Home > First Federal Savings Bank > Performance and Condition Ratios
First Federal Savings Bank, Performance and Condition Ratios
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3100% | 2,585 |
| Cost of funding earning assets | 0.7180% | 1,057 |
| Net interest margin | 3.5920% | 3,461 |
| Noninterest income to average assets | 1.2972% | 723 |
| Noninterest expense to average assets | 3.8492% | 910 |
| Loan and lease loss provision to assets | 0.1213% | 2,056 |
| Net operating income to assets | 0.4568% | 5,045 |
| Return on assets (ROA) | 0.4487% | 5,156 |
| Pretax return on assets | 0.7062% | 4,687 |
| Return on Equity (ROE) | 3.1302% | 5,494 |
| Retained earnings to average equity (ytd only) | 3.1302% | 4,396 |
| Net charge-offs to loans | 0.0270% | 3,955 |
| Credit loss provision to net charge-offs | 517.5439% | 548 |
| Earnings coverage of net charge-offs (x) | 35.1746% | 1,231 |
| Efficiency ratio | 82.2598% | 1,581 |
| Assets per employee ($millions) | 3.9136% | 4,057 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2360% | 4,042 |
| Loan loss allowance to noncurrent loans | 120.6533% | 3,207 |
| Noncurrent assets plus other real estate owned to assets | 0.9097% | 3,172 |
| Noncurrent loans to loans | 1.0244% | 3,022 |
| Net loans and leases to total assets | 87.2306% | 140 |
| Net loans and leases to deposits | 133.8961% | 28 |
| Net loans and leases to core deposits | 142.3059% | 143 |
| Total domestic deposits to total assets | 65.1479% | 6,419 |
| Equity capital to assets | 14.4697% | 859 |
| Core capital (leverage) ratio | 14.1746% | 801 |
| Tier 1 risk-based capital ratio | 20.4795% | 1,558 |
| Total risk-based capital ratio | 21.7337% | 1,523 |
| Memoranda: | ||
| Average total assets | $324,181,750 | 2,018 |
| Average earning assets | $304,744,500 | 1,987 |
| Average equity | $46,470,750 | 1,555 |
| Average total loans | $281,082,500 | 1,521 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2606% | 2,733 |
| Cost of funding earning assets | 0.7597% | 882 |
| Net interest margin | 3.5010% | 3,786 |
| Noninterest income to average assets | 1.2785% | 722 |
| Noninterest expense to average assets | 4.0035% | 760 |
| Loan and lease loss provision to assets | 0.1821% | 1,344 |
| Net operating income to assets | 0.2618% | 5,685 |
| Return on assets (ROA) | 0.2327% | 5,818 |
| Pretax return on assets | 0.3556% | 5,669 |
| Return on Equity (ROE) | 1.6287% | 5,924 |
| Retained earnings to average equity (ytd only) | 1.6287% | 5,089 |
| Net charge-offs to loans | -0.0064% | 5,220 |
| Credit loss provision to net charge-offs | -3,277.7778% | 5,877 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.4916% | 1,130 |
| Assets per employee ($millions) | 3.9341% | 3,987 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2556% | 4,121 |
| Loan loss allowance to noncurrent loans | 113.1225% | 3,360 |
| Noncurrent assets plus other real estate owned to assets | 0.9662% | 3,129 |
| Noncurrent loans to loans | 1.1099% | 3,004 |
| Net loans and leases to total assets | 85.9571% | 177 |
| Net loans and leases to deposits | 121.4644% | 78 |
| Net loans and leases to core deposits | 134.0464% | 185 |
| Total domestic deposits to total assets | 70.7673% | 6,321 |
| Equity capital to assets | 14.0747% | 944 |
| Core capital (leverage) ratio | 13.6998% | 918 |
| Tier 1 risk-based capital ratio | 19.6497% | 1,770 |
| Total risk-based capital ratio | 20.9035% | 1,739 |
| Memoranda: | ||
| Average total assets | $323,965,670 | 2,013 |
| Average earning assets | $304,602,330 | 1,981 |
| Average equity | $46,293,670 | 1,548 |
| Average total loans | $279,144,330 | 1,529 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2734% | 2,619 |
| Cost of funding earning assets | 0.8069% | 725 |
| Net interest margin | 3.4665% | 3,835 |
| Noninterest income to average assets | 1.2460% | 709 |
| Noninterest expense to average assets | 3.2178% | 2,168 |
| Loan and lease loss provision to assets | 0.0935% | 2,359 |
| Net operating income to assets | 0.7558% | 3,382 |
| Return on assets (ROA) | 0.7334% | 3,605 |
| Pretax return on assets | 1.1699% | 2,617 |
| Return on Equity (ROE) | 5.0926% | 4,502 |
| Retained earnings to average equity (ytd only) | 5.0926% | 3,067 |
| Net charge-offs to loans | -0.0058% | 4,859 |
| Credit loss provision to net charge-offs | -1,875.0000% | 5,459 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3099% | 3,606 |
| Assets per employee ($millions) | 3.7536% | 4,414 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2199% | 4,546 |
| Loan loss allowance to noncurrent loans | 146.9414% | 2,688 |
| Noncurrent assets plus other real estate owned to assets | 0.7531% | 3,865 |
| Noncurrent loans to loans | 0.8302% | 3,808 |
| Net loans and leases to total assets | 84.9592% | 190 |
| Net loans and leases to deposits | 115.8225% | 98 |
| Net loans and leases to core deposits | 123.6229% | 270 |
| Total domestic deposits to total assets | 73.3529% | 6,288 |
| Equity capital to assets | 14.4203% | 808 |
| Core capital (leverage) ratio | 14.0818% | 797 |
| Tier 1 risk-based capital ratio | 20.5589% | 1,567 |
| Total risk-based capital ratio | 21.8126% | 1,539 |
| Memoranda: | ||
| Average total assets | $320,715,500 | 2,036 |
| Average earning assets | $301,398,500 | 2,003 |
| Average equity | $46,184,500 | 1,551 |
| Average total loans | $274,881,000 | 1,556 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3541% | 2,761 |
| Cost of funding earning assets | 0.9363% | 620 |
| Net interest margin | 3.4178% | 4,211 |
| Noninterest income to average assets | 1.4038% | 717 |
| Noninterest expense to average assets | 3.1914% | 2,444 |
| Loan and lease loss provision to assets | 0.2332% | 1,543 |
| Net operating income to assets | 0.7766% | 3,410 |
| Return on assets (ROA) | 0.7523% | 3,633 |
| Pretax return on assets | 1.1510% | 2,768 |
| Return on Equity (ROE) | 5.1404% | 4,563 |
| Retained earnings to average equity (ytd only) | -0.2692% | 5,934 |
| Net charge-offs to loans | 0.1220% | 3,592 |
| Credit loss provision to net charge-offs | 232.7044% | 986 |
| Earnings coverage of net charge-offs (x) | 14.0535% | 1,968 |
| Efficiency ratio | 69.0099% | 4,014 |
| Assets per employee ($millions) | 3.6207% | 4,632 |
| Cash dividends to net income (ytd only)* | 105.2367% | 338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2156% | 4,573 |
| Loan loss allowance to noncurrent loans | 136.4124% | 2,866 |
| Noncurrent assets plus other real estate owned to assets | 0.8006% | 3,879 |
| Noncurrent loans to loans | 0.8912% | 3,762 |
| Net loans and leases to total assets | 84.3668% | 231 |
| Net loans and leases to deposits | 120.1523% | 67 |
| Net loans and leases to core deposits | 128.8370% | 207 |
| Total domestic deposits to total assets | 70.2165% | 6,515 |
| Equity capital to assets | 14.3803% | 805 |
| Core capital (leverage) ratio | 14.0593% | 812 |
| Tier 1 risk-based capital ratio | 20.5891% | 1,515 |
| Total risk-based capital ratio | 21.8426% | 1,491 |
| Memoranda: | ||
| Average total assets | $317,288,400 | 2,029 |
| Average earning assets | $296,710,400 | 1,998 |
| Average equity | $46,436,400 | 1,503 |
| Average total loans | $260,605,000 | 1,589 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3586% | 2,737 |
| Cost of funding earning assets | 0.9528% | 637 |
| Net interest margin | 3.4058% | 4,261 |
| Noninterest income to average assets | 1.4244% | 728 |
| Noninterest expense to average assets | 3.1823% | 2,414 |
| Loan and lease loss provision to assets | 0.1535% | 2,346 |
| Net operating income to assets | 0.8426% | 3,135 |
| Return on assets (ROA) | 0.8131% | 3,407 |
| Pretax return on assets | 1.2409% | 2,546 |
| Return on Equity (ROE) | 5.5317% | 4,453 |
| Retained earnings to average equity (ytd only) | 5.5317% | 2,708 |
| Net charge-offs to loans | 0.0300% | 4,530 |
| Credit loss provision to net charge-offs | 629.3103% | 453 |
| Earnings coverage of net charge-offs (x) | 58.3631% | 769 |
| Efficiency ratio | 68.7032% | 3,957 |
| Assets per employee ($millions) | 3.8813% | 4,068 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2052% | 4,837 |
| Loan loss allowance to noncurrent loans | 113.4281% | 3,167 |
| Noncurrent assets plus other real estate owned to assets | 1.0306% | 3,586 |
| Noncurrent loans to loans | 1.0625% | 3,677 |
| Net loans and leases to total assets | 81.2472% | 429 |
| Net loans and leases to deposits | 114.6611% | 108 |
| Net loans and leases to core deposits | 122.7677% | 280 |
| Total domestic deposits to total assets | 70.8585% | 6,553 |
| Equity capital to assets | 14.8593% | 737 |
| Core capital (leverage) ratio | 14.5311% | 726 |
| Tier 1 risk-based capital ratio | 22.1497% | 1,294 |
| Total risk-based capital ratio | 23.4032% | 1,275 |
| Memoranda: | ||
| Average total assets | $316,954,750 | 2,038 |
| Average earning assets | $296,112,750 | 2,008 |
| Average equity | $46,590,750 | 1,514 |
| Average total loans | $257,726,250 | 1,608 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4406% | 2,416 |
| Cost of funding earning assets | 0.9773% | 606 |
| Net interest margin | 3.4633% | 3,947 |
| Noninterest income to average assets | 1.4980% | 699 |
| Noninterest expense to average assets | 3.2092% | 2,333 |
| Loan and lease loss provision to assets | 0.1047% | 3,041 |
| Net operating income to assets | 0.9492% | 2,576 |
| Return on assets (ROA) | 0.9162% | 2,856 |
| Pretax return on assets | 1.3800% | 2,003 |
| Return on Equity (ROE) | 6.2559% | 4,019 |
| Retained earnings to average equity (ytd only) | 6.2559% | 2,293 |
| Net charge-offs to loans | 0.0478% | 4,010 |
| Credit loss provision to net charge-offs | 270.4918% | 937 |
| Earnings coverage of net charge-offs (x) | 39.2131% | 944 |
| Efficiency ratio | 67.4497% | 4,274 |
| Assets per employee ($millions) | 3.5683% | 4,711 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1573% | 5,204 |
| Loan loss allowance to noncurrent loans | 149.4253% | 2,522 |
| Noncurrent assets plus other real estate owned to assets | 0.8388% | 4,141 |
| Noncurrent loans to loans | 0.7745% | 4,369 |
| Net loans and leases to total assets | 81.3231% | 405 |
| Net loans and leases to deposits | 111.8018% | 116 |
| Net loans and leases to core deposits | 119.6877% | 322 |
| Total domestic deposits to total assets | 72.7387% | 6,515 |
| Equity capital to assets | 14.9206% | 729 |
| Core capital (leverage) ratio | 14.7139% | 664 |
| Tier 1 risk-based capital ratio | 22.7856% | 1,169 |
| Total risk-based capital ratio | 24.0383% | 1,146 |
| Memoranda: | ||
| Average total assets | $315,223,330 | 2,055 |
| Average earning assets | $293,880,000 | 2,019 |
| Average equity | $46,164,670 | 1,535 |
| Average total loans | $255,325,000 | 1,628 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4153% | 2,467 |
| Cost of funding earning assets | 1.0004% | 608 |
| Net interest margin | 3.4149% | 4,063 |
| Noninterest income to average assets | 1.6072% | 605 |
| Noninterest expense to average assets | 3.2144% | 2,309 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.1031% | 1,845 |
| Return on assets (ROA) | 1.0499% | 2,146 |
| Pretax return on assets | 1.5173% | 1,521 |
| Return on Equity (ROE) | 7.2369% | 3,359 |
| Retained earnings to average equity (ytd only) | 7.2369% | 2,053 |
| Net charge-offs to loans | 0.0362% | 3,517 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 53.9130% | 634 |
| Efficiency ratio | 66.5696% | 4,564 |
| Assets per employee ($millions) | 3.5592% | 4,864 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1218% | 5,518 |
| Loan loss allowance to noncurrent loans | 145.3299% | 2,446 |
| Noncurrent assets plus other real estate owned to assets | 0.7094% | 4,600 |
| Noncurrent loans to loans | 0.7719% | 4,581 |
| Net loans and leases to total assets | 80.5668% | 377 |
| Net loans and leases to deposits | 111.9270% | 108 |
| Net loans and leases to core deposits | 116.6305% | 336 |
| Total domestic deposits to total assets | 71.9815% | 6,657 |
| Equity capital to assets | 14.7862% | 810 |
| Core capital (leverage) ratio | 14.5445% | 659 |
| Tier 1 risk-based capital ratio | 22.8465% | 1,184 |
| Total risk-based capital ratio | 24.0989% | 1,161 |
| Memoranda: | ||
| Average total assets | $315,830,500 | 2,074 |
| Average earning assets | $293,887,500 | 2,049 |
| Average equity | $45,821,000 | 1,563 |
| Average total loans | $253,811,500 | 1,646 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5300% | 3,277 |
| Cost of funding earning assets | 1.2097% | 550 |
| Net interest margin | 3.3203% | 5,180 |
| Noninterest income to average assets | 1.0482% | 1,411 |
| Noninterest expense to average assets | 2.9050% | 3,612 |
| Loan and lease loss provision to assets | 0.0936% | 4,503 |
| Net operating income to assets | 0.7355% | 3,582 |
| Return on assets (ROA) | 0.7258% | 3,867 |
| Pretax return on assets | 1.1267% | 3,059 |
| Return on Equity (ROE) | 5.1229% | 4,623 |
| Retained earnings to average equity (ytd only) | -2.2567% | 6,196 |
| Net charge-offs to loans | 0.2104% | 3,707 |
| Credit loss provision to net charge-offs | 59.3870% | 4,465 |
| Earnings coverage of net charge-offs (x) | 7.8046% | 2,525 |
| Efficiency ratio | 69.4363% | 3,906 |
| Assets per employee ($millions) | 3.7465% | 4,476 |
| Cash dividends to net income (ytd only)* | 144.0516% | 231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1434% | 5,376 |
| Loan loss allowance to noncurrent loans | 130.9437% | 2,655 |
| Noncurrent assets plus other real estate owned to assets | 0.7379% | 4,632 |
| Noncurrent loans to loans | 0.8732% | 4,432 |
| Net loans and leases to total assets | 78.3577% | 633 |
| Net loans and leases to deposits | 113.1460% | 123 |
| Net loans and leases to core deposits | 118.1448% | 314 |
| Total domestic deposits to total assets | 69.2536% | 6,814 |
| Equity capital to assets | 14.2346% | 962 |
| Core capital (leverage) ratio | 14.0205% | 795 |
| Tier 1 risk-based capital ratio | 22.5529% | 1,177 |
| Total risk-based capital ratio | 23.8057% | 1,153 |
| Memoranda: | ||
| Average total assets | $331,221,200 | 1,948 |
| Average earning assets | $307,925,000 | 1,922 |
| Average equity | $46,926,200 | 1,486 |
| Average total loans | $248,079,000 | 1,662 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5494% | 3,431 |
| Cost of funding earning assets | 1.2612% | 531 |
| Net interest margin | 3.2882% | 5,431 |
| Noninterest income to average assets | 1.0111% | 1,471 |
| Noninterest expense to average assets | 2.8036% | 3,970 |
| Loan and lease loss provision to assets | 0.1236% | 4,008 |
| Net operating income to assets | 0.7380% | 3,744 |
| Return on assets (ROA) | 0.7276% | 4,033 |
| Pretax return on assets | 1.1307% | 3,231 |
| Return on Equity (ROE) | 5.1416% | 4,755 |
| Retained earnings to average equity (ytd only) | 5.1416% | 3,264 |
| Net charge-offs to loans | 0.1711% | 3,731 |
| Credit loss provision to net charge-offs | 97.7918% | 3,060 |
| Earnings coverage of net charge-offs (x) | 10.0062% | 2,237 |
| Efficiency ratio | 68.1105% | 4,037 |
| Assets per employee ($millions) | 3.7803% | 4,349 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2633% | 4,987 |
| Loan loss allowance to noncurrent loans | 113.5145% | 2,903 |
| Noncurrent assets plus other real estate owned to assets | 0.9081% | 4,469 |
| Noncurrent loans to loans | 1.1129% | 4,198 |
| Net loans and leases to total assets | 75.1831% | 1,093 |
| Net loans and leases to deposits | 105.7057% | 242 |
| Net loans and leases to core deposits | 110.1816% | 565 |
| Total domestic deposits to total assets | 71.1249% | 6,787 |
| Equity capital to assets | 15.0670% | 803 |
| Core capital (leverage) ratio | 14.7981% | 648 |
| Tier 1 risk-based capital ratio | 24.7591% | 928 |
| Total risk-based capital ratio | 26.0137% | 922 |
| Memoranda: | ||
| Average total assets | $334,414,000 | 1,949 |
| Average earning assets | $310,920,750 | 1,920 |
| Average equity | $47,325,250 | 1,489 |
| Average total loans | $246,994,750 | 1,683 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5147% | 3,707 |
| Cost of funding earning assets | 1.3127% | 495 |
| Net interest margin | 3.2020% | 5,740 |
| Noninterest income to average assets | 1.0131% | 1,431 |
| Noninterest expense to average assets | 2.7841% | 4,079 |
| Loan and lease loss provision to assets | 0.1240% | 3,975 |
| Net operating income to assets | 0.6954% | 3,895 |
| Return on assets (ROA) | 0.6830% | 4,224 |
| Pretax return on assets | 1.0691% | 3,425 |
| Return on Equity (ROE) | 4.9274% | 4,841 |
| Retained earnings to average equity (ytd only) | 4.9274% | 3,320 |
| Net charge-offs to loans | 0.2583% | 3,029 |
| Credit loss provision to net charge-offs | 65.6250% | 3,670 |
| Earnings coverage of net charge-offs (x) | 6.3813% | 2,649 |
| Efficiency ratio | 68.9701% | 3,947 |
| Assets per employee ($millions) | 3.8028% | 4,305 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2149% | 5,291 |
| Loan loss allowance to noncurrent loans | 100.3695% | 3,186 |
| Noncurrent assets plus other real estate owned to assets | 0.9487% | 4,467 |
| Noncurrent loans to loans | 1.2104% | 4,134 |
| Net loans and leases to total assets | 71.7849% | 1,592 |
| Net loans and leases to deposits | 101.7574% | 351 |
| Net loans and leases to core deposits | 105.8659% | 753 |
| Total domestic deposits to total assets | 70.5451% | 6,880 |
| Equity capital to assets | 14.0572% | 1,078 |
| Core capital (leverage) ratio | 13.8268% | 858 |
| Tier 1 risk-based capital ratio | 24.0838% | 1,004 |
| Total risk-based capital ratio | 25.3372% | 984 |
| Memoranda: | ||
| Average total assets | $338,777,000 | 1,919 |
| Average earning assets | $314,930,000 | 1,892 |
| Average equity | $46,962,330 | 1,487 |
| Average total loans | $247,768,670 | 1,674 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5980% | 3,511 |
| Cost of funding earning assets | 1.3709% | 466 |
| Net interest margin | 3.2271% | 5,710 |
| Noninterest income to average assets | 0.9913% | 1,448 |
| Noninterest expense to average assets | 2.7887% | 4,080 |
| Loan and lease loss provision to assets | 0.1888% | 3,069 |
| Net operating income to assets | 0.6503% | 4,117 |
| Return on assets (ROA) | 0.6302% | 4,426 |
| Pretax return on assets | 0.9913% | 3,702 |
| Return on Equity (ROE) | 4.5783% | 5,000 |
| Retained earnings to average equity (ytd only) | 4.5783% | 3,835 |
| Net charge-offs to loans | 0.2493% | 2,677 |
| Credit loss provision to net charge-offs | 103.2258% | 2,236 |
| Earnings coverage of net charge-offs (x) | 6.5613% | 2,186 |
| Efficiency ratio | 69.1124% | 3,962 |
| Assets per employee ($millions) | 4.0330% | 3,938 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2463% | 5,267 |
| Loan loss allowance to noncurrent loans | 116.6980% | 2,679 |
| Noncurrent assets plus other real estate owned to assets | 0.8848% | 4,760 |
| Noncurrent loans to loans | 1.0680% | 4,567 |
| Net loans and leases to total assets | 71.7232% | 1,450 |
| Net loans and leases to deposits | 101.4713% | 325 |
| Net loans and leases to core deposits | 104.8490% | 726 |
| Total domestic deposits to total assets | 70.6833% | 6,950 |
| Equity capital to assets | 13.6654% | 1,163 |
| Core capital (leverage) ratio | 13.4635% | 968 |
| Tier 1 risk-based capital ratio | 23.3258% | 1,093 |
| Total risk-based capital ratio | 24.5801% | 1,069 |
| Memoranda: | ||
| Average total assets | $338,939,000 | 1,931 |
| Average earning assets | $314,835,500 | 1,905 |
| Average equity | $46,655,000 | 1,491 |
| Average total loans | $248,680,000 | 1,671 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9416% | 3,147 |
| Cost of funding earning assets | 1.5924% | 490 |
| Net interest margin | 3.3493% | 5,651 |
| Noninterest income to average assets | 0.8373% | 1,892 |
| Noninterest expense to average assets | 3.3386% | 2,395 |
| Loan and lease loss provision to assets | 0.2490% | 3,715 |
| Net operating income to assets | 0.2298% | 5,489 |
| Return on assets (ROA) | 0.2856% | 5,460 |
| Pretax return on assets | 0.4301% | 5,205 |
| Return on Equity (ROE) | 2.1022% | 5,615 |
| Retained earnings to average equity (ytd only) | 2.1022% | 4,715 |
| Net charge-offs to loans | 0.1672% | 4,815 |
| Credit loss provision to net charge-offs | 209.3596% | 1,179 |
| Earnings coverage of net charge-offs (x) | 4.9926% | 2,926 |
| Efficiency ratio | 84.0870% | 1,756 |
| Assets per employee ($millions) | 3.8962% | 4,086 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2473% | 5,186 |
| Loan loss allowance to noncurrent loans | 144.4289% | 2,204 |
| Noncurrent assets plus other real estate owned to assets | 0.8025% | 5,028 |
| Noncurrent loans to loans | 0.8636% | 4,961 |
| Net loans and leases to total assets | 73.2044% | 1,406 |
| Net loans and leases to deposits | 105.5429% | 259 |
| Net loans and leases to core deposits | 110.2023% | 614 |
| Total domestic deposits to total assets | 69.3598% | 7,017 |
| Equity capital to assets | 13.8670% | 1,118 |
| Core capital (leverage) ratio | 13.5928% | 928 |
| Tier 1 risk-based capital ratio | 24.0408% | 967 |
| Total risk-based capital ratio | 25.2957% | 950 |
| Memoranda: | ||
| Average total assets | $341,339,000 | 1,896 |
| Average earning assets | $315,441,200 | 1,872 |
| Average equity | $46,379,000 | 1,471 |
| Average total loans | $242,865,400 | 1,722 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9692% | 3,247 |
| Cost of funding earning assets | 1.6321% | 511 |
| Net interest margin | 3.3371% | 5,749 |
| Noninterest income to average assets | 0.8628% | 1,785 |
| Noninterest expense to average assets | 3.0962% | 3,176 |
| Loan and lease loss provision to assets | 0.3013% | 3,115 |
| Net operating income to assets | 0.3591% | 5,167 |
| Return on assets (ROA) | 0.3496% | 5,388 |
| Pretax return on assets | 0.5370% | 5,014 |
| Return on Equity (ROE) | 2.5856% | 5,589 |
| Retained earnings to average equity (ytd only) | 2.5856% | 4,817 |
| Net charge-offs to loans | 0.1712% | 4,429 |
| Credit loss provision to net charge-offs | 250.0000% | 1,141 |
| Earnings coverage of net charge-offs (x) | 7.0355% | 2,433 |
| Efficiency ratio | 77.6912% | 2,587 |
| Assets per employee ($millions) | 3.9355% | 3,989 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2523% | 5,236 |
| Loan loss allowance to noncurrent loans | 125.6142% | 2,406 |
| Noncurrent assets plus other real estate owned to assets | 0.8400% | 5,079 |
| Noncurrent loans to loans | 0.9969% | 4,898 |
| Net loans and leases to total assets | 71.8305% | 1,748 |
| Net loans and leases to deposits | 104.9590% | 285 |
| Net loans and leases to core deposits | 109.5554% | 698 |
| Total domestic deposits to total assets | 68.4367% | 7,118 |
| Equity capital to assets | 13.6835% | 1,292 |
| Core capital (leverage) ratio | 13.2826% | 1,115 |
| Tier 1 risk-based capital ratio | 23.6055% | 1,059 |
| Total risk-based capital ratio | 24.8601% | 1,041 |
| Memoranda: | ||
| Average total assets | $342,906,250 | 1,896 |
| Average earning assets | $316,633,750 | 1,868 |
| Average equity | $46,357,750 | 1,473 |
| Average total loans | $241,485,750 | 1,749 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9537% | 3,384 |
| Cost of funding earning assets | 1.6699% | 532 |
| Net interest margin | 3.2838% | 5,908 |
| Noninterest income to average assets | 0.9042% | 1,631 |
| Noninterest expense to average assets | 3.1241% | 3,165 |
| Loan and lease loss provision to assets | 0.2623% | 3,300 |
| Net operating income to assets | 0.3601% | 5,130 |
| Return on assets (ROA) | 0.3434% | 5,334 |
| Pretax return on assets | 0.5410% | 4,936 |
| Return on Equity (ROE) | 2.5502% | 5,584 |
| Retained earnings to average equity (ytd only) | 2.5502% | 4,668 |
| Net charge-offs to loans | 0.2343% | 3,718 |
| Credit loss provision to net charge-offs | 160.7143% | 1,886 |
| Earnings coverage of net charge-offs (x) | 5.0250% | 2,710 |
| Efficiency ratio | 78.4067% | 2,645 |
| Assets per employee ($millions) | 3.8029% | 4,185 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1590% | 5,725 |
| Loan loss allowance to noncurrent loans | 118.7553% | 2,460 |
| Noncurrent assets plus other real estate owned to assets | 0.7975% | 5,298 |
| Noncurrent loans to loans | 0.9759% | 5,033 |
| Net loans and leases to total assets | 69.5939% | 2,301 |
| Net loans and leases to deposits | 101.7946% | 408 |
| Net loans and leases to core deposits | 106.1928% | 925 |
| Total domestic deposits to total assets | 68.3669% | 7,174 |
| Equity capital to assets | 13.5477% | 1,267 |
| Core capital (leverage) ratio | 13.0493% | 1,139 |
| Tier 1 risk-based capital ratio | 23.9121% | 1,015 |
| Total risk-based capital ratio | 25.1620% | 999 |
| Memoranda: | ||
| Average total assets | $343,078,000 | 1,904 |
| Average earning assets | $317,619,330 | 1,877 |
| Average equity | $46,193,330 | 1,462 |
| Average total loans | $238,961,000 | 1,783 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9952% | 3,125 |
| Cost of funding earning assets | 1.7213% | 512 |
| Net interest margin | 3.2739% | 5,864 |
| Noninterest income to average assets | 0.9731% | 1,405 |
| Noninterest expense to average assets | 3.1126% | 3,197 |
| Loan and lease loss provision to assets | 0.2928% | 2,814 |
| Net operating income to assets | 0.3802% | 5,028 |
| Return on assets (ROA) | 0.3583% | 5,214 |
| Pretax return on assets | 0.5703% | 4,799 |
| Return on Equity (ROE) | 2.6697% | 5,535 |
| Retained earnings to average equity (ytd only) | 2.6697% | 4,565 |
| Net charge-offs to loans | 0.4040% | 2,483 |
| Credit loss provision to net charge-offs | 104.6025% | 2,544 |
| Earnings coverage of net charge-offs (x) | 3.1632% | 2,829 |
| Efficiency ratio | 77.0650% | 2,976 |
| Assets per employee ($millions) | 3.6948% | 4,552 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1087% | 6,012 |
| Loan loss allowance to noncurrent loans | 174.0692% | 1,686 |
| Noncurrent assets plus other real estate owned to assets | 0.5795% | 5,813 |
| Noncurrent loans to loans | 0.6369% | 5,761 |
| Net loans and leases to total assets | 69.9310% | 2,140 |
| Net loans and leases to deposits | 103.6224% | 323 |
| Net loans and leases to core deposits | 107.9130% | 844 |
| Total domestic deposits to total assets | 67.4864% | 7,277 |
| Equity capital to assets | 13.6183% | 1,141 |
| Core capital (leverage) ratio | 13.1751% | 1,071 |
| Tier 1 risk-based capital ratio | 24.1253% | 960 |
| Total risk-based capital ratio | 25.3755% | 948 |
| Memoranda: | ||
| Average total assets | $341,584,500 | 1,927 |
| Average earning assets | $315,584,500 | 1,893 |
| Average equity | $45,848,000 | 1,464 |
| Average total loans | $236,609,500 | 1,814 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2675% | 3,285 |
| Cost of funding earning assets | 2.1446% | 370 |
| Net interest margin | 3.1229% | 6,460 |
| Noninterest income to average assets | 0.8190% | 2,189 |
| Noninterest expense to average assets | 2.9051% | 4,206 |
| Loan and lease loss provision to assets | 0.2422% | 4,865 |
| Net operating income to assets | 0.3258% | 4,849 |
| Return on assets (ROA) | 0.1898% | 5,473 |
| Pretax return on assets | 0.3084% | 5,209 |
| Return on Equity (ROE) | 1.6231% | 5,518 |
| Retained earnings to average equity (ytd only) | 1.6231% | 4,706 |
| Net charge-offs to loans | 0.2977% | 4,529 |
| Credit loss provision to net charge-offs | 120.5674% | 3,490 |
| Earnings coverage of net charge-offs (x) | 3.7532% | 3,206 |
| Efficiency ratio | 78.5358% | 2,609 |
| Assets per employee ($millions) | 3.8567% | 4,121 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1398% | 5,784 |
| Loan loss allowance to noncurrent loans | 217.7194% | 1,390 |
| Noncurrent assets plus other real estate owned to assets | 0.4793% | 6,080 |
| Noncurrent loans to loans | 0.5235% | 5,994 |
| Net loans and leases to total assets | 67.0622% | 3,206 |
| Net loans and leases to deposits | 107.0120% | 290 |
| Net loans and leases to core deposits | 109.1575% | 975 |
| Total domestic deposits to total assets | 62.6680% | 7,470 |
| Equity capital to assets | 13.2279% | 1,285 |
| Core capital (leverage) ratio | 12.9452% | 1,148 |
| Tier 1 risk-based capital ratio | 24.1931% | 913 |
| Total risk-based capital ratio | 25.4433% | 900 |
| Memoranda: | ||
| Average total assets | $350,895,200 | 1,865 |
| Average earning assets | $319,124,200 | 1,863 |
| Average equity | $41,032,000 | 1,612 |
| Average total loans | $236,839,000 | 1,848 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3313% | 3,207 |
| Cost of funding earning assets | 2.2356% | 346 |
| Net interest margin | 3.0957% | 6,625 |
| Noninterest income to average assets | 0.8911% | 1,828 |
| Noninterest expense to average assets | 2.8472% | 4,289 |
| Loan and lease loss provision to assets | 0.2267% | 4,805 |
| Net operating income to assets | 0.4022% | 4,741 |
| Return on assets (ROA) | 0.3824% | 5,013 |
| Pretax return on assets | 0.6028% | 4,585 |
| Return on Equity (ROE) | 3.3784% | 5,061 |
| Retained earnings to average equity (ytd only) | 3.3784% | 4,071 |
| Net charge-offs to loans | 0.2450% | 4,472 |
| Credit loss provision to net charge-offs | 137.2998% | 2,909 |
| Earnings coverage of net charge-offs (x) | 5.1465% | 2,833 |
| Efficiency ratio | 76.1627% | 2,919 |
| Assets per employee ($millions) | 4.0069% | 3,819 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1410% | 5,752 |
| Loan loss allowance to noncurrent loans | 166.8957% | 1,709 |
| Noncurrent assets plus other real estate owned to assets | 0.7479% | 5,609 |
| Noncurrent loans to loans | 0.6837% | 5,836 |
| Net loans and leases to total assets | 65.6566% | 3,764 |
| Net loans and leases to deposits | 103.2356% | 468 |
| Net loans and leases to core deposits | 105.0990% | 1,394 |
| Total domestic deposits to total assets | 63.5988% | 7,527 |
| Equity capital to assets | 13.1690% | 1,503 |
| Core capital (leverage) ratio | 12.7078% | 1,330 |
| Tier 1 risk-based capital ratio | 22.7425% | 1,103 |
| Total risk-based capital ratio | 23.9924% | 1,071 |
| Memoranda: | ||
| Average total assets | $352,808,000 | 1,876 |
| Average earning assets | $319,789,250 | 1,884 |
| Average equity | $39,939,000 | 1,673 |
| Average total loans | $237,838,500 | 1,864 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3648% | 3,131 |
| Cost of funding earning assets | 2.3191% | 319 |
| Net interest margin | 3.0457% | 6,734 |
| Noninterest income to average assets | 0.9692% | 1,460 |
| Noninterest expense to average assets | 2.8435% | 4,298 |
| Loan and lease loss provision to assets | 0.2267% | 4,637 |
| Net operating income to assets | 0.4258% | 4,632 |
| Return on assets (ROA) | 0.3979% | 4,926 |
| Pretax return on assets | 0.6376% | 4,442 |
| Return on Equity (ROE) | 3.7169% | 4,917 |
| Retained earnings to average equity (ytd only) | 3.7169% | 3,736 |
| Net charge-offs to loans | 0.1732% | 4,576 |
| Credit loss provision to net charge-offs | 193.2367% | 2,042 |
| Earnings coverage of net charge-offs (x) | 7.6135% | 2,272 |
| Efficiency ratio | 75.2465% | 3,221 |
| Assets per employee ($millions) | 3.8248% | 4,170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1376% | 5,754 |
| Loan loss allowance to noncurrent loans | 209.1331% | 1,349 |
| Noncurrent assets plus other real estate owned to assets | 0.6910% | 5,768 |
| Noncurrent loans to loans | 0.5440% | 6,164 |
| Net loans and leases to total assets | 66.0127% | 3,827 |
| Net loans and leases to deposits | 108.2543% | 320 |
| Net loans and leases to core deposits | 111.4640% | 1,064 |
| Total domestic deposits to total assets | 60.9792% | 7,643 |
| Equity capital to assets | 10.8284% | 3,050 |
| Core capital (leverage) ratio | 10.3218% | 2,806 |
| Tier 1 risk-based capital ratio | 19.2034% | 1,674 |
| Total risk-based capital ratio | 20.4535% | 1,634 |
| Memoranda: | ||
| Average total assets | $352,874,330 | 1,894 |
| Average earning assets | $320,644,000 | 1,893 |
| Average equity | $37,773,670 | 1,759 |
| Average total loans | $239,057,000 | 1,879 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4007% | 3,031 |
| Cost of funding earning assets | 2.3397% | 379 |
| Net interest margin | 3.0610% | 6,689 |
| Noninterest income to average assets | 1.0562% | 1,139 |
| Noninterest expense to average assets | 2.8771% | 4,149 |
| Loan and lease loss provision to assets | 0.2276% | 4,221 |
| Net operating income to assets | 0.4851% | 4,471 |
| Return on assets (ROA) | 0.4439% | 4,777 |
| Pretax return on assets | 0.7238% | 4,153 |
| Return on Equity (ROE) | 4.1709% | 4,815 |
| Retained earnings to average equity (ytd only) | 4.1709% | 3,646 |
| Net charge-offs to loans | 0.1534% | 4,008 |
| Credit loss provision to net charge-offs | 217.3913% | 1,725 |
| Earnings coverage of net charge-offs (x) | 9.5000% | 1,844 |
| Efficiency ratio | 73.4568% | 3,675 |
| Assets per employee ($millions) | 4.0131% | 3,835 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1076% | 5,974 |
| Loan loss allowance to noncurrent loans | 156.5191% | 1,786 |
| Noncurrent assets plus other real estate owned to assets | 0.7811% | 5,588 |
| Noncurrent loans to loans | 0.7076% | 5,918 |
| Net loans and leases to total assets | 66.9269% | 3,650 |
| Net loans and leases to deposits | 112.0125% | 251 |
| Net loans and leases to core deposits | 115.1790% | 989 |
| Total domestic deposits to total assets | 59.7495% | 7,759 |
| Equity capital to assets | 10.8181% | 2,937 |
| Core capital (leverage) ratio | 10.3973% | 2,718 |
| Tier 1 risk-based capital ratio | 18.9954% | 1,725 |
| Total risk-based capital ratio | 20.2454% | 1,689 |
| Memoranda: | ||
| Average total assets | $351,460,000 | 1,950 |
| Average earning assets | $323,291,000 | 1,926 |
| Average equity | $37,402,000 | 1,797 |
| Average total loans | $239,830,000 | 1,928 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6345% | 3,417 |
| Cost of funding earning assets | 2.7331% | 540 |
| Net interest margin | 2.9015% | 6,870 |
| Noninterest income to average assets | 0.8615% | 2,136 |
| Noninterest expense to average assets | 2.9294% | 4,427 |
| Loan and lease loss provision to assets | 0.3124% | 4,947 |
| Net operating income to assets | 0.1844% | 4,948 |
| Return on assets (ROA) | 0.1831% | 5,023 |
| Pretax return on assets | 0.2972% | 4,769 |
| Return on Equity (ROE) | 1.7965% | 4,980 |
| Retained earnings to average equity (ytd only) | 1.7965% | 3,834 |
| Net charge-offs to loans | 0.1627% | 5,652 |
| Credit loss provision to net charge-offs | 281.6537% | 1,202 |
| Earnings coverage of net charge-offs (x) | 5.4393% | 2,601 |
| Efficiency ratio | 82.1191% | 2,579 |
| Assets per employee ($millions) | 3.8877% | 4,052 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0309% | 6,213 |
| Loan loss allowance to noncurrent loans | 203.9837% | 1,462 |
| Noncurrent assets plus other real estate owned to assets | 0.4661% | 6,296 |
| Noncurrent loans to loans | 0.5054% | 6,240 |
| Net loans and leases to total assets | 68.0834% | 3,691 |
| Net loans and leases to deposits | 121.8869% | 153 |
| Net loans and leases to core deposits | 135.8250% | 959 |
| Total domestic deposits to total assets | 55.8578% | 7,856 |
| Equity capital to assets | 10.4680% | 3,219 |
| Core capital (leverage) ratio | 10.1237% | 2,978 |
| Tier 1 risk-based capital ratio | 18.2047% | 1,843 |
| Total risk-based capital ratio | 19.4546% | 1,792 |
| Memoranda: | ||
| Average total assets | $348,910,400 | 1,953 |
| Average earning assets | $321,215,400 | 1,938 |
| Average equity | $35,569,800 | 1,894 |
| Average total loans | $237,855,400 | 1,971 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6704% | 3,472 |
| Cost of funding earning assets | 2.8123% | 580 |
| Net interest margin | 2.8581% | 6,944 |
| Noninterest income to average assets | 0.9253% | 1,884 |
| Noninterest expense to average assets | 2.9570% | 4,217 |
| Loan and lease loss provision to assets | 0.2646% | 4,845 |
| Net operating income to assets | 0.2102% | 5,114 |
| Return on assets (ROA) | 0.2063% | 5,215 |
| Pretax return on assets | 0.3413% | 4,954 |
| Return on Equity (ROE) | 2.0376% | 5,145 |
| Retained earnings to average equity (ytd only) | 2.0376% | 4,182 |
| Net charge-offs to loans | 0.0874% | 5,813 |
| Credit loss provision to net charge-offs | 445.1613% | 887 |
| Earnings coverage of net charge-offs (x) | 10.0904% | 2,011 |
| Efficiency ratio | 82.3935% | 2,526 |
| Assets per employee ($millions) | 3.8052% | 4,178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9609% | 6,484 |
| Loan loss allowance to noncurrent loans | 154.0132% | 1,859 |
| Noncurrent assets plus other real estate owned to assets | 0.5386% | 6,110 |
| Noncurrent loans to loans | 0.6239% | 6,056 |
| Net loans and leases to total assets | 68.1839% | 3,916 |
| Net loans and leases to deposits | 125.7860% | 136 |
| Net loans and leases to core deposits | 139.8530% | 922 |
| Total domestic deposits to total assets | 54.2063% | 7,949 |
| Equity capital to assets | 10.3468% | 3,684 |
| Core capital (leverage) ratio | 10.0733% | 3,210 |
| Tier 1 risk-based capital ratio | 18.1440% | 1,944 |
| Total risk-based capital ratio | 19.3395% | 1,913 |
| Memoranda: | ||
| Average total assets | $347,692,000 | 1,971 |
| Average earning assets | $320,109,250 | 1,957 |
| Average equity | $35,203,750 | 1,929 |
| Average total loans | $236,475,000 | 2,009 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7214% | 3,427 |
| Cost of funding earning assets | 2.9126% | 592 |
| Net interest margin | 2.8087% | 6,999 |
| Noninterest income to average assets | 0.9993% | 1,597 |
| Noninterest expense to average assets | 2.9622% | 4,243 |
| Loan and lease loss provision to assets | 0.2257% | 4,770 |
| Net operating income to assets | 0.2438% | 5,110 |
| Return on assets (ROA) | 0.2378% | 5,221 |
| Pretax return on assets | 0.4022% | 4,928 |
| Return on Equity (ROE) | 2.3666% | 5,152 |
| Retained earnings to average equity (ytd only) | 2.3666% | 4,018 |
| Net charge-offs to loans | 0.0419% | 5,881 |
| Credit loss provision to net charge-offs | 795.9184% | 592 |
| Earnings coverage of net charge-offs (x) | 21.8163% | 1,247 |
| Efficiency ratio | 82.3529% | 2,682 |
| Assets per employee ($millions) | 3.7617% | 4,191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8999% | 6,767 |
| Loan loss allowance to noncurrent loans | 122.7559% | 2,408 |
| Noncurrent assets plus other real estate owned to assets | 0.5938% | 5,930 |
| Noncurrent loans to loans | 0.7331% | 5,779 |
| Net loans and leases to total assets | 68.3143% | 4,103 |
| Net loans and leases to deposits | 126.0306% | 147 |
| Net loans and leases to core deposits | 138.1914% | 1,097 |
| Total domestic deposits to total assets | 54.2045% | 8,027 |
| Equity capital to assets | 10.1609% | 3,758 |
| Core capital (leverage) ratio | 10.2093% | 3,086 |
| Tier 1 risk-based capital ratio | 18.1676% | 1,970 |
| Total risk-based capital ratio | 19.2713% | 1,948 |
| Memoranda: | ||
| Average total assets | $345,627,000 | 2,002 |
| Average earning assets | $317,651,330 | 2,002 |
| Average equity | $34,733,000 | 1,952 |
| Average total loans | $234,088,330 | 2,053 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7786% | 3,410 |
| Cost of funding earning assets | 3.0009% | 606 |
| Net interest margin | 2.7777% | 7,035 |
| Noninterest income to average assets | 1.0573% | 1,330 |
| Noninterest expense to average assets | 2.7273% | 4,890 |
| Loan and lease loss provision to assets | 0.1853% | 4,587 |
| Net operating income to assets | 0.4354% | 4,722 |
| Return on assets (ROA) | 0.3914% | 5,067 |
| Pretax return on assets | 0.6508% | 4,586 |
| Return on Equity (ROE) | 3.9169% | 4,973 |
| Retained earnings to average equity (ytd only) | 3.9169% | 3,715 |
| Net charge-offs to loans | 0.0224% | 5,246 |
| Credit loss provision to net charge-offs | 1,230.7692% | 514 |
| Earnings coverage of net charge-offs (x) | 58.4615% | 657 |
| Efficiency ratio | 75.6019% | 3,550 |
| Assets per employee ($millions) | 3.7464% | 4,241 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8435% | 6,996 |
| Loan loss allowance to noncurrent loans | 238.7531% | 1,411 |
| Noncurrent assets plus other real estate owned to assets | 0.3326% | 6,515 |
| Noncurrent loans to loans | 0.3533% | 6,546 |
| Net loans and leases to total assets | 67.3431% | 4,282 |
| Net loans and leases to deposits | 124.0080% | 214 |
| Net loans and leases to core deposits | 135.9801% | 1,308 |
| Total domestic deposits to total assets | 54.3054% | 8,069 |
| Equity capital to assets | 10.2391% | 3,721 |
| Core capital (leverage) ratio | 10.1543% | 3,239 |
| Tier 1 risk-based capital ratio | 17.9136% | 2,082 |
| Total risk-based capital ratio | 18.9253% | 2,079 |
| Memoranda: | ||
| Average total assets | $345,400,500 | 2,009 |
| Average earning assets | $317,100,500 | 2,008 |
| Average equity | $34,517,000 | 1,972 |
| Average total loans | $231,848,000 | 2,083 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9289% | 5,905 |
| Cost of funding earning assets | 3.1830% | 1,247 |
| Net interest margin | 2.7459% | 7,415 |
| Noninterest income to average assets | 0.9415% | 1,809 |
| Noninterest expense to average assets | 2.7903% | 4,860 |
| Loan and lease loss provision to assets | 1.7038% | 760 |
| Net operating income to assets | -0.6501% | 7,038 |
| Return on assets (ROA) | -0.6112% | 6,904 |
| Pretax return on assets | -0.9667% | 6,982 |
| Return on Equity (ROE) | -6.6295% | 7,011 |
| Retained earnings to average equity (ytd only) | -6.6295% | 6,743 |
| Net charge-offs to loans | 0.2512% | 3,765 |
| Credit loss provision to net charge-offs | 1,074.4802% | 414 |
| Earnings coverage of net charge-offs (x) | 4.2647% | 4,050 |
| Efficiency ratio | 80.4929% | 2,529 |
| Assets per employee ($millions) | 3.8448% | 3,864 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7779% | 7,180 |
| Loan loss allowance to noncurrent loans | 283.5165% | 1,426 |
| Noncurrent assets plus other real estate owned to assets | 0.2664% | 6,510 |
| Noncurrent loans to loans | 0.2744% | 6,549 |
| Net loans and leases to total assets | 65.8370% | 4,886 |
| Net loans and leases to deposits | 130.6874% | 205 |
| Net loans and leases to core deposits | 139.3997% | 1,298 |
| Total domestic deposits to total assets | 50.3774% | 8,122 |
| Equity capital to assets | 9.7539% | 4,362 |
| Core capital (leverage) ratio | 9.7619% | 3,696 |
| Tier 1 risk-based capital ratio | 18.9309% | 1,825 |
| Total risk-based capital ratio | 19.9318% | 1,824 |
| Memoranda: | ||
| Average total assets | $333,616,400 | 2,001 |
| Average earning assets | $306,783,600 | 1,991 |
| Average equity | $30,756,400 | 2,193 |
| Average total loans | $210,547,400 | 2,199 |