Home > Midwest Federal Savings and Loan Association of St Joseph > Performance and Condition Ratios
Midwest Federal Savings and Loan Association of St Joseph, Performance and Condition Ratios
| 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 | 4.1246% | 3,645 |
| Cost of funding earning assets | 0.7362% | 1,583 |
| Net interest margin | 3.3884% | 4,325 |
| Noninterest income to average assets | 0.4880% | 3,833 |
| Noninterest expense to average assets | 3.7769% | 1,173 |
| Loan and lease loss provision to assets | 0.0266% | 4,596 |
| Net operating income to assets | -0.0532% | 6,257 |
| Return on assets (ROA) | -0.0532% | 6,289 |
| Pretax return on assets | -0.0621% | 6,265 |
| Return on Equity (ROE) | -0.2862% | 6,281 |
| Retained earnings to average equity (ytd only) | -0.2862% | 5,937 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.9486% | 452 |
| Assets per employee ($millions) | 2.9299% | 5,941 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8068% | 6,156 |
| Loan loss allowance to noncurrent loans | 119.7080% | 3,164 |
| Noncurrent assets plus other real estate owned to assets | 0.4251% | 4,979 |
| Noncurrent loans to loans | 0.6739% | 4,290 |
| Net loans and leases to total assets | 62.5648% | 3,282 |
| Net loans and leases to deposits | 77.5210% | 2,787 |
| Net loans and leases to core deposits | 78.5294% | 3,296 |
| Total domestic deposits to total assets | 80.7068% | 5,264 |
| Equity capital to assets | 19.0357% | 259 |
| Core capital (leverage) ratio | 19.3087% | 227 |
| Tier 1 risk-based capital ratio | 33.6615% | 376 |
| Total risk-based capital ratio | 34.5486% | 382 |
| Memoranda: | ||
| Average total assets | $33,810,600 | 6,435 |
| Average earning assets | $32,463,800 | 6,390 |
| Average equity | $6,288,800 | 5,744 |
| Average total loans | $20,514,400 | 6,173 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1554% | 3,548 |
| Cost of funding earning assets | 0.7791% | 1,434 |
| Net interest margin | 3.3763% | 4,378 |
| Noninterest income to average assets | 0.5262% | 3,620 |
| Noninterest expense to average assets | 3.5548% | 1,485 |
| Loan and lease loss provision to assets | 0.0351% | 4,314 |
| Net operating income to assets | 0.1520% | 6,032 |
| Return on assets (ROA) | 0.1520% | 6,100 |
| Pretax return on assets | 0.1793% | 6,072 |
| Return on Equity (ROE) | 0.8218% | 6,209 |
| Retained earnings to average equity (ytd only) | 0.8218% | 5,652 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.3123% | 720 |
| Assets per employee ($millions) | 2.9920% | 5,861 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8364% | 6,207 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 59.0757% | 3,842 |
| Net loans and leases to deposits | 73.0226% | 3,400 |
| Net loans and leases to core deposits | 73.9503% | 3,853 |
| Total domestic deposits to total assets | 80.9006% | 5,240 |
| Equity capital to assets | 18.9080% | 262 |
| Core capital (leverage) ratio | 19.0812% | 235 |
| Tier 1 risk-based capital ratio | 36.0071% | 311 |
| Total risk-based capital ratio | 36.9474% | 314 |
| Memoranda: | ||
| Average total assets | $34,206,000 | 6,502 |
| Average earning assets | $32,856,000 | 6,449 |
| Average equity | $6,327,250 | 5,804 |
| Average total loans | $20,561,000 | 6,235 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1956% | 3,387 |
| Cost of funding earning assets | 0.8115% | 1,362 |
| Net interest margin | 3.3841% | 4,248 |
| Noninterest income to average assets | 0.6121% | 3,120 |
| Noninterest expense to average assets | 3.3143% | 2,034 |
| Loan and lease loss provision to assets | 0.0520% | 3,947 |
| Net operating income to assets | 0.4735% | 4,911 |
| Return on assets (ROA) | 0.4735% | 5,091 |
| Pretax return on assets | 0.4966% | 5,391 |
| Return on Equity (ROE) | 2.5778% | 5,770 |
| Retained earnings to average equity (ytd only) | 2.5778% | 4,664 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.7997% | 1,434 |
| Assets per employee ($millions) | 3.8253% | 4,159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8194% | 6,321 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 57.6595% | 4,037 |
| Net loans and leases to deposits | 70.6793% | 3,627 |
| Net loans and leases to core deposits | 71.5300% | 4,107 |
| Total domestic deposits to total assets | 81.5789% | 5,188 |
| Equity capital to assets | 18.2671% | 304 |
| Core capital (leverage) ratio | 18.3659% | 263 |
| Tier 1 risk-based capital ratio | 34.1452% | 365 |
| Total risk-based capital ratio | 35.0308% | 371 |
| Memoranda: | ||
| Average total assets | $34,637,330 | 6,535 |
| Average earning assets | $33,273,330 | 6,491 |
| Average equity | $6,362,000 | 5,834 |
| Average total loans | $20,879,000 | 6,259 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2788% | 2,986 |
| Cost of funding earning assets | 0.8150% | 1,447 |
| Net interest margin | 3.4638% | 3,843 |
| Noninterest income to average assets | 0.7944% | 2,147 |
| Noninterest expense to average assets | 3.1777% | 2,424 |
| Loan and lease loss provision to assets | 0.0691% | 3,478 |
| Net operating income to assets | 0.8750% | 2,778 |
| Return on assets (ROA) | 0.8750% | 2,932 |
| Pretax return on assets | 0.8750% | 3,854 |
| Return on Equity (ROE) | 4.7511% | 4,711 |
| Retained earnings to average equity (ytd only) | 4.7511% | 3,387 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0950% | 2,741 |
| Assets per employee ($millions) | 3.8159% | 4,323 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7711% | 6,502 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 60.3238% | 3,373 |
| Net loans and leases to deposits | 74.3264% | 2,880 |
| Net loans and leases to core deposits | 75.2251% | 3,431 |
| Total domestic deposits to total assets | 81.1606% | 5,460 |
| Equity capital to assets | 18.6559% | 292 |
| Core capital (leverage) ratio | 18.3909% | 264 |
| Tier 1 risk-based capital ratio | 33.2141% | 406 |
| Total risk-based capital ratio | 34.0608% | 408 |
| Memoranda: | ||
| Average total assets | $34,742,000 | 6,597 |
| Average earning assets | $33,374,000 | 6,546 |
| Average equity | $6,398,500 | 5,886 |
| Average total loans | $21,311,000 | 6,297 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1054% | 4,932 |
| Cost of funding earning assets | 0.9604% | 1,583 |
| Net interest margin | 3.1450% | 5,709 |
| Noninterest income to average assets | 0.2618% | 5,595 |
| Noninterest expense to average assets | 3.0958% | 2,935 |
| Loan and lease loss provision to assets | 0.0825% | 4,667 |
| Net operating income to assets | 0.1167% | 5,978 |
| Return on assets (ROA) | 0.1167% | 6,119 |
| Pretax return on assets | 0.1024% | 6,157 |
| Return on Equity (ROE) | 0.6463% | 6,193 |
| Retained earnings to average equity (ytd only) | 0.6463% | 5,538 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.3625% | 780 |
| Assets per employee ($millions) | 3.1946% | 5,633 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7128% | 6,617 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 61.4354% | 3,348 |
| Net loans and leases to deposits | 75.2335% | 2,916 |
| Net loans and leases to core deposits | 75.2335% | 3,627 |
| Total domestic deposits to total assets | 81.6596% | 5,207 |
| Equity capital to assets | 18.1839% | 311 |
| Core capital (leverage) ratio | 17.7599% | 298 |
| Tier 1 risk-based capital ratio | 31.3130% | 458 |
| Total risk-based capital ratio | 32.0907% | 468 |
| Memoranda: | ||
| Average total assets | $35,144,200 | 6,625 |
| Average earning assets | $33,736,200 | 6,563 |
| Average equity | $6,343,400 | 5,931 |
| Average total loans | $20,542,600 | 6,399 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0634% | 5,311 |
| Cost of funding earning assets | 0.9882% | 1,635 |
| Net interest margin | 3.0752% | 5,995 |
| Noninterest income to average assets | 0.2732% | 5,599 |
| Noninterest expense to average assets | 3.1602% | 2,680 |
| Loan and lease loss provision to assets | 0.1100% | 4,195 |
| Net operating income to assets | -0.0265% | 6,316 |
| Return on assets (ROA) | -0.0265% | 6,436 |
| Pretax return on assets | -0.0455% | 6,441 |
| Return on Equity (ROE) | -0.1474% | 6,422 |
| Retained earnings to average equity (ytd only) | -0.1474% | 6,108 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.0000% | 602 |
| Assets per employee ($millions) | 3.5335% | 4,899 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7175% | 6,727 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 60.6990% | 3,633 |
| Net loans and leases to deposits | 74.2556% | 3,245 |
| Net loans and leases to core deposits | 74.2556% | 3,947 |
| Total domestic deposits to total assets | 81.7433% | 5,106 |
| Equity capital to assets | 18.0076% | 365 |
| Core capital (leverage) ratio | 17.5237% | 330 |
| Tier 1 risk-based capital ratio | 31.1940% | 473 |
| Total risk-based capital ratio | 31.9748% | 483 |
| Memoranda: | ||
| Average total assets | $35,145,000 | 6,712 |
| Average earning assets | $33,731,000 | 6,650 |
| Average equity | $6,331,750 | 6,000 |
| Average total loans | $20,242,250 | 6,502 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0311% | 5,549 |
| Cost of funding earning assets | 1.0211% | 1,643 |
| Net interest margin | 3.0100% | 6,222 |
| Noninterest income to average assets | 0.3079% | 5,351 |
| Noninterest expense to average assets | 3.1868% | 2,637 |
| Loan and lease loss provision to assets | 0.0969% | 4,326 |
| Net operating income to assets | -0.0570% | 6,391 |
| Return on assets (ROA) | -0.0570% | 6,510 |
| Pretax return on assets | -0.0855% | 6,512 |
| Return on Equity (ROE) | -0.3164% | 6,483 |
| Retained earnings to average equity (ytd only) | -0.3164% | 6,089 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.6435% | 576 |
| Assets per employee ($millions) | 3.5048% | 4,974 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6816% | 6,846 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 59.4499% | 3,924 |
| Net loans and leases to deposits | 72.7159% | 3,495 |
| Net loans and leases to core deposits | 72.7159% | 4,210 |
| Total domestic deposits to total assets | 81.7564% | 5,215 |
| Equity capital to assets | 18.0781% | 334 |
| Core capital (leverage) ratio | 17.6558% | 311 |
| Tier 1 risk-based capital ratio | 32.7390% | 413 |
| Total risk-based capital ratio | 33.4956% | 425 |
| Memoranda: | ||
| Average total assets | $35,081,670 | 6,765 |
| Average earning assets | $33,688,000 | 6,695 |
| Average equity | $6,321,330 | 6,038 |
| Average total loans | $19,788,670 | 6,572 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8938% | 6,031 |
| Cost of funding earning assets | 1.0684% | 1,568 |
| Net interest margin | 2.8254% | 6,595 |
| Noninterest income to average assets | 0.2393% | 5,914 |
| Noninterest expense to average assets | 3.1340% | 2,807 |
| Loan and lease loss provision to assets | 0.1368% | 3,640 |
| Net operating income to assets | -0.3191% | 6,717 |
| Return on assets (ROA) | -0.2963% | 6,745 |
| Pretax return on assets | -0.2963% | 6,727 |
| Return on Equity (ROE) | -1.6471% | 6,662 |
| Retained earnings to average equity (ytd only) | -1.6471% | 6,235 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.1776% | 403 |
| Assets per employee ($millions) | 3.5245% | 5,065 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6637% | 6,920 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 58.6069% | 3,941 |
| Net loans and leases to deposits | 71.4963% | 3,509 |
| Net loans and leases to core deposits | 71.4963% | 4,224 |
| Total domestic deposits to total assets | 81.9719% | 5,307 |
| Equity capital to assets | 17.8806% | 345 |
| Core capital (leverage) ratio | 17.4344% | 326 |
| Tier 1 risk-based capital ratio | 32.8806% | 398 |
| Total risk-based capital ratio | 33.6156% | 410 |
| Memoranda: | ||
| Average total assets | $35,098,500 | 6,821 |
| Average earning assets | $33,694,500 | 6,750 |
| Average equity | $6,314,000 | 6,066 |
| Average total loans | $19,193,500 | 6,646 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5864% | 6,940 |
| Cost of funding earning assets | 1.3842% | 1,104 |
| Net interest margin | 2.2022% | 7,173 |
| Noninterest income to average assets | 0.1927% | 6,121 |
| Noninterest expense to average assets | 3.1687% | 2,973 |
| Loan and lease loss provision to assets | 0.0661% | 5,786 |
| Net operating income to assets | -0.9144% | 6,705 |
| Return on assets (ROA) | -0.9144% | 6,732 |
| Pretax return on assets | -0.9287% | 6,704 |
| Return on Equity (ROE) | -4.9414% | 6,525 |
| Retained earnings to average equity (ytd only) | -4.9414% | 6,443 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 137.4065% | 192 |
| Assets per employee ($millions) | 3.4952% | 5,022 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7162% | 6,885 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 49.9743% | 5,584 |
| Net loans and leases to deposits | 61.1162% | 5,354 |
| Net loans and leases to core deposits | 61.1162% | 5,741 |
| Total domestic deposits to total assets | 81.7693% | 5,201 |
| Equity capital to assets | 18.0991% | 342 |
| Core capital (leverage) ratio | 17.8202% | 310 |
| Tier 1 risk-based capital ratio | 40.2650% | 225 |
| Total risk-based capital ratio | 41.0833% | 228 |
| Memoranda: | ||
| Average total assets | $34,778,000 | 6,835 |
| Average earning assets | $33,375,800 | 6,769 |
| Average equity | $6,435,400 | 6,032 |
| Average total loans | $16,658,000 | 6,816 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5525% | 7,057 |
| Cost of funding earning assets | 1.4322% | 1,094 |
| Net interest margin | 2.1203% | 7,284 |
| Noninterest income to average assets | 0.1843% | 6,276 |
| Noninterest expense to average assets | 3.1975% | 2,839 |
| Loan and lease loss provision to assets | 0.0768% | 5,485 |
| Net operating income to assets | -1.0402% | 6,902 |
| Return on assets (ROA) | -1.0402% | 6,927 |
| Pretax return on assets | -1.0556% | 6,893 |
| Return on Equity (ROE) | -5.5908% | 6,701 |
| Retained earnings to average equity (ytd only) | -5.5908% | 6,623 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 144.1176% | 167 |
| Assets per employee ($millions) | 3.5972% | 4,766 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7067% | 6,949 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 48.0457% | 5,948 |
| Net loans and leases to deposits | 58.5349% | 5,790 |
| Net loans and leases to core deposits | 58.5349% | 6,089 |
| Total domestic deposits to total assets | 82.0805% | 5,061 |
| Equity capital to assets | 17.6943% | 426 |
| Core capital (leverage) ratio | 17.4390% | 367 |
| Tier 1 risk-based capital ratio | 41.0393% | 229 |
| Total risk-based capital ratio | 41.8473% | 234 |
| Memoranda: | ||
| Average total assets | $34,734,500 | 6,900 |
| Average earning assets | $33,328,000 | 6,832 |
| Average equity | $6,462,750 | 6,069 |
| Average total loans | $16,424,250 | 6,894 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5306% | 7,144 |
| Cost of funding earning assets | 1.4645% | 1,146 |
| Net interest margin | 2.0661% | 7,353 |
| Noninterest income to average assets | 0.1690% | 6,454 |
| Noninterest expense to average assets | 3.2224% | 2,825 |
| Loan and lease loss provision to assets | 0.1107% | 4,912 |
| Net operating income to assets | -1.1596% | 6,992 |
| Return on assets (ROA) | -1.1596% | 6,997 |
| Pretax return on assets | -1.1829% | 6,959 |
| Return on Equity (ROE) | -6.1275% | 6,788 |
| Retained earnings to average equity (ytd only) | -6.1275% | 6,665 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 149.8645% | 151 |
| Assets per employee ($millions) | 3.5663% | 4,769 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7067% | 7,008 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 48.0638% | 6,041 |
| Net loans and leases to deposits | 58.7544% | 5,851 |
| Net loans and leases to core deposits | 59.5939% | 6,126 |
| Total domestic deposits to total assets | 81.8047% | 5,234 |
| Equity capital to assets | 18.0327% | 379 |
| Core capital (leverage) ratio | 17.7890% | 353 |
| Tier 1 risk-based capital ratio | 42.4436% | 208 |
| Total risk-based capital ratio | 43.2630% | 213 |
| Memoranda: | ||
| Average total assets | $34,322,000 | 6,979 |
| Average earning assets | $32,912,670 | 6,908 |
| Average equity | $6,495,330 | 6,084 |
| Average total loans | $16,097,000 | 6,976 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4466% | 7,237 |
| Cost of funding earning assets | 1.5125% | 1,116 |
| Net interest margin | 1.9341% | 7,424 |
| Noninterest income to average assets | 0.1308% | 6,763 |
| Noninterest expense to average assets | 3.2094% | 2,868 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -1.2243% | 7,110 |
| Return on assets (ROA) | -1.2243% | 7,112 |
| Pretax return on assets | -1.2243% | 7,069 |
| Return on Equity (ROE) | -6.3118% | 6,881 |
| Retained earnings to average equity (ytd only) | -6.3118% | 6,616 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 161.6766% | 120 |
| Assets per employee ($millions) | 3.4326% | 5,159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6626% | 7,124 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 44.9863% | 6,387 |
| Net loans and leases to deposits | 55.5468% | 6,168 |
| Net loans and leases to core deposits | 56.3762% | 6,387 |
| Total domestic deposits to total assets | 80.9882% | 5,658 |
| Equity capital to assets | 18.8778% | 314 |
| Core capital (leverage) ratio | 18.7332% | 284 |
| Tier 1 risk-based capital ratio | 48.0921% | 152 |
| Total risk-based capital ratio | 48.8642% | 155 |
| Memoranda: | ||
| Average total assets | $33,651,500 | 7,046 |
| Average earning assets | $32,263,500 | 6,978 |
| Average equity | $6,527,500 | 6,085 |
| Average total loans | $15,514,000 | 7,061 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1145% | 7,029 |
| Cost of funding earning assets | 1.6187% | 1,960 |
| Net interest margin | 2.4958% | 7,274 |
| Noninterest income to average assets | 0.1598% | 6,575 |
| Noninterest expense to average assets | 3.5461% | 2,061 |
| Loan and lease loss provision to assets | 0.1522% | 5,679 |
| Net operating income to assets | -1.0806% | 6,730 |
| Return on assets (ROA) | -1.0806% | 6,757 |
| Pretax return on assets | -1.1567% | 6,720 |
| Return on Equity (ROE) | -4.1966% | 6,371 |
| Retained earnings to average equity (ytd only) | -4.1966% | 6,219 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 139.5210% | 262 |
| Assets per employee ($millions) | 3.2977% | 5,433 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6652% | 7,183 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 46.6386% | 6,505 |
| Net loans and leases to deposits | 58.3216% | 6,223 |
| Net loans and leases to core deposits | 58.3216% | 6,534 |
| Total domestic deposits to total assets | 79.9679% | 5,844 |
| Equity capital to assets | 19.9381% | 264 |
| Core capital (leverage) ratio | 19.8085% | 242 |
| Tier 1 risk-based capital ratio | 49.7709% | 149 |
| Total risk-based capital ratio | 50.5574% | 148 |
| Memoranda: | ||
| Average total assets | $26,282,600 | 7,310 |
| Average earning assets | $25,081,800 | 7,254 |
| Average equity | $6,767,400 | 6,113 |
| Average total loans | $14,097,400 | 7,204 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3540% | 6,887 |
| Cost of funding earning assets | 1.6427% | 2,145 |
| Net interest margin | 2.7113% | 7,220 |
| Noninterest income to average assets | 0.1138% | 6,978 |
| Noninterest expense to average assets | 3.5541% | 1,898 |
| Loan and lease loss provision to assets | 0.1951% | 5,087 |
| Net operating income to assets | -0.9536% | 6,875 |
| Return on assets (ROA) | -0.9536% | 6,918 |
| Pretax return on assets | -1.0511% | 6,887 |
| Return on Equity (ROE) | -3.4430% | 6,531 |
| Retained earnings to average equity (ytd only) | -3.4430% | 6,399 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 131.7269% | 288 |
| Assets per employee ($millions) | 2.8506% | 6,481 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6742% | 7,245 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 51.1647% | 6,203 |
| Net loans and leases to deposits | 67.1748% | 5,525 |
| Net loans and leases to core deposits | 67.1748% | 6,019 |
| Total domestic deposits to total assets | 76.1664% | 6,624 |
| Equity capital to assets | 23.5705% | 152 |
| Core capital (leverage) ratio | 23.3408% | 145 |
| Tier 1 risk-based capital ratio | 55.7697% | 129 |
| Total risk-based capital ratio | 56.6030% | 127 |
| Memoranda: | ||
| Average total assets | $24,609,000 | 7,453 |
| Average earning assets | $23,456,750 | 7,396 |
| Average equity | $6,815,500 | 6,174 |
| Average total loans | $13,751,000 | 7,310 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5860% | 6,498 |
| Cost of funding earning assets | 1.6782% | 2,240 |
| Net interest margin | 2.9077% | 6,998 |
| Noninterest income to average assets | 0.1115% | 7,048 |
| Noninterest expense to average assets | 3.4148% | 2,224 |
| Loan and lease loss provision to assets | 0.3089% | 3,912 |
| Net operating income to assets | -0.7636% | 6,842 |
| Return on assets (ROA) | -0.7636% | 6,858 |
| Pretax return on assets | -0.8323% | 6,801 |
| Return on Equity (ROE) | -2.5994% | 6,474 |
| Retained earnings to average equity (ytd only) | -2.5994% | 6,237 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 118.1009% | 438 |
| Assets per employee ($millions) | 3.0364% | 6,064 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6868% | 7,272 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 58.9313% | 5,259 |
| Net loans and leases to deposits | 82.3458% | 3,211 |
| Net loans and leases to core deposits | 82.3458% | 4,365 |
| Total domestic deposits to total assets | 71.5656% | 7,217 |
| Equity capital to assets | 28.0310% | 101 |
| Core capital (leverage) ratio | 27.7741% | 97 |
| Tier 1 risk-based capital ratio | 62.0712% | 100 |
| Total risk-based capital ratio | 62.9866% | 100 |
| Memoranda: | ||
| Average total assets | $23,310,000 | 7,550 |
| Average earning assets | $22,285,330 | 7,496 |
| Average equity | $6,847,670 | 6,190 |
| Average total loans | $13,440,000 | 7,379 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5270% | 6,738 |
| Cost of funding earning assets | 1.6908% | 2,437 |
| Net interest margin | 2.8362% | 7,129 |
| Noninterest income to average assets | 0.1052% | 7,178 |
| Noninterest expense to average assets | 3.1201% | 3,185 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | -0.2629% | 6,613 |
| Return on assets (ROA) | -0.2629% | 6,678 |
| Pretax return on assets | -0.2805% | 6,620 |
| Return on Equity (ROE) | -0.8737% | 6,509 |
| Retained earnings to average equity (ytd only) | -0.8737% | 6,021 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.8765% | 602 |
| Assets per employee ($millions) | 3.8997% | 4,096 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4842% | 7,604 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 55.3423% | 5,838 |
| Net loans and leases to deposits | 78.5311% | 3,936 |
| Net loans and leases to core deposits | 78.5311% | 4,958 |
| Total domestic deposits to total assets | 70.4718% | 7,378 |
| Equity capital to assets | 29.3187% | 88 |
| Core capital (leverage) ratio | 29.1225% | 89 |
| Tier 1 risk-based capital ratio | 71.3295% | 79 |
| Total risk-based capital ratio | 71.9916% | 78 |
| Memoranda: | ||
| Average total assets | $22,819,500 | 7,658 |
| Average earning assets | $22,001,500 | 7,598 |
| Average equity | $6,867,000 | 6,236 |
| Average total loans | $12,953,000 | 7,499 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7570% | 7,035 |
| Cost of funding earning assets | 1.9560% | 3,184 |
| Net interest margin | 2.8010% | 7,060 |
| Noninterest income to average assets | 0.1064% | 7,231 |
| Noninterest expense to average assets | 3.1393% | 3,588 |
| Loan and lease loss provision to assets | 0.1818% | 5,882 |
| Net operating income to assets | -0.4877% | 6,164 |
| Return on assets (ROA) | -0.4877% | 6,159 |
| Pretax return on assets | -0.5543% | 6,058 |
| Return on Equity (ROE) | -1.7352% | 5,813 |
| Retained earnings to average equity (ytd only) | -1.7352% | 5,442 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 113.4615% | 728 |
| Assets per employee ($millions) | 4.4482% | 3,016 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4886% | 7,676 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 57.6908% | 5,706 |
| Net loans and leases to deposits | 83.7150% | 3,330 |
| Net loans and leases to core deposits | 97.8420% | 4,238 |
| Total domestic deposits to total assets | 68.9133% | 7,492 |
| Equity capital to assets | 30.9069% | 94 |
| Core capital (leverage) ratio | 30.7102% | 94 |
| Tier 1 risk-based capital ratio | 73.4795% | 81 |
| Total risk-based capital ratio | 74.1601% | 81 |
| Memoranda: | ||
| Average total assets | $22,552,600 | 7,714 |
| Average earning assets | $21,421,200 | 7,667 |
| Average equity | $6,339,200 | 6,483 |
| Average total loans | $11,490,000 | 7,630 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7627% | 7,183 |
| Cost of funding earning assets | 2.0083% | 3,320 |
| Net interest margin | 2.7544% | 7,127 |
| Noninterest income to average assets | 0.1061% | 7,377 |
| Noninterest expense to average assets | 3.1284% | 3,543 |
| Loan and lease loss provision to assets | 0.1237% | 6,116 |
| Net operating income to assets | -0.4654% | 6,392 |
| Return on assets (ROA) | -0.4654% | 6,397 |
| Pretax return on assets | -0.5361% | 6,343 |
| Return on Equity (ROE) | -1.6974% | 6,053 |
| Retained earnings to average equity (ytd only) | -1.6974% | 5,658 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 115.1844% | 671 |
| Assets per employee ($millions) | 4.4682% | 2,909 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3545% | 7,863 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 54.0978% | 6,369 |
| Net loans and leases to deposits | 78.7310% | 4,612 |
| Net loans and leases to core deposits | 91.1532% | 5,316 |
| Total domestic deposits to total assets | 68.7122% | 7,512 |
| Equity capital to assets | 31.0371% | 105 |
| Core capital (leverage) ratio | 30.7239% | 120 |
| Tier 1 risk-based capital ratio | 77.0176% | 77 |
| Total risk-based capital ratio | 77.5023% | 77 |
| Memoranda: | ||
| Average total assets | $22,630,500 | 7,781 |
| Average earning assets | $21,443,750 | 7,732 |
| Average equity | $6,205,500 | 6,594 |
| Average total loans | $11,139,000 | 7,730 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7072% | 7,378 |
| Cost of funding earning assets | 2.0214% | 3,673 |
| Net interest margin | 2.6858% | 7,231 |
| Noninterest income to average assets | 0.0352% | 7,812 |
| Noninterest expense to average assets | 3.2384% | 3,199 |
| Loan and lease loss provision to assets | 0.1496% | 5,576 |
| Net operating income to assets | -0.6512% | 6,706 |
| Return on assets (ROA) | -0.6512% | 6,711 |
| Pretax return on assets | -0.8272% | 6,697 |
| Return on Equity (ROE) | -2.4821% | 6,295 |
| Retained earnings to average equity (ytd only) | -2.4821% | 5,859 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 126.4605% | 563 |
| Assets per employee ($millions) | 4.5396% | 2,712 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3345% | 7,963 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 51.1983% | 6,763 |
| Net loans and leases to deposits | 73.9438% | 5,460 |
| Net loans and leases to core deposits | 87.5141% | 5,765 |
| Total domestic deposits to total assets | 69.2396% | 7,532 |
| Equity capital to assets | 30.4873% | 131 |
| Core capital (leverage) ratio | 30.2441% | 142 |
| Tier 1 risk-based capital ratio | 77.5950% | 87 |
| Total risk-based capital ratio | 78.0374% | 88 |
| Memoranda: | ||
| Average total assets | $22,727,000 | 7,857 |
| Average earning assets | $21,371,670 | 7,811 |
| Average equity | $5,962,670 | 6,732 |
| Average total loans | $10,809,000 | 7,825 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7356% | 7,453 |
| Cost of funding earning assets | 2.0079% | 4,088 |
| Net interest margin | 2.7277% | 7,143 |
| Noninterest income to average assets | 0.0528% | 7,815 |
| Noninterest expense to average assets | 3.4474% | 2,238 |
| Loan and lease loss provision to assets | 0.1407% | 5,142 |
| Net operating income to assets | -0.9146% | 7,204 |
| Return on assets (ROA) | -0.9146% | 7,229 |
| Pretax return on assets | -1.0026% | 7,157 |
| Return on Equity (ROE) | -3.7929% | 6,869 |
| Retained earnings to average equity (ytd only) | -3.7929% | 6,399 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 133.3333% | 472 |
| Assets per employee ($millions) | 4.7374% | 2,382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2803% | 8,045 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 45.0542% | 7,259 |
| Net loans and leases to deposits | 58.7568% | 6,989 |
| Net loans and leases to core deposits | 67.1406% | 7,187 |
| Total domestic deposits to total assets | 76.6792% | 6,368 |
| Equity capital to assets | 23.0633% | 274 |
| Core capital (leverage) ratio | 22.8052% | 288 |
| Tier 1 risk-based capital ratio | 59.1399% | 141 |
| Total risk-based capital ratio | 59.4699% | 144 |
| Memoranda: | ||
| Average total assets | $22,741,500 | 7,903 |
| Average earning assets | $21,116,500 | 7,870 |
| Average equity | $5,484,000 | 6,952 |
| Average total loans | $10,383,500 | 7,892 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0928% | 7,776 |
| Cost of funding earning assets | 2.4306% | 4,569 |
| Net interest margin | 2.6621% | 7,558 |
| Noninterest income to average assets | 0.0367% | 7,956 |
| Noninterest expense to average assets | 2.9641% | 4,208 |
| Loan and lease loss provision to assets | 0.0209% | 7,129 |
| Net operating income to assets | -0.3718% | 6,794 |
| Return on assets (ROA) | -0.3718% | 6,672 |
| Pretax return on assets | -0.4190% | 6,561 |
| Return on Equity (ROE) | -1.2925% | 6,401 |
| Retained earnings to average equity (ytd only) | -1.2925% | 5,679 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 115.5102% | 619 |
| Assets per employee ($millions) | 4.3592% | 2,863 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2186% | 8,150 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 46.0773% | 7,323 |
| Net loans and leases to deposits | 61.8373% | 6,957 |
| Net loans and leases to core deposits | 70.8351% | 7,141 |
| Total domestic deposits to total assets | 74.5137% | 6,550 |
| Equity capital to assets | 25.2569% | 263 |
| Core capital (leverage) ratio | 24.9954% | 265 |
| Tier 1 risk-based capital ratio | 65.2759% | 135 |
| Total risk-based capital ratio | 65.5405% | 137 |
| Memoranda: | ||
| Average total assets | $19,095,000 | 8,046 |
| Average earning assets | $18,143,400 | 8,002 |
| Average equity | $5,493,200 | 6,979 |
| Average total loans | $9,843,200 | 7,950 |