Home > Jefferson Federal Bank > Performance and Condition Ratios
Jefferson Federal Bank, Performance and Condition Ratios
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2730% | 2,622 |
| Cost of funding earning assets | 0.5089% | 2,809 |
| Net interest margin | 3.7642% | 2,616 |
| Noninterest income to average assets | 0.3152% | 4,844 |
| Noninterest expense to average assets | 2.8244% | 3,469 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.5039% | 4,670 |
| Return on assets (ROA) | 0.5039% | 4,755 |
| Pretax return on assets | 0.7531% | 4,296 |
| Return on Equity (ROE) | 4.3444% | 4,865 |
| Retained earnings to average equity (ytd only) | 4.3444% | 3,521 |
| Net charge-offs to loans | 0.0634% | 2,518 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 17.5185% | 1,455 |
| Efficiency ratio | 77.2141% | 2,607 |
| Assets per employee ($millions) | 3.7829% | 4,362 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1314% | 4,975 |
| Loan loss allowance to noncurrent loans | 57.4044% | 4,934 |
| Noncurrent assets plus other real estate owned to assets | 2.4910% | 1,284 |
| Noncurrent loans to loans | 1.9709% | 1,900 |
| Net loans and leases to total assets | 67.5611% | 2,291 |
| Net loans and leases to deposits | 89.0393% | 1,251 |
| Net loans and leases to core deposits | 90.5349% | 1,872 |
| Total domestic deposits to total assets | 75.8778% | 6,086 |
| Equity capital to assets | 11.6010% | 2,168 |
| Core capital (leverage) ratio | 9.8064% | 3,849 |
| Tier 1 risk-based capital ratio | 13.2100% | 4,889 |
| Total risk-based capital ratio | 14.2850% | 4,916 |
| Memoranda: | ||
| Average total assets | $502,474,000 | 1,344 |
| Average earning assets | $435,476,000 | 1,420 |
| Average equity | $58,282,000 | 1,249 |
| Average total loans | $340,496,000 | 1,289 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3667% | 2,707 |
| Cost of funding earning assets | 0.5967% | 2,690 |
| Net interest margin | 3.7700% | 2,761 |
| Noninterest income to average assets | 0.3477% | 4,834 |
| Noninterest expense to average assets | 2.9577% | 3,169 |
| Loan and lease loss provision to assets | 0.0396% | 4,328 |
| Net operating income to assets | 0.4237% | 5,063 |
| Return on assets (ROA) | 0.4239% | 5,171 |
| Pretax return on assets | 0.6079% | 4,854 |
| Return on Equity (ROE) | 3.7319% | 5,225 |
| Retained earnings to average equity (ytd only) | 3.7319% | 3,563 |
| Net charge-offs to loans | 0.5949% | 1,109 |
| Credit loss provision to net charge-offs | 10.3681% | 4,577 |
| Earnings coverage of net charge-offs (x) | 1.6957% | 4,486 |
| Efficiency ratio | 80.0790% | 2,137 |
| Assets per employee ($millions) | 3.6892% | 4,506 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1874% | 4,722 |
| Loan loss allowance to noncurrent loans | 59.4049% | 4,885 |
| Noncurrent assets plus other real estate owned to assets | 2.6120% | 1,299 |
| Noncurrent loans to loans | 1.9988% | 1,993 |
| Net loans and leases to total assets | 66.3858% | 2,633 |
| Net loans and leases to deposits | 85.0111% | 1,809 |
| Net loans and leases to core deposits | 86.1182% | 2,432 |
| Total domestic deposits to total assets | 78.0907% | 5,815 |
| Equity capital to assets | 11.5969% | 2,099 |
| Core capital (leverage) ratio | 9.6521% | 4,055 |
| Tier 1 risk-based capital ratio | 13.2954% | 4,793 |
| Total risk-based capital ratio | 14.4203% | 4,815 |
| Memoranda: | ||
| Average total assets | $505,321,600 | 1,319 |
| Average earning assets | $436,599,400 | 1,393 |
| Average equity | $57,397,800 | 1,251 |
| Average total loans | $324,269,200 | 1,316 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3569% | 2,748 |
| Cost of funding earning assets | 0.6056% | 2,766 |
| Net interest margin | 3.7513% | 2,842 |
| Noninterest income to average assets | 0.3549% | 4,856 |
| Noninterest expense to average assets | 2.9411% | 3,164 |
| Loan and lease loss provision to assets | 0.0526% | 3,977 |
| Net operating income to assets | 0.4209% | 5,156 |
| Return on assets (ROA) | 0.4209% | 5,302 |
| Pretax return on assets | 0.5989% | 5,013 |
| Return on Equity (ROE) | 3.7248% | 5,346 |
| Retained earnings to average equity (ytd only) | 3.7248% | 4,044 |
| Net charge-offs to loans | 0.3768% | 1,695 |
| Credit loss provision to net charge-offs | 22.0022% | 4,038 |
| Earnings coverage of net charge-offs (x) | 2.7261% | 3,928 |
| Efficiency ratio | 79.8536% | 2,121 |
| Assets per employee ($millions) | 3.6680% | 4,513 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5649% | 3,163 |
| Loan loss allowance to noncurrent loans | 59.4263% | 4,844 |
| Noncurrent assets plus other real estate owned to assets | 3.0498% | 1,211 |
| Noncurrent loans to loans | 2.6333% | 1,610 |
| Net loans and leases to total assets | 62.9592% | 3,176 |
| Net loans and leases to deposits | 79.1021% | 2,523 |
| Net loans and leases to core deposits | 80.0288% | 3,129 |
| Total domestic deposits to total assets | 79.5923% | 5,610 |
| Equity capital to assets | 11.5097% | 2,297 |
| Core capital (leverage) ratio | 9.3488% | 4,618 |
| Tier 1 risk-based capital ratio | 13.2525% | 4,938 |
| Total risk-based capital ratio | 14.4673% | 4,913 |
| Memoranda: | ||
| Average total assets | $507,140,750 | 1,320 |
| Average earning assets | $437,704,000 | 1,392 |
| Average equity | $57,307,750 | 1,262 |
| Average total loans | $321,685,500 | 1,327 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3869% | 2,620 |
| Cost of funding earning assets | 0.6314% | 2,673 |
| Net interest margin | 3.7555% | 2,742 |
| Noninterest income to average assets | 0.3554% | 4,847 |
| Noninterest expense to average assets | 2.9515% | 3,158 |
| Loan and lease loss provision to assets | 0.0784% | 3,491 |
| Net operating income to assets | 0.4111% | 5,176 |
| Return on assets (ROA) | 0.4111% | 5,339 |
| Pretax return on assets | 0.5730% | 5,121 |
| Return on Equity (ROE) | 3.6598% | 5,354 |
| Retained earnings to average equity (ytd only) | 3.6598% | 3,983 |
| Net charge-offs to loans | 0.1500% | 2,903 |
| Credit loss provision to net charge-offs | 82.6446% | 2,574 |
| Earnings coverage of net charge-offs (x) | 6.8636% | 2,638 |
| Efficiency ratio | 79.9151% | 2,170 |
| Assets per employee ($millions) | 3.7285% | 4,351 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7306% | 2,666 |
| Loan loss allowance to noncurrent loans | 44.2326% | 5,445 |
| Noncurrent assets plus other real estate owned to assets | 3.8087% | 956 |
| Noncurrent loans to loans | 3.9125% | 1,011 |
| Net loans and leases to total assets | 63.8525% | 2,938 |
| Net loans and leases to deposits | 80.2184% | 2,291 |
| Net loans and leases to core deposits | 81.1489% | 2,897 |
| Total domestic deposits to total assets | 79.5983% | 5,690 |
| Equity capital to assets | 11.3349% | 2,434 |
| Core capital (leverage) ratio | 9.2128% | 4,679 |
| Tier 1 risk-based capital ratio | 12.9258% | 5,200 |
| Total risk-based capital ratio | 14.1830% | 5,126 |
| Memoranda: | ||
| Average total assets | $509,905,330 | 1,309 |
| Average earning assets | $440,954,000 | 1,386 |
| Average equity | $57,271,670 | 1,260 |
| Average total loans | $322,559,670 | 1,315 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3271% | 2,777 |
| Cost of funding earning assets | 0.6311% | 2,837 |
| Net interest margin | 3.6960% | 2,868 |
| Noninterest income to average assets | 0.4115% | 4,377 |
| Noninterest expense to average assets | 2.9829% | 3,040 |
| Loan and lease loss provision to assets | 0.1559% | 2,307 |
| Net operating income to assets | 0.3359% | 5,414 |
| Return on assets (ROA) | 0.3359% | 5,552 |
| Pretax return on assets | 0.4770% | 5,334 |
| Return on Equity (ROE) | 3.0045% | 5,587 |
| Retained earnings to average equity (ytd only) | 3.0045% | 4,482 |
| Net charge-offs to loans | 0.2897% | 1,807 |
| Credit loss provision to net charge-offs | 86.2069% | 2,079 |
| Earnings coverage of net charge-offs (x) | 3.5000% | 2,753 |
| Efficiency ratio | 80.5130% | 2,249 |
| Assets per employee ($millions) | 3.6961% | 4,564 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7843% | 2,675 |
| Loan loss allowance to noncurrent loans | 43.8278% | 5,433 |
| Noncurrent assets plus other real estate owned to assets | 3.9784% | 1,005 |
| Noncurrent loans to loans | 4.0711% | 1,101 |
| Net loans and leases to total assets | 61.6365% | 3,137 |
| Net loans and leases to deposits | 76.8150% | 2,509 |
| Net loans and leases to core deposits | 77.8537% | 3,088 |
| Total domestic deposits to total assets | 80.2402% | 5,700 |
| Equity capital to assets | 11.3626% | 2,566 |
| Core capital (leverage) ratio | 9.0396% | 4,821 |
| Tier 1 risk-based capital ratio | 13.0504% | 5,180 |
| Total risk-based capital ratio | 14.3055% | 5,137 |
| Memoranda: | ||
| Average total assets | $513,187,500 | 1,312 |
| Average earning assets | $444,916,500 | 1,387 |
| Average equity | $57,381,000 | 1,272 |
| Average total loans | $320,311,500 | 1,322 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5354% | 3,260 |
| Cost of funding earning assets | 0.7572% | 3,039 |
| Net interest margin | 3.7782% | 3,326 |
| Noninterest income to average assets | 0.2563% | 5,629 |
| Noninterest expense to average assets | 2.8339% | 3,898 |
| Loan and lease loss provision to assets | 0.3440% | 1,947 |
| Net operating income to assets | 0.2834% | 5,527 |
| Return on assets (ROA) | 0.2830% | 5,743 |
| Pretax return on assets | 0.3703% | 5,655 |
| Return on Equity (ROE) | 2.6332% | 5,696 |
| Retained earnings to average equity (ytd only) | 2.6332% | 4,380 |
| Net charge-offs to loans | 2.0721% | 350 |
| Credit loss provision to net charge-offs | 25.7991% | 5,189 |
| Earnings coverage of net charge-offs (x) | 0.5362% | 5,217 |
| Efficiency ratio | 77.6264% | 2,507 |
| Assets per employee ($millions) | 3.8807% | 4,200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7661% | 2,710 |
| Loan loss allowance to noncurrent loans | 39.5533% | 5,650 |
| Noncurrent assets plus other real estate owned to assets | 4.2605% | 990 |
| Noncurrent loans to loans | 4.4652% | 959 |
| Net loans and leases to total assets | 60.9884% | 3,421 |
| Net loans and leases to deposits | 75.4523% | 2,888 |
| Net loans and leases to core deposits | 76.4367% | 3,473 |
| Total domestic deposits to total assets | 80.8303% | 5,448 |
| Equity capital to assets | 11.0047% | 2,948 |
| Core capital (leverage) ratio | 9.0111% | 4,878 |
| Tier 1 risk-based capital ratio | 12.8488% | 5,217 |
| Total risk-based capital ratio | 14.1036% | 5,155 |
| Memoranda: | ||
| Average total assets | $523,310,800 | 1,271 |
| Average earning assets | $456,038,600 | 1,341 |
| Average equity | $56,243,200 | 1,262 |
| Average total loans | $336,709,400 | 1,249 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5750% | 3,307 |
| Cost of funding earning assets | 0.7900% | 3,026 |
| Net interest margin | 3.7850% | 3,403 |
| Noninterest income to average assets | 0.2488% | 5,783 |
| Noninterest expense to average assets | 2.8175% | 3,924 |
| Loan and lease loss provision to assets | 0.3816% | 1,691 |
| Net operating income to assets | 0.2750% | 5,698 |
| Return on assets (ROA) | 0.2724% | 5,898 |
| Pretax return on assets | 0.3503% | 5,838 |
| Return on Equity (ROE) | 2.5500% | 5,860 |
| Retained earnings to average equity (ytd only) | 2.5500% | 5,040 |
| Net charge-offs to loans | 2.5939% | 238 |
| Credit loss provision to net charge-offs | 22.6655% | 4,916 |
| Earnings coverage of net charge-offs (x) | 0.4367% | 5,105 |
| Efficiency ratio | 77.0371% | 2,518 |
| Assets per employee ($millions) | 3.8173% | 4,262 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8016% | 2,791 |
| Loan loss allowance to noncurrent loans | 33.3913% | 5,967 |
| Noncurrent assets plus other real estate owned to assets | 4.8600% | 922 |
| Noncurrent loans to loans | 5.3954% | 804 |
| Net loans and leases to total assets | 61.8494% | 3,408 |
| Net loans and leases to deposits | 76.9328% | 2,827 |
| Net loans and leases to core deposits | 78.5692% | 3,379 |
| Total domestic deposits to total assets | 80.3941% | 5,547 |
| Equity capital to assets | 11.2049% | 3,030 |
| Core capital (leverage) ratio | 8.6812% | 5,501 |
| Tier 1 risk-based capital ratio | 12.7436% | 5,451 |
| Total risk-based capital ratio | 13.9989% | 5,406 |
| Memoranda: | ||
| Average total assets | $524,135,000 | 1,285 |
| Average earning assets | $457,514,000 | 1,352 |
| Average equity | $55,997,500 | 1,278 |
| Average total loans | $340,174,250 | 1,252 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6168% | 3,292 |
| Cost of funding earning assets | 0.8274% | 2,974 |
| Net interest margin | 3.7894% | 3,415 |
| Noninterest income to average assets | 0.2723% | 5,627 |
| Noninterest expense to average assets | 2.7733% | 4,122 |
| Loan and lease loss provision to assets | 0.4532% | 1,412 |
| Net operating income to assets | 0.2781% | 5,677 |
| Return on assets (ROA) | 0.2730% | 5,891 |
| Pretax return on assets | 0.3463% | 5,836 |
| Return on Equity (ROE) | 2.5960% | 5,846 |
| Retained earnings to average equity (ytd only) | 2.5960% | 4,891 |
| Net charge-offs to loans | 3.5893% | 143 |
| Credit loss provision to net charge-offs | 19.2709% | 4,617 |
| Earnings coverage of net charge-offs (x) | 0.3427% | 4,908 |
| Efficiency ratio | 75.2585% | 2,853 |
| Assets per employee ($millions) | 3.9352% | 4,007 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7802% | 2,923 |
| Loan loss allowance to noncurrent loans | 31.5285% | 6,083 |
| Noncurrent assets plus other real estate owned to assets | 4.7466% | 1,016 |
| Noncurrent loans to loans | 5.6462% | 816 |
| Net loans and leases to total assets | 61.6906% | 3,497 |
| Net loans and leases to deposits | 76.0446% | 2,985 |
| Net loans and leases to core deposits | 77.6897% | 3,565 |
| Total domestic deposits to total assets | 81.1243% | 5,426 |
| Equity capital to assets | 10.7550% | 3,389 |
| Core capital (leverage) ratio | 8.2267% | 6,017 |
| Tier 1 risk-based capital ratio | 12.1685% | 5,821 |
| Total risk-based capital ratio | 13.4238% | 5,792 |
| Memoranda: | ||
| Average total assets | $529,613,670 | 1,281 |
| Average earning assets | $462,184,000 | 1,339 |
| Average equity | $55,701,000 | 1,278 |
| Average total loans | $346,975,670 | 1,209 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6311% | 3,354 |
| Cost of funding earning assets | 0.8832% | 2,813 |
| Net interest margin | 3.7479% | 3,607 |
| Noninterest income to average assets | 0.3229% | 5,292 |
| Noninterest expense to average assets | 2.7872% | 4,088 |
| Loan and lease loss provision to assets | 0.4505% | 1,374 |
| Net operating income to assets | 0.2898% | 5,690 |
| Return on assets (ROA) | 0.2898% | 5,858 |
| Pretax return on assets | 0.3446% | 5,873 |
| Return on Equity (ROE) | 2.7867% | 5,791 |
| Retained earnings to average equity (ytd only) | 2.7867% | 4,862 |
| Net charge-offs to loans | 5.2491% | 83 |
| Credit loss provision to net charge-offs | 12.8397% | 3,867 |
| Earnings coverage of net charge-offs (x) | 0.2266% | 4,253 |
| Efficiency ratio | 75.5816% | 2,840 |
| Assets per employee ($millions) | 4.0493% | 3,904 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9525% | 2,513 |
| Loan loss allowance to noncurrent loans | 36.8529% | 5,804 |
| Noncurrent assets plus other real estate owned to assets | 4.9705% | 1,049 |
| Noncurrent loans to loans | 5.2982% | 1,030 |
| Net loans and leases to total assets | 63.9404% | 2,859 |
| Net loans and leases to deposits | 78.6680% | 2,387 |
| Net loans and leases to core deposits | 80.4722% | 3,015 |
| Total domestic deposits to total assets | 81.2787% | 5,526 |
| Equity capital to assets | 10.4107% | 3,608 |
| Core capital (leverage) ratio | 8.0290% | 6,231 |
| Tier 1 risk-based capital ratio | 11.1137% | 6,485 |
| Total risk-based capital ratio | 12.3706% | 6,470 |
| Memoranda: | ||
| Average total assets | $532,727,500 | 1,272 |
| Average earning assets | $463,304,500 | 1,342 |
| Average equity | $55,406,500 | 1,280 |
| Average total loans | $356,097,500 | 1,181 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0619% | 2,601 |
| Cost of funding earning assets | 1.1558% | 2,313 |
| Net interest margin | 3.9061% | 3,314 |
| Noninterest income to average assets | 0.2986% | 5,389 |
| Noninterest expense to average assets | 3.0910% | 3,229 |
| Loan and lease loss provision to assets | 2.1463% | 247 |
| Net operating income to assets | -0.9379% | 6,715 |
| Return on assets (ROA) | -0.8805% | 6,717 |
| Pretax return on assets | -1.4410% | 6,884 |
| Return on Equity (ROE) | -8.5340% | 6,696 |
| Retained earnings to average equity (ytd only) | -8.5340% | 6,647 |
| Net charge-offs to loans | 2.3719% | 515 |
| Credit loss provision to net charge-offs | 131.7670% | 2,317 |
| Earnings coverage of net charge-offs (x) | 0.3780% | 5,536 |
| Efficiency ratio | 81.1590% | 2,140 |
| Assets per employee ($millions) | 4.0530% | 3,742 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9918% | 818 |
| Loan loss allowance to noncurrent loans | 113.7852% | 2,726 |
| Noncurrent assets plus other real estate owned to assets | 3.5294% | 1,677 |
| Noncurrent loans to loans | 2.6294% | 2,476 |
| Net loans and leases to total assets | 66.4367% | 2,700 |
| Net loans and leases to deposits | 81.5365% | 2,267 |
| Net loans and leases to core deposits | 83.4249% | 2,967 |
| Total domestic deposits to total assets | 81.4810% | 5,298 |
| Equity capital to assets | 10.3903% | 3,668 |
| Core capital (leverage) ratio | 7.6873% | 6,541 |
| Tier 1 risk-based capital ratio | 10.7013% | 6,603 |
| Total risk-based capital ratio | 11.9713% | 6,568 |
| Memoranda: | ||
| Average total assets | $567,033,600 | 1,167 |
| Average earning assets | $494,739,400 | 1,224 |
| Average equity | $58,507,400 | 1,163 |
| Average total loans | $389,398,200 | 1,096 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0899% | 2,649 |
| Cost of funding earning assets | 1.2080% | 2,277 |
| Net interest margin | 3.8819% | 3,473 |
| Noninterest income to average assets | 0.2805% | 5,605 |
| Noninterest expense to average assets | 2.9006% | 3,929 |
| Loan and lease loss provision to assets | 1.5005% | 461 |
| Net operating income to assets | -0.3973% | 6,581 |
| Return on assets (ROA) | -0.3238% | 6,579 |
| Pretax return on assets | -0.6150% | 6,686 |
| Return on Equity (ROE) | -3.1433% | 6,568 |
| Retained earnings to average equity (ytd only) | -3.1433% | 6,433 |
| Net charge-offs to loans | 1.4228% | 1,041 |
| Credit loss provision to net charge-offs | 153.4801% | 2,023 |
| Earnings coverage of net charge-offs (x) | 0.7884% | 5,024 |
| Efficiency ratio | 76.7432% | 2,715 |
| Assets per employee ($millions) | 4.0449% | 3,746 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6803% | 1,152 |
| Loan loss allowance to noncurrent loans | 111.0821% | 2,693 |
| Noncurrent assets plus other real estate owned to assets | 3.6156% | 1,740 |
| Noncurrent loans to loans | 2.4129% | 2,870 |
| Net loans and leases to total assets | 67.3509% | 2,604 |
| Net loans and leases to deposits | 83.3501% | 2,117 |
| Net loans and leases to core deposits | 85.5301% | 2,844 |
| Total domestic deposits to total assets | 80.8049% | 5,495 |
| Equity capital to assets | 10.7329% | 3,436 |
| Core capital (leverage) ratio | 8.4879% | 5,729 |
| Tier 1 risk-based capital ratio | 11.3979% | 6,298 |
| Total risk-based capital ratio | 12.6637% | 6,288 |
| Memoranda: | ||
| Average total assets | $576,055,500 | 1,153 |
| Average earning assets | $503,176,500 | 1,206 |
| Average equity | $59,342,500 | 1,141 |
| Average total loans | $395,842,250 | 1,085 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0885% | 2,736 |
| Cost of funding earning assets | 1.2688% | 2,127 |
| Net interest margin | 3.8197% | 3,691 |
| Noninterest income to average assets | 0.1748% | 6,412 |
| Noninterest expense to average assets | 2.8640% | 4,169 |
| Loan and lease loss provision to assets | 1.1962% | 652 |
| Net operating income to assets | -0.2751% | 6,539 |
| Return on assets (ROA) | -0.1724% | 6,480 |
| Pretax return on assets | -0.3834% | 6,584 |
| Return on Equity (ROE) | -1.6958% | 6,484 |
| Retained earnings to average equity (ytd only) | -1.6958% | 6,196 |
| Net charge-offs to loans | 1.6269% | 899 |
| Credit loss provision to net charge-offs | 107.2370% | 2,872 |
| Earnings coverage of net charge-offs (x) | 0.5848% | 4,863 |
| Efficiency ratio | 79.1245% | 2,534 |
| Assets per employee ($millions) | 4.0707% | 3,608 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1152% | 2,090 |
| Loan loss allowance to noncurrent loans | 99.1877% | 2,909 |
| Noncurrent assets plus other real estate owned to assets | 3.2010% | 2,100 |
| Noncurrent loans to loans | 2.1325% | 3,309 |
| Net loans and leases to total assets | 67.3934% | 2,739 |
| Net loans and leases to deposits | 83.2581% | 2,226 |
| Net loans and leases to core deposits | 85.6278% | 2,969 |
| Total domestic deposits to total assets | 80.9451% | 5,541 |
| Equity capital to assets | 10.5628% | 3,427 |
| Core capital (leverage) ratio | 8.4995% | 5,555 |
| Tier 1 risk-based capital ratio | 11.7357% | 5,984 |
| Total risk-based capital ratio | 12.9954% | 5,979 |
| Memoranda: | ||
| Average total assets | $584,703,000 | 1,139 |
| Average earning assets | $511,507,670 | 1,192 |
| Average equity | $59,442,330 | 1,129 |
| Average total loans | $400,886,330 | 1,076 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0761% | 2,748 |
| Cost of funding earning assets | 1.3598% | 1,830 |
| Net interest margin | 3.7162% | 4,018 |
| Noninterest income to average assets | 0.2207% | 6,155 |
| Noninterest expense to average assets | 3.0810% | 3,330 |
| Loan and lease loss provision to assets | 0.9393% | 837 |
| Net operating income to assets | -0.3623% | 6,716 |
| Return on assets (ROA) | 0.2127% | 5,812 |
| Pretax return on assets | 0.3187% | 5,603 |
| Return on Equity (ROE) | 2.1313% | 5,738 |
| Retained earnings to average equity (ytd only) | 2.1313% | 4,862 |
| Net charge-offs to loans | 1.4355% | 950 |
| Credit loss provision to net charge-offs | 95.6284% | 2,839 |
| Earnings coverage of net charge-offs (x) | 0.4071% | 4,315 |
| Efficiency ratio | 86.1989% | 1,694 |
| Assets per employee ($millions) | 4.1593% | 3,527 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9608% | 2,512 |
| Loan loss allowance to noncurrent loans | 74.8504% | 3,724 |
| Noncurrent assets plus other real estate owned to assets | 3.8449% | 1,740 |
| Noncurrent loans to loans | 2.6197% | 2,881 |
| Net loans and leases to total assets | 68.1557% | 2,515 |
| Net loans and leases to deposits | 83.9060% | 2,048 |
| Net loans and leases to core deposits | 86.5578% | 2,794 |
| Total domestic deposits to total assets | 81.2287% | 5,598 |
| Equity capital to assets | 10.2413% | 3,480 |
| Core capital (leverage) ratio | 8.1063% | 6,121 |
| Tier 1 risk-based capital ratio | 11.4672% | 6,126 |
| Total risk-based capital ratio | 12.7250% | 6,105 |
| Memoranda: | ||
| Average total assets | $596,176,000 | 1,121 |
| Average earning assets | $523,003,000 | 1,174 |
| Average equity | $59,495,000 | 1,114 |
| Average total loans | $407,945,500 | 1,066 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9862% | 4,625 |
| Cost of funding earning assets | 1.7226% | 1,498 |
| Net interest margin | 3.2635% | 6,092 |
| Noninterest income to average assets | 0.2879% | 5,726 |
| Noninterest expense to average assets | 6.0868% | 223 |
| Loan and lease loss provision to assets | 1.2326% | 1,259 |
| Net operating income to assets | -3.8810% | 7,421 |
| Return on assets (ROA) | -3.6042% | 7,405 |
| Pretax return on assets | -3.8577% | 7,416 |
| Return on Equity (ROE) | -33.6296% | 7,273 |
| Retained earnings to average equity (ytd only) | -33.6296% | 7,263 |
| Net charge-offs to loans | 1.1721% | 1,900 |
| Credit loss provision to net charge-offs | 153.3269% | 2,326 |
| Earnings coverage of net charge-offs (x) | -3.6359% | 6,754 |
| Efficiency ratio | 83.0655% | 2,046 |
| Assets per employee ($millions) | 4.3872% | 3,056 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9192% | 2,507 |
| Loan loss allowance to noncurrent loans | 60.3953% | 4,399 |
| Noncurrent assets plus other real estate owned to assets | 3.8208% | 1,790 |
| Noncurrent loans to loans | 3.1777% | 2,395 |
| Net loans and leases to total assets | 66.1057% | 3,450 |
| Net loans and leases to deposits | 83.0974% | 2,606 |
| Net loans and leases to core deposits | 86.2123% | 3,292 |
| Total domestic deposits to total assets | 79.5521% | 5,954 |
| Equity capital to assets | 9.7330% | 4,075 |
| Core capital (leverage) ratio | 7.7257% | 6,520 |
| Tier 1 risk-based capital ratio | 11.2259% | 6,159 |
| Total risk-based capital ratio | 12.4836% | 6,134 |
| Memoranda: | ||
| Average total assets | $644,999,600 | 1,036 |
| Average earning assets | $568,433,200 | 1,063 |
| Average equity | $69,126,600 | 969 |
| Average total loans | $442,382,600 | 1,017 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0213% | 4,712 |
| Cost of funding earning assets | 1.7715% | 1,544 |
| Net interest margin | 3.2498% | 6,169 |
| Noninterest income to average assets | 0.2551% | 6,078 |
| Noninterest expense to average assets | 7.1386% | 143 |
| Loan and lease loss provision to assets | 1.4299% | 943 |
| Net operating income to assets | -5.0576% | 7,649 |
| Return on assets (ROA) | -4.8340% | 7,641 |
| Pretax return on assets | -5.2119% | 7,656 |
| Return on Equity (ROE) | -44.1504% | 7,521 |
| Retained earnings to average equity (ytd only) | -44.1504% | 7,518 |
| Net charge-offs to loans | 1.0180% | 1,978 |
| Credit loss provision to net charge-offs | 203.9627% | 1,743 |
| Earnings coverage of net charge-offs (x) | -5.7375% | 6,597 |
| Efficiency ratio | 83.6578% | 1,873 |
| Assets per employee ($millions) | 4.6370% | 2,696 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0174% | 2,176 |
| Loan loss allowance to noncurrent loans | 42.4289% | 5,459 |
| Noncurrent assets plus other real estate owned to assets | 4.1515% | 1,657 |
| Noncurrent loans to loans | 4.7549% | 1,482 |
| Net loans and leases to total assets | 65.9182% | 3,709 |
| Net loans and leases to deposits | 86.2378% | 2,285 |
| Net loans and leases to core deposits | 89.3538% | 3,196 |
| Total domestic deposits to total assets | 76.4378% | 6,581 |
| Equity capital to assets | 9.3046% | 5,131 |
| Core capital (leverage) ratio | 7.5374% | 6,821 |
| Tier 1 risk-based capital ratio | 10.8126% | 6,534 |
| Total risk-based capital ratio | 12.0720% | 6,508 |
| Memoranda: | ||
| Average total assets | $652,697,000 | 1,030 |
| Average earning assets | $574,626,750 | 1,059 |
| Average equity | $71,463,000 | 941 |
| Average total loans | $449,485,000 | 1,007 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1318% | 4,287 |
| Cost of funding earning assets | 1.8027% | 1,632 |
| Net interest margin | 3.3291% | 5,909 |
| Noninterest income to average assets | 0.2939% | 5,795 |
| Noninterest expense to average assets | 9.3513% | 89 |
| Loan and lease loss provision to assets | 2.1361% | 569 |
| Net operating income to assets | -7.6475% | 7,782 |
| Return on assets (ROA) | -7.3196% | 7,782 |
| Pretax return on assets | -7.9260% | 7,783 |
| Return on Equity (ROE) | -63.7161% | 7,665 |
| Retained earnings to average equity (ytd only) | -63.7161% | 7,663 |
| Net charge-offs to loans | 1.1131% | 1,704 |
| Credit loss provision to net charge-offs | 276.5705% | 1,346 |
| Earnings coverage of net charge-offs (x) | -7.9581% | 6,310 |
| Efficiency ratio | 81.8338% | 2,193 |
| Assets per employee ($millions) | 4.3237% | 3,170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1674% | 1,833 |
| Loan loss allowance to noncurrent loans | 51.3873% | 4,876 |
| Noncurrent assets plus other real estate owned to assets | 4.1756% | 1,617 |
| Noncurrent loans to loans | 4.2178% | 1,769 |
| Net loans and leases to total assets | 68.9942% | 3,132 |
| Net loans and leases to deposits | 90.8585% | 1,716 |
| Net loans and leases to core deposits | 94.1178% | 2,699 |
| Total domestic deposits to total assets | 75.9360% | 6,710 |
| Equity capital to assets | 9.4492% | 4,782 |
| Core capital (leverage) ratio | 7.2890% | 7,004 |
| Tier 1 risk-based capital ratio | 10.3491% | 6,796 |
| Total risk-based capital ratio | 11.6101% | 6,777 |
| Memoranda: | ||
| Average total assets | $655,414,670 | 1,033 |
| Average earning assets | $573,127,330 | 1,069 |
| Average equity | $75,293,330 | 871 |
| Average total loans | $454,773,330 | 1,002 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1851% | 4,105 |
| Cost of funding earning assets | 1.8556% | 1,632 |
| Net interest margin | 3.3295% | 5,863 |
| Noninterest income to average assets | 0.2793% | 5,909 |
| Noninterest expense to average assets | 2.8273% | 4,384 |
| Loan and lease loss provision to assets | 0.8989% | 1,416 |
| Net operating income to assets | -0.5064% | 6,834 |
| Return on assets (ROA) | 0.2139% | 5,756 |
| Pretax return on assets | 0.1582% | 5,999 |
| Return on Equity (ROE) | 1.7181% | 5,877 |
| Retained earnings to average equity (ytd only) | 1.7181% | 5,080 |
| Net charge-offs to loans | 1.1036% | 1,524 |
| Credit loss provision to net charge-offs | 118.2965% | 2,953 |
| Earnings coverage of net charge-offs (x) | 0.4432% | 4,632 |
| Efficiency ratio | 86.8182% | 1,709 |
| Assets per employee ($millions) | 4.5163% | 2,925 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1919% | 5,542 |
| Loan loss allowance to noncurrent loans | 26.2070% | 6,657 |
| Noncurrent assets plus other real estate owned to assets | 3.8946% | 1,773 |
| Noncurrent loans to loans | 4.5480% | 1,633 |
| Net loans and leases to total assets | 67.5786% | 3,490 |
| Net loans and leases to deposits | 93.3259% | 1,431 |
| Net loans and leases to core deposits | 96.5103% | 2,524 |
| Total domestic deposits to total assets | 72.4114% | 7,227 |
| Equity capital to assets | 12.5120% | 1,753 |
| Core capital (leverage) ratio | 7.9615% | 6,292 |
| Tier 1 risk-based capital ratio | 10.6636% | 6,478 |
| Total risk-based capital ratio | 11.8105% | 6,570 |
| Memoranda: | ||
| Average total assets | $667,493,500 | 1,037 |
| Average earning assets | $578,351,000 | 1,083 |
| Average equity | $83,115,500 | 797 |
| Average total loans | $459,570,000 | 1,028 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6351% | 3,414 |
| Cost of funding earning assets | 2.2794% | 1,731 |
| Net interest margin | 3.3557% | 5,540 |
| Noninterest income to average assets | 0.4447% | 4,843 |
| Noninterest expense to average assets | 2.6138% | 5,747 |
| Loan and lease loss provision to assets | 0.3636% | 4,621 |
| Net operating income to assets | 0.2091% | 4,872 |
| Return on assets (ROA) | 0.2657% | 4,743 |
| Pretax return on assets | 0.4493% | 4,355 |
| Return on Equity (ROE) | 2.1534% | 4,846 |
| Retained earnings to average equity (ytd only) | 2.1534% | 3,598 |
| Net charge-offs to loans | 0.3872% | 4,271 |
| Credit loss provision to net charge-offs | 125.4034% | 4,168 |
| Earnings coverage of net charge-offs (x) | 2.4992% | 3,877 |
| Efficiency ratio | 75.6669% | 3,581 |
| Assets per employee ($millions) | 4.5039% | 2,918 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1138% | 5,836 |
| Loan loss allowance to noncurrent loans | 27.3625% | 6,646 |
| Noncurrent assets plus other real estate owned to assets | 3.5454% | 1,891 |
| Noncurrent loans to loans | 4.0705% | 1,816 |
| Net loans and leases to total assets | 68.5297% | 3,583 |
| Net loans and leases to deposits | 93.6255% | 1,652 |
| Net loans and leases to core deposits | 116.5540% | 2,260 |
| Total domestic deposits to total assets | 73.1956% | 7,131 |
| Equity capital to assets | 12.3924% | 1,799 |
| Core capital (leverage) ratio | 8.0632% | 6,060 |
| Tier 1 risk-based capital ratio | 10.1743% | 6,710 |
| Total risk-based capital ratio | 11.2299% | 6,864 |
| Memoranda: | ||
| Average total assets | $662,525,400 | 1,046 |
| Average earning assets | $571,333,400 | 1,106 |
| Average equity | $81,730,400 | 793 |
| Average total loans | $496,167,400 | 971 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7570% | 3,075 |
| Cost of funding earning assets | 2.3331% | 1,868 |
| Net interest margin | 3.4239% | 5,170 |
| Noninterest income to average assets | 0.4569% | 4,855 |
| Noninterest expense to average assets | 2.6477% | 5,533 |
| Loan and lease loss provision to assets | 0.1817% | 5,549 |
| Net operating income to assets | 0.3535% | 4,580 |
| Return on assets (ROA) | 0.4274% | 4,391 |
| Pretax return on assets | 0.6919% | 3,890 |
| Return on Equity (ROE) | 3.4688% | 4,592 |
| Retained earnings to average equity (ytd only) | 3.4688% | 3,357 |
| Net charge-offs to loans | 0.2635% | 4,397 |
| Credit loss provision to net charge-offs | 90.3614% | 5,475 |
| Earnings coverage of net charge-offs (x) | 3.7701% | 3,390 |
| Efficiency ratio | 75.1200% | 3,669 |
| Assets per employee ($millions) | 4.1725% | 3,423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9456% | 6,571 |
| Loan loss allowance to noncurrent loans | 51.6230% | 4,869 |
| Noncurrent assets plus other real estate owned to assets | 1.7129% | 3,808 |
| Noncurrent loans to loans | 1.8317% | 3,871 |
| Net loans and leases to total assets | 73.4938% | 2,662 |
| Net loans and leases to deposits | 101.6365% | 957 |
| Net loans and leases to core deposits | 130.7550% | 1,384 |
| Total domestic deposits to total assets | 72.3104% | 7,169 |
| Equity capital to assets | 12.7071% | 1,828 |
| Core capital (leverage) ratio | 8.0903% | 6,199 |
| Tier 1 risk-based capital ratio | 10.1793% | 6,803 |
| Total risk-based capital ratio | 11.1095% | 7,052 |
| Memoranda: | ||
| Average total assets | $660,385,000 | 1,063 |
| Average earning assets | $568,776,750 | 1,122 |
| Average equity | $81,372,000 | 803 |
| Average total loans | $503,940,750 | 968 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8124% | 2,991 |
| Cost of funding earning assets | 2.3698% | 2,080 |
| Net interest margin | 3.4426% | 5,015 |
| Noninterest income to average assets | 0.4289% | 5,045 |
| Noninterest expense to average assets | 2.5928% | 5,768 |
| Loan and lease loss provision to assets | 0.1812% | 5,233 |
| Net operating income to assets | 0.3677% | 4,631 |
| Return on assets (ROA) | 0.4769% | 4,298 |
| Pretax return on assets | 0.7829% | 3,728 |
| Return on Equity (ROE) | 3.9109% | 4,532 |
| Retained earnings to average equity (ytd only) | 3.9109% | 3,107 |
| Net charge-offs to loans | 0.2236% | 4,103 |
| Credit loss provision to net charge-offs | 105.2632% | 4,367 |
| Earnings coverage of net charge-offs (x) | 4.6088% | 3,050 |
| Efficiency ratio | 73.9363% | 4,042 |
| Assets per employee ($millions) | 4.3356% | 3,046 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9374% | 6,615 |
| Loan loss allowance to noncurrent loans | 76.8180% | 3,635 |
| Noncurrent assets plus other real estate owned to assets | 1.4284% | 4,108 |
| Noncurrent loans to loans | 1.2203% | 4,768 |
| Net loans and leases to total assets | 75.2232% | 2,387 |
| Net loans and leases to deposits | 103.2697% | 968 |
| Net loans and leases to core deposits | 136.0541% | 1,204 |
| Total domestic deposits to total assets | 72.8415% | 7,131 |
| Equity capital to assets | 12.3671% | 1,999 |
| Core capital (leverage) ratio | 7.8507% | 6,549 |
| Tier 1 risk-based capital ratio | 9.5665% | 7,336 |
| Total risk-based capital ratio | 10.4852% | 7,573 |
| Memoranda: | ||
| Average total assets | $662,153,000 | 1,075 |
| Average earning assets | $568,816,670 | 1,144 |
| Average equity | $80,748,670 | 815 |
| Average total loans | $509,907,670 | 978 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8125% | 3,239 |
| Cost of funding earning assets | 2.4031% | 2,281 |
| Net interest margin | 3.4094% | 5,102 |
| Noninterest income to average assets | 0.3452% | 5,687 |
| Noninterest expense to average assets | 2.3841% | 6,252 |
| Loan and lease loss provision to assets | 0.1814% | 4,630 |
| Net operating income to assets | 0.4456% | 4,669 |
| Return on assets (ROA) | 0.4456% | 4,842 |
| Pretax return on assets | 0.7050% | 4,423 |
| Return on Equity (ROE) | 3.6802% | 5,096 |
| Retained earnings to average equity (ytd only) | 3.6802% | 3,856 |
| Net charge-offs to loans | 0.1146% | 4,051 |
| Credit loss provision to net charge-offs | 204.0816% | 2,179 |
| Earnings coverage of net charge-offs (x) | 9.9728% | 1,994 |
| Efficiency ratio | 70.1793% | 4,537 |
| Assets per employee ($millions) | 4.1048% | 3,447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9457% | 6,523 |
| Loan loss allowance to noncurrent loans | 70.2378% | 4,088 |
| Noncurrent assets plus other real estate owned to assets | 1.2417% | 4,201 |
| Noncurrent loans to loans | 1.3464% | 4,294 |
| Net loans and leases to total assets | 76.3143% | 2,202 |
| Net loans and leases to deposits | 104.9873% | 943 |
| Net loans and leases to core deposits | 138.2263% | 1,193 |
| Total domestic deposits to total assets | 72.6891% | 7,103 |
| Equity capital to assets | 12.1451% | 2,169 |
| Core capital (leverage) ratio | 7.5809% | 7,049 |
| Tier 1 risk-based capital ratio | 9.1505% | 7,707 |
| Total risk-based capital ratio | 10.0914% | 7,911 |
| Memoranda: | ||
| Average total assets | $661,558,000 | 1,072 |
| Average earning assets | $567,607,000 | 1,151 |
| Average equity | $80,105,000 | 823 |
| Average total loans | $513,006,500 | 974 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8386% | 6,305 |
| Cost of funding earning assets | 2.4362% | 4,541 |
| Net interest margin | 3.4024% | 5,651 |
| Noninterest income to average assets | 0.3685% | 5,755 |
| Noninterest expense to average assets | 2.4197% | 6,329 |
| Loan and lease loss provision to assets | 0.1518% | 5,425 |
| Net operating income to assets | 0.5922% | 4,335 |
| Return on assets (ROA) | 0.5922% | 4,204 |
| Pretax return on assets | 0.8452% | 3,905 |
| Return on Equity (ROE) | 7.7516% | 3,175 |
| Retained earnings to average equity (ytd only) | -17.3549% | 7,586 |
| Net charge-offs to loans | 0.1617% | 4,582 |
| Credit loss provision to net charge-offs | 137.6087% | 3,871 |
| Earnings coverage of net charge-offs (x) | 9.0391% | 2,764 |
| Efficiency ratio | 70.1263% | 4,329 |
| Assets per employee ($millions) | 4.0376% | 3,437 |
| Cash dividends to net income (ytd only)* | 323.8866% | 172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8085% | 7,070 |
| Loan loss allowance to noncurrent loans | 95.9787% | 3,572 |
| Noncurrent assets plus other real estate owned to assets | 0.8112% | 4,817 |
| Noncurrent loans to loans | 0.8423% | 4,947 |
| Net loans and leases to total assets | 77.4217% | 2,283 |
| Net loans and leases to deposits | 106.0120% | 1,121 |
| Net loans and leases to core deposits | 139.7783% | 1,282 |
| Total domestic deposits to total assets | 73.0311% | 6,824 |
| Equity capital to assets | 12.0716% | 2,251 |
| Core capital (leverage) ratio | 7.3073% | 7,409 |
| Tier 1 risk-based capital ratio | 9.1755% | 7,639 |
| Total risk-based capital ratio | 10.0060% | 8,007 |
| Memoranda: | ||
| Average total assets | $417,068,600 | 1,634 |
| Average earning assets | $373,652,400 | 1,663 |
| Average equity | $31,864,200 | 2,121 |
| Average total loans | $284,535,200 | 1,699 |