Home > First Federal Savings and Loan Association of Kewanee > Performance and Condition Ratios
First Federal Savings and Loan Association of Kewanee, Performance and Condition Ratios
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1655% | 5,552 |
| Cost of funding earning assets | 0.3085% | 4,160 |
| Net interest margin | 2.8570% | 5,405 |
| Noninterest income to average assets | 0.0855% | 5,911 |
| Noninterest expense to average assets | 3.1520% | 2,084 |
| Loan and lease loss provision to assets | 0.0904% | 2,497 |
| Net operating income to assets | -0.5261% | 6,050 |
| Return on assets (ROA) | -0.3405% | 6,005 |
| Pretax return on assets | -0.3405% | 5,995 |
| Return on Equity (ROE) | -3.0571% | 6,012 |
| Retained earnings to average equity (ytd only) | -3.0571% | 5,828 |
| Net charge-offs to loans | 0.3055% | 984 |
| Credit loss provision to net charge-offs | 76.7123% | 3,011 |
| Earnings coverage of net charge-offs (x) | -3.6986% | 4,387 |
| Efficiency ratio | 116.0428% | 105 |
| Assets per employee ($millions) | 4.5452% | 2,971 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9691% | 843 |
| Loan loss allowance to noncurrent loans | 52.1637% | 4,825 |
| Noncurrent assets plus other real estate owned to assets | 1.8989% | 962 |
| Noncurrent loans to loans | 3.7748% | 340 |
| Net loans and leases to total assets | 37.5785% | 5,640 |
| Net loans and leases to deposits | 42.5503% | 5,692 |
| Net loans and leases to core deposits | 42.7551% | 5,747 |
| Total domestic deposits to total assets | 88.3155% | 1,466 |
| Equity capital to assets | 11.3274% | 2,517 |
| Core capital (leverage) ratio | 11.1394% | 2,274 |
| Tier 1 risk-based capital ratio | 30.4241% | 485 |
| Total risk-based capital ratio | 31.6833% | 478 |
| Memoranda: | ||
| Average total assets | $61,961,200 | 5,277 |
| Average earning assets | $57,052,000 | 5,264 |
| Average equity | $6,902,000 | 5,263 |
| Average total loans | $23,893,400 | 5,589 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1354% | 5,661 |
| Cost of funding earning assets | 0.3009% | 4,331 |
| Net interest margin | 2.8345% | 5,525 |
| Noninterest income to average assets | 0.0915% | 5,988 |
| Noninterest expense to average assets | 3.0333% | 2,420 |
| Loan and lease loss provision to assets | 0.0255% | 3,755 |
| Net operating income to assets | -0.3425% | 6,100 |
| Return on assets (ROA) | -0.3297% | 6,107 |
| Pretax return on assets | -0.3297% | 6,096 |
| Return on Equity (ROE) | -2.9717% | 6,100 |
| Retained earnings to average equity (ytd only) | -2.9717% | 5,930 |
| Net charge-offs to loans | 0.1653% | 1,497 |
| Credit loss provision to net charge-offs | 40.0000% | 3,161 |
| Earnings coverage of net charge-offs (x) | -4.9665% | 4,130 |
| Efficiency ratio | 111.6680% | 135 |
| Assets per employee ($millions) | 3.8167% | 4,233 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8731% | 1,134 |
| Loan loss allowance to noncurrent loans | 44.5000% | 5,102 |
| Noncurrent assets plus other real estate owned to assets | 2.0715% | 965 |
| Noncurrent loans to loans | 4.2091% | 288 |
| Net loans and leases to total assets | 38.1761% | 5,690 |
| Net loans and leases to deposits | 43.1618% | 5,754 |
| Net loans and leases to core deposits | 43.1618% | 5,818 |
| Total domestic deposits to total assets | 88.4488% | 1,314 |
| Equity capital to assets | 11.2156% | 2,785 |
| Core capital (leverage) ratio | 10.9468% | 2,547 |
| Tier 1 risk-based capital ratio | 29.5931% | 545 |
| Total risk-based capital ratio | 30.8515% | 537 |
| Memoranda: | ||
| Average total assets | $62,679,750 | 5,320 |
| Average earning assets | $58,046,000 | 5,307 |
| Average equity | $6,954,250 | 5,318 |
| Average total loans | $24,204,250 | 5,649 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1097% | 5,732 |
| Cost of funding earning assets | 0.2892% | 4,514 |
| Net interest margin | 2.8205% | 5,572 |
| Noninterest income to average assets | 0.1234% | 5,934 |
| Noninterest expense to average assets | 3.0023% | 2,543 |
| Loan and lease loss provision to assets | 0.0380% | 3,361 |
| Net operating income to assets | -0.2942% | 6,133 |
| Return on assets (ROA) | -0.2752% | 6,146 |
| Pretax return on assets | -0.2752% | 6,136 |
| Return on Equity (ROE) | -2.4895% | 6,139 |
| Retained earnings to average equity (ytd only) | -2.4895% | 5,870 |
| Net charge-offs to loans | 0.2464% | 1,054 |
| Credit loss provision to net charge-offs | 40.0000% | 2,810 |
| Earnings coverage of net charge-offs (x) | -2.7000% | 3,796 |
| Efficiency ratio | 109.3318% | 181 |
| Assets per employee ($millions) | 3.8976% | 4,081 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8738% | 1,218 |
| Loan loss allowance to noncurrent loans | 67.7321% | 4,542 |
| Noncurrent assets plus other real estate owned to assets | 1.6388% | 1,465 |
| Noncurrent loans to loans | 2.7665% | 760 |
| Net loans and leases to total assets | 37.3673% | 5,761 |
| Net loans and leases to deposits | 42.1446% | 5,829 |
| Net loans and leases to core deposits | 42.1446% | 5,891 |
| Total domestic deposits to total assets | 88.6646% | 1,319 |
| Equity capital to assets | 11.0997% | 2,779 |
| Core capital (leverage) ratio | 10.9182% | 2,507 |
| Tier 1 risk-based capital ratio | 30.0335% | 546 |
| Total risk-based capital ratio | 31.2935% | 535 |
| Memoranda: | ||
| Average total assets | $63,217,330 | 5,367 |
| Average earning assets | $58,784,330 | 5,335 |
| Average equity | $6,989,330 | 5,360 |
| Average total loans | $24,353,000 | 5,696 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1362% | 5,744 |
| Cost of funding earning assets | 0.2839% | 4,621 |
| Net interest margin | 2.8523% | 5,541 |
| Noninterest income to average assets | 0.2514% | 5,162 |
| Noninterest expense to average assets | 2.9916% | 2,614 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.0880% | 6,091 |
| Return on assets (ROA) | -0.0503% | 6,090 |
| Pretax return on assets | -0.0503% | 6,085 |
| Return on Equity (ROE) | -0.4556% | 6,093 |
| Retained earnings to average equity (ytd only) | -0.4556% | 5,464 |
| Net charge-offs to loans | 0.2920% | 820 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | -0.7778% | 3,160 |
| Efficiency ratio | 103.0303% | 287 |
| Assets per employee ($millions) | 4.0081% | 3,943 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8189% | 1,455 |
| Loan loss allowance to noncurrent loans | 97.5877% | 3,736 |
| Noncurrent assets plus other real estate owned to assets | 1.5437% | 1,674 |
| Noncurrent loans to loans | 1.8638% | 1,442 |
| Net loans and leases to total assets | 37.4567% | 5,750 |
| Net loans and leases to deposits | 42.2199% | 5,824 |
| Net loans and leases to core deposits | 42.2199% | 5,899 |
| Total domestic deposits to total assets | 88.7182% | 1,442 |
| Equity capital to assets | 10.9418% | 3,037 |
| Core capital (leverage) ratio | 10.9551% | 2,453 |
| Tier 1 risk-based capital ratio | 29.3497% | 576 |
| Total risk-based capital ratio | 30.6095% | 564 |
| Memoranda: | ||
| Average total assets | $63,645,000 | 5,407 |
| Average earning assets | $59,179,500 | 5,382 |
| Average equity | $7,023,000 | 5,399 |
| Average total loans | $24,655,500 | 5,727 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2749% | 5,739 |
| Cost of funding earning assets | 0.3061% | 4,732 |
| Net interest margin | 2.9689% | 5,509 |
| Noninterest income to average assets | 0.2327% | 5,468 |
| Noninterest expense to average assets | 3.1017% | 2,508 |
| Loan and lease loss provision to assets | 0.3194% | 626 |
| Net operating income to assets | -0.4250% | 6,279 |
| Return on assets (ROA) | -0.3316% | 6,244 |
| Pretax return on assets | -0.3347% | 6,230 |
| Return on Equity (ROE) | -3.0500% | 6,249 |
| Retained earnings to average equity (ytd only) | -3.0500% | 6,091 |
| Net charge-offs to loans | 0.7537% | 475 |
| Credit loss provision to net charge-offs | 106.0606% | 2,257 |
| Earnings coverage of net charge-offs (x) | -0.3636% | 4,752 |
| Efficiency ratio | 103.6604% | 298 |
| Assets per employee ($millions) | 4.5114% | 3,019 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8636% | 1,393 |
| Loan loss allowance to noncurrent loans | 103.1180% | 3,637 |
| Noncurrent assets plus other real estate owned to assets | 1.5389% | 1,769 |
| Noncurrent loans to loans | 1.8072% | 1,588 |
| Net loans and leases to total assets | 38.6035% | 5,814 |
| Net loans and leases to deposits | 43.5985% | 5,895 |
| Net loans and leases to core deposits | 43.5985% | 5,970 |
| Total domestic deposits to total assets | 88.5434% | 1,501 |
| Equity capital to assets | 11.1289% | 2,774 |
| Core capital (leverage) ratio | 10.9310% | 2,468 |
| Tier 1 risk-based capital ratio | 27.3936% | 650 |
| Total risk-based capital ratio | 28.6514% | 633 |
| Memoranda: | ||
| Average total assets | $65,738,600 | 5,404 |
| Average earning assets | $61,100,400 | 5,366 |
| Average equity | $7,147,600 | 5,382 |
| Average total loans | $26,268,800 | 5,731 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2904% | 5,787 |
| Cost of funding earning assets | 0.3087% | 4,797 |
| Net interest margin | 2.9816% | 5,540 |
| Noninterest income to average assets | 0.2852% | 5,160 |
| Noninterest expense to average assets | 3.1152% | 2,427 |
| Loan and lease loss provision to assets | 0.4218% | 389 |
| Net operating income to assets | -0.4736% | 6,362 |
| Return on assets (ROA) | -0.4358% | 6,349 |
| Pretax return on assets | -0.4399% | 6,338 |
| Return on Equity (ROE) | -4.0312% | 6,343 |
| Retained earnings to average equity (ytd only) | -4.0312% | 6,211 |
| Net charge-offs to loans | 0.9915% | 314 |
| Credit loss provision to net charge-offs | 106.0606% | 2,095 |
| Earnings coverage of net charge-offs (x) | -0.1414% | 4,471 |
| Efficiency ratio | 101.8385% | 331 |
| Assets per employee ($millions) | 4.5511% | 2,881 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8415% | 1,594 |
| Loan loss allowance to noncurrent loans | 90.2534% | 3,906 |
| Noncurrent assets plus other real estate owned to assets | 1.9038% | 1,538 |
| Noncurrent loans to loans | 2.0404% | 1,540 |
| Net loans and leases to total assets | 38.7334% | 5,901 |
| Net loans and leases to deposits | 43.7509% | 5,981 |
| Net loans and leases to core deposits | 43.7509% | 6,046 |
| Total domestic deposits to total assets | 88.5317% | 1,484 |
| Equity capital to assets | 11.0649% | 2,888 |
| Core capital (leverage) ratio | 10.8373% | 2,653 |
| Tier 1 risk-based capital ratio | 27.2290% | 692 |
| Total risk-based capital ratio | 28.4869% | 678 |
| Memoranda: | ||
| Average total assets | $66,383,250 | 5,442 |
| Average earning assets | $61,754,750 | 5,411 |
| Average equity | $7,177,250 | 5,427 |
| Average total loans | $26,624,750 | 5,779 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3162% | 5,768 |
| Cost of funding earning assets | 0.3131% | 4,846 |
| Net interest margin | 3.0031% | 5,511 |
| Noninterest income to average assets | 0.3389% | 4,718 |
| Noninterest expense to average assets | 3.1276% | 2,402 |
| Loan and lease loss provision to assets | 0.5946% | 237 |
| Net operating income to assets | -0.5886% | 6,455 |
| Return on assets (ROA) | -0.5322% | 6,445 |
| Pretax return on assets | -0.5322% | 6,430 |
| Return on Equity (ROE) | -4.9587% | 6,434 |
| Retained earnings to average equity (ytd only) | -4.9587% | 6,234 |
| Net charge-offs to loans | 1.4086% | 204 |
| Credit loss provision to net charge-offs | 104.7120% | 1,911 |
| Earnings coverage of net charge-offs (x) | 0.0105% | 4,126 |
| Efficiency ratio | 99.8102% | 409 |
| Assets per employee ($millions) | 4.3791% | 3,119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7277% | 2,044 |
| Loan loss allowance to noncurrent loans | 29.6392% | 5,789 |
| Noncurrent assets plus other real estate owned to assets | 3.8775% | 571 |
| Noncurrent loans to loans | 5.8291% | 283 |
| Net loans and leases to total assets | 39.8328% | 5,832 |
| Net loans and leases to deposits | 44.7908% | 5,945 |
| Net loans and leases to core deposits | 44.7908% | 6,040 |
| Total domestic deposits to total assets | 88.9308% | 1,395 |
| Equity capital to assets | 10.7921% | 3,100 |
| Core capital (leverage) ratio | 10.5698% | 2,865 |
| Tier 1 risk-based capital ratio | 25.7186% | 802 |
| Total risk-based capital ratio | 26.9744% | 783 |
| Memoranda: | ||
| Average total assets | $67,272,670 | 5,466 |
| Average earning assets | $62,602,330 | 5,433 |
| Average equity | $7,219,670 | 5,435 |
| Average total loans | $27,119,000 | 5,784 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3071% | 5,828 |
| Cost of funding earning assets | 0.3213% | 4,844 |
| Net interest margin | 2.9858% | 5,557 |
| Noninterest income to average assets | 0.3937% | 4,240 |
| Noninterest expense to average assets | 3.0618% | 2,652 |
| Loan and lease loss provision to assets | 0.0882% | 2,447 |
| Net operating income to assets | 0.0294% | 6,168 |
| Return on assets (ROA) | 0.0294% | 6,186 |
| Pretax return on assets | 0.0294% | 6,180 |
| Return on Equity (ROE) | 0.2745% | 6,188 |
| Retained earnings to average equity (ytd only) | 0.2745% | 5,466 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.3031% | 623 |
| Assets per employee ($millions) | 4.5515% | 2,890 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7125% | 2,311 |
| Loan loss allowance to noncurrent loans | 33.2145% | 5,767 |
| Noncurrent assets plus other real estate owned to assets | 3.6911% | 686 |
| Noncurrent loans to loans | 5.1558% | 420 |
| Net loans and leases to total assets | 39.1757% | 5,866 |
| Net loans and leases to deposits | 44.0379% | 5,974 |
| Net loans and leases to core deposits | 44.2309% | 6,068 |
| Total domestic deposits to total assets | 88.9589% | 1,685 |
| Equity capital to assets | 10.6706% | 3,072 |
| Core capital (leverage) ratio | 10.4391% | 3,007 |
| Tier 1 risk-based capital ratio | 26.4698% | 750 |
| Total risk-based capital ratio | 27.7252% | 739 |
| Memoranda: | ||
| Average total assets | $68,065,500 | 5,504 |
| Average earning assets | $63,500,500 | 5,455 |
| Average equity | $7,285,000 | 5,447 |
| Average total loans | $27,366,000 | 5,833 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2276% | 6,108 |
| Cost of funding earning assets | 0.3985% | 4,673 |
| Net interest margin | 2.8292% | 5,932 |
| Noninterest income to average assets | 0.2251% | 5,727 |
| Noninterest expense to average assets | 2.8452% | 3,548 |
| Loan and lease loss provision to assets | 0.0484% | 4,161 |
| Net operating income to assets | -0.0613% | 6,262 |
| Return on assets (ROA) | -0.0584% | 6,293 |
| Pretax return on assets | -0.0256% | 6,251 |
| Return on Equity (ROE) | -0.5599% | 6,300 |
| Retained earnings to average equity (ytd only) | -0.5599% | 5,984 |
| Net charge-offs to loans | 0.6123% | 1,069 |
| Credit loss provision to net charge-offs | 19.1011% | 4,461 |
| Earnings coverage of net charge-offs (x) | 0.0787% | 5,064 |
| Efficiency ratio | 99.3038% | 501 |
| Assets per employee ($millions) | 4.8471% | 2,381 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6388% | 2,613 |
| Loan loss allowance to noncurrent loans | 24.6853% | 6,081 |
| Noncurrent assets plus other real estate owned to assets | 4.5919% | 534 |
| Noncurrent loans to loans | 6.6388% | 270 |
| Net loans and leases to total assets | 39.8901% | 5,974 |
| Net loans and leases to deposits | 44.9084% | 6,077 |
| Net loans and leases to core deposits | 45.1067% | 6,181 |
| Total domestic deposits to total assets | 88.8254% | 1,732 |
| Equity capital to assets | 10.7355% | 2,892 |
| Core capital (leverage) ratio | 10.4953% | 2,929 |
| Tier 1 risk-based capital ratio | 26.1704% | 761 |
| Total risk-based capital ratio | 27.4271% | 738 |
| Memoranda: | ||
| Average total assets | $70,189,400 | 5,475 |
| Average earning assets | $65,496,600 | 5,420 |
| Average equity | $7,322,600 | 5,493 |
| Average total loans | $29,069,800 | 5,806 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2393% | 6,150 |
| Cost of funding earning assets | 0.4132% | 4,694 |
| Net interest margin | 2.8260% | 5,969 |
| Noninterest income to average assets | 0.2317% | 5,777 |
| Noninterest expense to average assets | 2.8014% | 3,659 |
| Loan and lease loss provision to assets | 0.0358% | 4,303 |
| Net operating income to assets | 0.0358% | 6,242 |
| Return on assets (ROA) | 0.0396% | 6,289 |
| Pretax return on assets | 0.0396% | 6,271 |
| Return on Equity (ROE) | 0.3819% | 6,290 |
| Retained earnings to average equity (ytd only) | 0.3819% | 5,816 |
| Net charge-offs to loans | 0.8057% | 727 |
| Credit loss provision to net charge-offs | 10.6742% | 4,213 |
| Earnings coverage of net charge-offs (x) | 0.2135% | 4,794 |
| Efficiency ratio | 97.5082% | 546 |
| Assets per employee ($millions) | 4.5977% | 2,721 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5610% | 3,182 |
| Loan loss allowance to noncurrent loans | 23.4031% | 6,173 |
| Noncurrent assets plus other real estate owned to assets | 4.5138% | 670 |
| Noncurrent loans to loans | 6.6700% | 328 |
| Net loans and leases to total assets | 39.8675% | 6,042 |
| Net loans and leases to deposits | 44.8093% | 6,167 |
| Net loans and leases to core deposits | 45.0037% | 6,248 |
| Total domestic deposits to total assets | 88.9714% | 1,567 |
| Equity capital to assets | 10.6632% | 3,108 |
| Core capital (leverage) ratio | 10.4167% | 3,097 |
| Tier 1 risk-based capital ratio | 26.0980% | 778 |
| Total risk-based capital ratio | 27.3513% | 766 |
| Memoranda: | ||
| Average total assets | $70,772,000 | 5,510 |
| Average earning assets | $66,145,000 | 5,450 |
| Average equity | $7,332,000 | 5,552 |
| Average total loans | $29,457,250 | 5,845 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2912% | 6,102 |
| Cost of funding earning assets | 0.4290% | 4,671 |
| Net interest margin | 2.8622% | 5,871 |
| Noninterest income to average assets | 0.2494% | 5,664 |
| Noninterest expense to average assets | 2.8077% | 3,651 |
| Loan and lease loss provision to assets | 0.0112% | 4,650 |
| Net operating income to assets | 0.1037% | 6,125 |
| Return on assets (ROA) | 0.1093% | 6,202 |
| Pretax return on assets | 0.1093% | 6,217 |
| Return on Equity (ROE) | 1.0649% | 6,197 |
| Retained earnings to average equity (ytd only) | 1.0649% | 5,473 |
| Net charge-offs to loans | 0.9945% | 613 |
| Credit loss provision to net charge-offs | 2.6846% | 3,976 |
| Earnings coverage of net charge-offs (x) | 0.2752% | 4,455 |
| Efficiency ratio | 96.0690% | 650 |
| Assets per employee ($millions) | 4.7011% | 2,512 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5484% | 3,372 |
| Loan loss allowance to noncurrent loans | 21.9085% | 6,265 |
| Noncurrent assets plus other real estate owned to assets | 4.5919% | 707 |
| Noncurrent loans to loans | 7.0674% | 334 |
| Net loans and leases to total assets | 40.5766% | 6,008 |
| Net loans and leases to deposits | 45.3706% | 6,145 |
| Net loans and leases to core deposits | 45.5614% | 6,248 |
| Total domestic deposits to total assets | 89.4336% | 1,358 |
| Equity capital to assets | 10.3494% | 3,493 |
| Core capital (leverage) ratio | 10.2133% | 3,208 |
| Tier 1 risk-based capital ratio | 25.4173% | 832 |
| Total risk-based capital ratio | 26.6702% | 812 |
| Memoranda: | ||
| Average total assets | $71,374,000 | 5,529 |
| Average earning assets | $66,661,670 | 5,477 |
| Average equity | $7,324,670 | 5,599 |
| Average total loans | $29,966,000 | 5,846 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3709% | 6,000 |
| Cost of funding earning assets | 0.4542% | 4,545 |
| Net interest margin | 2.9167% | 5,778 |
| Noninterest income to average assets | 0.3677% | 4,729 |
| Noninterest expense to average assets | 2.5960% | 4,419 |
| Loan and lease loss provision to assets | 0.1393% | 2,503 |
| Net operating income to assets | 0.3231% | 5,482 |
| Return on assets (ROA) | 0.3231% | 5,614 |
| Pretax return on assets | 0.3510% | 5,713 |
| Return on Equity (ROE) | 3.1616% | 5,513 |
| Retained earnings to average equity (ytd only) | 3.1616% | 4,368 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1155% | 1,751 |
| Assets per employee ($millions) | 4.8024% | 2,483 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0667% | 1,873 |
| Loan loss allowance to noncurrent loans | 30.9690% | 5,991 |
| Noncurrent assets plus other real estate owned to assets | 4.3506% | 864 |
| Noncurrent loans to loans | 6.6733% | 468 |
| Net loans and leases to total assets | 40.7852% | 5,938 |
| Net loans and leases to deposits | 45.5765% | 6,079 |
| Net loans and leases to core deposits | 45.7640% | 6,223 |
| Total domestic deposits to total assets | 89.4872% | 1,361 |
| Equity capital to assets | 10.2143% | 3,892 |
| Core capital (leverage) ratio | 10.0242% | 3,344 |
| Tier 1 risk-based capital ratio | 24.9628% | 896 |
| Total risk-based capital ratio | 26.2246% | 879 |
| Memoranda: | ||
| Average total assets | $71,803,000 | 5,569 |
| Average earning assets | $66,926,000 | 5,519 |
| Average equity | $7,338,000 | 5,653 |
| Average total loans | $30,417,500 | 5,874 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4301% | 6,448 |
| Cost of funding earning assets | 0.6613% | 3,824 |
| Net interest margin | 2.7688% | 6,424 |
| Noninterest income to average assets | 0.4177% | 4,471 |
| Noninterest expense to average assets | 2.9076% | 3,601 |
| Loan and lease loss provision to assets | 0.2109% | 3,037 |
| Net operating income to assets | -1.6089% | 6,880 |
| Return on assets (ROA) | -1.7040% | 6,910 |
| Pretax return on assets | -0.2675% | 6,459 |
| Return on Equity (ROE) | -15.7717% | 6,834 |
| Retained earnings to average equity (ytd only) | -15.7717% | 6,785 |
| Net charge-offs to loans | 0.2871% | 3,224 |
| Credit loss provision to net charge-offs | 164.5161% | 1,628 |
| Earnings coverage of net charge-offs (x) | 0.3011% | 5,327 |
| Efficiency ratio | 98.6898% | 604 |
| Assets per employee ($millions) | 4.7713% | 2,543 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9296% | 2,199 |
| Loan loss allowance to noncurrent loans | 22.5978% | 6,329 |
| Noncurrent assets plus other real estate owned to assets | 5.3109% | 713 |
| Noncurrent loans to loans | 8.5390% | 326 |
| Net loans and leases to total assets | 42.2523% | 5,977 |
| Net loans and leases to deposits | 47.1910% | 6,164 |
| Net loans and leases to core deposits | 47.3855% | 6,307 |
| Total domestic deposits to total assets | 89.5347% | 1,226 |
| Equity capital to assets | 10.2250% | 3,860 |
| Core capital (leverage) ratio | 10.0084% | 3,384 |
| Tier 1 risk-based capital ratio | 24.3408% | 933 |
| Total risk-based capital ratio | 25.6015% | 905 |
| Memoranda: | ||
| Average total assets | $72,533,400 | 5,562 |
| Average earning assets | $66,237,600 | 5,543 |
| Average equity | $7,836,800 | 5,546 |
| Average total loans | $32,397,000 | 5,831 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5140% | 6,499 |
| Cost of funding earning assets | 0.7024% | 3,749 |
| Net interest margin | 2.8116% | 6,484 |
| Noninterest income to average assets | 0.2913% | 5,446 |
| Noninterest expense to average assets | 2.9808% | 3,301 |
| Loan and lease loss provision to assets | 0.0824% | 4,593 |
| Net operating income to assets | -2.1216% | 7,054 |
| Return on assets (ROA) | -2.2553% | 7,071 |
| Pretax return on assets | -0.3463% | 6,627 |
| Return on Equity (ROE) | -20.6024% | 6,997 |
| Retained earnings to average equity (ytd only) | -20.6024% | 6,981 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.5630% | 411 |
| Assets per employee ($millions) | 4.7054% | 2,593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8538% | 2,633 |
| Loan loss allowance to noncurrent loans | 23.2558% | 6,401 |
| Noncurrent assets plus other real estate owned to assets | 5.2833% | 820 |
| Noncurrent loans to loans | 7.9714% | 395 |
| Net loans and leases to total assets | 43.5060% | 6,006 |
| Net loans and leases to deposits | 48.7529% | 6,213 |
| Net loans and leases to core deposits | 48.9573% | 6,354 |
| Total domestic deposits to total assets | 89.2379% | 1,290 |
| Equity capital to assets | 10.4221% | 3,932 |
| Core capital (leverage) ratio | 10.1557% | 3,341 |
| Tier 1 risk-based capital ratio | 24.4625% | 961 |
| Total risk-based capital ratio | 25.7218% | 947 |
| Memoranda: | ||
| Average total assets | $72,774,250 | 5,612 |
| Average earning assets | $66,247,750 | 5,607 |
| Average equity | $7,966,500 | 5,569 |
| Average total loans | $32,787,500 | 5,886 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5478% | 6,550 |
| Cost of funding earning assets | 0.7444% | 3,651 |
| Net interest margin | 2.8034% | 6,570 |
| Noninterest income to average assets | 0.2503% | 5,788 |
| Noninterest expense to average assets | 2.9658% | 3,390 |
| Loan and lease loss provision to assets | 0.0816% | 4,578 |
| Net operating income to assets | -3.0909% | 7,159 |
| Return on assets (ROA) | -3.2896% | 7,169 |
| Pretax return on assets | -0.4544% | 6,728 |
| Return on Equity (ROE) | -29.5961% | 7,098 |
| Retained earnings to average equity (ytd only) | -29.5961% | 7,086 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.2378% | 393 |
| Assets per employee ($millions) | 4.8159% | 2,417 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7311% | 3,107 |
| Loan loss allowance to noncurrent loans | 24.5973% | 6,382 |
| Noncurrent assets plus other real estate owned to assets | 4.7759% | 1,012 |
| Noncurrent loans to loans | 7.0378% | 548 |
| Net loans and leases to total assets | 44.3991% | 5,978 |
| Net loans and leases to deposits | 49.6156% | 6,204 |
| Net loans and leases to core deposits | 50.0140% | 6,342 |
| Total domestic deposits to total assets | 89.4861% | 1,227 |
| Equity capital to assets | 10.2010% | 4,051 |
| Core capital (leverage) ratio | 9.9532% | 3,482 |
| Tier 1 risk-based capital ratio | 24.2709% | 983 |
| Total risk-based capital ratio | 25.5300% | 964 |
| Memoranda: | ||
| Average total assets | $73,505,330 | 5,617 |
| Average earning assets | $66,633,330 | 5,625 |
| Average equity | $8,170,000 | 5,521 |
| Average total loans | $33,287,670 | 5,899 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5070% | 6,689 |
| Cost of funding earning assets | 0.8033% | 3,450 |
| Net interest margin | 2.7037% | 6,765 |
| Noninterest income to average assets | 0.6366% | 3,012 |
| Noninterest expense to average assets | 2.8541% | 3,803 |
| Loan and lease loss provision to assets | 0.0809% | 4,380 |
| Net operating income to assets | 0.1133% | 6,210 |
| Return on assets (ROA) | -0.0863% | 6,605 |
| Pretax return on assets | -0.0647% | 6,578 |
| Return on Equity (ROE) | -0.7467% | 6,606 |
| Retained earnings to average equity (ytd only) | -0.7467% | 6,120 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.9701% | 886 |
| Assets per employee ($millions) | 4.9700% | 2,288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6420% | 3,570 |
| Loan loss allowance to noncurrent loans | 23.4642% | 6,441 |
| Noncurrent assets plus other real estate owned to assets | 4.8263% | 1,089 |
| Noncurrent loans to loans | 6.9981% | 638 |
| Net loans and leases to total assets | 44.1918% | 5,994 |
| Net loans and leases to deposits | 50.0038% | 6,139 |
| Net loans and leases to core deposits | 50.2034% | 6,326 |
| Total domestic deposits to total assets | 88.3769% | 2,085 |
| Equity capital to assets | 11.4863% | 2,456 |
| Core capital (leverage) ratio | 10.5139% | 2,733 |
| Tier 1 risk-based capital ratio | 24.9863% | 910 |
| Total risk-based capital ratio | 26.2430% | 894 |
| Memoranda: | ||
| Average total assets | $74,139,000 | 5,642 |
| Average earning assets | $66,724,500 | 5,665 |
| Average equity | $8,570,500 | 5,416 |
| Average total loans | $33,612,500 | 5,932 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0156% | 6,424 |
| Cost of funding earning assets | 1.0656% | 2,914 |
| Net interest margin | 2.9501% | 6,608 |
| Noninterest income to average assets | 0.1195% | 6,548 |
| Noninterest expense to average assets | 2.5675% | 5,211 |
| Loan and lease loss provision to assets | 0.7226% | 1,414 |
| Net operating income to assets | -0.3218% | 6,360 |
| Return on assets (ROA) | -0.3201% | 6,411 |
| Pretax return on assets | -0.4981% | 6,493 |
| Return on Equity (ROE) | -2.7694% | 6,386 |
| Retained earnings to average equity (ytd only) | -2.7694% | 6,239 |
| Net charge-offs to loans | -0.5140% | 7,280 |
| Credit loss provision to net charge-offs | -295.6522% | 6,776 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.0476% | 1,044 |
| Assets per employee ($millions) | 4.6080% | 2,740 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5861% | 3,639 |
| Loan loss allowance to noncurrent loans | 32.6419% | 6,036 |
| Noncurrent assets plus other real estate owned to assets | 4.2589% | 1,312 |
| Noncurrent loans to loans | 4.8592% | 1,186 |
| Net loans and leases to total assets | 45.0236% | 6,107 |
| Net loans and leases to deposits | 51.0088% | 6,291 |
| Net loans and leases to core deposits | 51.2142% | 6,467 |
| Total domestic deposits to total assets | 88.2663% | 1,988 |
| Equity capital to assets | 11.6347% | 2,401 |
| Core capital (leverage) ratio | 10.6935% | 2,530 |
| Tier 1 risk-based capital ratio | 25.3639% | 833 |
| Total risk-based capital ratio | 26.6206% | 811 |
| Memoranda: | ||
| Average total assets | $75,286,800 | 5,594 |
| Average earning assets | $68,133,600 | 5,609 |
| Average equity | $8,702,400 | 5,357 |
| Average total loans | $35,795,200 | 5,879 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0589% | 6,488 |
| Cost of funding earning assets | 1.1068% | 2,933 |
| Net interest margin | 2.9521% | 6,666 |
| Noninterest income to average assets | 0.1092% | 6,708 |
| Noninterest expense to average assets | 2.5459% | 5,299 |
| Loan and lease loss provision to assets | 0.8651% | 1,052 |
| Net operating income to assets | -0.3870% | 6,570 |
| Return on assets (ROA) | -0.3858% | 6,624 |
| Pretax return on assets | -0.6166% | 6,689 |
| Return on Equity (ROE) | -3.3433% | 6,582 |
| Retained earnings to average equity (ytd only) | -3.3433% | 6,453 |
| Net charge-offs to loans | -0.7674% | 7,373 |
| Credit loss provision to net charge-offs | -234.9282% | 6,596 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.1672% | 1,096 |
| Assets per employee ($millions) | 4.6206% | 2,724 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4982% | 4,108 |
| Loan loss allowance to noncurrent loans | 26.3291% | 6,438 |
| Noncurrent assets plus other real estate owned to assets | 4.5178% | 1,329 |
| Noncurrent loans to loans | 5.6903% | 1,012 |
| Net loans and leases to total assets | 46.2444% | 6,124 |
| Net loans and leases to deposits | 52.5452% | 6,325 |
| Net loans and leases to core deposits | 52.7568% | 6,521 |
| Total domestic deposits to total assets | 88.0088% | 2,029 |
| Equity capital to assets | 11.6598% | 2,533 |
| Core capital (leverage) ratio | 10.6986% | 2,665 |
| Tier 1 risk-based capital ratio | 25.0176% | 913 |
| Total risk-based capital ratio | 26.2730% | 901 |
| Memoranda: | ||
| Average total assets | $75,676,500 | 5,621 |
| Average earning assets | $68,785,250 | 5,625 |
| Average equity | $8,733,500 | 5,379 |
| Average total loans | $36,311,500 | 5,901 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1109% | 6,470 |
| Cost of funding earning assets | 1.1520% | 2,887 |
| Net interest margin | 2.9589% | 6,679 |
| Noninterest income to average assets | 0.1442% | 6,604 |
| Noninterest expense to average assets | 2.5859% | 5,238 |
| Loan and lease loss provision to assets | 1.1671% | 681 |
| Net operating income to assets | -0.5586% | 6,737 |
| Return on assets (ROA) | -0.5586% | 6,755 |
| Pretax return on assets | -0.9074% | 6,864 |
| Return on Equity (ROE) | -4.8567% | 6,701 |
| Retained earnings to average equity (ytd only) | -4.8567% | 6,551 |
| Net charge-offs to loans | -0.8413% | 7,433 |
| Credit loss provision to net charge-offs | -287.0968% | 6,425 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.8756% | 1,178 |
| Assets per employee ($millions) | 4.6741% | 2,582 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4048% | 4,545 |
| Loan loss allowance to noncurrent loans | 17.6056% | 6,791 |
| Noncurrent assets plus other real estate owned to assets | 5.3325% | 1,128 |
| Noncurrent loans to loans | 7.9793% | 569 |
| Net loans and leases to total assets | 46.9232% | 6,157 |
| Net loans and leases to deposits | 53.1134% | 6,381 |
| Net loans and leases to core deposits | 53.5674% | 6,589 |
| Total domestic deposits to total assets | 88.3454% | 1,941 |
| Equity capital to assets | 11.5409% | 2,465 |
| Core capital (leverage) ratio | 10.5837% | 2,626 |
| Tier 1 risk-based capital ratio | 24.4611% | 960 |
| Total risk-based capital ratio | 25.7157% | 941 |
| Memoranda: | ||
| Average total assets | $76,259,000 | 5,645 |
| Average earning assets | $69,619,330 | 5,642 |
| Average equity | $8,771,330 | 5,390 |
| Average total loans | $36,846,000 | 5,942 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0668% | 6,565 |
| Cost of funding earning assets | 1.1935% | 2,861 |
| Net interest margin | 2.8733% | 6,797 |
| Noninterest income to average assets | 0.1610% | 6,574 |
| Noninterest expense to average assets | 2.5456% | 5,401 |
| Loan and lease loss provision to assets | 0.3221% | 2,615 |
| Net operating income to assets | -0.0468% | 6,409 |
| Return on assets (ROA) | -0.0468% | 6,428 |
| Pretax return on assets | -0.0675% | 6,419 |
| Return on Equity (ROE) | -0.4072% | 6,425 |
| Retained earnings to average equity (ytd only) | -0.4072% | 5,867 |
| Net charge-offs to loans | 0.1494% | 3,593 |
| Credit loss provision to net charge-offs | 442.8571% | 792 |
| Earnings coverage of net charge-offs (x) | 3.5000% | 2,723 |
| Efficiency ratio | 90.9091% | 1,248 |
| Assets per employee ($millions) | 5.1067% | 2,020 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9898% | 6,433 |
| Loan loss allowance to noncurrent loans | 8.7711% | 7,027 |
| Noncurrent assets plus other real estate owned to assets | 5.5888% | 1,066 |
| Noncurrent loans to loans | 11.2852% | 324 |
| Net loans and leases to total assets | 48.1854% | 6,059 |
| Net loans and leases to deposits | 54.5530% | 6,249 |
| Net loans and leases to core deposits | 55.0075% | 6,482 |
| Total domestic deposits to total assets | 88.3277% | 2,179 |
| Equity capital to assets | 11.5248% | 2,243 |
| Core capital (leverage) ratio | 10.5981% | 2,509 |
| Tier 1 risk-based capital ratio | 24.3993% | 933 |
| Total risk-based capital ratio | 25.5216% | 932 |
| Memoranda: | ||
| Average total assets | $76,995,500 | 5,667 |
| Average earning assets | $70,719,000 | 5,642 |
| Average equity | $8,841,500 | 5,375 |
| Average total loans | $37,473,000 | 5,969 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4599% | 6,495 |
| Cost of funding earning assets | 1.5587% | 2,310 |
| Net interest margin | 2.9012% | 6,891 |
| Noninterest income to average assets | 0.1800% | 6,463 |
| Noninterest expense to average assets | 2.4797% | 5,862 |
| Loan and lease loss provision to assets | 0.7393% | 2,220 |
| Net operating income to assets | -0.2483% | 6,159 |
| Return on assets (ROA) | -0.2413% | 6,209 |
| Pretax return on assets | -0.3550% | 6,203 |
| Return on Equity (ROE) | -2.1021% | 6,180 |
| Retained earnings to average equity (ytd only) | -2.1021% | 5,980 |
| Net charge-offs to loans | 0.7736% | 2,700 |
| Credit loss provision to net charge-offs | 186.7742% | 1,748 |
| Earnings coverage of net charge-offs (x) | 0.9452% | 5,164 |
| Efficiency ratio | 86.8904% | 1,580 |
| Assets per employee ($millions) | 5.1594% | 1,932 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9664% | 6,508 |
| Loan loss allowance to noncurrent loans | 16.3964% | 6,934 |
| Noncurrent assets plus other real estate owned to assets | 2.9745% | 2,365 |
| Noncurrent loans to loans | 5.8938% | 1,070 |
| Net loans and leases to total assets | 48.2007% | 6,374 |
| Net loans and leases to deposits | 54.5421% | 6,563 |
| Net loans and leases to core deposits | 54.9908% | 6,752 |
| Total domestic deposits to total assets | 88.3733% | 2,027 |
| Equity capital to assets | 11.4419% | 2,314 |
| Core capital (leverage) ratio | 10.5039% | 2,552 |
| Tier 1 risk-based capital ratio | 24.9689% | 851 |
| Total risk-based capital ratio | 26.1006% | 839 |
| Memoranda: | ||
| Average total assets | $78,314,400 | 5,636 |
| Average earning assets | $72,176,000 | 5,596 |
| Average equity | $8,991,000 | 5,432 |
| Average total loans | $40,072,000 | 5,920 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5886% | 6,367 |
| Cost of funding earning assets | 1.6216% | 2,269 |
| Net interest margin | 2.9670% | 6,898 |
| Noninterest income to average assets | 0.1562% | 6,747 |
| Noninterest expense to average assets | 2.4631% | 5,845 |
| Loan and lease loss provision to assets | 0.4159% | 3,408 |
| Net operating income to assets | 0.0289% | 5,936 |
| Return on assets (ROA) | 0.0407% | 6,039 |
| Pretax return on assets | 0.0255% | 6,053 |
| Return on Equity (ROE) | 0.3546% | 6,039 |
| Retained earnings to average equity (ytd only) | 0.3546% | 5,648 |
| Net charge-offs to loans | 0.3245% | 4,037 |
| Credit loss provision to net charge-offs | 247.4747% | 1,352 |
| Earnings coverage of net charge-offs (x) | 2.5555% | 3,883 |
| Efficiency ratio | 85.1526% | 1,715 |
| Assets per employee ($millions) | 5.2360% | 1,889 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9881% | 6,454 |
| Loan loss allowance to noncurrent loans | 16.1480% | 7,042 |
| Noncurrent assets plus other real estate owned to assets | 3.7140% | 1,914 |
| Noncurrent loans to loans | 6.1189% | 1,009 |
| Net loans and leases to total assets | 48.9929% | 6,437 |
| Net loans and leases to deposits | 55.5967% | 6,641 |
| Net loans and leases to core deposits | 56.0477% | 6,856 |
| Total domestic deposits to total assets | 88.1220% | 1,887 |
| Equity capital to assets | 11.5979% | 2,455 |
| Core capital (leverage) ratio | 11.3289% | 2,046 |
| Tier 1 risk-based capital ratio | 26.5942% | 731 |
| Total risk-based capital ratio | 27.7476% | 716 |
| Memoranda: | ||
| Average total assets | $78,545,250 | 5,702 |
| Average earning assets | $72,438,750 | 5,655 |
| Average equity | $9,025,000 | 5,493 |
| Average total loans | $40,673,250 | 5,977 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6470% | 6,322 |
| Cost of funding earning assets | 1.6675% | 2,303 |
| Net interest margin | 2.9795% | 6,871 |
| Noninterest income to average assets | 0.1171% | 7,020 |
| Noninterest expense to average assets | 2.4724% | 5,823 |
| Loan and lease loss provision to assets | 0.5322% | 2,654 |
| Net operating income to assets | -0.0804% | 6,199 |
| Return on assets (ROA) | -0.0738% | 6,278 |
| Pretax return on assets | -0.1248% | 6,269 |
| Return on Equity (ROE) | -0.6447% | 6,281 |
| Retained earnings to average equity (ytd only) | -0.6447% | 5,890 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.1579% | 1,693 |
| Assets per employee ($millions) | 5.2231% | 1,904 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1140% | 5,874 |
| Loan loss allowance to noncurrent loans | 17.8443% | 7,033 |
| Noncurrent assets plus other real estate owned to assets | 3.2152% | 2,200 |
| Noncurrent loans to loans | 6.2430% | 992 |
| Net loans and leases to total assets | 50.6446% | 6,360 |
| Net loans and leases to deposits | 57.2926% | 6,633 |
| Net loans and leases to core deposits | 57.3340% | 6,868 |
| Total domestic deposits to total assets | 88.3963% | 1,784 |
| Equity capital to assets | 11.4990% | 2,443 |
| Core capital (leverage) ratio | 11.2790% | 2,045 |
| Tier 1 risk-based capital ratio | 23.1277% | 1,048 |
| Total risk-based capital ratio | 24.3023% | 1,042 |
| Memoranda: | ||
| Average total assets | $78,547,000 | 5,742 |
| Average earning assets | $72,562,670 | 5,687 |
| Average equity | $8,997,000 | 5,503 |
| Average total loans | $41,276,670 | 5,998 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6252% | 6,489 |
| Cost of funding earning assets | 1.7234% | 2,275 |
| Net interest margin | 2.9017% | 7,019 |
| Noninterest income to average assets | 0.0966% | 7,222 |
| Noninterest expense to average assets | 2.5074% | 5,699 |
| Loan and lease loss provision to assets | 0.0458% | 6,214 |
| Net operating income to assets | 0.1377% | 5,894 |
| Return on assets (ROA) | 0.1475% | 5,993 |
| Pretax return on assets | 0.2390% | 5,769 |
| Return on Equity (ROE) | 1.2902% | 6,031 |
| Retained earnings to average equity (ytd only) | 1.2902% | 5,294 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.2930% | 1,406 |
| Assets per employee ($millions) | 5.2557% | 1,908 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6651% | 7,408 |
| Loan loss allowance to noncurrent loans | 23.7158% | 6,814 |
| Noncurrent assets plus other real estate owned to assets | 1.5336% | 4,205 |
| Noncurrent loans to loans | 2.8045% | 2,859 |
| Net loans and leases to total assets | 52.4773% | 6,217 |
| Net loans and leases to deposits | 59.3371% | 6,529 |
| Net loans and leases to core deposits | 59.3797% | 6,790 |
| Total domestic deposits to total assets | 88.4393% | 1,828 |
| Equity capital to assets | 11.4224% | 2,423 |
| Core capital (leverage) ratio | 11.2690% | 2,046 |
| Tier 1 risk-based capital ratio | 23.4744% | 1,016 |
| Total risk-based capital ratio | 24.2084% | 1,059 |
| Memoranda: | ||
| Average total assets | $78,647,500 | 5,804 |
| Average earning assets | $72,646,000 | 5,756 |
| Average equity | $8,991,000 | 5,551 |
| Average total loans | $41,852,500 | 6,034 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2601% | 5,366 |
| Cost of funding earning assets | 2.1592% | 2,193 |
| Net interest margin | 3.1009% | 6,368 |
| Noninterest income to average assets | 0.1704% | 6,860 |
| Noninterest expense to average assets | 2.4733% | 6,226 |
| Loan and lease loss provision to assets | 0.0743% | 6,842 |
| Net operating income to assets | 0.3291% | 4,418 |
| Return on assets (ROA) | -1.0944% | 6,642 |
| Pretax return on assets | -1.6519% | 6,787 |
| Return on Equity (ROE) | -9.7213% | 6,603 |
| Retained earnings to average equity (ytd only) | -9.7213% | 6,498 |
| Net charge-offs to loans | -0.0586% | 7,854 |
| Credit loss provision to net charge-offs | -232.0000% | 7,399 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0243% | 2,746 |
| Assets per employee ($millions) | 5.2306% | 1,916 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6372% | 7,497 |
| Loan loss allowance to noncurrent loans | 22.5779% | 6,936 |
| Noncurrent assets plus other real estate owned to assets | 1.5129% | 4,113 |
| Noncurrent loans to loans | 2.8224% | 2,734 |
| Net loans and leases to total assets | 53.2622% | 6,277 |
| Net loans and leases to deposits | 60.2130% | 6,618 |
| Net loans and leases to core deposits | 67.2952% | 6,917 |
| Total domestic deposits to total assets | 88.4564% | 1,748 |
| Equity capital to assets | 11.4416% | 2,361 |
| Core capital (leverage) ratio | 11.2862% | 2,056 |
| Tier 1 risk-based capital ratio | 23.0326% | 1,039 |
| Total risk-based capital ratio | 23.7316% | 1,074 |
| Memoranda: | ||
| Average total assets | $78,033,600 | 5,783 |
| Average earning assets | $72,526,800 | 5,735 |
| Average equity | $8,784,800 | 5,669 |
| Average total loans | $42,678,600 | 5,993 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3273% | 5,293 |
| Cost of funding earning assets | 2.2401% | 2,233 |
| Net interest margin | 3.0872% | 6,346 |
| Noninterest income to average assets | 0.1848% | 6,904 |
| Noninterest expense to average assets | 2.4706% | 6,174 |
| Loan and lease loss provision to assets | 0.0838% | 6,529 |
| Net operating income to assets | 0.3372% | 4,648 |
| Return on assets (ROA) | -1.5655% | 7,141 |
| Pretax return on assets | -2.3782% | 7,307 |
| Return on Equity (ROE) | -13.9637% | 7,132 |
| Retained earnings to average equity (ytd only) | -13.9637% | 7,074 |
| Net charge-offs to loans | -0.0778% | 7,897 |
| Credit loss provision to net charge-offs | -196.0000% | 7,224 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7606% | 2,739 |
| Assets per employee ($millions) | 5.1733% | 1,930 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6112% | 7,556 |
| Loan loss allowance to noncurrent loans | 35.8726% | 6,012 |
| Noncurrent assets plus other real estate owned to assets | 0.9304% | 5,210 |
| Noncurrent loans to loans | 1.7038% | 4,084 |
| Net loans and leases to total assets | 54.2758% | 6,350 |
| Net loans and leases to deposits | 61.5652% | 6,715 |
| Net loans and leases to core deposits | 69.3061% | 6,999 |
| Total domestic deposits to total assets | 88.1598% | 1,587 |
| Equity capital to assets | 11.4948% | 2,591 |
| Core capital (leverage) ratio | 11.3336% | 2,172 |
| Tier 1 risk-based capital ratio | 23.2618% | 1,075 |
| Total risk-based capital ratio | 23.9489% | 1,123 |
| Memoranda: | ||
| Average total assets | $77,927,250 | 5,825 |
| Average earning assets | $72,554,750 | 5,769 |
| Average equity | $8,736,750 | 5,741 |
| Average total loans | $42,834,000 | 6,028 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3693% | 5,307 |
| Cost of funding earning assets | 2.3058% | 2,338 |
| Net interest margin | 3.0634% | 6,355 |
| Noninterest income to average assets | 0.2281% | 6,651 |
| Noninterest expense to average assets | 2.5193% | 6,057 |
| Loan and lease loss provision to assets | 0.1025% | 6,148 |
| Net operating income to assets | 0.3228% | 4,795 |
| Return on assets (ROA) | -2.5706% | 7,569 |
| Pretax return on assets | -3.8623% | 7,722 |
| Return on Equity (ROE) | -23.1221% | 7,593 |
| Retained earnings to average equity (ytd only) | -23.1221% | 7,552 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8485% | 2,740 |
| Assets per employee ($millions) | 5.2115% | 1,843 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5379% | 7,743 |
| Loan loss allowance to noncurrent loans | 22.1893% | 7,007 |
| Noncurrent assets plus other real estate owned to assets | 1.2971% | 4,352 |
| Noncurrent loans to loans | 2.4242% | 2,988 |
| Net loans and leases to total assets | 53.2191% | 6,546 |
| Net loans and leases to deposits | 60.2279% | 6,871 |
| Net loans and leases to core deposits | 65.8692% | 7,220 |
| Total domestic deposits to total assets | 88.3630% | 1,589 |
| Equity capital to assets | 11.1049% | 2,832 |
| Core capital (leverage) ratio | 11.1049% | 2,327 |
| Tier 1 risk-based capital ratio | 23.0119% | 1,130 |
| Total risk-based capital ratio | 23.6083% | 1,173 |
| Memoranda: | ||
| Average total assets | $78,036,330 | 5,862 |
| Average earning assets | $72,598,000 | 5,807 |
| Average equity | $8,675,670 | 5,783 |
| Average total loans | $42,986,330 | 6,067 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4347% | 5,252 |
| Cost of funding earning assets | 2.3694% | 2,418 |
| Net interest margin | 3.0653% | 6,294 |
| Noninterest income to average assets | 0.2155% | 6,755 |
| Noninterest expense to average assets | 2.3292% | 6,436 |
| Loan and lease loss provision to assets | 0.0616% | 6,187 |
| Net operating income to assets | 0.4156% | 4,796 |
| Return on assets (ROA) | 0.4156% | 4,973 |
| Pretax return on assets | 0.6721% | 4,516 |
| Return on Equity (ROE) | 3.7357% | 5,063 |
| Retained earnings to average equity (ytd only) | 3.7357% | 3,824 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0469% | 3,486 |
| Assets per employee ($millions) | 5.2768% | 1,760 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5046% | 7,819 |
| Loan loss allowance to noncurrent loans | 28.3837% | 6,660 |
| Noncurrent assets plus other real estate owned to assets | 1.0916% | 4,499 |
| Noncurrent loans to loans | 1.7780% | 3,597 |
| Net loans and leases to total assets | 53.8028% | 6,486 |
| Net loans and leases to deposits | 60.6362% | 6,840 |
| Net loans and leases to core deposits | 67.7776% | 7,148 |
| Total domestic deposits to total assets | 88.7305% | 1,367 |
| Equity capital to assets | 10.9043% | 3,065 |
| Core capital (leverage) ratio | 12.0749% | 1,868 |
| Tier 1 risk-based capital ratio | 24.5284% | 1,020 |
| Total risk-based capital ratio | 25.0710% | 1,078 |
| Memoranda: | ||
| Average total assets | $77,968,000 | 5,889 |
| Average earning assets | $72,423,000 | 5,827 |
| Average equity | $8,673,000 | 5,822 |
| Average total loans | $43,565,500 | 6,071 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6935% | 6,799 |
| Cost of funding earning assets | 2.9960% | 1,881 |
| Net interest margin | 2.6975% | 7,501 |
| Noninterest income to average assets | 0.1186% | 7,530 |
| Noninterest expense to average assets | 2.3191% | 6,644 |
| Loan and lease loss provision to assets | 0.0490% | 6,798 |
| Net operating income to assets | 0.1771% | 5,919 |
| Return on assets (ROA) | -0.5427% | 6,839 |
| Pretax return on assets | -0.8405% | 6,905 |
| Return on Equity (ROE) | -4.4667% | 6,806 |
| Retained earnings to average equity (ytd only) | -4.4667% | 6,411 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.0137% | 1,678 |
| Assets per employee ($millions) | 5.1189% | 1,812 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4602% | 7,903 |
| Loan loss allowance to noncurrent loans | 33.9434% | 6,462 |
| Noncurrent assets plus other real estate owned to assets | 0.9169% | 4,550 |
| Noncurrent loans to loans | 1.3558% | 3,809 |
| Net loans and leases to total assets | 57.4664% | 6,274 |
| Net loans and leases to deposits | 65.0236% | 6,715 |
| Net loans and leases to core deposits | 72.2851% | 7,062 |
| Total domestic deposits to total assets | 88.3778% | 1,302 |
| Equity capital to assets | 11.3500% | 2,752 |
| Core capital (leverage) ratio | 12.3752% | 1,797 |
| Tier 1 risk-based capital ratio | 28.7496% | 715 |
| Total risk-based capital ratio | 29.3552% | 739 |
| Memoranda: | ||
| Average total assets | $77,573,800 | 5,788 |
| Average earning assets | $72,363,400 | 5,728 |
| Average equity | $9,425,400 | 5,596 |
| Average total loans | $43,883,400 | 5,988 |