Home > First Federal Bank > Performance and Condition Ratios
First Federal Bank, Performance and Condition Ratios
| 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 | 4.0615% | 3,882 |
| Cost of funding earning assets | 1.0876% | 397 |
| Net interest margin | 2.9739% | 5,638 |
| Noninterest income to average assets | 0.7955% | 2,143 |
| Noninterest expense to average assets | 5.0052% | 371 |
| Loan and lease loss provision to assets | 0.0622% | 3,597 |
| Net operating income to assets | -1.9184% | 6,921 |
| Return on assets (ROA) | -1.9184% | 6,923 |
| Pretax return on assets | -1.9267% | 6,915 |
| Return on Equity (ROE) | -178.2483% | 7,010 |
| Retained earnings to average equity (ytd only) | -178.2483% | 7,010 |
| Net charge-offs to loans | 0.0924% | 2,920 |
| Credit loss provision to net charge-offs | 93.7500% | 1,955 |
| Earnings coverage of net charge-offs (x) | -28.1250% | 4,133 |
| Efficiency ratio | 159.3668% | 74 |
| Assets per employee ($millions) | 3.3208% | 5,390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3104% | 109 |
| Loan loss allowance to noncurrent loans | 34.0072% | 5,871 |
| Noncurrent assets plus other real estate owned to assets | 16.0601% | 60 |
| Noncurrent loans to loans | 15.6156% | 64 |
| Net loans and leases to total assets | 68.3842% | 1,942 |
| Net loans and leases to deposits | 72.9219% | 3,063 |
| Net loans and leases to core deposits | 74.4233% | 3,528 |
| Total domestic deposits to total assets | 93.7773% | 84 |
| Equity capital to assets | 0.8701% | 7,015 |
| Core capital (leverage) ratio | 0.8956% | 7,014 |
| Tier 1 risk-based capital ratio | 1.1988% | 7,014 |
| Total risk-based capital ratio | 2.3976% | 7,014 |
| Memoranda: | ||
| Average total assets | $96,540,500 | 4,942 |
| Average earning assets | $76,129,000 | 5,263 |
| Average equity | $1,039,000 | 6,994 |
| Average total loans | $69,246,000 | 4,368 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3262% | 4,102 |
| Cost of funding earning assets | 1.4314% | 223 |
| Net interest margin | 2.8948% | 6,234 |
| Noninterest income to average assets | -1.5157% | 7,071 |
| Noninterest expense to average assets | 7.1716% | 140 |
| Loan and lease loss provision to assets | 0.6023% | 913 |
| Net operating income to assets | -6.9956% | 7,074 |
| Return on assets (ROA) | -6.9956% | 7,074 |
| Pretax return on assets | -6.9947% | 7,075 |
| Return on Equity (ROE) | -137.7334% | 7,079 |
| Retained earnings to average equity (ytd only) | -137.7334% | 7,079 |
| Net charge-offs to loans | 2.1107% | 334 |
| Credit loss provision to net charge-offs | 39.8271% | 4,939 |
| Earnings coverage of net charge-offs (x) | -4.2271% | 5,897 |
| Efficiency ratio | 920.3579% | 4 |
| Assets per employee ($millions) | 3.5750% | 4,843 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9999% | 137 |
| Loan loss allowance to noncurrent loans | 30.3368% | 6,046 |
| Noncurrent assets plus other real estate owned to assets | 17.1720% | 56 |
| Noncurrent loans to loans | 16.4814% | 62 |
| Net loans and leases to total assets | 67.7070% | 2,236 |
| Net loans and leases to deposits | 72.2145% | 3,380 |
| Net loans and leases to core deposits | 74.0174% | 3,778 |
| Total domestic deposits to total assets | 93.7582% | 75 |
| Equity capital to assets | 1.2677% | 7,075 |
| Core capital (leverage) ratio | 1.2847% | 7,075 |
| Tier 1 risk-based capital ratio | 1.8204% | 7,076 |
| Total risk-based capital ratio | 3.1171% | 7,076 |
| Memoranda: | ||
| Average total assets | $114,729,600 | 4,470 |
| Average earning assets | $90,957,000 | 4,841 |
| Average equity | $5,827,200 | 6,066 |
| Average total loans | $82,200,200 | 3,966 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3568% | 4,221 |
| Cost of funding earning assets | 1.4826% | 222 |
| Net interest margin | 2.8742% | 6,402 |
| Noninterest income to average assets | -2.9338% | 7,179 |
| Noninterest expense to average assets | 4.6333% | 486 |
| Loan and lease loss provision to assets | 0.5462% | 1,069 |
| Net operating income to assets | -5.8361% | 7,167 |
| Return on assets (ROA) | -5.8361% | 7,167 |
| Pretax return on assets | -5.8361% | 7,168 |
| Return on Equity (ROE) | -99.1734% | 7,162 |
| Retained earnings to average equity (ytd only) | -99.1734% | 7,161 |
| Net charge-offs to loans | 2.0632% | 342 |
| Credit loss provision to net charge-offs | 36.9102% | 4,684 |
| Earnings coverage of net charge-offs (x) | -3.5746% | 5,684 |
| Efficiency ratio | -705.6604% | 7,179 |
| Assets per employee ($millions) | 3.0063% | 6,044 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8176% | 164 |
| Loan loss allowance to noncurrent loans | 31.5145% | 6,063 |
| Noncurrent assets plus other real estate owned to assets | 16.6491% | 69 |
| Noncurrent loans to loans | 15.2869% | 93 |
| Net loans and leases to total assets | 69.0598% | 2,100 |
| Net loans and leases to deposits | 75.5512% | 3,049 |
| Net loans and leases to core deposits | 77.3663% | 3,557 |
| Total domestic deposits to total assets | 91.4080% | 307 |
| Equity capital to assets | 3.8012% | 7,107 |
| Core capital (leverage) ratio | 3.8151% | 7,099 |
| Tier 1 risk-based capital ratio | 5.3828% | 7,105 |
| Total risk-based capital ratio | 6.6786% | 7,105 |
| Memoranda: | ||
| Average total assets | $118,387,250 | 4,432 |
| Average earning assets | $93,798,000 | 4,802 |
| Average equity | $6,966,750 | 5,842 |
| Average total loans | $84,915,000 | 3,920 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4417% | 4,019 |
| Cost of funding earning assets | 1.5125% | 232 |
| Net interest margin | 2.9292% | 6,378 |
| Noninterest income to average assets | -3.5508% | 7,244 |
| Noninterest expense to average assets | 4.3458% | 624 |
| Loan and lease loss provision to assets | 0.3646% | 1,811 |
| Net operating income to assets | -5.9504% | 7,219 |
| Return on assets (ROA) | -5.9504% | 7,220 |
| Pretax return on assets | -5.9487% | 7,219 |
| Return on Equity (ROE) | -91.5168% | 7,204 |
| Retained earnings to average equity (ytd only) | -91.5168% | 7,200 |
| Net charge-offs to loans | 2.9594% | 201 |
| Credit loss provision to net charge-offs | 17.2360% | 4,654 |
| Earnings coverage of net charge-offs (x) | -2.6398% | 5,399 |
| Efficiency ratio | -350.9284% | 7,240 |
| Assets per employee ($millions) | 3.2863% | 5,480 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2448% | 289 |
| Loan loss allowance to noncurrent loans | 29.9941% | 6,158 |
| Noncurrent assets plus other real estate owned to assets | 15.7505% | 84 |
| Noncurrent loans to loans | 14.1521% | 117 |
| Net loans and leases to total assets | 67.5945% | 2,345 |
| Net loans and leases to deposits | 78.6686% | 2,569 |
| Net loans and leases to core deposits | 80.5830% | 3,136 |
| Total domestic deposits to total assets | 85.9231% | 3,393 |
| Equity capital to assets | 4.7952% | 7,105 |
| Core capital (leverage) ratio | 4.7757% | 7,084 |
| Tier 1 risk-based capital ratio | 6.9450% | 7,096 |
| Total risk-based capital ratio | 8.2333% | 7,094 |
| Memoranda: | ||
| Average total assets | $121,773,670 | 4,382 |
| Average earning assets | $96,134,000 | 4,761 |
| Average equity | $7,917,670 | 5,599 |
| Average total loans | $87,045,000 | 3,880 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4426% | 4,148 |
| Cost of funding earning assets | 1.5440% | 237 |
| Net interest margin | 2.8986% | 6,491 |
| Noninterest income to average assets | 0.4437% | 4,337 |
| Noninterest expense to average assets | 4.3366% | 635 |
| Loan and lease loss provision to assets | 0.0486% | 4,800 |
| Net operating income to assets | -1.6614% | 7,120 |
| Return on assets (ROA) | -1.6614% | 7,123 |
| Pretax return on assets | -1.6614% | 7,100 |
| Return on Equity (ROE) | -22.6991% | 7,132 |
| Retained earnings to average equity (ytd only) | -22.6991% | 7,080 |
| Net charge-offs to loans | 2.7519% | 280 |
| Credit loss provision to net charge-offs | 2.4550% | 3,978 |
| Earnings coverage of net charge-offs (x) | -0.8151% | 4,544 |
| Efficiency ratio | 159.2152% | 83 |
| Assets per employee ($millions) | 3.2137% | 5,737 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6162% | 232 |
| Loan loss allowance to noncurrent loans | 30.1925% | 6,161 |
| Noncurrent assets plus other real estate owned to assets | 18.8796% | 59 |
| Noncurrent loans to loans | 15.2893% | 116 |
| Net loans and leases to total assets | 69.7702% | 1,794 |
| Net loans and leases to deposits | 83.7897% | 1,691 |
| Net loans and leases to core deposits | 86.5855% | 2,220 |
| Total domestic deposits to total assets | 83.2683% | 4,825 |
| Equity capital to assets | 7.3865% | 6,825 |
| Core capital (leverage) ratio | 7.3680% | 6,705 |
| Tier 1 risk-based capital ratio | 9.8649% | 6,905 |
| Total risk-based capital ratio | 11.1541% | 6,903 |
| Memoranda: | ||
| Average total assets | $123,507,000 | 4,362 |
| Average earning assets | $97,150,500 | 4,773 |
| Average equity | $9,040,000 | 5,271 |
| Average total loans | $88,810,500 | 3,855 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6048% | 4,663 |
| Cost of funding earning assets | 1.7870% | 225 |
| Net interest margin | 2.8178% | 6,801 |
| Noninterest income to average assets | 0.1203% | 6,544 |
| Noninterest expense to average assets | 4.3298% | 701 |
| Loan and lease loss provision to assets | 1.0621% | 865 |
| Net operating income to assets | -4.8235% | 7,297 |
| Return on assets (ROA) | -4.8235% | 7,301 |
| Pretax return on assets | -3.0358% | 7,185 |
| Return on Equity (ROE) | -46.9091% | 7,193 |
| Retained earnings to average equity (ytd only) | -46.9091% | 7,189 |
| Net charge-offs to loans | 0.4905% | 3,033 |
| Credit loss provision to net charge-offs | 308.7983% | 754 |
| Earnings coverage of net charge-offs (x) | -5.7382% | 6,369 |
| Efficiency ratio | 183.7719% | 75 |
| Assets per employee ($millions) | 3.4624% | 5,111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0880% | 170 |
| Loan loss allowance to noncurrent loans | 48.7320% | 5,092 |
| Noncurrent assets plus other real estate owned to assets | 14.6127% | 139 |
| Noncurrent loans to loans | 10.4407% | 289 |
| Net loans and leases to total assets | 67.1566% | 2,548 |
| Net loans and leases to deposits | 79.8680% | 2,544 |
| Net loans and leases to core deposits | 83.1904% | 2,997 |
| Total domestic deposits to total assets | 84.0845% | 4,285 |
| Equity capital to assets | 7.2572% | 6,888 |
| Core capital (leverage) ratio | 7.2702% | 6,758 |
| Tier 1 risk-based capital ratio | 10.1998% | 6,798 |
| Total risk-based capital ratio | 11.4946% | 6,767 |
| Memoranda: | ||
| Average total assets | $135,481,200 | 4,062 |
| Average earning assets | $107,496,800 | 4,463 |
| Average equity | $13,931,200 | 4,122 |
| Average total loans | $95,000,400 | 3,745 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7752% | 4,122 |
| Cost of funding earning assets | 1.8291% | 235 |
| Net interest margin | 2.9461% | 6,675 |
| Noninterest income to average assets | 0.3981% | 4,684 |
| Noninterest expense to average assets | 4.2798% | 730 |
| Loan and lease loss provision to assets | 0.0699% | 5,580 |
| Net operating income to assets | -1.4263% | 7,023 |
| Return on assets (ROA) | -1.4263% | 7,038 |
| Pretax return on assets | -1.6137% | 7,042 |
| Return on Equity (ROE) | -12.9798% | 6,971 |
| Retained earnings to average equity (ytd only) | -12.9798% | 6,946 |
| Net charge-offs to loans | 0.0735% | 5,226 |
| Credit loss provision to net charge-offs | 135.8491% | 2,352 |
| Earnings coverage of net charge-offs (x) | -30.0021% | 6,160 |
| Efficiency ratio | 156.4230% | 117 |
| Assets per employee ($millions) | 3.4147% | 5,214 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9064% | 424 |
| Loan loss allowance to noncurrent loans | 56.8829% | 4,604 |
| Noncurrent assets plus other real estate owned to assets | 11.6570% | 243 |
| Noncurrent loans to loans | 6.8674% | 736 |
| Net loans and leases to total assets | 67.5505% | 2,561 |
| Net loans and leases to deposits | 83.6089% | 2,061 |
| Net loans and leases to core deposits | 87.0978% | 2,620 |
| Total domestic deposits to total assets | 80.7934% | 5,499 |
| Equity capital to assets | 10.7882% | 3,378 |
| Core capital (leverage) ratio | 9.0138% | 4,904 |
| Tier 1 risk-based capital ratio | 12.1827% | 5,754 |
| Total risk-based capital ratio | 13.4637% | 5,718 |
| Memoranda: | ||
| Average total assets | $137,324,500 | 4,054 |
| Average earning assets | $108,977,000 | 4,452 |
| Average equity | $15,089,750 | 3,896 |
| Average total loans | $96,089,250 | 3,753 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7480% | 4,312 |
| Cost of funding earning assets | 1.8768% | 232 |
| Net interest margin | 2.8713% | 6,839 |
| Noninterest income to average assets | 0.4729% | 4,084 |
| Noninterest expense to average assets | 4.3891% | 673 |
| Loan and lease loss provision to assets | 0.0822% | 5,281 |
| Net operating income to assets | -1.4347% | 7,077 |
| Return on assets (ROA) | -1.4347% | 7,090 |
| Pretax return on assets | -1.7129% | 7,116 |
| Return on Equity (ROE) | -12.9805% | 7,017 |
| Retained earnings to average equity (ytd only) | -12.9805% | 6,978 |
| Net charge-offs to loans | 0.0887% | 4,772 |
| Credit loss provision to net charge-offs | 132.5581% | 2,305 |
| Earnings coverage of net charge-offs (x) | -26.3023% | 5,848 |
| Efficiency ratio | 159.1218% | 123 |
| Assets per employee ($millions) | 3.2936% | 5,437 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7664% | 482 |
| Loan loss allowance to noncurrent loans | 57.8489% | 4,569 |
| Noncurrent assets plus other real estate owned to assets | 11.2742% | 293 |
| Noncurrent loans to loans | 6.5107% | 854 |
| Net loans and leases to total assets | 67.4539% | 2,720 |
| Net loans and leases to deposits | 83.0686% | 2,265 |
| Net loans and leases to core deposits | 86.7461% | 2,790 |
| Total domestic deposits to total assets | 81.2026% | 5,458 |
| Equity capital to assets | 10.7212% | 3,264 |
| Core capital (leverage) ratio | 9.0166% | 4,693 |
| Tier 1 risk-based capital ratio | 12.2537% | 5,565 |
| Total risk-based capital ratio | 13.5337% | 5,519 |
| Memoranda: | ||
| Average total assets | $138,708,330 | 4,052 |
| Average earning assets | $110,403,330 | 4,434 |
| Average equity | $15,330,670 | 3,850 |
| Average total loans | $96,913,670 | 3,771 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6483% | 4,748 |
| Cost of funding earning assets | 1.9350% | 216 |
| Net interest margin | 2.7133% | 7,000 |
| Noninterest income to average assets | 0.5011% | 3,876 |
| Noninterest expense to average assets | 4.5415% | 574 |
| Loan and lease loss provision to assets | 0.0432% | 5,451 |
| Net operating income to assets | -1.3593% | 7,149 |
| Return on assets (ROA) | -1.3593% | 7,158 |
| Pretax return on assets | -1.9151% | 7,239 |
| Return on Equity (ROE) | -12.1177% | 7,077 |
| Retained earnings to average equity (ytd only) | -12.1177% | 6,946 |
| Net charge-offs to loans | -0.0041% | 6,222 |
| Credit loss provision to net charge-offs | -1,500.0000% | 6,176 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 170.1187% | 94 |
| Assets per employee ($millions) | 3.1258% | 5,883 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7569% | 504 |
| Loan loss allowance to noncurrent loans | 58.2961% | 4,506 |
| Noncurrent assets plus other real estate owned to assets | 10.5451% | 367 |
| Noncurrent loans to loans | 6.4446% | 937 |
| Net loans and leases to total assets | 66.5468% | 2,870 |
| Net loans and leases to deposits | 82.0767% | 2,351 |
| Net loans and leases to core deposits | 85.7080% | 2,920 |
| Total domestic deposits to total assets | 81.0788% | 5,633 |
| Equity capital to assets | 10.9084% | 2,769 |
| Core capital (leverage) ratio | 9.2390% | 4,229 |
| Tier 1 risk-based capital ratio | 12.3129% | 5,427 |
| Total risk-based capital ratio | 13.5912% | 5,402 |
| Memoranda: | ||
| Average total assets | $138,896,000 | 4,079 |
| Average earning assets | $111,008,500 | 4,440 |
| Average equity | $15,580,500 | 3,799 |
| Average total loans | $96,889,000 | 3,813 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2764% | 3,233 |
| Cost of funding earning assets | 2.0644% | 484 |
| Net interest margin | 3.2120% | 6,245 |
| Noninterest income to average assets | 0.7901% | 2,331 |
| Noninterest expense to average assets | 5.1666% | 374 |
| Loan and lease loss provision to assets | 4.9850% | 78 |
| Net operating income to assets | -4.7547% | 7,517 |
| Return on assets (ROA) | -4.7547% | 7,524 |
| Pretax return on assets | -6.6838% | 7,601 |
| Return on Equity (ROE) | -32.9426% | 7,267 |
| Retained earnings to average equity (ytd only) | -32.9426% | 7,257 |
| Net charge-offs to loans | 3.9168% | 329 |
| Credit loss provision to net charge-offs | 164.9787% | 2,085 |
| Earnings coverage of net charge-offs (x) | -0.5622% | 6,479 |
| Efficiency ratio | 148.9897% | 217 |
| Assets per employee ($millions) | 2.9811% | 6,144 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7692% | 485 |
| Loan loss allowance to noncurrent loans | 82.0108% | 3,450 |
| Noncurrent assets plus other real estate owned to assets | 8.6436% | 537 |
| Noncurrent loans to loans | 4.5960% | 1,532 |
| Net loans and leases to total assets | 67.7313% | 3,049 |
| Net loans and leases to deposits | 84.3689% | 2,395 |
| Net loans and leases to core deposits | 88.5339% | 2,975 |
| Total domestic deposits to total assets | 80.2800% | 5,760 |
| Equity capital to assets | 11.5343% | 2,234 |
| Core capital (leverage) ratio | 9.9691% | 3,129 |
| Tier 1 risk-based capital ratio | 13.2893% | 4,383 |
| Total risk-based capital ratio | 14.5679% | 4,322 |
| Memoranda: | ||
| Average total assets | $139,860,400 | 4,056 |
| Average earning assets | $116,594,200 | 4,301 |
| Average equity | $20,186,600 | 3,122 |
| Average total loans | $107,895,200 | 3,595 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3081% | 3,313 |
| Cost of funding earning assets | 2.0745% | 588 |
| Net interest margin | 3.2336% | 6,237 |
| Noninterest income to average assets | 0.7646% | 2,421 |
| Noninterest expense to average assets | 4.4265% | 646 |
| Loan and lease loss provision to assets | 2.7293% | 358 |
| Net operating income to assets | -2.5823% | 7,369 |
| Return on assets (ROA) | -2.5823% | 7,390 |
| Pretax return on assets | -3.6704% | 7,523 |
| Return on Equity (ROE) | -17.0555% | 7,160 |
| Retained earnings to average equity (ytd only) | -17.0555% | 7,137 |
| Net charge-offs to loans | 2.9751% | 523 |
| Credit loss provision to net charge-offs | 116.4306% | 3,578 |
| Earnings coverage of net charge-offs (x) | -0.4015% | 6,290 |
| Efficiency ratio | 127.0005% | 323 |
| Assets per employee ($millions) | 2.9197% | 6,329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2808% | 5,062 |
| Loan loss allowance to noncurrent loans | 24.8993% | 6,659 |
| Noncurrent assets plus other real estate owned to assets | 9.6228% | 436 |
| Noncurrent loans to loans | 5.1440% | 1,332 |
| Net loans and leases to total assets | 72.9038% | 2,032 |
| Net loans and leases to deposits | 94.2957% | 1,168 |
| Net loans and leases to core deposits | 99.6087% | 1,885 |
| Total domestic deposits to total assets | 77.3141% | 6,416 |
| Equity capital to assets | 14.3938% | 1,051 |
| Core capital (leverage) ratio | 14.4171% | 830 |
| Tier 1 risk-based capital ratio | 18.7377% | 1,810 |
| Total risk-based capital ratio | 19.9670% | 1,791 |
| Memoranda: | ||
| Average total assets | $140,543,000 | 4,099 |
| Average earning assets | $118,256,500 | 4,327 |
| Average equity | $21,279,000 | 3,011 |
| Average total loans | $110,739,500 | 3,589 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2977% | 3,483 |
| Cost of funding earning assets | 2.0622% | 748 |
| Net interest margin | 3.2356% | 6,206 |
| Noninterest income to average assets | 0.7384% | 2,462 |
| Noninterest expense to average assets | 4.0622% | 971 |
| Loan and lease loss provision to assets | 3.3251% | 278 |
| Net operating income to assets | -2.8041% | 7,479 |
| Return on assets (ROA) | -2.8041% | 7,491 |
| Pretax return on assets | -3.8885% | 7,589 |
| Return on Equity (ROE) | -18.2302% | 7,232 |
| Retained earnings to average equity (ytd only) | -18.2302% | 7,205 |
| Net charge-offs to loans | 4.0870% | 310 |
| Credit loss provision to net charge-offs | 101.2033% | 4,029 |
| Earnings coverage of net charge-offs (x) | -0.1715% | 5,857 |
| Efficiency ratio | 116.1017% | 460 |
| Assets per employee ($millions) | 3.0206% | 6,106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8715% | 6,849 |
| Loan loss allowance to noncurrent loans | 12.5443% | 7,206 |
| Noncurrent assets plus other real estate owned to assets | 7.9404% | 622 |
| Noncurrent loans to loans | 6.9477% | 821 |
| Net loans and leases to total assets | 75.3087% | 1,628 |
| Net loans and leases to deposits | 99.4507% | 770 |
| Net loans and leases to core deposits | 110.0744% | 1,157 |
| Total domestic deposits to total assets | 75.7247% | 6,746 |
| Equity capital to assets | 14.7480% | 935 |
| Core capital (leverage) ratio | 14.7673% | 771 |
| Tier 1 risk-based capital ratio | 19.1617% | 1,681 |
| Total risk-based capital ratio | 20.0209% | 1,747 |
| Memoranda: | ||
| Average total assets | $141,648,670 | 4,107 |
| Average earning assets | $120,844,000 | 4,292 |
| Average equity | $21,788,000 | 2,939 |
| Average total loans | $113,872,330 | 3,540 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4653% | 2,755 |
| Cost of funding earning assets | 2.0652% | 902 |
| Net interest margin | 3.4001% | 5,581 |
| Noninterest income to average assets | 0.7021% | 2,586 |
| Noninterest expense to average assets | 4.1063% | 896 |
| Loan and lease loss provision to assets | 0.0252% | 6,412 |
| Net operating income to assets | -0.3497% | 6,711 |
| Return on assets (ROA) | -0.3497% | 6,759 |
| Pretax return on assets | -0.4867% | 6,769 |
| Return on Equity (ROE) | -2.2286% | 6,662 |
| Retained earnings to average equity (ytd only) | -2.2286% | 6,245 |
| Net charge-offs to loans | -0.0102% | 6,895 |
| Credit loss provision to net charge-offs | -300.0000% | 6,180 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 112.6631% | 546 |
| Assets per employee ($millions) | 3.2543% | 5,643 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7803% | 7,174 |
| Loan loss allowance to noncurrent loans | 9.9967% | 7,336 |
| Noncurrent assets plus other real estate owned to assets | 6.8735% | 793 |
| Noncurrent loans to loans | 7.8059% | 709 |
| Net loans and leases to total assets | 80.1862% | 818 |
| Net loans and leases to deposits | 110.3776% | 281 |
| Net loans and leases to core deposits | 116.8526% | 913 |
| Total domestic deposits to total assets | 72.6471% | 7,199 |
| Equity capital to assets | 15.6228% | 738 |
| Core capital (leverage) ratio | 15.6351% | 639 |
| Tier 1 risk-based capital ratio | 19.7796% | 1,566 |
| Total risk-based capital ratio | 20.5776% | 1,621 |
| Memoranda: | ||
| Average total assets | $142,999,000 | 4,139 |
| Average earning assets | $123,762,500 | 4,289 |
| Average equity | $22,436,000 | 2,885 |
| Average total loans | $118,028,500 | 3,495 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0281% | 1,755 |
| Cost of funding earning assets | 2.3398% | 1,493 |
| Net interest margin | 3.6883% | 4,189 |
| Noninterest income to average assets | 0.4621% | 4,702 |
| Noninterest expense to average assets | 4.2814% | 1,009 |
| Loan and lease loss provision to assets | 0.3282% | 4,846 |
| Net operating income to assets | -0.7238% | 6,385 |
| Return on assets (ROA) | -0.6864% | 6,347 |
| Pretax return on assets | -0.9157% | 6,354 |
| Return on Equity (ROE) | -4.1705% | 6,129 |
| Retained earnings to average equity (ytd only) | -4.1705% | 5,897 |
| Net charge-offs to loans | 0.1547% | 5,719 |
| Credit loss provision to net charge-offs | 253.2967% | 1,393 |
| Earnings coverage of net charge-offs (x) | -4.9176% | 7,106 |
| Efficiency ratio | 117.4873% | 649 |
| Assets per employee ($millions) | 2.7463% | 6,761 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7404% | 7,286 |
| Loan loss allowance to noncurrent loans | 9.7091% | 7,370 |
| Noncurrent assets plus other real estate owned to assets | 6.9589% | 724 |
| Noncurrent loans to loans | 7.6261% | 679 |
| Net loans and leases to total assets | 83.6398% | 474 |
| Net loans and leases to deposits | 119.8271% | 177 |
| Net loans and leases to core deposits | 155.2315% | 408 |
| Total domestic deposits to total assets | 69.8004% | 7,442 |
| Equity capital to assets | 15.7566% | 733 |
| Core capital (leverage) ratio | 15.7646% | 651 |
| Tier 1 risk-based capital ratio | 19.4403% | 1,567 |
| Total risk-based capital ratio | 20.2099% | 1,629 |
| Memoranda: | ||
| Average total assets | $140,445,000 | 4,117 |
| Average earning assets | $121,165,800 | 4,287 |
| Average equity | $23,114,600 | 2,817 |
| Average total loans | $117,646,400 | 3,533 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1190% | 1,581 |
| Cost of funding earning assets | 2.3762% | 1,718 |
| Net interest margin | 3.7428% | 3,896 |
| Noninterest income to average assets | 0.4500% | 4,896 |
| Noninterest expense to average assets | 4.1805% | 1,055 |
| Loan and lease loss provision to assets | 0.0629% | 6,731 |
| Net operating income to assets | -0.4547% | 6,377 |
| Return on assets (ROA) | -0.4014% | 6,321 |
| Pretax return on assets | -0.4996% | 6,297 |
| Return on Equity (ROE) | -2.4124% | 6,153 |
| Retained earnings to average equity (ytd only) | -2.4124% | 5,805 |
| Net charge-offs to loans | 0.2074% | 4,744 |
| Credit loss provision to net charge-offs | 36.2637% | 6,461 |
| Earnings coverage of net charge-offs (x) | -2.9011% | 6,800 |
| Efficiency ratio | 113.6894% | 699 |
| Assets per employee ($millions) | 2.7340% | 6,772 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4174% | 7,808 |
| Loan loss allowance to noncurrent loans | 6.7262% | 7,495 |
| Noncurrent assets plus other real estate owned to assets | 5.8283% | 945 |
| Noncurrent loans to loans | 6.2057% | 944 |
| Net loans and leases to total assets | 83.4014% | 621 |
| Net loans and leases to deposits | 122.1601% | 169 |
| Net loans and leases to core deposits | 146.4816% | 670 |
| Total domestic deposits to total assets | 68.2723% | 7,550 |
| Equity capital to assets | 16.2272% | 755 |
| Core capital (leverage) ratio | 16.2194% | 642 |
| Tier 1 risk-based capital ratio | 20.3733% | 1,486 |
| Total risk-based capital ratio | 20.8126% | 1,595 |
| Memoranda: | ||
| Average total assets | $139,853,750 | 4,141 |
| Average earning assets | $120,583,500 | 4,335 |
| Average equity | $23,267,750 | 2,830 |
| Average total loans | $116,973,750 | 3,569 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1254% | 1,710 |
| Cost of funding earning assets | 2.3968% | 1,977 |
| Net interest margin | 3.7287% | 3,840 |
| Noninterest income to average assets | 0.4213% | 5,110 |
| Noninterest expense to average assets | 4.2924% | 955 |
| Loan and lease loss provision to assets | 0.0475% | 6,760 |
| Net operating income to assets | -0.5111% | 6,558 |
| Return on assets (ROA) | -0.4386% | 6,495 |
| Pretax return on assets | -0.6054% | 6,527 |
| Return on Equity (ROE) | -2.6142% | 6,313 |
| Retained earnings to average equity (ytd only) | -2.6142% | 5,892 |
| Net charge-offs to loans | 0.1668% | 4,556 |
| Credit loss provision to net charge-offs | 34.0206% | 5,976 |
| Earnings coverage of net charge-offs (x) | -4.7216% | 6,453 |
| Efficiency ratio | 118.1243% | 703 |
| Assets per employee ($millions) | 2.6566% | 6,939 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4685% | 7,823 |
| Loan loss allowance to noncurrent loans | 8.9689% | 7,510 |
| Noncurrent assets plus other real estate owned to assets | 4.8494% | 1,124 |
| Noncurrent loans to loans | 5.2235% | 1,142 |
| Net loans and leases to total assets | 82.6863% | 830 |
| Net loans and leases to deposits | 125.0056% | 164 |
| Net loans and leases to core deposits | 150.6171% | 638 |
| Total domestic deposits to total assets | 66.1461% | 7,730 |
| Equity capital to assets | 16.4572% | 760 |
| Core capital (leverage) ratio | 16.4541% | 685 |
| Tier 1 risk-based capital ratio | 21.0744% | 1,380 |
| Total risk-based capital ratio | 21.5731% | 1,472 |
| Memoranda: | ||
| Average total assets | $139,082,000 | 4,189 |
| Average earning assets | $119,828,000 | 4,370 |
| Average equity | $23,333,670 | 2,833 |
| Average total loans | $116,275,670 | 3,619 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2783% | 1,367 |
| Cost of funding earning assets | 2.3908% | 2,332 |
| Net interest margin | 3.8875% | 3,087 |
| Noninterest income to average assets | 0.3328% | 5,785 |
| Noninterest expense to average assets | 4.3958% | 791 |
| Loan and lease loss provision to assets | 0.0637% | 6,156 |
| Net operating income to assets | -0.5070% | 6,885 |
| Return on assets (ROA) | -0.3733% | 6,833 |
| Pretax return on assets | -0.5643% | 6,871 |
| Return on Equity (ROE) | -2.2038% | 6,685 |
| Retained earnings to average equity (ytd only) | -2.2038% | 6,141 |
| Net charge-offs to loans | 0.1104% | 4,084 |
| Credit loss provision to net charge-offs | 68.7500% | 4,377 |
| Earnings coverage of net charge-offs (x) | -7.5938% | 5,602 |
| Efficiency ratio | 119.0439% | 651 |
| Assets per employee ($millions) | 2.8330% | 6,568 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5177% | 7,798 |
| Loan loss allowance to noncurrent loans | 24.9380% | 6,908 |
| Noncurrent assets plus other real estate owned to assets | 2.6092% | 2,197 |
| Noncurrent loans to loans | 2.0758% | 3,158 |
| Net loans and leases to total assets | 83.4776% | 775 |
| Net loans and leases to deposits | 128.4096% | 157 |
| Net loans and leases to core deposits | 155.0302% | 580 |
| Total domestic deposits to total assets | 65.0089% | 7,790 |
| Equity capital to assets | 16.8191% | 746 |
| Core capital (leverage) ratio | 16.8189% | 674 |
| Tier 1 risk-based capital ratio | 21.9135% | 1,310 |
| Total risk-based capital ratio | 22.4796% | 1,380 |
| Memoranda: | ||
| Average total assets | $138,222,000 | 4,228 |
| Average earning assets | $119,459,500 | 4,400 |
| Average equity | $23,414,500 | 2,828 |
| Average total loans | $115,927,500 | 3,657 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4355% | 3,250 |
| Cost of funding earning assets | 2.7932% | 2,737 |
| Net interest margin | 3.6423% | 4,714 |
| Noninterest income to average assets | 0.4811% | 4,788 |
| Noninterest expense to average assets | 4.3231% | 1,017 |
| Loan and lease loss provision to assets | 0.2125% | 4,768 |
| Net operating income to assets | -0.7386% | 7,092 |
| Return on assets (ROA) | -0.5866% | 6,881 |
| Pretax return on assets | -0.6921% | 6,806 |
| Return on Equity (ROE) | -3.2429% | 6,650 |
| Retained earnings to average equity (ytd only) | -3.2429% | 6,161 |
| Net charge-offs to loans | 0.0617% | 5,899 |
| Credit loss provision to net charge-offs | 405.7143% | 1,083 |
| Earnings coverage of net charge-offs (x) | -12.5714% | 6,911 |
| Efficiency ratio | 111.8212% | 675 |
| Assets per employee ($millions) | 2.5967% | 7,011 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5313% | 7,800 |
| Loan loss allowance to noncurrent loans | 19.8768% | 7,247 |
| Noncurrent assets plus other real estate owned to assets | 3.0358% | 1,515 |
| Noncurrent loans to loans | 2.6731% | 2,029 |
| Net loans and leases to total assets | 83.3832% | 978 |
| Net loans and leases to deposits | 139.1601% | 112 |
| Net loans and leases to core deposits | 163.1369% | 517 |
| Total domestic deposits to total assets | 59.9189% | 7,971 |
| Equity capital to assets | 17.0615% | 770 |
| Core capital (leverage) ratio | 17.0590% | 692 |
| Tier 1 risk-based capital ratio | 22.2560% | 1,284 |
| Total risk-based capital ratio | 22.8373% | 1,338 |
| Memoranda: | ||
| Average total assets | $133,653,000 | 4,208 |
| Average earning assets | $116,821,400 | 4,345 |
| Average equity | $24,175,800 | 2,715 |
| Average total loans | $113,464,600 | 3,598 |