Home > Fort Lee Federal Savings Bank, FSB > Performance and Condition Ratios
Fort Lee Federal Savings Bank, FSB, Performance and Condition Ratios
| 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 | 4.0953% | 5,474 |
| Cost of funding earning assets | 2.0275% | 41 |
| Net interest margin | 2.0678% | 7,142 |
| Noninterest income to average assets | 0.9842% | 1,469 |
| Noninterest expense to average assets | 4.0877% | 838 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -1.8811% | 7,145 |
| Return on assets (ROA) | -1.8811% | 7,147 |
| Pretax return on assets | -1.8811% | 7,126 |
| Return on Equity (ROE) | -103.5500% | 7,268 |
| Retained earnings to average equity (ytd only) | -103.5500% | 7,264 |
| Net charge-offs to loans | 12.4342% | 12 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | -0.2778% | 4,458 |
| Efficiency ratio | 185.2518% | 51 |
| Assets per employee ($millions) | 4.4419% | 3,099 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0140% | 2,315 |
| Loan loss allowance to noncurrent loans | 18.6119% | 6,606 |
| Noncurrent assets plus other real estate owned to assets | 6.7661% | 645 |
| Noncurrent loans to loans | 10.8209% | 258 |
| Net loans and leases to total assets | 53.6706% | 4,775 |
| Net loans and leases to deposits | 54.8780% | 5,717 |
| Net loans and leases to core deposits | 57.3290% | 5,777 |
| Total domestic deposits to total assets | 97.7999% | 11 |
| Equity capital to assets | 1.6312% | 7,291 |
| Core capital (leverage) ratio | 1.6148% | 7,292 |
| Tier 1 risk-based capital ratio | 3.5882% | 7,257 |
| Total risk-based capital ratio | 4.8979% | 7,256 |
| Memoranda: | ||
| Average total assets | $50,395,000 | 6,358 |
| Average earning assets | $29,790,000 | 6,857 |
| Average equity | $915,500 | 7,283 |
| Average total loans | $27,440,500 | 6,221 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4956% | 1,180 |
| Cost of funding earning assets | 2.0047% | 98 |
| Net interest margin | 3.4909% | 5,176 |
| Noninterest income to average assets | 0.9551% | 1,489 |
| Noninterest expense to average assets | 5.0118% | 377 |
| Loan and lease loss provision to assets | 1.5687% | 460 |
| Net operating income to assets | -5.0512% | 7,306 |
| Return on assets (ROA) | -5.0512% | 7,309 |
| Pretax return on assets | -3.3734% | 7,222 |
| Return on Equity (ROE) | -92.5902% | 7,302 |
| Retained earnings to average equity (ytd only) | -92.5902% | 7,302 |
| Net charge-offs to loans | 3.3178% | 249 |
| Credit loss provision to net charge-offs | 80.0182% | 4,447 |
| Earnings coverage of net charge-offs (x) | -0.9206% | 6,180 |
| Efficiency ratio | 156.2744% | 123 |
| Assets per employee ($millions) | 4.7208% | 2,560 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5399% | 3,827 |
| Loan loss allowance to noncurrent loans | 10.7578% | 6,810 |
| Noncurrent assets plus other real estate owned to assets | 8.4153% | 453 |
| Noncurrent loans to loans | 14.3147% | 146 |
| Net loans and leases to total assets | 53.3132% | 5,127 |
| Net loans and leases to deposits | 54.6508% | 6,007 |
| Net loans and leases to core deposits | 58.0131% | 5,999 |
| Total domestic deposits to total assets | 97.5524% | 15 |
| Equity capital to assets | 1.9912% | 7,326 |
| Core capital (leverage) ratio | 1.9761% | 7,327 |
| Tier 1 risk-based capital ratio | 3.7445% | 7,291 |
| Total risk-based capital ratio | 5.0000% | 7,292 |
| Memoranda: | ||
| Average total assets | $55,907,600 | 6,164 |
| Average earning assets | $36,065,200 | 6,678 |
| Average equity | $3,050,000 | 7,000 |
| Average total loans | $33,033,600 | 6,011 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3661% | 1,617 |
| Cost of funding earning assets | 1.9478% | 147 |
| Net interest margin | 3.4184% | 5,514 |
| Noninterest income to average assets | 0.9373% | 1,526 |
| Noninterest expense to average assets | 4.9464% | 391 |
| Loan and lease loss provision to assets | 1.1435% | 705 |
| Net operating income to assets | -1.6683% | 7,078 |
| Return on assets (ROA) | -1.6683% | 7,087 |
| Pretax return on assets | -2.9032% | 7,261 |
| Return on Equity (ROE) | -26.7110% | 7,176 |
| Retained earnings to average equity (ytd only) | -26.7110% | 7,167 |
| Net charge-offs to loans | 2.7512% | 372 |
| Credit loss provision to net charge-offs | 69.0240% | 4,511 |
| Earnings coverage of net charge-offs (x) | -1.0622% | 5,939 |
| Efficiency ratio | 155.2206% | 120 |
| Assets per employee ($millions) | 5.4939% | 1,607 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4242% | 4,447 |
| Loan loss allowance to noncurrent loans | 9.0152% | 6,907 |
| Noncurrent assets plus other real estate owned to assets | 8.7424% | 463 |
| Noncurrent loans to loans | 15.7973% | 121 |
| Net loans and leases to total assets | 54.5532% | 5,080 |
| Net loans and leases to deposits | 58.1070% | 5,833 |
| Net loans and leases to core deposits | 62.3720% | 5,786 |
| Total domestic deposits to total assets | 93.8841% | 88 |
| Equity capital to assets | 5.7191% | 7,212 |
| Core capital (leverage) ratio | 2.6720% | 7,365 |
| Tier 1 risk-based capital ratio | 4.4370% | 7,351 |
| Total risk-based capital ratio | 5.6850% | 7,353 |
| Memoranda: | ||
| Average total assets | $56,902,250 | 6,188 |
| Average earning assets | $37,443,750 | 6,686 |
| Average equity | $3,554,000 | 6,921 |
| Average total loans | $34,262,500 | 6,010 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0858% | 2,749 |
| Cost of funding earning assets | 1.8783% | 227 |
| Net interest margin | 3.2075% | 6,138 |
| Noninterest income to average assets | 0.9278% | 1,546 |
| Noninterest expense to average assets | 4.7536% | 458 |
| Loan and lease loss provision to assets | 1.1745% | 674 |
| Net operating income to assets | -1.6992% | 7,139 |
| Return on assets (ROA) | -1.6992% | 7,151 |
| Pretax return on assets | -2.8285% | 7,285 |
| Return on Equity (ROE) | -26.4945% | 7,211 |
| Retained earnings to average equity (ytd only) | -26.4945% | 7,202 |
| Net charge-offs to loans | 2.8581% | 379 |
| Credit loss provision to net charge-offs | 66.5354% | 4,160 |
| Earnings coverage of net charge-offs (x) | -0.9370% | 5,622 |
| Efficiency ratio | 153.3632% | 141 |
| Assets per employee ($millions) | 4.1207% | 3,511 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4671% | 4,271 |
| Loan loss allowance to noncurrent loans | 12.7818% | 6,908 |
| Noncurrent assets plus other real estate owned to assets | 6.5367% | 815 |
| Noncurrent loans to loans | 11.4781% | 288 |
| Net loans and leases to total assets | 56.1137% | 4,976 |
| Net loans and leases to deposits | 59.8440% | 5,742 |
| Net loans and leases to core deposits | 63.6743% | 5,761 |
| Total domestic deposits to total assets | 93.7667% | 89 |
| Equity capital to assets | 5.8329% | 7,266 |
| Core capital (leverage) ratio | 3.2640% | 7,414 |
| Tier 1 risk-based capital ratio | 5.3571% | 7,388 |
| Total risk-based capital ratio | 6.6080% | 7,389 |
| Memoranda: | ||
| Average total assets | $57,556,670 | 6,219 |
| Average earning assets | $38,971,000 | 6,686 |
| Average equity | $3,691,330 | 6,932 |
| Average total loans | $35,548,670 | 5,988 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7831% | 4,131 |
| Cost of funding earning assets | 1.8072% | 366 |
| Net interest margin | 2.9759% | 6,619 |
| Noninterest income to average assets | 0.9602% | 1,431 |
| Noninterest expense to average assets | 4.6130% | 532 |
| Loan and lease loss provision to assets | 0.8767% | 928 |
| Net operating income to assets | -1.4542% | 7,187 |
| Return on assets (ROA) | -1.4542% | 7,191 |
| Pretax return on assets | -2.4213% | 7,310 |
| Return on Equity (ROE) | -21.6889% | 7,238 |
| Retained earnings to average equity (ytd only) | -21.6889% | 7,184 |
| Net charge-offs to loans | 4.2823% | 202 |
| Credit loss provision to net charge-offs | 31.8987% | 4,085 |
| Earnings coverage of net charge-offs (x) | -0.5620% | 4,814 |
| Efficiency ratio | 150.3401% | 164 |
| Assets per employee ($millions) | 4.1878% | 3,476 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0985% | 6,052 |
| Loan loss allowance to noncurrent loans | 9.4103% | 7,019 |
| Noncurrent assets plus other real estate owned to assets | 6.9420% | 775 |
| Noncurrent loans to loans | 11.6729% | 295 |
| Net loans and leases to total assets | 58.8173% | 4,496 |
| Net loans and leases to deposits | 62.8800% | 5,400 |
| Net loans and leases to core deposits | 66.5213% | 5,462 |
| Total domestic deposits to total assets | 93.5390% | 97 |
| Equity capital to assets | 6.2205% | 7,262 |
| Core capital (leverage) ratio | 4.0152% | 7,436 |
| Tier 1 risk-based capital ratio | 6.4656% | 7,404 |
| Total risk-based capital ratio | 7.5422% | 7,416 |
| Memoranda: | ||
| Average total assets | $57,490,000 | 6,274 |
| Average earning assets | $40,726,500 | 6,655 |
| Average equity | $3,854,500 | 6,921 |
| Average total loans | $36,896,000 | 5,993 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9704% | 152 |
| Cost of funding earning assets | 2.0193% | 569 |
| Net interest margin | 4.9511% | 485 |
| Noninterest income to average assets | 0.8570% | 2,022 |
| Noninterest expense to average assets | 3.4853% | 2,219 |
| Loan and lease loss provision to assets | 4.6184% | 96 |
| Net operating income to assets | -2.0022% | 7,057 |
| Return on assets (ROA) | -2.0022% | 7,069 |
| Pretax return on assets | -3.3254% | 7,341 |
| Return on Equity (ROE) | -25.5546% | 7,147 |
| Retained earnings to average equity (ytd only) | -26.3634% | 7,147 |
| Net charge-offs to loans | 6.1767% | 89 |
| Credit loss provision to net charge-offs | 106.7667% | 4,176 |
| Earnings coverage of net charge-offs (x) | 0.2989% | 5,808 |
| Efficiency ratio | 72.9397% | 3,607 |
| Assets per employee ($millions) | 4.0251% | 3,734 |
| Cash dividends to net income (ytd only)* | -3.1650% | 7,442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6750% | 3,311 |
| Loan loss allowance to noncurrent loans | 16.7868% | 6,918 |
| Noncurrent assets plus other real estate owned to assets | 6.8925% | 798 |
| Noncurrent loans to loans | 9.9782% | 427 |
| Net loans and leases to total assets | 67.9189% | 3,001 |
| Net loans and leases to deposits | 73.3804% | 4,299 |
| Net loans and leases to core deposits | 78.2471% | 4,429 |
| Total domestic deposits to total assets | 92.5574% | 181 |
| Equity capital to assets | 7.2084% | 7,033 |
| Core capital (leverage) ratio | 5.5490% | 7,357 |
| Tier 1 risk-based capital ratio | 8.3980% | 7,314 |
| Total risk-based capital ratio | 9.6555% | 7,321 |
| Memoranda: | ||
| Average total assets | $66,277,800 | 5,988 |
| Average earning assets | $52,493,400 | 6,267 |
| Average equity | $5,192,800 | 6,601 |
| Average total loans | $46,416,200 | 5,619 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8144% | 198 |
| Cost of funding earning assets | 2.0887% | 563 |
| Net interest margin | 4.7257% | 795 |
| Noninterest income to average assets | 0.8183% | 2,138 |
| Noninterest expense to average assets | 3.2945% | 2,591 |
| Loan and lease loss provision to assets | 0.6961% | 2,205 |
| Net operating income to assets | 0.3471% | 4,985 |
| Return on assets (ROA) | 0.3471% | 5,154 |
| Pretax return on assets | 0.5875% | 4,638 |
| Return on Equity (ROE) | 4.3587% | 4,612 |
| Retained earnings to average equity (ytd only) | 3.3360% | 4,102 |
| Net charge-offs to loans | 0.9415% | 2,111 |
| Credit loss provision to net charge-offs | 105.2786% | 4,068 |
| Earnings coverage of net charge-offs (x) | 1.9413% | 4,249 |
| Efficiency ratio | 71.9610% | 3,704 |
| Assets per employee ($millions) | 4.5616% | 2,813 |
| Cash dividends to net income (ytd only)* | 23.4643% | 2,817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0662% | 6,088 |
| Loan loss allowance to noncurrent loans | 7.8782% | 7,206 |
| Noncurrent assets plus other real estate owned to assets | 9.4610% | 446 |
| Noncurrent loans to loans | 13.5340% | 207 |
| Net loans and leases to total assets | 69.1601% | 2,945 |
| Net loans and leases to deposits | 76.2644% | 4,131 |
| Net loans and leases to core deposits | 81.1535% | 4,364 |
| Total domestic deposits to total assets | 90.6846% | 558 |
| Equity capital to assets | 8.7188% | 5,981 |
| Core capital (leverage) ratio | 8.7002% | 5,189 |
| Tier 1 risk-based capital ratio | 13.2240% | 4,404 |
| Total risk-based capital ratio | 14.3571% | 4,466 |
| Memoranda: | ||
| Average total assets | $68,759,500 | 5,980 |
| Average earning assets | $54,706,500 | 6,253 |
| Average equity | $5,475,500 | 6,597 |
| Average total loans | $48,289,000 | 5,632 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8094% | 199 |
| Cost of funding earning assets | 2.1951% | 475 |
| Net interest margin | 4.6143% | 965 |
| Noninterest income to average assets | 0.7813% | 2,226 |
| Noninterest expense to average assets | 3.1623% | 3,042 |
| Loan and lease loss provision to assets | 0.7359% | 1,968 |
| Net operating income to assets | 0.3409% | 5,015 |
| Return on assets (ROA) | 0.3409% | 5,183 |
| Pretax return on assets | 0.5682% | 4,676 |
| Return on Equity (ROE) | 4.4080% | 4,595 |
| Retained earnings to average equity (ytd only) | 3.1223% | 4,123 |
| Net charge-offs to loans | 0.5252% | 2,959 |
| Credit loss provision to net charge-offs | 199.2308% | 1,982 |
| Earnings coverage of net charge-offs (x) | 3.5308% | 3,289 |
| Efficiency ratio | 70.8015% | 4,019 |
| Assets per employee ($millions) | 5.2990% | 1,811 |
| Cash dividends to net income (ytd only)* | 29.1667% | 2,541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2447% | 5,216 |
| Loan loss allowance to noncurrent loans | 19.8916% | 6,947 |
| Noncurrent assets plus other real estate owned to assets | 3.9778% | 1,743 |
| Noncurrent loans to loans | 6.2576% | 987 |
| Net loans and leases to total assets | 62.7773% | 4,523 |
| Net loans and leases to deposits | 68.0877% | 5,550 |
| Net loans and leases to core deposits | 71.8083% | 5,694 |
| Total domestic deposits to total assets | 92.2007% | 192 |
| Equity capital to assets | 7.4381% | 7,150 |
| Core capital (leverage) ratio | 7.4069% | 6,915 |
| Tier 1 risk-based capital ratio | 12.1926% | 5,138 |
| Total risk-based capital ratio | 13.4378% | 5,111 |
| Memoranda: | ||
| Average total assets | $70,392,000 | 5,966 |
| Average earning assets | $56,216,330 | 6,235 |
| Average equity | $5,444,670 | 6,634 |
| Average total loans | $49,504,330 | 5,629 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7647% | 236 |
| Cost of funding earning assets | 2.2410% | 520 |
| Net interest margin | 4.5237% | 1,093 |
| Noninterest income to average assets | 0.7125% | 2,517 |
| Noninterest expense to average assets | 3.3054% | 2,517 |
| Loan and lease loss provision to assets | 1.5125% | 768 |
| Net operating income to assets | -0.1869% | 6,530 |
| Return on assets (ROA) | -0.1869% | 6,603 |
| Pretax return on assets | -0.3095% | 6,650 |
| Return on Equity (ROE) | -2.3669% | 6,677 |
| Retained earnings to average equity (ytd only) | -3.6243% | 6,451 |
| Net charge-offs to loans | -0.0395% | 7,281 |
| Credit loss provision to net charge-offs | -5,180.0000% | 6,647 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3161% | 3,704 |
| Assets per employee ($millions) | 4.9556% | 2,294 |
| Cash dividends to net income (ytd only)* | -53.1250% | 7,872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4412% | 4,202 |
| Loan loss allowance to noncurrent loans | 39.8455% | 5,706 |
| Noncurrent assets plus other real estate owned to assets | 2.6118% | 2,788 |
| Noncurrent loans to loans | 3.6171% | 2,200 |
| Net loans and leases to total assets | 71.1667% | 2,658 |
| Net loans and leases to deposits | 77.3972% | 4,145 |
| Net loans and leases to core deposits | 81.0154% | 4,620 |
| Total domestic deposits to total assets | 91.9499% | 255 |
| Equity capital to assets | 7.7647% | 6,875 |
| Core capital (leverage) ratio | 7.6676% | 6,661 |
| Tier 1 risk-based capital ratio | 11.6021% | 5,575 |
| Total risk-based capital ratio | 12.8553% | 5,543 |
| Memoranda: | ||
| Average total assets | $68,495,000 | 6,088 |
| Average earning assets | $57,474,500 | 6,260 |
| Average equity | $5,408,000 | 6,708 |
| Average total loans | $50,677,000 | 5,643 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4473% | 741 |
| Cost of funding earning assets | 3.0662% | 191 |
| Net interest margin | 3.3811% | 5,444 |
| Noninterest income to average assets | 0.5322% | 4,161 |
| Noninterest expense to average assets | 2.6825% | 5,470 |
| Loan and lease loss provision to assets | 0.4969% | 3,891 |
| Net operating income to assets | 0.2285% | 4,809 |
| Return on assets (ROA) | 0.2285% | 4,874 |
| Pretax return on assets | 0.3497% | 4,644 |
| Return on Equity (ROE) | 3.0736% | 4,466 |
| Retained earnings to average equity (ytd only) | 2.1040% | 3,632 |
| Net charge-offs to loans | 0.4433% | 4,022 |
| Credit loss provision to net charge-offs | 148.6239% | 3,135 |
| Earnings coverage of net charge-offs (x) | 2.5321% | 3,857 |
| Efficiency ratio | 76.0104% | 3,526 |
| Assets per employee ($millions) | 6.1465% | 1,160 |
| Cash dividends to net income (ytd only)* | 31.5436% | 3,266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8935% | 6,842 |
| Loan loss allowance to noncurrent loans | 23.2487% | 6,898 |
| Noncurrent assets plus other real estate owned to assets | 2.9137% | 2,403 |
| Noncurrent loans to loans | 3.8433% | 1,938 |
| Net loans and leases to total assets | 75.1346% | 1,996 |
| Net loans and leases to deposits | 81.8972% | 3,635 |
| Net loans and leases to core deposits | 116.6636% | 2,254 |
| Total domestic deposits to total assets | 91.7426% | 316 |
| Equity capital to assets | 8.0296% | 6,549 |
| Core capital (leverage) ratio | 7.9616% | 6,244 |
| Tier 1 risk-based capital ratio | 11.6681% | 5,229 |
| Total risk-based capital ratio | 12.6616% | 5,459 |
| Memoranda: | ||
| Average total assets | $65,199,800 | 6,159 |
| Average earning assets | $57,791,200 | 6,227 |
| Average equity | $4,847,800 | 7,003 |
| Average total loans | $49,180,600 | 5,712 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3331% | 1,063 |
| Cost of funding earning assets | 3.2934% | 144 |
| Net interest margin | 3.0397% | 6,494 |
| Noninterest income to average assets | 0.5078% | 4,422 |
| Noninterest expense to average assets | 2.5140% | 6,025 |
| Loan and lease loss provision to assets | 0.4623% | 3,600 |
| Net operating income to assets | 0.1754% | 5,232 |
| Return on assets (ROA) | 0.1754% | 5,304 |
| Pretax return on assets | 0.2518% | 5,182 |
| Return on Equity (ROE) | 2.4100% | 5,020 |
| Retained earnings to average equity (ytd only) | 1.5877% | 4,425 |
| Net charge-offs to loans | 0.3535% | 3,876 |
| Credit loss provision to net charge-offs | 173.6434% | 2,671 |
| Earnings coverage of net charge-offs (x) | 2.6821% | 3,888 |
| Efficiency ratio | 77.8772% | 3,186 |
| Assets per employee ($millions) | 5.9320% | 1,258 |
| Cash dividends to net income (ytd only)* | 34.1216% | 2,699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8937% | 6,785 |
| Loan loss allowance to noncurrent loans | 24.1361% | 6,836 |
| Noncurrent assets plus other real estate owned to assets | 2.8382% | 2,454 |
| Noncurrent loans to loans | 3.7029% | 2,013 |
| Net loans and leases to total assets | 75.9640% | 1,999 |
| Net loans and leases to deposits | 83.0577% | 3,816 |
| Net loans and leases to core deposits | 120.9625% | 2,159 |
| Total domestic deposits to total assets | 91.4593% | 268 |
| Equity capital to assets | 8.2480% | 6,567 |
| Core capital (leverage) ratio | 8.2368% | 5,951 |
| Tier 1 risk-based capital ratio | 12.3093% | 4,698 |
| Total risk-based capital ratio | 13.3332% | 4,839 |
| Memoranda: | ||
| Average total assets | $64,596,750 | 6,224 |
| Average earning assets | $57,811,250 | 6,267 |
| Average equity | $4,702,500 | 7,108 |
| Average total loans | $48,661,250 | 5,775 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1940% | 1,478 |
| Cost of funding earning assets | 3.4714% | 122 |
| Net interest margin | 2.7226% | 7,156 |
| Noninterest income to average assets | 0.5219% | 4,257 |
| Noninterest expense to average assets | 2.5133% | 6,079 |
| Loan and lease loss provision to assets | 0.1864% | 5,161 |
| Net operating income to assets | 0.1647% | 5,373 |
| Return on assets (ROA) | 0.1647% | 5,472 |
| Pretax return on assets | 0.2734% | 5,266 |
| Return on Equity (ROE) | 2.3682% | 5,151 |
| Retained earnings to average equity (ytd only) | 2.0107% | 4,223 |
| Net charge-offs to loans | 0.0332% | 5,995 |
| Credit loss provision to net charge-offs | 750.0000% | 623 |
| Earnings coverage of net charge-offs (x) | 18.5000% | 1,409 |
| Efficiency ratio | 84.5350% | 2,415 |
| Assets per employee ($millions) | 6.1749% | 1,113 |
| Cash dividends to net income (ytd only)* | 15.0943% | 3,280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8279% | 7,057 |
| Loan loss allowance to noncurrent loans | 12.9559% | 7,427 |
| Noncurrent assets plus other real estate owned to assets | 4.6022% | 1,205 |
| Noncurrent loans to loans | 6.3902% | 835 |
| Net loans and leases to total assets | 71.4239% | 3,369 |
| Net loans and leases to deposits | 77.7730% | 4,914 |
| Net loans and leases to core deposits | 112.7551% | 3,051 |
| Total domestic deposits to total assets | 91.8365% | 238 |
| Equity capital to assets | 7.9103% | 6,857 |
| Core capital (leverage) ratio | 7.8873% | 6,510 |
| Tier 1 risk-based capital ratio | 11.9834% | 4,931 |
| Total risk-based capital ratio | 12.8896% | 5,184 |
| Memoranda: | ||
| Average total assets | $64,378,330 | 6,289 |
| Average earning assets | $57,959,000 | 6,316 |
| Average equity | $4,476,000 | 7,247 |
| Average total loans | $48,210,000 | 5,839 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1312% | 1,828 |
| Cost of funding earning assets | 3.5988% | 116 |
| Net interest margin | 2.5325% | 7,461 |
| Noninterest income to average assets | 0.5623% | 3,814 |
| Noninterest expense to average assets | 2.5621% | 5,600 |
| Loan and lease loss provision to assets | 0.1917% | 4,517 |
| Net operating income to assets | 0.0703% | 6,067 |
| Return on assets (ROA) | 0.0703% | 6,227 |
| Pretax return on assets | 0.1150% | 6,134 |
| Return on Equity (ROE) | 1.0925% | 6,097 |
| Retained earnings to average equity (ytd only) | 1.0925% | 5,204 |
| Net charge-offs to loans | -0.0251% | 7,498 |
| Credit loss provision to net charge-offs | -1,000.0000% | 6,521 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.3096% | 1,777 |
| Assets per employee ($millions) | 5.3392% | 1,708 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7830% | 7,218 |
| Loan loss allowance to noncurrent loans | 43.9498% | 5,592 |
| Noncurrent assets plus other real estate owned to assets | 1.3673% | 3,928 |
| Noncurrent loans to loans | 1.7817% | 3,591 |
| Net loans and leases to total assets | 76.1386% | 2,240 |
| Net loans and leases to deposits | 81.4540% | 4,379 |
| Net loans and leases to core deposits | 119.7869% | 2,432 |
| Total domestic deposits to total assets | 93.4743% | 62 |
| Equity capital to assets | 6.2994% | 7,933 |
| Core capital (leverage) ratio | 6.2379% | 7,962 |
| Tier 1 risk-based capital ratio | 9.5098% | 7,418 |
| Total risk-based capital ratio | 10.4264% | 7,679 |
| Memoranda: | ||
| Average total assets | $62,605,500 | 6,376 |
| Average earning assets | $57,019,500 | 6,378 |
| Average equity | $4,027,500 | 7,446 |
| Average total loans | $47,855,500 | 5,877 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3249% | 3,825 |
| Cost of funding earning assets | 3.9624% | 110 |
| Net interest margin | 2.3624% | 7,880 |
| Noninterest income to average assets | 0.5232% | 4,442 |
| Noninterest expense to average assets | 2.5549% | 5,812 |
| Loan and lease loss provision to assets | 0.0108% | 7,235 |
| Net operating income to assets | 0.0989% | 6,114 |
| Return on assets (ROA) | 0.0989% | 5,962 |
| Pretax return on assets | 0.1636% | 5,814 |
| Return on Equity (ROE) | 1.3872% | 5,803 |
| Retained earnings to average equity (ytd only) | 1.3872% | 4,388 |
| Net charge-offs to loans | 0.1583% | 4,614 |
| Credit loss provision to net charge-offs | 8.8235% | 6,629 |
| Earnings coverage of net charge-offs (x) | 1.4265% | 5,403 |
| Efficiency ratio | 93.6100% | 1,297 |
| Assets per employee ($millions) | 7.6426% | 531 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7563% | 7,261 |
| Loan loss allowance to noncurrent loans | 107.9755% | 3,219 |
| Noncurrent assets plus other real estate owned to assets | 0.5332% | 5,578 |
| Noncurrent loans to loans | 0.7004% | 5,280 |
| Net loans and leases to total assets | 75.5500% | 2,745 |
| Net loans and leases to deposits | 81.0685% | 4,859 |
| Net loans and leases to core deposits | 119.2975% | 2,760 |
| Total domestic deposits to total assets | 93.1928% | 49 |
| Equity capital to assets | 6.5733% | 7,909 |
| Core capital (leverage) ratio | 6.5091% | 7,930 |
| Tier 1 risk-based capital ratio | 10.3727% | 6,341 |
| Total risk-based capital ratio | 11.2908% | 6,569 |
| Memoranda: | ||
| Average total assets | $55,619,000 | 6,548 |
| Average earning assets | $51,937,800 | 6,509 |
| Average equity | $3,964,800 | 7,524 |
| Average total loans | $42,968,000 | 6,024 |