Home > The Bank of Fairfield > Performance and Condition Ratios
The Bank of Fairfield, Performance and Condition Ratios
| 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 | 4.6214% | 1,778 |
| Cost of funding earning assets | 0.5119% | 3,791 |
| Net interest margin | 4.1095% | 1,513 |
| Noninterest income to average assets | 0.6438% | 2,946 |
| Noninterest expense to average assets | 3.1529% | 2,505 |
| Loan and lease loss provision to assets | 0.2820% | 1,294 |
| Net operating income to assets | 0.6900% | 3,856 |
| Return on assets (ROA) | 0.6900% | 4,026 |
| Pretax return on assets | 1.1553% | 2,860 |
| Return on Equity (ROE) | 8.1495% | 3,013 |
| Retained earnings to average equity (ytd only) | 8.1495% | 1,420 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6871% | 4,062 |
| Assets per employee ($millions) | 11.3142% | 166 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4610% | 3,764 |
| Loan loss allowance to noncurrent loans | 534.6341% | 820 |
| Noncurrent assets plus other real estate owned to assets | 0.2416% | 5,765 |
| Noncurrent loans to loans | 0.2733% | 5,615 |
| Net loans and leases to total assets | 87.1159% | 114 |
| Net loans and leases to deposits | 100.1165% | 420 |
| Net loans and leases to core deposits | 111.6037% | 497 |
| Total domestic deposits to total assets | 87.0145% | 2,812 |
| Equity capital to assets | 8.1349% | 6,105 |
| Core capital (leverage) ratio | 8.4106% | 5,763 |
| Tier 1 risk-based capital ratio | 10.3098% | 6,565 |
| Total risk-based capital ratio | 11.5646% | 6,535 |
| Memoranda: | ||
| Average total assets | $160,298,330 | 3,605 |
| Average earning assets | $153,936,000 | 3,491 |
| Average equity | $13,571,330 | 4,226 |
| Average total loans | $144,382,330 | 2,653 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7889% | 1,313 |
| Cost of funding earning assets | 0.5062% | 4,024 |
| Net interest margin | 4.2827% | 998 |
| Noninterest income to average assets | 0.0437% | 6,753 |
| Noninterest expense to average assets | 3.1159% | 2,625 |
| Loan and lease loss provision to assets | 0.1543% | 2,330 |
| Net operating income to assets | 0.5142% | 4,595 |
| Return on assets (ROA) | 0.5142% | 4,736 |
| Pretax return on assets | 0.8844% | 3,818 |
| Return on Equity (ROE) | 5.9462% | 4,079 |
| Retained earnings to average equity (ytd only) | 5.9462% | 2,706 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0000% | 3,099 |
| Assets per employee ($millions) | 8.9948% | 321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3983% | 4,240 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 93.4328% | 11 |
| Net loans and leases to deposits | 111.2150% | 115 |
| Net loans and leases to core deposits | 124.3247% | 228 |
| Total domestic deposits to total assets | 84.0110% | 4,475 |
| Equity capital to assets | 8.8614% | 5,651 |
| Core capital (leverage) ratio | 8.6529% | 5,390 |
| Tier 1 risk-based capital ratio | 10.7354% | 6,508 |
| Total risk-based capital ratio | 11.9897% | 6,473 |
| Memoranda: | ||
| Average total assets | $155,591,000 | 3,716 |
| Average earning assets | $149,345,500 | 3,604 |
| Average equity | $13,454,000 | 4,295 |
| Average total loans | $141,554,000 | 2,703 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8682% | 1,958 |
| Cost of funding earning assets | 0.7328% | 3,225 |
| Net interest margin | 4.1353% | 1,869 |
| Noninterest income to average assets | 0.0454% | 6,708 |
| Noninterest expense to average assets | 3.2960% | 2,348 |
| Loan and lease loss provision to assets | 0.2537% | 2,624 |
| Net operating income to assets | 0.3673% | 5,228 |
| Return on assets (ROA) | 0.3697% | 5,452 |
| Pretax return on assets | 0.4485% | 5,430 |
| Return on Equity (ROE) | 3.8128% | 5,224 |
| Retained earnings to average equity (ytd only) | 3.8128% | 3,525 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4986% | 1,808 |
| Assets per employee ($millions) | 9.8919% | 248 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4224% | 4,054 |
| Loan loss allowance to noncurrent loans | 166.8930% | 2,165 |
| Noncurrent assets plus other real estate owned to assets | 0.7443% | 4,614 |
| Noncurrent loans to loans | 0.8523% | 4,478 |
| Net loans and leases to total assets | 86.0846% | 123 |
| Net loans and leases to deposits | 106.4222% | 218 |
| Net loans and leases to core deposits | 117.2976% | 329 |
| Total domestic deposits to total assets | 80.8897% | 5,436 |
| Equity capital to assets | 8.4400% | 6,093 |
| Core capital (leverage) ratio | 8.3883% | 5,771 |
| Tier 1 risk-based capital ratio | 10.7988% | 6,430 |
| Total risk-based capital ratio | 12.0531% | 6,401 |
| Memoranda: | ||
| Average total assets | $134,434,400 | 4,051 |
| Average earning assets | $128,405,800 | 3,937 |
| Average equity | $13,035,200 | 4,351 |
| Average total loans | $117,673,000 | 3,132 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9157% | 1,950 |
| Cost of funding earning assets | 0.7517% | 3,340 |
| Net interest margin | 4.1640% | 1,852 |
| Noninterest income to average assets | 0.0446% | 6,823 |
| Noninterest expense to average assets | 3.4039% | 1,993 |
| Loan and lease loss provision to assets | 0.2439% | 2,613 |
| Net operating income to assets | 0.3655% | 5,390 |
| Return on assets (ROA) | 0.3694% | 5,574 |
| Pretax return on assets | 0.3850% | 5,750 |
| Return on Equity (ROE) | 3.6640% | 5,427 |
| Retained earnings to average equity (ytd only) | 3.6640% | 4,310 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4925% | 1,533 |
| Assets per employee ($millions) | 10.8724% | 188 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4659% | 4,087 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 82.1376% | 333 |
| Net loans and leases to deposits | 97.4049% | 577 |
| Net loans and leases to core deposits | 109.3287% | 595 |
| Total domestic deposits to total assets | 84.3260% | 4,067 |
| Equity capital to assets | 8.6799% | 6,120 |
| Core capital (leverage) ratio | 9.0274% | 5,021 |
| Tier 1 risk-based capital ratio | 11.5485% | 6,200 |
| Total risk-based capital ratio | 12.8035% | 6,172 |
| Memoranda: | ||
| Average total assets | $128,475,250 | 4,226 |
| Average earning assets | $122,923,000 | 4,078 |
| Average equity | $12,954,500 | 4,405 |
| Average total loans | $112,538,000 | 3,268 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1252% | 1,437 |
| Cost of funding earning assets | 0.7312% | 3,755 |
| Net interest margin | 4.3940% | 1,216 |
| Noninterest income to average assets | 0.0431% | 6,882 |
| Noninterest expense to average assets | 3.6993% | 1,375 |
| Loan and lease loss provision to assets | 0.2903% | 2,258 |
| Net operating income to assets | 0.1733% | 5,996 |
| Return on assets (ROA) | 0.1775% | 6,158 |
| Pretax return on assets | 0.2770% | 5,998 |
| Return on Equity (ROE) | 1.6630% | 6,147 |
| Retained earnings to average equity (ytd only) | 1.6630% | 5,370 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.8380% | 1,357 |
| Assets per employee ($millions) | 9.1410% | 304 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5515% | 3,772 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 89.2525% | 54 |
| Net loans and leases to deposits | 107.1221% | 199 |
| Net loans and leases to core deposits | 119.9752% | 313 |
| Total domestic deposits to total assets | 83.3185% | 4,617 |
| Equity capital to assets | 10.1122% | 4,174 |
| Core capital (leverage) ratio | 10.0241% | 3,392 |
| Tier 1 risk-based capital ratio | 12.3378% | 5,695 |
| Total risk-based capital ratio | 13.5939% | 5,667 |
| Memoranda: | ||
| Average total assets | $120,562,330 | 4,411 |
| Average earning assets | $115,703,330 | 4,280 |
| Average equity | $12,868,670 | 4,419 |
| Average total loans | $107,755,670 | 3,386 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2433% | 1,221 |
| Cost of funding earning assets | 0.6972% | 4,306 |
| Net interest margin | 4.5461% | 928 |
| Noninterest income to average assets | 0.0513% | 6,922 |
| Noninterest expense to average assets | 3.8440% | 1,146 |
| Loan and lease loss provision to assets | 0.2567% | 2,400 |
| Net operating income to assets | 0.2102% | 5,952 |
| Return on assets (ROA) | 0.2191% | 6,068 |
| Pretax return on assets | 0.3389% | 5,884 |
| Return on Equity (ROE) | 1.9949% | 6,080 |
| Retained earnings to average equity (ytd only) | 1.9949% | 5,269 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.8523% | 1,392 |
| Assets per employee ($millions) | 7.4394% | 610 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5706% | 3,845 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 89.5060% | 47 |
| Net loans and leases to deposits | 109.0527% | 148 |
| Net loans and leases to core deposits | 123.4920% | 260 |
| Total domestic deposits to total assets | 82.0759% | 5,270 |
| Equity capital to assets | 10.8057% | 3,140 |
| Core capital (leverage) ratio | 10.8736% | 2,361 |
| Tier 1 risk-based capital ratio | 13.1122% | 5,124 |
| Total risk-based capital ratio | 14.3680% | 5,092 |
| Memoranda: | ||
| Average total assets | $116,856,500 | 4,520 |
| Average earning assets | $112,448,000 | 4,368 |
| Average equity | $12,832,500 | 4,430 |
| Average total loans | $103,623,500 | 3,511 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2320% | 1,941 |
| Cost of funding earning assets | 0.7794% | 5,003 |
| Net interest margin | 4.4526% | 1,256 |
| Noninterest income to average assets | 0.2362% | 5,845 |
| Noninterest expense to average assets | 4.1442% | 863 |
| Loan and lease loss provision to assets | 0.3198% | 3,126 |
| Net operating income to assets | 0.1299% | 5,790 |
| Return on assets (ROA) | 0.1319% | 5,915 |
| Pretax return on assets | 0.0246% | 6,081 |
| Return on Equity (ROE) | 1.1634% | 5,927 |
| Retained earnings to average equity (ytd only) | 1.1634% | 5,311 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.3667% | 1,024 |
| Assets per employee ($millions) | 7.1677% | 669 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6413% | 3,414 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 84.9149% | 167 |
| Net loans and leases to deposits | 111.4630% | 152 |
| Net loans and leases to core deposits | 126.9479% | 270 |
| Total domestic deposits to total assets | 76.1822% | 6,460 |
| Equity capital to assets | 11.1638% | 2,832 |
| Core capital (leverage) ratio | 11.2959% | 2,043 |
| Tier 1 risk-based capital ratio | 13.6569% | 4,584 |
| Total risk-based capital ratio | 14.9129% | 4,541 |
| Memoranda: | ||
| Average total assets | $101,610,800 | 4,851 |
| Average earning assets | $96,999,000 | 4,711 |
| Average equity | $11,518,200 | 4,656 |
| Average total loans | $85,141,000 | 3,994 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2319% | 2,092 |
| Cost of funding earning assets | 0.7975% | 5,170 |
| Net interest margin | 4.4345% | 1,307 |
| Noninterest income to average assets | 0.2847% | 5,570 |
| Noninterest expense to average assets | 4.3439% | 680 |
| Loan and lease loss provision to assets | 0.2305% | 3,711 |
| Net operating income to assets | -0.0508% | 6,224 |
| Return on assets (ROA) | -0.0488% | 6,318 |
| Pretax return on assets | -0.0651% | 6,299 |
| Return on Equity (ROE) | -0.4287% | 6,312 |
| Retained earnings to average equity (ytd only) | -0.4287% | 6,055 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.3899% | 797 |
| Assets per employee ($millions) | 6.9129% | 772 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5938% | 3,697 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 82.0570% | 351 |
| Net loans and leases to deposits | 103.5258% | 331 |
| Net loans and leases to core deposits | 117.0629% | 467 |
| Total domestic deposits to total assets | 79.2624% | 5,933 |
| Equity capital to assets | 11.4171% | 2,765 |
| Core capital (leverage) ratio | 11.8952% | 1,767 |
| Tier 1 risk-based capital ratio | 14.7291% | 3,818 |
| Total risk-based capital ratio | 15.9854% | 3,790 |
| Memoranda: | ||
| Average total assets | $98,342,750 | 4,972 |
| Average earning assets | $93,628,000 | 4,855 |
| Average equity | $11,197,000 | 4,760 |
| Average total loans | $81,674,250 | 4,128 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2932% | 1,912 |
| Cost of funding earning assets | 0.7906% | 5,444 |
| Net interest margin | 4.5025% | 1,127 |
| Noninterest income to average assets | 0.3989% | 4,690 |
| Noninterest expense to average assets | 4.5663% | 553 |
| Loan and lease loss provision to assets | 0.2674% | 3,261 |
| Net operating income to assets | -0.1090% | 6,360 |
| Return on assets (ROA) | -0.1061% | 6,410 |
| Pretax return on assets | -0.1528% | 6,416 |
| Return on Equity (ROE) | -0.9328% | 6,395 |
| Retained earnings to average equity (ytd only) | -0.9328% | 6,039 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.6407% | 804 |
| Assets per employee ($millions) | 6.4681% | 941 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7290% | 3,230 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 78.3177% | 736 |
| Net loans and leases to deposits | 95.9479% | 725 |
| Net loans and leases to core deposits | 108.2079% | 806 |
| Total domestic deposits to total assets | 81.6253% | 5,308 |
| Equity capital to assets | 10.3546% | 3,685 |
| Core capital (leverage) ratio | 10.9892% | 2,258 |
| Tier 1 risk-based capital ratio | 14.0422% | 4,145 |
| Total risk-based capital ratio | 15.3004% | 4,109 |
| Memoranda: | ||
| Average total assets | $94,255,000 | 5,129 |
| Average earning assets | $89,549,670 | 5,012 |
| Average equity | $10,720,000 | 4,863 |
| Average total loans | $78,155,670 | 4,280 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3872% | 1,603 |
| Cost of funding earning assets | 0.7816% | 5,663 |
| Net interest margin | 4.6055% | 854 |
| Noninterest income to average assets | 0.4730% | 4,094 |
| Noninterest expense to average assets | 4.8506% | 415 |
| Loan and lease loss provision to assets | 0.4016% | 2,190 |
| Net operating income to assets | -0.2633% | 6,624 |
| Return on assets (ROA) | -0.2633% | 6,638 |
| Pretax return on assets | -0.3882% | 6,677 |
| Return on Equity (ROE) | -2.2011% | 6,607 |
| Retained earnings to average equity (ytd only) | -2.2011% | 6,181 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.7248% | 757 |
| Assets per employee ($millions) | 5.5220% | 1,550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7641% | 3,119 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 82.4563% | 309 |
| Net loans and leases to deposits | 101.9896% | 378 |
| Net loans and leases to core deposits | 117.4137% | 492 |
| Total domestic deposits to total assets | 80.8477% | 5,704 |
| Equity capital to assets | 11.3983% | 2,347 |
| Core capital (leverage) ratio | 11.9029% | 1,613 |
| Tier 1 risk-based capital ratio | 14.7636% | 3,571 |
| Total risk-based capital ratio | 15.4252% | 3,924 |
| Memoranda: | ||
| Average total assets | $89,637,500 | 5,303 |
| Average earning assets | $85,462,500 | 5,172 |
| Average equity | $10,722,000 | 4,863 |
| Average total loans | $75,995,000 | 4,386 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2073% | 3,571 |
| Cost of funding earning assets | 1.0330% | 5,519 |
| Net interest margin | 4.1743% | 2,280 |
| Noninterest income to average assets | 0.7793% | 2,381 |
| Noninterest expense to average assets | 4.9166% | 451 |
| Loan and lease loss provision to assets | 0.4742% | 3,293 |
| Net operating income to assets | -0.4524% | 6,354 |
| Return on assets (ROA) | -0.4524% | 6,382 |
| Pretax return on assets | -0.6755% | 6,443 |
| Return on Equity (ROE) | -3.5098% | 6,323 |
| Retained earnings to average equity (ytd only) | -3.5098% | 6,154 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.2675% | 664 |
| Assets per employee ($millions) | 4.7445% | 2,502 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7761% | 2,939 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 84.1852% | 287 |
| Net loans and leases to deposits | 115.3717% | 150 |
| Net loans and leases to core deposits | 139.9961% | 226 |
| Total domestic deposits to total assets | 72.9687% | 6,999 |
| Equity capital to assets | 12.5806% | 1,584 |
| Core capital (leverage) ratio | 13.2501% | 1,050 |
| Tier 1 risk-based capital ratio | 16.4071% | 2,567 |
| Total risk-based capital ratio | 17.1000% | 2,779 |
| Memoranda: | ||
| Average total assets | $78,020,800 | 5,643 |
| Average earning assets | $73,569,800 | 5,551 |
| Average equity | $10,057,600 | 5,114 |
| Average total loans | $59,022,800 | 5,111 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1368% | 4,140 |
| Cost of funding earning assets | 1.1167% | 5,335 |
| Net interest margin | 4.0201% | 3,004 |
| Noninterest income to average assets | 0.6949% | 2,847 |
| Noninterest expense to average assets | 4.8571% | 423 |
| Loan and lease loss provision to assets | 0.4901% | 3,022 |
| Net operating income to assets | -0.5811% | 6,652 |
| Return on assets (ROA) | -0.5811% | 6,701 |
| Pretax return on assets | -0.8717% | 6,784 |
| Return on Equity (ROE) | -4.4776% | 6,604 |
| Retained earnings to average equity (ytd only) | -4.4776% | 6,510 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.5256% | 553 |
| Assets per employee ($millions) | 4.1519% | 3,540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9816% | 2,274 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 80.0880% | 734 |
| Net loans and leases to deposits | 95.3134% | 1,065 |
| Net loans and leases to core deposits | 115.8483% | 751 |
| Total domestic deposits to total assets | 84.0260% | 4,116 |
| Equity capital to assets | 13.1199% | 1,518 |
| Core capital (leverage) ratio | 12.5246% | 1,397 |
| Tier 1 risk-based capital ratio | 17.4204% | 2,198 |
| Total risk-based capital ratio | 18.3022% | 2,284 |
| Memoranda: | ||
| Average total assets | $76,175,750 | 5,763 |
| Average earning assets | $71,638,250 | 5,677 |
| Average equity | $9,886,000 | 5,230 |
| Average total loans | $55,479,750 | 5,329 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8237% | 5,707 |
| Cost of funding earning assets | 1.1387% | 5,468 |
| Net interest margin | 3.6850% | 4,431 |
| Noninterest income to average assets | 0.6079% | 3,279 |
| Noninterest expense to average assets | 4.6389% | 502 |
| Loan and lease loss provision to assets | 0.4957% | 2,819 |
| Net operating income to assets | -0.7018% | 6,809 |
| Return on assets (ROA) | -0.7018% | 6,821 |
| Pretax return on assets | -1.0567% | 6,916 |
| Return on Equity (ROE) | -5.4272% | 6,731 |
| Retained earnings to average equity (ytd only) | -5.4272% | 6,601 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 113.7556% | 496 |
| Assets per employee ($millions) | 4.3578% | 3,120 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7819% | 2,780 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 74.5610% | 1,799 |
| Net loans and leases to deposits | 85.3719% | 2,618 |
| Net loans and leases to core deposits | 98.6797% | 2,154 |
| Total domestic deposits to total assets | 87.3367% | 2,364 |
| Equity capital to assets | 11.9025% | 2,154 |
| Core capital (leverage) ratio | 12.3987% | 1,450 |
| Tier 1 risk-based capital ratio | 17.5631% | 2,090 |
| Total risk-based capital ratio | 18.2670% | 2,222 |
| Memoranda: | ||
| Average total assets | $76,656,330 | 5,785 |
| Average earning assets | $72,184,670 | 5,699 |
| Average equity | $9,913,000 | 5,226 |
| Average total loans | $53,618,670 | 5,441 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7602% | 6,034 |
| Cost of funding earning assets | 1.2636% | 5,045 |
| Net interest margin | 3.4965% | 5,174 |
| Noninterest income to average assets | 0.6414% | 2,983 |
| Noninterest expense to average assets | 4.5770% | 528 |
| Loan and lease loss provision to assets | 0.3805% | 3,082 |
| Net operating income to assets | -0.6795% | 6,947 |
| Return on assets (ROA) | -0.6795% | 6,972 |
| Pretax return on assets | -1.0219% | 7,059 |
| Return on Equity (ROE) | -5.0292% | 6,886 |
| Retained earnings to average equity (ytd only) | -5.0292% | 6,592 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 116.2983% | 490 |
| Assets per employee ($millions) | 4.2889% | 3,305 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0275% | 2,113 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 62.5946% | 4,633 |
| Net loans and leases to deposits | 72.0368% | 5,041 |
| Net loans and leases to core deposits | 83.3917% | 4,282 |
| Total domestic deposits to total assets | 86.8925% | 2,681 |
| Equity capital to assets | 12.8368% | 1,588 |
| Core capital (leverage) ratio | 13.6283% | 1,047 |
| Tier 1 risk-based capital ratio | 21.4829% | 1,270 |
| Total risk-based capital ratio | 22.3858% | 1,297 |
| Memoranda: | ||
| Average total assets | $73,585,500 | 5,951 |
| Average earning assets | $69,325,500 | 5,867 |
| Average equity | $9,942,000 | 5,254 |
| Average total loans | $49,000,500 | 5,712 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3560% | 7,514 |
| Cost of funding earning assets | 1.4298% | 5,806 |
| Net interest margin | 2.9262% | 6,809 |
| Noninterest income to average assets | 0.1174% | 7,171 |
| Noninterest expense to average assets | 6.8418% | 216 |
| Loan and lease loss provision to assets | 1.3357% | 1,718 |
| Net operating income to assets | -3.5925% | 7,529 |
| Return on assets (ROA) | -3.5925% | 7,537 |
| Pretax return on assets | -5.4302% | 7,753 |
| Return on Equity (ROE) | -14.5685% | 6,914 |
| Retained earnings to average equity (ytd only) | -14.5685% | 6,860 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 249.0360% | 87 |
| Assets per employee ($millions) | 4.3732% | 3,157 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9105% | 2,237 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 68.2397% | 3,647 |
| Net loans and leases to deposits | 81.3203% | 3,731 |
| Net loans and leases to core deposits | 107.0367% | 3,213 |
| Total domestic deposits to total assets | 83.9148% | 4,061 |
| Equity capital to assets | 14.2545% | 1,093 |
| Core capital (leverage) ratio | 16.5366% | 548 |
| Tier 1 risk-based capital ratio | 22.4628% | 1,099 |
| Total risk-based capital ratio | 23.2589% | 1,128 |
| Memoranda: | ||
| Average total assets | $43,424,000 | 6,971 |
| Average earning assets | $39,026,200 | 6,975 |
| Average equity | $10,708,000 | 5,101 |
| Average total loans | $26,147,400 | 6,846 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9444% | 7,821 |
| Cost of funding earning assets | 1.5003% | 5,823 |
| Net interest margin | 2.4441% | 7,519 |
| Noninterest income to average assets | 0.0471% | 7,665 |
| Noninterest expense to average assets | 7.9265% | 161 |
| Loan and lease loss provision to assets | 1.5585% | 1,221 |
| Net operating income to assets | -4.8204% | 7,824 |
| Return on assets (ROA) | -4.8204% | 7,822 |
| Pretax return on assets | -7.2886% | 7,971 |
| Return on Equity (ROE) | -16.2814% | 7,250 |
| Retained earnings to average equity (ytd only) | -16.2814% | 7,201 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 360.8911% | 49 |
| Assets per employee ($millions) | 3.4350% | 5,087 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1769% | 1,460 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 68.0272% | 3,953 |
| Net loans and leases to deposits | 85.6365% | 3,392 |
| Net loans and leases to core deposits | 143.7695% | 771 |
| Total domestic deposits to total assets | 79.4372% | 5,646 |
| Equity capital to assets | 19.9631% | 342 |
| Core capital (leverage) ratio | 23.8622% | 191 |
| Tier 1 risk-based capital ratio | 29.6473% | 590 |
| Total risk-based capital ratio | 30.6373% | 593 |
| Memoranda: | ||
| Average total assets | $36,787,250 | 7,281 |
| Average earning assets | $32,349,000 | 7,312 |
| Average equity | $10,891,500 | 5,095 |
| Average total loans | $20,514,750 | 7,231 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6148% | 8,010 |
| Cost of funding earning assets | 1.7045% | 5,248 |
| Net interest margin | 1.9102% | 7,907 |
| Noninterest income to average assets | 0.0565% | 7,707 |
| Noninterest expense to average assets | 8.9977% | 136 |
| Loan and lease loss provision to assets | 1.8824% | 870 |
| Net operating income to assets | -6.0801% | 8,004 |
| Return on assets (ROA) | -6.0801% | 7,995 |
| Pretax return on assets | -9.1923% | 8,081 |
| Return on Equity (ROE) | -17.4700% | 7,437 |
| Retained earnings to average equity (ytd only) | -17.4700% | 7,370 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 533.0855% | 35 |
| Assets per employee ($millions) | 2.4648% | 7,316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2688% | 460 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 52.0259% | 6,689 |
| Net loans and leases to deposits | 73.9097% | 5,466 |
| Net loans and leases to core deposits | 140.9054% | 976 |
| Total domestic deposits to total assets | 70.3911% | 7,428 |
| Equity capital to assets | 28.7461% | 150 |
| Core capital (leverage) ratio | 30.9137% | 131 |
| Tier 1 risk-based capital ratio | 43.4872% | 249 |
| Total risk-based capital ratio | 44.7554% | 241 |
| Memoranda: | ||
| Average total assets | $31,874,670 | 7,535 |
| Average earning assets | $27,221,670 | 7,588 |
| Average equity | $11,093,330 | 5,059 |
| Average total loans | $15,409,330 | 7,567 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4516% | 8,099 |
| Cost of funding earning assets | 1.9000% | 4,628 |
| Net interest margin | 1.5516% | 8,047 |
| Noninterest income to average assets | 0.0000% | 8,039 |
| Noninterest expense to average assets | 9.9434% | 119 |
| Loan and lease loss provision to assets | 2.0460% | 587 |
| Net operating income to assets | -7.3109% | 8,129 |
| Return on assets (ROA) | -7.3109% | 8,119 |
| Pretax return on assets | -10.6527% | 8,161 |
| Return on Equity (ROE) | -18.9299% | 7,730 |
| Retained earnings to average equity (ytd only) | -18.9299% | 7,615 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 743.8776% | 27 |
| Assets per employee ($millions) | 2.2558% | 7,643 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4074% | 340 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 41.8891% | 7,473 |
| Net loans and leases to deposits | 63.2711% | 6,630 |
| Net loans and leases to core deposits | 130.8651% | 1,607 |
| Total domestic deposits to total assets | 66.2056% | 7,721 |
| Equity capital to assets | 32.6832% | 120 |
| Core capital (leverage) ratio | 37.3779% | 107 |
| Tier 1 risk-based capital ratio | 56.2799% | 156 |
| Total risk-based capital ratio | 57.5471% | 154 |
| Memoranda: | ||
| Average total assets | $29,326,000 | 7,674 |
| Average earning assets | $25,263,500 | 7,715 |
| Average equity | $11,326,000 | 5,024 |
| Average total loans | $13,171,500 | 7,737 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2852% | 8,252 |
| Cost of funding earning assets | 0.3373% | 8,216 |
| Net interest margin | 0.9479% | 8,233 |
| Noninterest income to average assets | 0.0452% | 7,913 |
| Noninterest expense to average assets | 9.4248% | 156 |
| Loan and lease loss provision to assets | 1.7574% | 725 |
| Net operating income to assets | -7.0799% | 8,198 |
| Return on assets (ROA) | -7.0799% | 8,192 |
| Pretax return on assets | -10.3186% | 8,247 |
| Return on Equity (ROE) | -11.8517% | 7,417 |
| Retained earnings to average equity (ytd only) | -11.8517% | 7,233 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 1,091.2791% | 15 |
| Assets per employee ($millions) | 1.6543% | 8,113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9994% | 431 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 45.6135% | 7,362 |
| Net loans and leases to deposits | 87.1296% | 3,919 |
| Net loans and leases to core deposits | 183.5414% | 252 |
| Total domestic deposits to total assets | 52.3514% | 8,107 |
| Equity capital to assets | 46.7177% | 84 |
| Core capital (leverage) ratio | 58.8686% | 64 |
| Tier 1 risk-based capital ratio | 73.2159% | 111 |
| Total risk-based capital ratio | 74.4790% | 110 |
| Memoranda: | ||
| Average total assets | $19,915,500 | 8,017 |
| Average earning assets | $17,196,000 | 8,036 |
| Average equity | $11,897,000 | 4,857 |
| Average total loans | $9,188,500 | 7,979 |