Home > First Federal Savings Bank of Iowa > Performance and Condition Ratios
First Federal Savings Bank of Iowa, 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 | 4.9126% | 2,190 |
| Cost of funding earning assets | 1.1275% | 1,268 |
| Net interest margin | 3.7852% | 3,460 |
| Noninterest income to average assets | 1.4722% | 669 |
| Noninterest expense to average assets | 4.3024% | 660 |
| Loan and lease loss provision to assets | 0.1381% | 3,627 |
| Net operating income to assets | 0.0911% | 6,252 |
| Return on assets (ROA) | 0.1326% | 6,294 |
| Pretax return on assets | 0.5165% | 5,372 |
| Return on Equity (ROE) | 1.4240% | 6,245 |
| Retained earnings to average equity (ytd only) | 1.4240% | 5,522 |
| Net charge-offs to loans | 0.0150% | 4,477 |
| Credit loss provision to net charge-offs | 1,250.0000% | 277 |
| Earnings coverage of net charge-offs (x) | 55.5000% | 583 |
| Efficiency ratio | 87.5258% | 1,334 |
| Assets per employee ($millions) | 3.1063% | 5,946 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8685% | 2,774 |
| Loan loss allowance to noncurrent loans | 122.4223% | 2,571 |
| Noncurrent assets plus other real estate owned to assets | 1.3510% | 3,859 |
| Noncurrent loans to loans | 1.5263% | 3,828 |
| Net loans and leases to total assets | 72.2668% | 1,353 |
| Net loans and leases to deposits | 85.9709% | 1,423 |
| Net loans and leases to core deposits | 86.7979% | 2,195 |
| Total domestic deposits to total assets | 84.0596% | 4,459 |
| Equity capital to assets | 9.3137% | 5,077 |
| Core capital (leverage) ratio | 8.9660% | 4,890 |
| Tier 1 risk-based capital ratio | 13.5128% | 4,817 |
| Total risk-based capital ratio | 14.7729% | 4,798 |
| Memoranda: | ||
| Average total assets | $434,458,000 | 1,533 |
| Average earning assets | $395,226,000 | 1,536 |
| Average equity | $40,449,000 | 1,719 |
| Average total loans | $319,620,000 | 1,325 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0581% | 2,616 |
| Cost of funding earning assets | 1.4246% | 940 |
| Net interest margin | 3.6334% | 4,601 |
| Noninterest income to average assets | 1.5535% | 554 |
| Noninterest expense to average assets | 3.6095% | 1,728 |
| Loan and lease loss provision to assets | 0.4808% | 2,204 |
| Net operating income to assets | 0.5818% | 4,091 |
| Return on assets (ROA) | 0.6051% | 4,161 |
| Pretax return on assets | 0.7962% | 3,993 |
| Return on Equity (ROE) | 5.7398% | 4,010 |
| Retained earnings to average equity (ytd only) | -16.0489% | 6,887 |
| Net charge-offs to loans | 0.7513% | 2,273 |
| Credit loss provision to net charge-offs | 87.6437% | 4,115 |
| Earnings coverage of net charge-offs (x) | 2.2722% | 4,086 |
| Efficiency ratio | 73.4233% | 3,321 |
| Assets per employee ($millions) | 3.0783% | 5,939 |
| Cash dividends to net income (ytd only)* | 379.6055% | 30 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8327% | 2,769 |
| Loan loss allowance to noncurrent loans | 124.5951% | 2,517 |
| Noncurrent assets plus other real estate owned to assets | 1.4842% | 3,725 |
| Noncurrent loans to loans | 1.4709% | 3,954 |
| Net loans and leases to total assets | 72.1452% | 1,623 |
| Net loans and leases to deposits | 85.9979% | 1,669 |
| Net loans and leases to core deposits | 87.3166% | 2,461 |
| Total domestic deposits to total assets | 83.8918% | 4,361 |
| Equity capital to assets | 9.3067% | 5,139 |
| Core capital (leverage) ratio | 8.6837% | 5,277 |
| Tier 1 risk-based capital ratio | 13.4771% | 4,707 |
| Total risk-based capital ratio | 14.7366% | 4,669 |
| Memoranda: | ||
| Average total assets | $444,084,000 | 1,472 |
| Average earning assets | $403,613,800 | 1,474 |
| Average equity | $46,813,200 | 1,456 |
| Average total loans | $324,221,800 | 1,310 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0631% | 2,787 |
| Cost of funding earning assets | 1.4813% | 927 |
| Net interest margin | 3.5818% | 4,844 |
| Noninterest income to average assets | 1.5420% | 552 |
| Noninterest expense to average assets | 3.5856% | 1,738 |
| Loan and lease loss provision to assets | 0.3389% | 2,849 |
| Net operating income to assets | 0.6648% | 3,797 |
| Return on assets (ROA) | 0.6911% | 3,837 |
| Pretax return on assets | 0.9088% | 3,729 |
| Return on Equity (ROE) | 6.3749% | 3,839 |
| Retained earnings to average equity (ytd only) | 6.3749% | 2,308 |
| Net charge-offs to loans | 0.9076% | 1,764 |
| Credit loss provision to net charge-offs | 51.2184% | 5,011 |
| Earnings coverage of net charge-offs (x) | 1.8335% | 4,293 |
| Efficiency ratio | 74.7216% | 3,044 |
| Assets per employee ($millions) | 3.0733% | 5,956 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6130% | 3,598 |
| Loan loss allowance to noncurrent loans | 88.0584% | 3,296 |
| Noncurrent assets plus other real estate owned to assets | 1.6595% | 3,595 |
| Noncurrent loans to loans | 1.8317% | 3,596 |
| Net loans and leases to total assets | 71.8192% | 1,749 |
| Net loans and leases to deposits | 88.5453% | 1,370 |
| Net loans and leases to core deposits | 90.0916% | 2,234 |
| Total domestic deposits to total assets | 81.1102% | 5,396 |
| Equity capital to assets | 11.6902% | 2,506 |
| Core capital (leverage) ratio | 11.1053% | 2,310 |
| Tier 1 risk-based capital ratio | 16.9686% | 2,655 |
| Total risk-based capital ratio | 18.2250% | 2,615 |
| Memoranda: | ||
| Average total assets | $446,595,000 | 1,478 |
| Average earning assets | $406,041,250 | 1,486 |
| Average equity | $48,417,750 | 1,414 |
| Average total loans | $325,531,000 | 1,312 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0549% | 2,899 |
| Cost of funding earning assets | 1.5382% | 869 |
| Net interest margin | 3.5167% | 5,083 |
| Noninterest income to average assets | 1.4242% | 627 |
| Noninterest expense to average assets | 3.5492% | 1,859 |
| Loan and lease loss provision to assets | 0.3473% | 2,701 |
| Net operating income to assets | 0.5545% | 4,291 |
| Return on assets (ROA) | 0.5646% | 4,368 |
| Pretax return on assets | 0.7393% | 4,249 |
| Return on Equity (ROE) | 5.3399% | 4,289 |
| Retained earnings to average equity (ytd only) | 5.3399% | 2,783 |
| Net charge-offs to loans | 0.6437% | 2,234 |
| Credit loss provision to net charge-offs | 74.0566% | 3,945 |
| Earnings coverage of net charge-offs (x) | 2.2887% | 3,684 |
| Efficiency ratio | 76.7802% | 2,890 |
| Assets per employee ($millions) | 3.1219% | 5,827 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8206% | 2,918 |
| Loan loss allowance to noncurrent loans | 95.8225% | 3,005 |
| Noncurrent assets plus other real estate owned to assets | 1.8091% | 3,495 |
| Noncurrent loans to loans | 1.9000% | 3,610 |
| Net loans and leases to total assets | 71.4300% | 1,899 |
| Net loans and leases to deposits | 87.8871% | 1,517 |
| Net loans and leases to core deposits | 89.4333% | 2,445 |
| Total domestic deposits to total assets | 81.2747% | 5,432 |
| Equity capital to assets | 11.0121% | 2,936 |
| Core capital (leverage) ratio | 10.4364% | 2,777 |
| Tier 1 risk-based capital ratio | 16.2515% | 2,857 |
| Total risk-based capital ratio | 17.5108% | 2,821 |
| Memoranda: | ||
| Average total assets | $452,040,670 | 1,473 |
| Average earning assets | $411,124,000 | 1,472 |
| Average equity | $47,791,000 | 1,413 |
| Average total loans | $329,350,000 | 1,312 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0656% | 2,795 |
| Cost of funding earning assets | 1.5763% | 893 |
| Net interest margin | 3.4893% | 5,059 |
| Noninterest income to average assets | 1.4321% | 622 |
| Noninterest expense to average assets | 3.4513% | 2,140 |
| Loan and lease loss provision to assets | 0.2629% | 3,032 |
| Net operating income to assets | 0.6179% | 3,948 |
| Return on assets (ROA) | 0.6179% | 4,014 |
| Pretax return on assets | 0.8685% | 3,630 |
| Return on Equity (ROE) | 5.9648% | 3,925 |
| Retained earnings to average equity (ytd only) | 5.9648% | 2,662 |
| Net charge-offs to loans | 0.5638% | 2,076 |
| Credit loss provision to net charge-offs | 63.9659% | 3,467 |
| Earnings coverage of net charge-offs (x) | 2.7527% | 2,978 |
| Efficiency ratio | 75.3108% | 3,277 |
| Assets per employee ($millions) | 3.3325% | 5,408 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2930% | 5,164 |
| Loan loss allowance to noncurrent loans | 44.9574% | 5,306 |
| Noncurrent assets plus other real estate owned to assets | 2.7690% | 2,494 |
| Noncurrent loans to loans | 2.8760% | 2,616 |
| Net loans and leases to total assets | 70.0032% | 2,132 |
| Net loans and leases to deposits | 87.2705% | 1,553 |
| Net loans and leases to core deposits | 87.9027% | 2,613 |
| Total domestic deposits to total assets | 80.2141% | 5,887 |
| Equity capital to assets | 10.3709% | 3,324 |
| Core capital (leverage) ratio | 10.2352% | 2,886 |
| Tier 1 risk-based capital ratio | 16.0673% | 2,875 |
| Total risk-based capital ratio | 17.3196% | 2,850 |
| Memoranda: | ||
| Average total assets | $456,404,000 | 1,471 |
| Average earning assets | $412,113,000 | 1,484 |
| Average equity | $47,277,500 | 1,416 |
| Average total loans | $332,759,500 | 1,319 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4493% | 2,479 |
| Cost of funding earning assets | 1.9007% | 839 |
| Net interest margin | 3.5486% | 5,044 |
| Noninterest income to average assets | 1.6943% | 516 |
| Noninterest expense to average assets | 3.5095% | 2,146 |
| Loan and lease loss provision to assets | 0.9009% | 1,817 |
| Net operating income to assets | 0.3886% | 4,593 |
| Return on assets (ROA) | 0.3900% | 4,733 |
| Pretax return on assets | 0.5045% | 4,608 |
| Return on Equity (ROE) | 3.8229% | 4,602 |
| Retained earnings to average equity (ytd only) | 3.8229% | 3,188 |
| Net charge-offs to loans | 1.1265% | 1,979 |
| Credit loss provision to net charge-offs | 101.6398% | 4,460 |
| Earnings coverage of net charge-offs (x) | 1.5836% | 4,549 |
| Efficiency ratio | 71.4311% | 3,905 |
| Assets per employee ($millions) | 3.2821% | 5,471 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2924% | 5,045 |
| Loan loss allowance to noncurrent loans | 41.3540% | 5,547 |
| Noncurrent assets plus other real estate owned to assets | 3.3542% | 2,093 |
| Noncurrent loans to loans | 3.1252% | 2,443 |
| Net loans and leases to total assets | 73.9599% | 1,671 |
| Net loans and leases to deposits | 94.9975% | 954 |
| Net loans and leases to core deposits | 95.7152% | 2,045 |
| Total domestic deposits to total assets | 77.8546% | 6,347 |
| Equity capital to assets | 10.3463% | 3,330 |
| Core capital (leverage) ratio | 10.2296% | 2,831 |
| Tier 1 risk-based capital ratio | 15.2901% | 3,104 |
| Total risk-based capital ratio | 16.5427% | 3,061 |
| Memoranda: | ||
| Average total assets | $454,111,000 | 1,465 |
| Average earning assets | $411,903,200 | 1,477 |
| Average equity | $46,326,400 | 1,447 |
| Average total loans | $357,310,000 | 1,255 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5096% | 2,396 |
| Cost of funding earning assets | 1.9369% | 909 |
| Net interest margin | 3.5726% | 5,002 |
| Noninterest income to average assets | 1.6698% | 503 |
| Noninterest expense to average assets | 3.4737% | 2,102 |
| Loan and lease loss provision to assets | 0.7564% | 2,023 |
| Net operating income to assets | 0.5012% | 4,310 |
| Return on assets (ROA) | 0.5029% | 4,492 |
| Pretax return on assets | 0.6848% | 4,283 |
| Return on Equity (ROE) | 4.9473% | 4,318 |
| Retained earnings to average equity (ytd only) | 4.9473% | 3,028 |
| Net charge-offs to loans | 1.0709% | 1,894 |
| Credit loss provision to net charge-offs | 88.7130% | 4,818 |
| Earnings coverage of net charge-offs (x) | 1.6875% | 4,439 |
| Efficiency ratio | 70.7101% | 3,935 |
| Assets per employee ($millions) | 3.2823% | 5,509 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1679% | 5,637 |
| Loan loss allowance to noncurrent loans | 33.3975% | 6,100 |
| Noncurrent assets plus other real estate owned to assets | 3.4284% | 2,072 |
| Noncurrent loans to loans | 3.4969% | 2,268 |
| Net loans and leases to total assets | 74.0456% | 1,794 |
| Net loans and leases to deposits | 96.3615% | 940 |
| Net loans and leases to core deposits | 97.3181% | 2,111 |
| Total domestic deposits to total assets | 76.8415% | 6,517 |
| Equity capital to assets | 10.4098% | 3,629 |
| Core capital (leverage) ratio | 10.1645% | 3,079 |
| Tier 1 risk-based capital ratio | 15.2320% | 3,137 |
| Total risk-based capital ratio | 16.4827% | 3,103 |
| Memoranda: | ||
| Average total assets | $454,407,500 | 1,480 |
| Average earning assets | $412,461,250 | 1,499 |
| Average equity | $46,192,750 | 1,464 |
| Average total loans | $361,795,250 | 1,255 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5848% | 2,191 |
| Cost of funding earning assets | 1.9547% | 1,028 |
| Net interest margin | 3.6301% | 4,691 |
| Noninterest income to average assets | 1.5439% | 537 |
| Noninterest expense to average assets | 3.5055% | 2,015 |
| Loan and lease loss provision to assets | 1.0622% | 1,360 |
| Net operating income to assets | 0.2319% | 5,450 |
| Return on assets (ROA) | 0.2349% | 5,576 |
| Pretax return on assets | 0.2781% | 5,569 |
| Return on Equity (ROE) | 2.3296% | 5,530 |
| Retained earnings to average equity (ytd only) | 2.3296% | 4,672 |
| Net charge-offs to loans | 1.4819% | 1,289 |
| Credit loss provision to net charge-offs | 88.2784% | 4,470 |
| Earnings coverage of net charge-offs (x) | 1.1110% | 4,682 |
| Efficiency ratio | 72.3946% | 3,756 |
| Assets per employee ($millions) | 3.1441% | 5,803 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1168% | 5,859 |
| Loan loss allowance to noncurrent loans | 43.7719% | 5,389 |
| Noncurrent assets plus other real estate owned to assets | 2.5615% | 2,829 |
| Noncurrent loans to loans | 2.5514% | 3,105 |
| Net loans and leases to total assets | 78.2065% | 1,077 |
| Net loans and leases to deposits | 101.9663% | 598 |
| Net loans and leases to core deposits | 102.9844% | 1,736 |
| Total domestic deposits to total assets | 76.6984% | 6,562 |
| Equity capital to assets | 10.1600% | 3,820 |
| Core capital (leverage) ratio | 9.9679% | 3,202 |
| Tier 1 risk-based capital ratio | 14.4463% | 3,473 |
| Total risk-based capital ratio | 15.6967% | 3,440 |
| Memoranda: | ||
| Average total assets | $453,795,670 | 1,507 |
| Average earning assets | $412,330,330 | 1,500 |
| Average equity | $45,759,000 | 1,470 |
| Average total loans | $368,453,670 | 1,247 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6667% | 1,899 |
| Cost of funding earning assets | 1.9819% | 1,153 |
| Net interest margin | 3.6848% | 4,329 |
| Noninterest income to average assets | 1.4492% | 571 |
| Noninterest expense to average assets | 3.3025% | 2,524 |
| Loan and lease loss provision to assets | 0.7043% | 1,806 |
| Net operating income to assets | 0.5602% | 4,077 |
| Return on assets (ROA) | 0.5652% | 4,199 |
| Pretax return on assets | 0.7986% | 3,874 |
| Return on Equity (ROE) | 5.6268% | 4,050 |
| Retained earnings to average equity (ytd only) | 5.6268% | 2,802 |
| Net charge-offs to loans | 0.7976% | 1,935 |
| Credit loss provision to net charge-offs | 107.3826% | 3,200 |
| Earnings coverage of net charge-offs (x) | 2.2805% | 3,396 |
| Efficiency ratio | 68.8257% | 4,547 |
| Assets per employee ($millions) | 3.1465% | 5,889 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1086% | 5,968 |
| Loan loss allowance to noncurrent loans | 35.2819% | 6,032 |
| Noncurrent assets plus other real estate owned to assets | 2.8694% | 2,512 |
| Noncurrent loans to loans | 3.1420% | 2,557 |
| Net loans and leases to total assets | 80.0919% | 836 |
| Net loans and leases to deposits | 105.4772% | 453 |
| Net loans and leases to core deposits | 106.5837% | 1,530 |
| Total domestic deposits to total assets | 75.9330% | 6,769 |
| Equity capital to assets | 10.1401% | 3,684 |
| Core capital (leverage) ratio | 9.9754% | 3,195 |
| Tier 1 risk-based capital ratio | 14.3715% | 3,454 |
| Total risk-based capital ratio | 15.6222% | 3,419 |
| Memoranda: | ||
| Average total assets | $454,320,500 | 1,545 |
| Average earning assets | $412,939,000 | 1,538 |
| Average equity | $45,639,000 | 1,476 |
| Average total loans | $373,642,500 | 1,272 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0034% | 1,850 |
| Cost of funding earning assets | 2.4612% | 1,119 |
| Net interest margin | 3.5422% | 4,770 |
| Noninterest income to average assets | 1.4706% | 662 |
| Noninterest expense to average assets | 3.2744% | 3,106 |
| Loan and lease loss provision to assets | 0.5272% | 3,735 |
| Net operating income to assets | 0.6043% | 3,312 |
| Return on assets (ROA) | 0.7000% | 3,002 |
| Pretax return on assets | 1.0353% | 2,477 |
| Return on Equity (ROE) | 7.6633% | 2,510 |
| Retained earnings to average equity (ytd only) | 7.6633% | 787 |
| Net charge-offs to loans | 0.4837% | 3,838 |
| Credit loss provision to net charge-offs | 128.5414% | 4,011 |
| Earnings coverage of net charge-offs (x) | 3.4664% | 3,332 |
| Efficiency ratio | 69.7246% | 4,689 |
| Assets per employee ($millions) | 3.1417% | 5,884 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0551% | 6,106 |
| Loan loss allowance to noncurrent loans | 34.1677% | 6,158 |
| Noncurrent assets plus other real estate owned to assets | 2.9534% | 2,375 |
| Noncurrent loans to loans | 3.0881% | 2,480 |
| Net loans and leases to total assets | 82.6067% | 592 |
| Net loans and leases to deposits | 111.2595% | 340 |
| Net loans and leases to core deposits | 122.8288% | 1,724 |
| Total domestic deposits to total assets | 74.2468% | 6,986 |
| Equity capital to assets | 9.9515% | 3,831 |
| Core capital (leverage) ratio | 9.7791% | 3,354 |
| Tier 1 risk-based capital ratio | 13.6236% | 3,740 |
| Total risk-based capital ratio | 14.8555% | 3,693 |
| Memoranda: | ||
| Average total assets | $464,695,200 | 1,492 |
| Average earning assets | $423,161,000 | 1,493 |
| Average equity | $42,449,000 | 1,575 |
| Average total loans | $394,067,600 | 1,220 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0589% | 1,802 |
| Cost of funding earning assets | 2.5675% | 1,111 |
| Net interest margin | 3.4914% | 4,898 |
| Noninterest income to average assets | 1.5372% | 628 |
| Noninterest expense to average assets | 3.2848% | 2,976 |
| Loan and lease loss provision to assets | 0.3483% | 4,241 |
| Net operating income to assets | 0.7265% | 3,110 |
| Return on assets (ROA) | 0.7795% | 2,958 |
| Pretax return on assets | 1.1672% | 2,363 |
| Return on Equity (ROE) | 8.7230% | 2,365 |
| Retained earnings to average equity (ytd only) | 8.7230% | 916 |
| Net charge-offs to loans | 0.1835% | 4,922 |
| Credit loss provision to net charge-offs | 223.0347% | 1,960 |
| Earnings coverage of net charge-offs (x) | 9.1974% | 2,136 |
| Efficiency ratio | 69.5755% | 4,677 |
| Assets per employee ($millions) | 3.1512% | 5,778 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0649% | 5,933 |
| Loan loss allowance to noncurrent loans | 41.6533% | 5,546 |
| Noncurrent assets plus other real estate owned to assets | 2.5050% | 2,768 |
| Noncurrent loans to loans | 2.5567% | 2,954 |
| Net loans and leases to total assets | 84.7985% | 453 |
| Net loans and leases to deposits | 116.4495% | 262 |
| Net loans and leases to core deposits | 129.2549% | 1,479 |
| Total domestic deposits to total assets | 72.8200% | 7,106 |
| Equity capital to assets | 9.9242% | 4,183 |
| Core capital (leverage) ratio | 9.7060% | 3,637 |
| Tier 1 risk-based capital ratio | 13.3843% | 3,937 |
| Total risk-based capital ratio | 14.6366% | 3,875 |
| Memoranda: | ||
| Average total assets | $466,982,000 | 1,495 |
| Average earning assets | $425,878,000 | 1,498 |
| Average equity | $41,727,750 | 1,619 |
| Average total loans | $397,503,000 | 1,225 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0882% | 1,826 |
| Cost of funding earning assets | 2.6816% | 1,071 |
| Net interest margin | 3.4066% | 5,135 |
| Noninterest income to average assets | 1.4931% | 665 |
| Noninterest expense to average assets | 3.3060% | 2,932 |
| Loan and lease loss provision to assets | 0.3267% | 3,981 |
| Net operating income to assets | 0.6523% | 3,457 |
| Return on assets (ROA) | 0.7293% | 3,242 |
| Pretax return on assets | 1.0853% | 2,688 |
| Return on Equity (ROE) | 8.4626% | 2,585 |
| Retained earnings to average equity (ytd only) | 8.4626% | 1,074 |
| Net charge-offs to loans | 0.1808% | 4,445 |
| Credit loss provision to net charge-offs | 212.7072% | 2,164 |
| Earnings coverage of net charge-offs (x) | 8.4448% | 2,257 |
| Efficiency ratio | 71.8223% | 4,447 |
| Assets per employee ($millions) | 3.0752% | 5,931 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9606% | 6,502 |
| Loan loss allowance to noncurrent loans | 50.3827% | 4,999 |
| Noncurrent assets plus other real estate owned to assets | 1.9086% | 3,329 |
| Noncurrent loans to loans | 1.9066% | 3,660 |
| Net loans and leases to total assets | 85.3390% | 460 |
| Net loans and leases to deposits | 117.7127% | 282 |
| Net loans and leases to core deposits | 130.8142% | 1,496 |
| Total domestic deposits to total assets | 72.4977% | 7,188 |
| Equity capital to assets | 9.4975% | 4,612 |
| Core capital (leverage) ratio | 9.3187% | 4,140 |
| Tier 1 risk-based capital ratio | 12.8903% | 4,219 |
| Total risk-based capital ratio | 14.0389% | 4,208 |
| Memoranda: | ||
| Average total assets | $471,383,330 | 1,507 |
| Average earning assets | $430,341,330 | 1,501 |
| Average equity | $40,625,670 | 1,669 |
| Average total loans | $400,357,670 | 1,241 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0291% | 2,240 |
| Cost of funding earning assets | 2.8284% | 914 |
| Net interest margin | 3.2006% | 5,855 |
| Noninterest income to average assets | 1.2073% | 988 |
| Noninterest expense to average assets | 3.2516% | 2,791 |
| Loan and lease loss provision to assets | 0.1343% | 5,239 |
| Net operating income to assets | 0.5065% | 4,392 |
| Return on assets (ROA) | 0.6800% | 3,846 |
| Pretax return on assets | 0.9932% | 3,369 |
| Return on Equity (ROE) | 8.3006% | 3,012 |
| Retained earnings to average equity (ytd only) | 8.3006% | 1,708 |
| Net charge-offs to loans | 0.1414% | 3,829 |
| Credit loss provision to net charge-offs | 112.6761% | 3,442 |
| Earnings coverage of net charge-offs (x) | 7.3169% | 2,363 |
| Efficiency ratio | 78.8477% | 3,025 |
| Assets per employee ($millions) | 3.5487% | 4,704 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8752% | 6,849 |
| Loan loss allowance to noncurrent loans | 45.5698% | 5,476 |
| Noncurrent assets plus other real estate owned to assets | 1.8158% | 3,194 |
| Noncurrent loans to loans | 1.9206% | 3,378 |
| Net loans and leases to total assets | 82.4349% | 939 |
| Net loans and leases to deposits | 111.9788% | 523 |
| Net loans and leases to core deposits | 125.4371% | 1,959 |
| Total domestic deposits to total assets | 73.6165% | 6,944 |
| Equity capital to assets | 8.9590% | 5,405 |
| Core capital (leverage) ratio | 8.7760% | 5,026 |
| Tier 1 risk-based capital ratio | 12.3904% | 4,624 |
| Total risk-based capital ratio | 13.4214% | 4,705 |
| Memoranda: | ||
| Average total assets | $476,436,000 | 1,501 |
| Average earning assets | $434,163,000 | 1,493 |
| Average equity | $39,033,500 | 1,739 |
| Average total loans | $401,802,500 | 1,250 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3995% | 3,422 |
| Cost of funding earning assets | 3.4285% | 657 |
| Net interest margin | 2.9710% | 6,982 |
| Noninterest income to average assets | 0.7452% | 2,810 |
| Noninterest expense to average assets | 3.7275% | 1,895 |
| Loan and lease loss provision to assets | 1.3016% | 1,092 |
| Net operating income to assets | -1.3136% | 7,396 |
| Return on assets (ROA) | -1.2537% | 7,310 |
| Pretax return on assets | -1.5173% | 7,262 |
| Return on Equity (ROE) | -15.7719% | 7,617 |
| Retained earnings to average equity (ytd only) | -18.1085% | 7,626 |
| Net charge-offs to loans | 0.5150% | 2,297 |
| Credit loss provision to net charge-offs | 289.9277% | 1,565 |
| Earnings coverage of net charge-offs (x) | -0.6414% | 6,523 |
| Efficiency ratio | 79.2077% | 2,722 |
| Assets per employee ($millions) | 3.5894% | 4,441 |
| Cash dividends to net income (ytd only)* | -14.8148% | 7,900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8561% | 6,868 |
| Loan loss allowance to noncurrent loans | 78.9306% | 4,162 |
| Noncurrent assets plus other real estate owned to assets | 1.1773% | 3,903 |
| Noncurrent loans to loans | 1.0847% | 4,396 |
| Net loans and leases to total assets | 84.7882% | 763 |
| Net loans and leases to deposits | 113.6687% | 629 |
| Net loans and leases to core deposits | 127.5338% | 2,038 |
| Total domestic deposits to total assets | 74.5924% | 6,539 |
| Equity capital to assets | 7.4181% | 7,455 |
| Core capital (leverage) ratio | 7.2606% | 7,460 |
| Tier 1 risk-based capital ratio | 10.1262% | 6,601 |
| Total risk-based capital ratio | 11.1504% | 6,731 |
| Memoranda: | ||
| Average total assets | $493,178,000 | 1,376 |
| Average earning assets | $447,256,200 | 1,390 |
| Average equity | $39,202,600 | 1,721 |
| Average total loans | $429,873,000 | 1,116 |