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First Federal Bank Texas, Performance and Condition Ratios

2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9263%1,759
Cost of funding earning assets2.0097%28
Net interest margin2.9166%6,196
Noninterest income to average assets0.7893%2,305
Noninterest expense to average assets5.6046%261
Loan and lease loss provision to assets-0.0738%6,898
Net operating income to assets-2.4171%6,968
Return on assets (ROA)-2.4171%6,971
Pretax return on assets-2.1405%6,945
Return on Equity (ROE)-24.3561%6,919
Retained earnings to average equity (ytd only)-24.3561%6,890
Net charge-offs to loans0.5882%1,966
Credit loss provision to net charge-offs-16.7637%6,230
Earnings coverage of net charge-offs (x)-5.0326%5,908
Efficiency ratio165.3120%71
Assets per employee ($millions)4.6099%2,764
Cash dividends to net income (ytd only)*0.0000%4,298
Condition Ratios (%)
Loss allowance to loans1.3356%4,472
Loan loss allowance to noncurrent loans71.2753%4,216
Noncurrent assets plus other real estate owned to assets3.8764%1,125
Noncurrent loans to loans1.8738%2,832
Net loans and leases to total assets76.8763%802
Net loans and leases to deposits113.6135%119
Net loans and leases to core deposits121.3072%265
Total domestic deposits to total assets67.6647%6,866
Equity capital to assets9.2417%5,219
Core capital (leverage) ratio8.4734%5,652
Tier 1 risk-based capital ratio13.3330%4,877
Total risk-based capital ratio14.5875%4,823
Memoranda:
Average total assets$195,231,8003,107
Average earning assets$174,107,8003,172
Average equity$19,375,0003,278
Average total loans$146,047,2002,629
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8756%2,103
Cost of funding earning assets1.9855%32
Net interest margin2.8901%6,380
Noninterest income to average assets0.9031%1,813
Noninterest expense to average assets3.1366%2,774
Loan and lease loss provision to assets-0.1343%7,060
Net operating income to assets0.0922%6,139
Return on assets (ROA)0.0922%6,282
Pretax return on assets0.4812%5,514
Return on Equity (ROE)0.9157%6,264
Retained earnings to average equity (ytd only)0.9157%5,804
Net charge-offs to loans0.7624%1,448
Credit loss provision to net charge-offs-23.7485%6,130
Earnings coverage of net charge-offs (x)0.6135%5,011
Efficiency ratio90.0416%1,037
Assets per employee ($millions)4.7811%2,490
Cash dividends to net income (ytd only)*0.0000%3,713
Condition Ratios (%)
Loss allowance to loans1.1973%5,294
Loan loss allowance to noncurrent loans173.8269%1,998
Noncurrent assets plus other real estate owned to assets2.9747%1,758
Noncurrent loans to loans0.6888%5,064
Net loans and leases to total assets71.9289%1,564
Net loans and leases to deposits118.5935%84
Net loans and leases to core deposits126.4434%225
Total domestic deposits to total assets60.6516%7,057
Equity capital to assets10.5750%3,763
Core capital (leverage) ratio9.9116%3,680
Tier 1 risk-based capital ratio16.2506%3,131
Total risk-based capital ratio17.5084%3,093
Memoranda:
Average total assets$202,551,0003,048
Average earning assets$180,839,7503,109
Average equity$20,384,5003,187
Average total loans$150,232,2502,602
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9209%2,024
Cost of funding earning assets1.9966%36
Net interest margin2.9243%6,389
Noninterest income to average assets1.2049%987
Noninterest expense to average assets3.0147%3,206
Loan and lease loss provision to assets-0.2559%7,172
Net operating income to assets0.7484%3,613
Return on assets (ROA)0.7484%3,889
Pretax return on assets1.0556%3,491
Return on Equity (ROE)7.5546%3,476
Retained earnings to average equity (ytd only)7.5546%1,838
Net charge-offs to loans1.1163%974
Credit loss provision to net charge-offs-30.7334%5,967
Earnings coverage of net charge-offs (x)0.9604%4,555
Efficiency ratio79.0343%2,318
Assets per employee ($millions)4.7215%2,539
Cash dividends to net income (ytd only)*0.0000%3,523
Condition Ratios (%)
Loss allowance to loans1.1030%5,759
Loan loss allowance to noncurrent loans353.9648%1,020
Noncurrent assets plus other real estate owned to assets2.7755%1,988
Noncurrent loans to loans0.3116%5,928
Net loans and leases to total assets72.6613%1,453
Net loans and leases to deposits119.2086%75
Net loans and leases to core deposits127.6882%227
Total domestic deposits to total assets60.9531%7,122
Equity capital to assets10.5328%3,647
Core capital (leverage) ratio10.0666%3,333
Tier 1 risk-based capital ratio16.3332%2,989
Total risk-based capital ratio17.5915%2,962
Memoranda:
Average total assets$206,320,3303,018
Average earning assets$184,113,0003,072
Average equity$20,438,0003,173
Average total loans$153,901,0002,552
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9823%1,949
Cost of funding earning assets1.9968%47
Net interest margin2.9855%6,320
Noninterest income to average assets0.9414%1,593
Noninterest expense to average assets2.8318%3,893
Loan and lease loss provision to assets0.1712%3,258
Net operating income to assets0.4526%5,024
Return on assets (ROA)0.4526%5,214
Pretax return on assets0.6029%5,108
Return on Equity (ROE)4.7097%4,931
Retained earnings to average equity (ytd only)4.7097%3,743
Net charge-offs to loans2.0557%451
Credit loss provision to net charge-offs11.0837%3,888
Earnings coverage of net charge-offs (x)0.5012%4,089
Efficiency ratio78.5338%2,421
Assets per employee ($millions)4.2565%3,477
Cash dividends to net income (ytd only)*0.0000%2,732
Condition Ratios (%)
Loss allowance to loans1.3077%4,988
Loan loss allowance to noncurrent loans391.9922%862
Noncurrent assets plus other real estate owned to assets2.2103%2,683
Noncurrent loans to loans0.3336%6,000
Net loans and leases to total assets72.6204%1,294
Net loans and leases to deposits118.6800%80
Net loans and leases to core deposits126.6191%229
Total domestic deposits to total assets61.1901%7,180
Equity capital to assets9.7532%4,452
Core capital (leverage) ratio9.3625%4,259
Tier 1 risk-based capital ratio15.2100%3,615
Total risk-based capital ratio16.4639%3,573
Memoranda:
Average total assets$210,328,0002,985
Average earning assets$187,704,5003,044
Average equity$20,213,5003,201
Average total loans$158,002,5002,509
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2582%1,839
Cost of funding earning assets2.1104%67
Net interest margin3.1478%6,224
Noninterest income to average assets0.1161%6,567
Noninterest expense to average assets2.6749%4,839
Loan and lease loss provision to assets0.1758%4,434
Net operating income to assets0.0731%5,921
Return on assets (ROA)0.0731%6,032
Pretax return on assets0.0657%6,025
Return on Equity (ROE)0.7834%6,006
Retained earnings to average equity (ytd only)0.7834%5,488
Net charge-offs to loans0.0208%6,153
Credit loss provision to net charge-offs1,117.6471%198
Earnings coverage of net charge-offs (x)15.3529%1,399
Efficiency ratio91.1961%1,103
Assets per employee ($millions)4.2418%3,388
Cash dividends to net income (ytd only)*0.0000%4,078
Condition Ratios (%)
Loss allowance to loans1.2194%5,299
Loan loss allowance to noncurrent loans61.9569%4,409
Noncurrent assets plus other real estate owned to assets3.0030%2,008
Noncurrent loans to loans1.9682%3,251
Net loans and leases to total assets75.7011%991
Net loans and leases to deposits126.6041%59
Net loans and leases to core deposits133.5027%206
Total domestic deposits to total assets59.7936%7,228
Equity capital to assets9.4701%4,927
Core capital (leverage) ratio9.0910%4,635
Tier 1 risk-based capital ratio13.7067%4,550
Total risk-based capital ratio14.9586%4,511
Memoranda:
Average total assets$216,158,4002,880
Average earning assets$192,290,0002,940
Average equity$20,167,6003,109
Average total loans$163,423,8002,449
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2911%1,897
Cost of funding earning assets2.1217%73
Net interest margin3.1694%6,235
Noninterest income to average assets0.1295%6,608
Noninterest expense to average assets2.6601%4,870
Loan and lease loss provision to assets0.1780%4,254
Net operating income to assets0.0988%5,965
Return on assets (ROA)0.0988%6,080
Pretax return on assets0.1123%6,070
Return on Equity (ROE)1.0633%6,057
Retained earnings to average equity (ytd only)1.0633%5,592
Net charge-offs to loans0.1295%4,750
Credit loss provision to net charge-offs182.3899%1,626
Earnings coverage of net charge-offs (x)2.9749%3,652
Efficiency ratio89.6380%1,192
Assets per employee ($millions)4.2134%3,420
Cash dividends to net income (ytd only)*0.0000%3,512
Condition Ratios (%)
Loss allowance to loans1.0989%5,895
Loan loss allowance to noncurrent loans42.1266%5,500
Noncurrent assets plus other real estate owned to assets3.6540%1,719
Noncurrent loans to loans2.6085%2,664
Net loans and leases to total assets75.3185%1,091
Net loans and leases to deposits128.9160%53
Net loans and leases to core deposits135.9904%198
Total domestic deposits to total assets58.4245%7,321
Equity capital to assets9.5414%5,017
Core capital (leverage) ratio9.1543%4,702
Tier 1 risk-based capital ratio13.6377%4,628
Total risk-based capital ratio14.8875%4,593
Memoranda:
Average total assets$217,176,0002,877
Average earning assets$193,299,2502,942
Average equity$20,188,2503,118
Average total loans$163,646,0002,459
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3324%1,780
Cost of funding earning assets2.1129%97
Net interest margin3.2195%6,102
Noninterest income to average assets-0.0146%7,216
Noninterest expense to average assets2.6442%5,024
Loan and lease loss provision to assets0.1368%4,598
Net operating income to assets0.0912%6,037
Return on assets (ROA)0.0912%6,114
Pretax return on assets0.0748%6,139
Return on Equity (ROE)0.9893%6,094
Retained earnings to average equity (ytd only)0.9893%5,472
Net charge-offs to loans0.3497%3,153
Credit loss provision to net charge-offs52.0833%4,532
Earnings coverage of net charge-offs (x)0.8056%4,695
Efficiency ratio92.0817%1,092
Assets per employee ($millions)4.4183%2,963
Cash dividends to net income (ytd only)*0.0000%3,290
Condition Ratios (%)
Loss allowance to loans1.0436%6,172
Loan loss allowance to noncurrent loans33.2935%6,079
Noncurrent assets plus other real estate owned to assets3.3968%1,943
Noncurrent loans to loans3.1345%2,295
Net loans and leases to total assets71.6808%1,848
Net loans and leases to deposits126.2900%70
Net loans and leases to core deposits133.1128%236
Total domestic deposits to total assets56.7589%7,400
Equity capital to assets9.2116%5,261
Core capital (leverage) ratio8.6940%5,232
Tier 1 risk-based capital ratio13.5929%4,456
Total risk-based capital ratio14.7869%4,486
Memoranda:
Average total assets$219,344,0002,869
Average earning assets$195,558,3302,930
Average equity$20,217,3303,092
Average total loans$164,715,3302,474
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5035%1,286
Cost of funding earning assets2.1492%101
Net interest margin3.3543%5,596
Noninterest income to average assets-0.4045%7,484
Noninterest expense to average assets2.6959%4,853
Loan and lease loss provision to assets0.2745%2,957
Net operating income to assets-0.2160%6,581
Return on assets (ROA)-0.2160%6,594
Pretax return on assets-0.3898%6,678
Return on Equity (ROE)-2.3423%6,620
Retained earnings to average equity (ytd only)-2.3423%6,202
Net charge-offs to loans0.7183%1,778
Credit loss provision to net charge-offs50.0000%3,744
Earnings coverage of net charge-offs (x)-0.2100%4,701
Efficiency ratio103.9007%631
Assets per employee ($millions)4.0816%3,678
Cash dividends to net income (ytd only)*0.0000%2,514
Condition Ratios (%)
Loss allowance to loans1.0407%6,248
Loan loss allowance to noncurrent loans35.1982%5,947
Noncurrent assets plus other real estate owned to assets3.3870%2,015
Noncurrent loans to loans2.9568%2,542
Net loans and leases to total assets74.9431%1,189
Net loans and leases to deposits133.3597%52
Net loans and leases to core deposits138.1402%204
Total domestic deposits to total assets56.1963%7,459
Equity capital to assets9.2842%4,756
Core capital (leverage) ratio8.7767%4,959
Tier 1 risk-based capital ratio13.1129%4,742
Total risk-based capital ratio14.3025%4,773
Memoranda:
Average total assets$218,557,5002,894
Average earning assets$194,495,0002,951
Average equity$20,151,0003,087
Average total loans$167,060,5002,471
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6029%1,879
Cost of funding earning assets2.4462%131
Net interest margin3.1567%6,372
Noninterest income to average assets0.2591%5,945
Noninterest expense to average assets2.4369%5,987
Loan and lease loss provision to assets1.5132%976
Net operating income to assets-0.5012%6,388
Return on assets (ROA)-0.4342%6,370
Pretax return on assets-0.7328%6,478
Return on Equity (ROE)-4.8087%6,417
Retained earnings to average equity (ytd only)-6.2342%6,403
Net charge-offs to loans1.2042%1,861
Credit loss provision to net charge-offs165.0445%2,083
Earnings coverage of net charge-offs (x)0.7370%5,380
Efficiency ratio77.8360%2,732
Assets per employee ($millions)4.3292%3,156
Cash dividends to net income (ytd only)*-29.6443%7,545
Condition Ratios (%)
Loss allowance to loans1.2748%5,136
Loan loss allowance to noncurrent loans86.7359%3,295
Noncurrent assets plus other real estate owned to assets2.6097%2,668
Noncurrent loans to loans1.4698%4,280
Net loans and leases to total assets76.1467%1,244
Net loans and leases to deposits132.6399%60
Net loans and leases to core deposits137.2270%247
Total domestic deposits to total assets57.4086%7,527
Equity capital to assets9.1571%4,907
Core capital (leverage) ratio8.6520%5,099
Tier 1 risk-based capital ratio12.5547%4,971
Total risk-based capital ratio13.8074%4,960
Memoranda:
Average total assets$233,081,6002,707
Average earning assets$210,695,4002,751
Average equity$21,045,2003,001
Average total loans$177,457,8002,384
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6028%2,048
Cost of funding earning assets2.4846%147
Net interest margin3.1182%6,572
Noninterest income to average assets0.2862%5,826
Noninterest expense to average assets2.4379%5,921
Loan and lease loss provision to assets1.9066%642
Net operating income to assets-0.7578%6,770
Return on assets (ROA)-0.7069%6,782
Pretax return on assets-1.1472%6,918
Return on Equity (ROE)-7.8547%6,828
Retained earnings to average equity (ytd only)-9.7369%6,864
Net charge-offs to loans1.5866%1,246
Credit loss provision to net charge-offs158.3216%2,410
Earnings coverage of net charge-offs (x)0.5645%5,452
Efficiency ratio77.7436%2,657
Assets per employee ($millions)4.5067%2,897
Cash dividends to net income (ytd only)*-23.9617%7,652
Condition Ratios (%)
Loss allowance to loans1.1541%5,693
Loan loss allowance to noncurrent loans39.0725%5,707
Noncurrent assets plus other real estate owned to assets3.1143%2,319
Noncurrent loans to loans2.9536%2,699
Net loans and leases to total assets75.3493%1,521
Net loans and leases to deposits134.2062%62
Net loans and leases to core deposits138.4738%273
Total domestic deposits to total assets56.1444%7,639
Equity capital to assets8.7133%5,990
Core capital (leverage) ratio8.2043%6,028
Tier 1 risk-based capital ratio12.2003%5,266
Total risk-based capital ratio13.4509%5,239
Memoranda:
Average total assets$236,154,2502,714
Average earning assets$214,434,2502,731
Average equity$21,252,0003,017
Average total loans$179,248,2502,401
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6177%2,070
Cost of funding earning assets2.5363%154
Net interest margin3.0814%6,651
Noninterest income to average assets0.3467%5,378
Noninterest expense to average assets2.2799%6,403
Loan and lease loss provision to assets0.5842%2,441
Net operating income to assets0.2335%5,443
Return on assets (ROA)0.3786%5,019
Pretax return on assets0.4734%4,992
Return on Equity (ROE)4.1643%4,706
Retained earnings to average equity (ytd only)1.3943%5,182
Net charge-offs to loans0.3045%3,791
Credit loss provision to net charge-offs253.0909%1,510
Earnings coverage of net charge-offs (x)3.7964%3,175
Efficiency ratio71.7819%3,853
Assets per employee ($millions)4.4642%2,933
Cash dividends to net income (ytd only)*66.5188%1,114
Condition Ratios (%)
Loss allowance to loans0.8493%6,911
Loan loss allowance to noncurrent loans34.3375%6,078
Noncurrent assets plus other real estate owned to assets1.9104%3,606
Noncurrent loans to loans2.4733%3,176
Net loans and leases to total assets74.8057%1,737
Net loans and leases to deposits132.1571%69
Net loans and leases to core deposits136.4905%325
Total domestic deposits to total assets56.6036%7,704
Equity capital to assets9.1359%5,240
Core capital (leverage) ratio8.6930%5,085
Tier 1 risk-based capital ratio13.1622%4,314
Total risk-based capital ratio14.1416%4,482
Memoranda:
Average total assets$238,258,0002,720
Average earning assets$217,242,0002,715
Average equity$21,660,3302,951
Average total loans$180,595,3302,418
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6674%1,894
Cost of funding earning assets2.5723%181
Net interest margin3.0952%6,603
Noninterest income to average assets0.3329%5,483
Noninterest expense to average assets2.2820%6,435
Loan and lease loss provision to assets0.2008%4,492
Net operating income to assets0.4768%4,507
Return on assets (ROA)0.4768%4,636
Pretax return on assets0.6726%4,328
Return on Equity (ROE)5.2577%4,230
Retained earnings to average equity (ytd only)3.4129%4,110
Net charge-offs to loans0.0044%5,558
Credit loss provision to net charge-offs6,000.0000%76
Earnings coverage of net charge-offs (x)261.0000%131
Efficiency ratio71.8982%3,947
Assets per employee ($millions)4.2683%3,347
Cash dividends to net income (ytd only)*35.0877%1,897
Condition Ratios (%)
Loss allowance to loans0.6754%7,387
Loan loss allowance to noncurrent loans28.7367%6,480
Noncurrent assets plus other real estate owned to assets1.8487%3,710
Noncurrent loans to loans2.3502%3,329
Net loans and leases to total assets76.2413%1,490
Net loans and leases to deposits134.8368%63
Net loans and leases to core deposits138.8795%339
Total domestic deposits to total assets56.5434%7,790
Equity capital to assets9.2922%4,847
Core capital (leverage) ratio8.7827%4,883
Tier 1 risk-based capital ratio12.8737%4,421
Total risk-based capital ratio13.6414%4,791
Memoranda:
Average total assets$239,084,5002,776
Average earning assets$218,017,5002,763
Average equity$21,682,5002,982
Average total loans$181,638,0002,469
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.8041%2,637
Cost of funding earning assets2.8785%330
Net interest margin2.9257%6,811
Noninterest income to average assets0.3093%5,869
Noninterest expense to average assets2.3007%6,748
Loan and lease loss provision to assets0.4477%4,141
Net operating income to assets0.1628%5,014
Return on assets (ROA)0.2768%4,711
Pretax return on assets0.3972%4,507
Return on Equity (ROE)3.1646%4,429
Retained earnings to average equity (ytd only)2.1175%3,626
Net charge-offs to loans0.3352%4,562
Credit loss provision to net charge-offs188.0342%2,148
Earnings coverage of net charge-offs (x)2.8650%3,656
Efficiency ratio76.8454%3,382
Assets per employee ($millions)4.4257%3,056
Cash dividends to net income (ytd only)*33.0882%3,202
Condition Ratios (%)
Loss allowance to loans0.5976%7,558
Loan loss allowance to noncurrent loans45.3002%5,379
Noncurrent assets plus other real estate owned to assets1.1376%4,819
Noncurrent loans to loans1.3191%4,718
Net loans and leases to total assets74.7635%2,085
Net loans and leases to deposits134.5578%71
Net loans and leases to core deposits187.1686%131
Total domestic deposits to total assets55.5624%7,860
Equity capital to assets8.8537%5,352
Core capital (leverage) ratio8.3877%5,461
Tier 1 risk-based capital ratio12.4936%4,530
Total risk-based capital ratio13.1695%4,967
Memoranda:
Average total assets$245,707,8002,652
Average earning assets$224,530,4002,658
Average equity$21,487,8003,013
Average total loans$174,499,4002,581
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.7798%2,981
Cost of funding earning assets2.9115%441
Net interest margin2.8683%6,921
Noninterest income to average assets0.2891%6,166
Noninterest expense to average assets2.3084%6,678
Loan and lease loss provision to assets0.4667%3,569
Net operating income to assets0.0924%5,484
Return on assets (ROA)0.2415%5,102
Pretax return on assets0.3519%4,927
Return on Equity (ROE)2.7694%4,892
Retained earnings to average equity (ytd only)1.3723%4,552
Net charge-offs to loans0.3945%3,691
Credit loss provision to net charge-offs169.0196%2,766
Earnings coverage of net charge-offs (x)2.1824%4,188
Efficiency ratio79.0404%2,988
Assets per employee ($millions)4.4892%2,880
Cash dividends to net income (ytd only)*50.4482%1,985
Condition Ratios (%)
Loss allowance to loans0.5073%7,704
Loan loss allowance to noncurrent loans53.9443%4,733
Noncurrent assets plus other real estate owned to assets0.8550%5,383
Noncurrent loans to loans0.9405%5,416
Net loans and leases to total assets73.8651%2,563
Net loans and leases to deposits133.8206%87
Net loans and leases to core deposits185.2078%156
Total domestic deposits to total assets55.1972%7,933
Equity capital to assets8.6305%6,070
Core capital (leverage) ratio8.1725%6,066
Tier 1 risk-based capital ratio12.0675%4,909
Total risk-based capital ratio12.6289%5,499
Memoranda:
Average total assets$246,281,5002,659
Average earning assets$225,121,2502,670
Average equity$21,472,0003,033
Average total loans$172,354,7502,632
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.7332%3,379
Cost of funding earning assets2.9355%564
Net interest margin2.7977%7,016
Noninterest income to average assets0.2926%6,175
Noninterest expense to average assets2.2270%6,983
Loan and lease loss provision to assets0.3487%3,834
Net operating income to assets0.1886%5,310
Return on assets (ROA)0.3154%4,938
Pretax return on assets0.4576%4,757
Return on Equity (ROE)3.6049%4,662
Retained earnings to average equity (ytd only)3.6049%3,291
Net charge-offs to loans0.2656%3,866
Credit loss provision to net charge-offs191.5179%2,387
Earnings coverage of net charge-offs (x)3.4196%3,442
Efficiency ratio77.9521%3,354
Assets per employee ($millions)4.4970%2,779
Cash dividends to net income (ytd only)*0.0000%3,532
Condition Ratios (%)
Loss allowance to loans0.4435%7,849
Loan loss allowance to noncurrent loans39.8462%5,734
Noncurrent assets plus other real estate owned to assets0.9170%5,141
Noncurrent loans to loans1.1129%4,991
Net loans and leases to total assets70.5276%3,573
Net loans and leases to deposits140.5036%81
Net loans and leases to core deposits194.3945%143
Total domestic deposits to total assets50.1963%8,057
Equity capital to assets8.8047%5,590
Core capital (leverage) ratio8.2329%5,916
Tier 1 risk-based capital ratio12.4985%4,523
Total risk-based capital ratio12.9796%5,092
Memoranda:
Average total assets$246,074,0002,680
Average earning assets$224,899,6702,691
Average equity$21,526,3303,026
Average total loans$168,704,3302,698
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.7324%3,630
Cost of funding earning assets2.9910%616
Net interest margin2.7414%7,116
Noninterest income to average assets0.2559%6,408
Noninterest expense to average assets2.1936%6,888
Loan and lease loss provision to assets0.1809%4,635
Net operating income to assets0.2697%5,410
Return on assets (ROA)0.3585%5,212
Pretax return on assets0.5166%5,028
Return on Equity (ROE)4.1120%4,880
Retained earnings to average equity (ytd only)4.1120%3,613
Net charge-offs to loans0.0024%5,705
Credit loss provision to net charge-offs11,100.0000%50
Earnings coverage of net charge-offs (x)349.0000%106
Efficiency ratio79.2330%2,961
Assets per employee ($millions)4.5033%2,713
Cash dividends to net income (ytd only)*0.0000%2,832
Condition Ratios (%)
Loss allowance to loans0.4021%7,941
Loan loss allowance to noncurrent loans263.9535%1,274
Noncurrent assets plus other real estate owned to assets0.1365%7,178
Noncurrent loans to loans0.1523%7,084
Net loans and leases to total assets68.1068%4,110
Net loans and leases to deposits138.5013%97
Net loans and leases to core deposits194.1275%160
Total domestic deposits to total assets49.1741%8,105
Equity capital to assets8.6599%5,826
Core capital (leverage) ratio8.1430%6,198
Tier 1 risk-based capital ratio12.7407%4,352
Total risk-based capital ratio13.1739%4,931
Memoranda:
Average total assets$245,444,5002,703
Average earning assets$224,409,0002,715
Average equity$21,401,0003,061
Average total loans$165,449,0002,764
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.0433%5,337
Cost of funding earning assets3.4571%588
Net interest margin2.5862%7,658
Noninterest income to average assets0.4198%5,300
Noninterest expense to average assets2.0545%7,336
Loan and lease loss provision to assets0.6683%2,176
Net operating income to assets0.0788%6,162
Return on assets (ROA)0.1020%5,948
Pretax return on assets0.0814%5,984
Return on Equity (ROE)1.1118%5,885
Retained earnings to average equity (ytd only)1.1118%4,564
Net charge-offs to loans-0.0197%7,925
Credit loss provision to net charge-offs-5,379.3103%7,521
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio73.8139%3,616
Assets per employee ($millions)4.5038%2,612
Cash dividends to net income (ytd only)*0.0000%4,825
Condition Ratios (%)
Loss allowance to loans0.3560%8,037
Loan loss allowance to noncurrent loans218.6312%1,781
Noncurrent assets plus other real estate owned to assets0.1863%6,812
Noncurrent loans to loans0.1628%6,912
Net loans and leases to total assets66.1797%4,812
Net loans and leases to deposits137.4210%125
Net loans and leases to core deposits191.4238%212
Total domestic deposits to total assets48.1584%8,141
Equity capital to assets8.7798%5,688
Core capital (leverage) ratio8.1849%6,190
Tier 1 risk-based capital ratio12.9277%4,150
Total risk-based capital ratio13.3034%4,663
Memoranda:
Average total assets$233,435,8002,719
Average earning assets$213,129,4002,735
Average equity$21,407,2003,049
Average total loans$146,973,0002,978