Home > Hull Federal Savings Bank > Performance and Condition Ratios
Hull Federal Savings Bank, Performance and Condition Ratios
| 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 | 5.2916% | 1,030 |
| Cost of funding earning assets | 0.9531% | 1,841 |
| Net interest margin | 4.3385% | 1,380 |
| Noninterest income to average assets | 0.0693% | 6,738 |
| Noninterest expense to average assets | 2.2545% | 5,810 |
| Loan and lease loss provision to assets | -0.3944% | 7,136 |
| Net operating income to assets | 2.3397% | 232 |
| Return on assets (ROA) | 2.3397% | 250 |
| Pretax return on assets | 2.1639% | 512 |
| Return on Equity (ROE) | 26.0229% | 124 |
| Retained earnings to average equity (ytd only) | 26.0229% | 47 |
| Net charge-offs to loans | 9.4600% | 8 |
| Credit loss provision to net charge-offs | -5.2744% | 6,089 |
| Earnings coverage of net charge-offs (x) | 0.2366% | 5,209 |
| Efficiency ratio | 56.0265% | 6,057 |
| Assets per employee ($millions) | 8.2177% | 440 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4328% | 1,298 |
| Loan loss allowance to noncurrent loans | 35.6366% | 5,862 |
| Noncurrent assets plus other real estate owned to assets | 6.0520% | 658 |
| Noncurrent loans to loans | 6.8267% | 547 |
| Net loans and leases to total assets | 74.6684% | 1,151 |
| Net loans and leases to deposits | 82.8331% | 2,014 |
| Net loans and leases to core deposits | 82.8331% | 2,855 |
| Total domestic deposits to total assets | 90.1432% | 772 |
| Equity capital to assets | 9.8244% | 4,746 |
| Core capital (leverage) ratio | 9.8244% | 3,784 |
| Tier 1 risk-based capital ratio | 19.1115% | 1,977 |
| Total risk-based capital ratio | 20.3898% | 1,939 |
| Memoranda: | ||
| Average total assets | $25,016,500 | 6,954 |
| Average earning assets | $22,803,000 | 6,931 |
| Average equity | $2,249,250 | 7,011 |
| Average total loans | $19,774,000 | 6,523 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4202% | 836 |
| Cost of funding earning assets | 0.9498% | 2,067 |
| Net interest margin | 4.4704% | 1,045 |
| Noninterest income to average assets | 0.0875% | 6,725 |
| Noninterest expense to average assets | 2.0925% | 6,243 |
| Loan and lease loss provision to assets | -2.1163% | 7,241 |
| Net operating income to assets | 4.1690% | 61 |
| Return on assets (ROA) | 4.1690% | 61 |
| Pretax return on assets | 4.1929% | 75 |
| Return on Equity (ROE) | 47.8174% | 25 |
| Retained earnings to average equity (ytd only) | 47.8174% | 16 |
| Net charge-offs to loans | 12.3030% | 2 |
| Credit loss provision to net charge-offs | -21.5385% | 5,946 |
| Earnings coverage of net charge-offs (x) | 0.2113% | 4,966 |
| Efficiency ratio | 50.1908% | 6,632 |
| Assets per employee ($millions) | 8.4090% | 390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2400% | 1,691 |
| Loan loss allowance to noncurrent loans | 33.6427% | 5,988 |
| Noncurrent assets plus other real estate owned to assets | 5.9341% | 721 |
| Noncurrent loans to loans | 6.6581% | 612 |
| Net loans and leases to total assets | 75.2567% | 1,066 |
| Net loans and leases to deposits | 83.6159% | 1,906 |
| Net loans and leases to core deposits | 83.6159% | 2,742 |
| Total domestic deposits to total assets | 90.0028% | 921 |
| Equity capital to assets | 9.9378% | 4,440 |
| Core capital (leverage) ratio | 9.9378% | 3,504 |
| Tier 1 risk-based capital ratio | 19.7635% | 1,772 |
| Total risk-based capital ratio | 21.0406% | 1,730 |
| Memoranda: | ||
| Average total assets | $25,137,670 | 7,007 |
| Average earning assets | $22,951,000 | 6,987 |
| Average equity | $2,191,670 | 7,067 |
| Average total loans | $20,076,330 | 6,562 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7143% | 503 |
| Cost of funding earning assets | 0.9582% | 2,246 |
| Net interest margin | 4.7561% | 619 |
| Noninterest income to average assets | 0.0638% | 6,879 |
| Noninterest expense to average assets | 2.3911% | 5,501 |
| Loan and lease loss provision to assets | -1.3390% | 7,292 |
| Net operating income to assets | 1.6260% | 823 |
| Return on assets (ROA) | 1.6260% | 920 |
| Pretax return on assets | 3.3635% | 130 |
| Return on Equity (ROE) | 20.0590% | 384 |
| Retained earnings to average equity (ytd only) | 20.0590% | 188 |
| Net charge-offs to loans | 24.0731% | 2 |
| Credit loss provision to net charge-offs | -6.8404% | 5,345 |
| Earnings coverage of net charge-offs (x) | 0.1034% | 4,317 |
| Efficiency ratio | 54.1516% | 6,331 |
| Assets per employee ($millions) | 8.3007% | 425 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1649% | 709 |
| Loan loss allowance to noncurrent loans | 36.1320% | 5,845 |
| Noncurrent assets plus other real estate owned to assets | 8.1238% | 463 |
| Noncurrent loans to loans | 8.7594% | 404 |
| Net loans and leases to total assets | 76.6685% | 732 |
| Net loans and leases to deposits | 83.7258% | 1,698 |
| Net loans and leases to core deposits | 83.7258% | 2,579 |
| Total domestic deposits to total assets | 91.5710% | 358 |
| Equity capital to assets | 8.3728% | 6,202 |
| Core capital (leverage) ratio | 8.3728% | 5,769 |
| Tier 1 risk-based capital ratio | 16.3209% | 3,007 |
| Total risk-based capital ratio | 17.6125% | 2,936 |
| Memoranda: | ||
| Average total assets | $25,093,000 | 7,073 |
| Average earning assets | $22,960,000 | 7,046 |
| Average equity | $2,034,000 | 7,142 |
| Average total loans | $20,404,500 | 6,594 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4664% | 1,252 |
| Cost of funding earning assets | 1.3787% | 1,128 |
| Net interest margin | 4.0877% | 2,485 |
| Noninterest income to average assets | 0.0227% | 6,928 |
| Noninterest expense to average assets | 1.9021% | 6,826 |
| Loan and lease loss provision to assets | 4.8007% | 25 |
| Net operating income to assets | -2.4212% | 7,102 |
| Return on assets (ROA) | -2.4212% | 7,112 |
| Pretax return on assets | -2.8493% | 7,172 |
| Return on Equity (ROE) | -29.1621% | 7,085 |
| Retained earnings to average equity (ytd only) | -29.1621% | 7,078 |
| Net charge-offs to loans | 3.4833% | 221 |
| Credit loss provision to net charge-offs | 156.8069% | 1,788 |
| Earnings coverage of net charge-offs (x) | 0.6374% | 5,347 |
| Efficiency ratio | 49.3609% | 6,870 |
| Assets per employee ($millions) | 6.3210% | 1,046 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5178% | 524 |
| Loan loss allowance to noncurrent loans | 44.0879% | 5,364 |
| Noncurrent assets plus other real estate owned to assets | 6.6564% | 702 |
| Noncurrent loans to loans | 7.9790% | 502 |
| Net loans and leases to total assets | 80.4896% | 446 |
| Net loans and leases to deposits | 87.5011% | 1,452 |
| Net loans and leases to core deposits | 87.5011% | 2,430 |
| Total domestic deposits to total assets | 91.9870% | 241 |
| Equity capital to assets | 7.8429% | 6,661 |
| Core capital (leverage) ratio | 7.8429% | 6,407 |
| Tier 1 risk-based capital ratio | 15.3948% | 3,392 |
| Total risk-based capital ratio | 16.6990% | 3,316 |
| Memoranda: | ||
| Average total assets | $26,392,200 | 7,064 |
| Average earning assets | $24,733,000 | 7,019 |
| Average equity | $2,191,200 | 7,183 |
| Average total loans | $23,196,200 | 6,502 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5257% | 1,194 |
| Cost of funding earning assets | 1.5090% | 832 |
| Net interest margin | 4.0167% | 2,845 |
| Noninterest income to average assets | 0.0150% | 7,063 |
| Noninterest expense to average assets | 1.5948% | 7,172 |
| Loan and lease loss provision to assets | 6.2542% | 13 |
| Net operating income to assets | -5.8443% | 7,396 |
| Return on assets (ROA) | -5.8443% | 7,399 |
| Pretax return on assets | -4.0545% | 7,337 |
| Return on Equity (ROE) | -69.4809% | 7,344 |
| Retained earnings to average equity (ytd only) | -69.4809% | 7,342 |
| Net charge-offs to loans | 4.2997% | 134 |
| Credit loss provision to net charge-offs | 163.5294% | 1,872 |
| Earnings coverage of net charge-offs (x) | 0.5752% | 5,191 |
| Efficiency ratio | 42.0290% | 7,207 |
| Assets per employee ($millions) | 6.4758% | 958 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4066% | 609 |
| Loan loss allowance to noncurrent loans | 53.7386% | 4,783 |
| Noncurrent assets plus other real estate owned to assets | 5.5245% | 1,006 |
| Noncurrent loans to loans | 6.3392% | 848 |
| Net loans and leases to total assets | 84.1794% | 209 |
| Net loans and leases to deposits | 91.8183% | 1,026 |
| Net loans and leases to core deposits | 91.8183% | 2,023 |
| Total domestic deposits to total assets | 91.6805% | 267 |
| Equity capital to assets | 8.3041% | 6,478 |
| Core capital (leverage) ratio | 7.4718% | 6,779 |
| Tier 1 risk-based capital ratio | 14.5226% | 3,958 |
| Total risk-based capital ratio | 15.8325% | 3,893 |
| Memoranda: | ||
| Average total assets | $26,669,250 | 7,128 |
| Average earning assets | $25,094,250 | 7,081 |
| Average equity | $2,243,250 | 7,245 |
| Average total loans | $23,722,000 | 6,545 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3933% | 1,586 |
| Cost of funding earning assets | 1.7588% | 368 |
| Net interest margin | 3.6344% | 4,582 |
| Noninterest income to average assets | -0.0371% | 7,244 |
| Noninterest expense to average assets | 1.4559% | 7,330 |
| Loan and lease loss provision to assets | 3.4541% | 112 |
| Net operating income to assets | -3.6695% | 7,374 |
| Return on assets (ROA) | -3.6695% | 7,376 |
| Pretax return on assets | -1.4782% | 7,057 |
| Return on Equity (ROE) | -43.4477% | 7,322 |
| Retained earnings to average equity (ytd only) | -43.4477% | 7,318 |
| Net charge-offs to loans | 3.0616% | 330 |
| Credit loss provision to net charge-offs | 126.0163% | 2,424 |
| Earnings coverage of net charge-offs (x) | 0.7209% | 4,752 |
| Efficiency ratio | 42.4242% | 7,289 |
| Assets per employee ($millions) | 6.7645% | 819 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6024% | 3,684 |
| Loan loss allowance to noncurrent loans | 25.0496% | 6,520 |
| Noncurrent assets plus other real estate owned to assets | 5.5917% | 1,047 |
| Noncurrent loans to loans | 6.3969% | 888 |
| Net loans and leases to total assets | 86.0115% | 138 |
| Net loans and leases to deposits | 92.8432% | 966 |
| Net loans and leases to core deposits | 93.9299% | 1,901 |
| Total domestic deposits to total assets | 92.6417% | 151 |
| Equity capital to assets | 7.3435% | 7,017 |
| Core capital (leverage) ratio | 7.3435% | 6,844 |
| Tier 1 risk-based capital ratio | 13.9107% | 4,229 |
| Total risk-based capital ratio | 15.1778% | 4,193 |
| Memoranda: | ||
| Average total assets | $26,924,670 | 7,188 |
| Average earning assets | $25,698,670 | 7,132 |
| Average equity | $2,274,000 | 7,303 |
| Average total loans | $24,104,670 | 6,588 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1973% | 2,229 |
| Cost of funding earning assets | 2.0758% | 135 |
| Net interest margin | 3.1215% | 6,287 |
| Noninterest income to average assets | 0.0447% | 7,160 |
| Noninterest expense to average assets | 1.5787% | 7,318 |
| Loan and lease loss provision to assets | 0.7893% | 1,080 |
| Net operating income to assets | -1.8914% | 7,267 |
| Return on assets (ROA) | -1.8914% | 7,267 |
| Pretax return on assets | 0.6553% | 4,471 |
| Return on Equity (ROE) | -21.0134% | 7,231 |
| Retained earnings to average equity (ytd only) | -21.0134% | 7,171 |
| Net charge-offs to loans | 3.0249% | 359 |
| Credit loss provision to net charge-offs | 28.8043% | 4,136 |
| Earnings coverage of net charge-offs (x) | 0.5272% | 4,227 |
| Efficiency ratio | 52.2167% | 6,837 |
| Assets per employee ($millions) | 6.6905% | 850 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6262% | 7,173 |
| Loan loss allowance to noncurrent loans | 9.9738% | 7,012 |
| Noncurrent assets plus other real estate owned to assets | 5.6946% | 1,043 |
| Noncurrent loans to loans | 6.2781% | 981 |
| Net loans and leases to total assets | 90.1390% | 38 |
| Net loans and leases to deposits | 98.8607% | 532 |
| Net loans and leases to core deposits | 100.0415% | 1,332 |
| Total domestic deposits to total assets | 91.1778% | 542 |
| Equity capital to assets | 8.7961% | 5,504 |
| Core capital (leverage) ratio | 8.7961% | 4,936 |
| Tier 1 risk-based capital ratio | 16.4088% | 2,704 |
| Total risk-based capital ratio | 17.4683% | 2,765 |
| Memoranda: | ||
| Average total assets | $26,858,000 | 7,240 |
| Average earning assets | $25,628,500 | 7,184 |
| Average equity | $2,417,500 | 7,315 |
| Average total loans | $24,331,000 | 6,625 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7473% | 218 |
| Cost of funding earning assets | 2.9454% | 32 |
| Net interest margin | 3.8019% | 3,939 |
| Noninterest income to average assets | 0.0151% | 7,228 |
| Noninterest expense to average assets | 1.2929% | 7,519 |
| Loan and lease loss provision to assets | 2.3635% | 492 |
| Net operating income to assets | -0.3845% | 6,294 |
| Return on assets (ROA) | -0.3845% | 6,325 |
| Pretax return on assets | -0.0603% | 5,963 |
| Return on Equity (ROE) | -4.2749% | 6,378 |
| Retained earnings to average equity (ytd only) | -4.2749% | 6,228 |
| Net charge-offs to loans | 1.8563% | 1,118 |
| Credit loss provision to net charge-offs | 136.8996% | 2,798 |
| Earnings coverage of net charge-offs (x) | 1.3341% | 4,769 |
| Efficiency ratio | 35.9539% | 7,546 |
| Assets per employee ($millions) | 8.9847% | 343 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1605% | 5,689 |
| Loan loss allowance to noncurrent loans | 16.1438% | 6,945 |
| Noncurrent assets plus other real estate owned to assets | 6.5037% | 874 |
| Noncurrent loans to loans | 7.1883% | 769 |
| Net loans and leases to total assets | 89.4264% | 70 |
| Net loans and leases to deposits | 98.5526% | 671 |
| Net loans and leases to core deposits | 98.5526% | 1,747 |
| Total domestic deposits to total assets | 90.7398% | 723 |
| Equity capital to assets | 9.2046% | 4,836 |
| Core capital (leverage) ratio | 9.2046% | 4,160 |
| Tier 1 risk-based capital ratio | 17.2772% | 2,236 |
| Total risk-based capital ratio | 18.5306% | 2,206 |
| Memoranda: | ||
| Average total assets | $26,528,800 | 7,305 |
| Average earning assets | $24,987,800 | 7,257 |
| Average equity | $2,386,000 | 7,427 |
| Average total loans | $24,673,200 | 6,694 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3035% | 507 |
| Cost of funding earning assets | 3.0739% | 26 |
| Net interest margin | 3.2295% | 6,254 |
| Noninterest income to average assets | 0.0151% | 7,399 |
| Noninterest expense to average assets | 1.2413% | 7,653 |
| Loan and lease loss provision to assets | 2.8107% | 333 |
| Net operating income to assets | -1.3423% | 7,050 |
| Return on assets (ROA) | -1.3423% | 7,075 |
| Pretax return on assets | -0.9991% | 6,866 |
| Return on Equity (ROE) | -15.0137% | 7,104 |
| Retained earnings to average equity (ytd only) | -15.0137% | 7,077 |
| Net charge-offs to loans | 2.0475% | 913 |
| Credit loss provision to net charge-offs | 146.5789% | 2,682 |
| Earnings coverage of net charge-offs (x) | 0.9447% | 5,114 |
| Efficiency ratio | 40.6612% | 7,565 |
| Assets per employee ($millions) | 8.8847% | 364 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1665% | 5,639 |
| Loan loss allowance to noncurrent loans | 17.3628% | 6,993 |
| Noncurrent assets plus other real estate owned to assets | 6.2880% | 919 |
| Noncurrent loans to loans | 6.7182% | 871 |
| Net loans and leases to total assets | 92.5039% | 23 |
| Net loans and leases to deposits | 101.3316% | 566 |
| Net loans and leases to core deposits | 101.3316% | 1,718 |
| Total domestic deposits to total assets | 91.2884% | 358 |
| Equity capital to assets | 8.6929% | 6,029 |
| Core capital (leverage) ratio | 8.6929% | 5,199 |
| Tier 1 risk-based capital ratio | 16.2688% | 2,647 |
| Total risk-based capital ratio | 17.5256% | 2,598 |
| Memoranda: | ||
| Average total assets | $26,422,500 | 7,396 |
| Average earning assets | $24,853,500 | 7,352 |
| Average equity | $2,362,250 | 7,529 |
| Average total loans | $24,744,750 | 6,777 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3434% | 472 |
| Cost of funding earning assets | 3.1355% | 27 |
| Net interest margin | 3.2080% | 6,290 |
| Noninterest income to average assets | 0.0152% | 7,479 |
| Noninterest expense to average assets | 1.1691% | 7,742 |
| Loan and lease loss provision to assets | 4.9648% | 109 |
| Net operating income to assets | -3.4769% | 7,576 |
| Return on assets (ROA) | -3.4769% | 7,581 |
| Pretax return on assets | -3.0973% | 7,482 |
| Return on Equity (ROE) | -38.5306% | 7,521 |
| Retained earnings to average equity (ytd only) | -38.5306% | 7,513 |
| Net charge-offs to loans | 3.5255% | 417 |
| Credit loss provision to net charge-offs | 150.3448% | 2,609 |
| Earnings coverage of net charge-offs (x) | 0.5655% | 5,168 |
| Efficiency ratio | 38.5000% | 7,668 |
| Assets per employee ($millions) | 8.9090% | 350 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3572% | 4,641 |
| Loan loss allowance to noncurrent loans | 22.4848% | 6,815 |
| Noncurrent assets plus other real estate owned to assets | 5.5412% | 1,108 |
| Noncurrent loans to loans | 6.0360% | 1,056 |
| Net loans and leases to total assets | 90.5564% | 56 |
| Net loans and leases to deposits | 98.3902% | 837 |
| Net loans and leases to core deposits | 98.3902% | 2,188 |
| Total domestic deposits to total assets | 92.0380% | 213 |
| Equity capital to assets | 7.9508% | 6,808 |
| Core capital (leverage) ratio | 7.9508% | 6,325 |
| Tier 1 risk-based capital ratio | 14.9722% | 3,158 |
| Total risk-based capital ratio | 17.3184% | 2,600 |
| Memoranda: | ||
| Average total assets | $26,345,330 | 7,457 |
| Average earning assets | $24,813,000 | 7,409 |
| Average equity | $2,377,330 | 7,582 |
| Average total loans | $24,677,330 | 6,825 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0749% | 826 |
| Cost of funding earning assets | 3.2058% | 33 |
| Net interest margin | 2.8692% | 7,075 |
| Noninterest income to average assets | 0.0153% | 7,610 |
| Noninterest expense to average assets | 1.3306% | 7,791 |
| Loan and lease loss provision to assets | 3.6858% | 247 |
| Net operating income to assets | -2.4317% | 7,542 |
| Return on assets (ROA) | -2.4317% | 7,548 |
| Pretax return on assets | -2.2635% | 7,472 |
| Return on Equity (ROE) | -25.4044% | 7,504 |
| Retained earnings to average equity (ytd only) | -25.4044% | 7,465 |
| Net charge-offs to loans | 4.5579% | 277 |
| Credit loss provision to net charge-offs | 85.4610% | 3,762 |
| Earnings coverage of net charge-offs (x) | 0.3298% | 4,747 |
| Efficiency ratio | 48.3333% | 7,415 |
| Assets per employee ($millions) | 8.8140% | 373 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2908% | 7,760 |
| Loan loss allowance to noncurrent loans | 2.5632% | 7,397 |
| Noncurrent assets plus other real estate owned to assets | 10.6233% | 354 |
| Noncurrent loans to loans | 11.3449% | 334 |
| Net loans and leases to total assets | 93.3666% | 22 |
| Net loans and leases to deposits | 103.6745% | 548 |
| Net loans and leases to core deposits | 103.6745% | 1,772 |
| Total domestic deposits to total assets | 90.0575% | 959 |
| Equity capital to assets | 9.1672% | 5,035 |
| Core capital (leverage) ratio | 9.1672% | 4,271 |
| Tier 1 risk-based capital ratio | 16.0807% | 2,621 |
| Total risk-based capital ratio | 16.5583% | 2,915 |
| Memoranda: | ||
| Average total assets | $26,154,500 | 7,559 |
| Average earning assets | $24,955,000 | 7,496 |
| Average equity | $2,503,500 | 7,630 |
| Average total loans | $24,748,000 | 6,895 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1167% | 1,474 |
| Cost of funding earning assets | 3.2663% | 100 |
| Net interest margin | 2.8504% | 6,962 |
| Noninterest income to average assets | 0.0168% | 7,630 |
| Noninterest expense to average assets | 1.9091% | 7,491 |
| Loan and lease loss provision to assets | 0.2517% | 5,385 |
| Net operating income to assets | 0.3566% | 4,300 |
| Return on assets (ROA) | 0.3566% | 4,396 |
| Pretax return on assets | 0.6168% | 3,861 |
| Return on Equity (ROE) | 3.2672% | 4,390 |
| Retained earnings to average equity (ytd only) | 3.2672% | 2,873 |
| Net charge-offs to loans | 0.1197% | 5,979 |
| Credit loss provision to net charge-offs | 222.2222% | 1,695 |
| Earnings coverage of net charge-offs (x) | 7.6667% | 2,097 |
| Efficiency ratio | 68.7311% | 4,875 |
| Assets per employee ($millions) | 8.6223% | 395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4568% | 7,707 |
| Loan loss allowance to noncurrent loans | 3.8553% | 7,428 |
| Noncurrent assets plus other real estate owned to assets | 11.3310% | 284 |
| Noncurrent loans to loans | 11.8491% | 289 |
| Net loans and leases to total assets | 95.1908% | 6 |
| Net loans and leases to deposits | 108.0952% | 454 |
| Net loans and leases to core deposits | 108.0952% | 3,094 |
| Total domestic deposits to total assets | 88.0620% | 1,947 |
| Equity capital to assets | 9.9857% | 3,783 |
| Core capital (leverage) ratio | 9.9857% | 3,107 |
| Tier 1 risk-based capital ratio | 18.0050% | 1,896 |
| Total risk-based capital ratio | 18.7927% | 1,977 |
| Memoranda: | ||
| Average total assets | $23,833,400 | 7,674 |
| Average earning assets | $23,084,400 | 7,611 |
| Average equity | $2,601,600 | 7,706 |
| Average total loans | $22,550,400 | 7,056 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2528% | 1,237 |
| Cost of funding earning assets | 3.2826% | 147 |
| Net interest margin | 2.9702% | 6,684 |
| Noninterest income to average assets | 0.0171% | 7,780 |
| Noninterest expense to average assets | 1.2233% | 7,988 |
| Loan and lease loss provision to assets | 0.2286% | 5,144 |
| Net operating income to assets | 1.1775% | 1,523 |
| Return on assets (ROA) | 1.1775% | 1,576 |
| Pretax return on assets | 1.4462% | 1,578 |
| Return on Equity (ROE) | 10.5385% | 1,752 |
| Retained earnings to average equity (ytd only) | 10.5385% | 543 |
| Net charge-offs to loans | 0.0909% | 5,777 |
| Credit loss provision to net charge-offs | 266.6667% | 1,588 |
| Earnings coverage of net charge-offs (x) | 19.5330% | 1,284 |
| Efficiency ratio | 42.2091% | 7,882 |
| Assets per employee ($millions) | 8.3227% | 456 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4479% | 7,771 |
| Loan loss allowance to noncurrent loans | 4.8747% | 7,508 |
| Noncurrent assets plus other real estate owned to assets | 8.6270% | 468 |
| Noncurrent loans to loans | 9.1890% | 475 |
| Net loans and leases to total assets | 93.4636% | 28 |
| Net loans and leases to deposits | 104.8338% | 717 |
| Net loans and leases to core deposits | 104.8338% | 3,842 |
| Total domestic deposits to total assets | 89.1541% | 1,129 |
| Equity capital to assets | 10.8339% | 3,182 |
| Core capital (leverage) ratio | 10.8339% | 2,543 |
| Tier 1 risk-based capital ratio | 20.3766% | 1,483 |
| Total risk-based capital ratio | 21.1676% | 1,529 |
| Memoranda: | ||
| Average total assets | $23,325,000 | 7,757 |
| Average earning assets | $22,624,000 | 7,701 |
| Average equity | $2,606,250 | 7,780 |
| Average total loans | $22,004,000 | 7,148 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2468% | 1,338 |
| Cost of funding earning assets | 3.2939% | 208 |
| Net interest margin | 2.9529% | 6,676 |
| Noninterest income to average assets | 0.0176% | 7,880 |
| Noninterest expense to average assets | 1.1766% | 8,093 |
| Loan and lease loss provision to assets | 0.1756% | 5,289 |
| Net operating income to assets | 1.2732% | 1,295 |
| Return on assets (ROA) | 1.2732% | 1,377 |
| Pretax return on assets | 1.5542% | 1,318 |
| Return on Equity (ROE) | 11.2694% | 1,625 |
| Retained earnings to average equity (ytd only) | 11.2694% | 526 |
| Net charge-offs to loans | 0.1394% | 4,774 |
| Credit loss provision to net charge-offs | 133.3333% | 3,495 |
| Earnings coverage of net charge-offs (x) | 13.1333% | 1,760 |
| Efficiency ratio | 40.4834% | 8,011 |
| Assets per employee ($millions) | 7.9083% | 513 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3752% | 7,928 |
| Loan loss allowance to noncurrent loans | 4.1544% | 7,550 |
| Noncurrent assets plus other real estate owned to assets | 8.6238% | 407 |
| Noncurrent loans to loans | 9.0319% | 438 |
| Net loans and leases to total assets | 95.1233% | 16 |
| Net loans and leases to deposits | 107.0588% | 701 |
| Net loans and leases to core deposits | 107.0588% | 3,716 |
| Total domestic deposits to total assets | 88.8514% | 1,350 |
| Equity capital to assets | 11.1401% | 2,801 |
| Core capital (leverage) ratio | 11.1401% | 2,302 |
| Tier 1 risk-based capital ratio | 20.7930% | 1,429 |
| Total risk-based capital ratio | 21.4617% | 1,491 |
| Memoranda: | ||
| Average total assets | $22,777,330 | 7,856 |
| Average earning assets | $22,283,330 | 7,780 |
| Average equity | $2,573,330 | 7,866 |
| Average total loans | $21,525,000 | 7,239 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3504% | 1,176 |
| Cost of funding earning assets | 3.4208% | 185 |
| Net interest margin | 2.9295% | 6,671 |
| Noninterest income to average assets | 0.0179% | 7,986 |
| Noninterest expense to average assets | 1.2554% | 8,095 |
| Loan and lease loss provision to assets | 0.2690% | 3,807 |
| Net operating income to assets | 1.3451% | 1,277 |
| Return on assets (ROA) | 1.3451% | 1,369 |
| Pretax return on assets | 1.3809% | 2,022 |
| Return on Equity (ROE) | 11.8180% | 1,724 |
| Retained earnings to average equity (ytd only) | 11.8180% | 827 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.2099% | 7,957 |
| Assets per employee ($millions) | 7.5007% | 622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4491% | 7,895 |
| Loan loss allowance to noncurrent loans | 5.2719% | 7,546 |
| Noncurrent assets plus other real estate owned to assets | 8.0082% | 369 |
| Noncurrent loans to loans | 8.5193% | 399 |
| Net loans and leases to total assets | 93.5783% | 33 |
| Net loans and leases to deposits | 105.6919% | 895 |
| Net loans and leases to core deposits | 105.6919% | 3,949 |
| Total domestic deposits to total assets | 88.5388% | 1,465 |
| Equity capital to assets | 11.4479% | 2,625 |
| Core capital (leverage) ratio | 11.4479% | 2,177 |
| Tier 1 risk-based capital ratio | 21.8361% | 1,320 |
| Total risk-based capital ratio | 22.6413% | 1,355 |
| Memoranda: | ||
| Average total assets | $22,303,500 | 7,917 |
| Average earning assets | $21,983,000 | 7,841 |
| Average equity | $2,538,500 | 7,924 |
| Average total loans | $20,961,000 | 7,313 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1968% | 4,534 |
| Cost of funding earning assets | 4.0438% | 87 |
| Net interest margin | 2.1530% | 7,985 |
| Noninterest income to average assets | 0.0195% | 8,031 |
| Noninterest expense to average assets | 1.3350% | 8,104 |
| Loan and lease loss provision to assets | 0.2144% | 4,749 |
| Net operating income to assets | 0.4580% | 4,917 |
| Return on assets (ROA) | 0.4580% | 4,743 |
| Pretax return on assets | 0.5895% | 4,726 |
| Return on Equity (ROE) | 3.7730% | 4,906 |
| Retained earnings to average equity (ytd only) | 3.7730% | 2,784 |
| Net charge-offs to loans | 0.0826% | 5,584 |
| Credit loss provision to net charge-offs | 275.0000% | 1,665 |
| Earnings coverage of net charge-offs (x) | 10.3125% | 2,532 |
| Efficiency ratio | 62.4146% | 5,873 |
| Assets per employee ($millions) | 7.3683% | 605 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3900% | 7,993 |
| Loan loss allowance to noncurrent loans | 8.4025% | 7,520 |
| Noncurrent assets plus other real estate owned to assets | 4.3610% | 885 |
| Noncurrent loans to loans | 4.6413% | 1,018 |
| Net loans and leases to total assets | 93.5942% | 39 |
| Net loans and leases to deposits | 105.5507% | 1,164 |
| Net loans and leases to core deposits | 105.5507% | 4,240 |
| Total domestic deposits to total assets | 88.6722% | 1,170 |
| Equity capital to assets | 11.3142% | 2,789 |
| Core capital (leverage) ratio | 11.3142% | 2,356 |
| Tier 1 risk-based capital ratio | 22.2133% | 1,293 |
| Total risk-based capital ratio | 22.9328% | 1,322 |
| Memoranda: | ||
| Average total assets | $20,525,000 | 8,000 |
| Average earning assets | $20,204,000 | 7,927 |
| Average equity | $2,491,400 | 7,991 |
| Average total loans | $19,358,800 | 7,374 |