Home > Waukegan Savings Bank > Performance and Condition Ratios
Waukegan Savings Bank, Performance and Condition Ratios
| 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 | 4.4370% | 4,033 |
| Cost of funding earning assets | 0.8859% | 2,518 |
| Net interest margin | 3.5511% | 4,459 |
| Noninterest income to average assets | 0.9648% | 1,560 |
| Noninterest expense to average assets | 7.9139% | 116 |
| Loan and lease loss provision to assets | 1.5966% | 216 |
| Net operating income to assets | -5.3594% | 7,212 |
| Return on assets (ROA) | -5.3502% | 7,215 |
| Pretax return on assets | -5.3502% | 7,214 |
| Return on Equity (ROE) | -320.4304% | 7,240 |
| Retained earnings to average equity (ytd only) | -320.4304% | 7,240 |
| Net charge-offs to loans | 0.5667% | 1,894 |
| Credit loss provision to net charge-offs | 381.8681% | 784 |
| Earnings coverage of net charge-offs (x) | -9.0000% | 5,463 |
| Efficiency ratio | 190.6475% | 44 |
| Assets per employee ($millions) | 3.2184% | 5,610 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3883% | 1,434 |
| Loan loss allowance to noncurrent loans | 31.0535% | 6,105 |
| Noncurrent assets plus other real estate owned to assets | 9.2389% | 318 |
| Noncurrent loans to loans | 7.6910% | 459 |
| Net loans and leases to total assets | 74.2887% | 1,208 |
| Net loans and leases to deposits | 85.1550% | 1,705 |
| Net loans and leases to core deposits | 88.6146% | 2,135 |
| Total domestic deposits to total assets | 87.2393% | 2,626 |
| Equity capital to assets | 0.0490% | 7,241 |
| Core capital (leverage) ratio | 0.2099% | 7,241 |
| Tier 1 risk-based capital ratio | 0.3240% | 7,241 |
| Total risk-based capital ratio | 0.6480% | 7,241 |
| Memoranda: | ||
| Average total assets | $87,061,670 | 5,246 |
| Average earning assets | $78,116,670 | 5,266 |
| Average equity | $1,453,670 | 7,181 |
| Average total loans | $64,229,670 | 4,630 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5009% | 3,909 |
| Cost of funding earning assets | 0.9142% | 2,577 |
| Net interest margin | 3.5867% | 4,321 |
| Noninterest income to average assets | 1.3521% | 783 |
| Noninterest expense to average assets | 7.0533% | 138 |
| Loan and lease loss provision to assets | 0.3380% | 1,851 |
| Net operating income to assets | -2.8213% | 7,211 |
| Return on assets (ROA) | -2.8033% | 7,212 |
| Pretax return on assets | -2.8033% | 7,198 |
| Return on Equity (ROE) | -115.1852% | 7,271 |
| Retained earnings to average equity (ytd only) | -115.1852% | 7,267 |
| Net charge-offs to loans | 0.7938% | 1,294 |
| Credit loss provision to net charge-offs | 58.5938% | 3,144 |
| Earnings coverage of net charge-offs (x) | -4.3047% | 4,656 |
| Efficiency ratio | 154.3393% | 93 |
| Assets per employee ($millions) | 3.4208% | 5,296 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4863% | 4,237 |
| Loan loss allowance to noncurrent loans | 24.3815% | 6,405 |
| Noncurrent assets plus other real estate owned to assets | 7.5567% | 531 |
| Noncurrent loans to loans | 6.0962% | 822 |
| Net loans and leases to total assets | 71.2416% | 1,530 |
| Net loans and leases to deposits | 81.7619% | 1,968 |
| Net loans and leases to core deposits | 87.3009% | 2,134 |
| Total domestic deposits to total assets | 87.1330% | 2,879 |
| Equity capital to assets | 1.9732% | 7,283 |
| Core capital (leverage) ratio | 2.1357% | 7,272 |
| Tier 1 risk-based capital ratio | 3.3069% | 7,267 |
| Total risk-based capital ratio | 4.5614% | 7,270 |
| Memoranda: | ||
| Average total assets | $88,753,000 | 5,253 |
| Average earning assets | $79,628,500 | 5,251 |
| Average equity | $2,160,000 | 7,123 |
| Average total loans | $64,502,000 | 4,642 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5682% | 4,795 |
| Cost of funding earning assets | 1.2344% | 1,818 |
| Net interest margin | 3.3339% | 5,711 |
| Noninterest income to average assets | 0.8602% | 1,802 |
| Noninterest expense to average assets | 4.7127% | 485 |
| Loan and lease loss provision to assets | 1.4009% | 559 |
| Net operating income to assets | -2.2699% | 7,074 |
| Return on assets (ROA) | -2.1058% | 7,056 |
| Pretax return on assets | -2.1058% | 7,051 |
| Return on Equity (ROE) | -64.7565% | 7,260 |
| Retained earnings to average equity (ytd only) | -64.7565% | 7,260 |
| Net charge-offs to loans | 1.3739% | 1,197 |
| Credit loss provision to net charge-offs | 142.9213% | 2,034 |
| Earnings coverage of net charge-offs (x) | -0.8865% | 6,170 |
| Efficiency ratio | 122.6074% | 287 |
| Assets per employee ($millions) | 3.4063% | 5,233 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5583% | 3,760 |
| Loan loss allowance to noncurrent loans | 26.7587% | 6,364 |
| Noncurrent assets plus other real estate owned to assets | 6.3818% | 745 |
| Noncurrent loans to loans | 5.8236% | 876 |
| Net loans and leases to total assets | 71.8986% | 1,665 |
| Net loans and leases to deposits | 83.3370% | 2,019 |
| Net loans and leases to core deposits | 88.2332% | 2,350 |
| Total domestic deposits to total assets | 86.2745% | 3,153 |
| Equity capital to assets | 2.8962% | 7,284 |
| Core capital (leverage) ratio | 2.8568% | 7,276 |
| Tier 1 risk-based capital ratio | 4.4480% | 7,265 |
| Total risk-based capital ratio | 5.7047% | 7,264 |
| Memoranda: | ||
| Average total assets | $90,797,000 | 5,161 |
| Average earning assets | $81,257,000 | 5,191 |
| Average equity | $2,952,600 | 7,020 |
| Average total loans | $64,777,600 | 4,687 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5796% | 4,949 |
| Cost of funding earning assets | 1.3166% | 1,610 |
| Net interest margin | 3.2630% | 5,976 |
| Noninterest income to average assets | 0.8801% | 1,717 |
| Noninterest expense to average assets | 4.7579% | 460 |
| Loan and lease loss provision to assets | 1.7236% | 357 |
| Net operating income to assets | -2.6825% | 7,237 |
| Return on assets (ROA) | -2.5745% | 7,232 |
| Pretax return on assets | -2.5745% | 7,222 |
| Return on Equity (ROE) | -77.1254% | 7,356 |
| Retained earnings to average equity (ytd only) | -77.1254% | 7,355 |
| Net charge-offs to loans | 1.8333% | 723 |
| Credit loss provision to net charge-offs | 132.5477% | 2,402 |
| Earnings coverage of net charge-offs (x) | -0.7374% | 5,889 |
| Efficiency ratio | 125.2401% | 260 |
| Assets per employee ($millions) | 3.3766% | 5,309 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4463% | 4,347 |
| Loan loss allowance to noncurrent loans | 29.3967% | 6,287 |
| Noncurrent assets plus other real estate owned to assets | 5.9095% | 913 |
| Noncurrent loans to loans | 4.9198% | 1,276 |
| Net loans and leases to total assets | 71.1007% | 1,883 |
| Net loans and leases to deposits | 82.9215% | 2,187 |
| Net loans and leases to core deposits | 87.8549% | 2,512 |
| Total domestic deposits to total assets | 85.7446% | 3,356 |
| Equity capital to assets | 3.1199% | 7,358 |
| Core capital (leverage) ratio | 2.9479% | 7,354 |
| Tier 1 risk-based capital ratio | 4.8207% | 7,331 |
| Total risk-based capital ratio | 6.0728% | 7,332 |
| Memoranda: | ||
| Average total assets | $91,355,000 | 5,190 |
| Average earning assets | $81,723,500 | 5,225 |
| Average equity | $3,049,500 | 7,058 |
| Average total loans | $64,800,750 | 4,720 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5793% | 5,055 |
| Cost of funding earning assets | 1.3569% | 1,612 |
| Net interest margin | 3.2224% | 6,092 |
| Noninterest income to average assets | 0.6548% | 2,799 |
| Noninterest expense to average assets | 4.9707% | 381 |
| Loan and lease loss provision to assets | 2.3254% | 231 |
| Net operating income to assets | -3.7518% | 7,376 |
| Return on assets (ROA) | -3.7518% | 7,378 |
| Pretax return on assets | -3.7518% | 7,372 |
| Return on Equity (ROE) | -110.1173% | 7,445 |
| Retained earnings to average equity (ytd only) | -110.1173% | 7,445 |
| Net charge-offs to loans | 2.6988% | 410 |
| Credit loss provision to net charge-offs | 122.1339% | 2,492 |
| Earnings coverage of net charge-offs (x) | -0.7491% | 5,590 |
| Efficiency ratio | 140.2439% | 196 |
| Assets per employee ($millions) | 3.4719% | 5,009 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2838% | 5,135 |
| Loan loss allowance to noncurrent loans | 34.1372% | 6,040 |
| Noncurrent assets plus other real estate owned to assets | 4.3669% | 1,448 |
| Noncurrent loans to loans | 3.7606% | 1,863 |
| Net loans and leases to total assets | 69.9357% | 2,232 |
| Net loans and leases to deposits | 81.0536% | 2,608 |
| Net loans and leases to core deposits | 86.0764% | 2,891 |
| Total domestic deposits to total assets | 86.2834% | 3,167 |
| Equity capital to assets | 2.9235% | 7,435 |
| Core capital (leverage) ratio | 2.9045% | 7,426 |
| Tier 1 risk-based capital ratio | 4.9767% | 7,401 |
| Total risk-based capital ratio | 6.2301% | 7,402 |
| Memoranda: | ||
| Average total assets | $92,543,000 | 5,187 |
| Average earning assets | $82,981,330 | 5,231 |
| Average equity | $3,153,000 | 7,088 |
| Average total loans | $65,289,000 | 4,747 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5803% | 5,026 |
| Cost of funding earning assets | 1.4108% | 1,557 |
| Net interest margin | 3.1695% | 6,168 |
| Noninterest income to average assets | 0.5679% | 3,383 |
| Noninterest expense to average assets | 5.6619% | 233 |
| Loan and lease loss provision to assets | 4.4620% | 81 |
| Net operating income to assets | -6.7165% | 7,519 |
| Return on assets (ROA) | -6.7165% | 7,519 |
| Pretax return on assets | -6.7165% | 7,519 |
| Return on Equity (ROE) | -184.5161% | 7,534 |
| Retained earnings to average equity (ytd only) | -184.5161% | 7,530 |
| Net charge-offs to loans | 5.3489% | 136 |
| Credit loss provision to net charge-offs | 118.4807% | 2,293 |
| Earnings coverage of net charge-offs (x) | -0.5986% | 4,824 |
| Efficiency ratio | 166.1654% | 104 |
| Assets per employee ($millions) | 3.5836% | 4,794 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2292% | 5,487 |
| Loan loss allowance to noncurrent loans | 38.2267% | 5,746 |
| Noncurrent assets plus other real estate owned to assets | 4.1418% | 1,597 |
| Noncurrent loans to loans | 3.2155% | 2,334 |
| Net loans and leases to total assets | 68.0455% | 2,542 |
| Net loans and leases to deposits | 80.3233% | 2,655 |
| Net loans and leases to core deposits | 84.9536% | 3,040 |
| Total domestic deposits to total assets | 84.7145% | 4,168 |
| Equity capital to assets | 2.7637% | 7,493 |
| Core capital (leverage) ratio | 3.0248% | 7,482 |
| Tier 1 risk-based capital ratio | 5.2302% | 7,448 |
| Total risk-based capital ratio | 6.4826% | 7,448 |
| Memoranda: | ||
| Average total assets | $93,679,500 | 5,180 |
| Average earning assets | $83,925,500 | 5,235 |
| Average equity | $3,410,000 | 7,039 |
| Average total loans | $65,957,500 | 4,770 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7628% | 5,569 |
| Cost of funding earning assets | 1.6853% | 1,661 |
| Net interest margin | 3.0775% | 6,581 |
| Noninterest income to average assets | 0.6317% | 3,271 |
| Noninterest expense to average assets | 4.0519% | 1,090 |
| Loan and lease loss provision to assets | 1.0655% | 1,507 |
| Net operating income to assets | -1.7178% | 6,976 |
| Return on assets (ROA) | -1.5188% | 6,930 |
| Pretax return on assets | -1.5188% | 6,861 |
| Return on Equity (ROE) | -29.7378% | 7,226 |
| Retained earnings to average equity (ytd only) | -29.7378% | 7,213 |
| Net charge-offs to loans | 1.3622% | 1,639 |
| Credit loss provision to net charge-offs | 107.7801% | 4,113 |
| Earnings coverage of net charge-offs (x) | -0.6598% | 6,518 |
| Efficiency ratio | 119.1855% | 414 |
| Assets per employee ($millions) | 3.1395% | 5,795 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9243% | 6,650 |
| Loan loss allowance to noncurrent loans | 20.1805% | 6,804 |
| Noncurrent assets plus other real estate owned to assets | 5.0018% | 1,275 |
| Noncurrent loans to loans | 4.5802% | 1,538 |
| Net loans and leases to total assets | 71.2420% | 2,248 |
| Net loans and leases to deposits | 85.3136% | 2,221 |
| Net loans and leases to core deposits | 89.7695% | 2,802 |
| Total domestic deposits to total assets | 83.5060% | 4,601 |
| Equity capital to assets | 4.5070% | 7,478 |
| Core capital (leverage) ratio | 4.6415% | 7,447 |
| Tier 1 risk-based capital ratio | 7.5510% | 7,386 |
| Total risk-based capital ratio | 8.6226% | 7,397 |
| Memoranda: | ||
| Average total assets | $97,509,800 | 5,061 |
| Average earning assets | $87,701,000 | 5,089 |
| Average equity | $4,980,200 | 6,669 |
| Average total loans | $70,767,800 | 4,658 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7692% | 5,790 |
| Cost of funding earning assets | 1.7484% | 1,634 |
| Net interest margin | 3.0209% | 6,788 |
| Noninterest income to average assets | 0.6521% | 3,112 |
| Noninterest expense to average assets | 3.9467% | 1,124 |
| Loan and lease loss provision to assets | 1.2744% | 1,108 |
| Net operating income to assets | -1.8493% | 7,198 |
| Return on assets (ROA) | -1.7924% | 7,196 |
| Pretax return on assets | -1.7924% | 7,132 |
| Return on Equity (ROE) | -34.1328% | 7,444 |
| Retained earnings to average equity (ytd only) | -34.1328% | 7,440 |
| Net charge-offs to loans | 1.8137% | 1,061 |
| Credit loss provision to net charge-offs | 96.6084% | 4,487 |
| Earnings coverage of net charge-offs (x) | -0.4358% | 6,303 |
| Efficiency ratio | 117.0487% | 421 |
| Assets per employee ($millions) | 3.3506% | 5,329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7358% | 7,139 |
| Loan loss allowance to noncurrent loans | 15.6827% | 7,061 |
| Noncurrent assets plus other real estate owned to assets | 5.1697% | 1,223 |
| Noncurrent loans to loans | 4.6918% | 1,516 |
| Net loans and leases to total assets | 74.4884% | 1,692 |
| Net loans and leases to deposits | 89.4169% | 1,802 |
| Net loans and leases to core deposits | 93.7586% | 2,556 |
| Total domestic deposits to total assets | 83.3046% | 4,457 |
| Equity capital to assets | 5.0428% | 7,574 |
| Core capital (leverage) ratio | 4.7412% | 7,573 |
| Tier 1 risk-based capital ratio | 7.5078% | 7,515 |
| Total risk-based capital ratio | 8.4383% | 7,539 |
| Memoranda: | ||
| Average total assets | $98,340,750 | 5,099 |
| Average earning assets | $88,537,750 | 5,128 |
| Average equity | $5,164,000 | 6,695 |
| Average total loans | $71,528,250 | 4,700 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7427% | 6,003 |
| Cost of funding earning assets | 1.8331% | 1,518 |
| Net interest margin | 2.9095% | 6,995 |
| Noninterest income to average assets | 0.6410% | 3,057 |
| Noninterest expense to average assets | 3.9099% | 1,171 |
| Loan and lease loss provision to assets | 1.8207% | 682 |
| Net operating income to assets | -2.4637% | 7,408 |
| Return on assets (ROA) | -2.4096% | 7,409 |
| Pretax return on assets | -2.4096% | 7,346 |
| Return on Equity (ROE) | -45.3250% | 7,578 |
| Retained earnings to average equity (ytd only) | -45.3250% | 7,570 |
| Net charge-offs to loans | 1.9276% | 952 |
| Credit loss provision to net charge-offs | 131.1688% | 3,071 |
| Earnings coverage of net charge-offs (x) | -0.4632% | 6,004 |
| Efficiency ratio | 119.6812% | 422 |
| Assets per employee ($millions) | 3.4524% | 5,032 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0746% | 6,061 |
| Loan loss allowance to noncurrent loans | 21.9331% | 6,847 |
| Noncurrent assets plus other real estate owned to assets | 5.0007% | 1,287 |
| Noncurrent loans to loans | 4.8995% | 1,423 |
| Net loans and leases to total assets | 73.0425% | 2,155 |
| Net loans and leases to deposits | 87.8220% | 2,204 |
| Net loans and leases to core deposits | 91.2236% | 3,091 |
| Total domestic deposits to total assets | 83.1711% | 4,491 |
| Equity capital to assets | 5.0607% | 7,629 |
| Core capital (leverage) ratio | 4.7451% | 7,631 |
| Tier 1 risk-based capital ratio | 7.8973% | 7,527 |
| Total risk-based capital ratio | 9.1529% | 7,535 |
| Memoranda: | ||
| Average total assets | $99,849,000 | 5,078 |
| Average earning assets | $90,118,330 | 5,089 |
| Average equity | $5,308,330 | 6,683 |
| Average total loans | $71,904,330 | 4,721 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6898% | 6,281 |
| Cost of funding earning assets | 1.9806% | 1,155 |
| Net interest margin | 2.7092% | 7,288 |
| Noninterest income to average assets | 0.7019% | 2,591 |
| Noninterest expense to average assets | 4.1207% | 882 |
| Loan and lease loss provision to assets | 3.3241% | 285 |
| Net operating income to assets | -4.2942% | 7,735 |
| Return on assets (ROA) | -4.2429% | 7,739 |
| Pretax return on assets | -4.2429% | 7,710 |
| Return on Equity (ROE) | -78.0205% | 7,792 |
| Retained earnings to average equity (ytd only) | -78.0205% | 7,787 |
| Net charge-offs to loans | 2.3667% | 711 |
| Credit loss provision to net charge-offs | 197.4239% | 1,878 |
| Earnings coverage of net charge-offs (x) | -0.5761% | 5,307 |
| Efficiency ratio | 130.7885% | 331 |
| Assets per employee ($millions) | 3.3301% | 5,472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3461% | 4,698 |
| Loan loss allowance to noncurrent loans | 29.6899% | 6,419 |
| Noncurrent assets plus other real estate owned to assets | 4.8036% | 1,371 |
| Noncurrent loans to loans | 4.5337% | 1,649 |
| Net loans and leases to total assets | 70.9401% | 2,713 |
| Net loans and leases to deposits | 85.0090% | 2,762 |
| Net loans and leases to core deposits | 89.0050% | 3,496 |
| Total domestic deposits to total assets | 83.4501% | 4,409 |
| Equity capital to assets | 4.9427% | 7,726 |
| Core capital (leverage) ratio | 4.7077% | 7,725 |
| Tier 1 risk-based capital ratio | 7.9264% | 7,621 |
| Total risk-based capital ratio | 9.2464% | 7,623 |
| Memoranda: | ||
| Average total assets | $101,440,000 | 5,106 |
| Average earning assets | $91,688,000 | 5,112 |
| Average equity | $5,516,500 | 6,667 |
| Average total loans | $72,169,000 | 4,777 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9093% | 6,688 |
| Cost of funding earning assets | 2.2239% | 1,925 |
| Net interest margin | 2.6854% | 7,229 |
| Noninterest income to average assets | 0.6344% | 3,392 |
| Noninterest expense to average assets | 4.0738% | 1,267 |
| Loan and lease loss provision to assets | 0.4470% | 4,148 |
| Net operating income to assets | -1.4476% | 6,830 |
| Return on assets (ROA) | -2.3426% | 7,215 |
| Pretax return on assets | -2.3426% | 7,083 |
| Return on Equity (ROE) | -36.2660% | 7,507 |
| Retained earnings to average equity (ytd only) | -36.2660% | 7,495 |
| Net charge-offs to loans | 0.3278% | 4,595 |
| Credit loss provision to net charge-offs | 189.7959% | 2,113 |
| Earnings coverage of net charge-offs (x) | -4.2490% | 7,089 |
| Efficiency ratio | 132.5618% | 449 |
| Assets per employee ($millions) | 3.4325% | 5,175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7600% | 7,231 |
| Loan loss allowance to noncurrent loans | 15.0464% | 7,261 |
| Noncurrent assets plus other real estate owned to assets | 4.6768% | 1,362 |
| Noncurrent loans to loans | 5.0511% | 1,334 |
| Net loans and leases to total assets | 69.8687% | 3,284 |
| Net loans and leases to deposits | 88.1478% | 2,535 |
| Net loans and leases to core deposits | 112.3433% | 2,664 |
| Total domestic deposits to total assets | 79.2631% | 5,914 |
| Equity capital to assets | 5.9189% | 7,674 |
| Core capital (leverage) ratio | 5.7168% | 7,678 |
| Tier 1 risk-based capital ratio | 9.5759% | 7,181 |
| Total risk-based capital ratio | 10.5463% | 7,328 |
| Memoranda: | ||
| Average total assets | $104,031,200 | 4,983 |
| Average earning assets | $94,474,600 | 4,993 |
| Average equity | $6,719,800 | 6,361 |
| Average total loans | $74,736,600 | 4,698 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9878% | 6,637 |
| Cost of funding earning assets | 2.2934% | 2,005 |
| Net interest margin | 2.6944% | 7,216 |
| Noninterest income to average assets | 0.6584% | 3,304 |
| Noninterest expense to average assets | 4.0065% | 1,266 |
| Loan and lease loss provision to assets | 0.4666% | 3,570 |
| Net operating income to assets | -1.3666% | 7,047 |
| Return on assets (ROA) | -2.5747% | 7,483 |
| Pretax return on assets | -2.5747% | 7,375 |
| Return on Equity (ROE) | -39.0528% | 7,746 |
| Retained earnings to average equity (ytd only) | -39.0528% | 7,738 |
| Net charge-offs to loans | 0.1541% | 5,177 |
| Credit loss provision to net charge-offs | 419.5402% | 948 |
| Earnings coverage of net charge-offs (x) | -8.0917% | 6,891 |
| Efficiency ratio | 128.9712% | 485 |
| Assets per employee ($millions) | 3.2984% | 5,406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8243% | 7,046 |
| Loan loss allowance to noncurrent loans | 17.0397% | 7,237 |
| Noncurrent assets plus other real estate owned to assets | 4.7139% | 1,268 |
| Noncurrent loans to loans | 4.8377% | 1,405 |
| Net loans and leases to total assets | 71.6560% | 3,118 |
| Net loans and leases to deposits | 91.3556% | 2,339 |
| Net loans and leases to core deposits | 115.5116% | 2,672 |
| Total domestic deposits to total assets | 78.4364% | 5,969 |
| Equity capital to assets | 6.4009% | 7,785 |
| Core capital (leverage) ratio | 6.0380% | 7,793 |
| Tier 1 risk-based capital ratio | 10.5679% | 6,393 |
| Total risk-based capital ratio | 11.6667% | 6,501 |
| Memoranda: | ||
| Average total assets | $104,295,000 | 5,007 |
| Average earning assets | $94,762,250 | 5,014 |
| Average equity | $6,876,000 | 6,365 |
| Average total loans | $75,296,000 | 4,724 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0729% | 6,535 |
| Cost of funding earning assets | 2.3644% | 2,106 |
| Net interest margin | 2.7085% | 7,179 |
| Noninterest income to average assets | 0.6420% | 3,398 |
| Noninterest expense to average assets | 4.0714% | 1,227 |
| Loan and lease loss provision to assets | 0.6497% | 2,485 |
| Net operating income to assets | -1.6194% | 7,298 |
| Return on assets (ROA) | -3.3436% | 7,733 |
| Pretax return on assets | -3.3436% | 7,644 |
| Return on Equity (ROE) | -50.2410% | 7,913 |
| Retained earnings to average equity (ytd only) | -50.2410% | 7,909 |
| Net charge-offs to loans | 0.0053% | 6,534 |
| Credit loss provision to net charge-offs | 17,050.0000% | 23 |
| Earnings coverage of net charge-offs (x) | -254.5000% | 6,621 |
| Efficiency ratio | 131.2654% | 515 |
| Assets per employee ($millions) | 3.3701% | 5,137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9053% | 6,745 |
| Loan loss allowance to noncurrent loans | 25.5725% | 6,806 |
| Noncurrent assets plus other real estate owned to assets | 3.7005% | 1,663 |
| Noncurrent loans to loans | 3.5400% | 1,979 |
| Net loans and leases to total assets | 70.2025% | 3,646 |
| Net loans and leases to deposits | 88.7123% | 3,053 |
| Net loans and leases to core deposits | 109.5262% | 3,428 |
| Total domestic deposits to total assets | 79.1351% | 5,771 |
| Equity capital to assets | 6.2763% | 7,874 |
| Core capital (leverage) ratio | 6.2144% | 7,879 |
| Tier 1 risk-based capital ratio | 11.0895% | 5,787 |
| Total risk-based capital ratio | 12.2480% | 5,809 |
| Memoranda: | ||
| Average total assets | $104,976,330 | 5,017 |
| Average earning assets | $95,329,670 | 5,027 |
| Average equity | $6,986,330 | 6,377 |
| Average total loans | $75,768,670 | 4,744 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1978% | 6,302 |
| Cost of funding earning assets | 2.4396% | 2,143 |
| Net interest margin | 2.7582% | 7,077 |
| Noninterest income to average assets | 0.2889% | 6,127 |
| Noninterest expense to average assets | 4.1852% | 958 |
| Loan and lease loss provision to assets | 1.2012% | 1,078 |
| Net operating income to assets | -2.5963% | 7,787 |
| Return on assets (ROA) | -5.8311% | 8,072 |
| Pretax return on assets | -5.8311% | 8,039 |
| Return on Equity (ROE) | -85.2104% | 8,132 |
| Retained earnings to average equity (ytd only) | -85.2104% | 8,124 |
| Net charge-offs to loans | 0.0157% | 5,360 |
| Credit loss provision to net charge-offs | 10,533.3333% | 54 |
| Earnings coverage of net charge-offs (x) | -122.3333% | 5,715 |
| Efficiency ratio | 150.0000% | 352 |
| Assets per employee ($millions) | 3.1518% | 5,734 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8514% | 6,960 |
| Loan loss allowance to noncurrent loans | 54.3919% | 4,925 |
| Noncurrent assets plus other real estate owned to assets | 2.2676% | 2,529 |
| Noncurrent loans to loans | 1.5653% | 3,936 |
| Net loans and leases to total assets | 69.9847% | 3,672 |
| Net loans and leases to deposits | 91.4664% | 2,698 |
| Net loans and leases to core deposits | 112.8980% | 3,116 |
| Total domestic deposits to total assets | 76.5141% | 6,398 |
| Equity capital to assets | 6.3278% | 7,926 |
| Core capital (leverage) ratio | 6.3844% | 7,917 |
| Tier 1 risk-based capital ratio | 10.7218% | 6,164 |
| Total risk-based capital ratio | 11.7376% | 6,325 |
| Memoranda: | ||
| Average total assets | $105,228,500 | 5,034 |
| Average earning assets | $95,425,500 | 5,041 |
| Average equity | $7,201,000 | 6,337 |
| Average total loans | $76,647,000 | 4,743 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7146% | 6,729 |
| Cost of funding earning assets | 2.7273% | 3,031 |
| Net interest margin | 2.9873% | 6,946 |
| Noninterest income to average assets | 0.9765% | 1,668 |
| Noninterest expense to average assets | 4.1566% | 1,195 |
| Loan and lease loss provision to assets | 0.0591% | 6,670 |
| Net operating income to assets | -0.5225% | 6,934 |
| Return on assets (ROA) | -1.0703% | 7,212 |
| Pretax return on assets | -1.0703% | 7,043 |
| Return on Equity (ROE) | -13.4144% | 7,514 |
| Retained earnings to average equity (ytd only) | -13.4144% | 7,363 |
| Net charge-offs to loans | 0.1559% | 4,634 |
| Credit loss provision to net charge-offs | 50.8065% | 6,346 |
| Earnings coverage of net charge-offs (x) | -3.9839% | 6,804 |
| Efficiency ratio | 112.5476% | 661 |
| Assets per employee ($millions) | 2.7918% | 6,573 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4263% | 7,948 |
| Loan loss allowance to noncurrent loans | 35.8613% | 6,345 |
| Noncurrent assets plus other real estate owned to assets | 2.1482% | 2,286 |
| Noncurrent loans to loans | 1.1886% | 4,130 |
| Net loans and leases to total assets | 74.8555% | 2,911 |
| Net loans and leases to deposits | 99.8992% | 1,842 |
| Net loans and leases to core deposits | 122.4728% | 2,455 |
| Total domestic deposits to total assets | 74.9310% | 6,468 |
| Equity capital to assets | 7.3779% | 7,484 |
| Core capital (leverage) ratio | 7.0898% | 7,623 |
| Tier 1 risk-based capital ratio | 11.6435% | 5,107 |
| Total risk-based capital ratio | 12.1590% | 5,725 |
| Memoranda: | ||
| Average total assets | $106,601,600 | 4,863 |
| Average earning assets | $96,944,400 | 4,894 |
| Average equity | $8,505,800 | 5,904 |
| Average total loans | $79,520,400 | 4,534 |