Home > Western Reserve Bank > Performance and Condition Ratios
Western Reserve Bank, Performance and Condition Ratios
| 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 | 4.4171% | 3,981 |
| Cost of funding earning assets | 0.7118% | 3,664 |
| Net interest margin | 3.7053% | 3,777 |
| Noninterest income to average assets | 0.3489% | 5,024 |
| Noninterest expense to average assets | 2.9318% | 3,472 |
| Loan and lease loss provision to assets | 0.1974% | 3,109 |
| Net operating income to assets | 0.5146% | 4,785 |
| Return on assets (ROA) | 0.5146% | 5,044 |
| Pretax return on assets | 0.6986% | 4,866 |
| Return on Equity (ROE) | 5.3064% | 4,686 |
| Retained earnings to average equity (ytd only) | 1.5120% | 5,583 |
| Net charge-offs to loans | 0.3637% | 2,648 |
| Credit loss provision to net charge-offs | 71.4286% | 3,868 |
| Earnings coverage of net charge-offs (x) | 3.2424% | 3,729 |
| Efficiency ratio | 76.5930% | 2,584 |
| Assets per employee ($millions) | 5.2675% | 1,860 |
| Cash dividends to net income (ytd only)* | 71.5065% | 878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0733% | 1,970 |
| Loan loss allowance to noncurrent loans | 54.8344% | 4,896 |
| Noncurrent assets plus other real estate owned to assets | 3.4535% | 1,455 |
| Noncurrent loans to loans | 3.7810% | 1,404 |
| Net loans and leases to total assets | 74.2447% | 1,216 |
| Net loans and leases to deposits | 83.5668% | 1,920 |
| Net loans and leases to core deposits | 94.4078% | 1,540 |
| Total domestic deposits to total assets | 88.8448% | 1,515 |
| Equity capital to assets | 9.9961% | 4,498 |
| Core capital (leverage) ratio | 9.5599% | 4,178 |
| Tier 1 risk-based capital ratio | 12.6544% | 5,519 |
| Total risk-based capital ratio | 13.9140% | 5,470 |
| Memoranda: | ||
| Average total assets | $189,141,750 | 3,217 |
| Average earning assets | $177,579,250 | 3,165 |
| Average equity | $18,342,250 | 3,462 |
| Average total loans | $143,717,250 | 2,701 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4157% | 4,120 |
| Cost of funding earning assets | 0.7326% | 3,741 |
| Net interest margin | 3.6831% | 3,911 |
| Noninterest income to average assets | 0.3313% | 5,177 |
| Noninterest expense to average assets | 2.9203% | 3,547 |
| Loan and lease loss provision to assets | 0.2936% | 2,229 |
| Net operating income to assets | 0.4331% | 5,106 |
| Return on assets (ROA) | 0.4331% | 5,331 |
| Pretax return on assets | 0.5757% | 5,223 |
| Return on Equity (ROE) | 4.5104% | 5,035 |
| Retained earnings to average equity (ytd only) | 3.1125% | 4,560 |
| Net charge-offs to loans | 0.6219% | 1,766 |
| Credit loss provision to net charge-offs | 62.0843% | 3,743 |
| Earnings coverage of net charge-offs (x) | 1.8381% | 4,056 |
| Efficiency ratio | 77.0614% | 2,581 |
| Assets per employee ($millions) | 5.2754% | 1,842 |
| Cash dividends to net income (ytd only)* | 30.9927% | 2,573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9762% | 2,293 |
| Loan loss allowance to noncurrent loans | 70.6922% | 4,176 |
| Noncurrent assets plus other real estate owned to assets | 2.7002% | 2,043 |
| Noncurrent loans to loans | 2.7955% | 2,138 |
| Net loans and leases to total assets | 74.1497% | 1,223 |
| Net loans and leases to deposits | 83.1655% | 1,960 |
| Net loans and leases to core deposits | 94.3290% | 1,568 |
| Total domestic deposits to total assets | 89.1592% | 1,414 |
| Equity capital to assets | 9.7223% | 4,729 |
| Core capital (leverage) ratio | 9.4573% | 4,204 |
| Tier 1 risk-based capital ratio | 12.2987% | 5,722 |
| Total risk-based capital ratio | 13.5573% | 5,694 |
| Memoranda: | ||
| Average total assets | $190,735,000 | 3,206 |
| Average earning assets | $179,088,330 | 3,147 |
| Average equity | $18,313,330 | 3,455 |
| Average total loans | $145,030,670 | 2,686 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4522% | 4,104 |
| Cost of funding earning assets | 0.7591% | 3,794 |
| Net interest margin | 3.6931% | 3,864 |
| Noninterest income to average assets | 0.3181% | 5,329 |
| Noninterest expense to average assets | 2.8962% | 3,638 |
| Loan and lease loss provision to assets | 0.0649% | 4,613 |
| Net operating income to assets | 0.5985% | 4,344 |
| Return on assets (ROA) | 0.5985% | 4,566 |
| Pretax return on assets | 0.8287% | 4,304 |
| Return on Equity (ROE) | 6.2726% | 4,155 |
| Retained earnings to average equity (ytd only) | 4.8690% | 3,630 |
| Net charge-offs to loans | -0.0384% | 6,441 |
| Credit loss provision to net charge-offs | -221.4286% | 5,619 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4219% | 2,726 |
| Assets per employee ($millions) | 5.4322% | 1,752 |
| Cash dividends to net income (ytd only)* | 22.3776% | 2,273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0740% | 2,161 |
| Loan loss allowance to noncurrent loans | 69.4950% | 4,060 |
| Noncurrent assets plus other real estate owned to assets | 2.8334% | 2,066 |
| Noncurrent loans to loans | 2.9844% | 2,162 |
| Net loans and leases to total assets | 75.8673% | 815 |
| Net loans and leases to deposits | 84.9795% | 1,537 |
| Net loans and leases to core deposits | 98.1379% | 1,117 |
| Total domestic deposits to total assets | 89.2772% | 1,494 |
| Equity capital to assets | 9.6325% | 4,608 |
| Core capital (leverage) ratio | 9.5100% | 4,034 |
| Tier 1 risk-based capital ratio | 12.0511% | 5,925 |
| Total risk-based capital ratio | 13.3107% | 5,900 |
| Memoranda: | ||
| Average total assets | $191,146,000 | 3,219 |
| Average earning assets | $179,684,500 | 3,153 |
| Average equity | $18,238,000 | 3,460 |
| Average total loans | $145,716,500 | 2,693 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7341% | 4,107 |
| Cost of funding earning assets | 0.9291% | 3,885 |
| Net interest margin | 3.8050% | 3,792 |
| Noninterest income to average assets | 0.2746% | 5,569 |
| Noninterest expense to average assets | 2.8757% | 4,061 |
| Loan and lease loss provision to assets | 0.1632% | 4,589 |
| Net operating income to assets | 0.5806% | 4,095 |
| Return on assets (ROA) | 0.5821% | 4,269 |
| Pretax return on assets | 0.8128% | 3,934 |
| Return on Equity (ROE) | 6.3176% | 3,731 |
| Retained earnings to average equity (ytd only) | 5.9543% | 2,041 |
| Net charge-offs to loans | 1.1975% | 1,404 |
| Credit loss provision to net charge-offs | 16.9014% | 5,952 |
| Earnings coverage of net charge-offs (x) | 1.0087% | 5,032 |
| Efficiency ratio | 74.7011% | 3,104 |
| Assets per employee ($millions) | 5.4904% | 1,644 |
| Cash dividends to net income (ytd only)* | 5.7502% | 3,965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0883% | 2,044 |
| Loan loss allowance to noncurrent loans | 66.2996% | 4,205 |
| Noncurrent assets plus other real estate owned to assets | 2.9085% | 2,076 |
| Noncurrent loans to loans | 3.1499% | 2,054 |
| Net loans and leases to total assets | 73.4388% | 1,367 |
| Net loans and leases to deposits | 82.1385% | 2,180 |
| Net loans and leases to core deposits | 95.2858% | 1,563 |
| Total domestic deposits to total assets | 89.4085% | 1,310 |
| Equity capital to assets | 9.4513% | 4,964 |
| Core capital (leverage) ratio | 9.1086% | 4,602 |
| Tier 1 risk-based capital ratio | 12.2133% | 5,676 |
| Total risk-based capital ratio | 13.4735% | 5,640 |
| Memoranda: | ||
| Average total assets | $191,189,000 | 3,172 |
| Average earning assets | $179,632,000 | 3,093 |
| Average equity | $17,617,400 | 3,489 |
| Average total loans | $154,153,200 | 2,580 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8014% | 4,016 |
| Cost of funding earning assets | 0.9487% | 4,060 |
| Net interest margin | 3.8527% | 3,599 |
| Noninterest income to average assets | 0.2388% | 5,919 |
| Noninterest expense to average assets | 2.7882% | 4,387 |
| Loan and lease loss provision to assets | 0.1131% | 5,008 |
| Net operating income to assets | 0.6774% | 3,733 |
| Return on assets (ROA) | 0.6794% | 3,894 |
| Pretax return on assets | 0.9615% | 3,548 |
| Return on Equity (ROE) | 7.4211% | 3,317 |
| Retained earnings to average equity (ytd only) | 7.4211% | 1,759 |
| Net charge-offs to loans | 1.3303% | 1,145 |
| Credit loss provision to net charge-offs | 10.3647% | 5,659 |
| Earnings coverage of net charge-offs (x) | 0.9821% | 4,896 |
| Efficiency ratio | 72.2323% | 3,506 |
| Assets per employee ($millions) | 5.4215% | 1,677 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0380% | 2,236 |
| Loan loss allowance to noncurrent loans | 69.1681% | 4,001 |
| Noncurrent assets plus other real estate owned to assets | 2.8774% | 2,250 |
| Noncurrent loans to loans | 2.9464% | 2,365 |
| Net loans and leases to total assets | 77.4063% | 784 |
| Net loans and leases to deposits | 86.3263% | 1,642 |
| Net loans and leases to core deposits | 102.5321% | 1,069 |
| Total domestic deposits to total assets | 89.6672% | 1,060 |
| Equity capital to assets | 9.2553% | 5,441 |
| Core capital (leverage) ratio | 9.1011% | 4,788 |
| Tier 1 risk-based capital ratio | 11.3162% | 6,349 |
| Total risk-based capital ratio | 12.5753% | 6,336 |
| Memoranda: | ||
| Average total assets | $190,945,250 | 3,188 |
| Average earning assets | $179,470,000 | 3,117 |
| Average equity | $17,481,250 | 3,515 |
| Average total loans | $156,658,250 | 2,569 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8526% | 3,856 |
| Cost of funding earning assets | 0.9593% | 4,256 |
| Net interest margin | 3.8933% | 3,347 |
| Noninterest income to average assets | 0.2395% | 5,932 |
| Noninterest expense to average assets | 2.8090% | 4,394 |
| Loan and lease loss provision to assets | 0.1477% | 4,465 |
| Net operating income to assets | 0.6681% | 3,702 |
| Return on assets (ROA) | 0.6711% | 3,803 |
| Pretax return on assets | 0.9486% | 3,437 |
| Return on Equity (ROE) | 7.3581% | 3,263 |
| Retained earnings to average equity (ytd only) | 7.3581% | 1,712 |
| Net charge-offs to loans | 0.9183% | 1,694 |
| Credit loss provision to net charge-offs | 19.3638% | 5,139 |
| Earnings coverage of net charge-offs (x) | 1.4315% | 4,214 |
| Efficiency ratio | 72.0043% | 3,732 |
| Assets per employee ($millions) | 5.2971% | 1,763 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5316% | 1,399 |
| Loan loss allowance to noncurrent loans | 65.0090% | 4,183 |
| Noncurrent assets plus other real estate owned to assets | 3.7573% | 1,735 |
| Noncurrent loans to loans | 3.8942% | 1,784 |
| Net loans and leases to total assets | 79.9727% | 535 |
| Net loans and leases to deposits | 89.1534% | 1,362 |
| Net loans and leases to core deposits | 107.0985% | 859 |
| Total domestic deposits to total assets | 89.7024% | 1,121 |
| Equity capital to assets | 9.2525% | 5,201 |
| Core capital (leverage) ratio | 9.1447% | 4,496 |
| Tier 1 risk-based capital ratio | 10.9020% | 6,602 |
| Total risk-based capital ratio | 12.1658% | 6,558 |
| Memoranda: | ||
| Average total assets | $189,535,670 | 3,231 |
| Average earning assets | $178,255,670 | 3,156 |
| Average equity | $17,287,000 | 3,529 |
| Average total loans | $157,471,000 | 2,573 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9147% | 3,513 |
| Cost of funding earning assets | 0.9676% | 4,445 |
| Net interest margin | 3.9471% | 2,928 |
| Noninterest income to average assets | 0.2604% | 5,806 |
| Noninterest expense to average assets | 2.8536% | 4,252 |
| Loan and lease loss provision to assets | 0.0169% | 5,720 |
| Net operating income to assets | 0.7748% | 3,143 |
| Return on assets (ROA) | 0.7748% | 3,218 |
| Pretax return on assets | 1.1029% | 2,742 |
| Return on Equity (ROE) | 8.5571% | 2,674 |
| Retained earnings to average equity (ytd only) | 8.5571% | 1,535 |
| Net charge-offs to loans | 0.1139% | 3,847 |
| Credit loss provision to net charge-offs | 17.7778% | 4,279 |
| Earnings coverage of net charge-offs (x) | 11.7556% | 1,534 |
| Efficiency ratio | 71.8167% | 3,911 |
| Assets per employee ($millions) | 5.6541% | 1,447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8853% | 1,025 |
| Loan loss allowance to noncurrent loans | 62.8416% | 4,266 |
| Noncurrent assets plus other real estate owned to assets | 4.4183% | 1,476 |
| Noncurrent loans to loans | 4.5913% | 1,509 |
| Net loans and leases to total assets | 81.3030% | 416 |
| Net loans and leases to deposits | 91.2492% | 1,087 |
| Net loans and leases to core deposits | 108.8876% | 793 |
| Total domestic deposits to total assets | 89.0999% | 1,717 |
| Equity capital to assets | 9.2686% | 4,785 |
| Core capital (leverage) ratio | 8.8302% | 4,882 |
| Tier 1 risk-based capital ratio | 10.5410% | 6,785 |
| Total risk-based capital ratio | 11.8118% | 6,765 |
| Memoranda: | ||
| Average total assets | $188,956,000 | 3,257 |
| Average earning assets | $177,752,500 | 3,186 |
| Average equity | $17,108,500 | 3,547 |
| Average total loans | $157,974,000 | 2,595 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7561% | 5,599 |
| Cost of funding earning assets | 1.1937% | 4,601 |
| Net interest margin | 3.5623% | 4,990 |
| Noninterest income to average assets | 0.3159% | 5,532 |
| Noninterest expense to average assets | 2.7225% | 4,886 |
| Loan and lease loss provision to assets | 2.4404% | 466 |
| Net operating income to assets | -0.9393% | 6,645 |
| Return on assets (ROA) | -0.9393% | 6,683 |
| Pretax return on assets | -1.4777% | 6,850 |
| Return on Equity (ROE) | -10.7972% | 6,761 |
| Retained earnings to average equity (ytd only) | -10.7972% | 6,702 |
| Net charge-offs to loans | 1.6322% | 1,324 |
| Credit loss provision to net charge-offs | 182.9795% | 1,803 |
| Earnings coverage of net charge-offs (x) | 0.7218% | 5,393 |
| Efficiency ratio | 73.8779% | 3,421 |
| Assets per employee ($millions) | 5.6272% | 1,474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8446% | 1,006 |
| Loan loss allowance to noncurrent loans | 59.9631% | 4,432 |
| Noncurrent assets plus other real estate owned to assets | 4.4787% | 1,493 |
| Noncurrent loans to loans | 4.7439% | 1,462 |
| Net loans and leases to total assets | 81.1165% | 530 |
| Net loans and leases to deposits | 90.2460% | 1,490 |
| Net loans and leases to core deposits | 108.1829% | 1,032 |
| Total domestic deposits to total assets | 89.8838% | 1,173 |
| Equity capital to assets | 8.8451% | 5,366 |
| Core capital (leverage) ratio | 7.9974% | 6,208 |
| Tier 1 risk-based capital ratio | 10.0446% | 6,966 |
| Total risk-based capital ratio | 11.3173% | 6,934 |
| Memoranda: | ||
| Average total assets | $201,320,600 | 3,085 |
| Average earning assets | $190,409,600 | 2,995 |
| Average equity | $17,513,800 | 3,504 |
| Average total loans | $164,500,400 | 2,554 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7098% | 5,982 |
| Cost of funding earning assets | 1.2184% | 4,755 |
| Net interest margin | 3.4914% | 5,330 |
| Noninterest income to average assets | 0.3218% | 5,580 |
| Noninterest expense to average assets | 2.6461% | 5,129 |
| Loan and lease loss provision to assets | 1.9415% | 621 |
| Net operating income to assets | -0.5907% | 6,657 |
| Return on assets (ROA) | -0.5907% | 6,709 |
| Pretax return on assets | -0.9610% | 6,839 |
| Return on Equity (ROE) | -6.8169% | 6,778 |
| Retained earnings to average equity (ytd only) | -6.8169% | 6,700 |
| Net charge-offs to loans | 1.0984% | 1,850 |
| Credit loss provision to net charge-offs | 217.4359% | 1,596 |
| Earnings coverage of net charge-offs (x) | 1.0982% | 4,959 |
| Efficiency ratio | 72.9618% | 3,536 |
| Assets per employee ($millions) | 5.7723% | 1,416 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4119% | 1,459 |
| Loan loss allowance to noncurrent loans | 63.3835% | 4,128 |
| Noncurrent assets plus other real estate owned to assets | 3.5653% | 1,996 |
| Noncurrent loans to loans | 3.8052% | 2,023 |
| Net loans and leases to total assets | 78.4887% | 956 |
| Net loans and leases to deposits | 87.4271% | 2,093 |
| Net loans and leases to core deposits | 110.9820% | 982 |
| Total domestic deposits to total assets | 89.7762% | 981 |
| Equity capital to assets | 8.9601% | 5,638 |
| Core capital (leverage) ratio | 8.5435% | 5,428 |
| Tier 1 risk-based capital ratio | 10.8505% | 6,506 |
| Total risk-based capital ratio | 12.1145% | 6,474 |
| Memoranda: | ||
| Average total assets | $203,819,250 | 3,095 |
| Average earning assets | $192,926,250 | 2,999 |
| Average equity | $17,661,500 | 3,526 |
| Average total loans | $165,690,250 | 2,582 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6798% | 6,209 |
| Cost of funding earning assets | 1.2689% | 4,720 |
| Net interest margin | 3.4109% | 5,597 |
| Noninterest income to average assets | 0.2436% | 6,166 |
| Noninterest expense to average assets | 2.5556% | 5,504 |
| Loan and lease loss provision to assets | 1.5341% | 859 |
| Net operating income to assets | -0.3640% | 6,531 |
| Return on assets (ROA) | -0.3640% | 6,572 |
| Pretax return on assets | -0.6164% | 6,672 |
| Return on Equity (ROE) | -4.2479% | 6,635 |
| Retained earnings to average equity (ytd only) | -4.2479% | 6,469 |
| Net charge-offs to loans | 0.9907% | 1,869 |
| Credit loss provision to net charge-offs | 189.8305% | 2,077 |
| Earnings coverage of net charge-offs (x) | 1.1356% | 4,654 |
| Efficiency ratio | 73.5775% | 3,548 |
| Assets per employee ($millions) | 5.9399% | 1,273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8492% | 2,567 |
| Loan loss allowance to noncurrent loans | 72.2248% | 3,741 |
| Noncurrent assets plus other real estate owned to assets | 2.5272% | 2,856 |
| Noncurrent loans to loans | 2.5604% | 3,089 |
| Net loans and leases to total assets | 78.0718% | 1,104 |
| Net loans and leases to deposits | 87.3841% | 2,281 |
| Net loans and leases to core deposits | 111.5756% | 1,056 |
| Total domestic deposits to total assets | 89.3433% | 1,262 |
| Equity capital to assets | 8.9203% | 5,572 |
| Core capital (leverage) ratio | 8.7986% | 4,916 |
| Tier 1 risk-based capital ratio | 10.8783% | 6,374 |
| Total risk-based capital ratio | 12.1353% | 6,351 |
| Memoranda: | ||
| Average total assets | $204,416,000 | 3,105 |
| Average earning assets | $193,553,330 | 3,027 |
| Average equity | $17,514,670 | 3,544 |
| Average total loans | $166,757,330 | 2,602 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6957% | 6,257 |
| Cost of funding earning assets | 1.3568% | 4,438 |
| Net interest margin | 3.3389% | 5,822 |
| Noninterest income to average assets | 0.2881% | 5,838 |
| Noninterest expense to average assets | 2.6486% | 5,150 |
| Loan and lease loss provision to assets | 1.5512% | 750 |
| Net operating income to assets | -0.4520% | 6,803 |
| Return on assets (ROA) | -0.4520% | 6,834 |
| Pretax return on assets | -0.7500% | 6,925 |
| Return on Equity (ROE) | -5.3884% | 6,904 |
| Retained earnings to average equity (ytd only) | -5.3884% | 6,617 |
| Net charge-offs to loans | 1.8632% | 928 |
| Credit loss provision to net charge-offs | 100.7692% | 3,365 |
| Earnings coverage of net charge-offs (x) | 0.5205% | 4,571 |
| Efficiency ratio | 76.7735% | 3,096 |
| Assets per employee ($millions) | 5.8183% | 1,390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3901% | 4,465 |
| Loan loss allowance to noncurrent loans | 51.7149% | 4,872 |
| Noncurrent assets plus other real estate owned to assets | 2.7293% | 2,665 |
| Noncurrent loans to loans | 2.6880% | 2,984 |
| Net loans and leases to total assets | 80.8859% | 729 |
| Net loans and leases to deposits | 90.7641% | 1,789 |
| Net loans and leases to core deposits | 118.7527% | 836 |
| Total domestic deposits to total assets | 89.1166% | 1,460 |
| Equity capital to assets | 9.1632% | 5,040 |
| Core capital (leverage) ratio | 9.1276% | 4,329 |
| Tier 1 risk-based capital ratio | 10.8679% | 6,274 |
| Total risk-based capital ratio | 12.1193% | 6,258 |
| Memoranda: | ||
| Average total assets | $202,675,500 | 3,185 |
| Average earning assets | $191,919,000 | 3,096 |
| Average equity | $16,999,500 | 3,654 |
| Average total loans | $167,452,500 | 2,654 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8465% | 6,846 |
| Cost of funding earning assets | 1.5578% | 5,240 |
| Net interest margin | 3.2887% | 5,788 |
| Noninterest income to average assets | 0.2613% | 6,243 |
| Noninterest expense to average assets | 2.8097% | 4,938 |
| Loan and lease loss provision to assets | 0.4682% | 4,020 |
| Net operating income to assets | 0.1227% | 5,137 |
| Return on assets (ROA) | 0.1227% | 5,194 |
| Pretax return on assets | 0.1185% | 5,176 |
| Return on Equity (ROE) | 1.5293% | 5,076 |
| Retained earnings to average equity (ytd only) | 1.5293% | 4,002 |
| Net charge-offs to loans | 0.2000% | 5,396 |
| Credit loss provision to net charge-offs | 283.6538% | 1,189 |
| Earnings coverage of net charge-offs (x) | 3.5545% | 3,295 |
| Efficiency ratio | 82.7259% | 2,515 |
| Assets per employee ($millions) | 5.4516% | 1,693 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3797% | 4,341 |
| Loan loss allowance to noncurrent loans | 62.6284% | 4,267 |
| Noncurrent assets plus other real estate owned to assets | 2.3628% | 2,938 |
| Noncurrent loans to loans | 2.2029% | 3,385 |
| Net loans and leases to total assets | 82.0734% | 674 |
| Net loans and leases to deposits | 92.8388% | 1,761 |
| Net loans and leases to core deposits | 124.1217% | 1,629 |
| Total domestic deposits to total assets | 88.4042% | 1,770 |
| Equity capital to assets | 7.6044% | 6,942 |
| Core capital (leverage) ratio | 7.7226% | 6,534 |
| Tier 1 risk-based capital ratio | 8.7349% | 7,554 |
| Total risk-based capital ratio | 12.2992% | 5,839 |
| Memoranda: | ||
| Average total assets | $189,020,800 | 3,297 |
| Average earning assets | $180,192,000 | 3,215 |
| Average equity | $15,170,200 | 4,031 |
| Average total loans | $156,020,200 | 2,830 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8479% | 7,019 |
| Cost of funding earning assets | 1.6167% | 5,324 |
| Net interest margin | 3.2312% | 5,913 |
| Noninterest income to average assets | 0.2590% | 6,380 |
| Noninterest expense to average assets | 2.8101% | 4,850 |
| Loan and lease loss provision to assets | 0.4800% | 3,501 |
| Net operating income to assets | 0.0811% | 5,525 |
| Return on assets (ROA) | 0.0811% | 5,573 |
| Pretax return on assets | 0.0545% | 5,609 |
| Return on Equity (ROE) | 0.9959% | 5,500 |
| Retained earnings to average equity (ytd only) | 0.9959% | 4,755 |
| Net charge-offs to loans | 0.1411% | 5,290 |
| Credit loss provision to net charge-offs | 412.9630% | 963 |
| Earnings coverage of net charge-offs (x) | 4.5989% | 3,076 |
| Efficiency ratio | 84.0197% | 2,294 |
| Assets per employee ($millions) | 4.9622% | 2,195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3968% | 3,964 |
| Loan loss allowance to noncurrent loans | 74.5033% | 3,631 |
| Noncurrent assets plus other real estate owned to assets | 1.9733% | 3,384 |
| Noncurrent loans to loans | 1.8748% | 3,803 |
| Net loans and leases to total assets | 84.2318% | 509 |
| Net loans and leases to deposits | 95.1095% | 1,695 |
| Net loans and leases to core deposits | 119.4767% | 2,296 |
| Total domestic deposits to total assets | 88.5630% | 1,404 |
| Equity capital to assets | 8.1193% | 6,722 |
| Core capital (leverage) ratio | 7.8482% | 6,562 |
| Tier 1 risk-based capital ratio | 8.9464% | 7,642 |
| Total risk-based capital ratio | 11.3915% | 6,787 |
| Memoranda: | ||
| Average total assets | $185,848,250 | 3,371 |
| Average earning assets | $177,473,500 | 3,269 |
| Average equity | $15,128,000 | 4,077 |
| Average total loans | $153,058,500 | 2,901 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7700% | 7,276 |
| Cost of funding earning assets | 1.6771% | 5,380 |
| Net interest margin | 3.0929% | 6,268 |
| Noninterest income to average assets | 0.2498% | 6,500 |
| Noninterest expense to average assets | 2.8257% | 4,847 |
| Loan and lease loss provision to assets | 0.5212% | 2,939 |
| Net operating income to assets | -0.0497% | 5,923 |
| Return on assets (ROA) | -0.0497% | 5,990 |
| Pretax return on assets | -0.1417% | 6,058 |
| Return on Equity (ROE) | -0.6106% | 6,016 |
| Retained earnings to average equity (ytd only) | -0.6106% | 5,380 |
| Net charge-offs to loans | 0.1809% | 4,444 |
| Credit loss provision to net charge-offs | 354.4118% | 1,307 |
| Earnings coverage of net charge-offs (x) | 2.5809% | 3,777 |
| Efficiency ratio | 88.1579% | 1,998 |
| Assets per employee ($millions) | 4.9353% | 2,163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3341% | 4,076 |
| Loan loss allowance to noncurrent loans | 59.4479% | 4,490 |
| Noncurrent assets plus other real estate owned to assets | 1.9763% | 3,229 |
| Noncurrent loans to loans | 2.2442% | 3,196 |
| Net loans and leases to total assets | 80.2663% | 1,265 |
| Net loans and leases to deposits | 89.1458% | 2,965 |
| Net loans and leases to core deposits | 112.3723% | 3,093 |
| Total domestic deposits to total assets | 90.0394% | 814 |
| Equity capital to assets | 7.7952% | 6,989 |
| Core capital (leverage) ratio | 7.7831% | 6,636 |
| Tier 1 risk-based capital ratio | 9.0757% | 7,653 |
| Total risk-based capital ratio | 10.3260% | 7,669 |
| Memoranda: | ||
| Average total assets | $184,943,330 | 3,409 |
| Average earning assets | $176,729,670 | 3,305 |
| Average equity | $15,067,330 | 4,103 |
| Average total loans | $150,384,670 | 2,980 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8176% | 7,343 |
| Cost of funding earning assets | 1.7763% | 5,235 |
| Net interest margin | 3.0414% | 6,367 |
| Noninterest income to average assets | 0.2561% | 6,406 |
| Noninterest expense to average assets | 2.7531% | 4,766 |
| Loan and lease loss provision to assets | 0.3047% | 3,514 |
| Net operating income to assets | 0.1126% | 5,946 |
| Return on assets (ROA) | 0.1126% | 6,107 |
| Pretax return on assets | 0.1016% | 6,165 |
| Return on Equity (ROE) | 1.3511% | 6,023 |
| Retained earnings to average equity (ytd only) | 1.3511% | 5,092 |
| Net charge-offs to loans | 0.1548% | 3,720 |
| Credit loss provision to net charge-offs | 242.1053% | 1,925 |
| Earnings coverage of net charge-offs (x) | 3.2281% | 3,239 |
| Efficiency ratio | 87.1419% | 1,962 |
| Assets per employee ($millions) | 4.8265% | 2,268 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2084% | 4,747 |
| Loan loss allowance to noncurrent loans | 81.3559% | 3,622 |
| Noncurrent assets plus other real estate owned to assets | 1.3805% | 3,888 |
| Noncurrent loans to loans | 1.4853% | 4,065 |
| Net loans and leases to total assets | 81.3056% | 1,136 |
| Net loans and leases to deposits | 90.7664% | 2,816 |
| Net loans and leases to core deposits | 111.0316% | 3,306 |
| Total domestic deposits to total assets | 89.5768% | 980 |
| Equity capital to assets | 8.2603% | 6,446 |
| Core capital (leverage) ratio | 8.3122% | 5,886 |
| Tier 1 risk-based capital ratio | 9.4589% | 7,455 |
| Total risk-based capital ratio | 10.6149% | 7,495 |
| Memoranda: | ||
| Average total assets | $181,176,000 | 3,489 |
| Average earning assets | $172,947,500 | 3,374 |
| Average equity | $15,099,000 | 4,120 |
| Average total loans | $147,285,000 | 3,051 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0726% | 5,189 |
| Cost of funding earning assets | 2.3933% | 4,744 |
| Net interest margin | 3.6793% | 4,553 |
| Noninterest income to average assets | 0.1981% | 7,030 |
| Noninterest expense to average assets | 2.9074% | 4,424 |
| Loan and lease loss provision to assets | 0.3176% | 3,836 |
| Net operating income to assets | 0.3549% | 5,334 |
| Return on assets (ROA) | 0.3549% | 5,136 |
| Pretax return on assets | 0.4690% | 5,074 |
| Return on Equity (ROE) | 4.4401% | 4,624 |
| Retained earnings to average equity (ytd only) | 4.4401% | 2,364 |
| Net charge-offs to loans | 0.2912% | 3,457 |
| Credit loss provision to net charge-offs | 134.9490% | 3,949 |
| Earnings coverage of net charge-offs (x) | 3.3418% | 4,413 |
| Efficiency ratio | 78.7061% | 2,806 |
| Assets per employee ($millions) | 4.8363% | 2,134 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2136% | 4,432 |
| Loan loss allowance to noncurrent loans | 105.1901% | 3,303 |
| Noncurrent assets plus other real estate owned to assets | 1.0880% | 4,112 |
| Noncurrent loans to loans | 1.1537% | 4,225 |
| Net loans and leases to total assets | 79.2885% | 1,818 |
| Net loans and leases to deposits | 90.4767% | 3,371 |
| Net loans and leases to core deposits | 112.3240% | 3,530 |
| Total domestic deposits to total assets | 87.6341% | 1,649 |
| Equity capital to assets | 8.4093% | 6,238 |
| Core capital (leverage) ratio | 8.4711% | 5,621 |
| Tier 1 risk-based capital ratio | 9.8607% | 6,889 |
| Total risk-based capital ratio | 11.0162% | 6,892 |
| Memoranda: | ||
| Average total assets | $166,542,200 | 3,605 |
| Average earning assets | $158,236,600 | 3,502 |
| Average equity | $13,310,600 | 4,496 |
| Average total loans | $134,597,000 | 3,185 |