Home > First Federal Bank > Performance and Condition Ratios
First Federal Bank, 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 | 5.4917% | 378 |
| Cost of funding earning assets | 0.7421% | 1,751 |
| Net interest margin | 4.7496% | 465 |
| Noninterest income to average assets | 1.8005% | 514 |
| Noninterest expense to average assets | 4.0931% | 779 |
| Loan and lease loss provision to assets | 0.4253% | 708 |
| Net operating income to assets | 0.9968% | 2,339 |
| Return on assets (ROA) | 0.9824% | 2,550 |
| Pretax return on assets | 1.4835% | 1,671 |
| Return on Equity (ROE) | 9.3982% | 2,459 |
| Retained earnings to average equity (ytd only) | 9.3982% | 997 |
| Net charge-offs to loans | 0.9676% | 636 |
| Credit loss provision to net charge-offs | 56.0376% | 3,101 |
| Earnings coverage of net charge-offs (x) | 2.5438% | 3,675 |
| Efficiency ratio | 66.9531% | 4,371 |
| Assets per employee ($millions) | 3.6806% | 4,438 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7587% | 2,570 |
| Loan loss allowance to noncurrent loans | 101.4147% | 3,419 |
| Noncurrent assets plus other real estate owned to assets | 2.4417% | 1,743 |
| Noncurrent loans to loans | 1.7342% | 2,719 |
| Net loans and leases to total assets | 76.2846% | 953 |
| Net loans and leases to deposits | 94.4022% | 783 |
| Net loans and leases to core deposits | 102.5465% | 914 |
| Total domestic deposits to total assets | 80.8081% | 5,400 |
| Equity capital to assets | 10.7854% | 2,960 |
| Core capital (leverage) ratio | 10.5846% | 2,785 |
| Tier 1 risk-based capital ratio | 15.2928% | 3,601 |
| Total risk-based capital ratio | 16.5745% | 3,534 |
| Memoranda: | ||
| Average total assets | $3,195,098,000 | 236 |
| Average earning assets | $2,840,916,670 | 235 |
| Average equity | $333,980,000 | 249 |
| Average total loans | $2,506,089,670 | 201 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5572% | 339 |
| Cost of funding earning assets | 0.7596% | 1,779 |
| Net interest margin | 4.7976% | 406 |
| Noninterest income to average assets | 1.8880% | 463 |
| Noninterest expense to average assets | 4.1175% | 778 |
| Loan and lease loss provision to assets | 0.7442% | 312 |
| Net operating income to assets | 0.8542% | 2,884 |
| Return on assets (ROA) | 0.8321% | 3,139 |
| Pretax return on assets | 1.2530% | 2,405 |
| Return on Equity (ROE) | 8.0878% | 2,927 |
| Retained earnings to average equity (ytd only) | 8.0878% | 1,721 |
| Net charge-offs to loans | 0.9585% | 639 |
| Credit loss provision to net charge-offs | 98.4991% | 1,895 |
| Earnings coverage of net charge-offs (x) | 2.6876% | 2,971 |
| Efficiency ratio | 65.9350% | 4,674 |
| Assets per employee ($millions) | 3.6903% | 4,581 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8896% | 2,332 |
| Loan loss allowance to noncurrent loans | 105.5881% | 3,211 |
| Noncurrent assets plus other real estate owned to assets | 2.6212% | 1,739 |
| Noncurrent loans to loans | 1.7896% | 2,876 |
| Net loans and leases to total assets | 76.6991% | 751 |
| Net loans and leases to deposits | 94.1642% | 659 |
| Net loans and leases to core deposits | 101.6093% | 851 |
| Total domestic deposits to total assets | 81.4525% | 5,378 |
| Equity capital to assets | 10.4116% | 3,651 |
| Core capital (leverage) ratio | 10.2383% | 3,096 |
| Tier 1 risk-based capital ratio | 14.6338% | 4,079 |
| Total risk-based capital ratio | 15.9172% | 4,020 |
| Memoranda: | ||
| Average total assets | $3,210,006,500 | 239 |
| Average earning assets | $2,850,357,500 | 237 |
| Average equity | $330,275,500 | 261 |
| Average total loans | $2,530,209,500 | 203 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5601% | 553 |
| Cost of funding earning assets | 0.9092% | 1,888 |
| Net interest margin | 4.6508% | 713 |
| Noninterest income to average assets | 2.1222% | 399 |
| Noninterest expense to average assets | 4.0526% | 916 |
| Loan and lease loss provision to assets | 0.6284% | 859 |
| Net operating income to assets | 0.9798% | 2,427 |
| Return on assets (ROA) | 1.0472% | 2,333 |
| Pretax return on assets | 1.6890% | 1,162 |
| Return on Equity (ROE) | 11.0800% | 1,781 |
| Retained earnings to average equity (ytd only) | 11.0800% | 431 |
| Net charge-offs to loans | 1.1591% | 886 |
| Credit loss provision to net charge-offs | 68.3005% | 4,216 |
| Earnings coverage of net charge-offs (x) | 2.4043% | 4,209 |
| Efficiency ratio | 63.9522% | 4,893 |
| Assets per employee ($millions) | 3.7276% | 4,510 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7322% | 2,808 |
| Loan loss allowance to noncurrent loans | 96.1751% | 3,427 |
| Noncurrent assets plus other real estate owned to assets | 2.3217% | 2,116 |
| Noncurrent loans to loans | 1.8010% | 2,915 |
| Net loans and leases to total assets | 78.0925% | 663 |
| Net loans and leases to deposits | 95.8867% | 621 |
| Net loans and leases to core deposits | 104.0012% | 788 |
| Total domestic deposits to total assets | 81.4425% | 5,269 |
| Equity capital to assets | 10.1663% | 3,936 |
| Core capital (leverage) ratio | 9.9704% | 3,440 |
| Tier 1 risk-based capital ratio | 14.0952% | 4,312 |
| Total risk-based capital ratio | 15.3721% | 4,253 |
| Memoranda: | ||
| Average total assets | $3,204,350,600 | 238 |
| Average earning assets | $2,854,026,000 | 233 |
| Average equity | $302,861,400 | 269 |
| Average total loans | $2,543,298,400 | 195 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4457% | 756 |
| Cost of funding earning assets | 0.9447% | 1,879 |
| Net interest margin | 4.5010% | 987 |
| Noninterest income to average assets | 2.2000% | 370 |
| Noninterest expense to average assets | 3.9941% | 939 |
| Loan and lease loss provision to assets | 0.6649% | 779 |
| Net operating income to assets | 0.9047% | 2,966 |
| Return on assets (ROA) | 0.9984% | 2,736 |
| Pretax return on assets | 1.7061% | 1,256 |
| Return on Equity (ROE) | 10.7676% | 2,045 |
| Retained earnings to average equity (ytd only) | 10.7676% | 729 |
| Net charge-offs to loans | 1.2143% | 797 |
| Credit loss provision to net charge-offs | 69.0111% | 3,934 |
| Earnings coverage of net charge-offs (x) | 2.3088% | 4,121 |
| Efficiency ratio | 63.5784% | 4,878 |
| Assets per employee ($millions) | 3.6916% | 4,562 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7637% | 2,923 |
| Loan loss allowance to noncurrent loans | 101.4356% | 3,187 |
| Noncurrent assets plus other real estate owned to assets | 2.3975% | 2,223 |
| Noncurrent loans to loans | 1.7387% | 3,177 |
| Net loans and leases to total assets | 79.7457% | 525 |
| Net loans and leases to deposits | 97.9130% | 553 |
| Net loans and leases to core deposits | 106.0096% | 738 |
| Total domestic deposits to total assets | 81.4455% | 5,211 |
| Equity capital to assets | 9.7543% | 4,844 |
| Core capital (leverage) ratio | 9.4653% | 4,323 |
| Tier 1 risk-based capital ratio | 13.5048% | 4,876 |
| Total risk-based capital ratio | 14.7828% | 4,821 |
| Memoranda: | ||
| Average total assets | $3,203,073,750 | 239 |
| Average earning assets | $2,859,789,750 | 232 |
| Average equity | $297,006,250 | 274 |
| Average total loans | $2,541,491,750 | 200 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3529% | 953 |
| Cost of funding earning assets | 0.9952% | 1,791 |
| Net interest margin | 4.3577% | 1,315 |
| Noninterest income to average assets | 2.4745% | 303 |
| Noninterest expense to average assets | 4.0609% | 878 |
| Loan and lease loss provision to assets | 0.7170% | 744 |
| Net operating income to assets | 0.8699% | 3,044 |
| Return on assets (ROA) | 1.0034% | 2,664 |
| Pretax return on assets | 1.8059% | 1,031 |
| Return on Equity (ROE) | 11.0153% | 1,989 |
| Retained earnings to average equity (ytd only) | 11.0153% | 742 |
| Net charge-offs to loans | 1.2869% | 833 |
| Credit loss provision to net charge-offs | 70.7738% | 3,541 |
| Earnings coverage of net charge-offs (x) | 2.2843% | 3,855 |
| Efficiency ratio | 63.2486% | 5,042 |
| Assets per employee ($millions) | 3.8148% | 4,275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8055% | 2,835 |
| Loan loss allowance to noncurrent loans | 63.4140% | 4,490 |
| Noncurrent assets plus other real estate owned to assets | 3.5822% | 1,475 |
| Noncurrent loans to loans | 2.8472% | 2,103 |
| Net loans and leases to total assets | 80.5210% | 446 |
| Net loans and leases to deposits | 97.3520% | 557 |
| Net loans and leases to core deposits | 104.2193% | 842 |
| Total domestic deposits to total assets | 82.7112% | 4,874 |
| Equity capital to assets | 9.3303% | 5,278 |
| Core capital (leverage) ratio | 9.0615% | 4,821 |
| Tier 1 risk-based capital ratio | 12.8585% | 5,289 |
| Total risk-based capital ratio | 14.1326% | 5,243 |
| Memoranda: | ||
| Average total assets | $3,191,594,000 | 239 |
| Average earning assets | $2,856,867,000 | 233 |
| Average equity | $290,742,330 | 278 |
| Average total loans | $2,512,612,670 | 199 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2053% | 1,309 |
| Cost of funding earning assets | 1.0422% | 1,731 |
| Net interest margin | 4.1631% | 1,879 |
| Noninterest income to average assets | 1.4835% | 656 |
| Noninterest expense to average assets | 3.3790% | 2,060 |
| Loan and lease loss provision to assets | 0.8593% | 531 |
| Net operating income to assets | 0.3695% | 5,387 |
| Return on assets (ROA) | 0.3639% | 5,591 |
| Pretax return on assets | 0.9776% | 3,759 |
| Return on Equity (ROE) | 4.0460% | 5,274 |
| Retained earnings to average equity (ytd only) | 4.0460% | 4,162 |
| Net charge-offs to loans | 1.5705% | 635 |
| Credit loss provision to net charge-offs | 71.0493% | 2,891 |
| Earnings coverage of net charge-offs (x) | 1.5261% | 3,566 |
| Efficiency ratio | 64.4515% | 4,839 |
| Assets per employee ($millions) | 3.7903% | 4,446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1106% | 2,078 |
| Loan loss allowance to noncurrent loans | 103.9618% | 2,971 |
| Noncurrent assets plus other real estate owned to assets | 2.4391% | 2,422 |
| Noncurrent loans to loans | 2.0302% | 3,112 |
| Net loans and leases to total assets | 75.0387% | 915 |
| Net loans and leases to deposits | 102.3357% | 295 |
| Net loans and leases to core deposits | 111.2402% | 491 |
| Total domestic deposits to total assets | 73.3260% | 6,803 |
| Equity capital to assets | 9.0537% | 5,416 |
| Core capital (leverage) ratio | 8.9970% | 4,848 |
| Tier 1 risk-based capital ratio | 13.0476% | 5,180 |
| Total risk-based capital ratio | 14.3213% | 5,122 |
| Memoranda: | ||
| Average total assets | $3,139,391,500 | 240 |
| Average earning assets | $2,821,254,000 | 233 |
| Average equity | $282,351,000 | 283 |
| Average total loans | $2,417,533,500 | 203 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4166% | 1,373 |
| Cost of funding earning assets | 1.2628% | 1,666 |
| Net interest margin | 4.1538% | 2,217 |
| Noninterest income to average assets | 1.8948% | 408 |
| Noninterest expense to average assets | 3.2991% | 2,524 |
| Loan and lease loss provision to assets | 3.3308% | 95 |
| Net operating income to assets | -0.6171% | 6,560 |
| Return on assets (ROA) | -0.5993% | 6,595 |
| Pretax return on assets | -0.9949% | 6,732 |
| Return on Equity (ROE) | -7.0622% | 6,637 |
| Retained earnings to average equity (ytd only) | -7.0622% | 6,576 |
| Net charge-offs to loans | 5.2116% | 70 |
| Credit loss provision to net charge-offs | 82.1126% | 4,362 |
| Earnings coverage of net charge-offs (x) | 0.5690% | 5,405 |
| Efficiency ratio | 58.0693% | 6,049 |
| Assets per employee ($millions) | 3.9702% | 3,917 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1456% | 1,902 |
| Loan loss allowance to noncurrent loans | 105.8012% | 2,905 |
| Noncurrent assets plus other real estate owned to assets | 2.1692% | 2,771 |
| Noncurrent loans to loans | 2.0280% | 3,169 |
| Net loans and leases to total assets | 75.6962% | 993 |
| Net loans and leases to deposits | 104.3155% | 302 |
| Net loans and leases to core deposits | 119.3215% | 369 |
| Total domestic deposits to total assets | 72.5647% | 6,842 |
| Equity capital to assets | 8.9340% | 5,629 |
| Core capital (leverage) ratio | 8.9188% | 4,902 |
| Tier 1 risk-based capital ratio | 12.3486% | 5,583 |
| Total risk-based capital ratio | 13.6117% | 5,541 |
| Memoranda: | ||
| Average total assets | $3,208,304,600 | 232 |
| Average earning assets | $2,867,311,200 | 227 |
| Average equity | $272,251,200 | 285 |
| Average total loans | $2,497,149,800 | 199 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4457% | 1,399 |
| Cost of funding earning assets | 1.3075% | 1,659 |
| Net interest margin | 4.1381% | 2,317 |
| Noninterest income to average assets | 1.2481% | 832 |
| Noninterest expense to average assets | 3.2992% | 2,492 |
| Loan and lease loss provision to assets | 4.1098% | 56 |
| Net operating income to assets | -1.5035% | 7,042 |
| Return on assets (ROA) | -1.4751% | 7,048 |
| Pretax return on assets | -2.4214% | 7,194 |
| Return on Equity (ROE) | -17.6095% | 7,062 |
| Retained earnings to average equity (ytd only) | -17.6095% | 7,045 |
| Net charge-offs to loans | 6.4711% | 48 |
| Credit loss provision to net charge-offs | 81.4755% | 4,100 |
| Earnings coverage of net charge-offs (x) | 0.3259% | 5,365 |
| Efficiency ratio | 65.7415% | 4,760 |
| Assets per employee ($millions) | 4.0269% | 3,787 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1577% | 1,944 |
| Loan loss allowance to noncurrent loans | 60.6801% | 4,428 |
| Noncurrent assets plus other real estate owned to assets | 3.4950% | 1,804 |
| Noncurrent loans to loans | 3.5559% | 1,932 |
| Net loans and leases to total assets | 74.8812% | 1,163 |
| Net loans and leases to deposits | 101.9361% | 394 |
| Net loans and leases to core deposits | 118.2617% | 434 |
| Total domestic deposits to total assets | 73.4589% | 6,819 |
| Equity capital to assets | 8.4266% | 6,372 |
| Core capital (leverage) ratio | 8.2564% | 6,046 |
| Tier 1 risk-based capital ratio | 11.2647% | 6,393 |
| Total risk-based capital ratio | 12.5273% | 6,369 |
| Memoranda: | ||
| Average total assets | $3,225,279,000 | 231 |
| Average earning assets | $2,880,024,250 | 225 |
| Average equity | $270,173,000 | 290 |
| Average total loans | $2,514,113,750 | 199 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4764% | 1,349 |
| Cost of funding earning assets | 1.3490% | 1,656 |
| Net interest margin | 4.1274% | 2,309 |
| Noninterest income to average assets | 1.2227% | 845 |
| Noninterest expense to average assets | 3.3721% | 2,338 |
| Loan and lease loss provision to assets | 5.5944% | 35 |
| Net operating income to assets | -2.4725% | 7,261 |
| Return on assets (ROA) | -2.4234% | 7,259 |
| Pretax return on assets | -3.9831% | 7,388 |
| Return on Equity (ROE) | -28.9866% | 7,233 |
| Retained earnings to average equity (ytd only) | -28.9866% | 7,225 |
| Net charge-offs to loans | 8.8954% | 25 |
| Credit loss provision to net charge-offs | 80.2003% | 3,767 |
| Earnings coverage of net charge-offs (x) | 0.2200% | 5,143 |
| Efficiency ratio | 67.4488% | 4,616 |
| Assets per employee ($millions) | 4.0619% | 3,622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1658% | 1,986 |
| Loan loss allowance to noncurrent loans | 58.6481% | 4,520 |
| Noncurrent assets plus other real estate owned to assets | 3.6432% | 1,801 |
| Noncurrent loans to loans | 3.6928% | 1,903 |
| Net loans and leases to total assets | 74.7030% | 1,284 |
| Net loans and leases to deposits | 100.4624% | 472 |
| Net loans and leases to core deposits | 118.3402% | 463 |
| Total domestic deposits to total assets | 74.3591% | 6,799 |
| Equity capital to assets | 7.5868% | 6,908 |
| Core capital (leverage) ratio | 7.4783% | 6,755 |
| Tier 1 risk-based capital ratio | 10.0689% | 6,955 |
| Total risk-based capital ratio | 11.3311% | 6,941 |
| Memoranda: | ||
| Average total assets | $3,234,593,000 | 232 |
| Average earning assets | $2,887,016,670 | 227 |
| Average equity | $270,421,330 | 289 |
| Average total loans | $2,536,484,330 | 201 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4662% | 1,386 |
| Cost of funding earning assets | 1.3952% | 1,632 |
| Net interest margin | 4.0710% | 2,385 |
| Noninterest income to average assets | 1.1994% | 889 |
| Noninterest expense to average assets | 3.4964% | 2,011 |
| Loan and lease loss provision to assets | 1.5612% | 399 |
| Net operating income to assets | -0.1226% | 6,479 |
| Return on assets (ROA) | -0.0203% | 6,402 |
| Pretax return on assets | -0.0507% | 6,405 |
| Return on Equity (ROE) | -0.2325% | 6,405 |
| Retained earnings to average equity (ytd only) | -0.2325% | 5,831 |
| Net charge-offs to loans | 2.4019% | 492 |
| Credit loss provision to net charge-offs | 81.8270% | 3,124 |
| Earnings coverage of net charge-offs (x) | 0.7079% | 4,103 |
| Efficiency ratio | 71.6202% | 3,939 |
| Assets per employee ($millions) | 4.0115% | 3,816 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8317% | 1,080 |
| Loan loss allowance to noncurrent loans | 43.9307% | 5,372 |
| Noncurrent assets plus other real estate owned to assets | 5.8411% | 1,009 |
| Noncurrent loans to loans | 6.4458% | 936 |
| Net loans and leases to total assets | 76.7521% | 916 |
| Net loans and leases to deposits | 104.7328% | 291 |
| Net loans and leases to core deposits | 123.6013% | 353 |
| Total domestic deposits to total assets | 73.2837% | 6,975 |
| Equity capital to assets | 8.7171% | 5,635 |
| Core capital (leverage) ratio | 8.5775% | 5,298 |
| Tier 1 risk-based capital ratio | 11.5057% | 6,101 |
| Total risk-based capital ratio | 12.7776% | 6,061 |
| Memoranda: | ||
| Average total assets | $3,247,424,000 | 233 |
| Average earning assets | $2,909,876,000 | 228 |
| Average equity | $283,904,000 | 270 |
| Average total loans | $2,579,610,000 | 199 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8155% | 1,239 |
| Cost of funding earning assets | 1.6202% | 1,951 |
| Net interest margin | 4.1953% | 2,204 |
| Noninterest income to average assets | 1.2107% | 1,022 |
| Noninterest expense to average assets | 3.0392% | 3,698 |
| Loan and lease loss provision to assets | 3.3291% | 253 |
| Net operating income to assets | -0.8328% | 6,594 |
| Return on assets (ROA) | -0.8842% | 6,648 |
| Pretax return on assets | -1.4626% | 6,844 |
| Return on Equity (ROE) | -10.4976% | 6,746 |
| Retained earnings to average equity (ytd only) | -10.4976% | 6,686 |
| Net charge-offs to loans | 3.5639% | 395 |
| Credit loss provision to net charge-offs | 119.0227% | 3,567 |
| Earnings coverage of net charge-offs (x) | 0.6960% | 5,414 |
| Efficiency ratio | 60.3131% | 5,997 |
| Assets per employee ($millions) | 3.9677% | 3,855 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9048% | 949 |
| Loan loss allowance to noncurrent loans | 44.2194% | 5,369 |
| Noncurrent assets plus other real estate owned to assets | 5.8049% | 1,043 |
| Noncurrent loans to loans | 6.5690% | 905 |
| Net loans and leases to total assets | 77.5614% | 1,008 |
| Net loans and leases to deposits | 103.1695% | 438 |
| Net loans and leases to core deposits | 122.7257% | 457 |
| Total domestic deposits to total assets | 75.1786% | 6,745 |
| Equity capital to assets | 8.7677% | 5,484 |
| Core capital (leverage) ratio | 8.5757% | 5,229 |
| Tier 1 risk-based capital ratio | 11.4195% | 5,975 |
| Total risk-based capital ratio | 12.6925% | 5,952 |
| Memoranda: | ||
| Average total assets | $3,316,475,800 | 228 |
| Average earning assets | $2,984,546,200 | 228 |
| Average equity | $279,348,600 | 268 |
| Average total loans | $2,602,857,000 | 200 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8551% | 1,242 |
| Cost of funding earning assets | 1.6560% | 2,069 |
| Net interest margin | 4.1991% | 2,217 |
| Noninterest income to average assets | 1.2131% | 948 |
| Noninterest expense to average assets | 3.0012% | 3,740 |
| Loan and lease loss provision to assets | 3.9971% | 163 |
| Net operating income to assets | -1.2147% | 6,991 |
| Return on assets (ROA) | -1.2693% | 7,043 |
| Pretax return on assets | -2.0899% | 7,223 |
| Return on Equity (ROE) | -15.2206% | 7,115 |
| Retained earnings to average equity (ytd only) | -15.2206% | 7,088 |
| Net charge-offs to loans | 4.2942% | 258 |
| Credit loss provision to net charge-offs | 119.1183% | 3,472 |
| Earnings coverage of net charge-offs (x) | 0.5938% | 5,430 |
| Efficiency ratio | 59.4120% | 6,040 |
| Assets per employee ($millions) | 3.9799% | 3,881 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8633% | 944 |
| Loan loss allowance to noncurrent loans | 39.1792% | 5,699 |
| Noncurrent assets plus other real estate owned to assets | 6.0978% | 968 |
| Noncurrent loans to loans | 7.3081% | 742 |
| Net loans and leases to total assets | 76.6174% | 1,297 |
| Net loans and leases to deposits | 102.1592% | 526 |
| Net loans and leases to core deposits | 120.5367% | 593 |
| Total domestic deposits to total assets | 74.9980% | 6,798 |
| Equity capital to assets | 8.7248% | 5,976 |
| Core capital (leverage) ratio | 8.4657% | 5,568 |
| Tier 1 risk-based capital ratio | 11.2737% | 6,126 |
| Total risk-based capital ratio | 12.5457% | 6,098 |
| Memoranda: | ||
| Average total assets | $3,333,207,750 | 226 |
| Average earning assets | $3,001,010,000 | 225 |
| Average equity | $277,957,750 | 266 |
| Average total loans | $2,604,622,000 | 198 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8854% | 1,221 |
| Cost of funding earning assets | 1.7027% | 2,109 |
| Net interest margin | 4.1827% | 2,210 |
| Noninterest income to average assets | 1.2178% | 872 |
| Noninterest expense to average assets | 2.8920% | 4,111 |
| Loan and lease loss provision to assets | 4.9064% | 110 |
| Net operating income to assets | -1.7086% | 7,221 |
| Return on assets (ROA) | -1.7898% | 7,257 |
| Pretax return on assets | -2.9400% | 7,455 |
| Return on Equity (ROE) | -21.7902% | 7,313 |
| Retained earnings to average equity (ytd only) | -21.7902% | 7,298 |
| Net charge-offs to loans | 5.5404% | 162 |
| Credit loss provision to net charge-offs | 113.6743% | 3,581 |
| Earnings coverage of net charge-offs (x) | 0.4850% | 5,237 |
| Efficiency ratio | 57.2366% | 6,484 |
| Assets per employee ($millions) | 4.1145% | 3,552 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6171% | 1,171 |
| Loan loss allowance to noncurrent loans | 41.0516% | 5,597 |
| Noncurrent assets plus other real estate owned to assets | 5.3485% | 1,172 |
| Noncurrent loans to loans | 6.3751% | 957 |
| Net loans and leases to total assets | 76.3553% | 1,428 |
| Net loans and leases to deposits | 100.5519% | 675 |
| Net loans and leases to core deposits | 122.1759% | 623 |
| Total domestic deposits to total assets | 75.9362% | 6,709 |
| Equity capital to assets | 8.7700% | 5,789 |
| Core capital (leverage) ratio | 8.4593% | 5,481 |
| Tier 1 risk-based capital ratio | 11.1874% | 6,050 |
| Total risk-based capital ratio | 12.4558% | 6,017 |
| Memoranda: | ||
| Average total assets | $3,355,105,670 | 226 |
| Average earning assets | $3,022,019,000 | 225 |
| Average equity | $275,582,330 | 268 |
| Average total loans | $2,613,736,670 | 199 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8992% | 1,203 |
| Cost of funding earning assets | 1.7465% | 2,145 |
| Net interest margin | 4.1528% | 2,215 |
| Noninterest income to average assets | 1.0293% | 1,211 |
| Noninterest expense to average assets | 2.8642% | 4,207 |
| Loan and lease loss provision to assets | 5.4289% | 132 |
| Net operating income to assets | -2.1280% | 7,490 |
| Return on assets (ROA) | -2.2655% | 7,523 |
| Pretax return on assets | -3.7303% | 7,668 |
| Return on Equity (ROE) | -28.5224% | 7,549 |
| Retained earnings to average equity (ytd only) | -28.5224% | 7,518 |
| Net charge-offs to loans | 5.3880% | 213 |
| Credit loss provision to net charge-offs | 129.7455% | 2,727 |
| Earnings coverage of net charge-offs (x) | 0.4573% | 4,615 |
| Efficiency ratio | 59.1298% | 6,320 |
| Assets per employee ($millions) | 4.1950% | 3,470 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6172% | 1,158 |
| Loan loss allowance to noncurrent loans | 50.2773% | 4,975 |
| Noncurrent assets plus other real estate owned to assets | 4.3860% | 1,550 |
| Noncurrent loans to loans | 5.2055% | 1,376 |
| Net loans and leases to total assets | 75.8690% | 1,574 |
| Net loans and leases to deposits | 100.6144% | 718 |
| Net loans and leases to core deposits | 123.1636% | 668 |
| Total domestic deposits to total assets | 75.4057% | 6,846 |
| Equity capital to assets | 7.9941% | 6,658 |
| Core capital (leverage) ratio | 7.7371% | 6,585 |
| Tier 1 risk-based capital ratio | 9.8322% | 7,128 |
| Total risk-based capital ratio | 11.0991% | 7,122 |
| Memoranda: | ||
| Average total assets | $3,384,793,000 | 233 |
| Average earning assets | $3,055,103,500 | 228 |
| Average equity | $268,855,000 | 277 |
| Average total loans | $2,628,558,500 | 206 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2922% | 1,045 |
| Cost of funding earning assets | 1.9583% | 3,168 |
| Net interest margin | 4.3339% | 1,620 |
| Noninterest income to average assets | 1.0701% | 1,342 |
| Noninterest expense to average assets | 2.7117% | 5,333 |
| Loan and lease loss provision to assets | 2.1516% | 974 |
| Net operating income to assets | 0.1326% | 5,103 |
| Return on assets (ROA) | 0.9903% | 1,917 |
| Pretax return on assets | 1.0201% | 2,522 |
| Return on Equity (ROE) | 13.6410% | 844 |
| Retained earnings to average equity (ytd only) | 13.6410% | 132 |
| Net charge-offs to loans | 2.1297% | 1,138 |
| Credit loss provision to net charge-offs | 131.1633% | 3,865 |
| Earnings coverage of net charge-offs (x) | 1.4118% | 4,714 |
| Efficiency ratio | 53.3085% | 7,292 |
| Assets per employee ($millions) | 4.3098% | 3,258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1792% | 1,687 |
| Loan loss allowance to noncurrent loans | 53.0267% | 4,813 |
| Noncurrent assets plus other real estate owned to assets | 3.7526% | 1,774 |
| Noncurrent loans to loans | 4.1096% | 1,789 |
| Net loans and leases to total assets | 75.7262% | 1,872 |
| Net loans and leases to deposits | 108.2790% | 447 |
| Net loans and leases to core deposits | 144.1219% | 668 |
| Total domestic deposits to total assets | 69.9362% | 7,432 |
| Equity capital to assets | 7.8931% | 6,683 |
| Core capital (leverage) ratio | 7.6690% | 6,588 |
| Tier 1 risk-based capital ratio | 9.7838% | 7,033 |
| Total risk-based capital ratio | 11.0452% | 7,009 |
| Memoranda: | ||
| Average total assets | $3,332,690,200 | 232 |
| Average earning assets | $3,043,197,400 | 227 |
| Average equity | $241,955,200 | 293 |
| Average total loans | $2,566,999,400 | 207 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3327% | 1,066 |
| Cost of funding earning assets | 1.9940% | 3,385 |
| Net interest margin | 4.3388% | 1,622 |
| Noninterest income to average assets | 1.0006% | 1,605 |
| Noninterest expense to average assets | 2.6414% | 5,557 |
| Loan and lease loss provision to assets | 1.8672% | 988 |
| Net operating income to assets | 0.3084% | 4,762 |
| Return on assets (ROA) | 1.4750% | 928 |
| Pretax return on assets | 1.6316% | 1,108 |
| Return on Equity (ROE) | 20.7845% | 273 |
| Retained earnings to average equity (ytd only) | 20.7845% | 53 |
| Net charge-offs to loans | 1.9497% | 1,019 |
| Credit loss provision to net charge-offs | 124.4965% | 4,047 |
| Earnings coverage of net charge-offs (x) | 1.5536% | 4,622 |
| Efficiency ratio | 52.4912% | 7,377 |
| Assets per employee ($millions) | 4.4451% | 2,947 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8683% | 2,105 |
| Loan loss allowance to noncurrent loans | 61.8368% | 4,257 |
| Noncurrent assets plus other real estate owned to assets | 2.9145% | 2,377 |
| Noncurrent loans to loans | 3.0213% | 2,504 |
| Net loans and leases to total assets | 75.1734% | 2,202 |
| Net loans and leases to deposits | 107.7456% | 570 |
| Net loans and leases to core deposits | 142.8422% | 804 |
| Total domestic deposits to total assets | 69.7694% | 7,433 |
| Equity capital to assets | 7.8729% | 6,966 |
| Core capital (leverage) ratio | 7.6668% | 6,775 |
| Tier 1 risk-based capital ratio | 9.7674% | 7,166 |
| Total risk-based capital ratio | 11.0247% | 7,125 |
| Memoranda: | ||
| Average total assets | $3,310,366,250 | 242 |
| Average earning assets | $3,029,684,750 | 237 |
| Average equity | $234,919,000 | 312 |
| Average total loans | $2,546,482,250 | 221 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3424% | 1,109 |
| Cost of funding earning assets | 2.0420% | 3,562 |
| Net interest margin | 4.3004% | 1,655 |
| Noninterest income to average assets | 0.8526% | 2,174 |
| Noninterest expense to average assets | 2.5092% | 6,089 |
| Loan and lease loss provision to assets | 1.5421% | 1,105 |
| Net operating income to assets | 0.4807% | 4,172 |
| Return on assets (ROA) | 2.2850% | 182 |
| Pretax return on assets | 2.5742% | 179 |
| Return on Equity (ROE) | 33.5064% | 47 |
| Retained earnings to average equity (ytd only) | 33.5064% | 28 |
| Net charge-offs to loans | 1.4337% | 1,317 |
| Credit loss provision to net charge-offs | 139.6260% | 3,344 |
| Earnings coverage of net charge-offs (x) | 2.0778% | 4,039 |
| Efficiency ratio | 51.5501% | 7,553 |
| Assets per employee ($millions) | 4.7596% | 2,384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7589% | 2,151 |
| Loan loss allowance to noncurrent loans | 71.9482% | 3,845 |
| Noncurrent assets plus other real estate owned to assets | 2.1959% | 2,942 |
| Noncurrent loans to loans | 2.4446% | 2,956 |
| Net loans and leases to total assets | 74.7106% | 2,517 |
| Net loans and leases to deposits | 110.5629% | 530 |
| Net loans and leases to core deposits | 146.0574% | 756 |
| Total domestic deposits to total assets | 67.5729% | 7,649 |
| Equity capital to assets | 7.3910% | 7,355 |
| Core capital (leverage) ratio | 7.2889% | 7,257 |
| Tier 1 risk-based capital ratio | 9.5434% | 7,352 |
| Total risk-based capital ratio | 10.7998% | 7,309 |
| Memoranda: | ||
| Average total assets | $3,253,649,000 | 252 |
| Average earning assets | $2,989,710,670 | 247 |
| Average equity | $221,886,000 | 337 |
| Average total loans | $2,506,564,000 | 234 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2038% | 1,591 |
| Cost of funding earning assets | 2.2093% | 3,121 |
| Net interest margin | 3.9945% | 2,662 |
| Noninterest income to average assets | 0.7924% | 2,368 |
| Noninterest expense to average assets | 2.3684% | 6,304 |
| Loan and lease loss provision to assets | 1.6486% | 757 |
| Net operating income to assets | 0.2931% | 5,323 |
| Return on assets (ROA) | 0.3885% | 5,076 |
| Pretax return on assets | 0.6122% | 4,719 |
| Return on Equity (ROE) | 5.9860% | 4,045 |
| Retained earnings to average equity (ytd only) | 5.9860% | 2,632 |
| Net charge-offs to loans | 1.3165% | 1,066 |
| Credit loss provision to net charge-offs | 161.3593% | 2,631 |
| Earnings coverage of net charge-offs (x) | 2.0670% | 3,687 |
| Efficiency ratio | 52.1243% | 7,405 |
| Assets per employee ($millions) | 4.7424% | 2,373 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7102% | 2,109 |
| Loan loss allowance to noncurrent loans | 77.9988% | 3,767 |
| Noncurrent assets plus other real estate owned to assets | 1.8304% | 3,168 |
| Noncurrent loans to loans | 2.1926% | 2,989 |
| Net loans and leases to total assets | 74.8999% | 2,531 |
| Net loans and leases to deposits | 114.5937% | 424 |
| Net loans and leases to core deposits | 146.3430% | 844 |
| Total domestic deposits to total assets | 65.3613% | 7,769 |
| Equity capital to assets | 7.0460% | 7,660 |
| Core capital (leverage) ratio | 7.1088% | 7,550 |
| Tier 1 risk-based capital ratio | 9.6917% | 7,263 |
| Total risk-based capital ratio | 10.9483% | 7,168 |
| Memoranda: | ||
| Average total assets | $3,093,250,500 | 259 |
| Average earning assets | $2,855,726,500 | 252 |
| Average equity | $200,735,500 | 364 |
| Average total loans | $2,400,696,000 | 242 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6142% | 2,419 |
| Cost of funding earning assets | 2.8188% | 2,632 |
| Net interest margin | 3.7954% | 4,046 |
| Noninterest income to average assets | 1.1025% | 1,292 |
| Noninterest expense to average assets | 2.6764% | 5,353 |
| Loan and lease loss provision to assets | 1.2692% | 1,127 |
| Net operating income to assets | 0.4143% | 5,099 |
| Return on assets (ROA) | 0.4815% | 4,641 |
| Pretax return on assets | 0.7631% | 4,202 |
| Return on Equity (ROE) | 7.1251% | 3,461 |
| Retained earnings to average equity (ytd only) | 4.5642% | 2,282 |
| Net charge-offs to loans | 0.6001% | 2,033 |
| Credit loss provision to net charge-offs | 266.2286% | 1,741 |
| Earnings coverage of net charge-offs (x) | 4.0426% | 4,131 |
| Efficiency ratio | 57.3776% | 6,804 |
| Assets per employee ($millions) | 4.4778% | 2,649 |
| Cash dividends to net income (ytd only)* | 35.9428% | 3,841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5361% | 2,518 |
| Loan loss allowance to noncurrent loans | 104.4005% | 3,326 |
| Noncurrent assets plus other real estate owned to assets | 1.3414% | 3,533 |
| Noncurrent loans to loans | 1.4713% | 3,594 |
| Net loans and leases to total assets | 77.8822% | 2,171 |
| Net loans and leases to deposits | 116.3598% | 509 |
| Net loans and leases to core deposits | 144.1646% | 1,085 |
| Total domestic deposits to total assets | 66.9322% | 7,584 |
| Equity capital to assets | 5.9018% | 8,078 |
| Core capital (leverage) ratio | 6.8856% | 7,772 |
| Tier 1 risk-based capital ratio | 9.3002% | 7,524 |
| Total risk-based capital ratio | 10.5502% | 7,445 |
| Memoranda: | ||
| Average total assets | $2,888,889,000 | 263 |
| Average earning assets | $2,664,866,200 | 258 |
| Average equity | $195,238,200 | 380 |
| Average total loans | $2,294,895,400 | 244 |