Home > First Federal Savings and Loan Association of Pekin > Performance and Condition Ratios
First Federal Savings and Loan Association of Pekin, Performance and Condition Ratios
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5582% | 632 |
| Cost of funding earning assets | 1.2361% | 693 |
| Net interest margin | 4.3221% | 1,419 |
| Noninterest income to average assets | 0.1801% | 6,277 |
| Noninterest expense to average assets | 4.1873% | 742 |
| Loan and lease loss provision to assets | 0.1801% | 3,299 |
| Net operating income to assets | -0.2777% | 6,599 |
| Return on assets (ROA) | -0.2551% | 6,645 |
| Pretax return on assets | -0.2551% | 6,616 |
| Return on Equity (ROE) | -3.2412% | 6,690 |
| Retained earnings to average equity (ytd only) | -3.2412% | 6,493 |
| 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 | 102.3853% | 480 |
| Assets per employee ($millions) | 2.6046% | 6,648 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9926% | 6,188 |
| Loan loss allowance to noncurrent loans | 119.6629% | 2,735 |
| Noncurrent assets plus other real estate owned to assets | 1.4974% | 3,458 |
| Noncurrent loans to loans | 0.8295% | 4,861 |
| Net loans and leases to total assets | 81.5711% | 367 |
| Net loans and leases to deposits | 100.9024% | 387 |
| Net loans and leases to core deposits | 102.1344% | 974 |
| Total domestic deposits to total assets | 80.8416% | 5,522 |
| Equity capital to assets | 8.0204% | 6,553 |
| Core capital (leverage) ratio | 7.9604% | 6,313 |
| Tier 1 risk-based capital ratio | 13.8651% | 4,544 |
| Total risk-based capital ratio | 15.1164% | 4,520 |
| Memoranda: | ||
| Average total assets | $26,652,000 | 6,974 |
| Average earning assets | $24,108,670 | 6,957 |
| Average equity | $2,098,000 | 7,080 |
| Average total loans | $21,916,670 | 6,471 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5447% | 700 |
| Cost of funding earning assets | 1.2631% | 734 |
| Net interest margin | 4.2816% | 1,529 |
| Noninterest income to average assets | 0.1781% | 6,315 |
| Noninterest expense to average assets | 4.5557% | 527 |
| Loan and lease loss provision to assets | 0.1781% | 3,188 |
| Net operating income to assets | -0.6826% | 6,906 |
| Return on assets (ROA) | -0.6381% | 6,913 |
| Pretax return on assets | -0.6381% | 6,882 |
| Return on Equity (ROE) | -8.1807% | 6,955 |
| Retained earnings to average equity (ytd only) | -8.1807% | 6,771 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 112.4542% | 309 |
| Assets per employee ($millions) | 3.0079% | 6,138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9138% | 6,504 |
| Loan loss allowance to noncurrent loans | 112.2905% | 2,768 |
| Noncurrent assets plus other real estate owned to assets | 1.4444% | 3,700 |
| Noncurrent loans to loans | 0.8137% | 5,047 |
| Net loans and leases to total assets | 80.5142% | 365 |
| Net loans and leases to deposits | 98.8570% | 411 |
| Net loans and leases to core deposits | 100.0046% | 987 |
| Total domestic deposits to total assets | 81.4451% | 5,483 |
| Equity capital to assets | 7.6835% | 6,702 |
| Core capital (leverage) ratio | 7.6255% | 6,556 |
| Tier 1 risk-based capital ratio | 14.2099% | 4,306 |
| Total risk-based capital ratio | 15.4636% | 4,283 |
| Memoranda: | ||
| Average total assets | $26,955,000 | 7,027 |
| Average earning assets | $24,383,500 | 7,006 |
| Average equity | $2,102,500 | 7,132 |
| Average total loans | $22,145,500 | 6,503 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7075% | 769 |
| Cost of funding earning assets | 1.4851% | 757 |
| Net interest margin | 4.2224% | 1,986 |
| Noninterest income to average assets | 0.1908% | 6,137 |
| Noninterest expense to average assets | 3.4488% | 2,122 |
| Loan and lease loss provision to assets | 0.1728% | 4,469 |
| Net operating income to assets | 0.1980% | 5,597 |
| Return on assets (ROA) | 0.1980% | 5,727 |
| Pretax return on assets | 0.4176% | 5,235 |
| Return on Equity (ROE) | 2.7241% | 5,397 |
| Retained earnings to average equity (ytd only) | 2.7241% | 4,295 |
| Net charge-offs to loans | 0.0085% | 6,312 |
| Credit loss provision to net charge-offs | 2,400.0000% | 91 |
| Earnings coverage of net charge-offs (x) | 82.0000% | 357 |
| Efficiency ratio | 85.3832% | 1,634 |
| Assets per employee ($millions) | 2.6839% | 6,628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8522% | 6,639 |
| Loan loss allowance to noncurrent loans | 422.2222% | 804 |
| Noncurrent assets plus other real estate owned to assets | 0.8905% | 4,835 |
| Noncurrent loans to loans | 0.2018% | 6,345 |
| Net loans and leases to total assets | 82.3578% | 316 |
| Net loans and leases to deposits | 103.8673% | 312 |
| Net loans and leases to core deposits | 105.1120% | 837 |
| Total domestic deposits to total assets | 79.2913% | 5,922 |
| Equity capital to assets | 7.9176% | 6,620 |
| Core capital (leverage) ratio | 7.8526% | 6,400 |
| Tier 1 risk-based capital ratio | 14.7510% | 3,794 |
| Total risk-based capital ratio | 15.9908% | 3,773 |
| Memoranda: | ||
| Average total assets | $27,778,000 | 7,031 |
| Average earning assets | $25,317,600 | 7,004 |
| Average equity | $2,019,000 | 7,205 |
| Average total loans | $23,427,200 | 6,494 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7104% | 837 |
| Cost of funding earning assets | 1.5228% | 789 |
| Net interest margin | 4.1877% | 2,151 |
| Noninterest income to average assets | 0.1475% | 6,517 |
| Noninterest expense to average assets | 3.2365% | 2,712 |
| Loan and lease loss provision to assets | 0.1714% | 4,324 |
| Net operating income to assets | 0.5616% | 4,263 |
| Return on assets (ROA) | 0.5616% | 4,433 |
| Pretax return on assets | 0.5616% | 4,927 |
| Return on Equity (ROE) | 7.8961% | 3,081 |
| Retained earnings to average equity (ytd only) | 7.8961% | 1,543 |
| Net charge-offs to loans | 0.0113% | 5,994 |
| Credit loss provision to net charge-offs | 1,800.0000% | 150 |
| Earnings coverage of net charge-offs (x) | 76.9026% | 451 |
| Efficiency ratio | 81.5348% | 2,036 |
| Assets per employee ($millions) | 2.7495% | 6,575 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7708% | 6,862 |
| Loan loss allowance to noncurrent loans | 1,186.6667% | 311 |
| Noncurrent assets plus other real estate owned to assets | 0.7601% | 5,253 |
| Noncurrent loans to loans | 0.0650% | 6,765 |
| Net loans and leases to total assets | 83.3461% | 266 |
| Net loans and leases to deposits | 103.8662% | 322 |
| Net loans and leases to core deposits | 105.0614% | 914 |
| Total domestic deposits to total assets | 80.2437% | 5,660 |
| Equity capital to assets | 7.4668% | 6,940 |
| Core capital (leverage) ratio | 7.4668% | 6,780 |
| Tier 1 risk-based capital ratio | 14.0271% | 4,338 |
| Total risk-based capital ratio | 15.2432% | 4,331 |
| Memoranda: | ||
| Average total assets | $28,012,750 | 7,093 |
| Average earning assets | $25,566,500 | 7,069 |
| Average equity | $1,992,500 | 7,282 |
| Average total loans | $23,710,500 | 6,547 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7178% | 847 |
| Cost of funding earning assets | 1.5693% | 793 |
| Net interest margin | 4.1485% | 2,234 |
| Noninterest income to average assets | 0.1490% | 6,578 |
| Noninterest expense to average assets | 3.2215% | 2,830 |
| Loan and lease loss provision to assets | 0.1703% | 4,230 |
| Net operating income to assets | 0.5464% | 4,321 |
| Return on assets (ROA) | 0.5464% | 4,458 |
| Pretax return on assets | 0.5464% | 4,917 |
| Return on Equity (ROE) | 7.8080% | 3,037 |
| Retained earnings to average equity (ytd only) | 7.8080% | 1,527 |
| Net charge-offs to loans | 0.0167% | 5,606 |
| Credit loss provision to net charge-offs | 1,200.0000% | 281 |
| Earnings coverage of net charge-offs (x) | 50.5000% | 620 |
| Efficiency ratio | 81.8018% | 2,128 |
| Assets per employee ($millions) | 2.7550% | 6,548 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6278% | 7,108 |
| Loan loss allowance to noncurrent loans | 700.0000% | 503 |
| Noncurrent assets plus other real estate owned to assets | 0.8167% | 5,248 |
| Noncurrent loans to loans | 0.0897% | 6,758 |
| Net loans and leases to total assets | 84.4537% | 219 |
| Net loans and leases to deposits | 104.8346% | 292 |
| Net loans and leases to core deposits | 104.8346% | 997 |
| Total domestic deposits to total assets | 80.5590% | 5,670 |
| Equity capital to assets | 7.2958% | 7,030 |
| Core capital (leverage) ratio | 7.3020% | 6,863 |
| Tier 1 risk-based capital ratio | 13.5799% | 4,471 |
| Total risk-based capital ratio | 14.5721% | 4,652 |
| Memoranda: | ||
| Average total assets | $28,185,330 | 7,153 |
| Average earning assets | $25,744,330 | 7,130 |
| Average equity | $1,972,330 | 7,351 |
| Average total loans | $23,916,000 | 6,597 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7239% | 841 |
| Cost of funding earning assets | 1.6420% | 696 |
| Net interest margin | 4.0819% | 2,339 |
| Noninterest income to average assets | 0.1965% | 6,315 |
| Noninterest expense to average assets | 3.1576% | 3,039 |
| Loan and lease loss provision to assets | 0.1684% | 3,942 |
| Net operating income to assets | 0.6034% | 4,018 |
| Return on assets (ROA) | 0.6034% | 4,082 |
| Pretax return on assets | 0.6034% | 4,671 |
| Return on Equity (ROE) | 8.8047% | 2,554 |
| Retained earnings to average equity (ytd only) | 8.8047% | 1,450 |
| Net charge-offs to loans | 0.0331% | 4,632 |
| Credit loss provision to net charge-offs | 600.0000% | 616 |
| Earnings coverage of net charge-offs (x) | 27.5000% | 896 |
| Efficiency ratio | 80.3571% | 2,463 |
| Assets per employee ($millions) | 2.8504% | 6,444 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6396% | 7,156 |
| Loan loss allowance to noncurrent loans | 1,026.6667% | 372 |
| Noncurrent assets plus other real estate owned to assets | 0.8385% | 5,231 |
| Noncurrent loans to loans | 0.0623% | 6,893 |
| Net loans and leases to total assets | 83.9321% | 232 |
| Net loans and leases to deposits | 103.3389% | 335 |
| Net loans and leases to core deposits | 103.3389% | 1,106 |
| Total domestic deposits to total assets | 81.2202% | 5,601 |
| Equity capital to assets | 6.9253% | 7,102 |
| Core capital (leverage) ratio | 6.9377% | 7,032 |
| Tier 1 risk-based capital ratio | 12.9095% | 4,887 |
| Total risk-based capital ratio | 13.9146% | 5,077 |
| Memoranda: | ||
| Average total assets | $28,503,000 | 7,198 |
| Average earning assets | $26,066,000 | 7,171 |
| Average equity | $1,953,500 | 7,401 |
| Average total loans | $24,167,000 | 6,638 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8252% | 1,212 |
| Cost of funding earning assets | 1.9316% | 761 |
| Net interest margin | 3.8936% | 3,520 |
| Noninterest income to average assets | 0.1841% | 6,440 |
| Noninterest expense to average assets | 3.1301% | 3,345 |
| Loan and lease loss provision to assets | 0.2918% | 4,460 |
| Net operating income to assets | 0.2362% | 5,154 |
| Return on assets (ROA) | 0.1668% | 5,541 |
| Pretax return on assets | 0.2258% | 5,425 |
| Return on Equity (ROE) | 2.5071% | 5,176 |
| Retained earnings to average equity (ytd only) | 2.5071% | 4,115 |
| Net charge-offs to loans | 0.1826% | 5,213 |
| Credit loss provision to net charge-offs | 190.9091% | 1,686 |
| Earnings coverage of net charge-offs (x) | 4.0000% | 3,108 |
| Efficiency ratio | 83.6583% | 1,959 |
| Assets per employee ($millions) | 3.1669% | 5,739 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5937% | 7,273 |
| Loan loss allowance to noncurrent loans | 180.0000% | 1,661 |
| Noncurrent assets plus other real estate owned to assets | 1.0666% | 4,875 |
| Noncurrent loans to loans | 0.3298% | 6,394 |
| Net loans and leases to total assets | 84.5976% | 260 |
| Net loans and leases to deposits | 104.0656% | 397 |
| Net loans and leases to core deposits | 105.5692% | 1,217 |
| Total domestic deposits to total assets | 81.2925% | 5,423 |
| Equity capital to assets | 6.7820% | 7,181 |
| Core capital (leverage) ratio | 6.7943% | 7,109 |
| Tier 1 risk-based capital ratio | 12.5323% | 4,998 |
| Total risk-based capital ratio | 13.4640% | 5,256 |
| Memoranda: | ||
| Average total assets | $28,785,000 | 7,249 |
| Average earning assets | $26,299,600 | 7,215 |
| Average equity | $1,914,600 | 7,516 |
| Average total loans | $24,094,200 | 6,726 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7139% | 1,671 |
| Cost of funding earning assets | 1.9890% | 780 |
| Net interest margin | 3.7249% | 4,288 |
| Noninterest income to average assets | 0.1802% | 6,590 |
| Noninterest expense to average assets | 2.8694% | 4,208 |
| Loan and lease loss provision to assets | 0.1016% | 6,005 |
| Net operating income to assets | 0.4551% | 4,522 |
| Return on assets (ROA) | 0.3650% | 5,088 |
| Pretax return on assets | 0.4898% | 4,960 |
| Return on Equity (ROE) | 5.5147% | 4,036 |
| Retained earnings to average equity (ytd only) | 5.5147% | 2,640 |
| Net charge-offs to loans | 0.0499% | 6,025 |
| Credit loss provision to net charge-offs | 244.4444% | 1,373 |
| Earnings coverage of net charge-offs (x) | 17.1108% | 1,343 |
| Efficiency ratio | 80.1290% | 2,319 |
| Assets per employee ($millions) | 2.9394% | 6,288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4736% | 7,481 |
| Loan loss allowance to noncurrent loans | 70.0599% | 3,814 |
| Noncurrent assets plus other real estate owned to assets | 1.4357% | 4,302 |
| Noncurrent loans to loans | 0.6760% | 5,853 |
| Net loans and leases to total assets | 83.6463% | 355 |
| Net loans and leases to deposits | 100.9609% | 587 |
| Net loans and leases to core deposits | 100.9609% | 1,753 |
| Total domestic deposits to total assets | 82.8502% | 4,653 |
| Equity capital to assets | 6.6986% | 7,396 |
| Core capital (leverage) ratio | 6.6508% | 7,295 |
| Tier 1 risk-based capital ratio | 12.3561% | 5,111 |
| Total risk-based capital ratio | 13.0960% | 5,572 |
| Memoranda: | ||
| Average total assets | $28,855,750 | 7,338 |
| Average earning assets | $26,344,500 | 7,307 |
| Average equity | $1,910,000 | 7,616 |
| Average total loans | $24,053,750 | 6,820 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6090% | 2,108 |
| Cost of funding earning assets | 2.0681% | 736 |
| Net interest margin | 3.5409% | 5,088 |
| Noninterest income to average assets | 0.2441% | 6,164 |
| Noninterest expense to average assets | 2.9362% | 3,935 |
| Loan and lease loss provision to assets | 0.0837% | 6,091 |
| Net operating income to assets | 0.3222% | 5,097 |
| Return on assets (ROA) | 0.1953% | 5,705 |
| Pretax return on assets | 0.2790% | 5,565 |
| Return on Equity (ROE) | 2.9624% | 5,246 |
| Retained earnings to average equity (ytd only) | 2.9624% | 4,237 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.3687% | 1,879 |
| Assets per employee ($millions) | 2.8309% | 6,508 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4919% | 7,516 |
| Loan loss allowance to noncurrent loans | 16.1507% | 7,109 |
| Noncurrent assets plus other real estate owned to assets | 2.7659% | 2,613 |
| Noncurrent loans to loans | 3.0457% | 2,644 |
| Net loans and leases to total assets | 85.7501% | 244 |
| Net loans and leases to deposits | 103.9704% | 484 |
| Net loans and leases to core deposits | 103.9704% | 1,645 |
| Total domestic deposits to total assets | 82.4755% | 4,790 |
| Equity capital to assets | 6.7576% | 7,422 |
| Core capital (leverage) ratio | 6.7173% | 7,315 |
| Tier 1 risk-based capital ratio | 11.8119% | 5,481 |
| Total risk-based capital ratio | 12.5575% | 5,921 |
| Memoranda: | ||
| Average total assets | $28,676,330 | 7,398 |
| Average earning assets | $26,207,670 | 7,361 |
| Average equity | $1,890,330 | 7,683 |
| Average total loans | $23,837,000 | 6,874 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6046% | 2,130 |
| Cost of funding earning assets | 2.1568% | 676 |
| Net interest margin | 3.4478% | 5,381 |
| Noninterest income to average assets | 0.2356% | 6,267 |
| Noninterest expense to average assets | 2.9660% | 3,801 |
| Loan and lease loss provision to assets | 0.0693% | 5,942 |
| Net operating income to assets | 0.3465% | 5,096 |
| Return on assets (ROA) | -0.0139% | 6,418 |
| Pretax return on assets | -0.0139% | 6,377 |
| Return on Equity (ROE) | -0.2129% | 6,434 |
| Retained earnings to average equity (ytd only) | -0.2129% | 5,879 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.7049% | 1,620 |
| Assets per employee ($millions) | 2.8541% | 6,527 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4767% | 7,609 |
| Loan loss allowance to noncurrent loans | 19.6522% | 7,033 |
| Noncurrent assets plus other real estate owned to assets | 2.4281% | 2,990 |
| Noncurrent loans to loans | 2.4254% | 3,248 |
| Net loans and leases to total assets | 82.6670% | 515 |
| Net loans and leases to deposits | 97.8476% | 921 |
| Net loans and leases to core deposits | 97.8476% | 2,361 |
| Total domestic deposits to total assets | 84.4855% | 3,900 |
| Equity capital to assets | 6.5835% | 7,508 |
| Core capital (leverage) ratio | 6.5499% | 7,447 |
| Tier 1 risk-based capital ratio | 11.4410% | 5,726 |
| Total risk-based capital ratio | 12.1327% | 6,243 |
| Memoranda: | ||
| Average total assets | $28,860,000 | 7,484 |
| Average earning assets | $26,335,500 | 7,451 |
| Average equity | $1,879,000 | 7,769 |
| Average total loans | $23,558,000 | 6,968 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4875% | 4,212 |
| Cost of funding earning assets | 2.6223% | 729 |
| Net interest margin | 2.8652% | 6,930 |
| Noninterest income to average assets | 0.4669% | 4,673 |
| Noninterest expense to average assets | 2.7806% | 5,046 |
| Loan and lease loss provision to assets | 0.1812% | 5,886 |
| Net operating income to assets | 0.0906% | 5,235 |
| Return on assets (ROA) | -0.1359% | 5,731 |
| Pretax return on assets | -0.0906% | 5,589 |
| Return on Equity (ROE) | -2.1433% | 5,878 |
| Retained earnings to average equity (ytd only) | -2.1433% | 5,546 |
| Net charge-offs to loans | 0.1881% | 5,481 |
| Credit loss provision to net charge-offs | 123.8095% | 4,251 |
| Earnings coverage of net charge-offs (x) | 2.1667% | 4,097 |
| Efficiency ratio | 89.7638% | 1,720 |
| Assets per employee ($millions) | 2.9179% | 6,420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4443% | 7,717 |
| Loan loss allowance to noncurrent loans | 12.3662% | 7,325 |
| Noncurrent assets plus other real estate owned to assets | 3.3689% | 2,020 |
| Noncurrent loans to loans | 3.5926% | 2,106 |
| Net loans and leases to total assets | 79.8691% | 1,015 |
| Net loans and leases to deposits | 94.2035% | 1,569 |
| Net loans and leases to core deposits | 120.2094% | 1,936 |
| Total domestic deposits to total assets | 84.7836% | 3,663 |
| Equity capital to assets | 6.4396% | 7,573 |
| Core capital (leverage) ratio | 6.4064% | 7,525 |
| Tier 1 risk-based capital ratio | 11.2455% | 5,672 |
| Total risk-based capital ratio | 11.8712% | 6,253 |
| Memoranda: | ||
| Average total assets | $28,698,600 | 7,516 |
| Average earning assets | $26,351,000 | 7,490 |
| Average equity | $1,819,600 | 7,871 |
| Average total loans | $22,325,600 | 7,072 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5037% | 4,398 |
| Cost of funding earning assets | 2.7087% | 775 |
| Net interest margin | 2.7950% | 7,071 |
| Noninterest income to average assets | 0.5132% | 4,380 |
| Noninterest expense to average assets | 2.7013% | 5,320 |
| Loan and lease loss provision to assets | 0.1726% | 5,637 |
| Net operating income to assets | 0.2146% | 5,105 |
| Return on assets (ROA) | 0.0233% | 5,710 |
| Pretax return on assets | 0.0187% | 5,668 |
| Return on Equity (ROE) | 0.3696% | 5,666 |
| Retained earnings to average equity (ytd only) | 0.3696% | 5,043 |
| Net charge-offs to loans | 0.1693% | 5,039 |
| Credit loss provision to net charge-offs | 132.1429% | 3,787 |
| Earnings coverage of net charge-offs (x) | 2.9287% | 3,765 |
| Efficiency ratio | 87.5946% | 1,910 |
| Assets per employee ($millions) | 2.5844% | 7,081 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4508% | 7,765 |
| Loan loss allowance to noncurrent loans | 15.3502% | 7,316 |
| Noncurrent assets plus other real estate owned to assets | 2.9197% | 2,376 |
| Noncurrent loans to loans | 2.9369% | 2,594 |
| Net loans and leases to total assets | 80.0056% | 1,165 |
| Net loans and leases to deposits | 94.9487% | 1,720 |
| Net loans and leases to core deposits | 115.6514% | 2,660 |
| Total domestic deposits to total assets | 84.2620% | 3,597 |
| Equity capital to assets | 6.7680% | 7,684 |
| Core capital (leverage) ratio | 6.5833% | 7,637 |
| Tier 1 risk-based capital ratio | 11.3819% | 5,554 |
| Total risk-based capital ratio | 12.0095% | 6,163 |
| Memoranda: | ||
| Average total assets | $28,578,500 | 7,587 |
| Average earning assets | $26,284,750 | 7,561 |
| Average equity | $1,804,750 | 7,955 |
| Average total loans | $22,054,750 | 7,144 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5258% | 4,474 |
| Cost of funding earning assets | 2.8236% | 735 |
| Net interest margin | 2.7022% | 7,192 |
| Noninterest income to average assets | 0.4890% | 4,541 |
| Noninterest expense to average assets | 2.7245% | 5,278 |
| Loan and lease loss provision to assets | 0.2096% | 4,947 |
| Net operating income to assets | 0.0423% | 5,723 |
| Return on assets (ROA) | -0.2794% | 6,319 |
| Pretax return on assets | -0.2864% | 6,223 |
| Return on Equity (ROE) | -4.5326% | 6,555 |
| Retained earnings to average equity (ytd only) | -4.5326% | 6,227 |
| Net charge-offs to loans | 0.2570% | 3,905 |
| Credit loss provision to net charge-offs | 107.1429% | 4,303 |
| Earnings coverage of net charge-offs (x) | 1.2857% | 4,560 |
| Efficiency ratio | 91.5493% | 1,675 |
| Assets per employee ($millions) | 2.5500% | 7,144 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4433% | 7,851 |
| Loan loss allowance to noncurrent loans | 16.6667% | 7,303 |
| Noncurrent assets plus other real estate owned to assets | 2.1961% | 2,941 |
| Noncurrent loans to loans | 2.6598% | 2,715 |
| Net loans and leases to total assets | 76.8627% | 1,977 |
| Net loans and leases to deposits | 91.0588% | 2,641 |
| Net loans and leases to core deposits | 110.8882% | 3,271 |
| Total domestic deposits to total assets | 84.4100% | 3,550 |
| Equity capital to assets | 6.5169% | 7,814 |
| Core capital (leverage) ratio | 6.6596% | 7,719 |
| Tier 1 risk-based capital ratio | 11.7629% | 5,135 |
| Total risk-based capital ratio | 12.3658% | 5,679 |
| Memoranda: | ||
| Average total assets | $28,628,670 | 7,660 |
| Average earning assets | $26,349,000 | 7,625 |
| Average equity | $1,765,000 | 8,049 |
| Average total loans | $21,790,670 | 7,227 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5716% | 4,517 |
| Cost of funding earning assets | 2.9285% | 720 |
| Net interest margin | 2.6431% | 7,307 |
| Noninterest income to average assets | 0.3873% | 5,321 |
| Noninterest expense to average assets | 2.5175% | 5,775 |
| Loan and lease loss provision to assets | 0.2490% | 3,977 |
| Net operating income to assets | 0.0553% | 6,108 |
| Return on assets (ROA) | 0.0415% | 6,299 |
| Pretax return on assets | 0.0415% | 6,295 |
| Return on Equity (ROE) | 0.6922% | 6,225 |
| Retained earnings to average equity (ytd only) | 0.6922% | 5,382 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.2157% | 1,787 |
| Assets per employee ($millions) | 2.6703% | 6,944 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5124% | 7,809 |
| Loan loss allowance to noncurrent loans | 20.6262% | 7,132 |
| Noncurrent assets plus other real estate owned to assets | 1.9269% | 3,014 |
| Noncurrent loans to loans | 2.4844% | 2,647 |
| Net loans and leases to total assets | 74.0272% | 2,747 |
| Net loans and leases to deposits | 86.7504% | 3,516 |
| Net loans and leases to core deposits | 105.6047% | 3,955 |
| Total domestic deposits to total assets | 85.3335% | 3,042 |
| Equity capital to assets | 5.8012% | 8,031 |
| Core capital (leverage) ratio | 6.3073% | 7,944 |
| Tier 1 risk-based capital ratio | 11.2272% | 5,670 |
| Total risk-based capital ratio | 11.8996% | 6,154 |
| Memoranda: | ||
| Average total assets | $28,918,000 | 7,693 |
| Average earning assets | $26,635,000 | 7,657 |
| Average equity | $1,733,500 | 8,107 |
| Average total loans | $21,858,000 | 7,257 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9567% | 5,775 |
| Cost of funding earning assets | 3.4295% | 653 |
| Net interest margin | 2.5272% | 7,725 |
| Noninterest income to average assets | 0.2690% | 6,530 |
| Noninterest expense to average assets | 2.8685% | 4,542 |
| Loan and lease loss provision to assets | 0.3284% | 3,763 |
| Net operating income to assets | -0.5695% | 6,982 |
| Return on assets (ROA) | -0.5590% | 6,853 |
| Pretax return on assets | -0.5590% | 6,697 |
| Return on Equity (ROE) | -8.4782% | 7,158 |
| Retained earnings to average equity (ytd only) | -8.4782% | 6,925 |
| Net charge-offs to loans | 0.0191% | 6,594 |
| Credit loss provision to net charge-offs | 2,350.0000% | 197 |
| Earnings coverage of net charge-offs (x) | -17.2500% | 6,935 |
| Efficiency ratio | 109.1755% | 727 |
| Assets per employee ($millions) | 2.8463% | 6,458 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4666% | 7,894 |
| Loan loss allowance to noncurrent loans | 39.5349% | 6,083 |
| Noncurrent assets plus other real estate owned to assets | 1.0118% | 4,298 |
| Noncurrent loans to loans | 1.1802% | 4,158 |
| Net loans and leases to total assets | 76.4431% | 2,513 |
| Net loans and leases to deposits | 88.6381% | 3,696 |
| Net loans and leases to core deposits | 105.3707% | 4,259 |
| Total domestic deposits to total assets | 86.2418% | 2,293 |
| Equity capital to assets | 6.1940% | 8,020 |
| Core capital (leverage) ratio | 6.5541% | 7,913 |
| Tier 1 risk-based capital ratio | 11.4331% | 5,306 |
| Total risk-based capital ratio | 12.0541% | 5,811 |
| Memoranda: | ||
| Average total assets | $28,620,800 | 7,699 |
| Average earning assets | $26,709,400 | 7,669 |
| Average equity | $1,887,200 | 8,144 |
| Average total loans | $20,916,200 | 7,266 |