Home > Prince George's Federal Savings Bank > Performance and Condition Ratios
Prince George's Federal Savings Bank, Performance and Condition Ratios
| 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 | 3.7520% | 4,683 |
| Cost of funding earning assets | 0.3442% | 4,491 |
| Net interest margin | 3.4078% | 4,141 |
| Noninterest income to average assets | 0.0718% | 6,372 |
| Noninterest expense to average assets | 3.1921% | 2,218 |
| Loan and lease loss provision to assets | 0.1650% | 1,486 |
| Net operating income to assets | -0.0466% | 6,218 |
| Return on assets (ROA) | -0.0466% | 6,236 |
| Pretax return on assets | -0.0175% | 6,208 |
| Return on Equity (ROE) | -0.3780% | 6,231 |
| Retained earnings to average equity (ytd only) | -0.3780% | 5,747 |
| Net charge-offs to loans | 0.4602% | 880 |
| Credit loss provision to net charge-offs | 51.2048% | 2,778 |
| Earnings coverage of net charge-offs (x) | 0.4578% | 4,038 |
| Efficiency ratio | 95.5814% | 577 |
| Assets per employee ($millions) | 4.2245% | 3,415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9653% | 5,503 |
| Loan loss allowance to noncurrent loans | 22.7047% | 5,950 |
| Noncurrent assets plus other real estate owned to assets | 3.9709% | 539 |
| Noncurrent loans to loans | 4.2516% | 543 |
| Net loans and leases to total assets | 69.3146% | 2,186 |
| Net loans and leases to deposits | 79.2852% | 2,614 |
| Net loans and leases to core deposits | 83.9167% | 2,746 |
| Total domestic deposits to total assets | 87.4244% | 2,232 |
| Equity capital to assets | 12.5075% | 1,637 |
| Core capital (leverage) ratio | 12.4967% | 1,398 |
| Tier 1 risk-based capital ratio | 24.1117% | 968 |
| Total risk-based capital ratio | 25.3621% | 950 |
| Memoranda: | ||
| Average total assets | $103,004,000 | 4,606 |
| Average earning assets | $98,773,670 | 4,503 |
| Average equity | $12,700,000 | 4,283 |
| Average total loans | $72,138,000 | 4,159 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7990% | 4,490 |
| Cost of funding earning assets | 0.3651% | 4,381 |
| Net interest margin | 3.4339% | 3,964 |
| Noninterest income to average assets | 0.0771% | 6,405 |
| Noninterest expense to average assets | 2.9592% | 3,021 |
| Loan and lease loss provision to assets | 0.3275% | 553 |
| Net operating income to assets | 0.0385% | 6,150 |
| Return on assets (ROA) | 0.0385% | 6,171 |
| Pretax return on assets | 0.0886% | 6,099 |
| Return on Equity (ROE) | 0.3147% | 6,179 |
| Retained earnings to average equity (ytd only) | 0.3147% | 5,446 |
| Net charge-offs to loans | 0.9020% | 387 |
| Credit loss provision to net charge-offs | 51.8293% | 2,183 |
| Earnings coverage of net charge-offs (x) | 0.6585% | 3,288 |
| Efficiency ratio | 87.6712% | 1,263 |
| Assets per employee ($millions) | 4.3289% | 3,287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9578% | 5,674 |
| Loan loss allowance to noncurrent loans | 24.1890% | 5,990 |
| Noncurrent assets plus other real estate owned to assets | 3.5816% | 721 |
| Noncurrent loans to loans | 3.9598% | 686 |
| Net loans and leases to total assets | 68.2751% | 2,181 |
| Net loans and leases to deposits | 77.8542% | 2,575 |
| Net loans and leases to core deposits | 82.2631% | 2,711 |
| Total domestic deposits to total assets | 87.6960% | 2,407 |
| Equity capital to assets | 12.2395% | 1,724 |
| Core capital (leverage) ratio | 12.2289% | 1,519 |
| Tier 1 risk-based capital ratio | 24.4769% | 939 |
| Total risk-based capital ratio | 25.7273% | 927 |
| Memoranda: | ||
| Average total assets | $103,812,500 | 4,636 |
| Average earning assets | $99,711,000 | 4,518 |
| Average equity | $12,709,500 | 4,291 |
| Average total loans | $72,726,500 | 4,175 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9066% | 4,436 |
| Cost of funding earning assets | 0.4748% | 3,866 |
| Net interest margin | 3.4318% | 4,160 |
| Noninterest income to average assets | 0.0028% | 6,640 |
| Noninterest expense to average assets | 2.4856% | 4,813 |
| Loan and lease loss provision to assets | 0.2259% | 1,612 |
| Net operating income to assets | 0.3388% | 5,385 |
| Return on assets (ROA) | 0.3388% | 5,487 |
| Pretax return on assets | 0.5704% | 4,969 |
| Return on Equity (ROE) | 2.8062% | 5,582 |
| Retained earnings to average equity (ytd only) | 1.3913% | 5,201 |
| Net charge-offs to loans | 0.4253% | 1,570 |
| Credit loss provision to net charge-offs | 75.3165% | 3,163 |
| Earnings coverage of net charge-offs (x) | 2.6551% | 4,108 |
| Efficiency ratio | 75.7374% | 2,818 |
| Assets per employee ($millions) | 4.3222% | 3,229 |
| Cash dividends to net income (ytd only)* | 50.4202% | 2,256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0361% | 5,391 |
| Loan loss allowance to noncurrent loans | 21.0860% | 6,153 |
| Noncurrent assets plus other real estate owned to assets | 3.8281% | 713 |
| Noncurrent loans to loans | 4.9137% | 525 |
| Net loans and leases to total assets | 70.4402% | 1,946 |
| Net loans and leases to deposits | 80.4282% | 2,395 |
| Net loans and leases to core deposits | 85.2584% | 2,535 |
| Total domestic deposits to total assets | 87.5815% | 2,430 |
| Equity capital to assets | 12.2460% | 1,657 |
| Core capital (leverage) ratio | 12.2383% | 1,476 |
| Tier 1 risk-based capital ratio | 24.4421% | 910 |
| Total risk-based capital ratio | 25.6955% | 897 |
| Memoranda: | ||
| Average total assets | $105,367,000 | 4,611 |
| Average earning assets | $100,674,600 | 4,490 |
| Average equity | $12,721,800 | 4,308 |
| Average total loans | $74,296,800 | 4,119 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9717% | 4,235 |
| Cost of funding earning assets | 0.4958% | 3,803 |
| Net interest margin | 3.4759% | 3,992 |
| Noninterest income to average assets | 0.0517% | 6,628 |
| Noninterest expense to average assets | 2.4000% | 5,024 |
| Loan and lease loss provision to assets | 0.2836% | 1,219 |
| Net operating income to assets | 0.4828% | 4,879 |
| Return on assets (ROA) | 0.4828% | 5,035 |
| Pretax return on assets | 0.6819% | 4,742 |
| Return on Equity (ROE) | 4.0125% | 5,219 |
| Retained earnings to average equity (ytd only) | 4.0125% | 3,839 |
| Net charge-offs to loans | 0.3351% | 1,873 |
| Credit loss provision to net charge-offs | 120.3209% | 1,958 |
| Earnings coverage of net charge-offs (x) | 4.0962% | 3,537 |
| Efficiency ratio | 71.3109% | 3,550 |
| Assets per employee ($millions) | 4.3378% | 3,160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1944% | 4,888 |
| Loan loss allowance to noncurrent loans | 21.8069% | 6,201 |
| Noncurrent assets plus other real estate owned to assets | 4.8085% | 603 |
| Noncurrent loans to loans | 5.4771% | 501 |
| Net loans and leases to total assets | 70.0052% | 1,967 |
| Net loans and leases to deposits | 80.0134% | 2,409 |
| Net loans and leases to core deposits | 84.7956% | 2,566 |
| Total domestic deposits to total assets | 87.4918% | 2,424 |
| Equity capital to assets | 12.3948% | 1,641 |
| Core capital (leverage) ratio | 12.3919% | 1,475 |
| Tier 1 risk-based capital ratio | 24.7863% | 901 |
| Total risk-based capital ratio | 26.0408% | 881 |
| Memoranda: | ||
| Average total assets | $105,775,750 | 4,647 |
| Average earning assets | $100,844,750 | 4,530 |
| Average equity | $12,726,500 | 4,362 |
| Average total loans | $74,412,500 | 4,134 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0578% | 3,889 |
| Cost of funding earning assets | 0.5161% | 3,739 |
| Net interest margin | 3.5416% | 3,600 |
| Noninterest income to average assets | 0.0320% | 6,721 |
| Noninterest expense to average assets | 2.4640% | 4,856 |
| Loan and lease loss provision to assets | 0.1618% | 2,307 |
| Net operating income to assets | 0.5003% | 4,799 |
| Return on assets (ROA) | 0.5003% | 4,968 |
| Pretax return on assets | 0.7749% | 4,411 |
| Return on Equity (ROE) | 4.1998% | 5,136 |
| Retained earnings to average equity (ytd only) | 4.1998% | 3,620 |
| Net charge-offs to loans | 0.5011% | 1,307 |
| Credit loss provision to net charge-offs | 45.9893% | 3,293 |
| Earnings coverage of net charge-offs (x) | 2.6631% | 3,631 |
| Efficiency ratio | 72.4558% | 3,394 |
| Assets per employee ($millions) | 4.5276% | 2,778 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0118% | 5,770 |
| Loan loss allowance to noncurrent loans | 23.0292% | 6,234 |
| Noncurrent assets plus other real estate owned to assets | 3.8634% | 925 |
| Noncurrent loans to loans | 4.3934% | 809 |
| Net loans and leases to total assets | 66.8081% | 2,447 |
| Net loans and leases to deposits | 75.7848% | 2,907 |
| Net loans and leases to core deposits | 80.0695% | 3,012 |
| Total domestic deposits to total assets | 88.1550% | 2,136 |
| Equity capital to assets | 11.7677% | 2,075 |
| Core capital (leverage) ratio | 11.7649% | 1,753 |
| Tier 1 risk-based capital ratio | 24.3965% | 947 |
| Total risk-based capital ratio | 25.6484% | 935 |
| Memoranda: | ||
| Average total assets | $106,331,670 | 4,659 |
| Average earning assets | $101,139,330 | 4,546 |
| Average equity | $12,667,330 | 4,402 |
| Average total loans | $74,629,330 | 4,154 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2103% | 3,268 |
| Cost of funding earning assets | 0.5429% | 3,645 |
| Net interest margin | 3.6675% | 3,002 |
| Noninterest income to average assets | 0.0951% | 6,587 |
| Noninterest expense to average assets | 2.3391% | 5,309 |
| Loan and lease loss provision to assets | 0.1027% | 2,962 |
| Net operating income to assets | 0.6770% | 3,796 |
| Return on assets (ROA) | 0.6770% | 3,955 |
| Pretax return on assets | 1.1220% | 2,873 |
| Return on Equity (ROE) | 5.6474% | 4,228 |
| Retained earnings to average equity (ytd only) | 5.6474% | 2,867 |
| Net charge-offs to loans | 0.5473% | 1,104 |
| Credit loss provision to net charge-offs | 26.2136% | 2,945 |
| Earnings coverage of net charge-offs (x) | 3.1262% | 2,836 |
| Efficiency ratio | 65.6350% | 4,725 |
| Assets per employee ($millions) | 4.4574% | 3,053 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0232% | 5,910 |
| Loan loss allowance to noncurrent loans | 29.0530% | 6,061 |
| Noncurrent assets plus other real estate owned to assets | 3.7251% | 1,114 |
| Noncurrent loans to loans | 3.5217% | 1,357 |
| Net loans and leases to total assets | 69.3579% | 1,770 |
| Net loans and leases to deposits | 78.8315% | 2,237 |
| Net loans and leases to core deposits | 83.8403% | 2,339 |
| Total domestic deposits to total assets | 87.9825% | 2,324 |
| Equity capital to assets | 11.8689% | 2,129 |
| Core capital (leverage) ratio | 11.8670% | 1,646 |
| Tier 1 risk-based capital ratio | 23.5988% | 1,072 |
| Total risk-based capital ratio | 24.8536% | 1,055 |
| Memoranda: | ||
| Average total assets | $105,166,500 | 4,739 |
| Average earning assets | $99,469,500 | 4,642 |
| Average equity | $12,607,500 | 4,450 |
| Average total loans | $75,275,500 | 4,157 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4956% | 3,406 |
| Cost of funding earning assets | 0.7298% | 3,257 |
| Net interest margin | 3.7657% | 3,370 |
| Noninterest income to average assets | 0.0583% | 6,661 |
| Noninterest expense to average assets | 2.5660% | 4,878 |
| Loan and lease loss provision to assets | 0.0224% | 5,615 |
| Net operating income to assets | 0.6340% | 4,068 |
| Return on assets (ROA) | 0.6340% | 4,337 |
| Pretax return on assets | 1.0521% | 3,349 |
| Return on Equity (ROE) | 5.2067% | 4,591 |
| Retained earnings to average equity (ytd only) | 2.6912% | 4,342 |
| Net charge-offs to loans | 2.2918% | 287 |
| Credit loss provision to net charge-offs | 1.2778% | 5,472 |
| Earnings coverage of net charge-offs (x) | 0.6139% | 5,182 |
| Efficiency ratio | 70.4861% | 3,717 |
| Assets per employee ($millions) | 4.3065% | 3,342 |
| Cash dividends to net income (ytd only)* | 48.3129% | 2,406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1153% | 5,486 |
| Loan loss allowance to noncurrent loans | 25.2849% | 6,240 |
| Noncurrent assets plus other real estate owned to assets | 4.7254% | 852 |
| Noncurrent loans to loans | 4.4108% | 980 |
| Net loans and leases to total assets | 72.3170% | 1,440 |
| Net loans and leases to deposits | 82.3653% | 1,955 |
| Net loans and leases to core deposits | 87.8184% | 2,108 |
| Total domestic deposits to total assets | 87.8004% | 2,346 |
| Equity capital to assets | 12.1115% | 1,971 |
| Core capital (leverage) ratio | 12.1115% | 1,502 |
| Tier 1 risk-based capital ratio | 22.7464% | 1,150 |
| Total risk-based capital ratio | 24.0001% | 1,132 |
| Memoranda: | ||
| Average total assets | $102,844,000 | 4,763 |
| Average earning assets | $97,829,400 | 4,642 |
| Average equity | $12,522,400 | 4,457 |
| Average total loans | $78,541,600 | 4,082 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5713% | 3,329 |
| Cost of funding earning assets | 0.7585% | 3,280 |
| Net interest margin | 3.8128% | 3,279 |
| Noninterest income to average assets | 0.0675% | 6,744 |
| Noninterest expense to average assets | 2.4702% | 5,180 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.8697% | 3,130 |
| Return on assets (ROA) | 0.8697% | 3,374 |
| Pretax return on assets | 1.2318% | 2,863 |
| Return on Equity (ROE) | 7.1331% | 3,733 |
| Retained earnings to average equity (ytd only) | 7.1331% | 2,042 |
| Net charge-offs to loans | 2.8993% | 191 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 0.5505% | 5,047 |
| Efficiency ratio | 66.7251% | 4,302 |
| Assets per employee ($millions) | 4.3040% | 3,264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1747% | 5,409 |
| Loan loss allowance to noncurrent loans | 19.0923% | 6,510 |
| Noncurrent assets plus other real estate owned to assets | 5.4813% | 779 |
| Noncurrent loans to loans | 6.1525% | 647 |
| Net loans and leases to total assets | 72.9760% | 1,394 |
| Net loans and leases to deposits | 83.4269% | 1,936 |
| Net loans and leases to core deposits | 88.9946% | 2,104 |
| Total domestic deposits to total assets | 87.4730% | 2,366 |
| Equity capital to assets | 12.4408% | 1,935 |
| Core capital (leverage) ratio | 12.4408% | 1,434 |
| Tier 1 risk-based capital ratio | 23.4554% | 1,099 |
| Total risk-based capital ratio | 24.7093% | 1,081 |
| Memoranda: | ||
| Average total assets | $102,716,000 | 4,809 |
| Average earning assets | $97,913,500 | 4,692 |
| Average equity | $12,523,500 | 4,498 |
| Average total loans | $79,280,250 | 4,098 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6359% | 3,209 |
| Cost of funding earning assets | 0.7968% | 3,212 |
| Net interest margin | 3.8391% | 3,184 |
| Noninterest income to average assets | 0.1366% | 6,507 |
| Noninterest expense to average assets | 2.5750% | 4,864 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.8701% | 3,043 |
| Return on assets (ROA) | 0.8701% | 3,306 |
| Pretax return on assets | 1.2270% | 2,815 |
| Return on Equity (ROE) | 7.1852% | 3,677 |
| Retained earnings to average equity (ytd only) | 7.1852% | 2,003 |
| Net charge-offs to loans | 4.1778% | 102 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 0.3751% | 4,893 |
| Efficiency ratio | 67.7270% | 4,183 |
| Assets per employee ($millions) | 4.2688% | 3,320 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1954% | 5,377 |
| Loan loss allowance to noncurrent loans | 25.3563% | 6,346 |
| Noncurrent assets plus other real estate owned to assets | 4.5505% | 1,085 |
| Noncurrent loans to loans | 4.7145% | 1,094 |
| Net loans and leases to total assets | 76.0764% | 961 |
| Net loans and leases to deposits | 86.8240% | 1,495 |
| Net loans and leases to core deposits | 92.3647% | 1,747 |
| Total domestic deposits to total assets | 87.6214% | 2,382 |
| Equity capital to assets | 12.3249% | 1,921 |
| Core capital (leverage) ratio | 12.3249% | 1,435 |
| Tier 1 risk-based capital ratio | 22.7637% | 1,163 |
| Total risk-based capital ratio | 24.0202% | 1,145 |
| Memoranda: | ||
| Average total assets | $102,522,330 | 4,844 |
| Average earning assets | $97,888,670 | 4,714 |
| Average equity | $12,414,330 | 4,523 |
| Average total loans | $80,281,000 | 4,097 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6538% | 3,243 |
| Cost of funding earning assets | 0.8754% | 2,868 |
| Net interest margin | 3.7784% | 3,489 |
| Noninterest income to average assets | 0.2106% | 6,115 |
| Noninterest expense to average assets | 2.4844% | 5,201 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.9868% | 2,530 |
| Return on assets (ROA) | 0.9868% | 2,724 |
| Pretax return on assets | 1.3456% | 2,373 |
| Return on Equity (ROE) | 8.2223% | 3,183 |
| Retained earnings to average equity (ytd only) | 8.2223% | 1,896 |
| Net charge-offs to loans | 5.0186% | 92 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 0.3396% | 4,194 |
| Efficiency ratio | 64.8676% | 4,766 |
| Assets per employee ($millions) | 4.5354% | 2,929 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0046% | 2,336 |
| Loan loss allowance to noncurrent loans | 35.4397% | 5,884 |
| Noncurrent assets plus other real estate owned to assets | 5.0999% | 1,009 |
| Noncurrent loans to loans | 5.6563% | 926 |
| Net loans and leases to total assets | 75.1694% | 898 |
| Net loans and leases to deposits | 85.4749% | 1,479 |
| Net loans and leases to core deposits | 91.5772% | 1,691 |
| Total domestic deposits to total assets | 87.9432% | 2,358 |
| Equity capital to assets | 11.9206% | 2,097 |
| Core capital (leverage) ratio | 11.9197% | 1,634 |
| Tier 1 risk-based capital ratio | 22.4720% | 1,212 |
| Total risk-based capital ratio | 23.7426% | 1,188 |
| Memoranda: | ||
| Average total assets | $102,558,000 | 4,877 |
| Average earning assets | $98,243,000 | 4,739 |
| Average equity | $12,308,000 | 4,551 |
| Average total loans | $80,979,500 | 4,092 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0375% | 2,723 |
| Cost of funding earning assets | 0.9478% | 3,735 |
| Net interest margin | 4.0898% | 2,470 |
| Noninterest income to average assets | 0.0445% | 6,857 |
| Noninterest expense to average assets | 2.3775% | 5,833 |
| Loan and lease loss provision to assets | 1.1594% | 771 |
| Net operating income to assets | 0.2593% | 5,402 |
| Return on assets (ROA) | 0.2568% | 5,552 |
| Pretax return on assets | 0.4205% | 5,228 |
| Return on Equity (ROE) | 2.0779% | 5,630 |
| Retained earnings to average equity (ytd only) | -0.1391% | 5,876 |
| Net charge-offs to loans | 0.9572% | 1,805 |
| Credit loss provision to net charge-offs | 143.9147% | 2,010 |
| Earnings coverage of net charge-offs (x) | 1.9661% | 4,309 |
| Efficiency ratio | 60.0153% | 5,757 |
| Assets per employee ($millions) | 4.2000% | 3,467 |
| Cash dividends to net income (ytd only)* | 106.6929% | 268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9629% | 6,355 |
| Loan loss allowance to noncurrent loans | 25.6419% | 6,405 |
| Noncurrent assets plus other real estate owned to assets | 3.6627% | 1,605 |
| Noncurrent loans to loans | 3.7551% | 1,676 |
| Net loans and leases to total assets | 80.5081% | 443 |
| Net loans and leases to deposits | 91.6859% | 996 |
| Net loans and leases to core deposits | 97.7853% | 1,349 |
| Total domestic deposits to total assets | 87.8087% | 2,272 |
| Equity capital to assets | 12.0842% | 2,055 |
| Core capital (leverage) ratio | 12.0842% | 1,546 |
| Tier 1 risk-based capital ratio | 20.7075% | 1,475 |
| Total risk-based capital ratio | 21.9587% | 1,450 |
| Memoranda: | ||
| Average total assets | $98,927,600 | 4,920 |
| Average earning assets | $94,748,600 | 4,787 |
| Average equity | $12,224,000 | 4,494 |
| Average total loans | $83,267,600 | 4,042 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0820% | 2,698 |
| Cost of funding earning assets | 0.9618% | 3,945 |
| Net interest margin | 4.1202% | 2,391 |
| Noninterest income to average assets | 0.0352% | 7,000 |
| Noninterest expense to average assets | 2.2235% | 6,226 |
| Loan and lease loss provision to assets | 1.1145% | 732 |
| Net operating income to assets | 0.4225% | 4,896 |
| Return on assets (ROA) | 0.4225% | 5,085 |
| Pretax return on assets | 0.6419% | 4,678 |
| Return on Equity (ROE) | 3.4001% | 5,270 |
| Retained earnings to average equity (ytd only) | 3.4001% | 4,315 |
| Net charge-offs to loans | 0.9649% | 1,670 |
| Credit loss provision to net charge-offs | 136.0331% | 2,348 |
| Earnings coverage of net charge-offs (x) | 2.1438% | 4,060 |
| Efficiency ratio | 55.8693% | 6,295 |
| Assets per employee ($millions) | 5.2102% | 1,919 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8578% | 6,703 |
| Loan loss allowance to noncurrent loans | 23.2696% | 6,567 |
| Noncurrent assets plus other real estate owned to assets | 3.7356% | 1,666 |
| Noncurrent loans to loans | 3.6866% | 1,852 |
| Net loans and leases to total assets | 82.4222% | 321 |
| Net loans and leases to deposits | 94.4812% | 799 |
| Net loans and leases to core deposits | 100.6129% | 1,193 |
| Total domestic deposits to total assets | 87.2366% | 2,502 |
| Equity capital to assets | 12.6341% | 1,829 |
| Core capital (leverage) ratio | 12.6367% | 1,372 |
| Tier 1 risk-based capital ratio | 21.3536% | 1,388 |
| Total risk-based capital ratio | 22.5587% | 1,382 |
| Memoranda: | ||
| Average total assets | $98,459,250 | 4,969 |
| Average earning assets | $94,264,500 | 4,842 |
| Average equity | $12,234,750 | 4,505 |
| Average total loans | $83,599,000 | 4,073 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1035% | 2,667 |
| Cost of funding earning assets | 0.9803% | 4,089 |
| Net interest margin | 4.1232% | 2,326 |
| Noninterest income to average assets | 0.0509% | 7,041 |
| Noninterest expense to average assets | 2.2548% | 6,231 |
| Loan and lease loss provision to assets | 1.6748% | 408 |
| Net operating income to assets | 0.0468% | 6,126 |
| Return on assets (ROA) | 0.0468% | 6,207 |
| Pretax return on assets | 0.0672% | 6,156 |
| Return on Equity (ROE) | 0.3788% | 6,220 |
| Retained earnings to average equity (ytd only) | 0.3788% | 5,692 |
| Net charge-offs to loans | 1.2662% | 1,230 |
| Credit loss provision to net charge-offs | 154.6992% | 1,970 |
| Earnings coverage of net charge-offs (x) | 1.6090% | 4,086 |
| Efficiency ratio | 56.4155% | 6,377 |
| Assets per employee ($millions) | 5.3071% | 1,751 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9256% | 6,587 |
| Loan loss allowance to noncurrent loans | 20.9712% | 6,689 |
| Noncurrent assets plus other real estate owned to assets | 4.4529% | 1,417 |
| Noncurrent loans to loans | 4.4135% | 1,519 |
| Net loans and leases to total assets | 82.0586% | 364 |
| Net loans and leases to deposits | 93.4854% | 907 |
| Net loans and leases to core deposits | 101.4318% | 1,216 |
| Total domestic deposits to total assets | 87.7769% | 2,294 |
| Equity capital to assets | 12.1179% | 2,017 |
| Core capital (leverage) ratio | 12.1197% | 1,546 |
| Tier 1 risk-based capital ratio | 20.4988% | 1,516 |
| Total risk-based capital ratio | 21.7485% | 1,488 |
| Memoranda: | ||
| Average total assets | $98,281,000 | 5,011 |
| Average earning assets | $94,053,670 | 4,882 |
| Average equity | $12,144,000 | 4,518 |
| Average total loans | $84,032,330 | 4,094 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1972% | 2,230 |
| Cost of funding earning assets | 1.0041% | 4,176 |
| Net interest margin | 4.1931% | 1,910 |
| Noninterest income to average assets | 0.0619% | 7,089 |
| Noninterest expense to average assets | 2.1442% | 6,542 |
| Loan and lease loss provision to assets | 3.1669% | 149 |
| Net operating income to assets | -0.7381% | 6,931 |
| Return on assets (ROA) | -0.7381% | 6,937 |
| Pretax return on assets | -1.2371% | 7,075 |
| Return on Equity (ROE) | -5.9142% | 6,858 |
| Retained earnings to average equity (ytd only) | -5.9142% | 6,586 |
| Net charge-offs to loans | 2.8710% | 381 |
| Credit loss provision to net charge-offs | 126.9421% | 2,174 |
| Earnings coverage of net charge-offs (x) | 0.7736% | 4,061 |
| Efficiency ratio | 52.6316% | 6,815 |
| Assets per employee ($millions) | 5.2358% | 1,845 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7665% | 6,981 |
| Loan loss allowance to noncurrent loans | 14.6558% | 6,926 |
| Noncurrent assets plus other real estate owned to assets | 5.2322% | 1,191 |
| Noncurrent loans to loans | 5.2300% | 1,268 |
| Net loans and leases to total assets | 83.9405% | 231 |
| Net loans and leases to deposits | 95.6551% | 715 |
| Net loans and leases to core deposits | 103.8220% | 1,073 |
| Total domestic deposits to total assets | 87.7533% | 2,517 |
| Equity capital to assets | 12.0798% | 1,871 |
| Core capital (leverage) ratio | 12.0816% | 1,517 |
| Tier 1 risk-based capital ratio | 19.9247% | 1,603 |
| Total risk-based capital ratio | 20.9940% | 1,615 |
| Memoranda: | ||
| Average total assets | $97,004,500 | 5,083 |
| Average earning assets | $92,820,000 | 4,949 |
| Average equity | $12,106,500 | 4,522 |
| Average total loans | $84,290,500 | 4,128 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1501% | 3,850 |
| Cost of funding earning assets | 1.2009% | 4,559 |
| Net interest margin | 3.9492% | 3,259 |
| Noninterest income to average assets | 0.2814% | 5,760 |
| Noninterest expense to average assets | 2.2591% | 6,459 |
| Loan and lease loss provision to assets | 1.2247% | 1,275 |
| Net operating income to assets | 0.3684% | 4,684 |
| Return on assets (ROA) | 0.3684% | 4,832 |
| Pretax return on assets | 0.6053% | 4,304 |
| Return on Equity (ROE) | 2.9651% | 4,975 |
| Retained earnings to average equity (ytd only) | 1.1323% | 4,979 |
| Net charge-offs to loans | 0.7288% | 2,832 |
| Credit loss provision to net charge-offs | 197.7124% | 1,601 |
| Earnings coverage of net charge-offs (x) | 2.9542% | 3,595 |
| Efficiency ratio | 55.2475% | 6,685 |
| Assets per employee ($millions) | 4.9752% | 2,188 |
| Cash dividends to net income (ytd only)* | 61.8132% | 1,540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7699% | 7,028 |
| Loan loss allowance to noncurrent loans | 17.5155% | 6,898 |
| Noncurrent assets plus other real estate owned to assets | 4.7340% | 1,387 |
| Noncurrent loans to loans | 4.3953% | 1,631 |
| Net loans and leases to total assets | 88.6310% | 85 |
| Net loans and leases to deposits | 101.8539% | 492 |
| Net loans and leases to core deposits | 110.7598% | 880 |
| Total domestic deposits to total assets | 87.0177% | 2,814 |
| Equity capital to assets | 12.9019% | 1,439 |
| Core capital (leverage) ratio | 12.9037% | 1,158 |
| Tier 1 risk-based capital ratio | 21.0107% | 1,315 |
| Total risk-based capital ratio | 22.1304% | 1,309 |
| Memoranda: | ||
| Average total assets | $98,799,800 | 5,018 |
| Average earning assets | $95,260,400 | 4,859 |
| Average equity | $12,276,200 | 4,539 |
| Average total loans | $83,972,200 | 4,215 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1021% | 4,300 |
| Cost of funding earning assets | 1.2330% | 4,671 |
| Net interest margin | 3.8691% | 3,662 |
| Noninterest income to average assets | 0.0654% | 7,202 |
| Noninterest expense to average assets | 2.0987% | 6,847 |
| Loan and lease loss provision to assets | 0.6582% | 2,322 |
| Net operating income to assets | 0.6475% | 3,656 |
| Return on assets (ROA) | 0.6475% | 3,821 |
| Pretax return on assets | 1.0454% | 3,013 |
| Return on Equity (ROE) | 5.2589% | 4,164 |
| Retained earnings to average equity (ytd only) | 5.2589% | 2,805 |
| Net charge-offs to loans | 0.7425% | 2,569 |
| Credit loss provision to net charge-offs | 105.5675% | 4,057 |
| Earnings coverage of net charge-offs (x) | 2.7323% | 3,781 |
| Efficiency ratio | 55.1966% | 6,656 |
| Assets per employee ($millions) | 5.1955% | 1,939 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3313% | 7,574 |
| Loan loss allowance to noncurrent loans | 6.9407% | 7,214 |
| Noncurrent assets plus other real estate owned to assets | 4.6680% | 1,424 |
| Noncurrent loans to loans | 4.7733% | 1,474 |
| Net loans and leases to total assets | 85.9424% | 204 |
| Net loans and leases to deposits | 98.5388% | 762 |
| Net loans and leases to core deposits | 108.5454% | 1,121 |
| Total domestic deposits to total assets | 87.2167% | 2,415 |
| Equity capital to assets | 12.7063% | 1,752 |
| Core capital (leverage) ratio | 12.7080% | 1,329 |
| Tier 1 risk-based capital ratio | 20.8538% | 1,383 |
| Total risk-based capital ratio | 21.2344% | 1,522 |
| Memoranda: | ||
| Average total assets | $99,867,500 | 5,052 |
| Average earning assets | $96,454,750 | 4,876 |
| Average equity | $12,296,250 | 4,598 |
| Average total loans | $83,857,250 | 4,291 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1593% | 4,145 |
| Cost of funding earning assets | 1.2573% | 4,783 |
| Net interest margin | 3.9020% | 3,437 |
| Noninterest income to average assets | 0.0778% | 7,198 |
| Noninterest expense to average assets | 2.0628% | 6,990 |
| Loan and lease loss provision to assets | 0.5446% | 2,598 |
| Net operating income to assets | 0.7042% | 3,389 |
| Return on assets (ROA) | 0.7042% | 3,540 |
| Pretax return on assets | 1.2409% | 2,287 |
| Return on Equity (ROE) | 5.7803% | 3,901 |
| Retained earnings to average equity (ytd only) | 5.7803% | 2,455 |
| Net charge-offs to loans | 0.8845% | 2,066 |
| Credit loss provision to net charge-offs | 73.9837% | 4,859 |
| Earnings coverage of net charge-offs (x) | 2.4255% | 3,781 |
| Efficiency ratio | 53.6029% | 6,926 |
| Assets per employee ($millions) | 5.3674% | 1,736 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2855% | 7,670 |
| Loan loss allowance to noncurrent loans | 9.1013% | 7,273 |
| Noncurrent assets plus other real estate owned to assets | 3.0310% | 2,352 |
| Noncurrent loans to loans | 3.1369% | 2,558 |
| Net loans and leases to total assets | 81.8533% | 549 |
| Net loans and leases to deposits | 93.2535% | 1,372 |
| Net loans and leases to core deposits | 102.3204% | 1,798 |
| Total domestic deposits to total assets | 87.7751% | 2,123 |
| Equity capital to assets | 12.1700% | 1,998 |
| Core capital (leverage) ratio | 12.1718% | 1,559 |
| Tier 1 risk-based capital ratio | 22.6016% | 1,112 |
| Total risk-based capital ratio | 23.0367% | 1,210 |
| Memoranda: | ||
| Average total assets | $100,251,670 | 5,068 |
| Average earning assets | $96,874,330 | 4,907 |
| Average equity | $12,214,000 | 4,621 |
| Average total loans | $83,436,330 | 4,341 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2575% | 3,745 |
| Cost of funding earning assets | 1.3019% | 4,802 |
| Net interest margin | 3.9556% | 3,074 |
| Noninterest income to average assets | 0.0563% | 7,432 |
| Noninterest expense to average assets | 1.9922% | 7,174 |
| Loan and lease loss provision to assets | 0.9297% | 1,359 |
| Net operating income to assets | 0.4347% | 4,690 |
| Return on assets (ROA) | 0.4347% | 4,823 |
| Pretax return on assets | 0.9619% | 3,229 |
| Return on Equity (ROE) | 3.5657% | 5,086 |
| Retained earnings to average equity (ytd only) | 3.5657% | 4,013 |
| Net charge-offs to loans | 0.9604% | 1,694 |
| Credit loss provision to net charge-offs | 115.5000% | 3,013 |
| Earnings coverage of net charge-offs (x) | 2.3500% | 3,369 |
| Efficiency ratio | 51.2953% | 7,209 |
| Assets per employee ($millions) | 5.2864% | 1,876 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4398% | 7,658 |
| Loan loss allowance to noncurrent loans | 17.4286% | 7,130 |
| Noncurrent assets plus other real estate owned to assets | 2.5179% | 2,888 |
| Noncurrent loans to loans | 2.5233% | 3,153 |
| Net loans and leases to total assets | 82.4932% | 532 |
| Net loans and leases to deposits | 94.1204% | 1,336 |
| Net loans and leases to core deposits | 103.9220% | 1,747 |
| Total domestic deposits to total assets | 87.6465% | 2,265 |
| Equity capital to assets | 12.1156% | 1,976 |
| Core capital (leverage) ratio | 12.1147% | 1,589 |
| Tier 1 risk-based capital ratio | 22.4701% | 1,150 |
| Total risk-based capital ratio | 23.1478% | 1,201 |
| Memoranda: | ||
| Average total assets | $99,387,500 | 5,165 |
| Average earning assets | $96,168,000 | 4,980 |
| Average equity | $12,115,500 | 4,690 |
| Average total loans | $83,298,000 | 4,407 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3430% | 4,969 |
| Cost of funding earning assets | 1.6924% | 4,555 |
| Net interest margin | 3.6507% | 4,349 |
| Noninterest income to average assets | 0.1187% | 7,160 |
| Noninterest expense to average assets | 2.2535% | 6,863 |
| Loan and lease loss provision to assets | 0.4685% | 4,016 |
| Net operating income to assets | 0.5759% | 3,423 |
| Return on assets (ROA) | 0.5759% | 3,498 |
| Pretax return on assets | 0.9493% | 2,763 |
| Return on Equity (ROE) | 4.6077% | 3,842 |
| Retained earnings to average equity (ytd only) | 0.9248% | 4,377 |
| Net charge-offs to loans | 0.6002% | 3,420 |
| Credit loss provision to net charge-offs | 91.7836% | 5,942 |
| Earnings coverage of net charge-offs (x) | 2.7776% | 3,705 |
| Efficiency ratio | 61.3820% | 6,266 |
| Assets per employee ($millions) | 5.1755% | 1,972 |
| Cash dividends to net income (ytd only)* | 79.9290% | 1,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4030% | 7,755 |
| Loan loss allowance to noncurrent loans | 18.3007% | 7,133 |
| Noncurrent assets plus other real estate owned to assets | 2.2769% | 3,035 |
| Noncurrent loans to loans | 2.2022% | 3,386 |
| Net loans and leases to total assets | 84.4438% | 397 |
| Net loans and leases to deposits | 96.3955% | 1,281 |
| Net loans and leases to core deposits | 130.2725% | 1,268 |
| Total domestic deposits to total assets | 87.6014% | 2,174 |
| Equity capital to assets | 12.2664% | 1,870 |
| Core capital (leverage) ratio | 12.2646% | 1,548 |
| Tier 1 risk-based capital ratio | 22.3222% | 1,118 |
| Total risk-based capital ratio | 22.8849% | 1,174 |
| Memoranda: | ||
| Average total assets | $97,760,200 | 5,147 |
| Average earning assets | $95,133,600 | 4,970 |
| Average equity | $12,218,600 | 4,703 |
| Average total loans | $83,145,200 | 4,410 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4265% | 4,814 |
| Cost of funding earning assets | 1.7453% | 4,666 |
| Net interest margin | 3.6812% | 4,154 |
| Noninterest income to average assets | 0.1161% | 7,314 |
| Noninterest expense to average assets | 2.1130% | 7,168 |
| Loan and lease loss provision to assets | 0.3196% | 4,429 |
| Net operating income to assets | 0.8605% | 2,573 |
| Return on assets (ROA) | 0.8605% | 2,638 |
| Pretax return on assets | 1.2702% | 2,042 |
| Return on Equity (ROE) | 6.8526% | 3,139 |
| Retained earnings to average equity (ytd only) | 6.8526% | 1,570 |
| Net charge-offs to loans | 0.4621% | 3,377 |
| Credit loss provision to net charge-offs | 81.2500% | 5,729 |
| Earnings coverage of net charge-offs (x) | 4.0417% | 3,288 |
| Efficiency ratio | 57.0638% | 6,864 |
| Assets per employee ($millions) | 4.9742% | 2,183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3872% | 7,833 |
| Loan loss allowance to noncurrent loans | 47.3684% | 5,151 |
| Noncurrent assets plus other real estate owned to assets | 1.1721% | 4,727 |
| Noncurrent loans to loans | 0.8174% | 5,663 |
| Net loans and leases to total assets | 83.7842% | 566 |
| Net loans and leases to deposits | 96.0176% | 1,573 |
| Net loans and leases to core deposits | 128.4259% | 1,541 |
| Total domestic deposits to total assets | 87.2591% | 2,043 |
| Equity capital to assets | 12.6454% | 1,862 |
| Core capital (leverage) ratio | 12.6436% | 1,525 |
| Tier 1 risk-based capital ratio | 23.5340% | 1,050 |
| Total risk-based capital ratio | 24.0823% | 1,096 |
| Memoranda: | ||
| Average total assets | $97,616,750 | 5,189 |
| Average earning assets | $95,111,000 | 5,004 |
| Average equity | $12,257,750 | 4,730 |
| Average total loans | $83,088,250 | 4,446 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4819% | 4,724 |
| Cost of funding earning assets | 1.7892% | 4,811 |
| Net interest margin | 3.6926% | 3,979 |
| Noninterest income to average assets | 0.1196% | 7,393 |
| Noninterest expense to average assets | 2.0908% | 7,293 |
| Loan and lease loss provision to assets | 0.3856% | 3,604 |
| Net operating income to assets | 0.8557% | 2,631 |
| Return on assets (ROA) | 0.8557% | 2,733 |
| Pretax return on assets | 1.2434% | 2,182 |
| Return on Equity (ROE) | 6.8311% | 3,271 |
| Retained earnings to average equity (ytd only) | 6.8311% | 1,647 |
| Net charge-offs to loans | 0.5718% | 2,616 |
| Credit loss provision to net charge-offs | 78.9030% | 5,231 |
| Earnings coverage of net charge-offs (x) | 3.3333% | 3,480 |
| Efficiency ratio | 56.2084% | 7,095 |
| Assets per employee ($millions) | 4.9099% | 2,183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3916% | 7,907 |
| Loan loss allowance to noncurrent loans | 38.8166% | 5,822 |
| Noncurrent assets plus other real estate owned to assets | 1.1416% | 4,666 |
| Noncurrent loans to loans | 1.0089% | 5,187 |
| Net loans and leases to total assets | 84.9610% | 514 |
| Net loans and leases to deposits | 97.3376% | 1,623 |
| Net loans and leases to core deposits | 130.1966% | 1,541 |
| Total domestic deposits to total assets | 87.2849% | 2,107 |
| Equity capital to assets | 12.5889% | 1,886 |
| Core capital (leverage) ratio | 12.5897% | 1,579 |
| Tier 1 risk-based capital ratio | 23.2992% | 1,107 |
| Total risk-based capital ratio | 23.8551% | 1,143 |
| Memoranda: | ||
| Average total assets | $96,994,670 | 5,252 |
| Average earning assets | $94,566,330 | 5,056 |
| Average equity | $12,150,330 | 4,771 |
| Average total loans | $82,892,670 | 4,503 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5079% | 4,872 |
| Cost of funding earning assets | 1.8502% | 4,874 |
| Net interest margin | 3.6578% | 4,070 |
| Noninterest income to average assets | 0.1286% | 7,371 |
| Noninterest expense to average assets | 1.9960% | 7,364 |
| Loan and lease loss provision to assets | 0.2075% | 4,365 |
| Net operating income to assets | 0.8092% | 3,094 |
| Return on assets (ROA) | 0.8092% | 3,253 |
| Pretax return on assets | 1.4939% | 1,683 |
| Return on Equity (ROE) | 6.4760% | 3,825 |
| Retained earnings to average equity (ytd only) | 6.4760% | 2,427 |
| Net charge-offs to loans | 0.7810% | 1,649 |
| Credit loss provision to net charge-offs | 31.0559% | 4,939 |
| Earnings coverage of net charge-offs (x) | 2.5466% | 3,478 |
| Efficiency ratio | 53.9843% | 7,226 |
| Assets per employee ($millions) | 4.9424% | 2,126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3182% | 8,018 |
| Loan loss allowance to noncurrent loans | 27.0517% | 6,765 |
| Noncurrent assets plus other real estate owned to assets | 1.2777% | 4,122 |
| Noncurrent loans to loans | 1.1762% | 4,628 |
| Net loans and leases to total assets | 84.6207% | 606 |
| Net loans and leases to deposits | 96.6648% | 1,843 |
| Net loans and leases to core deposits | 127.9249% | 1,791 |
| Total domestic deposits to total assets | 87.5403% | 1,952 |
| Equity capital to assets | 12.2836% | 2,087 |
| Core capital (leverage) ratio | 12.2845% | 1,770 |
| Tier 1 risk-based capital ratio | 22.8166% | 1,215 |
| Total risk-based capital ratio | 23.2563% | 1,272 |
| Memoranda: | ||
| Average total assets | $96,393,000 | 5,290 |
| Average earning assets | $94,046,000 | 5,086 |
| Average equity | $12,044,500 | 4,820 |
| Average total loans | $82,460,000 | 4,543 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7593% | 6,562 |
| Cost of funding earning assets | 2.3274% | 5,021 |
| Net interest margin | 3.4319% | 5,539 |
| Noninterest income to average assets | 0.1197% | 7,523 |
| Noninterest expense to average assets | 2.2121% | 6,936 |
| Loan and lease loss provision to assets | 0.2034% | 4,856 |
| Net operating income to assets | 0.6516% | 4,098 |
| Return on assets (ROA) | 0.6516% | 3,949 |
| Pretax return on assets | 1.0552% | 3,196 |
| Return on Equity (ROE) | 5.0397% | 4,369 |
| Retained earnings to average equity (ytd only) | 0.2376% | 5,088 |
| Net charge-offs to loans | 0.0485% | 6,093 |
| Credit loss provision to net charge-offs | 505.2632% | 859 |
| Earnings coverage of net charge-offs (x) | 31.2632% | 1,135 |
| Efficiency ratio | 63.7363% | 5,620 |
| Assets per employee ($millions) | 4.9442% | 2,003 |
| Cash dividends to net income (ytd only)* | 95.2846% | 1,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4666% | 7,893 |
| Loan loss allowance to noncurrent loans | 35.7616% | 6,355 |
| Noncurrent assets plus other real estate owned to assets | 1.1252% | 4,023 |
| Noncurrent loans to loans | 1.3048% | 3,903 |
| Net loans and leases to total assets | 85.8323% | 620 |
| Net loans and leases to deposits | 98.4265% | 2,064 |
| Net loans and leases to core deposits | 125.5547% | 2,202 |
| Total domestic deposits to total assets | 87.2045% | 1,837 |
| Equity capital to assets | 12.7178% | 1,911 |
| Core capital (leverage) ratio | 12.7188% | 1,652 |
| Tier 1 risk-based capital ratio | 23.5030% | 1,137 |
| Total risk-based capital ratio | 24.1817% | 1,176 |
| Memoranda: | ||
| Average total assets | $94,388,000 | 5,215 |
| Average earning assets | $92,164,400 | 5,023 |
| Average equity | $12,203,000 | 4,777 |
| Average total loans | $78,388,400 | 4,578 |