Home > West Chester Savings Bank > Performance and Condition Ratios
West Chester Savings Bank, Performance and Condition Ratios
| 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 | 4.1063% | 3,715 |
| Cost of funding earning assets | 0.6275% | 2,705 |
| Net interest margin | 3.4788% | 3,877 |
| Noninterest income to average assets | 0.8204% | 2,106 |
| Noninterest expense to average assets | 3.4323% | 1,755 |
| Loan and lease loss provision to assets | 0.1256% | 2,752 |
| Net operating income to assets | 0.4563% | 4,985 |
| Return on assets (ROA) | 0.4604% | 5,142 |
| Pretax return on assets | 0.4688% | 5,465 |
| Return on Equity (ROE) | 4.5433% | 4,976 |
| Retained earnings to average equity (ytd only) | 4.5433% | 3,379 |
| Net charge-offs to loans | 0.2411% | 2,275 |
| Credit loss provision to net charge-offs | 90.9091% | 2,418 |
| Earnings coverage of net charge-offs (x) | 4.2727% | 3,174 |
| Efficiency ratio | 85.3278% | 1,483 |
| Assets per employee ($millions) | 3.8097% | 4,189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6834% | 802 |
| Loan loss allowance to noncurrent loans | 144.2495% | 2,605 |
| Noncurrent assets plus other real estate owned to assets | 1.3496% | 3,075 |
| Noncurrent loans to loans | 1.8602% | 2,546 |
| Net loans and leases to total assets | 58.7037% | 3,873 |
| Net loans and leases to deposits | 66.6493% | 4,191 |
| Net loans and leases to core deposits | 69.0536% | 4,385 |
| Total domestic deposits to total assets | 88.0786% | 2,193 |
| Equity capital to assets | 10.4230% | 3,398 |
| Core capital (leverage) ratio | 8.2060% | 6,000 |
| Tier 1 risk-based capital ratio | 11.7966% | 5,915 |
| Total risk-based capital ratio | 13.0613% | 5,857 |
| Memoranda: | ||
| Average total assets | $47,781,670 | 6,187 |
| Average earning assets | $43,981,000 | 6,159 |
| Average equity | $4,842,330 | 6,230 |
| Average total loans | $27,370,000 | 5,967 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0656% | 3,867 |
| Cost of funding earning assets | 0.6344% | 2,797 |
| Net interest margin | 3.4312% | 4,004 |
| Noninterest income to average assets | 0.7539% | 2,320 |
| Noninterest expense to average assets | 3.2204% | 2,290 |
| Loan and lease loss provision to assets | 0.1229% | 2,693 |
| Net operating income to assets | 0.5088% | 4,613 |
| Return on assets (ROA) | 0.5162% | 4,724 |
| Pretax return on assets | 0.5654% | 5,064 |
| Return on Equity (ROE) | 5.1629% | 4,487 |
| Retained earnings to average equity (ytd only) | 5.1629% | 3,137 |
| Net charge-offs to loans | 0.2494% | 1,962 |
| Credit loss provision to net charge-offs | 88.2353% | 2,048 |
| Earnings coverage of net charge-offs (x) | 4.8824% | 2,460 |
| Efficiency ratio | 82.5630% | 1,955 |
| Assets per employee ($millions) | 3.9247% | 4,113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7374% | 876 |
| Loan loss allowance to noncurrent loans | 197.6000% | 1,919 |
| Noncurrent assets plus other real estate owned to assets | 1.1445% | 3,653 |
| Noncurrent loans to loans | 1.3853% | 3,487 |
| Net loans and leases to total assets | 55.9028% | 4,099 |
| Net loans and leases to deposits | 64.2507% | 4,287 |
| Net loans and leases to core deposits | 65.6837% | 4,569 |
| Total domestic deposits to total assets | 87.0074% | 2,956 |
| Equity capital to assets | 10.3809% | 3,695 |
| Core capital (leverage) ratio | 7.8718% | 6,243 |
| Tier 1 risk-based capital ratio | 11.8439% | 6,000 |
| Total risk-based capital ratio | 13.1092% | 5,966 |
| Memoranda: | ||
| Average total assets | $48,814,500 | 6,211 |
| Average earning assets | $44,765,500 | 6,195 |
| Average equity | $4,881,000 | 6,284 |
| Average total loans | $27,266,500 | 6,012 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3001% | 4,187 |
| Cost of funding earning assets | 0.8884% | 2,002 |
| Net interest margin | 3.4117% | 4,840 |
| Noninterest income to average assets | 0.7520% | 2,484 |
| Noninterest expense to average assets | 4.6376% | 501 |
| Loan and lease loss provision to assets | 0.1861% | 3,314 |
| Net operating income to assets | -0.4191% | 6,528 |
| Return on assets (ROA) | -0.3878% | 6,552 |
| Pretax return on assets | -0.8715% | 6,697 |
| Return on Equity (ROE) | -4.0205% | 6,552 |
| Retained earnings to average equity (ytd only) | -4.0205% | 6,362 |
| Net charge-offs to loans | 0.8945% | 1,274 |
| Credit loss provision to net charge-offs | 37.8486% | 4,974 |
| Earnings coverage of net charge-offs (x) | -1.4940% | 5,806 |
| Efficiency ratio | 118.8159% | 222 |
| Assets per employee ($millions) | 4.2111% | 3,528 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7054% | 916 |
| Loan loss allowance to noncurrent loans | 154.7917% | 2,301 |
| Noncurrent assets plus other real estate owned to assets | 1.3377% | 3,404 |
| Noncurrent loans to loans | 1.7477% | 2,992 |
| Net loans and leases to total assets | 52.8783% | 4,778 |
| Net loans and leases to deposits | 61.6629% | 4,822 |
| Net loans and leases to core deposits | 62.9589% | 5,067 |
| Total domestic deposits to total assets | 85.7539% | 3,484 |
| Equity capital to assets | 9.6432% | 4,672 |
| Core capital (leverage) ratio | 7.1857% | 6,641 |
| Tier 1 risk-based capital ratio | 11.2649% | 6,237 |
| Total risk-based capital ratio | 12.5270% | 6,196 |
| Memoranda: | ||
| Average total assets | $51,061,000 | 6,180 |
| Average earning assets | $47,161,600 | 6,147 |
| Average equity | $4,924,800 | 6,314 |
| Average total loans | $28,059,000 | 6,035 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3214% | 4,364 |
| Cost of funding earning assets | 0.9312% | 1,969 |
| Net interest margin | 3.3901% | 5,066 |
| Noninterest income to average assets | 0.7084% | 2,666 |
| Noninterest expense to average assets | 3.3598% | 2,104 |
| Loan and lease loss provision to assets | 0.2083% | 2,993 |
| Net operating income to assets | 0.3308% | 5,506 |
| Return on assets (ROA) | 0.3334% | 5,701 |
| Pretax return on assets | 0.2813% | 5,992 |
| Return on Equity (ROE) | 3.4562% | 5,509 |
| Retained earnings to average equity (ytd only) | 3.4562% | 4,432 |
| Net charge-offs to loans | 1.0446% | 1,007 |
| Credit loss provision to net charge-offs | 36.1991% | 4,698 |
| Earnings coverage of net charge-offs (x) | 0.8462% | 4,906 |
| Efficiency ratio | 87.3392% | 1,266 |
| Assets per employee ($millions) | 4.2891% | 3,294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6997% | 982 |
| Loan loss allowance to noncurrent loans | 170.3371% | 2,037 |
| Noncurrent assets plus other real estate owned to assets | 1.1249% | 4,044 |
| Noncurrent loans to loans | 1.5849% | 3,410 |
| Net loans and leases to total assets | 53.0786% | 4,899 |
| Net loans and leases to deposits | 64.4103% | 4,668 |
| Net loans and leases to core deposits | 65.7909% | 4,973 |
| Total domestic deposits to total assets | 82.4069% | 4,871 |
| Equity capital to assets | 9.7923% | 4,794 |
| Core capital (leverage) ratio | 8.2377% | 6,095 |
| Tier 1 risk-based capital ratio | 12.9911% | 5,261 |
| Total risk-based capital ratio | 14.2542% | 5,209 |
| Memoranda: | ||
| Average total assets | $51,193,000 | 6,245 |
| Average earning assets | $47,391,250 | 6,211 |
| Average equity | $4,937,750 | 6,377 |
| Average total loans | $28,207,750 | 6,103 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3349% | 4,435 |
| Cost of funding earning assets | 0.9694% | 1,937 |
| Net interest margin | 3.3655% | 5,216 |
| Noninterest income to average assets | 0.6106% | 3,191 |
| Noninterest expense to average assets | 3.3894% | 2,056 |
| Loan and lease loss provision to assets | 0.1957% | 3,124 |
| Net operating income to assets | 0.2348% | 5,810 |
| Return on assets (ROA) | 0.2348% | 5,999 |
| Pretax return on assets | 0.1370% | 6,246 |
| Return on Equity (ROE) | 2.4471% | 5,896 |
| Retained earnings to average equity (ytd only) | 2.4471% | 4,963 |
| Net charge-offs to loans | 1.4229% | 712 |
| Credit loss provision to net charge-offs | 24.8756% | 4,531 |
| Earnings coverage of net charge-offs (x) | 0.4229% | 4,865 |
| Efficiency ratio | 91.0620% | 987 |
| Assets per employee ($millions) | 4.2768% | 3,294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6634% | 1,080 |
| Loan loss allowance to noncurrent loans | 128.5223% | 2,556 |
| Noncurrent assets plus other real estate owned to assets | 1.6562% | 3,235 |
| Noncurrent loans to loans | 2.0724% | 2,860 |
| Net loans and leases to total assets | 53.2637% | 4,923 |
| Net loans and leases to deposits | 63.2236% | 4,854 |
| Net loans and leases to core deposits | 64.6043% | 5,143 |
| Total domestic deposits to total assets | 84.2465% | 4,212 |
| Equity capital to assets | 9.6528% | 4,826 |
| Core capital (leverage) ratio | 8.1810% | 6,068 |
| Tier 1 risk-based capital ratio | 12.7392% | 5,386 |
| Total risk-based capital ratio | 14.0014% | 5,347 |
| Memoranda: | ||
| Average total assets | $51,101,000 | 6,288 |
| Average earning assets | $47,244,670 | 6,255 |
| Average equity | $4,903,670 | 6,412 |
| Average total loans | $28,251,330 | 6,138 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4058% | 4,308 |
| Cost of funding earning assets | 1.0056% | 1,948 |
| Net interest margin | 3.4002% | 5,121 |
| Noninterest income to average assets | 0.7217% | 2,549 |
| Noninterest expense to average assets | 3.4673% | 1,829 |
| Loan and lease loss provision to assets | 0.1569% | 3,418 |
| Net operating income to assets | 0.2981% | 5,666 |
| Return on assets (ROA) | 0.2981% | 5,831 |
| Pretax return on assets | 0.2275% | 6,141 |
| Return on Equity (ROE) | 3.1157% | 5,674 |
| Retained earnings to average equity (ytd only) | 3.1157% | 4,694 |
| Net charge-offs to loans | 2.6116% | 312 |
| Credit loss provision to net charge-offs | 10.8108% | 3,893 |
| Earnings coverage of net charge-offs (x) | 0.2649% | 4,229 |
| Efficiency ratio | 90.0204% | 1,096 |
| Assets per employee ($millions) | 3.9772% | 4,064 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6021% | 1,220 |
| Loan loss allowance to noncurrent loans | 167.1982% | 1,953 |
| Noncurrent assets plus other real estate owned to assets | 1.4641% | 3,666 |
| Noncurrent loans to loans | 1.5563% | 3,779 |
| Net loans and leases to total assets | 53.1381% | 4,861 |
| Net loans and leases to deposits | 62.8624% | 4,790 |
| Net loans and leases to core deposits | 64.6751% | 5,044 |
| Total domestic deposits to total assets | 84.5309% | 4,255 |
| Equity capital to assets | 9.4095% | 4,945 |
| Core capital (leverage) ratio | 8.3024% | 5,868 |
| Tier 1 risk-based capital ratio | 12.7010% | 5,443 |
| Total risk-based capital ratio | 13.9645% | 5,390 |
| Memoranda: | ||
| Average total assets | $50,990,500 | 6,339 |
| Average earning assets | $46,938,000 | 6,299 |
| Average equity | $4,878,500 | 6,459 |
| Average total loans | $28,335,000 | 6,189 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9793% | 2,972 |
| Cost of funding earning assets | 1.2065% | 1,986 |
| Net interest margin | 3.7728% | 3,964 |
| Noninterest income to average assets | 0.7714% | 2,223 |
| Noninterest expense to average assets | 3.4541% | 2,108 |
| Loan and lease loss provision to assets | 0.3021% | 3,252 |
| Net operating income to assets | 0.4612% | 4,587 |
| Return on assets (ROA) | 0.4612% | 4,790 |
| Pretax return on assets | 0.4854% | 5,033 |
| Return on Equity (ROE) | 4.8856% | 4,449 |
| Retained earnings to average equity (ytd only) | 4.8856% | 2,725 |
| Net charge-offs to loans | 0.2185% | 4,421 |
| Credit loss provision to net charge-offs | 230.7692% | 1,052 |
| Earnings coverage of net charge-offs (x) | 6.0154% | 2,618 |
| Efficiency ratio | 81.4340% | 2,094 |
| Assets per employee ($millions) | 3.8675% | 4,164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1586% | 705 |
| Loan loss allowance to noncurrent loans | 231.1054% | 1,438 |
| Noncurrent assets plus other real estate owned to assets | 1.3724% | 3,946 |
| Noncurrent loans to loans | 1.3667% | 4,094 |
| Net loans and leases to total assets | 54.8212% | 4,906 |
| Net loans and leases to deposits | 65.8897% | 4,748 |
| Net loans and leases to core deposits | 68.3844% | 4,982 |
| Total domestic deposits to total assets | 83.2014% | 4,666 |
| Equity capital to assets | 9.7299% | 4,549 |
| Core capital (leverage) ratio | 8.7924% | 5,118 |
| Tier 1 risk-based capital ratio | 13.8022% | 4,477 |
| Total risk-based capital ratio | 15.0718% | 4,417 |
| Memoranda: | ||
| Average total assets | $49,651,200 | 6,380 |
| Average earning assets | $45,669,400 | 6,342 |
| Average equity | $4,687,200 | 6,535 |
| Average total loans | $29,746,400 | 6,170 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0370% | 2,904 |
| Cost of funding earning assets | 1.2307% | 2,118 |
| Net interest margin | 3.8062% | 3,841 |
| Noninterest income to average assets | 0.7246% | 2,455 |
| Noninterest expense to average assets | 3.3888% | 2,220 |
| Loan and lease loss provision to assets | 0.3637% | 2,686 |
| Net operating income to assets | 0.4364% | 4,831 |
| Return on assets (ROA) | 0.4364% | 5,026 |
| Pretax return on assets | 0.4795% | 5,225 |
| Return on Equity (ROE) | 4.6590% | 4,691 |
| Retained earnings to average equity (ytd only) | 4.6590% | 3,410 |
| Net charge-offs to loans | 0.0222% | 5,837 |
| Credit loss provision to net charge-offs | 2,700.0000% | 106 |
| Earnings coverage of net charge-offs (x) | 62.5667% | 528 |
| Efficiency ratio | 80.0764% | 2,245 |
| Assets per employee ($millions) | 3.8176% | 4,270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2363% | 698 |
| Loan loss allowance to noncurrent loans | 209.3126% | 1,496 |
| Noncurrent assets plus other real estate owned to assets | 1.6845% | 3,559 |
| Noncurrent loans to loans | 1.5462% | 3,962 |
| Net loans and leases to total assets | 56.8720% | 4,703 |
| Net loans and leases to deposits | 67.7492% | 4,656 |
| Net loans and leases to core deposits | 70.2324% | 4,924 |
| Total domestic deposits to total assets | 83.9449% | 4,255 |
| Equity capital to assets | 9.7544% | 4,699 |
| Core capital (leverage) ratio | 8.8010% | 5,264 |
| Tier 1 risk-based capital ratio | 13.2766% | 4,893 |
| Total risk-based capital ratio | 14.5322% | 4,865 |
| Memoranda: | ||
| Average total assets | $49,494,500 | 6,436 |
| Average earning assets | $45,608,500 | 6,398 |
| Average equity | $4,636,000 | 6,602 |
| Average total loans | $30,067,500 | 6,214 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0724% | 2,814 |
| Cost of funding earning assets | 1.2472% | 2,266 |
| Net interest margin | 3.8252% | 3,667 |
| Noninterest income to average assets | 0.8332% | 1,878 |
| Noninterest expense to average assets | 3.3569% | 2,380 |
| Loan and lease loss provision to assets | 0.3640% | 2,609 |
| Net operating income to assets | 0.5339% | 4,359 |
| Return on assets (ROA) | 0.5339% | 4,504 |
| Pretax return on assets | 0.6350% | 4,634 |
| Return on Equity (ROE) | 5.7798% | 4,070 |
| Retained earnings to average equity (ytd only) | 5.7798% | 2,549 |
| Net charge-offs to loans | 0.0395% | 5,298 |
| Credit loss provision to net charge-offs | 1,500.0000% | 227 |
| Earnings coverage of net charge-offs (x) | 41.1667% | 730 |
| Efficiency ratio | 77.0659% | 2,850 |
| Assets per employee ($millions) | 3.8578% | 4,074 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0148% | 888 |
| Loan loss allowance to noncurrent loans | 287.8205% | 1,093 |
| Noncurrent assets plus other real estate owned to assets | 1.3200% | 4,268 |
| Noncurrent loans to loans | 1.0475% | 4,901 |
| Net loans and leases to total assets | 57.6020% | 4,709 |
| Net loans and leases to deposits | 68.4323% | 4,643 |
| Net loans and leases to core deposits | 70.3830% | 5,027 |
| Total domestic deposits to total assets | 84.1738% | 4,276 |
| Equity capital to assets | 9.4215% | 4,937 |
| Core capital (leverage) ratio | 8.5147% | 5,527 |
| Tier 1 risk-based capital ratio | 12.8585% | 5,035 |
| Total risk-based capital ratio | 14.1249% | 4,994 |
| Memoranda: | ||
| Average total assets | $49,449,670 | 6,497 |
| Average earning assets | $45,540,670 | 6,455 |
| Average equity | $4,567,670 | 6,663 |
| Average total loans | $30,367,000 | 6,264 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0435% | 2,888 |
| Cost of funding earning assets | 1.2609% | 2,423 |
| Net interest margin | 3.7826% | 3,693 |
| Noninterest income to average assets | 0.7984% | 2,043 |
| Noninterest expense to average assets | 3.3320% | 2,460 |
| Loan and lease loss provision to assets | 0.3666% | 2,368 |
| Net operating income to assets | 0.4888% | 4,527 |
| Return on assets (ROA) | 0.4888% | 4,614 |
| Pretax return on assets | 0.5703% | 4,800 |
| Return on Equity (ROE) | 5.3464% | 4,213 |
| Retained earnings to average equity (ytd only) | 5.3464% | 2,971 |
| Net charge-offs to loans | -0.4045% | 7,385 |
| Credit loss provision to net charge-offs | -145.1613% | 5,771 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0534% | 2,836 |
| Assets per employee ($millions) | 3.8365% | 4,222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9181% | 990 |
| Loan loss allowance to noncurrent loans | 158.3630% | 1,843 |
| Noncurrent assets plus other real estate owned to assets | 1.8366% | 3,515 |
| Noncurrent loans to loans | 1.8427% | 3,768 |
| Net loans and leases to total assets | 59.3664% | 4,395 |
| Net loans and leases to deposits | 70.2234% | 4,314 |
| Net loans and leases to core deposits | 72.1414% | 4,770 |
| Total domestic deposits to total assets | 84.5393% | 4,252 |
| Equity capital to assets | 9.0586% | 5,116 |
| Core capital (leverage) ratio | 8.6964% | 5,086 |
| Tier 1 risk-based capital ratio | 12.3523% | 5,393 |
| Total risk-based capital ratio | 13.6191% | 5,367 |
| Memoranda: | ||
| Average total assets | $49,099,000 | 6,554 |
| Average earning assets | $45,048,000 | 6,523 |
| Average equity | $4,489,000 | 6,712 |
| Average total loans | $30,657,500 | 6,311 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4072% | 2,637 |
| Cost of funding earning assets | 1.4148% | 3,167 |
| Net interest margin | 3.9925% | 3,050 |
| Noninterest income to average assets | 0.7735% | 2,413 |
| Noninterest expense to average assets | 3.2197% | 3,012 |
| Loan and lease loss provision to assets | 1.8357% | 750 |
| Net operating income to assets | -0.2313% | 6,147 |
| Return on assets (ROA) | -0.1733% | 6,136 |
| Pretax return on assets | -0.4950% | 6,319 |
| Return on Equity (ROE) | -1.7819% | 6,148 |
| Retained earnings to average equity (ytd only) | -1.7819% | 5,932 |
| Net charge-offs to loans | 2.1824% | 897 |
| Credit loss provision to net charge-offs | 127.3247% | 3,160 |
| Earnings coverage of net charge-offs (x) | 0.8670% | 5,267 |
| Efficiency ratio | 72.0351% | 3,786 |
| Assets per employee ($millions) | 4.0269% | 3,729 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6415% | 1,240 |
| Loan loss allowance to noncurrent loans | 158.9844% | 1,877 |
| Noncurrent assets plus other real estate owned to assets | 1.8335% | 3,586 |
| Noncurrent loans to loans | 1.6615% | 4,011 |
| Net loans and leases to total assets | 62.0864% | 4,269 |
| Net loans and leases to deposits | 73.5758% | 4,261 |
| Net loans and leases to core deposits | 75.0857% | 4,842 |
| Total domestic deposits to total assets | 84.3842% | 4,185 |
| Equity capital to assets | 9.2296% | 4,792 |
| Core capital (leverage) ratio | 8.7000% | 5,023 |
| Tier 1 risk-based capital ratio | 12.4604% | 5,060 |
| Total risk-based capital ratio | 13.7291% | 5,025 |
| Memoranda: | ||
| Average total assets | $48,483,200 | 6,591 |
| Average earning assets | $44,884,200 | 6,541 |
| Average equity | $4,714,000 | 6,753 |
| Average total loans | $32,028,800 | 6,313 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4824% | 2,507 |
| Cost of funding earning assets | 1.4357% | 3,363 |
| Net interest margin | 4.0467% | 2,875 |
| Noninterest income to average assets | 0.7144% | 2,742 |
| Noninterest expense to average assets | 3.2121% | 2,881 |
| Loan and lease loss provision to assets | 0.9315% | 1,616 |
| Net operating income to assets | 0.2994% | 5,173 |
| Return on assets (ROA) | 0.4094% | 4,890 |
| Pretax return on assets | 0.4479% | 5,080 |
| Return on Equity (ROE) | 4.1582% | 4,698 |
| Retained earnings to average equity (ytd only) | 4.1582% | 3,548 |
| Net charge-offs to loans | 1.2990% | 1,568 |
| Credit loss provision to net charge-offs | 107.6190% | 3,963 |
| Earnings coverage of net charge-offs (x) | 1.4540% | 4,640 |
| Efficiency ratio | 71.8500% | 3,731 |
| Assets per employee ($millions) | 4.0450% | 3,743 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0866% | 2,034 |
| Loan loss allowance to noncurrent loans | 75.5841% | 3,555 |
| Noncurrent assets plus other real estate owned to assets | 2.1549% | 3,263 |
| Noncurrent loans to loans | 2.7607% | 2,878 |
| Net loans and leases to total assets | 62.5464% | 4,420 |
| Net loans and leases to deposits | 74.8318% | 4,371 |
| Net loans and leases to core deposits | 77.4589% | 4,867 |
| Total domestic deposits to total assets | 83.5826% | 4,328 |
| Equity capital to assets | 10.1030% | 4,015 |
| Core capital (leverage) ratio | 9.0317% | 4,642 |
| Tier 1 risk-based capital ratio | 12.9182% | 4,640 |
| Total risk-based capital ratio | 14.1765% | 4,616 |
| Memoranda: | ||
| Average total assets | $48,523,250 | 6,669 |
| Average earning assets | $45,040,000 | 6,615 |
| Average equity | $4,777,500 | 6,820 |
| Average total loans | $32,332,000 | 6,376 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5192% | 2,444 |
| Cost of funding earning assets | 1.4585% | 3,509 |
| Net interest margin | 4.0607% | 2,746 |
| Noninterest income to average assets | 0.6431% | 3,045 |
| Noninterest expense to average assets | 3.1123% | 3,255 |
| Loan and lease loss provision to assets | 0.2597% | 4,337 |
| Net operating income to assets | 0.7704% | 3,108 |
| Return on assets (ROA) | 0.9028% | 2,658 |
| Pretax return on assets | 1.2284% | 2,324 |
| Return on Equity (ROE) | 9.2496% | 2,368 |
| Retained earnings to average equity (ytd only) | 9.2496% | 1,032 |
| Net charge-offs to loans | 0.1465% | 4,768 |
| Credit loss provision to net charge-offs | 262.5000% | 1,446 |
| Earnings coverage of net charge-offs (x) | 13.2083% | 1,607 |
| Efficiency ratio | 70.4291% | 4,106 |
| Assets per employee ($millions) | 4.0986% | 3,584 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0831% | 2,001 |
| Loan loss allowance to noncurrent loans | 76.7981% | 3,536 |
| Noncurrent assets plus other real estate owned to assets | 1.7526% | 3,824 |
| Noncurrent loans to loans | 2.7125% | 2,942 |
| Net loans and leases to total assets | 63.2678% | 4,403 |
| Net loans and leases to deposits | 75.5689% | 4,409 |
| Net loans and leases to core deposits | 79.7933% | 4,715 |
| Total domestic deposits to total assets | 83.7220% | 4,235 |
| Equity capital to assets | 9.8876% | 4,157 |
| Core capital (leverage) ratio | 9.1718% | 4,339 |
| Tier 1 risk-based capital ratio | 12.9405% | 4,500 |
| Total risk-based capital ratio | 14.1984% | 4,445 |
| Memoranda: | ||
| Average total assets | $48,517,670 | 6,715 |
| Average earning assets | $45,115,000 | 6,661 |
| Average equity | $4,735,330 | 6,867 |
| Average total loans | $32,773,670 | 6,394 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6191% | 2,078 |
| Cost of funding earning assets | 1.5032% | 3,531 |
| Net interest margin | 4.1159% | 2,372 |
| Noninterest income to average assets | 0.6309% | 3,074 |
| Noninterest expense to average assets | 3.1296% | 3,141 |
| Loan and lease loss provision to assets | 0.2656% | 3,900 |
| Net operating income to assets | 0.7969% | 2,976 |
| Return on assets (ROA) | 0.7969% | 3,082 |
| Pretax return on assets | 1.0543% | 2,894 |
| Return on Equity (ROE) | 8.2201% | 2,773 |
| Retained earnings to average equity (ytd only) | 8.2201% | 1,614 |
| Net charge-offs to loans | 0.0601% | 4,813 |
| Credit loss provision to net charge-offs | 640.0000% | 683 |
| Earnings coverage of net charge-offs (x) | 31.8000% | 840 |
| Efficiency ratio | 70.3358% | 4,239 |
| Assets per employee ($millions) | 3.9894% | 3,895 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9677% | 2,270 |
| Loan loss allowance to noncurrent loans | 70.4989% | 3,831 |
| Noncurrent assets plus other real estate owned to assets | 1.9259% | 3,594 |
| Noncurrent loans to loans | 2.7911% | 2,867 |
| Net loans and leases to total assets | 67.6456% | 3,478 |
| Net loans and leases to deposits | 80.9863% | 3,465 |
| Net loans and leases to core deposits | 84.5226% | 4,131 |
| Total domestic deposits to total assets | 83.5272% | 4,373 |
| Equity capital to assets | 9.9096% | 3,976 |
| Core capital (leverage) ratio | 9.0439% | 4,489 |
| Tier 1 risk-based capital ratio | 12.5903% | 4,647 |
| Total risk-based capital ratio | 13.8519% | 4,602 |
| Memoranda: | ||
| Average total assets | $48,185,000 | 6,795 |
| Average earning assets | $44,704,500 | 6,750 |
| Average equity | $4,671,500 | 6,955 |
| Average total loans | $33,271,000 | 6,452 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8219% | 2,568 |
| Cost of funding earning assets | 1.9159% | 3,377 |
| Net interest margin | 3.9060% | 3,245 |
| Noninterest income to average assets | 0.5393% | 4,115 |
| Noninterest expense to average assets | 3.0290% | 4,031 |
| Loan and lease loss provision to assets | 0.5758% | 3,502 |
| Net operating income to assets | 0.4866% | 3,784 |
| Return on assets (ROA) | 0.4866% | 3,883 |
| Pretax return on assets | 0.5636% | 4,006 |
| Return on Equity (ROE) | 5.3516% | 3,502 |
| Retained earnings to average equity (ytd only) | 5.3516% | 1,647 |
| Net charge-offs to loans | 0.2941% | 4,794 |
| Credit loss provision to net charge-offs | 292.7835% | 1,139 |
| Earnings coverage of net charge-offs (x) | 5.7938% | 2,498 |
| Efficiency ratio | 72.6654% | 4,153 |
| Assets per employee ($millions) | 3.7305% | 4,450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8593% | 2,379 |
| Loan loss allowance to noncurrent loans | 98.2650% | 2,851 |
| Noncurrent assets plus other real estate owned to assets | 1.3073% | 4,472 |
| Noncurrent loans to loans | 1.8921% | 3,814 |
| Net loans and leases to total assets | 67.8083% | 3,744 |
| Net loans and leases to deposits | 83.1795% | 3,425 |
| Net loans and leases to core deposits | 97.8371% | 4,239 |
| Total domestic deposits to total assets | 81.5205% | 5,144 |
| Equity capital to assets | 9.4831% | 4,435 |
| Core capital (leverage) ratio | 8.7711% | 4,807 |
| Tier 1 risk-based capital ratio | 12.0042% | 4,943 |
| Total risk-based capital ratio | 13.2594% | 4,894 |
| Memoranda: | ||
| Average total assets | $49,323,200 | 6,737 |
| Average earning assets | $45,826,600 | 6,687 |
| Average equity | $4,484,600 | 7,121 |
| Average total loans | $32,983,600 | 6,466 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8124% | 2,830 |
| Cost of funding earning assets | 1.9819% | 3,460 |
| Net interest margin | 3.8305% | 3,523 |
| Noninterest income to average assets | 0.4980% | 4,499 |
| Noninterest expense to average assets | 2.9827% | 4,116 |
| Loan and lease loss provision to assets | 0.2046% | 5,353 |
| Net operating income to assets | 0.6757% | 3,296 |
| Return on assets (ROA) | 0.6757% | 3,357 |
| Pretax return on assets | 0.8695% | 3,321 |
| Return on Equity (ROE) | 7.5103% | 2,864 |
| Retained earnings to average equity (ytd only) | 7.5103% | 1,311 |
| Net charge-offs to loans | 0.0325% | 6,438 |
| Credit loss provision to net charge-offs | 950.0000% | 396 |
| Earnings coverage of net charge-offs (x) | 49.8585% | 639 |
| Efficiency ratio | 73.5236% | 3,949 |
| Assets per employee ($millions) | 3.7718% | 4,255 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5280% | 3,289 |
| Loan loss allowance to noncurrent loans | 64.0407% | 4,126 |
| Noncurrent assets plus other real estate owned to assets | 1.6050% | 3,944 |
| Noncurrent loans to loans | 2.3859% | 3,162 |
| Net loans and leases to total assets | 66.2418% | 4,377 |
| Net loans and leases to deposits | 80.8790% | 4,227 |
| Net loans and leases to core deposits | 94.0497% | 5,011 |
| Total domestic deposits to total assets | 81.9024% | 4,712 |
| Equity capital to assets | 9.5893% | 4,633 |
| Core capital (leverage) ratio | 8.7048% | 5,115 |
| Tier 1 risk-based capital ratio | 12.4035% | 4,624 |
| Total risk-based capital ratio | 13.6558% | 4,568 |
| Memoranda: | ||
| Average total assets | $49,529,750 | 6,778 |
| Average earning assets | $46,015,500 | 6,735 |
| Average equity | $4,456,000 | 7,196 |
| Average total loans | $32,852,500 | 6,521 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8231% | 2,942 |
| Cost of funding earning assets | 2.0493% | 3,522 |
| Net interest margin | 3.7737% | 3,656 |
| Noninterest income to average assets | 0.6439% | 3,386 |
| Noninterest expense to average assets | 2.9621% | 4,244 |
| Loan and lease loss provision to assets | 0.0724% | 6,474 |
| Net operating income to assets | 0.8250% | 2,755 |
| Return on assets (ROA) | 0.8250% | 2,852 |
| Pretax return on assets | 1.1148% | 2,583 |
| Return on Equity (ROE) | 9.3736% | 2,225 |
| Retained earnings to average equity (ytd only) | 9.3736% | 841 |
| Net charge-offs to loans | 0.0427% | 5,868 |
| Credit loss provision to net charge-offs | 257.1429% | 1,810 |
| Earnings coverage of net charge-offs (x) | 42.1429% | 784 |
| Efficiency ratio | 71.3870% | 4,527 |
| Assets per employee ($millions) | 3.8190% | 4,053 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3789% | 3,840 |
| Loan loss allowance to noncurrent loans | 65.1603% | 4,171 |
| Noncurrent assets plus other real estate owned to assets | 1.3818% | 4,197 |
| Noncurrent loans to loans | 2.1161% | 3,361 |
| Net loans and leases to total assets | 64.3966% | 4,898 |
| Net loans and leases to deposits | 75.6746% | 5,218 |
| Net loans and leases to core deposits | 85.7108% | 5,933 |
| Total domestic deposits to total assets | 85.0968% | 3,219 |
| Equity capital to assets | 9.0237% | 5,283 |
| Core capital (leverage) ratio | 8.4227% | 5,576 |
| Tier 1 risk-based capital ratio | 12.2781% | 4,696 |
| Total risk-based capital ratio | 13.5228% | 4,617 |
| Memoranda: | ||
| Average total assets | $49,695,000 | 6,843 |
| Average earning assets | $46,161,000 | 6,794 |
| Average equity | $4,374,000 | 7,285 |
| Average total loans | $32,808,330 | 6,564 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8566% | 3,009 |
| Cost of funding earning assets | 2.1115% | 3,594 |
| Net interest margin | 3.7451% | 3,676 |
| Noninterest income to average assets | 0.6034% | 3,521 |
| Noninterest expense to average assets | 2.8239% | 4,452 |
| Loan and lease loss provision to assets | 0.0724% | 6,054 |
| Net operating income to assets | 0.8608% | 2,876 |
| Return on assets (ROA) | 0.8608% | 3,026 |
| Pretax return on assets | 1.1746% | 2,704 |
| Return on Equity (ROE) | 9.9051% | 2,357 |
| Retained earnings to average equity (ytd only) | 9.9051% | 1,218 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3676% | 4,703 |
| Assets per employee ($millions) | 4.1696% | 3,322 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3337% | 3,896 |
| Loan loss allowance to noncurrent loans | 100.6787% | 3,049 |
| Noncurrent assets plus other real estate owned to assets | 0.8834% | 4,986 |
| Noncurrent loans to loans | 1.3247% | 4,328 |
| Net loans and leases to total assets | 65.7979% | 4,631 |
| Net loans and leases to deposits | 76.7824% | 5,115 |
| Net loans and leases to core deposits | 88.1635% | 5,722 |
| Total domestic deposits to total assets | 85.6940% | 2,875 |
| Equity capital to assets | 8.8178% | 5,592 |
| Core capital (leverage) ratio | 8.2867% | 5,927 |
| Tier 1 risk-based capital ratio | 11.7551% | 5,165 |
| Total risk-based capital ratio | 13.0063% | 5,085 |
| Memoranda: | ||
| Average total assets | $49,719,000 | 6,880 |
| Average earning assets | $46,033,500 | 6,835 |
| Average equity | $4,321,000 | 7,345 |
| Average total loans | $33,003,500 | 6,590 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1624% | 4,709 |
| Cost of funding earning assets | 2.6777% | 3,277 |
| Net interest margin | 3.4847% | 5,348 |
| Noninterest income to average assets | 0.7263% | 2,936 |
| Noninterest expense to average assets | 2.6989% | 5,271 |
| Loan and lease loss provision to assets | 0.2800% | 4,154 |
| Net operating income to assets | 0.7095% | 3,852 |
| Return on assets (ROA) | 0.7095% | 3,684 |
| Pretax return on assets | 0.9747% | 3,473 |
| Return on Equity (ROE) | 8.2404% | 2,957 |
| Retained earnings to average equity (ytd only) | 8.2404% | 769 |
| Net charge-offs to loans | 0.4063% | 2,780 |
| Credit loss provision to net charge-offs | 99.2537% | 5,403 |
| Earnings coverage of net charge-offs (x) | 4.4478% | 3,983 |
| Efficiency ratio | 68.2641% | 4,678 |
| Assets per employee ($millions) | 4.1169% | 3,279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3358% | 3,556 |
| Loan loss allowance to noncurrent loans | 75.9582% | 4,284 |
| Noncurrent assets plus other real estate owned to assets | 1.1619% | 3,940 |
| Noncurrent loans to loans | 1.7586% | 3,125 |
| Net loans and leases to total assets | 65.1863% | 5,016 |
| Net loans and leases to deposits | 78.0400% | 5,334 |
| Net loans and leases to core deposits | 91.0592% | 5,715 |
| Total domestic deposits to total assets | 83.5293% | 3,563 |
| Equity capital to assets | 8.5622% | 5,992 |
| Core capital (leverage) ratio | 8.5682% | 5,449 |
| Tier 1 risk-based capital ratio | 11.6853% | 5,068 |
| Total risk-based capital ratio | 12.9334% | 4,966 |
| Memoranda: | ||
| Average total assets | $47,501,200 | 6,884 |
| Average earning assets | $43,992,600 | 6,854 |
| Average equity | $4,089,600 | 7,481 |
| Average total loans | $32,984,000 | 6,550 |