Home > Freedom Security Bank > Performance and Condition Ratios
Freedom Security Bank, Performance and Condition Ratios
| 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 | 3.7194% | 5,083 |
| Cost of funding earning assets | 0.5665% | 3,253 |
| Net interest margin | 3.1529% | 5,117 |
| Noninterest income to average assets | 0.7013% | 2,632 |
| Noninterest expense to average assets | 3.5753% | 1,457 |
| Loan and lease loss provision to assets | 0.0794% | 3,471 |
| Net operating income to assets | 0.1465% | 6,032 |
| Return on assets (ROA) | 0.1482% | 6,134 |
| Pretax return on assets | -0.0344% | 6,382 |
| Return on Equity (ROE) | 1.2016% | 6,168 |
| Retained earnings to average equity (ytd only) | 1.2016% | 5,422 |
| Net charge-offs to loans | -0.0198% | 5,967 |
| Credit loss provision to net charge-offs | -750.0000% | 5,980 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.8296% | 534 |
| Assets per employee ($millions) | 3.4672% | 4,923 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7886% | 2,471 |
| Loan loss allowance to noncurrent loans | 704.0404% | 639 |
| Noncurrent assets plus other real estate owned to assets | 0.2019% | 5,887 |
| Noncurrent loans to loans | 0.2540% | 5,673 |
| Net loans and leases to total assets | 52.5649% | 4,791 |
| Net loans and leases to deposits | 60.5633% | 4,913 |
| Net loans and leases to core deposits | 61.5391% | 5,141 |
| Total domestic deposits to total assets | 86.7932% | 2,947 |
| Equity capital to assets | 12.5311% | 1,558 |
| Core capital (leverage) ratio | 9.5969% | 4,085 |
| Tier 1 risk-based capital ratio | 17.3615% | 2,568 |
| Total risk-based capital ratio | 18.6164% | 2,538 |
| Memoranda: | ||
| Average total assets | $75,573,330 | 5,424 |
| Average earning assets | $69,904,000 | 5,397 |
| Average equity | $9,321,000 | 5,101 |
| Average total loans | $40,481,330 | 5,408 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7261% | 5,072 |
| Cost of funding earning assets | 0.5797% | 3,297 |
| Net interest margin | 3.1463% | 5,112 |
| Noninterest income to average assets | 0.6082% | 3,092 |
| Noninterest expense to average assets | 3.5709% | 1,471 |
| Loan and lease loss provision to assets | 0.0780% | 3,336 |
| Net operating income to assets | 0.0590% | 6,230 |
| Return on assets (ROA) | 0.0624% | 6,309 |
| Pretax return on assets | -0.1299% | 6,508 |
| Return on Equity (ROE) | 0.5096% | 6,327 |
| Retained earnings to average equity (ytd only) | 0.5096% | 5,620 |
| Net charge-offs to loans | -0.0194% | 5,692 |
| Credit loss provision to net charge-offs | -750.0000% | 5,574 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.6272% | 492 |
| Assets per employee ($millions) | 3.3860% | 5,243 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7111% | 2,961 |
| Loan loss allowance to noncurrent loans | 447.3684% | 940 |
| Noncurrent assets plus other real estate owned to assets | 0.6403% | 4,773 |
| Noncurrent loans to loans | 0.3825% | 5,453 |
| Net loans and leases to total assets | 52.4352% | 4,635 |
| Net loans and leases to deposits | 60.3728% | 4,752 |
| Net loans and leases to core deposits | 61.0398% | 5,052 |
| Total domestic deposits to total assets | 86.8523% | 3,047 |
| Equity capital to assets | 12.6121% | 1,640 |
| Core capital (leverage) ratio | 9.3061% | 4,388 |
| Tier 1 risk-based capital ratio | 17.0418% | 2,726 |
| Total risk-based capital ratio | 18.2975% | 2,700 |
| Memoranda: | ||
| Average total assets | $76,954,500 | 5,440 |
| Average earning assets | $71,067,000 | 5,412 |
| Average equity | $9,419,500 | 5,127 |
| Average total loans | $41,237,000 | 5,405 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1716% | 4,687 |
| Cost of funding earning assets | 0.8664% | 2,171 |
| Net interest margin | 3.3052% | 5,229 |
| Noninterest income to average assets | 0.5550% | 3,542 |
| Noninterest expense to average assets | 4.9159% | 398 |
| Loan and lease loss provision to assets | 0.0755% | 4,779 |
| Net operating income to assets | -0.7084% | 6,651 |
| Return on assets (ROA) | -0.5223% | 6,614 |
| Pretax return on assets | -1.0874% | 6,753 |
| Return on Equity (ROE) | -4.3219% | 6,567 |
| Retained earnings to average equity (ytd only) | -4.3219% | 6,384 |
| Net charge-offs to loans | 0.9747% | 1,129 |
| Credit loss provision to net charge-offs | 13.9860% | 5,357 |
| Earnings coverage of net charge-offs (x) | -2.4126% | 5,850 |
| Efficiency ratio | 136.0502% | 130 |
| Assets per employee ($millions) | 3.4529% | 5,103 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5515% | 3,511 |
| Loan loss allowance to noncurrent loans | 198.5030% | 1,857 |
| Noncurrent assets plus other real estate owned to assets | 0.8424% | 4,367 |
| Noncurrent loans to loans | 0.7816% | 4,618 |
| Net loans and leases to total assets | 52.9748% | 4,765 |
| Net loans and leases to deposits | 60.6254% | 4,955 |
| Net loans and leases to core deposits | 61.3387% | 5,231 |
| Total domestic deposits to total assets | 87.3805% | 2,590 |
| Equity capital to assets | 11.8917% | 2,117 |
| Core capital (leverage) ratio | 9.2303% | 4,523 |
| Tier 1 risk-based capital ratio | 16.1285% | 3,087 |
| Total risk-based capital ratio | 17.3819% | 3,040 |
| Memoranda: | ||
| Average total assets | $79,456,400 | 5,369 |
| Average earning assets | $73,520,400 | 5,325 |
| Average equity | $9,602,200 | 5,078 |
| Average total loans | $44,013,600 | 5,328 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2602% | 4,609 |
| Cost of funding earning assets | 0.9238% | 2,023 |
| Net interest margin | 3.3364% | 5,262 |
| Noninterest income to average assets | 0.5453% | 3,639 |
| Noninterest expense to average assets | 3.5956% | 1,563 |
| Loan and lease loss provision to assets | 0.0755% | 4,709 |
| Net operating income to assets | -0.0034% | 6,288 |
| Return on assets (ROA) | 0.3859% | 5,517 |
| Pretax return on assets | 0.3540% | 5,826 |
| Return on Equity (ROE) | 3.1805% | 5,613 |
| Retained earnings to average equity (ytd only) | 3.1805% | 4,630 |
| Net charge-offs to loans | 1.0646% | 982 |
| Credit loss provision to net charge-offs | 12.7119% | 5,047 |
| Earnings coverage of net charge-offs (x) | 0.0678% | 5,302 |
| Efficiency ratio | 98.8925% | 570 |
| Assets per employee ($millions) | 3.6348% | 4,692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6800% | 3,211 |
| Loan loss allowance to noncurrent loans | 186.8217% | 1,875 |
| Noncurrent assets plus other real estate owned to assets | 1.1607% | 3,963 |
| Noncurrent loans to loans | 0.8993% | 4,636 |
| Net loans and leases to total assets | 55.4330% | 4,532 |
| Net loans and leases to deposits | 64.8470% | 4,615 |
| Net loans and leases to core deposits | 65.4013% | 5,011 |
| Total domestic deposits to total assets | 85.4828% | 3,515 |
| Equity capital to assets | 12.7014% | 1,766 |
| Core capital (leverage) ratio | 10.3808% | 3,062 |
| Tier 1 risk-based capital ratio | 18.5585% | 2,138 |
| Total risk-based capital ratio | 19.8135% | 2,106 |
| Memoranda: | ||
| Average total assets | $79,466,250 | 5,417 |
| Average earning assets | $73,610,500 | 5,388 |
| Average equity | $9,641,750 | 5,116 |
| Average total loans | $44,333,500 | 5,382 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3137% | 4,513 |
| Cost of funding earning assets | 0.9616% | 1,984 |
| Net interest margin | 3.3521% | 5,266 |
| Noninterest income to average assets | 0.5465% | 3,603 |
| Noninterest expense to average assets | 3.2443% | 2,456 |
| Loan and lease loss provision to assets | 0.0745% | 4,693 |
| Net operating income to assets | 0.3676% | 5,351 |
| Return on assets (ROA) | 0.3676% | 5,576 |
| Pretax return on assets | 0.3279% | 5,903 |
| Return on Equity (ROE) | 3.0756% | 5,666 |
| Retained earnings to average equity (ytd only) | 3.0756% | 4,594 |
| Net charge-offs to loans | 1.3403% | 783 |
| Credit loss provision to net charge-offs | 10.0000% | 4,739 |
| Earnings coverage of net charge-offs (x) | 0.5400% | 4,800 |
| Efficiency ratio | 88.9646% | 1,153 |
| Assets per employee ($millions) | 3.7670% | 4,390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7134% | 3,170 |
| Loan loss allowance to noncurrent loans | 125.3289% | 2,614 |
| Noncurrent assets plus other real estate owned to assets | 1.4740% | 3,491 |
| Noncurrent loans to loans | 1.3672% | 3,868 |
| Net loans and leases to total assets | 55.2543% | 4,584 |
| Net loans and leases to deposits | 67.7706% | 4,240 |
| Net loans and leases to core deposits | 68.3567% | 4,746 |
| Total domestic deposits to total assets | 81.5313% | 5,284 |
| Equity capital to assets | 12.2758% | 1,951 |
| Core capital (leverage) ratio | 10.0453% | 3,358 |
| Tier 1 risk-based capital ratio | 17.4595% | 2,482 |
| Total risk-based capital ratio | 18.7149% | 2,448 |
| Memoranda: | ||
| Average total assets | $80,511,670 | 5,419 |
| Average earning assets | $74,460,670 | 5,383 |
| Average equity | $9,624,000 | 5,129 |
| Average total loans | $44,766,330 | 5,390 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3601% | 4,477 |
| Cost of funding earning assets | 0.9713% | 2,149 |
| Net interest margin | 3.3888% | 5,162 |
| Noninterest income to average assets | 0.6107% | 3,157 |
| Noninterest expense to average assets | 3.3295% | 2,200 |
| Loan and lease loss provision to assets | 0.0739% | 4,478 |
| Net operating income to assets | 0.3694% | 5,389 |
| Return on assets (ROA) | 0.3694% | 5,569 |
| Pretax return on assets | 0.3349% | 5,895 |
| Return on Equity (ROE) | 3.1314% | 5,669 |
| Retained earnings to average equity (ytd only) | 3.1314% | 4,688 |
| Net charge-offs to loans | 2.5738% | 316 |
| Credit loss provision to net charge-offs | 5.1903% | 3,956 |
| Earnings coverage of net charge-offs (x) | 0.2872% | 4,219 |
| Efficiency ratio | 89.0646% | 1,167 |
| Assets per employee ($millions) | 3.7660% | 4,504 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6651% | 3,485 |
| Loan loss allowance to noncurrent loans | 63.4841% | 4,336 |
| Noncurrent assets plus other real estate owned to assets | 2.0648% | 2,809 |
| Noncurrent loans to loans | 2.6228% | 2,482 |
| Net loans and leases to total assets | 56.6042% | 4,271 |
| Net loans and leases to deposits | 69.7105% | 3,766 |
| Net loans and leases to core deposits | 70.3160% | 4,369 |
| Total domestic deposits to total assets | 81.1989% | 5,544 |
| Equity capital to assets | 12.0932% | 1,978 |
| Core capital (leverage) ratio | 9.7530% | 3,703 |
| Tier 1 risk-based capital ratio | 17.2836% | 2,564 |
| Total risk-based capital ratio | 18.5402% | 2,531 |
| Memoranda: | ||
| Average total assets | $81,214,000 | 5,437 |
| Average earning assets | $74,953,000 | 5,405 |
| Average equity | $9,580,500 | 5,149 |
| Average total loans | $44,913,500 | 5,426 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6572% | 4,433 |
| Cost of funding earning assets | 1.1997% | 2,024 |
| Net interest margin | 3.4575% | 5,296 |
| Noninterest income to average assets | 0.2537% | 5,711 |
| Noninterest expense to average assets | 3.2809% | 2,589 |
| Loan and lease loss provision to assets | 0.0728% | 5,699 |
| Net operating income to assets | 0.2112% | 5,555 |
| Return on assets (ROA) | 0.2197% | 5,665 |
| Pretax return on assets | 0.1092% | 5,958 |
| Return on Equity (ROE) | 1.9489% | 5,677 |
| Retained earnings to average equity (ytd only) | 1.9489% | 4,820 |
| Net charge-offs to loans | 0.1985% | 4,553 |
| Credit loss provision to net charge-offs | 64.5161% | 5,042 |
| Earnings coverage of net charge-offs (x) | 1.5376% | 4,623 |
| Efficiency ratio | 94.9754% | 864 |
| Assets per employee ($millions) | 3.9687% | 3,923 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3294% | 1,579 |
| Loan loss allowance to noncurrent loans | 62.5455% | 4,370 |
| Noncurrent assets plus other real estate owned to assets | 2.4141% | 2,520 |
| Noncurrent loans to loans | 3.7244% | 1,690 |
| Net loans and leases to total assets | 51.9198% | 5,324 |
| Net loans and leases to deposits | 62.9552% | 5,124 |
| Net loans and leases to core deposits | 63.5562% | 5,516 |
| Total domestic deposits to total assets | 82.4710% | 4,973 |
| Equity capital to assets | 11.5152% | 2,494 |
| Core capital (leverage) ratio | 10.1566% | 3,159 |
| Tier 1 risk-based capital ratio | 17.5483% | 2,364 |
| Total risk-based capital ratio | 18.8096% | 2,330 |
| Memoranda: | ||
| Average total assets | $82,386,000 | 5,386 |
| Average earning assets | $76,269,600 | 5,334 |
| Average equity | $9,287,200 | 5,209 |
| Average total loans | $46,843,600 | 5,390 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7399% | 4,281 |
| Cost of funding earning assets | 1.2616% | 1,924 |
| Net interest margin | 3.4782% | 5,282 |
| Noninterest income to average assets | -0.0406% | 7,149 |
| Noninterest expense to average assets | 3.3062% | 2,476 |
| Loan and lease loss provision to assets | 0.0974% | 5,238 |
| Net operating income to assets | 0.0106% | 6,140 |
| Return on assets (ROA) | 0.0179% | 6,226 |
| Pretax return on assets | -0.2110% | 6,419 |
| Return on Equity (ROE) | 0.1593% | 6,229 |
| Retained earnings to average equity (ytd only) | 0.1593% | 5,910 |
| Net charge-offs to loans | 0.0337% | 5,680 |
| Credit loss provision to net charge-offs | 500.0000% | 545 |
| Earnings coverage of net charge-offs (x) | -6.4163% | 6,116 |
| Efficiency ratio | 103.9286% | 553 |
| Assets per employee ($millions) | 3.5804% | 4,805 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4775% | 1,429 |
| Loan loss allowance to noncurrent loans | 99.4638% | 2,974 |
| Noncurrent assets plus other real estate owned to assets | 1.4486% | 3,947 |
| Noncurrent loans to loans | 2.4908% | 2,783 |
| Net loans and leases to total assets | 55.6216% | 4,896 |
| Net loans and leases to deposits | 67.9014% | 4,630 |
| Net loans and leases to core deposits | 68.5924% | 5,108 |
| Total domestic deposits to total assets | 81.9152% | 5,128 |
| Equity capital to assets | 11.9808% | 2,265 |
| Core capital (leverage) ratio | 10.3581% | 3,026 |
| Tier 1 risk-based capital ratio | 18.4790% | 2,094 |
| Total risk-based capital ratio | 19.7450% | 2,054 |
| Memoranda: | ||
| Average total assets | $82,147,000 | 5,434 |
| Average earning assets | $76,090,500 | 5,380 |
| Average equity | $9,209,750 | 5,256 |
| Average total loans | $47,478,750 | 5,405 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8547% | 3,846 |
| Cost of funding earning assets | 1.3280% | 1,777 |
| Net interest margin | 3.5267% | 5,032 |
| Noninterest income to average assets | -0.2906% | 7,379 |
| Noninterest expense to average assets | 3.1511% | 3,077 |
| Loan and lease loss provision to assets | 0.1441% | 4,506 |
| Net operating income to assets | -0.0600% | 6,308 |
| Return on assets (ROA) | -0.0600% | 6,364 |
| Pretax return on assets | -0.3266% | 6,546 |
| Return on Equity (ROE) | -0.5474% | 6,363 |
| Retained earnings to average equity (ytd only) | -0.5474% | 5,977 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.1489% | 555 |
| Assets per employee ($millions) | 3.6887% | 4,479 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4689% | 1,496 |
| Loan loss allowance to noncurrent loans | 98.5977% | 2,932 |
| Noncurrent assets plus other real estate owned to assets | 1.4331% | 4,063 |
| Noncurrent loans to loans | 2.5040% | 2,884 |
| Net loans and leases to total assets | 54.7646% | 5,186 |
| Net loans and leases to deposits | 66.6737% | 4,901 |
| Net loans and leases to core deposits | 68.3660% | 5,252 |
| Total domestic deposits to total assets | 82.1382% | 5,121 |
| Equity capital to assets | 11.3652% | 2,628 |
| Core capital (leverage) ratio | 10.0708% | 3,175 |
| Tier 1 risk-based capital ratio | 17.1680% | 2,454 |
| Total risk-based capital ratio | 18.4324% | 2,425 |
| Memoranda: | ||
| Average total assets | $83,273,330 | 5,448 |
| Average earning assets | $76,956,000 | 5,395 |
| Average equity | $9,134,000 | 5,286 |
| Average total loans | $48,330,000 | 5,424 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8944% | 3,614 |
| Cost of funding earning assets | 1.3977% | 1,624 |
| Net interest margin | 3.4968% | 5,030 |
| Noninterest income to average assets | 0.4221% | 4,522 |
| Noninterest expense to average assets | 3.1304% | 3,140 |
| Loan and lease loss provision to assets | 0.1423% | 4,231 |
| Net operating income to assets | 0.3747% | 5,049 |
| Return on assets (ROA) | 0.3747% | 5,131 |
| Pretax return on assets | 0.3652% | 5,453 |
| Return on Equity (ROE) | 3.4765% | 5,153 |
| Retained earnings to average equity (ytd only) | 3.4765% | 4,098 |
| Net charge-offs to loans | -0.0080% | 6,308 |
| Credit loss provision to net charge-offs | -3,000.0000% | 6,296 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.0495% | 1,710 |
| Assets per employee ($millions) | 3.5701% | 4,823 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2106% | 1,939 |
| Loan loss allowance to noncurrent loans | 130.7876% | 2,247 |
| Noncurrent assets plus other real estate owned to assets | 2.5404% | 2,690 |
| Noncurrent loans to loans | 1.6902% | 3,954 |
| Net loans and leases to total assets | 59.0450% | 4,453 |
| Net loans and leases to deposits | 71.7119% | 4,110 |
| Net loans and leases to core deposits | 75.8044% | 4,323 |
| Total domestic deposits to total assets | 82.3363% | 5,174 |
| Equity capital to assets | 11.1104% | 2,575 |
| Core capital (leverage) ratio | 9.8806% | 3,299 |
| Tier 1 risk-based capital ratio | 15.5033% | 3,163 |
| Total risk-based capital ratio | 16.7635% | 3,106 |
| Memoranda: | ||
| Average total assets | $84,334,500 | 5,459 |
| Average earning assets | $77,557,500 | 5,426 |
| Average equity | $9,089,500 | 5,289 |
| Average total loans | $49,711,500 | 5,407 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2523% | 3,351 |
| Cost of funding earning assets | 1.5858% | 2,157 |
| Net interest margin | 3.6665% | 4,507 |
| Noninterest income to average assets | 0.4544% | 4,485 |
| Noninterest expense to average assets | 3.3295% | 2,643 |
| Loan and lease loss provision to assets | 0.8633% | 1,884 |
| Net operating income to assets | -0.0972% | 5,984 |
| Return on assets (ROA) | -0.0611% | 6,022 |
| Pretax return on assets | -0.3249% | 6,183 |
| Return on Equity (ROE) | -0.5758% | 6,023 |
| Retained earnings to average equity (ytd only) | -0.5758% | 5,722 |
| Net charge-offs to loans | 1.1328% | 1,970 |
| Credit loss provision to net charge-offs | 120.8054% | 3,485 |
| Earnings coverage of net charge-offs (x) | 0.6745% | 5,433 |
| Efficiency ratio | 87.3545% | 1,534 |
| Assets per employee ($millions) | 3.7633% | 4,335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1367% | 1,987 |
| Loan loss allowance to noncurrent loans | 132.2981% | 2,225 |
| Noncurrent assets plus other real estate owned to assets | 2.5336% | 2,736 |
| Noncurrent loans to loans | 1.6150% | 4,081 |
| Net loans and leases to total assets | 56.3548% | 5,285 |
| Net loans and leases to deposits | 68.5464% | 5,028 |
| Net loans and leases to core deposits | 72.6105% | 5,149 |
| Total domestic deposits to total assets | 82.2140% | 5,120 |
| Equity capital to assets | 10.4625% | 3,195 |
| Core capital (leverage) ratio | 9.7313% | 3,396 |
| Tier 1 risk-based capital ratio | 15.3313% | 3,082 |
| Total risk-based capital ratio | 16.5915% | 3,036 |
| Memoranda: | ||
| Average total assets | $83,405,600 | 5,489 |
| Average earning assets | $76,366,800 | 5,471 |
| Average equity | $8,857,000 | 5,463 |
| Average total loans | $52,614,600 | 5,374 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3938% | 2,916 |
| Cost of funding earning assets | 1.6190% | 2,282 |
| Net interest margin | 3.7748% | 4,075 |
| Noninterest income to average assets | 0.4115% | 4,866 |
| Noninterest expense to average assets | 3.4778% | 2,087 |
| Loan and lease loss provision to assets | 1.0732% | 1,366 |
| Net operating income to assets | -0.2890% | 6,422 |
| Return on assets (ROA) | -0.2405% | 6,422 |
| Pretax return on assets | -0.6132% | 6,620 |
| Return on Equity (ROE) | -2.2556% | 6,427 |
| Retained earnings to average equity (ytd only) | -2.2556% | 6,248 |
| Net charge-offs to loans | 1.4957% | 1,343 |
| Credit loss provision to net charge-offs | 111.2040% | 3,803 |
| Earnings coverage of net charge-offs (x) | 0.3980% | 5,627 |
| Efficiency ratio | 90.0543% | 1,286 |
| Assets per employee ($millions) | 3.1265% | 5,864 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9949% | 2,236 |
| Loan loss allowance to noncurrent loans | 233.8747% | 1,251 |
| Noncurrent assets plus other real estate owned to assets | 2.3152% | 3,065 |
| Noncurrent loans to loans | 0.8530% | 5,515 |
| Net loans and leases to total assets | 60.9185% | 4,730 |
| Net loans and leases to deposits | 75.2435% | 4,306 |
| Net loans and leases to core deposits | 81.7297% | 4,283 |
| Total domestic deposits to total assets | 80.9618% | 5,386 |
| Equity capital to assets | 11.3459% | 2,667 |
| Core capital (leverage) ratio | 9.9340% | 3,313 |
| Tier 1 risk-based capital ratio | 15.4896% | 2,999 |
| Total risk-based capital ratio | 16.7474% | 2,968 |
| Memoranda: | ||
| Average total assets | $82,617,750 | 5,574 |
| Average earning assets | $75,516,500 | 5,559 |
| Average equity | $8,807,250 | 5,551 |
| Average total loans | $53,307,250 | 5,418 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3717% | 3,095 |
| Cost of funding earning assets | 1.6336% | 2,459 |
| Net interest margin | 3.7381% | 4,195 |
| Noninterest income to average assets | 0.4310% | 4,673 |
| Noninterest expense to average assets | 3.5155% | 1,993 |
| Loan and lease loss provision to assets | 1.4688% | 909 |
| Net operating income to assets | -0.5660% | 6,718 |
| Return on assets (ROA) | -0.4936% | 6,684 |
| Pretax return on assets | -1.0185% | 6,898 |
| Return on Equity (ROE) | -4.7297% | 6,673 |
| Retained earnings to average equity (ytd only) | -4.7297% | 6,521 |
| Net charge-offs to loans | 1.1911% | 1,595 |
| Credit loss provision to net charge-offs | 188.8545% | 2,091 |
| Earnings coverage of net charge-offs (x) | 0.4334% | 5,291 |
| Efficiency ratio | 91.2500% | 1,241 |
| Assets per employee ($millions) | 3.2499% | 5,554 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3470% | 1,517 |
| Loan loss allowance to noncurrent loans | 87.3400% | 3,116 |
| Noncurrent assets plus other real estate owned to assets | 2.7078% | 2,667 |
| Noncurrent loans to loans | 2.6872% | 2,965 |
| Net loans and leases to total assets | 62.8872% | 4,490 |
| Net loans and leases to deposits | 77.4504% | 4,089 |
| Net loans and leases to core deposits | 83.7510% | 4,164 |
| Total domestic deposits to total assets | 81.1968% | 5,333 |
| Equity capital to assets | 11.0576% | 2,801 |
| Core capital (leverage) ratio | 9.7889% | 3,419 |
| Tier 1 risk-based capital ratio | 15.1313% | 3,090 |
| Total risk-based capital ratio | 16.3956% | 3,036 |
| Memoranda: | ||
| Average total assets | $83,060,670 | 5,594 |
| Average earning assets | $76,028,000 | 5,577 |
| Average equity | $8,668,670 | 5,593 |
| Average total loans | $54,233,670 | 5,411 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3977% | 3,044 |
| Cost of funding earning assets | 1.6428% | 2,692 |
| Net interest margin | 3.7549% | 3,984 |
| Noninterest income to average assets | 0.3716% | 5,172 |
| Noninterest expense to average assets | 3.4918% | 2,001 |
| Loan and lease loss provision to assets | 2.6439% | 389 |
| Net operating income to assets | -1.3243% | 7,263 |
| Return on assets (ROA) | -1.3243% | 7,276 |
| Pretax return on assets | -2.3342% | 7,484 |
| Return on Equity (ROE) | -13.0654% | 7,259 |
| Retained earnings to average equity (ytd only) | -13.0654% | 7,124 |
| Net charge-offs to loans | 1.6597% | 1,045 |
| Credit loss provision to net charge-offs | 242.3581% | 1,585 |
| Earnings coverage of net charge-offs (x) | 0.2838% | 4,788 |
| Efficiency ratio | 91.8546% | 1,285 |
| Assets per employee ($millions) | 3.5989% | 4,823 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3189% | 1,546 |
| Loan loss allowance to noncurrent loans | 66.5791% | 4,030 |
| Noncurrent assets plus other real estate owned to assets | 3.9553% | 1,744 |
| Noncurrent loans to loans | 3.4829% | 2,288 |
| Net loans and leases to total assets | 64.4772% | 4,221 |
| Net loans and leases to deposits | 78.9547% | 3,846 |
| Net loans and leases to core deposits | 90.8922% | 3,245 |
| Total domestic deposits to total assets | 81.6635% | 5,209 |
| Equity capital to assets | 10.1492% | 3,670 |
| Core capital (leverage) ratio | 8.8953% | 4,734 |
| Tier 1 risk-based capital ratio | 13.3863% | 4,056 |
| Total risk-based capital ratio | 14.6498% | 4,011 |
| Memoranda: | ||
| Average total assets | $83,967,500 | 5,634 |
| Average earning assets | $76,699,500 | 5,616 |
| Average equity | $8,511,000 | 5,686 |
| Average total loans | $55,189,500 | 5,449 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4787% | 4,265 |
| Cost of funding earning assets | 2.0491% | 2,730 |
| Net interest margin | 3.4296% | 5,254 |
| Noninterest income to average assets | 0.5729% | 3,832 |
| Noninterest expense to average assets | 3.1017% | 3,735 |
| Loan and lease loss provision to assets | 0.3762% | 4,530 |
| Net operating income to assets | 0.2968% | 4,544 |
| Return on assets (ROA) | 0.3060% | 4,594 |
| Pretax return on assets | 0.2738% | 4,835 |
| Return on Equity (ROE) | 3.1446% | 4,441 |
| Retained earnings to average equity (ytd only) | 3.1446% | 2,958 |
| Net charge-offs to loans | 0.4421% | 4,027 |
| Credit loss provision to net charge-offs | 126.2548% | 4,128 |
| Earnings coverage of net charge-offs (x) | 2.1506% | 4,111 |
| Efficiency ratio | 82.8773% | 2,493 |
| Assets per employee ($millions) | 3.5483% | 4,896 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6882% | 2,933 |
| Loan loss allowance to noncurrent loans | 40.8597% | 5,672 |
| Noncurrent assets plus other real estate owned to assets | 3.9232% | 1,685 |
| Noncurrent loans to loans | 4.1316% | 1,777 |
| Net loans and leases to total assets | 64.3495% | 4,527 |
| Net loans and leases to deposits | 78.1261% | 4,343 |
| Net loans and leases to core deposits | 91.7969% | 4,915 |
| Total domestic deposits to total assets | 82.3661% | 4,788 |
| Equity capital to assets | 10.1233% | 3,597 |
| Core capital (leverage) ratio | 9.0774% | 4,291 |
| Tier 1 risk-based capital ratio | 13.5671% | 3,782 |
| Total risk-based capital ratio | 14.8224% | 3,721 |
| Memoranda: | ||
| Average total assets | $86,921,200 | 5,488 |
| Average earning assets | $80,329,000 | 5,448 |
| Average equity | $8,459,000 | 5,778 |
| Average total loans | $58,578,000 | 5,315 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4811% | 4,511 |
| Cost of funding earning assets | 2.1506% | 2,644 |
| Net interest margin | 3.3305% | 5,527 |
| Noninterest income to average assets | 0.6196% | 3,549 |
| Noninterest expense to average assets | 3.0814% | 3,714 |
| Loan and lease loss provision to assets | 0.2671% | 4,827 |
| Net operating income to assets | 0.3438% | 4,626 |
| Return on assets (ROA) | 0.3556% | 4,667 |
| Pretax return on assets | 0.3678% | 4,883 |
| Return on Equity (ROE) | 3.6902% | 4,504 |
| Retained earnings to average equity (ytd only) | 3.6902% | 3,227 |
| Net charge-offs to loans | 0.4115% | 3,613 |
| Credit loss provision to net charge-offs | 95.6284% | 5,319 |
| Earnings coverage of net charge-offs (x) | 2.2296% | 4,148 |
| Efficiency ratio | 83.1891% | 2,407 |
| Assets per employee ($millions) | 3.4450% | 5,062 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4809% | 3,543 |
| Loan loss allowance to noncurrent loans | 39.0519% | 5,755 |
| Noncurrent assets plus other real estate owned to assets | 4.2612% | 1,464 |
| Noncurrent loans to loans | 3.7922% | 1,961 |
| Net loans and leases to total assets | 66.8137% | 4,232 |
| Net loans and leases to deposits | 86.1373% | 3,291 |
| Net loans and leases to core deposits | 99.0277% | 4,481 |
| Total domestic deposits to total assets | 77.5666% | 6,201 |
| Equity capital to assets | 10.1619% | 3,895 |
| Core capital (leverage) ratio | 9.0377% | 4,593 |
| Tier 1 risk-based capital ratio | 12.9009% | 4,267 |
| Total risk-based capital ratio | 14.1542% | 4,198 |
| Memoranda: | ||
| Average total assets | $87,361,500 | 5,504 |
| Average earning assets | $80,907,000 | 5,461 |
| Average equity | $8,418,500 | 5,847 |
| Average total loans | $59,287,250 | 5,320 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4844% | 4,718 |
| Cost of funding earning assets | 2.2782% | 2,450 |
| Net interest margin | 3.2062% | 5,896 |
| Noninterest income to average assets | 0.6266% | 3,487 |
| Noninterest expense to average assets | 3.0784% | 3,781 |
| Loan and lease loss provision to assets | 0.2370% | 4,692 |
| Net operating income to assets | 0.3053% | 4,874 |
| Return on assets (ROA) | 0.3053% | 4,987 |
| Pretax return on assets | 0.2871% | 5,234 |
| Return on Equity (ROE) | 3.2261% | 4,810 |
| Retained earnings to average equity (ytd only) | 3.2261% | 3,522 |
| Net charge-offs to loans | 0.3021% | 3,676 |
| Credit loss provision to net charge-offs | 115.5556% | 4,004 |
| Earnings coverage of net charge-offs (x) | 2.5556% | 3,789 |
| Efficiency ratio | 85.4522% | 2,297 |
| Assets per employee ($millions) | 3.4840% | 4,854 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5057% | 3,157 |
| Loan loss allowance to noncurrent loans | 35.1984% | 6,095 |
| Noncurrent assets plus other real estate owned to assets | 4.2056% | 1,368 |
| Noncurrent loans to loans | 4.2777% | 1,539 |
| Net loans and leases to total assets | 66.6173% | 4,435 |
| Net loans and leases to deposits | 80.0262% | 4,545 |
| Net loans and leases to core deposits | 96.3885% | 4,856 |
| Total domestic deposits to total assets | 83.2444% | 4,127 |
| Equity capital to assets | 9.6453% | 4,433 |
| Core capital (leverage) ratio | 8.7737% | 4,974 |
| Tier 1 risk-based capital ratio | 12.5434% | 4,494 |
| Total risk-based capital ratio | 13.7963% | 4,407 |
| Memoranda: | ||
| Average total assets | $87,773,330 | 5,532 |
| Average earning assets | $81,467,330 | 5,488 |
| Average equity | $8,307,330 | 5,914 |
| Average total loans | $59,580,000 | 5,351 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4950% | 4,939 |
| Cost of funding earning assets | 2.3815% | 2,372 |
| Net interest margin | 3.1135% | 6,161 |
| Noninterest income to average assets | 0.6900% | 2,948 |
| Noninterest expense to average assets | 2.9645% | 3,916 |
| Loan and lease loss provision to assets | 0.2361% | 4,092 |
| Net operating income to assets | 0.3677% | 4,982 |
| Return on assets (ROA) | 0.3677% | 5,164 |
| Pretax return on assets | 0.3859% | 5,439 |
| Return on Equity (ROE) | 3.9223% | 4,967 |
| Retained earnings to average equity (ytd only) | 3.9223% | 3,709 |
| Net charge-offs to loans | 0.0801% | 4,377 |
| Credit loss provision to net charge-offs | 433.3333% | 1,213 |
| Earnings coverage of net charge-offs (x) | 11.4167% | 1,874 |
| Efficiency ratio | 82.6582% | 2,457 |
| Assets per employee ($millions) | 3.4432% | 4,964 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5486% | 2,727 |
| Loan loss allowance to noncurrent loans | 33.9153% | 6,272 |
| Noncurrent assets plus other real estate owned to assets | 4.4551% | 1,085 |
| Noncurrent loans to loans | 4.5661% | 1,248 |
| Net loans and leases to total assets | 67.4284% | 4,264 |
| Net loans and leases to deposits | 81.7242% | 4,329 |
| Net loans and leases to core deposits | 100.4239% | 4,501 |
| Total domestic deposits to total assets | 82.5072% | 4,369 |
| Equity capital to assets | 9.7060% | 4,376 |
| Core capital (leverage) ratio | 8.5197% | 5,490 |
| Tier 1 risk-based capital ratio | 12.5330% | 4,526 |
| Total risk-based capital ratio | 13.7871% | 4,443 |
| Memoranda: | ||
| Average total assets | $88,110,500 | 5,550 |
| Average earning assets | $81,966,000 | 5,489 |
| Average equity | $8,260,500 | 5,968 |
| Average total loans | $59,915,000 | 5,362 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7627% | 6,548 |
| Cost of funding earning assets | 2.7430% | 2,961 |
| Net interest margin | 3.0197% | 6,855 |
| Noninterest income to average assets | 0.5487% | 4,242 |
| Noninterest expense to average assets | 2.8307% | 4,693 |
| Loan and lease loss provision to assets | 0.4861% | 2,871 |
| Net operating income to assets | 0.0916% | 6,130 |
| Return on assets (ROA) | 0.0916% | 5,973 |
| Pretax return on assets | 0.0246% | 6,105 |
| Return on Equity (ROE) | 0.9940% | 5,919 |
| Retained earnings to average equity (ytd only) | 0.9940% | 4,632 |
| Net charge-offs to loans | 0.5559% | 2,155 |
| Credit loss provision to net charge-offs | 127.1930% | 4,196 |
| Earnings coverage of net charge-offs (x) | 1.3363% | 5,458 |
| Efficiency ratio | 84.7157% | 1,989 |
| Assets per employee ($millions) | 3.9191% | 3,683 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4341% | 3,009 |
| Loan loss allowance to noncurrent loans | 27.8025% | 6,847 |
| Noncurrent assets plus other real estate owned to assets | 3.9028% | 1,070 |
| Noncurrent loans to loans | 5.1582% | 828 |
| Net loans and leases to total assets | 66.5642% | 4,741 |
| Net loans and leases to deposits | 80.3592% | 4,984 |
| Net loans and leases to core deposits | 99.4217% | 4,880 |
| Total domestic deposits to total assets | 82.8334% | 3,839 |
| Equity capital to assets | 9.0592% | 5,288 |
| Core capital (leverage) ratio | 8.3519% | 5,849 |
| Tier 1 risk-based capital ratio | 12.1893% | 4,676 |
| Total risk-based capital ratio | 13.4421% | 4,565 |
| Memoranda: | ||
| Average total assets | $89,483,200 | 5,377 |
| Average earning assets | $82,756,800 | 5,339 |
| Average equity | $8,249,600 | 5,989 |
| Average total loans | $61,524,200 | 5,200 |