Home > Flatbush Federal Savings and Loan Association > Performance and Condition Ratios
Flatbush Federal Savings and Loan Association, Performance and Condition Ratios
| 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 | 4.7758% | 2,476 |
| Cost of funding earning assets | 1.1211% | 978 |
| Net interest margin | 3.6547% | 3,987 |
| Noninterest income to average assets | 8.6832% | 84 |
| Noninterest expense to average assets | 5.3765% | 290 |
| Loan and lease loss provision to assets | 0.2624% | 2,476 |
| Net operating income to assets | 3.4678% | 73 |
| Return on assets (ROA) | 3.4678% | 77 |
| Pretax return on assets | 6.2516% | 47 |
| Return on Equity (ROE) | 28.8920% | 86 |
| Retained earnings to average equity (ytd only) | 28.8920% | 35 |
| Net charge-offs to loans | 2.1138% | 325 |
| Credit loss provision to net charge-offs | 19.5804% | 4,961 |
| Earnings coverage of net charge-offs (x) | 4.8615% | 3,180 |
| Efficiency ratio | 45.2167% | 6,858 |
| Assets per employee ($millions) | 4.2942% | 3,280 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3005% | 4,815 |
| Loan loss allowance to noncurrent loans | 12.6748% | 6,628 |
| Noncurrent assets plus other real estate owned to assets | 7.1157% | 501 |
| Noncurrent loans to loans | 10.2609% | 235 |
| Net loans and leases to total assets | 60.5844% | 3,657 |
| Net loans and leases to deposits | 73.8927% | 3,298 |
| Net loans and leases to core deposits | 77.7308% | 3,496 |
| Total domestic deposits to total assets | 81.9896% | 5,034 |
| Equity capital to assets | 12.9105% | 1,640 |
| Core capital (leverage) ratio | 14.7678% | 653 |
| Tier 1 risk-based capital ratio | 24.1851% | 998 |
| Total risk-based capital ratio | 25.4361% | 975 |
| Memoranda: | ||
| Average total assets | $142,295,000 | 3,953 |
| Average earning assets | $124,876,000 | 4,045 |
| Average equity | $17,079,250 | 3,641 |
| Average total loans | $90,197,500 | 3,783 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7782% | 2,587 |
| Cost of funding earning assets | 1.1551% | 1,002 |
| Net interest margin | 3.6230% | 4,172 |
| Noninterest income to average assets | 12.7750% | 61 |
| Noninterest expense to average assets | 5.0917% | 353 |
| Loan and lease loss provision to assets | 0.3683% | 1,784 |
| Net operating income to assets | 5.7879% | 38 |
| Return on assets (ROA) | 5.7879% | 38 |
| Pretax return on assets | 10.5099% | 28 |
| Return on Equity (ROE) | 49.4108% | 20 |
| Retained earnings to average equity (ytd only) | 49.4108% | 11 |
| Net charge-offs to loans | 3.1146% | 182 |
| Credit loss provision to net charge-offs | 18.4669% | 4,635 |
| Earnings coverage of net charge-offs (x) | 5.4551% | 2,832 |
| Efficiency ratio | 31.8830% | 7,163 |
| Assets per employee ($millions) | 4.2165% | 3,425 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2184% | 5,278 |
| Loan loss allowance to noncurrent loans | 13.1550% | 6,671 |
| Noncurrent assets plus other real estate owned to assets | 6.4941% | 631 |
| Noncurrent loans to loans | 9.2620% | 313 |
| Net loans and leases to total assets | 60.9064% | 3,641 |
| Net loans and leases to deposits | 73.9703% | 3,300 |
| Net loans and leases to core deposits | 78.4362% | 3,456 |
| Total domestic deposits to total assets | 82.3390% | 5,003 |
| Equity capital to assets | 12.6359% | 1,730 |
| Core capital (leverage) ratio | 14.4596% | 707 |
| Tier 1 risk-based capital ratio | 23.6595% | 1,056 |
| Total risk-based capital ratio | 24.9036% | 1,041 |
| Memoranda: | ||
| Average total assets | $143,921,670 | 3,936 |
| Average earning assets | $126,911,000 | 4,015 |
| Average equity | $16,858,670 | 3,665 |
| Average total loans | $92,147,000 | 3,751 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8591% | 2,401 |
| Cost of funding earning assets | 1.1624% | 1,136 |
| Net interest margin | 3.6967% | 3,849 |
| Noninterest income to average assets | 25.3256% | 31 |
| Noninterest expense to average assets | 3.5977% | 1,560 |
| Loan and lease loss provision to assets | 0.5492% | 1,073 |
| Net operating income to assets | 13.3923% | 12 |
| Return on assets (ROA) | 13.3923% | 12 |
| Pretax return on assets | 24.4601% | 8 |
| Return on Equity (ROE) | 118.9859% | 6 |
| Retained earnings to average equity (ytd only) | 118.9859% | 4 |
| Net charge-offs to loans | 5.8283% | 70 |
| Credit loss provision to net charge-offs | 14.4526% | 3,847 |
| Earnings coverage of net charge-offs (x) | 6.5810% | 2,182 |
| Efficiency ratio | 12.5764% | 7,288 |
| Assets per employee ($millions) | 4.2790% | 3,440 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1728% | 5,625 |
| Loan loss allowance to noncurrent loans | 17.6732% | 6,625 |
| Noncurrent assets plus other real estate owned to assets | 4.9984% | 1,042 |
| Noncurrent loans to loans | 6.6362% | 715 |
| Net loans and leases to total assets | 62.2053% | 3,219 |
| Net loans and leases to deposits | 75.8605% | 2,815 |
| Net loans and leases to core deposits | 79.8511% | 3,086 |
| Total domestic deposits to total assets | 81.9996% | 5,296 |
| Equity capital to assets | 12.8452% | 1,517 |
| Core capital (leverage) ratio | 14.6913% | 655 |
| Tier 1 risk-based capital ratio | 24.4526% | 957 |
| Total risk-based capital ratio | 25.6001% | 954 |
| Memoranda: | ||
| Average total assets | $144,202,000 | 3,968 |
| Average earning assets | $128,007,500 | 4,019 |
| Average equity | $16,230,500 | 3,779 |
| Average total loans | $94,024,000 | 3,735 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2511% | 1,867 |
| Cost of funding earning assets | 1.2132% | 1,943 |
| Net interest margin | 4.0379% | 2,688 |
| Noninterest income to average assets | 0.1779% | 6,219 |
| Noninterest expense to average assets | 3.3693% | 2,319 |
| Loan and lease loss provision to assets | 1.2646% | 664 |
| Net operating income to assets | -0.3843% | 6,404 |
| Return on assets (ROA) | -0.3843% | 6,453 |
| Pretax return on assets | -0.7928% | 6,642 |
| Return on Equity (ROE) | -3.8236% | 6,464 |
| Retained earnings to average equity (ytd only) | -3.8236% | 6,359 |
| Net charge-offs to loans | 1.4726% | 1,090 |
| Credit loss provision to net charge-offs | 120.8499% | 2,629 |
| Earnings coverage of net charge-offs (x) | 0.4509% | 5,483 |
| Efficiency ratio | 87.7171% | 1,376 |
| Assets per employee ($millions) | 3.9699% | 3,918 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9920% | 6,262 |
| Loan loss allowance to noncurrent loans | 13.5995% | 6,769 |
| Noncurrent assets plus other real estate owned to assets | 5.4444% | 947 |
| Noncurrent loans to loans | 7.2942% | 598 |
| Net loans and leases to total assets | 66.8334% | 2,624 |
| Net loans and leases to deposits | 82.6043% | 2,122 |
| Net loans and leases to core deposits | 87.0814% | 2,495 |
| Total domestic deposits to total assets | 80.9079% | 5,478 |
| Equity capital to assets | 9.6370% | 4,694 |
| Core capital (leverage) ratio | 11.5237% | 1,874 |
| Tier 1 risk-based capital ratio | 18.7713% | 1,968 |
| Total risk-based capital ratio | 19.8817% | 1,976 |
| Memoranda: | ||
| Average total assets | $143,915,600 | 3,913 |
| Average earning assets | $130,563,800 | 3,920 |
| Average equity | $14,462,800 | 4,019 |
| Average total loans | $102,269,600 | 3,564 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2648% | 1,978 |
| Cost of funding earning assets | 1.2199% | 2,194 |
| Net interest margin | 4.0450% | 2,714 |
| Noninterest income to average assets | 0.1868% | 6,262 |
| Noninterest expense to average assets | 3.4756% | 2,002 |
| Loan and lease loss provision to assets | 1.5759% | 423 |
| Net operating income to assets | -0.6640% | 6,738 |
| Return on assets (ROA) | -0.6640% | 6,772 |
| Pretax return on assets | -1.1847% | 6,935 |
| Return on Equity (ROE) | -6.5411% | 6,745 |
| Retained earnings to average equity (ytd only) | -6.5411% | 6,675 |
| Net charge-offs to loans | 1.7303% | 797 |
| Credit loss provision to net charge-offs | 126.5973% | 2,533 |
| Earnings coverage of net charge-offs (x) | 0.3143% | 5,370 |
| Efficiency ratio | 89.8828% | 1,173 |
| Assets per employee ($millions) | 3.9008% | 4,072 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1081% | 5,859 |
| Loan loss allowance to noncurrent loans | 11.6523% | 6,874 |
| Noncurrent assets plus other real estate owned to assets | 7.0215% | 701 |
| Noncurrent loans to loans | 9.5098% | 388 |
| Net loans and leases to total assets | 68.6353% | 2,344 |
| Net loans and leases to deposits | 86.1856% | 1,669 |
| Net loans and leases to core deposits | 91.0629% | 2,114 |
| Total domestic deposits to total assets | 79.6367% | 5,838 |
| Equity capital to assets | 9.9503% | 4,407 |
| Core capital (leverage) ratio | 11.2323% | 2,209 |
| Tier 1 risk-based capital ratio | 18.0071% | 2,250 |
| Total risk-based capital ratio | 19.2571% | 2,212 |
| Memoranda: | ||
| Average total assets | $144,165,000 | 3,920 |
| Average earning assets | $131,156,000 | 3,932 |
| Average equity | $14,635,250 | 3,991 |
| Average total loans | $103,718,500 | 3,551 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3406% | 1,743 |
| Cost of funding earning assets | 1.2385% | 2,332 |
| Net interest margin | 4.1021% | 2,402 |
| Noninterest income to average assets | 0.2040% | 6,207 |
| Noninterest expense to average assets | 3.3349% | 2,449 |
| Loan and lease loss provision to assets | 2.3648% | 227 |
| Net operating income to assets | -0.9965% | 6,938 |
| Return on assets (ROA) | -0.9965% | 6,948 |
| Pretax return on assets | -1.7542% | 7,123 |
| Return on Equity (ROE) | -9.7510% | 6,929 |
| Retained earnings to average equity (ytd only) | -9.7510% | 6,867 |
| Net charge-offs to loans | 2.5567% | 456 |
| Credit loss provision to net charge-offs | 127.0694% | 2,405 |
| Earnings coverage of net charge-offs (x) | 0.3281% | 5,073 |
| Efficiency ratio | 84.5234% | 1,758 |
| Assets per employee ($millions) | 3.7884% | 4,227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0947% | 5,981 |
| Loan loss allowance to noncurrent loans | 13.8989% | 6,886 |
| Noncurrent assets plus other real estate owned to assets | 6.1518% | 902 |
| Noncurrent loans to loans | 7.8762% | 583 |
| Net loans and leases to total assets | 71.8042% | 1,824 |
| Net loans and leases to deposits | 88.2962% | 1,459 |
| Net loans and leases to core deposits | 93.4470% | 1,965 |
| Total domestic deposits to total assets | 81.3220% | 5,417 |
| Equity capital to assets | 10.1990% | 3,879 |
| Core capital (leverage) ratio | 11.5521% | 1,880 |
| Tier 1 risk-based capital ratio | 18.6636% | 1,943 |
| Total risk-based capital ratio | 19.9146% | 1,911 |
| Memoranda: | ||
| Average total assets | $144,110,670 | 3,953 |
| Average earning assets | $131,445,670 | 3,948 |
| Average equity | $14,726,670 | 3,953 |
| Average total loans | $104,901,330 | 3,563 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2997% | 1,866 |
| Cost of funding earning assets | 1.2494% | 2,508 |
| Net interest margin | 4.0502% | 2,471 |
| Noninterest income to average assets | 0.1917% | 6,352 |
| Noninterest expense to average assets | 3.3680% | 2,361 |
| Loan and lease loss provision to assets | 0.3833% | 2,266 |
| Net operating income to assets | 0.1506% | 5,946 |
| Return on assets (ROA) | 0.1506% | 6,003 |
| Pretax return on assets | 0.1506% | 6,052 |
| Return on Equity (ROE) | 1.4724% | 5,989 |
| Retained earnings to average equity (ytd only) | 1.4724% | 5,221 |
| Net charge-offs to loans | 0.1954% | 3,332 |
| Credit loss provision to net charge-offs | 269.2308% | 1,164 |
| Earnings coverage of net charge-offs (x) | 3.7500% | 2,643 |
| Efficiency ratio | 86.3158% | 1,679 |
| Assets per employee ($millions) | 3.9176% | 4,030 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7949% | 6,933 |
| Loan loss allowance to noncurrent loans | 10.8648% | 7,000 |
| Noncurrent assets plus other real estate owned to assets | 5.3211% | 1,156 |
| Noncurrent loans to loans | 7.3165% | 723 |
| Net loans and leases to total assets | 72.1487% | 1,691 |
| Net loans and leases to deposits | 88.9498% | 1,355 |
| Net loans and leases to core deposits | 93.7316% | 1,922 |
| Total domestic deposits to total assets | 81.1117% | 5,631 |
| Equity capital to assets | 10.3503% | 3,349 |
| Core capital (leverage) ratio | 11.6891% | 1,744 |
| Tier 1 risk-based capital ratio | 19.6290% | 1,668 |
| Total risk-based capital ratio | 20.6135% | 1,692 |
| Memoranda: | ||
| Average total assets | $146,081,000 | 3,951 |
| Average earning assets | $133,820,000 | 3,938 |
| Average equity | $14,942,000 | 3,910 |
| Average total loans | $106,471,000 | 3,571 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6975% | 1,577 |
| Cost of funding earning assets | 1.4826% | 2,746 |
| Net interest margin | 4.2149% | 2,127 |
| Noninterest income to average assets | 0.2029% | 6,332 |
| Noninterest expense to average assets | 3.1067% | 3,428 |
| Loan and lease loss provision to assets | 0.5368% | 3,001 |
| Net operating income to assets | 0.3116% | 4,897 |
| Return on assets (ROA) | 0.3116% | 5,067 |
| Pretax return on assets | 0.4320% | 4,844 |
| Return on Equity (ROE) | 3.2338% | 4,849 |
| Retained earnings to average equity (ytd only) | 3.2338% | 3,607 |
| Net charge-offs to loans | 0.3878% | 4,100 |
| Credit loss provision to net charge-offs | 190.2552% | 1,697 |
| Earnings coverage of net charge-offs (x) | 3.4339% | 3,357 |
| Efficiency ratio | 76.2287% | 3,020 |
| Assets per employee ($millions) | 4.2060% | 3,373 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6985% | 7,140 |
| Loan loss allowance to noncurrent loans | 9.9431% | 7,091 |
| Noncurrent assets plus other real estate owned to assets | 5.1308% | 1,241 |
| Noncurrent loans to loans | 7.0245% | 800 |
| Net loans and leases to total assets | 72.5304% | 1,976 |
| Net loans and leases to deposits | 90.4311% | 1,471 |
| Net loans and leases to core deposits | 94.9144% | 2,142 |
| Total domestic deposits to total assets | 80.2051% | 5,775 |
| Equity capital to assets | 10.1087% | 3,607 |
| Core capital (leverage) ratio | 11.4528% | 1,859 |
| Tier 1 risk-based capital ratio | 19.4256% | 1,612 |
| Total risk-based capital ratio | 20.3031% | 1,676 |
| Memoranda: | ||
| Average total assets | $152,767,200 | 3,830 |
| Average earning assets | $140,358,800 | 3,810 |
| Average equity | $14,719,400 | 3,992 |
| Average total loans | $111,148,400 | 3,518 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7490% | 1,555 |
| Cost of funding earning assets | 1.5154% | 2,877 |
| Net interest margin | 4.2336% | 2,095 |
| Noninterest income to average assets | 0.2050% | 6,433 |
| Noninterest expense to average assets | 3.0903% | 3,378 |
| Loan and lease loss provision to assets | 0.3347% | 3,925 |
| Net operating income to assets | 0.4904% | 4,357 |
| Return on assets (ROA) | 0.4904% | 4,557 |
| Pretax return on assets | 0.6703% | 4,346 |
| Return on Equity (ROE) | 5.1501% | 4,216 |
| Retained earnings to average equity (ytd only) | 5.1501% | 2,872 |
| Net charge-offs to loans | -0.0012% | 7,170 |
| Credit loss provision to net charge-offs | -38,700.0000% | 7,218 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4593% | 3,047 |
| Assets per employee ($millions) | 4.2840% | 3,288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6764% | 7,235 |
| Loan loss allowance to noncurrent loans | 12.5334% | 7,132 |
| Noncurrent assets plus other real estate owned to assets | 3.9910% | 1,752 |
| Noncurrent loans to loans | 5.3966% | 1,245 |
| Net loans and leases to total assets | 73.4532% | 1,922 |
| Net loans and leases to deposits | 91.9470% | 1,455 |
| Net loans and leases to core deposits | 96.4261% | 2,207 |
| Total domestic deposits to total assets | 79.8865% | 5,743 |
| Equity capital to assets | 10.0594% | 4,079 |
| Core capital (leverage) ratio | 11.2788% | 2,078 |
| Tier 1 risk-based capital ratio | 19.1436% | 1,720 |
| Total risk-based capital ratio | 20.0039% | 1,775 |
| Memoranda: | ||
| Average total assets | $154,156,500 | 3,858 |
| Average earning assets | $141,656,500 | 3,842 |
| Average equity | $14,679,000 | 4,060 |
| Average total loans | $112,054,750 | 3,550 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7494% | 1,554 |
| Cost of funding earning assets | 1.5430% | 2,996 |
| Net interest margin | 4.2064% | 2,140 |
| Noninterest income to average assets | 0.2070% | 6,430 |
| Noninterest expense to average assets | 3.0843% | 3,378 |
| Loan and lease loss provision to assets | 0.3690% | 3,494 |
| Net operating income to assets | 0.3947% | 4,777 |
| Return on assets (ROA) | 0.3947% | 4,938 |
| Pretax return on assets | 0.6197% | 4,505 |
| Return on Equity (ROE) | 4.2216% | 4,676 |
| Retained earnings to average equity (ytd only) | 4.2216% | 3,386 |
| Net charge-offs to loans | -0.0018% | 7,066 |
| Credit loss provision to net charge-offs | -28,700.0000% | 7,091 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7260% | 3,118 |
| Assets per employee ($millions) | 4.3891% | 3,069 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5810% | 7,436 |
| Loan loss allowance to noncurrent loans | 10.7379% | 7,251 |
| Noncurrent assets plus other real estate owned to assets | 3.9344% | 1,762 |
| Noncurrent loans to loans | 5.4106% | 1,226 |
| Net loans and leases to total assets | 72.2933% | 2,327 |
| Net loans and leases to deposits | 91.1028% | 1,679 |
| Net loans and leases to core deposits | 95.3434% | 2,528 |
| Total domestic deposits to total assets | 79.3536% | 5,928 |
| Equity capital to assets | 9.6075% | 4,533 |
| Core capital (leverage) ratio | 10.8199% | 2,384 |
| Tier 1 risk-based capital ratio | 18.6228% | 1,798 |
| Total risk-based capital ratio | 19.3597% | 1,899 |
| Memoranda: | ||
| Average total assets | $155,562,330 | 3,864 |
| Average earning assets | $142,972,000 | 3,842 |
| Average equity | $14,544,330 | 4,078 |
| Average total loans | $112,444,670 | 3,567 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8349% | 1,362 |
| Cost of funding earning assets | 1.5701% | 3,139 |
| Net interest margin | 4.2648% | 1,804 |
| Noninterest income to average assets | 0.2044% | 6,504 |
| Noninterest expense to average assets | 3.0690% | 3,394 |
| Loan and lease loss provision to assets | 0.3910% | 3,026 |
| Net operating income to assets | 0.4037% | 4,818 |
| Return on assets (ROA) | 0.4037% | 4,968 |
| Pretax return on assets | 0.6593% | 4,376 |
| Return on Equity (ROE) | 4.3776% | 4,718 |
| Retained earnings to average equity (ytd only) | 4.3776% | 3,524 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5037% | 3,488 |
| Assets per employee ($millions) | 4.4856% | 2,980 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4513% | 7,641 |
| Loan loss allowance to noncurrent loans | 11.7984% | 7,294 |
| Noncurrent assets plus other real estate owned to assets | 2.7803% | 2,615 |
| Noncurrent loans to loans | 3.8253% | 2,071 |
| Net loans and leases to total assets | 72.3558% | 2,370 |
| Net loans and leases to deposits | 96.2963% | 1,073 |
| Net loans and leases to core deposits | 99.4667% | 2,186 |
| Total domestic deposits to total assets | 75.1387% | 6,884 |
| Equity capital to assets | 9.2659% | 4,887 |
| Core capital (leverage) ratio | 10.4742% | 2,645 |
| Tier 1 risk-based capital ratio | 18.1050% | 1,922 |
| Total risk-based capital ratio | 18.6796% | 2,066 |
| Memoranda: | ||
| Average total assets | $156,533,500 | 3,901 |
| Average earning assets | $143,687,500 | 3,875 |
| Average equity | $14,437,000 | 4,139 |
| Average total loans | $112,814,000 | 3,628 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8647% | 2,390 |
| Cost of funding earning assets | 2.3306% | 1,536 |
| Net interest margin | 3.5341% | 4,806 |
| Noninterest income to average assets | 0.2187% | 6,548 |
| Noninterest expense to average assets | 2.7779% | 5,060 |
| Loan and lease loss provision to assets | 0.4218% | 4,297 |
| Net operating income to assets | 0.1531% | 5,044 |
| Return on assets (ROA) | 0.1531% | 5,110 |
| Pretax return on assets | 0.2563% | 4,880 |
| Return on Equity (ROE) | 1.6641% | 5,033 |
| Retained earnings to average equity (ytd only) | -0.4513% | 5,082 |
| Net charge-offs to loans | 0.4474% | 3,994 |
| Credit loss provision to net charge-offs | 139.4850% | 3,509 |
| Earnings coverage of net charge-offs (x) | 2.2425% | 4,037 |
| Efficiency ratio | 80.3793% | 2,828 |
| Assets per employee ($millions) | 4.4592% | 2,993 |
| Cash dividends to net income (ytd only)* | 127.1186% | 362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3264% | 7,810 |
| Loan loss allowance to noncurrent loans | 10.2709% | 7,363 |
| Noncurrent assets plus other real estate owned to assets | 2.2707% | 3,041 |
| Noncurrent loans to loans | 3.1780% | 2,408 |
| Net loans and leases to total assets | 71.2197% | 2,948 |
| Net loans and leases to deposits | 95.5974% | 1,376 |
| Net loans and leases to core deposits | 127.3825% | 1,421 |
| Total domestic deposits to total assets | 74.4996% | 6,945 |
| Equity capital to assets | 9.1797% | 4,871 |
| Core capital (leverage) ratio | 10.4202% | 2,670 |
| Tier 1 risk-based capital ratio | 18.2424% | 1,832 |
| Total risk-based capital ratio | 18.6563% | 2,009 |
| Memoranda: | ||
| Average total assets | $154,109,000 | 3,896 |
| Average earning assets | $141,167,400 | 3,872 |
| Average equity | $14,181,800 | 4,212 |
| Average total loans | $104,146,600 | 3,832 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8959% | 2,470 |
| Cost of funding earning assets | 2.4461% | 1,461 |
| Net interest margin | 3.4497% | 5,073 |
| Noninterest income to average assets | 0.2196% | 6,658 |
| Noninterest expense to average assets | 2.7010% | 5,323 |
| Loan and lease loss provision to assets | 0.0642% | 6,714 |
| Net operating income to assets | 0.3880% | 4,448 |
| Return on assets (ROA) | 0.3880% | 4,547 |
| Pretax return on assets | 0.6136% | 4,149 |
| Return on Equity (ROE) | 4.2133% | 4,296 |
| Retained earnings to average equity (ytd only) | 1.3856% | 4,546 |
| Net charge-offs to loans | -0.0013% | 7,582 |
| Credit loss provision to net charge-offs | -7,400.0000% | 7,429 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9384% | 2,854 |
| Assets per employee ($millions) | 4.3455% | 3,128 |
| Cash dividends to net income (ytd only)* | 67.1135% | 1,362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2293% | 7,957 |
| Loan loss allowance to noncurrent loans | 19.7183% | 7,109 |
| Noncurrent assets plus other real estate owned to assets | 0.8169% | 5,462 |
| Noncurrent loans to loans | 1.1629% | 4,997 |
| Net loans and leases to total assets | 70.0878% | 3,496 |
| Net loans and leases to deposits | 93.8950% | 1,896 |
| Net loans and leases to core deposits | 123.4535% | 1,953 |
| Total domestic deposits to total assets | 74.6449% | 6,840 |
| Equity capital to assets | 9.1589% | 5,240 |
| Core capital (leverage) ratio | 10.5246% | 2,771 |
| Tier 1 risk-based capital ratio | 18.6177% | 1,837 |
| Total risk-based capital ratio | 18.9068% | 2,033 |
| Memoranda: | ||
| Average total assets | $153,618,250 | 3,921 |
| Average earning assets | $140,683,000 | 3,914 |
| Average equity | $14,145,500 | 4,253 |
| Average total loans | $102,303,750 | 3,931 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8423% | 2,839 |
| Cost of funding earning assets | 2.4807% | 1,677 |
| Net interest margin | 3.3616% | 5,309 |
| Noninterest income to average assets | 0.2227% | 6,701 |
| Noninterest expense to average assets | 2.5190% | 6,058 |
| Loan and lease loss provision to assets | 0.0288% | 6,955 |
| Net operating income to assets | 0.4690% | 4,222 |
| Return on assets (ROA) | 0.4690% | 4,335 |
| Pretax return on assets | 0.7493% | 3,832 |
| Return on Equity (ROE) | 5.0835% | 4,042 |
| Retained earnings to average equity (ytd only) | 0.8236% | 4,858 |
| Net charge-offs to loans | -0.0020% | 7,480 |
| Credit loss provision to net charge-offs | -2,200.0000% | 7,187 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4005% | 3,619 |
| Assets per employee ($millions) | 4.3700% | 2,989 |
| Cash dividends to net income (ytd only)* | 83.7989% | 1,005 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1958% | 8,067 |
| Loan loss allowance to noncurrent loans | 27.7008% | 6,651 |
| Noncurrent assets plus other real estate owned to assets | 0.4589% | 6,295 |
| Noncurrent loans to loans | 0.7069% | 5,829 |
| Net loans and leases to total assets | 64.8002% | 4,808 |
| Net loans and leases to deposits | 88.3779% | 3,114 |
| Net loans and leases to core deposits | 114.9625% | 2,813 |
| Total domestic deposits to total assets | 73.3217% | 7,063 |
| Equity capital to assets | 9.0091% | 5,300 |
| Core capital (leverage) ratio | 10.3932% | 2,909 |
| Tier 1 risk-based capital ratio | 19.3151% | 1,717 |
| Total risk-based capital ratio | 19.5548% | 1,883 |
| Memoranda: | ||
| Average total assets | $152,678,330 | 3,953 |
| Average earning assets | $139,636,670 | 3,953 |
| Average equity | $14,084,670 | 4,292 |
| Average total loans | $99,773,000 | 4,023 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8894% | 2,852 |
| Cost of funding earning assets | 2.5253% | 1,822 |
| Net interest margin | 3.3641% | 5,271 |
| Noninterest income to average assets | 0.2235% | 6,683 |
| Noninterest expense to average assets | 1.7877% | 7,715 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.9231% | 2,601 |
| Return on assets (ROA) | 0.9231% | 2,741 |
| Pretax return on assets | 1.5084% | 1,643 |
| Return on Equity (ROE) | 9.8857% | 2,367 |
| Retained earnings to average equity (ytd only) | 1.3390% | 5,098 |
| Net charge-offs to loans | -0.0041% | 7,158 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.2373% | 7,198 |
| Assets per employee ($millions) | 4.1956% | 3,268 |
| Cash dividends to net income (ytd only)* | 86.4553% | 938 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1803% | 8,125 |
| Loan loss allowance to noncurrent loans | 19.9776% | 7,171 |
| Noncurrent assets plus other real estate owned to assets | 0.5899% | 5,711 |
| Noncurrent loans to loans | 0.9026% | 5,197 |
| Net loans and leases to total assets | 65.2412% | 4,755 |
| Net loans and leases to deposits | 90.6307% | 2,833 |
| Net loans and leases to core deposits | 115.7264% | 2,825 |
| Total domestic deposits to total assets | 71.9858% | 7,208 |
| Equity capital to assets | 9.3326% | 4,885 |
| Core capital (leverage) ratio | 10.8075% | 2,647 |
| Tier 1 risk-based capital ratio | 20.2854% | 1,568 |
| Total risk-based capital ratio | 20.5099% | 1,722 |
| Memoranda: | ||
| Average total assets | $150,358,000 | 4,005 |
| Average earning assets | $137,331,000 | 4,007 |
| Average equity | $14,040,500 | 4,327 |
| Average total loans | $98,588,000 | 4,079 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9748% | 5,669 |
| Cost of funding earning assets | 2.7292% | 3,024 |
| Net interest margin | 3.2456% | 6,226 |
| Noninterest income to average assets | 0.2649% | 6,561 |
| Noninterest expense to average assets | 3.0572% | 3,868 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.1314% | 6,022 |
| Return on assets (ROA) | 0.1314% | 5,861 |
| Pretax return on assets | 0.1800% | 5,773 |
| Return on Equity (ROE) | 1.3064% | 5,828 |
| Retained earnings to average equity (ytd only) | 1.3064% | 4,433 |
| Net charge-offs to loans | -0.0020% | 7,743 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.4397% | 1,247 |
| Assets per employee ($millions) | 4.1576% | 3,195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1808% | 8,176 |
| Loan loss allowance to noncurrent loans | 21.5236% | 7,164 |
| Noncurrent assets plus other real estate owned to assets | 0.5525% | 5,524 |
| Noncurrent loans to loans | 0.8400% | 4,951 |
| Net loans and leases to total assets | 65.6616% | 4,920 |
| Net loans and leases to deposits | 95.8389% | 2,470 |
| Net loans and leases to core deposits | 119.5158% | 2,741 |
| Total domestic deposits to total assets | 68.5124% | 7,422 |
| Equity capital to assets | 9.3436% | 4,878 |
| Core capital (leverage) ratio | 10.8613% | 2,700 |
| Tier 1 risk-based capital ratio | 20.2228% | 1,581 |
| Total risk-based capital ratio | 20.4477% | 1,723 |
| Memoranda: | ||
| Average total assets | $146,111,800 | 3,970 |
| Average earning assets | $133,811,000 | 3,976 |
| Average equity | $14,697,400 | 4,192 |
| Average total loans | $98,255,400 | 3,999 |