Home > Putnam State Bank > Performance and Condition Ratios
Putnam State 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 | 4.2325% | 4,987 |
| Cost of funding earning assets | 0.9300% | 2,442 |
| Net interest margin | 3.3026% | 5,467 |
| Noninterest income to average assets | -1.4150% | 7,292 |
| Noninterest expense to average assets | 4.4891% | 555 |
| Loan and lease loss provision to assets | 4.6135% | 25 |
| Net operating income to assets | -7.6759% | 7,291 |
| Return on assets (ROA) | -7.6641% | 7,291 |
| Pretax return on assets | -7.6641% | 7,290 |
| Return on Equity (ROE) | -694.7089% | 7,305 |
| Retained earnings to average equity (ytd only) | -694.7089% | 7,305 |
| Net charge-offs to loans | 4.5749% | 116 |
| Credit loss provision to net charge-offs | 151.6975% | 1,650 |
| Earnings coverage of net charge-offs (x) | -1.0069% | 4,556 |
| Efficiency ratio | 314.6382% | 17 |
| Assets per employee ($millions) | 4.0355% | 3,928 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6696% | 100 |
| Loan loss allowance to noncurrent loans | 31.8077% | 6,078 |
| Noncurrent assets plus other real estate owned to assets | 19.7234% | 52 |
| Noncurrent loans to loans | 17.8245% | 72 |
| Net loans and leases to total assets | 62.0801% | 3,240 |
| Net loans and leases to deposits | 65.7520% | 4,412 |
| Net loans and leases to core deposits | 67.9213% | 4,685 |
| Total domestic deposits to total assets | 94.4156% | 75 |
| Equity capital to assets | 0.1115% | 7,304 |
| Core capital (leverage) ratio | 0.1383% | 7,305 |
| Tier 1 risk-based capital ratio | 0.1789% | 7,305 |
| Total risk-based capital ratio | 0.3578% | 7,305 |
| Memoranda: | ||
| Average total assets | $170,456,500 | 3,512 |
| Average earning assets | $146,674,500 | 3,687 |
| Average equity | $1,880,500 | 7,166 |
| Average total loans | $113,315,000 | 3,291 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8900% | 3,406 |
| Cost of funding earning assets | 1.1192% | 2,539 |
| Net interest margin | 3.7708% | 3,975 |
| Noninterest income to average assets | -0.7409% | 7,300 |
| Noninterest expense to average assets | 3.6514% | 1,635 |
| Loan and lease loss provision to assets | 1.1829% | 748 |
| Net operating income to assets | -2.3535% | 7,091 |
| Return on assets (ROA) | -2.0817% | 7,052 |
| Pretax return on assets | -2.0817% | 7,044 |
| Return on Equity (ROE) | -61.0652% | 7,245 |
| Retained earnings to average equity (ytd only) | -61.0652% | 7,245 |
| Net charge-offs to loans | 2.8476% | 365 |
| Credit loss provision to net charge-offs | 62.5149% | 5,105 |
| Earnings coverage of net charge-offs (x) | -0.6186% | 6,118 |
| Efficiency ratio | 147.1818% | 151 |
| Assets per employee ($millions) | 4.0815% | 3,691 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9128% | 190 |
| Loan loss allowance to noncurrent loans | 33.3944% | 5,973 |
| Noncurrent assets plus other real estate owned to assets | 18.2232% | 73 |
| Noncurrent loans to loans | 14.7115% | 133 |
| Net loans and leases to total assets | 63.8376% | 3,225 |
| Net loans and leases to deposits | 68.3410% | 4,393 |
| Net loans and leases to core deposits | 70.0492% | 4,771 |
| Total domestic deposits to total assets | 93.4105% | 118 |
| Equity capital to assets | 2.0837% | 7,321 |
| Core capital (leverage) ratio | 2.0103% | 7,326 |
| Tier 1 risk-based capital ratio | 2.6322% | 7,328 |
| Total risk-based capital ratio | 3.9201% | 7,327 |
| Memoranda: | ||
| Average total assets | $177,356,200 | 3,375 |
| Average earning assets | $151,532,400 | 3,562 |
| Average equity | $6,046,000 | 6,146 |
| Average total loans | $117,851,800 | 3,219 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1234% | 2,502 |
| Cost of funding earning assets | 1.1455% | 2,661 |
| Net interest margin | 3.9779% | 3,015 |
| Noninterest income to average assets | -0.6658% | 7,375 |
| Noninterest expense to average assets | 3.6367% | 1,636 |
| Loan and lease loss provision to assets | 0.0007% | 6,391 |
| Net operating income to assets | -0.9066% | 6,846 |
| Return on assets (ROA) | -0.8149% | 6,840 |
| Pretax return on assets | -0.8149% | 6,790 |
| Return on Equity (ROE) | -21.8666% | 7,120 |
| Retained earnings to average equity (ytd only) | -21.8666% | 7,107 |
| Net charge-offs to loans | 3.5969% | 207 |
| Credit loss provision to net charge-offs | 0.0313% | 5,734 |
| Earnings coverage of net charge-offs (x) | -0.3799% | 5,792 |
| Efficiency ratio | 133.1695% | 212 |
| Assets per employee ($millions) | 3.9418% | 3,972 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2079% | 716 |
| Loan loss allowance to noncurrent loans | 23.4167% | 6,557 |
| Noncurrent assets plus other real estate owned to assets | 18.1553% | 74 |
| Noncurrent loans to loans | 13.6992% | 175 |
| Net loans and leases to total assets | 63.2103% | 3,473 |
| Net loans and leases to deposits | 68.9097% | 4,461 |
| Net loans and leases to core deposits | 70.5172% | 4,887 |
| Total domestic deposits to total assets | 91.7291% | 254 |
| Equity capital to assets | 3.7817% | 7,334 |
| Core capital (leverage) ratio | 3.4481% | 7,328 |
| Tier 1 risk-based capital ratio | 4.4137% | 7,352 |
| Total risk-based capital ratio | 5.6812% | 7,354 |
| Memoranda: | ||
| Average total assets | $178,839,250 | 3,368 |
| Average earning assets | $152,707,500 | 3,555 |
| Average equity | $6,664,500 | 6,008 |
| Average total loans | $118,543,000 | 3,232 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1109% | 2,627 |
| Cost of funding earning assets | 1.1712% | 2,770 |
| Net interest margin | 3.9397% | 3,124 |
| Noninterest income to average assets | 0.2922% | 5,540 |
| Noninterest expense to average assets | 3.4764% | 2,048 |
| Loan and lease loss provision to assets | 0.0011% | 6,214 |
| Net operating income to assets | 0.1762% | 5,813 |
| Return on assets (ROA) | 0.1662% | 5,938 |
| Pretax return on assets | 0.1662% | 5,990 |
| Return on Equity (ROE) | 4.4812% | 4,708 |
| Retained earnings to average equity (ytd only) | 4.4812% | 3,343 |
| Net charge-offs to loans | 3.7591% | 230 |
| Credit loss provision to net charge-offs | 0.0445% | 5,335 |
| Earnings coverage of net charge-offs (x) | 0.0708% | 5,238 |
| Efficiency ratio | 95.1465% | 919 |
| Assets per employee ($millions) | 4.0773% | 3,593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0038% | 417 |
| Loan loss allowance to noncurrent loans | 32.9545% | 6,097 |
| Noncurrent assets plus other real estate owned to assets | 17.6616% | 92 |
| Noncurrent loans to loans | 12.1496% | 244 |
| Net loans and leases to total assets | 60.9995% | 4,087 |
| Net loans and leases to deposits | 66.4308% | 4,932 |
| Net loans and leases to core deposits | 68.2164% | 5,276 |
| Total domestic deposits to total assets | 91.8240% | 274 |
| Equity capital to assets | 3.9024% | 7,397 |
| Core capital (leverage) ratio | 4.0681% | 7,369 |
| Tier 1 risk-based capital ratio | 5.2383% | 7,395 |
| Total risk-based capital ratio | 6.5138% | 7,395 |
| Memoranda: | ||
| Average total assets | $179,325,330 | 3,378 |
| Average earning assets | $153,006,670 | 3,578 |
| Average equity | $6,650,000 | 6,032 |
| Average total loans | $119,444,330 | 3,242 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9923% | 3,137 |
| Cost of funding earning assets | 1.1927% | 2,867 |
| Net interest margin | 3.7996% | 3,622 |
| Noninterest income to average assets | 0.1715% | 6,497 |
| Noninterest expense to average assets | 3.5611% | 1,849 |
| Loan and lease loss provision to assets | 0.0023% | 5,829 |
| Net operating income to assets | -0.1422% | 6,499 |
| Return on assets (ROA) | -0.1625% | 6,539 |
| Pretax return on assets | -0.1625% | 6,509 |
| Return on Equity (ROE) | -4.5035% | 6,780 |
| Retained earnings to average equity (ytd only) | -4.5035% | 6,475 |
| Net charge-offs to loans | 6.9495% | 75 |
| Credit loss provision to net charge-offs | 0.0476% | 4,479 |
| Earnings coverage of net charge-offs (x) | -0.0295% | 4,602 |
| Efficiency ratio | 104.0897% | 623 |
| Assets per employee ($millions) | 3.9768% | 3,883 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0855% | 401 |
| Loan loss allowance to noncurrent loans | 31.3755% | 6,211 |
| Noncurrent assets plus other real estate owned to assets | 18.1973% | 86 |
| Noncurrent loans to loans | 13.0212% | 230 |
| Net loans and leases to total assets | 63.1416% | 3,619 |
| Net loans and leases to deposits | 68.4864% | 4,610 |
| Net loans and leases to core deposits | 70.3865% | 4,992 |
| Total domestic deposits to total assets | 92.1958% | 245 |
| Equity capital to assets | 3.5065% | 7,465 |
| Core capital (leverage) ratio | 3.9970% | 7,440 |
| Tier 1 risk-based capital ratio | 5.1040% | 7,454 |
| Total risk-based capital ratio | 6.3810% | 7,453 |
| Memoranda: | ||
| Average total assets | $177,249,500 | 3,427 |
| Average earning assets | $151,594,500 | 3,614 |
| Average equity | $6,395,000 | 6,129 |
| Average total loans | $120,872,500 | 3,242 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9057% | 5,010 |
| Cost of funding earning assets | 1.7422% | 1,413 |
| Net interest margin | 3.1634% | 6,357 |
| Noninterest income to average assets | -0.5267% | 7,568 |
| Noninterest expense to average assets | 3.8252% | 1,442 |
| Loan and lease loss provision to assets | 1.4306% | 1,044 |
| Net operating income to assets | -3.0149% | 7,297 |
| Return on assets (ROA) | -2.8617% | 7,286 |
| Pretax return on assets | -2.8617% | 7,264 |
| Return on Equity (ROE) | -86.7146% | 7,570 |
| Retained earnings to average equity (ytd only) | -86.7146% | 7,569 |
| Net charge-offs to loans | 2.7600% | 644 |
| Credit loss provision to net charge-offs | 74.6452% | 5,746 |
| Earnings coverage of net charge-offs (x) | -0.8267% | 6,559 |
| Efficiency ratio | 170.7049% | 137 |
| Assets per employee ($millions) | 4.0824% | 3,614 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5778% | 135 |
| Loan loss allowance to noncurrent loans | 35.6487% | 5,946 |
| Noncurrent assets plus other real estate owned to assets | 19.3911% | 74 |
| Noncurrent loans to loans | 15.6467% | 140 |
| Net loans and leases to total assets | 66.6636% | 3,314 |
| Net loans and leases to deposits | 72.5042% | 4,430 |
| Net loans and leases to core deposits | 74.9745% | 4,853 |
| Total domestic deposits to total assets | 91.9445% | 293 |
| Equity capital to assets | 3.7113% | 7,522 |
| Core capital (leverage) ratio | 4.0221% | 7,495 |
| Tier 1 risk-based capital ratio | 5.0746% | 7,521 |
| Total risk-based capital ratio | 6.3698% | 7,523 |
| Memoranda: | ||
| Average total assets | $191,181,000 | 3,212 |
| Average earning assets | $167,255,400 | 3,336 |
| Average equity | $6,309,200 | 6,271 |
| Average total loans | $132,752,400 | 3,073 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9196% | 5,174 |
| Cost of funding earning assets | 1.8470% | 1,228 |
| Net interest margin | 3.0726% | 6,679 |
| Noninterest income to average assets | -0.1346% | 7,559 |
| Noninterest expense to average assets | 3.5347% | 1,948 |
| Loan and lease loss provision to assets | 2.0892% | 555 |
| Net operating income to assets | -3.0618% | 7,463 |
| Return on assets (ROA) | -2.9408% | 7,449 |
| Pretax return on assets | -2.9408% | 7,406 |
| Return on Equity (ROE) | -91.6814% | 7,679 |
| Retained earnings to average equity (ytd only) | -91.6814% | 7,679 |
| Net charge-offs to loans | 2.9441% | 543 |
| Credit loss provision to net charge-offs | 102.5839% | 4,196 |
| Earnings coverage of net charge-offs (x) | -0.4775% | 6,313 |
| Efficiency ratio | 137.9568% | 256 |
| Assets per employee ($millions) | 4.4087% | 3,065 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.4316% | 90 |
| Loan loss allowance to noncurrent loans | 41.2847% | 5,534 |
| Noncurrent assets plus other real estate owned to assets | 18.2727% | 88 |
| Noncurrent loans to loans | 15.5788% | 149 |
| Net loans and leases to total assets | 62.2098% | 4,485 |
| Net loans and leases to deposits | 68.0941% | 5,408 |
| Net loans and leases to core deposits | 70.0472% | 5,746 |
| Total domestic deposits to total assets | 91.3586% | 344 |
| Equity capital to assets | 4.3825% | 7,620 |
| Core capital (leverage) ratio | 4.0856% | 7,616 |
| Tier 1 risk-based capital ratio | 5.5188% | 7,619 |
| Total risk-based capital ratio | 6.8225% | 7,620 |
| Memoranda: | ||
| Average total assets | $195,090,250 | 3,204 |
| Average earning assets | $171,229,250 | 3,299 |
| Average equity | $6,257,750 | 6,375 |
| Average total loans | $134,956,250 | 3,079 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9565% | 5,150 |
| Cost of funding earning assets | 1.9090% | 1,210 |
| Net interest margin | 3.0475% | 6,731 |
| Noninterest income to average assets | -0.0091% | 7,548 |
| Noninterest expense to average assets | 3.2097% | 2,870 |
| Loan and lease loss provision to assets | 2.1744% | 555 |
| Net operating income to assets | -2.7057% | 7,462 |
| Return on assets (ROA) | -2.6200% | 7,451 |
| Pretax return on assets | -2.6200% | 7,394 |
| Return on Equity (ROE) | -92.1849% | 7,725 |
| Retained earnings to average equity (ytd only) | -92.1849% | 7,724 |
| Net charge-offs to loans | 2.6162% | 637 |
| Credit loss provision to net charge-offs | 118.7122% | 3,422 |
| Earnings coverage of net charge-offs (x) | -0.2900% | 5,924 |
| Efficiency ratio | 119.8344% | 418 |
| Assets per employee ($millions) | 4.5012% | 2,869 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.1721% | 97 |
| Loan loss allowance to noncurrent loans | 40.3402% | 5,657 |
| Noncurrent assets plus other real estate owned to assets | 15.6166% | 123 |
| Noncurrent loans to loans | 15.3000% | 160 |
| Net loans and leases to total assets | 62.7956% | 4,517 |
| Net loans and leases to deposits | 68.2441% | 5,533 |
| Net loans and leases to core deposits | 70.2216% | 5,851 |
| Total domestic deposits to total assets | 92.0162% | 218 |
| Equity capital to assets | 3.9086% | 7,703 |
| Core capital (leverage) ratio | 3.7273% | 7,696 |
| Tier 1 risk-based capital ratio | 4.9227% | 7,705 |
| Total risk-based capital ratio | 6.2242% | 7,703 |
| Memoranda: | ||
| Average total assets | $198,398,000 | 3,187 |
| Average earning assets | $174,961,670 | 3,256 |
| Average equity | $5,638,670 | 6,576 |
| Average total loans | $138,905,000 | 3,038 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0404% | 4,831 |
| Cost of funding earning assets | 2.0139% | 1,035 |
| Net interest margin | 3.0265% | 6,773 |
| Noninterest income to average assets | -0.3102% | 7,827 |
| Noninterest expense to average assets | 3.0417% | 3,513 |
| Loan and lease loss provision to assets | 1.2026% | 1,014 |
| Net operating income to assets | -1.8875% | 7,436 |
| Return on assets (ROA) | -1.8875% | 7,437 |
| Pretax return on assets | -1.8875% | 7,378 |
| Return on Equity (ROE) | -81.7003% | 7,800 |
| Retained earnings to average equity (ytd only) | -81.7003% | 7,795 |
| Net charge-offs to loans | 2.8631% | 552 |
| Credit loss provision to net charge-offs | 58.7021% | 4,324 |
| Earnings coverage of net charge-offs (x) | -0.3343% | 5,223 |
| Efficiency ratio | 129.0598% | 345 |
| Assets per employee ($millions) | 4.3482% | 3,213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3926% | 134 |
| Loan loss allowance to noncurrent loans | 41.1364% | 5,609 |
| Noncurrent assets plus other real estate owned to assets | 12.7993% | 220 |
| Noncurrent loans to loans | 13.1090% | 245 |
| Net loans and leases to total assets | 65.0908% | 4,083 |
| Net loans and leases to deposits | 69.4624% | 5,413 |
| Net loans and leases to core deposits | 71.4876% | 5,771 |
| Total domestic deposits to total assets | 93.7066% | 80 |
| Equity capital to assets | 2.3613% | 7,875 |
| Core capital (leverage) ratio | 2.4256% | 7,868 |
| Tier 1 risk-based capital ratio | 3.0402% | 7,875 |
| Total risk-based capital ratio | 4.3336% | 7,876 |
| Memoranda: | ||
| Average total assets | $198,571,000 | 3,231 |
| Average earning assets | $174,987,500 | 3,321 |
| Average equity | $4,587,500 | 6,982 |
| Average total loans | $142,083,000 | 3,035 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6080% | 3,564 |
| Cost of funding earning assets | 2.4437% | 1,179 |
| Net interest margin | 3.1642% | 6,193 |
| Noninterest income to average assets | -0.3706% | 7,910 |
| Noninterest expense to average assets | 3.2827% | 3,073 |
| Loan and lease loss provision to assets | 7.1962% | 61 |
| Net operating income to assets | -7.0349% | 7,895 |
| Return on assets (ROA) | -7.0264% | 7,891 |
| Pretax return on assets | -8.0154% | 7,913 |
| Return on Equity (ROE) | -106.4723% | 7,946 |
| Retained earnings to average equity (ytd only) | -106.4723% | 7,945 |
| Net charge-offs to loans | 5.3170% | 221 |
| Credit loss provision to net charge-offs | 176.0105% | 2,389 |
| Earnings coverage of net charge-offs (x) | -0.2027% | 6,445 |
| Efficiency ratio | 133.7795% | 439 |
| Assets per employee ($millions) | 4.2853% | 3,295 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3504% | 137 |
| Loan loss allowance to noncurrent loans | 48.7533% | 5,134 |
| Noncurrent assets plus other real estate owned to assets | 12.2391% | 242 |
| Noncurrent loans to loans | 10.9743% | 345 |
| Net loans and leases to total assets | 70.3672% | 3,166 |
| Net loans and leases to deposits | 76.2994% | 4,685 |
| Net loans and leases to core deposits | 113.3335% | 2,562 |
| Total domestic deposits to total assets | 92.2252% | 225 |
| Equity capital to assets | 2.2585% | 7,951 |
| Core capital (leverage) ratio | 2.3928% | 7,937 |
| Tier 1 risk-based capital ratio | 2.8552% | 7,950 |
| Total risk-based capital ratio | 4.1478% | 7,951 |
| Memoranda: | ||
| Average total assets | $194,837,600 | 3,238 |
| Average earning assets | $173,913,400 | 3,292 |
| Average equity | $12,857,800 | 4,543 |
| Average total loans | $149,820,400 | 2,913 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7697% | 3,022 |
| Cost of funding earning assets | 2.5319% | 1,204 |
| Net interest margin | 3.2378% | 5,886 |
| Noninterest income to average assets | 0.1180% | 7,302 |
| Noninterest expense to average assets | 3.1537% | 3,449 |
| Loan and lease loss provision to assets | 5.6279% | 127 |
| Net operating income to assets | -3.5991% | 7,699 |
| Return on assets (ROA) | -3.5991% | 7,702 |
| Pretax return on assets | -5.7706% | 7,893 |
| Return on Equity (ROE) | -46.7392% | 7,808 |
| Retained earnings to average equity (ytd only) | -46.7392% | 7,803 |
| Net charge-offs to loans | 3.5767% | 415 |
| Credit loss provision to net charge-offs | 202.9201% | 2,197 |
| Earnings coverage of net charge-offs (x) | -0.0515% | 6,128 |
| Efficiency ratio | 104.7413% | 889 |
| Assets per employee ($millions) | 4.1156% | 3,533 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9627% | 307 |
| Loan loss allowance to noncurrent loans | 52.3143% | 4,830 |
| Noncurrent assets plus other real estate owned to assets | 10.2659% | 323 |
| Noncurrent loans to loans | 7.5747% | 674 |
| Net loans and leases to total assets | 72.9345% | 2,814 |
| Net loans and leases to deposits | 83.0782% | 3,814 |
| Net loans and leases to core deposits | 115.2806% | 2,696 |
| Total domestic deposits to total assets | 87.7902% | 1,754 |
| Equity capital to assets | 6.7002% | 7,708 |
| Core capital (leverage) ratio | 5.3457% | 7,896 |
| Tier 1 risk-based capital ratio | 5.9503% | 7,956 |
| Total risk-based capital ratio | 7.2263% | 7,958 |
| Memoranda: | ||
| Average total assets | $194,266,250 | 3,263 |
| Average earning assets | $173,569,000 | 3,325 |
| Average equity | $14,959,250 | 4,101 |
| Average total loans | $150,637,750 | 2,937 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9401% | 2,419 |
| Cost of funding earning assets | 2.6058% | 1,268 |
| Net interest margin | 3.3342% | 5,422 |
| Noninterest income to average assets | 0.1170% | 7,403 |
| Noninterest expense to average assets | 3.0615% | 3,833 |
| Loan and lease loss provision to assets | 8.4898% | 59 |
| Net operating income to assets | -5.2771% | 7,959 |
| Return on assets (ROA) | -5.2771% | 7,950 |
| Pretax return on assets | -8.4391% | 8,062 |
| Return on Equity (ROE) | -65.6252% | 8,005 |
| Retained earnings to average equity (ytd only) | -65.6252% | 7,999 |
| Net charge-offs to loans | 5.3407% | 223 |
| Credit loss provision to net charge-offs | 203.5750% | 2,235 |
| Earnings coverage of net charge-offs (x) | 0.0122% | 5,674 |
| Efficiency ratio | 98.3699% | 1,255 |
| Assets per employee ($millions) | 4.1649% | 3,364 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0045% | 258 |
| Loan loss allowance to noncurrent loans | 125.6962% | 2,345 |
| Noncurrent assets plus other real estate owned to assets | 7.9938% | 472 |
| Noncurrent loans to loans | 3.1859% | 2,238 |
| Net loans and leases to total assets | 74.5481% | 2,558 |
| Net loans and leases to deposits | 89.2627% | 2,939 |
| Net loans and leases to core deposits | 120.5023% | 2,324 |
| Total domestic deposits to total assets | 83.5154% | 4,007 |
| Equity capital to assets | 6.8847% | 7,666 |
| Core capital (leverage) ratio | 6.6302% | 7,726 |
| Tier 1 risk-based capital ratio | 7.1888% | 7,993 |
| Total risk-based capital ratio | 8.4649% | 7,996 |
| Memoranda: | ||
| Average total assets | $193,172,670 | 3,303 |
| Average earning assets | $173,533,000 | 3,354 |
| Average equity | $15,533,670 | 4,012 |
| Average total loans | $150,842,000 | 2,969 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8582% | 2,994 |
| Cost of funding earning assets | 2.6573% | 1,385 |
| Net interest margin | 3.2010% | 5,854 |
| Noninterest income to average assets | 0.2537% | 6,434 |
| Noninterest expense to average assets | 3.0459% | 3,571 |
| Loan and lease loss provision to assets | 1.8560% | 661 |
| Net operating income to assets | -1.1115% | 7,315 |
| Return on assets (ROA) | -1.1115% | 7,325 |
| Pretax return on assets | -1.7343% | 7,449 |
| Return on Equity (ROE) | -12.9059% | 7,516 |
| Retained earnings to average equity (ytd only) | -12.9059% | 7,317 |
| Net charge-offs to loans | 0.3134% | 2,851 |
| Credit loss provision to net charge-offs | 756.3025% | 786 |
| Earnings coverage of net charge-offs (x) | 0.4958% | 4,590 |
| Efficiency ratio | 96.1589% | 1,315 |
| Assets per employee ($millions) | 4.1743% | 3,310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6673% | 2,253 |
| Loan loss allowance to noncurrent loans | 26.7257% | 6,790 |
| Noncurrent assets plus other real estate owned to assets | 8.2789% | 338 |
| Noncurrent loans to loans | 6.2387% | 739 |
| Net loans and leases to total assets | 78.8421% | 1,613 |
| Net loans and leases to deposits | 95.9738% | 1,953 |
| Net loans and leases to core deposits | 128.5284% | 1,743 |
| Total domestic deposits to total assets | 82.1496% | 4,492 |
| Equity capital to assets | 8.5232% | 6,039 |
| Core capital (leverage) ratio | 8.4488% | 5,629 |
| Tier 1 risk-based capital ratio | 9.0235% | 7,782 |
| Total risk-based capital ratio | 10.2755% | 7,805 |
| Memoranda: | ||
| Average total assets | $193,966,500 | 3,310 |
| Average earning assets | $176,572,500 | 3,330 |
| Average equity | $16,705,500 | 3,792 |
| Average total loans | $151,872,500 | 2,976 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5464% | 2,737 |
| Cost of funding earning assets | 3.1029% | 1,496 |
| Net interest margin | 3.4436% | 5,492 |
| Noninterest income to average assets | 0.2207% | 6,862 |
| Noninterest expense to average assets | 2.7773% | 4,917 |
| Loan and lease loss provision to assets | 0.5283% | 2,701 |
| Net operating income to assets | 0.0636% | 6,200 |
| Return on assets (ROA) | 0.1280% | 5,874 |
| Pretax return on assets | 0.1998% | 5,729 |
| Return on Equity (ROE) | 1.4405% | 5,788 |
| Retained earnings to average equity (ytd only) | 1.4405% | 4,357 |
| Net charge-offs to loans | 0.4841% | 2,421 |
| Credit loss provision to net charge-offs | 144.3631% | 3,661 |
| Earnings coverage of net charge-offs (x) | 1.7145% | 5,221 |
| Efficiency ratio | 81.5736% | 2,364 |
| Assets per employee ($millions) | 4.1684% | 3,172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1924% | 4,596 |
| Loan loss allowance to noncurrent loans | 19.4681% | 7,261 |
| Noncurrent assets plus other real estate owned to assets | 7.5283% | 321 |
| Noncurrent loans to loans | 6.1247% | 570 |
| Net loans and leases to total assets | 75.5435% | 2,747 |
| Net loans and leases to deposits | 91.9592% | 3,141 |
| Net loans and leases to core deposits | 123.2520% | 2,380 |
| Total domestic deposits to total assets | 82.1489% | 4,142 |
| Equity capital to assets | 8.7002% | 5,813 |
| Core capital (leverage) ratio | 8.6642% | 5,259 |
| Tier 1 risk-based capital ratio | 9.4974% | 7,309 |
| Total risk-based capital ratio | 10.5106% | 7,497 |
| Memoranda: | ||
| Average total assets | $186,653,600 | 3,314 |
| Average earning assets | $172,582,800 | 3,291 |
| Average equity | $16,591,800 | 3,812 |
| Average total loans | $141,100,000 | 3,075 |