Home > American Eagle Savings Bank > Performance and Condition Ratios
American Eagle Savings Bank, Performance and Condition Ratios
| 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 | 4.0446% | 6,375 |
| Cost of funding earning assets | 0.9832% | 3,488 |
| Net interest margin | 3.0613% | 6,425 |
| Noninterest income to average assets | 0.0822% | 6,709 |
| Noninterest expense to average assets | 4.8226% | 446 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | -1.9542% | 7,021 |
| Return on assets (ROA) | -2.4863% | 7,121 |
| Pretax return on assets | -2.4863% | 7,120 |
| Return on Equity (ROE) | -190.6528% | 7,345 |
| Retained earnings to average equity (ytd only) | -190.6528% | 7,345 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 168.1282% | 98 |
| Assets per employee ($millions) | 6.4197% | 998 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3024% | 7,218 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 51.3474% | 5,412 |
| Net loans and leases to deposits | 56.3540% | 5,857 |
| Net loans and leases to core deposits | 56.3540% | 6,135 |
| Total domestic deposits to total assets | 91.1158% | 460 |
| Equity capital to assets | -0.0467% | 7,353 |
| Core capital (leverage) ratio | 1.3365% | 7,341 |
| Tier 1 risk-based capital ratio | 2.7716% | 7,323 |
| Total risk-based capital ratio | 3.0902% | 7,340 |
| Memoranda: | ||
| Average total assets | $20,673,400 | 7,195 |
| Average earning assets | $18,815,400 | 7,167 |
| Average equity | $269,600 | 7,357 |
| Average total loans | $10,882,400 | 7,086 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0566% | 6,494 |
| Cost of funding earning assets | 0.9967% | 3,696 |
| Net interest margin | 3.0599% | 6,473 |
| Noninterest income to average assets | 0.0571% | 6,929 |
| Noninterest expense to average assets | 4.6986% | 480 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | -1.8579% | 7,112 |
| Return on assets (ROA) | -2.5554% | 7,226 |
| Pretax return on assets | -2.5554% | 7,214 |
| Return on Equity (ROE) | -158.3847% | 7,417 |
| Retained earnings to average equity (ytd only) | -158.3847% | 7,417 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 165.4018% | 100 |
| Assets per employee ($millions) | 6.5367% | 928 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2798% | 7,297 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 52.7129% | 5,357 |
| Net loans and leases to deposits | 58.2859% | 5,816 |
| Net loans and leases to core deposits | 58.2859% | 6,106 |
| Total domestic deposits to total assets | 90.4386% | 665 |
| Equity capital to assets | 0.6935% | 7,429 |
| Core capital (leverage) ratio | 1.8744% | 7,408 |
| Tier 1 risk-based capital ratio | 3.8378% | 7,366 |
| Total risk-based capital ratio | 4.1370% | 7,398 |
| Memoranda: | ||
| Average total assets | $21,027,000 | 7,251 |
| Average earning assets | $19,129,000 | 7,231 |
| Average equity | $339,250 | 7,434 |
| Average total loans | $11,123,250 | 7,142 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0478% | 6,580 |
| Cost of funding earning assets | 1.0119% | 3,877 |
| Net interest margin | 3.0358% | 6,536 |
| Noninterest income to average assets | 0.0558% | 7,025 |
| Noninterest expense to average assets | 4.7536% | 457 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | -1.9349% | 7,184 |
| Return on assets (ROA) | -2.7350% | 7,290 |
| Pretax return on assets | -2.7350% | 7,278 |
| Return on Equity (ROE) | -144.4717% | 7,468 |
| Retained earnings to average equity (ytd only) | -144.4717% | 7,468 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 168.6469% | 101 |
| Assets per employee ($millions) | 6.9923% | 725 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2661% | 7,367 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 51.8139% | 5,595 |
| Net loans and leases to deposits | 57.4016% | 6,012 |
| Net loans and leases to core deposits | 57.4016% | 6,313 |
| Total domestic deposits to total assets | 90.2655% | 832 |
| Equity capital to assets | 1.4111% | 7,490 |
| Core capital (leverage) ratio | 2.2776% | 7,464 |
| Tier 1 risk-based capital ratio | 4.8394% | 7,405 |
| Total risk-based capital ratio | 5.1305% | 7,437 |
| Memoranda: | ||
| Average total assets | $21,499,330 | 7,312 |
| Average earning assets | $19,566,330 | 7,294 |
| Average equity | $407,000 | 7,510 |
| Average total loans | $11,375,670 | 7,204 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0879% | 6,522 |
| Cost of funding earning assets | 1.0523% | 3,838 |
| Net interest margin | 3.0356% | 6,500 |
| Noninterest income to average assets | 0.0551% | 7,117 |
| Noninterest expense to average assets | 4.7242% | 466 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -1.9117% | 7,268 |
| Return on assets (ROA) | -2.6838% | 7,370 |
| Pretax return on assets | -2.6838% | 7,350 |
| Return on Equity (ROE) | -126.2703% | 7,510 |
| Retained earnings to average equity (ytd only) | -126.2703% | 7,505 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 167.9739% | 99 |
| Assets per employee ($millions) | 4.2888% | 3,267 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2646% | 7,422 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 52.7327% | 5,494 |
| Net loans and leases to deposits | 59.1330% | 5,808 |
| Net loans and leases to core deposits | 59.1330% | 6,172 |
| Total domestic deposits to total assets | 89.1765% | 1,659 |
| Equity capital to assets | 1.8980% | 7,539 |
| Core capital (leverage) ratio | 2.9076% | 7,485 |
| Tier 1 risk-based capital ratio | 5.8247% | 7,430 |
| Total risk-based capital ratio | 6.1021% | 7,464 |
| Memoranda: | ||
| Average total assets | $21,760,500 | 7,364 |
| Average earning assets | $19,765,500 | 7,348 |
| Average equity | $462,500 | 7,566 |
| Average total loans | $11,614,500 | 7,247 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5939% | 6,130 |
| Cost of funding earning assets | 1.3752% | 3,426 |
| Net interest margin | 3.2187% | 6,227 |
| Noninterest income to average assets | 0.0632% | 7,051 |
| Noninterest expense to average assets | 4.8415% | 478 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | -1.8635% | 7,017 |
| Return on assets (ROA) | -2.6622% | 7,237 |
| Pretax return on assets | -2.6622% | 7,216 |
| Return on Equity (ROE) | -70.7774% | 7,523 |
| Retained earnings to average equity (ytd only) | -70.7774% | 7,522 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 162.5758% | 157 |
| Assets per employee ($millions) | 4.4154% | 2,996 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2523% | 7,504 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 53.7256% | 5,670 |
| Net loans and leases to deposits | 61.2181% | 5,932 |
| Net loans and leases to core deposits | 61.2181% | 6,299 |
| Total domestic deposits to total assets | 87.7610% | 2,388 |
| Equity capital to assets | 2.3463% | 7,599 |
| Core capital (leverage) ratio | 3.4744% | 7,533 |
| Tier 1 risk-based capital ratio | 6.8697% | 7,435 |
| Total risk-based capital ratio | 7.1353% | 7,488 |
| Memoranda: | ||
| Average total assets | $22,162,400 | 7,416 |
| Average earning assets | $20,070,200 | 7,402 |
| Average equity | $833,600 | 7,646 |
| Average total loans | $12,405,800 | 7,279 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6898% | 6,063 |
| Cost of funding earning assets | 1.4681% | 3,158 |
| Net interest margin | 3.2217% | 6,269 |
| Noninterest income to average assets | 0.0661% | 7,200 |
| Noninterest expense to average assets | 4.2613% | 767 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | -1.2802% | 7,019 |
| Return on assets (ROA) | -2.1998% | 7,299 |
| Pretax return on assets | -2.1998% | 7,251 |
| Return on Equity (ROE) | -53.4784% | 7,579 |
| Retained earnings to average equity (ytd only) | -53.4784% | 7,577 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 142.9435% | 235 |
| Assets per employee ($millions) | 4.2550% | 3,344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2685% | 7,607 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 57.6122% | 5,317 |
| Net loans and leases to deposits | 66.2183% | 5,641 |
| Net loans and leases to core deposits | 66.2183% | 6,103 |
| Total domestic deposits to total assets | 87.0035% | 2,530 |
| Equity capital to assets | 3.1163% | 7,690 |
| Core capital (leverage) ratio | 4.6359% | 7,584 |
| Tier 1 risk-based capital ratio | 8.4067% | 7,442 |
| Total risk-based capital ratio | 8.6836% | 7,523 |
| Memoranda: | ||
| Average total assets | $22,183,750 | 7,509 |
| Average earning assets | $20,071,500 | 7,492 |
| Average equity | $912,500 | 7,742 |
| Average total loans | $12,534,500 | 7,372 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7253% | 6,058 |
| Cost of funding earning assets | 1.5423% | 2,999 |
| Net interest margin | 3.1829% | 6,372 |
| Noninterest income to average assets | 0.0623% | 7,272 |
| Noninterest expense to average assets | 4.0735% | 952 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | -1.1296% | 7,000 |
| Return on assets (ROA) | -2.1791% | 7,358 |
| Pretax return on assets | -2.1791% | 7,288 |
| Return on Equity (ROE) | -49.2131% | 7,604 |
| Retained earnings to average equity (ytd only) | -49.2131% | 7,599 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 138.3686% | 259 |
| Assets per employee ($millions) | 4.4596% | 2,944 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2675% | 7,676 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 55.1709% | 5,822 |
| Net loans and leases to deposits | 63.7112% | 6,062 |
| Net loans and leases to core deposits | 63.7112% | 6,423 |
| Total domestic deposits to total assets | 86.5952% | 2,755 |
| Equity capital to assets | 3.9241% | 7,701 |
| Core capital (leverage) ratio | 4.9809% | 7,606 |
| Tier 1 risk-based capital ratio | 8.8078% | 7,446 |
| Total risk-based capital ratio | 9.0667% | 7,545 |
| Memoranda: | ||
| Average total assets | $22,486,670 | 7,567 |
| Average earning assets | $20,358,670 | 7,548 |
| Average equity | $995,670 | 7,801 |
| Average total loans | $12,616,000 | 7,422 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8185% | 5,822 |
| Cost of funding earning assets | 1.6649% | 2,566 |
| Net interest margin | 3.1535% | 6,442 |
| Noninterest income to average assets | 0.0709% | 7,356 |
| Noninterest expense to average assets | 4.1274% | 874 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | -1.2046% | 7,217 |
| Return on assets (ROA) | -0.9388% | 7,098 |
| Pretax return on assets | -0.9388% | 7,020 |
| Return on Equity (ROE) | -20.0758% | 7,437 |
| Retained earnings to average equity (ytd only) | -20.0758% | 7,372 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 141.2121% | 250 |
| Assets per employee ($millions) | 4.3816% | 3,156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2602% | 7,783 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 57.7323% | 5,490 |
| Net loans and leases to deposits | 67.4344% | 5,655 |
| Net loans and leases to core deposits | 67.4344% | 6,160 |
| Total domestic deposits to total assets | 85.6126% | 3,358 |
| Equity capital to assets | 4.6741% | 7,746 |
| Core capital (leverage) ratio | 5.7879% | 7,612 |
| Tier 1 risk-based capital ratio | 12.1026% | 5,086 |
| Total risk-based capital ratio | 12.4139% | 5,958 |
| Memoranda: | ||
| Average total assets | $22,581,000 | 7,662 |
| Average earning assets | $20,421,500 | 7,637 |
| Average equity | $1,056,000 | 7,882 |
| Average total loans | $12,756,500 | 7,510 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3835% | 4,770 |
| Cost of funding earning assets | 1.9115% | 3,402 |
| Net interest margin | 3.4721% | 5,078 |
| Noninterest income to average assets | 0.0633% | 7,437 |
| Noninterest expense to average assets | 3.2514% | 3,186 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.0186% | 5,433 |
| Return on assets (ROA) | -2.1788% | 7,154 |
| Pretax return on assets | -2.1788% | 7,007 |
| Return on Equity (ROE) | -37.8200% | 7,534 |
| Retained earnings to average equity (ytd only) | -37.8200% | 7,523 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.4305% | 1,133 |
| Assets per employee ($millions) | 5.8135% | 1,374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2572% | 7,853 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 55.0400% | 6,080 |
| Net loans and leases to deposits | 71.3434% | 5,425 |
| Net loans and leases to core deposits | 74.5385% | 6,503 |
| Total domestic deposits to total assets | 77.1480% | 6,430 |
| Equity capital to assets | 4.6788% | 7,811 |
| Core capital (leverage) ratio | 5.8089% | 7,668 |
| Tier 1 risk-based capital ratio | 8.9457% | 7,490 |
| Total risk-based capital ratio | 9.1617% | 7,675 |
| Memoranda: | ||
| Average total assets | $26,849,600 | 7,593 |
| Average earning assets | $24,797,800 | 7,551 |
| Average equity | $1,546,800 | 7,921 |
| Average total loans | $13,397,800 | 7,524 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6378% | 3,650 |
| Cost of funding earning assets | 1.9535% | 3,604 |
| Net interest margin | 3.6843% | 4,141 |
| Noninterest income to average assets | 0.0817% | 7,496 |
| Noninterest expense to average assets | 3.0800% | 3,723 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.4180% | 4,325 |
| Return on assets (ROA) | -2.5322% | 7,473 |
| Pretax return on assets | -2.5322% | 7,356 |
| Return on Equity (ROE) | -42.2901% | 7,774 |
| Retained earnings to average equity (ytd only) | -42.2901% | 7,769 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.0495% | 1,868 |
| Assets per employee ($millions) | 5.8015% | 1,348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2545% | 7,936 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 57.4248% | 5,975 |
| Net loans and leases to deposits | 75.1777% | 5,185 |
| Net loans and leases to core deposits | 78.5870% | 6,446 |
| Total domestic deposits to total assets | 76.3854% | 6,500 |
| Equity capital to assets | 4.3566% | 7,984 |
| Core capital (leverage) ratio | 6.0370% | 7,794 |
| Tier 1 risk-based capital ratio | 9.8733% | 7,073 |
| Total risk-based capital ratio | 10.1087% | 7,689 |
| Memoranda: | ||
| Average total assets | $27,748,500 | 7,621 |
| Average earning assets | $25,730,500 | 7,580 |
| Average equity | $1,661,500 | 7,985 |
| Average total loans | $13,539,250 | 7,597 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4473% | 4,910 |
| Cost of funding earning assets | 1.9381% | 4,073 |
| Net interest margin | 3.5092% | 4,760 |
| Noninterest income to average assets | 0.1025% | 7,467 |
| Noninterest expense to average assets | 2.8706% | 4,633 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.4989% | 4,095 |
| Return on assets (ROA) | 0.4989% | 4,219 |
| Pretax return on assets | 0.4989% | 4,619 |
| Return on Equity (ROE) | 7.7729% | 2,863 |
| Retained earnings to average equity (ytd only) | 7.7729% | 1,284 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.1927% | 2,335 |
| Assets per employee ($millions) | 7.1653% | 716 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2486% | 8,029 |
| Loan loss allowance to noncurrent loans | 89.4737% | 3,190 |
| Noncurrent assets plus other real estate owned to assets | 0.1326% | 7,226 |
| Noncurrent loans to loans | 0.2778% | 6,828 |
| Net loans and leases to total assets | 47.6082% | 7,068 |
| Net loans and leases to deposits | 76.9730% | 5,031 |
| Net loans and leases to core deposits | 80.2081% | 6,390 |
| Total domestic deposits to total assets | 61.8506% | 7,897 |
| Equity capital to assets | 6.6362% | 7,772 |
| Core capital (leverage) ratio | 7.0352% | 7,509 |
| Tier 1 risk-based capital ratio | 9.0681% | 7,662 |
| Total risk-based capital ratio | 9.2204% | 7,935 |
| Memoranda: | ||
| Average total assets | $29,262,670 | 7,632 |
| Average earning assets | $27,242,670 | 7,587 |
| Average equity | $1,878,330 | 8,027 |
| Average total loans | $13,599,000 | 7,675 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5970% | 4,372 |
| Cost of funding earning assets | 2.0498% | 3,880 |
| Net interest margin | 3.5472% | 4,533 |
| Noninterest income to average assets | 0.0271% | 7,945 |
| Noninterest expense to average assets | 2.8008% | 4,558 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.5277% | 4,303 |
| Return on assets (ROA) | 0.5277% | 4,489 |
| Pretax return on assets | 0.5277% | 4,991 |
| Return on Equity (ROE) | 8.3579% | 2,984 |
| Retained earnings to average equity (ytd only) | 8.3579% | 1,677 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1463% | 2,287 |
| Assets per employee ($millions) | 7.2690% | 685 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2524% | 8,069 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 46.2134% | 7,174 |
| Net loans and leases to deposits | 77.5092% | 5,003 |
| Net loans and leases to core deposits | 85.0013% | 5,979 |
| Total domestic deposits to total assets | 59.6231% | 7,974 |
| Equity capital to assets | 6.3454% | 7,920 |
| Core capital (leverage) ratio | 6.8389% | 7,740 |
| Tier 1 risk-based capital ratio | 16.9392% | 2,361 |
| Total risk-based capital ratio | 17.2274% | 2,636 |
| Memoranda: | ||
| Average total assets | $29,563,500 | 7,665 |
| Average earning assets | $27,514,500 | 7,628 |
| Average equity | $1,866,500 | 8,077 |
| Average total loans | $13,559,000 | 7,723 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4836% | 7,339 |
| Cost of funding earning assets | 2.5572% | 3,915 |
| Net interest margin | 2.9264% | 7,090 |
| Noninterest income to average assets | 0.0727% | 7,778 |
| Noninterest expense to average assets | 3.2868% | 3,010 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | -0.4835% | 6,912 |
| Return on assets (ROA) | -3.0434% | 7,806 |
| Pretax return on assets | -3.0434% | 7,716 |
| Return on Equity (ROE) | -42.4229% | 8,098 |
| Retained earnings to average equity (ytd only) | -42.4229% | 8,071 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 117.2492% | 606 |
| Assets per employee ($millions) | 5.0085% | 1,935 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2565% | 8,120 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 45.2963% | 7,388 |
| Net loans and leases to deposits | 78.2704% | 5,298 |
| Net loans and leases to core deposits | 85.7611% | 6,150 |
| Total domestic deposits to total assets | 57.8716% | 8,017 |
| Equity capital to assets | 6.2827% | 7,999 |
| Core capital (leverage) ratio | 6.5067% | 7,934 |
| Tier 1 risk-based capital ratio | 14.3055% | 3,392 |
| Total risk-based capital ratio | 14.5610% | 3,833 |
| Memoranda: | ||
| Average total assets | $31,642,000 | 7,583 |
| Average earning assets | $29,524,400 | 7,541 |
| Average equity | $2,270,000 | 8,056 |
| Average total loans | $13,889,200 | 7,710 |