Home > Franklin Federal Savings Bank > Performance and Condition Ratios
Franklin Federal Savings Bank, Performance and Condition Ratios
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2060% | 2,938 |
| Cost of funding earning assets | 1.5365% | 19 |
| Net interest margin | 2.6695% | 5,981 |
| Noninterest income to average assets | 0.2532% | 5,319 |
| Noninterest expense to average assets | 2.8034% | 3,465 |
| Loan and lease loss provision to assets | 0.7934% | 155 |
| Net operating income to assets | -1.1426% | 6,397 |
| Return on assets (ROA) | -0.5425% | 6,306 |
| Pretax return on assets | -0.3445% | 6,231 |
| Return on Equity (ROE) | -2.8378% | 6,240 |
| Retained earnings to average equity (ytd only) | -2.8378% | 6,078 |
| Net charge-offs to loans | 1.2841% | 204 |
| Credit loss provision to net charge-offs | 122.4581% | 1,954 |
| Earnings coverage of net charge-offs (x) | -0.2334% | 4,740 |
| Efficiency ratio | 105.7016% | 266 |
| Assets per employee ($millions) | 11.0108% | 190 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3130% | 711 |
| Loan loss allowance to noncurrent loans | 73.3626% | 4,415 |
| Noncurrent assets plus other real estate owned to assets | 2.9497% | 697 |
| Noncurrent loans to loans | 3.1528% | 701 |
| Net loans and leases to total assets | 47.0421% | 5,246 |
| Net loans and leases to deposits | 72.7081% | 3,597 |
| Net loans and leases to core deposits | 74.6944% | 3,851 |
| Total domestic deposits to total assets | 64.6999% | 6,349 |
| Equity capital to assets | 19.7489% | 232 |
| Core capital (leverage) ratio | 19.6954% | 220 |
| Tier 1 risk-based capital ratio | 35.2367% | 332 |
| Total risk-based capital ratio | 36.4959% | 326 |
| Memoranda: | ||
| Average total assets | $1,068,661,000 | 629 |
| Average earning assets | $960,357,800 | 640 |
| Average equity | $204,279,800 | 396 |
| Average total loans | $539,200,400 | 818 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3510% | 2,418 |
| Cost of funding earning assets | 1.5343% | 22 |
| Net interest margin | 2.8166% | 5,850 |
| Noninterest income to average assets | 0.2319% | 5,544 |
| Noninterest expense to average assets | 1.7722% | 6,127 |
| Loan and lease loss provision to assets | 1.1062% | 96 |
| Net operating income to assets | -0.0809% | 6,206 |
| Return on assets (ROA) | 0.4721% | 5,066 |
| Pretax return on assets | 0.6852% | 4,748 |
| Return on Equity (ROE) | 2.4908% | 5,708 |
| Retained earnings to average equity (ytd only) | 2.4908% | 4,803 |
| Net charge-offs to loans | 1.6774% | 128 |
| Credit loss provision to net charge-offs | 129.2184% | 1,785 |
| Earnings coverage of net charge-offs (x) | 1.1565% | 4,215 |
| Efficiency ratio | 64.1583% | 4,515 |
| Assets per employee ($millions) | 10.8195% | 192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3475% | 785 |
| Loan loss allowance to noncurrent loans | 62.4074% | 4,704 |
| Noncurrent assets plus other real estate owned to assets | 3.3784% | 641 |
| Noncurrent loans to loans | 3.7616% | 603 |
| Net loans and leases to total assets | 48.4053% | 5,164 |
| Net loans and leases to deposits | 75.1679% | 3,287 |
| Net loans and leases to core deposits | 77.2418% | 3,613 |
| Total domestic deposits to total assets | 64.3963% | 6,429 |
| Equity capital to assets | 18.8986% | 276 |
| Core capital (leverage) ratio | 18.8522% | 258 |
| Tier 1 risk-based capital ratio | 31.9739% | 443 |
| Total risk-based capital ratio | 33.2329% | 433 |
| Memoranda: | ||
| Average total assets | $1,066,061,250 | 627 |
| Average earning assets | $957,712,250 | 635 |
| Average equity | $202,074,000 | 400 |
| Average total loans | $544,092,750 | 813 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5011% | 1,829 |
| Cost of funding earning assets | 1.5262% | 25 |
| Net interest margin | 2.9749% | 5,586 |
| Noninterest income to average assets | 0.3392% | 4,716 |
| Noninterest expense to average assets | 1.8043% | 6,144 |
| Loan and lease loss provision to assets | 0.0453% | 3,413 |
| Net operating income to assets | 0.7746% | 3,451 |
| Return on assets (ROA) | 0.9044% | 2,883 |
| Pretax return on assets | 1.3465% | 2,096 |
| Return on Equity (ROE) | 4.7664% | 4,784 |
| Retained earnings to average equity (ytd only) | 4.7664% | 3,108 |
| Net charge-offs to loans | 0.0937% | 2,737 |
| Credit loss provision to net charge-offs | 93.7743% | 2,116 |
| Earnings coverage of net charge-offs (x) | 24.8093% | 1,416 |
| Efficiency ratio | 60.0951% | 5,282 |
| Assets per employee ($millions) | 11.0381% | 179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9213% | 1,527 |
| Loan loss allowance to noncurrent loans | 37.9031% | 5,566 |
| Noncurrent assets plus other real estate owned to assets | 4.1756% | 489 |
| Noncurrent loans to loans | 5.0691% | 387 |
| Net loans and leases to total assets | 49.3039% | 5,041 |
| Net loans and leases to deposits | 77.5679% | 2,856 |
| Net loans and leases to core deposits | 79.7772% | 3,237 |
| Total domestic deposits to total assets | 63.5622% | 6,514 |
| Equity capital to assets | 18.9974% | 259 |
| Core capital (leverage) ratio | 18.7335% | 263 |
| Tier 1 risk-based capital ratio | 29.4645% | 544 |
| Total risk-based capital ratio | 30.7179% | 534 |
| Memoranda: | ||
| Average total assets | $1,064,371,000 | 628 |
| Average earning assets | $952,841,670 | 635 |
| Average equity | $201,955,670 | 395 |
| Average total loans | $548,474,000 | 799 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3729% | 2,260 |
| Cost of funding earning assets | 1.4953% | 33 |
| Net interest margin | 2.8776% | 5,797 |
| Noninterest income to average assets | 0.2936% | 5,023 |
| Noninterest expense to average assets | 1.8164% | 6,204 |
| Loan and lease loss provision to assets | 0.1122% | 2,076 |
| Net operating income to assets | 0.6562% | 3,913 |
| Return on assets (ROA) | 0.9219% | 2,614 |
| Pretax return on assets | 1.3633% | 1,874 |
| Return on Equity (ROE) | 4.8616% | 4,613 |
| Retained earnings to average equity (ytd only) | 4.8616% | 3,199 |
| Net charge-offs to loans | 0.0283% | 3,012 |
| Credit loss provision to net charge-offs | 758.9744% | 381 |
| Earnings coverage of net charge-offs (x) | 73.4103% | 572 |
| Efficiency ratio | 62.6094% | 5,046 |
| Assets per employee ($millions) | 11.1105% | 182 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9324% | 1,666 |
| Loan loss allowance to noncurrent loans | 37.3229% | 5,643 |
| Noncurrent assets plus other real estate owned to assets | 4.4582% | 495 |
| Noncurrent loans to loans | 5.1776% | 415 |
| Net loans and leases to total assets | 51.0094% | 4,796 |
| Net loans and leases to deposits | 80.4618% | 2,233 |
| Net loans and leases to core deposits | 82.7379% | 2,668 |
| Total domestic deposits to total assets | 63.3958% | 6,596 |
| Equity capital to assets | 18.8939% | 265 |
| Core capital (leverage) ratio | 18.6801% | 265 |
| Tier 1 risk-based capital ratio | 28.4819% | 610 |
| Total risk-based capital ratio | 29.7355% | 594 |
| Memoranda: | ||
| Average total assets | $1,055,688,000 | 637 |
| Average earning assets | $956,620,500 | 636 |
| Average equity | $200,182,500 | 396 |
| Average total loans | $550,818,000 | 796 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2607% | 3,108 |
| Cost of funding earning assets | 1.5810% | 39 |
| Net interest margin | 2.6798% | 6,166 |
| Noninterest income to average assets | 0.3429% | 4,862 |
| Noninterest expense to average assets | 1.7960% | 6,325 |
| Loan and lease loss provision to assets | 0.1769% | 2,092 |
| Net operating income to assets | 0.5330% | 4,584 |
| Return on assets (ROA) | 0.5629% | 4,561 |
| Pretax return on assets | 0.8361% | 4,012 |
| Return on Equity (ROE) | 3.1525% | 5,447 |
| Retained earnings to average equity (ytd only) | 3.1525% | 3,992 |
| Net charge-offs to loans | 0.3219% | 2,074 |
| Credit loss provision to net charge-offs | 114.0496% | 2,118 |
| Earnings coverage of net charge-offs (x) | 6.2448% | 3,100 |
| Efficiency ratio | 64.9704% | 4,738 |
| Assets per employee ($millions) | 10.6609% | 191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9135% | 1,754 |
| Loan loss allowance to noncurrent loans | 27.6525% | 6,012 |
| Noncurrent assets plus other real estate owned to assets | 4.5346% | 549 |
| Noncurrent loans to loans | 6.9199% | 245 |
| Net loans and leases to total assets | 51.3397% | 4,937 |
| Net loans and leases to deposits | 80.2265% | 2,426 |
| Net loans and leases to core deposits | 82.3644% | 2,856 |
| Total domestic deposits to total assets | 63.9934% | 6,667 |
| Equity capital to assets | 19.0321% | 260 |
| Core capital (leverage) ratio | 18.8503% | 252 |
| Tier 1 risk-based capital ratio | 26.9656% | 686 |
| Total risk-based capital ratio | 28.2178% | 669 |
| Memoranda: | ||
| Average total assets | $1,014,414,000 | 650 |
| Average earning assets | $916,649,600 | 649 |
| Average equity | $181,125,600 | 422 |
| Average total loans | $488,733,200 | 868 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2544% | 3,181 |
| Cost of funding earning assets | 1.6003% | 41 |
| Net interest margin | 2.6541% | 6,244 |
| Noninterest income to average assets | 0.3471% | 4,911 |
| Noninterest expense to average assets | 1.7989% | 6,339 |
| Loan and lease loss provision to assets | 0.0923% | 3,230 |
| Net operating income to assets | 0.5677% | 4,488 |
| Return on assets (ROA) | 0.6590% | 4,209 |
| Pretax return on assets | 0.9817% | 3,580 |
| Return on Equity (ROE) | 3.7547% | 5,330 |
| Retained earnings to average equity (ytd only) | 3.7547% | 4,017 |
| Net charge-offs to loans | 0.3374% | 1,864 |
| Credit loss provision to net charge-offs | 58.0833% | 3,338 |
| Earnings coverage of net charge-offs (x) | 5.9017% | 3,082 |
| Efficiency ratio | 65.7312% | 4,535 |
| Assets per employee ($millions) | 10.6560% | 193 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9508% | 1,848 |
| Loan loss allowance to noncurrent loans | 35.7930% | 5,773 |
| Noncurrent assets plus other real estate owned to assets | 3.3514% | 1,040 |
| Noncurrent loans to loans | 5.4503% | 507 |
| Net loans and leases to total assets | 48.3582% | 5,310 |
| Net loans and leases to deposits | 75.0951% | 3,078 |
| Net loans and leases to core deposits | 76.9847% | 3,501 |
| Total domestic deposits to total assets | 64.3959% | 6,737 |
| Equity capital to assets | 18.0354% | 320 |
| Core capital (leverage) ratio | 17.8267% | 316 |
| Tier 1 risk-based capital ratio | 26.3208% | 764 |
| Total risk-based capital ratio | 27.5729% | 746 |
| Memoranda: | ||
| Average total assets | $1,006,826,250 | 655 |
| Average earning assets | $906,488,750 | 658 |
| Average equity | $176,696,750 | 431 |
| Average total loans | $474,205,750 | 898 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2351% | 3,215 |
| Cost of funding earning assets | 1.6107% | 41 |
| Net interest margin | 2.6244% | 6,304 |
| Noninterest income to average assets | 0.3602% | 4,812 |
| Noninterest expense to average assets | 1.8201% | 6,343 |
| Loan and lease loss provision to assets | 0.1154% | 2,884 |
| Net operating income to assets | 0.5308% | 4,663 |
| Return on assets (ROA) | 0.6770% | 4,085 |
| Pretax return on assets | 1.0058% | 3,487 |
| Return on Equity (ROE) | 3.8939% | 5,257 |
| Retained earnings to average equity (ytd only) | 3.8939% | 3,818 |
| Net charge-offs to loans | 0.4444% | 1,471 |
| Credit loss provision to net charge-offs | 56.0386% | 3,100 |
| Earnings coverage of net charge-offs (x) | 4.3836% | 3,147 |
| Efficiency ratio | 66.8421% | 4,390 |
| Assets per employee ($millions) | 10.2624% | 205 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0187% | 1,808 |
| Loan loss allowance to noncurrent loans | 45.8197% | 5,382 |
| Noncurrent assets plus other real estate owned to assets | 2.8250% | 1,453 |
| Noncurrent loans to loans | 4.4057% | 807 |
| Net loans and leases to total assets | 47.2385% | 5,398 |
| Net loans and leases to deposits | 74.5968% | 3,063 |
| Net loans and leases to core deposits | 76.4452% | 3,490 |
| Total domestic deposits to total assets | 63.3251% | 6,809 |
| Equity capital to assets | 17.8055% | 336 |
| Core capital (leverage) ratio | 17.6832% | 306 |
| Tier 1 risk-based capital ratio | 26.9799% | 694 |
| Total risk-based capital ratio | 28.2328% | 683 |
| Memoranda: | ||
| Average total assets | $1,004,995,330 | 656 |
| Average earning assets | $904,829,670 | 661 |
| Average equity | $174,737,000 | 434 |
| Average total loans | $465,848,000 | 911 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3063% | 2,870 |
| Cost of funding earning assets | 1.6207% | 40 |
| Net interest margin | 2.6856% | 6,239 |
| Noninterest income to average assets | 0.4754% | 3,956 |
| Noninterest expense to average assets | 1.8685% | 6,334 |
| Loan and lease loss provision to assets | 0.1613% | 2,259 |
| Net operating income to assets | 0.5716% | 4,353 |
| Return on assets (ROA) | 0.9010% | 2,797 |
| Pretax return on assets | 1.3521% | 2,033 |
| Return on Equity (ROE) | 5.2454% | 4,430 |
| Retained earnings to average equity (ytd only) | 5.2454% | 3,083 |
| Net charge-offs to loans | 0.1201% | 2,701 |
| Credit loss provision to net charge-offs | 295.6204% | 816 |
| Earnings coverage of net charge-offs (x) | 18.7299% | 1,251 |
| Efficiency ratio | 64.6508% | 4,896 |
| Assets per employee ($millions) | 10.3833% | 197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2981% | 1,412 |
| Loan loss allowance to noncurrent loans | 51.6536% | 5,095 |
| Noncurrent assets plus other real estate owned to assets | 3.0888% | 1,434 |
| Noncurrent loans to loans | 4.4491% | 946 |
| Net loans and leases to total assets | 44.8302% | 5,575 |
| Net loans and leases to deposits | 70.4948% | 3,397 |
| Net loans and leases to core deposits | 72.1906% | 3,795 |
| Total domestic deposits to total assets | 63.5937% | 6,879 |
| Equity capital to assets | 17.3634% | 384 |
| Core capital (leverage) ratio | 17.0994% | 346 |
| Tier 1 risk-based capital ratio | 26.3441% | 758 |
| Total risk-based capital ratio | 27.5989% | 746 |
| Memoranda: | ||
| Average total assets | $1,004,636,500 | 665 |
| Average earning assets | $903,335,500 | 668 |
| Average equity | $172,569,500 | 444 |
| Average total loans | $456,336,000 | 926 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5169% | 3,327 |
| Cost of funding earning assets | 1.7358% | 66 |
| Net interest margin | 2.7811% | 6,409 |
| Noninterest income to average assets | 0.4189% | 4,462 |
| Noninterest expense to average assets | 1.7072% | 6,718 |
| Loan and lease loss provision to assets | -0.1245% | 6,938 |
| Net operating income to assets | 0.9142% | 2,745 |
| Return on assets (ROA) | 0.8377% | 3,358 |
| Pretax return on assets | 1.2601% | 2,569 |
| Return on Equity (ROE) | 4.8317% | 4,761 |
| Retained earnings to average equity (ytd only) | -3.6628% | 6,326 |
| Net charge-offs to loans | 0.0516% | 5,201 |
| Credit loss provision to net charge-offs | -532.7731% | 6,526 |
| Earnings coverage of net charge-offs (x) | 53.5546% | 647 |
| Efficiency ratio | 57.7023% | 5,876 |
| Assets per employee ($millions) | 10.3314% | 211 |
| Cash dividends to net income (ytd only)* | 175.8087% | 158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2498% | 1,458 |
| Loan loss allowance to noncurrent loans | 53.5358% | 4,950 |
| Noncurrent assets plus other real estate owned to assets | 3.1275% | 1,503 |
| Noncurrent loans to loans | 4.2023% | 1,079 |
| Net loans and leases to total assets | 43.9567% | 5,822 |
| Net loans and leases to deposits | 68.2520% | 3,945 |
| Net loans and leases to core deposits | 69.8661% | 4,334 |
| Total domestic deposits to total assets | 64.4036% | 6,928 |
| Equity capital to assets | 16.9941% | 416 |
| Core capital (leverage) ratio | 16.6384% | 388 |
| Tier 1 risk-based capital ratio | 25.6354% | 798 |
| Total risk-based capital ratio | 26.8892% | 790 |
| Memoranda: | ||
| Average total assets | $1,018,481,400 | 653 |
| Average earning assets | $930,121,200 | 648 |
| Average equity | $176,585,400 | 429 |
| Average total loans | $461,227,600 | 897 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5649% | 3,359 |
| Cost of funding earning assets | 1.7642% | 67 |
| Net interest margin | 2.8007% | 6,500 |
| Noninterest income to average assets | 0.3311% | 5,155 |
| Noninterest expense to average assets | 1.6745% | 6,810 |
| Loan and lease loss provision to assets | -0.1993% | 7,086 |
| Net operating income to assets | 0.9363% | 2,807 |
| Return on assets (ROA) | 0.8430% | 3,494 |
| Pretax return on assets | 1.2814% | 2,665 |
| Return on Equity (ROE) | 4.8383% | 4,898 |
| Retained earnings to average equity (ytd only) | 4.8383% | 3,479 |
| Net charge-offs to loans | 0.1063% | 4,327 |
| Credit loss provision to net charge-offs | -413.2791% | 6,419 |
| Earnings coverage of net charge-offs (x) | 25.3657% | 1,250 |
| Efficiency ratio | 57.7808% | 5,818 |
| Assets per employee ($millions) | 10.5146% | 204 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2032% | 1,698 |
| Loan loss allowance to noncurrent loans | 49.8735% | 5,135 |
| Noncurrent assets plus other real estate owned to assets | 3.5554% | 1,407 |
| Noncurrent loans to loans | 4.4175% | 1,079 |
| Net loans and leases to total assets | 42.8910% | 6,047 |
| Net loans and leases to deposits | 67.6462% | 4,237 |
| Net loans and leases to core deposits | 69.1198% | 4,597 |
| Total domestic deposits to total assets | 63.4050% | 7,027 |
| Equity capital to assets | 18.0678% | 358 |
| Core capital (leverage) ratio | 17.6820% | 317 |
| Tier 1 risk-based capital ratio | 26.6216% | 767 |
| Total risk-based capital ratio | 27.8743% | 755 |
| Memoranda: | ||
| Average total assets | $1,019,983,000 | 656 |
| Average earning assets | $934,843,750 | 641 |
| Average equity | $177,716,500 | 423 |
| Average total loans | $462,711,000 | 889 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6317% | 3,225 |
| Cost of funding earning assets | 1.8131% | 66 |
| Net interest margin | 2.8185% | 6,546 |
| Noninterest income to average assets | 0.3655% | 4,901 |
| Noninterest expense to average assets | 1.5721% | 6,955 |
| Loan and lease loss provision to assets | -0.1822% | 7,148 |
| Net operating income to assets | 1.0581% | 2,214 |
| Return on assets (ROA) | 0.9512% | 2,912 |
| Pretax return on assets | 1.4006% | 2,193 |
| Return on Equity (ROE) | 5.5273% | 4,571 |
| Retained earnings to average equity (ytd only) | 5.5273% | 2,978 |
| Net charge-offs to loans | 0.1937% | 3,424 |
| Credit loss provision to net charge-offs | -205.0773% | 6,148 |
| Earnings coverage of net charge-offs (x) | 15.4879% | 1,644 |
| Efficiency ratio | 53.3324% | 6,382 |
| Assets per employee ($millions) | 10.6352% | 196 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2565% | 1,663 |
| Loan loss allowance to noncurrent loans | 49.2775% | 5,153 |
| Noncurrent assets plus other real estate owned to assets | 3.0958% | 1,766 |
| Noncurrent loans to loans | 4.5792% | 1,146 |
| Net loans and leases to total assets | 43.9829% | 6,014 |
| Net loans and leases to deposits | 68.8118% | 4,073 |
| Net loans and leases to core deposits | 70.3578% | 4,494 |
| Total domestic deposits to total assets | 63.9177% | 7,085 |
| Equity capital to assets | 17.5608% | 383 |
| Core capital (leverage) ratio | 17.1526% | 350 |
| Tier 1 risk-based capital ratio | 25.8519% | 820 |
| Total risk-based capital ratio | 27.1056% | 801 |
| Memoranda: | ||
| Average total assets | $1,020,005,000 | 652 |
| Average earning assets | $934,526,330 | 646 |
| Average equity | $175,529,670 | 429 |
| Average total loans | $467,845,330 | 879 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6856% | 3,106 |
| Cost of funding earning assets | 1.8626% | 67 |
| Net interest margin | 2.8230% | 6,597 |
| Noninterest income to average assets | 0.3955% | 4,707 |
| Noninterest expense to average assets | 1.4073% | 7,113 |
| Loan and lease loss provision to assets | -0.1169% | 7,187 |
| Net operating income to assets | 1.1700% | 1,826 |
| Return on assets (ROA) | 0.9754% | 2,781 |
| Pretax return on assets | 1.4132% | 2,152 |
| Return on Equity (ROE) | 5.7265% | 4,442 |
| Retained earnings to average equity (ytd only) | 5.7265% | 3,130 |
| Net charge-offs to loans | 0.2076% | 2,885 |
| Credit loss provision to net charge-offs | -121.6327% | 5,526 |
| Earnings coverage of net charge-offs (x) | 16.4204% | 1,366 |
| Efficiency ratio | 47.1353% | 6,846 |
| Assets per employee ($millions) | 10.2686% | 220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3833% | 1,536 |
| Loan loss allowance to noncurrent loans | 31.3490% | 6,104 |
| Noncurrent assets plus other real estate owned to assets | 4.3410% | 1,243 |
| Noncurrent loans to loans | 7.6024% | 545 |
| Net loans and leases to total assets | 44.6983% | 5,930 |
| Net loans and leases to deposits | 71.2530% | 3,548 |
| Net loans and leases to core deposits | 72.8416% | 4,040 |
| Total domestic deposits to total assets | 62.7318% | 7,159 |
| Equity capital to assets | 17.1061% | 412 |
| Core capital (leverage) ratio | 16.7297% | 387 |
| Tier 1 risk-based capital ratio | 24.9542% | 913 |
| Total risk-based capital ratio | 26.2091% | 899 |
| Memoranda: | ||
| Average total assets | $1,019,518,500 | 655 |
| Average earning assets | $935,464,500 | 644 |
| Average equity | $173,648,500 | 426 |
| Average total loans | $472,056,500 | 873 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8849% | 3,429 |
| Cost of funding earning assets | 2.0096% | 94 |
| Net interest margin | 2.8753% | 6,725 |
| Noninterest income to average assets | 0.2309% | 5,885 |
| Noninterest expense to average assets | 1.4432% | 7,198 |
| Loan and lease loss provision to assets | 0.3291% | 3,050 |
| Net operating income to assets | 0.7452% | 3,276 |
| Return on assets (ROA) | 0.6660% | 3,845 |
| Pretax return on assets | 0.9349% | 3,489 |
| Return on Equity (ROE) | 4.8309% | 4,465 |
| Retained earnings to average equity (ytd only) | 4.8309% | 2,761 |
| Net charge-offs to loans | 0.7141% | 2,376 |
| Credit loss provision to net charge-offs | 98.6910% | 3,636 |
| Earnings coverage of net charge-offs (x) | 4.1255% | 3,255 |
| Efficiency ratio | 51.2001% | 6,762 |
| Assets per employee ($millions) | 10.3283% | 212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3629% | 1,516 |
| Loan loss allowance to noncurrent loans | 29.9797% | 6,203 |
| Noncurrent assets plus other real estate owned to assets | 4.5245% | 1,212 |
| Noncurrent loans to loans | 7.8815% | 515 |
| Net loans and leases to total assets | 45.7153% | 6,034 |
| Net loans and leases to deposits | 72.9941% | 3,666 |
| Net loans and leases to core deposits | 74.4465% | 4,183 |
| Total domestic deposits to total assets | 62.6288% | 7,196 |
| Equity capital to assets | 16.9576% | 448 |
| Core capital (leverage) ratio | 16.6552% | 399 |
| Tier 1 risk-based capital ratio | 25.1753% | 853 |
| Total risk-based capital ratio | 26.4306% | 835 |
| Memoranda: | ||
| Average total assets | $1,053,921,000 | 628 |
| Average earning assets | $948,576,600 | 625 |
| Average equity | $145,292,800 | 480 |
| Average total loans | $492,060,000 | 849 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8330% | 3,866 |
| Cost of funding earning assets | 2.0353% | 105 |
| Net interest margin | 2.7977% | 6,883 |
| Noninterest income to average assets | 0.2155% | 6,065 |
| Noninterest expense to average assets | 1.4710% | 7,247 |
| Loan and lease loss provision to assets | 0.4161% | 2,382 |
| Net operating income to assets | 0.6040% | 4,066 |
| Return on assets (ROA) | 0.5190% | 4,644 |
| Pretax return on assets | 0.7158% | 4,415 |
| Return on Equity (ROE) | 3.9824% | 4,998 |
| Retained earnings to average equity (ytd only) | 3.9824% | 3,884 |
| Net charge-offs to loans | 0.8882% | 1,797 |
| Credit loss provision to net charge-offs | 100.4232% | 3,352 |
| Earnings coverage of net charge-offs (x) | 3.0127% | 3,629 |
| Efficiency ratio | 54.0928% | 6,475 |
| Assets per employee ($millions) | 10.5081% | 216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2946% | 1,694 |
| Loan loss allowance to noncurrent loans | 27.4231% | 6,388 |
| Noncurrent assets plus other real estate owned to assets | 4.8243% | 1,208 |
| Noncurrent loans to loans | 8.3673% | 509 |
| Net loans and leases to total assets | 46.5509% | 6,101 |
| Net loans and leases to deposits | 73.3474% | 3,752 |
| Net loans and leases to core deposits | 76.1625% | 4,179 |
| Total domestic deposits to total assets | 63.4664% | 7,254 |
| Equity capital to assets | 16.3829% | 571 |
| Core capital (leverage) ratio | 16.0806% | 491 |
| Tier 1 risk-based capital ratio | 23.8436% | 1,029 |
| Total risk-based capital ratio | 25.0999% | 1,015 |
| Memoranda: | ||
| Average total assets | $1,064,357,500 | 625 |
| Average earning assets | $952,616,500 | 634 |
| Average equity | $138,705,750 | 506 |
| Average total loans | $496,595,750 | 855 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8282% | 3,964 |
| Cost of funding earning assets | 2.0699% | 114 |
| Net interest margin | 2.7583% | 6,969 |
| Noninterest income to average assets | 0.1822% | 6,353 |
| Noninterest expense to average assets | 1.4712% | 7,325 |
| Loan and lease loss provision to assets | 0.3932% | 2,452 |
| Net operating income to assets | 0.5450% | 4,326 |
| Return on assets (ROA) | 0.4631% | 4,797 |
| Pretax return on assets | 0.6458% | 4,586 |
| Return on Equity (ROE) | 3.8709% | 4,992 |
| Retained earnings to average equity (ytd only) | 3.8709% | 3,734 |
| Net charge-offs to loans | 0.0654% | 4,984 |
| Credit loss provision to net charge-offs | 1,297.5460% | 269 |
| Earnings coverage of net charge-offs (x) | 38.0429% | 770 |
| Efficiency ratio | 56.0680% | 6,416 |
| Assets per employee ($millions) | 10.5133% | 215 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6628% | 1,220 |
| Loan loss allowance to noncurrent loans | 36.2704% | 5,874 |
| Noncurrent assets plus other real estate owned to assets | 4.4153% | 1,431 |
| Noncurrent loans to loans | 7.3417% | 675 |
| Net loans and leases to total assets | 46.3482% | 6,228 |
| Net loans and leases to deposits | 72.2913% | 4,069 |
| Net loans and leases to core deposits | 74.9519% | 4,446 |
| Total domestic deposits to total assets | 64.1131% | 7,312 |
| Equity capital to assets | 16.1930% | 588 |
| Core capital (leverage) ratio | 15.8231% | 527 |
| Tier 1 risk-based capital ratio | 22.3452% | 1,205 |
| Total risk-based capital ratio | 23.6021% | 1,177 |
| Memoranda: | ||
| Average total assets | $1,075,877,670 | 622 |
| Average earning assets | $952,406,330 | 638 |
| Average equity | $128,704,000 | 546 |
| Average total loans | $498,581,670 | 865 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7190% | 4,436 |
| Cost of funding earning assets | 2.0766% | 134 |
| Net interest margin | 2.6424% | 7,086 |
| Noninterest income to average assets | 0.1990% | 6,295 |
| Noninterest expense to average assets | 1.5054% | 7,357 |
| Loan and lease loss provision to assets | 0.1061% | 4,688 |
| Net operating income to assets | 0.6183% | 3,945 |
| Return on assets (ROA) | 0.5901% | 4,153 |
| Pretax return on assets | 0.8418% | 3,733 |
| Return on Equity (ROE) | 5.9309% | 3,946 |
| Retained earnings to average equity (ytd only) | 5.9309% | 2,680 |
| Net charge-offs to loans | 0.2008% | 3,304 |
| Credit loss provision to net charge-offs | 115.5378% | 2,333 |
| Earnings coverage of net charge-offs (x) | 10.7610% | 1,608 |
| Efficiency ratio | 60.3727% | 5,933 |
| Assets per employee ($millions) | 12.7816% | 135 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2554% | 1,850 |
| Loan loss allowance to noncurrent loans | 32.3853% | 6,148 |
| Noncurrent assets plus other real estate owned to assets | 3.7879% | 1,780 |
| Noncurrent loans to loans | 6.9644% | 799 |
| Net loans and leases to total assets | 39.8537% | 6,788 |
| Net loans and leases to deposits | 52.8738% | 6,404 |
| Net loans and leases to core deposits | 54.3197% | 6,531 |
| Total domestic deposits to total assets | 75.3752% | 6,749 |
| Equity capital to assets | 8.9201% | 5,320 |
| Core capital (leverage) ratio | 8.4906% | 5,474 |
| Tier 1 risk-based capital ratio | 14.2656% | 3,897 |
| Total risk-based capital ratio | 15.5194% | 3,852 |
| Memoranda: | ||
| Average total assets | $1,093,408,000 | 619 |
| Average earning assets | $949,444,000 | 645 |
| Average equity | $108,786,500 | 637 |
| Average total loans | $500,074,000 | 878 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4299% | 2,550 |
| Cost of funding earning assets | 2.5434% | 93 |
| Net interest margin | 2.8865% | 6,915 |
| Noninterest income to average assets | 0.2168% | 6,256 |
| Noninterest expense to average assets | 1.2951% | 7,517 |
| Loan and lease loss provision to assets | 0.7975% | 2,042 |
| Net operating income to assets | 0.5810% | 3,752 |
| Return on assets (ROA) | 0.3578% | 4,874 |
| Pretax return on assets | 0.4802% | 4,689 |
| Return on Equity (ROE) | 3.2798% | 4,833 |
| Retained earnings to average equity (ytd only) | 3.2798% | 3,575 |
| Net charge-offs to loans | 1.0392% | 2,124 |
| Credit loss provision to net charge-offs | 145.6772% | 2,530 |
| Earnings coverage of net charge-offs (x) | 2.8776% | 3,631 |
| Efficiency ratio | 45.1198% | 7,384 |
| Assets per employee ($millions) | 10.6642% | 213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2497% | 1,776 |
| Loan loss allowance to noncurrent loans | 42.6238% | 5,470 |
| Noncurrent assets plus other real estate owned to assets | 4.1318% | 1,630 |
| Noncurrent loans to loans | 5.2780% | 1,257 |
| Net loans and leases to total assets | 50.9074% | 6,054 |
| Net loans and leases to deposits | 74.4744% | 4,121 |
| Net loans and leases to core deposits | 75.4098% | 4,801 |
| Total domestic deposits to total assets | 68.3556% | 7,312 |
| Equity capital to assets | 11.2651% | 2,442 |
| Core capital (leverage) ratio | 11.0847% | 2,099 |
| Tier 1 risk-based capital ratio | 14.4609% | 3,572 |
| Total risk-based capital ratio | 15.7143% | 3,524 |
| Memoranda: | ||
| Average total assets | $969,820,000 | 686 |
| Average earning assets | $891,527,600 | 679 |
| Average equity | $105,800,200 | 640 |
| Average total loans | $510,855,400 | 884 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4809% | 2,516 |
| Cost of funding earning assets | 2.6159% | 91 |
| Net interest margin | 2.8650% | 7,055 |
| Noninterest income to average assets | 0.1890% | 6,532 |
| Noninterest expense to average assets | 1.2633% | 7,644 |
| Loan and lease loss provision to assets | 1.0027% | 1,480 |
| Net operating income to assets | 0.4760% | 4,415 |
| Return on assets (ROA) | 0.1780% | 5,735 |
| Pretax return on assets | 0.2116% | 5,704 |
| Return on Equity (ROE) | 1.6448% | 5,721 |
| Retained earnings to average equity (ytd only) | 1.6448% | 5,131 |
| Net charge-offs to loans | 1.3460% | 1,507 |
| Credit loss provision to net charge-offs | 141.0222% | 2,809 |
| Earnings coverage of net charge-offs (x) | 2.2068% | 4,074 |
| Efficiency ratio | 44.6042% | 7,446 |
| Assets per employee ($millions) | 10.4652% | 234 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1857% | 1,833 |
| Loan loss allowance to noncurrent loans | 39.8841% | 5,637 |
| Noncurrent assets plus other real estate owned to assets | 4.0982% | 1,685 |
| Noncurrent loans to loans | 5.4802% | 1,210 |
| Net loans and leases to total assets | 51.4410% | 6,167 |
| Net loans and leases to deposits | 75.3448% | 4,292 |
| Net loans and leases to core deposits | 76.2968% | 5,020 |
| Total domestic deposits to total assets | 68.2741% | 7,363 |
| Equity capital to assets | 11.2675% | 2,726 |
| Core capital (leverage) ratio | 10.8965% | 2,337 |
| Tier 1 risk-based capital ratio | 14.1183% | 3,750 |
| Total risk-based capital ratio | 15.3714% | 3,725 |
| Memoranda: | ||
| Average total assets | $972,330,250 | 679 |
| Average earning assets | $897,106,000 | 666 |
| Average equity | $105,220,250 | 634 |
| Average total loans | $513,608,250 | 881 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5183% | 2,446 |
| Cost of funding earning assets | 2.7066% | 88 |
| Net interest margin | 2.8116% | 7,129 |
| Noninterest income to average assets | 0.1808% | 6,618 |
| Noninterest expense to average assets | 1.3359% | 7,693 |
| Loan and lease loss provision to assets | 0.3712% | 3,484 |
| Net operating income to assets | 0.7868% | 3,033 |
| Return on assets (ROA) | 0.5019% | 4,468 |
| Pretax return on assets | 0.6864% | 4,287 |
| Return on Equity (ROE) | 4.7012% | 4,437 |
| Retained earnings to average equity (ytd only) | 4.7012% | 3,082 |
| Net charge-offs to loans | 0.1441% | 4,790 |
| Credit loss provision to net charge-offs | 487.1314% | 763 |
| Earnings coverage of net charge-offs (x) | 19.0000% | 1,267 |
| Efficiency ratio | 47.9891% | 7,349 |
| Assets per employee ($millions) | 10.5885% | 216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9551% | 2,291 |
| Loan loss allowance to noncurrent loans | 36.6640% | 5,916 |
| Noncurrent assets plus other real estate owned to assets | 3.6185% | 1,938 |
| Noncurrent loans to loans | 5.3326% | 1,254 |
| Net loans and leases to total assets | 53.4127% | 6,058 |
| Net loans and leases to deposits | 77.7891% | 4,020 |
| Net loans and leases to core deposits | 78.9607% | 4,809 |
| Total domestic deposits to total assets | 68.6634% | 7,404 |
| Equity capital to assets | 11.0780% | 2,786 |
| Core capital (leverage) ratio | 10.9326% | 2,292 |
| Tier 1 risk-based capital ratio | 13.7959% | 3,884 |
| Total risk-based capital ratio | 15.0472% | 3,845 |
| Memoranda: | ||
| Average total assets | $978,996,330 | 670 |
| Average earning assets | $906,301,330 | 656 |
| Average equity | $104,525,670 | 631 |
| Average total loans | $517,865,670 | 880 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6275% | 2,043 |
| Cost of funding earning assets | 2.7571% | 102 |
| Net interest margin | 2.8704% | 7,072 |
| Noninterest income to average assets | 0.1844% | 6,635 |
| Noninterest expense to average assets | 1.3548% | 7,778 |
| Loan and lease loss provision to assets | 0.0632% | 6,013 |
| Net operating income to assets | 1.0001% | 2,188 |
| Return on assets (ROA) | 0.6332% | 3,862 |
| Pretax return on assets | 0.9008% | 3,466 |
| Return on Equity (ROE) | 6.0415% | 3,861 |
| Retained earnings to average equity (ytd only) | 6.0415% | 2,603 |
| Net charge-offs to loans | -0.2675% | 7,724 |
| Credit loss provision to net charge-offs | -45.3488% | 6,008 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.6544% | 7,465 |
| Assets per employee ($millions) | 11.1844% | 196 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8093% | 2,704 |
| Loan loss allowance to noncurrent loans | 41.3333% | 5,594 |
| Noncurrent assets plus other real estate owned to assets | 2.7981% | 2,600 |
| Noncurrent loans to loans | 4.3774% | 1,725 |
| Net loans and leases to total assets | 50.8064% | 6,391 |
| Net loans and leases to deposits | 76.0445% | 4,406 |
| Net loans and leases to core deposits | 77.0078% | 5,139 |
| Total domestic deposits to total assets | 66.8114% | 7,581 |
| Equity capital to assets | 10.5874% | 3,155 |
| Core capital (leverage) ratio | 10.4865% | 2,634 |
| Tier 1 risk-based capital ratio | 13.0836% | 4,272 |
| Total risk-based capital ratio | 14.2548% | 4,302 |
| Memoranda: | ||
| Average total assets | $986,718,500 | 687 |
| Average earning assets | $913,865,000 | 671 |
| Average equity | $103,417,500 | 643 |
| Average total loans | $514,337,500 | 910 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5291% | 3,992 |
| Cost of funding earning assets | 3.3810% | 72 |
| Net interest margin | 2.1482% | 7,675 |
| Noninterest income to average assets | 0.3390% | 5,667 |
| Noninterest expense to average assets | 1.4625% | 7,821 |
| Loan and lease loss provision to assets | 0.5685% | 3,537 |
| Net operating income to assets | 0.3288% | 4,419 |
| Return on assets (ROA) | 0.0666% | 5,344 |
| Pretax return on assets | 0.0314% | 5,367 |
| Return on Equity (ROE) | 0.7250% | 5,323 |
| Retained earnings to average equity (ytd only) | 0.7250% | 4,503 |
| Net charge-offs to loans | 0.4215% | 4,111 |
| Credit loss provision to net charge-offs | 263.9238% | 1,329 |
| Earnings coverage of net charge-offs (x) | 4.0023% | 3,106 |
| Efficiency ratio | 62.9130% | 5,982 |
| Assets per employee ($millions) | 11.3723% | 196 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7172% | 2,841 |
| Loan loss allowance to noncurrent loans | 42.9176% | 5,543 |
| Noncurrent assets plus other real estate owned to assets | 2.5110% | 2,787 |
| Noncurrent loans to loans | 4.0012% | 1,854 |
| Net loans and leases to total assets | 51.6145% | 6,465 |
| Net loans and leases to deposits | 77.5072% | 4,471 |
| Net loans and leases to core deposits | 93.1732% | 4,761 |
| Total domestic deposits to total assets | 66.5933% | 7,621 |
| Equity capital to assets | 10.3726% | 3,322 |
| Core capital (leverage) ratio | 10.4878% | 2,624 |
| Tier 1 risk-based capital ratio | 12.6225% | 4,422 |
| Total risk-based capital ratio | 13.7082% | 4,502 |
| Memoranda: | ||
| Average total assets | $998,587,200 | 668 |
| Average earning assets | $923,018,200 | 661 |
| Average equity | $91,727,800 | 706 |
| Average total loans | $510,354,000 | 935 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5906% | 3,923 |
| Cost of funding earning assets | 3.5247% | 61 |
| Net interest margin | 2.0659% | 7,788 |
| Noninterest income to average assets | 0.3690% | 5,561 |
| Noninterest expense to average assets | 1.4559% | 7,906 |
| Loan and lease loss provision to assets | 0.4959% | 3,415 |
| Net operating income to assets | 0.2473% | 5,001 |
| Return on assets (ROA) | 0.0202% | 5,721 |
| Pretax return on assets | -0.0284% | 5,752 |
| Return on Equity (ROE) | 0.2269% | 5,709 |
| Retained earnings to average equity (ytd only) | 0.2269% | 5,103 |
| Net charge-offs to loans | 0.4022% | 3,648 |
| Credit loss provision to net charge-offs | 242.8757% | 1,795 |
| Earnings coverage of net charge-offs (x) | 4.0273% | 3,294 |
| Efficiency ratio | 63.9067% | 5,773 |
| Assets per employee ($millions) | 11.4036% | 196 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4351% | 3,762 |
| Loan loss allowance to noncurrent loans | 35.1332% | 6,066 |
| Noncurrent assets plus other real estate owned to assets | 2.3492% | 2,932 |
| Noncurrent loans to loans | 4.0846% | 1,794 |
| Net loans and leases to total assets | 52.6314% | 6,546 |
| Net loans and leases to deposits | 79.2562% | 4,519 |
| Net loans and leases to core deposits | 96.0094% | 4,811 |
| Total domestic deposits to total assets | 66.4066% | 7,660 |
| Equity capital to assets | 9.6418% | 4,566 |
| Core capital (leverage) ratio | 9.6990% | 3,646 |
| Tier 1 risk-based capital ratio | 11.4095% | 5,519 |
| Total risk-based capital ratio | 12.3118% | 5,847 |
| Memoranda: | ||
| Average total assets | $1,003,728,750 | 678 |
| Average earning assets | $927,535,500 | 670 |
| Average equity | $89,298,250 | 733 |
| Average total loans | $509,537,250 | 952 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6595% | 3,769 |
| Cost of funding earning assets | 3.6524% | 64 |
| Net interest margin | 2.0070% | 7,860 |
| Noninterest income to average assets | 0.4204% | 5,116 |
| Noninterest expense to average assets | 1.3903% | 8,013 |
| Loan and lease loss provision to assets | 0.4422% | 3,339 |
| Net operating income to assets | 0.5080% | 4,058 |
| Return on assets (ROA) | 0.1382% | 5,550 |
| Pretax return on assets | 0.0664% | 5,751 |
| Return on Equity (ROE) | 1.5969% | 5,432 |
| Retained earnings to average equity (ytd only) | 1.5969% | 4,441 |
| Net charge-offs to loans | 0.4235% | 3,107 |
| Credit loss provision to net charge-offs | 209.1674% | 2,186 |
| Earnings coverage of net charge-offs (x) | 4.1553% | 3,196 |
| Efficiency ratio | 61.2830% | 6,353 |
| Assets per employee ($millions) | 11.5915% | 175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2590% | 4,551 |
| Loan loss allowance to noncurrent loans | 28.1661% | 6,619 |
| Noncurrent assets plus other real estate owned to assets | 2.3377% | 2,780 |
| Noncurrent loans to loans | 4.4699% | 1,443 |
| Net loans and leases to total assets | 49.9152% | 6,878 |
| Net loans and leases to deposits | 77.1172% | 5,014 |
| Net loans and leases to core deposits | 91.9855% | 5,354 |
| Total domestic deposits to total assets | 64.7263% | 7,801 |
| Equity capital to assets | 9.0153% | 5,290 |
| Core capital (leverage) ratio | 9.2980% | 4,166 |
| Tier 1 risk-based capital ratio | 10.3074% | 6,589 |
| Total risk-based capital ratio | 11.0115% | 7,114 |
| Memoranda: | ||
| Average total assets | $1,011,403,000 | 686 |
| Average earning assets | $931,431,000 | 679 |
| Average equity | $87,545,000 | 753 |
| Average total loans | $504,825,000 | 987 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7353% | 3,614 |
| Cost of funding earning assets | 3.7458% | 77 |
| Net interest margin | 1.9895% | 7,900 |
| Noninterest income to average assets | 0.1752% | 7,054 |
| Noninterest expense to average assets | 1.0450% | 8,160 |
| Loan and lease loss provision to assets | 0.5048% | 2,450 |
| Net operating income to assets | 0.3527% | 5,057 |
| Return on assets (ROA) | 0.2300% | 5,722 |
| Pretax return on assets | 0.3086% | 5,660 |
| Return on Equity (ROE) | 2.7139% | 5,488 |
| Retained earnings to average equity (ytd only) | 2.7139% | 4,378 |
| Net charge-offs to loans | 0.5294% | 2,131 |
| Credit loss provision to net charge-offs | 192.2844% | 2,296 |
| Earnings coverage of net charge-offs (x) | 3.7216% | 3,089 |
| Efficiency ratio | 51.6794% | 7,450 |
| Assets per employee ($millions) | 11.4755% | 190 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1969% | 4,825 |
| Loan loss allowance to noncurrent loans | 31.7126% | 6,431 |
| Noncurrent assets plus other real estate owned to assets | 1.8802% | 3,092 |
| Noncurrent loans to loans | 3.7741% | 1,634 |
| Net loans and leases to total assets | 48.8691% | 6,955 |
| Net loans and leases to deposits | 74.7916% | 5,382 |
| Net loans and leases to core deposits | 90.0847% | 5,546 |
| Total domestic deposits to total assets | 65.3404% | 7,771 |
| Equity capital to assets | 8.4542% | 6,146 |
| Core capital (leverage) ratio | 8.9860% | 4,731 |
| Tier 1 risk-based capital ratio | 11.4935% | 5,423 |
| Total risk-based capital ratio | 12.2445% | 5,810 |
| Memoranda: | ||
| Average total assets | $1,007,078,000 | 684 |
| Average earning assets | $934,913,500 | 673 |
| Average equity | $85,337,000 | 775 |
| Average total loans | $499,411,000 | 1,007 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0563% | 5,268 |
| Cost of funding earning assets | 4.0823% | 73 |
| Net interest margin | 1.9740% | 8,079 |
| Noninterest income to average assets | 0.2480% | 6,673 |
| Noninterest expense to average assets | 1.2187% | 8,159 |
| Loan and lease loss provision to assets | 1.2276% | 1,169 |
| Net operating income to assets | -0.1117% | 6,513 |
| Return on assets (ROA) | -1.2601% | 7,313 |
| Pretax return on assets | -2.1500% | 7,487 |
| Return on Equity (ROE) | -13.7068% | 7,531 |
| Retained earnings to average equity (ytd only) | -13.7068% | 7,386 |
| Net charge-offs to loans | -0.0011% | 7,722 |
| Credit loss provision to net charge-offs | -238,160.0000% | 7,570 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2910% | 6,645 |
| Assets per employee ($millions) | 11.6805% | 173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1011% | 5,279 |
| Loan loss allowance to noncurrent loans | 31.3549% | 6,633 |
| Noncurrent assets plus other real estate owned to assets | 1.7601% | 2,776 |
| Noncurrent loans to loans | 3.5119% | 1,443 |
| Net loans and leases to total assets | 49.1753% | 7,093 |
| Net loans and leases to deposits | 76.8104% | 5,494 |
| Net loans and leases to core deposits | 91.9496% | 5,644 |
| Total domestic deposits to total assets | 64.0217% | 7,796 |
| Equity capital to assets | 8.4938% | 6,098 |
| Core capital (leverage) ratio | 9.1625% | 4,499 |
| Tier 1 risk-based capital ratio | 13.1329% | 4,044 |
| Total risk-based capital ratio | 13.9093% | 4,235 |
| Memoranda: | ||
| Average total assets | $970,017,000 | 680 |
| Average earning assets | $905,515,000 | 660 |
| Average equity | $89,175,000 | 749 |
| Average total loans | $464,940,800 | 1,042 |