Home > First Federal Savings Bank > Performance and Condition Ratios
First Federal Savings Bank, 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 | 4.8789% | 2,193 |
| Cost of funding earning assets | 0.9245% | 2,230 |
| Net interest margin | 3.9544% | 2,703 |
| Noninterest income to average assets | 0.3890% | 4,732 |
| Noninterest expense to average assets | 2.8946% | 3,642 |
| Loan and lease loss provision to assets | 0.0418% | 5,150 |
| Net operating income to assets | 0.7446% | 3,630 |
| Return on assets (ROA) | 0.7446% | 3,905 |
| Pretax return on assets | 1.0667% | 3,437 |
| Return on Equity (ROE) | 4.4056% | 5,090 |
| Retained earnings to average equity (ytd only) | 4.4056% | 3,679 |
| Net charge-offs to loans | 0.0419% | 4,791 |
| Credit loss provision to net charge-offs | 166.6667% | 1,669 |
| Earnings coverage of net charge-offs (x) | 44.1667% | 814 |
| Efficiency ratio | 72.3093% | 3,373 |
| Assets per employee ($millions) | 3.0045% | 6,060 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7356% | 6,784 |
| Loan loss allowance to noncurrent loans | 82.0513% | 3,720 |
| Noncurrent assets plus other real estate owned to assets | 0.6886% | 5,055 |
| Noncurrent loans to loans | 0.8965% | 4,703 |
| Net loans and leases to total assets | 62.8828% | 3,253 |
| Net loans and leases to deposits | 77.5301% | 2,745 |
| Net loans and leases to core deposits | 78.2527% | 3,476 |
| Total domestic deposits to total assets | 81.1075% | 5,433 |
| Equity capital to assets | 16.5606% | 501 |
| Core capital (leverage) ratio | 16.0401% | 455 |
| Tier 1 risk-based capital ratio | 29.1203% | 563 |
| Total risk-based capital ratio | 29.9715% | 576 |
| Memoranda: | ||
| Average total assets | $47,812,670 | 6,387 |
| Average earning assets | $43,698,000 | 6,356 |
| Average equity | $8,080,670 | 5,541 |
| Average total loans | $28,659,000 | 6,127 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7961% | 2,657 |
| Cost of funding earning assets | 0.9446% | 2,342 |
| Net interest margin | 3.8516% | 3,134 |
| Noninterest income to average assets | 0.3188% | 5,324 |
| Noninterest expense to average assets | 2.8186% | 3,948 |
| Loan and lease loss provision to assets | 0.0503% | 4,782 |
| Net operating income to assets | 0.6795% | 3,983 |
| Return on assets (ROA) | 0.6795% | 4,201 |
| Pretax return on assets | 0.9731% | 3,783 |
| Return on Equity (ROE) | 3.9801% | 5,300 |
| Retained earnings to average equity (ytd only) | 3.9801% | 4,195 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3624% | 3,193 |
| Assets per employee ($millions) | 3.0192% | 6,113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7999% | 6,743 |
| Loan loss allowance to noncurrent loans | 67.2619% | 4,158 |
| Noncurrent assets plus other real estate owned to assets | 0.8591% | 4,806 |
| Noncurrent loans to loans | 1.1893% | 4,346 |
| Net loans and leases to total assets | 58.0185% | 4,033 |
| Net loans and leases to deposits | 73.5038% | 3,194 |
| Net loans and leases to core deposits | 74.2005% | 3,877 |
| Total domestic deposits to total assets | 78.9327% | 6,094 |
| Equity capital to assets | 16.9189% | 435 |
| Core capital (leverage) ratio | 16.1281% | 446 |
| Tier 1 risk-based capital ratio | 35.5156% | 326 |
| Total risk-based capital ratio | 36.5360% | 324 |
| Memoranda: | ||
| Average total assets | $47,683,000 | 6,442 |
| Average earning assets | $43,618,500 | 6,405 |
| Average equity | $8,140,500 | 5,552 |
| Average total loans | $27,762,000 | 6,207 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9041% | 3,332 |
| Cost of funding earning assets | 1.1515% | 2,345 |
| Net interest margin | 3.7526% | 4,067 |
| Noninterest income to average assets | 0.5205% | 3,717 |
| Noninterest expense to average assets | 2.9931% | 3,618 |
| Loan and lease loss provision to assets | -0.0334% | 7,235 |
| Net operating income to assets | 0.6270% | 3,847 |
| Return on assets (ROA) | 0.6270% | 4,048 |
| Pretax return on assets | 0.9803% | 3,316 |
| Return on Equity (ROE) | 3.7941% | 4,952 |
| Retained earnings to average equity (ytd only) | 3.7941% | 3,516 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9682% | 2,894 |
| Assets per employee ($millions) | 2.7682% | 6,505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7957% | 6,754 |
| Loan loss allowance to noncurrent loans | 60.4457% | 4,480 |
| Noncurrent assets plus other real estate owned to assets | 0.7629% | 5,113 |
| Noncurrent loans to loans | 1.3164% | 4,174 |
| Net loans and leases to total assets | 57.4895% | 4,465 |
| Net loans and leases to deposits | 73.1407% | 3,641 |
| Net loans and leases to core deposits | 73.1407% | 4,361 |
| Total domestic deposits to total assets | 78.6013% | 6,074 |
| Equity capital to assets | 17.2294% | 423 |
| Core capital (leverage) ratio | 16.7168% | 389 |
| Tier 1 risk-based capital ratio | 38.6199% | 257 |
| Total risk-based capital ratio | 39.6964% | 255 |
| Memoranda: | ||
| Average total assets | $47,843,200 | 6,431 |
| Average earning assets | $43,596,000 | 6,398 |
| Average equity | $7,907,000 | 5,594 |
| Average total loans | $26,912,200 | 6,304 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8991% | 3,559 |
| Cost of funding earning assets | 1.1951% | 2,347 |
| Net interest margin | 3.7041% | 4,313 |
| Noninterest income to average assets | 0.5662% | 3,401 |
| Noninterest expense to average assets | 3.0308% | 3,434 |
| Loan and lease loss provision to assets | -0.0333% | 7,318 |
| Net operating income to assets | 0.5912% | 4,127 |
| Return on assets (ROA) | 0.5912% | 4,310 |
| Pretax return on assets | 0.9409% | 3,616 |
| Return on Equity (ROE) | 3.6146% | 5,167 |
| Retained earnings to average equity (ytd only) | 3.6146% | 4,175 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9556% | 2,682 |
| Assets per employee ($millions) | 2.7791% | 6,523 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8112% | 6,801 |
| Loan loss allowance to noncurrent loans | 62.0787% | 4,364 |
| Noncurrent assets plus other real estate owned to assets | 0.7535% | 5,273 |
| Noncurrent loans to loans | 1.3068% | 4,353 |
| Net loans and leases to total assets | 57.1967% | 4,644 |
| Net loans and leases to deposits | 72.6769% | 3,854 |
| Net loans and leases to core deposits | 72.6769% | 4,626 |
| Total domestic deposits to total assets | 78.6999% | 6,049 |
| Equity capital to assets | 17.0350% | 478 |
| Core capital (leverage) ratio | 16.4790% | 446 |
| Tier 1 risk-based capital ratio | 38.2300% | 282 |
| Total risk-based capital ratio | 39.3276% | 276 |
| Memoranda: | ||
| Average total assets | $48,039,250 | 6,477 |
| Average earning assets | $43,734,500 | 6,452 |
| Average equity | $7,856,750 | 5,643 |
| Average total loans | $26,822,500 | 6,370 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8674% | 3,765 |
| Cost of funding earning assets | 1.2419% | 2,307 |
| Net interest margin | 3.6256% | 4,628 |
| Noninterest income to average assets | 0.6666% | 2,734 |
| Noninterest expense to average assets | 3.1260% | 3,156 |
| Loan and lease loss provision to assets | -0.0248% | 7,385 |
| Net operating income to assets | 0.5465% | 4,320 |
| Return on assets (ROA) | 0.5465% | 4,455 |
| Pretax return on assets | 0.8653% | 3,780 |
| Return on Equity (ROE) | 3.3877% | 5,217 |
| Retained earnings to average equity (ytd only) | 3.3877% | 4,103 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8100% | 2,585 |
| Assets per employee ($millions) | 2.9412% | 6,215 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8495% | 6,773 |
| Loan loss allowance to noncurrent loans | 118.8482% | 2,459 |
| Noncurrent assets plus other real estate owned to assets | 0.4059% | 6,133 |
| Noncurrent loans to loans | 0.7148% | 5,479 |
| Net loans and leases to total assets | 56.2995% | 4,941 |
| Net loans and leases to deposits | 71.3182% | 4,230 |
| Net loans and leases to core deposits | 71.3182% | 4,911 |
| Total domestic deposits to total assets | 78.9413% | 6,103 |
| Equity capital to assets | 16.8406% | 501 |
| Core capital (leverage) ratio | 16.3483% | 468 |
| Tier 1 risk-based capital ratio | 38.1671% | 276 |
| Total risk-based capital ratio | 39.3045% | 266 |
| Memoranda: | ||
| Average total assets | $48,304,330 | 6,533 |
| Average earning assets | $43,965,670 | 6,511 |
| Average equity | $7,793,000 | 5,676 |
| Average total loans | $26,682,330 | 6,440 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7535% | 4,285 |
| Cost of funding earning assets | 1.2939% | 2,215 |
| Net interest margin | 3.4595% | 5,182 |
| Noninterest income to average assets | 0.3434% | 5,171 |
| Noninterest expense to average assets | 2.8532% | 4,254 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.3515% | 5,169 |
| Return on assets (ROA) | 0.3515% | 5,250 |
| Pretax return on assets | 0.6377% | 4,545 |
| Return on Equity (ROE) | 2.2260% | 5,707 |
| Retained earnings to average equity (ytd only) | 2.2260% | 4,811 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7330% | 2,267 |
| Assets per employee ($millions) | 3.0441% | 6,065 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8824% | 6,742 |
| Loan loss allowance to noncurrent loans | 71.4724% | 3,852 |
| Noncurrent assets plus other real estate owned to assets | 0.6693% | 5,622 |
| Noncurrent loans to loans | 1.2346% | 4,622 |
| Net loans and leases to total assets | 53.7378% | 5,339 |
| Net loans and leases to deposits | 70.1050% | 4,331 |
| Net loans and leases to core deposits | 70.1050% | 5,032 |
| Total domestic deposits to total assets | 76.6533% | 6,584 |
| Equity capital to assets | 15.9142% | 589 |
| Core capital (leverage) ratio | 15.5640% | 571 |
| Tier 1 risk-based capital ratio | 36.6487% | 309 |
| Total risk-based capital ratio | 37.7830% | 307 |
| Memoranda: | ||
| Average total assets | $48,927,000 | 6,558 |
| Average earning assets | $44,515,000 | 6,544 |
| Average equity | $7,727,000 | 5,700 |
| Average total loans | $26,663,000 | 6,492 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6534% | 1,740 |
| Cost of funding earning assets | 1.5818% | 2,177 |
| Net interest margin | 4.0716% | 2,700 |
| Noninterest income to average assets | 1.8677% | 445 |
| Noninterest expense to average assets | 4.8078% | 491 |
| Loan and lease loss provision to assets | 0.0425% | 6,738 |
| Net operating income to assets | 0.4564% | 4,283 |
| Return on assets (ROA) | 0.4512% | 4,472 |
| Pretax return on assets | 0.7750% | 3,712 |
| Return on Equity (ROE) | 2.7810% | 5,048 |
| Retained earnings to average equity (ytd only) | -5.6369% | 6,351 |
| Net charge-offs to loans | -0.0832% | 7,488 |
| Credit loss provision to net charge-offs | -87.5000% | 7,023 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.3448% | 1,767 |
| Assets per employee ($millions) | 2.8911% | 6,348 |
| Cash dividends to net income (ytd only)* | 302.6906% | 66 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8655% | 6,809 |
| Loan loss allowance to noncurrent loans | 70.8207% | 3,891 |
| Noncurrent assets plus other real estate owned to assets | 0.6694% | 5,663 |
| Noncurrent loans to loans | 1.2221% | 4,686 |
| Net loans and leases to total assets | 54.2982% | 5,601 |
| Net loans and leases to deposits | 70.4924% | 4,754 |
| Net loans and leases to core deposits | 70.4924% | 5,401 |
| Total domestic deposits to total assets | 77.0270% | 6,474 |
| Equity capital to assets | 15.6728% | 649 |
| Core capital (leverage) ratio | 15.3321% | 611 |
| Tier 1 risk-based capital ratio | 36.0029% | 322 |
| Total risk-based capital ratio | 37.1236% | 314 |
| Memoranda: | ||
| Average total assets | $49,419,800 | 6,561 |
| Average earning assets | $45,707,000 | 6,518 |
| Average equity | $8,018,600 | 5,708 |
| Average total loans | $28,839,200 | 6,452 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9053% | 1,124 |
| Cost of funding earning assets | 1.6164% | 2,299 |
| Net interest margin | 4.2890% | 1,881 |
| Noninterest income to average assets | 2.3979% | 296 |
| Noninterest expense to average assets | 5.5716% | 264 |
| Loan and lease loss provision to assets | 0.0566% | 6,504 |
| Net operating income to assets | 0.4434% | 4,575 |
| Return on assets (ROA) | 0.4365% | 4,777 |
| Pretax return on assets | 0.7409% | 4,115 |
| Return on Equity (ROE) | 2.6674% | 5,362 |
| Retained earnings to average equity (ytd only) | -1.8606% | 6,172 |
| Net charge-offs to loans | 0.0955% | 5,578 |
| Credit loss provision to net charge-offs | 100.0000% | 4,307 |
| Earnings coverage of net charge-offs (x) | 14.2854% | 1,526 |
| Efficiency ratio | 87.3311% | 1,502 |
| Assets per employee ($millions) | 2.7132% | 6,757 |
| Cash dividends to net income (ytd only)* | 169.7579% | 113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6843% | 7,221 |
| Loan loss allowance to noncurrent loans | 67.6259% | 3,938 |
| Noncurrent assets plus other real estate owned to assets | 0.5692% | 6,012 |
| Noncurrent loans to loans | 1.0119% | 5,214 |
| Net loans and leases to total assets | 55.8716% | 5,560 |
| Net loans and leases to deposits | 73.5591% | 4,586 |
| Net loans and leases to core deposits | 73.5591% | 5,348 |
| Total domestic deposits to total assets | 75.9547% | 6,667 |
| Equity capital to assets | 16.6063% | 574 |
| Core capital (leverage) ratio | 16.1640% | 533 |
| Tier 1 risk-based capital ratio | 39.0283% | 267 |
| Total risk-based capital ratio | 39.9661% | 268 |
| Memoranda: | ||
| Average total assets | $49,487,500 | 6,642 |
| Average earning assets | $45,946,000 | 6,591 |
| Average equity | $8,097,500 | 5,758 |
| Average total loans | $29,319,000 | 6,516 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4171% | 395 |
| Cost of funding earning assets | 1.6782% | 2,241 |
| Net interest margin | 4.7389% | 746 |
| Noninterest income to average assets | 3.4605% | 191 |
| Noninterest expense to average assets | 6.9330% | 156 |
| Loan and lease loss provision to assets | 0.0845% | 6,082 |
| Net operating income to assets | 0.4862% | 4,390 |
| Return on assets (ROA) | 0.4708% | 4,618 |
| Pretax return on assets | 0.8048% | 3,861 |
| Return on Equity (ROE) | 2.8913% | 5,284 |
| Retained earnings to average equity (ytd only) | -3.9044% | 6,427 |
| Net charge-offs to loans | 0.1069% | 5,089 |
| Credit loss provision to net charge-offs | 131.2500% | 3,068 |
| Earnings coverage of net charge-offs (x) | 14.1875% | 1,541 |
| Efficiency ratio | 88.3590% | 1,477 |
| Assets per employee ($millions) | 2.7503% | 6,691 |
| Cash dividends to net income (ytd only)* | 235.0427% | 87 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7129% | 7,217 |
| Loan loss allowance to noncurrent loans | 36.6224% | 5,920 |
| Noncurrent assets plus other real estate owned to assets | 1.0645% | 5,009 |
| Noncurrent loans to loans | 1.9467% | 3,800 |
| Net loans and leases to total assets | 54.2935% | 5,955 |
| Net loans and leases to deposits | 71.2869% | 5,107 |
| Net loans and leases to core deposits | 71.2869% | 5,744 |
| Total domestic deposits to total assets | 76.1620% | 6,658 |
| Equity capital to assets | 16.3499% | 618 |
| Core capital (leverage) ratio | 15.8661% | 582 |
| Tier 1 risk-based capital ratio | 34.5288% | 364 |
| Total risk-based capital ratio | 35.3855% | 369 |
| Memoranda: | ||
| Average total assets | $49,704,330 | 6,658 |
| Average earning assets | $46,002,000 | 6,635 |
| Average equity | $8,093,330 | 5,764 |
| Average total loans | $29,934,000 | 6,530 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9561% | 184 |
| Cost of funding earning assets | 1.7563% | 2,095 |
| Net interest margin | 5.1997% | 288 |
| Noninterest income to average assets | 5.0679% | 139 |
| Noninterest expense to average assets | 8.9551% | 97 |
| Loan and lease loss provision to assets | 0.1446% | 5,108 |
| Net operating income to assets | 0.4658% | 4,548 |
| Return on assets (ROA) | 0.4658% | 4,681 |
| Pretax return on assets | 0.7951% | 3,886 |
| Return on Equity (ROE) | 2.8667% | 5,395 |
| Retained earnings to average equity (ytd only) | -10.7253% | 7,000 |
| Net charge-offs to loans | 0.2678% | 3,338 |
| Credit loss provision to net charge-offs | 85.7143% | 3,752 |
| Earnings coverage of net charge-offs (x) | 5.5714% | 2,370 |
| Efficiency ratio | 90.5032% | 1,391 |
| Assets per employee ($millions) | 0.7446% | 7,885 |
| Cash dividends to net income (ytd only)* | 474.1379% | 49 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5854% | 7,518 |
| Loan loss allowance to noncurrent loans | 90.3846% | 3,048 |
| Noncurrent assets plus other real estate owned to assets | 0.4169% | 6,426 |
| Noncurrent loans to loans | 0.6477% | 6,029 |
| Net loans and leases to total assets | 63.9933% | 4,331 |
| Net loans and leases to deposits | 85.3998% | 2,703 |
| Net loans and leases to core deposits | 85.3998% | 3,978 |
| Total domestic deposits to total assets | 74.9339% | 6,912 |
| Equity capital to assets | 15.9036% | 687 |
| Core capital (leverage) ratio | 15.5772% | 646 |
| Tier 1 risk-based capital ratio | 27.1093% | 700 |
| Total risk-based capital ratio | 27.7694% | 723 |
| Memoranda: | ||
| Average total assets | $49,804,000 | 6,736 |
| Average earning assets | $46,233,000 | 6,693 |
| Average equity | $8,093,000 | 5,812 |
| Average total loans | $31,365,500 | 6,552 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9588% | 2,022 |
| Cost of funding earning assets | 2.0830% | 2,554 |
| Net interest margin | 3.8758% | 3,372 |
| Noninterest income to average assets | 1.0893% | 1,296 |
| Noninterest expense to average assets | 3.8366% | 1,619 |
| Loan and lease loss provision to assets | 0.0583% | 6,981 |
| Net operating income to assets | 0.5205% | 3,648 |
| Return on assets (ROA) | 0.5527% | 3,602 |
| Pretax return on assets | 0.8682% | 3,022 |
| Return on Equity (ROE) | 3.3120% | 4,376 |
| Retained earnings to average equity (ytd only) | -6.3229% | 6,180 |
| Net charge-offs to loans | 0.0814% | 6,293 |
| Credit loss provision to net charge-offs | 120.8333% | 4,416 |
| Earnings coverage of net charge-offs (x) | 18.1667% | 1,142 |
| Efficiency ratio | 81.4072% | 2,682 |
| Assets per employee ($millions) | 0.9749% | 7,950 |
| Cash dividends to net income (ytd only)* | 290.9091% | 112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6238% | 7,524 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 61.1967% | 5,159 |
| Net loans and leases to deposits | 82.2085% | 3,590 |
| Net loans and leases to core deposits | 92.2897% | 4,849 |
| Total domestic deposits to total assets | 74.4409% | 6,955 |
| Equity capital to assets | 16.5969% | 603 |
| Core capital (leverage) ratio | 16.1194% | 602 |
| Tier 1 risk-based capital ratio | 29.4874% | 554 |
| Total risk-based capital ratio | 30.1969% | 568 |
| Memoranda: | ||
| Average total assets | $49,757,200 | 6,714 |
| Average earning assets | $46,519,800 | 6,664 |
| Average equity | $8,303,200 | 5,836 |
| Average total loans | $29,500,000 | 6,658 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7619% | 3,051 |
| Cost of funding earning assets | 2.1543% | 2,627 |
| Net interest margin | 3.6076% | 4,451 |
| Noninterest income to average assets | 0.3938% | 5,348 |
| Noninterest expense to average assets | 2.9738% | 4,151 |
| Loan and lease loss provision to assets | 0.0777% | 6,590 |
| Net operating income to assets | 0.4688% | 4,126 |
| Return on assets (ROA) | 0.4688% | 4,224 |
| Pretax return on assets | 0.7207% | 3,790 |
| Return on Equity (ROE) | 2.8058% | 4,873 |
| Retained earnings to average equity (ytd only) | -10.0206% | 6,810 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8352% | 3,023 |
| Assets per employee ($millions) | 1.7681% | 7,914 |
| Cash dividends to net income (ytd only)* | 457.1380% | 73 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7068% | 7,351 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 61.0075% | 5,424 |
| Net loans and leases to deposits | 81.6297% | 4,092 |
| Net loans and leases to core deposits | 90.8634% | 5,350 |
| Total domestic deposits to total assets | 74.7369% | 6,822 |
| Equity capital to assets | 16.2906% | 746 |
| Core capital (leverage) ratio | 15.9426% | 685 |
| Tier 1 risk-based capital ratio | 32.6026% | 456 |
| Total risk-based capital ratio | 33.4969% | 455 |
| Memoranda: | ||
| Average total assets | $49,766,500 | 6,770 |
| Average earning assets | $46,603,750 | 6,709 |
| Average equity | $8,316,000 | 5,884 |
| Average total loans | $29,220,500 | 6,724 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5253% | 4,477 |
| Cost of funding earning assets | 2.2315% | 2,660 |
| Net interest margin | 3.2938% | 5,580 |
| Noninterest income to average assets | 0.2166% | 6,750 |
| Noninterest expense to average assets | 2.5194% | 6,056 |
| Loan and lease loss provision to assets | 0.1163% | 5,977 |
| Net operating income to assets | 0.4373% | 4,347 |
| Return on assets (ROA) | 0.4373% | 4,458 |
| Pretax return on assets | 0.6660% | 4,113 |
| Return on Equity (ROE) | 2.5953% | 5,062 |
| Retained earnings to average equity (ytd only) | -16.4530% | 7,323 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3062% | 3,637 |
| Assets per employee ($millions) | 3.0773% | 5,924 |
| Cash dividends to net income (ytd only)* | 733.9450% | 48 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7828% | 7,211 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 55.3477% | 6,290 |
| Net loans and leases to deposits | 73.8810% | 5,470 |
| Net loans and leases to core deposits | 81.8054% | 6,258 |
| Total domestic deposits to total assets | 74.9147% | 6,781 |
| Equity capital to assets | 16.0492% | 813 |
| Core capital (leverage) ratio | 15.8480% | 763 |
| Tier 1 risk-based capital ratio | 39.5663% | 318 |
| Total risk-based capital ratio | 40.6608% | 311 |
| Memoranda: | ||
| Average total assets | $49,853,000 | 6,833 |
| Average earning assets | $46,694,330 | 6,761 |
| Average equity | $8,399,670 | 5,882 |
| Average total loans | $28,821,330 | 6,803 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5336% | 4,732 |
| Cost of funding earning assets | 2.3035% | 2,684 |
| Net interest margin | 3.2301% | 5,758 |
| Noninterest income to average assets | 0.1834% | 6,981 |
| Noninterest expense to average assets | 2.3524% | 6,362 |
| Loan and lease loss provision to assets | 0.2313% | 4,142 |
| Net operating income to assets | 0.4147% | 4,801 |
| Return on assets (ROA) | 0.4147% | 4,976 |
| Pretax return on assets | 0.6300% | 4,658 |
| Return on Equity (ROE) | 2.4050% | 5,622 |
| Retained earnings to average equity (ytd only) | 2.4050% | 4,543 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2010% | 3,974 |
| Assets per employee ($millions) | 3.1591% | 5,709 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7395% | 7,341 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 57.0976% | 6,080 |
| Net loans and leases to deposits | 79.0425% | 4,768 |
| Net loans and leases to core deposits | 87.7978% | 5,762 |
| Total domestic deposits to total assets | 72.2366% | 7,173 |
| Equity capital to assets | 17.2183% | 700 |
| Core capital (leverage) ratio | 16.9412% | 662 |
| Tier 1 risk-based capital ratio | 41.5812% | 288 |
| Total risk-based capital ratio | 42.6311% | 286 |
| Memoranda: | ||
| Average total assets | $50,161,500 | 6,856 |
| Average earning assets | $47,058,000 | 6,791 |
| Average equity | $8,648,500 | 5,829 |
| Average total loans | $29,499,000 | 6,800 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0165% | 5,472 |
| Cost of funding earning assets | 2.6761% | 3,288 |
| Net interest margin | 3.3403% | 5,900 |
| Noninterest income to average assets | 0.3452% | 5,977 |
| Noninterest expense to average assets | 2.1673% | 7,066 |
| Loan and lease loss provision to assets | 0.1044% | 6,046 |
| Net operating income to assets | 0.7785% | 3,531 |
| Return on assets (ROA) | 0.7746% | 3,389 |
| Pretax return on assets | 1.1960% | 2,654 |
| Return on Equity (ROE) | 4.5648% | 4,571 |
| Retained earnings to average equity (ytd only) | 1.6083% | 4,248 |
| Net charge-offs to loans | 0.0737% | 5,706 |
| Credit loss provision to net charge-offs | 236.3636% | 2,002 |
| Earnings coverage of net charge-offs (x) | 29.5909% | 1,178 |
| Efficiency ratio | 62.3917% | 5,881 |
| Assets per employee ($millions) | 3.3185% | 5,165 |
| Cash dividends to net income (ytd only)* | 64.7668% | 2,426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6183% | 7,643 |
| Loan loss allowance to noncurrent loans | 80.0866% | 4,116 |
| Noncurrent assets plus other real estate owned to assets | 0.4641% | 5,830 |
| Noncurrent loans to loans | 0.7720% | 5,100 |
| Net loans and leases to total assets | 59.7413% | 5,950 |
| Net loans and leases to deposits | 82.9396% | 4,582 |
| Net loans and leases to core deposits | 92.5178% | 5,591 |
| Total domestic deposits to total assets | 72.0298% | 6,987 |
| Equity capital to assets | 17.2647% | 750 |
| Core capital (leverage) ratio | 17.0690% | 691 |
| Tier 1 risk-based capital ratio | 40.9652% | 317 |
| Total risk-based capital ratio | 41.8607% | 317 |
| Memoranda: | ||
| Average total assets | $49,831,200 | 6,782 |
| Average earning assets | $46,672,000 | 6,730 |
| Average equity | $8,456,000 | 5,922 |
| Average total loans | $29,870,200 | 6,718 |