Home > First Federal Savings and Loan Association of Bucks Co > Performance and Condition Ratios
First Federal Savings and Loan Association of Bucks Co, Performance and Condition Ratios
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8810% | 3,766 |
| Cost of funding earning assets | 0.6274% | 1,246 |
| Net interest margin | 3.2537% | 4,479 |
| Noninterest income to average assets | 0.2297% | 5,317 |
| Noninterest expense to average assets | 2.3776% | 4,625 |
| Loan and lease loss provision to assets | 0.0938% | 2,249 |
| Net operating income to assets | 0.5842% | 4,417 |
| Return on assets (ROA) | 0.5846% | 4,511 |
| Pretax return on assets | 0.8343% | 4,188 |
| Return on Equity (ROE) | 5.3587% | 4,446 |
| Retained earnings to average equity (ytd only) | 5.3587% | 2,633 |
| Net charge-offs to loans | 0.0367% | 2,945 |
| Credit loss provision to net charge-offs | 356.0000% | 820 |
| Earnings coverage of net charge-offs (x) | 35.2100% | 1,225 |
| Efficiency ratio | 71.9353% | 3,006 |
| Assets per employee ($millions) | 5.6995% | 1,569 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8669% | 5,411 |
| Loan loss allowance to noncurrent loans | 250.8111% | 1,878 |
| Noncurrent assets plus other real estate owned to assets | 0.2484% | 4,881 |
| Noncurrent loans to loans | 0.3456% | 4,452 |
| Net loans and leases to total assets | 71.2338% | 2,123 |
| Net loans and leases to deposits | 94.5916% | 1,091 |
| Net loans and leases to core deposits | 102.2644% | 1,309 |
| Total domestic deposits to total assets | 75.3067% | 5,670 |
| Equity capital to assets | 10.8346% | 3,068 |
| Core capital (leverage) ratio | 11.2335% | 2,219 |
| Tier 1 risk-based capital ratio | 14.9624% | 3,376 |
| Total risk-based capital ratio | 15.8459% | 3,511 |
| Memoranda: | ||
| Average total assets | $759,182,330 | 917 |
| Average earning assets | $717,592,670 | 898 |
| Average equity | $82,818,330 | 926 |
| Average total loans | $544,508,670 | 864 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9546% | 3,400 |
| Cost of funding earning assets | 0.6196% | 1,308 |
| Net interest margin | 3.3350% | 4,081 |
| Noninterest income to average assets | 0.1809% | 5,635 |
| Noninterest expense to average assets | 2.4359% | 4,488 |
| Loan and lease loss provision to assets | 0.0971% | 2,078 |
| Net operating income to assets | 0.5687% | 4,408 |
| Return on assets (ROA) | 0.5713% | 4,504 |
| Pretax return on assets | 0.8036% | 4,227 |
| Return on Equity (ROE) | 5.2189% | 4,420 |
| Retained earnings to average equity (ytd only) | 5.2189% | 2,938 |
| Net charge-offs to loans | 0.0333% | 2,535 |
| Credit loss provision to net charge-offs | 406.6667% | 653 |
| Earnings coverage of net charge-offs (x) | 37.5778% | 1,015 |
| Efficiency ratio | 73.0861% | 2,979 |
| Assets per employee ($millions) | 5.9136% | 1,457 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8552% | 5,553 |
| Loan loss allowance to noncurrent loans | 253.6625% | 1,831 |
| Noncurrent assets plus other real estate owned to assets | 0.2454% | 4,959 |
| Noncurrent loans to loans | 0.3372% | 4,579 |
| Net loans and leases to total assets | 72.1626% | 1,780 |
| Net loans and leases to deposits | 94.0578% | 973 |
| Net loans and leases to core deposits | 102.5210% | 1,143 |
| Total domestic deposits to total assets | 76.7215% | 5,660 |
| Equity capital to assets | 11.1037% | 2,857 |
| Core capital (leverage) ratio | 11.1527% | 2,263 |
| Tier 1 risk-based capital ratio | 15.2106% | 3,313 |
| Total risk-based capital ratio | 16.1143% | 3,442 |
| Memoranda: | ||
| Average total assets | $754,060,500 | 921 |
| Average earning assets | $712,691,500 | 906 |
| Average equity | $82,545,500 | 926 |
| Average total loans | $540,321,000 | 868 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9367% | 3,991 |
| Cost of funding earning assets | 0.6660% | 1,291 |
| Net interest margin | 3.2707% | 4,681 |
| Noninterest income to average assets | 0.2343% | 5,457 |
| Noninterest expense to average assets | 2.4951% | 4,567 |
| Loan and lease loss provision to assets | 0.0361% | 3,866 |
| Net operating income to assets | 0.5760% | 4,479 |
| Return on assets (ROA) | 0.5794% | 4,547 |
| Pretax return on assets | 0.7894% | 4,297 |
| Return on Equity (ROE) | 5.3798% | 4,472 |
| Retained earnings to average equity (ytd only) | 5.3798% | 2,349 |
| Net charge-offs to loans | -0.0103% | 5,567 |
| Credit loss provision to net charge-offs | -503.8462% | 5,792 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2452% | 2,630 |
| Assets per employee ($millions) | 5.9613% | 1,405 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8498% | 5,635 |
| Loan loss allowance to noncurrent loans | 322.0724% | 1,532 |
| Noncurrent assets plus other real estate owned to assets | 0.1861% | 5,286 |
| Noncurrent loans to loans | 0.2639% | 4,897 |
| Net loans and leases to total assets | 69.9343% | 2,246 |
| Net loans and leases to deposits | 92.3650% | 1,250 |
| Net loans and leases to core deposits | 100.6901% | 1,345 |
| Total domestic deposits to total assets | 75.7151% | 5,781 |
| Equity capital to assets | 10.7912% | 3,131 |
| Core capital (leverage) ratio | 10.9566% | 2,444 |
| Tier 1 risk-based capital ratio | 17.1647% | 2,444 |
| Total risk-based capital ratio | 18.1706% | 2,494 |
| Memoranda: | ||
| Average total assets | $725,699,200 | 928 |
| Average earning assets | $683,774,800 | 898 |
| Average equity | $78,163,000 | 936 |
| Average total loans | $506,370,200 | 883 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9426% | 4,002 |
| Cost of funding earning assets | 0.6724% | 1,305 |
| Net interest margin | 3.2702% | 4,721 |
| Noninterest income to average assets | 0.2496% | 5,428 |
| Noninterest expense to average assets | 2.3950% | 4,844 |
| Loan and lease loss provision to assets | 0.0097% | 4,229 |
| Net operating income to assets | 0.6944% | 3,972 |
| Return on assets (ROA) | 0.6935% | 4,066 |
| Pretax return on assets | 0.9225% | 3,896 |
| Return on Equity (ROE) | 6.4423% | 4,008 |
| Retained earnings to average equity (ytd only) | 6.4423% | 2,139 |
| Net charge-offs to loans | -0.0139% | 5,512 |
| Credit loss provision to net charge-offs | -100.0000% | 5,447 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9587% | 3,185 |
| Assets per employee ($millions) | 5.8221% | 1,470 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8439% | 5,763 |
| Loan loss allowance to noncurrent loans | 207.5779% | 2,089 |
| Noncurrent assets plus other real estate owned to assets | 0.2820% | 5,140 |
| Noncurrent loans to loans | 0.4066% | 4,688 |
| Net loans and leases to total assets | 68.7714% | 2,420 |
| Net loans and leases to deposits | 89.1536% | 1,532 |
| Net loans and leases to core deposits | 96.6493% | 1,622 |
| Total domestic deposits to total assets | 77.1381% | 5,654 |
| Equity capital to assets | 10.8660% | 3,106 |
| Core capital (leverage) ratio | 11.1411% | 2,356 |
| Tier 1 risk-based capital ratio | 17.5840% | 2,363 |
| Total risk-based capital ratio | 18.5371% | 2,442 |
| Memoranda: | ||
| Average total assets | $717,851,750 | 945 |
| Average earning assets | $675,819,500 | 916 |
| Average equity | $77,279,000 | 950 |
| Average total loans | $499,462,000 | 899 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9494% | 3,929 |
| Cost of funding earning assets | 0.6840% | 1,284 |
| Net interest margin | 3.2654% | 4,715 |
| Noninterest income to average assets | 0.2144% | 5,665 |
| Noninterest expense to average assets | 2.3955% | 4,891 |
| Loan and lease loss provision to assets | 0.0250% | 3,781 |
| Net operating income to assets | 0.6592% | 4,048 |
| Return on assets (ROA) | 0.6560% | 4,160 |
| Pretax return on assets | 0.8637% | 4,020 |
| Return on Equity (ROE) | 6.1135% | 4,099 |
| Retained earnings to average equity (ytd only) | 6.1135% | 2,256 |
| Net charge-offs to loans | -0.0077% | 5,263 |
| Credit loss provision to net charge-offs | -468.4211% | 5,551 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8455% | 3,187 |
| Assets per employee ($millions) | 5.8562% | 1,381 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8610% | 5,842 |
| Loan loss allowance to noncurrent loans | 190.6690% | 2,227 |
| Noncurrent assets plus other real estate owned to assets | 0.3129% | 5,121 |
| Noncurrent loans to loans | 0.4516% | 4,634 |
| Net loans and leases to total assets | 68.6912% | 2,291 |
| Net loans and leases to deposits | 85.9641% | 1,817 |
| Net loans and leases to core deposits | 92.9708% | 1,866 |
| Total domestic deposits to total assets | 79.9069% | 5,264 |
| Equity capital to assets | 10.8444% | 3,032 |
| Core capital (leverage) ratio | 11.1482% | 2,292 |
| Tier 1 risk-based capital ratio | 17.8747% | 2,286 |
| Total risk-based capital ratio | 18.8570% | 2,352 |
| Memoranda: | ||
| Average total assets | $710,667,330 | 948 |
| Average earning assets | $669,011,330 | 925 |
| Average equity | $76,257,330 | 963 |
| Average total loans | $495,007,000 | 897 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9694% | 3,815 |
| Cost of funding earning assets | 0.6957% | 1,271 |
| Net interest margin | 3.2736% | 4,653 |
| Noninterest income to average assets | 0.2043% | 5,721 |
| Noninterest expense to average assets | 2.4709% | 4,711 |
| Loan and lease loss provision to assets | -0.0233% | 6,426 |
| Net operating income to assets | 0.6335% | 4,032 |
| Return on assets (ROA) | 0.6755% | 3,899 |
| Pretax return on assets | 0.8911% | 3,733 |
| Return on Equity (ROE) | 6.3297% | 3,839 |
| Retained earnings to average equity (ytd only) | 6.3297% | 2,363 |
| Net charge-offs to loans | -0.0155% | 5,220 |
| Credit loss provision to net charge-offs | 215.7895% | 984 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2513% | 2,921 |
| Assets per employee ($millions) | 6.0310% | 1,283 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8557% | 5,988 |
| Loan loss allowance to noncurrent loans | 273.2120% | 1,612 |
| Noncurrent assets plus other real estate owned to assets | 0.2180% | 5,554 |
| Noncurrent loans to loans | 0.3132% | 5,166 |
| Net loans and leases to total assets | 68.9950% | 2,060 |
| Net loans and leases to deposits | 86.2286% | 1,570 |
| Net loans and leases to core deposits | 93.3496% | 1,607 |
| Total domestic deposits to total assets | 80.0140% | 5,476 |
| Equity capital to assets | 10.8123% | 2,923 |
| Core capital (leverage) ratio | 11.2893% | 2,148 |
| Tier 1 risk-based capital ratio | 18.1544% | 2,228 |
| Total risk-based capital ratio | 19.1298% | 2,320 |
| Memoranda: | ||
| Average total assets | $702,914,500 | 966 |
| Average earning assets | $661,166,000 | 939 |
| Average equity | $75,011,500 | 977 |
| Average total loans | $490,936,000 | 905 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0313% | 3,976 |
| Cost of funding earning assets | 0.8064% | 1,185 |
| Net interest margin | 3.2249% | 4,913 |
| Noninterest income to average assets | 0.3522% | 4,795 |
| Noninterest expense to average assets | 2.3596% | 5,204 |
| Loan and lease loss provision to assets | 0.0627% | 3,881 |
| Net operating income to assets | 0.7146% | 3,724 |
| Return on assets (ROA) | 0.7248% | 3,768 |
| Pretax return on assets | 0.9685% | 3,487 |
| Return on Equity (ROE) | 6.7080% | 3,719 |
| Retained earnings to average equity (ytd only) | 6.7080% | 1,572 |
| Net charge-offs to loans | -0.0482% | 6,328 |
| Credit loss provision to net charge-offs | -191.1111% | 5,983 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8680% | 3,857 |
| Assets per employee ($millions) | 5.6927% | 1,481 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8606% | 6,032 |
| Loan loss allowance to noncurrent loans | 244.1618% | 1,764 |
| Noncurrent assets plus other real estate owned to assets | 0.2471% | 5,527 |
| Noncurrent loans to loans | 0.3525% | 5,134 |
| Net loans and leases to total assets | 69.4941% | 2,096 |
| Net loans and leases to deposits | 87.5424% | 1,515 |
| Net loans and leases to core deposits | 94.8013% | 1,538 |
| Total domestic deposits to total assets | 79.3833% | 5,580 |
| Equity capital to assets | 10.5296% | 3,109 |
| Core capital (leverage) ratio | 11.1856% | 2,210 |
| Tier 1 risk-based capital ratio | 17.9828% | 2,252 |
| Total risk-based capital ratio | 18.9608% | 2,316 |
| Memoranda: | ||
| Average total assets | $686,302,800 | 967 |
| Average earning assets | $643,764,200 | 943 |
| Average equity | $74,150,400 | 963 |
| Average total loans | $466,437,000 | 912 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0289% | 4,017 |
| Cost of funding earning assets | 0.8271% | 1,175 |
| Net interest margin | 3.2017% | 4,996 |
| Noninterest income to average assets | 0.3628% | 4,795 |
| Noninterest expense to average assets | 2.3638% | 5,136 |
| Loan and lease loss provision to assets | 0.0803% | 3,455 |
| Net operating income to assets | 0.6919% | 3,901 |
| Return on assets (ROA) | 0.7008% | 3,993 |
| Pretax return on assets | 0.9328% | 3,753 |
| Return on Equity (ROE) | 6.4442% | 3,956 |
| Retained earnings to average equity (ytd only) | 6.4442% | 2,165 |
| Net charge-offs to loans | -0.0996% | 6,496 |
| Credit loss provision to net charge-offs | -119.4767% | 5,811 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2489% | 3,716 |
| Assets per employee ($millions) | 5.6131% | 1,527 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8883% | 6,082 |
| Loan loss allowance to noncurrent loans | 263.6585% | 1,549 |
| Noncurrent assets plus other real estate owned to assets | 0.2337% | 5,744 |
| Noncurrent loans to loans | 0.3369% | 5,379 |
| Net loans and leases to total assets | 68.7612% | 2,187 |
| Net loans and leases to deposits | 86.7913% | 1,513 |
| Net loans and leases to core deposits | 93.9330% | 1,582 |
| Total domestic deposits to total assets | 79.2259% | 5,692 |
| Equity capital to assets | 10.4794% | 3,303 |
| Core capital (leverage) ratio | 10.9855% | 2,500 |
| Tier 1 risk-based capital ratio | 17.9714% | 2,338 |
| Total risk-based capital ratio | 18.9984% | 2,389 |
| Memoranda: | ||
| Average total assets | $682,827,250 | 981 |
| Average earning assets | $640,259,000 | 953 |
| Average equity | $74,255,750 | 973 |
| Average total loans | $460,340,000 | 925 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0457% | 3,939 |
| Cost of funding earning assets | 0.8522% | 1,129 |
| Net interest margin | 3.1935% | 4,973 |
| Noninterest income to average assets | 0.4446% | 4,205 |
| Noninterest expense to average assets | 2.3992% | 5,055 |
| Loan and lease loss provision to assets | 0.0160% | 4,574 |
| Net operating income to assets | 0.7745% | 3,440 |
| Return on assets (ROA) | 0.7718% | 3,607 |
| Pretax return on assets | 1.0178% | 3,426 |
| Return on Equity (ROE) | 7.0095% | 3,595 |
| Retained earnings to average equity (ytd only) | 7.0095% | 1,892 |
| Net charge-offs to loans | -0.1169% | 6,541 |
| Credit loss provision to net charge-offs | -20.4545% | 5,477 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8151% | 3,862 |
| Assets per employee ($millions) | 5.5409% | 1,543 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8444% | 6,265 |
| Loan loss allowance to noncurrent loans | 266.4154% | 1,562 |
| Noncurrent assets plus other real estate owned to assets | 0.2107% | 5,869 |
| Noncurrent loans to loans | 0.3170% | 5,500 |
| Net loans and leases to total assets | 65.8998% | 2,614 |
| Net loans and leases to deposits | 82.3375% | 2,014 |
| Net loans and leases to core deposits | 88.4947% | 2,060 |
| Total domestic deposits to total assets | 80.0362% | 5,598 |
| Equity capital to assets | 10.6159% | 3,152 |
| Core capital (leverage) ratio | 11.0031% | 2,349 |
| Tier 1 risk-based capital ratio | 18.3009% | 2,209 |
| Total risk-based capital ratio | 19.2312% | 2,288 |
| Memoranda: | ||
| Average total assets | $676,557,330 | 988 |
| Average earning assets | $633,859,670 | 969 |
| Average equity | $74,498,670 | 974 |
| Average total loans | $451,527,330 | 943 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0759% | 3,821 |
| Cost of funding earning assets | 0.8828% | 1,071 |
| Net interest margin | 3.1931% | 4,954 |
| Noninterest income to average assets | 0.2962% | 5,333 |
| Noninterest expense to average assets | 2.4454% | 4,965 |
| Loan and lease loss provision to assets | -0.1364% | 6,861 |
| Net operating income to assets | 0.7456% | 3,456 |
| Return on assets (ROA) | 0.7383% | 3,625 |
| Pretax return on assets | 0.9663% | 3,503 |
| Return on Equity (ROE) | 6.5827% | 3,720 |
| Retained earnings to average equity (ytd only) | 6.5827% | 2,377 |
| Net charge-offs to loans | -0.4088% | 6,823 |
| Credit loss provision to net charge-offs | 49.8906% | 2,604 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4444% | 3,186 |
| Assets per employee ($millions) | 5.6559% | 1,531 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8430% | 6,381 |
| Loan loss allowance to noncurrent loans | 250.3626% | 1,563 |
| Noncurrent assets plus other real estate owned to assets | 0.2981% | 5,674 |
| Noncurrent loans to loans | 0.3367% | 5,562 |
| Net loans and leases to total assets | 65.8183% | 2,401 |
| Net loans and leases to deposits | 83.1519% | 1,687 |
| Net loans and leases to core deposits | 89.5345% | 1,749 |
| Total domestic deposits to total assets | 79.1543% | 5,932 |
| Equity capital to assets | 11.1159% | 2,831 |
| Core capital (leverage) ratio | 11.0791% | 2,196 |
| Tier 1 risk-based capital ratio | 18.7198% | 2,122 |
| Total risk-based capital ratio | 19.6672% | 2,193 |
| Memoranda: | ||
| Average total assets | $668,531,500 | 1,007 |
| Average earning assets | $625,723,500 | 990 |
| Average equity | $74,984,500 | 977 |
| Average total loans | $447,133,500 | 960 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2787% | 4,278 |
| Cost of funding earning assets | 1.0959% | 925 |
| Net interest margin | 3.1828% | 5,612 |
| Noninterest income to average assets | 0.2301% | 5,803 |
| Noninterest expense to average assets | 2.2554% | 5,800 |
| Loan and lease loss provision to assets | 0.0560% | 5,090 |
| Net operating income to assets | 0.6956% | 3,762 |
| Return on assets (ROA) | 0.6850% | 4,072 |
| Pretax return on assets | 0.8852% | 3,975 |
| Return on Equity (ROE) | 6.3364% | 3,997 |
| Retained earnings to average equity (ytd only) | 6.3364% | 1,906 |
| Net charge-offs to loans | 0.1440% | 4,251 |
| Credit loss provision to net charge-offs | 59.5238% | 4,460 |
| Earnings coverage of net charge-offs (x) | 10.1524% | 2,169 |
| Efficiency ratio | 70.2539% | 3,760 |
| Assets per employee ($millions) | 5.6269% | 1,582 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8043% | 6,481 |
| Loan loss allowance to noncurrent loans | 192.0883% | 1,913 |
| Noncurrent assets plus other real estate owned to assets | 0.3805% | 5,549 |
| Noncurrent loans to loans | 0.4187% | 5,442 |
| Net loans and leases to total assets | 66.8614% | 2,388 |
| Net loans and leases to deposits | 82.6938% | 1,911 |
| Net loans and leases to core deposits | 89.2339% | 1,934 |
| Total domestic deposits to total assets | 80.8543% | 5,442 |
| Equity capital to assets | 11.3198% | 2,611 |
| Core capital (leverage) ratio | 11.2400% | 2,058 |
| Tier 1 risk-based capital ratio | 19.0808% | 1,938 |
| Total risk-based capital ratio | 20.0037% | 1,991 |
| Memoranda: | ||
| Average total assets | $669,762,400 | 983 |
| Average earning assets | $627,145,800 | 955 |
| Average equity | $72,407,200 | 973 |
| Average total loans | $437,370,800 | 954 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2790% | 4,534 |
| Cost of funding earning assets | 1.1362% | 922 |
| Net interest margin | 3.1427% | 5,836 |
| Noninterest income to average assets | 0.1986% | 6,107 |
| Noninterest expense to average assets | 2.2203% | 5,906 |
| Loan and lease loss provision to assets | -0.0137% | 6,957 |
| Net operating income to assets | 0.7152% | 3,849 |
| Return on assets (ROA) | 0.7063% | 4,126 |
| Pretax return on assets | 0.9239% | 4,014 |
| Return on Equity (ROE) | 6.6092% | 4,009 |
| Retained earnings to average equity (ytd only) | 6.6092% | 2,324 |
| Net charge-offs to loans | 0.0037% | 5,715 |
| Credit loss provision to net charge-offs | -575.0000% | 6,463 |
| Earnings coverage of net charge-offs (x) | 387.5738% | 118 |
| Efficiency ratio | 70.6599% | 3,563 |
| Assets per employee ($millions) | 5.7548% | 1,412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8426% | 6,525 |
| Loan loss allowance to noncurrent loans | 205.7724% | 1,739 |
| Noncurrent assets plus other real estate owned to assets | 0.2755% | 6,013 |
| Noncurrent loans to loans | 0.4095% | 5,633 |
| Net loans and leases to total assets | 65.9839% | 2,652 |
| Net loans and leases to deposits | 81.8507% | 2,140 |
| Net loans and leases to core deposits | 87.5946% | 2,259 |
| Total domestic deposits to total assets | 80.6149% | 5,480 |
| Equity capital to assets | 11.0704% | 3,188 |
| Core capital (leverage) ratio | 10.9378% | 2,452 |
| Tier 1 risk-based capital ratio | 18.5367% | 2,154 |
| Total risk-based capital ratio | 19.4904% | 2,232 |
| Memoranda: | ||
| Average total assets | $672,615,250 | 983 |
| Average earning assets | $630,012,000 | 964 |
| Average equity | $71,878,000 | 989 |
| Average total loans | $435,775,500 | 964 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2708% | 4,685 |
| Cost of funding earning assets | 1.1674% | 955 |
| Net interest margin | 3.1034% | 5,999 |
| Noninterest income to average assets | 0.1883% | 6,216 |
| Noninterest expense to average assets | 2.2088% | 5,983 |
| Loan and lease loss provision to assets | -0.0362% | 7,058 |
| Net operating income to assets | 0.7069% | 3,836 |
| Return on assets (ROA) | 0.6932% | 4,165 |
| Pretax return on assets | 0.9043% | 4,064 |
| Return on Equity (ROE) | 6.5643% | 4,014 |
| Retained earnings to average equity (ytd only) | 6.5643% | 2,348 |
| Net charge-offs to loans | 0.0245% | 5,047 |
| Credit loss provision to net charge-offs | -230.1887% | 6,162 |
| Earnings coverage of net charge-offs (x) | 56.3585% | 669 |
| Efficiency ratio | 71.3724% | 3,540 |
| Assets per employee ($millions) | 6.0758% | 1,189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8350% | 6,598 |
| Loan loss allowance to noncurrent loans | 145.6105% | 2,308 |
| Noncurrent assets plus other real estate owned to assets | 0.3712% | 5,851 |
| Noncurrent loans to loans | 0.5734% | 5,364 |
| Net loans and leases to total assets | 63.6841% | 3,111 |
| Net loans and leases to deposits | 78.4761% | 2,601 |
| Net loans and leases to core deposits | 83.5556% | 2,751 |
| Total domestic deposits to total assets | 81.1509% | 5,415 |
| Equity capital to assets | 10.6702% | 3,490 |
| Core capital (leverage) ratio | 10.5485% | 2,756 |
| Tier 1 risk-based capital ratio | 18.1200% | 2,259 |
| Total risk-based capital ratio | 19.0457% | 2,335 |
| Memoranda: | ||
| Average total assets | $674,302,330 | 976 |
| Average earning assets | $631,500,000 | 958 |
| Average equity | $71,203,670 | 989 |
| Average total loans | $432,960,330 | 967 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3224% | 4,646 |
| Cost of funding earning assets | 1.2057% | 959 |
| Net interest margin | 3.1167% | 5,996 |
| Noninterest income to average assets | 0.3093% | 5,410 |
| Noninterest expense to average assets | 2.2360% | 5,951 |
| Loan and lease loss provision to assets | -0.1192% | 7,189 |
| Net operating income to assets | 0.8325% | 3,230 |
| Return on assets (ROA) | 0.8021% | 3,600 |
| Pretax return on assets | 1.0697% | 3,434 |
| Return on Equity (ROE) | 7.6368% | 3,436 |
| Retained earnings to average equity (ytd only) | 7.6368% | 2,114 |
| Net charge-offs to loans | 0.0306% | 4,257 |
| Credit loss provision to net charge-offs | -606.0606% | 5,827 |
| Earnings coverage of net charge-offs (x) | 50.3939% | 630 |
| Efficiency ratio | 69.2890% | 3,933 |
| Assets per employee ($millions) | 6.0642% | 1,247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8395% | 6,664 |
| Loan loss allowance to noncurrent loans | 146.0884% | 2,211 |
| Noncurrent assets plus other real estate owned to assets | 0.3662% | 5,968 |
| Noncurrent loans to loans | 0.5747% | 5,519 |
| Net loans and leases to total assets | 62.6770% | 3,129 |
| Net loans and leases to deposits | 77.9278% | 2,524 |
| Net loans and leases to core deposits | 83.8102% | 2,567 |
| Total domestic deposits to total assets | 80.4296% | 5,745 |
| Equity capital to assets | 10.4481% | 3,556 |
| Core capital (leverage) ratio | 10.4128% | 2,859 |
| Tier 1 risk-based capital ratio | 18.0469% | 2,274 |
| Total risk-based capital ratio | 18.9669% | 2,368 |
| Memoranda: | ||
| Average total assets | $671,206,000 | 982 |
| Average earning assets | $628,360,000 | 959 |
| Average equity | $70,500,500 | 993 |
| Average total loans | $430,932,500 | 970 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6378% | 4,515 |
| Cost of funding earning assets | 1.3639% | 1,189 |
| Net interest margin | 3.2739% | 5,890 |
| Noninterest income to average assets | 0.3051% | 5,356 |
| Noninterest expense to average assets | 2.2257% | 6,215 |
| Loan and lease loss provision to assets | 0.2628% | 3,591 |
| Net operating income to assets | 0.6748% | 3,602 |
| Return on assets (ROA) | 0.6578% | 3,889 |
| Pretax return on assets | 0.8492% | 3,775 |
| Return on Equity (ROE) | 6.2134% | 3,767 |
| Retained earnings to average equity (ytd only) | 6.2134% | 1,902 |
| Net charge-offs to loans | 0.2629% | 4,124 |
| Credit loss provision to net charge-offs | 151.3587% | 1,857 |
| Earnings coverage of net charge-offs (x) | 6.5326% | 2,499 |
| Efficiency ratio | 66.2454% | 4,717 |
| Assets per employee ($millions) | 5.6205% | 1,515 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8870% | 6,561 |
| Loan loss allowance to noncurrent loans | 160.4097% | 2,007 |
| Noncurrent assets plus other real estate owned to assets | 0.3649% | 6,062 |
| Noncurrent loans to loans | 0.5530% | 5,612 |
| Net loans and leases to total assets | 64.6432% | 3,050 |
| Net loans and leases to deposits | 80.6869% | 2,410 |
| Net loans and leases to core deposits | 86.8359% | 2,522 |
| Total domestic deposits to total assets | 80.1161% | 5,713 |
| Equity capital to assets | 10.5603% | 3,462 |
| Core capital (leverage) ratio | 10.4673% | 2,763 |
| Tier 1 risk-based capital ratio | 18.1002% | 2,158 |
| Total risk-based capital ratio | 19.1016% | 2,222 |
| Memoranda: | ||
| Average total assets | $635,929,600 | 1,021 |
| Average earning assets | $593,367,600 | 994 |
| Average equity | $67,322,200 | 997 |
| Average total loans | $419,907,200 | 1,000 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6954% | 4,485 |
| Cost of funding earning assets | 1.3940% | 1,256 |
| Net interest margin | 3.3015% | 5,853 |
| Noninterest income to average assets | 0.3514% | 5,045 |
| Noninterest expense to average assets | 2.2026% | 6,272 |
| Loan and lease loss provision to assets | 0.3118% | 3,031 |
| Net operating income to assets | 0.7041% | 3,601 |
| Return on assets (ROA) | 0.6971% | 3,805 |
| Pretax return on assets | 0.9058% | 3,737 |
| Return on Equity (ROE) | 6.5801% | 3,728 |
| Retained earnings to average equity (ytd only) | 6.5801% | 2,207 |
| Net charge-offs to loans | 0.3321% | 3,431 |
| Credit loss provision to net charge-offs | 141.7148% | 2,246 |
| Earnings coverage of net charge-offs (x) | 5.5761% | 2,746 |
| Efficiency ratio | 64.2297% | 5,028 |
| Assets per employee ($millions) | 5.5077% | 1,591 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8545% | 6,712 |
| Loan loss allowance to noncurrent loans | 75.1573% | 3,758 |
| Noncurrent assets plus other real estate owned to assets | 0.7756% | 5,224 |
| Noncurrent loans to loans | 1.1370% | 4,646 |
| Net loans and leases to total assets | 67.2451% | 2,627 |
| Net loans and leases to deposits | 85.9449% | 1,695 |
| Net loans and leases to core deposits | 93.2976% | 1,846 |
| Total domestic deposits to total assets | 78.2421% | 6,143 |
| Equity capital to assets | 10.8353% | 3,314 |
| Core capital (leverage) ratio | 10.7277% | 2,639 |
| Tier 1 risk-based capital ratio | 17.8924% | 2,292 |
| Total risk-based capital ratio | 18.8602% | 2,365 |
| Memoranda: | ||
| Average total assets | $629,107,250 | 1,038 |
| Average earning assets | $586,512,000 | 1,008 |
| Average equity | $66,643,250 | 1,012 |
| Average total loans | $416,743,250 | 1,011 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6996% | 4,539 |
| Cost of funding earning assets | 1.4300% | 1,282 |
| Net interest margin | 3.2696% | 5,940 |
| Noninterest income to average assets | 0.2758% | 5,677 |
| Noninterest expense to average assets | 2.1795% | 6,429 |
| Loan and lease loss provision to assets | 0.2314% | 3,595 |
| Net operating income to assets | 0.7068% | 3,507 |
| Return on assets (ROA) | 0.6644% | 3,844 |
| Pretax return on assets | 0.8561% | 3,810 |
| Return on Equity (ROE) | 6.3208% | 3,788 |
| Retained earnings to average equity (ytd only) | 6.3208% | 2,231 |
| Net charge-offs to loans | 0.1269% | 4,461 |
| Credit loss provision to net charge-offs | 277.3946% | 1,097 |
| Earnings coverage of net charge-offs (x) | 13.6897% | 1,529 |
| Efficiency ratio | 65.6211% | 4,948 |
| Assets per employee ($millions) | 5.7414% | 1,349 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8819% | 6,706 |
| Loan loss allowance to noncurrent loans | 69.8279% | 3,962 |
| Noncurrent assets plus other real estate owned to assets | 0.8433% | 5,188 |
| Noncurrent loans to loans | 1.2630% | 4,554 |
| Net loans and leases to total assets | 65.8328% | 3,068 |
| Net loans and leases to deposits | 82.3547% | 2,397 |
| Net loans and leases to core deposits | 88.7940% | 2,527 |
| Total domestic deposits to total assets | 79.9382% | 5,840 |
| Equity capital to assets | 10.5830% | 3,400 |
| Core capital (leverage) ratio | 10.5551% | 2,656 |
| Tier 1 risk-based capital ratio | 17.4480% | 2,355 |
| Total risk-based capital ratio | 18.4166% | 2,433 |
| Memoranda: | ||
| Average total assets | $625,845,000 | 1,055 |
| Average earning assets | $582,947,670 | 1,025 |
| Average equity | $65,782,330 | 1,023 |
| Average total loans | $411,215,000 | 1,044 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6807% | 4,611 |
| Cost of funding earning assets | 1.4706% | 1,295 |
| Net interest margin | 3.2101% | 6,037 |
| Noninterest income to average assets | 0.2987% | 5,531 |
| Noninterest expense to average assets | 2.1712% | 6,486 |
| Loan and lease loss provision to assets | 0.2103% | 3,543 |
| Net operating income to assets | 0.7029% | 3,508 |
| Return on assets (ROA) | 0.6496% | 3,828 |
| Pretax return on assets | 0.8353% | 3,764 |
| Return on Equity (ROE) | 6.2016% | 3,782 |
| Retained earnings to average equity (ytd only) | 6.2016% | 2,522 |
| Net charge-offs to loans | 0.0770% | 4,171 |
| Credit loss provision to net charge-offs | 417.9487% | 813 |
| Earnings coverage of net charge-offs (x) | 22.1410% | 1,058 |
| Efficiency ratio | 66.0907% | 5,024 |
| Assets per employee ($millions) | 5.9481% | 1,234 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8583% | 6,804 |
| Loan loss allowance to noncurrent loans | 60.9811% | 4,369 |
| Noncurrent assets plus other real estate owned to assets | 0.9194% | 5,057 |
| Noncurrent loans to loans | 1.4074% | 4,364 |
| Net loans and leases to total assets | 64.4539% | 3,362 |
| Net loans and leases to deposits | 81.3658% | 2,468 |
| Net loans and leases to core deposits | 86.5247% | 2,802 |
| Total domestic deposits to total assets | 79.2149% | 6,141 |
| Equity capital to assets | 10.3652% | 3,329 |
| Core capital (leverage) ratio | 10.4819% | 2,631 |
| Tier 1 risk-based capital ratio | 17.9683% | 2,120 |
| Total risk-based capital ratio | 18.9235% | 2,198 |
| Memoranda: | ||
| Average total assets | $620,119,500 | 1,075 |
| Average earning assets | $576,922,000 | 1,050 |
| Average equity | $64,951,000 | 1,033 |
| Average total loans | $405,181,000 | 1,077 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9396% | 4,836 |
| Cost of funding earning assets | 1.7694% | 1,304 |
| Net interest margin | 3.1702% | 6,337 |
| Noninterest income to average assets | 0.2745% | 5,821 |
| Noninterest expense to average assets | 2.2240% | 6,556 |
| Loan and lease loss provision to assets | 0.1004% | 6,143 |
| Net operating income to assets | 0.6823% | 3,293 |
| Return on assets (ROA) | 0.6309% | 3,688 |
| Pretax return on assets | 0.8289% | 3,533 |
| Return on Equity (ROE) | 6.0206% | 3,594 |
| Retained earnings to average equity (ytd only) | 6.0206% | 1,801 |
| Net charge-offs to loans | 0.1237% | 5,654 |
| Credit loss provision to net charge-offs | 124.6914% | 3,298 |
| Earnings coverage of net charge-offs (x) | 12.3807% | 1,511 |
| Efficiency ratio | 69.0484% | 4,369 |
| Assets per employee ($millions) | 5.3960% | 1,676 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8166% | 6,936 |
| Loan loss allowance to noncurrent loans | 63.3967% | 4,229 |
| Noncurrent assets plus other real estate owned to assets | 1.0075% | 4,987 |
| Noncurrent loans to loans | 1.2880% | 4,559 |
| Net loans and leases to total assets | 65.1414% | 3,640 |
| Net loans and leases to deposits | 82.8278% | 2,654 |
| Net loans and leases to core deposits | 88.3806% | 3,001 |
| Total domestic deposits to total assets | 78.6467% | 6,181 |
| Equity capital to assets | 10.5864% | 3,079 |
| Core capital (leverage) ratio | 10.6768% | 2,395 |
| Tier 1 risk-based capital ratio | 18.0740% | 1,973 |
| Total risk-based capital ratio | 18.9809% | 2,049 |
| Memoranda: | ||
| Average total assets | $603,556,200 | 1,109 |
| Average earning assets | $560,935,400 | 1,081 |
| Average equity | $63,249,200 | 1,055 |
| Average total loans | $392,756,800 | 1,148 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9622% | 4,984 |
| Cost of funding earning assets | 1.8306% | 1,300 |
| Net interest margin | 3.1316% | 6,533 |
| Noninterest income to average assets | 0.2607% | 6,034 |
| Noninterest expense to average assets | 2.2174% | 6,561 |
| Loan and lease loss provision to assets | 0.2208% | 4,852 |
| Net operating income to assets | 0.5674% | 4,018 |
| Return on assets (ROA) | 0.5369% | 4,320 |
| Pretax return on assets | 0.6941% | 4,246 |
| Return on Equity (ROE) | 5.1362% | 4,224 |
| Retained earnings to average equity (ytd only) | 5.1362% | 2,886 |
| Net charge-offs to loans | 0.3831% | 3,761 |
| Credit loss provision to net charge-offs | 88.7801% | 4,814 |
| Earnings coverage of net charge-offs (x) | 3.8379% | 3,282 |
| Efficiency ratio | 69.9064% | 4,091 |
| Assets per employee ($millions) | 5.9164% | 1,293 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7580% | 7,090 |
| Loan loss allowance to noncurrent loans | 54.4669% | 4,667 |
| Noncurrent assets plus other real estate owned to assets | 1.0780% | 4,957 |
| Noncurrent loans to loans | 1.3917% | 4,535 |
| Net loans and leases to total assets | 66.9157% | 3,481 |
| Net loans and leases to deposits | 86.5961% | 2,222 |
| Net loans and leases to core deposits | 91.7123% | 2,847 |
| Total domestic deposits to total assets | 77.2734% | 6,426 |
| Equity capital to assets | 10.9055% | 3,045 |
| Core capital (leverage) ratio | 10.7942% | 2,419 |
| Tier 1 risk-based capital ratio | 18.0284% | 2,017 |
| Total risk-based capital ratio | 18.8832% | 2,103 |
| Memoranda: | ||
| Average total assets | $602,009,500 | 1,121 |
| Average earning assets | $559,657,750 | 1,084 |
| Average equity | $62,924,000 | 1,063 |
| Average total loans | $390,829,750 | 1,164 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9237% | 5,295 |
| Cost of funding earning assets | 1.8747% | 1,322 |
| Net interest margin | 3.0489% | 6,726 |
| Noninterest income to average assets | 0.2649% | 6,021 |
| Noninterest expense to average assets | 2.2297% | 6,571 |
| Loan and lease loss provision to assets | 0.3954% | 3,344 |
| Net operating income to assets | 0.3991% | 4,762 |
| Return on assets (ROA) | 0.3848% | 4,989 |
| Pretax return on assets | 0.4618% | 5,024 |
| Return on Equity (ROE) | 3.7345% | 4,909 |
| Retained earnings to average equity (ytd only) | 3.7345% | 3,724 |
| Net charge-offs to loans | 0.6828% | 2,511 |
| Credit loss provision to net charge-offs | 90.3396% | 4,413 |
| Earnings coverage of net charge-offs (x) | 1.9977% | 4,027 |
| Efficiency ratio | 71.8314% | 3,845 |
| Assets per employee ($millions) | 6.0947% | 1,163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7670% | 7,101 |
| Loan loss allowance to noncurrent loans | 72.6442% | 3,719 |
| Noncurrent assets plus other real estate owned to assets | 0.8250% | 5,472 |
| Noncurrent loans to loans | 1.0558% | 5,206 |
| Net loans and leases to total assets | 64.8010% | 4,089 |
| Net loans and leases to deposits | 83.5785% | 2,955 |
| Net loans and leases to core deposits | 87.6015% | 3,600 |
| Total domestic deposits to total assets | 77.5331% | 6,384 |
| Equity capital to assets | 10.5114% | 3,398 |
| Core capital (leverage) ratio | 10.3780% | 2,738 |
| Tier 1 risk-based capital ratio | 17.1144% | 2,231 |
| Total risk-based capital ratio | 17.9416% | 2,352 |
| Memoranda: | ||
| Average total assets | $605,466,670 | 1,116 |
| Average earning assets | $563,808,670 | 1,084 |
| Average equity | $62,391,670 | 1,066 |
| Average total loans | $388,132,000 | 1,188 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8323% | 5,755 |
| Cost of funding earning assets | 1.9301% | 1,321 |
| Net interest margin | 2.9022% | 7,018 |
| Noninterest income to average assets | 0.2519% | 6,137 |
| Noninterest expense to average assets | 2.2502% | 6,544 |
| Loan and lease loss provision to assets | 0.0989% | 5,645 |
| Net operating income to assets | 0.4956% | 4,409 |
| Return on assets (ROA) | 0.4155% | 4,914 |
| Pretax return on assets | 0.5111% | 4,923 |
| Return on Equity (ROE) | 4.0727% | 4,861 |
| Retained earnings to average equity (ytd only) | 4.0727% | 3,708 |
| Net charge-offs to loans | 0.0727% | 4,691 |
| Credit loss provision to net charge-offs | 214.2857% | 1,738 |
| Earnings coverage of net charge-offs (x) | 15.3571% | 1,387 |
| Efficiency ratio | 76.0419% | 3,206 |
| Assets per employee ($millions) | 6.0887% | 1,198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8370% | 7,036 |
| Loan loss allowance to noncurrent loans | 116.2289% | 2,381 |
| Noncurrent assets plus other real estate owned to assets | 0.4827% | 6,276 |
| Noncurrent loans to loans | 0.7201% | 5,883 |
| Net loans and leases to total assets | 62.8514% | 4,572 |
| Net loans and leases to deposits | 82.5138% | 3,192 |
| Net loans and leases to core deposits | 86.0761% | 3,882 |
| Total domestic deposits to total assets | 76.1708% | 6,725 |
| Equity capital to assets | 10.2176% | 3,583 |
| Core capital (leverage) ratio | 10.1849% | 2,945 |
| Tier 1 risk-based capital ratio | 17.1479% | 2,218 |
| Total risk-based capital ratio | 18.0413% | 2,300 |
| Memoranda: | ||
| Average total assets | $606,514,000 | 1,138 |
| Average earning assets | $565,773,500 | 1,107 |
| Average equity | $61,876,000 | 1,081 |
| Average total loans | $385,191,500 | 1,231 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2566% | 5,378 |
| Cost of funding earning assets | 2.3501% | 1,459 |
| Net interest margin | 2.9065% | 6,854 |
| Noninterest income to average assets | 0.2727% | 6,165 |
| Noninterest expense to average assets | 2.1404% | 7,101 |
| Loan and lease loss provision to assets | 0.0783% | 6,816 |
| Net operating income to assets | 0.6049% | 3,309 |
| Return on assets (ROA) | 0.4935% | 3,855 |
| Pretax return on assets | 0.6236% | 3,832 |
| Return on Equity (ROE) | 4.7464% | 3,778 |
| Retained earnings to average equity (ytd only) | 4.7464% | 1,950 |
| Net charge-offs to loans | 0.0057% | 7,166 |
| Credit loss provision to net charge-offs | 2,152.3810% | 152 |
| Earnings coverage of net charge-offs (x) | 231.6667% | 122 |
| Efficiency ratio | 71.7447% | 4,308 |
| Assets per employee ($millions) | 6.3595% | 1,045 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8193% | 7,075 |
| Loan loss allowance to noncurrent loans | 151.5881% | 1,892 |
| Noncurrent assets plus other real estate owned to assets | 0.3704% | 6,528 |
| Noncurrent loans to loans | 0.5405% | 6,168 |
| Net loans and leases to total assets | 63.1159% | 4,783 |
| Net loans and leases to deposits | 84.9933% | 3,088 |
| Net loans and leases to core deposits | 98.3288% | 4,193 |
| Total domestic deposits to total assets | 74.2598% | 6,983 |
| Equity capital to assets | 10.1861% | 3,529 |
| Core capital (leverage) ratio | 10.1593% | 2,940 |
| Tier 1 risk-based capital ratio | 17.4679% | 2,035 |
| Total risk-based capital ratio | 18.3647% | 2,081 |
| Memoranda: | ||
| Average total assets | $577,125,400 | 1,203 |
| Average earning assets | $538,234,000 | 1,174 |
| Average equity | $60,003,800 | 1,107 |
| Average total loans | $368,708,800 | 1,302 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3033% | 5,406 |
| Cost of funding earning assets | 2.4496% | 1,444 |
| Net interest margin | 2.8537% | 6,961 |
| Noninterest income to average assets | 0.2483% | 6,462 |
| Noninterest expense to average assets | 2.1555% | 7,090 |
| Loan and lease loss provision to assets | 0.0706% | 6,650 |
| Net operating income to assets | 0.5284% | 3,866 |
| Return on assets (ROA) | 0.4794% | 4,171 |
| Pretax return on assets | 0.6211% | 4,123 |
| Return on Equity (ROE) | 4.5867% | 4,119 |
| Retained earnings to average equity (ytd only) | 4.5867% | 2,711 |
| Net charge-offs to loans | -0.0143% | 7,723 |
| Credit loss provision to net charge-offs | -774.3590% | 7,303 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0524% | 3,856 |
| Assets per employee ($millions) | 6.2597% | 1,096 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8185% | 7,063 |
| Loan loss allowance to noncurrent loans | 201.4483% | 1,464 |
| Noncurrent assets plus other real estate owned to assets | 0.2609% | 6,855 |
| Noncurrent loans to loans | 0.4063% | 6,521 |
| Net loans and leases to total assets | 63.6915% | 4,932 |
| Net loans and leases to deposits | 86.6911% | 3,189 |
| Net loans and leases to core deposits | 100.0486% | 4,365 |
| Total domestic deposits to total assets | 73.4694% | 7,032 |
| Equity capital to assets | 10.5159% | 3,493 |
| Core capital (leverage) ratio | 10.3323% | 2,946 |
| Tier 1 risk-based capital ratio | 17.4212% | 2,141 |
| Total risk-based capital ratio | 18.3093% | 2,207 |
| Memoranda: | ||
| Average total assets | $570,367,500 | 1,228 |
| Average earning assets | $532,157,000 | 1,205 |
| Average equity | $59,619,750 | 1,129 |
| Average total loans | $364,768,750 | 1,343 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3276% | 5,515 |
| Cost of funding earning assets | 2.5603% | 1,400 |
| Net interest margin | 2.7673% | 7,073 |
| Noninterest income to average assets | 0.2302% | 6,637 |
| Noninterest expense to average assets | 2.1722% | 7,116 |
| Loan and lease loss provision to assets | 0.0537% | 6,687 |
| Net operating income to assets | 0.4606% | 4,251 |
| Return on assets (ROA) | 0.3884% | 4,658 |
| Pretax return on assets | 0.4911% | 4,652 |
| Return on Equity (ROE) | 3.7233% | 4,608 |
| Retained earnings to average equity (ytd only) | 3.7233% | 3,225 |
| Net charge-offs to loans | -0.0216% | 7,711 |
| Credit loss provision to net charge-offs | -389.7436% | 7,034 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3447% | 3,447 |
| Assets per employee ($millions) | 6.1079% | 1,152 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8102% | 7,116 |
| Loan loss allowance to noncurrent loans | 327.7027% | 966 |
| Noncurrent assets plus other real estate owned to assets | 0.1547% | 7,175 |
| Noncurrent loans to loans | 0.2472% | 6,892 |
| Net loans and leases to total assets | 62.0506% | 5,353 |
| Net loans and leases to deposits | 85.1012% | 3,712 |
| Net loans and leases to core deposits | 97.3029% | 4,758 |
| Total domestic deposits to total assets | 72.9139% | 7,122 |
| Equity capital to assets | 10.4104% | 3,506 |
| Core capital (leverage) ratio | 10.3387% | 2,961 |
| Tier 1 risk-based capital ratio | 18.6771% | 1,842 |
| Total risk-based capital ratio | 19.5935% | 1,868 |
| Memoranda: | ||
| Average total assets | $566,438,330 | 1,255 |
| Average earning assets | $527,741,000 | 1,232 |
| Average equity | $59,086,670 | 1,147 |
| Average total loans | $361,744,000 | 1,383 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3675% | 5,586 |
| Cost of funding earning assets | 2.6594% | 1,378 |
| Net interest margin | 2.7082% | 7,185 |
| Noninterest income to average assets | 0.2211% | 6,704 |
| Noninterest expense to average assets | 1.9474% | 7,453 |
| Loan and lease loss provision to assets | 0.0427% | 6,437 |
| Net operating income to assets | 0.5574% | 4,192 |
| Return on assets (ROA) | 0.5574% | 4,375 |
| Pretax return on assets | 0.7551% | 4,235 |
| Return on Equity (ROE) | 5.3384% | 4,313 |
| Retained earnings to average equity (ytd only) | 5.3384% | 2,940 |
| Net charge-offs to loans | 0.0011% | 5,722 |
| Credit loss provision to net charge-offs | 6,000.0000% | 119 |
| Earnings coverage of net charge-offs (x) | 1,122.0000% | 9 |
| Efficiency ratio | 70.9402% | 4,388 |
| Assets per employee ($millions) | 6.2199% | 1,079 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7761% | 7,240 |
| Loan loss allowance to noncurrent loans | 160.6131% | 2,021 |
| Noncurrent assets plus other real estate owned to assets | 0.3022% | 6,615 |
| Noncurrent loans to loans | 0.4832% | 6,218 |
| Net loans and leases to total assets | 62.0421% | 5,315 |
| Net loans and leases to deposits | 85.3009% | 3,757 |
| Net loans and leases to core deposits | 97.8667% | 4,758 |
| Total domestic deposits to total assets | 72.7333% | 7,095 |
| Equity capital to assets | 10.4106% | 3,559 |
| Core capital (leverage) ratio | 10.3202% | 3,090 |
| Tier 1 risk-based capital ratio | 18.4292% | 1,953 |
| Total risk-based capital ratio | 19.2967% | 1,991 |
| Memoranda: | ||
| Average total assets | $562,584,500 | 1,267 |
| Average earning assets | $524,336,500 | 1,240 |
| Average equity | $58,744,500 | 1,158 |
| Average total loans | $363,030,500 | 1,388 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5292% | 7,229 |
| Cost of funding earning assets | 2.9605% | 2,026 |
| Net interest margin | 2.5688% | 7,677 |
| Noninterest income to average assets | -0.8511% | 8,287 |
| Noninterest expense to average assets | 2.1678% | 7,064 |
| Loan and lease loss provision to assets | 0.4202% | 3,183 |
| Net operating income to assets | -0.6365% | 7,030 |
| Return on assets (ROA) | -0.6656% | 6,941 |
| Pretax return on assets | -1.1017% | 7,059 |
| Return on Equity (ROE) | -5.9351% | 6,958 |
| Retained earnings to average equity (ytd only) | -5.9351% | 6,658 |
| Net charge-offs to loans | 0.3748% | 2,969 |
| Credit loss provision to net charge-offs | 172.8104% | 2,955 |
| Earnings coverage of net charge-offs (x) | -2.6161% | 6,745 |
| Efficiency ratio | 141.0954% | 397 |
| Assets per employee ($millions) | 6.2128% | 1,027 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7381% | 7,334 |
| Loan loss allowance to noncurrent loans | 196.9565% | 1,969 |
| Noncurrent assets plus other real estate owned to assets | 0.2496% | 6,583 |
| Noncurrent loans to loans | 0.3747% | 6,232 |
| Net loans and leases to total assets | 66.1090% | 4,828 |
| Net loans and leases to deposits | 93.9803% | 2,762 |
| Net loans and leases to core deposits | 107.9123% | 3,978 |
| Total domestic deposits to total assets | 70.3435% | 7,240 |
| Equity capital to assets | 10.4742% | 3,535 |
| Core capital (leverage) ratio | 10.5221% | 2,959 |
| Tier 1 risk-based capital ratio | 18.1303% | 2,011 |
| Total risk-based capital ratio | 18.9769% | 2,048 |
| Memoranda: | ||
| Average total assets | $539,990,600 | 1,260 |
| Average earning assets | $500,900,800 | 1,231 |
| Average equity | $60,554,800 | 1,108 |
| Average total loans | $350,277,400 | 1,384 |