Home > First Federal Savings and Loan Association of Hammond > Performance and Condition Ratios
First Federal Savings and Loan Association of Hammond, Performance and Condition Ratios
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6878% | 1,284 |
| Cost of funding earning assets | 0.8845% | 494 |
| Net interest margin | 3.8033% | 2,464 |
| Noninterest income to average assets | 0.4308% | 3,945 |
| Noninterest expense to average assets | 12.8648% | 55 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -8.9873% | 6,724 |
| Return on assets (ROA) | -8.9873% | 6,724 |
| Pretax return on assets | -8.9873% | 6,722 |
| Return on Equity (ROE) | -725.5814% | 6,730 |
| Retained earnings to average equity (ytd only) | -725.5814% | 6,730 |
| Net charge-offs to loans | -7.2138% | 6,680 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 331.7829% | 10 |
| Assets per employee ($millions) | 3.9597% | 4,028 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6601% | 243 |
| Loan loss allowance to noncurrent loans | 115.8385% | 3,256 |
| Noncurrent assets plus other real estate owned to assets | 6.7732% | 231 |
| Noncurrent loans to loans | 3.1597% | 976 |
| Net loans and leases to total assets | 74.3844% | 1,212 |
| Net loans and leases to deposits | 80.2474% | 2,258 |
| Net loans and leases to core deposits | 87.1575% | 2,182 |
| Total domestic deposits to total assets | 92.6939% | 148 |
| Equity capital to assets | 0.1263% | 6,728 |
| Core capital (leverage) ratio | 0.1414% | 6,728 |
| Tier 1 risk-based capital ratio | 0.2929% | 6,728 |
| Total risk-based capital ratio | 0.5857% | 6,728 |
| Memoranda: | ||
| Average total assets | $39,923,000 | 6,239 |
| Average earning assets | $36,179,000 | 6,229 |
| Average equity | $494,500 | 6,725 |
| Average total loans | $30,719,000 | 5,687 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7040% | 1,562 |
| Cost of funding earning assets | 0.9739% | 519 |
| Net interest margin | 3.7301% | 2,941 |
| Noninterest income to average assets | 0.0120% | 6,626 |
| Noninterest expense to average assets | 3.6020% | 1,442 |
| Loan and lease loss provision to assets | 0.0866% | 3,373 |
| Net operating income to assets | -0.3128% | 6,421 |
| Return on assets (ROA) | -0.2743% | 6,425 |
| Pretax return on assets | -0.2743% | 6,400 |
| Return on Equity (ROE) | -10.8509% | 6,593 |
| Retained earnings to average equity (ytd only) | -10.8509% | 6,550 |
| Net charge-offs to loans | 1.4199% | 342 |
| Credit loss provision to net charge-offs | 7.7754% | 4,610 |
| Earnings coverage of net charge-offs (x) | -0.2030% | 5,148 |
| Efficiency ratio | 106.6999% | 325 |
| Assets per employee ($millions) | 4.0249% | 3,815 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8306% | 1,971 |
| Loan loss allowance to noncurrent loans | 33.2158% | 5,848 |
| Noncurrent assets plus other real estate owned to assets | 8.5319% | 171 |
| Noncurrent loans to loans | 5.5111% | 411 |
| Net loans and leases to total assets | 75.2814% | 1,188 |
| Net loans and leases to deposits | 82.4804% | 2,136 |
| Net loans and leases to core deposits | 88.9085% | 2,144 |
| Total domestic deposits to total assets | 91.2718% | 478 |
| Equity capital to assets | 2.3330% | 6,780 |
| Core capital (leverage) ratio | 2.3678% | 6,786 |
| Tier 1 risk-based capital ratio | 4.7387% | 6,773 |
| Total risk-based capital ratio | 6.0067% | 6,774 |
| Memoranda: | ||
| Average total assets | $41,560,800 | 6,239 |
| Average earning assets | $37,478,400 | 6,236 |
| Average equity | $1,050,600 | 6,796 |
| Average total loans | $32,608,600 | 5,642 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7413% | 1,492 |
| Cost of funding earning assets | 0.9822% | 542 |
| Net interest margin | 3.7591% | 2,806 |
| Noninterest income to average assets | 0.1814% | 6,108 |
| Noninterest expense to average assets | 3.5267% | 1,552 |
| Loan and lease loss provision to assets | 0.1146% | 2,856 |
| Net operating income to assets | -0.0732% | 6,359 |
| Return on assets (ROA) | -0.0732% | 6,398 |
| Pretax return on assets | -0.0732% | 6,377 |
| Return on Equity (ROE) | -2.8438% | 6,513 |
| Retained earnings to average equity (ytd only) | -2.8438% | 6,341 |
| Net charge-offs to loans | 1.5776% | 274 |
| Credit loss provision to net charge-offs | 9.2072% | 4,223 |
| Earnings coverage of net charge-offs (x) | 0.0332% | 4,846 |
| Efficiency ratio | 98.8403% | 503 |
| Assets per employee ($millions) | 3.7045% | 4,444 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0045% | 1,710 |
| Loan loss allowance to noncurrent loans | 35.3496% | 5,795 |
| Noncurrent assets plus other real estate owned to assets | 8.8567% | 185 |
| Noncurrent loans to loans | 5.6706% | 470 |
| Net loans and leases to total assets | 76.4215% | 951 |
| Net loans and leases to deposits | 82.7294% | 2,043 |
| Net loans and leases to core deposits | 88.9946% | 2,078 |
| Total domestic deposits to total assets | 92.3753% | 195 |
| Equity capital to assets | 2.4958% | 6,859 |
| Core capital (leverage) ratio | 2.5620% | 6,866 |
| Tier 1 risk-based capital ratio | 5.0746% | 6,846 |
| Total risk-based capital ratio | 6.3481% | 6,846 |
| Memoranda: | ||
| Average total assets | $41,888,750 | 6,300 |
| Average earning assets | $37,738,500 | 6,308 |
| Average equity | $1,078,500 | 6,873 |
| Average total loans | $33,044,500 | 5,678 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8086% | 1,314 |
| Cost of funding earning assets | 0.9827% | 590 |
| Net interest margin | 3.8258% | 2,455 |
| Noninterest income to average assets | 0.0237% | 6,743 |
| Noninterest expense to average assets | 3.5251% | 1,545 |
| Loan and lease loss provision to assets | -0.0095% | 6,577 |
| Net operating income to assets | -0.0473% | 6,356 |
| Return on assets (ROA) | -0.0473% | 6,405 |
| Pretax return on assets | -0.0473% | 6,393 |
| Return on Equity (ROE) | -1.8198% | 6,514 |
| Retained earnings to average equity (ytd only) | -1.8198% | 6,168 |
| Net charge-offs to loans | 0.7291% | 893 |
| Credit loss provision to net charge-offs | -1.6393% | 5,421 |
| Earnings coverage of net charge-offs (x) | -0.0984% | 4,582 |
| Efficiency ratio | 101.6371% | 440 |
| Assets per employee ($millions) | 3.7955% | 4,217 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6741% | 812 |
| Loan loss allowance to noncurrent loans | 57.8667% | 4,894 |
| Noncurrent assets plus other real estate owned to assets | 7.9784% | 257 |
| Noncurrent loans to loans | 4.6211% | 746 |
| Net loans and leases to total assets | 75.6695% | 1,019 |
| Net loans and leases to deposits | 81.7937% | 2,083 |
| Net loans and leases to core deposits | 87.8141% | 2,130 |
| Total domestic deposits to total assets | 92.5126% | 181 |
| Equity capital to assets | 2.5293% | 6,915 |
| Core capital (leverage) ratio | 2.5317% | 6,916 |
| Tier 1 risk-based capital ratio | 5.0766% | 6,894 |
| Total risk-based capital ratio | 6.3638% | 6,896 |
| Memoranda: | ||
| Average total assets | $42,268,670 | 6,336 |
| Average earning assets | $38,057,000 | 6,342 |
| Average equity | $1,099,000 | 6,918 |
| Average total loans | $33,466,670 | 5,687 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9303% | 1,006 |
| Cost of funding earning assets | 0.9923% | 638 |
| Net interest margin | 3.9380% | 1,987 |
| Noninterest income to average assets | 0.2634% | 5,578 |
| Noninterest expense to average assets | 3.5271% | 1,564 |
| Loan and lease loss provision to assets | -0.0188% | 6,749 |
| Net operating income to assets | 0.2540% | 5,713 |
| Return on assets (ROA) | 0.2540% | 5,832 |
| Pretax return on assets | 0.3010% | 5,846 |
| Return on Equity (ROE) | 9.6386% | 2,216 |
| Retained earnings to average equity (ytd only) | 9.6386% | 1,206 |
| Net charge-offs to loans | 0.0707% | 3,135 |
| Credit loss provision to net charge-offs | -33.3333% | 5,014 |
| Earnings coverage of net charge-offs (x) | 5.0000% | 2,425 |
| Efficiency ratio | 92.5926% | 939 |
| Assets per employee ($millions) | 3.8084% | 4,339 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9516% | 692 |
| Loan loss allowance to noncurrent loans | 55.5305% | 4,910 |
| Noncurrent assets plus other real estate owned to assets | 8.5768% | 276 |
| Noncurrent loans to loans | 5.3153% | 701 |
| Net loans and leases to total assets | 77.2319% | 696 |
| Net loans and leases to deposits | 83.7406% | 1,626 |
| Net loans and leases to core deposits | 89.0118% | 1,803 |
| Total domestic deposits to total assets | 92.2276% | 209 |
| Equity capital to assets | 2.7141% | 6,988 |
| Core capital (leverage) ratio | 2.6998% | 6,979 |
| Tier 1 risk-based capital ratio | 5.3855% | 6,945 |
| Total risk-based capital ratio | 6.6759% | 6,948 |
| Memoranda: | ||
| Average total assets | $42,528,000 | 6,387 |
| Average earning assets | $38,294,000 | 6,393 |
| Average equity | $1,120,500 | 6,987 |
| Average total loans | $33,970,000 | 5,707 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9497% | 1,690 |
| Cost of funding earning assets | 1.1088% | 875 |
| Net interest margin | 3.8409% | 3,056 |
| Noninterest income to average assets | -0.1748% | 6,945 |
| Noninterest expense to average assets | 3.2603% | 2,451 |
| Loan and lease loss provision to assets | -0.3262% | 7,019 |
| Net operating income to assets | 0.2054% | 5,773 |
| Return on assets (ROA) | -2.0875% | 6,948 |
| Pretax return on assets | -2.0086% | 6,923 |
| Return on Equity (ROE) | -47.4920% | 7,015 |
| Retained earnings to average equity (ytd only) | -47.4920% | 7,009 |
| Net charge-offs to loans | 1.1942% | 846 |
| Credit loss provision to net charge-offs | -34.6154% | 6,261 |
| Earnings coverage of net charge-offs (x) | -0.0475% | 5,511 |
| Efficiency ratio | 101.3926% | 510 |
| Assets per employee ($millions) | 3.9240% | 4,092 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8669% | 766 |
| Loan loss allowance to noncurrent loans | 56.1086% | 4,827 |
| Noncurrent assets plus other real estate owned to assets | 8.4932% | 313 |
| Noncurrent loans to loans | 5.1095% | 770 |
| Net loans and leases to total assets | 77.8658% | 693 |
| Net loans and leases to deposits | 83.5425% | 1,807 |
| Net loans and leases to core deposits | 91.6153% | 1,662 |
| Total domestic deposits to total assets | 93.2050% | 109 |
| Equity capital to assets | 2.5577% | 7,048 |
| Core capital (leverage) ratio | 2.5577% | 7,042 |
| Tier 1 risk-based capital ratio | 5.0640% | 7,017 |
| Total risk-based capital ratio | 6.3529% | 7,017 |
| Memoranda: | ||
| Average total assets | $46,897,800 | 6,295 |
| Average earning assets | $41,396,600 | 6,321 |
| Average equity | $2,061,400 | 6,941 |
| Average total loans | $37,013,600 | 5,635 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9651% | 1,787 |
| Cost of funding earning assets | 1.1358% | 924 |
| Net interest margin | 3.8293% | 3,209 |
| Noninterest income to average assets | 0.1589% | 6,348 |
| Noninterest expense to average assets | 3.0997% | 2,893 |
| Loan and lease loss provision to assets | -0.4265% | 7,139 |
| Net operating income to assets | 0.5622% | 4,558 |
| Return on assets (ROA) | 0.5714% | 4,789 |
| Pretax return on assets | 0.8641% | 4,244 |
| Return on Equity (ROE) | 11.8800% | 1,672 |
| Retained earnings to average equity (ytd only) | 11.8800% | 547 |
| Net charge-offs to loans | 0.5884% | 1,863 |
| Credit loss provision to net charge-offs | -92.1687% | 6,233 |
| Earnings coverage of net charge-offs (x) | 0.9156% | 4,870 |
| Efficiency ratio | 87.9747% | 1,196 |
| Assets per employee ($millions) | 4.5831% | 2,773 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5208% | 462 |
| Loan loss allowance to noncurrent loans | 54.7969% | 4,900 |
| Noncurrent assets plus other real estate owned to assets | 9.6354% | 261 |
| Noncurrent loans to loans | 6.4251% | 598 |
| Net loans and leases to total assets | 75.8155% | 999 |
| Net loans and leases to deposits | 84.3497% | 1,825 |
| Net loans and leases to core deposits | 92.2797% | 1,755 |
| Total domestic deposits to total assets | 89.8824% | 903 |
| Equity capital to assets | 5.0119% | 7,048 |
| Core capital (leverage) ratio | 3.0762% | 7,127 |
| Tier 1 risk-based capital ratio | 6.0489% | 7,086 |
| Total risk-based capital ratio | 7.3533% | 7,087 |
| Memoranda: | ||
| Average total assets | $47,831,250 | 6,343 |
| Average earning assets | $42,025,500 | 6,373 |
| Average equity | $2,300,750 | 7,005 |
| Average total loans | $37,616,500 | 5,672 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0087% | 1,766 |
| Cost of funding earning assets | 1.1548% | 1,005 |
| Net interest margin | 3.8539% | 3,119 |
| Noninterest income to average assets | 0.1402% | 6,491 |
| Noninterest expense to average assets | 2.9857% | 3,313 |
| Loan and lease loss provision to assets | -1.5258% | 7,236 |
| Net operating income to assets | 1.3596% | 1,285 |
| Return on assets (ROA) | 1.3733% | 1,411 |
| Pretax return on assets | 2.0867% | 590 |
| Return on Equity (ROE) | 28.9314% | 84 |
| Retained earnings to average equity (ytd only) | 28.9314% | 43 |
| Net charge-offs to loans | 0.3775% | 2,507 |
| Credit loss provision to net charge-offs | -513.8889% | 6,299 |
| Earnings coverage of net charge-offs (x) | 1.8194% | 4,069 |
| Efficiency ratio | 84.6784% | 1,568 |
| Assets per employee ($millions) | 4.6898% | 2,583 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1135% | 704 |
| Loan loss allowance to noncurrent loans | 64.2176% | 4,448 |
| Noncurrent assets plus other real estate owned to assets | 8.6208% | 369 |
| Noncurrent loans to loans | 4.8484% | 1,045 |
| Net loans and leases to total assets | 75.9734% | 970 |
| Net loans and leases to deposits | 85.9839% | 1,602 |
| Net loans and leases to core deposits | 93.8817% | 1,615 |
| Total domestic deposits to total assets | 88.3577% | 1,926 |
| Equity capital to assets | 5.1601% | 7,093 |
| Core capital (leverage) ratio | 3.5035% | 7,152 |
| Tier 1 risk-based capital ratio | 6.8891% | 7,098 |
| Total risk-based capital ratio | 8.1858% | 7,095 |
| Memoranda: | ||
| Average total assets | $48,498,000 | 6,369 |
| Average earning assets | $42,606,000 | 6,393 |
| Average equity | $2,302,000 | 7,053 |
| Average total loans | $38,150,330 | 5,681 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0160% | 1,835 |
| Cost of funding earning assets | 1.2009% | 984 |
| Net interest margin | 3.8151% | 3,317 |
| Noninterest income to average assets | 0.1542% | 6,474 |
| Noninterest expense to average assets | 2.7668% | 4,174 |
| Loan and lease loss provision to assets | -3.0022% | 7,303 |
| Net operating income to assets | 2.4666% | 190 |
| Return on assets (ROA) | 2.4666% | 229 |
| Pretax return on assets | 3.7405% | 101 |
| Return on Equity (ROE) | 54.2131% | 26 |
| Retained earnings to average equity (ytd only) | 54.2131% | 18 |
| Net charge-offs to loans | 0.6797% | 1,456 |
| Credit loss provision to net charge-offs | -560.6061% | 5,801 |
| Earnings coverage of net charge-offs (x) | 1.3788% | 3,637 |
| Efficiency ratio | 78.9352% | 2,364 |
| Assets per employee ($millions) | 4.3465% | 3,310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0346% | 808 |
| Loan loss allowance to noncurrent loans | 65.2864% | 4,256 |
| Noncurrent assets plus other real estate owned to assets | 8.5775% | 431 |
| Noncurrent loans to loans | 4.6482% | 1,234 |
| Net loans and leases to total assets | 76.9237% | 703 |
| Net loans and leases to deposits | 84.8612% | 1,550 |
| Net loans and leases to core deposits | 92.2726% | 1,626 |
| Total domestic deposits to total assets | 90.6465% | 716 |
| Equity capital to assets | 5.0114% | 7,139 |
| Core capital (leverage) ratio | 3.3707% | 7,218 |
| Tier 1 risk-based capital ratio | 6.5866% | 7,153 |
| Total risk-based capital ratio | 7.8790% | 7,152 |
| Memoranda: | ||
| Average total assets | $49,298,000 | 6,389 |
| Average earning assets | $43,301,500 | 6,417 |
| Average equity | $2,243,000 | 7,114 |
| Average total loans | $38,838,000 | 5,691 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3495% | 1,564 |
| Cost of funding earning assets | 1.2532% | 1,716 |
| Net interest margin | 4.0963% | 2,438 |
| Noninterest income to average assets | 0.1486% | 6,405 |
| Noninterest expense to average assets | 3.1489% | 3,033 |
| Loan and lease loss provision to assets | 3.7353% | 65 |
| Net operating income to assets | -1.8628% | 7,003 |
| Return on assets (ROA) | -1.8628% | 7,015 |
| Pretax return on assets | -3.0746% | 7,190 |
| Return on Equity (ROE) | -34.0771% | 7,123 |
| Retained earnings to average equity (ytd only) | -34.0771% | 7,117 |
| Net charge-offs to loans | 3.3693% | 237 |
| Credit loss provision to net charge-offs | 131.7931% | 2,315 |
| Earnings coverage of net charge-offs (x) | 0.2331% | 5,652 |
| Efficiency ratio | 82.6578% | 1,930 |
| Assets per employee ($millions) | 4.6168% | 2,732 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9928% | 386 |
| Loan loss allowance to noncurrent loans | 83.9683% | 3,534 |
| Noncurrent assets plus other real estate owned to assets | 8.6029% | 434 |
| Noncurrent loans to loans | 4.7551% | 1,228 |
| Net loans and leases to total assets | 75.1403% | 1,072 |
| Net loans and leases to deposits | 86.4228% | 1,624 |
| Net loans and leases to core deposits | 95.2333% | 1,567 |
| Total domestic deposits to total assets | 86.9450% | 2,796 |
| Equity capital to assets | 4.1154% | 7,220 |
| Core capital (leverage) ratio | 2.3347% | 7,300 |
| Tier 1 risk-based capital ratio | 4.4914% | 7,261 |
| Total risk-based capital ratio | 5.8034% | 7,261 |
| Memoranda: | ||
| Average total assets | $51,160,400 | 6,331 |
| Average earning assets | $45,724,000 | 6,339 |
| Average equity | $2,796,600 | 7,055 |
| Average total loans | $43,036,200 | 5,560 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4638% | 1,356 |
| Cost of funding earning assets | 1.2689% | 1,872 |
| Net interest margin | 4.1949% | 2,121 |
| Noninterest income to average assets | 0.0598% | 6,920 |
| Noninterest expense to average assets | 3.1658% | 2,938 |
| Loan and lease loss provision to assets | 4.9712% | 31 |
| Net operating income to assets | -2.4713% | 7,205 |
| Return on assets (ROA) | -2.4713% | 7,214 |
| Pretax return on assets | -4.3104% | 7,353 |
| Return on Equity (ROE) | -42.6012% | 7,264 |
| Retained earnings to average equity (ytd only) | -42.6012% | 7,258 |
| Net charge-offs to loans | 4.4080% | 129 |
| Credit loss provision to net charge-offs | 131.7931% | 2,421 |
| Earnings coverage of net charge-offs (x) | 0.1752% | 5,471 |
| Efficiency ratio | 82.7328% | 1,878 |
| Assets per employee ($millions) | 4.1124% | 3,616 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8413% | 444 |
| Loan loss allowance to noncurrent loans | 155.2838% | 1,962 |
| Noncurrent assets plus other real estate owned to assets | 6.8877% | 725 |
| Noncurrent loans to loans | 2.4737% | 2,802 |
| Net loans and leases to total assets | 80.5021% | 471 |
| Net loans and leases to deposits | 91.0043% | 1,108 |
| Net loans and leases to core deposits | 105.7216% | 887 |
| Total domestic deposits to total assets | 88.4597% | 1,779 |
| Equity capital to assets | 4.2392% | 7,304 |
| Core capital (leverage) ratio | 2.1940% | 7,387 |
| Tier 1 risk-based capital ratio | 4.1085% | 7,362 |
| Total risk-based capital ratio | 5.4186% | 7,364 |
| Memoranda: | ||
| Average total assets | $51,254,250 | 6,380 |
| Average earning assets | $46,022,500 | 6,383 |
| Average equity | $2,973,250 | 7,078 |
| Average total loans | $43,858,500 | 5,568 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4813% | 1,344 |
| Cost of funding earning assets | 1.2672% | 2,138 |
| Net interest margin | 4.2141% | 1,979 |
| Noninterest income to average assets | 0.1503% | 6,572 |
| Noninterest expense to average assets | 3.1105% | 3,213 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.5936% | 4,094 |
| Return on assets (ROA) | 0.5936% | 4,227 |
| Pretax return on assets | 0.8595% | 3,795 |
| Return on Equity (ROE) | 9.4276% | 2,337 |
| Retained earnings to average equity (ytd only) | 9.4276% | 981 |
| Net charge-offs to loans | 0.9260% | 1,680 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 1.0773% | 4,481 |
| Efficiency ratio | 78.3495% | 2,654 |
| Assets per employee ($millions) | 4.3345% | 3,109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4552% | 1,517 |
| Loan loss allowance to noncurrent loans | 71.1126% | 3,892 |
| Noncurrent assets plus other real estate owned to assets | 6.3060% | 863 |
| Noncurrent loans to loans | 3.4525% | 2,051 |
| Net loans and leases to total assets | 83.4871% | 274 |
| Net loans and leases to deposits | 97.2804% | 634 |
| Net loans and leases to core deposits | 108.6304% | 776 |
| Total domestic deposits to total assets | 85.8211% | 3,429 |
| Equity capital to assets | 6.4117% | 7,202 |
| Core capital (leverage) ratio | 5.8709% | 7,217 |
| Tier 1 risk-based capital ratio | 11.3317% | 6,297 |
| Total risk-based capital ratio | 12.6157% | 6,262 |
| Memoranda: | ||
| Average total assets | $51,889,330 | 6,417 |
| Average earning assets | $47,032,670 | 6,400 |
| Average equity | $3,267,000 | 7,052 |
| Average total loans | $44,706,670 | 5,580 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5071% | 1,277 |
| Cost of funding earning assets | 1.3003% | 2,171 |
| Net interest margin | 4.2068% | 1,874 |
| Noninterest income to average assets | 0.1775% | 6,455 |
| Noninterest expense to average assets | 2.8634% | 4,221 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.8258% | 2,904 |
| Return on assets (ROA) | 0.8258% | 2,966 |
| Pretax return on assets | 1.1345% | 2,626 |
| Return on Equity (ROE) | 13.2385% | 1,139 |
| Retained earnings to average equity (ytd only) | 13.2385% | 553 |
| Net charge-offs to loans | 0.8125% | 1,607 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 1.6154% | 3,504 |
| Efficiency ratio | 71.6216% | 3,938 |
| Assets per employee ($millions) | 4.3027% | 3,241 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7243% | 1,186 |
| Loan loss allowance to noncurrent loans | 76.0377% | 3,676 |
| Noncurrent assets plus other real estate owned to assets | 6.0641% | 947 |
| Noncurrent loans to loans | 3.5829% | 2,075 |
| Net loans and leases to total assets | 83.6090% | 244 |
| Net loans and leases to deposits | 93.2940% | 892 |
| Net loans and leases to core deposits | 105.2774% | 977 |
| Total domestic deposits to total assets | 89.6188% | 1,417 |
| Equity capital to assets | 6.3720% | 7,240 |
| Core capital (leverage) ratio | 5.7794% | 7,286 |
| Tier 1 risk-based capital ratio | 11.2255% | 6,330 |
| Total risk-based capital ratio | 12.5166% | 6,269 |
| Memoranda: | ||
| Average total assets | $51,827,000 | 6,464 |
| Average earning assets | $47,066,500 | 6,448 |
| Average equity | $3,233,000 | 7,102 |
| Average total loans | $44,801,000 | 5,623 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5344% | 2,142 |
| Cost of funding earning assets | 1.7729% | 1,284 |
| Net interest margin | 3.7615% | 4,102 |
| Noninterest income to average assets | 0.1270% | 6,761 |
| Noninterest expense to average assets | 2.4472% | 5,953 |
| Loan and lease loss provision to assets | 4.5659% | 99 |
| Net operating income to assets | -2.3651% | 7,155 |
| Return on assets (ROA) | -2.3651% | 7,163 |
| Pretax return on assets | -3.4440% | 7,359 |
| Return on Equity (ROE) | -36.1583% | 7,299 |
| Retained earnings to average equity (ytd only) | -36.1583% | 7,291 |
| Net charge-offs to loans | 2.2949% | 843 |
| Credit loss provision to net charge-offs | 224.1843% | 1,334 |
| Earnings coverage of net charge-offs (x) | 0.5509% | 5,558 |
| Efficiency ratio | 68.5652% | 4,444 |
| Assets per employee ($millions) | 4.3352% | 3,142 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8746% | 981 |
| Loan loss allowance to noncurrent loans | 63.2911% | 4,237 |
| Noncurrent assets plus other real estate owned to assets | 6.2051% | 936 |
| Noncurrent loans to loans | 4.5418% | 1,552 |
| Net loans and leases to total assets | 84.4335% | 270 |
| Net loans and leases to deposits | 93.8968% | 1,075 |
| Net loans and leases to core deposits | 107.1343% | 1,115 |
| Total domestic deposits to total assets | 89.9216% | 1,147 |
| Equity capital to assets | 6.1051% | 7,329 |
| Core capital (leverage) ratio | 5.5202% | 7,362 |
| Tier 1 risk-based capital ratio | 10.5959% | 6,639 |
| Total risk-based capital ratio | 11.8916% | 6,578 |
| Memoranda: | ||
| Average total assets | $51,161,400 | 6,492 |
| Average earning assets | $46,816,400 | 6,485 |
| Average equity | $3,346,400 | 7,178 |
| Average total loans | $45,405,800 | 5,690 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5459% | 2,268 |
| Cost of funding earning assets | 1.8705% | 1,137 |
| Net interest margin | 3.6754% | 4,522 |
| Noninterest income to average assets | 0.1099% | 6,997 |
| Noninterest expense to average assets | 2.3685% | 6,120 |
| Loan and lease loss provision to assets | 5.9905% | 50 |
| Net operating income to assets | -3.3341% | 7,495 |
| Return on assets (ROA) | -3.3341% | 7,508 |
| Pretax return on assets | -4.8808% | 7,632 |
| Return on Equity (ROE) | -50.1216% | 7,561 |
| Retained earnings to average equity (ytd only) | -50.1216% | 7,558 |
| Net charge-offs to loans | 2.9188% | 549 |
| Credit loss provision to net charge-offs | 230.0503% | 1,496 |
| Earnings coverage of net charge-offs (x) | 0.4261% | 5,596 |
| Efficiency ratio | 68.0963% | 4,450 |
| Assets per employee ($millions) | 4.2934% | 3,275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8316% | 980 |
| Loan loss allowance to noncurrent loans | 57.7265% | 4,460 |
| Noncurrent assets plus other real estate owned to assets | 5.7278% | 1,061 |
| Noncurrent loans to loans | 4.9052% | 1,430 |
| Net loans and leases to total assets | 86.5861% | 159 |
| Net loans and leases to deposits | 93.2795% | 1,284 |
| Net loans and leases to core deposits | 105.4610% | 1,366 |
| Total domestic deposits to total assets | 92.8243% | 115 |
| Equity capital to assets | 6.0519% | 7,481 |
| Core capital (leverage) ratio | 5.3579% | 7,514 |
| Tier 1 risk-based capital ratio | 10.1062% | 7,009 |
| Total risk-based capital ratio | 11.4009% | 6,968 |
| Memoranda: | ||
| Average total assets | $50,946,250 | 6,576 |
| Average earning assets | $46,687,750 | 6,571 |
| Average equity | $3,389,000 | 7,258 |
| Average total loans | $45,451,250 | 5,768 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6132% | 2,086 |
| Cost of funding earning assets | 1.9500% | 1,043 |
| Net interest margin | 3.6632% | 4,530 |
| Noninterest income to average assets | 0.1222% | 6,988 |
| Noninterest expense to average assets | 2.4313% | 5,974 |
| Loan and lease loss provision to assets | 8.6495% | 17 |
| Net operating income to assets | -5.0596% | 7,701 |
| Return on assets (ROA) | -5.0596% | 7,702 |
| Pretax return on assets | -7.6052% | 7,778 |
| Return on Equity (ROE) | -73.8073% | 7,690 |
| Retained earnings to average equity (ytd only) | -73.8073% | 7,688 |
| Net charge-offs to loans | 3.9781% | 326 |
| Credit loss provision to net charge-offs | 243.6182% | 1,582 |
| Earnings coverage of net charge-offs (x) | 0.2941% | 5,434 |
| Efficiency ratio | 69.9546% | 4,198 |
| Assets per employee ($millions) | 3.6877% | 4,504 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8000% | 999 |
| Loan loss allowance to noncurrent loans | 64.7733% | 4,099 |
| Noncurrent assets plus other real estate owned to assets | 5.2433% | 1,203 |
| Noncurrent loans to loans | 4.3227% | 1,717 |
| Net loans and leases to total assets | 87.4119% | 154 |
| Net loans and leases to deposits | 98.1940% | 857 |
| Net loans and leases to core deposits | 112.2891% | 1,020 |
| Total domestic deposits to total assets | 89.0195% | 1,429 |
| Equity capital to assets | 6.0181% | 7,538 |
| Core capital (leverage) ratio | 5.1901% | 7,582 |
| Tier 1 risk-based capital ratio | 9.6754% | 7,190 |
| Total risk-based capital ratio | 10.9686% | 7,167 |
| Memoranda: | ||
| Average total assets | $50,754,670 | 6,624 |
| Average earning assets | $46,462,000 | 6,612 |
| Average equity | $3,479,330 | 7,270 |
| Average total loans | $45,298,330 | 5,805 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6045% | 2,131 |
| Cost of funding earning assets | 2.0097% | 1,053 |
| Net interest margin | 3.5949% | 4,757 |
| Noninterest income to average assets | 0.1113% | 7,135 |
| Noninterest expense to average assets | 2.4723% | 5,833 |
| Loan and lease loss provision to assets | 17.4490% | 5 |
| Net operating income to assets | -11.2485% | 7,907 |
| Return on assets (ROA) | -11.2485% | 7,907 |
| Pretax return on assets | -16.5110% | 7,924 |
| Return on Equity (ROE) | -154.4128% | 7,871 |
| Retained earnings to average equity (ytd only) | -154.4128% | 7,869 |
| Net charge-offs to loans | 8.0567% | 94 |
| Credit loss provision to net charge-offs | 243.6182% | 1,579 |
| Earnings coverage of net charge-offs (x) | 0.1310% | 4,911 |
| Efficiency ratio | 72.4942% | 3,843 |
| Assets per employee ($millions) | 4.5775% | 2,845 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9207% | 878 |
| Loan loss allowance to noncurrent loans | 70.3463% | 3,840 |
| Noncurrent assets plus other real estate owned to assets | 5.1079% | 1,246 |
| Noncurrent loans to loans | 4.1519% | 1,854 |
| Net loans and leases to total assets | 85.8142% | 228 |
| Net loans and leases to deposits | 95.5170% | 1,167 |
| Net loans and leases to core deposits | 108.0655% | 1,414 |
| Total domestic deposits to total assets | 89.8417% | 1,073 |
| Equity capital to assets | 5.9182% | 7,629 |
| Core capital (leverage) ratio | 4.9961% | 7,703 |
| Tier 1 risk-based capital ratio | 9.4213% | 7,342 |
| Total risk-based capital ratio | 10.7148% | 7,315 |
| Memoranda: | ||
| Average total assets | $50,318,000 | 6,724 |
| Average earning assets | $46,177,000 | 6,698 |
| Average equity | $3,665,500 | 7,297 |
| Average total loans | $44,733,000 | 5,901 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9376% | 2,096 |
| Cost of funding earning assets | 2.7683% | 490 |
| Net interest margin | 3.1694% | 6,185 |
| Noninterest income to average assets | 0.0592% | 7,461 |
| Noninterest expense to average assets | 2.3489% | 6,606 |
| Loan and lease loss provision to assets | 1.8771% | 1,192 |
| Net operating income to assets | -0.6863% | 6,353 |
| Return on assets (ROA) | -0.6863% | 6,346 |
| Pretax return on assets | -1.2132% | 6,547 |
| Return on Equity (ROE) | -7.2693% | 6,407 |
| Retained earnings to average equity (ytd only) | -7.2693% | 6,269 |
| Net charge-offs to loans | 2.1406% | 1,132 |
| Credit loss provision to net charge-offs | 97.9744% | 5,687 |
| Earnings coverage of net charge-offs (x) | 0.3465% | 5,766 |
| Efficiency ratio | 77.9661% | 3,197 |
| Assets per employee ($millions) | 4.1903% | 3,459 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1112% | 7,910 |
| Loan loss allowance to noncurrent loans | 2.1079% | 7,435 |
| Noncurrent assets plus other real estate owned to assets | 6.2904% | 877 |
| Noncurrent loans to loans | 5.2763% | 1,247 |
| Net loans and leases to total assets | 89.3065% | 115 |
| Net loans and leases to deposits | 105.9104% | 552 |
| Net loans and leases to core deposits | 202.7634% | 96 |
| Total domestic deposits to total assets | 84.3227% | 3,879 |
| Equity capital to assets | 8.6530% | 5,656 |
| Core capital (leverage) ratio | 8.6380% | 5,037 |
| Tier 1 risk-based capital ratio | 15.9474% | 2,546 |
| Total risk-based capital ratio | 16.1310% | 2,955 |
| Memoranda: | ||
| Average total assets | $48,959,800 | 6,751 |
| Average earning assets | $45,624,200 | 6,695 |
| Average equity | $4,622,200 | 7,070 |
| Average total loans | $43,819,000 | 5,940 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1206% | 1,576 |
| Cost of funding earning assets | 2.9473% | 385 |
| Net interest margin | 3.1733% | 6,108 |
| Noninterest income to average assets | 0.0658% | 7,580 |
| Noninterest expense to average assets | 2.3031% | 6,698 |
| Loan and lease loss provision to assets | 0.7540% | 2,481 |
| Net operating income to assets | -0.0082% | 5,719 |
| Return on assets (ROA) | -0.0082% | 5,784 |
| Pretax return on assets | -0.0274% | 5,750 |
| Return on Equity (ROE) | -0.0853% | 5,788 |
| Retained earnings to average equity (ytd only) | -0.0853% | 5,229 |
| Net charge-offs to loans | 1.0260% | 1,923 |
| Credit loss provision to net charge-offs | 82.0896% | 5,707 |
| Earnings coverage of net charge-offs (x) | 0.7910% | 5,264 |
| Efficiency ratio | 76.0181% | 3,510 |
| Assets per employee ($millions) | 4.1664% | 3,433 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1345% | 7,993 |
| Loan loss allowance to noncurrent loans | 1.4829% | 7,524 |
| Noncurrent assets plus other real estate owned to assets | 10.0046% | 339 |
| Noncurrent loans to loans | 9.0707% | 493 |
| Net loans and leases to total assets | 89.0953% | 152 |
| Net loans and leases to deposits | 107.1205% | 599 |
| Net loans and leases to core deposits | 176.3669% | 210 |
| Total domestic deposits to total assets | 83.1730% | 4,134 |
| Equity capital to assets | 9.3786% | 4,913 |
| Core capital (leverage) ratio | 9.3537% | 4,107 |
| Tier 1 risk-based capital ratio | 17.0291% | 2,268 |
| Total risk-based capital ratio | 17.2477% | 2,561 |
| Memoranda: | ||
| Average total assets | $48,629,000 | 6,819 |
| Average earning assets | $45,419,000 | 6,760 |
| Average equity | $4,690,000 | 7,114 |
| Average total loans | $43,534,750 | 5,996 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1755% | 1,542 |
| Cost of funding earning assets | 3.0700% | 386 |
| Net interest margin | 3.1055% | 6,221 |
| Noninterest income to average assets | 0.0374% | 7,803 |
| Noninterest expense to average assets | 2.3914% | 6,492 |
| Loan and lease loss provision to assets | 0.5190% | 2,949 |
| Net operating income to assets | 0.0249% | 5,774 |
| Return on assets (ROA) | 0.0249% | 5,855 |
| Pretax return on assets | 0.0332% | 5,807 |
| Return on Equity (ROE) | 0.2558% | 5,846 |
| Retained earnings to average equity (ytd only) | 0.2558% | 5,111 |
| Net charge-offs to loans | 0.0973% | 5,196 |
| Credit loss provision to net charge-offs | 595.2381% | 783 |
| Earnings coverage of net charge-offs (x) | 6.3333% | 2,642 |
| Efficiency ratio | 81.2412% | 2,846 |
| Assets per employee ($millions) | 4.1010% | 3,492 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5075% | 7,779 |
| Loan loss allowance to noncurrent loans | 6.5382% | 7,535 |
| Noncurrent assets plus other real estate owned to assets | 8.2988% | 448 |
| Noncurrent loans to loans | 7.7622% | 583 |
| Net loans and leases to total assets | 89.2323% | 170 |
| Net loans and leases to deposits | 111.4656% | 499 |
| Net loans and leases to core deposits | 186.2299% | 173 |
| Total domestic deposits to total assets | 80.0536% | 5,460 |
| Equity capital to assets | 9.5282% | 4,573 |
| Core capital (leverage) ratio | 9.5194% | 3,858 |
| Tier 1 risk-based capital ratio | 17.5267% | 2,142 |
| Total risk-based capital ratio | 18.3648% | 2,212 |
| Memoranda: | ||
| Average total assets | $48,173,000 | 6,897 |
| Average earning assets | $45,081,670 | 6,834 |
| Average equity | $4,690,330 | 7,177 |
| Average total loans | $43,178,000 | 6,058 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2566% | 1,423 |
| Cost of funding earning assets | 3.1283% | 422 |
| Net interest margin | 3.1283% | 6,110 |
| Noninterest income to average assets | 0.0168% | 7,991 |
| Noninterest expense to average assets | 2.3923% | 6,220 |
| Loan and lease loss provision to assets | 0.1259% | 5,346 |
| Net operating income to assets | 0.3358% | 5,137 |
| Return on assets (ROA) | 0.3358% | 5,320 |
| Pretax return on assets | 0.4281% | 5,320 |
| Return on Equity (ROE) | 3.4108% | 5,205 |
| Retained earnings to average equity (ytd only) | 3.4108% | 3,991 |
| Net charge-offs to loans | 0.1967% | 3,457 |
| Credit loss provision to net charge-offs | 71.4286% | 4,328 |
| Earnings coverage of net charge-offs (x) | 3.1429% | 3,273 |
| Efficiency ratio | 81.1966% | 2,653 |
| Assets per employee ($millions) | 4.0243% | 3,613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2637% | 8,060 |
| Loan loss allowance to noncurrent loans | 4.0354% | 7,557 |
| Noncurrent assets plus other real estate owned to assets | 6.6802% | 535 |
| Noncurrent loans to loans | 6.5356% | 671 |
| Net loans and leases to total assets | 89.2715% | 177 |
| Net loans and leases to deposits | 112.9240% | 479 |
| Net loans and leases to core deposits | 204.9976% | 130 |
| Total domestic deposits to total assets | 79.0545% | 5,703 |
| Equity capital to assets | 9.7739% | 4,272 |
| Core capital (leverage) ratio | 9.7701% | 3,669 |
| Tier 1 risk-based capital ratio | 18.2804% | 1,984 |
| Total risk-based capital ratio | 18.7222% | 2,140 |
| Memoranda: | ||
| Average total assets | $47,653,500 | 6,957 |
| Average earning assets | $44,625,000 | 6,893 |
| Average equity | $4,691,000 | 7,226 |
| Average total loans | $42,698,500 | 6,106 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5800% | 2,578 |
| Cost of funding earning assets | 3.5835% | 414 |
| Net interest margin | 2.9966% | 6,930 |
| Noninterest income to average assets | 0.0302% | 7,980 |
| Noninterest expense to average assets | 2.2596% | 6,811 |
| Loan and lease loss provision to assets | 0.1271% | 5,739 |
| Net operating income to assets | 0.2843% | 5,593 |
| Return on assets (ROA) | 0.2843% | 5,407 |
| Pretax return on assets | 0.4588% | 5,099 |
| Return on Equity (ROE) | 2.8179% | 5,300 |
| Retained earnings to average equity (ytd only) | 2.8179% | 3,424 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4095% | 2,683 |
| Assets per employee ($millions) | 3.9179% | 3,688 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2845% | 8,095 |
| Loan loss allowance to noncurrent loans | 12.8755% | 7,454 |
| Noncurrent assets plus other real estate owned to assets | 2.8353% | 1,654 |
| Noncurrent loans to loans | 2.2100% | 2,499 |
| Net loans and leases to total assets | 89.4438% | 240 |
| Net loans and leases to deposits | 115.7724% | 535 |
| Net loans and leases to core deposits | 213.1266% | 131 |
| Total domestic deposits to total assets | 77.2583% | 5,929 |
| Equity capital to assets | 9.9160% | 4,137 |
| Core capital (leverage) ratio | 9.9435% | 3,505 |
| Tier 1 risk-based capital ratio | 19.2637% | 1,760 |
| Total risk-based capital ratio | 19.7579% | 1,861 |
| Memoranda: | ||
| Average total assets | $46,424,800 | 6,922 |
| Average earning assets | $43,616,800 | 6,870 |
| Average equity | $4,684,400 | 7,261 |
| Average total loans | $41,290,400 | 6,106 |