Home > First Federal Savings and Loan Association of Independence > Performance and Condition Ratios
First Federal Savings and Loan Association of Independence, Performance and Condition Ratios
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4646% | 1,713 |
| Cost of funding earning assets | 0.9959% | 181 |
| Net interest margin | 3.4687% | 3,676 |
| Noninterest income to average assets | 0.5963% | 2,764 |
| Noninterest expense to average assets | 3.6893% | 992 |
| Loan and lease loss provision to assets | -0.0237% | 5,857 |
| Net operating income to assets | 0.1422% | 5,788 |
| Return on assets (ROA) | 0.1422% | 5,833 |
| Pretax return on assets | 0.1422% | 5,852 |
| Return on Equity (ROE) | 1.3881% | 5,798 |
| Retained earnings to average equity (ytd only) | 1.3881% | 5,167 |
| Net charge-offs to loans | 0.0387% | 3,117 |
| Credit loss provision to net charge-offs | -92.3077% | 5,044 |
| Earnings coverage of net charge-offs (x) | 4.6149% | 3,327 |
| Efficiency ratio | 96.8888% | 392 |
| Assets per employee ($millions) | 2.8625% | 5,699 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8546% | 1,163 |
| Loan loss allowance to noncurrent loans | 101.6908% | 3,644 |
| Noncurrent assets plus other real estate owned to assets | 1.4748% | 1,527 |
| Noncurrent loans to loans | 1.8237% | 1,294 |
| Net loans and leases to total assets | 67.6800% | 2,738 |
| Net loans and leases to deposits | 101.8806% | 552 |
| Net loans and leases to core deposits | 102.1995% | 1,369 |
| Total domestic deposits to total assets | 66.4307% | 6,083 |
| Equity capital to assets | 10.5037% | 3,602 |
| Core capital (leverage) ratio | 10.4504% | 3,100 |
| Tier 1 risk-based capital ratio | 21.0777% | 1,332 |
| Total risk-based capital ratio | 22.3457% | 1,310 |
| Memoranda: | ||
| Average total assets | $135,052,500 | 3,845 |
| Average earning assets | $125,039,500 | 3,828 |
| Average equity | $13,831,500 | 4,053 |
| Average total loans | $89,628,000 | 3,632 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4963% | 1,552 |
| Cost of funding earning assets | 0.9942% | 185 |
| Net interest margin | 3.5021% | 3,484 |
| Noninterest income to average assets | 0.4098% | 4,007 |
| Noninterest expense to average assets | 3.3339% | 1,620 |
| Loan and lease loss provision to assets | -0.0397% | 6,012 |
| Net operating income to assets | 0.3539% | 5,282 |
| Return on assets (ROA) | 0.3539% | 5,392 |
| Pretax return on assets | 0.3539% | 5,560 |
| Return on Equity (ROE) | 3.4848% | 5,237 |
| Retained earnings to average equity (ytd only) | 3.4848% | 3,823 |
| Net charge-offs to loans | 0.0269% | 3,139 |
| Credit loss provision to net charge-offs | -225.0000% | 5,048 |
| Earnings coverage of net charge-offs (x) | 17.8333% | 1,833 |
| Efficiency ratio | 91.3849% | 665 |
| Assets per employee ($millions) | 2.9255% | 5,690 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8874% | 1,193 |
| Loan loss allowance to noncurrent loans | 93.0807% | 3,878 |
| Noncurrent assets plus other real estate owned to assets | 1.5880% | 1,522 |
| Noncurrent loans to loans | 2.0277% | 1,193 |
| Net loans and leases to total assets | 65.4733% | 3,052 |
| Net loans and leases to deposits | 97.1755% | 862 |
| Net loans and leases to core deposits | 97.4798% | 1,693 |
| Total domestic deposits to total assets | 67.3763% | 6,134 |
| Equity capital to assets | 10.3497% | 3,619 |
| Core capital (leverage) ratio | 10.3286% | 3,179 |
| Tier 1 risk-based capital ratio | 20.9683% | 1,370 |
| Total risk-based capital ratio | 22.2359% | 1,332 |
| Memoranda: | ||
| Average total assets | $136,177,670 | 3,849 |
| Average earning assets | $125,924,670 | 3,847 |
| Average equity | $13,831,670 | 4,076 |
| Average total loans | $89,236,330 | 3,659 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4136% | 1,722 |
| Cost of funding earning assets | 0.9976% | 186 |
| Net interest margin | 3.4160% | 3,777 |
| Noninterest income to average assets | 0.7125% | 2,115 |
| Noninterest expense to average assets | 3.2735% | 1,783 |
| Loan and lease loss provision to assets | 0.0350% | 3,204 |
| Net operating income to assets | 0.5636% | 4,437 |
| Return on assets (ROA) | 0.5636% | 4,536 |
| Pretax return on assets | 0.5636% | 5,015 |
| Return on Equity (ROE) | 5.6009% | 4,228 |
| Retained earnings to average equity (ytd only) | 5.6009% | 2,716 |
| Net charge-offs to loans | -0.0045% | 4,470 |
| Credit loss provision to net charge-offs | -1,200.0000% | 5,015 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.5400% | 1,313 |
| Assets per employee ($millions) | 2.9915% | 5,670 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9460% | 1,195 |
| Loan loss allowance to noncurrent loans | 115.7720% | 3,339 |
| Noncurrent assets plus other real estate owned to assets | 1.3931% | 1,905 |
| Noncurrent loans to loans | 1.6809% | 1,644 |
| Net loans and leases to total assets | 63.9670% | 3,092 |
| Net loans and leases to deposits | 93.8533% | 996 |
| Net loans and leases to core deposits | 94.1363% | 1,754 |
| Total domestic deposits to total assets | 68.1564% | 6,194 |
| Equity capital to assets | 10.0865% | 4,039 |
| Core capital (leverage) ratio | 10.1423% | 3,412 |
| Tier 1 risk-based capital ratio | 20.6388% | 1,494 |
| Total risk-based capital ratio | 21.9057% | 1,455 |
| Memoranda: | ||
| Average total assets | $136,979,500 | 3,861 |
| Average earning assets | $126,699,000 | 3,853 |
| Average equity | $13,783,500 | 4,111 |
| Average total loans | $88,952,000 | 3,672 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4021% | 2,214 |
| Cost of funding earning assets | 1.0746% | 155 |
| Net interest margin | 3.3275% | 4,480 |
| Noninterest income to average assets | 0.7046% | 2,282 |
| Noninterest expense to average assets | 3.2907% | 1,957 |
| Loan and lease loss provision to assets | 0.0356% | 3,881 |
| Net operating income to assets | 0.4499% | 5,023 |
| Return on assets (ROA) | 0.4499% | 5,114 |
| Pretax return on assets | 0.4499% | 5,387 |
| Return on Equity (ROE) | 4.6475% | 4,821 |
| Retained earnings to average equity (ytd only) | 4.6475% | 2,863 |
| Net charge-offs to loans | 0.2139% | 1,954 |
| Credit loss provision to net charge-offs | 27.8409% | 3,872 |
| Earnings coverage of net charge-offs (x) | 3.8011% | 3,809 |
| Efficiency ratio | 87.1445% | 1,061 |
| Assets per employee ($millions) | 3.0300% | 5,660 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9675% | 1,167 |
| Loan loss allowance to noncurrent loans | 102.3613% | 3,660 |
| Noncurrent assets plus other real estate owned to assets | 1.6377% | 1,646 |
| Noncurrent loans to loans | 1.9221% | 1,464 |
| Net loans and leases to total assets | 63.3653% | 3,307 |
| Net loans and leases to deposits | 93.1676% | 1,167 |
| Net loans and leases to core deposits | 93.4527% | 1,955 |
| Total domestic deposits to total assets | 68.0122% | 6,267 |
| Equity capital to assets | 10.0382% | 4,060 |
| Core capital (leverage) ratio | 10.0382% | 3,520 |
| Tier 1 risk-based capital ratio | 19.3486% | 1,759 |
| Total risk-based capital ratio | 20.6152% | 1,722 |
| Memoranda: | ||
| Average total assets | $137,812,400 | 3,840 |
| Average earning assets | $127,213,000 | 3,819 |
| Average equity | $13,340,600 | 4,131 |
| Average total loans | $82,288,800 | 3,810 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3460% | 2,435 |
| Cost of funding earning assets | 1.0883% | 156 |
| Net interest margin | 3.2576% | 4,774 |
| Noninterest income to average assets | 0.6754% | 2,450 |
| Noninterest expense to average assets | 3.2797% | 1,948 |
| Loan and lease loss provision to assets | 0.0145% | 4,123 |
| Net operating income to assets | 0.3879% | 5,294 |
| Return on assets (ROA) | 0.3879% | 5,375 |
| Pretax return on assets | 0.3879% | 5,607 |
| Return on Equity (ROE) | 4.0440% | 5,152 |
| Retained earnings to average equity (ytd only) | 4.0440% | 3,773 |
| Net charge-offs to loans | 0.2557% | 1,515 |
| Credit loss provision to net charge-offs | 9.6774% | 3,708 |
| Earnings coverage of net charge-offs (x) | 2.6904% | 3,847 |
| Efficiency ratio | 89.0723% | 922 |
| Assets per employee ($millions) | 2.9755% | 5,753 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0510% | 1,163 |
| Loan loss allowance to noncurrent loans | 147.3459% | 2,782 |
| Noncurrent assets plus other real estate owned to assets | 1.3129% | 2,356 |
| Noncurrent loans to loans | 1.3920% | 2,323 |
| Net loans and leases to total assets | 60.0479% | 3,779 |
| Net loans and leases to deposits | 88.0525% | 1,665 |
| Net loans and leases to core deposits | 88.3194% | 2,390 |
| Total domestic deposits to total assets | 68.1956% | 6,345 |
| Equity capital to assets | 9.8404% | 4,375 |
| Core capital (leverage) ratio | 9.8404% | 3,886 |
| Tier 1 risk-based capital ratio | 19.6124% | 1,758 |
| Total risk-based capital ratio | 20.8792% | 1,720 |
| Memoranda: | ||
| Average total assets | $138,178,250 | 3,860 |
| Average earning assets | $127,532,500 | 3,842 |
| Average equity | $13,254,000 | 4,168 |
| Average total loans | $80,828,000 | 3,882 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3282% | 2,486 |
| Cost of funding earning assets | 1.1048% | 145 |
| Net interest margin | 3.2234% | 4,858 |
| Noninterest income to average assets | 0.6060% | 2,789 |
| Noninterest expense to average assets | 3.2666% | 2,003 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.3073% | 5,543 |
| Return on assets (ROA) | 0.3073% | 5,614 |
| Pretax return on assets | 0.3073% | 5,768 |
| Return on Equity (ROE) | 3.2316% | 5,447 |
| Retained earnings to average equity (ytd only) | 3.2316% | 4,147 |
| Net charge-offs to loans | 0.3258% | 1,251 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 1.6385% | 3,752 |
| Efficiency ratio | 91.4009% | 807 |
| Assets per employee ($millions) | 3.0934% | 5,608 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1154% | 1,151 |
| Loan loss allowance to noncurrent loans | 119.7095% | 3,214 |
| Noncurrent assets plus other real estate owned to assets | 1.4368% | 2,270 |
| Noncurrent loans to loans | 1.7671% | 1,948 |
| Net loans and leases to total assets | 57.5411% | 4,047 |
| Net loans and leases to deposits | 83.7024% | 2,063 |
| Net loans and leases to core deposits | 83.9489% | 2,742 |
| Total domestic deposits to total assets | 68.7449% | 6,396 |
| Equity capital to assets | 9.5400% | 4,703 |
| Core capital (leverage) ratio | 9.5400% | 4,265 |
| Tier 1 risk-based capital ratio | 19.4385% | 1,814 |
| Total risk-based capital ratio | 20.7061% | 1,780 |
| Memoranda: | ||
| Average total assets | $138,613,000 | 3,872 |
| Average earning assets | $127,628,000 | 3,861 |
| Average equity | $13,182,330 | 4,189 |
| Average total loans | $79,800,330 | 3,917 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3173% | 2,459 |
| Cost of funding earning assets | 0.9864% | 289 |
| Net interest margin | 3.3309% | 4,417 |
| Noninterest income to average assets | 0.7230% | 2,070 |
| Noninterest expense to average assets | 3.3951% | 1,711 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.3846% | 5,168 |
| Return on assets (ROA) | 0.3846% | 5,239 |
| Pretax return on assets | 0.3846% | 5,500 |
| Return on Equity (ROE) | 4.0507% | 5,004 |
| Retained earnings to average equity (ytd only) | 4.0507% | 3,681 |
| Net charge-offs to loans | 0.2183% | 1,449 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 3.0930% | 2,736 |
| Efficiency ratio | 89.8240% | 1,053 |
| Assets per employee ($millions) | 3.1037% | 5,681 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3023% | 1,026 |
| Loan loss allowance to noncurrent loans | 119.9208% | 3,172 |
| Noncurrent assets plus other real estate owned to assets | 1.5895% | 2,218 |
| Noncurrent loans to loans | 1.9199% | 1,968 |
| Net loans and leases to total assets | 55.2357% | 4,247 |
| Net loans and leases to deposits | 79.9919% | 2,296 |
| Net loans and leases to core deposits | 80.2257% | 2,944 |
| Total domestic deposits to total assets | 69.0517% | 6,479 |
| Equity capital to assets | 9.4512% | 4,562 |
| Core capital (leverage) ratio | 9.4512% | 4,349 |
| Tier 1 risk-based capital ratio | 19.8493% | 1,759 |
| Total risk-based capital ratio | 21.1200% | 1,718 |
| Memoranda: | ||
| Average total assets | $138,318,000 | 3,913 |
| Average earning assets | $126,931,000 | 3,906 |
| Average equity | $13,133,500 | 4,210 |
| Average total loans | $78,785,500 | 3,974 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3185% | 2,887 |
| Cost of funding earning assets | 1.1904% | 189 |
| Net interest margin | 3.1280% | 5,235 |
| Noninterest income to average assets | 0.6474% | 2,822 |
| Noninterest expense to average assets | 3.6764% | 1,322 |
| Loan and lease loss provision to assets | -0.0102% | 6,273 |
| Net operating income to assets | -1.4514% | 6,671 |
| Return on assets (ROA) | -1.4514% | 6,668 |
| Pretax return on assets | -0.1919% | 6,345 |
| Return on Equity (ROE) | -14.9873% | 6,643 |
| Retained earnings to average equity (ytd only) | -14.9873% | 6,616 |
| Net charge-offs to loans | 0.3049% | 2,162 |
| Credit loss provision to net charge-offs | -5.9055% | 5,673 |
| Earnings coverage of net charge-offs (x) | -1.1732% | 5,275 |
| Efficiency ratio | 105.8146% | 341 |
| Assets per employee ($millions) | 3.0438% | 5,766 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3674% | 964 |
| Loan loss allowance to noncurrent loans | 71.5494% | 4,434 |
| Noncurrent assets plus other real estate owned to assets | 2.6400% | 1,278 |
| Noncurrent loans to loans | 3.3088% | 986 |
| Net loans and leases to total assets | 56.0316% | 4,314 |
| Net loans and leases to deposits | 81.9089% | 2,188 |
| Net loans and leases to core deposits | 82.6516% | 2,817 |
| Total domestic deposits to total assets | 68.4072% | 6,574 |
| Equity capital to assets | 9.5400% | 4,367 |
| Core capital (leverage) ratio | 9.5400% | 4,203 |
| Tier 1 risk-based capital ratio | 19.7354% | 1,721 |
| Total risk-based capital ratio | 21.0071% | 1,682 |
| Memoranda: | ||
| Average total assets | $147,509,400 | 3,747 |
| Average earning assets | $133,311,000 | 3,768 |
| Average equity | $14,285,400 | 4,007 |
| Average total loans | $83,296,800 | 3,842 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2969% | 3,006 |
| Cost of funding earning assets | 1.2970% | 124 |
| Net interest margin | 3.0000% | 5,596 |
| Noninterest income to average assets | 0.5692% | 3,340 |
| Noninterest expense to average assets | 3.7288% | 1,204 |
| Loan and lease loss provision to assets | -0.0133% | 6,472 |
| Net operating income to assets | -2.0931% | 6,810 |
| Return on assets (ROA) | -2.0931% | 6,811 |
| Pretax return on assets | -0.4431% | 6,573 |
| Return on Equity (ROE) | -21.5393% | 6,781 |
| Retained earnings to average equity (ytd only) | -21.5393% | 6,768 |
| Net charge-offs to loans | 0.3978% | 1,612 |
| Credit loss provision to net charge-offs | -5.9524% | 5,591 |
| Earnings coverage of net charge-offs (x) | -2.0397% | 5,082 |
| Efficiency ratio | 113.9484% | 219 |
| Assets per employee ($millions) | 3.0496% | 5,772 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3093% | 1,171 |
| Loan loss allowance to noncurrent loans | 64.9913% | 4,614 |
| Noncurrent assets plus other real estate owned to assets | 3.0346% | 1,215 |
| Noncurrent loans to loans | 3.5533% | 1,066 |
| Net loans and leases to total assets | 56.1486% | 4,302 |
| Net loans and leases to deposits | 80.8547% | 2,282 |
| Net loans and leases to core deposits | 82.0738% | 2,867 |
| Total domestic deposits to total assets | 69.4439% | 6,620 |
| Equity capital to assets | 9.1608% | 4,984 |
| Core capital (leverage) ratio | 9.1608% | 4,885 |
| Tier 1 risk-based capital ratio | 17.4684% | 2,517 |
| Total risk-based capital ratio | 18.7367% | 2,483 |
| Memoranda: | ||
| Average total assets | $150,144,000 | 3,739 |
| Average earning assets | $135,287,000 | 3,774 |
| Average equity | $14,590,000 | 3,990 |
| Average total loans | $84,469,000 | 3,849 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2931% | 2,983 |
| Cost of funding earning assets | 1.4097% | 78 |
| Net interest margin | 2.8834% | 5,823 |
| Noninterest income to average assets | 0.4549% | 4,128 |
| Noninterest expense to average assets | 3.8532% | 1,033 |
| Loan and lease loss provision to assets | -0.0521% | 6,651 |
| Net operating income to assets | -0.2346% | 6,509 |
| Return on assets (ROA) | -0.2346% | 6,542 |
| Pretax return on assets | -0.7600% | 6,699 |
| Return on Equity (ROE) | -2.3732% | 6,544 |
| Retained earnings to average equity (ytd only) | -2.3732% | 6,234 |
| Net charge-offs to loans | 0.3079% | 1,954 |
| Credit loss provision to net charge-offs | -30.3030% | 5,504 |
| Earnings coverage of net charge-offs (x) | -4.7197% | 4,825 |
| Efficiency ratio | 126.7038% | 150 |
| Assets per employee ($millions) | 3.1237% | 5,632 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3441% | 1,185 |
| Loan loss allowance to noncurrent loans | 70.5415% | 4,386 |
| Noncurrent assets plus other real estate owned to assets | 2.8002% | 1,480 |
| Noncurrent loans to loans | 3.3230% | 1,307 |
| Net loans and leases to total assets | 55.4478% | 4,382 |
| Net loans and leases to deposits | 80.4849% | 2,260 |
| Net loans and leases to core deposits | 82.4094% | 2,759 |
| Total domestic deposits to total assets | 68.8922% | 6,696 |
| Equity capital to assets | 10.2362% | 3,613 |
| Core capital (leverage) ratio | 8.8322% | 5,246 |
| Tier 1 risk-based capital ratio | 16.9876% | 2,723 |
| Total risk-based capital ratio | 18.2556% | 2,683 |
| Memoranda: | ||
| Average total assets | $153,431,000 | 3,715 |
| Average earning assets | $137,617,330 | 3,763 |
| Average equity | $15,169,670 | 3,912 |
| Average total loans | $85,749,000 | 3,829 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2546% | 3,077 |
| Cost of funding earning assets | 1.4609% | 71 |
| Net interest margin | 2.7937% | 6,043 |
| Noninterest income to average assets | 0.2526% | 5,653 |
| Noninterest expense to average assets | 3.1900% | 2,378 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.1659% | 5,991 |
| Return on assets (ROA) | 0.1659% | 6,095 |
| Pretax return on assets | -0.4338% | 6,656 |
| Return on Equity (ROE) | 1.7060% | 6,025 |
| Retained earnings to average equity (ytd only) | 1.7060% | 5,126 |
| Net charge-offs to loans | 0.3588% | 1,563 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | -2.1795% | 4,025 |
| Efficiency ratio | 115.7407% | 252 |
| Assets per employee ($millions) | 3.3188% | 5,397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4078% | 1,242 |
| Loan loss allowance to noncurrent loans | 94.8220% | 3,503 |
| Noncurrent assets plus other real estate owned to assets | 2.7887% | 1,626 |
| Noncurrent loans to loans | 2.5393% | 2,034 |
| Net loans and leases to total assets | 53.2929% | 4,517 |
| Net loans and leases to deposits | 78.9337% | 2,222 |
| Net loans and leases to core deposits | 80.9404% | 2,702 |
| Total domestic deposits to total assets | 67.5161% | 6,815 |
| Equity capital to assets | 9.7913% | 4,435 |
| Core capital (leverage) ratio | 8.7181% | 5,302 |
| Tier 1 risk-based capital ratio | 16.9931% | 2,753 |
| Total risk-based capital ratio | 18.2614% | 2,718 |
| Memoranda: | ||
| Average total assets | $156,740,500 | 3,697 |
| Average earning assets | $140,459,000 | 3,759 |
| Average equity | $15,240,500 | 3,947 |
| Average total loans | $86,944,500 | 3,813 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7463% | 2,410 |
| Cost of funding earning assets | 1.6333% | 96 |
| Net interest margin | 3.1129% | 5,786 |
| Noninterest income to average assets | 0.4160% | 4,486 |
| Noninterest expense to average assets | 3.2109% | 2,571 |
| Loan and lease loss provision to assets | 0.0668% | 4,916 |
| Net operating income to assets | 0.0839% | 6,035 |
| Return on assets (ROA) | 0.0839% | 6,178 |
| Pretax return on assets | -0.0956% | 6,362 |
| Return on Equity (ROE) | 0.9005% | 6,153 |
| Retained earnings to average equity (ytd only) | 0.9005% | 5,422 |
| Net charge-offs to loans | 1.2208% | 826 |
| Credit loss provision to net charge-offs | 8.9491% | 5,408 |
| Earnings coverage of net charge-offs (x) | -0.0386% | 5,503 |
| Efficiency ratio | 100.9049% | 527 |
| Assets per employee ($millions) | 3.3510% | 5,329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5274% | 1,102 |
| Loan loss allowance to noncurrent loans | 58.9070% | 4,705 |
| Noncurrent assets plus other real estate owned to assets | 4.8039% | 826 |
| Noncurrent loans to loans | 4.2904% | 1,030 |
| Net loans and leases to total assets | 54.9011% | 4,470 |
| Net loans and leases to deposits | 80.7650% | 2,183 |
| Net loans and leases to core deposits | 83.4615% | 2,612 |
| Total domestic deposits to total assets | 67.9763% | 6,861 |
| Equity capital to assets | 9.6561% | 4,642 |
| Core capital (leverage) ratio | 8.5694% | 5,508 |
| Tier 1 risk-based capital ratio | 16.1637% | 3,069 |
| Total risk-based capital ratio | 17.4315% | 3,013 |
| Memoranda: | ||
| Average total assets | $163,225,600 | 3,565 |
| Average earning assets | $145,040,200 | 3,640 |
| Average equity | $15,214,000 | 3,914 |
| Average total loans | $99,768,600 | 3,529 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8543% | 2,178 |
| Cost of funding earning assets | 1.6579% | 100 |
| Net interest margin | 3.1964% | 5,714 |
| Noninterest income to average assets | 0.3352% | 5,121 |
| Noninterest expense to average assets | 3.2398% | 2,451 |
| Loan and lease loss provision to assets | 0.0081% | 5,706 |
| Net operating income to assets | 0.1482% | 6,036 |
| Return on assets (ROA) | 0.1482% | 6,192 |
| Pretax return on assets | -0.0745% | 6,464 |
| Return on Equity (ROE) | 1.6036% | 6,127 |
| Retained earnings to average equity (ytd only) | 1.6036% | 5,532 |
| Net charge-offs to loans | 1.2054% | 808 |
| Credit loss provision to net charge-offs | 1.0787% | 5,151 |
| Earnings coverage of net charge-offs (x) | -0.0885% | 5,370 |
| Efficiency ratio | 102.0924% | 476 |
| Assets per employee ($millions) | 3.4524% | 5,083 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5954% | 1,083 |
| Loan loss allowance to noncurrent loans | 55.2554% | 4,886 |
| Noncurrent assets plus other real estate owned to assets | 5.0331% | 885 |
| Noncurrent loans to loans | 4.6970% | 991 |
| Net loans and leases to total assets | 57.5209% | 4,201 |
| Net loans and leases to deposits | 84.6333% | 1,787 |
| Net loans and leases to core deposits | 87.6460% | 2,253 |
| Total domestic deposits to total assets | 67.9649% | 6,926 |
| Equity capital to assets | 9.6052% | 5,053 |
| Core capital (leverage) ratio | 9.6052% | 4,108 |
| Tier 1 risk-based capital ratio | 17.4075% | 2,573 |
| Total risk-based capital ratio | 18.6765% | 2,538 |
| Memoranda: | ||
| Average total assets | $164,658,000 | 3,572 |
| Average earning assets | $146,204,000 | 3,656 |
| Average equity | $15,215,500 | 3,952 |
| Average total loans | $102,533,500 | 3,497 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9295% | 1,992 |
| Cost of funding earning assets | 1.6770% | 112 |
| Net interest margin | 3.2526% | 5,585 |
| Noninterest income to average assets | 0.5078% | 3,876 |
| Noninterest expense to average assets | 3.1991% | 2,593 |
| Loan and lease loss provision to assets | 0.1501% | 3,648 |
| Net operating income to assets | 0.3109% | 5,581 |
| Return on assets (ROA) | 0.3109% | 5,788 |
| Pretax return on assets | 0.0480% | 6,392 |
| Return on Equity (ROE) | 3.4073% | 5,522 |
| Retained earnings to average equity (ytd only) | 3.4073% | 4,330 |
| Net charge-offs to loans | 1.6690% | 554 |
| Credit loss provision to net charge-offs | 14.2045% | 4,689 |
| Earnings coverage of net charge-offs (x) | 0.1875% | 4,979 |
| Efficiency ratio | 94.1696% | 796 |
| Assets per employee ($millions) | 3.4591% | 5,074 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6139% | 1,134 |
| Loan loss allowance to noncurrent loans | 50.6142% | 5,089 |
| Noncurrent assets plus other real estate owned to assets | 6.2136% | 677 |
| Noncurrent loans to loans | 5.1644% | 934 |
| Net loans and leases to total assets | 59.4908% | 3,914 |
| Net loans and leases to deposits | 86.5456% | 1,526 |
| Net loans and leases to core deposits | 90.5092% | 1,934 |
| Total domestic deposits to total assets | 68.7393% | 6,966 |
| Equity capital to assets | 9.4293% | 5,160 |
| Core capital (leverage) ratio | 9.4293% | 4,255 |
| Tier 1 risk-based capital ratio | 16.8131% | 2,753 |
| Total risk-based capital ratio | 18.0831% | 2,706 |
| Memoranda: | ||
| Average total assets | $166,607,330 | 3,558 |
| Average earning assets | $148,006,670 | 3,643 |
| Average equity | $15,202,670 | 3,945 |
| Average total loans | $105,450,330 | 3,448 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9666% | 2,013 |
| Cost of funding earning assets | 1.7043% | 122 |
| Net interest margin | 3.2623% | 5,602 |
| Noninterest income to average assets | 0.7235% | 2,541 |
| Noninterest expense to average assets | 3.3234% | 2,222 |
| Loan and lease loss provision to assets | 0.0593% | 4,668 |
| Net operating income to assets | 0.3250% | 5,574 |
| Return on assets (ROA) | 0.3250% | 5,740 |
| Pretax return on assets | 0.2514% | 6,080 |
| Return on Equity (ROE) | 3.6198% | 5,453 |
| Retained earnings to average equity (ytd only) | 3.6198% | 4,408 |
| Net charge-offs to loans | 2.1416% | 421 |
| Credit loss provision to net charge-offs | 4.3029% | 3,964 |
| Earnings coverage of net charge-offs (x) | 0.2255% | 4,254 |
| Efficiency ratio | 91.4491% | 981 |
| Assets per employee ($millions) | 3.5929% | 4,906 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6460% | 1,179 |
| Loan loss allowance to noncurrent loans | 42.0048% | 5,502 |
| Noncurrent assets plus other real estate owned to assets | 6.8973% | 631 |
| Noncurrent loans to loans | 6.2992% | 766 |
| Net loans and leases to total assets | 60.8999% | 3,469 |
| Net loans and leases to deposits | 87.2048% | 1,260 |
| Net loans and leases to core deposits | 91.9189% | 1,657 |
| Total domestic deposits to total assets | 69.8355% | 6,989 |
| Equity capital to assets | 9.0061% | 5,483 |
| Core capital (leverage) ratio | 9.0061% | 4,833 |
| Tier 1 risk-based capital ratio | 15.9632% | 3,195 |
| Total risk-based capital ratio | 17.2344% | 3,152 |
| Memoranda: | ||
| Average total assets | $168,622,000 | 3,540 |
| Average earning assets | $150,444,000 | 3,610 |
| Average equity | $15,139,000 | 3,962 |
| Average total loans | $108,518,000 | 3,391 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4412% | 1,321 |
| Cost of funding earning assets | 1.9064% | 145 |
| Net interest margin | 3.5348% | 5,001 |
| Noninterest income to average assets | 0.8498% | 1,846 |
| Noninterest expense to average assets | 2.9251% | 3,864 |
| Loan and lease loss provision to assets | 1.8789% | 341 |
| Net operating income to assets | -0.3918% | 6,412 |
| Return on assets (ROA) | -0.3918% | 6,463 |
| Pretax return on assets | -0.8252% | 6,658 |
| Return on Equity (ROE) | -4.4904% | 6,504 |
| Retained earnings to average equity (ytd only) | -4.4904% | 6,412 |
| Net charge-offs to loans | 0.0958% | 5,392 |
| Credit loss provision to net charge-offs | 2,860.8696% | 78 |
| Earnings coverage of net charge-offs (x) | 16.0435% | 1,357 |
| Efficiency ratio | 73.5180% | 3,303 |
| Assets per employee ($millions) | 3.5826% | 4,825 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0080% | 809 |
| Loan loss allowance to noncurrent loans | 44.1560% | 5,358 |
| Noncurrent assets plus other real estate owned to assets | 7.3156% | 612 |
| Noncurrent loans to loans | 6.8122% | 662 |
| Net loans and leases to total assets | 64.1715% | 3,149 |
| Net loans and leases to deposits | 91.7327% | 991 |
| Net loans and leases to core deposits | 97.0582% | 1,407 |
| Total domestic deposits to total assets | 69.9549% | 6,993 |
| Equity capital to assets | 8.9500% | 5,606 |
| Core capital (leverage) ratio | 8.9500% | 4,863 |
| Tier 1 risk-based capital ratio | 14.7871% | 3,769 |
| Total risk-based capital ratio | 16.0617% | 3,731 |
| Memoranda: | ||
| Average total assets | $175,104,600 | 3,412 |
| Average earning assets | $155,003,600 | 3,490 |
| Average equity | $15,277,200 | 3,852 |
| Average total loans | $120,028,800 | 3,170 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5067% | 1,236 |
| Cost of funding earning assets | 1.9402% | 151 |
| Net interest margin | 3.5664% | 4,915 |
| Noninterest income to average assets | 0.7519% | 2,302 |
| Noninterest expense to average assets | 2.8486% | 4,147 |
| Loan and lease loss provision to assets | 2.5695% | 170 |
| Net operating income to assets | -0.7911% | 6,793 |
| Return on assets (ROA) | -0.7911% | 6,828 |
| Pretax return on assets | -1.5137% | 7,020 |
| Return on Equity (ROE) | -9.1241% | 6,867 |
| Retained earnings to average equity (ytd only) | -9.1241% | 6,823 |
| Net charge-offs to loans | 0.6907% | 2,188 |
| Credit loss provision to net charge-offs | 538.2306% | 513 |
| Earnings coverage of net charge-offs (x) | 2.2117% | 4,021 |
| Efficiency ratio | 72.9573% | 3,369 |
| Assets per employee ($millions) | 3.6725% | 4,590 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4882% | 1,411 |
| Loan loss allowance to noncurrent loans | 36.0203% | 5,895 |
| Noncurrent assets plus other real estate owned to assets | 8.0106% | 551 |
| Noncurrent loans to loans | 6.9079% | 723 |
| Net loans and leases to total assets | 64.5244% | 3,198 |
| Net loans and leases to deposits | 91.2416% | 1,079 |
| Net loans and leases to core deposits | 96.2719% | 1,579 |
| Total domestic deposits to total assets | 70.7182% | 6,999 |
| Equity capital to assets | 8.5204% | 6,277 |
| Core capital (leverage) ratio | 8.5204% | 5,682 |
| Tier 1 risk-based capital ratio | 13.9491% | 4,393 |
| Total risk-based capital ratio | 15.2172% | 4,346 |
| Memoranda: | ||
| Average total assets | $176,785,750 | 3,397 |
| Average earning assets | $156,267,750 | 3,497 |
| Average equity | $15,329,000 | 3,856 |
| Average total loans | $122,185,250 | 3,160 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6202% | 1,036 |
| Cost of funding earning assets | 1.9673% | 159 |
| Net interest margin | 3.6529% | 4,507 |
| Noninterest income to average assets | 0.5163% | 3,736 |
| Noninterest expense to average assets | 2.7804% | 4,505 |
| Loan and lease loss provision to assets | 1.9172% | 337 |
| Net operating income to assets | -0.4277% | 6,639 |
| Return on assets (ROA) | -0.4277% | 6,664 |
| Pretax return on assets | -0.9507% | 6,884 |
| Return on Equity (ROE) | -4.9046% | 6,710 |
| Retained earnings to average equity (ytd only) | -4.9046% | 6,561 |
| Net charge-offs to loans | 0.6232% | 2,277 |
| Credit loss provision to net charge-offs | 439.0746% | 690 |
| Earnings coverage of net charge-offs (x) | 2.2134% | 3,729 |
| Efficiency ratio | 74.2061% | 3,323 |
| Assets per employee ($millions) | 3.7046% | 4,433 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1608% | 1,997 |
| Loan loss allowance to noncurrent loans | 72.3151% | 3,844 |
| Noncurrent assets plus other real estate owned to assets | 6.1970% | 889 |
| Noncurrent loans to loans | 2.9880% | 2,431 |
| Net loans and leases to total assets | 66.3655% | 2,954 |
| Net loans and leases to deposits | 93.7839% | 885 |
| Net loans and leases to core deposits | 99.1633% | 1,420 |
| Total domestic deposits to total assets | 70.7643% | 7,069 |
| Equity capital to assets | 8.8303% | 5,782 |
| Core capital (leverage) ratio | 8.8303% | 5,001 |
| Tier 1 risk-based capital ratio | 14.2086% | 4,009 |
| Total risk-based capital ratio | 15.4719% | 3,972 |
| Memoranda: | ||
| Average total assets | $178,178,000 | 3,390 |
| Average earning assets | $157,573,670 | 3,494 |
| Average equity | $15,536,330 | 3,811 |
| Average total loans | $124,841,330 | 3,127 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6277% | 1,010 |
| Cost of funding earning assets | 1.9748% | 181 |
| Net interest margin | 3.6529% | 4,314 |
| Noninterest income to average assets | 0.6459% | 2,871 |
| Noninterest expense to average assets | 2.6924% | 4,865 |
| Loan and lease loss provision to assets | 2.0998% | 254 |
| Net operating income to assets | -0.6171% | 6,877 |
| Return on assets (ROA) | -0.6171% | 6,881 |
| Pretax return on assets | -0.8945% | 6,960 |
| Return on Equity (ROE) | -7.1204% | 6,921 |
| Retained earnings to average equity (ytd only) | -7.1204% | 6,687 |
| Net charge-offs to loans | 1.8251% | 710 |
| Credit loss provision to net charge-offs | 161.7094% | 1,787 |
| Earnings coverage of net charge-offs (x) | 0.9282% | 3,958 |
| Efficiency ratio | 69.0774% | 4,456 |
| Assets per employee ($millions) | 3.8991% | 4,078 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9053% | 2,676 |
| Loan loss allowance to noncurrent loans | 32.7805% | 6,115 |
| Noncurrent assets plus other real estate owned to assets | 7.7538% | 627 |
| Noncurrent loans to loans | 5.8124% | 1,109 |
| Net loans and leases to total assets | 68.0873% | 2,534 |
| Net loans and leases to deposits | 95.1483% | 739 |
| Net loans and leases to core deposits | 100.5575% | 1,293 |
| Total domestic deposits to total assets | 71.5591% | 7,105 |
| Equity capital to assets | 8.6297% | 5,740 |
| Core capital (leverage) ratio | 8.6297% | 5,207 |
| Tier 1 risk-based capital ratio | 13.7170% | 4,264 |
| Total risk-based capital ratio | 14.9772% | 4,225 |
| Memoranda: | ||
| Average total assets | $180,209,000 | 3,385 |
| Average earning assets | $160,420,000 | 3,453 |
| Average equity | $15,617,000 | 3,793 |
| Average total loans | $128,209,500 | 3,100 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1101% | 686 |
| Cost of funding earning assets | 2.2637% | 241 |
| Net interest margin | 3.8465% | 3,749 |
| Noninterest income to average assets | 0.6858% | 2,929 |
| Noninterest expense to average assets | 2.5712% | 5,539 |
| Loan and lease loss provision to assets | 3.1139% | 293 |
| Net operating income to assets | -0.8331% | 6,595 |
| Return on assets (ROA) | -0.8358% | 6,625 |
| Pretax return on assets | -1.5232% | 6,865 |
| Return on Equity (ROE) | -9.5863% | 6,712 |
| Retained earnings to average equity (ytd only) | -9.5863% | 6,643 |
| Net charge-offs to loans | 2.6553% | 687 |
| Credit loss provision to net charge-offs | 153.8239% | 2,311 |
| Earnings coverage of net charge-offs (x) | 0.7879% | 5,341 |
| Efficiency ratio | 61.7163% | 5,775 |
| Assets per employee ($millions) | 3.9361% | 3,924 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8313% | 2,755 |
| Loan loss allowance to noncurrent loans | 40.0863% | 5,634 |
| Noncurrent assets plus other real estate owned to assets | 6.1830% | 941 |
| Noncurrent loans to loans | 4.5684% | 1,542 |
| Net loans and leases to total assets | 71.5293% | 2,195 |
| Net loans and leases to deposits | 99.7820% | 594 |
| Net loans and leases to core deposits | 108.9683% | 987 |
| Total domestic deposits to total assets | 71.6856% | 7,108 |
| Equity capital to assets | 8.7021% | 5,582 |
| Core capital (leverage) ratio | 8.7021% | 5,016 |
| Tier 1 risk-based capital ratio | 13.5363% | 4,171 |
| Total risk-based capital ratio | 14.7958% | 4,132 |
| Memoranda: | ||
| Average total assets | $187,963,800 | 3,256 |
| Average earning assets | $170,078,400 | 3,278 |
| Average equity | $16,388,000 | 3,691 |
| Average total loans | $143,298,600 | 2,880 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2158% | 600 |
| Cost of funding earning assets | 2.3235% | 250 |
| Net interest margin | 3.8922% | 3,563 |
| Noninterest income to average assets | 0.6242% | 3,284 |
| Noninterest expense to average assets | 2.5304% | 5,602 |
| Loan and lease loss provision to assets | 3.4006% | 224 |
| Net operating income to assets | -0.9601% | 6,881 |
| Return on assets (ROA) | -0.9637% | 6,923 |
| Pretax return on assets | -1.7825% | 7,129 |
| Return on Equity (ROE) | -11.0477% | 6,971 |
| Retained earnings to average equity (ytd only) | -11.0477% | 6,928 |
| Net charge-offs to loans | 2.8146% | 577 |
| Credit loss provision to net charge-offs | 156.8233% | 2,441 |
| Earnings coverage of net charge-offs (x) | 0.7488% | 5,315 |
| Efficiency ratio | 60.9137% | 5,810 |
| Assets per employee ($millions) | 3.9107% | 4,014 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5735% | 3,645 |
| Loan loss allowance to noncurrent loans | 29.7774% | 6,344 |
| Noncurrent assets plus other real estate owned to assets | 6.6043% | 854 |
| Noncurrent loans to loans | 5.2841% | 1,282 |
| Net loans and leases to total assets | 74.1917% | 1,759 |
| Net loans and leases to deposits | 103.1325% | 476 |
| Net loans and leases to core deposits | 112.6617% | 899 |
| Total domestic deposits to total assets | 71.9382% | 7,138 |
| Equity capital to assets | 8.6809% | 6,046 |
| Core capital (leverage) ratio | 8.6809% | 5,219 |
| Tier 1 risk-based capital ratio | 13.3385% | 4,323 |
| Total risk-based capital ratio | 14.5957% | 4,277 |
| Memoranda: | ||
| Average total assets | $189,689,750 | 3,277 |
| Average earning assets | $172,031,250 | 3,285 |
| Average equity | $16,546,000 | 3,716 |
| Average total loans | $146,141,500 | 2,870 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2859% | 525 |
| Cost of funding earning assets | 2.4206% | 224 |
| Net interest margin | 3.8653% | 3,609 |
| Noninterest income to average assets | 0.4967% | 4,141 |
| Noninterest expense to average assets | 2.4482% | 5,916 |
| Loan and lease loss provision to assets | 3.9196% | 201 |
| Net operating income to assets | -1.2615% | 7,055 |
| Return on assets (ROA) | -1.2669% | 7,071 |
| Pretax return on assets | -2.3699% | 7,339 |
| Return on Equity (ROE) | -14.5019% | 7,129 |
| Retained earnings to average equity (ytd only) | -14.5019% | 7,088 |
| Net charge-offs to loans | 3.4694% | 428 |
| Credit loss provision to net charge-offs | 145.6378% | 2,721 |
| Earnings coverage of net charge-offs (x) | 0.5789% | 5,158 |
| Efficiency ratio | 61.1097% | 5,830 |
| Assets per employee ($millions) | 3.8026% | 4,219 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3533% | 4,667 |
| Loan loss allowance to noncurrent loans | 31.0235% | 6,294 |
| Noncurrent assets plus other real estate owned to assets | 6.0654% | 965 |
| Noncurrent loans to loans | 4.3621% | 1,690 |
| Net loans and leases to total assets | 77.9560% | 1,123 |
| Net loans and leases to deposits | 108.7412% | 303 |
| Net loans and leases to core deposits | 119.7203% | 705 |
| Total domestic deposits to total assets | 71.6895% | 7,208 |
| Equity capital to assets | 8.8278% | 5,713 |
| Core capital (leverage) ratio | 8.8278% | 4,866 |
| Tier 1 risk-based capital ratio | 13.1191% | 4,350 |
| Total risk-based capital ratio | 14.3689% | 4,303 |
| Memoranda: | ||
| Average total assets | $191,651,330 | 3,283 |
| Average earning assets | $174,008,670 | 3,269 |
| Average equity | $16,742,670 | 3,675 |
| Average total loans | $148,672,670 | 2,860 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2651% | 564 |
| Cost of funding earning assets | 2.5791% | 177 |
| Net interest margin | 3.6860% | 4,324 |
| Noninterest income to average assets | 0.4342% | 4,619 |
| Noninterest expense to average assets | 2.3586% | 6,213 |
| Loan and lease loss provision to assets | 3.4738% | 268 |
| Net operating income to assets | -1.0988% | 7,167 |
| Return on assets (ROA) | -1.0988% | 7,181 |
| Pretax return on assets | -2.0447% | 7,423 |
| Return on Equity (ROE) | -12.6396% | 7,244 |
| Retained earnings to average equity (ytd only) | -12.6396% | 7,107 |
| Net charge-offs to loans | 3.3773% | 430 |
| Credit loss provision to net charge-offs | 133.7520% | 2,642 |
| Earnings coverage of net charge-offs (x) | 0.5502% | 4,541 |
| Efficiency ratio | 62.2713% | 5,780 |
| Assets per employee ($millions) | 4.0734% | 3,700 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0332% | 6,312 |
| Loan loss allowance to noncurrent loans | 28.6593% | 6,488 |
| Noncurrent assets plus other real estate owned to assets | 5.5012% | 1,127 |
| Noncurrent loans to loans | 3.6050% | 2,209 |
| Net loans and leases to total assets | 76.9030% | 1,346 |
| Net loans and leases to deposits | 110.3475% | 282 |
| Net loans and leases to core deposits | 120.7744% | 757 |
| Total domestic deposits to total assets | 69.6917% | 7,428 |
| Equity capital to assets | 8.7689% | 5,613 |
| Core capital (leverage) ratio | 8.7689% | 4,902 |
| Tier 1 risk-based capital ratio | 13.2652% | 4,154 |
| Total risk-based capital ratio | 14.4796% | 4,138 |
| Memoranda: | ||
| Average total assets | $196,214,000 | 3,273 |
| Average earning assets | $178,514,000 | 3,272 |
| Average equity | $17,057,500 | 3,641 |
| Average total loans | $150,888,000 | 2,879 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3474% | 939 |
| Cost of funding earning assets | 2.8535% | 374 |
| Net interest margin | 3.4939% | 4,980 |
| Noninterest income to average assets | 0.5915% | 3,690 |
| Noninterest expense to average assets | 2.4177% | 6,412 |
| Loan and lease loss provision to assets | 0.9777% | 2,310 |
| Net operating income to assets | 0.2958% | 4,549 |
| Return on assets (ROA) | 0.2965% | 4,624 |
| Pretax return on assets | 0.4425% | 4,370 |
| Return on Equity (ROE) | 3.5244% | 4,279 |
| Retained earnings to average equity (ytd only) | 3.5244% | 2,709 |
| Net charge-offs to loans | 0.3434% | 4,512 |
| Credit loss provision to net charge-offs | 359.7096% | 888 |
| Earnings coverage of net charge-offs (x) | 5.2214% | 2,656 |
| Efficiency ratio | 63.0111% | 5,966 |
| Assets per employee ($millions) | 4.1871% | 3,463 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2784% | 4,881 |
| Loan loss allowance to noncurrent loans | 27.9548% | 6,610 |
| Noncurrent assets plus other real estate owned to assets | 6.5201% | 837 |
| Noncurrent loans to loans | 4.5729% | 1,544 |
| Net loans and leases to total assets | 75.1586% | 1,992 |
| Net loans and leases to deposits | 113.7653% | 265 |
| Net loans and leases to core deposits | 148.7225% | 541 |
| Total domestic deposits to total assets | 66.0646% | 7,638 |
| Equity capital to assets | 8.6213% | 5,703 |
| Core capital (leverage) ratio | 8.6213% | 5,064 |
| Tier 1 risk-based capital ratio | 13.4910% | 3,824 |
| Total risk-based capital ratio | 14.7406% | 3,772 |
| Memoranda: | ||
| Average total assets | $202,714,200 | 3,154 |
| Average earning assets | $188,297,800 | 3,109 |
| Average equity | $17,052,400 | 3,662 |
| Average total loans | $160,435,600 | 2,757 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3905% | 942 |
| Cost of funding earning assets | 2.9030% | 450 |
| Net interest margin | 3.4875% | 4,909 |
| Noninterest income to average assets | 0.6524% | 3,333 |
| Noninterest expense to average assets | 2.4034% | 6,408 |
| Loan and lease loss provision to assets | 0.8985% | 2,139 |
| Net operating income to assets | 0.4001% | 4,401 |
| Return on assets (ROA) | 0.4010% | 4,499 |
| Pretax return on assets | 0.6058% | 4,166 |
| Return on Equity (ROE) | 4.7966% | 4,049 |
| Retained earnings to average equity (ytd only) | 4.7966% | 2,608 |
| Net charge-offs to loans | 0.1618% | 5,095 |
| Credit loss provision to net charge-offs | 694.9239% | 537 |
| Earnings coverage of net charge-offs (x) | 11.6244% | 1,838 |
| Efficiency ratio | 61.5255% | 6,190 |
| Assets per employee ($millions) | 4.2216% | 3,341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2024% | 5,092 |
| Loan loss allowance to noncurrent loans | 22.1162% | 6,972 |
| Noncurrent assets plus other real estate owned to assets | 6.3374% | 811 |
| Noncurrent loans to loans | 5.4368% | 1,151 |
| Net loans and leases to total assets | 77.0418% | 1,778 |
| Net loans and leases to deposits | 116.3473% | 265 |
| Net loans and leases to core deposits | 157.2419% | 433 |
| Total domestic deposits to total assets | 66.2171% | 7,672 |
| Equity capital to assets | 8.5557% | 6,176 |
| Core capital (leverage) ratio | 8.5557% | 5,386 |
| Tier 1 risk-based capital ratio | 13.4249% | 3,908 |
| Total risk-based capital ratio | 14.6747% | 3,842 |
| Memoranda: | ||
| Average total assets | $203,148,000 | 3,169 |
| Average earning assets | $189,546,750 | 3,122 |
| Average equity | $16,983,750 | 3,704 |
| Average total loans | $162,292,250 | 2,754 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5038% | 819 |
| Cost of funding earning assets | 2.9601% | 520 |
| Net interest margin | 3.5437% | 4,600 |
| Noninterest income to average assets | 0.5961% | 3,728 |
| Noninterest expense to average assets | 2.3854% | 6,510 |
| Loan and lease loss provision to assets | 1.0683% | 1,599 |
| Net operating income to assets | 0.3102% | 4,849 |
| Return on assets (ROA) | 0.3089% | 4,967 |
| Pretax return on assets | 0.4554% | 4,766 |
| Return on Equity (ROE) | 3.7235% | 4,607 |
| Retained earnings to average equity (ytd only) | 3.7235% | 3,224 |
| Net charge-offs to loans | 0.2211% | 4,119 |
| Credit loss provision to net charge-offs | 600.0000% | 765 |
| Earnings coverage of net charge-offs (x) | 8.5691% | 2,240 |
| Efficiency ratio | 60.9909% | 6,401 |
| Assets per employee ($millions) | 4.3793% | 2,967 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0914% | 5,661 |
| Loan loss allowance to noncurrent loans | 35.1098% | 6,103 |
| Noncurrent assets plus other real estate owned to assets | 4.0269% | 1,463 |
| Noncurrent loans to loans | 3.1086% | 2,304 |
| Net loans and leases to total assets | 79.1315% | 1,492 |
| Net loans and leases to deposits | 119.3924% | 249 |
| Net loans and leases to core deposits | 159.9470% | 451 |
| Total domestic deposits to total assets | 66.2785% | 7,722 |
| Equity capital to assets | 8.4588% | 6,110 |
| Core capital (leverage) ratio | 8.4588% | 5,514 |
| Tier 1 risk-based capital ratio | 12.8234% | 4,269 |
| Total risk-based capital ratio | 14.0734% | 4,186 |
| Memoranda: | ||
| Average total assets | $203,318,000 | 3,187 |
| Average earning assets | $190,197,670 | 3,137 |
| Average equity | $16,866,000 | 3,741 |
| Average total loans | $163,717,670 | 2,758 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5440% | 793 |
| Cost of funding earning assets | 2.9683% | 651 |
| Net interest margin | 3.5757% | 4,428 |
| Noninterest income to average assets | 0.5268% | 4,084 |
| Noninterest expense to average assets | 2.3383% | 6,407 |
| Loan and lease loss provision to assets | 1.2592% | 1,014 |
| Net operating income to assets | 0.2105% | 5,628 |
| Return on assets (ROA) | 0.2076% | 5,800 |
| Pretax return on assets | 0.2800% | 5,730 |
| Return on Equity (ROE) | 2.5270% | 5,562 |
| Retained earnings to average equity (ytd only) | 2.5270% | 4,470 |
| Net charge-offs to loans | 0.3564% | 2,661 |
| Credit loss provision to net charge-offs | 437.4150% | 1,207 |
| Earnings coverage of net charge-offs (x) | 5.3605% | 2,687 |
| Efficiency ratio | 60.2422% | 6,368 |
| Assets per employee ($millions) | 4.2639% | 3,138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9122% | 6,686 |
| Loan loss allowance to noncurrent loans | 40.4313% | 5,846 |
| Noncurrent assets plus other real estate owned to assets | 3.0352% | 1,859 |
| Noncurrent loans to loans | 2.2561% | 2,922 |
| Net loans and leases to total assets | 79.6152% | 1,455 |
| Net loans and leases to deposits | 121.8634% | 253 |
| Net loans and leases to core deposits | 163.0716% | 450 |
| Total domestic deposits to total assets | 65.3315% | 7,772 |
| Equity capital to assets | 8.2241% | 6,503 |
| Core capital (leverage) ratio | 8.2241% | 6,051 |
| Tier 1 risk-based capital ratio | 12.5046% | 4,551 |
| Total risk-based capital ratio | 13.6189% | 4,567 |
| Memoranda: | ||
| Average total assets | $204,253,500 | 3,194 |
| Average earning assets | $191,626,500 | 3,133 |
| Average equity | $16,779,000 | 3,777 |
| Average total loans | $164,993,000 | 2,770 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8507% | 1,531 |
| Cost of funding earning assets | 3.4375% | 628 |
| Net interest margin | 3.4132% | 5,603 |
| Noninterest income to average assets | 0.6455% | 3,504 |
| Noninterest expense to average assets | 2.1709% | 7,052 |
| Loan and lease loss provision to assets | 0.2677% | 4,258 |
| Net operating income to assets | 0.9198% | 2,917 |
| Return on assets (ROA) | 0.9227% | 2,755 |
| Pretax return on assets | 1.4386% | 1,853 |
| Return on Equity (ROE) | 11.1427% | 1,860 |
| Retained earnings to average equity (ytd only) | 5.1229% | 1,949 |
| Net charge-offs to loans | 0.1679% | 4,517 |
| Credit loss provision to net charge-offs | 201.8797% | 2,405 |
| Earnings coverage of net charge-offs (x) | 12.8346% | 2,201 |
| Efficiency ratio | 56.0561% | 6,999 |
| Assets per employee ($millions) | 4.2467% | 3,039 |
| Cash dividends to net income (ytd only)* | 54.0249% | 2,934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6156% | 7,653 |
| Loan loss allowance to noncurrent loans | 18.7282% | 7,286 |
| Noncurrent assets plus other real estate owned to assets | 3.2619% | 1,393 |
| Noncurrent loans to loans | 3.2868% | 1,585 |
| Net loans and leases to total assets | 80.7109% | 1,500 |
| Net loans and leases to deposits | 130.6957% | 204 |
| Net loans and leases to core deposits | 171.5798% | 377 |
| Total domestic deposits to total assets | 61.7548% | 7,897 |
| Equity capital to assets | 8.2055% | 6,541 |
| Core capital (leverage) ratio | 8.2055% | 6,154 |
| Tier 1 risk-based capital ratio | 12.4392% | 4,484 |
| Total risk-based capital ratio | 13.1970% | 4,746 |
| Memoranda: | ||
| Average total assets | $200,608,000 | 3,132 |
| Average earning assets | $189,673,200 | 3,046 |
| Average equity | $16,611,800 | 3,805 |
| Average total loans | $158,429,800 | 2,792 |