Home > Highland Falls Federal Savings and Loan Association > Performance and Condition Ratios
Highland Falls Federal Savings and Loan Association, Performance and Condition Ratios
| 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 | 3.7474% | 6,258 |
| Cost of funding earning assets | 1.2448% | 666 |
| Net interest margin | 2.5026% | 6,888 |
| Noninterest income to average assets | 0.0355% | 6,904 |
| Noninterest expense to average assets | 2.7702% | 4,133 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | -0.7966% | 6,858 |
| Return on assets (ROA) | -0.7966% | 6,882 |
| Pretax return on assets | -0.7763% | 6,842 |
| Return on Equity (ROE) | -5.2629% | 6,780 |
| Retained earnings to average equity (ytd only) | -5.2629% | 6,633 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 138.9313% | 126 |
| Assets per employee ($millions) | 6.5300% | 941 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2779% | 4,996 |
| Loan loss allowance to noncurrent loans | 18.7609% | 6,554 |
| Noncurrent assets plus other real estate owned to assets | 2.9250% | 1,891 |
| Noncurrent loans to loans | 6.8117% | 584 |
| Net loans and leases to total assets | 42.3915% | 6,166 |
| Net loans and leases to deposits | 50.7734% | 6,130 |
| Net loans and leases to core deposits | 54.8804% | 6,031 |
| Total domestic deposits to total assets | 83.4916% | 4,533 |
| Equity capital to assets | 15.0306% | 779 |
| Core capital (leverage) ratio | 15.1714% | 570 |
| Tier 1 risk-based capital ratio | 31.9747% | 439 |
| Total risk-based capital ratio | 33.1293% | 440 |
| Memoranda: | ||
| Average total assets | $39,419,670 | 6,650 |
| Average earning assets | $30,848,330 | 6,773 |
| Average equity | $5,966,330 | 6,127 |
| Average total loans | $17,790,000 | 6,658 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7242% | 6,399 |
| Cost of funding earning assets | 1.2119% | 933 |
| Net interest margin | 2.5123% | 6,948 |
| Noninterest income to average assets | 0.0303% | 7,009 |
| Noninterest expense to average assets | 2.7820% | 4,117 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -0.7587% | 6,936 |
| Return on assets (ROA) | -0.7587% | 6,954 |
| Pretax return on assets | -0.7385% | 6,910 |
| Return on Equity (ROE) | -4.9958% | 6,850 |
| Retained earnings to average equity (ytd only) | -4.9958% | 6,580 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 136.1386% | 148 |
| Assets per employee ($millions) | 6.5162% | 969 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1968% | 5,498 |
| Loan loss allowance to noncurrent loans | 19.1451% | 6,590 |
| Noncurrent assets plus other real estate owned to assets | 2.8723% | 2,028 |
| Noncurrent loans to loans | 6.2510% | 779 |
| Net loans and leases to total assets | 45.3999% | 5,855 |
| Net loans and leases to deposits | 54.4579% | 5,764 |
| Net loans and leases to core deposits | 58.7943% | 5,648 |
| Total domestic deposits to total assets | 83.3670% | 4,781 |
| Equity capital to assets | 15.2748% | 697 |
| Core capital (leverage) ratio | 15.4411% | 541 |
| Tier 1 risk-based capital ratio | 31.1346% | 484 |
| Total risk-based capital ratio | 32.2434% | 481 |
| Memoranda: | ||
| Average total assets | $39,539,500 | 6,699 |
| Average earning assets | $31,684,500 | 6,805 |
| Average equity | $6,005,000 | 6,147 |
| Average total loans | $18,273,000 | 6,695 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8781% | 6,643 |
| Cost of funding earning assets | 1.2074% | 1,980 |
| Net interest margin | 2.6707% | 6,951 |
| Noninterest income to average assets | 0.0424% | 6,864 |
| Noninterest expense to average assets | 2.7031% | 4,732 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | -0.3911% | 6,411 |
| Return on assets (ROA) | -0.3911% | 6,461 |
| Pretax return on assets | -0.3737% | 6,407 |
| Return on Equity (ROE) | -2.5366% | 6,372 |
| Retained earnings to average equity (ytd only) | -2.5366% | 6,217 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 116.0428% | 343 |
| Assets per employee ($millions) | 6.6637% | 875 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1571% | 5,591 |
| Loan loss allowance to noncurrent loans | 19.1281% | 6,638 |
| Noncurrent assets plus other real estate owned to assets | 2.8113% | 2,149 |
| Noncurrent loans to loans | 6.0492% | 814 |
| Net loans and leases to total assets | 45.9357% | 6,020 |
| Net loans and leases to deposits | 55.1134% | 5,971 |
| Net loans and leases to core deposits | 59.1650% | 5,918 |
| Total domestic deposits to total assets | 83.3475% | 4,606 |
| Equity capital to assets | 15.1018% | 754 |
| Core capital (leverage) ratio | 15.1018% | 585 |
| Tier 1 risk-based capital ratio | 32.0148% | 427 |
| Total risk-based capital ratio | 33.1548% | 418 |
| Memoranda: | ||
| Average total assets | $40,139,400 | 6,670 |
| Average earning assets | $34,372,400 | 6,739 |
| Average equity | $6,189,400 | 6,106 |
| Average total loans | $19,382,000 | 6,688 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8591% | 6,780 |
| Cost of funding earning assets | 1.1900% | 2,383 |
| Net interest margin | 2.6691% | 7,015 |
| Noninterest income to average assets | 0.0431% | 6,978 |
| Noninterest expense to average assets | 2.6415% | 4,934 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | -0.2854% | 6,469 |
| Return on assets (ROA) | -0.2854% | 6,537 |
| Pretax return on assets | -0.2688% | 6,466 |
| Return on Equity (ROE) | -1.8413% | 6,466 |
| Retained earnings to average equity (ytd only) | -1.8413% | 6,277 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 111.3287% | 405 |
| Assets per employee ($millions) | 6.8710% | 787 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1317% | 5,763 |
| Loan loss allowance to noncurrent loans | 17.0095% | 6,770 |
| Noncurrent assets plus other real estate owned to assets | 3.0660% | 2,088 |
| Noncurrent loans to loans | 6.6533% | 782 |
| Net loans and leases to total assets | 45.5611% | 6,183 |
| Net loans and leases to deposits | 54.4687% | 6,172 |
| Net loans and leases to core deposits | 57.8063% | 6,144 |
| Total domestic deposits to total assets | 83.6462% | 4,404 |
| Equity capital to assets | 14.9784% | 855 |
| Core capital (leverage) ratio | 14.9784% | 667 |
| Tier 1 risk-based capital ratio | 31.9882% | 452 |
| Total risk-based capital ratio | 33.1019% | 452 |
| Memoranda: | ||
| Average total assets | $40,178,750 | 6,720 |
| Average earning assets | $35,067,750 | 6,773 |
| Average equity | $6,227,250 | 6,136 |
| Average total loans | $19,582,250 | 6,749 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8571% | 6,861 |
| Cost of funding earning assets | 1.1666% | 2,793 |
| Net interest margin | 2.6905% | 7,042 |
| Noninterest income to average assets | 0.0452% | 7,066 |
| Noninterest expense to average assets | 2.6412% | 5,034 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | -0.1908% | 6,465 |
| Return on assets (ROA) | -0.1908% | 6,500 |
| Pretax return on assets | -0.1757% | 6,433 |
| Return on Equity (ROE) | -1.2170% | 6,430 |
| Retained earnings to average equity (ytd only) | -1.2170% | 6,096 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.1283% | 531 |
| Assets per employee ($millions) | 6.6278% | 868 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1135% | 5,904 |
| Loan loss allowance to noncurrent loans | 16.9960% | 6,808 |
| Noncurrent assets plus other real estate owned to assets | 3.1810% | 2,113 |
| Noncurrent loans to loans | 6.5513% | 840 |
| Net loans and leases to total assets | 48.0147% | 6,047 |
| Net loans and leases to deposits | 57.8431% | 5,953 |
| Net loans and leases to core deposits | 61.4765% | 5,945 |
| Total domestic deposits to total assets | 83.0085% | 4,750 |
| Equity capital to assets | 15.6487% | 667 |
| Core capital (leverage) ratio | 15.6487% | 547 |
| Tier 1 risk-based capital ratio | 32.2669% | 441 |
| Total risk-based capital ratio | 33.3817% | 440 |
| Memoranda: | ||
| Average total assets | $39,829,670 | 6,791 |
| Average earning assets | $35,829,670 | 6,805 |
| Average equity | $6,244,670 | 6,161 |
| Average total loans | $19,777,000 | 6,806 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8667% | 6,862 |
| Cost of funding earning assets | 1.1589% | 3,094 |
| Net interest margin | 2.7078% | 7,007 |
| Noninterest income to average assets | 0.0502% | 7,136 |
| Noninterest expense to average assets | 2.5890% | 5,271 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -0.1104% | 6,469 |
| Return on assets (ROA) | -0.1104% | 6,488 |
| Pretax return on assets | -0.1003% | 6,448 |
| Return on Equity (ROE) | -0.7034% | 6,451 |
| Retained earnings to average equity (ytd only) | -0.7034% | 5,928 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.0323% | 626 |
| Assets per employee ($millions) | 6.6030% | 881 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0841% | 6,109 |
| Loan loss allowance to noncurrent loans | 18.5185% | 6,814 |
| Noncurrent assets plus other real estate owned to assets | 2.9305% | 2,360 |
| Noncurrent loans to loans | 5.8542% | 1,100 |
| Net loans and leases to total assets | 49.5154% | 5,906 |
| Net loans and leases to deposits | 59.6806% | 5,755 |
| Net loans and leases to core deposits | 63.3685% | 5,794 |
| Total domestic deposits to total assets | 82.9673% | 4,946 |
| Equity capital to assets | 15.7757% | 610 |
| Core capital (leverage) ratio | 15.7757% | 542 |
| Tier 1 risk-based capital ratio | 32.2431% | 426 |
| Total risk-based capital ratio | 33.3522% | 422 |
| Memoranda: | ||
| Average total assets | $39,861,000 | 6,838 |
| Average earning assets | $35,896,000 | 6,847 |
| Average equity | $6,255,500 | 6,166 |
| Average total loans | $20,011,000 | 6,840 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9936% | 7,144 |
| Cost of funding earning assets | 1.3266% | 3,707 |
| Net interest margin | 2.6670% | 7,153 |
| Noninterest income to average assets | -2.7328% | 7,652 |
| Noninterest expense to average assets | 2.6514% | 5,210 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | -1.8885% | 7,025 |
| Return on assets (ROA) | -1.8885% | 7,040 |
| Pretax return on assets | -2.9772% | 7,288 |
| Return on Equity (ROE) | -12.1680% | 6,816 |
| Retained earnings to average equity (ytd only) | -12.1680% | 6,768 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | -813.6364% | 7,653 |
| Assets per employee ($millions) | 6.6840% | 872 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0649% | 6,092 |
| Loan loss allowance to noncurrent loans | 28.9367% | 6,350 |
| Noncurrent assets plus other real estate owned to assets | 1.8527% | 3,552 |
| Noncurrent loans to loans | 3.6800% | 2,022 |
| Net loans and leases to total assets | 49.8080% | 6,182 |
| Net loans and leases to deposits | 60.0102% | 6,057 |
| Net loans and leases to core deposits | 64.8771% | 5,990 |
| Total domestic deposits to total assets | 82.9992% | 4,794 |
| Equity capital to assets | 15.6119% | 657 |
| Core capital (leverage) ratio | 15.6119% | 558 |
| Tier 1 risk-based capital ratio | 31.9097% | 430 |
| Total risk-based capital ratio | 33.0055% | 428 |
| Memoranda: | ||
| Average total assets | $40,507,600 | 6,848 |
| Average earning assets | $36,558,400 | 6,858 |
| Average equity | $6,287,000 | 6,280 |
| Average total loans | $20,150,400 | 6,916 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0234% | 7,270 |
| Cost of funding earning assets | 1.3423% | 3,960 |
| Net interest margin | 2.6810% | 7,257 |
| Noninterest income to average assets | -3.6445% | 7,759 |
| Noninterest expense to average assets | 2.6234% | 5,232 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | -2.3935% | 7,325 |
| Return on assets (ROA) | -2.3935% | 7,339 |
| Pretax return on assets | -3.8480% | 7,550 |
| Return on Equity (ROE) | -15.4442% | 7,123 |
| Retained earnings to average equity (ytd only) | -15.4442% | 7,096 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | -214.2091% | 7,753 |
| Assets per employee ($millions) | 6.7392% | 864 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0709% | 6,066 |
| Loan loss allowance to noncurrent loans | 26.2836% | 6,563 |
| Noncurrent assets plus other real estate owned to assets | 2.0230% | 3,438 |
| Noncurrent loans to loans | 4.0743% | 1,829 |
| Net loans and leases to total assets | 49.1208% | 6,418 |
| Net loans and leases to deposits | 59.1448% | 6,374 |
| Net loans and leases to core deposits | 63.8157% | 6,315 |
| Total domestic deposits to total assets | 83.0518% | 4,574 |
| Equity capital to assets | 15.5731% | 755 |
| Core capital (leverage) ratio | 15.5731% | 626 |
| Tier 1 risk-based capital ratio | 31.9126% | 438 |
| Total risk-based capital ratio | 33.0022% | 433 |
| Memoranda: | ||
| Average total assets | $40,608,500 | 6,916 |
| Average earning assets | $36,651,500 | 6,930 |
| Average equity | $6,293,500 | 6,358 |
| Average total loans | $20,140,500 | 7,002 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0290% | 7,338 |
| Cost of funding earning assets | 1.3630% | 4,099 |
| Net interest margin | 2.6660% | 7,289 |
| Noninterest income to average assets | -5.4787% | 7,830 |
| Noninterest expense to average assets | 2.6705% | 5,033 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | -3.5558% | 7,583 |
| Return on assets (ROA) | -3.5558% | 7,588 |
| Pretax return on assets | -5.7443% | 7,716 |
| Return on Equity (ROE) | -22.9804% | 7,337 |
| Retained earnings to average equity (ytd only) | -22.9804% | 7,323 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | -86.8800% | 7,819 |
| Assets per employee ($millions) | 6.8240% | 831 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0431% | 6,218 |
| Loan loss allowance to noncurrent loans | 32.8746% | 6,178 |
| Noncurrent assets plus other real estate owned to assets | 1.5973% | 4,050 |
| Noncurrent loans to loans | 3.1729% | 2,521 |
| Net loans and leases to total assets | 49.8168% | 6,453 |
| Net loans and leases to deposits | 59.7627% | 6,433 |
| Net loans and leases to core deposits | 64.3256% | 6,377 |
| Total domestic deposits to total assets | 83.3578% | 4,406 |
| Equity capital to assets | 15.3429% | 810 |
| Core capital (leverage) ratio | 15.3429% | 661 |
| Tier 1 risk-based capital ratio | 31.1731% | 450 |
| Total risk-based capital ratio | 32.2400% | 459 |
| Memoranda: | ||
| Average total assets | $40,666,330 | 6,974 |
| Average earning assets | $36,684,330 | 6,977 |
| Average equity | $6,292,330 | 6,376 |
| Average total loans | $20,161,670 | 7,058 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9879% | 7,467 |
| Cost of funding earning assets | 1.3804% | 4,305 |
| Net interest margin | 2.6075% | 7,384 |
| Noninterest income to average assets | 0.0592% | 7,417 |
| Noninterest expense to average assets | 2.6352% | 5,207 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | -0.2369% | 6,586 |
| Return on assets (ROA) | -0.2369% | 6,656 |
| Pretax return on assets | -0.2270% | 6,579 |
| Return on Equity (ROE) | -1.5244% | 6,581 |
| Retained earnings to average equity (ytd only) | -1.5244% | 6,129 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.4262% | 616 |
| Assets per employee ($millions) | 5.7601% | 1,441 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0855% | 6,075 |
| Loan loss allowance to noncurrent loans | 57.7957% | 4,486 |
| Noncurrent assets plus other real estate owned to assets | 0.9226% | 5,303 |
| Noncurrent loans to loans | 1.8782% | 3,956 |
| Net loans and leases to total assets | 48.5876% | 6,617 |
| Net loans and leases to deposits | 58.3969% | 6,600 |
| Net loans and leases to core deposits | 62.8642% | 6,537 |
| Total domestic deposits to total assets | 83.2023% | 4,524 |
| Equity capital to assets | 15.5849% | 751 |
| Core capital (leverage) ratio | 15.5849% | 643 |
| Tier 1 risk-based capital ratio | 30.0756% | 524 |
| Total risk-based capital ratio | 31.1046% | 516 |
| Memoranda: | ||
| Average total assets | $40,527,500 | 7,070 |
| Average earning assets | $36,510,000 | 7,080 |
| Average equity | $6,297,500 | 6,416 |
| Average total loans | $19,936,500 | 7,155 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3803% | 7,497 |
| Cost of funding earning assets | 1.7135% | 4,438 |
| Net interest margin | 2.6668% | 7,254 |
| Noninterest income to average assets | 0.0429% | 7,528 |
| Noninterest expense to average assets | 2.6317% | 5,663 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | -0.1462% | 5,760 |
| Return on assets (ROA) | -0.1462% | 5,756 |
| Pretax return on assets | -0.1840% | 5,685 |
| Return on Equity (ROE) | -0.9173% | 5,687 |
| Retained earnings to average equity (ytd only) | -0.9173% | 5,230 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.5180% | 853 |
| Assets per employee ($millions) | 5.8191% | 1,372 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0714% | 6,035 |
| Loan loss allowance to noncurrent loans | 58.7432% | 4,470 |
| Noncurrent assets plus other real estate owned to assets | 0.8985% | 5,303 |
| Noncurrent loans to loans | 1.8239% | 3,893 |
| Net loans and leases to total assets | 48.7357% | 6,756 |
| Net loans and leases to deposits | 58.5743% | 6,743 |
| Net loans and leases to core deposits | 71.1159% | 6,704 |
| Total domestic deposits to total assets | 83.2032% | 4,423 |
| Equity capital to assets | 15.4932% | 792 |
| Core capital (leverage) ratio | 15.4932% | 693 |
| Tier 1 risk-based capital ratio | 29.9767% | 526 |
| Total risk-based capital ratio | 30.9980% | 522 |
| Memoranda: | ||
| Average total assets | $39,669,800 | 7,109 |
| Average earning assets | $35,773,800 | 7,109 |
| Average equity | $6,323,200 | 6,489 |
| Average total loans | $19,987,200 | 7,191 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4753% | 7,535 |
| Cost of funding earning assets | 1.7751% | 4,504 |
| Net interest margin | 2.7002% | 7,204 |
| Noninterest income to average assets | 0.0305% | 7,730 |
| Noninterest expense to average assets | 2.5953% | 5,725 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | -0.1320% | 5,949 |
| Return on assets (ROA) | -0.1320% | 5,976 |
| Pretax return on assets | -0.1252% | 5,876 |
| Return on Equity (ROE) | -0.8220% | 5,905 |
| Retained earnings to average equity (ytd only) | -0.8220% | 5,445 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.0685% | 883 |
| Assets per employee ($millions) | 5.6530% | 1,472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0742% | 5,869 |
| Loan loss allowance to noncurrent loans | 127.9762% | 2,216 |
| Noncurrent assets plus other real estate owned to assets | 0.4246% | 6,392 |
| Noncurrent loans to loans | 0.8394% | 5,618 |
| Net loans and leases to total assets | 50.0366% | 6,778 |
| Net loans and leases to deposits | 60.5597% | 6,781 |
| Net loans and leases to core deposits | 73.9579% | 6,729 |
| Total domestic deposits to total assets | 82.6236% | 4,389 |
| Equity capital to assets | 15.9966% | 792 |
| Core capital (leverage) ratio | 15.9966% | 676 |
| Tier 1 risk-based capital ratio | 31.2762% | 503 |
| Total risk-based capital ratio | 32.3386% | 499 |
| Memoranda: | ||
| Average total assets | $39,403,750 | 7,180 |
| Average earning assets | $35,601,500 | 7,183 |
| Average equity | $6,326,250 | 6,545 |
| Average total loans | $19,967,250 | 7,259 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5556% | 7,580 |
| Cost of funding earning assets | 1.8290% | 4,610 |
| Net interest margin | 2.7266% | 7,148 |
| Noninterest income to average assets | 0.0305% | 7,835 |
| Noninterest expense to average assets | 2.6024% | 5,732 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | -0.1169% | 6,041 |
| Return on assets (ROA) | -0.1169% | 6,076 |
| Pretax return on assets | -0.1169% | 6,015 |
| Return on Equity (ROE) | -0.7273% | 6,033 |
| Retained earnings to average equity (ytd only) | -0.7273% | 5,406 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.7035% | 1,008 |
| Assets per employee ($millions) | 5.6576% | 1,441 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1059% | 5,563 |
| Loan loss allowance to noncurrent loans | 1,791.6667% | 211 |
| Noncurrent assets plus other real estate owned to assets | 0.0303% | 7,541 |
| Noncurrent loans to loans | 0.0617% | 7,371 |
| Net loans and leases to total assets | 48.5468% | 6,988 |
| Net loans and leases to deposits | 58.5480% | 6,985 |
| Net loans and leases to core deposits | 70.0911% | 7,013 |
| Total domestic deposits to total assets | 82.9180% | 4,282 |
| Equity capital to assets | 15.8069% | 864 |
| Core capital (leverage) ratio | 15.8069% | 769 |
| Tier 1 risk-based capital ratio | 31.2734% | 524 |
| Total risk-based capital ratio | 32.3475% | 524 |
| Memoranda: | ||
| Average total assets | $39,348,000 | 7,237 |
| Average earning assets | $35,429,000 | 7,243 |
| Average equity | $6,325,000 | 6,602 |
| Average total loans | $19,951,330 | 7,327 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6479% | 7,575 |
| Cost of funding earning assets | 1.8864% | 4,706 |
| Net interest margin | 2.7614% | 7,070 |
| Noninterest income to average assets | 0.0306% | 7,925 |
| Noninterest expense to average assets | 2.6211% | 5,369 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | -0.1122% | 6,430 |
| Return on assets (ROA) | -0.1122% | 6,539 |
| Pretax return on assets | -0.1122% | 6,488 |
| Return on Equity (ROE) | -0.6921% | 6,494 |
| Retained earnings to average equity (ytd only) | -0.6921% | 5,812 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.4715% | 968 |
| Assets per employee ($millions) | 5.7030% | 1,398 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0767% | 5,638 |
| Loan loss allowance to noncurrent loans | 1,264.7059% | 337 |
| Noncurrent assets plus other real estate owned to assets | 0.0426% | 7,480 |
| Noncurrent loans to loans | 0.0851% | 7,282 |
| Net loans and leases to total assets | 49.4802% | 6,903 |
| Net loans and leases to deposits | 59.6930% | 6,920 |
| Net loans and leases to core deposits | 71.2410% | 6,950 |
| Total domestic deposits to total assets | 82.8912% | 4,198 |
| Equity capital to assets | 15.9114% | 885 |
| Core capital (leverage) ratio | 15.9114% | 795 |
| Tier 1 risk-based capital ratio | 31.3834% | 564 |
| Total risk-based capital ratio | 32.4457% | 562 |
| Memoranda: | ||
| Average total assets | $39,220,500 | 7,287 |
| Average earning assets | $35,199,000 | 7,297 |
| Average equity | $6,357,500 | 6,635 |
| Average total loans | $20,206,500 | 7,351 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0627% | 7,795 |
| Cost of funding earning assets | 2.3644% | 4,876 |
| Net interest margin | 2.6983% | 7,499 |
| Noninterest income to average assets | 0.0100% | 8,067 |
| Noninterest expense to average assets | 2.5503% | 5,828 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | -0.0524% | 6,446 |
| Return on assets (ROA) | -0.0524% | 6,295 |
| Pretax return on assets | -0.0424% | 6,203 |
| Return on Equity (ROE) | -0.3013% | 6,269 |
| Retained earnings to average equity (ytd only) | -0.3013% | 5,378 |
| Net charge-offs to loans | 0.0987% | 5,332 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | -0.8500% | 6,567 |
| Efficiency ratio | 101.6899% | 922 |
| Assets per employee ($millions) | 5.5029% | 1,456 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0516% | 5,610 |
| Loan loss allowance to noncurrent loans | 1,264.7059% | 423 |
| Noncurrent assets plus other real estate owned to assets | 0.0441% | 7,409 |
| Noncurrent loans to loans | 0.0831% | 7,173 |
| Net loans and leases to total assets | 52.5182% | 6,802 |
| Net loans and leases to deposits | 63.9643% | 6,798 |
| Net loans and leases to core deposits | 76.6114% | 6,827 |
| Total domestic deposits to total assets | 82.1054% | 4,158 |
| Equity capital to assets | 16.5187% | 836 |
| Core capital (leverage) ratio | 16.5187% | 759 |
| Tier 1 risk-based capital ratio | 31.6347% | 564 |
| Total risk-based capital ratio | 32.7036% | 565 |
| Memoranda: | ||
| Average total assets | $40,112,200 | 7,207 |
| Average earning assets | $37,134,200 | 7,185 |
| Average equity | $6,969,000 | 6,467 |
| Average total loans | $20,267,200 | 7,317 |