% | 1,248 |
| Tier 1 risk-based capital ratio | 18.5472% | 1,992 |
| Total risk-based capital ratio | 19.8255% | 1,943 |
| Memoranda: | ||
| Average total assets | $82,259,670 | 5,482 |
| Average earning assets | $72,019,330 | 5,555 |
| Average equity | $11,912,670 | 4,577 |
| Average total loans | $48,467,330 | 5,420 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8963% | 7,418 |
| Cost of funding earning assets | 0.3723% | 7,281 |
| Net interest margin | 2.5240% | 7,177 |
| Noninterest income to average assets | 0.8090% | 1,995 |
| Noninterest expense to average assets | 4.5254% | 578 |
| Loan and lease loss provision to assets | 3.2120% | 146 |
| Net operating income to assets | -3.2454% | 7,410 |
| Return on assets (ROA) | -3.2454% | 7,414 |
| Pretax return on assets | -4.7348% | 7,470 |
| Return on Equity (ROE) | -21.4752% | 7,235 |
| Retained earnings to average equity (ytd only) | -21.4752% | 7,178 |
| Net charge-offs to loans | 5.5536% | 127 |
| Credit loss provision to net charge-offs | 98.8287% | 2,764 |
| Earnings coverage of net charge-offs (x) | -0.4685% | 4,782 |
| Efficiency ratio | 150.7132% | 162 |
| Assets per employee ($millions) | 4.4122% | 3,030 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1865% | 374 |
| Loan loss allowance to noncurrent loans | 11.1866% | 6,993 |
| Noncurrent assets plus other real estate owned to assets | 23.5519% | 36 |
| Noncurrent loans to loans | 37.4241% | 5 |
| Net loans and leases to total assets | 55.3106% | 5,110 |
| Net loans and leases to deposits | 65.0596% | 5,121 |
| Net loans and leases to core deposits | 68.3380% | 5,249 |
| Total domestic deposits to total assets | 85.0153% | 4,022 |
| Equity capital to assets | 14.7462% | 823 |
| Core capital (leverage) ratio | 13.4077% | 993 |
| Tier 1 risk-based capital ratio | 18.8367% | 1,856 |
| Total risk-based capital ratio | 20.1164% | 1,803 |
| Memoranda: | ||
| Average total assets | $84,058,500 | 5,468 |
| Average earning assets | $73,058,000 | 5,569 |
| Average equity | $12,703,000 | 4,401 |
| Average total loans | $49,193,000 | 5,431 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3237% | 7,439 |
| Cost of funding earning assets | 0.5008% | 7,297 |
| Net interest margin | 2.8228% | 7,003 |
| Noninterest income to average assets | 0.0355% | 7,175 |
| Noninterest expense to average assets | 4.0030% | 1,158 |
| Loan and lease loss provision to assets | 0.6208% | 2,652 |
| Net operating income to assets | -1.6806% | 6,964 |
| Return on assets (ROA) | -1.6806% | 6,988 |
| Pretax return on assets | -2.1140% | 7,065 |
| Return on Equity (ROE) | -10.8633% | 6,765 |
| Retained earnings to average equity (ytd only) | -10.8633% | 6,707 |
| Net charge-offs to loans | 2.2617% | 855 |
| Credit loss provision to net charge-offs | 41.7599% | 6,361 |
| Earnings coverage of net charge-offs (x) | -1.0045% | 6,607 |
| Efficiency ratio | 159.4965% | 168 |
| Assets per employee ($millions) | 4.0136% | 3,754 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0687% | 373 |
| Loan loss allowance to noncurrent loans | 10.3919% | 7,085 |
| Noncurrent assets plus other real estate owned to assets | 25.2560% | 25 |
| Noncurrent loans to loans | 39.1523% | 4 |
| Net loans and leases to total assets | 56.8998% | 5,203 |
| Net loans and leases to deposits | 67.5636% | 5,158 |
| Net loans and leases to core deposits | 70.9417% | 5,340 |
| Total domestic deposits to total assets | 84.2166% | 4,265 |
| Equity capital to assets | 15.4761% | 683 |
| Core capital (leverage) ratio | 14.0772% | 829 |
| Tier 1 risk-based capital ratio | 19.4684% | 1,601 |
| Total risk-based capital ratio | 20.7451% | 1,570 |
| Memoranda: | ||
| Average total assets | $90,208,400 | 5,281 |
| Average earning assets | $79,069,400 | 5,381 |
| Average equity | $13,955,200 | 4,151 |
| Average total loans | $59,290,600 | 5,103 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3929% | 7,562 |
| Cost of funding earning assets | 0.5315% | 7,398 |
| Net interest margin | 2.8614% | 7,062 |
| Noninterest income to average assets | 0.0407% | 7,314 |
| Noninterest expense to average assets | 4.1123% | 924 |
| Loan and lease loss provision to assets | 0.8143% | 1,859 |
| Net operating income to assets | -1.4498% | 7,095 |
| Return on assets (ROA) | -1.4498% | 7,114 |
| Pretax return on assets | -2.3732% | 7,290 |
| Return on Equity (ROE) | -9.3725% | 6,896 |
| Retained earnings to average equity (ytd only) | -9.3725% | 6,841 |
| Net charge-offs to loans | 3.2372% | 446 |
| Credit loss provision to net charge-offs | 37.4332% | 6,048 |
| Earnings coverage of net charge-offs (x) | -0.7166% | 6,395 |
| Efficiency ratio | 161.0478% | 162 |
| Assets per employee ($millions) | 4.2701% | 3,315 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3094% | 631 |
| Loan loss allowance to noncurrent loans | 8.0217% | 7,204 |
| Noncurrent assets plus other real estate owned to assets | 29.9326% | 10 |
| Noncurrent loans to loans | 41.2561% | 5 |
| Net loans and leases to total assets | 64.2819% | 4,065 |
| Net loans and leases to deposits | 76.7107% | 4,049 |
| Net loans and leases to core deposits | 81.1129% | 4,369 |
| Total domestic deposits to total assets | 83.7978% | 4,232 |
| Equity capital to assets | 15.8825% | 701 |
| Core capital (leverage) ratio | 13.7719% | 973 |
| Tier 1 risk-based capital ratio | 18.6008% | 1,844 |
| Total risk-based capital ratio | 19.8716% | 1,806 |
| Memoranda: | ||
| Average total assets | $91,689,250 | 5,301 |
| Average earning assets | $80,518,750 | 5,387 |
| Average equity | $14,183,000 | 4,166 |
| Average total loans | $61,615,250 | 5,075 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4544% | 7,622 |
| Cost of funding earning assets | 0.5495% | 7,481 |
| Net interest margin | 2.9049% | 7,002 |
| Noninterest income to average assets | -0.0554% | 7,591 |
| Noninterest expense to average assets | 3.7703% | 1,411 |
| Loan and lease loss provision to assets | 0.3199% | 3,822 |
| Net operating income to assets | -0.9682% | 6,931 |
| Return on assets (ROA) | -0.9682% | 6,949 |
| Pretax return on assets | -1.5866% | 7,112 |
| Return on Equity (ROE) | -6.3102% | 6,787 |
| Retained earnings to average equity (ytd only) | -6.3102% | 6,678 |
| Net charge-offs to loans | 1.8821% | 984 |
| Credit loss provision to net charge-offs | 25.2101% | 5,799 |
| Earnings coverage of net charge-offs (x) | -0.9983% | 6,119 |
| Efficiency ratio | 150.5963% | 203 |
| Assets per employee ($millions) | 4.6291% | 2,686 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8779% | 407 |
| Loan loss allowance to noncurrent loans | 10.8106% | 7,247 |
| Noncurrent assets plus other real estate owned to assets | 24.7059% | 22 |
| Noncurrent loans to loans | 35.8711% | 9 |
| Net loans and leases to total assets | 63.4536% | 4,364 |
| Net loans and leases to deposits | 75.0920% | 4,501 |
| Net loans and leases to core deposits | 80.9821% | 4,556 |
| Total domestic deposits to total assets | 84.5011% | 3,868 |
| Equity capital to assets | 15.2375% | 831 |
| Core capital (leverage) ratio | 13.6493% | 1,018 |
| Tier 1 risk-based capital ratio | 18.8544% | 1,753 |
| Total risk-based capital ratio | 20.1327% | 1,717 |
| Memoranda: | ||
| Average total assets | $93,785,000 | 5,257 |
| Average earning assets | $82,619,670 | 5,349 |
| Average equity | $14,389,330 | 4,118 |
| Average total loans | $63,228,000 | 5,046 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6728% | 7,646 |
| Cost of funding earning assets | 0.5863% | 7,557 |
| Net interest margin | 3.0865% | 6,629 |
| Noninterest income to average assets | 0.1526% | 6,878 |
| Noninterest expense to average assets | 3.2165% | 2,795 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | -0.2204% | 6,570 |
| Return on assets (ROA) | -0.2204% | 6,639 |
| Pretax return on assets | -0.3645% | 6,694 |
| Return on Equity (ROE) | -1.4315% | 6,570 |
| Retained earnings to average equity (ytd only) | -1.4315% | 6,111 |
| Net charge-offs to loans | 2.8374% | 560 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | -0.1886% | 5,158 |
| Efficiency ratio | 112.7786% | 544 |
| Assets per employee ($millions) | 4.6707% | 2,685 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7750% | 444 |
| Loan loss allowance to noncurrent loans | 10.5899% | 7,323 |
| Noncurrent assets plus other real estate owned to assets | 25.9736% | 22 |
| Noncurrent loans to loans | 35.6473% | 12 |
| Net loans and leases to total assets | 64.3704% | 4,249 |
| Net loans and leases to deposits | 76.4073% | 4,338 |
| Net loans and leases to core deposits | 85.1521% | 4,020 |
| Total domestic deposits to total assets | 84.2465% | 4,019 |
| Equity capital to assets | 15.5287% | 762 |
| Core capital (leverage) ratio | 14.2979% | 897 |
| Tier 1 risk-based capital ratio | 18.6052% | 1,812 |
| Total risk-based capital ratio | 19.8807% | 1,771 |
| Memoranda: | ||
| Average total assets | $94,387,000 | 5,300 |
| Average earning assets | $82,553,500 | 5,417 |
| Average equity | $14,530,500 | 4,112 |
| Average total loans | $64,284,000 | 5,073 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1554% | 5,849 |
| Cost of funding earning assets | 0.9533% | 7,300 |
| Net interest margin | 4.2020% | 2,049 |
| Noninterest income to average assets | 0.2484% | 6,325 |
| Noninterest expense to average assets | 3.4741% | 2,440 |
| Loan and lease loss provision to assets | 3.2449% | 503 |
| Net operating income to assets | -1.7341% | 6,980 |
| Return on assets (ROA) | -1.7523% | 6,996 |
| Pretax return on assets | -2.8920% | 7,261 |
| Return on Equity (ROE) | -11.0208% | 6,696 |
| Retained earnings to average equity (ytd only) | -13.7888% | 6,800 |
| Net charge-offs to loans | 3.0619% | 681 |
| Credit loss provision to net charge-offs | 154.6641% | 2,947 |
| Earnings coverage of net charge-offs (x) | 0.1817% | 5,972 |
| Efficiency ratio | 90.1105% | 1,701 |
| Assets per employee ($millions) | 5.0189% | 2,192 |
| Cash dividends to net income (ytd only)* | -25.1157% | 7,721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2601% | 302 |
| Loan loss allowance to noncurrent loans | 33.3254% | 6,221 |
| Noncurrent assets plus other real estate owned to assets | 9.8542% | 376 |
| Noncurrent loans to loans | 12.7834% | 249 |
| Net loans and leases to total assets | 66.3412% | 4,070 |
| Net loans and leases to deposits | 78.5495% | 4,265 |
| Net loans and leases to core deposits | 97.7020% | 4,257 |
| Total domestic deposits to total assets | 84.4578% | 3,816 |
| Equity capital to assets | 15.2632% | 851 |
| Core capital (leverage) ratio | 15.4277% | 704 |
| Tier 1 risk-based capital ratio | 19.1379% | 1,624 |
| Total risk-based capital ratio | 20.4183% | 1,582 |
| Memoranda: | ||
| Average total assets | $98,615,200 | 5,121 |
| Average earning assets | $84,649,200 | 5,309 |
| Average equity | $15,679,400 | 3,928 |
| Average total loans | $67,573,400 | 4,956 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0795% | 6,345 |
| Cost of funding earning assets | 1.0216% | 7,344 |
| Net interest margin | 4.0579% | 2,556 |
| Noninterest income to average assets | 0.2682% | 6,318 |
| Noninterest expense to average assets | 3.5683% | 2,100 |
| Loan and lease loss provision to assets | 3.1513% | 447 |
| Net operating income to assets | -1.8053% | 7,237 |
| Return on assets (ROA) | -1.8465% | 7,252 |
| Pretax return on assets | -3.0534% | 7,521 |
| Return on Equity (ROE) | -11.5031% | 6,991 |
| Retained earnings to average equity (ytd only) | -15.1287% | 7,140 |
| Net charge-offs to loans | 2.9316% | 583 |
| Credit loss provision to net charge-offs | 157.2959% | 3,031 |
| Earnings coverage of net charge-offs (x) | 0.0810% | 5,968 |
| Efficiency ratio | 95.6506% | 1,295 |
| Assets per employee ($millions) | 4.7262% | 2,517 |
| Cash dividends to net income (ytd only)* | -31.5177% | 7,887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7470% | 346 |
| Loan loss allowance to noncurrent loans | 22.2358% | 6,961 |
| Noncurrent assets plus other real estate owned to assets | 13.0899% | 178 |
| Noncurrent loans to loans | 16.8511% | 106 |
| Net loans and leases to total assets | 69.0287% | 3,705 |
| Net loans and leases to deposits | 82.3506% | 3,950 |
| Net loans and leases to core deposits | 108.3692% | 3,427 |
| Total domestic deposits to total assets | 83.8230% | 3,807 |
| Equity capital to assets | 15.7655% | 835 |
| Core capital (leverage) ratio | 15.1430% | 830 |
| Tier 1 risk-based capital ratio | 17.9034% | 2,017 |
| Total risk-based capital ratio | 19.1791% | 1,959 |
| Memoranda: | ||
| Average total assets | $99,429,000 | 5,135 |
| Average earning assets | $84,836,500 | 5,346 |
| Average equity | $15,960,500 | 3,921 |
| Average total loans | $67,947,250 | 4,988 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9716% | 6,867 |
| Cost of funding earning assets | 1.1151% | 7,342 |
| Net interest margin | 3.8565% | 3,310 |
| Noninterest income to average assets | 0.3067% | 6,058 |
| Noninterest expense to average assets | 3.2534% | 3,144 |
| Loan and lease loss provision to assets | 1.6326% | 1,025 |
| Net operating income to assets | -0.7664% | 6,807 |
| Return on assets (ROA) | -0.8272% | 6,852 |
| Pretax return on assets | -1.3892% | 7,028 |
| Return on Equity (ROE) | -5.1246% | 6,621 |
| Retained earnings to average equity (ytd only) | -10.4454% | 6,920 |
| Net charge-offs to loans | 2.7353% | 617 |
| Credit loss provision to net charge-offs | 88.7097% | 4,961 |
| Earnings coverage of net charge-offs (x) | 0.1839% | 5,487 |
| Efficiency ratio | 90.5785% | 1,763 |
| Assets per employee ($millions) | 4.7639% | 2,374 |
| Cash dividends to net income (ytd only)* | -103.8278% | 8,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3426% | 1,055 |
| Loan loss allowance to noncurrent loans | 16.1205% | 7,327 |
| Noncurrent assets plus other real estate owned to assets | 12.3796% | 165 |
| Noncurrent loans to loans | 14.5320% | 147 |
| Net loans and leases to total assets | 69.0863% | 3,925 |
| Net loans and leases to deposits | 83.3194% | 3,993 |
| Net loans and leases to core deposits | 108.8216% | 3,514 |
| Total domestic deposits to total assets | 82.9174% | 4,284 |
| Equity capital to assets | 16.7667% | 698 |
| Core capital (leverage) ratio | 16.2216% | 717 |
| Tier 1 risk-based capital ratio | 19.7638% | 1,625 |
| Total risk-based capital ratio | 21.0226% | 1,577 |
| Memoranda: | ||
| Average total assets | $101,064,330 | 5,134 |
| Average earning assets | $86,089,330 | 5,331 |
| Average equity | $16,313,330 | 3,855 |
| Average total loans | $68,000,330 | 5,029 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9318% | 7,097 |
| Cost of funding earning assets | 1.2456% | 7,184 |
| Net interest margin | 3.6862% | 3,958 |
| Noninterest income to average assets | 0.4194% | 5,059 |
| Noninterest expense to average assets | 2.7588% | 4,740 |
| Loan and lease loss provision to assets | 2.2124% | 532 |
| Net operating income to assets | -0.8707% | 7,164 |
| Return on assets (ROA) | -0.9889% | 7,268 |
| Pretax return on assets | -1.6507% | 7,425 |
| Return on Equity (ROE) | -6.2369% | 7,084 |
| Retained earnings to average equity (ytd only) | -16.7693% | 7,522 |
| Net charge-offs to loans | 3.4378% | 357 |
| Credit loss provision to net charge-offs | 97.9557% | 3,841 |
| Earnings coverage of net charge-offs (x) | 0.3305% | 4,714 |
| Efficiency ratio | 78.7047% | 3,045 |
| Assets per employee ($millions) | 4.8383% | 2,257 |
| Cash dividends to net income (ytd only)* | -168.8716% | 8,195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4633% | 791 |
| Loan loss allowance to noncurrent loans | 15.6657% | 7,375 |
| Noncurrent assets plus other real estate owned to assets | 12.8174% | 127 |
| Noncurrent loans to loans | 15.7243% | 86 |
| Net loans and leases to total assets | 65.1589% | 4,783 |
| Net loans and leases to deposits | 81.0400% | 4,443 |
| Net loans and leases to core deposits | 106.5830% | 3,835 |
| Total domestic deposits to total assets | 80.4033% | 5,205 |
| Equity capital to assets | 15.8822% | 893 |
| Core capital (leverage) ratio | 15.7197% | 822 |
| Tier 1 risk-based capital ratio | 19.5382% | 1,712 |
| Total risk-based capital ratio | 20.7980% | 1,657 |
| Memoranda: | ||
| Average total assets | $103,957,500 | 5,070 |
| Average earning assets | $87,027,000 | 5,318 |
| Average equity | $16,482,500 | 3,845 |
| Average total loans | $68,299,000 | 5,039 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0195% | 1,083 |
| Cost of funding earning assets | 1.6784% | 7,310 |
| Net interest margin | 5.3411% | 266 |
| Noninterest income to average assets | 0.2097% | 6,939 |
| Noninterest expense to average assets | 2.9215% | 4,372 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.4980% | 1,019 |
| Return on assets (ROA) | 0.2823% | 5,412 |
| Pretax return on assets | 0.3656% | 5,340 |
| Return on Equity (ROE) | 1.6842% | 5,711 |
| Retained earnings to average equity (ytd only) | -3.0235% | 6,117 |
| Net charge-offs to loans | 0.7747% | 1,607 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 3.8450% | 4,209 |
| Efficiency ratio | 60.0403% | 6,331 |
| Assets per employee ($millions) | 5.0624% | 1,888 |
| Cash dividends to net income (ytd only)* | 279.5139% | 214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4505% | 720 |
| Loan loss allowance to noncurrent loans | 15.2882% | 7,386 |
| Noncurrent assets plus other real estate owned to assets | 12.8256% | 88 |
| Noncurrent loans to loans | 16.0283% | 62 |
| Net loans and leases to total assets | 63.0584% | 5,443 |
| Net loans and leases to deposits | 78.5319% | 5,261 |
| Net loans and leases to core deposits | 103.9204% | 4,403 |
| Total domestic deposits to total assets | 80.2965% | 4,910 |
| Equity capital to assets | 15.8290% | 975 |
| Core capital (leverage) ratio | 16.9706% | 700 |
| Tier 1 risk-based capital ratio | 19.6723% | 1,670 |
| Total risk-based capital ratio | 20.9312% | 1,627 |
| Memoranda: | ||
| Average total assets | $102,037,200 | 4,992 |
| Average earning assets | $88,951,600 | 5,118 |
| Average equity | $17,099,600 | 3,722 |
| Average total loans | $66,605,400 | 4,995 |