Home > Fullerton Federal Savings Association > Performance and Condition Ratios
Fullerton Federal Savings Association, 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 | 2.8210% | 7,301 |
| Cost of funding earning assets | 1.2860% | 1,781 |
| Net interest margin | 1.5349% | 7,361 |
| Noninterest income to average assets | 1.4759% | 601 |
| Noninterest expense to average assets | 4.6387% | 506 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | -2.0482% | 7,143 |
| Return on assets (ROA) | -2.0482% | 7,156 |
| Pretax return on assets | -2.0482% | 7,135 |
| Return on Equity (ROE) | -16.3287% | 7,039 |
| Retained earnings to average equity (ytd only) | -16.3287% | 7,017 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 179.0698% | 76 |
| Assets per employee ($millions) | 4.2625% | 3,348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9677% | 2,425 |
| Loan loss allowance to noncurrent loans | 13.4048% | 6,846 |
| Noncurrent assets plus other real estate owned to assets | 4.3754% | 1,377 |
| Noncurrent loans to loans | 14.6793% | 148 |
| Net loans and leases to total assets | 29.2199% | 7,108 |
| Net loans and leases to deposits | 33.3289% | 7,151 |
| Net loans and leases to core deposits | 34.4966% | 7,155 |
| Total domestic deposits to total assets | 87.6716% | 2,253 |
| Equity capital to assets | 12.0704% | 2,200 |
| Core capital (leverage) ratio | 8.2834% | 6,000 |
| Tier 1 risk-based capital ratio | 20.1069% | 1,660 |
| Total risk-based capital ratio | 21.3543% | 1,629 |
| Memoranda: | ||
| Average total assets | $8,853,000 | 7,423 |
| Average earning assets | $6,427,750 | 7,415 |
| Average equity | $1,110,500 | 7,400 |
| Average total loans | $2,695,000 | 7,381 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7756% | 7,392 |
| Cost of funding earning assets | 1.2697% | 2,121 |
| Net interest margin | 1.5059% | 7,443 |
| Noninterest income to average assets | 2.4994% | 271 |
| Noninterest expense to average assets | 4.3069% | 742 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | -0.6695% | 6,800 |
| Return on assets (ROA) | -0.6695% | 6,805 |
| Pretax return on assets | -0.6695% | 6,749 |
| Return on Equity (ROE) | -5.2739% | 6,730 |
| Retained earnings to average equity (ytd only) | -5.2739% | 6,587 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 118.4049% | 357 |
| Assets per employee ($millions) | 4.4660% | 2,896 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9004% | 2,666 |
| Loan loss allowance to noncurrent loans | 13.2275% | 6,898 |
| Noncurrent assets plus other real estate owned to assets | 4.2320% | 1,500 |
| Noncurrent loans to loans | 14.3672% | 151 |
| Net loans and leases to total assets | 28.8961% | 7,215 |
| Net loans and leases to deposits | 33.3032% | 7,238 |
| Net loans and leases to core deposits | 34.4225% | 7,252 |
| Total domestic deposits to total assets | 86.7667% | 2,876 |
| Equity capital to assets | 12.6176% | 1,726 |
| Core capital (leverage) ratio | 8.9159% | 4,852 |
| Tier 1 risk-based capital ratio | 21.9856% | 1,260 |
| Total risk-based capital ratio | 23.2230% | 1,232 |
| Memoranda: | ||
| Average total assets | $8,962,330 | 7,496 |
| Average earning assets | $6,773,330 | 7,490 |
| Average equity | $1,137,670 | 7,472 |
| Average total loans | $2,746,330 | 7,456 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8394% | 7,436 |
| Cost of funding earning assets | 1.2249% | 2,654 |
| Net interest margin | 1.6146% | 7,489 |
| Noninterest income to average assets | 3.0744% | 215 |
| Noninterest expense to average assets | 4.2774% | 741 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.0891% | 6,125 |
| Return on assets (ROA) | 0.0891% | 6,175 |
| Pretax return on assets | 0.0891% | 6,196 |
| Return on Equity (ROE) | 0.6999% | 6,215 |
| Retained earnings to average equity (ytd only) | 0.6999% | 5,545 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.9592% | 833 |
| Assets per employee ($millions) | 4.4875% | 2,911 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8335% | 2,910 |
| Loan loss allowance to noncurrent loans | 34.0136% | 6,021 |
| Noncurrent assets plus other real estate owned to assets | 1.6379% | 3,796 |
| Noncurrent loans to loans | 5.3905% | 1,215 |
| Net loans and leases to total assets | 29.8273% | 7,235 |
| Net loans and leases to deposits | 34.5152% | 7,263 |
| Net loans and leases to core deposits | 35.6743% | 7,272 |
| Total domestic deposits to total assets | 86.4178% | 3,278 |
| Equity capital to assets | 12.7465% | 1,501 |
| Core capital (leverage) ratio | 8.5270% | 5,395 |
| Tier 1 risk-based capital ratio | 21.4202% | 1,322 |
| Total risk-based capital ratio | 22.6819% | 1,297 |
| Memoranda: | ||
| Average total assets | $8,977,500 | 7,553 |
| Average earning assets | $7,184,500 | 7,549 |
| Average equity | $1,143,000 | 7,527 |
| Average total loans | $2,804,000 | 7,512 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2502% | 7,456 |
| Cost of funding earning assets | 1.5042% | 2,615 |
| Net interest margin | 1.7460% | 7,510 |
| Noninterest income to average assets | 0.2398% | 6,084 |
| Noninterest expense to average assets | 3.8691% | 1,365 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | -2.1863% | 7,103 |
| Return on assets (ROA) | -1.7547% | 7,006 |
| Pretax return on assets | -1.7765% | 6,947 |
| Return on Equity (ROE) | -12.8697% | 6,837 |
| Retained earnings to average equity (ytd only) | -12.8697% | 6,791 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 233.5526% | 61 |
| Assets per employee ($millions) | 4.4900% | 2,893 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7355% | 3,086 |
| Loan loss allowance to noncurrent loans | 32.8947% | 6,126 |
| Noncurrent assets plus other real estate owned to assets | 1.6927% | 3,759 |
| Noncurrent loans to loans | 5.2759% | 1,259 |
| Net loans and leases to total assets | 31.5256% | 7,301 |
| Net loans and leases to deposits | 36.4350% | 7,337 |
| Net loans and leases to core deposits | 37.6513% | 7,359 |
| Total domestic deposits to total assets | 86.5256% | 3,065 |
| Equity capital to assets | 12.7171% | 1,521 |
| Core capital (leverage) ratio | 7.6252% | 6,600 |
| Tier 1 risk-based capital ratio | 18.2872% | 1,911 |
| Total risk-based capital ratio | 19.5308% | 1,868 |
| Memoranda: | ||
| Average total assets | $9,175,200 | 7,633 |
| Average earning assets | $7,445,800 | 7,628 |
| Average equity | $1,251,000 | 7,612 |
| Average total loans | $3,058,000 | 7,594 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3370% | 7,574 |
| Cost of funding earning assets | 1.5620% | 2,596 |
| Net interest margin | 1.7750% | 7,629 |
| Noninterest income to average assets | 0.2602% | 6,038 |
| Noninterest expense to average assets | 3.7727% | 1,425 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | -2.0468% | 7,250 |
| Return on assets (ROA) | -1.4744% | 7,117 |
| Pretax return on assets | -1.4888% | 7,040 |
| Return on Equity (ROE) | -10.6395% | 6,956 |
| Retained earnings to average equity (ytd only) | -10.6395% | 6,911 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 221.1864% | 63 |
| Assets per employee ($millions) | 4.5560% | 2,828 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6807% | 3,215 |
| Loan loss allowance to noncurrent loans | 32.4675% | 6,169 |
| Noncurrent assets plus other real estate owned to assets | 1.6901% | 3,907 |
| Noncurrent loans to loans | 5.1765% | 1,320 |
| Net loans and leases to total assets | 32.1005% | 7,405 |
| Net loans and leases to deposits | 37.3420% | 7,442 |
| Net loans and leases to core deposits | 37.3420% | 7,477 |
| Total domestic deposits to total assets | 85.9636% | 3,093 |
| Equity capital to assets | 13.3121% | 1,443 |
| Core capital (leverage) ratio | 8.1618% | 6,096 |
| Tier 1 risk-based capital ratio | 19.8698% | 1,574 |
| Total risk-based capital ratio | 21.1152% | 1,543 |
| Memoranda: | ||
| Average total assets | $9,224,000 | 7,732 |
| Average earning assets | $7,511,500 | 7,729 |
| Average equity | $1,278,250 | 7,706 |
| Average total loans | $3,102,250 | 7,692 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4717% | 7,617 |
| Cost of funding earning assets | 1.5901% | 2,712 |
| Net interest margin | 1.8816% | 7,677 |
| Noninterest income to average assets | 0.2807% | 5,902 |
| Noninterest expense to average assets | 3.8223% | 1,324 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | -1.9695% | 7,296 |
| Return on assets (ROA) | -1.1229% | 7,011 |
| Pretax return on assets | -1.1445% | 6,950 |
| Return on Equity (ROE) | -8.0000% | 6,890 |
| Retained earnings to average equity (ytd only) | -8.0000% | 6,815 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 210.7143% | 88 |
| Assets per employee ($millions) | 4.6885% | 2,600 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5813% | 3,531 |
| Loan loss allowance to noncurrent loans | 31.6456% | 6,261 |
| Noncurrent assets plus other real estate owned to assets | 1.6850% | 3,913 |
| Noncurrent loans to loans | 4.9968% | 1,378 |
| Net loans and leases to total assets | 33.1876% | 7,445 |
| Net loans and leases to deposits | 38.6152% | 7,478 |
| Net loans and leases to core deposits | 38.6152% | 7,521 |
| Total domestic deposits to total assets | 85.9443% | 3,122 |
| Equity capital to assets | 13.4691% | 1,356 |
| Core capital (leverage) ratio | 8.4509% | 5,492 |
| Tier 1 risk-based capital ratio | 20.6052% | 1,406 |
| Total risk-based capital ratio | 21.8432% | 1,379 |
| Memoranda: | ||
| Average total assets | $9,261,330 | 7,800 |
| Average earning assets | $7,546,670 | 7,797 |
| Average equity | $1,300,000 | 7,770 |
| Average total loans | $3,144,670 | 7,758 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0371% | 7,428 |
| Cost of funding earning assets | 1.6687% | 2,547 |
| Net interest margin | 2.3685% | 7,552 |
| Noninterest income to average assets | 0.3912% | 4,993 |
| Noninterest expense to average assets | 3.8246% | 1,291 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | -1.4342% | 7,308 |
| Return on assets (ROA) | 0.3042% | 5,411 |
| Pretax return on assets | 0.2173% | 5,827 |
| Return on Equity (ROE) | 2.1236% | 5,718 |
| Retained earnings to average equity (ytd only) | 2.1236% | 4,862 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 166.0377% | 159 |
| Assets per employee ($millions) | 4.6825% | 2,672 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5281% | 3,760 |
| Loan loss allowance to noncurrent loans | 30.8642% | 6,351 |
| Noncurrent assets plus other real estate owned to assets | 1.7298% | 3,883 |
| Noncurrent loans to loans | 4.9511% | 1,469 |
| Net loans and leases to total assets | 34.4047% | 7,481 |
| Net loans and leases to deposits | 40.3456% | 7,511 |
| Net loans and leases to core deposits | 40.3456% | 7,568 |
| Total domestic deposits to total assets | 85.2750% | 3,522 |
| Equity capital to assets | 14.1164% | 1,108 |
| Core capital (leverage) ratio | 9.0775% | 4,421 |
| Tier 1 risk-based capital ratio | 21.8801% | 1,212 |
| Total risk-based capital ratio | 23.1335% | 1,204 |
| Memoranda: | ||
| Average total assets | $9,203,500 | 7,902 |
| Average earning assets | $7,431,000 | 7,899 |
| Average equity | $1,318,500 | 7,855 |
| Average total loans | $3,136,000 | 7,862 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9756% | 7,706 |
| Cost of funding earning assets | 2.0140% | 2,897 |
| Net interest margin | 1.9617% | 7,758 |
| Noninterest income to average assets | 0.4115% | 5,112 |
| Noninterest expense to average assets | 3.6823% | 1,948 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | -1.6029% | 6,907 |
| Return on assets (ROA) | -1.6029% | 6,912 |
| Pretax return on assets | -1.6462% | 6,782 |
| Return on Equity (ROE) | -10.6261% | 6,664 |
| Retained earnings to average equity (ytd only) | -10.6261% | 6,562 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 180.8511% | 182 |
| Assets per employee ($millions) | 4.5210% | 2,884 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6667% | 3,020 |
| Loan loss allowance to noncurrent loans | 28.9017% | 6,553 |
| Noncurrent assets plus other real estate owned to assets | 1.9133% | 3,510 |
| Noncurrent loans to loans | 5.7667% | 1,102 |
| Net loans and leases to total assets | 32.6255% | 7,641 |
| Net loans and leases to deposits | 38.4766% | 7,664 |
| Net loans and leases to core deposits | 46.3691% | 7,658 |
| Total domestic deposits to total assets | 84.7932% | 3,657 |
| Equity capital to assets | 14.5432% | 1,012 |
| Core capital (leverage) ratio | 9.2969% | 3,980 |
| Tier 1 risk-based capital ratio | 22.4045% | 1,108 |
| Total risk-based capital ratio | 23.6492% | 1,085 |
| Memoranda: | ||
| Average total assets | $9,233,400 | 7,975 |
| Average earning assets | $7,646,600 | 7,975 |
| Average equity | $1,392,800 | 7,941 |
| Average total loans | $3,314,600 | 7,935 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0311% | 7,793 |
| Cost of funding earning assets | 2.0588% | 3,076 |
| Net interest margin | 1.9724% | 7,829 |
| Noninterest income to average assets | 0.4597% | 4,823 |
| Noninterest expense to average assets | 3.5483% | 2,149 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | -1.4940% | 7,110 |
| Return on assets (ROA) | -1.4940% | 7,110 |
| Pretax return on assets | -1.4509% | 6,935 |
| Return on Equity (ROE) | -9.8184% | 6,884 |
| Retained earnings to average equity (ytd only) | -9.8184% | 6,790 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 169.1781% | 242 |
| Assets per employee ($millions) | 4.5070% | 2,850 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6420% | 2,841 |
| Loan loss allowance to noncurrent loans | 28.7356% | 6,551 |
| Noncurrent assets plus other real estate owned to assets | 1.9303% | 3,456 |
| Noncurrent loans to loans | 5.7143% | 1,078 |
| Net loans and leases to total assets | 33.2261% | 7,709 |
| Net loans and leases to deposits | 39.5015% | 7,744 |
| Net loans and leases to core deposits | 47.4794% | 7,743 |
| Total domestic deposits to total assets | 84.1136% | 3,669 |
| Equity capital to assets | 15.0765% | 984 |
| Core capital (leverage) ratio | 9.8139% | 3,503 |
| Tier 1 risk-based capital ratio | 23.7052% | 1,034 |
| Total risk-based capital ratio | 24.9573% | 1,008 |
| Memoranda: | ||
| Average total assets | $9,281,250 | 8,061 |
| Average earning assets | $7,706,500 | 8,060 |
| Average equity | $1,412,250 | 8,024 |
| Average total loans | $3,393,250 | 8,016 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0818% | 7,880 |
| Cost of funding earning assets | 2.0794% | 3,370 |
| Net interest margin | 2.0024% | 7,865 |
| Noninterest income to average assets | 0.4909% | 4,524 |
| Noninterest expense to average assets | 3.5431% | 2,213 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | -1.4514% | 7,221 |
| Return on assets (ROA) | -1.4514% | 7,227 |
| Pretax return on assets | -1.3874% | 7,027 |
| Return on Equity (ROE) | -9.5105% | 6,996 |
| Retained earnings to average equity (ytd only) | -9.5105% | 6,820 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 164.3564% | 305 |
| Assets per employee ($millions) | 4.7055% | 2,457 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4899% | 3,251 |
| Loan loss allowance to noncurrent loans | 28.7356% | 6,583 |
| Noncurrent assets plus other real estate owned to assets | 1.8489% | 3,401 |
| Noncurrent loans to loans | 5.1847% | 1,158 |
| Net loans and leases to total assets | 35.1291% | 7,738 |
| Net loans and leases to deposits | 41.5901% | 7,770 |
| Net loans and leases to core deposits | 49.4540% | 7,770 |
| Total domestic deposits to total assets | 84.4650% | 3,517 |
| Equity capital to assets | 14.8231% | 1,077 |
| Core capital (leverage) ratio | 9.8008% | 3,520 |
| Tier 1 risk-based capital ratio | 23.7978% | 1,061 |
| Total risk-based capital ratio | 25.0546% | 1,037 |
| Memoranda: | ||
| Average total assets | $9,370,330 | 8,155 |
| Average earning assets | $7,790,670 | 8,150 |
| Average equity | $1,430,000 | 8,106 |
| Average total loans | $3,509,330 | 8,100 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1753% | 7,917 |
| Cost of funding earning assets | 2.1649% | 3,345 |
| Net interest margin | 2.0103% | 7,890 |
| Noninterest income to average assets | 0.4706% | 4,588 |
| Noninterest expense to average assets | 3.3797% | 2,418 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | -1.3262% | 7,429 |
| Return on assets (ROA) | -1.3262% | 7,442 |
| Pretax return on assets | -1.2406% | 7,272 |
| Return on Equity (ROE) | -8.5665% | 7,274 |
| Retained earnings to average equity (ytd only) | -8.5665% | 6,967 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 158.0000% | 317 |
| Assets per employee ($millions) | 4.6480% | 2,512 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4556% | 3,202 |
| Loan loss allowance to noncurrent loans | 28.4091% | 6,658 |
| Noncurrent assets plus other real estate owned to assets | 1.8933% | 3,070 |
| Noncurrent loans to loans | 5.1237% | 1,059 |
| Net loans and leases to total assets | 36.4135% | 7,716 |
| Net loans and leases to deposits | 43.3308% | 7,748 |
| Net loans and leases to core deposits | 52.5295% | 7,716 |
| Total domestic deposits to total assets | 84.0361% | 3,686 |
| Equity capital to assets | 15.4045% | 985 |
| Core capital (leverage) ratio | 10.3818% | 3,044 |
| Tier 1 risk-based capital ratio | 24.5553% | 1,017 |
| Total risk-based capital ratio | 25.7951% | 1,001 |
| Memoranda: | ||
| Average total assets | $9,350,000 | 8,204 |
| Average earning assets | $7,760,000 | 8,199 |
| Average equity | $1,447,500 | 8,161 |
| Average total loans | $3,586,000 | 8,152 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4694% | 8,039 |
| Cost of funding earning assets | 2.6166% | 3,598 |
| Net interest margin | 1.8529% | 8,120 |
| Noninterest income to average assets | 1.7293% | 456 |
| Noninterest expense to average assets | 3.4377% | 2,559 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | -0.1258% | 6,529 |
| Return on assets (ROA) | -0.1258% | 6,381 |
| Pretax return on assets | -0.1572% | 6,331 |
| Return on Equity (ROE) | -0.8151% | 6,340 |
| Retained earnings to average equity (ytd only) | -0.8151% | 5,546 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.7923% | 845 |
| Assets per employee ($millions) | 4.7020% | 2,322 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3380% | 3,542 |
| Loan loss allowance to noncurrent loans | 28.4091% | 6,805 |
| Noncurrent assets plus other real estate owned to assets | 1.8715% | 2,631 |
| Noncurrent loans to loans | 4.7097% | 985 |
| Net loans and leases to total assets | 39.2067% | 7,708 |
| Net loans and leases to deposits | 46.7834% | 7,760 |
| Net loans and leases to core deposits | 56.5144% | 7,721 |
| Total domestic deposits to total assets | 83.8048% | 3,426 |
| Equity capital to assets | 15.5572% | 1,037 |
| Core capital (leverage) ratio | 10.3320% | 3,140 |
| Tier 1 risk-based capital ratio | 24.0789% | 1,080 |
| Total risk-based capital ratio | 25.3158% | 1,058 |
| Memoranda: | ||
| Average total assets | $9,541,200 | 8,254 |
| Average earning assets | $7,987,600 | 8,251 |
| Average equity | $1,472,200 | 8,223 |
| Average total loans | $3,798,200 | 8,198 |