Home > First Investors Federal Savings Bank > Performance and Condition Ratios
First Investors Federal Savings Bank, Performance and Condition Ratios
| 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 | 1.2285% | 7,401 |
| Cost of funding earning assets | 0.0000% | 7,423 |
| Net interest margin | 1.2285% | 7,384 |
| Noninterest income to average assets | 10.9925% | 60 |
| Noninterest expense to average assets | 12.0757% | 60 |
| Loan and lease loss provision to assets | 0.2145% | 3,877 |
| Net operating income to assets | -0.1019% | 6,287 |
| Return on assets (ROA) | -0.2091% | 6,474 |
| Pretax return on assets | -0.1984% | 6,410 |
| Return on Equity (ROE) | -0.6476% | 6,338 |
| Retained earnings to average equity (ytd only) | -83.6675% | 7,362 |
| Net charge-offs to loans | 0.4666% | 2,872 |
| Credit loss provision to net charge-offs | 2,000.0000% | 133 |
| Earnings coverage of net charge-offs (x) | 11.4869% | 1,803 |
| Efficiency ratio | 98.9890% | 696 |
| Assets per employee ($millions) | 4.7720% | 2,516 |
| Cash dividends to net income (ytd only)* | -12,820.1923% | 7,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 19.6226% | 3 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 8.9271% | 7,370 |
| Net loans and leases to deposits | 98.6111% | 543 |
| Net loans and leases to core deposits | 98.6111% | 1,379 |
| Total domestic deposits to total assets | 9.0528% | 7,414 |
| Equity capital to assets | 88.4116% | 15 |
| Core capital (leverage) ratio | 88.5612% | 11 |
| Tier 1 risk-based capital ratio | 385.6881% | 12 |
| Total risk-based capital ratio | 386.9725% | 12 |
| Memoranda: | ||
| Average total assets | $24,864,750 | 7,175 |
| Average earning assets | $24,419,500 | 7,101 |
| Average equity | $8,030,000 | 5,589 |
| Average total loans | $572,250 | 7,392 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2353% | 7,478 |
| Cost of funding earning assets | 0.0000% | 7,493 |
| Net interest margin | 1.2353% | 7,462 |
| Noninterest income to average assets | 9.1882% | 71 |
| Noninterest expense to average assets | 10.0309% | 74 |
| Loan and lease loss provision to assets | 0.2725% | 3,211 |
| Net operating income to assets | 0.0887% | 6,046 |
| Return on assets (ROA) | -0.0380% | 6,339 |
| Pretax return on assets | -0.0253% | 6,287 |
| Return on Equity (ROE) | -0.1290% | 6,316 |
| Retained earnings to average equity (ytd only) | -0.1290% | 5,862 |
| Net charge-offs to loans | 0.6822% | 2,135 |
| Credit loss provision to net charge-offs | 2,150.0000% | 152 |
| Earnings coverage of net charge-offs (x) | 29.5000% | 930 |
| Efficiency ratio | 96.4068% | 860 |
| Assets per employee ($millions) | 3.9627% | 3,837 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 19.0476% | 4 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 3.8610% | 7,459 |
| Net loans and leases to deposits | 18.6131% | 7,416 |
| Net loans and leases to core deposits | 18.6131% | 7,413 |
| Total domestic deposits to total assets | 20.7436% | 7,469 |
| Equity capital to assets | 77.8600% | 30 |
| Core capital (leverage) ratio | 77.9081% | 24 |
| Tier 1 risk-based capital ratio | 420.9663% | 12 |
| Total risk-based capital ratio | 421.8323% | 12 |
| Memoranda: | ||
| Average total assets | $31,562,330 | 7,055 |
| Average earning assets | $31,086,670 | 6,964 |
| Average equity | $9,300,330 | 5,237 |
| Average total loans | $586,330 | 7,469 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.0962% | 7,541 |
| Cost of funding earning assets | 0.0000% | 7,555 |
| Net interest margin | 1.0962% | 7,529 |
| Noninterest income to average assets | 7.2755% | 97 |
| Noninterest expense to average assets | 7.3624% | 131 |
| Loan and lease loss provision to assets | 0.0097% | 5,779 |
| Net operating income to assets | 0.5990% | 4,031 |
| Return on assets (ROA) | 0.5990% | 4,098 |
| Pretax return on assets | 0.9855% | 3,178 |
| Return on Equity (ROE) | 2.6602% | 5,539 |
| Retained earnings to average equity (ytd only) | 2.6602% | 4,571 |
| Net charge-offs to loans | 1.3423% | 1,035 |
| Credit loss provision to net charge-offs | 50.0000% | 3,744 |
| Earnings coverage of net charge-offs (x) | 51.5000% | 562 |
| Efficiency ratio | 88.0925% | 1,508 |
| Assets per employee ($millions) | 8.2092% | 439 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 11.2628% | 15 |
| Loan loss allowance to noncurrent loans | 314.2857% | 988 |
| Noncurrent assets plus other real estate owned to assets | 0.0512% | 7,036 |
| Noncurrent loans to loans | 3.5836% | 2,074 |
| Net loans and leases to total assets | 1.2669% | 7,527 |
| Net loans and leases to deposits | 1.6582% | 7,529 |
| Net loans and leases to core deposits | 1.6582% | 7,516 |
| Total domestic deposits to total assets | 76.4021% | 6,615 |
| Equity capital to assets | 22.7866% | 150 |
| Core capital (leverage) ratio | 22.7126% | 145 |
| Tier 1 risk-based capital ratio | 127.6444% | 46 |
| Total risk-based capital ratio | 128.5499% | 45 |
| Memoranda: | ||
| Average total assets | $41,399,500 | 6,780 |
| Average earning assets | $40,867,500 | 6,651 |
| Average equity | $9,322,500 | 5,223 |
| Average total loans | $596,000 | 7,528 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7030% | 7,580 |
| Cost of funding earning assets | 0.0000% | 7,641 |
| Net interest margin | 1.7030% | 7,522 |
| Noninterest income to average assets | 6.7089% | 98 |
| Noninterest expense to average assets | 6.5726% | 182 |
| Loan and lease loss provision to assets | 0.2255% | 5,020 |
| Net operating income to assets | 0.9504% | 2,200 |
| Return on assets (ROA) | 0.9655% | 2,267 |
| Pretax return on assets | 1.5927% | 1,145 |
| Return on Equity (ROE) | 4.5181% | 4,291 |
| Retained earnings to average equity (ytd only) | 4.5181% | 2,711 |
| Net charge-offs to loans | 3.1863% | 498 |
| Credit loss provision to net charge-offs | 184.6154% | 1,781 |
| Earnings coverage of net charge-offs (x) | 14.6923% | 1,322 |
| Efficiency ratio | 78.5514% | 2,606 |
| Assets per employee ($millions) | 8.3506% | 421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 10.8911% | 17 |
| Loan loss allowance to noncurrent loans | 314.2857% | 990 |
| Noncurrent assets plus other real estate owned to assets | 0.0503% | 7,108 |
| Noncurrent loans to loans | 3.4653% | 2,184 |
| Net loans and leases to total assets | 1.2933% | 7,609 |
| Net loans and leases to deposits | 1.6713% | 7,610 |
| Net loans and leases to core deposits | 1.6713% | 7,595 |
| Total domestic deposits to total assets | 77.3837% | 6,420 |
| Equity capital to assets | 22.2547% | 174 |
| Core capital (leverage) ratio | 22.1809% | 165 |
| Tier 1 risk-based capital ratio | 125.6525% | 46 |
| Total risk-based capital ratio | 126.5498% | 46 |
| Memoranda: | ||
| Average total assets | $42,570,400 | 6,782 |
| Average earning assets | $41,456,600 | 6,658 |
| Average equity | $9,096,800 | 5,396 |
| Average total loans | $1,632,000 | 7,605 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9591% | 7,693 |
| Cost of funding earning assets | 0.0000% | 7,745 |
| Net interest margin | 1.9591% | 7,588 |
| Noninterest income to average assets | 6.6393% | 103 |
| Noninterest expense to average assets | 6.4491% | 188 |
| Loan and lease loss provision to assets | -0.0125% | 7,675 |
| Net operating income to assets | 1.2624% | 1,434 |
| Return on assets (ROA) | 1.2624% | 1,515 |
| Pretax return on assets | 2.1040% | 495 |
| Return on Equity (ROE) | 5.9681% | 3,828 |
| Retained earnings to average equity (ytd only) | 5.9681% | 2,373 |
| Net charge-offs to loans | 0.0704% | 5,806 |
| Credit loss provision to net charge-offs | -400.0000% | 6,999 |
| Earnings coverage of net charge-offs (x) | 672.6617% | 41 |
| Efficiency ratio | 75.5109% | 3,038 |
| Assets per employee ($millions) | 8.4968% | 417 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0243% | 6,287 |
| Loan loss allowance to noncurrent loans | 32.0000% | 6,210 |
| Noncurrent assets plus other real estate owned to assets | 0.1177% | 7,062 |
| Noncurrent loans to loans | 3.2010% | 2,487 |
| Net loans and leases to total assets | 3.6390% | 7,708 |
| Net loans and leases to deposits | 4.7242% | 7,711 |
| Net loans and leases to core deposits | 4.7242% | 7,694 |
| Total domestic deposits to total assets | 77.0290% | 6,471 |
| Equity capital to assets | 21.7423% | 203 |
| Core capital (leverage) ratio | 21.7423% | 187 |
| Tier 1 risk-based capital ratio | 113.1569% | 54 |
| Total risk-based capital ratio | 113.3529% | 54 |
| Memoranda: | ||
| Average total assets | $42,774,750 | 6,859 |
| Average earning assets | $41,514,750 | 6,741 |
| Average equity | $9,048,000 | 5,481 |
| Average total loans | $1,888,500 | 7,705 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1175% | 7,764 |
| Cost of funding earning assets | 0.0000% | 7,814 |
| Net interest margin | 2.1175% | 7,611 |
| Noninterest income to average assets | 6.6991% | 105 |
| Noninterest expense to average assets | 6.4658% | 178 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.3762% | 1,134 |
| Return on assets (ROA) | 1.3762% | 1,203 |
| Pretax return on assets | 2.2906% | 345 |
| Return on Equity (ROE) | 6.5665% | 3,522 |
| Retained earnings to average equity (ytd only) | 6.5665% | 2,042 |
| Net charge-offs to loans | 0.1001% | 5,145 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 491.0000% | 66 |
| Efficiency ratio | 73.8412% | 3,501 |
| Assets per employee ($millions) | 7.7668% | 549 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0194% | 6,317 |
| Loan loss allowance to noncurrent loans | 40.0000% | 5,679 |
| Noncurrent assets plus other real estate owned to assets | 0.1288% | 7,068 |
| Noncurrent loans to loans | 2.5484% | 3,108 |
| Net loans and leases to total assets | 5.0008% | 7,772 |
| Net loans and leases to deposits | 6.6543% | 7,778 |
| Net loans and leases to core deposits | 6.6543% | 7,762 |
| Total domestic deposits to total assets | 75.1506% | 6,837 |
| Equity capital to assets | 23.5026% | 160 |
| Core capital (leverage) ratio | 23.5026% | 147 |
| Tier 1 risk-based capital ratio | 107.5790% | 48 |
| Total risk-based capital ratio | 107.8147% | 48 |
| Memoranda: | ||
| Average total assets | $42,871,670 | 6,904 |
| Average earning assets | $41,653,670 | 6,789 |
| Average equity | $8,985,000 | 5,509 |
| Average total loans | $1,997,330 | 7,774 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2114% | 7,865 |
| Cost of funding earning assets | 0.0000% | 7,914 |
| Net interest margin | 2.2114% | 7,643 |
| Noninterest income to average assets | 6.4780% | 108 |
| Noninterest expense to average assets | 6.2552% | 193 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.4257% | 1,023 |
| Return on assets (ROA) | 1.4257% | 1,092 |
| Pretax return on assets | 2.3791% | 305 |
| Return on Equity (ROE) | 7.1797% | 3,251 |
| Retained earnings to average equity (ytd only) | 7.1797% | 2,054 |
| Net charge-offs to loans | 0.1985% | 3,717 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 267.0000% | 126 |
| Efficiency ratio | 72.4458% | 3,854 |
| Assets per employee ($millions) | 8.9866% | 357 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0025% | 6,454 |
| Loan loss allowance to noncurrent loans | 40.0000% | 5,698 |
| Noncurrent assets plus other real estate owned to assets | 0.1113% | 7,200 |
| Noncurrent loans to loans | 2.5063% | 3,169 |
| Net loans and leases to total assets | 4.3954% | 7,875 |
| Net loans and leases to deposits | 5.5933% | 7,879 |
| Net loans and leases to core deposits | 5.5933% | 7,863 |
| Total domestic deposits to total assets | 78.5837% | 6,176 |
| Equity capital to assets | 20.0165% | 289 |
| Core capital (leverage) ratio | 20.0165% | 248 |
| Tier 1 risk-based capital ratio | 106.4883% | 47 |
| Total risk-based capital ratio | 106.7251% | 48 |
| Memoranda: | ||
| Average total assets | $44,890,500 | 6,919 |
| Average earning assets | $43,773,500 | 6,786 |
| Average equity | $8,914,000 | 5,567 |
| Average total loans | $2,015,000 | 7,875 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0960% | 7,871 |
| Cost of funding earning assets | 0.0000% | 8,000 |
| Net interest margin | 3.0960% | 6,382 |
| Noninterest income to average assets | 6.1815% | 118 |
| Noninterest expense to average assets | 6.0255% | 306 |
| Loan and lease loss provision to assets | 0.0932% | 6,670 |
| Net operating income to assets | 1.8243% | 340 |
| Return on assets (ROA) | 1.8243% | 351 |
| Pretax return on assets | 3.0723% | 92 |
| Return on Equity (ROE) | 9.9794% | 1,698 |
| Retained earnings to average equity (ytd only) | 9.9794% | 375 |
| Net charge-offs to loans | 2.6427% | 851 |
| Credit loss provision to net charge-offs | 72.8814% | 6,434 |
| Earnings coverage of net charge-offs (x) | 24.7627% | 900 |
| Efficiency ratio | 65.5587% | 5,480 |
| Assets per employee ($millions) | 8.9696% | 356 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0319% | 6,203 |
| Loan loss allowance to noncurrent loans | 42.0000% | 5,611 |
| Noncurrent assets plus other real estate owned to assets | 0.1115% | 7,209 |
| Noncurrent loans to loans | 2.4570% | 3,089 |
| Net loans and leases to total assets | 4.4907% | 7,949 |
| Net loans and leases to deposits | 5.6817% | 7,956 |
| Net loans and leases to core deposits | 5.6817% | 7,951 |
| Total domestic deposits to total assets | 79.0381% | 5,969 |
| Equity capital to assets | 19.6976% | 320 |
| Core capital (leverage) ratio | 19.6976% | 293 |
| Tier 1 risk-based capital ratio | 98.0684% | 56 |
| Total risk-based capital ratio | 98.3015% | 56 |
| Memoranda: | ||
| Average total assets | $46,154,000 | 6,867 |
| Average earning assets | $44,864,400 | 6,727 |
| Average equity | $8,437,400 | 5,783 |
| Average total loans | $2,232,600 | 7,949 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2455% | 7,961 |
| Cost of funding earning assets | 0.0000% | 8,084 |
| Net interest margin | 3.2455% | 5,860 |
| Noninterest income to average assets | 6.1042% | 122 |
| Noninterest expense to average assets | 6.0382% | 305 |
| Loan and lease loss provision to assets | 0.1233% | 6,124 |
| Net operating income to assets | 1.8617% | 392 |
| Return on assets (ROA) | 1.8617% | 413 |
| Pretax return on assets | 3.0980% | 100 |
| Return on Equity (ROE) | 10.3776% | 1,795 |
| Retained earnings to average equity (ytd only) | 10.3776% | 563 |
| Net charge-offs to loans | 3.3304% | 471 |
| Credit loss provision to net charge-offs | 75.4386% | 5,877 |
| Earnings coverage of net charge-offs (x) | 19.7013% | 1,272 |
| Efficiency ratio | 65.2107% | 5,513 |
| Assets per employee ($millions) | 9.2840% | 339 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0135% | 6,198 |
| Loan loss allowance to noncurrent loans | 42.0000% | 5,524 |
| Noncurrent assets plus other real estate owned to assets | 0.1077% | 7,280 |
| Noncurrent loans to loans | 2.4131% | 3,123 |
| Net loans and leases to total assets | 4.4184% | 8,035 |
| Net loans and leases to deposits | 5.5128% | 8,039 |
| Net loans and leases to core deposits | 5.5128% | 8,031 |
| Total domestic deposits to total assets | 80.1465% | 5,385 |
| Equity capital to assets | 18.6148% | 455 |
| Core capital (leverage) ratio | 18.6148% | 406 |
| Tier 1 risk-based capital ratio | 98.2155% | 65 |
| Total risk-based capital ratio | 98.4542% | 65 |
| Memoranda: | ||
| Average total assets | $46,480,500 | 6,900 |
| Average earning assets | $45,189,500 | 6,766 |
| Average equity | $8,338,250 | 5,875 |
| Average total loans | $2,282,000 | 8,030 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4774% | 8,030 |
| Cost of funding earning assets | 0.0000% | 8,178 |
| Net interest margin | 3.4774% | 4,906 |
| Noninterest income to average assets | 6.1849% | 114 |
| Noninterest expense to average assets | 6.0042% | 319 |
| Loan and lease loss provision to assets | 0.0387% | 6,850 |
| Net operating income to assets | 2.1118% | 230 |
| Return on assets (ROA) | 2.1118% | 252 |
| Pretax return on assets | 3.5139% | 71 |
| Return on Equity (ROE) | 11.9213% | 1,438 |
| Retained earnings to average equity (ytd only) | 11.9213% | 460 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8263% | 6,115 |
| Assets per employee ($millions) | 7.6018% | 589 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7453% | 2,199 |
| Loan loss allowance to noncurrent loans | 33.0827% | 6,257 |
| Noncurrent assets plus other real estate owned to assets | 0.3499% | 6,577 |
| Noncurrent loans to loans | 5.2757% | 1,130 |
| Net loans and leases to total assets | 6.5169% | 8,119 |
| Net loans and leases to deposits | 8.5426% | 8,126 |
| Net loans and leases to core deposits | 8.5426% | 8,121 |
| Total domestic deposits to total assets | 76.2872% | 6,489 |
| Equity capital to assets | 22.3158% | 273 |
| Core capital (leverage) ratio | 22.3158% | 267 |
| Tier 1 risk-based capital ratio | 94.3283% | 72 |
| Total risk-based capital ratio | 94.8176% | 72 |
| Memoranda: | ||
| Average total assets | $46,500,670 | 6,961 |
| Average earning assets | $45,091,670 | 6,833 |
| Average equity | $8,237,330 | 5,939 |
| Average total loans | $2,352,000 | 8,120 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3747% | 8,109 |
| Cost of funding earning assets | 0.0000% | 8,229 |
| Net interest margin | 3.3747% | 5,236 |
| Noninterest income to average assets | 5.7462% | 119 |
| Noninterest expense to average assets | 5.7068% | 334 |
| Loan and lease loss provision to assets | 0.0552% | 6,275 |
| Net operating income to assets | 1.9627% | 374 |
| Return on assets (ROA) | 1.9627% | 425 |
| Pretax return on assets | 3.2712% | 96 |
| Return on Equity (ROE) | 12.2736% | 1,581 |
| Retained earnings to average equity (ytd only) | 12.2736% | 747 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1763% | 5,842 |
| Assets per employee ($millions) | 8.5580% | 412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7949% | 1,865 |
| Loan loss allowance to noncurrent loans | 161.5385% | 2,005 |
| Noncurrent assets plus other real estate owned to assets | 0.0506% | 7,449 |
| Noncurrent loans to loans | 1.1111% | 4,760 |
| Net loans and leases to total assets | 4.4753% | 8,180 |
| Net loans and leases to deposits | 5.4208% | 8,186 |
| Net loans and leases to core deposits | 5.4208% | 8,177 |
| Total domestic deposits to total assets | 82.5582% | 4,350 |
| Equity capital to assets | 16.0454% | 864 |
| Core capital (leverage) ratio | 16.0454% | 778 |
| Tier 1 risk-based capital ratio | 80.4826% | 88 |
| Total risk-based capital ratio | 80.8928% | 88 |
| Memoranda: | ||
| Average total assets | $50,746,500 | 6,830 |
| Average earning assets | $49,426,000 | 6,689 |
| Average equity | $8,115,000 | 6,013 |
| Average total loans | $2,267,500 | 8,174 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5357% | 8,024 |
| Cost of funding earning assets | 0.0000% | 8,290 |
| Net interest margin | 4.5357% | 1,340 |
| Noninterest income to average assets | 5.3094% | 119 |
| Noninterest expense to average assets | 5.6034% | 480 |
| Loan and lease loss provision to assets | -0.0165% | 8,206 |
| Net operating income to assets | 2.3758% | 165 |
| Return on assets (ROA) | 2.3993% | 156 |
| Pretax return on assets | 4.0418% | 59 |
| Return on Equity (ROE) | 13.2395% | 1,272 |
| Retained earnings to average equity (ytd only) | -17.1729% | 7,574 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4179% | 6,618 |
| Assets per employee ($millions) | 8.3575% | 410 |
| Cash dividends to net income (ytd only)* | 229.7090% | 276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5945% | 2,269 |
| Loan loss allowance to noncurrent loans | 134.6154% | 2,706 |
| Noncurrent assets plus other real estate owned to assets | 0.0518% | 7,372 |
| Noncurrent loans to loans | 1.1845% | 4,143 |
| Net loans and leases to total assets | 4.3075% | 8,234 |
| Net loans and leases to deposits | 5.2164% | 8,240 |
| Net loans and leases to core deposits | 5.2164% | 8,232 |
| Total domestic deposits to total assets | 82.5765% | 3,961 |
| Equity capital to assets | 15.9358% | 950 |
| Core capital (leverage) ratio | 15.9358% | 841 |
| Tier 1 risk-based capital ratio | 68.4161% | 126 |
| Total risk-based capital ratio | 68.7158% | 126 |
| Memoranda: | ||
| Average total assets | $54,431,600 | 6,605 |
| Average earning assets | $51,392,000 | 6,533 |
| Average equity | $9,864,400 | 5,448 |
| Average total loans | $2,516,200 | 8,226 |