Home > First Federal Savings Bank of Boston > Performance and Condition Ratios
First Federal Savings Bank of Boston, Performance and Condition Ratios
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6842% | 4,344 |
| Cost of funding earning assets | 0.5252% | 1,899 |
| Net interest margin | 3.1590% | 4,673 |
| Noninterest income to average assets | 16.5142% | 46 |
| Noninterest expense to average assets | 24.3863% | 34 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | -5.2417% | 6,053 |
| Return on assets (ROA) | -5.2417% | 6,053 |
| Pretax return on assets | -5.2417% | 6,050 |
| Return on Equity (ROE) | -26.0931% | 6,020 |
| Retained earnings to average equity (ytd only) | -41.8689% | 6,030 |
| Net charge-offs to loans | -0.0080% | 4,636 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 127.3796% | 71 |
| Assets per employee ($millions) | 0.6132% | 6,021 |
| Cash dividends to net income (ytd only)* | -60.4595% | 6,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9838% | 4,597 |
| Loan loss allowance to noncurrent loans | 113.2265% | 3,452 |
| Noncurrent assets plus other real estate owned to assets | 0.7331% | 2,789 |
| Noncurrent loans to loans | 0.8689% | 2,572 |
| Net loans and leases to total assets | 83.5466% | 459 |
| Net loans and leases to deposits | 134.0389% | 30 |
| Net loans and leases to core deposits | 183.2791% | 55 |
| Total domestic deposits to total assets | 62.3301% | 5,950 |
| Equity capital to assets | 16.4108% | 492 |
| Core capital (leverage) ratio | 15.0214% | 610 |
| Tier 1 risk-based capital ratio | 27.2224% | 633 |
| Total risk-based capital ratio | 28.5598% | 613 |
| Memoranda: | ||
| Average total assets | $63,109,330 | 5,169 |
| Average earning assets | $52,548,670 | 5,300 |
| Average equity | $12,677,670 | 4,204 |
| Average total loans | $50,118,330 | 4,642 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7747% | 4,045 |
| Cost of funding earning assets | 0.5245% | 1,913 |
| Net interest margin | 3.2502% | 4,399 |
| Noninterest income to average assets | 15.1868% | 48 |
| Noninterest expense to average assets | 17.7927% | 40 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.0924% | 5,695 |
| Return on assets (ROA) | 0.0924% | 5,738 |
| Pretax return on assets | 0.0924% | 5,743 |
| Return on Equity (ROE) | 0.4169% | 5,780 |
| Retained earnings to average equity (ytd only) | -23.4077% | 5,987 |
| Net charge-offs to loans | -0.0086% | 4,463 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.4836% | 305 |
| Assets per employee ($millions) | 0.5429% | 6,087 |
| Cash dividends to net income (ytd only)* | 5,714.2857% | 3 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3510% | 2,648 |
| Loan loss allowance to noncurrent loans | 70.6767% | 4,308 |
| Noncurrent assets plus other real estate owned to assets | 1.4411% | 1,434 |
| Noncurrent loans to loans | 1.9115% | 1,138 |
| Net loans and leases to total assets | 74.3729% | 1,670 |
| Net loans and leases to deposits | 106.4049% | 324 |
| Net loans and leases to core deposits | 137.3258% | 194 |
| Total domestic deposits to total assets | 69.8962% | 5,872 |
| Equity capital to assets | 23.5467% | 116 |
| Core capital (leverage) ratio | 19.3808% | 217 |
| Tier 1 risk-based capital ratio | 38.3168% | 263 |
| Total risk-based capital ratio | 39.6566% | 258 |
| Memoranda: | ||
| Average total assets | $60,631,500 | 5,279 |
| Average earning assets | $50,335,000 | 5,397 |
| Average equity | $13,431,500 | 4,099 |
| Average total loans | $46,462,000 | 4,788 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1297% | 2,813 |
| Cost of funding earning assets | 0.5254% | 1,956 |
| Net interest margin | 3.6043% | 3,122 |
| Noninterest income to average assets | 18.2017% | 45 |
| Noninterest expense to average assets | 19.3519% | 39 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.8673% | 430 |
| Return on assets (ROA) | 1.8673% | 438 |
| Pretax return on assets | 1.8821% | 682 |
| Return on Equity (ROE) | 9.4105% | 2,266 |
| Retained earnings to average equity (ytd only) | 3.3380% | 3,679 |
| Net charge-offs to loans | 0.0165% | 3,953 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 141.4444% | 440 |
| Efficiency ratio | 91.1363% | 621 |
| Assets per employee ($millions) | 0.6158% | 6,143 |
| Cash dividends to net income (ytd only)* | 64.5289% | 1,511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1001% | 4,050 |
| Loan loss allowance to noncurrent loans | 39.7880% | 5,112 |
| Noncurrent assets plus other real estate owned to assets | 2.1643% | 787 |
| Noncurrent loans to loans | 2.7650% | 627 |
| Net loans and leases to total assets | 76.8167% | 1,282 |
| Net loans and leases to deposits | 143.6033% | 17 |
| Net loans and leases to core deposits | 172.9472% | 57 |
| Total domestic deposits to total assets | 53.4923% | 6,120 |
| Equity capital to assets | 20.9811% | 182 |
| Core capital (leverage) ratio | 19.6753% | 207 |
| Tier 1 risk-based capital ratio | 37.8623% | 263 |
| Total risk-based capital ratio | 39.1670% | 259 |
| Memoranda: | ||
| Average total assets | $67,636,600 | 5,139 |
| Average earning assets | $56,904,400 | 5,268 |
| Average equity | $13,421,200 | 4,061 |
| Average total loans | $54,470,600 | 4,543 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1133% | 2,888 |
| Cost of funding earning assets | 0.5357% | 1,925 |
| Net interest margin | 3.5776% | 3,249 |
| Noninterest income to average assets | 18.5461% | 47 |
| Noninterest expense to average assets | 19.6938% | 41 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.8607% | 457 |
| Return on assets (ROA) | 1.8607% | 478 |
| Pretax return on assets | 1.8607% | 783 |
| Return on Equity (ROE) | 9.5090% | 2,312 |
| Retained earnings to average equity (ytd only) | 1.3513% | 5,181 |
| Net charge-offs to loans | -0.0362% | 5,425 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.3676% | 604 |
| Assets per employee ($millions) | 0.5764% | 6,233 |
| Cash dividends to net income (ytd only)* | 85.7892% | 617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0675% | 4,399 |
| Loan loss allowance to noncurrent loans | 27.9258% | 5,477 |
| Noncurrent assets plus other real estate owned to assets | 3.2854% | 418 |
| Noncurrent loans to loans | 3.8227% | 368 |
| Net loans and leases to total assets | 85.0281% | 303 |
| Net loans and leases to deposits | 149.7495% | 12 |
| Net loans and leases to core deposits | 176.3004% | 53 |
| Total domestic deposits to total assets | 56.7802% | 6,199 |
| Equity capital to assets | 21.1191% | 192 |
| Core capital (leverage) ratio | 18.0669% | 298 |
| Tier 1 risk-based capital ratio | 32.7074% | 423 |
| Total risk-based capital ratio | 33.9975% | 414 |
| Memoranda: | ||
| Average total assets | $68,073,750 | 5,193 |
| Average earning assets | $57,243,750 | 5,330 |
| Average equity | $13,320,500 | 4,118 |
| Average total loans | $55,294,250 | 4,566 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8946% | 3,714 |
| Cost of funding earning assets | 0.5294% | 1,987 |
| Net interest margin | 3.3653% | 4,035 |
| Noninterest income to average assets | 17.2902% | 50 |
| Noninterest expense to average assets | 18.8685% | 43 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.2414% | 1,488 |
| Return on assets (ROA) | 1.2414% | 1,553 |
| Pretax return on assets | 1.2414% | 2,588 |
| Return on Equity (ROE) | 6.5024% | 3,880 |
| Retained earnings to average equity (ytd only) | -3.3040% | 5,940 |
| Net charge-offs to loans | -0.0072% | 4,841 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.8270% | 528 |
| Assets per employee ($millions) | 0.6771% | 6,308 |
| Cash dividends to net income (ytd only)* | 150.8121% | 189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9363% | 5,161 |
| Loan loss allowance to noncurrent loans | 112.5490% | 3,432 |
| Noncurrent assets plus other real estate owned to assets | 1.1527% | 2,200 |
| Noncurrent loans to loans | 0.8319% | 3,041 |
| Net loans and leases to total assets | 83.0430% | 469 |
| Net loans and leases to deposits | 146.5623% | 18 |
| Net loans and leases to core deposits | 186.7440% | 52 |
| Total domestic deposits to total assets | 56.6606% | 6,270 |
| Equity capital to assets | 17.9894% | 340 |
| Core capital (leverage) ratio | 17.7083% | 313 |
| Tier 1 risk-based capital ratio | 30.7547% | 502 |
| Total risk-based capital ratio | 32.0382% | 496 |
| Memoranda: | ||
| Average total assets | $69,438,330 | 5,230 |
| Average earning assets | $58,182,670 | 5,363 |
| Average equity | $13,256,670 | 4,156 |
| Average total loans | $55,396,330 | 4,602 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8838% | 3,683 |
| Cost of funding earning assets | 0.5264% | 2,043 |
| Net interest margin | 3.3575% | 3,996 |
| Noninterest income to average assets | 18.2686% | 46 |
| Noninterest expense to average assets | 19.5054% | 40 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.5564% | 768 |
| Return on assets (ROA) | 1.5564% | 809 |
| Pretax return on assets | 1.5564% | 1,372 |
| Return on Equity (ROE) | 7.9056% | 3,003 |
| Retained earnings to average equity (ytd only) | -4.1181% | 5,870 |
| Net charge-offs to loans | -0.0076% | 4,620 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.6103% | 675 |
| Assets per employee ($millions) | 0.6142% | 6,381 |
| Cash dividends to net income (ytd only)* | 152.0913% | 357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0538% | 4,739 |
| Loan loss allowance to noncurrent loans | 45.2964% | 5,146 |
| Noncurrent assets plus other real estate owned to assets | 3.0435% | 614 |
| Noncurrent loans to loans | 2.3264% | 1,061 |
| Net loans and leases to total assets | 78.9155% | 805 |
| Net loans and leases to deposits | 113.0743% | 171 |
| Net loans and leases to core deposits | 158.4912% | 79 |
| Total domestic deposits to total assets | 69.7908% | 6,140 |
| Equity capital to assets | 19.4168% | 248 |
| Core capital (leverage) ratio | 18.7257% | 252 |
| Tier 1 risk-based capital ratio | 34.0277% | 392 |
| Total risk-based capital ratio | 35.2815% | 384 |
| Memoranda: | ||
| Average total assets | $67,591,500 | 5,316 |
| Average earning assets | $56,233,000 | 5,461 |
| Average equity | $13,307,000 | 4,185 |
| Average total loans | $52,442,000 | 4,719 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0306% | 3,597 |
| Cost of funding earning assets | 0.6119% | 1,665 |
| Net interest margin | 3.4187% | 4,118 |
| Noninterest income to average assets | 16.0711% | 50 |
| Noninterest expense to average assets | 18.0724% | 42 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.7413% | 3,671 |
| Return on assets (ROA) | 0.7413% | 3,777 |
| Pretax return on assets | 0.7413% | 4,473 |
| Return on Equity (ROE) | 3.4534% | 5,305 |
| Retained earnings to average equity (ytd only) | 1.1664% | 5,254 |
| Net charge-offs to loans | 0.1151% | 2,883 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 8.5472% | 2,862 |
| Efficiency ratio | 96.0598% | 500 |
| Assets per employee ($millions) | 0.6036% | 6,469 |
| Cash dividends to net income (ytd only)* | 66.2252% | 1,451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1325% | 4,377 |
| Loan loss allowance to noncurrent loans | 32.8170% | 5,579 |
| Noncurrent assets plus other real estate owned to assets | 3.7818% | 466 |
| Noncurrent loans to loans | 3.4509% | 601 |
| Net loans and leases to total assets | 74.5258% | 1,493 |
| Net loans and leases to deposits | 125.9166% | 62 |
| Net loans and leases to core deposits | 153.9287% | 101 |
| Total domestic deposits to total assets | 59.1866% | 6,411 |
| Equity capital to assets | 19.9627% | 229 |
| Core capital (leverage) ratio | 19.0090% | 245 |
| Tier 1 risk-based capital ratio | 34.8641% | 342 |
| Total risk-based capital ratio | 36.1189% | 337 |
| Memoranda: | ||
| Average total assets | $61,109,600 | 5,522 |
| Average earning assets | $49,024,800 | 5,701 |
| Average equity | $13,117,400 | 4,166 |
| Average total loans | $46,038,400 | 4,951 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0769% | 3,470 |
| Cost of funding earning assets | 0.6531% | 1,441 |
| Net interest margin | 3.4238% | 4,131 |
| Noninterest income to average assets | 15.4490% | 49 |
| Noninterest expense to average assets | 18.0424% | 40 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.1140% | 6,009 |
| Return on assets (ROA) | 0.1140% | 6,037 |
| Pretax return on assets | 0.1140% | 6,045 |
| Return on Equity (ROE) | 0.5210% | 6,098 |
| Retained earnings to average equity (ytd only) | -2.5434% | 6,115 |
| Net charge-offs to loans | 0.0861% | 2,974 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 1.7585% | 4,083 |
| Efficiency ratio | 99.3720% | 390 |
| Assets per employee ($millions) | 0.5275% | 6,552 |
| Cash dividends to net income (ytd only)* | 588.2206% | 9 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2417% | 4,008 |
| Loan loss allowance to noncurrent loans | 40.9904% | 5,422 |
| Noncurrent assets plus other real estate owned to assets | 3.8754% | 525 |
| Noncurrent loans to loans | 3.0292% | 876 |
| Net loans and leases to total assets | 80.9647% | 612 |
| Net loans and leases to deposits | 143.6572% | 22 |
| Net loans and leases to core deposits | 145.8944% | 123 |
| Total domestic deposits to total assets | 56.3596% | 6,515 |
| Equity capital to assets | 22.1592% | 157 |
| Core capital (leverage) ratio | 21.0959% | 168 |
| Tier 1 risk-based capital ratio | 36.2778% | 316 |
| Total risk-based capital ratio | 37.5372% | 310 |
| Memoranda: | ||
| Average total assets | $59,635,750 | 5,619 |
| Average earning assets | $47,158,750 | 5,810 |
| Average equity | $13,052,750 | 4,209 |
| Average total loans | $44,921,000 | 5,052 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9988% | 3,732 |
| Cost of funding earning assets | 0.6757% | 1,335 |
| Net interest margin | 3.3231% | 4,495 |
| Noninterest income to average assets | 14.5738% | 52 |
| Noninterest expense to average assets | 17.1172% | 42 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.0633% | 6,109 |
| Return on assets (ROA) | 0.0633% | 6,129 |
| Pretax return on assets | 0.0633% | 6,130 |
| Return on Equity (ROE) | 0.2905% | 6,178 |
| Retained earnings to average equity (ytd only) | -4.2970% | 6,196 |
| Net charge-offs to loans | 0.1367% | 2,299 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 0.6333% | 4,008 |
| Efficiency ratio | 99.6314% | 418 |
| Assets per employee ($millions) | 0.5010% | 6,621 |
| Cash dividends to net income (ytd only)* | 1,578.9474% | 6 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2838% | 3,939 |
| Loan loss allowance to noncurrent loans | 53.5072% | 5,036 |
| Noncurrent assets plus other real estate owned to assets | 2.0418% | 1,556 |
| Noncurrent loans to loans | 2.3993% | 1,319 |
| Net loans and leases to total assets | 77.3949% | 992 |
| Net loans and leases to deposits | 137.9818% | 26 |
| Net loans and leases to core deposits | 141.1968% | 134 |
| Total domestic deposits to total assets | 56.0907% | 6,581 |
| Equity capital to assets | 21.8929% | 150 |
| Core capital (leverage) ratio | 20.8363% | 171 |
| Tier 1 risk-based capital ratio | 37.0857% | 297 |
| Total risk-based capital ratio | 38.3216% | 292 |
| Memoranda: | ||
| Average total assets | $59,998,000 | 5,660 |
| Average earning assets | $47,064,330 | 5,859 |
| Average equity | $13,079,000 | 4,206 |
| Average total loans | $43,894,670 | 5,131 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9078% | 4,052 |
| Cost of funding earning assets | 0.6841% | 1,340 |
| Net interest margin | 3.2237% | 4,845 |
| Noninterest income to average assets | 14.2490% | 52 |
| Noninterest expense to average assets | 15.7645% | 45 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.9795% | 2,284 |
| Return on assets (ROA) | 0.9795% | 2,345 |
| Pretax return on assets | 0.9795% | 3,409 |
| Return on Equity (ROE) | 4.5028% | 4,783 |
| Retained earnings to average equity (ytd only) | -4.6245% | 6,097 |
| Net charge-offs to loans | 0.2906% | 1,192 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 4.7742% | 2,477 |
| Efficiency ratio | 94.1502% | 740 |
| Assets per employee ($millions) | 0.5375% | 6,690 |
| Cash dividends to net income (ytd only)* | 202.7027% | 254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5036% | 3,132 |
| Loan loss allowance to noncurrent loans | 28.5577% | 5,897 |
| Noncurrent assets plus other real estate owned to assets | 3.9521% | 610 |
| Noncurrent loans to loans | 5.2653% | 398 |
| Net loans and leases to total assets | 69.6127% | 1,964 |
| Net loans and leases to deposits | 110.6655% | 141 |
| Net loans and leases to core deposits | 113.4204% | 480 |
| Total domestic deposits to total assets | 62.9037% | 6,608 |
| Equity capital to assets | 23.3867% | 120 |
| Core capital (leverage) ratio | 22.2898% | 132 |
| Tier 1 risk-based capital ratio | 39.5945% | 240 |
| Total risk-based capital ratio | 40.8549% | 235 |
| Memoranda: | ||
| Average total assets | $60,439,500 | 5,698 |
| Average earning assets | $46,778,000 | 5,927 |
| Average equity | $13,147,500 | 4,207 |
| Average total loans | $42,668,500 | 5,213 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8869% | 4,507 |
| Cost of funding earning assets | 0.5995% | 2,661 |
| Net interest margin | 3.2874% | 4,711 |
| Noninterest income to average assets | 15.8434% | 45 |
| Noninterest expense to average assets | 17.7810% | 41 |
| Loan and lease loss provision to assets | 0.1133% | 2,924 |
| Net operating income to assets | 0.4872% | 4,788 |
| Return on assets (ROA) | 0.4872% | 4,931 |
| Pretax return on assets | 0.5354% | 5,090 |
| Return on Equity (ROE) | 2.6202% | 5,644 |
| Retained earnings to average equity (ytd only) | 0.4875% | 5,623 |
| Net charge-offs to loans | 0.1749% | 3,082 |
| Credit loss provision to net charge-offs | 83.3333% | 2,941 |
| Earnings coverage of net charge-offs (x) | 4.7708% | 3,462 |
| Efficiency ratio | 96.4802% | 618 |
| Assets per employee ($millions) | 0.6248% | 6,768 |
| Cash dividends to net income (ytd only)* | 81.3953% | 879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3636% | 3,829 |
| Loan loss allowance to noncurrent loans | 32.7054% | 5,870 |
| Noncurrent assets plus other real estate owned to assets | 3.1392% | 986 |
| Noncurrent loans to loans | 4.1695% | 673 |
| Net loans and leases to total assets | 69.5679% | 2,085 |
| Net loans and leases to deposits | 122.5681% | 55 |
| Net loans and leases to core deposits | 125.4767% | 242 |
| Total domestic deposits to total assets | 56.7586% | 6,731 |
| Equity capital to assets | 20.3481% | 196 |
| Core capital (leverage) ratio | 19.3691% | 226 |
| Tier 1 risk-based capital ratio | 35.1223% | 325 |
| Total risk-based capital ratio | 36.3765% | 319 |
| Memoranda: | ||
| Average total assets | $70,603,600 | 5,455 |
| Average earning assets | $55,545,800 | 5,712 |
| Average equity | $13,128,600 | 4,238 |
| Average total loans | $54,903,200 | 4,782 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8895% | 4,543 |
| Cost of funding earning assets | 0.5864% | 2,935 |
| Net interest margin | 3.3032% | 4,624 |
| Noninterest income to average assets | 15.8922% | 48 |
| Noninterest expense to average assets | 18.2992% | 40 |
| Loan and lease loss provision to assets | 0.0889% | 3,283 |
| Net operating income to assets | 0.0593% | 6,200 |
| Return on assets (ROA) | 0.0593% | 6,259 |
| Pretax return on assets | 0.1222% | 6,190 |
| Return on Equity (ROE) | 0.3256% | 6,302 |
| Retained earnings to average equity (ytd only) | -2.5232% | 6,314 |
| Net charge-offs to loans | 0.2239% | 2,468 |
| Credit loss provision to net charge-offs | 50.0000% | 3,494 |
| Earnings coverage of net charge-offs (x) | 1.1875% | 4,450 |
| Efficiency ratio | 98.8597% | 502 |
| Assets per employee ($millions) | 0.5797% | 6,851 |
| Cash dividends to net income (ytd only)* | 874.9004% | 4 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2437% | 4,675 |
| Loan loss allowance to noncurrent loans | 35.5729% | 5,784 |
| Noncurrent assets plus other real estate owned to assets | 2.8143% | 1,319 |
| Noncurrent loans to loans | 3.4962% | 1,090 |
| Net loans and leases to total assets | 75.2092% | 1,114 |
| Net loans and leases to deposits | 124.6479% | 51 |
| Net loans and leases to core deposits | 127.5310% | 216 |
| Total domestic deposits to total assets | 60.3373% | 6,784 |
| Equity capital to assets | 20.6204% | 186 |
| Core capital (leverage) ratio | 19.6072% | 212 |
| Tier 1 risk-based capital ratio | 34.1957% | 365 |
| Total risk-based capital ratio | 35.4765% | 356 |
| Memoranda: | ||
| Average total assets | $72,008,500 | 5,472 |
| Average earning assets | $57,075,000 | 5,739 |
| Average equity | $13,105,000 | 4,290 |
| Average total loans | $57,170,750 | 4,754 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7173% | 5,091 |
| Cost of funding earning assets | 0.5558% | 3,354 |
| Net interest margin | 3.1616% | 5,078 |
| Noninterest income to average assets | 17.0743% | 45 |
| Noninterest expense to average assets | 18.5542% | 41 |
| Loan and lease loss provision to assets | 0.1278% | 2,718 |
| Net operating income to assets | 0.8358% | 3,117 |
| Return on assets (ROA) | 0.8358% | 3,272 |
| Pretax return on assets | 0.9209% | 3,830 |
| Return on Equity (ROE) | 4.7684% | 4,852 |
| Retained earnings to average equity (ytd only) | 0.5163% | 5,693 |
| Net charge-offs to loans | 0.3182% | 1,912 |
| Credit loss provision to net charge-offs | 50.0000% | 3,203 |
| Earnings coverage of net charge-offs (x) | 4.1042% | 3,213 |
| Efficiency ratio | 94.6504% | 730 |
| Assets per employee ($millions) | 0.6494% | 6,896 |
| Cash dividends to net income (ytd only)* | 89.1720% | 698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0385% | 5,672 |
| Loan loss allowance to noncurrent loans | 45.6154% | 5,396 |
| Noncurrent assets plus other real estate owned to assets | 1.9353% | 2,242 |
| Noncurrent loans to loans | 2.2766% | 2,085 |
| Net loans and leases to total assets | 78.3954% | 704 |
| Net loans and leases to deposits | 146.1427% | 20 |
| Net loans and leases to core deposits | 149.4433% | 99 |
| Total domestic deposits to total assets | 53.6431% | 6,869 |
| Equity capital to assets | 18.3014% | 300 |
| Core capital (leverage) ratio | 17.3972% | 330 |
| Tier 1 risk-based capital ratio | 31.9929% | 441 |
| Total risk-based capital ratio | 33.2439% | 433 |
| Memoranda: | ||
| Average total assets | $75,142,000 | 5,436 |
| Average earning assets | $60,096,670 | 5,693 |
| Average equity | $13,170,000 | 4,305 |
| Average total loans | $60,334,330 | 4,662 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9924% | 4,151 |
| Cost of funding earning assets | 0.5675% | 3,401 |
| Net interest margin | 3.4249% | 4,030 |
| Noninterest income to average assets | 17.3414% | 44 |
| Noninterest expense to average assets | 18.4265% | 42 |
| Loan and lease loss provision to assets | 0.1252% | 2,668 |
| Net operating income to assets | 1.4608% | 936 |
| Return on assets (ROA) | 1.4608% | 1,013 |
| Pretax return on assets | 1.5286% | 1,494 |
| Return on Equity (ROE) | 8.5113% | 2,711 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,764 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.7641% | 1,005 |
| Assets per employee ($millions) | 0.5566% | 6,975 |
| Cash dividends to net income (ytd only)* | 100.0000% | 650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3557% | 4,440 |
| Loan loss allowance to noncurrent loans | 57.9268% | 4,818 |
| Noncurrent assets plus other real estate owned to assets | 2.0021% | 2,344 |
| Noncurrent loans to loans | 2.3404% | 2,233 |
| Net loans and leases to total assets | 77.6229% | 651 |
| Net loans and leases to deposits | 124.7860% | 48 |
| Net loans and leases to core deposits | 128.4395% | 186 |
| Total domestic deposits to total assets | 62.2048% | 6,896 |
| Equity capital to assets | 21.1098% | 176 |
| Core capital (leverage) ratio | 20.0985% | 192 |
| Tier 1 risk-based capital ratio | 34.0013% | 378 |
| Total risk-based capital ratio | 35.2767% | 373 |
| Memoranda: | ||
| Average total assets | $76,672,000 | 5,445 |
| Average earning assets | $61,316,500 | 5,700 |
| Average equity | $13,159,000 | 4,357 |
| Average total loans | $61,950,500 | 4,634 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0000% | 5,305 |
| Cost of funding earning assets | 0.6932% | 3,546 |
| Net interest margin | 3.3067% | 5,224 |
| Noninterest income to average assets | 19.8436% | 41 |
| Noninterest expense to average assets | 19.4804% | 38 |
| Loan and lease loss provision to assets | 0.3974% | 1,639 |
| Net operating income to assets | 2.5909% | 137 |
| Return on assets (ROA) | 2.5909% | 149 |
| Pretax return on assets | 2.6162% | 215 |
| Return on Equity (ROE) | 15.5080% | 732 |
| Retained earnings to average equity (ytd only) | 2.7046% | 4,332 |
| Net charge-offs to loans | 0.1811% | 3,927 |
| Credit loss provision to net charge-offs | 290.7407% | 838 |
| Earnings coverage of net charge-offs (x) | 22.0463% | 1,277 |
| Efficiency ratio | 86.6025% | 1,366 |
| Assets per employee ($millions) | 0.8054% | 7,030 |
| Cash dividends to net income (ytd only)* | 82.5598% | 920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8564% | 6,381 |
| Loan loss allowance to noncurrent loans | 30.0375% | 6,065 |
| Noncurrent assets plus other real estate owned to assets | 2.4547% | 1,994 |
| Noncurrent loans to loans | 2.8511% | 1,839 |
| Net loans and leases to total assets | 81.5401% | 358 |
| Net loans and leases to deposits | 128.2167% | 46 |
| Net loans and leases to core deposits | 178.0508% | 57 |
| Total domestic deposits to total assets | 63.5955% | 6,936 |
| Equity capital to assets | 14.4592% | 891 |
| Core capital (leverage) ratio | 13.7111% | 882 |
| Tier 1 risk-based capital ratio | 26.9581% | 694 |
| Total risk-based capital ratio | 28.1960% | 686 |
| Memoranda: | ||
| Average total assets | $79,007,800 | 5,382 |
| Average earning assets | $63,325,600 | 5,628 |
| Average equity | $13,199,600 | 4,315 |
| Average total loans | $59,635,600 | 4,726 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0770% | 5,278 |
| Cost of funding earning assets | 0.7283% | 3,535 |
| Net interest margin | 3.3487% | 5,218 |
| Noninterest income to average assets | 19.6326% | 41 |
| Noninterest expense to average assets | 19.4537% | 37 |
| Loan and lease loss provision to assets | 0.4175% | 1,534 |
| Net operating income to assets | 2.4313% | 198 |
| Return on assets (ROA) | 2.4313% | 215 |
| Pretax return on assets | 2.4313% | 326 |
| Return on Equity (ROE) | 13.9893% | 1,115 |
| Retained earnings to average equity (ytd only) | 12.0716% | 515 |
| Net charge-offs to loans | 0.2579% | 3,183 |
| Credit loss provision to net charge-offs | 220.3704% | 1,261 |
| Earnings coverage of net charge-offs (x) | 15.0367% | 1,797 |
| Efficiency ratio | 87.2267% | 1,279 |
| Assets per employee ($millions) | 0.7814% | 7,129 |
| Cash dividends to net income (ytd only)* | 13.7087% | 3,303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9767% | 6,168 |
| Loan loss allowance to noncurrent loans | 26.7266% | 6,278 |
| Noncurrent assets plus other real estate owned to assets | 2.8699% | 1,829 |
| Noncurrent loans to loans | 3.6545% | 1,472 |
| Net loans and leases to total assets | 69.1603% | 2,077 |
| Net loans and leases to deposits | 100.1924% | 423 |
| Net loans and leases to core deposits | 153.8681% | 98 |
| Total domestic deposits to total assets | 69.0275% | 6,882 |
| Equity capital to assets | 16.9007% | 476 |
| Core capital (leverage) ratio | 15.3367% | 562 |
| Tier 1 risk-based capital ratio | 30.5468% | 504 |
| Total risk-based capital ratio | 31.8209% | 492 |
| Memoranda: | ||
| Average total assets | $76,007,750 | 5,518 |
| Average earning assets | $60,598,500 | 5,785 |
| Average equity | $13,209,750 | 4,357 |
| Average total loans | $55,832,250 | 4,925 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1250% | 5,224 |
| Cost of funding earning assets | 0.7801% | 3,364 |
| Net interest margin | 3.3449% | 5,287 |
| Noninterest income to average assets | 16.7084% | 49 |
| Noninterest expense to average assets | 18.0049% | 46 |
| Loan and lease loss provision to assets | 0.3445% | 1,913 |
| Net operating income to assets | 0.9873% | 2,523 |
| Return on assets (ROA) | 0.9873% | 2,752 |
| Pretax return on assets | 0.9873% | 3,754 |
| Return on Equity (ROE) | 5.6229% | 4,516 |
| Retained earnings to average equity (ytd only) | 5.6229% | 2,916 |
| Net charge-offs to loans | 0.2212% | 3,247 |
| Credit loss provision to net charge-offs | 208.1967% | 1,358 |
| Earnings coverage of net charge-offs (x) | 8.0492% | 2,369 |
| Efficiency ratio | 93.1126% | 855 |
| Assets per employee ($millions) | 0.6715% | 7,198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9569% | 6,308 |
| Loan loss allowance to noncurrent loans | 29.6625% | 6,174 |
| Noncurrent assets plus other real estate owned to assets | 2.8295% | 1,946 |
| Noncurrent loans to loans | 3.2261% | 1,803 |
| Net loans and leases to total assets | 76.4583% | 910 |
| Net loans and leases to deposits | 106.2408% | 225 |
| Net loans and leases to core deposits | 142.7698% | 134 |
| Total domestic deposits to total assets | 71.9670% | 6,802 |
| Equity capital to assets | 19.4132% | 257 |
| Core capital (leverage) ratio | 18.4646% | 273 |
| Tier 1 risk-based capital ratio | 31.9918% | 438 |
| Total risk-based capital ratio | 33.2429% | 434 |
| Memoranda: | ||
| Average total assets | $73,735,330 | 5,610 |
| Average earning assets | $57,939,000 | 5,910 |
| Average equity | $12,947,000 | 4,403 |
| Average total loans | $55,160,670 | 4,983 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1914% | 5,137 |
| Cost of funding earning assets | 0.7855% | 3,583 |
| Net interest margin | 3.4059% | 5,096 |
| Noninterest income to average assets | 15.5581% | 48 |
| Noninterest expense to average assets | 17.7956% | 40 |
| Loan and lease loss provision to assets | 0.0782% | 4,422 |
| Net operating income to assets | 0.3755% | 5,363 |
| Return on assets (ROA) | 0.3755% | 5,547 |
| Pretax return on assets | 0.3755% | 5,797 |
| Return on Equity (ROE) | 2.2434% | 5,991 |
| Retained earnings to average equity (ytd only) | 2.2434% | 5,135 |
| Net charge-offs to loans | -0.1202% | 6,855 |
| Credit loss provision to net charge-offs | -88.2353% | 5,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.5136% | 656 |
| Assets per employee ($millions) | 0.7910% | 7,257 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8464% | 6,649 |
| Loan loss allowance to noncurrent loans | 24.0474% | 6,419 |
| Noncurrent assets plus other real estate owned to assets | 2.6130% | 2,264 |
| Noncurrent loans to loans | 3.5198% | 1,773 |
| Net loans and leases to total assets | 69.1579% | 1,920 |
| Net loans and leases to deposits | 89.1747% | 1,045 |
| Net loans and leases to core deposits | 135.4478% | 164 |
| Total domestic deposits to total assets | 77.5533% | 6,326 |
| Equity capital to assets | 16.2750% | 536 |
| Core capital (leverage) ratio | 14.6534% | 663 |
| Tier 1 risk-based capital ratio | 27.6983% | 668 |
| Total risk-based capital ratio | 28.8359% | 659 |
| Memoranda: | ||
| Average total assets | $76,693,000 | 5,574 |
| Average earning assets | $60,600,500 | 5,851 |
| Average equity | $12,837,500 | 4,429 |
| Average total loans | $56,563,500 | 4,960 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9905% | 6,469 |
| Cost of funding earning assets | 0.8737% | 4,299 |
| Net interest margin | 3.1168% | 6,307 |
| Noninterest income to average assets | 1.4895% | 586 |
| Noninterest expense to average assets | 14.5785% | 46 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | -10.6696% | 7,352 |
| Return on assets (ROA) | -0.5609% | 6,571 |
| Pretax return on assets | -0.5074% | 6,499 |
| Return on Equity (ROE) | -3.4638% | 6,438 |
| Retained earnings to average equity (ytd only) | -10.9612% | 6,728 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 367.9228% | 18 |
| Assets per employee ($millions) | 0.7283% | 7,311 |
| Cash dividends to net income (ytd only)* | -216.4502% | 7,334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7506% | 6,835 |
| Loan loss allowance to noncurrent loans | 19.7907% | 6,625 |
| Noncurrent assets plus other real estate owned to assets | 3.3413% | 1,771 |
| Noncurrent loans to loans | 3.7927% | 1,655 |
| Net loans and leases to total assets | 77.4323% | 783 |
| Net loans and leases to deposits | 109.7942% | 175 |
| Net loans and leases to core deposits | 148.4246% | 138 |
| Total domestic deposits to total assets | 70.5249% | 6,959 |
| Equity capital to assets | 17.2327% | 421 |
| Core capital (leverage) ratio | 15.4445% | 537 |
| Tier 1 risk-based capital ratio | 27.9966% | 624 |
| Total risk-based capital ratio | 29.0811% | 624 |
| Memoranda: | ||
| Average total assets | $82,374,600 | 5,388 |
| Average earning assets | $65,355,600 | 5,692 |
| Average equity | $13,338,000 | 4,271 |
| Average total loans | $65,528,200 | 4,651 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8488% | 6,788 |
| Cost of funding earning assets | 0.8914% | 4,460 |
| Net interest margin | 2.9574% | 6,654 |
| Noninterest income to average assets | 1.3728% | 691 |
| Noninterest expense to average assets | 13.4772% | 52 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | -9.7915% | 7,428 |
| Return on assets (ROA) | -0.7536% | 6,813 |
| Pretax return on assets | -0.7077% | 6,739 |
| Return on Equity (ROE) | -4.7207% | 6,667 |
| Retained earnings to average equity (ytd only) | -14.6173% | 6,979 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 361.1770% | 14 |
| Assets per employee ($millions) | 0.7337% | 7,390 |
| Cash dividends to net income (ytd only)* | -209.6450% | 7,411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7782% | 6,855 |
| Loan loss allowance to noncurrent loans | 54.5113% | 4,733 |
| Noncurrent assets plus other real estate owned to assets | 1.4241% | 3,990 |
| Noncurrent loans to loans | 1.4277% | 4,150 |
| Net loans and leases to total assets | 77.1288% | 822 |
| Net loans and leases to deposits | 128.9371% | 52 |
| Net loans and leases to core deposits | 143.5586% | 164 |
| Total domestic deposits to total assets | 59.8189% | 7,304 |
| Equity capital to assets | 17.7813% | 420 |
| Core capital (leverage) ratio | 16.8691% | 413 |
| Tier 1 risk-based capital ratio | 29.3218% | 582 |
| Total risk-based capital ratio | 30.3849% | 576 |
| Memoranda: | ||
| Average total assets | $84,397,500 | 5,369 |
| Average earning assets | $67,309,000 | 5,674 |
| Average equity | $13,472,250 | 4,249 |
| Average total loans | $67,421,750 | 4,615 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6527% | 7,055 |
| Cost of funding earning assets | 0.9118% | 4,573 |
| Net interest margin | 2.7409% | 6,983 |
| Noninterest income to average assets | 1.4973% | 576 |
| Noninterest expense to average assets | 13.0464% | 55 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | -9.3947% | 7,496 |
| Return on assets (ROA) | -0.9733% | 6,942 |
| Pretax return on assets | -0.9349% | 6,872 |
| Return on Equity (ROE) | -6.2915% | 6,794 |
| Retained earnings to average equity (ytd only) | -13.5902% | 6,993 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 353.5496% | 17 |
| Assets per employee ($millions) | 0.6856% | 7,465 |
| Cash dividends to net income (ytd only)* | -116.0093% | 7,485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7251% | 6,987 |
| Loan loss allowance to noncurrent loans | 54.3071% | 4,766 |
| Noncurrent assets plus other real estate owned to assets | 1.4466% | 4,043 |
| Noncurrent loans to loans | 1.3352% | 4,419 |
| Net loans and leases to total assets | 79.6994% | 560 |
| Net loans and leases to deposits | 127.0739% | 64 |
| Net loans and leases to core deposits | 160.2459% | 123 |
| Total domestic deposits to total assets | 62.7190% | 7,334 |
| Equity capital to assets | 17.8396% | 396 |
| Core capital (leverage) ratio | 16.9629% | 408 |
| Tier 1 risk-based capital ratio | 29.0640% | 594 |
| Total risk-based capital ratio | 30.0721% | 597 |
| Memoranda: | ||
| Average total assets | $88,561,000 | 5,298 |
| Average earning assets | $70,852,330 | 5,602 |
| Average equity | $13,701,000 | 4,180 |
| Average total loans | $71,263,670 | 4,528 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4410% | 7,243 |
| Cost of funding earning assets | 0.9361% | 4,681 |
| Net interest margin | 2.5050% | 7,196 |
| Noninterest income to average assets | 0.5279% | 3,666 |
| Noninterest expense to average assets | 12.6144% | 57 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -10.1049% | 7,555 |
| Return on assets (ROA) | -1.0432% | 7,063 |
| Pretax return on assets | -1.0180% | 7,006 |
| Return on Equity (ROE) | -7.1727% | 6,925 |
| Retained earnings to average equity (ytd only) | -21.5757% | 7,180 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 497.6860% | 8 |
| Assets per employee ($millions) | 0.5578% | 7,529 |
| Cash dividends to net income (ytd only)* | -200.8032% | 7,550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7706% | 6,970 |
| Loan loss allowance to noncurrent loans | 68.9382% | 3,969 |
| Noncurrent assets plus other real estate owned to assets | 1.0390% | 4,834 |
| Noncurrent loans to loans | 1.1179% | 4,838 |
| Net loans and leases to total assets | 73.2927% | 1,458 |
| Net loans and leases to deposits | 97.7300% | 587 |
| Net loans and leases to core deposits | 146.4991% | 169 |
| Total domestic deposits to total assets | 74.9951% | 6,795 |
| Equity capital to assets | 17.6797% | 387 |
| Core capital (leverage) ratio | 16.7240% | 417 |
| Tier 1 risk-based capital ratio | 30.7621% | 487 |
| Total risk-based capital ratio | 31.8213% | 488 |
| Memoranda: | ||
| Average total assets | $95,478,000 | 5,116 |
| Average earning assets | $76,488,500 | 5,460 |
| Average equity | $13,886,000 | 4,128 |
| Average total loans | $76,899,500 | 4,360 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6895% | 5,836 |
| Cost of funding earning assets | 1.0129% | 5,625 |
| Net interest margin | 3.6767% | 4,456 |
| Noninterest income to average assets | 3.7383% | 180 |
| Noninterest expense to average assets | 18.3255% | 42 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | -10.5387% | 7,641 |
| Return on assets (ROA) | 0.9549% | 2,313 |
| Pretax return on assets | 1.0437% | 2,797 |
| Return on Equity (ROE) | 6.3543% | 3,417 |
| Retained earnings to average equity (ytd only) | 2.7066% | 3,964 |
| Net charge-offs to loans | -0.0441% | 7,435 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 271.9375% | 38 |
| Assets per employee ($millions) | 0.8066% | 7,603 |
| Cash dividends to net income (ytd only)* | 57.4053% | 1,739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4468% | 7,395 |
| Loan loss allowance to noncurrent loans | 59.1837% | 4,477 |
| Noncurrent assets plus other real estate owned to assets | 0.7840% | 5,446 |
| Noncurrent loans to loans | 0.7550% | 5,533 |
| Net loans and leases to total assets | 84.6187% | 257 |
| Net loans and leases to deposits | 112.8528% | 190 |
| Net loans and leases to core deposits | 325.8843% | 43 |
| Total domestic deposits to total assets | 74.9814% | 6,774 |
| Equity capital to assets | 12.4512% | 1,665 |
| Core capital (leverage) ratio | 11.4344% | 1,874 |
| Tier 1 risk-based capital ratio | 23.4550% | 988 |
| Total risk-based capital ratio | 24.2431% | 1,019 |
| Memoranda: | ||
| Average total assets | $91,217,000 | 5,253 |
| Average earning assets | $74,442,200 | 5,527 |
| Average equity | $13,707,200 | 4,211 |
| Average total loans | $74,827,600 | 4,494 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5046% | 6,598 |
| Cost of funding earning assets | 1.0424% | 5,730 |
| Net interest margin | 3.4622% | 5,445 |
| Noninterest income to average assets | 5.0592% | 136 |
| Noninterest expense to average assets | 17.8679% | 44 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | -8.9180% | 7,737 |
| Return on assets (ROA) | 0.5918% | 4,074 |
| Pretax return on assets | 0.6667% | 4,362 |
| Return on Equity (ROE) | 3.7241% | 4,906 |
| Retained earnings to average equity (ytd only) | -1.1890% | 6,047 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 227.6308% | 54 |
| Assets per employee ($millions) | 0.8103% | 7,708 |
| Cash dividends to net income (ytd only)* | 131.9263% | 175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4148% | 7,520 |
| Loan loss allowance to noncurrent loans | 94.1452% | 2,932 |
| Noncurrent assets plus other real estate owned to assets | 0.5164% | 6,135 |
| Noncurrent loans to loans | 0.4406% | 6,315 |
| Net loans and leases to total assets | 84.4632% | 303 |
| Net loans and leases to deposits | 119.7375% | 114 |
| Net loans and leases to core deposits | 289.0093% | 51 |
| Total domestic deposits to total assets | 70.5404% | 7,247 |
| Equity capital to assets | 12.0508% | 2,127 |
| Core capital (leverage) ratio | 10.2272% | 3,008 |
| Tier 1 risk-based capital ratio | 21.5471% | 1,274 |
| Total risk-based capital ratio | 22.3038% | 1,325 |
| Memoranda: | ||
| Average total assets | $85,387,500 | 5,488 |
| Average earning assets | $68,817,250 | 5,779 |
| Average equity | $13,568,750 | 4,313 |
| Average total loans | $69,196,250 | 4,789 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3102% | 7,034 |
| Cost of funding earning assets | 1.1212% | 5,568 |
| Net interest margin | 3.1890% | 6,354 |
| Noninterest income to average assets | 5.9527% | 115 |
| Noninterest expense to average assets | 16.7388% | 48 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | -8.3206% | 7,790 |
| Return on assets (ROA) | -0.0607% | 6,258 |
| Pretax return on assets | -0.0185% | 6,170 |
| Return on Equity (ROE) | -0.3407% | 6,221 |
| Retained earnings to average equity (ytd only) | -7.7470% | 6,794 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 197.8471% | 102 |
| Assets per employee ($millions) | 0.7257% | 7,784 |
| Cash dividends to net income (ytd only)* | -2,173.9130% | 7,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5327% | 7,478 |
| Loan loss allowance to noncurrent loans | 108.3558% | 2,567 |
| Noncurrent assets plus other real estate owned to assets | 0.5840% | 6,027 |
| Noncurrent loans to loans | 0.4916% | 6,265 |
| Net loans and leases to total assets | 82.0961% | 520 |
| Net loans and leases to deposits | 135.5416% | 60 |
| Net loans and leases to core deposits | 205.8886% | 86 |
| Total domestic deposits to total assets | 60.5689% | 7,649 |
| Equity capital to assets | 14.6186% | 971 |
| Core capital (leverage) ratio | 13.0361% | 1,199 |
| Tier 1 risk-based capital ratio | 26.9586% | 703 |
| Total risk-based capital ratio | 27.8846% | 715 |
| Memoranda: | ||
| Average total assets | $75,764,000 | 5,808 |
| Average earning assets | $59,580,000 | 6,115 |
| Average equity | $13,502,000 | 4,322 |
| Average total loans | $59,959,000 | 5,177 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5384% | 6,704 |
| Cost of funding earning assets | 1.2967% | 4,834 |
| Net interest margin | 3.2417% | 6,158 |
| Noninterest income to average assets | 6.1478% | 116 |
| Noninterest expense to average assets | 17.7426% | 44 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | -9.1392% | 7,882 |
| Return on assets (ROA) | -0.8067% | 7,034 |
| Pretax return on assets | -0.7891% | 6,942 |
| Return on Equity (ROE) | -4.0385% | 6,822 |
| Retained earnings to average equity (ytd only) | -18.7774% | 7,338 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 205.8060% | 92 |
| Assets per employee ($millions) | 0.5162% | 7,891 |
| Cash dividends to net income (ytd only)* | -364.9635% | 7,910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8080% | 7,108 |
| Loan loss allowance to noncurrent loans | 47.3498% | 5,185 |
| Noncurrent assets plus other real estate owned to assets | 2.2565% | 3,205 |
| Noncurrent loans to loans | 1.7064% | 4,183 |
| Net loans and leases to total assets | 76.4878% | 1,436 |
| Net loans and leases to deposits | 126.1580% | 95 |
| Net loans and leases to core deposits | 132.6016% | 425 |
| Total domestic deposits to total assets | 60.6286% | 7,750 |
| Equity capital to assets | 20.5365% | 261 |
| Core capital (leverage) ratio | 19.5061% | 280 |
| Tier 1 risk-based capital ratio | 34.6496% | 363 |
| Total risk-based capital ratio | 35.7707% | 361 |
| Memoranda: | ||
| Average total assets | $67,927,000 | 6,109 |
| Average earning assets | $51,825,000 | 6,483 |
| Average equity | $13,569,500 | 4,337 |
| Average total loans | $52,204,000 | 5,572 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2212% | 5,548 |
| Cost of funding earning assets | 2.0295% | 2,827 |
| Net interest margin | 3.1916% | 6,121 |
| Noninterest income to average assets | 14.8870% | 50 |
| Noninterest expense to average assets | 19.9882% | 46 |
| Loan and lease loss provision to assets | 0.5607% | 3,570 |
| Net operating income to assets | -3.0614% | 7,408 |
| Return on assets (ROA) | 4.1907% | 37 |
| Pretax return on assets | 4.2227% | 51 |
| Return on Equity (ROE) | 23.8348% | 111 |
| Retained earnings to average equity (ytd only) | 20.0383% | 36 |
| Net charge-offs to loans | 0.6013% | 3,415 |
| Credit loss provision to net charge-offs | 118.6441% | 4,539 |
| Earnings coverage of net charge-offs (x) | -5.3785% | 7,114 |
| Efficiency ratio | 114.5699% | 697 |
| Assets per employee ($millions) | 0.5994% | 7,970 |
| Cash dividends to net income (ytd only)* | 15.9286% | 3,769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7355% | 7,297 |
| Loan loss allowance to noncurrent loans | 23.8152% | 6,863 |
| Noncurrent assets plus other real estate owned to assets | 2.9945% | 2,340 |
| Noncurrent loans to loans | 3.0886% | 2,478 |
| Net loans and leases to total assets | 76.0564% | 1,785 |
| Net loans and leases to deposits | 139.1301% | 63 |
| Net loans and leases to core deposits | 181.2051% | 156 |
| Total domestic deposits to total assets | 54.6656% | 7,868 |
| Equity capital to assets | 19.4701% | 332 |
| Core capital (leverage) ratio | 18.5486% | 365 |
| Tier 1 risk-based capital ratio | 34.3487% | 357 |
| Total risk-based capital ratio | 35.4042% | 356 |
| Memoranda: | ||
| Average total assets | $74,904,200 | 5,874 |
| Average earning assets | $60,063,200 | 6,124 |
| Average equity | $13,169,800 | 4,469 |
| Average total loans | $58,875,800 | 5,303 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3128% | 5,360 |
| Cost of funding earning assets | 2.1177% | 2,813 |
| Net interest margin | 3.1950% | 6,040 |
| Noninterest income to average assets | 16.6931% | 48 |
| Noninterest expense to average assets | 19.8893% | 53 |
| Loan and lease loss provision to assets | 0.6948% | 2,652 |
| Net operating income to assets | -1.2707% | 7,000 |
| Return on assets (ROA) | 5.2788% | 29 |
| Pretax return on assets | 5.3175% | 37 |
| Return on Equity (ROE) | 30.8018% | 53 |
| Retained earnings to average equity (ytd only) | 25.6699% | 26 |
| Net charge-offs to loans | 0.3693% | 3,806 |
| Credit loss provision to net charge-offs | 237.9518% | 1,839 |
| Earnings coverage of net charge-offs (x) | -2.0662% | 6,749 |
| Efficiency ratio | 103.1284% | 947 |
| Assets per employee ($millions) | 0.6053% | 8,054 |
| Cash dividends to net income (ytd only)* | 16.6611% | 3,341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0622% | 5,950 |
| Loan loss allowance to noncurrent loans | 35.7821% | 6,017 |
| Noncurrent assets plus other real estate owned to assets | 2.8857% | 2,408 |
| Noncurrent loans to loans | 2.9687% | 2,547 |
| Net loans and leases to total assets | 71.2618% | 3,206 |
| Net loans and leases to deposits | 103.2207% | 831 |
| Net loans and leases to core deposits | 165.5780% | 309 |
| Total domestic deposits to total assets | 69.0383% | 7,493 |
| Equity capital to assets | 18.6198% | 453 |
| Core capital (leverage) ratio | 17.5717% | 493 |
| Tier 1 risk-based capital ratio | 33.2330% | 431 |
| Total risk-based capital ratio | 34.4834% | 420 |
| Memoranda: | ||
| Average total assets | $75,797,750 | 5,880 |
| Average earning assets | $61,510,500 | 6,122 |
| Average equity | $12,990,250 | 4,540 |
| Average total loans | $59,931,500 | 5,293 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7605% | 3,246 |
| Cost of funding earning assets | 2.1558% | 3,009 |
| Net interest margin | 3.6047% | 4,341 |
| Noninterest income to average assets | 20.7905% | 43 |
| Noninterest expense to average assets | 21.9102% | 54 |
| Loan and lease loss provision to assets | 1.0334% | 1,640 |
| Net operating income to assets | 0.7955% | 2,873 |
| Return on assets (ROA) | 7.5476% | 20 |
| Pretax return on assets | 7.6025% | 26 |
| Return on Equity (ROE) | 45.3011% | 22 |
| Retained earnings to average equity (ytd only) | 45.3011% | 13 |
| Net charge-offs to loans | 0.4664% | 2,964 |
| Credit loss provision to net charge-offs | 272.4138% | 1,717 |
| Earnings coverage of net charge-offs (x) | 4.7862% | 3,002 |
| Efficiency ratio | 92.3476% | 1,615 |
| Assets per employee ($millions) | 0.6953% | 8,147 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8778% | 6,859 |
| Loan loss allowance to noncurrent loans | 28.4328% | 6,602 |
| Noncurrent assets plus other real estate owned to assets | 3.0553% | 2,072 |
| Noncurrent loans to loans | 3.0873% | 2,326 |
| Net loans and leases to total assets | 76.7547% | 2,000 |
| Net loans and leases to deposits | 112.9121% | 449 |
| Net loans and leases to core deposits | 212.5088% | 92 |
| Total domestic deposits to total assets | 67.9774% | 7,628 |
| Equity capital to assets | 16.3947% | 773 |
| Core capital (leverage) ratio | 15.6195% | 804 |
| Tier 1 risk-based capital ratio | 31.6334% | 512 |
| Total risk-based capital ratio | 32.8829% | 502 |
| Memoranda: | ||
| Average total assets | $76,448,330 | 5,904 |
| Average earning assets | $62,251,670 | 6,137 |
| Average equity | $12,737,000 | 4,614 |
| Average total loans | $62,179,000 | 5,249 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9129% | 2,737 |
| Cost of funding earning assets | 2.2442% | 2,941 |
| Net interest margin | 3.6687% | 4,026 |
| Noninterest income to average assets | 20.0931% | 43 |
| Noninterest expense to average assets | 21.1774% | 54 |
| Loan and lease loss provision to assets | 0.4751% | 2,576 |
| Net operating income to assets | 1.4662% | 1,005 |
| Return on assets (ROA) | 8.8365% | 20 |
| Pretax return on assets | 8.9371% | 23 |
| Return on Equity (ROE) | 52.5315% | 22 |
| Retained earnings to average equity (ytd only) | 52.5315% | 15 |
| Net charge-offs to loans | 0.2004% | 3,436 |
| Credit loss provision to net charge-offs | 283.3333% | 1,702 |
| Earnings coverage of net charge-offs (x) | 11.7333% | 1,858 |
| Efficiency ratio | 91.4996% | 1,609 |
| Assets per employee ($millions) | 0.7796% | 8,198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6379% | 7,588 |
| Loan loss allowance to noncurrent loans | 32.3102% | 6,389 |
| Noncurrent assets plus other real estate owned to assets | 2.1806% | 2,623 |
| Noncurrent loans to loans | 1.9745% | 3,297 |
| Net loans and leases to total assets | 80.7206% | 1,253 |
| Net loans and leases to deposits | 111.2518% | 557 |
| Net loans and leases to core deposits | 236.0691% | 81 |
| Total domestic deposits to total assets | 72.5567% | 7,123 |
| Equity capital to assets | 16.6233% | 777 |
| Core capital (leverage) ratio | 15.5576% | 854 |
| Tier 1 risk-based capital ratio | 29.8474% | 625 |
| Total risk-based capital ratio | 30.8544% | 627 |
| Memoranda: | ||
| Average total assets | $71,567,000 | 6,082 |
| Average earning assets | $59,530,500 | 6,280 |
| Average equity | $12,038,500 | 4,823 |
| Average total loans | $59,890,000 | 5,365 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5997% | 7,066 |
| Cost of funding earning assets | 2.3856% | 4,781 |
| Net interest margin | 3.2141% | 6,330 |
| Noninterest income to average assets | 5.1874% | 123 |
| Noninterest expense to average assets | 14.1909% | 81 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | -6.3936% | 8,168 |
| Return on assets (ROA) | -0.5959% | 6,891 |
| Pretax return on assets | -0.4900% | 6,647 |
| Return on Equity (ROE) | -2.9162% | 6,610 |
| Retained earnings to average equity (ytd only) | -2.9162% | 6,086 |
| Net charge-offs to loans | 0.0861% | 5,518 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | -87.5750% | 7,002 |
| Efficiency ratio | 179.5594% | 247 |
| Assets per employee ($millions) | 0.7669% | 8,252 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6395% | 7,579 |
| Loan loss allowance to noncurrent loans | 25.8316% | 6,947 |
| Noncurrent assets plus other real estate owned to assets | 2.2683% | 2,148 |
| Noncurrent loans to loans | 2.4755% | 2,206 |
| Net loans and leases to total assets | 85.9915% | 605 |
| Net loans and leases to deposits | 135.8712% | 141 |
| Net loans and leases to core deposits | 224.2280% | 104 |
| Total domestic deposits to total assets | 63.2890% | 7,825 |
| Equity capital to assets | 17.0531% | 772 |
| Core capital (leverage) ratio | 15.9972% | 825 |
| Tier 1 risk-based capital ratio | 29.9153% | 648 |
| Total risk-based capital ratio | 30.9634% | 636 |
| Memoranda: | ||
| Average total assets | $55,711,800 | 6,544 |
| Average earning assets | $47,073,600 | 6,707 |
| Average equity | $11,384,600 | 5,009 |
| Average total loans | $46,438,400 | 5,858 |