Home > Bank of Anderson > Performance and Condition Ratios
Bank of Anderson, Performance and Condition Ratios
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 | 4.7038% | 3,038 |
Cost of funding earning assets | 0.8009% | 3,467 |
Net interest margin | 3.9030% | 2,905 |
Noninterest income to average assets | 0.6368% | 3,011 |
Noninterest expense to average assets | 2.7246% | 4,333 |
Loan and lease loss provision to assets | 0.4226% | 1,484 |
Net operating income to assets | 0.7570% | 3,586 |
Return on assets (ROA) | 1.2933% | 1,646 |
Pretax return on assets | 1.6511% | 1,430 |
Return on Equity (ROE) | 12.2351% | 1,605 |
Retained earnings to average equity (ytd only) | 7.7036% | 2,090 |
Net charge-offs to loans | 1.2017% | 855 |
Credit loss provision to net charge-offs | 78.5340% | 2,749 |
Earnings coverage of net charge-offs (x) | 2.5759% | 3,139 |
Efficiency ratio | 66.2783% | 4,510 |
Assets per employee ($millions) | 4.7821% | 2,537 |
Cash dividends to net income (ytd only)* | 37.0370% | 1,854 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0365% | 2,248 |
Loan loss allowance to noncurrent loans | 71.7441% | 3,968 |
Noncurrent assets plus other real estate owned to assets | 4.1527% | 1,317 |
Noncurrent loans to loans | 2.8385% | 2,275 |
Net loans and leases to total assets | 43.9491% | 6,017 |
Net loans and leases to deposits | 49.7653% | 6,158 |
Net loans and leases to core deposits | 53.9835% | 6,057 |
Total domestic deposits to total assets | 88.3127% | 2,122 |
Equity capital to assets | 10.9034% | 3,026 |
Core capital (leverage) ratio | 8.9336% | 4,937 |
Tier 1 risk-based capital ratio | 16.5719% | 2,875 |
Total risk-based capital ratio | 17.8280% | 2,834 |
Memoranda: | ||
Average total assets | $141,964,000 | 4,001 |
Average earning assets | $126,365,500 | 4,053 |
Average equity | $15,006,000 | 3,989 |
Average total loans | $63,576,000 | 4,676 |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0253% | 2,777 |
Cost of funding earning assets | 1.0843% | 2,775 |
Net interest margin | 3.9410% | 3,151 |
Noninterest income to average assets | 0.4504% | 4,209 |
Noninterest expense to average assets | 2.8761% | 4,058 |
Loan and lease loss provision to assets | 0.4285% | 2,453 |
Net operating income to assets | 0.6128% | 3,931 |
Return on assets (ROA) | 0.6273% | 4,045 |
Pretax return on assets | 0.6801% | 4,409 |
Return on Equity (ROE) | 6.5203% | 3,630 |
Retained earnings to average equity (ytd only) | 3.5844% | 3,676 |
Net charge-offs to loans | 1.2672% | 1,308 |
Credit loss provision to net charge-offs | 71.6743% | 4,788 |
Earnings coverage of net charge-offs (x) | 1.8280% | 4,409 |
Efficiency ratio | 72.4650% | 3,487 |
Assets per employee ($millions) | 5.0085% | 2,192 |
Cash dividends to net income (ytd only)* | 45.0273% | 2,322 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0143% | 2,230 |
Loan loss allowance to noncurrent loans | 70.8559% | 4,013 |
Noncurrent assets plus other real estate owned to assets | 3.9684% | 1,450 |
Noncurrent loans to loans | 2.8428% | 2,302 |
Net loans and leases to total assets | 43.8068% | 6,227 |
Net loans and leases to deposits | 49.2210% | 6,422 |
Net loans and leases to core deposits | 55.2739% | 6,206 |
Total domestic deposits to total assets | 89.0001% | 1,533 |
Equity capital to assets | 10.2522% | 3,847 |
Core capital (leverage) ratio | 8.4656% | 5,617 |
Tier 1 risk-based capital ratio | 15.4488% | 3,364 |
Total risk-based capital ratio | 16.7036% | 3,314 |
Memoranda: | ||
Average total assets | $145,858,400 | 3,879 |
Average earning assets | $130,220,400 | 3,928 |
Average equity | $14,033,000 | 4,099 |
Average total loans | $68,815,800 | 4,537 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0800% | 2,709 |
Cost of funding earning assets | 1.1289% | 2,775 |
Net interest margin | 3.9511% | 3,153 |
Noninterest income to average assets | 0.4511% | 4,284 |
Noninterest expense to average assets | 2.9120% | 3,876 |
Loan and lease loss provision to assets | 0.3881% | 2,530 |
Net operating income to assets | 0.6103% | 4,042 |
Return on assets (ROA) | 0.6292% | 4,148 |
Pretax return on assets | 0.7004% | 4,477 |
Return on Equity (ROE) | 6.6479% | 3,691 |
Retained earnings to average equity (ytd only) | 4.3130% | 3,660 |
Net charge-offs to loans | 1.1788% | 1,333 |
Credit loss provision to net charge-offs | 68.8817% | 4,519 |
Earnings coverage of net charge-offs (x) | 1.8946% | 4,243 |
Efficiency ratio | 73.1758% | 3,337 |
Assets per employee ($millions) | 5.0227% | 2,166 |
Cash dividends to net income (ytd only)* | 35.1237% | 2,256 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0528% | 2,197 |
Loan loss allowance to noncurrent loans | 64.3228% | 4,243 |
Noncurrent assets plus other real estate owned to assets | 4.2311% | 1,443 |
Noncurrent loans to loans | 3.1914% | 2,177 |
Net loans and leases to total assets | 44.6491% | 6,268 |
Net loans and leases to deposits | 50.2604% | 6,489 |
Net loans and leases to core deposits | 57.1917% | 6,208 |
Total domestic deposits to total assets | 88.8355% | 1,527 |
Equity capital to assets | 10.3462% | 3,902 |
Core capital (leverage) ratio | 8.4013% | 5,852 |
Tier 1 risk-based capital ratio | 15.1584% | 3,574 |
Total risk-based capital ratio | 16.4143% | 3,537 |
Memoranda: | ||
Average total assets | $146,011,250 | 3,893 |
Average earning assets | $130,391,250 | 3,948 |
Average equity | $13,818,500 | 4,162 |
Average total loans | $69,785,750 | 4,534 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0783% | 2,783 |
Cost of funding earning assets | 1.1723% | 2,762 |
Net interest margin | 3.9060% | 3,278 |
Noninterest income to average assets | 0.5132% | 3,759 |
Noninterest expense to average assets | 2.8920% | 4,052 |
Loan and lease loss provision to assets | 0.2737% | 3,201 |
Net operating income to assets | 0.7049% | 3,520 |
Return on assets (ROA) | 0.7049% | 3,628 |
Pretax return on assets | 0.8362% | 3,880 |
Return on Equity (ROE) | 7.6858% | 3,105 |
Retained earnings to average equity (ytd only) | 5.7755% | 2,551 |
Net charge-offs to loans | 1.0407% | 1,513 |
Credit loss provision to net charge-offs | 54.2005% | 4,482 |
Earnings coverage of net charge-offs (x) | 2.1978% | 3,738 |
Efficiency ratio | 72.2640% | 3,682 |
Assets per employee ($millions) | 4.8809% | 2,281 |
Cash dividends to net income (ytd only)* | 24.8544% | 2,686 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0213% | 2,311 |
Loan loss allowance to noncurrent loans | 51.6971% | 4,919 |
Noncurrent assets plus other real estate owned to assets | 4.1611% | 1,530 |
Noncurrent loans to loans | 3.9098% | 1,774 |
Net loans and leases to total assets | 45.8826% | 6,284 |
Net loans and leases to deposits | 51.2616% | 6,517 |
Net loans and leases to core deposits | 58.8913% | 6,199 |
Total domestic deposits to total assets | 89.5068% | 1,237 |
Equity capital to assets | 9.5856% | 4,679 |
Core capital (leverage) ratio | 8.6315% | 5,344 |
Tier 1 risk-based capital ratio | 15.1715% | 3,411 |
Total risk-based capital ratio | 16.4274% | 3,367 |
Memoranda: | ||
Average total assets | $146,129,000 | 3,917 |
Average earning assets | $130,517,000 | 3,970 |
Average equity | $13,401,330 | 4,254 |
Average total loans | $70,915,000 | 4,540 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0348% | 2,930 |
Cost of funding earning assets | 1.2203% | 2,682 |
Net interest margin | 3.8145% | 3,543 |
Noninterest income to average assets | 0.4795% | 4,051 |
Noninterest expense to average assets | 2.6497% | 5,041 |
Loan and lease loss provision to assets | 0.4110% | 2,135 |
Net operating income to assets | 0.6878% | 3,567 |
Return on assets (ROA) | 0.6878% | 3,636 |
Pretax return on assets | 0.8193% | 3,833 |
Return on Equity (ROE) | 7.6735% | 3,056 |
Retained earnings to average equity (ytd only) | 6.8175% | 2,230 |
Net charge-offs to loans | 0.7768% | 1,659 |
Credit loss provision to net charge-offs | 107.1429% | 2,486 |
Earnings coverage of net charge-offs (x) | 3.2071% | 2,818 |
Efficiency ratio | 68.2910% | 4,600 |
Assets per employee ($millions) | 5.0809% | 2,051 |
Cash dividends to net income (ytd only)* | 11.1554% | 2,360 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.2036% | 1,959 |
Loan loss allowance to noncurrent loans | 54.2461% | 4,750 |
Noncurrent assets plus other real estate owned to assets | 4.3313% | 1,513 |
Noncurrent loans to loans | 4.0623% | 1,776 |
Net loans and leases to total assets | 47.1370% | 6,174 |
Net loans and leases to deposits | 52.3545% | 6,449 |
Net loans and leases to core deposits | 60.5211% | 6,056 |
Total domestic deposits to total assets | 90.0343% | 1,134 |
Equity capital to assets | 8.9769% | 5,233 |
Core capital (leverage) ratio | 8.5040% | 5,443 |
Tier 1 risk-based capital ratio | 14.4808% | 3,753 |
Total risk-based capital ratio | 15.7382% | 3,705 |
Memoranda: | ||
Average total assets | $145,979,500 | 3,954 |
Average earning assets | $130,135,500 | 4,026 |
Average equity | $13,084,000 | 4,318 |
Average total loans | $72,087,000 | 4,542 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.4549% | 2,457 |
Cost of funding earning assets | 1.5741% | 2,221 |
Net interest margin | 3.8808% | 3,584 |
Noninterest income to average assets | 0.4776% | 4,330 |
Noninterest expense to average assets | 2.8766% | 4,323 |
Loan and lease loss provision to assets | 0.8583% | 1,900 |
Net operating income to assets | 0.2593% | 5,082 |
Return on assets (ROA) | 0.3261% | 5,002 |
Pretax return on assets | 0.2571% | 5,345 |
Return on Equity (ROE) | 3.3783% | 4,799 |
Retained earnings to average equity (ytd only) | 2.6342% | 4,018 |
Net charge-offs to loans | 1.3801% | 1,619 |
Credit loss provision to net charge-offs | 111.7867% | 3,917 |
Earnings coverage of net charge-offs (x) | 1.3658% | 4,745 |
Efficiency ratio | 73.2845% | 3,535 |
Assets per employee ($millions) | 4.8205% | 2,400 |
Cash dividends to net income (ytd only)* | 22.0264% | 3,372 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1256% | 2,014 |
Loan loss allowance to noncurrent loans | 60.3181% | 4,405 |
Noncurrent assets plus other real estate owned to assets | 4.1476% | 1,616 |
Noncurrent loans to loans | 3.5240% | 2,141 |
Net loans and leases to total assets | 49.5111% | 6,211 |
Net loans and leases to deposits | 55.0608% | 6,515 |
Net loans and leases to core deposits | 64.3711% | 6,023 |
Total domestic deposits to total assets | 89.9208% | 1,148 |
Equity capital to assets | 8.9486% | 5,213 |
Core capital (leverage) ratio | 8.3263% | 5,650 |
Tier 1 risk-based capital ratio | 14.2752% | 3,693 |
Total risk-based capital ratio | 15.5327% | 3,643 |
Memoranda: | ||
Average total assets | $139,227,000 | 4,068 |
Average earning assets | $123,686,200 | 4,158 |
Average equity | $13,438,600 | 4,272 |
Average total loans | $77,457,400 | 4,407 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.4933% | 2,450 |
Cost of funding earning assets | 1.6347% | 2,186 |
Net interest margin | 3.8586% | 3,719 |
Noninterest income to average assets | 0.4767% | 4,357 |
Noninterest expense to average assets | 2.7792% | 4,568 |
Loan and lease loss provision to assets | 0.9138% | 1,657 |
Net operating income to assets | 0.3007% | 5,162 |
Return on assets (ROA) | 0.3007% | 5,329 |
Pretax return on assets | 0.2098% | 5,707 |
Return on Equity (ROE) | 3.0573% | 5,198 |
Retained earnings to average equity (ytd only) | 2.2413% | 4,824 |
Net charge-offs to loans | 1.2971% | 1,573 |
Credit loss provision to net charge-offs | 123.6911% | 3,312 |
Earnings coverage of net charge-offs (x) | 1.5209% | 4,583 |
Efficiency ratio | 71.2091% | 3,849 |
Assets per employee ($millions) | 4.9000% | 2,319 |
Cash dividends to net income (ytd only)* | 26.6869% | 2,680 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0972% | 2,001 |
Loan loss allowance to noncurrent loans | 41.2186% | 5,543 |
Noncurrent assets plus other real estate owned to assets | 5.0762% | 1,266 |
Noncurrent loans to loans | 5.0879% | 1,352 |
Net loans and leases to total assets | 51.1289% | 6,208 |
Net loans and leases to deposits | 56.9459% | 6,548 |
Net loans and leases to core deposits | 67.0156% | 6,035 |
Total domestic deposits to total assets | 89.7851% | 977 |
Equity capital to assets | 9.3707% | 5,027 |
Core capital (leverage) ratio | 8.7332% | 5,129 |
Tier 1 risk-based capital ratio | 14.1066% | 3,759 |
Total risk-based capital ratio | 15.3640% | 3,731 |
Memoranda: | ||
Average total assets | $137,880,250 | 4,150 |
Average earning assets | $122,424,500 | 4,233 |
Average equity | $13,563,000 | 4,314 |
Average total loans | $78,533,000 | 4,447 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.6251% | 2,044 |
Cost of funding earning assets | 1.6797% | 2,226 |
Net interest margin | 3.9454% | 3,255 |
Noninterest income to average assets | 0.4539% | 4,481 |
Noninterest expense to average assets | 2.7915% | 4,524 |
Loan and lease loss provision to assets | 0.5488% | 2,584 |
Net operating income to assets | 0.5547% | 4,066 |
Return on assets (ROA) | 0.5547% | 4,208 |
Pretax return on assets | 0.6081% | 4,546 |
Return on Equity (ROE) | 5.5439% | 4,024 |
Retained earnings to average equity (ytd only) | 4.7286% | 3,065 |
Net charge-offs to loans | 0.5005% | 3,037 |
Credit loss provision to net charge-offs | 186.8687% | 2,111 |
Earnings coverage of net charge-offs (x) | 3.9394% | 3,114 |
Efficiency ratio | 70.6987% | 4,034 |
Assets per employee ($millions) | 4.6380% | 2,668 |
Cash dividends to net income (ytd only)* | 14.7059% | 3,051 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0105% | 2,145 |
Loan loss allowance to noncurrent loans | 113.0650% | 2,469 |
Noncurrent assets plus other real estate owned to assets | 3.4448% | 2,042 |
Noncurrent loans to loans | 1.7782% | 4,027 |
Net loans and leases to total assets | 56.0820% | 5,689 |
Net loans and leases to deposits | 63.0256% | 6,137 |
Net loans and leases to core deposits | 74.4126% | 5,397 |
Total domestic deposits to total assets | 88.9830% | 1,448 |
Equity capital to assets | 9.9002% | 4,137 |
Core capital (leverage) ratio | 9.2653% | 4,182 |
Tier 1 risk-based capital ratio | 14.0090% | 3,727 |
Total risk-based capital ratio | 15.2655% | 3,687 |
Memoranda: | ||
Average total assets | $134,840,000 | 4,243 |
Average earning assets | $119,429,330 | 4,328 |
Average equity | $13,492,330 | 4,327 |
Average total loans | $79,120,670 | 4,466 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.6974% | 1,790 |
Cost of funding earning assets | 1.7102% | 2,336 |
Net interest margin | 3.9871% | 2,931 |
Noninterest income to average assets | 0.5185% | 3,906 |
Noninterest expense to average assets | 2.8638% | 4,210 |
Loan and lease loss provision to assets | 0.4522% | 2,705 |
Net operating income to assets | 0.6300% | 3,758 |
Return on assets (ROA) | 0.6300% | 3,885 |
Pretax return on assets | 0.7235% | 4,154 |
Return on Equity (ROE) | 6.2617% | 3,743 |
Retained earnings to average equity (ytd only) | 5.4228% | 2,919 |
Net charge-offs to loans | 0.5579% | 2,408 |
Credit loss provision to net charge-offs | 136.3636% | 2,587 |
Earnings coverage of net charge-offs (x) | 3.5455% | 2,872 |
Efficiency ratio | 70.8955% | 4,135 |
Assets per employee ($millions) | 4.4448% | 3,052 |
Cash dividends to net income (ytd only)* | 13.3971% | 2,357 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8486% | 2,580 |
Loan loss allowance to noncurrent loans | 140.1718% | 1,998 |
Noncurrent assets plus other real estate owned to assets | 3.0733% | 2,329 |
Noncurrent loans to loans | 1.3188% | 4,779 |
Net loans and leases to total assets | 58.4938% | 5,351 |
Net loans and leases to deposits | 65.8533% | 5,839 |
Net loans and leases to core deposits | 81.9014% | 4,502 |
Total domestic deposits to total assets | 88.8244% | 1,606 |
Equity capital to assets | 10.1024% | 3,743 |
Core capital (leverage) ratio | 9.3446% | 3,983 |
Tier 1 risk-based capital ratio | 14.0530% | 3,624 |
Total risk-based capital ratio | 15.3083% | 3,583 |
Memoranda: | ||
Average total assets | $132,690,500 | 4,345 |
Average earning assets | $117,177,000 | 4,444 |
Average equity | $13,351,000 | 4,392 |
Average total loans | $78,864,500 | 4,543 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.6807% | 3,206 |
Cost of funding earning assets | 2.1425% | 2,264 |
Net interest margin | 3.5382% | 4,787 |
Noninterest income to average assets | 0.4651% | 4,681 |
Noninterest expense to average assets | 3.0832% | 3,823 |
Loan and lease loss provision to assets | 1.0233% | 2,223 |
Net operating income to assets | -0.1364% | 5,736 |
Return on assets (ROA) | -0.1354% | 5,729 |
Pretax return on assets | -0.4629% | 5,978 |
Return on Equity (ROE) | -1.3555% | 5,748 |
Retained earnings to average equity (ytd only) | -1.8173% | 5,471 |
Net charge-offs to loans | 1.8993% | 1,304 |
Credit loss provision to net charge-offs | 87.8594% | 6,072 |
Earnings coverage of net charge-offs (x) | 0.4799% | 5,628 |
Efficiency ratio | 84.6547% | 2,276 |
Assets per employee ($millions) | 4.2593% | 3,334 |
Cash dividends to net income (ytd only)* | -34.0659% | 7,769 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8259% | 2,462 |
Loan loss allowance to noncurrent loans | 84.3068% | 3,287 |
Noncurrent assets plus other real estate owned to assets | 3.8898% | 1,710 |
Noncurrent loans to loans | 2.1658% | 3,436 |
Net loans and leases to total assets | 58.1905% | 5,634 |
Net loans and leases to deposits | 66.2342% | 6,019 |
Net loans and leases to core deposits | 86.5081% | 5,471 |
Total domestic deposits to total assets | 87.8557% | 2,041 |
Equity capital to assets | 10.0207% | 3,726 |
Core capital (leverage) ratio | 9.0127% | 4,395 |
Tier 1 risk-based capital ratio | 13.9021% | 3,563 |
Total risk-based capital ratio | 15.1576% | 3,510 |
Memoranda: | ||
Average total assets | $134,372,400 | 4,255 |
Average earning assets | $120,655,000 | 4,297 |
Average equity | $13,426,600 | 4,397 |
Average total loans | $82,398,200 | 4,433 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.6461% | 3,595 |
Cost of funding earning assets | 2.2385% | 2,239 |
Net interest margin | 3.4076% | 5,231 |
Noninterest income to average assets | 0.5226% | 4,298 |
Noninterest expense to average assets | 2.9352% | 4,295 |
Loan and lease loss provision to assets | 0.9139% | 2,102 |
Net operating income to assets | 0.0037% | 5,701 |
Return on assets (ROA) | 0.0049% | 5,755 |
Pretax return on assets | -0.2490% | 6,040 |
Return on Equity (ROE) | 0.0495% | 5,759 |
Retained earnings to average equity (ytd only) | -0.2870% | 5,284 |
Net charge-offs to loans | 2.0999% | 927 |
Credit loss provision to net charge-offs | 70.3957% | 5,979 |
Earnings coverage of net charge-offs (x) | 0.5107% | 5,516 |
Efficiency ratio | 81.5761% | 2,638 |
Assets per employee ($millions) | 4.6868% | 2,581 |
Cash dividends to net income (ytd only)* | 679.6102% | 49 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5098% | 3,383 |
Loan loss allowance to noncurrent loans | 34.8442% | 6,089 |
Noncurrent assets plus other real estate owned to assets | 4.0819% | 1,556 |
Noncurrent loans to loans | 4.3329% | 1,647 |
Net loans and leases to total assets | 59.0357% | 5,736 |
Net loans and leases to deposits | 72.0168% | 5,650 |
Net loans and leases to core deposits | 91.5918% | 5,269 |
Total domestic deposits to total assets | 81.9749% | 4,687 |
Equity capital to assets | 10.1717% | 3,880 |
Core capital (leverage) ratio | 9.6613% | 3,702 |
Tier 1 risk-based capital ratio | 14.4174% | 3,323 |
Total risk-based capital ratio | 15.6692% | 3,265 |
Memoranda: | ||
Average total assets | $134,956,250 | 4,254 |
Average earning assets | $121,803,250 | 4,303 |
Average equity | $13,475,500 | 4,420 |
Average total loans | $83,432,250 | 4,436 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.7723% | 3,185 |
Cost of funding earning assets | 2.3873% | 2,017 |
Net interest margin | 3.3850% | 5,237 |
Noninterest income to average assets | 0.5452% | 4,069 |
Noninterest expense to average assets | 2.8700% | 4,639 |
Loan and lease loss provision to assets | 0.3342% | 3,934 |
Net operating income to assets | 0.4159% | 4,441 |
Return on assets (ROA) | 0.4204% | 4,530 |
Pretax return on assets | 0.3996% | 4,935 |
Return on Equity (ROE) | 4.2368% | 4,402 |
Retained earnings to average equity (ytd only) | 4.1470% | 2,985 |
Net charge-offs to loans | 0.6731% | 2,356 |
Credit loss provision to net charge-offs | 79.5053% | 5,214 |
Earnings coverage of net charge-offs (x) | 1.7350% | 4,251 |
Efficiency ratio | 79.7359% | 3,091 |
Assets per employee ($millions) | 4.3790% | 2,969 |
Cash dividends to net income (ytd only)* | 2.1201% | 3,510 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8896% | 1,821 |
Loan loss allowance to noncurrent loans | 39.0250% | 5,801 |
Noncurrent assets plus other real estate owned to assets | 3.3508% | 1,863 |
Noncurrent loans to loans | 4.8421% | 1,288 |
Net loans and leases to total assets | 61.6945% | 5,406 |
Net loans and leases to deposits | 69.9763% | 5,989 |
Net loans and leases to core deposits | 86.8607% | 5,822 |
Total domestic deposits to total assets | 88.1647% | 1,689 |
Equity capital to assets | 10.2451% | 3,675 |
Core capital (leverage) ratio | 9.8385% | 3,466 |
Tier 1 risk-based capital ratio | 14.7228% | 3,134 |
Total risk-based capital ratio | 15.9792% | 3,069 |
Memoranda: | ||
Average total assets | $134,636,330 | 4,291 |
Average earning assets | $121,476,330 | 4,330 |
Average equity | $13,359,000 | 4,453 |
Average total loans | $84,086,670 | 4,461 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.8727% | 2,924 |
Cost of funding earning assets | 2.4486% | 2,109 |
Net interest margin | 3.4241% | 5,035 |
Noninterest income to average assets | 0.5900% | 3,625 |
Noninterest expense to average assets | 2.9148% | 4,107 |
Loan and lease loss provision to assets | 0.2202% | 4,249 |
Net operating income to assets | 0.5049% | 4,396 |
Return on assets (ROA) | 0.5049% | 4,585 |
Pretax return on assets | 0.5254% | 5,001 |
Return on Equity (ROE) | 5.1694% | 4,395 |
Retained earnings to average equity (ytd only) | 5.1694% | 3,029 |
Net charge-offs to loans | 0.3159% | 2,839 |
Credit loss provision to net charge-offs | 111.9403% | 3,459 |
Earnings coverage of net charge-offs (x) | 3.7910% | 3,065 |
Efficiency ratio | 79.6311% | 2,878 |
Assets per employee ($millions) | 4.5583% | 2,632 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9282% | 1,561 |
Loan loss allowance to noncurrent loans | 51.9808% | 5,086 |
Noncurrent assets plus other real estate owned to assets | 2.5726% | 2,227 |
Noncurrent loans to loans | 3.7094% | 1,677 |
Net loans and leases to total assets | 60.5153% | 5,570 |
Net loans and leases to deposits | 73.0371% | 5,608 |
Net loans and leases to core deposits | 92.4244% | 5,313 |
Total domestic deposits to total assets | 82.8555% | 4,215 |
Equity capital to assets | 9.8385% | 4,197 |
Core capital (leverage) ratio | 9.5103% | 3,969 |
Tier 1 risk-based capital ratio | 14.3720% | 3,377 |
Total risk-based capital ratio | 15.6284% | 3,297 |
Memoranda: | ||
Average total assets | $136,269,500 | 4,281 |
Average earning assets | $122,193,500 | 4,326 |
Average equity | $13,309,000 | 4,501 |
Average total loans | $84,825,500 | 4,467 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.9655% | 5,726 |
Cost of funding earning assets | 3.0369% | 1,723 |
Net interest margin | 2.9286% | 7,085 |
Noninterest income to average assets | 0.4476% | 5,058 |
Noninterest expense to average assets | 3.0300% | 3,971 |
Loan and lease loss provision to assets | 1.5223% | 880 |
Net operating income to assets | -0.7920% | 7,131 |
Return on assets (ROA) | -1.2324% | 7,298 |
Pretax return on assets | -2.1048% | 7,471 |
Return on Equity (ROE) | -14.1144% | 7,547 |
Retained earnings to average equity (ytd only) | -16.9246% | 7,564 |
Net charge-offs to loans | 1.8799% | 585 |
Credit loss provision to net charge-offs | 123.6589% | 4,336 |
Earnings coverage of net charge-offs (x) | 0.0858% | 6,193 |
Efficiency ratio | 96.6305% | 1,116 |
Assets per employee ($millions) | 3.8797% | 3,782 |
Cash dividends to net income (ytd only)* | -19.9098% | 7,938 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8987% | 1,418 |
Loan loss allowance to noncurrent loans | 41.5128% | 5,957 |
Noncurrent assets plus other real estate owned to assets | 3.8957% | 1,075 |
Noncurrent loans to loans | 4.5737% | 1,037 |
Net loans and leases to total assets | 61.6032% | 5,683 |
Net loans and leases to deposits | 74.5088% | 5,787 |
Net loans and leases to core deposits | 92.1652% | 5,619 |
Total domestic deposits to total assets | 82.6791% | 3,903 |
Equity capital to assets | 9.6944% | 4,429 |
Core capital (leverage) ratio | 9.5834% | 3,904 |
Tier 1 risk-based capital ratio | 14.0160% | 3,543 |
Total risk-based capital ratio | 15.2720% | 3,455 |
Memoranda: | ||
Average total assets | $143,862,400 | 4,011 |
Average earning assets | $132,043,000 | 4,010 |
Average equity | $12,561,600 | 4,687 |
Average total loans | $94,207,000 | 4,100 |