Home > First Federal Bank > Performance and Condition Ratios
First Federal Bank, Performance and Condition Ratios
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9866% | 3,772 |
| Cost of funding earning assets | 0.7491% | 847 |
| Net interest margin | 3.2375% | 4,807 |
| Noninterest income to average assets | 0.9056% | 1,486 |
| Noninterest expense to average assets | 3.4491% | 1,603 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 3.8030% | 62 |
| Return on assets (ROA) | 3.8082% | 62 |
| Pretax return on assets | 0.3078% | 5,688 |
| Return on Equity (ROE) | 33.5546% | 42 |
| Retained earnings to average equity (ytd only) | -7.0091% | 6,244 |
| Net charge-offs to loans | 0.1464% | 2,576 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 2.8746% | 4,039 |
| Efficiency ratio | 91.9337% | 710 |
| Assets per employee ($millions) | 3.9985% | 3,958 |
| Cash dividends to net income (ytd only)* | 120.8886% | 215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7828% | 385 |
| Loan loss allowance to noncurrent loans | 130.9640% | 3,104 |
| Noncurrent assets plus other real estate owned to assets | 2.2194% | 1,094 |
| Noncurrent loans to loans | 2.1249% | 1,280 |
| Net loans and leases to total assets | 70.0411% | 2,230 |
| Net loans and leases to deposits | 83.0080% | 2,336 |
| Net loans and leases to core deposits | 90.4221% | 2,236 |
| Total domestic deposits to total assets | 84.3787% | 3,565 |
| Equity capital to assets | 11.4645% | 2,462 |
| Core capital (leverage) ratio | 9.2148% | 4,658 |
| Tier 1 risk-based capital ratio | 11.4185% | 5,704 |
| Total risk-based capital ratio | 12.6845% | 5,617 |
| Memoranda: | ||
| Average total assets | $575,621,800 | 1,147 |
| Average earning assets | $506,045,600 | 1,213 |
| Average equity | $65,329,400 | 1,127 |
| Average total loans | $414,034,200 | 1,065 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9491% | 3,971 |
| Cost of funding earning assets | 0.7461% | 907 |
| Net interest margin | 3.2030% | 4,960 |
| Noninterest income to average assets | 0.7834% | 1,952 |
| Noninterest expense to average assets | 3.5516% | 1,374 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 5.0311% | 47 |
| Return on assets (ROA) | 5.0381% | 47 |
| Pretax return on assets | 0.0755% | 6,087 |
| Return on Equity (ROE) | 44.5110% | 20 |
| Retained earnings to average equity (ytd only) | -10.3897% | 6,378 |
| Net charge-offs to loans | 0.1840% | 1,986 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 0.5177% | 4,364 |
| Efficiency ratio | 98.1086% | 428 |
| Assets per employee ($millions) | 3.9053% | 4,077 |
| Cash dividends to net income (ytd only)* | 123.3419% | 212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8058% | 438 |
| Loan loss allowance to noncurrent loans | 132.4646% | 3,010 |
| Noncurrent assets plus other real estate owned to assets | 2.4179% | 1,113 |
| Noncurrent loans to loans | 2.1182% | 1,475 |
| Net loans and leases to total assets | 69.9633% | 2,200 |
| Net loans and leases to deposits | 81.4368% | 2,499 |
| Net loans and leases to core deposits | 90.8285% | 2,137 |
| Total domestic deposits to total assets | 85.9112% | 2,891 |
| Equity capital to assets | 11.4100% | 2,567 |
| Core capital (leverage) ratio | 8.8495% | 5,264 |
| Tier 1 risk-based capital ratio | 11.0937% | 5,952 |
| Total risk-based capital ratio | 12.3605% | 5,902 |
| Memoranda: | ||
| Average total assets | $568,585,500 | 1,173 |
| Average earning assets | $503,558,750 | 1,231 |
| Average equity | $64,357,000 | 1,147 |
| Average total loans | $408,795,250 | 1,075 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9152% | 4,079 |
| Cost of funding earning assets | 0.7411% | 961 |
| Net interest margin | 3.1741% | 5,028 |
| Noninterest income to average assets | 0.7661% | 1,979 |
| Noninterest expense to average assets | 3.6228% | 1,255 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.0499% | 6,135 |
| Return on assets (ROA) | 0.0499% | 6,160 |
| Pretax return on assets | -0.0255% | 6,214 |
| Return on Equity (ROE) | 0.4417% | 6,161 |
| Retained earnings to average equity (ytd only) | -83.7717% | 6,641 |
| Net charge-offs to loans | 0.2715% | 1,459 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | -0.1305% | 4,143 |
| Efficiency ratio | 100.7079% | 384 |
| Assets per employee ($millions) | 3.4685% | 4,908 |
| Cash dividends to net income (ytd only)* | 19,064.7482% | 1 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9623% | 398 |
| Loan loss allowance to noncurrent loans | 132.2356% | 2,974 |
| Noncurrent assets plus other real estate owned to assets | 2.7674% | 948 |
| Noncurrent loans to loans | 2.2402% | 1,461 |
| Net loans and leases to total assets | 71.8181% | 1,777 |
| Net loans and leases to deposits | 80.8651% | 2,398 |
| Net loans and leases to core deposits | 85.9430% | 2,520 |
| Total domestic deposits to total assets | 88.8122% | 1,464 |
| Equity capital to assets | 8.5566% | 5,755 |
| Core capital (leverage) ratio | 8.4200% | 5,723 |
| Tier 1 risk-based capital ratio | 10.7832% | 6,137 |
| Total risk-based capital ratio | 12.0525% | 6,076 |
| Memoranda: | ||
| Average total assets | $557,640,330 | 1,198 |
| Average earning assets | $497,397,330 | 1,242 |
| Average equity | $62,935,330 | 1,160 |
| Average total loans | $400,753,330 | 1,088 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8130% | 4,432 |
| Cost of funding earning assets | 0.7159% | 1,150 |
| Net interest margin | 3.0971% | 5,264 |
| Noninterest income to average assets | 0.7821% | 1,833 |
| Noninterest expense to average assets | 3.6266% | 1,259 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.0830% | 6,273 |
| Return on assets (ROA) | -0.0830% | 6,284 |
| Pretax return on assets | -0.0830% | 6,278 |
| Return on Equity (ROE) | -0.6567% | 6,270 |
| Retained earnings to average equity (ytd only) | -0.6567% | 5,673 |
| Net charge-offs to loans | 0.2355% | 1,376 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | -0.4979% | 3,476 |
| Efficiency ratio | 102.3425% | 417 |
| Assets per employee ($millions) | 3.1100% | 5,669 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0927% | 394 |
| Loan loss allowance to noncurrent loans | 114.1629% | 3,309 |
| Noncurrent assets plus other real estate owned to assets | 3.1559% | 864 |
| Noncurrent loans to loans | 2.7090% | 1,245 |
| Net loans and leases to total assets | 68.6999% | 2,114 |
| Net loans and leases to deposits | 79.7843% | 2,322 |
| Net loans and leases to core deposits | 83.9085% | 2,527 |
| Total domestic deposits to total assets | 86.1070% | 3,306 |
| Equity capital to assets | 12.4638% | 1,598 |
| Core capital (leverage) ratio | 12.4451% | 1,407 |
| Tier 1 risk-based capital ratio | 16.7030% | 2,812 |
| Total risk-based capital ratio | 17.9739% | 2,763 |
| Memoranda: | ||
| Average total assets | $558,979,000 | 1,197 |
| Average earning assets | $498,406,000 | 1,244 |
| Average equity | $70,660,000 | 1,028 |
| Average total loans | $395,764,500 | 1,109 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9137% | 4,412 |
| Cost of funding earning assets | 0.7228% | 1,660 |
| Net interest margin | 3.1908% | 5,032 |
| Noninterest income to average assets | 1.0440% | 1,291 |
| Noninterest expense to average assets | 3.5876% | 1,469 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.2556% | 5,674 |
| Return on assets (ROA) | 0.2602% | 5,736 |
| Pretax return on assets | 0.2623% | 5,821 |
| Return on Equity (ROE) | 1.9908% | 5,845 |
| Retained earnings to average equity (ytd only) | 1.9908% | 4,819 |
| Net charge-offs to loans | 0.8174% | 761 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 0.4644% | 4,924 |
| Efficiency ratio | 93.3002% | 786 |
| Assets per employee ($millions) | 2.9667% | 5,881 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2755% | 343 |
| Loan loss allowance to noncurrent loans | 106.4751% | 3,451 |
| Noncurrent assets plus other real estate owned to assets | 3.7470% | 740 |
| Noncurrent loans to loans | 3.0763% | 1,121 |
| Net loans and leases to total assets | 68.3909% | 2,281 |
| Net loans and leases to deposits | 79.6700% | 2,499 |
| Net loans and leases to core deposits | 84.2179% | 2,653 |
| Total domestic deposits to total assets | 85.8428% | 3,340 |
| Equity capital to assets | 12.8246% | 1,355 |
| Core capital (leverage) ratio | 12.8987% | 1,180 |
| Tier 1 risk-based capital ratio | 17.4032% | 2,453 |
| Total risk-based capital ratio | 18.6763% | 2,418 |
| Memoranda: | ||
| Average total assets | $534,505,000 | 1,244 |
| Average earning assets | $469,254,000 | 1,297 |
| Average equity | $69,870,000 | 1,026 |
| Average total loans | $362,754,200 | 1,178 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9081% | 4,470 |
| Cost of funding earning assets | 0.7215% | 1,798 |
| Net interest margin | 3.1866% | 5,037 |
| Noninterest income to average assets | 1.0623% | 1,294 |
| Noninterest expense to average assets | 3.5959% | 1,407 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.2522% | 5,773 |
| Return on assets (ROA) | 0.2584% | 5,858 |
| Pretax return on assets | 0.2609% | 5,950 |
| Return on Equity (ROE) | 1.9672% | 5,949 |
| Retained earnings to average equity (ytd only) | 1.9672% | 5,148 |
| Net charge-offs to loans | 0.9718% | 594 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 0.3903% | 4,735 |
| Efficiency ratio | 93.3868% | 771 |
| Assets per employee ($millions) | 2.9280% | 5,963 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5746% | 313 |
| Loan loss allowance to noncurrent loans | 100.0765% | 3,474 |
| Noncurrent assets plus other real estate owned to assets | 4.3216% | 703 |
| Noncurrent loans to loans | 3.5719% | 1,061 |
| Net loans and leases to total assets | 66.5673% | 2,552 |
| Net loans and leases to deposits | 77.2036% | 2,797 |
| Net loans and leases to core deposits | 81.7820% | 2,896 |
| Total domestic deposits to total assets | 86.2230% | 3,122 |
| Equity capital to assets | 13.3070% | 1,197 |
| Core capital (leverage) ratio | 13.2898% | 1,102 |
| Tier 1 risk-based capital ratio | 18.8225% | 2,041 |
| Total risk-based capital ratio | 20.1002% | 1,997 |
| Memoranda: | ||
| Average total assets | $530,922,250 | 1,264 |
| Average earning assets | $464,560,500 | 1,318 |
| Average equity | $69,741,000 | 1,032 |
| Average total loans | $356,426,500 | 1,204 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8989% | 4,482 |
| Cost of funding earning assets | 0.7287% | 1,852 |
| Net interest margin | 3.1702% | 5,045 |
| Noninterest income to average assets | 1.0748% | 1,326 |
| Noninterest expense to average assets | 3.5788% | 1,449 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.2624% | 5,740 |
| Return on assets (ROA) | 0.2624% | 5,871 |
| Pretax return on assets | 0.2624% | 5,975 |
| Return on Equity (ROE) | 2.0063% | 5,953 |
| Retained earnings to average equity (ytd only) | 2.0063% | 4,995 |
| Net charge-offs to loans | 1.3740% | 411 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 0.2872% | 4,451 |
| Efficiency ratio | 93.1687% | 805 |
| Assets per employee ($millions) | 2.8657% | 6,074 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8045% | 297 |
| Loan loss allowance to noncurrent loans | 96.5178% | 3,549 |
| Noncurrent assets plus other real estate owned to assets | 4.9812% | 618 |
| Noncurrent loans to loans | 3.9417% | 998 |
| Net loans and leases to total assets | 64.9448% | 2,762 |
| Net loans and leases to deposits | 75.5430% | 2,942 |
| Net loans and leases to core deposits | 78.2231% | 3,258 |
| Total domestic deposits to total assets | 85.9706% | 3,385 |
| Equity capital to assets | 13.5403% | 1,114 |
| Core capital (leverage) ratio | 13.5686% | 951 |
| Tier 1 risk-based capital ratio | 19.5404% | 1,846 |
| Total risk-based capital ratio | 20.8207% | 1,812 |
| Memoranda: | ||
| Average total assets | $531,242,000 | 1,260 |
| Average earning assets | $463,570,330 | 1,318 |
| Average equity | $69,480,670 | 1,039 |
| Average total loans | $353,282,000 | 1,203 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9015% | 4,466 |
| Cost of funding earning assets | 0.7316% | 1,988 |
| Net interest margin | 3.1700% | 5,028 |
| Noninterest income to average assets | 1.0947% | 1,231 |
| Noninterest expense to average assets | 3.5224% | 1,576 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.3347% | 5,421 |
| Return on assets (ROA) | 0.3347% | 5,558 |
| Pretax return on assets | 0.3347% | 5,762 |
| Return on Equity (ROE) | 2.6032% | 5,736 |
| Retained earnings to average equity (ytd only) | 2.6032% | 4,720 |
| Net charge-offs to loans | 0.0888% | 2,951 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 5.7089% | 2,334 |
| Efficiency ratio | 91.3219% | 1,041 |
| Assets per employee ($millions) | 2.9279% | 6,109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4040% | 211 |
| Loan loss allowance to noncurrent loans | 86.6933% | 3,730 |
| Noncurrent assets plus other real estate owned to assets | 5.9243% | 540 |
| Noncurrent loans to loans | 5.0799% | 740 |
| Net loans and leases to total assets | 61.8367% | 3,094 |
| Net loans and leases to deposits | 71.6487% | 3,230 |
| Net loans and leases to core deposits | 73.9870% | 3,579 |
| Total domestic deposits to total assets | 86.3054% | 3,353 |
| Equity capital to assets | 12.8584% | 1,495 |
| Core capital (leverage) ratio | 12.7488% | 1,219 |
| Tier 1 risk-based capital ratio | 19.2806% | 1,961 |
| Total risk-based capital ratio | 20.5684% | 1,924 |
| Memoranda: | ||
| Average total assets | $538,951,500 | 1,252 |
| Average earning assets | $469,660,000 | 1,314 |
| Average equity | $69,299,000 | 1,051 |
| Average total loans | $355,798,500 | 1,199 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3773% | 3,916 |
| Cost of funding earning assets | 0.9257% | 1,783 |
| Net interest margin | 3.4516% | 4,698 |
| Noninterest income to average assets | 1.1892% | 1,111 |
| Noninterest expense to average assets | 4.0158% | 959 |
| Loan and lease loss provision to assets | 0.0040% | 5,875 |
| Net operating income to assets | 0.1334% | 5,932 |
| Return on assets (ROA) | 0.2308% | 5,895 |
| Pretax return on assets | 0.2308% | 5,950 |
| Return on Equity (ROE) | 1.9059% | 5,930 |
| Retained earnings to average equity (ytd only) | 1.9059% | 4,881 |
| Net charge-offs to loans | 1.4515% | 627 |
| Credit loss provision to net charge-offs | 0.4260% | 5,479 |
| Earnings coverage of net charge-offs (x) | 0.1479% | 5,418 |
| Efficiency ratio | 96.6934% | 680 |
| Assets per employee ($millions) | 2.9797% | 6,043 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3856% | 210 |
| Loan loss allowance to noncurrent loans | 83.2767% | 3,817 |
| Noncurrent assets plus other real estate owned to assets | 6.6897% | 480 |
| Noncurrent loans to loans | 5.2664% | 729 |
| Net loans and leases to total assets | 64.4356% | 2,820 |
| Net loans and leases to deposits | 74.7462% | 2,993 |
| Net loans and leases to core deposits | 75.7640% | 3,564 |
| Total domestic deposits to total assets | 86.2058% | 3,251 |
| Equity capital to assets | 12.8578% | 1,514 |
| Core capital (leverage) ratio | 12.7322% | 1,230 |
| Tier 1 risk-based capital ratio | 18.4865% | 2,107 |
| Total risk-based capital ratio | 19.7742% | 2,065 |
| Memoranda: | ||
| Average total assets | $556,330,200 | 1,203 |
| Average earning assets | $477,716,200 | 1,275 |
| Average equity | $67,371,200 | 1,041 |
| Average total loans | $355,775,000 | 1,173 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3807% | 4,133 |
| Cost of funding earning assets | 0.9537% | 1,837 |
| Net interest margin | 3.4270% | 4,937 |
| Noninterest income to average assets | 1.2650% | 924 |
| Noninterest expense to average assets | 3.9342% | 1,026 |
| Loan and lease loss provision to assets | 0.0052% | 5,744 |
| Net operating income to assets | 0.2625% | 5,742 |
| Return on assets (ROA) | 0.3909% | 5,494 |
| Pretax return on assets | 0.3909% | 5,739 |
| Return on Equity (ROE) | 3.2755% | 5,583 |
| Retained earnings to average equity (ytd only) | 3.2755% | 4,566 |
| Net charge-offs to loans | 1.6539% | 500 |
| Credit loss provision to net charge-offs | 0.4991% | 5,153 |
| Earnings coverage of net charge-offs (x) | 0.2564% | 5,198 |
| Efficiency ratio | 93.6291% | 801 |
| Assets per employee ($millions) | 2.8923% | 6,229 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5367% | 203 |
| Loan loss allowance to noncurrent loans | 84.2019% | 3,707 |
| Noncurrent assets plus other real estate owned to assets | 7.3654% | 462 |
| Noncurrent loans to loans | 5.3879% | 806 |
| Net loans and leases to total assets | 63.5888% | 3,098 |
| Net loans and leases to deposits | 73.8447% | 3,304 |
| Net loans and leases to core deposits | 76.3243% | 3,688 |
| Total domestic deposits to total assets | 86.1116% | 3,189 |
| Equity capital to assets | 12.6185% | 1,809 |
| Core capital (leverage) ratio | 12.4817% | 1,417 |
| Tier 1 risk-based capital ratio | 18.1824% | 2,271 |
| Total risk-based capital ratio | 19.4714% | 2,238 |
| Memoranda: | ||
| Average total assets | $562,814,000 | 1,196 |
| Average earning assets | $482,319,000 | 1,277 |
| Average equity | $67,164,750 | 1,049 |
| Average total loans | $355,359,000 | 1,178 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4335% | 4,050 |
| Cost of funding earning assets | 0.9790% | 1,887 |
| Net interest margin | 3.4544% | 4,861 |
| Noninterest income to average assets | 1.3198% | 815 |
| Noninterest expense to average assets | 4.0494% | 887 |
| Loan and lease loss provision to assets | 0.0077% | 5,558 |
| Net operating income to assets | 0.2147% | 5,870 |
| Return on assets (ROA) | 0.4052% | 5,432 |
| Pretax return on assets | 0.4052% | 5,701 |
| Return on Equity (ROE) | 3.4582% | 5,507 |
| Retained earnings to average equity (ytd only) | 3.4582% | 4,298 |
| Net charge-offs to loans | 2.0256% | 405 |
| Credit loss provision to net charge-offs | 0.6152% | 4,805 |
| Earnings coverage of net charge-offs (x) | 0.1770% | 4,984 |
| Efficiency ratio | 94.7931% | 767 |
| Assets per employee ($millions) | 2.8922% | 6,252 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8902% | 176 |
| Loan loss allowance to noncurrent loans | 78.6766% | 3,844 |
| Noncurrent assets plus other real estate owned to assets | 8.4838% | 387 |
| Noncurrent loans to loans | 6.2155% | 695 |
| Net loans and leases to total assets | 60.4663% | 3,743 |
| Net loans and leases to deposits | 69.8993% | 3,910 |
| Net loans and leases to core deposits | 72.3565% | 4,257 |
| Total domestic deposits to total assets | 86.5048% | 3,066 |
| Equity capital to assets | 12.2184% | 1,994 |
| Core capital (leverage) ratio | 12.1212% | 1,540 |
| Tier 1 risk-based capital ratio | 18.6364% | 2,088 |
| Total risk-based capital ratio | 19.9300% | 2,033 |
| Memoranda: | ||
| Average total assets | $569,166,670 | 1,179 |
| Average earning assets | $486,391,670 | 1,268 |
| Average equity | $66,681,670 | 1,049 |
| Average total loans | $353,078,670 | 1,186 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3748% | 4,433 |
| Cost of funding earning assets | 1.0176% | 1,880 |
| Net interest margin | 3.3572% | 5,276 |
| Noninterest income to average assets | 1.2720% | 875 |
| Noninterest expense to average assets | 3.9285% | 1,026 |
| Loan and lease loss provision to assets | 0.0111% | 5,162 |
| Net operating income to assets | 0.2027% | 5,978 |
| Return on assets (ROA) | 0.2027% | 6,125 |
| Pretax return on assets | 0.2027% | 6,198 |
| Return on Equity (ROE) | 1.7671% | 6,142 |
| Retained earnings to average equity (ytd only) | 1.7671% | 5,358 |
| Net charge-offs to loans | 2.8253% | 269 |
| Credit loss provision to net charge-offs | 0.6415% | 3,986 |
| Earnings coverage of net charge-offs (x) | 0.1235% | 4,303 |
| Efficiency ratio | 94.8374% | 780 |
| Assets per employee ($millions) | 2.8385% | 6,451 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2265% | 143 |
| Loan loss allowance to noncurrent loans | 70.4247% | 4,023 |
| Noncurrent assets plus other real estate owned to assets | 9.5354% | 335 |
| Noncurrent loans to loans | 7.4214% | 578 |
| Net loans and leases to total assets | 58.0014% | 4,039 |
| Net loans and leases to deposits | 67.2952% | 4,180 |
| Net loans and leases to core deposits | 69.9635% | 4,424 |
| Total domestic deposits to total assets | 86.1894% | 3,418 |
| Equity capital to assets | 11.5623% | 2,383 |
| Core capital (leverage) ratio | 11.4142% | 1,952 |
| Tier 1 risk-based capital ratio | 18.3420% | 2,189 |
| Total risk-based capital ratio | 19.6402% | 2,144 |
| Memoranda: | ||
| Average total assets | $576,098,500 | 1,169 |
| Average earning assets | $492,551,000 | 1,250 |
| Average equity | $66,098,000 | 1,060 |
| Average total loans | $353,100,500 | 1,190 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6138% | 4,617 |
| Cost of funding earning assets | 1.3385% | 1,302 |
| Net interest margin | 3.2753% | 5,885 |
| Noninterest income to average assets | 0.8372% | 1,894 |
| Noninterest expense to average assets | 6.4840% | 170 |
| Loan and lease loss provision to assets | 0.1310% | 4,975 |
| Net operating income to assets | -3.0052% | 7,173 |
| Return on assets (ROA) | -3.0783% | 7,187 |
| Pretax return on assets | -3.1014% | 7,192 |
| Return on Equity (ROE) | -30.9864% | 7,104 |
| Retained earnings to average equity (ytd only) | -30.9864% | 7,096 |
| Net charge-offs to loans | 0.7972% | 2,163 |
| Credit loss provision to net charge-offs | 25.8204% | 5,842 |
| Earnings coverage of net charge-offs (x) | -5.7077% | 6,368 |
| Efficiency ratio | 180.3170% | 79 |
| Assets per employee ($millions) | 2.8941% | 6,295 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.8497% | 101 |
| Loan loss allowance to noncurrent loans | 60.5136% | 4,478 |
| Noncurrent assets plus other real estate owned to assets | 10.7906% | 277 |
| Noncurrent loans to loans | 9.6668% | 343 |
| Net loans and leases to total assets | 57.7918% | 4,410 |
| Net loans and leases to deposits | 66.6093% | 4,649 |
| Net loans and leases to core deposits | 68.1241% | 5,010 |
| Total domestic deposits to total assets | 86.7623% | 2,890 |
| Equity capital to assets | 11.3853% | 2,607 |
| Core capital (leverage) ratio | 11.2224% | 2,103 |
| Tier 1 risk-based capital ratio | 18.3165% | 2,102 |
| Total risk-based capital ratio | 19.6236% | 2,051 |
| Memoranda: | ||
| Average total assets | $594,510,800 | 1,109 |
| Average earning assets | $499,224,000 | 1,214 |
| Average equity | $59,061,400 | 1,147 |
| Average total loans | $378,448,600 | 1,123 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7742% | 4,126 |
| Cost of funding earning assets | 1.3856% | 1,294 |
| Net interest margin | 3.3886% | 5,607 |
| Noninterest income to average assets | 0.8264% | 1,937 |
| Noninterest expense to average assets | 4.5656% | 545 |
| Loan and lease loss provision to assets | 0.1736% | 4,301 |
| Net operating income to assets | -1.1207% | 6,929 |
| Return on assets (ROA) | -1.2185% | 6,986 |
| Pretax return on assets | -1.1777% | 6,932 |
| Return on Equity (ROE) | -12.7143% | 6,964 |
| Retained earnings to average equity (ytd only) | -12.7143% | 6,937 |
| Net charge-offs to loans | 0.7655% | 2,035 |
| Credit loss provision to net charge-offs | 35.3128% | 5,336 |
| Earnings coverage of net charge-offs (x) | -1.8441% | 6,009 |
| Efficiency ratio | 124.3668% | 264 |
| Assets per employee ($millions) | 2.9901% | 6,141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.8375% | 102 |
| Loan loss allowance to noncurrent loans | 46.5982% | 5,222 |
| Noncurrent assets plus other real estate owned to assets | 13.7496% | 168 |
| Noncurrent loans to loans | 12.5274% | 217 |
| Net loans and leases to total assets | 57.9585% | 4,522 |
| Net loans and leases to deposits | 68.3991% | 4,542 |
| Net loans and leases to core deposits | 70.3192% | 4,910 |
| Total domestic deposits to total assets | 84.7358% | 3,893 |
| Equity capital to assets | 13.0944% | 1,563 |
| Core capital (leverage) ratio | 12.9477% | 1,247 |
| Tier 1 risk-based capital ratio | 20.8751% | 1,478 |
| Total risk-based capital ratio | 22.1813% | 1,445 |
| Memoranda: | ||
| Average total assets | $598,432,000 | 1,105 |
| Average earning assets | $500,288,000 | 1,215 |
| Average equity | $57,351,500 | 1,183 |
| Average total loans | $384,236,250 | 1,126 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9001% | 3,619 |
| Cost of funding earning assets | 1.4275% | 1,296 |
| Net interest margin | 3.4726% | 5,279 |
| Noninterest income to average assets | 0.9104% | 1,615 |
| Noninterest expense to average assets | 4.5501% | 564 |
| Loan and lease loss provision to assets | 0.2530% | 3,380 |
| Net operating income to assets | -1.0392% | 6,951 |
| Return on assets (ROA) | -1.1861% | 7,012 |
| Pretax return on assets | -1.1470% | 6,943 |
| Return on Equity (ROE) | -14.1095% | 7,038 |
| Retained earnings to average equity (ytd only) | -14.1095% | 7,006 |
| Net charge-offs to loans | 1.1224% | 1,400 |
| Credit loss provision to net charge-offs | 34.6312% | 4,914 |
| Earnings coverage of net charge-offs (x) | -1.0224% | 5,634 |
| Efficiency ratio | 119.2203% | 350 |
| Assets per employee ($millions) | 2.9348% | 6,227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.8215% | 106 |
| Loan loss allowance to noncurrent loans | 43.4385% | 5,429 |
| Noncurrent assets plus other real estate owned to assets | 14.5523% | 160 |
| Noncurrent loans to loans | 13.4017% | 188 |
| Net loans and leases to total assets | 56.6858% | 4,869 |
| Net loans and leases to deposits | 67.2978% | 4,816 |
| Net loans and leases to core deposits | 69.3887% | 5,139 |
| Total domestic deposits to total assets | 84.2313% | 4,248 |
| Equity capital to assets | 12.8921% | 1,576 |
| Core capital (leverage) ratio | 12.9081% | 1,198 |
| Tier 1 risk-based capital ratio | 21.4979% | 1,327 |
| Total risk-based capital ratio | 22.8045% | 1,297 |
| Memoranda: | ||
| Average total assets | $597,571,670 | 1,110 |
| Average earning assets | $497,781,330 | 1,223 |
| Average equity | $50,235,670 | 1,338 |
| Average total loans | $389,004,000 | 1,122 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1979% | 2,225 |
| Cost of funding earning assets | 1.4953% | 1,184 |
| Net interest margin | 3.7026% | 4,087 |
| Noninterest income to average assets | 0.8684% | 1,780 |
| Noninterest expense to average assets | 4.7521% | 450 |
| Loan and lease loss provision to assets | 0.1054% | 4,696 |
| Net operating income to assets | -0.9650% | 7,033 |
| Return on assets (ROA) | -0.9650% | 7,034 |
| Pretax return on assets | -0.9262% | 6,971 |
| Return on Equity (ROE) | -15.9322% | 7,165 |
| Retained earnings to average equity (ytd only) | -15.9322% | 7,068 |
| Net charge-offs to loans | 0.1548% | 3,560 |
| Credit loss provision to net charge-offs | 100.6494% | 2,623 |
| Earnings coverage of net charge-offs (x) | -7.8377% | 5,049 |
| Efficiency ratio | 120.5501% | 338 |
| Assets per employee ($millions) | 2.5520% | 6,910 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.9382% | 108 |
| Loan loss allowance to noncurrent loans | 44.8047% | 5,316 |
| Noncurrent assets plus other real estate owned to assets | 16.5121% | 115 |
| Noncurrent loans to loans | 13.2536% | 214 |
| Net loans and leases to total assets | 63.2286% | 3,598 |
| Net loans and leases to deposits | 69.7109% | 4,392 |
| Net loans and leases to core deposits | 71.3037% | 4,888 |
| Total domestic deposits to total assets | 90.7011% | 761 |
| Equity capital to assets | 6.0878% | 7,276 |
| Core capital (leverage) ratio | 6.3769% | 7,197 |
| Tier 1 risk-based capital ratio | 9.4990% | 7,142 |
| Total risk-based capital ratio | 10.8068% | 7,136 |
| Memoranda: | ||
| Average total assets | $588,203,500 | 1,137 |
| Average earning assets | $486,580,500 | 1,264 |
| Average equity | $35,626,000 | 1,865 |
| Average total loans | $398,029,000 | 1,103 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2734% | 3,249 |
| Cost of funding earning assets | 1.7289% | 1,466 |
| Net interest margin | 3.5446% | 5,061 |
| Noninterest income to average assets | 1.0328% | 1,408 |
| Noninterest expense to average assets | 3.8173% | 1,452 |
| Loan and lease loss provision to assets | 1.0101% | 1,611 |
| Net operating income to assets | -0.7193% | 6,532 |
| Return on assets (ROA) | -0.5573% | 6,452 |
| Pretax return on assets | -0.5991% | 6,396 |
| Return on Equity (ROE) | -9.0916% | 6,680 |
| Retained earnings to average equity (ytd only) | -9.0916% | 6,596 |
| Net charge-offs to loans | 1.9884% | 1,018 |
| Credit loss provision to net charge-offs | 74.1017% | 5,759 |
| Earnings coverage of net charge-offs (x) | 0.1737% | 5,935 |
| Efficiency ratio | 93.8969% | 1,065 |
| Assets per employee ($millions) | 2.5959% | 6,864 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6376% | 128 |
| Loan loss allowance to noncurrent loans | 46.6221% | 5,209 |
| Noncurrent assets plus other real estate owned to assets | 15.6899% | 142 |
| Noncurrent loans to loans | 12.0921% | 284 |
| Net loans and leases to total assets | 64.2606% | 3,820 |
| Net loans and leases to deposits | 71.0107% | 4,681 |
| Net loans and leases to core deposits | 72.6941% | 5,141 |
| Total domestic deposits to total assets | 90.4943% | 837 |
| Equity capital to assets | 6.0269% | 7,341 |
| Core capital (leverage) ratio | 6.3639% | 7,225 |
| Tier 1 risk-based capital ratio | 9.4159% | 7,156 |
| Total risk-based capital ratio | 10.7204% | 7,149 |
| Memoranda: | ||
| Average total assets | $667,676,000 | 995 |
| Average earning assets | $569,096,800 | 1,061 |
| Average equity | $40,927,800 | 1,618 |
| Average total loans | $457,697,000 | 985 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2927% | 3,385 |
| Cost of funding earning assets | 1.7625% | 1,576 |
| Net interest margin | 3.5302% | 5,182 |
| Noninterest income to average assets | 0.8966% | 1,813 |
| Noninterest expense to average assets | 3.7735% | 1,423 |
| Loan and lease loss provision to assets | 1.0722% | 1,367 |
| Net operating income to assets | -0.9152% | 6,853 |
| Return on assets (ROA) | -0.6938% | 6,776 |
| Pretax return on assets | -0.6997% | 6,679 |
| Return on Equity (ROE) | -11.2774% | 6,977 |
| Retained earnings to average equity (ytd only) | -11.2774% | 6,936 |
| Net charge-offs to loans | 2.2302% | 802 |
| Credit loss provision to net charge-offs | 70.0331% | 5,419 |
| Earnings coverage of net charge-offs (x) | 0.0973% | 5,926 |
| Efficiency ratio | 95.9440% | 902 |
| Assets per employee ($millions) | 2.7131% | 6,758 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3819% | 139 |
| Loan loss allowance to noncurrent loans | 41.7974% | 5,502 |
| Noncurrent assets plus other real estate owned to assets | 15.0223% | 157 |
| Noncurrent loans to loans | 12.8761% | 233 |
| Net loans and leases to total assets | 64.0281% | 4,126 |
| Net loans and leases to deposits | 71.0026% | 4,995 |
| Net loans and leases to core deposits | 73.0039% | 5,408 |
| Total domestic deposits to total assets | 90.1772% | 787 |
| Equity capital to assets | 6.2034% | 7,464 |
| Core capital (leverage) ratio | 6.0963% | 7,419 |
| Tier 1 risk-based capital ratio | 9.2401% | 7,318 |
| Total risk-based capital ratio | 10.5429% | 7,313 |
| Memoranda: | ||
| Average total assets | $684,680,000 | 976 |
| Average earning assets | $586,886,750 | 1,034 |
| Average equity | $42,124,500 | 1,573 |
| Average total loans | $470,029,500 | 967 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3725% | 3,091 |
| Cost of funding earning assets | 1.7776% | 1,734 |
| Net interest margin | 3.5949% | 4,836 |
| Noninterest income to average assets | 0.8590% | 1,843 |
| Noninterest expense to average assets | 3.4748% | 2,085 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.4959% | 4,345 |
| Return on assets (ROA) | 0.4959% | 4,502 |
| Pretax return on assets | 0.4768% | 4,976 |
| Return on Equity (ROE) | 8.0799% | 2,857 |
| Retained earnings to average equity (ytd only) | 8.0799% | 1,414 |
| Net charge-offs to loans | 1.5600% | 1,218 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 0.4433% | 5,278 |
| Efficiency ratio | 87.6820% | 1,542 |
| Assets per employee ($millions) | 2.8489% | 6,453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6900% | 223 |
| Loan loss allowance to noncurrent loans | 45.1002% | 5,305 |
| Noncurrent assets plus other real estate owned to assets | 12.1271% | 264 |
| Noncurrent loans to loans | 10.3990% | 415 |
| Net loans and leases to total assets | 64.7477% | 4,098 |
| Net loans and leases to deposits | 73.2013% | 4,808 |
| Net loans and leases to core deposits | 75.2907% | 5,285 |
| Total domestic deposits to total assets | 88.4515% | 1,758 |
| Equity capital to assets | 6.4779% | 7,470 |
| Core capital (leverage) ratio | 6.4578% | 7,391 |
| Tier 1 risk-based capital ratio | 10.1079% | 6,965 |
| Total risk-based capital ratio | 11.4042% | 6,908 |
| Memoranda: | ||
| Average total assets | $702,193,000 | 959 |
| Average earning assets | $604,077,330 | 1,019 |
| Average equity | $43,094,670 | 1,540 |
| Average total loans | $484,116,000 | 943 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5158% | 2,513 |
| Cost of funding earning assets | 1.8154% | 1,815 |
| Net interest margin | 3.7004% | 4,240 |
| Noninterest income to average assets | 0.8680% | 1,745 |
| Noninterest expense to average assets | 3.5197% | 1,929 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.5583% | 4,095 |
| Return on assets (ROA) | 0.5583% | 4,239 |
| Pretax return on assets | 0.5343% | 4,836 |
| Return on Equity (ROE) | 9.3438% | 2,358 |
| Retained earnings to average equity (ytd only) | 9.3438% | 1,306 |
| Net charge-offs to loans | 1.1560% | 1,456 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 0.6657% | 4,434 |
| Efficiency ratio | 86.5727% | 1,736 |
| Assets per employee ($millions) | 2.8008% | 6,646 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9464% | 183 |
| Loan loss allowance to noncurrent loans | 51.6690% | 4,878 |
| Noncurrent assets plus other real estate owned to assets | 11.4668% | 297 |
| Noncurrent loans to loans | 9.5732% | 455 |
| Net loans and leases to total assets | 65.9842% | 3,853 |
| Net loans and leases to deposits | 74.9325% | 4,598 |
| Net loans and leases to core deposits | 77.7739% | 5,052 |
| Total domestic deposits to total assets | 88.0582% | 2,027 |
| Equity capital to assets | 6.1915% | 7,594 |
| Core capital (leverage) ratio | 6.1715% | 7,553 |
| Tier 1 risk-based capital ratio | 9.3388% | 7,378 |
| Total risk-based capital ratio | 10.6375% | 7,357 |
| Memoranda: | ||
| Average total assets | $714,268,000 | 965 |
| Average earning assets | $614,955,500 | 1,021 |
| Average equity | $42,680,500 | 1,566 |
| Average total loans | $495,864,000 | 945 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4027% | 4,685 |
| Cost of funding earning assets | 2.2678% | 1,778 |
| Net interest margin | 3.1349% | 6,267 |
| Noninterest income to average assets | 0.7156% | 2,869 |
| Noninterest expense to average assets | 3.5602% | 2,246 |
| Loan and lease loss provision to assets | 5.7293% | 129 |
| Net operating income to assets | -5.8810% | 7,831 |
| Return on assets (ROA) | -5.8618% | 7,819 |
| Pretax return on assets | -5.8188% | 7,787 |
| Return on Equity (ROE) | -65.2745% | 7,782 |
| Retained earnings to average equity (ytd only) | -65.2745% | 7,776 |
| Net charge-offs to loans | 4.0867% | 397 |
| Credit loss provision to net charge-offs | 198.6375% | 1,976 |
| Earnings coverage of net charge-offs (x) | -0.0377% | 6,256 |
| Efficiency ratio | 102.8935% | 979 |
| Assets per employee ($millions) | 2.8449% | 6,571 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9989% | 176 |
| Loan loss allowance to noncurrent loans | 59.2818% | 4,430 |
| Noncurrent assets plus other real estate owned to assets | 10.6757% | 322 |
| Noncurrent loans to loans | 8.4324% | 572 |
| Net loans and leases to total assets | 65.9567% | 4,158 |
| Net loans and leases to deposits | 77.1046% | 4,540 |
| Net loans and leases to core deposits | 96.2989% | 4,429 |
| Total domestic deposits to total assets | 85.5419% | 3,267 |
| Equity capital to assets | 5.7693% | 7,695 |
| Core capital (leverage) ratio | 5.7513% | 7,676 |
| Tier 1 risk-based capital ratio | 8.6663% | 7,561 |
| Total risk-based capital ratio | 9.9653% | 7,586 |
| Memoranda: | ||
| Average total assets | $771,005,800 | 890 |
| Average earning assets | $672,868,800 | 922 |
| Average equity | $69,238,400 | 948 |
| Average total loans | $544,162,000 | 881 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3087% | 5,378 |
| Cost of funding earning assets | 2.3481% | 1,815 |
| Net interest margin | 2.9606% | 6,704 |
| Noninterest income to average assets | 0.6983% | 3,025 |
| Noninterest expense to average assets | 3.4904% | 2,309 |
| Loan and lease loss provision to assets | 6.1457% | 101 |
| Net operating income to assets | -4.3560% | 7,783 |
| Return on assets (ROA) | -4.3386% | 7,782 |
| Pretax return on assets | -6.3214% | 7,924 |
| Return on Equity (ROE) | -44.5816% | 7,795 |
| Retained earnings to average equity (ytd only) | -44.5816% | 7,790 |
| Net charge-offs to loans | 4.4435% | 292 |
| Credit loss provision to net charge-offs | 195.2169% | 2,310 |
| Earnings coverage of net charge-offs (x) | -0.0638% | 6,140 |
| Efficiency ratio | 105.8439% | 858 |
| Assets per employee ($millions) | 2.7872% | 6,667 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9981% | 300 |
| Loan loss allowance to noncurrent loans | 44.5850% | 5,342 |
| Noncurrent assets plus other real estate owned to assets | 10.1638% | 333 |
| Noncurrent loans to loans | 8.9673% | 502 |
| Net loans and leases to total assets | 68.2703% | 3,895 |
| Net loans and leases to deposits | 83.3892% | 3,759 |
| Net loans and leases to core deposits | 103.4526% | 4,000 |
| Total domestic deposits to total assets | 81.8694% | 4,730 |
| Equity capital to assets | 8.3892% | 6,400 |
| Core capital (leverage) ratio | 7.1141% | 7,356 |
| Tier 1 risk-based capital ratio | 10.2769% | 6,707 |
| Total risk-based capital ratio | 11.5629% | 6,611 |
| Memoranda: | ||
| Average total assets | $780,970,750 | 884 |
| Average earning assets | $683,540,000 | 917 |
| Average equity | $76,002,500 | 863 |
| Average total loans | $553,298,750 | 884 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2754% | 5,764 |
| Cost of funding earning assets | 2.4252% | 1,858 |
| Net interest margin | 2.8502% | 6,911 |
| Noninterest income to average assets | 0.7262% | 2,834 |
| Noninterest expense to average assets | 2.8684% | 4,647 |
| Loan and lease loss provision to assets | 1.4778% | 1,163 |
| Net operating income to assets | -0.5868% | 6,640 |
| Return on assets (ROA) | -0.5630% | 6,622 |
| Pretax return on assets | -1.0738% | 6,867 |
| Return on Equity (ROE) | -5.5477% | 6,665 |
| Retained earnings to average equity (ytd only) | -5.5477% | 6,384 |
| Net charge-offs to loans | 1.2107% | 1,516 |
| Credit loss provision to net charge-offs | 172.4897% | 2,667 |
| Earnings coverage of net charge-offs (x) | 0.4281% | 5,266 |
| Efficiency ratio | 88.3990% | 1,961 |
| Assets per employee ($millions) | 2.8820% | 6,440 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0596% | 5,838 |
| Loan loss allowance to noncurrent loans | 11.7313% | 7,464 |
| Noncurrent assets plus other real estate owned to assets | 9.3821% | 345 |
| Noncurrent loans to loans | 9.0323% | 437 |
| Net loans and leases to total assets | 70.0914% | 3,684 |
| Net loans and leases to deposits | 88.8512% | 3,024 |
| Net loans and leases to core deposits | 110.9798% | 3,257 |
| Total domestic deposits to total assets | 78.8863% | 5,843 |
| Equity capital to assets | 10.8211% | 3,087 |
| Core capital (leverage) ratio | 10.8039% | 2,561 |
| Tier 1 risk-based capital ratio | 15.5182% | 2,805 |
| Total risk-based capital ratio | 16.5966% | 2,802 |
| Memoranda: | ||
| Average total assets | $795,090,000 | 885 |
| Average earning assets | $699,888,330 | 916 |
| Average equity | $80,682,000 | 818 |
| Average total loans | $562,647,330 | 891 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2289% | 6,191 |
| Cost of funding earning assets | 2.5183% | 1,854 |
| Net interest margin | 2.7106% | 7,179 |
| Noninterest income to average assets | 0.7297% | 2,707 |
| Noninterest expense to average assets | 2.7076% | 4,968 |
| Loan and lease loss provision to assets | 1.7392% | 717 |
| Net operating income to assets | -0.7215% | 7,075 |
| Return on assets (ROA) | -0.6741% | 7,069 |
| Pretax return on assets | -1.2582% | 7,278 |
| Return on Equity (ROE) | -6.8678% | 7,135 |
| Retained earnings to average equity (ytd only) | -6.8678% | 6,781 |
| Net charge-offs to loans | 1.6268% | 894 |
| Credit loss provision to net charge-offs | 151.1527% | 2,761 |
| Earnings coverage of net charge-offs (x) | 0.3536% | 4,691 |
| Efficiency ratio | 86.6624% | 2,001 |
| Assets per employee ($millions) | 2.7894% | 6,675 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8247% | 7,067 |
| Loan loss allowance to noncurrent loans | 11.0613% | 7,496 |
| Noncurrent assets plus other real estate owned to assets | 8.3199% | 335 |
| Noncurrent loans to loans | 7.4554% | 506 |
| Net loans and leases to total assets | 69.0573% | 3,899 |
| Net loans and leases to deposits | 87.3851% | 3,403 |
| Net loans and leases to core deposits | 109.9124% | 3,448 |
| Total domestic deposits to total assets | 79.0264% | 5,717 |
| Equity capital to assets | 10.7091% | 3,282 |
| Core capital (leverage) ratio | 10.6905% | 2,746 |
| Tier 1 risk-based capital ratio | 15.6656% | 2,796 |
| Total risk-based capital ratio | 16.5072% | 2,896 |
| Memoranda: | ||
| Average total assets | $799,241,000 | 881 |
| Average earning assets | $703,166,000 | 908 |
| Average equity | $78,453,500 | 838 |
| Average total loans | $565,282,500 | 885 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1820% | 4,605 |
| Cost of funding earning assets | 3.0957% | 1,518 |
| Net interest margin | 3.0863% | 6,688 |
| Noninterest income to average assets | 0.9711% | 1,686 |
| Noninterest expense to average assets | 2.7998% | 4,817 |
| Loan and lease loss provision to assets | 0.6656% | 2,180 |
| Net operating income to assets | 0.2895% | 5,576 |
| Return on assets (ROA) | 0.3336% | 5,247 |
| Pretax return on assets | 0.2951% | 5,521 |
| Return on Equity (ROE) | 3.7624% | 4,914 |
| Retained earnings to average equity (ytd only) | -3.2414% | 6,160 |
| Net charge-offs to loans | 0.7076% | 1,745 |
| Credit loss provision to net charge-offs | 130.4528% | 4,077 |
| Earnings coverage of net charge-offs (x) | 1.7965% | 5,176 |
| Efficiency ratio | 74.9825% | 3,402 |
| Assets per employee ($millions) | 2.7138% | 6,754 |
| Cash dividends to net income (ytd only)* | 186.1504% | 344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6024% | 7,676 |
| Loan loss allowance to noncurrent loans | 10.9513% | 7,492 |
| Noncurrent assets plus other real estate owned to assets | 6.7667% | 397 |
| Noncurrent loans to loans | 5.5010% | 738 |
| Net loans and leases to total assets | 71.4019% | 3,707 |
| Net loans and leases to deposits | 91.7298% | 3,186 |
| Net loans and leases to core deposits | 114.2091% | 3,317 |
| Total domestic deposits to total assets | 77.8393% | 5,765 |
| Equity capital to assets | 8.9137% | 5,480 |
| Core capital (leverage) ratio | 8.8938% | 4,897 |
| Tier 1 risk-based capital ratio | 12.7289% | 4,270 |
| Total risk-based capital ratio | 13.3484% | 4,625 |
| Memoranda: | ||
| Average total assets | $805,160,000 | 839 |
| Average earning assets | $716,197,200 | 848 |
| Average equity | $71,389,800 | 929 |
| Average total loans | $580,547,200 | 823 |