Home > Flushing Savings Bank, FSB > Performance and Condition Ratios
Flushing Savings Bank, FSB, Performance and Condition Ratios
| 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 | 5.2463% | 1,024 |
| Cost of funding earning assets | 1.4699% | 191 |
| Net interest margin | 3.7765% | 3,335 |
| Noninterest income to average assets | 0.0538% | 6,673 |
| Noninterest expense to average assets | 1.8184% | 6,603 |
| Loan and lease loss provision to assets | 0.4790% | 1,284 |
| Net operating income to assets | 0.8053% | 3,261 |
| Return on assets (ROA) | 0.7947% | 3,558 |
| Pretax return on assets | 1.3044% | 2,379 |
| Return on Equity (ROE) | 7.9085% | 3,124 |
| Retained earnings to average equity (ytd only) | 3.3682% | 3,852 |
| Net charge-offs to loans | 0.6275% | 1,868 |
| Credit loss provision to net charge-offs | 103.7549% | 2,884 |
| Earnings coverage of net charge-offs (x) | 3.8988% | 3,553 |
| Efficiency ratio | 49.9584% | 6,590 |
| Assets per employee ($millions) | 11.9689% | 150 |
| Cash dividends to net income (ytd only)* | 57.4102% | 1,932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9602% | 6,092 |
| Loan loss allowance to noncurrent loans | 33.1882% | 5,929 |
| Noncurrent assets plus other real estate owned to assets | 2.2983% | 2,139 |
| Noncurrent loans to loans | 2.8931% | 1,808 |
| Net loans and leases to total assets | 72.0579% | 1,481 |
| Net loans and leases to deposits | 105.8372% | 229 |
| Net loans and leases to core deposits | 131.9761% | 173 |
| Total domestic deposits to total assets | 68.0837% | 6,857 |
| Equity capital to assets | 10.1336% | 3,994 |
| Core capital (leverage) ratio | 9.6196% | 3,934 |
| Tier 1 risk-based capital ratio | 14.3803% | 4,109 |
| Total risk-based capital ratio | 15.4323% | 4,217 |
| Memoranda: | ||
| Average total assets | $4,383,811,600 | 186 |
| Average earning assets | $4,137,889,000 | 181 |
| Average equity | $440,498,800 | 216 |
| Average total loans | $3,225,734,600 | 174 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3168% | 978 |
| Cost of funding earning assets | 1.5016% | 201 |
| Net interest margin | 3.8152% | 3,267 |
| Noninterest income to average assets | 0.0293% | 6,867 |
| Noninterest expense to average assets | 1.8459% | 6,620 |
| Loan and lease loss provision to assets | 0.4885% | 1,262 |
| Net operating income to assets | 0.7915% | 3,492 |
| Return on assets (ROA) | 0.7782% | 3,807 |
| Pretax return on assets | 1.2799% | 2,669 |
| Return on Equity (ROE) | 7.7612% | 3,389 |
| Retained earnings to average equity (ytd only) | 3.1933% | 4,622 |
| Net charge-offs to loans | 0.6478% | 1,691 |
| Credit loss provision to net charge-offs | 102.1907% | 2,879 |
| Earnings coverage of net charge-offs (x) | 3.7426% | 3,533 |
| Efficiency ratio | 50.4842% | 6,550 |
| Assets per employee ($millions) | 11.7747% | 154 |
| Cash dividends to net income (ytd only)* | 58.8558% | 1,313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9603% | 6,218 |
| Loan loss allowance to noncurrent loans | 29.0080% | 6,162 |
| Noncurrent assets plus other real estate owned to assets | 2.5668% | 2,056 |
| Noncurrent loans to loans | 3.3106% | 1,660 |
| Net loans and leases to total assets | 72.2511% | 1,512 |
| Net loans and leases to deposits | 101.3564% | 384 |
| Net loans and leases to core deposits | 127.4837% | 213 |
| Total domestic deposits to total assets | 71.2842% | 6,777 |
| Equity capital to assets | 10.2519% | 4,134 |
| Core capital (leverage) ratio | 9.6908% | 3,977 |
| Tier 1 risk-based capital ratio | 14.3832% | 4,276 |
| Total risk-based capital ratio | 15.4312% | 4,358 |
| Memoranda: | ||
| Average total assets | $4,366,657,500 | 189 |
| Average earning assets | $4,126,890,250 | 184 |
| Average equity | $437,826,000 | 220 |
| Average total loans | $3,222,310,250 | 175 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3581% | 946 |
| Cost of funding earning assets | 1.5186% | 225 |
| Net interest margin | 3.8395% | 3,180 |
| Noninterest income to average assets | -0.0326% | 7,038 |
| Noninterest expense to average assets | 1.8485% | 6,685 |
| Loan and lease loss provision to assets | 0.5043% | 1,254 |
| Net operating income to assets | 0.7556% | 3,574 |
| Return on assets (ROA) | 0.7329% | 3,964 |
| Pretax return on assets | 1.2057% | 2,898 |
| Return on Equity (ROE) | 7.3645% | 3,584 |
| Retained earnings to average equity (ytd only) | 2.7571% | 4,784 |
| Net charge-offs to loans | 0.6465% | 1,701 |
| Credit loss provision to net charge-offs | 105.3135% | 2,580 |
| Earnings coverage of net charge-offs (x) | 3.6452% | 3,313 |
| Efficiency ratio | 51.1328% | 6,572 |
| Assets per employee ($millions) | 11.8345% | 151 |
| Cash dividends to net income (ytd only)* | 62.5626% | 1,279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9548% | 6,310 |
| Loan loss allowance to noncurrent loans | 26.0191% | 6,322 |
| Noncurrent assets plus other real estate owned to assets | 2.7853% | 1,979 |
| Noncurrent loans to loans | 3.6695% | 1,556 |
| Net loans and leases to total assets | 72.2255% | 1,524 |
| Net loans and leases to deposits | 101.6360% | 357 |
| Net loans and leases to core deposits | 126.9973% | 236 |
| Total domestic deposits to total assets | 71.0629% | 6,854 |
| Equity capital to assets | 9.9008% | 4,486 |
| Core capital (leverage) ratio | 9.4486% | 4,218 |
| Tier 1 risk-based capital ratio | 13.7051% | 4,660 |
| Total risk-based capital ratio | 14.7218% | 4,810 |
| Memoranda: | ||
| Average total assets | $4,362,144,000 | 188 |
| Average earning assets | $4,120,474,330 | 183 |
| Average equity | $434,084,000 | 219 |
| Average total loans | $3,231,271,000 | 172 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4026% | 903 |
| Cost of funding earning assets | 1.5767% | 204 |
| Net interest margin | 3.8258% | 3,262 |
| Noninterest income to average assets | 0.0452% | 6,952 |
| Noninterest expense to average assets | 1.9317% | 6,582 |
| Loan and lease loss provision to assets | 0.5550% | 1,055 |
| Net operating income to assets | 0.7118% | 3,827 |
| Return on assets (ROA) | 0.7118% | 4,041 |
| Pretax return on assets | 1.1730% | 3,016 |
| Return on Equity (ROE) | 7.1344% | 3,702 |
| Retained earnings to average equity (ytd only) | 2.4987% | 5,009 |
| Net charge-offs to loans | 0.7094% | 1,408 |
| Credit loss provision to net charge-offs | 104.7852% | 2,207 |
| Earnings coverage of net charge-offs (x) | 3.2625% | 2,900 |
| Efficiency ratio | 52.4871% | 6,495 |
| Assets per employee ($millions) | 11.4123% | 168 |
| Cash dividends to net income (ytd only)* | 64.9773% | 1,083 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9483% | 6,423 |
| Loan loss allowance to noncurrent loans | 25.2073% | 6,374 |
| Noncurrent assets plus other real estate owned to assets | 2.9385% | 1,968 |
| Noncurrent loans to loans | 3.7620% | 1,652 |
| Net loans and leases to total assets | 73.3590% | 1,164 |
| Net loans and leases to deposits | 100.3680% | 356 |
| Net loans and leases to core deposits | 120.9624% | 295 |
| Total domestic deposits to total assets | 73.0900% | 6,822 |
| Equity capital to assets | 9.9440% | 4,197 |
| Core capital (leverage) ratio | 9.5377% | 3,996 |
| Tier 1 risk-based capital ratio | 13.9823% | 4,484 |
| Total risk-based capital ratio | 15.0183% | 4,617 |
| Memoranda: | ||
| Average total assets | $4,324,239,000 | 186 |
| Average earning assets | $4,085,403,500 | 183 |
| Average equity | $431,429,500 | 214 |
| Average total loans | $3,228,789,000 | 170 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5832% | 988 |
| Cost of funding earning assets | 1.7898% | 224 |
| Net interest margin | 3.7935% | 3,854 |
| Noninterest income to average assets | 0.0621% | 6,787 |
| Noninterest expense to average assets | 1.7799% | 6,977 |
| Loan and lease loss provision to assets | 0.4987% | 2,112 |
| Net operating income to assets | 0.8243% | 2,936 |
| Return on assets (ROA) | 0.8009% | 3,199 |
| Pretax return on assets | 1.3317% | 2,008 |
| Return on Equity (ROE) | 8.2714% | 2,775 |
| Retained earnings to average equity (ytd only) | 3.4802% | 3,742 |
| Net charge-offs to loans | 0.5804% | 2,707 |
| Credit loss provision to net charge-offs | 114.0281% | 2,867 |
| Earnings coverage of net charge-offs (x) | 4.2688% | 3,187 |
| Efficiency ratio | 48.5059% | 6,919 |
| Assets per employee ($millions) | 11.3766% | 166 |
| Cash dividends to net income (ytd only)* | 57.9257% | 1,660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9398% | 6,431 |
| Loan loss allowance to noncurrent loans | 25.8377% | 6,399 |
| Noncurrent assets plus other real estate owned to assets | 2.8123% | 2,145 |
| Noncurrent loans to loans | 3.6372% | 1,747 |
| Net loans and leases to total assets | 74.5756% | 1,161 |
| Net loans and leases to deposits | 101.1995% | 408 |
| Net loans and leases to core deposits | 123.7231% | 302 |
| Total domestic deposits to total assets | 73.6917% | 6,752 |
| Equity capital to assets | 10.0106% | 4,157 |
| Core capital (leverage) ratio | 9.6257% | 3,829 |
| Tier 1 risk-based capital ratio | 14.2641% | 4,137 |
| Total risk-based capital ratio | 15.3189% | 4,226 |
| Memoranda: | ||
| Average total assets | $4,310,923,600 | 188 |
| Average earning assets | $4,073,791,400 | 180 |
| Average equity | $417,424,200 | 212 |
| Average total loans | $3,248,486,000 | 172 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6264% | 980 |
| Cost of funding earning assets | 1.8289% | 236 |
| Net interest margin | 3.7975% | 3,890 |
| Noninterest income to average assets | 0.0450% | 6,974 |
| Noninterest expense to average assets | 1.7773% | 7,020 |
| Loan and lease loss provision to assets | 0.4633% | 2,138 |
| Net operating income to assets | 0.8452% | 2,961 |
| Return on assets (ROA) | 0.8140% | 3,251 |
| Pretax return on assets | 1.3441% | 2,137 |
| Return on Equity (ROE) | 8.4777% | 2,833 |
| Retained earnings to average equity (ytd only) | 3.6520% | 4,155 |
| Net charge-offs to loans | 0.5367% | 2,624 |
| Credit loss provision to net charge-offs | 114.5388% | 2,852 |
| Earnings coverage of net charge-offs (x) | 4.5886% | 3,016 |
| Efficiency ratio | 48.6151% | 6,912 |
| Assets per employee ($millions) | 11.6968% | 158 |
| Cash dividends to net income (ytd only)* | 56.9217% | 1,325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9167% | 6,546 |
| Loan loss allowance to noncurrent loans | 25.4415% | 6,467 |
| Noncurrent assets plus other real estate owned to assets | 2.8020% | 2,319 |
| Noncurrent loans to loans | 3.6033% | 1,907 |
| Net loans and leases to total assets | 74.3320% | 1,273 |
| Net loans and leases to deposits | 101.0575% | 425 |
| Net loans and leases to core deposits | 124.2031% | 308 |
| Total domestic deposits to total assets | 73.5542% | 6,807 |
| Equity capital to assets | 9.9858% | 4,364 |
| Core capital (leverage) ratio | 9.5175% | 4,124 |
| Tier 1 risk-based capital ratio | 14.2429% | 4,165 |
| Total risk-based capital ratio | 15.2786% | 4,305 |
| Memoranda: | ||
| Average total assets | $4,316,408,500 | 188 |
| Average earning assets | $4,078,892,000 | 180 |
| Average equity | $414,442,000 | 210 |
| Average total loans | $3,253,387,500 | 171 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6414% | 988 |
| Cost of funding earning assets | 1.8460% | 261 |
| Net interest margin | 3.7954% | 3,805 |
| Noninterest income to average assets | 0.0409% | 7,079 |
| Noninterest expense to average assets | 1.7823% | 7,101 |
| Loan and lease loss provision to assets | 0.4629% | 2,125 |
| Net operating income to assets | 0.8606% | 2,816 |
| Return on assets (ROA) | 0.8331% | 3,048 |
| Pretax return on assets | 1.3385% | 2,002 |
| Return on Equity (ROE) | 8.7938% | 2,600 |
| Retained earnings to average equity (ytd only) | 3.9075% | 3,707 |
| Net charge-offs to loans | 0.5486% | 2,461 |
| Credit loss provision to net charge-offs | 111.7693% | 2,741 |
| Earnings coverage of net charge-offs (x) | 4.4530% | 2,858 |
| Efficiency ratio | 48.8448% | 7,015 |
| Assets per employee ($millions) | 11.8419% | 154 |
| Cash dividends to net income (ytd only)* | 55.5648% | 1,505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8889% | 6,688 |
| Loan loss allowance to noncurrent loans | 26.1275% | 6,467 |
| Noncurrent assets plus other real estate owned to assets | 2.5883% | 2,568 |
| Noncurrent loans to loans | 3.4022% | 2,089 |
| Net loans and leases to total assets | 74.1671% | 1,383 |
| Net loans and leases to deposits | 102.0680% | 387 |
| Net loans and leases to core deposits | 126.7178% | 307 |
| Total domestic deposits to total assets | 72.6644% | 6,960 |
| Equity capital to assets | 9.6079% | 4,650 |
| Core capital (leverage) ratio | 9.3729% | 4,152 |
| Tier 1 risk-based capital ratio | 13.5752% | 4,475 |
| Total risk-based capital ratio | 14.5423% | 4,670 |
| Memoranda: | ||
| Average total assets | $4,320,408,000 | 189 |
| Average earning assets | $4,081,704,000 | 183 |
| Average equity | $409,313,000 | 212 |
| Average total loans | $3,261,463,670 | 171 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6689% | 939 |
| Cost of funding earning assets | 1.8529% | 310 |
| Net interest margin | 3.8159% | 3,532 |
| Noninterest income to average assets | 0.0412% | 7,178 |
| Noninterest expense to average assets | 1.8251% | 7,109 |
| Loan and lease loss provision to assets | 0.4630% | 1,903 |
| Net operating income to assets | 0.8421% | 2,812 |
| Return on assets (ROA) | 0.7872% | 3,161 |
| Pretax return on assets | 1.2746% | 2,122 |
| Return on Equity (ROE) | 8.3686% | 2,753 |
| Retained earnings to average equity (ytd only) | 3.4465% | 4,121 |
| Net charge-offs to loans | 0.7617% | 1,696 |
| Credit loss provision to net charge-offs | 80.1796% | 3,155 |
| Earnings coverage of net charge-offs (x) | 3.1575% | 2,831 |
| Efficiency ratio | 49.7246% | 7,008 |
| Assets per employee ($millions) | 12.1577% | 148 |
| Cash dividends to net income (ytd only)* | 58.8166% | 1,278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8084% | 6,898 |
| Loan loss allowance to noncurrent loans | 21.0827% | 6,732 |
| Noncurrent assets plus other real estate owned to assets | 2.9588% | 2,332 |
| Noncurrent loans to loans | 3.8343% | 1,915 |
| Net loans and leases to total assets | 75.2346% | 1,142 |
| Net loans and leases to deposits | 99.9688% | 471 |
| Net loans and leases to core deposits | 123.6686% | 351 |
| Total domestic deposits to total assets | 75.2580% | 6,762 |
| Equity capital to assets | 9.4223% | 4,534 |
| Core capital (leverage) ratio | 9.2693% | 4,174 |
| Tier 1 risk-based capital ratio | 13.2125% | 4,654 |
| Total risk-based capital ratio | 14.0889% | 4,925 |
| Memoranda: | ||
| Average total assets | $4,319,457,000 | 190 |
| Average earning assets | $4,083,287,500 | 182 |
| Average equity | $406,327,500 | 211 |
| Average total loans | $3,274,954,000 | 171 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8309% | 1,198 |
| Cost of funding earning assets | 2.2013% | 305 |
| Net interest margin | 3.6295% | 4,673 |
| Noninterest income to average assets | 0.1025% | 6,883 |
| Noninterest expense to average assets | 1.6414% | 7,380 |
| Loan and lease loss provision to assets | 0.4965% | 3,174 |
| Net operating income to assets | 0.9779% | 2,115 |
| Return on assets (ROA) | 0.9439% | 2,350 |
| Pretax return on assets | 1.3437% | 1,822 |
| Return on Equity (ROE) | 10.1202% | 1,880 |
| Retained earnings to average equity (ytd only) | 7.5851% | 1,122 |
| Net charge-offs to loans | 0.4177% | 3,947 |
| Credit loss provision to net charge-offs | 154.1284% | 2,301 |
| Earnings coverage of net charge-offs (x) | 5.8635% | 2,512 |
| Efficiency ratio | 46.1826% | 7,344 |
| Assets per employee ($millions) | 11.9749% | 155 |
| Cash dividends to net income (ytd only)* | 25.0495% | 3,253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8454% | 6,865 |
| Loan loss allowance to noncurrent loans | 24.7107% | 6,613 |
| Noncurrent assets plus other real estate owned to assets | 2.6297% | 2,645 |
| Noncurrent loans to loans | 3.4213% | 2,219 |
| Net loans and leases to total assets | 75.1489% | 1,443 |
| Net loans and leases to deposits | 101.3875% | 511 |
| Net loans and leases to core deposits | 125.1817% | 407 |
| Total domestic deposits to total assets | 74.1204% | 6,877 |
| Equity capital to assets | 9.3915% | 4,557 |
| Core capital (leverage) ratio | 9.1765% | 4,216 |
| Tier 1 risk-based capital ratio | 13.0683% | 4,550 |
| Total risk-based capital ratio | 13.9840% | 4,808 |
| Memoranda: | ||
| Average total assets | $4,229,560,000 | 194 |
| Average earning assets | $3,994,491,000 | 183 |
| Average equity | $394,468,600 | 212 |
| Average total loans | $3,261,877,600 | 172 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8895% | 1,159 |
| Cost of funding earning assets | 2.2612% | 313 |
| Net interest margin | 3.6283% | 4,739 |
| Noninterest income to average assets | 0.0687% | 7,188 |
| Noninterest expense to average assets | 1.6607% | 7,460 |
| Loan and lease loss provision to assets | 0.4755% | 3,092 |
| Net operating income to assets | 1.0046% | 2,219 |
| Return on assets (ROA) | 0.9700% | 2,453 |
| Pretax return on assets | 1.3111% | 2,135 |
| Return on Equity (ROE) | 10.4188% | 1,969 |
| Retained earnings to average equity (ytd only) | 8.7164% | 1,153 |
| Net charge-offs to loans | 0.3242% | 4,041 |
| Credit loss provision to net charge-offs | 189.3461% | 1,902 |
| Earnings coverage of net charge-offs (x) | 7.3011% | 2,357 |
| Efficiency ratio | 47.2099% | 7,316 |
| Assets per employee ($millions) | 12.3416% | 157 |
| Cash dividends to net income (ytd only)* | 16.3399% | 3,110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8342% | 6,932 |
| Loan loss allowance to noncurrent loans | 25.9767% | 6,575 |
| Noncurrent assets plus other real estate owned to assets | 2.5103% | 2,859 |
| Noncurrent loans to loans | 3.2115% | 2,476 |
| Net loans and leases to total assets | 76.7236% | 1,274 |
| Net loans and leases to deposits | 110.6705% | 243 |
| Net loans and leases to core deposits | 135.2463% | 311 |
| Total domestic deposits to total assets | 69.3262% | 7,309 |
| Equity capital to assets | 9.6680% | 4,589 |
| Core capital (leverage) ratio | 9.2582% | 4,264 |
| Tier 1 risk-based capital ratio | 13.2856% | 4,363 |
| Total risk-based capital ratio | 14.2170% | 4,582 |
| Memoranda: | ||
| Average total assets | $4,206,218,750 | 192 |
| Average earning assets | $3,971,034,500 | 183 |
| Average equity | $391,588,750 | 213 |
| Average total loans | $3,258,264,750 | 172 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8803% | 1,230 |
| Cost of funding earning assets | 2.3207% | 315 |
| Net interest margin | 3.5596% | 5,002 |
| Noninterest income to average assets | 0.0808% | 7,185 |
| Noninterest expense to average assets | 1.6703% | 7,523 |
| Loan and lease loss provision to assets | 0.4770% | 2,923 |
| Net operating income to assets | 0.7899% | 3,013 |
| Return on assets (ROA) | 0.7604% | 3,303 |
| Pretax return on assets | 1.2472% | 2,265 |
| Return on Equity (ROE) | 8.2756% | 2,772 |
| Retained earnings to average equity (ytd only) | 8.2756% | 1,345 |
| Net charge-offs to loans | 0.2717% | 3,981 |
| Credit loss provision to net charge-offs | 226.5519% | 1,709 |
| Earnings coverage of net charge-offs (x) | 8.4082% | 2,139 |
| Efficiency ratio | 48.2227% | 7,336 |
| Assets per employee ($millions) | 12.4791% | 145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7880% | 7,059 |
| Loan loss allowance to noncurrent loans | 24.1867% | 6,726 |
| Noncurrent assets plus other real estate owned to assets | 2.5881% | 2,807 |
| Noncurrent loans to loans | 3.2578% | 2,462 |
| Net loans and leases to total assets | 76.6660% | 1,354 |
| Net loans and leases to deposits | 111.8477% | 235 |
| Net loans and leases to core deposits | 138.5263% | 300 |
| Total domestic deposits to total assets | 68.5450% | 7,407 |
| Equity capital to assets | 9.3579% | 4,918 |
| Core capital (leverage) ratio | 9.0010% | 4,599 |
| Tier 1 risk-based capital ratio | 12.9515% | 4,490 |
| Total risk-based capital ratio | 13.8320% | 4,763 |
| Memoranda: | ||
| Average total assets | $4,193,122,330 | 194 |
| Average earning assets | $3,957,730,670 | 185 |
| Average equity | $385,299,670 | 214 |
| Average total loans | $3,249,449,670 | 170 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9800% | 1,014 |
| Cost of funding earning assets | 2.3834% | 319 |
| Net interest margin | 3.5966% | 4,747 |
| Noninterest income to average assets | 0.1608% | 6,822 |
| Noninterest expense to average assets | 1.7128% | 7,564 |
| Loan and lease loss provision to assets | 0.4805% | 2,579 |
| Net operating income to assets | 0.8231% | 2,871 |
| Return on assets (ROA) | 0.8231% | 2,964 |
| Pretax return on assets | 1.3581% | 1,882 |
| Return on Equity (ROE) | 9.0423% | 2,483 |
| Retained earnings to average equity (ytd only) | 9.0423% | 1,391 |
| Net charge-offs to loans | 0.2838% | 3,273 |
| Credit loss provision to net charge-offs | 218.1501% | 1,724 |
| Earnings coverage of net charge-offs (x) | 8.3469% | 1,969 |
| Efficiency ratio | 47.9122% | 7,443 |
| Assets per employee ($millions) | 12.5933% | 151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7110% | 7,321 |
| Loan loss allowance to noncurrent loans | 25.9893% | 6,675 |
| Noncurrent assets plus other real estate owned to assets | 2.1625% | 3,317 |
| Noncurrent loans to loans | 2.7356% | 2,916 |
| Net loans and leases to total assets | 76.9316% | 1,342 |
| Net loans and leases to deposits | 113.1507% | 227 |
| Net loans and leases to core deposits | 140.7404% | 320 |
| Total domestic deposits to total assets | 67.9904% | 7,530 |
| Equity capital to assets | 9.1942% | 4,995 |
| Core capital (leverage) ratio | 8.9719% | 4,618 |
| Tier 1 risk-based capital ratio | 12.8773% | 4,419 |
| Total risk-based capital ratio | 13.6708% | 4,766 |
| Memoranda: | ||
| Average total assets | $4,161,991,500 | 200 |
| Average earning assets | $3,923,726,000 | 192 |
| Average equity | $378,841,500 | 221 |
| Average total loans | $3,230,003,500 | 172 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1072% | 1,496 |
| Cost of funding earning assets | 2.9247% | 282 |
| Net interest margin | 3.1826% | 6,151 |
| Noninterest income to average assets | 0.3203% | 5,795 |
| Noninterest expense to average assets | 1.5751% | 7,781 |
| Loan and lease loss provision to assets | 0.4802% | 3,961 |
| Net operating income to assets | 0.7740% | 2,622 |
| Return on assets (ROA) | 0.7030% | 2,991 |
| Pretax return on assets | 1.1504% | 2,096 |
| Return on Equity (ROE) | 8.4888% | 2,202 |
| Retained earnings to average equity (ytd only) | 8.4888% | 588 |
| Net charge-offs to loans | 0.3289% | 4,589 |
| Credit loss provision to net charge-offs | 191.1015% | 2,091 |
| Earnings coverage of net charge-offs (x) | 6.9305% | 2,259 |
| Efficiency ratio | 47.1460% | 7,659 |
| Assets per employee ($millions) | 12.5166% | 158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6311% | 7,512 |
| Loan loss allowance to noncurrent loans | 24.3775% | 6,835 |
| Noncurrent assets plus other real estate owned to assets | 2.0670% | 3,312 |
| Noncurrent loans to loans | 2.5888% | 2,970 |
| Net loans and leases to total assets | 77.2424% | 1,535 |
| Net loans and leases to deposits | 118.0550% | 201 |
| Net loans and leases to core deposits | 134.0639% | 1,048 |
| Total domestic deposits to total assets | 65.4292% | 7,662 |
| Equity capital to assets | 9.0097% | 5,132 |
| Core capital (leverage) ratio | 8.8384% | 4,705 |
| Tier 1 risk-based capital ratio | 12.7790% | 4,300 |
| Total risk-based capital ratio | 13.4904% | 4,698 |
| Memoranda: | ||
| Average total assets | $4,061,033,400 | 207 |
| Average earning assets | $3,823,250,200 | 193 |
| Average equity | $336,336,200 | 232 |
| Average total loans | $3,102,649,800 | 188 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1375% | 1,532 |
| Cost of funding earning assets | 3.0075% | 326 |
| Net interest margin | 3.1301% | 6,232 |
| Noninterest income to average assets | 0.3124% | 5,985 |
| Noninterest expense to average assets | 1.5942% | 7,837 |
| Loan and lease loss provision to assets | 0.4785% | 3,513 |
| Net operating income to assets | 0.7179% | 3,142 |
| Return on assets (ROA) | 0.7163% | 3,218 |
| Pretax return on assets | 1.1841% | 2,319 |
| Return on Equity (ROE) | 8.8484% | 2,318 |
| Retained earnings to average equity (ytd only) | 8.8484% | 879 |
| Net charge-offs to loans | 0.3015% | 4,141 |
| Credit loss provision to net charge-offs | 208.6331% | 2,115 |
| Earnings coverage of net charge-offs (x) | 7.2601% | 2,440 |
| Efficiency ratio | 48.5583% | 7,643 |
| Assets per employee ($millions) | 12.6863% | 151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5846% | 7,605 |
| Loan loss allowance to noncurrent loans | 23.8033% | 6,854 |
| Noncurrent assets plus other real estate owned to assets | 1.9433% | 3,429 |
| Noncurrent loans to loans | 2.4558% | 3,068 |
| Net loans and leases to total assets | 77.3456% | 1,710 |
| Net loans and leases to deposits | 117.0726% | 253 |
| Net loans and leases to core deposits | 132.2502% | 1,318 |
| Total domestic deposits to total assets | 66.0664% | 7,683 |
| Equity capital to assets | 8.6916% | 5,967 |
| Core capital (leverage) ratio | 8.5482% | 5,406 |
| Tier 1 risk-based capital ratio | 12.3121% | 4,694 |
| Total risk-based capital ratio | 12.9690% | 5,170 |
| Memoranda: | ||
| Average total assets | $4,040,539,750 | 214 |
| Average earning assets | $3,804,028,750 | 205 |
| Average equity | $327,101,750 | 243 |
| Average total loans | $3,073,191,750 | 200 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1850% | 1,507 |
| Cost of funding earning assets | 3.0969% | 353 |
| Net interest margin | 3.0881% | 6,288 |
| Noninterest income to average assets | 0.3697% | 5,554 |
| Noninterest expense to average assets | 1.6510% | 7,881 |
| Loan and lease loss provision to assets | 0.4720% | 3,164 |
| Net operating income to assets | 0.6949% | 3,276 |
| Return on assets (ROA) | 0.6594% | 3,539 |
| Pretax return on assets | 1.0926% | 2,666 |
| Return on Equity (ROE) | 8.3528% | 2,632 |
| Retained earnings to average equity (ytd only) | 8.3528% | 1,105 |
| Net charge-offs to loans | 0.4016% | 3,189 |
| Credit loss provision to net charge-offs | 155.7122% | 2,955 |
| Earnings coverage of net charge-offs (x) | 5.3450% | 2,852 |
| Efficiency ratio | 50.1177% | 7,659 |
| Assets per employee ($millions) | 12.1250% | 163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4655% | 7,825 |
| Loan loss allowance to noncurrent loans | 23.7048% | 6,924 |
| Noncurrent assets plus other real estate owned to assets | 1.5109% | 3,961 |
| Noncurrent loans to loans | 1.9639% | 3,572 |
| Net loans and leases to total assets | 75.9388% | 2,196 |
| Net loans and leases to deposits | 114.4268% | 378 |
| Net loans and leases to core deposits | 138.0444% | 1,105 |
| Total domestic deposits to total assets | 66.3646% | 7,717 |
| Equity capital to assets | 8.0681% | 6,666 |
| Core capital (leverage) ratio | 8.1123% | 6,143 |
| Tier 1 risk-based capital ratio | 11.9810% | 4,936 |
| Total risk-based capital ratio | 12.5053% | 5,550 |
| Memoranda: | ||
| Average total assets | $4,025,726,330 | 221 |
| Average earning assets | $3,782,286,670 | 210 |
| Average equity | $317,785,000 | 251 |
| Average total loans | $3,038,212,000 | 206 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1359% | 1,808 |
| Cost of funding earning assets | 3.2084% | 333 |
| Net interest margin | 2.9274% | 6,677 |
| Noninterest income to average assets | 0.4173% | 5,079 |
| Noninterest expense to average assets | 1.5736% | 7,925 |
| Loan and lease loss provision to assets | 0.4491% | 2,670 |
| Net operating income to assets | 0.7023% | 3,550 |
| Return on assets (ROA) | 0.7023% | 3,737 |
| Pretax return on assets | 1.1459% | 2,815 |
| Return on Equity (ROE) | 8.9969% | 2,727 |
| Retained earnings to average equity (ytd only) | 8.9969% | 1,486 |
| Net charge-offs to loans | 0.0330% | 5,053 |
| Credit loss provision to net charge-offs | 1,814.5161% | 353 |
| Earnings coverage of net charge-offs (x) | 64.4395% | 615 |
| Efficiency ratio | 49.2928% | 7,643 |
| Assets per employee ($millions) | 12.3255% | 160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5020% | 7,823 |
| Loan loss allowance to noncurrent loans | 25.7101% | 6,853 |
| Noncurrent assets plus other real estate owned to assets | 1.4642% | 3,738 |
| Noncurrent loans to loans | 1.9524% | 3,336 |
| Net loans and leases to total assets | 74.4628% | 2,632 |
| Net loans and leases to deposits | 114.8715% | 413 |
| Net loans and leases to core deposits | 135.8959% | 1,311 |
| Total domestic deposits to total assets | 64.8227% | 7,805 |
| Equity capital to assets | 7.8163% | 7,039 |
| Core capital (leverage) ratio | 7.8652% | 6,672 |
| Tier 1 risk-based capital ratio | 12.4795% | 4,563 |
| Total risk-based capital ratio | 13.0753% | 5,010 |
| Memoranda: | ||
| Average total assets | $4,007,659,000 | 221 |
| Average earning assets | $3,766,573,000 | 208 |
| Average equity | $312,820,000 | 257 |
| Average total loans | $3,007,839,500 | 205 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5695% | 2,625 |
| Cost of funding earning assets | 3.7120% | 255 |
| Net interest margin | 2.8576% | 7,241 |
| Noninterest income to average assets | 0.0735% | 7,772 |
| Noninterest expense to average assets | 1.5082% | 8,031 |
| Loan and lease loss provision to assets | 0.1563% | 5,366 |
| Net operating income to assets | 0.8984% | 3,005 |
| Return on assets (ROA) | 0.2825% | 5,411 |
| Pretax return on assets | 0.3438% | 5,407 |
| Return on Equity (ROE) | 3.7796% | 4,902 |
| Retained earnings to average equity (ytd only) | 3.7796% | 2,779 |
| Net charge-offs to loans | 0.0343% | 6,331 |
| Credit loss provision to net charge-offs | 572.0123% | 764 |
| Earnings coverage of net charge-offs (x) | 45.7845% | 813 |
| Efficiency ratio | 54.1858% | 7,252 |
| Assets per employee ($millions) | 12.4148% | 151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3711% | 8,021 |
| Loan loss allowance to noncurrent loans | 27.5886% | 6,855 |
| Noncurrent assets plus other real estate owned to assets | 1.0157% | 4,288 |
| Noncurrent loans to loans | 1.3451% | 3,828 |
| Net loans and leases to total assets | 74.9932% | 2,882 |
| Net loans and leases to deposits | 118.9214% | 413 |
| Net loans and leases to core deposits | 138.6222% | 1,336 |
| Total domestic deposits to total assets | 63.0612% | 7,835 |
| Equity capital to assets | 7.7944% | 7,100 |
| Core capital (leverage) ratio | 7.9169% | 6,625 |
| Tier 1 risk-based capital ratio | 12.5743% | 4,393 |
| Total risk-based capital ratio | 13.0174% | 4,920 |
| Memoranda: | ||
| Average total assets | $3,582,662,400 | 228 |
| Average earning assets | $3,367,421,800 | 219 |
| Average equity | $267,809,600 | 291 |
| Average total loans | $2,852,925,400 | 208 |