Home > Atlantic National Bank > Performance and Condition Ratios
Atlantic National Bank, Performance and Condition Ratios
2017-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3266% | 5,069 |
Cost of funding earning assets | 0.3193% | 3,884 |
Net interest margin | 3.0073% | 4,900 |
Noninterest income to average assets | 0.4611% | 3,279 |
Noninterest expense to average assets | 2.2512% | 4,460 |
Loan and lease loss provision to assets | -0.3833% | 5,750 |
Net operating income to assets | 1.4694% | 920 |
Return on assets (ROA) | 1.4694% | 939 |
Pretax return on assets | 1.4694% | 1,761 |
Return on Equity (ROE) | 13.5373% | 914 |
Retained earnings to average equity (ytd only) | 10.0063% | 584 |
Net charge-offs to loans | -0.0744% | 5,320 |
Credit loss provision to net charge-offs | 878.3784% | 427 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 67.4558% | 3,101 |
Assets per employee ($millions) | 5.0221% | 2,362 |
Cash dividends to net income (ytd only)* | 26.0835% | 2,898 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3744% | 2,068 |
Loan loss allowance to noncurrent loans | 370.3081% | 1,327 |
Noncurrent assets plus other real estate owned to assets | 0.4375% | 3,363 |
Noncurrent loans to loans | 0.3712% | 3,696 |
Net loans and leases to total assets | 55.5561% | 4,262 |
Net loans and leases to deposits | 63.5178% | 4,401 |
Net loans and leases to core deposits | 64.2079% | 4,586 |
Total domestic deposits to total assets | 87.4653% | 1,740 |
Equity capital to assets | 11.0952% | 2,709 |
Core capital (leverage) ratio | 11.1818% | 2,239 |
Tier 1 risk-based capital ratio | 22.5836% | 985 |
Total risk-based capital ratio | 23.8379% | 969 |
Memoranda: | ||
Average total assets | $169,597,330 | 3,284 |
Average earning assets | $162,207,330 | 3,212 |
Average equity | $18,408,330 | 3,345 |
Average total loans | $99,403,670 | 3,408 |
2017-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.1296% | 5,332 |
Cost of funding earning assets | 0.3169% | 3,884 |
Net interest margin | 2.8127% | 5,220 |
Noninterest income to average assets | 0.3858% | 3,768 |
Noninterest expense to average assets | 2.3287% | 4,327 |
Loan and lease loss provision to assets | -0.2367% | 5,800 |
Net operating income to assets | 0.9821% | 2,380 |
Return on assets (ROA) | 0.9821% | 2,429 |
Pretax return on assets | 0.9821% | 3,443 |
Return on Equity (ROE) | 9.1510% | 2,339 |
Retained earnings to average equity (ytd only) | 5.5788% | 2,552 |
Net charge-offs to loans | -0.0396% | 5,073 |
Credit loss provision to net charge-offs | 1,000.0000% | 309 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 75.7506% | 1,948 |
Assets per employee ($millions) | 7.5172% | 751 |
Cash dividends to net income (ytd only)* | 39.0361% | 2,036 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5273% | 1,595 |
Loan loss allowance to noncurrent loans | 236.7601% | 1,975 |
Noncurrent assets plus other real estate owned to assets | 0.5969% | 2,856 |
Noncurrent loans to loans | 0.6451% | 2,893 |
Net loans and leases to total assets | 56.6847% | 4,103 |
Net loans and leases to deposits | 64.6241% | 4,275 |
Net loans and leases to core deposits | 65.2054% | 4,481 |
Total domestic deposits to total assets | 87.7145% | 1,880 |
Equity capital to assets | 10.5654% | 3,113 |
Core capital (leverage) ratio | 10.9675% | 2,391 |
Tier 1 risk-based capital ratio | 21.2894% | 1,175 |
Total risk-based capital ratio | 22.5452% | 1,161 |
Memoranda: | ||
Average total assets | $169,021,000 | 3,323 |
Average earning assets | $161,552,000 | 3,249 |
Average equity | $18,140,000 | 3,396 |
Average total loans | $101,013,500 | 3,402 |
2016-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.2523% | 5,235 |
Cost of funding earning assets | 0.3385% | 3,645 |
Net interest margin | 2.9137% | 5,113 |
Noninterest income to average assets | 0.3696% | 4,103 |
Noninterest expense to average assets | 2.0943% | 5,012 |
Loan and lease loss provision to assets | -0.0904% | 5,675 |
Net operating income to assets | 1.1623% | 1,639 |
Return on assets (ROA) | 1.1623% | 1,734 |
Pretax return on assets | 1.1623% | 2,844 |
Return on Equity (ROE) | 11.0712% | 1,555 |
Retained earnings to average equity (ytd only) | 5.4782% | 2,028 |
Net charge-offs to loans | 0.0876% | 2,446 |
Credit loss provision to net charge-offs | -170.4545% | 4,977 |
Earnings coverage of net charge-offs (x) | 20.2045% | 1,866 |
Efficiency ratio | 66.1462% | 3,572 |
Assets per employee ($millions) | 5.0045% | 2,386 |
Cash dividends to net income (ytd only)* | 50.5187% | 2,272 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5707% | 1,442 |
Loan loss allowance to noncurrent loans | 209.3628% | 2,178 |
Noncurrent assets plus other real estate owned to assets | 0.7018% | 2,619 |
Noncurrent loans to loans | 0.7502% | 2,655 |
Net loans and leases to total assets | 61.0922% | 3,715 |
Net loans and leases to deposits | 69.9066% | 3,912 |
Net loans and leases to core deposits | 70.6784% | 4,186 |
Total domestic deposits to total assets | 87.3912% | 1,937 |
Equity capital to assets | 10.9073% | 2,706 |
Core capital (leverage) ratio | 11.0031% | 2,329 |
Tier 1 risk-based capital ratio | 20.8228% | 1,243 |
Total risk-based capital ratio | 22.0799% | 1,213 |
Memoranda: | ||
Average total assets | $165,876,400 | 3,335 |
Average earning assets | $159,211,000 | 3,248 |
Average equity | $17,414,600 | 3,495 |
Average total loans | $100,436,200 | 3,375 |
2016-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.2237% | 5,329 |
Cost of funding earning assets | 0.3413% | 3,641 |
Net interest margin | 2.8824% | 5,220 |
Noninterest income to average assets | 0.3798% | 4,068 |
Noninterest expense to average assets | 2.1301% | 4,938 |
Loan and lease loss provision to assets | 0.0000% | 4,186 |
Net operating income to assets | 1.0165% | 2,355 |
Return on assets (ROA) | 1.0165% | 2,489 |
Pretax return on assets | 1.0165% | 3,572 |
Return on Equity (ROE) | 9.7768% | 2,158 |
Retained earnings to average equity (ytd only) | 3.5061% | 3,793 |
Net charge-offs to loans | 0.1414% | 1,579 |
Credit loss provision to net charge-offs | 0.0000% | 3,412 |
Earnings coverage of net charge-offs (x) | 11.9434% | 2,432 |
Efficiency ratio | 67.6958% | 3,283 |
Assets per employee ($millions) | 4.8837% | 2,517 |
Cash dividends to net income (ytd only)* | 64.1390% | 1,260 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7050% | 1,213 |
Loan loss allowance to noncurrent loans | 216.3975% | 2,106 |
Noncurrent assets plus other real estate owned to assets | 0.7197% | 2,763 |
Noncurrent loans to loans | 0.7879% | 2,707 |
Net loans and leases to total assets | 60.4817% | 3,819 |
Net loans and leases to deposits | 68.9914% | 4,061 |
Net loans and leases to core deposits | 69.9954% | 4,324 |
Total domestic deposits to total assets | 87.6655% | 1,580 |
Equity capital to assets | 10.5675% | 3,492 |
Core capital (leverage) ratio | 10.5974% | 2,880 |
Tier 1 risk-based capital ratio | 20.5820% | 1,343 |
Total risk-based capital ratio | 21.8422% | 1,309 |
Memoranda: | ||
Average total assets | $166,058,750 | 3,346 |
Average earning assets | $159,397,750 | 3,264 |
Average equity | $17,265,000 | 3,546 |
Average total loans | $99,919,750 | 3,398 |
2016-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.1876% | 5,448 |
Cost of funding earning assets | 0.3415% | 3,664 |
Net interest margin | 2.8461% | 5,354 |
Noninterest income to average assets | 0.3553% | 4,233 |
Noninterest expense to average assets | 2.1173% | 5,022 |
Loan and lease loss provision to assets | 0.0000% | 4,017 |
Net operating income to assets | 0.9683% | 2,533 |
Return on assets (ROA) | 0.9683% | 2,677 |
Pretax return on assets | 0.9683% | 3,711 |
Return on Equity (ROE) | 9.3646% | 2,329 |
Retained earnings to average equity (ytd only) | 1.8054% | 4,648 |
Net charge-offs to loans | -0.0625% | 5,453 |
Credit loss provision to net charge-offs | 0.0000% | 3,050 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 68.6183% | 3,221 |
Assets per employee ($millions) | 4.9504% | 2,355 |
Cash dividends to net income (ytd only)* | 80.7214% | 889 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8324% | 1,024 |
Loan loss allowance to noncurrent loans | 231.9753% | 2,013 |
Noncurrent assets plus other real estate owned to assets | 0.7130% | 2,841 |
Noncurrent loans to loans | 0.7899% | 2,772 |
Net loans and leases to total assets | 59.8074% | 3,909 |
Net loans and leases to deposits | 68.3987% | 4,143 |
Net loans and leases to core deposits | 69.3811% | 4,377 |
Total domestic deposits to total assets | 87.4394% | 1,695 |
Equity capital to assets | 10.2506% | 3,914 |
Core capital (leverage) ratio | 10.4106% | 3,066 |
Tier 1 risk-based capital ratio | 20.2921% | 1,388 |
Total risk-based capital ratio | 21.5539% | 1,362 |
Memoranda: | ||
Average total assets | $166,062,670 | 3,365 |
Average earning assets | $159,303,670 | 3,277 |
Average equity | $17,171,000 | 3,566 |
Average total loans | $99,169,670 | 3,421 |
2016-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.1853% | 5,503 |
Cost of funding earning assets | 0.3441% | 3,670 |
Net interest margin | 2.8412% | 5,411 |
Noninterest income to average assets | 0.3516% | 4,210 |
Noninterest expense to average assets | 2.1269% | 5,060 |
Loan and lease loss provision to assets | 0.0000% | 3,656 |
Net operating income to assets | 0.9482% | 2,515 |
Return on assets (ROA) | 0.9482% | 2,632 |
Pretax return on assets | 0.9482% | 3,667 |
Return on Equity (ROE) | 9.1302% | 2,355 |
Retained earnings to average equity (ytd only) | 1.5412% | 4,653 |
Net charge-offs to loans | -0.0492% | 5,318 |
Credit loss provision to net charge-offs | 0.0000% | 2,416 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 69.1640% | 3,271 |
Assets per employee ($millions) | 5.0147% | 2,325 |
Cash dividends to net income (ytd only)* | 83.1202% | 954 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9223% | 935 |
Loan loss allowance to noncurrent loans | 223.8267% | 2,062 |
Noncurrent assets plus other real estate owned to assets | 0.7191% | 2,915 |
Noncurrent loans to loans | 0.8589% | 2,702 |
Net loans and leases to total assets | 55.6577% | 4,295 |
Net loans and leases to deposits | 63.6905% | 4,460 |
Net loans and leases to core deposits | 64.4830% | 4,658 |
Total domestic deposits to total assets | 87.3878% | 2,002 |
Equity capital to assets | 10.0733% | 3,983 |
Core capital (leverage) ratio | 10.4897% | 2,979 |
Tier 1 risk-based capital ratio | 20.8765% | 1,335 |
Total risk-based capital ratio | 22.1387% | 1,308 |
Memoranda: | ||
Average total assets | $164,938,000 | 3,386 |
Average earning assets | $158,099,500 | 3,306 |
Average equity | $17,130,000 | 3,563 |
Average total loans | $97,483,500 | 3,461 |
2015-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4917% | 4,941 |
Cost of funding earning assets | 0.3620% | 3,555 |
Net interest margin | 3.1297% | 4,837 |
Noninterest income to average assets | 0.3444% | 4,453 |
Noninterest expense to average assets | 2.3006% | 4,783 |
Loan and lease loss provision to assets | -0.1790% | 5,963 |
Net operating income to assets | 1.1998% | 1,550 |
Return on assets (ROA) | 1.1998% | 1,623 |
Pretax return on assets | 1.1998% | 2,660 |
Return on Equity (ROE) | 11.1778% | 1,551 |
Retained earnings to average equity (ytd only) | 7.1870% | 1,198 |
Net charge-offs to loans | -0.0733% | 5,685 |
Credit loss provision to net charge-offs | 371.6216% | 804 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 69.2670% | 3,351 |
Assets per employee ($millions) | 4.6875% | 2,746 |
Cash dividends to net income (ytd only)* | 35.7027% | 3,067 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8817% | 989 |
Loan loss allowance to noncurrent loans | 208.1081% | 2,192 |
Noncurrent assets plus other real estate owned to assets | 0.9211% | 2,362 |
Noncurrent loans to loans | 0.9042% | 2,529 |
Net loans and leases to total assets | 60.4624% | 3,771 |
Net loans and leases to deposits | 69.8458% | 3,938 |
Net loans and leases to core deposits | 70.9149% | 4,222 |
Total domestic deposits to total assets | 86.5656% | 2,343 |
Equity capital to assets | 10.7200% | 3,107 |
Core capital (leverage) ratio | 10.8556% | 2,556 |
Tier 1 risk-based capital ratio | 20.4832% | 1,386 |
Total risk-based capital ratio | 21.7455% | 1,356 |
Memoranda: | ||
Average total assets | $153,610,000 | 3,516 |
Average earning assets | $146,116,800 | 3,457 |
Average equity | $16,488,000 | 3,604 |
Average total loans | $100,962,400 | 3,368 |
2015-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5182% | 4,938 |
Cost of funding earning assets | 0.3654% | 3,600 |
Net interest margin | 3.1528% | 4,815 |
Noninterest income to average assets | 0.3233% | 4,628 |
Noninterest expense to average assets | 2.3333% | 4,689 |
Loan and lease loss provision to assets | 0.0000% | 4,232 |
Net operating income to assets | 0.9840% | 2,551 |
Return on assets (ROA) | 0.9840% | 2,633 |
Pretax return on assets | 0.9840% | 3,674 |
Return on Equity (ROE) | 9.1641% | 2,488 |
Retained earnings to average equity (ytd only) | 3.7945% | 3,766 |
Net charge-offs to loans | 0.1312% | 1,827 |
Credit loss provision to net charge-offs | 0.0000% | 3,517 |
Earnings coverage of net charge-offs (x) | 11.2300% | 2,513 |
Efficiency ratio | 70.3381% | 3,157 |
Assets per employee ($millions) | 4.6697% | 2,743 |
Cash dividends to net income (ytd only)* | 58.5928% | 1,482 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9124% | 1,045 |
Loan loss allowance to noncurrent loans | 213.4721% | 2,134 |
Noncurrent assets plus other real estate owned to assets | 0.9410% | 2,509 |
Noncurrent loans to loans | 0.8959% | 2,735 |
Net loans and leases to total assets | 62.9613% | 3,461 |
Net loans and leases to deposits | 72.5479% | 3,702 |
Net loans and leases to core deposits | 73.6728% | 4,048 |
Total domestic deposits to total assets | 86.7858% | 2,148 |
Equity capital to assets | 10.4296% | 3,673 |
Core capital (leverage) ratio | 10.5055% | 3,043 |
Tier 1 risk-based capital ratio | 19.2958% | 1,705 |
Total risk-based capital ratio | 20.5585% | 1,671 |
Memoranda: | ||
Average total assets | $152,168,750 | 3,567 |
Average earning assets | $144,502,500 | 3,515 |
Average equity | $16,338,750 | 3,657 |
Average total loans | $101,650,500 | 3,392 |
2015-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5393% | 4,885 |
Cost of funding earning assets | 0.3689% | 3,613 |
Net interest margin | 3.1704% | 4,749 |
Noninterest income to average assets | 0.3054% | 4,770 |
Noninterest expense to average assets | 2.3658% | 4,675 |
Loan and lease loss provision to assets | 0.0000% | 4,069 |
Net operating income to assets | 0.9429% | 2,672 |
Return on assets (ROA) | 0.9429% | 2,793 |
Pretax return on assets | 0.9429% | 3,800 |
Return on Equity (ROE) | 8.6933% | 2,705 |
Retained earnings to average equity (ytd only) | 4.6479% | 3,083 |
Net charge-offs to loans | 0.1044% | 1,963 |
Credit loss provision to net charge-offs | 0.0000% | 3,158 |
Earnings coverage of net charge-offs (x) | 13.3396% | 2,140 |
Efficiency ratio | 71.5034% | 3,070 |
Assets per employee ($millions) | 4.5931% | 2,840 |
Cash dividends to net income (ytd only)* | 46.5347% | 2,085 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9249% | 1,117 |
Loan loss allowance to noncurrent loans | 270.0947% | 1,764 |
Noncurrent assets plus other real estate owned to assets | 1.1859% | 2,142 |
Noncurrent loans to loans | 0.7127% | 3,352 |
Net loans and leases to total assets | 65.1226% | 3,104 |
Net loans and leases to deposits | 75.2110% | 3,359 |
Net loans and leases to core deposits | 76.2542% | 3,743 |
Total domestic deposits to total assets | 86.5865% | 2,383 |
Equity capital to assets | 10.5607% | 3,378 |
Core capital (leverage) ratio | 10.9369% | 2,493 |
Tier 1 risk-based capital ratio | 19.0151% | 1,788 |
Total risk-based capital ratio | 20.2777% | 1,757 |
Memoranda: | ||
Average total assets | $149,968,670 | 3,631 |
Average earning assets | $142,063,000 | 3,567 |
Average equity | $16,265,330 | 3,683 |
Average total loans | $101,563,330 | 3,410 |
2015-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5437% | 4,849 |
Cost of funding earning assets | 0.3848% | 3,468 |
Net interest margin | 3.1589% | 4,755 |
Noninterest income to average assets | 0.3786% | 4,170 |
Noninterest expense to average assets | 2.4130% | 4,557 |
Loan and lease loss provision to assets | 0.0000% | 3,703 |
Net operating income to assets | 0.9614% | 2,440 |
Return on assets (ROA) | 0.9614% | 2,574 |
Pretax return on assets | 0.9614% | 3,642 |
Return on Equity (ROE) | 8.7420% | 2,577 |
Retained earnings to average equity (ytd only) | 0.5944% | 5,196 |
Net charge-offs to loans | 0.2508% | 953 |
Credit loss provision to net charge-offs | 0.0000% | 2,491 |
Earnings coverage of net charge-offs (x) | 5.6032% | 2,372 |
Efficiency ratio | 71.5093% | 3,248 |
Assets per employee ($millions) | 4.3585% | 3,271 |
Cash dividends to net income (ytd only)* | 93.2011% | 778 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0173% | 1,043 |
Loan loss allowance to noncurrent loans | 254.6154% | 1,823 |
Noncurrent assets plus other real estate owned to assets | 1.5872% | 1,620 |
Noncurrent loans to loans | 0.7923% | 3,269 |
Net loans and leases to total assets | 65.0952% | 2,922 |
Net loans and leases to deposits | 75.5384% | 3,112 |
Net loans and leases to core deposits | 76.4792% | 3,541 |
Total domestic deposits to total assets | 86.1751% | 2,842 |
Equity capital to assets | 10.9077% | 3,081 |
Core capital (leverage) ratio | 11.0144% | 2,398 |
Tier 1 risk-based capital ratio | 19.7822% | 1,674 |
Total risk-based capital ratio | 21.0471% | 1,632 |
Memoranda: | ||
Average total assets | $146,871,000 | 3,701 |
Average earning assets | $139,288,000 | 3,638 |
Average equity | $16,152,000 | 3,722 |
Average total loans | $100,498,000 | 3,444 |
2014-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9069% | 4,102 |
Cost of funding earning assets | 0.5303% | 2,386 |
Net interest margin | 3.3766% | 4,294 |
Noninterest income to average assets | 0.1313% | 6,037 |
Noninterest expense to average assets | 2.5853% | 4,275 |
Loan and lease loss provision to assets | -0.3470% | 6,396 |
Net operating income to assets | 1.0618% | 2,121 |
Return on assets (ROA) | 1.0874% | 2,076 |
Pretax return on assets | 1.0874% | 3,135 |
Return on Equity (ROE) | 10.2591% | 2,006 |
Retained earnings to average equity (ytd only) | 10.2591% | 477 |
Net charge-offs to loans | -0.0239% | 5,740 |
Credit loss provision to net charge-offs | 1,930.7692% | 160 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 78.3410% | 2,155 |
Assets per employee ($millions) | 4.2810% | 3,394 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9981% | 1,117 |
Loan loss allowance to noncurrent loans | 176.9430% | 2,474 |
Noncurrent assets plus other real estate owned to assets | 1.8797% | 1,373 |
Noncurrent loans to loans | 1.1292% | 2,578 |
Net loans and leases to total assets | 69.0450% | 2,388 |
Net loans and leases to deposits | 80.3269% | 2,677 |
Net loans and leases to core deposits | 81.5220% | 3,150 |
Total domestic deposits to total assets | 85.9549% | 2,865 |
Equity capital to assets | 11.0887% | 2,817 |
Core capital (leverage) ratio | 11.1938% | 2,221 |
Tier 1 risk-based capital ratio | 18.8682% | 1,887 |
Total risk-based capital ratio | 20.1329% | 1,845 |
Memoranda: | ||
Average total assets | $144,661,600 | 3,712 |
Average earning assets | $135,759,800 | 3,661 |
Average equity | $15,332,800 | 3,776 |
Average total loans | $108,612,600 | 3,251 |
2014-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9279% | 4,062 |
Cost of funding earning assets | 0.5616% | 2,182 |
Net interest margin | 3.3664% | 4,371 |
Noninterest income to average assets | 0.1311% | 6,116 |
Noninterest expense to average assets | 2.6483% | 4,019 |
Loan and lease loss provision to assets | -0.4634% | 6,526 |
Net operating income to assets | 1.1003% | 2,029 |
Return on assets (ROA) | 1.1345% | 1,979 |
Pretax return on assets | 1.1345% | 3,050 |
Return on Equity (ROE) | 10.8296% | 1,861 |
Retained earnings to average equity (ytd only) | 10.8296% | 546 |
Net charge-offs to loans | -0.1174% | 6,188 |
Credit loss provision to net charge-offs | 517.5258% | 549 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 80.6125% | 1,823 |
Assets per employee ($millions) | 4.3165% | 3,266 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9184% | 1,412 |
Loan loss allowance to noncurrent loans | 178.4512% | 2,360 |
Noncurrent assets plus other real estate owned to assets | 1.9474% | 1,494 |
Noncurrent loans to loans | 1.0750% | 2,923 |
Net loans and leases to total assets | 76.0911% | 1,211 |
Net loans and leases to deposits | 89.4187% | 1,486 |
Net loans and leases to core deposits | 90.8145% | 2,143 |
Total domestic deposits to total assets | 85.0953% | 3,305 |
Equity capital to assets | 11.0941% | 2,865 |
Core capital (leverage) ratio | 10.8694% | 2,609 |
Tier 1 risk-based capital ratio | 17.1568% | 2,544 |
Total risk-based capital ratio | 18.4203% | 2,499 |
Memoranda: | ||
Average total assets | $144,438,750 | 3,752 |
Average earning assets | $135,334,500 | 3,698 |
Average equity | $15,131,000 | 3,830 |
Average total loans | $110,129,250 | 3,233 |
2014-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9255% | 4,035 |
Cost of funding earning assets | 0.5753% | 2,115 |
Net interest margin | 3.3501% | 4,404 |
Noninterest income to average assets | 0.1999% | 5,762 |
Noninterest expense to average assets | 2.6629% | 4,005 |
Loan and lease loss provision to assets | -0.2412% | 6,500 |
Net operating income to assets | 0.9083% | 2,765 |
Return on assets (ROA) | 0.9593% | 2,599 |
Pretax return on assets | 0.9593% | 3,646 |
Return on Equity (ROE) | 9.3379% | 2,445 |
Retained earnings to average equity (ytd only) | 9.3379% | 874 |
Net charge-offs to loans | -0.1636% | 6,295 |
Credit loss provision to net charge-offs | 194.4444% | 1,206 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 79.9669% | 2,032 |
Assets per employee ($millions) | 4.4315% | 3,033 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.2043% | 1,017 |
Loan loss allowance to noncurrent loans | 178.6237% | 2,347 |
Noncurrent assets plus other real estate owned to assets | 2.7619% | 949 |
Noncurrent loans to loans | 1.2340% | 2,763 |
Net loans and leases to total assets | 74.0259% | 1,441 |
Net loans and leases to deposits | 86.2843% | 1,795 |
Net loans and leases to core deposits | 87.7702% | 2,332 |
Total domestic deposits to total assets | 85.7930% | 3,156 |
Equity capital to assets | 10.4303% | 3,529 |
Core capital (leverage) ratio | 10.4858% | 2,967 |
Tier 1 risk-based capital ratio | 16.6096% | 2,777 |
Total risk-based capital ratio | 17.8769% | 2,738 |
Memoranda: | ||
Average total assets | $145,103,330 | 3,760 |
Average earning assets | $135,576,330 | 3,718 |
Average equity | $14,907,000 | 3,871 |
Average total loans | $110,003,000 | 3,241 |
2014-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9353% | 3,948 |
Cost of funding earning assets | 0.5947% | 2,018 |
Net interest margin | 3.3406% | 4,369 |
Noninterest income to average assets | 0.5148% | 3,298 |
Noninterest expense to average assets | 2.5295% | 4,525 |
Loan and lease loss provision to assets | 0.0000% | 3,817 |
Net operating income to assets | 1.1098% | 1,781 |
Return on assets (ROA) | 1.1098% | 1,834 |
Pretax return on assets | 1.1098% | 2,859 |
Return on Equity (ROE) | 10.8864% | 1,722 |
Retained earnings to average equity (ytd only) | 10.8864% | 763 |
Net charge-offs to loans | -0.6420% | 6,584 |
Credit loss provision to net charge-offs | 0.0000% | 2,688 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 69.5057% | 3,909 |
Assets per employee ($millions) | 4.1939% | 3,539 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.4396% | 865 |
Loan loss allowance to noncurrent loans | 180.1868% | 2,295 |
Noncurrent assets plus other real estate owned to assets | 3.0936% | 903 |
Noncurrent loans to loans | 1.3539% | 2,779 |
Net loans and leases to total assets | 73.5869% | 1,330 |
Net loans and leases to deposits | 85.4834% | 1,663 |
Net loans and leases to core deposits | 86.9407% | 2,205 |
Total domestic deposits to total assets | 86.0832% | 3,323 |
Equity capital to assets | 10.1841% | 3,615 |
Core capital (leverage) ratio | 10.2931% | 3,180 |
Tier 1 risk-based capital ratio | 15.9193% | 3,207 |
Total risk-based capital ratio | 17.1900% | 3,150 |
Memoranda: | ||
Average total assets | $144,536,000 | 3,794 |
Average earning assets | $135,187,000 | 3,743 |
Average equity | $14,734,000 | 3,908 |
Average total loans | $109,657,500 | 3,268 |
2013-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8561% | 4,620 |
Cost of funding earning assets | 0.7099% | 1,744 |
Net interest margin | 3.1462% | 5,171 |
Noninterest income to average assets | 0.3974% | 4,465 |
Noninterest expense to average assets | 2.6494% | 4,283 |
Loan and lease loss provision to assets | -0.1095% | 6,497 |
Net operating income to assets | 0.8106% | 3,239 |
Return on assets (ROA) | 0.8106% | 3,334 |
Pretax return on assets | 0.8106% | 4,105 |
Return on Equity (ROE) | 8.4856% | 2,787 |
Retained earnings to average equity (ytd only) | 8.4856% | 911 |
Net charge-offs to loans | 0.2052% | 2,829 |
Credit loss provision to net charge-offs | -74.0741% | 5,834 |
Earnings coverage of net charge-offs (x) | 4.7454% | 3,476 |
Efficiency ratio | 79.0731% | 2,307 |
Assets per employee ($millions) | 4.0653% | 3,719 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.3251% | 1,017 |
Loan loss allowance to noncurrent loans | 92.0525% | 3,828 |
Noncurrent assets plus other real estate owned to assets | 4.0686% | 645 |
Noncurrent loans to loans | 2.5258% | 1,485 |
Net loans and leases to total assets | 74.5497% | 1,274 |
Net loans and leases to deposits | 85.9545% | 1,693 |
Net loans and leases to core deposits | 87.7013% | 2,273 |
Total domestic deposits to total assets | 86.7316% | 2,864 |
Equity capital to assets | 10.2042% | 3,499 |
Core capital (leverage) ratio | 10.1003% | 3,431 |
Tier 1 risk-based capital ratio | 15.6302% | 3,289 |
Total risk-based capital ratio | 16.8811% | 3,245 |
Memoranda: | ||
Average total assets | $146,183,800 | 3,766 |
Average earning assets | $137,211,800 | 3,706 |
Average equity | $13,964,800 | 4,078 |
Average total loans | $105,270,000 | 3,337 |
2013-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8242% | 4,754 |
Cost of funding earning assets | 0.7330% | 1,721 |
Net interest margin | 3.0913% | 5,341 |
Noninterest income to average assets | 0.4585% | 4,094 |
Noninterest expense to average assets | 2.6447% | 4,227 |
Loan and lease loss provision to assets | 0.0000% | 4,941 |
Net operating income to assets | 0.7140% | 3,790 |
Return on assets (ROA) | 0.7140% | 3,920 |
Pretax return on assets | 0.7140% | 4,642 |
Return on Equity (ROE) | 7.5989% | 3,323 |
Retained earnings to average equity (ytd only) | 7.5989% | 1,589 |
Net charge-offs to loans | 0.2949% | 2,060 |
Credit loss provision to net charge-offs | 0.0000% | 4,342 |
Earnings coverage of net charge-offs (x) | 3.4113% | 3,710 |
Efficiency ratio | 78.7429% | 2,303 |
Assets per employee ($millions) | 4.0955% | 3,641 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.5225% | 910 |
Loan loss allowance to noncurrent loans | 96.6341% | 3,557 |
Noncurrent assets plus other real estate owned to assets | 4.3943% | 690 |
Noncurrent loans to loans | 2.6103% | 1,629 |
Net loans and leases to total assets | 71.9800% | 1,595 |
Net loans and leases to deposits | 82.8567% | 2,020 |
Net loans and leases to core deposits | 85.2797% | 2,493 |
Total domestic deposits to total assets | 86.8728% | 2,757 |
Equity capital to assets | 9.8546% | 4,103 |
Core capital (leverage) ratio | 9.7540% | 4,025 |
Tier 1 risk-based capital ratio | 15.5246% | 3,460 |
Total risk-based capital ratio | 16.7953% | 3,408 |
Memoranda: | ||
Average total assets | $147,158,500 | 3,795 |
Average earning assets | $138,063,000 | 3,736 |
Average equity | $13,826,250 | 4,146 |
Average total loans | $104,438,000 | 3,379 |
2013-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7993% | 4,837 |
Cost of funding earning assets | 0.7567% | 1,663 |
Net interest margin | 3.0426% | 5,454 |
Noninterest income to average assets | 0.4595% | 4,095 |
Noninterest expense to average assets | 2.5979% | 4,395 |
Loan and lease loss provision to assets | 0.0000% | 4,788 |
Net operating income to assets | 0.7222% | 3,708 |
Return on assets (ROA) | 0.7222% | 3,875 |
Pretax return on assets | 0.7222% | 4,602 |
Return on Equity (ROE) | 7.8098% | 3,183 |
Retained earnings to average equity (ytd only) | 7.8098% | 1,562 |
Net charge-offs to loans | 0.0635% | 3,796 |
Credit loss provision to net charge-offs | 0.0000% | 4,003 |
Earnings coverage of net charge-offs (x) | 16.2424% | 1,676 |
Efficiency ratio | 78.2468% | 2,417 |
Assets per employee ($millions) | 4.0837% | 3,615 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.7434% | 753 |
Loan loss allowance to noncurrent loans | 88.7926% | 3,752 |
Noncurrent assets plus other real estate owned to assets | 4.0948% | 842 |
Noncurrent loans to loans | 3.0897% | 1,432 |
Net loans and leases to total assets | 69.1594% | 2,041 |
Net loans and leases to deposits | 78.1999% | 2,543 |
Net loans and leases to core deposits | 82.0183% | 2,801 |
Total domestic deposits to total assets | 88.4392% | 1,956 |
Equity capital to assets | 9.4855% | 4,601 |
Core capital (leverage) ratio | 9.3230% | 4,505 |
Tier 1 risk-based capital ratio | 15.6154% | 3,421 |
Total risk-based capital ratio | 16.8898% | 3,347 |
Memoranda: | ||
Average total assets | $148,430,000 | 3,798 |
Average earning assets | $139,551,670 | 3,729 |
Average equity | $13,726,330 | 4,206 |
Average total loans | $103,967,670 | 3,401 |
2013-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8085% | 4,799 |
Cost of funding earning assets | 0.7834% | 1,626 |
Net interest margin | 3.0252% | 5,507 |
Noninterest income to average assets | 0.3835% | 4,592 |
Noninterest expense to average assets | 2.4836% | 4,810 |
Loan and lease loss provision to assets | 0.0000% | 4,409 |
Net operating income to assets | 0.7483% | 3,444 |
Return on assets (ROA) | 0.7483% | 3,580 |
Pretax return on assets | 0.7483% | 4,378 |
Return on Equity (ROE) | 8.1956% | 2,880 |
Retained earnings to average equity (ytd only) | 8.1956% | 1,686 |
Net charge-offs to loans | -0.0733% | 6,298 |
Credit loss provision to net charge-offs | 0.0000% | 3,239 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 76.8465% | 2,788 |
Assets per employee ($millions) | 4.0698% | 3,800 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.8254% | 797 |
Loan loss allowance to noncurrent loans | 85.7562% | 3,759 |
Noncurrent assets plus other real estate owned to assets | 4.1778% | 925 |
Noncurrent loans to loans | 3.2947% | 1,470 |
Net loans and leases to total assets | 66.6921% | 2,249 |
Net loans and leases to deposits | 76.5409% | 2,545 |
Net loans and leases to core deposits | 79.9253% | 2,818 |
Total domestic deposits to total assets | 87.1327% | 2,880 |
Equity capital to assets | 9.1391% | 5,324 |
Core capital (leverage) ratio | 9.2694% | 4,455 |
Tier 1 risk-based capital ratio | 15.6403% | 3,457 |
Total risk-based capital ratio | 16.9166% | 3,406 |
Memoranda: | ||
Average total assets | $149,138,000 | 3,828 |
Average earning assets | $140,422,500 | 3,762 |
Average equity | $13,617,000 | 4,268 |
Average total loans | $103,680,500 | 3,425 |
2012-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2299% | 4,477 |
Cost of funding earning assets | 0.9019% | 1,924 |
Net interest margin | 3.3280% | 5,148 |
Noninterest income to average assets | 0.3517% | 4,949 |
Noninterest expense to average assets | 2.4713% | 5,182 |
Loan and lease loss provision to assets | 0.3726% | 1,759 |
Net operating income to assets | 0.5779% | 4,346 |
Return on assets (ROA) | 0.5779% | 4,606 |
Pretax return on assets | 0.5779% | 5,060 |
Return on Equity (ROE) | 7.0204% | 3,633 |
Retained earnings to average equity (ytd only) | 7.0204% | 1,559 |
Net charge-offs to loans | 1.1974% | 842 |
Credit loss provision to net charge-offs | 45.0575% | 4,814 |
Earnings coverage of net charge-offs (x) | 1.1494% | 4,887 |
Efficiency ratio | 72.2222% | 3,373 |
Assets per employee ($millions) | 4.2198% | 3,511 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.7890% | 828 |
Loan loss allowance to noncurrent loans | 80.6730% | 3,889 |
Noncurrent assets plus other real estate owned to assets | 4.4457% | 934 |
Noncurrent loans to loans | 3.4572% | 1,451 |
Net loans and leases to total assets | 68.4616% | 2,107 |
Net loans and leases to deposits | 78.9150% | 2,410 |
Net loans and leases to core deposits | 84.1675% | 2,530 |
Total domestic deposits to total assets | 86.7536% | 2,959 |
Equity capital to assets | 9.1216% | 5,375 |
Core capital (leverage) ratio | 8.9143% | 5,025 |
Tier 1 risk-based capital ratio | 15.4557% | 3,456 |
Total risk-based capital ratio | 16.7319% | 3,395 |
Memoranda: | ||
Average total assets | $157,813,000 | 3,656 |
Average earning assets | $145,581,800 | 3,630 |
Average equity | $12,990,800 | 4,361 |
Average total loans | $108,989,600 | 3,317 |
2012-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2595% | 4,610 |
Cost of funding earning assets | 0.9160% | 2,064 |
Net interest margin | 3.3435% | 5,234 |
Noninterest income to average assets | 0.3808% | 4,775 |
Noninterest expense to average assets | 2.3798% | 5,455 |
Loan and lease loss provision to assets | 0.5139% | 1,184 |
Net operating income to assets | 0.5588% | 4,578 |
Return on assets (ROA) | 0.5588% | 4,838 |
Pretax return on assets | 0.5588% | 5,280 |
Return on Equity (ROE) | 6.9615% | 3,842 |
Retained earnings to average equity (ytd only) | 6.9615% | 2,154 |
Net charge-offs to loans | 1.3994% | 646 |
Credit loss provision to net charge-offs | 53.4140% | 4,311 |
Earnings coverage of net charge-offs (x) | 1.1150% | 4,741 |
Efficiency ratio | 68.9306% | 3,887 |
Assets per employee ($millions) | 4.1755% | 3,530 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.8671% | 832 |
Loan loss allowance to noncurrent loans | 85.1965% | 3,679 |
Noncurrent assets plus other real estate owned to assets | 4.5976% | 1,001 |
Noncurrent loans to loans | 3.3653% | 1,630 |
Net loans and leases to total assets | 67.5187% | 2,363 |
Net loans and leases to deposits | 77.1691% | 2,780 |
Net loans and leases to core deposits | 82.3486% | 2,913 |
Total domestic deposits to total assets | 87.4945% | 2,357 |
Equity capital to assets | 8.5661% | 6,207 |
Core capital (leverage) ratio | 8.5104% | 5,733 |
Tier 1 risk-based capital ratio | 14.8546% | 3,946 |
Total risk-based capital ratio | 16.1321% | 3,888 |
Memoranda: | ||
Average total assets | $160,343,000 | 3,649 |
Average earning assets | $147,305,750 | 3,638 |
Average equity | $12,870,500 | 4,423 |
Average total loans | $110,233,500 | 3,324 |
2012-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2757% | 4,663 |
Cost of funding earning assets | 0.9379% | 2,134 |
Net interest margin | 3.3378% | 5,315 |
Noninterest income to average assets | 0.4535% | 4,266 |
Noninterest expense to average assets | 2.3390% | 5,638 |
Loan and lease loss provision to assets | 0.6384% | 903 |
Net operating income to assets | 0.5373% | 4,641 |
Return on assets (ROA) | 0.5373% | 4,917 |
Pretax return on assets | 0.5373% | 5,348 |
Return on Equity (ROE) | 6.8396% | 3,864 |
Retained earnings to average equity (ytd only) | 6.8396% | 2,194 |
Net charge-offs to loans | 1.2376% | 871 |
Credit loss provision to net charge-offs | 75.2907% | 3,449 |
Earnings coverage of net charge-offs (x) | 1.3866% | 4,315 |
Efficiency ratio | 66.5498% | 4,414 |
Assets per employee ($millions) | 4.2917% | 3,270 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.2673% | 609 |
Loan loss allowance to noncurrent loans | 82.1735% | 3,714 |
Noncurrent assets plus other real estate owned to assets | 5.3088% | 866 |
Noncurrent loans to loans | 3.9761% | 1,390 |
Net loans and leases to total assets | 64.2872% | 2,971 |
Net loans and leases to deposits | 73.0511% | 3,451 |
Net loans and leases to core deposits | 78.5931% | 3,435 |
Total domestic deposits to total assets | 88.0032% | 2,138 |
Equity capital to assets | 8.1704% | 6,479 |
Core capital (leverage) ratio | 8.0210% | 6,251 |
Tier 1 risk-based capital ratio | 14.7541% | 3,930 |
Total risk-based capital ratio | 16.0371% | 3,871 |
Memoranda: | ||
Average total assets | $162,293,330 | 3,625 |
Average earning assets | $148,842,000 | 3,623 |
Average equity | $12,749,330 | 4,446 |
Average total loans | $111,181,330 | 3,307 |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3671% | 4,456 |
Cost of funding earning assets | 0.9672% | 2,180 |
Net interest margin | 3.3999% | 5,122 |
Noninterest income to average assets | 0.4682% | 4,153 |
Noninterest expense to average assets | 2.5603% | 4,957 |
Loan and lease loss provision to assets | 0.4170% | 1,511 |
Net operating income to assets | 0.6193% | 4,263 |
Return on assets (ROA) | 0.6193% | 4,472 |
Pretax return on assets | 0.6193% | 5,050 |
Return on Equity (ROE) | 8.0399% | 3,271 |
Retained earnings to average equity (ytd only) | 8.0399% | 1,971 |
Net charge-offs to loans | 2.2771% | 382 |
Credit loss provision to net charge-offs | 26.3482% | 3,685 |
Earnings coverage of net charge-offs (x) | 0.6549% | 4,005 |
Efficiency ratio | 71.1864% | 3,589 |
Assets per employee ($millions) | 4.3826% | 3,222 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.8269% | 982 |
Loan loss allowance to noncurrent loans | 53.0405% | 4,894 |
Noncurrent assets plus other real estate owned to assets | 5.8709% | 812 |
Noncurrent loans to loans | 5.3298% | 1,020 |
Net loans and leases to total assets | 66.5614% | 2,370 |
Net loans and leases to deposits | 75.9409% | 2,802 |
Net loans and leases to core deposits | 82.5455% | 2,754 |
Total domestic deposits to total assets | 87.6490% | 2,554 |
Equity capital to assets | 7.8714% | 6,600 |
Core capital (leverage) ratio | 7.8408% | 6,383 |
Tier 1 risk-based capital ratio | 13.7790% | 4,628 |
Total risk-based capital ratio | 15.0553% | 4,588 |
Memoranda: | ||
Average total assets | $164,044,000 | 3,621 |
Average earning assets | $150,947,500 | 3,599 |
Average equity | $12,637,000 | 4,476 |
Average total loans | $114,006,500 | 3,276 |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3397% | 5,634 |
Cost of funding earning assets | 1.2418% | 1,777 |
Net interest margin | 3.0979% | 6,352 |
Noninterest income to average assets | -0.2769% | 7,192 |
Noninterest expense to average assets | 2.5951% | 5,116 |
Loan and lease loss provision to assets | 0.4643% | 2,284 |
Net operating income to assets | -0.4565% | 6,456 |
Return on assets (ROA) | -0.4148% | 6,479 |
Pretax return on assets | -0.4148% | 6,431 |
Return on Equity (ROE) | -5.9429% | 6,576 |
Retained earnings to average equity (ytd only) | -5.9429% | 6,502 |
Net charge-offs to loans | 1.9135% | 748 |
Credit loss provision to net charge-offs | 35.1283% | 5,708 |
Earnings coverage of net charge-offs (x) | 0.0059% | 5,818 |
Efficiency ratio | 99.7009% | 683 |
Assets per employee ($millions) | 4.3666% | 3,130 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.0939% | 747 |
Loan loss allowance to noncurrent loans | 55.0685% | 4,752 |
Noncurrent assets plus other real estate owned to assets | 6.3526% | 750 |
Noncurrent loans to loans | 5.6183% | 934 |
Net loans and leases to total assets | 68.2940% | 2,336 |
Net loans and leases to deposits | 77.5475% | 2,912 |
Net loans and leases to core deposits | 84.8560% | 2,762 |
Total domestic deposits to total assets | 88.0673% | 2,109 |
Equity capital to assets | 7.5393% | 6,794 |
Core capital (leverage) ratio | 7.1731% | 6,801 |
Tier 1 risk-based capital ratio | 12.6393% | 5,341 |
Total risk-based capital ratio | 13.9197% | 5,307 |
Memoranda: | ||
Average total assets | $179,837,600 | 3,337 |
Average earning assets | $167,178,600 | 3,295 |
Average equity | $12,552,800 | 4,427 |
Average total loans | $124,220,000 | 3,096 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3012% | 5,949 |
Cost of funding earning assets | 1.3026% | 1,684 |
Net interest margin | 2.9985% | 6,583 |
Noninterest income to average assets | 0.1978% | 6,176 |
Noninterest expense to average assets | 3.0992% | 3,165 |
Loan and lease loss provision to assets | 0.4473% | 2,234 |
Net operating income to assets | -0.5593% | 6,669 |
Return on assets (ROA) | -0.5593% | 6,717 |
Pretax return on assets | -0.5593% | 6,660 |
Return on Equity (ROE) | -8.1610% | 6,817 |
Retained earnings to average equity (ytd only) | -8.1610% | 6,770 |
Net charge-offs to loans | 2.1157% | 578 |
Credit loss provision to net charge-offs | 30.7500% | 5,405 |
Earnings coverage of net charge-offs (x) | -0.0770% | 5,646 |
Efficiency ratio | 103.7497% | 559 |
Assets per employee ($millions) | 5.1966% | 1,936 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.2124% | 712 |
Loan loss allowance to noncurrent loans | 54.4497% | 4,734 |
Noncurrent assets plus other real estate owned to assets | 5.2936% | 1,074 |
Noncurrent loans to loans | 5.8997% | 953 |
Net loans and leases to total assets | 62.5352% | 3,603 |
Net loans and leases to deposits | 70.1253% | 4,280 |
Net loans and leases to core deposits | 77.3566% | 3,993 |
Total domestic deposits to total assets | 89.1764% | 1,316 |
Equity capital to assets | 6.8633% | 7,076 |
Core capital (leverage) ratio | 6.8283% | 6,999 |
Tier 1 risk-based capital ratio | 12.6266% | 5,392 |
Total risk-based capital ratio | 13.9092% | 5,344 |
Memoranda: | ||
Average total assets | $183,314,250 | 3,302 |
Average earning assets | $170,523,500 | 3,243 |
Average equity | $12,563,500 | 4,437 |
Average total loans | $126,040,250 | 3,079 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3760% | 5,773 |
Cost of funding earning assets | 1.3637% | 1,581 |
Net interest margin | 3.0123% | 6,584 |
Noninterest income to average assets | 0.1730% | 6,425 |
Noninterest expense to average assets | 3.3690% | 2,345 |
Loan and lease loss provision to assets | 0.3776% | 2,528 |
Net operating income to assets | -0.7781% | 6,857 |
Return on assets (ROA) | -0.6964% | 6,821 |
Pretax return on assets | -0.6964% | 6,764 |
Return on Equity (ROE) | -10.1665% | 6,944 |
Retained earnings to average equity (ytd only) | -10.1665% | 6,884 |
Net charge-offs to loans | 1.4339% | 1,049 |
Credit loss provision to net charge-offs | 37.5541% | 4,861 |
Earnings coverage of net charge-offs (x) | -0.3983% | 5,495 |
Efficiency ratio | 113.4897% | 417 |
Assets per employee ($millions) | 4.8601% | 2,320 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.7559% | 490 |
Loan loss allowance to noncurrent loans | 72.8733% | 3,815 |
Noncurrent assets plus other real estate owned to assets | 6.0737% | 923 |
Noncurrent loans to loans | 5.1541% | 1,252 |
Net loans and leases to total assets | 65.3066% | 3,183 |
Net loans and leases to deposits | 73.6305% | 3,860 |
Net loans and leases to core deposits | 81.8405% | 3,523 |
Total domestic deposits to total assets | 88.6951% | 1,721 |
Equity capital to assets | 6.9980% | 7,103 |
Core capital (leverage) ratio | 6.7814% | 7,061 |
Tier 1 risk-based capital ratio | 12.1625% | 5,650 |
Total risk-based capital ratio | 13.4523% | 5,597 |
Memoranda: | ||
Average total assets | $183,792,330 | 3,318 |
Average earning assets | $170,566,000 | 3,267 |
Average equity | $12,590,330 | 4,420 |
Average total loans | $128,882,330 | 3,060 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4294% | 5,587 |
Cost of funding earning assets | 1.4063% | 1,575 |
Net interest margin | 3.0231% | 6,523 |
Noninterest income to average assets | 0.2756% | 5,698 |
Noninterest expense to average assets | 3.7421% | 1,455 |
Loan and lease loss provision to assets | 0.3165% | 2,646 |
Net operating income to assets | -0.9689% | 7,036 |
Return on assets (ROA) | -0.8612% | 6,994 |
Pretax return on assets | -0.8612% | 6,947 |
Return on Equity (ROE) | -12.7050% | 7,090 |
Retained earnings to average equity (ytd only) | -12.7050% | 6,964 |
Net charge-offs to loans | 0.0907% | 4,036 |
Credit loss provision to net charge-offs | 490.0000% | 733 |
Earnings coverage of net charge-offs (x) | -10.1000% | 5,056 |
Efficiency ratio | 121.1150% | 331 |
Assets per employee ($millions) | 4.9546% | 2,231 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
Condition Ratios (%) | ||
Loss allowance to loans | 4.0518% | 412 |
Loan loss allowance to noncurrent loans | 89.1235% | 3,204 |
Noncurrent assets plus other real estate owned to assets | 5.2153% | 1,200 |
Noncurrent loans to loans | 4.5462% | 1,530 |
Net loans and leases to total assets | 66.3733% | 2,909 |
Net loans and leases to deposits | 74.3792% | 3,703 |
Net loans and leases to core deposits | 82.5034% | 3,380 |
Total domestic deposits to total assets | 89.2364% | 1,628 |
Equity capital to assets | 6.7631% | 7,150 |
Core capital (leverage) ratio | 6.8755% | 7,055 |
Tier 1 risk-based capital ratio | 11.7557% | 5,892 |
Total risk-based capital ratio | 13.0503% | 5,859 |
Memoranda: | ||
Average total assets | $185,776,500 | 3,303 |
Average earning assets | $172,934,000 | 3,258 |
Average equity | $12,593,500 | 4,420 |
Average total loans | $132,313,500 | 3,028 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7746% | 5,510 |
Cost of funding earning assets | 1.7618% | 1,333 |
Net interest margin | 3.0128% | 6,712 |
Noninterest income to average assets | 0.2975% | 5,664 |
Noninterest expense to average assets | 2.1882% | 6,653 |
Loan and lease loss provision to assets | 3.9459% | 163 |
Net operating income to assets | -3.0158% | 7,298 |
Return on assets (ROA) | -2.9322% | 7,302 |
Pretax return on assets | -2.9322% | 7,278 |
Return on Equity (ROE) | -37.6214% | 7,321 |
Retained earnings to average equity (ytd only) | -37.6214% | 7,311 |
Net charge-offs to loans | 3.2808% | 470 |
Credit loss provision to net charge-offs | 152.0554% | 2,362 |
Earnings coverage of net charge-offs (x) | 0.3584% | 5,746 |
Efficiency ratio | 70.1736% | 4,140 |
Assets per employee ($millions) | 4.2623% | 3,276 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.8397% | 453 |
Loan loss allowance to noncurrent loans | 65.9762% | 4,093 |
Noncurrent assets plus other real estate owned to assets | 6.3144% | 907 |
Noncurrent loans to loans | 5.8198% | 1,093 |
Net loans and leases to total assets | 70.5080% | 2,408 |
Net loans and leases to deposits | 79.1832% | 3,309 |
Net loans and leases to core deposits | 87.7799% | 3,082 |
Total domestic deposits to total assets | 89.0441% | 1,634 |
Equity capital to assets | 6.7951% | 7,177 |
Core capital (leverage) ratio | 7.0447% | 7,006 |
Tier 1 risk-based capital ratio | 11.1907% | 6,185 |
Total risk-based capital ratio | 12.4823% | 6,136 |
Memoranda: | ||
Average total assets | $186,549,400 | 3,277 |
Average earning assets | $174,654,800 | 3,194 |
Average equity | $14,539,600 | 4,025 |
Average total loans | $147,555,200 | 2,815 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8396% | 5,516 |
Cost of funding earning assets | 1.8355% | 1,280 |
Net interest margin | 3.0042% | 6,822 |
Noninterest income to average assets | 0.3039% | 5,720 |
Noninterest expense to average assets | 2.1889% | 6,634 |
Loan and lease loss provision to assets | 4.5578% | 118 |
Net operating income to assets | -3.6277% | 7,533 |
Return on assets (ROA) | -3.5167% | 7,530 |
Pretax return on assets | -3.5167% | 7,497 |
Return on Equity (ROE) | -43.7499% | 7,520 |
Retained earnings to average equity (ytd only) | -43.7499% | 7,517 |
Net charge-offs to loans | 3.6080% | 366 |
Credit loss provision to net charge-offs | 156.9084% | 2,438 |
Earnings coverage of net charge-offs (x) | 0.3202% | 5,709 |
Efficiency ratio | 70.1802% | 4,026 |
Assets per employee ($millions) | 4.4948% | 2,914 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.6081% | 496 |
Loan loss allowance to noncurrent loans | 71.8027% | 3,718 |
Noncurrent assets plus other real estate owned to assets | 5.4335% | 1,144 |
Noncurrent loans to loans | 5.0250% | 1,369 |
Net loans and leases to total assets | 73.7448% | 1,848 |
Net loans and leases to deposits | 83.3640% | 2,816 |
Net loans and leases to core deposits | 87.1848% | 3,493 |
Total domestic deposits to total assets | 88.4612% | 1,690 |
Equity capital to assets | 7.2817% | 7,238 |
Core capital (leverage) ratio | 7.1101% | 7,105 |
Tier 1 risk-based capital ratio | 11.4277% | 5,992 |
Total risk-based capital ratio | 12.7160% | 5,949 |
Memoranda: | ||
Average total assets | $187,366,750 | 3,312 |
Average earning assets | $175,573,250 | 3,221 |
Average equity | $15,061,000 | 3,976 |
Average total loans | $150,847,250 | 2,794 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8746% | 5,505 |
Cost of funding earning assets | 1.8946% | 1,260 |
Net interest margin | 2.9800% | 6,869 |
Noninterest income to average assets | 0.3455% | 5,383 |
Noninterest expense to average assets | 2.2318% | 6,565 |
Loan and lease loss provision to assets | 2.6436% | 411 |
Net operating income to assets | -1.7252% | 7,231 |
Return on assets (ROA) | -1.5609% | 7,180 |
Pretax return on assets | -1.5609% | 7,097 |
Return on Equity (ROE) | -18.8582% | 7,252 |
Retained earnings to average equity (ytd only) | -18.8582% | 7,227 |
Net charge-offs to loans | 2.4691% | 705 |
Credit loss provision to net charge-offs | 130.9338% | 3,077 |
Earnings coverage of net charge-offs (x) | 0.4549% | 5,258 |
Efficiency ratio | 70.8459% | 4,012 |
Assets per employee ($millions) | 4.8076% | 2,438 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1754% | 1,812 |
Loan loss allowance to noncurrent loans | 41.0488% | 5,598 |
Noncurrent assets plus other real estate owned to assets | 4.8726% | 1,332 |
Noncurrent loans to loans | 5.2995% | 1,269 |
Net loans and leases to total assets | 77.5394% | 1,187 |
Net loans and leases to deposits | 88.9008% | 2,016 |
Net loans and leases to core deposits | 94.3850% | 2,656 |
Total domestic deposits to total assets | 87.2201% | 2,424 |
Equity capital to assets | 8.5969% | 6,021 |
Core capital (leverage) ratio | 8.5022% | 5,406 |
Tier 1 risk-based capital ratio | 13.1198% | 4,347 |
Total risk-based capital ratio | 14.3869% | 4,291 |
Memoranda: | ||
Average total assets | $189,891,330 | 3,305 |
Average earning assets | $178,722,000 | 3,206 |
Average equity | $15,717,330 | 3,852 |
Average total loans | $155,279,330 | 2,757 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9864% | 5,078 |
Cost of funding earning assets | 1.9470% | 1,254 |
Net interest margin | 3.0393% | 6,741 |
Noninterest income to average assets | 0.3349% | 5,462 |
Noninterest expense to average assets | 2.2482% | 6,552 |
Loan and lease loss provision to assets | 1.7960% | 631 |
Net operating income to assets | -0.8436% | 7,029 |
Return on assets (ROA) | -0.8436% | 7,059 |
Pretax return on assets | -0.8436% | 6,974 |
Return on Equity (ROE) | -10.3889% | 7,153 |
Retained earnings to average equity (ytd only) | -10.3889% | 6,987 |
Net charge-offs to loans | 1.9873% | 863 |
Credit loss provision to net charge-offs | 108.8832% | 3,158 |
Earnings coverage of net charge-offs (x) | 0.5774% | 4,512 |
Efficiency ratio | 70.2420% | 4,257 |
Assets per employee ($millions) | 5.0836% | 2,121 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7107% | 3,024 |
Loan loss allowance to noncurrent loans | 67.5642% | 3,981 |
Noncurrent assets plus other real estate owned to assets | 2.2368% | 3,227 |
Noncurrent loans to loans | 2.5319% | 3,137 |
Net loans and leases to total assets | 80.6046% | 758 |
Net loans and leases to deposits | 91.8409% | 1,633 |
Net loans and leases to core deposits | 99.5353% | 2,180 |
Total domestic deposits to total assets | 87.7655% | 2,201 |
Equity capital to assets | 7.9570% | 6,704 |
Core capital (leverage) ratio | 7.9744% | 6,271 |
Tier 1 risk-based capital ratio | 11.8013% | 5,393 |
Total risk-based capital ratio | 13.0620% | 5,326 |
Memoranda: | ||
Average total assets | $191,088,500 | 3,352 |
Average earning assets | $180,171,500 | 3,250 |
Average equity | $15,516,500 | 3,915 |
Average total loans | $158,610,500 | 2,773 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.4720% | 4,315 |
Cost of funding earning assets | 2.0907% | 2,513 |
Net interest margin | 3.3813% | 5,441 |
Noninterest income to average assets | 0.3878% | 5,315 |
Noninterest expense to average assets | 2.2402% | 6,895 |
Loan and lease loss provision to assets | 1.0817% | 2,111 |
Net operating income to assets | 0.2693% | 4,649 |
Return on assets (ROA) | 0.2808% | 4,698 |
Pretax return on assets | 0.2808% | 4,815 |
Return on Equity (ROE) | 3.2504% | 4,395 |
Retained earnings to average equity (ytd only) | -3.3202% | 5,756 |
Net charge-offs to loans | 0.7999% | 2,827 |
Credit loss provision to net charge-offs | 152.6316% | 3,003 |
Earnings coverage of net charge-offs (x) | 1.9063% | 4,293 |
Efficiency ratio | 62.3797% | 6,082 |
Assets per employee ($millions) | 4.7251% | 2,577 |
Cash dividends to net income (ytd only)* | 202.1484% | 193 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6624% | 3,037 |
Loan loss allowance to noncurrent loans | 77.5786% | 3,541 |
Noncurrent assets plus other real estate owned to assets | 1.8936% | 3,540 |
Noncurrent loans to loans | 2.1429% | 3,468 |
Net loans and leases to total assets | 82.6251% | 590 |
Net loans and leases to deposits | 94.6850% | 1,505 |
Net loans and leases to core deposits | 134.0938% | 1,047 |
Total domestic deposits to total assets | 87.2631% | 2,349 |
Equity capital to assets | 8.2867% | 6,215 |
Core capital (leverage) ratio | 8.3670% | 5,508 |
Tier 1 risk-based capital ratio | 11.4219% | 5,482 |
Total risk-based capital ratio | 12.6803% | 5,433 |
Memoranda: | ||
Average total assets | $182,304,400 | 3,403 |
Average earning assets | $172,715,400 | 3,311 |
Average equity | $15,752,000 | 3,909 |
Average total loans | $161,522,000 | 2,736 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.5474% | 4,173 |
Cost of funding earning assets | 2.0883% | 2,939 |
Net interest margin | 3.4592% | 5,036 |
Noninterest income to average assets | 0.4030% | 5,256 |
Noninterest expense to average assets | 2.2823% | 6,749 |
Loan and lease loss provision to assets | 0.7219% | 2,572 |
Net operating income to assets | 0.6843% | 3,264 |
Return on assets (ROA) | 0.6998% | 3,268 |
Pretax return on assets | 0.6998% | 3,860 |
Return on Equity (ROE) | 8.0127% | 2,624 |
Retained earnings to average equity (ytd only) | 0.1521% | 5,140 |
Net charge-offs to loans | 0.4168% | 3,597 |
Credit loss provision to net charge-offs | 192.8994% | 2,344 |
Earnings coverage of net charge-offs (x) | 3.7574% | 3,395 |
Efficiency ratio | 61.8771% | 6,139 |
Assets per employee ($millions) | 4.5283% | 2,821 |
Cash dividends to net income (ytd only)* | 98.1012% | 596 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5048% | 3,409 |
Loan loss allowance to noncurrent loans | 307.7215% | 989 |
Noncurrent assets plus other real estate owned to assets | 0.5333% | 6,128 |
Noncurrent loans to loans | 0.4890% | 6,338 |
Net loans and leases to total assets | 87.8480% | 215 |
Net loans and leases to deposits | 101.4039% | 976 |
Net loans and leases to core deposits | 143.4823% | 779 |
Total domestic deposits to total assets | 86.6317% | 2,361 |
Equity capital to assets | 8.6987% | 5,952 |
Core capital (leverage) ratio | 8.6552% | 5,214 |
Tier 1 risk-based capital ratio | 11.6718% | 5,270 |
Total risk-based capital ratio | 12.9286% | 5,212 |
Memoranda: | ||
Average total assets | $180,630,000 | 3,457 |
Average earning assets | $171,558,250 | 3,352 |
Average equity | $15,774,500 | 3,955 |
Average total loans | $162,201,750 | 2,755 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.5245% | 4,482 |
Cost of funding earning assets | 2.0504% | 3,515 |
Net interest margin | 3.4741% | 4,921 |
Noninterest income to average assets | 0.4012% | 5,272 |
Noninterest expense to average assets | 2.2919% | 6,776 |
Loan and lease loss provision to assets | 0.4477% | 3,294 |
Net operating income to assets | 0.9609% | 2,242 |
Return on assets (ROA) | 0.9841% | 2,265 |
Pretax return on assets | 0.9841% | 3,070 |
Return on Equity (ROE) | 11.2543% | 1,632 |
Retained earnings to average equity (ytd only) | 2.2686% | 4,074 |
Net charge-offs to loans | 0.1859% | 4,405 |
Credit loss provision to net charge-offs | 267.5497% | 1,743 |
Earnings coverage of net charge-offs (x) | 8.4172% | 2,264 |
Efficiency ratio | 61.9347% | 6,256 |
Assets per employee ($millions) | 4.5125% | 2,755 |
Cash dividends to net income (ytd only)* | 79.8423% | 1,081 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3473% | 3,995 |
Loan loss allowance to noncurrent loans | 242.1225% | 1,272 |
Noncurrent assets plus other real estate owned to assets | 0.7861% | 5,434 |
Noncurrent loans to loans | 0.5564% | 6,153 |
Net loans and leases to total assets | 89.7762% | 147 |
Net loans and leases to deposits | 108.2862% | 637 |
Net loans and leases to core deposits | 145.7222% | 773 |
Total domestic deposits to total assets | 82.9064% | 4,290 |
Equity capital to assets | 8.7440% | 5,695 |
Core capital (leverage) ratio | 8.6237% | 5,222 |
Tier 1 risk-based capital ratio | 11.7110% | 5,186 |
Total risk-based capital ratio | 12.9658% | 5,111 |
Memoranda: | ||
Average total assets | $180,463,330 | 3,476 |
Average earning assets | $171,382,670 | 3,372 |
Average equity | $15,780,670 | 3,963 |
Average total loans | $162,419,000 | 2,773 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.4533% | 5,165 |
Cost of funding earning assets | 1.9866% | 4,199 |
Net interest margin | 3.4667% | 4,863 |
Noninterest income to average assets | 0.3768% | 5,414 |
Noninterest expense to average assets | 2.1325% | 7,049 |
Loan and lease loss provision to assets | 0.2328% | 4,125 |
Net operating income to assets | 1.3034% | 1,375 |
Return on assets (ROA) | 1.3456% | 1,366 |
Pretax return on assets | 1.3456% | 2,133 |
Return on Equity (ROE) | 15.3871% | 905 |
Retained earnings to average equity (ytd only) | 2.9912% | 4,211 |
Net charge-offs to loans | 0.0743% | 4,442 |
Credit loss provision to net charge-offs | 350.0000% | 1,433 |
Earnings coverage of net charge-offs (x) | 23.1000% | 1,289 |
Efficiency ratio | 58.1269% | 6,685 |
Assets per employee ($millions) | 4.3430% | 2,991 |
Cash dividends to net income (ytd only)* | 80.5601% | 1,050 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2429% | 4,504 |
Loan loss allowance to noncurrent loans | 222.6477% | 1,499 |
Noncurrent assets plus other real estate owned to assets | 0.7779% | 5,225 |
Noncurrent loans to loans | 0.5582% | 6,020 |
Net loans and leases to total assets | 88.6450% | 220 |
Net loans and leases to deposits | 112.7976% | 486 |
Net loans and leases to core deposits | 148.5867% | 756 |
Total domestic deposits to total assets | 78.5876% | 5,847 |
Equity capital to assets | 8.6928% | 5,777 |
Core capital (leverage) ratio | 8.7314% | 5,092 |
Tier 1 risk-based capital ratio | 11.7638% | 5,156 |
Total risk-based capital ratio | 13.0172% | 5,074 |
Memoranda: | ||
Average total assets | $180,445,000 | 3,500 |
Average earning assets | $171,346,500 | 3,401 |
Average equity | $15,779,500 | 3,989 |
Average total loans | $161,499,000 | 2,823 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.0723% | 5,191 |
Cost of funding earning assets | 2.6547% | 3,395 |
Net interest margin | 3.4176% | 5,588 |
Noninterest income to average assets | 0.4137% | 5,361 |
Noninterest expense to average assets | 2.3058% | 6,685 |
Loan and lease loss provision to assets | 0.4953% | 2,835 |
Net operating income to assets | 0.8739% | 3,114 |
Return on assets (ROA) | 0.8739% | 2,966 |
Pretax return on assets | 0.8739% | 3,816 |
Return on Equity (ROE) | 9.7851% | 2,334 |
Retained earnings to average equity (ytd only) | 1.5633% | 4,281 |
Net charge-offs to loans | 0.1354% | 4,869 |
Credit loss provision to net charge-offs | 439.7959% | 995 |
Earnings coverage of net charge-offs (x) | 12.1582% | 2,283 |
Efficiency ratio | 62.7423% | 5,824 |
Assets per employee ($millions) | 4.2497% | 3,035 |
Cash dividends to net income (ytd only)* | 84.0237% | 1,525 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2306% | 4,307 |
Loan loss allowance to noncurrent loans | 166.1017% | 2,270 |
Noncurrent assets plus other real estate owned to assets | 0.8466% | 4,732 |
Noncurrent loans to loans | 0.7409% | 5,179 |
Net loans and leases to total assets | 88.1363% | 352 |
Net loans and leases to deposits | 109.9639% | 836 |
Net loans and leases to core deposits | 141.9890% | 1,160 |
Total domestic deposits to total assets | 80.1503% | 4,961 |
Equity capital to assets | 8.7979% | 5,655 |
Core capital (leverage) ratio | 8.6815% | 5,230 |
Tier 1 risk-based capital ratio | 11.9157% | 4,895 |
Total risk-based capital ratio | 13.1689% | 4,784 |
Memoranda: | ||
Average total assets | $174,043,000 | 3,492 |
Average earning assets | $166,082,200 | 3,385 |
Average equity | $15,544,000 | 4,015 |
Average total loans | $144,745,200 | 3,012 |