Home > Acacia Federal Savings Bank > Performance and Condition Ratios
Acacia Federal Savings Bank, Performance and Condition Ratios
| 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 | 3.0868% | 6,333 |
| Cost of funding earning assets | 1.2879% | 130 |
| Net interest margin | 1.7989% | 6,769 |
| Noninterest income to average assets | 0.8650% | 1,876 |
| Noninterest expense to average assets | 2.2067% | 5,593 |
| Loan and lease loss provision to assets | -0.5614% | 6,841 |
| Net operating income to assets | 0.6177% | 4,266 |
| Return on assets (ROA) | 0.6177% | 4,396 |
| Pretax return on assets | 0.9607% | 3,646 |
| Return on Equity (ROE) | 3.5033% | 5,432 |
| Retained earnings to average equity (ytd only) | 3.5033% | 4,199 |
| Net charge-offs to loans | 0.0731% | 3,896 |
| Credit loss provision to net charge-offs | -1,147.6190% | 6,208 |
| Earnings coverage of net charge-offs (x) | 8.1627% | 2,670 |
| Efficiency ratio | 84.6778% | 1,517 |
| Assets per employee ($millions) | 15.8285% | 76 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1952% | 4,885 |
| Loan loss allowance to noncurrent loans | 79.7834% | 4,080 |
| Noncurrent assets plus other real estate owned to assets | 1.0578% | 3,537 |
| Noncurrent loans to loans | 1.4980% | 2,917 |
| Net loans and leases to total assets | 68.6319% | 2,211 |
| Net loans and leases to deposits | 87.9676% | 1,365 |
| Net loans and leases to core deposits | 105.5747% | 781 |
| Total domestic deposits to total assets | 78.0195% | 5,895 |
| Equity capital to assets | 20.9826% | 177 |
| Core capital (leverage) ratio | 20.4669% | 186 |
| Tier 1 risk-based capital ratio | 43.8503% | 186 |
| Total risk-based capital ratio | 45.0651% | 184 |
| Memoranda: | ||
| Average total assets | $686,865,000 | 978 |
| Average earning assets | $664,756,750 | 914 |
| Average equity | $121,103,000 | 591 |
| Average total loans | $459,340,500 | 926 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1083% | 6,333 |
| Cost of funding earning assets | 1.3506% | 111 |
| Net interest margin | 1.7577% | 6,824 |
| Noninterest income to average assets | 0.5834% | 3,299 |
| Noninterest expense to average assets | 2.1821% | 5,676 |
| Loan and lease loss provision to assets | -0.6639% | 6,895 |
| Net operating income to assets | 0.4699% | 4,924 |
| Return on assets (ROA) | 0.4699% | 5,104 |
| Pretax return on assets | 0.7633% | 4,452 |
| Return on Equity (ROE) | 2.8098% | 5,694 |
| Retained earnings to average equity (ytd only) | 2.8098% | 4,525 |
| Net charge-offs to loans | 0.0394% | 4,125 |
| Credit loss provision to net charge-offs | -2,544.6809% | 6,170 |
| Earnings coverage of net charge-offs (x) | 3.8085% | 3,295 |
| Efficiency ratio | 95.6448% | 673 |
| Assets per employee ($millions) | 10.0233% | 220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2351% | 4,812 |
| Loan loss allowance to noncurrent loans | 86.3985% | 3,824 |
| Noncurrent assets plus other real estate owned to assets | 1.0547% | 3,634 |
| Noncurrent loans to loans | 1.4295% | 3,154 |
| Net loans and leases to total assets | 69.9029% | 1,904 |
| Net loans and leases to deposits | 88.8849% | 1,241 |
| Net loans and leases to core deposits | 106.0385% | 737 |
| Total domestic deposits to total assets | 78.6443% | 5,863 |
| Equity capital to assets | 19.1937% | 246 |
| Core capital (leverage) ratio | 18.2379% | 271 |
| Tier 1 risk-based capital ratio | 37.8704% | 270 |
| Total risk-based capital ratio | 39.0951% | 267 |
| Memoranda: | ||
| Average total assets | $720,601,330 | 926 |
| Average earning assets | $696,142,330 | 873 |
| Average equity | $120,508,670 | 599 |
| Average total loans | $476,851,000 | 886 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0547% | 6,451 |
| Cost of funding earning assets | 1.4048% | 90 |
| Net interest margin | 1.6499% | 6,920 |
| Noninterest income to average assets | 0.5886% | 3,200 |
| Noninterest expense to average assets | 2.1360% | 5,831 |
| Loan and lease loss provision to assets | -0.7800% | 6,987 |
| Net operating income to assets | 0.5090% | 4,612 |
| Return on assets (ROA) | 0.5039% | 4,784 |
| Pretax return on assets | 0.8186% | 4,096 |
| Return on Equity (ROE) | 3.2090% | 5,486 |
| Retained earnings to average equity (ytd only) | 3.2090% | 4,329 |
| Net charge-offs to loans | -0.1627% | 6,628 |
| Credit loss provision to net charge-offs | 746.0000% | 390 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.8683% | 638 |
| Assets per employee ($millions) | 9.5534% | 262 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3980% | 4,243 |
| Loan loss allowance to noncurrent loans | 118.3918% | 2,915 |
| Noncurrent assets plus other real estate owned to assets | 0.7816% | 4,419 |
| Noncurrent loans to loans | 1.1808% | 3,797 |
| Net loans and leases to total assets | 63.5494% | 2,796 |
| Net loans and leases to deposits | 77.7340% | 2,380 |
| Net loans and leases to core deposits | 97.6518% | 1,104 |
| Total domestic deposits to total assets | 81.7524% | 5,278 |
| Equity capital to assets | 16.1929% | 526 |
| Core capital (leverage) ratio | 15.3330% | 539 |
| Tier 1 risk-based capital ratio | 34.6813% | 358 |
| Total risk-based capital ratio | 35.9123% | 352 |
| Memoranda: | ||
| Average total assets | $765,169,000 | 886 |
| Average earning assets | $739,187,500 | 828 |
| Average equity | $120,162,000 | 612 |
| Average total loans | $491,810,000 | 860 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2269% | 4,487 |
| Cost of funding earning assets | 2.1199% | 21 |
| Net interest margin | 2.1070% | 6,897 |
| Noninterest income to average assets | 0.0564% | 6,663 |
| Noninterest expense to average assets | 2.4950% | 5,114 |
| Loan and lease loss provision to assets | 0.2122% | 3,023 |
| Net operating income to assets | -0.3899% | 6,509 |
| Return on assets (ROA) | -0.3946% | 6,558 |
| Pretax return on assets | -0.6381% | 6,631 |
| Return on Equity (ROE) | -3.0602% | 6,501 |
| Retained earnings to average equity (ytd only) | -11.3671% | 6,680 |
| Net charge-offs to loans | 0.8548% | 1,341 |
| Credit loss provision to net charge-offs | 29.6246% | 5,119 |
| Earnings coverage of net charge-offs (x) | -0.5844% | 5,688 |
| Efficiency ratio | 120.1589% | 211 |
| Assets per employee ($millions) | 10.4690% | 203 |
| Cash dividends to net income (ytd only)* | -271.4441% | 7,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5905% | 3,365 |
| Loan loss allowance to noncurrent loans | 199.9001% | 1,842 |
| Noncurrent assets plus other real estate owned to assets | 0.6085% | 4,957 |
| Noncurrent loans to loans | 0.7957% | 4,591 |
| Net loans and leases to total assets | 63.0883% | 3,041 |
| Net loans and leases to deposits | 75.6557% | 2,859 |
| Net loans and leases to core deposits | 95.6688% | 1,334 |
| Total domestic deposits to total assets | 83.3887% | 4,567 |
| Equity capital to assets | 15.2400% | 693 |
| Core capital (leverage) ratio | 14.7925% | 607 |
| Tier 1 risk-based capital ratio | 33.3421% | 387 |
| Total risk-based capital ratio | 34.5920% | 380 |
| Memoranda: | ||
| Average total assets | $933,624,000 | 706 |
| Average earning assets | $895,061,200 | 659 |
| Average equity | $120,382,800 | 597 |
| Average total loans | $782,283,000 | 521 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2017% | 4,810 |
| Cost of funding earning assets | 2.1787% | 17 |
| Net interest margin | 2.0231% | 7,031 |
| Noninterest income to average assets | 0.7421% | 2,519 |
| Noninterest expense to average assets | 1.7669% | 6,714 |
| Loan and lease loss provision to assets | 0.7589% | 648 |
| Net operating income to assets | 0.0948% | 6,137 |
| Return on assets (ROA) | 0.0889% | 6,287 |
| Pretax return on assets | 0.1444% | 6,212 |
| Return on Equity (ROE) | 0.7155% | 6,300 |
| Retained earnings to average equity (ytd only) | -10.3434% | 6,825 |
| Net charge-offs to loans | 0.9588% | 1,120 |
| Credit loss provision to net charge-offs | 90.1746% | 3,287 |
| Earnings coverage of net charge-offs (x) | 1.0844% | 4,768 |
| Efficiency ratio | 65.9422% | 4,457 |
| Assets per employee ($millions) | 11.6804% | 158 |
| Cash dividends to net income (ytd only)* | 1,545.5863% | 3 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4707% | 4,061 |
| Loan loss allowance to noncurrent loans | 36.8309% | 5,810 |
| Noncurrent assets plus other real estate owned to assets | 4.1497% | 1,156 |
| Noncurrent loans to loans | 3.9931% | 1,284 |
| Net loans and leases to total assets | 89.0494% | 70 |
| Net loans and leases to deposits | 121.1273% | 74 |
| Net loans and leases to core deposits | 157.9666% | 85 |
| Total domestic deposits to total assets | 73.5172% | 6,639 |
| Equity capital to assets | 12.8263% | 1,692 |
| Core capital (leverage) ratio | 12.4206% | 1,441 |
| Tier 1 risk-based capital ratio | 20.8625% | 1,560 |
| Total risk-based capital ratio | 22.0910% | 1,531 |
| Memoranda: | ||
| Average total assets | $970,736,000 | 682 |
| Average earning assets | $929,593,000 | 648 |
| Average equity | $120,563,250 | 594 |
| Average total loans | $852,013,750 | 480 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2204% | 4,882 |
| Cost of funding earning assets | 2.3161% | 15 |
| Net interest margin | 1.9043% | 7,130 |
| Noninterest income to average assets | 0.5292% | 3,731 |
| Noninterest expense to average assets | 1.7427% | 6,807 |
| Loan and lease loss provision to assets | 0.9539% | 473 |
| Net operating income to assets | -0.2045% | 6,550 |
| Return on assets (ROA) | -0.2063% | 6,618 |
| Pretax return on assets | -0.3491% | 6,671 |
| Return on Equity (ROE) | -1.6782% | 6,599 |
| Retained earnings to average equity (ytd only) | -18.0987% | 6,987 |
| Net charge-offs to loans | 1.3552% | 768 |
| Credit loss provision to net charge-offs | 80.9353% | 3,294 |
| Earnings coverage of net charge-offs (x) | 0.5156% | 4,813 |
| Efficiency ratio | 74.1453% | 3,051 |
| Assets per employee ($millions) | 12.2777% | 135 |
| Cash dividends to net income (ytd only)* | -978.4736% | 7,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3486% | 4,671 |
| Loan loss allowance to noncurrent loans | 31.4004% | 6,089 |
| Noncurrent assets plus other real estate owned to assets | 4.7395% | 1,017 |
| Noncurrent loans to loans | 4.2950% | 1,258 |
| Net loans and leases to total assets | 88.5960% | 69 |
| Net loans and leases to deposits | 128.7619% | 44 |
| Net loans and leases to core deposits | 170.3865% | 70 |
| Total domestic deposits to total assets | 68.8061% | 6,959 |
| Equity capital to assets | 12.0032% | 2,144 |
| Core capital (leverage) ratio | 11.6336% | 1,822 |
| Tier 1 risk-based capital ratio | 19.2870% | 1,902 |
| Total risk-based capital ratio | 20.4836% | 1,881 |
| Memoranda: | ||
| Average total assets | $990,623,000 | 674 |
| Average earning assets | $947,438,330 | 632 |
| Average equity | $121,798,670 | 590 |
| Average total loans | $861,546,000 | 477 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1782% | 5,182 |
| Cost of funding earning assets | 2.3761% | 15 |
| Net interest margin | 1.8021% | 7,202 |
| Noninterest income to average assets | 0.4583% | 4,237 |
| Noninterest expense to average assets | 1.6272% | 6,952 |
| Loan and lease loss provision to assets | 1.3107% | 282 |
| Net operating income to assets | -0.4655% | 6,807 |
| Return on assets (ROA) | -0.4691% | 6,837 |
| Pretax return on assets | -0.7618% | 6,920 |
| Return on Equity (ROE) | -3.7725% | 6,795 |
| Retained earnings to average equity (ytd only) | -3.7725% | 6,471 |
| Net charge-offs to loans | 1.6282% | 601 |
| Credit loss provision to net charge-offs | 94.0171% | 2,475 |
| Earnings coverage of net charge-offs (x) | 0.3977% | 4,158 |
| Efficiency ratio | 74.5858% | 3,009 |
| Assets per employee ($millions) | 12.7487% | 130 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4501% | 4,374 |
| Loan loss allowance to noncurrent loans | 30.4637% | 6,147 |
| Noncurrent assets plus other real estate owned to assets | 4.8596% | 1,086 |
| Noncurrent loans to loans | 4.7602% | 1,199 |
| Net loans and leases to total assets | 83.3044% | 205 |
| Net loans and leases to deposits | 125.3053% | 56 |
| Net loans and leases to core deposits | 177.7952% | 65 |
| Total domestic deposits to total assets | 66.4812% | 7,095 |
| Equity capital to assets | 12.2377% | 1,884 |
| Core capital (leverage) ratio | 11.8900% | 1,650 |
| Tier 1 risk-based capital ratio | 21.3354% | 1,413 |
| Total risk-based capital ratio | 22.5350% | 1,404 |
| Memoranda: | ||
| Average total assets | $1,007,105,000 | 663 |
| Average earning assets | $963,087,000 | 617 |
| Average equity | $125,223,000 | 573 |
| Average total loans | $862,295,500 | 476 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3581% | 5,577 |
| Cost of funding earning assets | 2.5706% | 21 |
| Net interest margin | 1.7875% | 7,260 |
| Noninterest income to average assets | 0.5101% | 3,779 |
| Noninterest expense to average assets | 1.4762% | 7,183 |
| Loan and lease loss provision to assets | 0.5518% | 1,890 |
| Net operating income to assets | 0.1209% | 5,814 |
| Return on assets (ROA) | 0.1212% | 5,936 |
| Pretax return on assets | 0.1877% | 5,819 |
| Return on Equity (ROE) | 1.0349% | 5,957 |
| Retained earnings to average equity (ytd only) | 1.0349% | 5,378 |
| Net charge-offs to loans | 1.1517% | 1,474 |
| Credit loss provision to net charge-offs | 56.8018% | 5,249 |
| Earnings coverage of net charge-offs (x) | 0.7607% | 5,231 |
| Efficiency ratio | 66.6399% | 4,633 |
| Assets per employee ($millions) | 11.9797% | 149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4739% | 4,128 |
| Loan loss allowance to noncurrent loans | 36.1527% | 5,829 |
| Noncurrent assets plus other real estate owned to assets | 4.4084% | 1,252 |
| Noncurrent loans to loans | 4.0769% | 1,528 |
| Net loans and leases to total assets | 85.4618% | 150 |
| Net loans and leases to deposits | 129.7438% | 54 |
| Net loans and leases to core deposits | 193.8684% | 64 |
| Total domestic deposits to total assets | 65.8696% | 7,134 |
| Equity capital to assets | 12.6353% | 1,719 |
| Core capital (leverage) ratio | 12.3095% | 1,430 |
| Tier 1 risk-based capital ratio | 21.0152% | 1,405 |
| Total risk-based capital ratio | 22.2685% | 1,385 |
| Memoranda: | ||
| Average total assets | $1,069,146,200 | 612 |
| Average earning assets | $1,019,875,600 | 575 |
| Average equity | $125,229,000 | 553 |
| Average total loans | $901,910,600 | 465 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3633% | 5,728 |
| Cost of funding earning assets | 2.6020% | 24 |
| Net interest margin | 1.7613% | 7,340 |
| Noninterest income to average assets | 0.4637% | 4,185 |
| Noninterest expense to average assets | 1.5020% | 7,223 |
| Loan and lease loss provision to assets | 0.4228% | 2,356 |
| Net operating income to assets | 0.1342% | 5,878 |
| Return on assets (ROA) | 0.1347% | 6,002 |
| Pretax return on assets | 0.2189% | 5,863 |
| Return on Equity (ROE) | 1.1710% | 6,032 |
| Retained earnings to average equity (ytd only) | 1.1710% | 5,543 |
| Net charge-offs to loans | 1.2627% | 1,231 |
| Credit loss provision to net charge-offs | 39.9537% | 5,246 |
| Earnings coverage of net charge-offs (x) | 0.6057% | 5,170 |
| Efficiency ratio | 70.0886% | 3,948 |
| Assets per employee ($millions) | 12.3351% | 143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3776% | 4,648 |
| Loan loss allowance to noncurrent loans | 32.5847% | 6,103 |
| Noncurrent assets plus other real estate owned to assets | 4.5102% | 1,330 |
| Noncurrent loans to loans | 4.2276% | 1,549 |
| Net loans and leases to total assets | 84.0031% | 226 |
| Net loans and leases to deposits | 126.6161% | 61 |
| Net loans and leases to core deposits | 192.1065% | 72 |
| Total domestic deposits to total assets | 66.3448% | 7,193 |
| Equity capital to assets | 12.2898% | 2,029 |
| Core capital (leverage) ratio | 11.6632% | 1,912 |
| Tier 1 risk-based capital ratio | 20.0557% | 1,671 |
| Total risk-based capital ratio | 21.3030% | 1,643 |
| Memoranda: | ||
| Average total assets | $1,087,855,000 | 607 |
| Average earning assets | $1,037,261,750 | 572 |
| Average equity | $125,127,750 | 559 |
| Average total loans | $911,771,250 | 462 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4085% | 5,658 |
| Cost of funding earning assets | 2.6341% | 24 |
| Net interest margin | 1.7744% | 7,410 |
| Noninterest income to average assets | 0.4591% | 4,205 |
| Noninterest expense to average assets | 1.5074% | 7,297 |
| Loan and lease loss provision to assets | 0.3877% | 2,474 |
| Net operating income to assets | 0.1574% | 5,861 |
| Return on assets (ROA) | 0.1581% | 5,960 |
| Pretax return on assets | 0.2569% | 5,788 |
| Return on Equity (ROE) | 1.4044% | 5,977 |
| Retained earnings to average equity (ytd only) | 1.4044% | 5,287 |
| Net charge-offs to loans | 1.0015% | 1,571 |
| Credit loss provision to net charge-offs | 46.4162% | 4,668 |
| Earnings coverage of net charge-offs (x) | 0.7705% | 4,724 |
| Efficiency ratio | 70.0813% | 4,110 |
| Assets per employee ($millions) | 12.1607% | 143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6608% | 3,450 |
| Loan loss allowance to noncurrent loans | 35.7457% | 5,924 |
| Noncurrent assets plus other real estate owned to assets | 4.8438% | 1,278 |
| Noncurrent loans to loans | 4.6460% | 1,419 |
| Net loans and leases to total assets | 83.3094% | 284 |
| Net loans and leases to deposits | 123.5947% | 77 |
| Net loans and leases to core deposits | 188.7330% | 78 |
| Total domestic deposits to total assets | 67.4053% | 7,219 |
| Equity capital to assets | 12.0033% | 2,084 |
| Core capital (leverage) ratio | 11.3933% | 1,984 |
| Tier 1 risk-based capital ratio | 19.6497% | 1,680 |
| Total risk-based capital ratio | 20.9061% | 1,653 |
| Memoranda: | ||
| Average total assets | $1,109,202,000 | 604 |
| Average earning assets | $1,057,598,330 | 567 |
| Average equity | $124,895,330 | 559 |
| Average total loans | $925,012,000 | 463 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3660% | 5,805 |
| Cost of funding earning assets | 2.6716% | 24 |
| Net interest margin | 1.6944% | 7,477 |
| Noninterest income to average assets | 0.3909% | 4,777 |
| Noninterest expense to average assets | 1.4771% | 7,375 |
| Loan and lease loss provision to assets | 0.2454% | 3,210 |
| Net operating income to assets | 0.1761% | 5,869 |
| Return on assets (ROA) | 0.1764% | 5,915 |
| Pretax return on assets | 0.2864% | 5,697 |
| Return on Equity (ROE) | 1.6151% | 5,935 |
| Retained earnings to average equity (ytd only) | 1.6151% | 5,143 |
| Net charge-offs to loans | 0.5133% | 2,197 |
| Credit loss provision to net charge-offs | 57.7558% | 3,586 |
| Earnings coverage of net charge-offs (x) | 1.2508% | 3,735 |
| Efficiency ratio | 73.5381% | 3,603 |
| Assets per employee ($millions) | 14.4459% | 104 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8027% | 3,002 |
| Loan loss allowance to noncurrent loans | 37.9212% | 5,773 |
| Noncurrent assets plus other real estate owned to assets | 4.4798% | 1,449 |
| Noncurrent loans to loans | 4.7539% | 1,447 |
| Net loans and leases to total assets | 81.7207% | 366 |
| Net loans and leases to deposits | 117.8873% | 102 |
| Net loans and leases to core deposits | 190.4472% | 83 |
| Total domestic deposits to total assets | 69.3210% | 7,216 |
| Equity capital to assets | 11.2133% | 2,495 |
| Core capital (leverage) ratio | 11.2459% | 2,007 |
| Tier 1 risk-based capital ratio | 19.6516% | 1,660 |
| Total risk-based capital ratio | 20.9106% | 1,634 |
| Memoranda: | ||
| Average total assets | $1,140,892,500 | 588 |
| Average earning assets | $1,089,243,500 | 552 |
| Average equity | $124,576,500 | 557 |
| Average total loans | $944,527,500 | 461 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9141% | 4,947 |
| Cost of funding earning assets | 2.9737% | 26 |
| Net interest margin | 1.9403% | 7,476 |
| Noninterest income to average assets | 0.3050% | 5,618 |
| Noninterest expense to average assets | 1.4337% | 7,468 |
| Loan and lease loss provision to assets | 0.6900% | 2,384 |
| Net operating income to assets | -0.0259% | 5,886 |
| Return on assets (ROA) | 0.1776% | 5,516 |
| Pretax return on assets | 0.3011% | 5,228 |
| Return on Equity (ROE) | 1.8699% | 5,437 |
| Retained earnings to average equity (ytd only) | 1.8699% | 4,554 |
| Net charge-offs to loans | 1.5473% | 1,418 |
| Credit loss provision to net charge-offs | 54.1964% | 6,193 |
| Earnings coverage of net charge-offs (x) | 0.5287% | 5,587 |
| Efficiency ratio | 68.0511% | 4,554 |
| Assets per employee ($millions) | 14.4376% | 103 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7852% | 2,914 |
| Loan loss allowance to noncurrent loans | 40.1832% | 5,622 |
| Noncurrent assets plus other real estate owned to assets | 4.1385% | 1,623 |
| Noncurrent loans to loans | 4.4427% | 1,601 |
| Net loans and leases to total assets | 80.9065% | 552 |
| Net loans and leases to deposits | 113.9727% | 175 |
| Net loans and leases to core deposits | 194.9300% | 87 |
| Total domestic deposits to total assets | 70.9877% | 7,172 |
| Equity capital to assets | 10.6395% | 3,031 |
| Core capital (leverage) ratio | 10.6568% | 2,407 |
| Tier 1 risk-based capital ratio | 18.7779% | 1,772 |
| Total risk-based capital ratio | 20.0356% | 1,738 |
| Memoranda: | ||
| Average total assets | $1,297,155,800 | 521 |
| Average earning assets | $1,204,544,400 | 504 |
| Average equity | $123,213,600 | 553 |
| Average total loans | $1,067,295,200 | 422 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9942% | 4,845 |
| Cost of funding earning assets | 3.0047% | 30 |
| Net interest margin | 1.9895% | 7,584 |
| Noninterest income to average assets | 0.3048% | 5,715 |
| Noninterest expense to average assets | 1.3636% | 7,608 |
| Loan and lease loss provision to assets | 0.7674% | 1,992 |
| Net operating income to assets | -0.0011% | 6,005 |
| Return on assets (ROA) | 0.1853% | 5,710 |
| Pretax return on assets | 0.3016% | 5,505 |
| Return on Equity (ROE) | 2.0036% | 5,606 |
| Retained earnings to average equity (ytd only) | 2.0036% | 4,955 |
| Net charge-offs to loans | 1.6913% | 1,163 |
| Credit loss provision to net charge-offs | 55.1630% | 5,799 |
| Earnings coverage of net charge-offs (x) | 0.5591% | 5,459 |
| Efficiency ratio | 63.6794% | 5,303 |
| Assets per employee ($millions) | 15.5091% | 91 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8467% | 2,638 |
| Loan loss allowance to noncurrent loans | 43.0408% | 5,421 |
| Noncurrent assets plus other real estate owned to assets | 3.7747% | 1,886 |
| Noncurrent loans to loans | 4.2906% | 1,698 |
| Net loans and leases to total assets | 77.5065% | 1,125 |
| Net loans and leases to deposits | 106.5346% | 338 |
| Net loans and leases to core deposits | 200.7495% | 90 |
| Total domestic deposits to total assets | 72.7524% | 7,058 |
| Equity capital to assets | 9.7598% | 4,463 |
| Core capital (leverage) ratio | 9.7653% | 3,530 |
| Tier 1 risk-based capital ratio | 17.9041% | 2,049 |
| Total risk-based capital ratio | 19.1620% | 2,014 |
| Memoranda: | ||
| Average total assets | $1,329,083,000 | 503 |
| Average earning assets | $1,226,928,250 | 491 |
| Average equity | $122,911,250 | 547 |
| Average total loans | $1,093,279,750 | 418 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0756% | 4,586 |
| Cost of funding earning assets | 3.0763% | 32 |
| Net interest margin | 1.9993% | 7,646 |
| Noninterest income to average assets | 0.3129% | 5,663 |
| Noninterest expense to average assets | 1.2268% | 7,729 |
| Loan and lease loss provision to assets | 0.7566% | 1,899 |
| Net operating income to assets | 0.0892% | 5,896 |
| Return on assets (ROA) | 0.2150% | 5,640 |
| Pretax return on assets | 0.3492% | 5,372 |
| Return on Equity (ROE) | 2.3656% | 5,517 |
| Retained earnings to average equity (ytd only) | 2.3656% | 4,654 |
| Net charge-offs to loans | 2.1397% | 841 |
| Credit loss provision to net charge-offs | 42.4505% | 5,565 |
| Earnings coverage of net charge-offs (x) | 0.5102% | 5,217 |
| Efficiency ratio | 57.4345% | 6,462 |
| Assets per employee ($millions) | 16.2261% | 83 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6594% | 3,225 |
| Loan loss allowance to noncurrent loans | 41.4975% | 5,567 |
| Noncurrent assets plus other real estate owned to assets | 3.6074% | 1,946 |
| Noncurrent loans to loans | 3.9988% | 1,894 |
| Net loans and leases to total assets | 80.4685% | 731 |
| Net loans and leases to deposits | 111.2961% | 247 |
| Net loans and leases to core deposits | 219.6795% | 78 |
| Total domestic deposits to total assets | 72.3013% | 7,157 |
| Equity capital to assets | 9.3921% | 4,871 |
| Core capital (leverage) ratio | 9.4151% | 3,940 |
| Tier 1 risk-based capital ratio | 15.8704% | 2,729 |
| Total risk-based capital ratio | 17.1270% | 2,693 |
| Memoranda: | ||
| Average total assets | $1,348,196,330 | 491 |
| Average earning assets | $1,229,406,330 | 486 |
| Average equity | $122,508,330 | 546 |
| Average total loans | $1,122,963,330 | 406 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1770% | 4,151 |
| Cost of funding earning assets | 3.2129% | 31 |
| Net interest margin | 1.9641% | 7,732 |
| Noninterest income to average assets | 0.5424% | 3,706 |
| Noninterest expense to average assets | 1.1536% | 7,844 |
| Loan and lease loss provision to assets | 0.7472% | 1,703 |
| Net operating income to assets | 0.2411% | 5,539 |
| Return on assets (ROA) | 0.2411% | 5,654 |
| Pretax return on assets | 0.3918% | 5,323 |
| Return on Equity (ROE) | 2.6974% | 5,480 |
| Retained earnings to average equity (ytd only) | 2.6974% | 4,520 |
| Net charge-offs to loans | 1.5645% | 1,110 |
| Credit loss provision to net charge-offs | 56.8562% | 4,363 |
| Earnings coverage of net charge-offs (x) | 0.8667% | 4,271 |
| Efficiency ratio | 50.3195% | 7,293 |
| Assets per employee ($millions) | 16.5800% | 91 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0474% | 2,069 |
| Loan loss allowance to noncurrent loans | 45.1274% | 5,341 |
| Noncurrent assets plus other real estate owned to assets | 4.1919% | 1,623 |
| Noncurrent loans to loans | 4.5370% | 1,646 |
| Net loans and leases to total assets | 81.3115% | 671 |
| Net loans and leases to deposits | 118.3980% | 160 |
| Net loans and leases to core deposits | 257.9373% | 66 |
| Total domestic deposits to total assets | 68.6764% | 7,489 |
| Equity capital to assets | 9.1341% | 5,086 |
| Core capital (leverage) ratio | 9.1660% | 4,275 |
| Tier 1 risk-based capital ratio | 15.0501% | 3,098 |
| Total risk-based capital ratio | 16.3068% | 3,046 |
| Memoranda: | ||
| Average total assets | $1,365,135,500 | 503 |
| Average earning assets | $1,216,458,000 | 513 |
| Average equity | $122,041,500 | 550 |
| Average total loans | $1,146,716,000 | 418 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2693% | 5,325 |
| Cost of funding earning assets | 3.4824% | 46 |
| Net interest margin | 1.7869% | 7,808 |
| Noninterest income to average assets | 0.1069% | 7,229 |
| Noninterest expense to average assets | 1.2038% | 7,907 |
| Loan and lease loss provision to assets | 2.6319% | 738 |
| Net operating income to assets | -1.2823% | 6,754 |
| Return on assets (ROA) | -1.1163% | 6,664 |
| Pretax return on assets | -1.8114% | 6,863 |
| Return on Equity (ROE) | -14.4781% | 6,907 |
| Retained earnings to average equity (ytd only) | -14.4781% | 6,851 |
| Net charge-offs to loans | 2.5363% | 908 |
| Credit loss provision to net charge-offs | 116.4158% | 4,661 |
| Earnings coverage of net charge-offs (x) | 0.2482% | 5,870 |
| Efficiency ratio | 68.2051% | 4,973 |
| Assets per employee ($millions) | 16.7143% | 96 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1009% | 1,823 |
| Loan loss allowance to noncurrent loans | 42.9200% | 5,542 |
| Noncurrent assets plus other real estate owned to assets | 6.5845% | 818 |
| Noncurrent loans to loans | 4.8948% | 1,393 |
| Net loans and leases to total assets | 83.1728% | 526 |
| Net loans and leases to deposits | 119.9974% | 176 |
| Net loans and leases to core deposits | 146.7317% | 593 |
| Total domestic deposits to total assets | 69.3122% | 7,473 |
| Equity capital to assets | 8.7519% | 5,514 |
| Core capital (leverage) ratio | 8.8097% | 4,757 |
| Tier 1 risk-based capital ratio | 13.8003% | 3,631 |
| Total risk-based capital ratio | 15.0515% | 3,568 |
| Memoranda: | ||
| Average total assets | $1,448,572,400 | 470 |
| Average earning assets | $1,344,175,600 | 460 |
| Average equity | $111,685,600 | 587 |
| Average total loans | $1,291,227,000 | 381 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2895% | 5,486 |
| Cost of funding earning assets | 3.5114% | 66 |
| Net interest margin | 1.7780% | 7,890 |
| Noninterest income to average assets | 0.1751% | 6,961 |
| Noninterest expense to average assets | 1.2624% | 7,978 |
| Loan and lease loss provision to assets | 1.9696% | 923 |
| Net operating income to assets | -0.8622% | 6,736 |
| Return on assets (ROA) | -0.6910% | 6,607 |
| Pretax return on assets | -1.1277% | 6,780 |
| Return on Equity (ROE) | -9.2590% | 6,831 |
| Retained earnings to average equity (ytd only) | -9.2590% | 6,729 |
| Net charge-offs to loans | 2.4458% | 751 |
| Credit loss provision to net charge-offs | 89.3484% | 5,499 |
| Earnings coverage of net charge-offs (x) | 0.2606% | 5,755 |
| Efficiency ratio | 68.7261% | 4,837 |
| Assets per employee ($millions) | 16.6189% | 94 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3808% | 4,052 |
| Loan loss allowance to noncurrent loans | 37.8003% | 5,856 |
| Noncurrent assets plus other real estate owned to assets | 5.5306% | 1,032 |
| Noncurrent loans to loans | 3.6530% | 2,047 |
| Net loans and leases to total assets | 85.9809% | 345 |
| Net loans and leases to deposits | 122.6763% | 162 |
| Net loans and leases to core deposits | 146.0093% | 685 |
| Total domestic deposits to total assets | 70.0876% | 7,410 |
| Equity capital to assets | 7.4972% | 7,298 |
| Core capital (leverage) ratio | 7.5882% | 6,877 |
| Tier 1 risk-based capital ratio | 12.4893% | 4,548 |
| Total risk-based capital ratio | 13.7423% | 4,503 |
| Memoranda: | ||
| Average total assets | $1,463,893,000 | 482 |
| Average earning assets | $1,368,146,750 | 469 |
| Average equity | $109,253,500 | 607 |
| Average total loans | $1,319,381,500 | 387 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2741% | 5,775 |
| Cost of funding earning assets | 3.4672% | 123 |
| Net interest margin | 1.8069% | 7,939 |
| Noninterest income to average assets | 0.1274% | 7,336 |
| Noninterest expense to average assets | 1.2698% | 8,063 |
| Loan and lease loss provision to assets | 0.7568% | 2,171 |
| Net operating income to assets | -0.1263% | 6,059 |
| Return on assets (ROA) | 0.0205% | 5,861 |
| Pretax return on assets | 0.0324% | 5,811 |
| Return on Equity (ROE) | 0.2744% | 5,844 |
| Retained earnings to average equity (ytd only) | 0.2744% | 5,106 |
| Net charge-offs to loans | 0.6796% | 2,341 |
| Credit loss provision to net charge-offs | 122.3092% | 3,802 |
| Earnings coverage of net charge-offs (x) | 0.9050% | 4,853 |
| Efficiency ratio | 69.3971% | 4,903 |
| Assets per employee ($millions) | 16.4630% | 95 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5634% | 2,896 |
| Loan loss allowance to noncurrent loans | 27.5053% | 6,666 |
| Noncurrent assets plus other real estate owned to assets | 6.5639% | 688 |
| Noncurrent loans to loans | 5.6841% | 999 |
| Net loans and leases to total assets | 88.7019% | 204 |
| Net loans and leases to deposits | 125.3877% | 157 |
| Net loans and leases to core deposits | 144.6003% | 815 |
| Total domestic deposits to total assets | 70.7422% | 7,402 |
| Equity capital to assets | 7.6978% | 7,078 |
| Core capital (leverage) ratio | 7.8382% | 6,567 |
| Tier 1 risk-based capital ratio | 12.8483% | 4,242 |
| Total risk-based capital ratio | 14.1113% | 4,154 |
| Memoranda: | ||
| Average total assets | $1,486,529,330 | 484 |
| Average earning assets | $1,400,500,000 | 470 |
| Average equity | $110,784,670 | 609 |
| Average total loans | $1,353,480,000 | 390 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2798% | 5,981 |
| Cost of funding earning assets | 3.4052% | 197 |
| Net interest margin | 1.8746% | 7,950 |
| Noninterest income to average assets | 0.1212% | 7,416 |
| Noninterest expense to average assets | 1.0753% | 8,155 |
| Loan and lease loss provision to assets | 0.8968% | 1,460 |
| Net operating income to assets | -0.0397% | 6,316 |
| Return on assets (ROA) | 0.0324% | 6,332 |
| Pretax return on assets | 0.0526% | 6,274 |
| Return on Equity (ROE) | 0.4420% | 6,294 |
| Retained earnings to average equity (ytd only) | 0.4420% | 5,482 |
| Net charge-offs to loans | 0.8604% | 1,518 |
| Credit loss provision to net charge-offs | 113.9048% | 3,411 |
| Earnings coverage of net charge-offs (x) | 1.0628% | 4,229 |
| Efficiency ratio | 56.2396% | 6,941 |
| Assets per employee ($millions) | 17.0657% | 99 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4662% | 3,161 |
| Loan loss allowance to noncurrent loans | 29.6245% | 6,573 |
| Noncurrent assets plus other real estate owned to assets | 5.7002% | 728 |
| Noncurrent loans to loans | 4.9491% | 1,102 |
| Net loans and leases to total assets | 89.6067% | 156 |
| Net loans and leases to deposits | 134.0875% | 120 |
| Net loans and leases to core deposits | 152.8791% | 622 |
| Total domestic deposits to total assets | 66.8270% | 7,679 |
| Equity capital to assets | 7.4241% | 7,411 |
| Core capital (leverage) ratio | 7.6363% | 6,978 |
| Tier 1 risk-based capital ratio | 12.5738% | 4,494 |
| Total risk-based capital ratio | 13.8354% | 4,408 |
| Memoranda: | ||
| Average total assets | $1,505,422,500 | 484 |
| Average earning assets | $1,438,158,000 | 465 |
| Average equity | $110,416,000 | 609 |
| Average total loans | $1,377,483,500 | 387 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8309% | 6,332 |
| Cost of funding earning assets | 3.8542% | 165 |
| Net interest margin | 1.9767% | 8,075 |
| Noninterest income to average assets | 0.0681% | 7,810 |
| Noninterest expense to average assets | 0.8974% | 8,221 |
| Loan and lease loss provision to assets | 1.7216% | 750 |
| Net operating income to assets | -0.3914% | 6,814 |
| Return on assets (ROA) | -0.3518% | 6,650 |
| Pretax return on assets | -0.5756% | 6,715 |
| Return on Equity (ROE) | -4.5625% | 6,816 |
| Retained earnings to average equity (ytd only) | -4.5625% | 6,427 |
| Net charge-offs to loans | 0.8249% | 1,519 |
| Credit loss provision to net charge-offs | 222.5302% | 2,143 |
| Earnings coverage of net charge-offs (x) | 1.4013% | 5,424 |
| Efficiency ratio | 45.2885% | 7,962 |
| Assets per employee ($millions) | 18.6113% | 86 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3799% | 3,308 |
| Loan loss allowance to noncurrent loans | 36.5128% | 6,295 |
| Noncurrent assets plus other real estate owned to assets | 4.5972% | 806 |
| Noncurrent loans to loans | 3.7793% | 1,318 |
| Net loans and leases to total assets | 90.7775% | 144 |
| Net loans and leases to deposits | 134.8346% | 154 |
| Net loans and leases to core deposits | 150.7853% | 826 |
| Total domestic deposits to total assets | 67.3251% | 7,536 |
| Equity capital to assets | 7.2474% | 7,592 |
| Core capital (leverage) ratio | 7.4259% | 7,287 |
| Tier 1 risk-based capital ratio | 12.1408% | 4,709 |
| Total risk-based capital ratio | 13.3908% | 4,599 |
| Memoranda: | ||
| Average total assets | $1,538,683,600 | 456 |
| Average earning assets | $1,489,403,200 | 429 |
| Average equity | $118,641,200 | 577 |
| Average total loans | $1,443,040,200 | 361 |