Home > Fort Washington Savings Company > Performance and Condition Ratios
Fort Washington Savings Company, Performance and Condition Ratios
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6226% | 7,332 |
| Cost of funding earning assets | 0.8152% | 5,049 |
| Net interest margin | 1.8074% | 7,330 |
| Noninterest income to average assets | 0.0150% | 7,064 |
| Noninterest expense to average assets | 1.3736% | 7,288 |
| Loan and lease loss provision to assets | 0.1094% | 5,070 |
| Net operating income to assets | 0.1979% | 5,706 |
| Return on assets (ROA) | 1.0017% | 2,463 |
| Pretax return on assets | 1.5428% | 1,539 |
| Return on Equity (ROE) | 9.1697% | 2,520 |
| Retained earnings to average equity (ytd only) | 9.1697% | 1,086 |
| Net charge-offs to loans | 0.4593% | 2,895 |
| Credit loss provision to net charge-offs | 78.5124% | 4,189 |
| Earnings coverage of net charge-offs (x) | 2.9835% | 3,646 |
| Efficiency ratio | 75.2252% | 2,973 |
| Assets per employee ($millions) | 22.9070% | 56 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1028% | 7,356 |
| Loan loss allowance to noncurrent loans | 6.2038% | 6,930 |
| Noncurrent assets plus other real estate owned to assets | 0.5911% | 5,640 |
| Noncurrent loans to loans | 1.6572% | 3,814 |
| Net loans and leases to total assets | 35.6302% | 6,884 |
| Net loans and leases to deposits | 41.3561% | 6,936 |
| Net loans and leases to core deposits | 41.6737% | 6,992 |
| Total domestic deposits to total assets | 86.1545% | 3,136 |
| Equity capital to assets | 13.3802% | 1,422 |
| Core capital (leverage) ratio | 13.3000% | 1,109 |
| Tier 1 risk-based capital ratio | 50.0230% | 150 |
| Total risk-based capital ratio | 50.1611% | 154 |
| Memoranda: | ||
| Average total assets | $115,804,250 | 4,539 |
| Average earning assets | $113,675,250 | 4,312 |
| Average equity | $12,650,000 | 4,420 |
| Average total loans | $35,124,000 | 5,966 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8030% | 7,387 |
| Cost of funding earning assets | 0.7904% | 5,447 |
| Net interest margin | 2.0126% | 7,363 |
| Noninterest income to average assets | 0.0224% | 7,141 |
| Noninterest expense to average assets | 1.3818% | 7,365 |
| Loan and lease loss provision to assets | 0.0069% | 6,171 |
| Net operating income to assets | 0.3990% | 4,952 |
| Return on assets (ROA) | 0.4113% | 5,048 |
| Pretax return on assets | 0.6332% | 4,636 |
| Return on Equity (ROE) | 4.0652% | 4,912 |
| Retained earnings to average equity (ytd only) | 4.0652% | 3,614 |
| Net charge-offs to loans | 0.0241% | 5,493 |
| Credit loss provision to net charge-offs | 100.0000% | 3,113 |
| Earnings coverage of net charge-offs (x) | 90.2500% | 395 |
| Efficiency ratio | 67.6117% | 4,586 |
| Assets per employee ($millions) | 25.5058% | 54 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1786% | 7,399 |
| Loan loss allowance to noncurrent loans | 9.6181% | 6,950 |
| Noncurrent assets plus other real estate owned to assets | 0.5544% | 5,817 |
| Noncurrent loans to loans | 1.8569% | 3,671 |
| Net loans and leases to total assets | 29.8026% | 7,187 |
| Net loans and leases to deposits | 34.0250% | 7,220 |
| Net loans and leases to core deposits | 34.4785% | 7,250 |
| Total domestic deposits to total assets | 87.5903% | 2,414 |
| Equity capital to assets | 12.0741% | 2,047 |
| Core capital (leverage) ratio | 11.5403% | 1,890 |
| Tier 1 risk-based capital ratio | 37.6223% | 290 |
| Total risk-based capital ratio | 37.7977% | 301 |
| Memoranda: | ||
| Average total assets | $116,227,330 | 4,554 |
| Average earning assets | $114,378,670 | 4,323 |
| Average equity | $11,758,330 | 4,626 |
| Average total loans | $33,215,000 | 6,123 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8326% | 7,438 |
| Cost of funding earning assets | 0.7983% | 5,583 |
| Net interest margin | 2.0343% | 7,404 |
| Noninterest income to average assets | 0.0434% | 7,168 |
| Noninterest expense to average assets | 1.4470% | 7,394 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.3874% | 5,004 |
| Return on assets (ROA) | 0.4015% | 5,030 |
| Pretax return on assets | 0.6186% | 4,611 |
| Return on Equity (ROE) | 4.4675% | 4,674 |
| Retained earnings to average equity (ytd only) | 4.4675% | 3,496 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3805% | 4,400 |
| Assets per employee ($millions) | 22.8010% | 59 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1986% | 7,445 |
| Loan loss allowance to noncurrent loans | 9.5372% | 7,017 |
| Noncurrent assets plus other real estate owned to assets | 0.6254% | 5,708 |
| Noncurrent loans to loans | 2.0819% | 3,465 |
| Net loans and leases to total assets | 29.9811% | 7,230 |
| Net loans and leases to deposits | 32.9608% | 7,293 |
| Net loans and leases to core deposits | 33.4334% | 7,316 |
| Total domestic deposits to total assets | 90.9600% | 645 |
| Equity capital to assets | 8.7286% | 5,609 |
| Core capital (leverage) ratio | 8.3192% | 5,775 |
| Tier 1 risk-based capital ratio | 26.9003% | 718 |
| Total risk-based capital ratio | 27.0940% | 780 |
| Memoranda: | ||
| Average total assets | $110,576,500 | 4,720 |
| Average earning assets | $108,734,500 | 4,506 |
| Average equity | $9,938,500 | 5,061 |
| Average total loans | $30,785,000 | 6,302 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9142% | 7,503 |
| Cost of funding earning assets | 0.9233% | 6,057 |
| Net interest margin | 1.9910% | 7,459 |
| Noninterest income to average assets | -0.0048% | 7,304 |
| Noninterest expense to average assets | 3.7203% | 1,654 |
| Loan and lease loss provision to assets | 0.1339% | 5,835 |
| Net operating income to assets | -1.2737% | 6,820 |
| Return on assets (ROA) | -1.2571% | 6,836 |
| Pretax return on assets | -1.9083% | 6,997 |
| Return on Equity (ROE) | -11.8894% | 6,809 |
| Retained earnings to average equity (ytd only) | -11.8894% | 6,757 |
| Net charge-offs to loans | 0.3038% | 4,497 |
| Credit loss provision to net charge-offs | 195.7746% | 1,617 |
| Earnings coverage of net charge-offs (x) | -26.3099% | 6,829 |
| Efficiency ratio | 94.1324% | 1,050 |
| Assets per employee ($millions) | 26.7870% | 53 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2489% | 7,505 |
| Loan loss allowance to noncurrent loans | 9.7842% | 7,093 |
| Noncurrent assets plus other real estate owned to assets | 0.6486% | 5,701 |
| Noncurrent loans to loans | 2.5437% | 2,982 |
| Net loans and leases to total assets | 25.4358% | 7,445 |
| Net loans and leases to deposits | 28.1059% | 7,484 |
| Net loans and leases to core deposits | 28.5364% | 7,491 |
| Total domestic deposits to total assets | 90.5001% | 834 |
| Equity capital to assets | 9.2638% | 4,732 |
| Core capital (leverage) ratio | 8.7503% | 4,943 |
| Tier 1 risk-based capital ratio | 28.9633% | 546 |
| Total risk-based capital ratio | 29.1746% | 597 |
| Memoranda: | ||
| Average total assets | $103,807,800 | 4,875 |
| Average earning assets | $100,403,200 | 4,714 |
| Average equity | $10,976,200 | 4,870 |
| Average total loans | $23,370,600 | 6,756 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9697% | 7,628 |
| Cost of funding earning assets | 0.9585% | 6,136 |
| Net interest margin | 2.0112% | 7,577 |
| Noninterest income to average assets | -0.0078% | 7,460 |
| Noninterest expense to average assets | 1.8827% | 7,229 |
| Loan and lease loss provision to assets | 0.1606% | 5,431 |
| Net operating income to assets | -0.0750% | 6,153 |
| Return on assets (ROA) | -0.0699% | 6,240 |
| Pretax return on assets | -0.1062% | 6,227 |
| Return on Equity (ROE) | -0.6406% | 6,242 |
| Retained earnings to average equity (ytd only) | -0.6406% | 5,952 |
| Net charge-offs to loans | 0.2025% | 4,728 |
| Credit loss provision to net charge-offs | 364.7059% | 851 |
| Earnings coverage of net charge-offs (x) | 1.0589% | 4,997 |
| Efficiency ratio | 97.2483% | 854 |
| Assets per employee ($millions) | 26.6945% | 51 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3921% | 7,541 |
| Loan loss allowance to noncurrent loans | 11.3780% | 7,160 |
| Noncurrent assets plus other real estate owned to assets | 0.7408% | 5,624 |
| Noncurrent loans to loans | 3.4459% | 2,313 |
| Net loans and leases to total assets | 21.4136% | 7,605 |
| Net loans and leases to deposits | 24.1582% | 7,633 |
| Net loans and leases to core deposits | 24.6064% | 7,634 |
| Total domestic deposits to total assets | 88.6390% | 1,601 |
| Equity capital to assets | 10.6408% | 3,361 |
| Core capital (leverage) ratio | 8.2909% | 5,887 |
| Tier 1 risk-based capital ratio | 25.7021% | 796 |
| Total risk-based capital ratio | 25.9712% | 861 |
| Memoranda: | ||
| Average total assets | $102,972,750 | 4,966 |
| Average earning assets | $99,177,500 | 4,807 |
| Average equity | $11,238,750 | 4,868 |
| Average total loans | $22,382,750 | 6,889 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0965% | 7,698 |
| Cost of funding earning assets | 0.9825% | 6,229 |
| Net interest margin | 2.1140% | 7,615 |
| Noninterest income to average assets | -0.0079% | 7,547 |
| Noninterest expense to average assets | 1.9567% | 7,176 |
| Loan and lease loss provision to assets | 0.2045% | 4,829 |
| Net operating income to assets | -0.0885% | 6,211 |
| Return on assets (ROA) | -0.0885% | 6,287 |
| Pretax return on assets | -0.1337% | 6,282 |
| Return on Equity (ROE) | -0.8037% | 6,295 |
| Retained earnings to average equity (ytd only) | -0.8037% | 5,924 |
| Net charge-offs to loans | 0.1262% | 4,935 |
| Credit loss provision to net charge-offs | 742.8571% | 507 |
| Earnings coverage of net charge-offs (x) | 2.5714% | 3,710 |
| Efficiency ratio | 96.5082% | 944 |
| Assets per employee ($millions) | 21.4244% | 62 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4450% | 7,563 |
| Loan loss allowance to noncurrent loans | 12.5698% | 7,205 |
| Noncurrent assets plus other real estate owned to assets | 0.6861% | 5,778 |
| Noncurrent loans to loans | 3.5402% | 2,234 |
| Net loans and leases to total assets | 18.7963% | 7,700 |
| Net loans and leases to deposits | 21.1800% | 7,723 |
| Net loans and leases to core deposits | 21.6284% | 7,718 |
| Total domestic deposits to total assets | 88.7455% | 1,573 |
| Equity capital to assets | 10.5338% | 3,369 |
| Core capital (leverage) ratio | 8.3829% | 5,607 |
| Tier 1 risk-based capital ratio | 26.4158% | 741 |
| Total risk-based capital ratio | 26.6878% | 796 |
| Memoranda: | ||
| Average total assets | $101,704,330 | 5,030 |
| Average earning assets | $97,916,330 | 4,874 |
| Average equity | $11,197,670 | 4,881 |
| Average total loans | $22,192,000 | 6,958 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2924% | 7,758 |
| Cost of funding earning assets | 0.9881% | 6,429 |
| Net interest margin | 2.3043% | 7,593 |
| Noninterest income to average assets | 0.0040% | 7,645 |
| Noninterest expense to average assets | 2.1860% | 6,723 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.0191% | 6,237 |
| Return on assets (ROA) | 0.0242% | 6,344 |
| Pretax return on assets | 0.0404% | 6,282 |
| Return on Equity (ROE) | 0.2152% | 6,345 |
| Retained earnings to average equity (ytd only) | 0.2152% | 5,739 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.5428% | 900 |
| Assets per employee ($millions) | 17.2165% | 84 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,860 |
| Loan loss allowance to noncurrent loans | 0.0000% | 7,410 |
| Noncurrent assets plus other real estate owned to assets | 0.6951% | 5,780 |
| Noncurrent loans to loans | 3.0432% | 2,633 |
| Net loans and leases to total assets | 22.0447% | 7,758 |
| Net loans and leases to deposits | 24.9166% | 7,793 |
| Net loans and leases to core deposits | 25.4626% | 7,793 |
| Total domestic deposits to total assets | 88.4742% | 1,810 |
| Equity capital to assets | 10.8530% | 2,892 |
| Core capital (leverage) ratio | 8.7361% | 4,964 |
| Tier 1 risk-based capital ratio | 27.4793% | 676 |
| Total risk-based capital ratio | 27.4793% | 746 |
| Memoranda: | ||
| Average total assets | $98,995,500 | 5,180 |
| Average earning assets | $95,127,500 | 5,014 |
| Average equity | $11,154,500 | 4,935 |
| Average total loans | $23,175,500 | 6,980 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5063% | 7,832 |
| Cost of funding earning assets | 1.1194% | 6,918 |
| Net interest margin | 2.3869% | 7,520 |
| Noninterest income to average assets | 0.0000% | 7,693 |
| Noninterest expense to average assets | 1.8379% | 7,574 |
| Loan and lease loss provision to assets | 0.2284% | 5,543 |
| Net operating income to assets | 0.1427% | 5,076 |
| Return on assets (ROA) | 0.4411% | 4,083 |
| Pretax return on assets | 0.6792% | 3,648 |
| Return on Equity (ROE) | 3.4211% | 4,322 |
| Retained earnings to average equity (ytd only) | 3.4211% | 2,772 |
| Net charge-offs to loans | 1.1587% | 2,111 |
| Credit loss provision to net charge-offs | 78.8382% | 6,315 |
| Earnings coverage of net charge-offs (x) | 1.5477% | 4,587 |
| Efficiency ratio | 80.0210% | 2,887 |
| Assets per employee ($millions) | 15.7820% | 104 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,932 |
| Loan loss allowance to noncurrent loans | 0.0000% | 7,444 |
| Noncurrent assets plus other real estate owned to assets | 0.3812% | 6,496 |
| Noncurrent loans to loans | 1.4250% | 4,541 |
| Net loans and leases to total assets | 24.9007% | 7,792 |
| Net loans and leases to deposits | 28.4599% | 7,830 |
| Net loans and leases to core deposits | 31.1262% | 7,856 |
| Total domestic deposits to total assets | 87.4942% | 2,222 |
| Equity capital to assets | 11.7201% | 2,175 |
| Core capital (leverage) ratio | 9.5296% | 3,684 |
| Tier 1 risk-based capital ratio | 31.5941% | 455 |
| Total risk-based capital ratio | 31.5941% | 492 |
| Memoranda: | ||
| Average total assets | $83,192,200 | 5,624 |
| Average earning assets | $79,684,600 | 5,467 |
| Average equity | $10,727,400 | 5,093 |
| Average total loans | $20,799,400 | 7,150 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4443% | 7,940 |
| Cost of funding earning assets | 1.1301% | 7,096 |
| Net interest margin | 2.3141% | 7,633 |
| Noninterest income to average assets | 0.0000% | 7,834 |
| Noninterest expense to average assets | 1.8144% | 7,651 |
| Loan and lease loss provision to assets | 0.0681% | 6,686 |
| Net operating income to assets | 0.2147% | 5,103 |
| Return on assets (ROA) | 0.4100% | 4,462 |
| Pretax return on assets | 0.6308% | 4,083 |
| Return on Equity (ROE) | 3.0967% | 4,749 |
| Retained earnings to average equity (ytd only) | 3.0967% | 3,592 |
| Net charge-offs to loans | 0.6101% | 2,846 |
| Credit loss provision to net charge-offs | 44.5652% | 6,380 |
| Earnings coverage of net charge-offs (x) | 2.6088% | 3,919 |
| Efficiency ratio | 81.4704% | 2,649 |
| Assets per employee ($millions) | 15.2032% | 106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 8,022 |
| Loan loss allowance to noncurrent loans | 0.0000% | 7,528 |
| Noncurrent assets plus other real estate owned to assets | 0.4900% | 6,240 |
| Noncurrent loans to loans | 1.8771% | 3,800 |
| Net loans and leases to total assets | 24.6462% | 7,891 |
| Net loans and leases to deposits | 28.3099% | 7,929 |
| Net loans and leases to core deposits | 30.8675% | 7,945 |
| Total domestic deposits to total assets | 87.0586% | 2,151 |
| Equity capital to assets | 12.1828% | 2,136 |
| Core capital (leverage) ratio | 9.7894% | 3,528 |
| Tier 1 risk-based capital ratio | 31.9223% | 473 |
| Total risk-based capital ratio | 31.9223% | 520 |
| Memoranda: | ||
| Average total assets | $80,317,250 | 5,752 |
| Average earning assets | $76,802,250 | 5,604 |
| Average equity | $10,634,750 | 5,157 |
| Average total loans | $20,104,500 | 7,247 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4193% | 8,041 |
| Cost of funding earning assets | 1.1644% | 7,203 |
| Net interest margin | 2.2549% | 7,711 |
| Noninterest income to average assets | 0.0000% | 7,938 |
| Noninterest expense to average assets | 1.9326% | 7,582 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.1434% | 5,435 |
| Return on assets (ROA) | 0.1434% | 5,530 |
| Pretax return on assets | 0.2191% | 5,417 |
| Return on Equity (ROE) | 1.0501% | 5,622 |
| Retained earnings to average equity (ytd only) | 1.0501% | 4,741 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.2121% | 1,885 |
| Assets per employee ($millions) | 16.5402% | 94 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2769% | 8,007 |
| Loan loss allowance to noncurrent loans | 10.5590% | 7,482 |
| Noncurrent assets plus other real estate owned to assets | 0.6433% | 5,808 |
| Noncurrent loans to loans | 2.6220% | 2,757 |
| Net loans and leases to total assets | 22.2125% | 8,012 |
| Net loans and leases to deposits | 25.6941% | 8,030 |
| Net loans and leases to core deposits | 27.0816% | 8,050 |
| Total domestic deposits to total assets | 86.4500% | 2,537 |
| Equity capital to assets | 12.8668% | 1,757 |
| Core capital (leverage) ratio | 10.5328% | 2,782 |
| Tier 1 risk-based capital ratio | 25.6495% | 886 |
| Total risk-based capital ratio | 25.8039% | 966 |
| Memoranda: | ||
| Average total assets | $76,683,330 | 5,899 |
| Average earning assets | $73,173,670 | 5,782 |
| Average equity | $10,475,330 | 5,222 |
| Average total loans | $19,312,000 | 7,374 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1702% | 8,126 |
| Cost of funding earning assets | 1.3148% | 6,978 |
| Net interest margin | 1.8554% | 7,959 |
| Noninterest income to average assets | 0.0000% | 8,039 |
| Noninterest expense to average assets | 1.9654% | 7,425 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | -0.1249% | 6,450 |
| Return on assets (ROA) | -0.1249% | 6,557 |
| Pretax return on assets | -0.1955% | 6,569 |
| Return on Equity (ROE) | -0.8853% | 6,525 |
| Retained earnings to average equity (ytd only) | -0.8853% | 5,862 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.4294% | 799 |
| Assets per employee ($millions) | 15.3436% | 108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2606% | 8,061 |
| Loan loss allowance to noncurrent loans | 10.5590% | 7,503 |
| Noncurrent assets plus other real estate owned to assets | 0.6934% | 5,426 |
| Noncurrent loans to loans | 2.4677% | 2,670 |
| Net loans and leases to total assets | 25.4464% | 8,014 |
| Net loans and leases to deposits | 29.6318% | 8,044 |
| Net loans and leases to core deposits | 31.0144% | 8,075 |
| Total domestic deposits to total assets | 85.8755% | 2,785 |
| Equity capital to assets | 13.5548% | 1,513 |
| Core capital (leverage) ratio | 11.2329% | 2,312 |
| Tier 1 risk-based capital ratio | 35.3129% | 426 |
| Total risk-based capital ratio | 35.5276% | 452 |
| Memoranda: | ||
| Average total assets | $73,674,500 | 6,009 |
| Average earning assets | $70,279,500 | 5,902 |
| Average equity | $10,392,500 | 5,262 |
| Average total loans | $19,757,500 | 7,381 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6142% | 8,133 |
| Cost of funding earning assets | 1.3067% | 7,844 |
| Net interest margin | 2.3076% | 7,907 |
| Noninterest income to average assets | 0.0064% | 8,084 |
| Noninterest expense to average assets | 1.8321% | 7,713 |
| Loan and lease loss provision to assets | 0.1390% | 5,580 |
| Net operating income to assets | 0.1246% | 6,041 |
| Return on assets (ROA) | 0.1246% | 5,889 |
| Pretax return on assets | 0.1933% | 5,748 |
| Return on Equity (ROE) | 0.7526% | 5,995 |
| Retained earnings to average equity (ytd only) | 0.7526% | 4,780 |
| Net charge-offs to loans | 0.5126% | 2,305 |
| Credit loss provision to net charge-offs | 94.5652% | 5,556 |
| Earnings coverage of net charge-offs (x) | 2.2609% | 4,948 |
| Efficiency ratio | 83.9114% | 2,066 |
| Assets per employee ($millions) | 17.6578% | 92 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2557% | 8,121 |
| Loan loss allowance to noncurrent loans | 10.5155% | 7,499 |
| Noncurrent assets plus other real estate owned to assets | 0.7560% | 4,952 |
| Noncurrent loans to loans | 2.4321% | 2,255 |
| Net loans and leases to total assets | 28.1619% | 8,031 |
| Net loans and leases to deposits | 33.1865% | 8,076 |
| Net loans and leases to core deposits | 34.3043% | 8,122 |
| Total domestic deposits to total assets | 84.8593% | 2,912 |
| Equity capital to assets | 14.7046% | 1,249 |
| Core capital (leverage) ratio | 12.2506% | 1,862 |
| Tier 1 risk-based capital ratio | 36.4286% | 411 |
| Total risk-based capital ratio | 36.6495% | 428 |
| Memoranda: | ||
| Average total assets | $62,606,000 | 6,295 |
| Average earning assets | $58,546,600 | 6,237 |
| Average equity | $10,364,000 | 5,302 |
| Average total loans | $17,947,600 | 7,462 |