Home > Williamstown Savings Bank > Performance and Condition Ratios
Williamstown Savings Bank, Performance and Condition Ratios
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1315% | 6,987 |
| Cost of funding earning assets | 1.3920% | 439 |
| Net interest margin | 1.7395% | 7,215 |
| Noninterest income to average assets | 0.2850% | 5,595 |
| Noninterest expense to average assets | 2.0221% | 6,421 |
| Loan and lease loss provision to assets | 0.0548% | 4,721 |
| Net operating income to assets | -0.1955% | 6,631 |
| Return on assets (ROA) | 0.0694% | 6,415 |
| Pretax return on assets | 0.0639% | 6,433 |
| Return on Equity (ROE) | 0.9905% | 6,351 |
| Retained earnings to average equity (ytd only) | 0.9905% | 5,678 |
| Net charge-offs to loans | -0.0636% | 6,635 |
| Credit loss provision to net charge-offs | -166.6667% | 5,561 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.7897% | 377 |
| Assets per employee ($millions) | 7.8273% | 522 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1804% | 5,589 |
| Loan loss allowance to noncurrent loans | 29.7934% | 6,189 |
| Noncurrent assets plus other real estate owned to assets | 2.3270% | 2,556 |
| Noncurrent loans to loans | 3.9618% | 1,549 |
| Net loans and leases to total assets | 50.6915% | 5,207 |
| Net loans and leases to deposits | 73.6752% | 3,165 |
| Net loans and leases to core deposits | 74.9592% | 3,751 |
| Total domestic deposits to total assets | 68.8040% | 7,029 |
| Equity capital to assets | 7.0756% | 6,915 |
| Core capital (leverage) ratio | 5.9607% | 7,045 |
| Tier 1 risk-based capital ratio | 9.3259% | 6,988 |
| Total risk-based capital ratio | 11.7206% | 6,742 |
| Memoranda: | ||
| Average total assets | $218,975,500 | 2,906 |
| Average earning assets | $200,289,500 | 2,894 |
| Average equity | $15,345,500 | 3,925 |
| Average total loans | $113,132,500 | 3,296 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4630% | 7,014 |
| Cost of funding earning assets | 1.4289% | 925 |
| Net interest margin | 2.0341% | 7,217 |
| Noninterest income to average assets | 0.3396% | 5,100 |
| Noninterest expense to average assets | 2.2972% | 6,045 |
| Loan and lease loss provision to assets | 1.2623% | 668 |
| Net operating income to assets | -0.7736% | 6,644 |
| Return on assets (ROA) | -1.0634% | 6,796 |
| Pretax return on assets | -1.8009% | 6,977 |
| Return on Equity (ROE) | -14.1791% | 6,869 |
| Retained earnings to average equity (ytd only) | -14.4639% | 6,854 |
| Net charge-offs to loans | 2.3739% | 513 |
| Credit loss provision to net charge-offs | 102.7164% | 3,368 |
| Earnings coverage of net charge-offs (x) | -0.0699% | 5,879 |
| Efficiency ratio | 103.8849% | 570 |
| Assets per employee ($millions) | 7.8139% | 507 |
| Cash dividends to net income (ytd only)* | -2.0092% | 7,245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1235% | 5,723 |
| Loan loss allowance to noncurrent loans | 32.9300% | 6,014 |
| Noncurrent assets plus other real estate owned to assets | 2.2574% | 2,666 |
| Noncurrent loans to loans | 3.4118% | 1,893 |
| Net loans and leases to total assets | 51.4480% | 5,394 |
| Net loans and leases to deposits | 74.9968% | 3,346 |
| Net loans and leases to core deposits | 76.3055% | 3,942 |
| Total domestic deposits to total assets | 68.6002% | 7,045 |
| Equity capital to assets | 6.9401% | 6,977 |
| Core capital (leverage) ratio | 6.0124% | 7,057 |
| Tier 1 risk-based capital ratio | 8.4141% | 7,088 |
| Total risk-based capital ratio | 10.5664% | 6,984 |
| Memoranda: | ||
| Average total assets | $224,667,200 | 2,786 |
| Average earning assets | $206,725,400 | 2,769 |
| Average equity | $16,848,800 | 3,602 |
| Average total loans | $116,308,600 | 3,248 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5998% | 7,020 |
| Cost of funding earning assets | 1.4397% | 1,069 |
| Net interest margin | 2.1601% | 7,266 |
| Noninterest income to average assets | 0.3249% | 5,268 |
| Noninterest expense to average assets | 2.1821% | 6,319 |
| Loan and lease loss provision to assets | 0.0265% | 6,113 |
| Net operating income to assets | 0.1188% | 5,921 |
| Return on assets (ROA) | -0.0118% | 6,277 |
| Pretax return on assets | -0.0955% | 6,332 |
| Return on Equity (ROE) | -0.1545% | 6,284 |
| Retained earnings to average equity (ytd only) | -0.5174% | 6,075 |
| Net charge-offs to loans | 0.1083% | 4,916 |
| Credit loss provision to net charge-offs | 47.3684% | 5,090 |
| Earnings coverage of net charge-offs (x) | 2.4106% | 3,915 |
| Efficiency ratio | 94.1730% | 908 |
| Assets per employee ($millions) | 7.7900% | 514 |
| Cash dividends to net income (ytd only)* | -234.9831% | 7,413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9826% | 6,344 |
| Loan loss allowance to noncurrent loans | 31.3757% | 6,180 |
| Noncurrent assets plus other real estate owned to assets | 2.5298% | 2,545 |
| Noncurrent loans to loans | 3.1317% | 2,222 |
| Net loans and leases to total assets | 53.3149% | 5,277 |
| Net loans and leases to deposits | 79.2879% | 2,760 |
| Net loans and leases to core deposits | 80.7295% | 3,525 |
| Total domestic deposits to total assets | 67.2422% | 7,168 |
| Equity capital to assets | 7.9356% | 6,737 |
| Core capital (leverage) ratio | 7.5424% | 6,743 |
| Tier 1 risk-based capital ratio | 10.5791% | 6,744 |
| Total risk-based capital ratio | 11.3167% | 6,926 |
| Memoranda: | ||
| Average total assets | $226,137,000 | 2,781 |
| Average earning assets | $208,562,750 | 2,750 |
| Average equity | $17,265,000 | 3,542 |
| Average total loans | $116,925,500 | 3,263 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6430% | 7,068 |
| Cost of funding earning assets | 1.4356% | 1,254 |
| Net interest margin | 2.2073% | 7,313 |
| Noninterest income to average assets | 0.3330% | 5,226 |
| Noninterest expense to average assets | 2.1730% | 6,446 |
| Loan and lease loss provision to assets | 0.0262% | 5,977 |
| Net operating income to assets | 0.2194% | 5,669 |
| Return on assets (ROA) | 0.0533% | 6,193 |
| Pretax return on assets | 0.0079% | 6,256 |
| Return on Equity (ROE) | 0.7072% | 6,145 |
| Retained earnings to average equity (ytd only) | 0.1623% | 5,776 |
| Net charge-offs to loans | 0.1627% | 4,200 |
| Credit loss provision to net charge-offs | 31.5789% | 4,962 |
| Earnings coverage of net charge-offs (x) | 2.4105% | 3,609 |
| Efficiency ratio | 91.5654% | 1,126 |
| Assets per employee ($millions) | 7.9000% | 476 |
| Cash dividends to net income (ytd only)* | 77.0492% | 859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9818% | 6,411 |
| Loan loss allowance to noncurrent loans | 30.5854% | 6,227 |
| Noncurrent assets plus other real estate owned to assets | 1.9965% | 3,241 |
| Noncurrent loans to loans | 3.2099% | 2,234 |
| Net loans and leases to total assets | 50.1430% | 5,802 |
| Net loans and leases to deposits | 77.5504% | 3,211 |
| Net loans and leases to core deposits | 79.0766% | 3,919 |
| Total domestic deposits to total assets | 64.6585% | 7,298 |
| Equity capital to assets | 7.6020% | 6,902 |
| Core capital (leverage) ratio | 7.4041% | 6,808 |
| Tier 1 risk-based capital ratio | 10.5557% | 6,770 |
| Total risk-based capital ratio | 11.2756% | 6,965 |
| Memoranda: | ||
| Average total assets | $228,809,670 | 2,766 |
| Average earning assets | $211,475,670 | 2,741 |
| Average equity | $17,250,330 | 3,536 |
| Average total loans | $116,752,670 | 3,299 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6140% | 7,128 |
| Cost of funding earning assets | 1.4589% | 1,337 |
| Net interest margin | 2.1552% | 7,372 |
| Noninterest income to average assets | 0.2449% | 5,938 |
| Noninterest expense to average assets | 2.1341% | 6,561 |
| Loan and lease loss provision to assets | 0.0262% | 5,635 |
| Net operating income to assets | 0.0677% | 6,182 |
| Return on assets (ROA) | 0.1662% | 5,950 |
| Pretax return on assets | 0.1889% | 5,966 |
| Return on Equity (ROE) | 2.2135% | 5,711 |
| Retained earnings to average equity (ytd only) | 2.2135% | 4,815 |
| Net charge-offs to loans | 0.0034% | 5,084 |
| Credit loss provision to net charge-offs | 1,500.0000% | 253 |
| Earnings coverage of net charge-offs (x) | 59.0000% | 504 |
| Efficiency ratio | 95.3870% | 958 |
| Assets per employee ($millions) | 7.9220% | 482 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0457% | 6,236 |
| Loan loss allowance to noncurrent loans | 27.6190% | 6,431 |
| Noncurrent assets plus other real estate owned to assets | 2.2896% | 2,958 |
| Noncurrent loans to loans | 3.7862% | 1,939 |
| Net loans and leases to total assets | 50.1691% | 5,829 |
| Net loans and leases to deposits | 74.3608% | 3,707 |
| Net loans and leases to core deposits | 75.7517% | 4,332 |
| Total domestic deposits to total assets | 67.4671% | 7,282 |
| Equity capital to assets | 7.4855% | 6,874 |
| Core capital (leverage) ratio | 7.3469% | 6,826 |
| Tier 1 risk-based capital ratio | 11.1593% | 6,385 |
| Total risk-based capital ratio | 11.9702% | 6,661 |
| Memoranda: | ||
| Average total assets | $228,665,000 | 2,782 |
| Average earning assets | $211,398,000 | 2,763 |
| Average equity | $17,167,500 | 3,538 |
| Average total loans | $117,121,000 | 3,307 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9792% | 7,152 |
| Cost of funding earning assets | 1.7158% | 1,526 |
| Net interest margin | 2.2634% | 7,383 |
| Noninterest income to average assets | 0.3601% | 5,228 |
| Noninterest expense to average assets | 2.1466% | 6,738 |
| Loan and lease loss provision to assets | 0.0529% | 6,625 |
| Net operating income to assets | 0.2710% | 5,030 |
| Return on assets (ROA) | 0.1254% | 5,664 |
| Pretax return on assets | 0.0940% | 5,713 |
| Return on Equity (ROE) | 1.6575% | 5,507 |
| Retained earnings to average equity (ytd only) | 0.2657% | 5,448 |
| Net charge-offs to loans | 0.2961% | 4,538 |
| Credit loss provision to net charge-offs | 35.2770% | 6,445 |
| Earnings coverage of net charge-offs (x) | 1.9504% | 4,265 |
| Efficiency ratio | 88.0129% | 1,484 |
| Assets per employee ($millions) | 8.1283% | 464 |
| Cash dividends to net income (ytd only)* | 83.9721% | 733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0224% | 6,276 |
| Loan loss allowance to noncurrent loans | 32.6730% | 6,142 |
| Noncurrent assets plus other real estate owned to assets | 1.9926% | 3,354 |
| Noncurrent loans to loans | 3.1291% | 2,437 |
| Net loans and leases to total assets | 51.2155% | 6,022 |
| Net loans and leases to deposits | 76.9657% | 3,684 |
| Net loans and leases to core deposits | 78.4350% | 4,403 |
| Total domestic deposits to total assets | 66.5433% | 7,373 |
| Equity capital to assets | 7.5301% | 6,870 |
| Core capital (leverage) ratio | 7.5415% | 6,667 |
| Tier 1 risk-based capital ratio | 11.4575% | 5,942 |
| Total risk-based capital ratio | 12.2696% | 6,283 |
| Memoranda: | ||
| Average total assets | $228,822,400 | 2,770 |
| Average earning assets | $210,168,000 | 2,756 |
| Average equity | $17,315,400 | 3,534 |
| Average total loans | $115,856,800 | 3,408 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0857% | 7,213 |
| Cost of funding earning assets | 1.7605% | 1,585 |
| Net interest margin | 2.3251% | 7,474 |
| Noninterest income to average assets | 0.3154% | 5,626 |
| Noninterest expense to average assets | 2.1641% | 6,701 |
| Loan and lease loss provision to assets | 0.0530% | 6,553 |
| Net operating income to assets | 0.2051% | 5,494 |
| Return on assets (ROA) | 0.2258% | 5,589 |
| Pretax return on assets | 0.2543% | 5,603 |
| Return on Equity (ROE) | 2.9800% | 5,231 |
| Retained earnings to average equity (ytd only) | 1.5975% | 5,154 |
| Net charge-offs to loans | 0.1086% | 5,448 |
| Credit loss provision to net charge-offs | 96.8085% | 4,475 |
| Earnings coverage of net charge-offs (x) | 5.1915% | 2,819 |
| Efficiency ratio | 88.4003% | 1,421 |
| Assets per employee ($millions) | 8.2885% | 454 |
| Cash dividends to net income (ytd only)* | 46.3910% | 1,790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2318% | 5,335 |
| Loan loss allowance to noncurrent loans | 93.8076% | 2,945 |
| Noncurrent assets plus other real estate owned to assets | 1.0581% | 4,999 |
| Noncurrent loans to loans | 1.3132% | 4,669 |
| Net loans and leases to total assets | 51.0188% | 6,217 |
| Net loans and leases to deposits | 76.2774% | 4,130 |
| Net loans and leases to core deposits | 77.9900% | 4,806 |
| Total domestic deposits to total assets | 66.8859% | 7,434 |
| Equity capital to assets | 8.0839% | 6,729 |
| Core capital (leverage) ratio | 7.6754% | 6,701 |
| Tier 1 risk-based capital ratio | 11.5329% | 5,899 |
| Total risk-based capital ratio | 12.4805% | 6,159 |
| Memoranda: | ||
| Average total assets | $229,129,750 | 2,800 |
| Average earning assets | $210,160,250 | 2,791 |
| Average equity | $17,359,750 | 3,581 |
| Average total loans | $115,379,250 | 3,467 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1462% | 7,235 |
| Cost of funding earning assets | 1.7953% | 1,660 |
| Net interest margin | 2.3509% | 7,507 |
| Noninterest income to average assets | 0.2607% | 6,055 |
| Noninterest expense to average assets | 2.1316% | 6,813 |
| Loan and lease loss provision to assets | 0.0520% | 6,445 |
| Net operating income to assets | 0.1912% | 5,591 |
| Return on assets (ROA) | 0.2772% | 5,420 |
| Pretax return on assets | 0.3369% | 5,401 |
| Return on Equity (ROE) | 3.7392% | 4,905 |
| Retained earnings to average equity (ytd only) | 3.1783% | 4,088 |
| Net charge-offs to loans | 0.1578% | 4,675 |
| Credit loss provision to net charge-offs | 65.9341% | 5,074 |
| Earnings coverage of net charge-offs (x) | 3.6044% | 3,246 |
| Efficiency ratio | 88.2395% | 1,487 |
| Assets per employee ($millions) | 8.4826% | 416 |
| Cash dividends to net income (ytd only)* | 15.0000% | 3,048 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2039% | 5,440 |
| Loan loss allowance to noncurrent loans | 138.9442% | 1,995 |
| Noncurrent assets plus other real estate owned to assets | 0.8095% | 5,501 |
| Noncurrent loans to loans | 0.8665% | 5,537 |
| Net loans and leases to total assets | 49.9823% | 6,435 |
| Net loans and leases to deposits | 74.6987% | 4,568 |
| Net loans and leases to core deposits | 76.8768% | 5,094 |
| Total domestic deposits to total assets | 66.9119% | 7,486 |
| Equity capital to assets | 7.5990% | 7,052 |
| Core capital (leverage) ratio | 7.6831% | 6,633 |
| Tier 1 risk-based capital ratio | 11.5779% | 5,690 |
| Total risk-based capital ratio | 12.5088% | 5,972 |
| Memoranda: | ||
| Average total assets | $230,909,670 | 2,799 |
| Average earning assets | $211,663,670 | 2,794 |
| Average equity | $17,116,000 | 3,616 |
| Average total loans | $115,306,000 | 3,499 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2475% | 7,210 |
| Cost of funding earning assets | 1.7827% | 1,954 |
| Net interest margin | 2.4648% | 7,499 |
| Noninterest income to average assets | 0.2795% | 5,907 |
| Noninterest expense to average assets | 2.0755% | 7,002 |
| Loan and lease loss provision to assets | 0.0518% | 6,148 |
| Net operating income to assets | 0.2997% | 5,305 |
| Return on assets (ROA) | 0.4555% | 4,720 |
| Pretax return on assets | 0.6194% | 4,531 |
| Return on Equity (ROE) | 6.2220% | 3,766 |
| Retained earnings to average equity (ytd only) | 5.0907% | 3,109 |
| Net charge-offs to loans | 0.1287% | 4,196 |
| Credit loss provision to net charge-offs | 81.0811% | 3,848 |
| Earnings coverage of net charge-offs (x) | 7.2162% | 2,117 |
| Efficiency ratio | 81.8367% | 2,288 |
| Assets per employee ($millions) | 7.9253% | 530 |
| Cash dividends to net income (ytd only)* | 18.1818% | 2,266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2404% | 5,277 |
| Loan loss allowance to noncurrent loans | 202.7143% | 1,400 |
| Noncurrent assets plus other real estate owned to assets | 0.7616% | 5,625 |
| Noncurrent loans to loans | 0.6119% | 6,087 |
| Net loans and leases to total assets | 50.9119% | 6,383 |
| Net loans and leases to deposits | 76.4024% | 4,340 |
| Net loans and leases to core deposits | 78.8747% | 4,912 |
| Total domestic deposits to total assets | 66.6365% | 7,592 |
| Equity capital to assets | 7.8141% | 6,836 |
| Core capital (leverage) ratio | 7.7270% | 6,593 |
| Tier 1 risk-based capital ratio | 12.0373% | 5,161 |
| Total risk-based capital ratio | 13.0214% | 5,366 |
| Memoranda: | ||
| Average total assets | $231,849,000 | 2,857 |
| Average earning assets | $212,267,000 | 2,851 |
| Average equity | $16,972,000 | 3,660 |
| Average total loans | $115,024,000 | 3,570 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4527% | 7,430 |
| Cost of funding earning assets | 2.2753% | 1,752 |
| Net interest margin | 2.1774% | 7,655 |
| Noninterest income to average assets | 0.4443% | 4,847 |
| Noninterest expense to average assets | 1.9190% | 7,473 |
| Loan and lease loss provision to assets | 0.1365% | 6,279 |
| Net operating income to assets | 0.3042% | 4,522 |
| Return on assets (ROA) | 0.3915% | 4,259 |
| Pretax return on assets | 0.5160% | 4,139 |
| Return on Equity (ROE) | 6.0518% | 3,187 |
| Retained earnings to average equity (ytd only) | 1.0891% | 4,280 |
| Net charge-offs to loans | 0.1576% | 5,700 |
| Credit loss provision to net charge-offs | 178.5340% | 2,338 |
| Earnings coverage of net charge-offs (x) | 7.0314% | 2,236 |
| Efficiency ratio | 78.1163% | 3,172 |
| Assets per employee ($millions) | 7.5560% | 620 |
| Cash dividends to net income (ytd only)* | 82.0041% | 1,113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2330% | 5,155 |
| Loan loss allowance to noncurrent loans | 315.4867% | 1,005 |
| Noncurrent assets plus other real estate owned to assets | 0.5385% | 6,100 |
| Noncurrent loans to loans | 0.3908% | 6,498 |
| Net loans and leases to total assets | 47.2416% | 6,874 |
| Net loans and leases to deposits | 76.2035% | 4,707 |
| Net loans and leases to core deposits | 84.0521% | 5,708 |
| Total domestic deposits to total assets | 61.9940% | 7,760 |
| Equity capital to assets | 6.8671% | 7,432 |
| Core capital (leverage) ratio | 7.3713% | 6,916 |
| Tier 1 risk-based capital ratio | 11.4807% | 5,406 |
| Total risk-based capital ratio | 12.4374% | 5,693 |
| Memoranda: | ||
| Average total assets | $249,822,200 | 2,611 |
| Average earning assets | $230,873,200 | 2,591 |
| Average equity | $16,160,400 | 3,841 |
| Average total loans | $121,165,000 | 3,462 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5462% | 7,459 |
| Cost of funding earning assets | 2.4434% | 1,477 |
| Net interest margin | 2.1028% | 7,762 |
| Noninterest income to average assets | 0.4569% | 4,854 |
| Noninterest expense to average assets | 1.9526% | 7,464 |
| Loan and lease loss provision to assets | 0.0958% | 6,408 |
| Net operating income to assets | 0.2664% | 4,922 |
| Return on assets (ROA) | 0.4654% | 4,240 |
| Pretax return on assets | 0.6216% | 4,121 |
| Return on Equity (ROE) | 7.3022% | 2,949 |
| Retained earnings to average equity (ytd only) | 1.7529% | 4,333 |
| Net charge-offs to loans | 0.1980% | 4,830 |
| Credit loss provision to net charge-offs | 99.4505% | 5,140 |
| Earnings coverage of net charge-offs (x) | 4.6923% | 3,037 |
| Efficiency ratio | 81.1977% | 2,689 |
| Assets per employee ($millions) | 7.7725% | 564 |
| Cash dividends to net income (ytd only)* | 75.9951% | 1,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1046% | 5,695 |
| Loan loss allowance to noncurrent loans | 285.2349% | 1,047 |
| Noncurrent assets plus other real estate owned to assets | 0.5383% | 6,112 |
| Noncurrent loans to loans | 0.3873% | 6,567 |
| Net loans and leases to total assets | 47.3754% | 7,006 |
| Net loans and leases to deposits | 70.3180% | 5,874 |
| Net loans and leases to core deposits | 78.4687% | 6,450 |
| Total domestic deposits to total assets | 67.3730% | 7,615 |
| Equity capital to assets | 7.0874% | 7,556 |
| Core capital (leverage) ratio | 7.3329% | 7,157 |
| Tier 1 risk-based capital ratio | 13.9888% | 3,560 |
| Total risk-based capital ratio | 14.9627% | 3,656 |
| Memoranda: | ||
| Average total assets | $251,830,000 | 2,607 |
| Average earning assets | $233,275,250 | 2,583 |
| Average equity | $16,049,500 | 3,902 |
| Average total loans | $122,543,250 | 3,460 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5897% | 7,549 |
| Cost of funding earning assets | 2.5540% | 1,429 |
| Net interest margin | 2.0357% | 7,842 |
| Noninterest income to average assets | 0.5042% | 4,408 |
| Noninterest expense to average assets | 1.8766% | 7,656 |
| Loan and lease loss provision to assets | 0.0939% | 6,229 |
| Net operating income to assets | 0.3067% | 4,864 |
| Return on assets (ROA) | 0.4823% | 4,276 |
| Pretax return on assets | 0.6561% | 4,140 |
| Return on Equity (ROE) | 7.8436% | 2,838 |
| Retained earnings to average equity (ytd only) | 1.2988% | 4,613 |
| Net charge-offs to loans | 0.0032% | 6,581 |
| Credit loss provision to net charge-offs | 6,000.0000% | 78 |
| Earnings coverage of net charge-offs (x) | 327.5000% | 114 |
| Efficiency ratio | 78.5387% | 3,266 |
| Assets per employee ($millions) | 9.1175% | 338 |
| Cash dividends to net income (ytd only)* | 83.4416% | 1,016 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1555% | 5,234 |
| Loan loss allowance to noncurrent loans | 64.4475% | 4,210 |
| Noncurrent assets plus other real estate owned to assets | 0.8473% | 5,291 |
| Noncurrent loans to loans | 1.7930% | 3,812 |
| Net loans and leases to total assets | 46.7087% | 7,148 |
| Net loans and leases to deposits | 70.3827% | 5,940 |
| Net loans and leases to core deposits | 80.5511% | 6,356 |
| Total domestic deposits to total assets | 66.3639% | 7,718 |
| Equity capital to assets | 6.2783% | 7,872 |
| Core capital (leverage) ratio | 7.2462% | 7,310 |
| Tier 1 risk-based capital ratio | 13.4014% | 3,865 |
| Total risk-based capital ratio | 14.4297% | 3,938 |
| Memoranda: | ||
| Average total assets | $255,457,330 | 2,577 |
| Average earning assets | $236,574,000 | 2,557 |
| Average equity | $15,707,000 | 3,977 |
| Average total loans | $124,916,000 | 3,442 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8781% | 7,225 |
| Cost of funding earning assets | 2.6843% | 1,312 |
| Net interest margin | 2.1938% | 7,803 |
| Noninterest income to average assets | 0.3788% | 5,398 |
| Noninterest expense to average assets | 1.9191% | 7,514 |
| Loan and lease loss provision to assets | 0.0939% | 5,755 |
| Net operating income to assets | 0.2932% | 5,322 |
| Return on assets (ROA) | 0.4774% | 4,720 |
| Pretax return on assets | 0.6449% | 4,605 |
| Return on Equity (ROE) | 7.8474% | 3,220 |
| Retained earnings to average equity (ytd only) | 7.8474% | 1,874 |
| Net charge-offs to loans | 0.0063% | 5,602 |
| Credit loss provision to net charge-offs | 3,000.0000% | 208 |
| Earnings coverage of net charge-offs (x) | 156.5000% | 280 |
| Efficiency ratio | 79.6621% | 2,867 |
| Assets per employee ($millions) | 8.8915% | 369 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0712% | 5,681 |
| Loan loss allowance to noncurrent loans | 68.6921% | 4,148 |
| Noncurrent assets plus other real estate owned to assets | 0.7800% | 5,222 |
| Noncurrent loans to loans | 1.5594% | 3,945 |
| Net loans and leases to total assets | 49.4851% | 6,901 |
| Net loans and leases to deposits | 76.5563% | 5,141 |
| Net loans and leases to core deposits | 89.3582% | 5,615 |
| Total domestic deposits to total assets | 64.6388% | 7,812 |
| Equity capital to assets | 6.3508% | 7,918 |
| Core capital (leverage) ratio | 7.3389% | 7,335 |
| Tier 1 risk-based capital ratio | 13.6805% | 3,755 |
| Total risk-based capital ratio | 14.6722% | 3,832 |
| Memoranda: | ||
| Average total assets | $255,540,500 | 2,588 |
| Average earning assets | $236,487,500 | 2,568 |
| Average equity | $15,546,500 | 4,033 |
| Average total loans | $127,055,500 | 3,423 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5820% | 7,127 |
| Cost of funding earning assets | 3.1052% | 1,492 |
| Net interest margin | 2.4768% | 7,780 |
| Noninterest income to average assets | 0.2129% | 6,917 |
| Noninterest expense to average assets | 1.4965% | 8,039 |
| Loan and lease loss provision to assets | 0.0011% | 7,329 |
| Net operating income to assets | 0.7253% | 3,779 |
| Return on assets (ROA) | 0.5649% | 4,315 |
| Pretax return on assets | 0.7948% | 4,096 |
| Return on Equity (ROE) | 9.9205% | 2,288 |
| Retained earnings to average equity (ytd only) | 7.3105% | 1,053 |
| Net charge-offs to loans | 0.0024% | 6,988 |
| Credit loss provision to net charge-offs | 100.0000% | 5,290 |
| Earnings coverage of net charge-offs (x) | 921.3333% | 54 |
| Efficiency ratio | 59.4245% | 6,453 |
| Assets per employee ($millions) | 8.7373% | 371 |
| Cash dividends to net income (ytd only)* | 26.3089% | 4,246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9847% | 6,177 |
| Loan loss allowance to noncurrent loans | 66.7713% | 4,680 |
| Noncurrent assets plus other real estate owned to assets | 0.7291% | 5,042 |
| Noncurrent loans to loans | 1.4748% | 3,589 |
| Net loans and leases to total assets | 48.9480% | 7,107 |
| Net loans and leases to deposits | 81.9115% | 4,744 |
| Net loans and leases to core deposits | 93.6634% | 5,476 |
| Total domestic deposits to total assets | 59.7572% | 7,975 |
| Equity capital to assets | 5.8302% | 8,087 |
| Core capital (leverage) ratio | 6.5511% | 7,917 |
| Tier 1 risk-based capital ratio | 13.1881% | 3,998 |
| Total risk-based capital ratio | 14.1186% | 4,107 |
| Memoranda: | ||
| Average total assets | $270,492,400 | 2,378 |
| Average earning assets | $251,774,000 | 2,356 |
| Average equity | $15,402,400 | 4,056 |
| Average total loans | $127,413,200 | 3,311 |