Home > FamilyFirst Bank > Performance and Condition Ratios
FamilyFirst Bank, Performance and Condition Ratios
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2652% | 2,654 |
| Cost of funding earning assets | 1.0337% | 237 |
| Net interest margin | 3.2315% | 4,812 |
| Noninterest income to average assets | 1.0511% | 1,012 |
| Noninterest expense to average assets | 4.7300% | 375 |
| Loan and lease loss provision to assets | 0.0941% | 2,349 |
| Net operating income to assets | -1.4512% | 6,627 |
| Return on assets (ROA) | -1.3962% | 6,618 |
| Pretax return on assets | -0.9962% | 6,560 |
| Return on Equity (ROE) | -20.1215% | 6,630 |
| Retained earnings to average equity (ytd only) | -20.1215% | 6,534 |
| Net charge-offs to loans | -0.0773% | 6,006 |
| Credit loss provision to net charge-offs | -200.0000% | 4,964 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 125.3638% | 149 |
| Assets per employee ($millions) | 3.0215% | 5,825 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7978% | 6,109 |
| Loan loss allowance to noncurrent loans | 34.5557% | 5,734 |
| Noncurrent assets plus other real estate owned to assets | 1.3803% | 2,564 |
| Noncurrent loans to loans | 2.3088% | 1,543 |
| Net loans and leases to total assets | 59.3089% | 3,665 |
| Net loans and leases to deposits | 80.6887% | 2,205 |
| Net loans and leases to core deposits | 84.1803% | 2,493 |
| Total domestic deposits to total assets | 73.5034% | 6,277 |
| Equity capital to assets | 6.9678% | 6,455 |
| Core capital (leverage) ratio | 7.5260% | 6,329 |
| Tier 1 risk-based capital ratio | 12.0728% | 5,595 |
| Total risk-based capital ratio | 12.9072% | 5,778 |
| Memoranda: | ||
| Average total assets | $50,994,000 | 5,938 |
| Average earning assets | $42,952,500 | 6,027 |
| Average equity | $3,538,500 | 6,339 |
| Average total loans | $31,039,000 | 5,673 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2322% | 3,224 |
| Cost of funding earning assets | 1.3533% | 87 |
| Net interest margin | 2.8789% | 5,825 |
| Noninterest income to average assets | 0.7151% | 2,458 |
| Noninterest expense to average assets | 4.0528% | 823 |
| Loan and lease loss provision to assets | 0.0693% | 3,746 |
| Net operating income to assets | -2.3980% | 6,731 |
| Return on assets (ROA) | -2.2820% | 6,725 |
| Pretax return on assets | -0.8817% | 6,571 |
| Return on Equity (ROE) | -25.4054% | 6,706 |
| Retained earnings to average equity (ytd only) | -25.4054% | 6,698 |
| Net charge-offs to loans | 0.2330% | 2,587 |
| Credit loss provision to net charge-offs | 50.6849% | 3,796 |
| Earnings coverage of net charge-offs (x) | -6.7945% | 5,410 |
| Efficiency ratio | 129.7184% | 126 |
| Assets per employee ($millions) | 2.9778% | 5,861 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7236% | 6,317 |
| Loan loss allowance to noncurrent loans | 33.4808% | 5,834 |
| Noncurrent assets plus other real estate owned to assets | 1.3393% | 2,745 |
| Noncurrent loans to loans | 2.1614% | 1,818 |
| Net loans and leases to total assets | 61.5175% | 3,438 |
| Net loans and leases to deposits | 83.6678% | 1,978 |
| Net loans and leases to core deposits | 87.3352% | 2,315 |
| Total domestic deposits to total assets | 73.5259% | 6,316 |
| Equity capital to assets | 6.9099% | 6,480 |
| Core capital (leverage) ratio | 7.7386% | 6,283 |
| Tier 1 risk-based capital ratio | 12.5751% | 5,244 |
| Total risk-based capital ratio | 13.3471% | 5,498 |
| Memoranda: | ||
| Average total assets | $53,419,200 | 5,930 |
| Average earning assets | $44,704,600 | 6,030 |
| Average equity | $4,798,200 | 6,117 |
| Average total loans | $31,332,200 | 5,694 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2501% | 3,200 |
| Cost of funding earning assets | 1.3941% | 78 |
| Net interest margin | 2.8560% | 5,905 |
| Noninterest income to average assets | 0.6750% | 2,753 |
| Noninterest expense to average assets | 4.1045% | 762 |
| Loan and lease loss provision to assets | 0.0616% | 3,810 |
| Net operating income to assets | -0.6545% | 6,642 |
| Return on assets (ROA) | -0.5568% | 6,634 |
| Pretax return on assets | -0.9510% | 6,689 |
| Return on Equity (ROE) | -5.8816% | 6,622 |
| Retained earnings to average equity (ytd only) | -5.8816% | 6,532 |
| Net charge-offs to loans | 0.2001% | 2,636 |
| Credit loss provision to net charge-offs | 53.1915% | 3,433 |
| Earnings coverage of net charge-offs (x) | -8.9994% | 5,162 |
| Efficiency ratio | 134.0306% | 111 |
| Assets per employee ($millions) | 3.0532% | 5,760 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7723% | 6,325 |
| Loan loss allowance to noncurrent loans | 37.9528% | 5,704 |
| Noncurrent assets plus other real estate owned to assets | 1.2234% | 3,194 |
| Noncurrent loans to loans | 2.0349% | 2,211 |
| Net loans and leases to total assets | 59.6551% | 3,749 |
| Net loans and leases to deposits | 83.1717% | 1,984 |
| Net loans and leases to core deposits | 86.2051% | 2,385 |
| Total domestic deposits to total assets | 71.7253% | 6,511 |
| Equity capital to assets | 9.1745% | 4,970 |
| Core capital (leverage) ratio | 7.8890% | 6,284 |
| Tier 1 risk-based capital ratio | 12.8842% | 5,199 |
| Total risk-based capital ratio | 13.6813% | 5,434 |
| Memoranda: | ||
| Average total assets | $54,118,250 | 5,982 |
| Average earning assets | $45,237,000 | 6,080 |
| Average equity | $5,123,250 | 6,109 |
| Average total loans | $31,323,000 | 5,750 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2371% | 3,198 |
| Cost of funding earning assets | 1.4211% | 73 |
| Net interest margin | 2.8160% | 5,970 |
| Noninterest income to average assets | 0.7474% | 2,426 |
| Noninterest expense to average assets | 3.9923% | 872 |
| Loan and lease loss provision to assets | 0.0547% | 3,906 |
| Net operating income to assets | -0.5303% | 6,645 |
| Return on assets (ROA) | -0.4229% | 6,630 |
| Pretax return on assets | -0.7693% | 6,702 |
| Return on Equity (ROE) | -4.4244% | 6,624 |
| Retained earnings to average equity (ytd only) | -4.4244% | 6,422 |
| Net charge-offs to loans | 0.0383% | 4,143 |
| Credit loss provision to net charge-offs | 250.0000% | 995 |
| Earnings coverage of net charge-offs (x) | -40.3333% | 4,895 |
| Efficiency ratio | 128.3705% | 139 |
| Assets per employee ($millions) | 2.9449% | 5,939 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8605% | 6,230 |
| Loan loss allowance to noncurrent loans | 38.1487% | 5,711 |
| Noncurrent assets plus other real estate owned to assets | 1.3451% | 3,083 |
| Noncurrent loans to loans | 2.2555% | 2,112 |
| Net loans and leases to total assets | 59.1201% | 3,812 |
| Net loans and leases to deposits | 82.4147% | 2,007 |
| Net loans and leases to core deposits | 86.8405% | 2,246 |
| Total domestic deposits to total assets | 71.7350% | 6,573 |
| Equity capital to assets | 9.4739% | 4,616 |
| Core capital (leverage) ratio | 8.2163% | 5,994 |
| Tier 1 risk-based capital ratio | 13.3704% | 4,862 |
| Total risk-based capital ratio | 14.2507% | 5,084 |
| Memoranda: | ||
| Average total assets | $54,856,000 | 6,002 |
| Average earning assets | $46,022,000 | 6,101 |
| Average equity | $5,243,670 | 6,114 |
| Average total loans | $31,362,330 | 5,785 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1474% | 3,525 |
| Cost of funding earning assets | 1.4533% | 72 |
| Net interest margin | 2.6941% | 6,220 |
| Noninterest income to average assets | 0.7673% | 2,263 |
| Noninterest expense to average assets | 3.9011% | 996 |
| Loan and lease loss provision to assets | 0.0430% | 3,882 |
| Net operating income to assets | -0.5091% | 6,675 |
| Return on assets (ROA) | -0.5091% | 6,699 |
| Pretax return on assets | -0.9036% | 6,781 |
| Return on Equity (ROE) | -5.3039% | 6,705 |
| Retained earnings to average equity (ytd only) | -5.3039% | 6,384 |
| Net charge-offs to loans | 0.0768% | 3,073 |
| Credit loss provision to net charge-offs | 100.0000% | 1,815 |
| Earnings coverage of net charge-offs (x) | -20.0000% | 4,122 |
| Efficiency ratio | 128.3019% | 163 |
| Assets per employee ($millions) | 3.0194% | 5,954 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8348% | 6,397 |
| Loan loss allowance to noncurrent loans | 36.7832% | 5,736 |
| Noncurrent assets plus other real estate owned to assets | 1.3156% | 3,327 |
| Noncurrent loans to loans | 2.2696% | 2,308 |
| Net loans and leases to total assets | 57.4822% | 3,850 |
| Net loans and leases to deposits | 80.0190% | 2,069 |
| Net loans and leases to core deposits | 84.7673% | 2,235 |
| Total domestic deposits to total assets | 71.8357% | 6,664 |
| Equity capital to assets | 9.7720% | 4,462 |
| Core capital (leverage) ratio | 8.2576% | 5,866 |
| Tier 1 risk-based capital ratio | 14.8627% | 3,930 |
| Total risk-based capital ratio | 15.7550% | 4,139 |
| Memoranda: | ||
| Average total assets | $55,779,500 | 6,028 |
| Average earning assets | $47,065,500 | 6,127 |
| Average equity | $5,354,500 | 6,150 |
| Average total loans | $31,238,000 | 5,833 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3916% | 3,845 |
| Cost of funding earning assets | 1.5471% | 136 |
| Net interest margin | 2.8445% | 6,326 |
| Noninterest income to average assets | 0.9770% | 1,606 |
| Noninterest expense to average assets | 3.6493% | 1,507 |
| Loan and lease loss provision to assets | 0.0227% | 5,608 |
| Net operating income to assets | -0.0995% | 6,284 |
| Return on assets (ROA) | -0.0682% | 6,357 |
| Pretax return on assets | -0.2359% | 6,440 |
| Return on Equity (ROE) | -0.7235% | 6,371 |
| Retained earnings to average equity (ytd only) | -0.7235% | 5,980 |
| Net charge-offs to loans | 0.0095% | 5,808 |
| Credit loss provision to net charge-offs | 433.3333% | 554 |
| Earnings coverage of net charge-offs (x) | -50.0000% | 5,975 |
| Efficiency ratio | 107.7399% | 376 |
| Assets per employee ($millions) | 3.3653% | 5,300 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8459% | 6,403 |
| Loan loss allowance to noncurrent loans | 124.7619% | 2,754 |
| Noncurrent assets plus other real estate owned to assets | 0.3671% | 5,594 |
| Noncurrent loans to loans | 0.6780% | 4,842 |
| Net loans and leases to total assets | 53.6794% | 4,660 |
| Net loans and leases to deposits | 77.1414% | 2,633 |
| Net loans and leases to core deposits | 81.6126% | 2,807 |
| Total domestic deposits to total assets | 69.5857% | 6,802 |
| Equity capital to assets | 9.4354% | 4,954 |
| Core capital (leverage) ratio | 8.1835% | 6,018 |
| Tier 1 risk-based capital ratio | 15.2378% | 3,591 |
| Total risk-based capital ratio | 16.1199% | 3,746 |
| Memoranda: | ||
| Average total assets | $57,215,800 | 5,992 |
| Average earning assets | $48,478,800 | 6,105 |
| Average equity | $5,390,800 | 6,183 |
| Average total loans | $31,588,600 | 5,872 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4479% | 3,842 |
| Cost of funding earning assets | 1.5587% | 152 |
| Net interest margin | 2.8892% | 6,381 |
| Noninterest income to average assets | 0.9018% | 1,820 |
| Noninterest expense to average assets | 3.6585% | 1,437 |
| Loan and lease loss provision to assets | 0.0233% | 5,501 |
| Net operating income to assets | -0.1595% | 6,461 |
| Return on assets (ROA) | -0.1282% | 6,517 |
| Pretax return on assets | -0.2820% | 6,592 |
| Return on Equity (ROE) | -1.3607% | 6,527 |
| Retained earnings to average equity (ytd only) | -1.3607% | 6,316 |
| Net charge-offs to loans | -0.0042% | 6,257 |
| Credit loss provision to net charge-offs | -1,000.0000% | 6,533 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.1794% | 320 |
| Assets per employee ($millions) | 3.1883% | 5,657 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8491% | 6,509 |
| Loan loss allowance to noncurrent loans | 43.4926% | 5,480 |
| Noncurrent assets plus other real estate owned to assets | 1.0577% | 4,173 |
| Noncurrent loans to loans | 1.9522% | 2,894 |
| Net loans and leases to total assets | 53.7194% | 4,791 |
| Net loans and leases to deposits | 77.2347% | 2,767 |
| Net loans and leases to core deposits | 81.7572% | 2,996 |
| Total domestic deposits to total assets | 69.5534% | 6,864 |
| Equity capital to assets | 9.4461% | 5,267 |
| Core capital (leverage) ratio | 8.3159% | 5,984 |
| Tier 1 risk-based capital ratio | 15.3007% | 3,646 |
| Total risk-based capital ratio | 16.1704% | 3,865 |
| Memoranda: | ||
| Average total assets | $57,217,250 | 6,061 |
| Average earning assets | $48,500,750 | 6,180 |
| Average equity | $5,389,000 | 6,247 |
| Average total loans | $31,742,750 | 5,938 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4656% | 3,919 |
| Cost of funding earning assets | 1.5627% | 182 |
| Net interest margin | 2.9028% | 6,425 |
| Noninterest income to average assets | 0.8013% | 2,172 |
| Noninterest expense to average assets | 3.6389% | 1,491 |
| Loan and lease loss provision to assets | 0.0245% | 5,360 |
| Net operating income to assets | -0.2018% | 6,546 |
| Return on assets (ROA) | -0.1749% | 6,599 |
| Pretax return on assets | -0.3569% | 6,675 |
| Return on Equity (ROE) | -1.8593% | 6,611 |
| Retained earnings to average equity (ytd only) | -1.8593% | 6,341 |
| Net charge-offs to loans | -0.0063% | 6,206 |
| Credit loss provision to net charge-offs | -700.0000% | 6,348 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 111.4684% | 311 |
| Assets per employee ($millions) | 3.0137% | 6,039 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8273% | 6,619 |
| Loan loss allowance to noncurrent loans | 43.8655% | 5,459 |
| Noncurrent assets plus other real estate owned to assets | 1.0391% | 4,303 |
| Noncurrent loans to loans | 1.8861% | 3,093 |
| Net loans and leases to total assets | 54.6385% | 4,684 |
| Net loans and leases to deposits | 78.5153% | 2,597 |
| Net loans and leases to core deposits | 83.1080% | 2,814 |
| Total domestic deposits to total assets | 69.5896% | 6,923 |
| Equity capital to assets | 9.4045% | 5,190 |
| Core capital (leverage) ratio | 8.2640% | 5,973 |
| Tier 1 risk-based capital ratio | 15.1087% | 3,698 |
| Total risk-based capital ratio | 15.9677% | 3,912 |
| Memoranda: | ||
| Average total assets | $57,160,000 | 6,105 |
| Average earning assets | $48,504,330 | 6,216 |
| Average equity | $5,378,330 | 6,274 |
| Average total loans | $31,959,330 | 5,967 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4379% | 4,169 |
| Cost of funding earning assets | 1.5756% | 206 |
| Net interest margin | 2.8624% | 6,536 |
| Noninterest income to average assets | 0.8545% | 1,927 |
| Noninterest expense to average assets | 3.6141% | 1,536 |
| Loan and lease loss provision to assets | 0.0280% | 5,010 |
| Net operating income to assets | -0.1622% | 6,593 |
| Return on assets (ROA) | -0.1891% | 6,678 |
| Pretax return on assets | -0.3992% | 6,783 |
| Return on Equity (ROE) | -2.0093% | 6,688 |
| Retained earnings to average equity (ytd only) | -2.0093% | 6,279 |
| Net charge-offs to loans | -0.0124% | 6,013 |
| Credit loss provision to net charge-offs | -400.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.0213% | 335 |
| Assets per employee ($millions) | 3.1718% | 5,830 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8140% | 6,715 |
| Loan loss allowance to noncurrent loans | 37.5000% | 5,766 |
| Noncurrent assets plus other real estate owned to assets | 1.2051% | 4,115 |
| Noncurrent loans to loans | 2.1706% | 2,946 |
| Net loans and leases to total assets | 55.0645% | 4,544 |
| Net loans and leases to deposits | 79.2948% | 2,299 |
| Net loans and leases to core deposits | 83.3921% | 2,623 |
| Total domestic deposits to total assets | 69.4428% | 7,005 |
| Equity capital to assets | 9.4110% | 4,940 |
| Core capital (leverage) ratio | 8.3190% | 5,849 |
| Tier 1 risk-based capital ratio | 15.2403% | 3,596 |
| Total risk-based capital ratio | 16.0941% | 3,829 |
| Memoranda: | ||
| Average total assets | $57,110,000 | 6,153 |
| Average earning assets | $48,491,000 | 6,261 |
| Average equity | $5,375,000 | 6,312 |
| Average total loans | $32,165,500 | 5,999 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8271% | 3,678 |
| Cost of funding earning assets | 1.7002% | 321 |
| Net interest margin | 3.1269% | 6,278 |
| Noninterest income to average assets | 0.5538% | 3,484 |
| Noninterest expense to average assets | 3.5903% | 1,764 |
| Loan and lease loss provision to assets | 0.0210% | 6,309 |
| Net operating income to assets | -0.1908% | 6,248 |
| Return on assets (ROA) | -0.1572% | 6,282 |
| Pretax return on assets | -0.3477% | 6,382 |
| Return on Equity (ROE) | -1.6665% | 6,309 |
| Retained earnings to average equity (ytd only) | -1.6665% | 6,110 |
| Net charge-offs to loans | 0.0797% | 5,525 |
| Credit loss provision to net charge-offs | 46.1538% | 5,510 |
| Earnings coverage of net charge-offs (x) | -8.3462% | 6,386 |
| Efficiency ratio | 111.8063% | 403 |
| Assets per employee ($millions) | 3.1737% | 5,762 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7752% | 6,791 |
| Loan loss allowance to noncurrent loans | 49.1262% | 5,079 |
| Noncurrent assets plus other real estate owned to assets | 0.9015% | 4,810 |
| Noncurrent loans to loans | 1.5781% | 3,797 |
| Net loans and leases to total assets | 56.6842% | 4,595 |
| Net loans and leases to deposits | 81.6202% | 2,253 |
| Net loans and leases to core deposits | 84.7120% | 2,783 |
| Total domestic deposits to total assets | 69.4488% | 7,013 |
| Equity capital to assets | 9.4124% | 5,007 |
| Core capital (leverage) ratio | 8.3398% | 5,793 |
| Tier 1 risk-based capital ratio | 15.3511% | 3,422 |
| Total risk-based capital ratio | 16.1927% | 3,635 |
| Memoranda: | ||
| Average total assets | $57,237,400 | 6,132 |
| Average earning assets | $48,641,800 | 6,237 |
| Average equity | $5,400,600 | 6,327 |
| Average total loans | $32,642,000 | 6,034 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8236% | 3,925 |
| Cost of funding earning assets | 1.7220% | 363 |
| Net interest margin | 3.1017% | 6,378 |
| Noninterest income to average assets | 0.4889% | 3,957 |
| Noninterest expense to average assets | 3.6368% | 1,634 |
| Loan and lease loss provision to assets | 0.0210% | 6,179 |
| Net operating income to assets | -0.2962% | 6,487 |
| Return on assets (ROA) | -0.2515% | 6,511 |
| Pretax return on assets | -0.4610% | 6,596 |
| Return on Equity (ROE) | -2.6635% | 6,538 |
| Retained earnings to average equity (ytd only) | -2.6635% | 6,377 |
| Net charge-offs to loans | 0.0980% | 5,008 |
| Credit loss provision to net charge-offs | 37.5000% | 5,289 |
| Earnings coverage of net charge-offs (x) | -9.1247% | 6,132 |
| Efficiency ratio | 116.3068% | 342 |
| Assets per employee ($millions) | 3.1330% | 5,830 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7957% | 6,828 |
| Loan loss allowance to noncurrent loans | 68.3924% | 4,026 |
| Noncurrent assets plus other real estate owned to assets | 0.6508% | 5,512 |
| Noncurrent loans to loans | 1.1634% | 4,594 |
| Net loans and leases to total assets | 55.4917% | 4,920 |
| Net loans and leases to deposits | 80.2534% | 2,618 |
| Net loans and leases to core deposits | 84.2074% | 3,035 |
| Total domestic deposits to total assets | 69.1457% | 7,081 |
| Equity capital to assets | 9.6305% | 4,890 |
| Core capital (leverage) ratio | 8.6818% | 5,439 |
| Tier 1 risk-based capital ratio | 16.0512% | 3,094 |
| Total risk-based capital ratio | 16.8896% | 3,282 |
| Memoranda: | ||
| Average total assets | $57,265,000 | 6,178 |
| Average earning assets | $48,703,250 | 6,292 |
| Average equity | $5,406,500 | 6,367 |
| Average total loans | $32,643,750 | 6,093 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8988% | 3,627 |
| Cost of funding earning assets | 1.7228% | 428 |
| Net interest margin | 3.1761% | 6,226 |
| Noninterest income to average assets | 0.4448% | 4,318 |
| Noninterest expense to average assets | 3.6695% | 1,584 |
| Loan and lease loss provision to assets | 0.0208% | 6,026 |
| Net operating income to assets | -0.2961% | 6,553 |
| Return on assets (ROA) | -0.2293% | 6,536 |
| Pretax return on assets | -0.4378% | 6,615 |
| Return on Equity (ROE) | -2.4452% | 6,550 |
| Retained earnings to average equity (ytd only) | -2.4452% | 6,309 |
| Net charge-offs to loans | 0.1151% | 4,552 |
| Credit loss provision to net charge-offs | 31.5789% | 4,962 |
| Earnings coverage of net charge-offs (x) | -7.8947% | 5,816 |
| Efficiency ratio | 116.5563% | 383 |
| Assets per employee ($millions) | 3.1597% | 5,727 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7754% | 6,912 |
| Loan loss allowance to noncurrent loans | 82.6797% | 3,412 |
| Noncurrent assets plus other real estate owned to assets | 0.5380% | 5,844 |
| Noncurrent loans to loans | 0.9379% | 5,095 |
| Net loans and leases to total assets | 56.9213% | 4,828 |
| Net loans and leases to deposits | 81.9906% | 2,460 |
| Net loans and leases to core deposits | 85.9616% | 2,911 |
| Total domestic deposits to total assets | 69.4242% | 7,139 |
| Equity capital to assets | 9.4505% | 4,890 |
| Core capital (leverage) ratio | 8.5330% | 5,501 |
| Tier 1 risk-based capital ratio | 15.6935% | 3,132 |
| Total risk-based capital ratio | 16.5272% | 3,317 |
| Memoranda: | ||
| Average total assets | $57,555,330 | 6,220 |
| Average earning assets | $48,991,330 | 6,341 |
| Average equity | $5,398,330 | 6,411 |
| Average total loans | $33,010,000 | 6,137 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8471% | 3,835 |
| Cost of funding earning assets | 1.7236% | 502 |
| Net interest margin | 3.1235% | 6,281 |
| Noninterest income to average assets | 0.4974% | 3,913 |
| Noninterest expense to average assets | 3.8414% | 1,270 |
| Loan and lease loss provision to assets | 0.0207% | 5,690 |
| Net operating income to assets | -0.3938% | 6,737 |
| Return on assets (ROA) | -0.3938% | 6,745 |
| Pretax return on assets | -0.6978% | 6,873 |
| Return on Equity (ROE) | -4.2144% | 6,758 |
| Retained earnings to average equity (ytd only) | -4.2144% | 6,443 |
| Net charge-offs to loans | 0.2048% | 3,280 |
| Credit loss provision to net charge-offs | 17.6471% | 4,281 |
| Earnings coverage of net charge-offs (x) | -5.7647% | 5,033 |
| Efficiency ratio | 121.3974% | 328 |
| Assets per employee ($millions) | 3.3881% | 5,277 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7668% | 6,980 |
| Loan loss allowance to noncurrent loans | 64.3766% | 4,176 |
| Noncurrent assets plus other real estate owned to assets | 0.6823% | 5,584 |
| Noncurrent loans to loans | 1.1912% | 4,697 |
| Net loans and leases to total assets | 56.8432% | 4,836 |
| Net loans and leases to deposits | 81.4914% | 2,447 |
| Net loans and leases to core deposits | 85.3538% | 2,983 |
| Total domestic deposits to total assets | 69.7536% | 7,193 |
| Equity capital to assets | 9.3321% | 4,672 |
| Core capital (leverage) ratio | 8.4042% | 5,621 |
| Tier 1 risk-based capital ratio | 15.2582% | 3,283 |
| Total risk-based capital ratio | 16.0703% | 3,492 |
| Memoranda: | ||
| Average total assets | $57,895,500 | 6,262 |
| Average earning assets | $49,432,000 | 6,359 |
| Average equity | $5,410,000 | 6,414 |
| Average total loans | $33,201,500 | 6,170 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0200% | 4,453 |
| Cost of funding earning assets | 2.1596% | 347 |
| Net interest margin | 2.8604% | 6,958 |
| Noninterest income to average assets | 0.7157% | 2,750 |
| Noninterest expense to average assets | 3.5655% | 2,020 |
| Loan and lease loss provision to assets | 0.1196% | 5,964 |
| Net operating income to assets | -0.3262% | 6,240 |
| Return on assets (ROA) | -0.3325% | 6,279 |
| Pretax return on assets | -0.5257% | 6,339 |
| Return on Equity (ROE) | -3.6224% | 6,333 |
| Retained earnings to average equity (ytd only) | -3.6224% | 6,171 |
| Net charge-offs to loans | 0.4857% | 3,675 |
| Credit loss provision to net charge-offs | 41.7143% | 6,362 |
| Earnings coverage of net charge-offs (x) | -1.3829% | 6,661 |
| Efficiency ratio | 112.5065% | 498 |
| Assets per employee ($millions) | 3.2330% | 5,584 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7962% | 6,976 |
| Loan loss allowance to noncurrent loans | 63.0332% | 4,248 |
| Noncurrent assets plus other real estate owned to assets | 0.7252% | 5,555 |
| Noncurrent loans to loans | 1.2631% | 4,601 |
| Net loans and leases to total assets | 56.9543% | 5,194 |
| Net loans and leases to deposits | 81.4990% | 2,909 |
| Net loans and leases to core deposits | 85.2974% | 3,429 |
| Total domestic deposits to total assets | 69.8835% | 7,243 |
| Equity capital to assets | 9.3566% | 4,608 |
| Core capital (leverage) ratio | 7.8837% | 6,342 |
| Tier 1 risk-based capital ratio | 15.2760% | 3,114 |
| Total risk-based capital ratio | 16.1180% | 3,284 |
| Memoranda: | ||
| Average total assets | $61,057,400 | 6,159 |
| Average earning assets | $52,370,600 | 6,275 |
| Average equity | $5,604,000 | 6,486 |
| Average total loans | $36,034,000 | 6,111 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0463% | 4,603 |
| Cost of funding earning assets | 2.1799% | 403 |
| Net interest margin | 2.8663% | 7,053 |
| Noninterest income to average assets | 0.6302% | 3,253 |
| Noninterest expense to average assets | 3.2376% | 2,788 |
| Loan and lease loss provision to assets | 0.0842% | 6,194 |
| Net operating income to assets | -0.1594% | 6,260 |
| Return on assets (ROA) | -0.1684% | 6,355 |
| Pretax return on assets | -0.2439% | 6,356 |
| Return on Equity (ROE) | -1.8427% | 6,382 |
| Retained earnings to average equity (ytd only) | -1.8427% | 6,171 |
| Net charge-offs to loans | 0.6359% | 2,843 |
| Credit loss provision to net charge-offs | 22.2857% | 6,225 |
| Earnings coverage of net charge-offs (x) | -0.3885% | 6,285 |
| Efficiency ratio | 104.7486% | 618 |
| Assets per employee ($millions) | 3.5081% | 4,962 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6561% | 7,271 |
| Loan loss allowance to noncurrent loans | 149.6774% | 1,889 |
| Noncurrent assets plus other real estate owned to assets | 0.2455% | 6,752 |
| Noncurrent loans to loans | 0.4384% | 6,321 |
| Net loans and leases to total assets | 55.6266% | 5,605 |
| Net loans and leases to deposits | 83.4228% | 2,805 |
| Net loans and leases to core deposits | 87.7163% | 3,412 |
| Total domestic deposits to total assets | 66.6804% | 7,444 |
| Equity capital to assets | 8.9380% | 5,661 |
| Core capital (leverage) ratio | 8.6717% | 5,238 |
| Tier 1 risk-based capital ratio | 16.1897% | 2,677 |
| Total risk-based capital ratio | 16.8908% | 2,892 |
| Memoranda: | ||
| Average total assets | $61,773,250 | 6,202 |
| Average earning assets | $53,028,000 | 6,327 |
| Average equity | $5,643,750 | 6,555 |
| Average total loans | $36,690,000 | 6,164 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1962% | 3,980 |
| Cost of funding earning assets | 2.2193% | 435 |
| Net interest margin | 2.9769% | 6,880 |
| Noninterest income to average assets | 0.6263% | 3,155 |
| Noninterest expense to average assets | 3.2846% | 2,608 |
| Loan and lease loss provision to assets | 0.0359% | 6,599 |
| Net operating income to assets | -0.0397% | 6,131 |
| Return on assets (ROA) | -0.0522% | 6,247 |
| Pretax return on assets | -0.1631% | 6,303 |
| Return on Equity (ROE) | -0.5670% | 6,265 |
| Retained earnings to average equity (ytd only) | -0.5670% | 5,862 |
| Net charge-offs to loans | 0.5278% | 2,953 |
| Credit loss provision to net charge-offs | 11.2245% | 5,932 |
| Earnings coverage of net charge-offs (x) | -0.3367% | 5,940 |
| Efficiency ratio | 103.3881% | 700 |
| Assets per employee ($millions) | 3.2365% | 5,582 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7741% | 7,091 |
| Loan loss allowance to noncurrent loans | 137.7451% | 2,014 |
| Noncurrent assets plus other real estate owned to assets | 0.3317% | 6,591 |
| Noncurrent loans to loans | 0.5620% | 6,124 |
| Net loans and leases to total assets | 58.5725% | 5,320 |
| Net loans and leases to deposits | 91.3583% | 1,641 |
| Net loans and leases to core deposits | 96.3744% | 2,406 |
| Total domestic deposits to total assets | 64.1130% | 7,583 |
| Equity capital to assets | 9.2726% | 5,045 |
| Core capital (leverage) ratio | 8.8542% | 4,828 |
| Tier 1 risk-based capital ratio | 16.1525% | 2,606 |
| Total risk-based capital ratio | 16.9852% | 2,757 |
| Memoranda: | ||
| Average total assets | $61,315,670 | 6,254 |
| Average earning assets | $52,538,330 | 6,386 |
| Average equity | $5,643,670 | 6,572 |
| Average total loans | $37,134,000 | 6,188 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3385% | 3,351 |
| Cost of funding earning assets | 2.2333% | 534 |
| Net interest margin | 3.1052% | 6,579 |
| Noninterest income to average assets | 0.3920% | 4,984 |
| Noninterest expense to average assets | 3.3384% | 2,399 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | -0.1568% | 6,488 |
| Return on assets (ROA) | -0.1568% | 6,564 |
| Pretax return on assets | -0.2940% | 6,632 |
| Return on Equity (ROE) | -1.7099% | 6,604 |
| Retained earnings to average equity (ytd only) | -1.7099% | 6,158 |
| Net charge-offs to loans | 0.0107% | 5,439 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | -45.0000% | 5,595 |
| Efficiency ratio | 109.6567% | 609 |
| Assets per employee ($millions) | 3.0975% | 6,006 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9681% | 6,611 |
| Loan loss allowance to noncurrent loans | 118.0064% | 2,347 |
| Noncurrent assets plus other real estate owned to assets | 0.5020% | 6,238 |
| Noncurrent loans to loans | 0.8204% | 5,675 |
| Net loans and leases to total assets | 60.6031% | 5,019 |
| Net loans and leases to deposits | 94.0998% | 1,338 |
| Net loans and leases to core deposits | 99.3149% | 2,199 |
| Total domestic deposits to total assets | 64.4030% | 7,669 |
| Equity capital to assets | 9.1252% | 5,097 |
| Core capital (leverage) ratio | 9.0007% | 4,570 |
| Tier 1 risk-based capital ratio | 14.9413% | 3,135 |
| Total risk-based capital ratio | 15.9485% | 3,226 |
| Memoranda: | ||
| Average total assets | $61,227,000 | 6,336 |
| Average earning assets | $52,299,000 | 6,465 |
| Average equity | $5,614,500 | 6,641 |
| Average total loans | $37,551,500 | 6,230 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3465% | 4,955 |
| Cost of funding earning assets | 2.6209% | 733 |
| Net interest margin | 2.7256% | 7,175 |
| Noninterest income to average assets | 0.7034% | 2,944 |
| Noninterest expense to average assets | 3.3504% | 2,833 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | -0.1436% | 5,753 |
| Return on assets (ROA) | -0.1436% | 5,750 |
| Pretax return on assets | -0.3084% | 5,839 |
| Return on Equity (ROE) | -1.6149% | 5,796 |
| Retained earnings to average equity (ytd only) | -1.6149% | 5,418 |
| Net charge-offs to loans | -0.0183% | 7,782 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.1395% | 794 |
| Assets per employee ($millions) | 3.1845% | 5,756 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9894% | 6,446 |
| Loan loss allowance to noncurrent loans | 59.7403% | 4,400 |
| Noncurrent assets plus other real estate owned to assets | 1.0181% | 5,074 |
| Noncurrent loans to loans | 1.6562% | 4,161 |
| Net loans and leases to total assets | 60.8627% | 5,210 |
| Net loans and leases to deposits | 95.6643% | 1,370 |
| Net loans and leases to core deposits | 110.7086% | 2,820 |
| Total domestic deposits to total assets | 63.6212% | 7,715 |
| Equity capital to assets | 9.2158% | 4,819 |
| Core capital (leverage) ratio | 8.9959% | 4,429 |
| Tier 1 risk-based capital ratio | 15.5516% | 2,695 |
| Total risk-based capital ratio | 16.5984% | 2,737 |
| Memoranda: | ||
| Average total assets | $61,276,600 | 6,303 |
| Average earning assets | $52,576,400 | 6,431 |
| Average equity | $5,449,400 | 6,787 |
| Average total loans | $38,266,800 | 6,189 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3509% | 5,171 |
| Cost of funding earning assets | 2.6716% | 860 |
| Net interest margin | 2.6792% | 7,245 |
| Noninterest income to average assets | 0.7006% | 3,012 |
| Noninterest expense to average assets | 3.3121% | 2,867 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | -0.1518% | 5,989 |
| Return on assets (ROA) | -0.1518% | 6,003 |
| Pretax return on assets | -0.3058% | 6,105 |
| Return on Equity (ROE) | -1.7227% | 6,056 |
| Retained earnings to average equity (ytd only) | -1.7227% | 5,663 |
| Net charge-offs to loans | -0.0173% | 7,748 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.1732% | 768 |
| Assets per employee ($millions) | 3.0554% | 6,027 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9626% | 6,475 |
| Loan loss allowance to noncurrent loans | 63.6522% | 4,151 |
| Noncurrent assets plus other real estate owned to assets | 0.9410% | 5,187 |
| Noncurrent loans to loans | 1.5123% | 4,389 |
| Net loans and leases to total assets | 61.6204% | 5,307 |
| Net loans and leases to deposits | 96.2970% | 1,536 |
| Net loans and leases to core deposits | 113.2515% | 2,904 |
| Total domestic deposits to total assets | 63.9900% | 7,765 |
| Equity capital to assets | 9.1706% | 5,217 |
| Core capital (leverage) ratio | 9.0014% | 4,646 |
| Tier 1 risk-based capital ratio | 15.5343% | 2,808 |
| Total risk-based capital ratio | 16.5737% | 2,845 |
| Memoranda: | ||
| Average total assets | $61,469,500 | 6,336 |
| Average earning assets | $52,900,000 | 6,460 |
| Average equity | $5,417,750 | 6,869 |
| Average total loans | $38,535,250 | 6,225 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3947% | 5,177 |
| Cost of funding earning assets | 2.7313% | 959 |
| Net interest margin | 2.6633% | 7,279 |
| Noninterest income to average assets | 0.8735% | 2,086 |
| Noninterest expense to average assets | 3.3285% | 2,857 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | -0.0585% | 5,936 |
| Return on assets (ROA) | -0.0585% | 6,003 |
| Pretax return on assets | -0.1656% | 6,080 |
| Return on Equity (ROE) | -0.6722% | 6,024 |
| Retained earnings to average equity (ytd only) | -0.6722% | 5,394 |
| Net charge-offs to loans | -0.0258% | 7,748 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.2361% | 988 |
| Assets per employee ($millions) | 3.0552% | 5,984 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9797% | 6,380 |
| Loan loss allowance to noncurrent loans | 94.3299% | 3,053 |
| Noncurrent assets plus other real estate owned to assets | 0.6350% | 5,826 |
| Noncurrent loans to loans | 1.0386% | 5,142 |
| Net loans and leases to total assets | 60.5388% | 5,599 |
| Net loans and leases to deposits | 94.5578% | 2,010 |
| Net loans and leases to core deposits | 111.6979% | 3,176 |
| Total domestic deposits to total assets | 64.0230% | 7,827 |
| Equity capital to assets | 8.9357% | 5,406 |
| Core capital (leverage) ratio | 9.0174% | 4,596 |
| Tier 1 risk-based capital ratio | 15.5577% | 2,795 |
| Total risk-based capital ratio | 16.5874% | 2,808 |
| Memoranda: | ||
| Average total assets | $61,590,000 | 6,389 |
| Average earning assets | $52,941,330 | 6,512 |
| Average equity | $5,355,670 | 6,944 |
| Average total loans | $38,706,670 | 6,262 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5640% | 4,552 |
| Cost of funding earning assets | 2.7971% | 991 |
| Net interest margin | 2.7669% | 7,059 |
| Noninterest income to average assets | 0.9186% | 1,783 |
| Noninterest expense to average assets | 3.3962% | 2,369 |
| Loan and lease loss provision to assets | 0.0259% | 6,593 |
| Net operating income to assets | -0.0453% | 6,328 |
| Return on assets (ROA) | -0.0453% | 6,455 |
| Pretax return on assets | -0.1294% | 6,502 |
| Return on Equity (ROE) | -0.5280% | 6,472 |
| Retained earnings to average equity (ytd only) | -0.5280% | 5,774 |
| Net charge-offs to loans | -0.0406% | 7,643 |
| Credit loss provision to net charge-offs | -100.0000% | 6,209 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.1434% | 1,010 |
| Assets per employee ($millions) | 3.2728% | 5,390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9612% | 6,424 |
| Loan loss allowance to noncurrent loans | 110.1493% | 2,809 |
| Noncurrent assets plus other real estate owned to assets | 0.5387% | 5,867 |
| Noncurrent loans to loans | 0.8726% | 5,269 |
| Net loans and leases to total assets | 61.1427% | 5,479 |
| Net loans and leases to deposits | 94.1907% | 2,240 |
| Net loans and leases to core deposits | 111.3516% | 3,279 |
| Total domestic deposits to total assets | 64.9138% | 7,798 |
| Equity capital to assets | 8.4813% | 6,103 |
| Core capital (leverage) ratio | 9.0305% | 4,656 |
| Tier 1 risk-based capital ratio | 15.3210% | 2,933 |
| Total risk-based capital ratio | 16.3410% | 2,964 |
| Memoranda: | ||
| Average total assets | $61,833,500 | 6,408 |
| Average earning assets | $53,055,500 | 6,539 |
| Average equity | $5,303,500 | 7,008 |
| Average total loans | $39,381,500 | 6,261 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9166% | 5,957 |
| Cost of funding earning assets | 3.0022% | 1,858 |
| Net interest margin | 2.9144% | 7,125 |
| Noninterest income to average assets | 0.4516% | 5,027 |
| Noninterest expense to average assets | 3.4282% | 2,589 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | -0.2388% | 6,666 |
| Return on assets (ROA) | -0.3383% | 6,637 |
| Pretax return on assets | -0.6054% | 6,738 |
| Return on Equity (ROE) | -3.7508% | 6,711 |
| Retained earnings to average equity (ytd only) | -3.7508% | 6,272 |
| Net charge-offs to loans | 0.0600% | 5,922 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | -11.1200% | 6,905 |
| Efficiency ratio | 115.1087% | 625 |
| Assets per employee ($millions) | 3.2359% | 5,379 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8942% | 6,708 |
| Loan loss allowance to noncurrent loans | 216.1677% | 1,805 |
| Noncurrent assets plus other real estate owned to assets | 0.2716% | 6,487 |
| Noncurrent loans to loans | 0.4136% | 6,101 |
| Net loans and leases to total assets | 65.0782% | 5,044 |
| Net loans and leases to deposits | 101.2219% | 1,673 |
| Net loans and leases to core deposits | 119.6817% | 2,720 |
| Total domestic deposits to total assets | 64.2926% | 7,770 |
| Equity capital to assets | 8.6739% | 5,851 |
| Core capital (leverage) ratio | 9.0853% | 4,620 |
| Tier 1 risk-based capital ratio | 15.2249% | 2,945 |
| Total risk-based capital ratio | 16.2150% | 2,977 |
| Memoranda: | ||
| Average total assets | $61,782,400 | 6,328 |
| Average earning assets | $53,561,000 | 6,438 |
| Average equity | $5,572,200 | 6,958 |
| Average total loans | $41,660,400 | 6,090 |