Home > First Federal Savings Bank of Elizabethtown > Performance and Condition Ratios
First Federal Savings Bank of Elizabethtown, Performance and Condition Ratios
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6624% | 4,903 |
| Cost of funding earning assets | 0.6837% | 1,191 |
| Net interest margin | 2.9787% | 5,489 |
| Noninterest income to average assets | 0.8487% | 1,685 |
| Noninterest expense to average assets | 4.2869% | 550 |
| Loan and lease loss provision to assets | -0.2870% | 6,361 |
| Net operating income to assets | -0.0793% | 6,143 |
| Return on assets (ROA) | -0.0801% | 6,150 |
| Pretax return on assets | -0.4492% | 6,271 |
| Return on Equity (ROE) | -1.0420% | 6,169 |
| Retained earnings to average equity (ytd only) | -1.0420% | 5,925 |
| Net charge-offs to loans | -0.0917% | 6,092 |
| Credit loss provision to net charge-offs | 559.8063% | 474 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 120.6913% | 125 |
| Assets per employee ($millions) | 3.3555% | 5,149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7851% | 1,567 |
| Loan loss allowance to noncurrent loans | 36.2465% | 5,482 |
| Noncurrent assets plus other real estate owned to assets | 3.3056% | 578 |
| Noncurrent loans to loans | 4.9250% | 305 |
| Net loans and leases to total assets | 54.4923% | 4,514 |
| Net loans and leases to deposits | 60.5235% | 4,859 |
| Net loans and leases to core deposits | 63.2147% | 4,898 |
| Total domestic deposits to total assets | 90.0349% | 718 |
| Equity capital to assets | 8.0935% | 6,012 |
| Core capital (leverage) ratio | 8.8245% | 5,221 |
| Tier 1 risk-based capital ratio | 14.6666% | 3,686 |
| Total risk-based capital ratio | 15.9214% | 3,608 |
| Memoranda: | ||
| Average total assets | $805,492,400 | 840 |
| Average earning assets | $731,015,600 | 842 |
| Average equity | $61,901,800 | 1,181 |
| Average total loans | $450,189,200 | 980 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7422% | 4,734 |
| Cost of funding earning assets | 0.6994% | 1,156 |
| Net interest margin | 3.0428% | 5,395 |
| Noninterest income to average assets | 0.8271% | 1,789 |
| Noninterest expense to average assets | 3.9572% | 792 |
| Loan and lease loss provision to assets | -0.2584% | 6,432 |
| Net operating income to assets | 0.1820% | 5,879 |
| Return on assets (ROA) | 0.1797% | 5,928 |
| Pretax return on assets | -0.1199% | 6,213 |
| Return on Equity (ROE) | 2.3686% | 5,744 |
| Retained earnings to average equity (ytd only) | 2.3686% | 4,870 |
| Net charge-offs to loans | -0.0639% | 6,007 |
| Credit loss provision to net charge-offs | 722.9358% | 423 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.4591% | 214 |
| Assets per employee ($millions) | 3.1937% | 5,444 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8804% | 1,503 |
| Loan loss allowance to noncurrent loans | 50.2139% | 5,134 |
| Noncurrent assets plus other real estate owned to assets | 3.6245% | 581 |
| Noncurrent loans to loans | 3.7448% | 606 |
| Net loans and leases to total assets | 56.8930% | 4,213 |
| Net loans and leases to deposits | 63.6416% | 4,580 |
| Net loans and leases to core deposits | 66.8937% | 4,616 |
| Total domestic deposits to total assets | 89.3960% | 1,028 |
| Equity capital to assets | 8.4352% | 5,845 |
| Core capital (leverage) ratio | 9.0254% | 5,041 |
| Tier 1 risk-based capital ratio | 14.5441% | 3,860 |
| Total risk-based capital ratio | 15.7882% | 3,806 |
| Memoranda: | ||
| Average total assets | $813,086,750 | 833 |
| Average earning assets | $736,270,750 | 838 |
| Average equity | $61,693,750 | 1,192 |
| Average total loans | $455,222,750 | 974 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7821% | 4,589 |
| Cost of funding earning assets | 0.7131% | 1,123 |
| Net interest margin | 3.0691% | 5,349 |
| Noninterest income to average assets | 0.7843% | 1,904 |
| Noninterest expense to average assets | 3.9598% | 794 |
| Loan and lease loss provision to assets | 0.0240% | 3,797 |
| Net operating income to assets | 0.0645% | 6,107 |
| Return on assets (ROA) | 0.0591% | 6,137 |
| Pretax return on assets | -0.4277% | 6,401 |
| Return on Equity (ROE) | 0.8057% | 6,088 |
| Retained earnings to average equity (ytd only) | 0.8057% | 5,424 |
| Net charge-offs to loans | 0.0598% | 3,120 |
| Credit loss provision to net charge-offs | 72.4638% | 2,425 |
| Earnings coverage of net charge-offs (x) | -11.9275% | 4,320 |
| Efficiency ratio | 111.0887% | 214 |
| Assets per employee ($millions) | 2.9863% | 5,768 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0885% | 1,197 |
| Loan loss allowance to noncurrent loans | 73.5673% | 4,388 |
| Noncurrent assets plus other real estate owned to assets | 3.1936% | 777 |
| Noncurrent loans to loans | 2.8390% | 1,057 |
| Net loans and leases to total assets | 55.6632% | 4,330 |
| Net loans and leases to deposits | 61.7845% | 4,716 |
| Net loans and leases to core deposits | 65.3351% | 4,701 |
| Total domestic deposits to total assets | 90.0925% | 762 |
| Equity capital to assets | 7.8624% | 6,231 |
| Core capital (leverage) ratio | 8.4648% | 5,666 |
| Tier 1 risk-based capital ratio | 13.6718% | 4,475 |
| Total risk-based capital ratio | 14.9294% | 4,419 |
| Memoranda: | ||
| Average total assets | $832,875,000 | 815 |
| Average earning assets | $754,500,000 | 816 |
| Average equity | $61,065,670 | 1,197 |
| Average total loans | $461,286,000 | 961 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7813% | 4,566 |
| Cost of funding earning assets | 0.7326% | 1,058 |
| Net interest margin | 3.0486% | 5,390 |
| Noninterest income to average assets | 0.8636% | 1,507 |
| Noninterest expense to average assets | 3.4599% | 1,570 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.1699% | 5,881 |
| Return on assets (ROA) | 0.1402% | 5,983 |
| Pretax return on assets | 0.1406% | 6,023 |
| Return on Equity (ROE) | 1.9794% | 5,791 |
| Retained earnings to average equity (ytd only) | 1.9794% | 4,809 |
| Net charge-offs to loans | -0.0276% | 5,511 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.3074% | 682 |
| Assets per employee ($millions) | 3.1224% | 5,649 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0894% | 1,346 |
| Loan loss allowance to noncurrent loans | 107.3040% | 3,443 |
| Noncurrent assets plus other real estate owned to assets | 2.7079% | 1,125 |
| Noncurrent loans to loans | 1.9472% | 1,934 |
| Net loans and leases to total assets | 53.8046% | 4,447 |
| Net loans and leases to deposits | 59.2902% | 4,823 |
| Net loans and leases to core deposits | 62.7010% | 4,812 |
| Total domestic deposits to total assets | 90.7478% | 670 |
| Equity capital to assets | 7.3553% | 6,359 |
| Core capital (leverage) ratio | 8.1461% | 5,996 |
| Tier 1 risk-based capital ratio | 12.9064% | 5,056 |
| Total risk-based capital ratio | 14.1630% | 4,992 |
| Memoranda: | ||
| Average total assets | $847,661,500 | 805 |
| Average earning assets | $769,268,000 | 805 |
| Average equity | $60,019,000 | 1,213 |
| Average total loans | $463,588,000 | 959 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9447% | 4,304 |
| Cost of funding earning assets | 0.9049% | 718 |
| Net interest margin | 3.0398% | 5,484 |
| Noninterest income to average assets | 0.8136% | 2,011 |
| Noninterest expense to average assets | 3.6475% | 1,379 |
| Loan and lease loss provision to assets | -0.3399% | 6,698 |
| Net operating income to assets | 0.2671% | 5,631 |
| Return on assets (ROA) | 0.2920% | 5,647 |
| Pretax return on assets | 0.2923% | 5,757 |
| Return on Equity (ROE) | 4.2557% | 4,991 |
| Retained earnings to average equity (ytd only) | 4.2557% | 3,148 |
| Net charge-offs to loans | 0.9298% | 651 |
| Credit loss provision to net charge-offs | -67.0578% | 5,827 |
| Earnings coverage of net charge-offs (x) | -0.1430% | 5,131 |
| Efficiency ratio | 102.0271% | 424 |
| Assets per employee ($millions) | 3.0994% | 5,673 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0491% | 1,443 |
| Loan loss allowance to noncurrent loans | 54.9966% | 5,050 |
| Noncurrent assets plus other real estate owned to assets | 3.5570% | 811 |
| Noncurrent loans to loans | 3.7258% | 806 |
| Net loans and leases to total assets | 53.3190% | 4,677 |
| Net loans and leases to deposits | 58.4146% | 5,085 |
| Net loans and leases to core deposits | 61.9881% | 5,057 |
| Total domestic deposits to total assets | 91.2768% | 476 |
| Equity capital to assets | 6.8127% | 6,506 |
| Core capital (leverage) ratio | 7.9592% | 6,168 |
| Tier 1 risk-based capital ratio | 12.2288% | 5,472 |
| Total risk-based capital ratio | 13.4843% | 5,398 |
| Memoranda: | ||
| Average total assets | $907,966,800 | 729 |
| Average earning assets | $824,830,600 | 725 |
| Average equity | $62,293,200 | 1,157 |
| Average total loans | $494,951,000 | 862 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9707% | 4,236 |
| Cost of funding earning assets | 0.9357% | 685 |
| Net interest margin | 3.0350% | 5,507 |
| Noninterest income to average assets | 0.9211% | 1,689 |
| Noninterest expense to average assets | 3.6309% | 1,349 |
| Loan and lease loss provision to assets | -0.1920% | 6,715 |
| Net operating income to assets | 0.2392% | 5,807 |
| Return on assets (ROA) | 0.2738% | 5,800 |
| Pretax return on assets | 0.2741% | 5,928 |
| Return on Equity (ROE) | 3.9845% | 5,227 |
| Retained earnings to average equity (ytd only) | 3.9845% | 3,859 |
| Net charge-offs to loans | 0.9870% | 582 |
| Credit loss provision to net charge-offs | -35.6662% | 5,682 |
| Earnings coverage of net charge-offs (x) | 0.0883% | 4,830 |
| Efficiency ratio | 98.7082% | 508 |
| Assets per employee ($millions) | 3.1367% | 5,610 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5621% | 874 |
| Loan loss allowance to noncurrent loans | 56.8188% | 4,948 |
| Noncurrent assets plus other real estate owned to assets | 3.5731% | 933 |
| Noncurrent loans to loans | 4.5093% | 713 |
| Net loans and leases to total assets | 54.6887% | 4,503 |
| Net loans and leases to deposits | 62.2260% | 4,728 |
| Net loans and leases to core deposits | 67.2346% | 4,596 |
| Total domestic deposits to total assets | 87.8872% | 2,197 |
| Equity capital to assets | 7.0024% | 6,552 |
| Core capital (leverage) ratio | 7.7976% | 6,328 |
| Tier 1 risk-based capital ratio | 11.8296% | 5,886 |
| Total risk-based capital ratio | 13.0920% | 5,832 |
| Memoranda: | ||
| Average total assets | $920,327,500 | 719 |
| Average earning assets | $836,139,000 | 720 |
| Average equity | $63,244,250 | 1,151 |
| Average total loans | $501,855,750 | 844 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9231% | 4,389 |
| Cost of funding earning assets | 0.9740% | 626 |
| Net interest margin | 2.9492% | 5,696 |
| Noninterest income to average assets | 0.6044% | 3,160 |
| Noninterest expense to average assets | 3.5187% | 1,564 |
| Loan and lease loss provision to assets | -0.1748% | 6,770 |
| Net operating income to assets | -0.0612% | 6,367 |
| Return on assets (ROA) | -0.0131% | 6,374 |
| Pretax return on assets | -0.0129% | 6,370 |
| Return on Equity (ROE) | -0.1923% | 6,381 |
| Retained earnings to average equity (ytd only) | -0.1923% | 5,889 |
| Net charge-offs to loans | 0.1929% | 2,601 |
| Credit loss provision to net charge-offs | -167.6829% | 5,699 |
| Earnings coverage of net charge-offs (x) | -2.2622% | 4,779 |
| Efficiency ratio | 107.1848% | 326 |
| Assets per employee ($millions) | 3.1814% | 5,528 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2270% | 476 |
| Loan loss allowance to noncurrent loans | 89.3239% | 3,733 |
| Noncurrent assets plus other real estate owned to assets | 3.6206% | 1,039 |
| Noncurrent loans to loans | 3.6126% | 1,144 |
| Net loans and leases to total assets | 54.0724% | 4,579 |
| Net loans and leases to deposits | 59.8811% | 4,991 |
| Net loans and leases to core deposits | 64.9450% | 4,796 |
| Total domestic deposits to total assets | 90.2996% | 861 |
| Equity capital to assets | 6.6689% | 6,659 |
| Core capital (leverage) ratio | 7.2700% | 6,540 |
| Tier 1 risk-based capital ratio | 11.0914% | 6,296 |
| Total risk-based capital ratio | 12.3590% | 6,263 |
| Memoranda: | ||
| Average total assets | $943,756,330 | 703 |
| Average earning assets | $857,128,000 | 698 |
| Average equity | $64,484,670 | 1,125 |
| Average total loans | $510,107,670 | 832 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8791% | 4,556 |
| Cost of funding earning assets | 1.0262% | 529 |
| Net interest margin | 2.8529% | 5,906 |
| Noninterest income to average assets | 0.4906% | 3,837 |
| Noninterest expense to average assets | 3.3704% | 1,896 |
| Loan and lease loss provision to assets | -0.4261% | 6,943 |
| Net operating income to assets | 0.1368% | 6,076 |
| Return on assets (ROA) | 0.2301% | 5,916 |
| Pretax return on assets | 0.2305% | 6,019 |
| Return on Equity (ROE) | 3.3315% | 5,422 |
| Retained earnings to average equity (ytd only) | 3.3315% | 4,255 |
| Net charge-offs to loans | 0.3204% | 1,682 |
| Credit loss provision to net charge-offs | -249.8795% | 5,306 |
| Earnings coverage of net charge-offs (x) | -1.6940% | 4,006 |
| Efficiency ratio | 109.3746% | 335 |
| Assets per employee ($millions) | 3.3929% | 5,223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1162% | 589 |
| Loan loss allowance to noncurrent loans | 76.5900% | 4,069 |
| Noncurrent assets plus other real estate owned to assets | 4.2933% | 881 |
| Noncurrent loans to loans | 4.0686% | 1,102 |
| Net loans and leases to total assets | 52.3072% | 4,662 |
| Net loans and leases to deposits | 57.4635% | 5,095 |
| Net loans and leases to core deposits | 62.8194% | 4,871 |
| Total domestic deposits to total assets | 91.0269% | 518 |
| Equity capital to assets | 7.1231% | 6,686 |
| Core capital (leverage) ratio | 6.8399% | 6,685 |
| Tier 1 risk-based capital ratio | 11.0651% | 6,378 |
| Total risk-based capital ratio | 12.3336% | 6,341 |
| Memoranda: | ||
| Average total assets | $973,418,500 | 682 |
| Average earning assets | $884,009,500 | 687 |
| Average equity | $67,236,000 | 1,084 |
| Average total loans | $518,071,000 | 815 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0657% | 5,079 |
| Cost of funding earning assets | 1.3521% | 303 |
| Net interest margin | 2.7136% | 6,504 |
| Noninterest income to average assets | 0.7617% | 2,438 |
| Noninterest expense to average assets | 3.4031% | 2,037 |
| Loan and lease loss provision to assets | 0.6012% | 918 |
| Net operating income to assets | -0.7708% | 6,669 |
| Return on assets (ROA) | -0.5738% | 6,637 |
| Pretax return on assets | -0.5754% | 6,608 |
| Return on Equity (ROE) | -9.1023% | 6,705 |
| Retained earnings to average equity (ytd only) | -9.1023% | 6,609 |
| Net charge-offs to loans | 1.0978% | 961 |
| Credit loss provision to net charge-offs | 97.1416% | 3,192 |
| Earnings coverage of net charge-offs (x) | -0.2765% | 5,607 |
| Efficiency ratio | 104.9510% | 428 |
| Assets per employee ($millions) | 3.6618% | 4,647 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2652% | 523 |
| Loan loss allowance to noncurrent loans | 80.4661% | 3,894 |
| Noncurrent assets plus other real estate owned to assets | 4.3437% | 962 |
| Noncurrent loans to loans | 4.0579% | 1,149 |
| Net loans and leases to total assets | 50.7908% | 5,065 |
| Net loans and leases to deposits | 55.4154% | 5,498 |
| Net loans and leases to core deposits | 61.1921% | 5,251 |
| Total domestic deposits to total assets | 91.6545% | 307 |
| Equity capital to assets | 6.7057% | 6,816 |
| Core capital (leverage) ratio | 6.5264% | 6,790 |
| Tier 1 risk-based capital ratio | 10.9426% | 6,370 |
| Total risk-based capital ratio | 12.2140% | 6,325 |
| Memoranda: | ||
| Average total assets | $1,130,534,800 | 580 |
| Average earning assets | $1,029,153,800 | 572 |
| Average equity | $71,267,600 | 990 |
| Average total loans | $637,383,200 | 651 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1026% | 5,178 |
| Cost of funding earning assets | 1.4027% | 291 |
| Net interest margin | 2.6999% | 6,645 |
| Noninterest income to average assets | 0.7594% | 2,429 |
| Noninterest expense to average assets | 3.4692% | 1,833 |
| Loan and lease loss provision to assets | 0.4954% | 1,240 |
| Net operating income to assets | -0.7314% | 6,790 |
| Return on assets (ROA) | -0.4293% | 6,703 |
| Pretax return on assets | -0.4389% | 6,677 |
| Return on Equity (ROE) | -6.9063% | 6,783 |
| Retained earnings to average equity (ytd only) | -6.9063% | 6,712 |
| Net charge-offs to loans | 0.6996% | 1,576 |
| Credit loss provision to net charge-offs | 123.7453% | 2,336 |
| Earnings coverage of net charge-offs (x) | -0.6289% | 5,523 |
| Efficiency ratio | 107.3750% | 352 |
| Assets per employee ($millions) | 3.6171% | 4,724 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1755% | 614 |
| Loan loss allowance to noncurrent loans | 57.6762% | 4,766 |
| Noncurrent assets plus other real estate owned to assets | 5.9180% | 682 |
| Noncurrent loans to loans | 5.5057% | 781 |
| Net loans and leases to total assets | 54.6803% | 4,641 |
| Net loans and leases to deposits | 59.8718% | 5,228 |
| Net loans and leases to core deposits | 67.5248% | 4,774 |
| Total domestic deposits to total assets | 91.3291% | 325 |
| Equity capital to assets | 6.9134% | 6,892 |
| Core capital (leverage) ratio | 6.4964% | 6,886 |
| Tier 1 risk-based capital ratio | 10.6077% | 6,629 |
| Total risk-based capital ratio | 11.8784% | 6,612 |
| Memoranda: | ||
| Average total assets | $1,161,421,000 | 571 |
| Average earning assets | $1,057,380,250 | 561 |
| Average equity | $72,203,000 | 983 |
| Average total loans | $664,548,500 | 627 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1164% | 5,260 |
| Cost of funding earning assets | 1.4440% | 294 |
| Net interest margin | 2.6724% | 6,739 |
| Noninterest income to average assets | 0.3606% | 4,955 |
| Noninterest expense to average assets | 3.2285% | 2,497 |
| Loan and lease loss provision to assets | 0.3189% | 2,075 |
| Net operating income to assets | -0.7500% | 6,839 |
| Return on assets (ROA) | -0.5876% | 6,802 |
| Pretax return on assets | -0.5875% | 6,768 |
| Return on Equity (ROE) | -9.7602% | 6,903 |
| Retained earnings to average equity (ytd only) | -9.7602% | 6,830 |
| Net charge-offs to loans | 0.9045% | 1,219 |
| Credit loss provision to net charge-offs | 61.3890% | 3,765 |
| Earnings coverage of net charge-offs (x) | -0.8296% | 5,286 |
| Efficiency ratio | 114.6584% | 271 |
| Assets per employee ($millions) | 3.8940% | 4,091 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5367% | 1,235 |
| Loan loss allowance to noncurrent loans | 44.4107% | 5,422 |
| Noncurrent assets plus other real estate owned to assets | 6.1369% | 687 |
| Noncurrent loans to loans | 5.7119% | 793 |
| Net loans and leases to total assets | 52.4063% | 5,047 |
| Net loans and leases to deposits | 57.3061% | 5,524 |
| Net loans and leases to core deposits | 64.1060% | 5,202 |
| Total domestic deposits to total assets | 91.4499% | 320 |
| Equity capital to assets | 5.8977% | 7,036 |
| Core capital (leverage) ratio | 5.7257% | 7,010 |
| Tier 1 risk-based capital ratio | 9.4159% | 6,937 |
| Total risk-based capital ratio | 10.6793% | 6,931 |
| Memoranda: | ||
| Average total assets | $1,208,558,000 | 548 |
| Average earning assets | $1,102,070,330 | 543 |
| Average equity | $72,765,000 | 966 |
| Average total loans | $694,052,330 | 595 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2826% | 4,803 |
| Cost of funding earning assets | 1.5202% | 261 |
| Net interest margin | 2.7625% | 6,690 |
| Noninterest income to average assets | 0.3885% | 4,754 |
| Noninterest expense to average assets | 2.7529% | 4,228 |
| Loan and lease loss provision to assets | 0.3326% | 1,881 |
| Net operating income to assets | -0.1693% | 6,601 |
| Return on assets (ROA) | 0.0539% | 6,440 |
| Pretax return on assets | 0.0542% | 6,448 |
| Return on Equity (ROE) | 0.8864% | 6,373 |
| Retained earnings to average equity (ytd only) | 0.8864% | 5,710 |
| Net charge-offs to loans | 0.4873% | 1,871 |
| Credit loss provision to net charge-offs | 115.2620% | 2,054 |
| Earnings coverage of net charge-offs (x) | 0.5592% | 4,055 |
| Efficiency ratio | 93.7521% | 834 |
| Assets per employee ($millions) | 3.8759% | 4,247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5363% | 1,304 |
| Loan loss allowance to noncurrent loans | 44.5308% | 5,380 |
| Noncurrent assets plus other real estate owned to assets | 5.7741% | 831 |
| Noncurrent loans to loans | 5.6955% | 917 |
| Net loans and leases to total assets | 56.1050% | 4,364 |
| Net loans and leases to deposits | 61.4874% | 4,986 |
| Net loans and leases to core deposits | 69.1101% | 4,548 |
| Total domestic deposits to total assets | 91.2463% | 457 |
| Equity capital to assets | 6.1445% | 7,060 |
| Core capital (leverage) ratio | 5.9044% | 7,049 |
| Tier 1 risk-based capital ratio | 9.4310% | 6,975 |
| Total risk-based capital ratio | 10.6952% | 6,969 |
| Memoranda: | ||
| Average total assets | $1,217,052,000 | 545 |
| Average earning assets | $1,112,780,000 | 544 |
| Average equity | $74,010,000 | 939 |
| Average total loans | $720,723,000 | 565 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6538% | 4,442 |
| Cost of funding earning assets | 1.6784% | 348 |
| Net interest margin | 2.9754% | 6,565 |
| Noninterest income to average assets | -0.0244% | 7,037 |
| Noninterest expense to average assets | 3.0172% | 3,531 |
| Loan and lease loss provision to assets | 1.6837% | 407 |
| Net operating income to assets | -1.7753% | 6,981 |
| Return on assets (ROA) | -1.7384% | 6,986 |
| Pretax return on assets | -1.9640% | 7,014 |
| Return on Equity (ROE) | -26.7128% | 7,067 |
| Retained earnings to average equity (ytd only) | -26.7128% | 7,057 |
| Net charge-offs to loans | 3.2394% | 267 |
| Credit loss provision to net charge-offs | 80.3074% | 4,436 |
| Earnings coverage of net charge-offs (x) | -0.1535% | 5,927 |
| Efficiency ratio | 111.1114% | 413 |
| Assets per employee ($millions) | 3.8638% | 4,173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3362% | 1,564 |
| Loan loss allowance to noncurrent loans | 43.9357% | 5,378 |
| Noncurrent assets plus other real estate owned to assets | 5.6021% | 907 |
| Noncurrent loans to loans | 5.3172% | 1,016 |
| Net loans and leases to total assets | 59.4198% | 4,105 |
| Net loans and leases to deposits | 64.9921% | 4,873 |
| Net loans and leases to core deposits | 73.7736% | 4,275 |
| Total domestic deposits to total assets | 91.4262% | 355 |
| Equity capital to assets | 6.0189% | 7,093 |
| Core capital (leverage) ratio | 5.8572% | 7,069 |
| Tier 1 risk-based capital ratio | 8.9215% | 7,045 |
| Total risk-based capital ratio | 10.1828% | 7,048 |
| Memoranda: | ||
| Average total assets | $1,259,745,000 | 520 |
| Average earning assets | $1,151,558,200 | 515 |
| Average equity | $81,983,200 | 816 |
| Average total loans | $815,296,400 | 508 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6945% | 4,488 |
| Cost of funding earning assets | 1.7119% | 381 |
| Net interest margin | 2.9827% | 6,615 |
| Noninterest income to average assets | -0.1357% | 7,236 |
| Noninterest expense to average assets | 3.0709% | 3,277 |
| Loan and lease loss provision to assets | 2.0098% | 271 |
| Net operating income to assets | -2.1398% | 7,158 |
| Return on assets (ROA) | -2.1293% | 7,165 |
| Pretax return on assets | -2.4778% | 7,204 |
| Return on Equity (ROE) | -32.1330% | 7,209 |
| Retained earnings to average equity (ytd only) | -32.1330% | 7,202 |
| Net charge-offs to loans | 4.1258% | 150 |
| Credit loss provision to net charge-offs | 74.1894% | 4,349 |
| Earnings coverage of net charge-offs (x) | -0.1773% | 5,709 |
| Efficiency ratio | 117.6540% | 332 |
| Assets per employee ($millions) | 3.7291% | 4,460 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0720% | 2,138 |
| Loan loss allowance to noncurrent loans | 31.1283% | 6,193 |
| Noncurrent assets plus other real estate owned to assets | 6.5926% | 774 |
| Noncurrent loans to loans | 6.6562% | 780 |
| Net loans and leases to total assets | 61.8938% | 3,753 |
| Net loans and leases to deposits | 68.2942% | 4,553 |
| Net loans and leases to core deposits | 77.9380% | 3,917 |
| Total domestic deposits to total assets | 90.6282% | 577 |
| Equity capital to assets | 6.2603% | 7,157 |
| Core capital (leverage) ratio | 5.9539% | 7,146 |
| Tier 1 risk-based capital ratio | 8.6848% | 7,144 |
| Total risk-based capital ratio | 9.9438% | 7,146 |
| Memoranda: | ||
| Average total assets | $1,267,507,750 | 522 |
| Average earning assets | $1,158,621,000 | 511 |
| Average equity | $83,990,500 | 802 |
| Average total loans | $832,232,500 | 504 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7412% | 4,343 |
| Cost of funding earning assets | 1.7299% | 420 |
| Net interest margin | 3.0113% | 6,586 |
| Noninterest income to average assets | -0.0484% | 7,255 |
| Noninterest expense to average assets | 2.9968% | 3,655 |
| Loan and lease loss provision to assets | 2.0248% | 300 |
| Net operating income to assets | -2.0705% | 7,202 |
| Return on assets (ROA) | -2.0582% | 7,203 |
| Pretax return on assets | -2.2970% | 7,221 |
| Return on Equity (ROE) | -30.5242% | 7,249 |
| Retained earnings to average equity (ytd only) | -30.5242% | 7,242 |
| Net charge-offs to loans | 4.2113% | 179 |
| Credit loss provision to net charge-offs | 72.3675% | 4,007 |
| Earnings coverage of net charge-offs (x) | -0.1022% | 5,350 |
| Efficiency ratio | 110.5460% | 469 |
| Assets per employee ($millions) | 3.7287% | 4,358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1995% | 1,922 |
| Loan loss allowance to noncurrent loans | 48.0114% | 5,132 |
| Noncurrent assets plus other real estate owned to assets | 5.1015% | 1,196 |
| Noncurrent loans to loans | 4.5813% | 1,438 |
| Net loans and leases to total assets | 63.4159% | 3,596 |
| Net loans and leases to deposits | 69.8431% | 4,462 |
| Net loans and leases to core deposits | 80.4732% | 3,719 |
| Total domestic deposits to total assets | 90.7977% | 590 |
| Equity capital to assets | 6.4918% | 7,186 |
| Core capital (leverage) ratio | 6.3115% | 7,155 |
| Tier 1 risk-based capital ratio | 9.2213% | 7,151 |
| Total risk-based capital ratio | 10.4810% | 7,146 |
| Memoranda: | ||
| Average total assets | $1,282,290,000 | 514 |
| Average earning assets | $1,174,968,330 | 509 |
| Average equity | $86,462,670 | 779 |
| Average total loans | $851,950,330 | 504 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7366% | 4,348 |
| Cost of funding earning assets | 1.7398% | 472 |
| Net interest margin | 2.9967% | 6,580 |
| Noninterest income to average assets | 0.5939% | 3,217 |
| Noninterest expense to average assets | 2.8715% | 4,182 |
| Loan and lease loss provision to assets | 1.0640% | 700 |
| Net operating income to assets | -0.5266% | 6,818 |
| Return on assets (ROA) | -0.5177% | 6,818 |
| Pretax return on assets | -0.5767% | 6,801 |
| Return on Equity (ROE) | -7.5444% | 6,940 |
| Retained earnings to average equity (ytd only) | -7.5444% | 6,716 |
| Net charge-offs to loans | 0.7033% | 1,811 |
| Credit loss provision to net charge-offs | 225.1462% | 1,352 |
| Earnings coverage of net charge-offs (x) | 1.0104% | 3,903 |
| Efficiency ratio | 85.7418% | 1,738 |
| Assets per employee ($millions) | 3.9205% | 4,023 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8514% | 1,061 |
| Loan loss allowance to noncurrent loans | 54.7708% | 4,718 |
| Noncurrent assets plus other real estate owned to assets | 5.4285% | 1,123 |
| Noncurrent loans to loans | 5.2061% | 1,279 |
| Net loans and leases to total assets | 65.1534% | 3,210 |
| Net loans and leases to deposits | 71.7920% | 4,099 |
| Net loans and leases to core deposits | 82.5263% | 3,377 |
| Total domestic deposits to total assets | 90.7531% | 738 |
| Equity capital to assets | 6.9273% | 7,100 |
| Core capital (leverage) ratio | 7.0812% | 6,967 |
| Tier 1 risk-based capital ratio | 10.1562% | 6,944 |
| Total risk-based capital ratio | 11.4250% | 6,942 |
| Memoranda: | ||
| Average total assets | $1,302,601,000 | 515 |
| Average earning assets | $1,197,579,000 | 508 |
| Average equity | $89,390,500 | 751 |
| Average total loans | $875,363,500 | 502 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1535% | 3,830 |
| Cost of funding earning assets | 1.9123% | 807 |
| Net interest margin | 3.2412% | 6,162 |
| Noninterest income to average assets | 0.6550% | 3,119 |
| Noninterest expense to average assets | 2.7081% | 4,955 |
| Loan and lease loss provision to assets | 1.3469% | 1,130 |
| Net operating income to assets | -0.5638% | 6,429 |
| Return on assets (ROA) | -0.6474% | 6,512 |
| Pretax return on assets | -0.4926% | 6,316 |
| Return on Equity (ROE) | -8.1004% | 6,631 |
| Retained earnings to average equity (ytd only) | -8.6864% | 6,574 |
| Net charge-offs to loans | 1.2558% | 1,788 |
| Credit loss provision to net charge-offs | 141.4411% | 2,656 |
| Earnings coverage of net charge-offs (x) | 0.9849% | 5,123 |
| Efficiency ratio | 73.6060% | 3,473 |
| Assets per employee ($millions) | 4.0594% | 3,663 |
| Cash dividends to net income (ytd only)* | -7.2344% | 7,475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5514% | 1,346 |
| Loan loss allowance to noncurrent loans | 53.7480% | 4,804 |
| Noncurrent assets plus other real estate owned to assets | 5.1525% | 1,233 |
| Noncurrent loans to loans | 4.7470% | 1,459 |
| Net loans and leases to total assets | 65.6152% | 3,543 |
| Net loans and leases to deposits | 73.7266% | 4,239 |
| Net loans and leases to core deposits | 85.6952% | 3,363 |
| Total domestic deposits to total assets | 88.9980% | 1,662 |
| Equity capital to assets | 6.7992% | 7,176 |
| Core capital (leverage) ratio | 7.1750% | 6,924 |
| Tier 1 risk-based capital ratio | 10.1163% | 6,924 |
| Total risk-based capital ratio | 11.3811% | 6,895 |
| Memoranda: | ||
| Average total assets | $1,253,314,400 | 538 |
| Average earning assets | $1,156,563,200 | 525 |
| Average equity | $100,168,200 | 671 |
| Average total loans | $950,397,400 | 472 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2512% | 3,570 |
| Cost of funding earning assets | 1.9174% | 974 |
| Net interest margin | 3.3338% | 5,916 |
| Noninterest income to average assets | 0.7618% | 2,440 |
| Noninterest expense to average assets | 2.7492% | 4,688 |
| Loan and lease loss provision to assets | 1.2239% | 1,159 |
| Net operating income to assets | -0.0598% | 6,121 |
| Return on assets (ROA) | -0.1172% | 6,289 |
| Pretax return on assets | -0.2214% | 6,335 |
| Return on Equity (ROE) | -1.4100% | 6,329 |
| Retained earnings to average equity (ytd only) | -2.1715% | 6,228 |
| Net charge-offs to loans | 1.2396% | 1,646 |
| Credit loss provision to net charge-offs | 126.4254% | 3,227 |
| Earnings coverage of net charge-offs (x) | 1.1282% | 4,922 |
| Efficiency ratio | 70.9266% | 3,895 |
| Assets per employee ($millions) | 3.8169% | 4,224 |
| Cash dividends to net income (ytd only)* | -54.0019% | 7,691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1527% | 1,885 |
| Loan loss allowance to noncurrent loans | 34.6080% | 6,019 |
| Noncurrent assets plus other real estate owned to assets | 5.6752% | 1,074 |
| Noncurrent loans to loans | 6.2201% | 979 |
| Net loans and leases to total assets | 73.1664% | 1,981 |
| Net loans and leases to deposits | 83.8368% | 2,732 |
| Net loans and leases to core deposits | 96.0732% | 2,252 |
| Total domestic deposits to total assets | 87.2725% | 2,386 |
| Equity capital to assets | 8.2142% | 6,601 |
| Core capital (leverage) ratio | 7.9801% | 6,376 |
| Tier 1 risk-based capital ratio | 10.6790% | 6,649 |
| Total risk-based capital ratio | 11.9410% | 6,627 |
| Memoranda: | ||
| Average total assets | $1,236,819,750 | 539 |
| Average earning assets | $1,142,481,000 | 527 |
| Average equity | $102,784,750 | 649 |
| Average total loans | $965,916,250 | 462 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2822% | 3,553 |
| Cost of funding earning assets | 1.9229% | 1,142 |
| Net interest margin | 3.3593% | 5,801 |
| Noninterest income to average assets | 0.7250% | 2,550 |
| Noninterest expense to average assets | 2.7297% | 4,790 |
| Loan and lease loss provision to assets | 0.8152% | 1,775 |
| Net operating income to assets | 0.2134% | 5,519 |
| Return on assets (ROA) | 0.1907% | 5,713 |
| Pretax return on assets | 0.2522% | 5,650 |
| Return on Equity (ROE) | 2.2864% | 5,546 |
| Retained earnings to average equity (ytd only) | 1.1451% | 5,299 |
| Net charge-offs to loans | 0.3667% | 3,527 |
| Credit loss provision to net charge-offs | 280.6253% | 1,320 |
| Earnings coverage of net charge-offs (x) | 3.7772% | 3,180 |
| Efficiency ratio | 70.6832% | 4,037 |
| Assets per employee ($millions) | 3.7763% | 4,280 |
| Cash dividends to net income (ytd only)* | 49.9150% | 1,691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1926% | 1,775 |
| Loan loss allowance to noncurrent loans | 58.6804% | 4,417 |
| Noncurrent assets plus other real estate owned to assets | 4.0698% | 1,680 |
| Noncurrent loans to loans | 3.7365% | 2,081 |
| Net loans and leases to total assets | 75.4603% | 1,603 |
| Net loans and leases to deposits | 86.5136% | 2,431 |
| Net loans and leases to core deposits | 102.0958% | 1,817 |
| Total domestic deposits to total assets | 87.2236% | 2,422 |
| Equity capital to assets | 8.3654% | 6,336 |
| Core capital (leverage) ratio | 8.1349% | 6,058 |
| Tier 1 risk-based capital ratio | 10.5167% | 6,673 |
| Total risk-based capital ratio | 11.7778% | 6,654 |
| Memoranda: | ||
| Average total assets | $1,233,047,330 | 540 |
| Average earning assets | $1,138,577,670 | 528 |
| Average equity | $102,871,330 | 642 |
| Average total loans | $976,785,670 | 461 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1704% | 4,193 |
| Cost of funding earning assets | 1.9201% | 1,372 |
| Net interest margin | 3.2503% | 6,130 |
| Noninterest income to average assets | 0.7511% | 2,294 |
| Noninterest expense to average assets | 2.6765% | 5,018 |
| Loan and lease loss provision to assets | 0.5696% | 2,215 |
| Net operating income to assets | 0.3664% | 4,996 |
| Return on assets (ROA) | 0.3261% | 5,316 |
| Pretax return on assets | 0.4552% | 5,110 |
| Return on Equity (ROE) | 3.9142% | 4,930 |
| Retained earnings to average equity (ytd only) | 3.9142% | 3,791 |
| Net charge-offs to loans | 0.2678% | 3,339 |
| Credit loss provision to net charge-offs | 265.0530% | 1,482 |
| Earnings coverage of net charge-offs (x) | 5.0287% | 2,485 |
| Efficiency ratio | 70.6819% | 4,181 |
| Assets per employee ($millions) | 3.8528% | 4,196 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9359% | 2,345 |
| Loan loss allowance to noncurrent loans | 72.0966% | 3,763 |
| Noncurrent assets plus other real estate owned to assets | 2.8957% | 2,477 |
| Noncurrent loans to loans | 2.6852% | 2,989 |
| Net loans and leases to total assets | 76.0929% | 1,527 |
| Net loans and leases to deposits | 87.1498% | 2,386 |
| Net loans and leases to core deposits | 107.2484% | 1,475 |
| Total domestic deposits to total assets | 87.3129% | 2,458 |
| Equity capital to assets | 8.2311% | 6,389 |
| Core capital (leverage) ratio | 8.3412% | 5,662 |
| Tier 1 risk-based capital ratio | 10.2607% | 6,831 |
| Total risk-based capital ratio | 11.5200% | 6,821 |
| Memoranda: | ||
| Average total assets | $1,230,255,000 | 559 |
| Average earning assets | $1,137,854,000 | 544 |
| Average equity | $102,498,500 | 650 |
| Average total loans | $987,364,500 | 478 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8486% | 2,445 |
| Cost of funding earning assets | 2.0322% | 2,808 |
| Net interest margin | 3.8163% | 3,636 |
| Noninterest income to average assets | 0.8488% | 2,184 |
| Noninterest expense to average assets | 3.9709% | 1,402 |
| Loan and lease loss provision to assets | 0.8686% | 2,573 |
| Net operating income to assets | -0.4478% | 6,123 |
| Return on assets (ROA) | -0.5193% | 6,191 |
| Pretax return on assets | -0.5687% | 6,067 |
| Return on Equity (ROE) | -5.4591% | 6,260 |
| Retained earnings to average equity (ytd only) | -8.3861% | 6,384 |
| Net charge-offs to loans | 0.5548% | 3,561 |
| Credit loss provision to net charge-offs | 177.3557% | 2,357 |
| Earnings coverage of net charge-offs (x) | 0.7730% | 5,333 |
| Efficiency ratio | 65.4323% | 5,505 |
| Assets per employee ($millions) | 3.7295% | 4,454 |
| Cash dividends to net income (ytd only)* | -53.6178% | 7,830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7664% | 2,653 |
| Loan loss allowance to noncurrent loans | 62.8623% | 4,253 |
| Noncurrent assets plus other real estate owned to assets | 3.0302% | 2,305 |
| Noncurrent loans to loans | 2.8100% | 2,751 |
| Net loans and leases to total assets | 81.5488% | 759 |
| Net loans and leases to deposits | 93.7037% | 1,640 |
| Net loans and leases to core deposits | 135.9537% | 952 |
| Total domestic deposits to total assets | 87.0284% | 2,490 |
| Equity capital to assets | 8.4355% | 6,002 |
| Core capital (leverage) ratio | 8.8970% | 4,591 |
| Tier 1 risk-based capital ratio | 9.9887% | 6,879 |
| Total risk-based capital ratio | 11.2452% | 6,848 |
| Memoranda: | ||
| Average total assets | $1,096,425,400 | 609 |
| Average earning assets | $1,005,733,400 | 601 |
| Average equity | $104,303,200 | 626 |
| Average total loans | $967,975,200 | 489 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9672% | 2,163 |
| Cost of funding earning assets | 2.0802% | 2,984 |
| Net interest margin | 3.8870% | 3,277 |
| Noninterest income to average assets | 0.8288% | 2,297 |
| Noninterest expense to average assets | 2.9839% | 4,112 |
| Loan and lease loss provision to assets | 0.8038% | 2,356 |
| Net operating income to assets | 0.4149% | 4,341 |
| Return on assets (ROA) | 0.3544% | 4,672 |
| Pretax return on assets | 0.5108% | 4,490 |
| Return on Equity (ROE) | 3.6098% | 4,532 |
| Retained earnings to average equity (ytd only) | 0.4767% | 5,004 |
| Net charge-offs to loans | 0.5328% | 3,087 |
| Credit loss provision to net charge-offs | 168.0407% | 2,784 |
| Earnings coverage of net charge-offs (x) | 2.9316% | 3,763 |
| Efficiency ratio | 67.1712% | 5,147 |
| Assets per employee ($millions) | 3.4042% | 5,155 |
| Cash dividends to net income (ytd only)* | 86.7957% | 798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6372% | 2,858 |
| Loan loss allowance to noncurrent loans | 49.8659% | 4,994 |
| Noncurrent assets plus other real estate owned to assets | 3.6713% | 1,784 |
| Noncurrent loans to loans | 3.2832% | 2,300 |
| Net loans and leases to total assets | 87.8272% | 217 |
| Net loans and leases to deposits | 103.4451% | 814 |
| Net loans and leases to core deposits | 145.3212% | 715 |
| Total domestic deposits to total assets | 84.9023% | 3,285 |
| Equity capital to assets | 10.0404% | 4,039 |
| Core capital (leverage) ratio | 9.0509% | 4,577 |
| Tier 1 risk-based capital ratio | 10.1013% | 6,879 |
| Total risk-based capital ratio | 11.3567% | 6,816 |
| Memoranda: | ||
| Average total assets | $1,068,445,750 | 641 |
| Average earning assets | $977,824,500 | 628 |
| Average equity | $104,896,500 | 631 |
| Average total loans | $959,191,750 | 513 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9858% | 2,236 |
| Cost of funding earning assets | 2.0979% | 3,277 |
| Net interest margin | 3.8879% | 3,165 |
| Noninterest income to average assets | 0.8452% | 2,193 |
| Noninterest expense to average assets | 3.0297% | 3,965 |
| Loan and lease loss provision to assets | 0.7498% | 2,190 |
| Net operating income to assets | 0.4298% | 4,379 |
| Return on assets (ROA) | 0.3775% | 4,693 |
| Pretax return on assets | 0.5465% | 4,477 |
| Return on Equity (ROE) | 3.8761% | 4,547 |
| Retained earnings to average equity (ytd only) | 0.2237% | 5,125 |
| Net charge-offs to loans | 0.6923% | 2,319 |
| Credit loss provision to net charge-offs | 120.4138% | 3,855 |
| Earnings coverage of net charge-offs (x) | 2.2035% | 3,966 |
| Efficiency ratio | 67.9606% | 5,159 |
| Assets per employee ($millions) | 3.3678% | 5,142 |
| Cash dividends to net income (ytd only)* | 94.2298% | 813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4499% | 3,467 |
| Loan loss allowance to noncurrent loans | 59.0191% | 4,516 |
| Noncurrent assets plus other real estate owned to assets | 2.9458% | 2,166 |
| Noncurrent loans to loans | 2.4567% | 2,941 |
| Net loans and leases to total assets | 87.8645% | 245 |
| Net loans and leases to deposits | 117.6155% | 286 |
| Net loans and leases to core deposits | 161.3826% | 432 |
| Total domestic deposits to total assets | 74.7049% | 6,821 |
| Equity capital to assets | 9.9866% | 3,957 |
| Core capital (leverage) ratio | 9.2102% | 4,295 |
| Tier 1 risk-based capital ratio | 10.1534% | 6,770 |
| Total risk-based capital ratio | 11.4051% | 6,692 |
| Memoranda: | ||
| Average total assets | $1,055,810,670 | 661 |
| Average earning assets | $965,826,330 | 653 |
| Average equity | $102,834,670 | 652 |
| Average total loans | $949,639,000 | 534 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0727% | 2,057 |
| Cost of funding earning assets | 2.1772% | 3,279 |
| Net interest margin | 3.8956% | 3,057 |
| Noninterest income to average assets | 0.8301% | 2,177 |
| Noninterest expense to average assets | 2.9655% | 3,911 |
| Loan and lease loss provision to assets | 0.7918% | 1,624 |
| Net operating income to assets | 0.4360% | 4,718 |
| Return on assets (ROA) | 0.3945% | 5,055 |
| Pretax return on assets | 0.5738% | 4,833 |
| Return on Equity (ROE) | 4.1063% | 4,881 |
| Retained earnings to average equity (ytd only) | -1.0961% | 5,914 |
| Net charge-offs to loans | 0.2305% | 3,257 |
| Credit loss provision to net charge-offs | 380.1115% | 1,353 |
| Earnings coverage of net charge-offs (x) | 6.8439% | 2,431 |
| Efficiency ratio | 66.6432% | 5,207 |
| Assets per employee ($millions) | 3.2371% | 5,495 |
| Cash dividends to net income (ytd only)* | 126.6928% | 551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5798% | 2,602 |
| Loan loss allowance to noncurrent loans | 79.1805% | 3,707 |
| Noncurrent assets plus other real estate owned to assets | 2.3177% | 2,479 |
| Noncurrent loans to loans | 1.9951% | 3,266 |
| Net loans and leases to total assets | 89.2538% | 179 |
| Net loans and leases to deposits | 114.1873% | 438 |
| Net loans and leases to core deposits | 158.8803% | 506 |
| Total domestic deposits to total assets | 78.1644% | 5,952 |
| Equity capital to assets | 10.3800% | 3,580 |
| Core capital (leverage) ratio | 9.5436% | 3,931 |
| Tier 1 risk-based capital ratio | 10.5401% | 6,356 |
| Total risk-based capital ratio | 11.7778% | 6,281 |
| Memoranda: | ||
| Average total assets | $1,033,086,500 | 672 |
| Average earning assets | $944,350,000 | 665 |
| Average equity | $99,263,000 | 677 |
| Average total loans | $933,532,500 | 542 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7028% | 2,017 |
| Cost of funding earning assets | 2.7725% | 2,819 |
| Net interest margin | 3.9304% | 3,445 |
| Noninterest income to average assets | 0.9327% | 1,843 |
| Noninterest expense to average assets | 2.9403% | 4,302 |
| Loan and lease loss provision to assets | 0.6298% | 2,311 |
| Net operating income to assets | 0.6330% | 4,177 |
| Return on assets (ROA) | 0.6330% | 4,020 |
| Pretax return on assets | 0.9388% | 3,590 |
| Return on Equity (ROE) | 6.9160% | 3,575 |
| Retained earnings to average equity (ytd only) | -5.6052% | 6,606 |
| Net charge-offs to loans | 0.0755% | 5,681 |
| Credit loss provision to net charge-offs | 942.4723% | 473 |
| Earnings coverage of net charge-offs (x) | 23.4739% | 1,424 |
| Efficiency ratio | 64.7259% | 5,388 |
| Assets per employee ($millions) | 3.2093% | 5,457 |
| Cash dividends to net income (ytd only)* | 181.0472% | 358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4858% | 2,768 |
| Loan loss allowance to noncurrent loans | 87.0723% | 3,871 |
| Noncurrent assets plus other real estate owned to assets | 2.1204% | 2,319 |
| Noncurrent loans to loans | 1.7064% | 3,213 |
| Net loans and leases to total assets | 88.6908% | 304 |
| Net loans and leases to deposits | 115.8767% | 528 |
| Net loans and leases to core deposits | 159.3784% | 588 |
| Total domestic deposits to total assets | 76.5389% | 6,112 |
| Equity capital to assets | 8.8080% | 5,639 |
| Core capital (leverage) ratio | 8.1692% | 6,221 |
| Tier 1 risk-based capital ratio | 8.8196% | 7,893 |
| Total risk-based capital ratio | 10.0729% | 7,942 |
| Memoranda: | ||
| Average total assets | $944,325,600 | 702 |
| Average earning assets | $859,203,200 | 702 |
| Average equity | $86,437,800 | 773 |
| Average total loans | $836,191,000 | 576 |