Home > First Federal Bank Texas > Performance and Condition Ratios
First Federal Bank Texas, Performance and Condition Ratios
| 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 | 4.9263% | 1,759 |
| Cost of funding earning assets | 2.0097% | 28 |
| Net interest margin | 2.9166% | 6,196 |
| Noninterest income to average assets | 0.7893% | 2,305 |
| Noninterest expense to average assets | 5.6046% | 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 loans | 0.5882% | 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 ratio | 165.3120% | 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 loans | 1.3356% | 4,472 |
| Loan loss allowance to noncurrent loans | 71.2753% | 4,216 |
| Noncurrent assets plus other real estate owned to assets | 3.8764% | 1,125 |
| Noncurrent loans to loans | 1.8738% | 2,832 |
| Net loans and leases to total assets | 76.8763% | 802 |
| Net loans and leases to deposits | 113.6135% | 119 |
| Net loans and leases to core deposits | 121.3072% | 265 |
| Total domestic deposits to total assets | 67.6647% | 6,866 |
| Equity capital to assets | 9.2417% | 5,219 |
| Core capital (leverage) ratio | 8.4734% | 5,652 |
| Tier 1 risk-based capital ratio | 13.3330% | 4,877 |
| Total risk-based capital ratio | 14.5875% | 4,823 |
| Memoranda: | ||
| Average total assets | $195,231,800 | 3,107 |
| Average earning assets | $174,107,800 | 3,172 |
| Average equity | $19,375,000 | 3,278 |
| Average total loans | $146,047,200 | 2,629 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8756% | 2,103 |
| Cost of funding earning assets | 1.9855% | 32 |
| Net interest margin | 2.8901% | 6,380 |
| Noninterest income to average assets | 0.9031% | 1,813 |
| Noninterest expense to average assets | 3.1366% | 2,774 |
| Loan and lease loss provision to assets | -0.1343% | 7,060 |
| Net operating income to assets | 0.0922% | 6,139 |
| Return on assets (ROA) | 0.0922% | 6,282 |
| Pretax return on assets | 0.4812% | 5,514 |
| Return on Equity (ROE) | 0.9157% | 6,264 |
| Retained earnings to average equity (ytd only) | 0.9157% | 5,804 |
| Net charge-offs to loans | 0.7624% | 1,448 |
| Credit loss provision to net charge-offs | -23.7485% | 6,130 |
| Earnings coverage of net charge-offs (x) | 0.6135% | 5,011 |
| Efficiency ratio | 90.0416% | 1,037 |
| Assets per employee ($millions) | 4.7811% | 2,490 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1973% | 5,294 |
| Loan loss allowance to noncurrent loans | 173.8269% | 1,998 |
| Noncurrent assets plus other real estate owned to assets | 2.9747% | 1,758 |
| Noncurrent loans to loans | 0.6888% | 5,064 |
| Net loans and leases to total assets | 71.9289% | 1,564 |
| Net loans and leases to deposits | 118.5935% | 84 |
| Net loans and leases to core deposits | 126.4434% | 225 |
| Total domestic deposits to total assets | 60.6516% | 7,057 |
| Equity capital to assets | 10.5750% | 3,763 |
| Core capital (leverage) ratio | 9.9116% | 3,680 |
| Tier 1 risk-based capital ratio | 16.2506% | 3,131 |
| Total risk-based capital ratio | 17.5084% | 3,093 |
| Memoranda: | ||
| Average total assets | $202,551,000 | 3,048 |
| Average earning assets | $180,839,750 | 3,109 |
| Average equity | $20,384,500 | 3,187 |
| Average total loans | $150,232,250 | 2,602 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9209% | 2,024 |
| Cost of funding earning assets | 1.9966% | 36 |
| Net interest margin | 2.9243% | 6,389 |
| Noninterest income to average assets | 1.2049% | 987 |
| Noninterest expense to average assets | 3.0147% | 3,206 |
| Loan and lease loss provision to assets | -0.2559% | 7,172 |
| Net operating income to assets | 0.7484% | 3,613 |
| Return on assets (ROA) | 0.7484% | 3,889 |
| Pretax return on assets | 1.0556% | 3,491 |
| Return on Equity (ROE) | 7.5546% | 3,476 |
| Retained earnings to average equity (ytd only) | 7.5546% | 1,838 |
| Net charge-offs to loans | 1.1163% | 974 |
| Credit loss provision to net charge-offs | -30.7334% | 5,967 |
| Earnings coverage of net charge-offs (x) | 0.9604% | 4,555 |
| Efficiency ratio | 79.0343% | 2,318 |
| Assets per employee ($millions) | 4.7215% | 2,539 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1030% | 5,759 |
| Loan loss allowance to noncurrent loans | 353.9648% | 1,020 |
| Noncurrent assets plus other real estate owned to assets | 2.7755% | 1,988 |
| Noncurrent loans to loans | 0.3116% | 5,928 |
| Net loans and leases to total assets | 72.6613% | 1,453 |
| Net loans and leases to deposits | 119.2086% | 75 |
| Net loans and leases to core deposits | 127.6882% | 227 |
| Total domestic deposits to total assets | 60.9531% | 7,122 |
| Equity capital to assets | 10.5328% | 3,647 |
| Core capital (leverage) ratio | 10.0666% | 3,333 |
| Tier 1 risk-based capital ratio | 16.3332% | 2,989 |
| Total risk-based capital ratio | 17.5915% | 2,962 |
| Memoranda: | ||
| Average total assets | $206,320,330 | 3,018 |
| Average earning assets | $184,113,000 | 3,072 |
| Average equity | $20,438,000 | 3,173 |
| Average total loans | $153,901,000 | 2,552 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9823% | 1,949 |
| Cost of funding earning assets | 1.9968% | 47 |
| Net interest margin | 2.9855% | 6,320 |
| Noninterest income to average assets | 0.9414% | 1,593 |
| Noninterest expense to average assets | 2.8318% | 3,893 |
| Loan and lease loss provision to assets | 0.1712% | 3,258 |
| Net operating income to assets | 0.4526% | 5,024 |
| Return on assets (ROA) | 0.4526% | 5,214 |
| Pretax return on assets | 0.6029% | 5,108 |
| Return on Equity (ROE) | 4.7097% | 4,931 |
| Retained earnings to average equity (ytd only) | 4.7097% | 3,743 |
| Net charge-offs to loans | 2.0557% | 451 |
| Credit loss provision to net charge-offs | 11.0837% | 3,888 |
| Earnings coverage of net charge-offs (x) | 0.5012% | 4,089 |
| Efficiency ratio | 78.5338% | 2,421 |
| Assets per employee ($millions) | 4.2565% | 3,477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3077% | 4,988 |
| Loan loss allowance to noncurrent loans | 391.9922% | 862 |
| Noncurrent assets plus other real estate owned to assets | 2.2103% | 2,683 |
| Noncurrent loans to loans | 0.3336% | 6,000 |
| Net loans and leases to total assets | 72.6204% | 1,294 |
| Net loans and leases to deposits | 118.6800% | 80 |
| Net loans and leases to core deposits | 126.6191% | 229 |
| Total domestic deposits to total assets | 61.1901% | 7,180 |
| Equity capital to assets | 9.7532% | 4,452 |
| Core capital (leverage) ratio | 9.3625% | 4,259 |
| Tier 1 risk-based capital ratio | 15.2100% | 3,615 |
| Total risk-based capital ratio | 16.4639% | 3,573 |
| Memoranda: | ||
| Average total assets | $210,328,000 | 2,985 |
| Average earning assets | $187,704,500 | 3,044 |
| Average equity | $20,213,500 | 3,201 |
| Average total loans | $158,002,500 | 2,509 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2582% | 1,839 |
| Cost of funding earning assets | 2.1104% | 67 |
| Net interest margin | 3.1478% | 6,224 |
| Noninterest income to average assets | 0.1161% | 6,567 |
| Noninterest expense to average assets | 2.6749% | 4,839 |
| Loan and lease loss provision to assets | 0.1758% | 4,434 |
| Net operating income to assets | 0.0731% | 5,921 |
| Return on assets (ROA) | 0.0731% | 6,032 |
| Pretax return on assets | 0.0657% | 6,025 |
| Return on Equity (ROE) | 0.7834% | 6,006 |
| Retained earnings to average equity (ytd only) | 0.7834% | 5,488 |
| Net charge-offs to loans | 0.0208% | 6,153 |
| Credit loss provision to net charge-offs | 1,117.6471% | 198 |
| Earnings coverage of net charge-offs (x) | 15.3529% | 1,399 |
| Efficiency ratio | 91.1961% | 1,103 |
| Assets per employee ($millions) | 4.2418% | 3,388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2194% | 5,299 |
| Loan loss allowance to noncurrent loans | 61.9569% | 4,409 |
| Noncurrent assets plus other real estate owned to assets | 3.0030% | 2,008 |
| Noncurrent loans to loans | 1.9682% | 3,251 |
| Net loans and leases to total assets | 75.7011% | 991 |
| Net loans and leases to deposits | 126.6041% | 59 |
| Net loans and leases to core deposits | 133.5027% | 206 |
| Total domestic deposits to total assets | 59.7936% | 7,228 |
| Equity capital to assets | 9.4701% | 4,927 |
| Core capital (leverage) ratio | 9.0910% | 4,635 |
| Tier 1 risk-based capital ratio | 13.7067% | 4,550 |
| Total risk-based capital ratio | 14.9586% | 4,511 |
| Memoranda: | ||
| Average total assets | $216,158,400 | 2,880 |
| Average earning assets | $192,290,000 | 2,940 |
| Average equity | $20,167,600 | 3,109 |
| Average total loans | $163,423,800 | 2,449 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2911% | 1,897 |
| Cost of funding earning assets | 2.1217% | 73 |
| Net interest margin | 3.1694% | 6,235 |
| Noninterest income to average assets | 0.1295% | 6,608 |
| Noninterest expense to average assets | 2.6601% | 4,870 |
| Loan and lease loss provision to assets | 0.1780% | 4,254 |
| Net operating income to assets | 0.0988% | 5,965 |
| Return on assets (ROA) | 0.0988% | 6,080 |
| Pretax return on assets | 0.1123% | 6,070 |
| Return on Equity (ROE) | 1.0633% | 6,057 |
| Retained earnings to average equity (ytd only) | 1.0633% | 5,592 |
| Net charge-offs to loans | 0.1295% | 4,750 |
| Credit loss provision to net charge-offs | 182.3899% | 1,626 |
| Earnings coverage of net charge-offs (x) | 2.9749% | 3,652 |
| Efficiency ratio | 89.6380% | 1,192 |
| Assets per employee ($millions) | 4.2134% | 3,420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0989% | 5,895 |
| Loan loss allowance to noncurrent loans | 42.1266% | 5,500 |
| Noncurrent assets plus other real estate owned to assets | 3.6540% | 1,719 |
| Noncurrent loans to loans | 2.6085% | 2,664 |
| Net loans and leases to total assets | 75.3185% | 1,091 |
| Net loans and leases to deposits | 128.9160% | 53 |
| Net loans and leases to core deposits | 135.9904% | 198 |
| Total domestic deposits to total assets | 58.4245% | 7,321 |
| Equity capital to assets | 9.5414% | 5,017 |
| Core capital (leverage) ratio | 9.1543% | 4,702 |
| Tier 1 risk-based capital ratio | 13.6377% | 4,628 |
| Total risk-based capital ratio | 14.8875% | 4,593 |
| Memoranda: | ||
| Average total assets | $217,176,000 | 2,877 |
| Average earning assets | $193,299,250 | 2,942 |
| Average equity | $20,188,250 | 3,118 |
| Average total loans | $163,646,000 | 2,459 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3324% | 1,780 |
| Cost of funding earning assets | 2.1129% | 97 |
| Net interest margin | 3.2195% | 6,102 |
| Noninterest income to average assets | -0.0146% | 7,216 |
| Noninterest expense to average assets | 2.6442% | 5,024 |
| Loan and lease loss provision to assets | 0.1368% | 4,598 |
| Net operating income to assets | 0.0912% | 6,037 |
| Return on assets (ROA) | 0.0912% | 6,114 |
| Pretax return on assets | 0.0748% | 6,139 |
| Return on Equity (ROE) | 0.9893% | 6,094 |
| Retained earnings to average equity (ytd only) | 0.9893% | 5,472 |
| Net charge-offs to loans | 0.3497% | 3,153 |
| Credit loss provision to net charge-offs | 52.0833% | 4,532 |
| Earnings coverage of net charge-offs (x) | 0.8056% | 4,695 |
| Efficiency ratio | 92.0817% | 1,092 |
| Assets per employee ($millions) | 4.4183% | 2,963 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0436% | 6,172 |
| Loan loss allowance to noncurrent loans | 33.2935% | 6,079 |
| Noncurrent assets plus other real estate owned to assets | 3.3968% | 1,943 |
| Noncurrent loans to loans | 3.1345% | 2,295 |
| Net loans and leases to total assets | 71.6808% | 1,848 |
| Net loans and leases to deposits | 126.2900% | 70 |
| Net loans and leases to core deposits | 133.1128% | 236 |
| Total domestic deposits to total assets | 56.7589% | 7,400 |
| Equity capital to assets | 9.2116% | 5,261 |
| Core capital (leverage) ratio | 8.6940% | 5,232 |
| Tier 1 risk-based capital ratio | 13.5929% | 4,456 |
| Total risk-based capital ratio | 14.7869% | 4,486 |
| Memoranda: | ||
| Average total assets | $219,344,000 | 2,869 |
| Average earning assets | $195,558,330 | 2,930 |
| Average equity | $20,217,330 | 3,092 |
| Average total loans | $164,715,330 | 2,474 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5035% | 1,286 |
| Cost of funding earning assets | 2.1492% | 101 |
| Net interest margin | 3.3543% | 5,596 |
| Noninterest income to average assets | -0.4045% | 7,484 |
| Noninterest expense to average assets | 2.6959% | 4,853 |
| Loan and lease loss provision to assets | 0.2745% | 2,957 |
| Net operating income to assets | -0.2160% | 6,581 |
| Return on assets (ROA) | -0.2160% | 6,594 |
| Pretax return on assets | -0.3898% | 6,678 |
| Return on Equity (ROE) | -2.3423% | 6,620 |
| Retained earnings to average equity (ytd only) | -2.3423% | 6,202 |
| Net charge-offs to loans | 0.7183% | 1,778 |
| Credit loss provision to net charge-offs | 50.0000% | 3,744 |
| Earnings coverage of net charge-offs (x) | -0.2100% | 4,701 |
| Efficiency ratio | 103.9007% | 631 |
| Assets per employee ($millions) | 4.0816% | 3,678 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0407% | 6,248 |
| Loan loss allowance to noncurrent loans | 35.1982% | 5,947 |
| Noncurrent assets plus other real estate owned to assets | 3.3870% | 2,015 |
| Noncurrent loans to loans | 2.9568% | 2,542 |
| Net loans and leases to total assets | 74.9431% | 1,189 |
| Net loans and leases to deposits | 133.3597% | 52 |
| Net loans and leases to core deposits | 138.1402% | 204 |
| Total domestic deposits to total assets | 56.1963% | 7,459 |
| Equity capital to assets | 9.2842% | 4,756 |
| Core capital (leverage) ratio | 8.7767% | 4,959 |
| Tier 1 risk-based capital ratio | 13.1129% | 4,742 |
| Total risk-based capital ratio | 14.3025% | 4,773 |
| Memoranda: | ||
| Average total assets | $218,557,500 | 2,894 |
| Average earning assets | $194,495,000 | 2,951 |
| Average equity | $20,151,000 | 3,087 |
| Average total loans | $167,060,500 | 2,471 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6029% | 1,879 |
| Cost of funding earning assets | 2.4462% | 131 |
| Net interest margin | 3.1567% | 6,372 |
| Noninterest income to average assets | 0.2591% | 5,945 |
| Noninterest expense to average assets | 2.4369% | 5,987 |
| Loan and lease loss provision to assets | 1.5132% | 976 |
| Net operating income to assets | -0.5012% | 6,388 |
| Return on assets (ROA) | -0.4342% | 6,370 |
| Pretax return on assets | -0.7328% | 6,478 |
| Return on Equity (ROE) | -4.8087% | 6,417 |
| Retained earnings to average equity (ytd only) | -6.2342% | 6,403 |
| Net charge-offs to loans | 1.2042% | 1,861 |
| Credit loss provision to net charge-offs | 165.0445% | 2,083 |
| Earnings coverage of net charge-offs (x) | 0.7370% | 5,380 |
| Efficiency ratio | 77.8360% | 2,732 |
| Assets per employee ($millions) | 4.3292% | 3,156 |
| Cash dividends to net income (ytd only)* | -29.6443% | 7,545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2748% | 5,136 |
| Loan loss allowance to noncurrent loans | 86.7359% | 3,295 |
| Noncurrent assets plus other real estate owned to assets | 2.6097% | 2,668 |
| Noncurrent loans to loans | 1.4698% | 4,280 |
| Net loans and leases to total assets | 76.1467% | 1,244 |
| Net loans and leases to deposits | 132.6399% | 60 |
| Net loans and leases to core deposits | 137.2270% | 247 |
| Total domestic deposits to total assets | 57.4086% | 7,527 |
| Equity capital to assets | 9.1571% | 4,907 |
| Core capital (leverage) ratio | 8.6520% | 5,099 |
| Tier 1 risk-based capital ratio | 12.5547% | 4,971 |
| Total risk-based capital ratio | 13.8074% | 4,960 |
| Memoranda: | ||
| Average total assets | $233,081,600 | 2,707 |
| Average earning assets | $210,695,400 | 2,751 |
| Average equity | $21,045,200 | 3,001 |
| Average total loans | $177,457,800 | 2,384 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6028% | 2,048 |
| Cost of funding earning assets | 2.4846% | 147 |
| Net interest margin | 3.1182% | 6,572 |
| Noninterest income to average assets | 0.2862% | 5,826 |
| Noninterest expense to average assets | 2.4379% | 5,921 |
| Loan and lease loss provision to assets | 1.9066% | 642 |
| Net operating income to assets | -0.7578% | 6,770 |
| Return on assets (ROA) | -0.7069% | 6,782 |
| Pretax return on assets | -1.1472% | 6,918 |
| Return on Equity (ROE) | -7.8547% | 6,828 |
| Retained earnings to average equity (ytd only) | -9.7369% | 6,864 |
| Net charge-offs to loans | 1.5866% | 1,246 |
| Credit loss provision to net charge-offs | 158.3216% | 2,410 |
| Earnings coverage of net charge-offs (x) | 0.5645% | 5,452 |
| Efficiency ratio | 77.7436% | 2,657 |
| Assets per employee ($millions) | 4.5067% | 2,897 |
| Cash dividends to net income (ytd only)* | -23.9617% | 7,652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1541% | 5,693 |
| Loan loss allowance to noncurrent loans | 39.0725% | 5,707 |
| Noncurrent assets plus other real estate owned to assets | 3.1143% | 2,319 |
| Noncurrent loans to loans | 2.9536% | 2,699 |
| Net loans and leases to total assets | 75.3493% | 1,521 |
| Net loans and leases to deposits | 134.2062% | 62 |
| Net loans and leases to core deposits | 138.4738% | 273 |
| Total domestic deposits to total assets | 56.1444% | 7,639 |
| Equity capital to assets | 8.7133% | 5,990 |
| Core capital (leverage) ratio | 8.2043% | 6,028 |
| Tier 1 risk-based capital ratio | 12.2003% | 5,266 |
| Total risk-based capital ratio | 13.4509% | 5,239 |
| Memoranda: | ||
| Average total assets | $236,154,250 | 2,714 |
| Average earning assets | $214,434,250 | 2,731 |
| Average equity | $21,252,000 | 3,017 |
| Average total loans | $179,248,250 | 2,401 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6177% | 2,070 |
| Cost of funding earning assets | 2.5363% | 154 |
| Net interest margin | 3.0814% | 6,651 |
| Noninterest income to average assets | 0.3467% | 5,378 |
| Noninterest expense to average assets | 2.2799% | 6,403 |
| Loan and lease loss provision to assets | 0.5842% | 2,441 |
| Net operating income to assets | 0.2335% | 5,443 |
| Return on assets (ROA) | 0.3786% | 5,019 |
| Pretax return on assets | 0.4734% | 4,992 |
| Return on Equity (ROE) | 4.1643% | 4,706 |
| Retained earnings to average equity (ytd only) | 1.3943% | 5,182 |
| Net charge-offs to loans | 0.3045% | 3,791 |
| Credit loss provision to net charge-offs | 253.0909% | 1,510 |
| Earnings coverage of net charge-offs (x) | 3.7964% | 3,175 |
| Efficiency ratio | 71.7819% | 3,853 |
| Assets per employee ($millions) | 4.4642% | 2,933 |
| Cash dividends to net income (ytd only)* | 66.5188% | 1,114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8493% | 6,911 |
| Loan loss allowance to noncurrent loans | 34.3375% | 6,078 |
| Noncurrent assets plus other real estate owned to assets | 1.9104% | 3,606 |
| Noncurrent loans to loans | 2.4733% | 3,176 |
| Net loans and leases to total assets | 74.8057% | 1,737 |
| Net loans and leases to deposits | 132.1571% | 69 |
| Net loans and leases to core deposits | 136.4905% | 325 |
| Total domestic deposits to total assets | 56.6036% | 7,704 |
| Equity capital to assets | 9.1359% | 5,240 |
| Core capital (leverage) ratio | 8.6930% | 5,085 |
| Tier 1 risk-based capital ratio | 13.1622% | 4,314 |
| Total risk-based capital ratio | 14.1416% | 4,482 |
| Memoranda: | ||
| Average total assets | $238,258,000 | 2,720 |
| Average earning assets | $217,242,000 | 2,715 |
| Average equity | $21,660,330 | 2,951 |
| Average total loans | $180,595,330 | 2,418 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6674% | 1,894 |
| Cost of funding earning assets | 2.5723% | 181 |
| Net interest margin | 3.0952% | 6,603 |
| Noninterest income to average assets | 0.3329% | 5,483 |
| Noninterest expense to average assets | 2.2820% | 6,435 |
| Loan and lease loss provision to assets | 0.2008% | 4,492 |
| Net operating income to assets | 0.4768% | 4,507 |
| Return on assets (ROA) | 0.4768% | 4,636 |
| Pretax return on assets | 0.6726% | 4,328 |
| Return on Equity (ROE) | 5.2577% | 4,230 |
| Retained earnings to average equity (ytd only) | 3.4129% | 4,110 |
| Net charge-offs to loans | 0.0044% | 5,558 |
| Credit loss provision to net charge-offs | 6,000.0000% | 76 |
| Earnings coverage of net charge-offs (x) | 261.0000% | 131 |
| Efficiency ratio | 71.8982% | 3,947 |
| Assets per employee ($millions) | 4.2683% | 3,347 |
| Cash dividends to net income (ytd only)* | 35.0877% | 1,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6754% | 7,387 |
| Loan loss allowance to noncurrent loans | 28.7367% | 6,480 |
| Noncurrent assets plus other real estate owned to assets | 1.8487% | 3,710 |
| Noncurrent loans to loans | 2.3502% | 3,329 |
| Net loans and leases to total assets | 76.2413% | 1,490 |
| Net loans and leases to deposits | 134.8368% | 63 |
| Net loans and leases to core deposits | 138.8795% | 339 |
| Total domestic deposits to total assets | 56.5434% | 7,790 |
| Equity capital to assets | 9.2922% | 4,847 |
| Core capital (leverage) ratio | 8.7827% | 4,883 |
| Tier 1 risk-based capital ratio | 12.8737% | 4,421 |
| Total risk-based capital ratio | 13.6414% | 4,791 |
| Memoranda: | ||
| Average total assets | $239,084,500 | 2,776 |
| Average earning assets | $218,017,500 | 2,763 |
| Average equity | $21,682,500 | 2,982 |
| Average total loans | $181,638,000 | 2,469 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8041% | 2,637 |
| Cost of funding earning assets | 2.8785% | 330 |
| Net interest margin | 2.9257% | 6,811 |
| Noninterest income to average assets | 0.3093% | 5,869 |
| Noninterest expense to average assets | 2.3007% | 6,748 |
| Loan and lease loss provision to assets | 0.4477% | 4,141 |
| Net operating income to assets | 0.1628% | 5,014 |
| Return on assets (ROA) | 0.2768% | 4,711 |
| Pretax return on assets | 0.3972% | 4,507 |
| Return on Equity (ROE) | 3.1646% | 4,429 |
| Retained earnings to average equity (ytd only) | 2.1175% | 3,626 |
| Net charge-offs to loans | 0.3352% | 4,562 |
| Credit loss provision to net charge-offs | 188.0342% | 2,148 |
| Earnings coverage of net charge-offs (x) | 2.8650% | 3,656 |
| Efficiency ratio | 76.8454% | 3,382 |
| Assets per employee ($millions) | 4.4257% | 3,056 |
| Cash dividends to net income (ytd only)* | 33.0882% | 3,202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5976% | 7,558 |
| Loan loss allowance to noncurrent loans | 45.3002% | 5,379 |
| Noncurrent assets plus other real estate owned to assets | 1.1376% | 4,819 |
| Noncurrent loans to loans | 1.3191% | 4,718 |
| Net loans and leases to total assets | 74.7635% | 2,085 |
| Net loans and leases to deposits | 134.5578% | 71 |
| Net loans and leases to core deposits | 187.1686% | 131 |
| Total domestic deposits to total assets | 55.5624% | 7,860 |
| Equity capital to assets | 8.8537% | 5,352 |
| Core capital (leverage) ratio | 8.3877% | 5,461 |
| Tier 1 risk-based capital ratio | 12.4936% | 4,530 |
| Total risk-based capital ratio | 13.1695% | 4,967 |
| Memoranda: | ||
| Average total assets | $245,707,800 | 2,652 |
| Average earning assets | $224,530,400 | 2,658 |
| Average equity | $21,487,800 | 3,013 |
| Average total loans | $174,499,400 | 2,581 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7798% | 2,981 |
| Cost of funding earning assets | 2.9115% | 441 |
| Net interest margin | 2.8683% | 6,921 |
| Noninterest income to average assets | 0.2891% | 6,166 |
| Noninterest expense to average assets | 2.3084% | 6,678 |
| Loan and lease loss provision to assets | 0.4667% | 3,569 |
| Net operating income to assets | 0.0924% | 5,484 |
| Return on assets (ROA) | 0.2415% | 5,102 |
| Pretax return on assets | 0.3519% | 4,927 |
| Return on Equity (ROE) | 2.7694% | 4,892 |
| Retained earnings to average equity (ytd only) | 1.3723% | 4,552 |
| Net charge-offs to loans | 0.3945% | 3,691 |
| Credit loss provision to net charge-offs | 169.0196% | 2,766 |
| Earnings coverage of net charge-offs (x) | 2.1824% | 4,188 |
| Efficiency ratio | 79.0404% | 2,988 |
| Assets per employee ($millions) | 4.4892% | 2,880 |
| Cash dividends to net income (ytd only)* | 50.4482% | 1,985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5073% | 7,704 |
| Loan loss allowance to noncurrent loans | 53.9443% | 4,733 |
| Noncurrent assets plus other real estate owned to assets | 0.8550% | 5,383 |
| Noncurrent loans to loans | 0.9405% | 5,416 |
| Net loans and leases to total assets | 73.8651% | 2,563 |
| Net loans and leases to deposits | 133.8206% | 87 |
| Net loans and leases to core deposits | 185.2078% | 156 |
| Total domestic deposits to total assets | 55.1972% | 7,933 |
| Equity capital to assets | 8.6305% | 6,070 |
| Core capital (leverage) ratio | 8.1725% | 6,066 |
| Tier 1 risk-based capital ratio | 12.0675% | 4,909 |
| Total risk-based capital ratio | 12.6289% | 5,499 |
| Memoranda: | ||
| Average total assets | $246,281,500 | 2,659 |
| Average earning assets | $225,121,250 | 2,670 |
| Average equity | $21,472,000 | 3,033 |
| Average total loans | $172,354,750 | 2,632 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7332% | 3,379 |
| Cost of funding earning assets | 2.9355% | 564 |
| Net interest margin | 2.7977% | 7,016 |
| Noninterest income to average assets | 0.2926% | 6,175 |
| Noninterest expense to average assets | 2.2270% | 6,983 |
| Loan and lease loss provision to assets | 0.3487% | 3,834 |
| Net operating income to assets | 0.1886% | 5,310 |
| Return on assets (ROA) | 0.3154% | 4,938 |
| Pretax return on assets | 0.4576% | 4,757 |
| Return on Equity (ROE) | 3.6049% | 4,662 |
| Retained earnings to average equity (ytd only) | 3.6049% | 3,291 |
| Net charge-offs to loans | 0.2656% | 3,866 |
| Credit loss provision to net charge-offs | 191.5179% | 2,387 |
| Earnings coverage of net charge-offs (x) | 3.4196% | 3,442 |
| Efficiency ratio | 77.9521% | 3,354 |
| Assets per employee ($millions) | 4.4970% | 2,779 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4435% | 7,849 |
| Loan loss allowance to noncurrent loans | 39.8462% | 5,734 |
| Noncurrent assets plus other real estate owned to assets | 0.9170% | 5,141 |
| Noncurrent loans to loans | 1.1129% | 4,991 |
| Net loans and leases to total assets | 70.5276% | 3,573 |
| Net loans and leases to deposits | 140.5036% | 81 |
| Net loans and leases to core deposits | 194.3945% | 143 |
| Total domestic deposits to total assets | 50.1963% | 8,057 |
| Equity capital to assets | 8.8047% | 5,590 |
| Core capital (leverage) ratio | 8.2329% | 5,916 |
| Tier 1 risk-based capital ratio | 12.4985% | 4,523 |
| Total risk-based capital ratio | 12.9796% | 5,092 |
| Memoranda: | ||
| Average total assets | $246,074,000 | 2,680 |
| Average earning assets | $224,899,670 | 2,691 |
| Average equity | $21,526,330 | 3,026 |
| Average total loans | $168,704,330 | 2,698 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7324% | 3,630 |
| Cost of funding earning assets | 2.9910% | 616 |
| Net interest margin | 2.7414% | 7,116 |
| Noninterest income to average assets | 0.2559% | 6,408 |
| Noninterest expense to average assets | 2.1936% | 6,888 |
| Loan and lease loss provision to assets | 0.1809% | 4,635 |
| Net operating income to assets | 0.2697% | 5,410 |
| Return on assets (ROA) | 0.3585% | 5,212 |
| Pretax return on assets | 0.5166% | 5,028 |
| Return on Equity (ROE) | 4.1120% | 4,880 |
| Retained earnings to average equity (ytd only) | 4.1120% | 3,613 |
| Net charge-offs to loans | 0.0024% | 5,705 |
| Credit loss provision to net charge-offs | 11,100.0000% | 50 |
| Earnings coverage of net charge-offs (x) | 349.0000% | 106 |
| Efficiency ratio | 79.2330% | 2,961 |
| Assets per employee ($millions) | 4.5033% | 2,713 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4021% | 7,941 |
| Loan loss allowance to noncurrent loans | 263.9535% | 1,274 |
| Noncurrent assets plus other real estate owned to assets | 0.1365% | 7,178 |
| Noncurrent loans to loans | 0.1523% | 7,084 |
| Net loans and leases to total assets | 68.1068% | 4,110 |
| Net loans and leases to deposits | 138.5013% | 97 |
| Net loans and leases to core deposits | 194.1275% | 160 |
| Total domestic deposits to total assets | 49.1741% | 8,105 |
| Equity capital to assets | 8.6599% | 5,826 |
| Core capital (leverage) ratio | 8.1430% | 6,198 |
| Tier 1 risk-based capital ratio | 12.7407% | 4,352 |
| Total risk-based capital ratio | 13.1739% | 4,931 |
| Memoranda: | ||
| Average total assets | $245,444,500 | 2,703 |
| Average earning assets | $224,409,000 | 2,715 |
| Average equity | $21,401,000 | 3,061 |
| Average total loans | $165,449,000 | 2,764 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0433% | 5,337 |
| Cost of funding earning assets | 3.4571% | 588 |
| Net interest margin | 2.5862% | 7,658 |
| Noninterest income to average assets | 0.4198% | 5,300 |
| Noninterest expense to average assets | 2.0545% | 7,336 |
| Loan and lease loss provision to assets | 0.6683% | 2,176 |
| Net operating income to assets | 0.0788% | 6,162 |
| Return on assets (ROA) | 0.1020% | 5,948 |
| Pretax return on assets | 0.0814% | 5,984 |
| Return on Equity (ROE) | 1.1118% | 5,885 |
| Retained earnings to average equity (ytd only) | 1.1118% | 4,564 |
| Net charge-offs to loans | -0.0197% | 7,925 |
| Credit loss provision to net charge-offs | -5,379.3103% | 7,521 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8139% | 3,616 |
| Assets per employee ($millions) | 4.5038% | 2,612 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3560% | 8,037 |
| Loan loss allowance to noncurrent loans | 218.6312% | 1,781 |
| Noncurrent assets plus other real estate owned to assets | 0.1863% | 6,812 |
| Noncurrent loans to loans | 0.1628% | 6,912 |
| Net loans and leases to total assets | 66.1797% | 4,812 |
| Net loans and leases to deposits | 137.4210% | 125 |
| Net loans and leases to core deposits | 191.4238% | 212 |
| Total domestic deposits to total assets | 48.1584% | 8,141 |
| Equity capital to assets | 8.7798% | 5,688 |
| Core capital (leverage) ratio | 8.1849% | 6,190 |
| Tier 1 risk-based capital ratio | 12.9277% | 4,150 |
| Total risk-based capital ratio | 13.3034% | 4,663 |
| Memoranda: | ||
| Average total assets | $233,435,800 | 2,719 |
| Average earning assets | $213,129,400 | 2,735 |
| Average equity | $21,407,200 | 3,049 |
| Average total loans | $146,973,000 | 2,978 |