Home > Peoples Federal Savings Bank > Performance and Condition Ratios
Peoples Federal Savings Bank, Performance and Condition Ratios
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6139% | 5,050 |
| Cost of funding earning assets | 0.4762% | 2,924 |
| Net interest margin | 3.1377% | 5,105 |
| Noninterest income to average assets | 0.2634% | 5,245 |
| Noninterest expense to average assets | 2.0624% | 5,655 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.6608% | 4,085 |
| Return on assets (ROA) | 0.6611% | 4,182 |
| Pretax return on assets | 1.1288% | 2,972 |
| Return on Equity (ROE) | 4.3279% | 4,968 |
| Retained earnings to average equity (ytd only) | 4.3279% | 3,111 |
| Net charge-offs to loans | -0.0008% | 5,335 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6380% | 4,472 |
| Assets per employee ($millions) | 7.7404% | 595 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8297% | 5,693 |
| Loan loss allowance to noncurrent loans | 154.3153% | 2,751 |
| Noncurrent assets plus other real estate owned to assets | 0.4374% | 4,363 |
| Noncurrent loans to loans | 0.5377% | 4,045 |
| Net loans and leases to total assets | 80.6784% | 650 |
| Net loans and leases to deposits | 109.5850% | 251 |
| Net loans and leases to core deposits | 114.7898% | 563 |
| Total domestic deposits to total assets | 73.6218% | 5,974 |
| Equity capital to assets | 15.6773% | 580 |
| Core capital (leverage) ratio | 15.6750% | 505 |
| Tier 1 risk-based capital ratio | 24.8239% | 850 |
| Total risk-based capital ratio | 25.8929% | 856 |
| Memoranda: | ||
| Average total assets | $597,900,800 | 1,110 |
| Average earning assets | $557,792,000 | 1,091 |
| Average equity | $91,336,600 | 806 |
| Average total loans | $488,224,000 | 915 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6289% | 5,070 |
| Cost of funding earning assets | 0.4781% | 2,976 |
| Net interest margin | 3.1508% | 5,117 |
| Noninterest income to average assets | 0.2647% | 5,316 |
| Noninterest expense to average assets | 2.0733% | 5,635 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.6959% | 3,959 |
| Return on assets (ROA) | 0.6963% | 4,052 |
| Pretax return on assets | 1.1317% | 3,061 |
| Return on Equity (ROE) | 4.5882% | 4,913 |
| Retained earnings to average equity (ytd only) | 4.5882% | 3,372 |
| Net charge-offs to loans | -0.0019% | 5,186 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7034% | 4,431 |
| Assets per employee ($millions) | 7.9039% | 546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8201% | 5,825 |
| Loan loss allowance to noncurrent loans | 221.0873% | 1,997 |
| Noncurrent assets plus other real estate owned to assets | 0.3031% | 5,050 |
| Noncurrent loans to loans | 0.3710% | 4,797 |
| Net loans and leases to total assets | 81.0518% | 599 |
| Net loans and leases to deposits | 109.7188% | 227 |
| Net loans and leases to core deposits | 115.9423% | 508 |
| Total domestic deposits to total assets | 73.8722% | 6,027 |
| Equity capital to assets | 15.3984% | 655 |
| Core capital (leverage) ratio | 15.4020% | 560 |
| Tier 1 risk-based capital ratio | 24.2828% | 955 |
| Total risk-based capital ratio | 25.3394% | 963 |
| Memoranda: | ||
| Average total assets | $598,374,000 | 1,117 |
| Average earning assets | $558,282,750 | 1,094 |
| Average equity | $90,811,250 | 814 |
| Average total loans | $489,061,750 | 918 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6309% | 5,066 |
| Cost of funding earning assets | 0.4759% | 3,058 |
| Net interest margin | 3.1551% | 5,076 |
| Noninterest income to average assets | 0.2671% | 5,293 |
| Noninterest expense to average assets | 2.1037% | 5,615 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.6864% | 3,916 |
| Return on assets (ROA) | 0.6871% | 4,004 |
| Pretax return on assets | 1.1111% | 3,056 |
| Return on Equity (ROE) | 4.5496% | 4,890 |
| Retained earnings to average equity (ytd only) | 4.5496% | 3,274 |
| Net charge-offs to loans | -0.0016% | 5,050 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4587% | 4,452 |
| Assets per employee ($millions) | 7.5659% | 600 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8088% | 5,953 |
| Loan loss allowance to noncurrent loans | 263.9764% | 1,686 |
| Noncurrent assets plus other real estate owned to assets | 0.2518% | 5,336 |
| Noncurrent loans to loans | 0.3064% | 5,096 |
| Net loans and leases to total assets | 81.5147% | 519 |
| Net loans and leases to deposits | 111.2907% | 179 |
| Net loans and leases to core deposits | 117.9041% | 425 |
| Total domestic deposits to total assets | 73.2449% | 6,171 |
| Equity capital to assets | 15.1003% | 679 |
| Core capital (leverage) ratio | 15.0977% | 592 |
| Tier 1 risk-based capital ratio | 23.4773% | 1,049 |
| Total risk-based capital ratio | 24.5109% | 1,059 |
| Memoranda: | ||
| Average total assets | $597,600,670 | 1,116 |
| Average earning assets | $558,151,000 | 1,094 |
| Average equity | $90,249,330 | 814 |
| Average total loans | $488,449,330 | 913 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6257% | 5,083 |
| Cost of funding earning assets | 0.4703% | 3,227 |
| Net interest margin | 3.1553% | 5,071 |
| Noninterest income to average assets | 0.2883% | 5,066 |
| Noninterest expense to average assets | 2.1436% | 5,593 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6784% | 3,795 |
| Return on assets (ROA) | 0.6797% | 3,864 |
| Pretax return on assets | 1.0934% | 2,936 |
| Return on Equity (ROE) | 4.5007% | 4,786 |
| Retained earnings to average equity (ytd only) | 4.5007% | 3,419 |
| Net charge-offs to loans | -0.0091% | 5,020 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2641% | 4,491 |
| Assets per employee ($millions) | 7.5022% | 629 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8166% | 6,064 |
| Loan loss allowance to noncurrent loans | 228.8472% | 1,857 |
| Noncurrent assets plus other real estate owned to assets | 0.2934% | 5,280 |
| Noncurrent loans to loans | 0.3568% | 5,051 |
| Net loans and leases to total assets | 81.5543% | 392 |
| Net loans and leases to deposits | 110.6434% | 143 |
| Net loans and leases to core deposits | 116.8236% | 389 |
| Total domestic deposits to total assets | 73.7092% | 6,266 |
| Equity capital to assets | 15.0335% | 666 |
| Core capital (leverage) ratio | 15.0386% | 599 |
| Tier 1 risk-based capital ratio | 23.4338% | 1,084 |
| Total risk-based capital ratio | 24.4801% | 1,093 |
| Memoranda: | ||
| Average total assets | $593,765,500 | 1,129 |
| Average earning assets | $554,488,500 | 1,110 |
| Average equity | $89,675,000 | 819 |
| Average total loans | $483,970,000 | 925 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5697% | 5,483 |
| Cost of funding earning assets | 0.5122% | 3,479 |
| Net interest margin | 3.0576% | 5,436 |
| Noninterest income to average assets | 0.2992% | 5,208 |
| Noninterest expense to average assets | 2.0708% | 5,895 |
| Loan and lease loss provision to assets | 0.0138% | 4,848 |
| Net operating income to assets | 0.6615% | 3,976 |
| Return on assets (ROA) | 0.6615% | 4,079 |
| Pretax return on assets | 1.0640% | 3,094 |
| Return on Equity (ROE) | 4.4037% | 4,938 |
| Retained earnings to average equity (ytd only) | 4.4037% | 3,044 |
| Net charge-offs to loans | 0.0147% | 5,154 |
| Credit loss provision to net charge-offs | 117.6471% | 2,046 |
| Earnings coverage of net charge-offs (x) | 91.9118% | 493 |
| Efficiency ratio | 65.7703% | 4,598 |
| Assets per employee ($millions) | 7.2513% | 671 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8471% | 6,064 |
| Loan loss allowance to noncurrent loans | 162.7126% | 2,489 |
| Noncurrent assets plus other real estate owned to assets | 0.4205% | 4,989 |
| Noncurrent loans to loans | 0.5206% | 4,689 |
| Net loans and leases to total assets | 80.0915% | 589 |
| Net loans and leases to deposits | 108.1269% | 203 |
| Net loans and leases to core deposits | 113.1334% | 492 |
| Total domestic deposits to total assets | 74.0718% | 6,277 |
| Equity capital to assets | 15.1735% | 645 |
| Core capital (leverage) ratio | 15.1823% | 585 |
| Tier 1 risk-based capital ratio | 23.9209% | 963 |
| Total risk-based capital ratio | 24.9989% | 968 |
| Memoranda: | ||
| Average total assets | $579,913,000 | 1,148 |
| Average earning assets | $540,431,800 | 1,123 |
| Average equity | $87,108,400 | 809 |
| Average total loans | $462,289,600 | 917 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5573% | 5,560 |
| Cost of funding earning assets | 0.5212% | 3,553 |
| Net interest margin | 3.0361% | 5,504 |
| Noninterest income to average assets | 0.3095% | 5,228 |
| Noninterest expense to average assets | 2.0807% | 5,872 |
| Loan and lease loss provision to assets | 0.0185% | 4,648 |
| Net operating income to assets | 0.6479% | 4,135 |
| Return on assets (ROA) | 0.6479% | 4,256 |
| Pretax return on assets | 1.0386% | 3,347 |
| Return on Equity (ROE) | 4.3245% | 5,063 |
| Retained earnings to average equity (ytd only) | 4.3245% | 3,597 |
| Net charge-offs to loans | 0.0145% | 4,842 |
| Credit loss provision to net charge-offs | 160.0000% | 1,476 |
| Earnings coverage of net charge-offs (x) | 91.6531% | 530 |
| Efficiency ratio | 66.3114% | 4,431 |
| Assets per employee ($millions) | 7.2145% | 669 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8588% | 6,160 |
| Loan loss allowance to noncurrent loans | 218.6891% | 1,843 |
| Noncurrent assets plus other real estate owned to assets | 0.3159% | 5,464 |
| Noncurrent loans to loans | 0.3927% | 5,217 |
| Net loans and leases to total assets | 79.7522% | 578 |
| Net loans and leases to deposits | 105.9267% | 240 |
| Net loans and leases to core deposits | 111.2023% | 532 |
| Total domestic deposits to total assets | 75.2900% | 6,249 |
| Equity capital to assets | 15.0683% | 702 |
| Core capital (leverage) ratio | 15.0727% | 625 |
| Tier 1 risk-based capital ratio | 23.7339% | 1,042 |
| Total risk-based capital ratio | 24.8216% | 1,039 |
| Memoranda: | ||
| Average total assets | $578,053,250 | 1,163 |
| Average earning assets | $538,479,750 | 1,140 |
| Average equity | $86,605,000 | 818 |
| Average total loans | $459,252,500 | 927 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5769% | 5,505 |
| Cost of funding earning assets | 0.5368% | 3,529 |
| Net interest margin | 3.0401% | 5,464 |
| Noninterest income to average assets | 0.3278% | 5,073 |
| Noninterest expense to average assets | 2.0658% | 5,929 |
| Loan and lease loss provision to assets | 0.0278% | 4,373 |
| Net operating income to assets | 0.6636% | 4,002 |
| Return on assets (ROA) | 0.6636% | 4,154 |
| Pretax return on assets | 1.0643% | 3,248 |
| Return on Equity (ROE) | 4.4379% | 5,033 |
| Retained earnings to average equity (ytd only) | 4.4379% | 3,450 |
| Net charge-offs to loans | 0.0272% | 4,316 |
| Credit loss provision to net charge-offs | 129.0323% | 1,752 |
| Earnings coverage of net charge-offs (x) | 50.7258% | 796 |
| Efficiency ratio | 65.4168% | 4,648 |
| Assets per employee ($millions) | 7.2612% | 640 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8801% | 6,190 |
| Loan loss allowance to noncurrent loans | 272.3275% | 1,535 |
| Noncurrent assets plus other real estate owned to assets | 0.2577% | 5,714 |
| Noncurrent loans to loans | 0.3232% | 5,487 |
| Net loans and leases to total assets | 79.0221% | 634 |
| Net loans and leases to deposits | 102.6274% | 307 |
| Net loans and leases to core deposits | 108.1444% | 644 |
| Total domestic deposits to total assets | 76.9990% | 6,126 |
| Equity capital to assets | 15.1765% | 677 |
| Core capital (leverage) ratio | 15.1851% | 585 |
| Tier 1 risk-based capital ratio | 24.1611% | 984 |
| Total risk-based capital ratio | 25.2774% | 973 |
| Memoranda: | ||
| Average total assets | $575,947,330 | 1,166 |
| Average earning assets | $536,168,000 | 1,140 |
| Average equity | $86,121,670 | 824 |
| Average total loans | $455,641,330 | 931 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5544% | 5,572 |
| Cost of funding earning assets | 0.5560% | 3,510 |
| Net interest margin | 2.9984% | 5,576 |
| Noninterest income to average assets | 0.3341% | 5,025 |
| Noninterest expense to average assets | 2.0419% | 6,025 |
| Loan and lease loss provision to assets | 0.0554% | 3,709 |
| Net operating income to assets | 0.6633% | 3,883 |
| Return on assets (ROA) | 0.6633% | 4,039 |
| Pretax return on assets | 1.0251% | 3,245 |
| Return on Equity (ROE) | 4.4692% | 4,861 |
| Retained earnings to average equity (ytd only) | 4.4692% | 3,554 |
| Net charge-offs to loans | 0.0255% | 3,676 |
| Credit loss provision to net charge-offs | 275.8621% | 858 |
| Earnings coverage of net charge-offs (x) | 53.7586% | 637 |
| Efficiency ratio | 65.3940% | 4,767 |
| Assets per employee ($millions) | 7.5979% | 592 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8957% | 6,268 |
| Loan loss allowance to noncurrent loans | 203.0015% | 1,884 |
| Noncurrent assets plus other real estate owned to assets | 0.3462% | 5,560 |
| Noncurrent loans to loans | 0.4412% | 5,315 |
| Net loans and leases to total assets | 77.7597% | 640 |
| Net loans and leases to deposits | 100.4319% | 335 |
| Net loans and leases to core deposits | 105.8286% | 649 |
| Total domestic deposits to total assets | 77.4253% | 6,201 |
| Equity capital to assets | 14.9201% | 774 |
| Core capital (leverage) ratio | 14.9105% | 604 |
| Tier 1 risk-based capital ratio | 23.9516% | 1,022 |
| Total risk-based capital ratio | 25.0806% | 1,016 |
| Memoranda: | ||
| Average total assets | $577,103,000 | 1,173 |
| Average earning assets | $536,694,000 | 1,151 |
| Average equity | $85,653,500 | 841 |
| Average total loans | $454,800,000 | 935 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8819% | 5,629 |
| Cost of funding earning assets | 0.6460% | 3,948 |
| Net interest margin | 3.2359% | 5,470 |
| Noninterest income to average assets | 0.3351% | 5,060 |
| Noninterest expense to average assets | 2.1344% | 6,055 |
| Loan and lease loss provision to assets | 0.0950% | 4,480 |
| Net operating income to assets | 0.5073% | 4,653 |
| Return on assets (ROA) | 0.5073% | 4,918 |
| Pretax return on assets | 1.0942% | 3,179 |
| Return on Equity (ROE) | 3.4174% | 5,385 |
| Retained earnings to average equity (ytd only) | 3.4174% | 3,822 |
| Net charge-offs to loans | 0.0059% | 5,884 |
| Credit loss provision to net charge-offs | 2,057.6923% | 115 |
| Earnings coverage of net charge-offs (x) | 257.5769% | 153 |
| Efficiency ratio | 64.2197% | 4,842 |
| Assets per employee ($millions) | 7.4904% | 625 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8777% | 6,319 |
| Loan loss allowance to noncurrent loans | 159.7687% | 2,248 |
| Noncurrent assets plus other real estate owned to assets | 0.4348% | 5,403 |
| Noncurrent loans to loans | 0.5494% | 5,155 |
| Net loans and leases to total assets | 78.4580% | 622 |
| Net loans and leases to deposits | 101.0949% | 370 |
| Net loans and leases to core deposits | 106.4919% | 672 |
| Total domestic deposits to total assets | 77.6083% | 6,142 |
| Equity capital to assets | 14.7638% | 802 |
| Core capital (leverage) ratio | 14.7486% | 615 |
| Tier 1 risk-based capital ratio | 23.6023% | 1,019 |
| Total risk-based capital ratio | 24.7143% | 1,022 |
| Memoranda: | ||
| Average total assets | $563,148,000 | 1,176 |
| Average earning assets | $520,102,400 | 1,166 |
| Average equity | $83,601,800 | 838 |
| Average total loans | $437,099,200 | 955 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9154% | 5,752 |
| Cost of funding earning assets | 0.6597% | 4,104 |
| Net interest margin | 3.2557% | 5,525 |
| Noninterest income to average assets | 0.3351% | 5,123 |
| Noninterest expense to average assets | 2.1981% | 5,956 |
| Loan and lease loss provision to assets | 0.0989% | 4,331 |
| Net operating income to assets | 0.4214% | 5,157 |
| Return on assets (ROA) | 0.4214% | 5,396 |
| Pretax return on assets | 1.0416% | 3,560 |
| Return on Equity (ROE) | 2.8344% | 5,734 |
| Retained earnings to average equity (ytd only) | 2.8344% | 4,850 |
| Net charge-offs to loans | 0.0068% | 5,645 |
| Credit loss provision to net charge-offs | 1,886.3636% | 142 |
| Earnings coverage of net charge-offs (x) | 217.6556% | 208 |
| Efficiency ratio | 65.8390% | 4,475 |
| Assets per employee ($millions) | 7.6034% | 561 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8553% | 6,493 |
| Loan loss allowance to noncurrent loans | 113.8718% | 2,893 |
| Noncurrent assets plus other real estate owned to assets | 0.5992% | 5,178 |
| Noncurrent loans to loans | 0.7511% | 4,915 |
| Net loans and leases to total assets | 79.0935% | 590 |
| Net loans and leases to deposits | 102.0783% | 344 |
| Net loans and leases to core deposits | 106.7786% | 703 |
| Total domestic deposits to total assets | 77.4832% | 6,166 |
| Equity capital to assets | 14.7329% | 892 |
| Core capital (leverage) ratio | 14.7144% | 667 |
| Tier 1 risk-based capital ratio | 23.0546% | 1,167 |
| Total risk-based capital ratio | 24.1240% | 1,166 |
| Memoranda: | ||
| Average total assets | $559,744,250 | 1,204 |
| Average earning assets | $516,369,000 | 1,188 |
| Average equity | $83,214,250 | 843 |
| Average total loans | $432,243,000 | 973 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9403% | 5,811 |
| Cost of funding earning assets | 0.6756% | 4,220 |
| Net interest margin | 3.2647% | 5,549 |
| Noninterest income to average assets | 0.3053% | 5,369 |
| Noninterest expense to average assets | 2.2019% | 6,006 |
| Loan and lease loss provision to assets | 0.0899% | 4,447 |
| Net operating income to assets | 0.6494% | 4,115 |
| Return on assets (ROA) | 0.6494% | 4,370 |
| Pretax return on assets | 1.0211% | 3,627 |
| Return on Equity (ROE) | 4.3546% | 5,110 |
| Retained earnings to average equity (ytd only) | 4.3546% | 3,713 |
| Net charge-offs to loans | 0.0104% | 5,318 |
| Credit loss provision to net charge-offs | 1,136.3636% | 290 |
| Earnings coverage of net charge-offs (x) | 140.4545% | 319 |
| Efficiency ratio | 66.4641% | 4,443 |
| Assets per employee ($millions) | 7.5560% | 573 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8529% | 6,563 |
| Loan loss allowance to noncurrent loans | 107.0075% | 3,016 |
| Noncurrent assets plus other real estate owned to assets | 0.6227% | 5,217 |
| Noncurrent loans to loans | 0.7970% | 4,915 |
| Net loans and leases to total assets | 77.4678% | 785 |
| Net loans and leases to deposits | 98.4828% | 499 |
| Net loans and leases to core deposits | 102.8425% | 930 |
| Total domestic deposits to total assets | 78.6612% | 6,027 |
| Equity capital to assets | 15.0112% | 784 |
| Core capital (leverage) ratio | 14.9995% | 599 |
| Tier 1 risk-based capital ratio | 23.4879% | 1,077 |
| Total risk-based capital ratio | 24.5315% | 1,080 |
| Memoranda: | ||
| Average total assets | $556,241,000 | 1,215 |
| Average earning assets | $512,446,670 | 1,202 |
| Average equity | $82,947,330 | 837 |
| Average total loans | $424,682,330 | 990 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9802% | 5,829 |
| Cost of funding earning assets | 0.6821% | 4,439 |
| Net interest margin | 3.2981% | 5,487 |
| Noninterest income to average assets | 0.2978% | 5,492 |
| Noninterest expense to average assets | 2.2531% | 5,891 |
| Loan and lease loss provision to assets | 0.0901% | 4,229 |
| Net operating income to assets | 0.6352% | 4,197 |
| Return on assets (ROA) | 0.6352% | 4,408 |
| Pretax return on assets | 0.9842% | 3,732 |
| Return on Equity (ROE) | 4.2739% | 5,152 |
| Retained earnings to average equity (ytd only) | 4.2739% | 4,026 |
| Net charge-offs to loans | 0.0545% | 3,953 |
| Credit loss provision to net charge-offs | 219.2982% | 1,264 |
| Earnings coverage of net charge-offs (x) | 26.1404% | 1,008 |
| Efficiency ratio | 67.7140% | 4,225 |
| Assets per employee ($millions) | 7.5311% | 587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8391% | 6,667 |
| Loan loss allowance to noncurrent loans | 144.6653% | 2,237 |
| Noncurrent assets plus other real estate owned to assets | 0.4423% | 5,759 |
| Noncurrent loans to loans | 0.5800% | 5,509 |
| Net loans and leases to total assets | 75.6163% | 847 |
| Net loans and leases to deposits | 96.0194% | 536 |
| Net loans and leases to core deposits | 100.2028% | 973 |
| Total domestic deposits to total assets | 78.7510% | 6,133 |
| Equity capital to assets | 14.8790% | 770 |
| Core capital (leverage) ratio | 14.8700% | 620 |
| Tier 1 risk-based capital ratio | 23.4442% | 1,074 |
| Total risk-based capital ratio | 24.4531% | 1,088 |
| Memoranda: | ||
| Average total assets | $554,790,500 | 1,224 |
| Average earning assets | $509,623,000 | 1,213 |
| Average equity | $82,454,000 | 840 |
| Average total loans | $418,583,000 | 996 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1209% | 6,242 |
| Cost of funding earning assets | 0.8302% | 4,625 |
| Net interest margin | 3.2907% | 5,835 |
| Noninterest income to average assets | 0.3109% | 5,321 |
| Noninterest expense to average assets | 2.2312% | 6,207 |
| Loan and lease loss provision to assets | 0.0870% | 5,505 |
| Net operating income to assets | 0.6143% | 3,922 |
| Return on assets (ROA) | 0.6143% | 4,113 |
| Pretax return on assets | 1.0167% | 3,179 |
| Return on Equity (ROE) | 4.1417% | 4,783 |
| Retained earnings to average equity (ytd only) | 4.1417% | 3,234 |
| Net charge-offs to loans | 0.0371% | 5,944 |
| Credit loss provision to net charge-offs | 313.3333% | 746 |
| Earnings coverage of net charge-offs (x) | 39.7533% | 682 |
| Efficiency ratio | 66.9053% | 4,590 |
| Assets per employee ($millions) | 7.6705% | 535 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8486% | 6,648 |
| Loan loss allowance to noncurrent loans | 71.0976% | 4,010 |
| Noncurrent assets plus other real estate owned to assets | 0.8909% | 4,834 |
| Noncurrent loans to loans | 1.1936% | 4,380 |
| Net loans and leases to total assets | 74.0008% | 1,276 |
| Net loans and leases to deposits | 92.9646% | 888 |
| Net loans and leases to core deposits | 96.9103% | 1,420 |
| Total domestic deposits to total assets | 79.6011% | 5,844 |
| Equity capital to assets | 14.8452% | 817 |
| Core capital (leverage) ratio | 14.8324% | 638 |
| Tier 1 risk-based capital ratio | 22.8245% | 1,119 |
| Total risk-based capital ratio | 23.7993% | 1,133 |
| Memoranda: | ||
| Average total assets | $540,294,600 | 1,228 |
| Average earning assets | $496,487,600 | 1,218 |
| Average equity | $80,135,400 | 836 |
| Average total loans | $404,594,600 | 1,054 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1307% | 6,346 |
| Cost of funding earning assets | 0.8604% | 4,705 |
| Net interest margin | 3.2704% | 5,952 |
| Noninterest income to average assets | 0.3154% | 5,340 |
| Noninterest expense to average assets | 2.2448% | 6,178 |
| Loan and lease loss provision to assets | 0.0856% | 5,374 |
| Net operating income to assets | 0.5938% | 4,110 |
| Return on assets (ROA) | 0.5938% | 4,299 |
| Pretax return on assets | 0.9911% | 3,435 |
| Return on Equity (ROE) | 4.0046% | 4,986 |
| Retained earnings to average equity (ytd only) | 4.0046% | 3,867 |
| Net charge-offs to loans | 0.0503% | 5,478 |
| Credit loss provision to net charge-offs | 226.9737% | 1,258 |
| Earnings coverage of net charge-offs (x) | 28.5463% | 963 |
| Efficiency ratio | 67.5831% | 4,402 |
| Assets per employee ($millions) | 7.5862% | 557 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8206% | 6,780 |
| Loan loss allowance to noncurrent loans | 103.6912% | 2,863 |
| Noncurrent assets plus other real estate owned to assets | 0.5870% | 5,651 |
| Noncurrent loans to loans | 0.7914% | 5,294 |
| Net loans and leases to total assets | 73.5698% | 1,402 |
| Net loans and leases to deposits | 91.8025% | 1,029 |
| Net loans and leases to core deposits | 96.2688% | 1,580 |
| Total domestic deposits to total assets | 80.1393% | 5,696 |
| Equity capital to assets | 14.6225% | 954 |
| Core capital (leverage) ratio | 14.6114% | 744 |
| Tier 1 risk-based capital ratio | 22.8604% | 1,166 |
| Total risk-based capital ratio | 23.8129% | 1,182 |
| Memoranda: | ||
| Average total assets | $537,298,500 | 1,240 |
| Average earning assets | $493,877,750 | 1,231 |
| Average equity | $79,672,500 | 848 |
| Average total loans | $402,696,000 | 1,064 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1881% | 6,302 |
| Cost of funding earning assets | 0.8883% | 4,769 |
| Net interest margin | 3.2998% | 5,862 |
| Noninterest income to average assets | 0.3381% | 5,181 |
| Noninterest expense to average assets | 2.2358% | 6,286 |
| Loan and lease loss provision to assets | 0.1053% | 4,990 |
| Net operating income to assets | 0.6141% | 3,988 |
| Return on assets (ROA) | 0.6141% | 4,120 |
| Pretax return on assets | 1.0214% | 3,156 |
| Return on Equity (ROE) | 4.1218% | 4,874 |
| Retained earnings to average equity (ytd only) | 4.1218% | 3,577 |
| Net charge-offs to loans | 0.0410% | 5,278 |
| Credit loss provision to net charge-offs | 341.4634% | 895 |
| Earnings coverage of net charge-offs (x) | 36.5366% | 798 |
| Efficiency ratio | 66.4914% | 4,776 |
| Assets per employee ($millions) | 7.6794% | 524 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8330% | 6,810 |
| Loan loss allowance to noncurrent loans | 151.5941% | 1,952 |
| Noncurrent assets plus other real estate owned to assets | 0.4143% | 6,113 |
| Noncurrent loans to loans | 0.5495% | 5,818 |
| Net loans and leases to total assets | 74.7649% | 1,269 |
| Net loans and leases to deposits | 94.9663% | 807 |
| Net loans and leases to core deposits | 99.2363% | 1,411 |
| Total domestic deposits to total assets | 78.7278% | 6,145 |
| Equity capital to assets | 14.9065% | 841 |
| Core capital (leverage) ratio | 14.8927% | 689 |
| Tier 1 risk-based capital ratio | 22.8939% | 1,135 |
| Total risk-based capital ratio | 23.8594% | 1,156 |
| Memoranda: | ||
| Average total assets | $531,801,000 | 1,258 |
| Average earning assets | $487,423,670 | 1,258 |
| Average equity | $79,237,330 | 854 |
| Average total loans | $399,996,670 | 1,082 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2253% | 6,219 |
| Cost of funding earning assets | 0.8755% | 5,090 |
| Net interest margin | 3.3498% | 5,611 |
| Noninterest income to average assets | 0.3501% | 5,101 |
| Noninterest expense to average assets | 2.2514% | 6,300 |
| Loan and lease loss provision to assets | 0.1210% | 4,500 |
| Net operating income to assets | 0.6625% | 3,693 |
| Return on assets (ROA) | 0.6625% | 3,766 |
| Pretax return on assets | 1.0535% | 2,929 |
| Return on Equity (ROE) | 4.4472% | 4,681 |
| Retained earnings to average equity (ytd only) | 4.4472% | 3,508 |
| Net charge-offs to loans | 0.0201% | 4,793 |
| Credit loss provision to net charge-offs | 800.0000% | 474 |
| Earnings coverage of net charge-offs (x) | 77.6500% | 403 |
| Efficiency ratio | 65.7174% | 5,080 |
| Assets per employee ($millions) | 7.8814% | 492 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8358% | 6,850 |
| Loan loss allowance to noncurrent loans | 222.5352% | 1,355 |
| Noncurrent assets plus other real estate owned to assets | 0.3867% | 6,236 |
| Noncurrent loans to loans | 0.3756% | 6,244 |
| Net loans and leases to total assets | 74.5538% | 1,259 |
| Net loans and leases to deposits | 94.8261% | 760 |
| Net loans and leases to core deposits | 98.8679% | 1,441 |
| Total domestic deposits to total assets | 78.6216% | 6,269 |
| Equity capital to assets | 15.0053% | 768 |
| Core capital (leverage) ratio | 15.0050% | 669 |
| Tier 1 risk-based capital ratio | 23.0357% | 1,076 |
| Total risk-based capital ratio | 24.0003% | 1,098 |
| Memoranda: | ||
| Average total assets | $528,923,000 | 1,282 |
| Average earning assets | $485,647,000 | 1,269 |
| Average equity | $78,790,500 | 846 |
| Average total loans | $397,355,000 | 1,107 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3194% | 6,752 |
| Cost of funding earning assets | 1.1693% | 4,737 |
| Net interest margin | 3.1502% | 6,390 |
| Noninterest income to average assets | 0.3629% | 5,206 |
| Noninterest expense to average assets | 3.2058% | 3,070 |
| Loan and lease loss provision to assets | 0.0687% | 6,462 |
| Net operating income to assets | 0.0410% | 5,726 |
| Return on assets (ROA) | 0.0410% | 5,865 |
| Pretax return on assets | 0.0011% | 5,895 |
| Return on Equity (ROE) | 0.3436% | 5,873 |
| Retained earnings to average equity (ytd only) | 0.3436% | 5,409 |
| Net charge-offs to loans | 0.0713% | 6,088 |
| Credit loss provision to net charge-offs | 132.8413% | 2,953 |
| Earnings coverage of net charge-offs (x) | 1.3506% | 4,758 |
| Efficiency ratio | 97.8680% | 875 |
| Assets per employee ($millions) | 7.9074% | 492 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8079% | 6,949 |
| Loan loss allowance to noncurrent loans | 143.3735% | 2,074 |
| Noncurrent assets plus other real estate owned to assets | 0.4896% | 6,050 |
| Noncurrent loans to loans | 0.5635% | 5,923 |
| Net loans and leases to total assets | 74.4621% | 1,576 |
| Net loans and leases to deposits | 94.6149% | 1,001 |
| Net loans and leases to core deposits | 98.3842% | 1,760 |
| Total domestic deposits to total assets | 78.7002% | 6,163 |
| Equity capital to assets | 14.7878% | 841 |
| Core capital (leverage) ratio | 14.7814% | 698 |
| Tier 1 risk-based capital ratio | 23.0446% | 1,029 |
| Total risk-based capital ratio | 23.9901% | 1,051 |
| Memoranda: | ||
| Average total assets | $524,073,600 | 1,274 |
| Average earning assets | $484,576,200 | 1,275 |
| Average equity | $62,570,400 | 1,069 |
| Average total loans | $380,219,400 | 1,194 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3569% | 6,881 |
| Cost of funding earning assets | 1.2384% | 4,638 |
| Net interest margin | 3.1186% | 6,571 |
| Noninterest income to average assets | 0.3485% | 5,384 |
| Noninterest expense to average assets | 3.5547% | 1,895 |
| Loan and lease loss provision to assets | 0.0765% | 6,279 |
| Net operating income to assets | -0.2151% | 6,339 |
| Return on assets (ROA) | -0.2151% | 6,396 |
| Pretax return on assets | -0.4008% | 6,492 |
| Return on Equity (ROE) | -1.9172% | 6,387 |
| Retained earnings to average equity (ytd only) | -1.9172% | 6,181 |
| Net charge-offs to loans | 0.0876% | 5,654 |
| Credit loss provision to net charge-offs | 121.4575% | 3,385 |
| Earnings coverage of net charge-offs (x) | -5.1457% | 6,593 |
| Efficiency ratio | 110.0371% | 522 |
| Assets per employee ($millions) | 8.2666% | 461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8404% | 6,915 |
| Loan loss allowance to noncurrent loans | 146.8592% | 1,925 |
| Noncurrent assets plus other real estate owned to assets | 0.5455% | 6,062 |
| Noncurrent loans to loans | 0.5723% | 6,060 |
| Net loans and leases to total assets | 69.2680% | 2,911 |
| Net loans and leases to deposits | 89.1187% | 1,845 |
| Net loans and leases to core deposits | 92.6337% | 2,706 |
| Total domestic deposits to total assets | 77.7255% | 6,315 |
| Equity capital to assets | 14.1196% | 1,131 |
| Core capital (leverage) ratio | 14.1068% | 898 |
| Tier 1 risk-based capital ratio | 23.4577% | 1,008 |
| Total risk-based capital ratio | 24.4340% | 1,015 |
| Memoranda: | ||
| Average total assets | $522,643,500 | 1,288 |
| Average earning assets | $482,986,500 | 1,290 |
| Average equity | $58,626,750 | 1,143 |
| Average total loans | $375,847,000 | 1,214 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4807% | 6,752 |
| Cost of funding earning assets | 1.3080% | 4,484 |
| Net interest margin | 3.1727% | 6,398 |
| Noninterest income to average assets | 0.3503% | 5,347 |
| Noninterest expense to average assets | 2.0226% | 7,068 |
| Loan and lease loss provision to assets | 0.1165% | 5,733 |
| Net operating income to assets | 0.7072% | 3,371 |
| Return on assets (ROA) | 0.7072% | 3,524 |
| Pretax return on assets | 1.1390% | 2,634 |
| Return on Equity (ROE) | 6.9384% | 3,332 |
| Retained earnings to average equity (ytd only) | 6.9384% | 1,863 |
| Net charge-offs to loans | 0.1305% | 4,901 |
| Credit loss provision to net charge-offs | 122.9508% | 3,288 |
| Earnings coverage of net charge-offs (x) | 13.2500% | 1,602 |
| Efficiency ratio | 61.6989% | 5,738 |
| Assets per employee ($millions) | 8.5808% | 399 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8531% | 6,894 |
| Loan loss allowance to noncurrent loans | 183.5146% | 1,540 |
| Noncurrent assets plus other real estate owned to assets | 0.3039% | 6,646 |
| Noncurrent loans to loans | 0.4649% | 6,323 |
| Net loans and leases to total assets | 64.8101% | 4,082 |
| Net loans and leases to deposits | 79.3759% | 3,717 |
| Net loans and leases to core deposits | 82.0497% | 4,410 |
| Total domestic deposits to total assets | 81.6495% | 5,126 |
| Equity capital to assets | 9.2898% | 5,017 |
| Core capital (leverage) ratio | 9.2770% | 4,162 |
| Tier 1 risk-based capital ratio | 16.9261% | 2,309 |
| Total risk-based capital ratio | 17.9437% | 2,351 |
| Memoranda: | ||
| Average total assets | $514,992,330 | 1,311 |
| Average earning assets | $475,239,000 | 1,309 |
| Average equity | $52,490,330 | 1,269 |
| Average total loans | $374,087,000 | 1,227 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9784% | 5,122 |
| Cost of funding earning assets | 1.4211% | 4,042 |
| Net interest margin | 3.5573% | 4,910 |
| Noninterest income to average assets | 0.3249% | 5,555 |
| Noninterest expense to average assets | 2.0304% | 7,104 |
| Loan and lease loss provision to assets | 0.2474% | 4,068 |
| Net operating income to assets | 0.7983% | 2,967 |
| Return on assets (ROA) | 0.7983% | 3,076 |
| Pretax return on assets | 1.2840% | 2,096 |
| Return on Equity (ROE) | 7.4416% | 3,141 |
| Retained earnings to average equity (ytd only) | 7.4416% | 1,953 |
| Net charge-offs to loans | 0.3923% | 2,868 |
| Credit loss provision to net charge-offs | 81.9672% | 3,827 |
| Earnings coverage of net charge-offs (x) | 5.0738% | 2,477 |
| Efficiency ratio | 57.0039% | 6,630 |
| Assets per employee ($millions) | 7.2771% | 726 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8353% | 7,039 |
| Loan loss allowance to noncurrent loans | 199.0962% | 1,426 |
| Noncurrent assets plus other real estate owned to assets | 0.3177% | 6,682 |
| Noncurrent loans to loans | 0.4195% | 6,457 |
| Net loans and leases to total assets | 75.0954% | 1,720 |
| Net loans and leases to deposits | 96.5335% | 1,041 |
| Net loans and leases to core deposits | 99.5368% | 2,179 |
| Total domestic deposits to total assets | 77.7921% | 6,371 |
| Equity capital to assets | 10.7705% | 2,976 |
| Core capital (leverage) ratio | 10.7641% | 2,397 |
| Tier 1 risk-based capital ratio | 16.9723% | 2,278 |
| Total risk-based capital ratio | 17.9697% | 2,322 |
| Memoranda: | ||
| Average total assets | $485,032,500 | 1,447 |
| Average earning assets | $441,345,000 | 1,439 |
| Average equity | $52,031,500 | 1,287 |
| Average total loans | $373,227,000 | 1,275 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1355% | 5,937 |
| Cost of funding earning assets | 1.9221% | 3,345 |
| Net interest margin | 3.2134% | 6,042 |
| Noninterest income to average assets | 0.4136% | 5,089 |
| Noninterest expense to average assets | 2.3400% | 6,631 |
| Loan and lease loss provision to assets | 0.0275% | 7,240 |
| Net operating income to assets | 0.6232% | 3,238 |
| Return on assets (ROA) | 0.6778% | 3,077 |
| Pretax return on assets | 1.0732% | 2,330 |
| Return on Equity (ROE) | 6.2184% | 3,118 |
| Retained earnings to average equity (ytd only) | 6.2184% | 1,263 |
| Net charge-offs to loans | 0.0660% | 6,451 |
| Credit loss provision to net charge-offs | 51.8367% | 6,722 |
| Earnings coverage of net charge-offs (x) | 19.1388% | 1,098 |
| Efficiency ratio | 69.7386% | 4,684 |
| Assets per employee ($millions) | 7.2015% | 740 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8112% | 7,097 |
| Loan loss allowance to noncurrent loans | 58.4304% | 4,489 |
| Noncurrent assets plus other real estate owned to assets | 1.0854% | 4,923 |
| Noncurrent loans to loans | 1.3883% | 4,600 |
| Net loans and leases to total assets | 77.5484% | 1,475 |
| Net loans and leases to deposits | 100.5250% | 859 |
| Net loans and leases to core deposits | 111.7973% | 2,717 |
| Total domestic deposits to total assets | 77.1434% | 6,436 |
| Equity capital to assets | 10.6839% | 2,979 |
| Core capital (leverage) ratio | 10.6765% | 2,451 |
| Tier 1 risk-based capital ratio | 16.2975% | 2,397 |
| Total risk-based capital ratio | 17.2657% | 2,447 |
| Memoranda: | ||
| Average total assets | $461,787,600 | 1,498 |
| Average earning assets | $422,761,200 | 1,495 |
| Average equity | $50,334,200 | 1,332 |
| Average total loans | $371,291,000 | 1,292 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2401% | 5,729 |
| Cost of funding earning assets | 2.0081% | 3,323 |
| Net interest margin | 3.2320% | 5,908 |
| Noninterest income to average assets | 0.4214% | 5,123 |
| Noninterest expense to average assets | 2.4408% | 6,275 |
| Loan and lease loss provision to assets | 0.0371% | 6,988 |
| Net operating income to assets | 0.5882% | 3,644 |
| Return on assets (ROA) | 0.6225% | 3,578 |
| Pretax return on assets | 0.9735% | 2,979 |
| Return on Equity (ROE) | 5.6818% | 3,656 |
| Retained earnings to average equity (ytd only) | 5.6818% | 2,111 |
| Net charge-offs to loans | 0.0728% | 5,955 |
| Credit loss provision to net charge-offs | 62.8713% | 6,124 |
| Earnings coverage of net charge-offs (x) | 16.2226% | 1,482 |
| Efficiency ratio | 71.8374% | 4,272 |
| Assets per employee ($millions) | 7.9145% | 531 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8483% | 6,963 |
| Loan loss allowance to noncurrent loans | 54.2009% | 4,711 |
| Noncurrent assets plus other real estate owned to assets | 1.1858% | 4,702 |
| Noncurrent loans to loans | 1.5652% | 4,289 |
| Net loans and leases to total assets | 75.1201% | 2,218 |
| Net loans and leases to deposits | 98.2209% | 1,298 |
| Net loans and leases to core deposits | 109.3401% | 3,309 |
| Total domestic deposits to total assets | 76.4808% | 6,480 |
| Equity capital to assets | 10.5138% | 3,498 |
| Core capital (leverage) ratio | 10.4793% | 2,811 |
| Tier 1 risk-based capital ratio | 15.9542% | 2,643 |
| Total risk-based capital ratio | 16.9331% | 2,683 |
| Memoranda: | ||
| Average total assets | $456,609,500 | 1,531 |
| Average earning assets | $420,489,500 | 1,522 |
| Average equity | $50,030,250 | 1,366 |
| Average total loans | $369,806,000 | 1,315 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3611% | 5,348 |
| Cost of funding earning assets | 2.0568% | 3,493 |
| Net interest margin | 3.3043% | 5,539 |
| Noninterest income to average assets | 0.4457% | 4,886 |
| Noninterest expense to average assets | 2.3738% | 6,544 |
| Loan and lease loss provision to assets | 0.0567% | 6,655 |
| Net operating income to assets | 0.6820% | 3,332 |
| Return on assets (ROA) | 0.7346% | 3,220 |
| Pretax return on assets | 1.1641% | 2,413 |
| Return on Equity (ROE) | 6.6081% | 3,385 |
| Retained earnings to average equity (ytd only) | 6.6081% | 1,743 |
| Net charge-offs to loans | 0.0701% | 5,529 |
| Credit loss provision to net charge-offs | 97.6923% | 4,685 |
| Earnings coverage of net charge-offs (x) | 19.6154% | 1,357 |
| Efficiency ratio | 67.5820% | 5,232 |
| Assets per employee ($millions) | 7.5539% | 597 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8467% | 6,993 |
| Loan loss allowance to noncurrent loans | 59.3902% | 4,493 |
| Noncurrent assets plus other real estate owned to assets | 1.1602% | 4,619 |
| Noncurrent loans to loans | 1.4257% | 4,361 |
| Net loans and leases to total assets | 80.6866% | 1,196 |
| Net loans and leases to deposits | 109.3579% | 583 |
| Net loans and leases to core deposits | 123.5765% | 2,058 |
| Total domestic deposits to total assets | 73.7822% | 6,981 |
| Equity capital to assets | 10.9584% | 2,956 |
| Core capital (leverage) ratio | 10.9311% | 2,456 |
| Tier 1 risk-based capital ratio | 15.6911% | 2,735 |
| Total risk-based capital ratio | 16.6805% | 2,769 |
| Memoranda: | ||
| Average total assets | $447,884,670 | 1,580 |
| Average earning assets | $415,701,670 | 1,562 |
| Average equity | $49,787,330 | 1,387 |
| Average total loans | $371,151,000 | 1,335 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4399% | 5,226 |
| Cost of funding earning assets | 2.0775% | 3,752 |
| Net interest margin | 3.3624% | 5,281 |
| Noninterest income to average assets | 0.4395% | 4,879 |
| Noninterest expense to average assets | 2.2744% | 6,618 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.8277% | 3,012 |
| Return on assets (ROA) | 0.8527% | 3,054 |
| Pretax return on assets | 1.3293% | 2,183 |
| Return on Equity (ROE) | 7.6143% | 3,325 |
| Retained earnings to average equity (ytd only) | 7.6143% | 1,971 |
| Net charge-offs to loans | 0.0314% | 5,080 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 49.1034% | 736 |
| Efficiency ratio | 63.8027% | 5,728 |
| Assets per employee ($millions) | 7.2222% | 703 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8571% | 6,930 |
| Loan loss allowance to noncurrent loans | 101.1132% | 3,038 |
| Noncurrent assets plus other real estate owned to assets | 0.7021% | 5,399 |
| Noncurrent loans to loans | 0.8476% | 5,329 |
| Net loans and leases to total assets | 82.1250% | 996 |
| Net loans and leases to deposits | 114.4490% | 429 |
| Net loans and leases to core deposits | 131.4269% | 1,574 |
| Total domestic deposits to total assets | 71.7568% | 7,244 |
| Equity capital to assets | 11.1476% | 2,854 |
| Core capital (leverage) ratio | 11.1002% | 2,431 |
| Tier 1 risk-based capital ratio | 15.7249% | 2,780 |
| Total risk-based capital ratio | 16.7316% | 2,795 |
| Memoranda: | ||
| Average total assets | $441,432,000 | 1,609 |
| Average earning assets | $410,301,000 | 1,587 |
| Average equity | $49,433,500 | 1,396 |
| Average total loans | $369,241,000 | 1,366 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0107% | 5,498 |
| Cost of funding earning assets | 2.4634% | 4,406 |
| Net interest margin | 3.5473% | 5,111 |
| Noninterest income to average assets | 0.3620% | 5,821 |
| Noninterest expense to average assets | 2.4807% | 6,088 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.7211% | 3,795 |
| Return on assets (ROA) | 0.7270% | 3,605 |
| Pretax return on assets | 1.1661% | 2,784 |
| Return on Equity (ROE) | 6.2158% | 3,854 |
| Retained earnings to average equity (ytd only) | 5.1616% | 1,926 |
| Net charge-offs to loans | 0.0082% | 6,820 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 173.7778% | 269 |
| Efficiency ratio | 68.1941% | 4,688 |
| Assets per employee ($millions) | 6.9062% | 738 |
| Cash dividends to net income (ytd only)* | 16.9607% | 4,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8728% | 6,800 |
| Loan loss allowance to noncurrent loans | 110.4303% | 3,162 |
| Noncurrent assets plus other real estate owned to assets | 0.6677% | 5,219 |
| Noncurrent loans to loans | 0.7903% | 5,063 |
| Net loans and leases to total assets | 83.7438% | 928 |
| Net loans and leases to deposits | 119.1993% | 400 |
| Net loans and leases to core deposits | 140.0458% | 1,269 |
| Total domestic deposits to total assets | 70.2553% | 7,250 |
| Equity capital to assets | 11.2508% | 2,843 |
| Core capital (leverage) ratio | 11.2069% | 2,425 |
| Tier 1 risk-based capital ratio | 15.7008% | 2,780 |
| Total risk-based capital ratio | 16.7347% | 2,786 |
| Memoranda: | ||
| Average total assets | $405,528,800 | 1,678 |
| Average earning assets | $374,483,600 | 1,658 |
| Average equity | $47,427,600 | 1,444 |
| Average total loans | $330,960,400 | 1,465 |