Home > CenterPointe Community Bank > Performance and Condition Ratios
CenterPointe Community 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 | 4.3136% | 2,079 |
Cost of funding earning assets | 0.1009% | 5,594 |
Net interest margin | 4.2127% | 1,053 |
Noninterest income to average assets | 0.4255% | 3,522 |
Noninterest expense to average assets | 3.3671% | 1,239 |
Loan and lease loss provision to assets | 0.0631% | 2,711 |
Net operating income to assets | 0.6008% | 4,302 |
Return on assets (ROA) | 0.5839% | 4,428 |
Pretax return on assets | 0.9507% | 3,758 |
Return on Equity (ROE) | 6.1981% | 3,959 |
Retained earnings to average equity (ytd only) | 6.1981% | 2,020 |
Net charge-offs to loans | 0.0194% | 2,857 |
Credit loss provision to net charge-offs | 477.7778% | 688 |
Earnings coverage of net charge-offs (x) | 78.7778% | 778 |
Efficiency ratio | 76.3981% | 1,657 |
Assets per employee ($millions) | 5.8887% | 1,543 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0039% | 4,124 |
Loan loss allowance to noncurrent loans | 128.5526% | 3,087 |
Noncurrent assets plus other real estate owned to assets | 0.5378% | 2,976 |
Noncurrent loans to loans | 0.7809% | 2,453 |
Net loans and leases to total assets | 68.1684% | 2,790 |
Net loans and leases to deposits | 75.5047% | 3,405 |
Net loans and leases to core deposits | 79.0568% | 3,501 |
Total domestic deposits to total assets | 90.2836% | 430 |
Equity capital to assets | 9.3159% | 4,602 |
Core capital (leverage) ratio | 9.6459% | 3,964 |
Tier 1 risk-based capital ratio | 12.6401% | 4,219 |
Total risk-based capital ratio | 13.5838% | 4,291 |
Memoranda: | ||
Average total assets | $136,317,670 | 3,721 |
Average earning assets | $128,848,330 | 3,656 |
Average equity | $12,842,670 | 4,059 |
Average total loans | $92,914,330 | 3,516 |
2017-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3617% | 1,776 |
Cost of funding earning assets | 0.1041% | 5,636 |
Net interest margin | 4.2577% | 874 |
Noninterest income to average assets | 0.4185% | 3,532 |
Noninterest expense to average assets | 3.4317% | 1,141 |
Loan and lease loss provision to assets | 0.0598% | 2,606 |
Net operating income to assets | 0.6038% | 4,144 |
Return on assets (ROA) | 0.6038% | 4,197 |
Pretax return on assets | 0.9625% | 3,533 |
Return on Equity (ROE) | 6.3717% | 3,729 |
Retained earnings to average equity (ytd only) | 6.3717% | 2,149 |
Net charge-offs to loans | 0.0000% | 2,943 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 77.0470% | 1,749 |
Assets per employee ($millions) | 5.0567% | 2,366 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0457% | 4,000 |
Loan loss allowance to noncurrent loans | 123.9382% | 3,209 |
Noncurrent assets plus other real estate owned to assets | 0.5691% | 2,952 |
Noncurrent loans to loans | 0.8438% | 2,348 |
Net loans and leases to total assets | 66.7426% | 2,853 |
Net loans and leases to deposits | 73.8249% | 3,423 |
Net loans and leases to core deposits | 77.2593% | 3,539 |
Total domestic deposits to total assets | 90.4066% | 507 |
Equity capital to assets | 9.3788% | 4,416 |
Core capital (leverage) ratio | 9.5826% | 4,025 |
Tier 1 risk-based capital ratio | 12.9261% | 4,127 |
Total risk-based capital ratio | 13.8940% | 4,202 |
Memoranda: | ||
Average total assets | $133,812,500 | 3,781 |
Average earning assets | $126,830,000 | 3,723 |
Average equity | $12,681,000 | 4,109 |
Average total loans | $90,712,500 | 3,584 |
2016-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3206% | 2,074 |
Cost of funding earning assets | 0.1074% | 5,670 |
Net interest margin | 4.2132% | 1,085 |
Noninterest income to average assets | 0.3577% | 4,180 |
Noninterest expense to average assets | 3.1514% | 1,892 |
Loan and lease loss provision to assets | 0.0408% | 3,565 |
Net operating income to assets | 0.6915% | 3,822 |
Return on assets (ROA) | 0.7389% | 3,709 |
Pretax return on assets | 1.1843% | 2,744 |
Return on Equity (ROE) | 8.0058% | 2,930 |
Retained earnings to average equity (ytd only) | 8.0058% | 853 |
Net charge-offs to loans | 0.0000% | 4,281 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 73.2466% | 2,382 |
Assets per employee ($millions) | 4.8553% | 2,565 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0556% | 3,975 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
Noncurrent loans to loans | 0.0000% | 5,326 |
Net loans and leases to total assets | 67.4285% | 2,866 |
Net loans and leases to deposits | 75.2225% | 3,390 |
Net loans and leases to core deposits | 78.7608% | 3,502 |
Total domestic deposits to total assets | 89.6387% | 802 |
Equity capital to assets | 9.5787% | 4,190 |
Core capital (leverage) ratio | 9.4938% | 4,092 |
Tier 1 risk-based capital ratio | 13.3324% | 3,874 |
Total risk-based capital ratio | 14.3285% | 3,928 |
Memoranda: | ||
Average total assets | $132,225,600 | 3,795 |
Average earning assets | $123,802,000 | 3,754 |
Average equity | $12,203,600 | 4,221 |
Average total loans | $87,588,400 | 3,626 |
2016-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3215% | 2,100 |
Cost of funding earning assets | 0.1088% | 5,725 |
Net interest margin | 4.2127% | 1,095 |
Noninterest income to average assets | 0.3552% | 4,247 |
Noninterest expense to average assets | 3.1393% | 1,932 |
Loan and lease loss provision to assets | 0.0755% | 2,713 |
Net operating income to assets | 0.6644% | 4,024 |
Return on assets (ROA) | 0.7275% | 3,839 |
Pretax return on assets | 1.1742% | 2,943 |
Return on Equity (ROE) | 7.9567% | 3,031 |
Retained earnings to average equity (ytd only) | 7.9567% | 1,190 |
Net charge-offs to loans | 0.0000% | 3,952 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 73.1707% | 2,412 |
Assets per employee ($millions) | 5.1259% | 2,224 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0806% | 3,941 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
Noncurrent loans to loans | 0.0000% | 5,428 |
Net loans and leases to total assets | 66.2115% | 3,086 |
Net loans and leases to deposits | 73.9386% | 3,604 |
Net loans and leases to core deposits | 77.1764% | 3,734 |
Total domestic deposits to total assets | 89.5493% | 651 |
Equity capital to assets | 9.4670% | 4,692 |
Core capital (leverage) ratio | 9.5474% | 4,119 |
Tier 1 risk-based capital ratio | 13.0703% | 4,121 |
Total risk-based capital ratio | 14.0839% | 4,174 |
Memoranda: | ||
Average total assets | $132,508,750 | 3,816 |
Average earning assets | $123,781,500 | 3,781 |
Average equity | $12,115,250 | 4,269 |
Average total loans | $87,151,250 | 3,654 |
2016-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1841% | 2,562 |
Cost of funding earning assets | 0.1082% | 5,823 |
Net interest margin | 4.0760% | 1,429 |
Noninterest income to average assets | 0.3524% | 4,257 |
Noninterest expense to average assets | 3.1349% | 1,962 |
Loan and lease loss provision to assets | 0.0756% | 2,622 |
Net operating income to assets | 0.6033% | 4,250 |
Return on assets (ROA) | 0.6729% | 4,079 |
Pretax return on assets | 1.0692% | 3,328 |
Return on Equity (ROE) | 7.4489% | 3,293 |
Retained earnings to average equity (ytd only) | 7.4489% | 1,409 |
Net charge-offs to loans | 0.0000% | 3,689 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 75.1632% | 2,200 |
Assets per employee ($millions) | 5.0320% | 2,267 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0466% | 4,247 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
Noncurrent loans to loans | 0.0000% | 5,521 |
Net loans and leases to total assets | 67.8550% | 2,799 |
Net loans and leases to deposits | 75.7274% | 3,413 |
Net loans and leases to core deposits | 79.1915% | 3,532 |
Total domestic deposits to total assets | 89.6042% | 637 |
Equity capital to assets | 9.4610% | 4,808 |
Core capital (leverage) ratio | 9.2685% | 4,499 |
Tier 1 risk-based capital ratio | 12.7933% | 4,319 |
Total risk-based capital ratio | 13.7849% | 4,410 |
Memoranda: | ||
Average total assets | $132,254,000 | 3,843 |
Average earning assets | $123,897,000 | 3,805 |
Average equity | $11,948,000 | 4,327 |
Average total loans | $86,466,330 | 3,680 |
2016-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0880% | 2,888 |
Cost of funding earning assets | 0.1092% | 5,870 |
Net interest margin | 3.9788% | 1,677 |
Noninterest income to average assets | 0.3339% | 4,344 |
Noninterest expense to average assets | 3.1617% | 1,926 |
Loan and lease loss provision to assets | 0.0150% | 3,492 |
Net operating income to assets | 0.5473% | 4,436 |
Return on assets (ROA) | 0.5896% | 4,346 |
Pretax return on assets | 0.9506% | 3,658 |
Return on Equity (ROE) | 6.6820% | 3,621 |
Retained earnings to average equity (ytd only) | 6.6820% | 2,040 |
Net charge-offs to loans | 0.0000% | 3,094 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 77.8519% | 1,914 |
Assets per employee ($millions) | 5.4512% | 1,868 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0516% | 4,328 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
Noncurrent loans to loans | 0.0000% | 5,543 |
Net loans and leases to total assets | 61.7239% | 3,561 |
Net loans and leases to deposits | 67.7377% | 4,086 |
Net loans and leases to core deposits | 70.5297% | 4,199 |
Total domestic deposits to total assets | 91.1220% | 236 |
Equity capital to assets | 8.7510% | 5,380 |
Core capital (leverage) ratio | 9.0118% | 4,840 |
Tier 1 risk-based capital ratio | 12.5511% | 4,543 |
Total risk-based capital ratio | 13.5035% | 4,649 |
Memoranda: | ||
Average total assets | $132,965,000 | 3,862 |
Average earning assets | $124,559,500 | 3,817 |
Average equity | $11,733,000 | 4,375 |
Average total loans | $84,842,000 | 3,727 |
2015-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1707% | 2,658 |
Cost of funding earning assets | 0.1134% | 5,909 |
Net interest margin | 4.0573% | 1,544 |
Noninterest income to average assets | 0.3193% | 4,610 |
Noninterest expense to average assets | 3.0007% | 2,541 |
Loan and lease loss provision to assets | 0.0634% | 3,028 |
Net operating income to assets | 0.6527% | 4,024 |
Return on assets (ROA) | 0.6680% | 4,047 |
Pretax return on assets | 1.0685% | 3,195 |
Return on Equity (ROE) | 7.7267% | 3,120 |
Retained earnings to average equity (ytd only) | 7.7267% | 1,006 |
Net charge-offs to loans | 0.0225% | 3,813 |
Credit loss provision to net charge-offs | 455.5556% | 676 |
Earnings coverage of net charge-offs (x) | 79.6111% | 703 |
Efficiency ratio | 73.0335% | 2,740 |
Assets per employee ($millions) | 5.4020% | 1,901 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0499% | 4,317 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
Noncurrent loans to loans | 0.0000% | 5,583 |
Net loans and leases to total assets | 64.6229% | 3,179 |
Net loans and leases to deposits | 70.9893% | 3,812 |
Net loans and leases to core deposits | 73.9342% | 3,948 |
Total domestic deposits to total assets | 91.0319% | 270 |
Equity capital to assets | 8.9010% | 5,222 |
Core capital (leverage) ratio | 9.1428% | 4,697 |
Tier 1 risk-based capital ratio | 12.2519% | 4,795 |
Total risk-based capital ratio | 13.2043% | 4,882 |
Memoranda: | ||
Average total assets | $129,336,800 | 3,897 |
Average earning assets | $120,794,600 | 3,866 |
Average equity | $11,182,000 | 4,441 |
Average total loans | $80,045,800 | 3,826 |
2015-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1283% | 2,814 |
Cost of funding earning assets | 0.1140% | 6,003 |
Net interest margin | 4.0143% | 1,653 |
Noninterest income to average assets | 0.3167% | 4,675 |
Noninterest expense to average assets | 2.9934% | 2,549 |
Loan and lease loss provision to assets | 0.0639% | 2,908 |
Net operating income to assets | 0.6197% | 4,288 |
Return on assets (ROA) | 0.6395% | 4,300 |
Pretax return on assets | 1.0325% | 3,494 |
Return on Equity (ROE) | 7.4523% | 3,372 |
Retained earnings to average equity (ytd only) | 7.4523% | 1,476 |
Net charge-offs to loans | 0.0321% | 3,279 |
Credit loss provision to net charge-offs | 326.3158% | 896 |
Earnings coverage of net charge-offs (x) | 54.3743% | 990 |
Efficiency ratio | 73.7484% | 2,601 |
Assets per employee ($millions) | 5.1948% | 2,072 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0305% | 4,582 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
Noncurrent loans to loans | 0.0000% | 5,684 |
Net loans and leases to total assets | 66.8624% | 2,869 |
Net loans and leases to deposits | 74.2231% | 3,525 |
Net loans and leases to core deposits | 77.3513% | 3,664 |
Total domestic deposits to total assets | 90.0829% | 542 |
Equity capital to assets | 9.2080% | 5,104 |
Core capital (leverage) ratio | 8.3044% | 5,715 |
Tier 1 risk-based capital ratio | 12.2223% | 4,944 |
Total risk-based capital ratio | 13.1844% | 5,037 |
Memoranda: | ||
Average total assets | $129,258,750 | 3,939 |
Average earning assets | $120,498,750 | 3,912 |
Average equity | $11,092,500 | 4,512 |
Average total loans | $78,889,250 | 3,898 |
2015-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0121% | 3,236 |
Cost of funding earning assets | 0.1086% | 6,098 |
Net interest margin | 3.9035% | 1,964 |
Noninterest income to average assets | 0.3104% | 4,738 |
Noninterest expense to average assets | 2.8994% | 2,898 |
Loan and lease loss provision to assets | 0.0642% | 2,835 |
Net operating income to assets | 0.5952% | 4,371 |
Return on assets (ROA) | 0.6147% | 4,392 |
Pretax return on assets | 1.0062% | 3,565 |
Return on Equity (ROE) | 7.3335% | 3,419 |
Retained earnings to average equity (ytd only) | 7.3335% | 1,554 |
Net charge-offs to loans | 0.0156% | 3,398 |
Credit loss provision to net charge-offs | 700.0000% | 483 |
Earnings coverage of net charge-offs (x) | 113.3333% | 554 |
Efficiency ratio | 73.6025% | 2,734 |
Assets per employee ($millions) | 5.2632% | 1,970 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0672% | 4,504 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
Noncurrent loans to loans | 0.0000% | 5,787 |
Net loans and leases to total assets | 60.6577% | 3,731 |
Net loans and leases to deposits | 66.3023% | 4,310 |
Net loans and leases to core deposits | 68.7720% | 4,431 |
Total domestic deposits to total assets | 91.4866% | 184 |
Equity capital to assets | 8.4100% | 5,750 |
Core capital (leverage) ratio | 8.2620% | 5,740 |
Tier 1 risk-based capital ratio | 12.8194% | 4,612 |
Total risk-based capital ratio | 13.8489% | 4,665 |
Memoranda: | ||
Average total assets | $130,787,000 | 3,949 |
Average earning assets | $121,581,670 | 3,918 |
Average equity | $10,963,330 | 4,568 |
Average total loans | $77,109,670 | 3,974 |
2015-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0822% | 2,907 |
Cost of funding earning assets | 0.1021% | 6,199 |
Net interest margin | 3.9801% | 1,623 |
Noninterest income to average assets | 0.3037% | 4,755 |
Noninterest expense to average assets | 2.8407% | 3,102 |
Loan and lease loss provision to assets | 0.0890% | 2,209 |
Net operating income to assets | 0.6350% | 4,117 |
Return on assets (ROA) | 0.6350% | 4,239 |
Pretax return on assets | 1.0798% | 3,165 |
Return on Equity (ROE) | 7.5880% | 3,173 |
Retained earnings to average equity (ytd only) | 7.5880% | 1,727 |
Net charge-offs to loans | 0.0425% | 2,384 |
Credit loss provision to net charge-offs | 362.5000% | 714 |
Earnings coverage of net charge-offs (x) | 47.6250% | 863 |
Efficiency ratio | 70.8493% | 3,345 |
Assets per employee ($millions) | 5.1270% | 2,193 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1072% | 4,475 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
Noncurrent loans to loans | 0.0000% | 5,830 |
Net loans and leases to total assets | 58.9533% | 3,803 |
Net loans and leases to deposits | 64.5984% | 4,304 |
Net loans and leases to core deposits | 64.8279% | 4,622 |
Total domestic deposits to total assets | 91.2612% | 283 |
Equity capital to assets | 8.6623% | 5,605 |
Core capital (leverage) ratio | 8.0979% | 5,883 |
Tier 1 risk-based capital ratio | 12.4467% | 4,946 |
Total risk-based capital ratio | 13.4406% | 5,025 |
Memoranda: | ||
Average total assets | $130,390,000 | 3,984 |
Average earning assets | $121,405,500 | 3,946 |
Average equity | $10,912,000 | 4,613 |
Average total loans | $75,327,000 | 4,039 |
2014-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8764% | 4,215 |
Cost of funding earning assets | 0.1216% | 6,238 |
Net interest margin | 3.7548% | 2,797 |
Noninterest income to average assets | 0.2921% | 5,031 |
Noninterest expense to average assets | 2.8997% | 3,151 |
Loan and lease loss provision to assets | 0.0788% | 2,908 |
Net operating income to assets | 0.4844% | 4,873 |
Return on assets (ROA) | 0.4844% | 4,962 |
Pretax return on assets | 0.7925% | 4,287 |
Return on Equity (ROE) | 5.8511% | 4,227 |
Retained earnings to average equity (ytd only) | 5.8511% | 2,022 |
Net charge-offs to loans | -0.0058% | 5,480 |
Credit loss provision to net charge-offs | -2,450.0000% | 5,997 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 76.8935% | 2,371 |
Assets per employee ($millions) | 5.3042% | 1,956 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1112% | 4,489 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
Noncurrent loans to loans | 0.0000% | 5,950 |
Net loans and leases to total assets | 55.3671% | 4,402 |
Net loans and leases to deposits | 60.2754% | 4,884 |
Net loans and leases to core deposits | 60.4809% | 5,104 |
Total domestic deposits to total assets | 91.8570% | 165 |
Equity capital to assets | 8.0850% | 6,017 |
Core capital (leverage) ratio | 7.7343% | 6,119 |
Tier 1 risk-based capital ratio | 12.7151% | 4,911 |
Total risk-based capital ratio | 13.7134% | 4,976 |
Memoranda: | ||
Average total assets | $124,287,800 | 4,097 |
Average earning assets | $115,159,000 | 4,067 |
Average equity | $10,288,600 | 4,692 |
Average total loans | $69,210,800 | 4,215 |
2014-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7803% | 4,618 |
Cost of funding earning assets | 0.1274% | 6,297 |
Net interest margin | 3.6529% | 3,213 |
Noninterest income to average assets | 0.2880% | 5,140 |
Noninterest expense to average assets | 2.9293% | 3,027 |
Loan and lease loss provision to assets | 0.0600% | 3,159 |
Net operating income to assets | 0.4124% | 5,202 |
Return on assets (ROA) | 0.4124% | 5,279 |
Pretax return on assets | 0.6775% | 4,775 |
Return on Equity (ROE) | 4.9505% | 4,738 |
Retained earnings to average equity (ytd only) | 4.9505% | 3,111 |
Net charge-offs to loans | -0.0078% | 5,378 |
Credit loss provision to net charge-offs | -1,375.0000% | 5,922 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 79.8869% | 1,936 |
Assets per employee ($millions) | 5.5415% | 1,690 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0555% | 4,962 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
Noncurrent loans to loans | 0.0000% | 6,061 |
Net loans and leases to total assets | 55.2584% | 4,427 |
Net loans and leases to deposits | 60.0921% | 4,931 |
Net loans and leases to core deposits | 61.2372% | 5,094 |
Total domestic deposits to total assets | 91.9562% | 163 |
Equity capital to assets | 7.8152% | 6,207 |
Core capital (leverage) ratio | 7.7806% | 6,175 |
Tier 1 risk-based capital ratio | 12.2506% | 5,332 |
Total risk-based capital ratio | 13.2004% | 5,435 |
Memoranda: | ||
Average total assets | $122,208,750 | 4,174 |
Average earning assets | $113,040,500 | 4,147 |
Average equity | $10,180,500 | 4,747 |
Average total loans | $67,952,500 | 4,279 |
2014-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7537% | 4,677 |
Cost of funding earning assets | 0.1388% | 6,319 |
Net interest margin | 3.6149% | 3,301 |
Noninterest income to average assets | 0.2833% | 5,156 |
Noninterest expense to average assets | 2.9542% | 2,990 |
Loan and lease loss provision to assets | 0.0540% | 3,223 |
Net operating income to assets | 0.3895% | 5,265 |
Return on assets (ROA) | 0.3895% | 5,333 |
Pretax return on assets | 0.6121% | 4,917 |
Return on Equity (ROE) | 4.5700% | 4,880 |
Retained earnings to average equity (ytd only) | 4.5700% | 3,258 |
Net charge-offs to loans | -0.0121% | 5,375 |
Credit loss provision to net charge-offs | -800.0000% | 5,680 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 81.6022% | 1,793 |
Assets per employee ($millions) | 5.4226% | 1,767 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0796% | 4,986 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
Noncurrent loans to loans | 0.0000% | 6,120 |
Net loans and leases to total assets | 55.8327% | 4,311 |
Net loans and leases to deposits | 60.9030% | 4,791 |
Net loans and leases to core deposits | 62.2038% | 4,955 |
Total domestic deposits to total assets | 91.6749% | 223 |
Equity capital to assets | 8.2401% | 6,002 |
Core capital (leverage) ratio | 8.0058% | 6,097 |
Tier 1 risk-based capital ratio | 13.1087% | 4,843 |
Total risk-based capital ratio | 14.1259% | 4,930 |
Memoranda: | ||
Average total assets | $118,612,670 | 4,272 |
Average earning assets | $109,492,330 | 4,256 |
Average equity | $10,109,330 | 4,779 |
Average total loans | $65,844,670 | 4,360 |
2014-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7290% | 4,747 |
Cost of funding earning assets | 0.1657% | 6,257 |
Net interest margin | 3.5633% | 3,415 |
Noninterest income to average assets | 0.2561% | 5,306 |
Noninterest expense to average assets | 3.0322% | 2,760 |
Loan and lease loss provision to assets | 0.0208% | 3,556 |
Net operating income to assets | 0.3115% | 5,450 |
Return on assets (ROA) | 0.3115% | 5,500 |
Pretax return on assets | 0.4777% | 5,235 |
Return on Equity (ROE) | 3.5908% | 5,219 |
Retained earnings to average equity (ytd only) | 3.5908% | 3,976 |
Net charge-offs to loans | -0.0252% | 5,468 |
Credit loss provision to net charge-offs | -150.0000% | 4,912 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 85.8824% | 1,469 |
Assets per employee ($millions) | 5.1948% | 2,018 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1424% | 4,910 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
Noncurrent loans to loans | 0.0000% | 6,210 |
Net loans and leases to total assets | 53.1616% | 4,531 |
Net loans and leases to deposits | 58.1241% | 4,926 |
Net loans and leases to core deposits | 58.3108% | 5,179 |
Total domestic deposits to total assets | 91.4622% | 390 |
Equity capital to assets | 8.4482% | 5,696 |
Core capital (leverage) ratio | 8.1381% | 6,005 |
Tier 1 risk-based capital ratio | 13.6931% | 4,543 |
Total risk-based capital ratio | 14.7740% | 4,605 |
Memoranda: | ||
Average total assets | $115,559,500 | 4,377 |
Average earning assets | $106,193,500 | 4,356 |
Average equity | $10,025,500 | 4,813 |
Average total loans | $63,570,000 | 4,475 |
2013-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3393% | 2,811 |
Cost of funding earning assets | 0.2033% | 6,272 |
Net interest margin | 4.1359% | 1,555 |
Noninterest income to average assets | 0.3225% | 5,028 |
Noninterest expense to average assets | 3.3563% | 1,983 |
Loan and lease loss provision to assets | 0.0261% | 4,605 |
Net operating income to assets | 0.5332% | 4,582 |
Return on assets (ROA) | 0.5755% | 4,494 |
Pretax return on assets | 0.7889% | 4,187 |
Return on Equity (ROE) | 6.1626% | 3,993 |
Retained earnings to average equity (ytd only) | 6.1626% | 1,877 |
Net charge-offs to loans | -0.0065% | 5,957 |
Credit loss provision to net charge-offs | -675.0000% | 6,183 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 81.5962% | 1,930 |
Assets per employee ($millions) | 5.0745% | 2,101 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1513% | 4,907 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
Noncurrent loans to loans | 0.0000% | 6,319 |
Net loans and leases to total assets | 55.6835% | 4,362 |
Net loans and leases to deposits | 61.2194% | 4,805 |
Net loans and leases to core deposits | 61.2194% | 5,132 |
Total domestic deposits to total assets | 90.9574% | 588 |
Equity capital to assets | 8.9190% | 5,131 |
Core capital (leverage) ratio | 8.5819% | 5,565 |
Tier 1 risk-based capital ratio | 13.9617% | 4,319 |
Total risk-based capital ratio | 15.0758% | 4,368 |
Memoranda: | ||
Average total assets | $103,566,800 | 4,659 |
Average earning assets | $94,924,000 | 4,652 |
Average equity | $9,671,200 | 4,928 |
Average total loans | $61,840,000 | 4,553 |
2013-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4205% | 2,523 |
Cost of funding earning assets | 0.2104% | 6,352 |
Net interest margin | 4.2102% | 1,301 |
Noninterest income to average assets | 0.3309% | 5,038 |
Noninterest expense to average assets | 3.2955% | 2,092 |
Loan and lease loss provision to assets | 0.0355% | 4,309 |
Net operating income to assets | 0.6615% | 4,060 |
Return on assets (ROA) | 0.7221% | 3,871 |
Pretax return on assets | 0.9414% | 3,719 |
Return on Equity (ROE) | 7.6389% | 3,316 |
Retained earnings to average equity (ytd only) | 7.6389% | 1,572 |
Net charge-offs to loans | -0.0043% | 5,766 |
Credit loss provision to net charge-offs | -1,350.0000% | 6,233 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 78.5848% | 2,327 |
Assets per employee ($millions) | 4.8480% | 2,370 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1583% | 5,077 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
Noncurrent loans to loans | 0.0000% | 6,405 |
Net loans and leases to total assets | 57.7655% | 4,049 |
Net loans and leases to deposits | 63.9437% | 4,526 |
Net loans and leases to core deposits | 65.0330% | 4,801 |
Total domestic deposits to total assets | 90.3382% | 825 |
Equity capital to assets | 9.2474% | 4,865 |
Core capital (leverage) ratio | 9.2563% | 4,747 |
Tier 1 risk-based capital ratio | 14.5252% | 4,059 |
Total risk-based capital ratio | 15.6749% | 4,083 |
Memoranda: | ||
Average total assets | $101,549,000 | 4,747 |
Average earning assets | $93,168,500 | 4,747 |
Average equity | $9,599,750 | 5,005 |
Average total loans | $61,578,000 | 4,597 |
2013-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5554% | 2,016 |
Cost of funding earning assets | 0.2171% | 6,388 |
Net interest margin | 4.3382% | 957 |
Noninterest income to average assets | 0.3225% | 5,131 |
Noninterest expense to average assets | 3.3932% | 1,838 |
Loan and lease loss provision to assets | 0.0200% | 4,496 |
Net operating income to assets | 0.6706% | 3,958 |
Return on assets (ROA) | 0.7632% | 3,654 |
Pretax return on assets | 0.9915% | 3,545 |
Return on Equity (ROE) | 8.0109% | 3,095 |
Retained earnings to average equity (ytd only) | 8.0109% | 1,485 |
Net charge-offs to loans | -0.0098% | 5,764 |
Credit loss provision to net charge-offs | -333.3333% | 5,824 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 79.1959% | 2,273 |
Assets per employee ($millions) | 5.3994% | 1,692 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1301% | 5,314 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
Noncurrent loans to loans | 0.0000% | 6,469 |
Net loans and leases to total assets | 63.5545% | 2,996 |
Net loans and leases to deposits | 71.3784% | 3,532 |
Net loans and leases to core deposits | 73.3613% | 3,887 |
Total domestic deposits to total assets | 89.0389% | 1,613 |
Equity capital to assets | 9.9682% | 3,958 |
Core capital (leverage) ratio | 9.2336% | 4,647 |
Tier 1 risk-based capital ratio | 14.2525% | 4,257 |
Total risk-based capital ratio | 15.3845% | 4,293 |
Memoranda: | ||
Average total assets | $99,846,330 | 4,824 |
Average earning assets | $91,189,330 | 4,809 |
Average equity | $9,512,000 | 5,055 |
Average total loans | $61,326,330 | 4,627 |
2013-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4453% | 2,367 |
Cost of funding earning assets | 0.2186% | 6,486 |
Net interest margin | 4.2268% | 1,125 |
Noninterest income to average assets | 0.3044% | 5,263 |
Noninterest expense to average assets | 3.3961% | 1,841 |
Loan and lease loss provision to assets | 0.0000% | 4,409 |
Net operating income to assets | 0.4942% | 4,697 |
Return on assets (ROA) | 0.4942% | 4,849 |
Pretax return on assets | 0.7314% | 4,440 |
Return on Equity (ROE) | 5.3056% | 4,398 |
Retained earnings to average equity (ytd only) | 5.3056% | 3,050 |
Net charge-offs to loans | 0.0000% | 4,145 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 82.2797% | 2,006 |
Assets per employee ($millions) | 4.7781% | 2,527 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1691% | 5,329 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
Noncurrent loans to loans | 0.0000% | 6,535 |
Net loans and leases to total assets | 58.4672% | 3,713 |
Net loans and leases to deposits | 64.7299% | 4,222 |
Net loans and leases to core deposits | 67.5642% | 4,352 |
Total domestic deposits to total assets | 90.3249% | 868 |
Equity capital to assets | 9.4678% | 4,894 |
Core capital (leverage) ratio | 8.7142% | 5,308 |
Tier 1 risk-based capital ratio | 14.2272% | 4,340 |
Total risk-based capital ratio | 15.3881% | 4,360 |
Memoranda: | ||
Average total assets | $101,175,000 | 4,837 |
Average earning assets | $91,511,500 | 4,856 |
Average equity | $9,424,000 | 5,126 |
Average total loans | $60,752,500 | 4,682 |
2012-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.4451% | 693 |
Cost of funding earning assets | 0.3006% | 6,446 |
Net interest margin | 5.1445% | 301 |
Noninterest income to average assets | 0.3659% | 4,860 |
Noninterest expense to average assets | 4.2534% | 717 |
Loan and lease loss provision to assets | 0.0205% | 5,645 |
Net operating income to assets | 1.3236% | 1,249 |
Return on assets (ROA) | 1.3236% | 1,379 |
Pretax return on assets | 0.7741% | 4,393 |
Return on Equity (ROE) | 13.3461% | 1,143 |
Retained earnings to average equity (ytd only) | 13.3461% | 236 |
Net charge-offs to loans | 0.0859% | 4,823 |
Credit loss provision to net charge-offs | 33.9623% | 5,040 |
Earnings coverage of net charge-offs (x) | 13.1509% | 1,860 |
Efficiency ratio | 84.2593% | 1,597 |
Assets per employee ($millions) | 4.8576% | 2,407 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1135% | 5,494 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
Noncurrent loans to loans | 0.0000% | 6,599 |
Net loans and leases to total assets | 60.2421% | 3,563 |
Net loans and leases to deposits | 66.4034% | 4,228 |
Net loans and leases to core deposits | 69.0770% | 4,424 |
Total domestic deposits to total assets | 90.7215% | 602 |
Equity capital to assets | 9.1638% | 5,321 |
Core capital (leverage) ratio | 9.2456% | 4,505 |
Tier 1 risk-based capital ratio | 12.3730% | 5,563 |
Total risk-based capital ratio | 13.4051% | 5,643 |
Memoranda: | ||
Average total assets | $87,718,600 | 5,147 |
Average earning assets | $79,833,000 | 5,129 |
Average equity | $8,699,200 | 5,303 |
Average total loans | $61,720,200 | 4,647 |
2012-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.6451% | 518 |
Cost of funding earning assets | 0.3207% | 6,508 |
Net interest margin | 5.3244% | 232 |
Noninterest income to average assets | 0.3850% | 4,748 |
Noninterest expense to average assets | 4.4335% | 581 |
Loan and lease loss provision to assets | 0.0285% | 5,424 |
Net operating income to assets | 1.4102% | 1,202 |
Return on assets (ROA) | 1.4102% | 1,319 |
Pretax return on assets | 0.8160% | 4,428 |
Return on Equity (ROE) | 13.9000% | 1,132 |
Retained earnings to average equity (ytd only) | 13.9000% | 311 |
Net charge-offs to loans | -0.0216% | 6,517 |
Credit loss provision to net charge-offs | -180.0000% | 6,315 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 83.9988% | 1,587 |
Assets per employee ($millions) | 4.1141% | 3,658 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1845% | 5,352 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
Noncurrent loans to loans | 0.0000% | 6,696 |
Net loans and leases to total assets | 72.9976% | 1,391 |
Net loans and leases to deposits | 81.7905% | 2,152 |
Net loans and leases to core deposits | 84.8976% | 2,589 |
Total domestic deposits to total assets | 89.2495% | 1,284 |
Equity capital to assets | 10.4739% | 3,874 |
Core capital (leverage) ratio | 9.6301% | 4,077 |
Tier 1 risk-based capital ratio | 11.7667% | 6,073 |
Total risk-based capital ratio | 12.8639% | 6,133 |
Memoranda: | ||
Average total assets | $84,145,750 | 5,295 |
Average earning assets | $77,327,750 | 5,262 |
Average equity | $8,537,000 | 5,408 |
Average total loans | $61,614,000 | 4,702 |
2012-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.5884% | 588 |
Cost of funding earning assets | 0.3413% | 6,551 |
Net interest margin | 5.2471% | 266 |
Noninterest income to average assets | 0.3645% | 4,913 |
Noninterest expense to average assets | 4.3647% | 616 |
Loan and lease loss provision to assets | 0.0096% | 5,537 |
Net operating income to assets | 1.4197% | 1,149 |
Return on assets (ROA) | 1.4197% | 1,283 |
Pretax return on assets | 0.8202% | 4,400 |
Return on Equity (ROE) | 14.1520% | 1,080 |
Retained earnings to average equity (ytd only) | 14.1520% | 336 |
Net charge-offs to loans | -0.0329% | 6,555 |
Credit loss provision to net charge-offs | -40.0000% | 5,984 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 84.0259% | 1,628 |
Assets per employee ($millions) | 4.0739% | 3,711 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1335% | 5,631 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
Noncurrent loans to loans | 0.0000% | 6,740 |
Net loans and leases to total assets | 75.6464% | 1,015 |
Net loans and leases to deposits | 84.5178% | 1,787 |
Net loans and leases to core deposits | 92.4489% | 1,737 |
Total domestic deposits to total assets | 89.5035% | 1,216 |
Equity capital to assets | 10.1763% | 4,087 |
Core capital (leverage) ratio | 9.4399% | 4,229 |
Tier 1 risk-based capital ratio | 11.1168% | 6,444 |
Total risk-based capital ratio | 12.1606% | 6,521 |
Memoranda: | ||
Average total assets | $83,395,670 | 5,341 |
Average earning assets | $76,766,670 | 5,303 |
Average equity | $8,366,330 | 5,455 |
Average total loans | $60,877,670 | 4,748 |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.5576% | 682 |
Cost of funding earning assets | 0.3607% | 6,597 |
Net interest margin | 5.1968% | 295 |
Noninterest income to average assets | 0.3499% | 5,061 |
Noninterest expense to average assets | 4.2275% | 715 |
Loan and lease loss provision to assets | 0.0000% | 5,254 |
Net operating income to assets | 1.5598% | 924 |
Return on assets (ROA) | 1.5598% | 1,031 |
Pretax return on assets | 0.9524% | 3,855 |
Return on Equity (ROE) | 15.6652% | 859 |
Retained earnings to average equity (ytd only) | 15.6652% | 396 |
Net charge-offs to loans | -0.0546% | 6,561 |
Credit loss provision to net charge-offs | 0.0000% | 3,998 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 81.6135% | 1,985 |
Assets per employee ($millions) | 4.0209% | 3,964 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2235% | 5,382 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
Noncurrent loans to loans | 0.0000% | 6,812 |
Net loans and leases to total assets | 70.3676% | 1,694 |
Net loans and leases to deposits | 78.3184% | 2,447 |
Net loans and leases to core deposits | 83.4005% | 2,621 |
Total domestic deposits to total assets | 89.8482% | 1,162 |
Equity capital to assets | 9.9327% | 4,214 |
Core capital (leverage) ratio | 9.5332% | 4,006 |
Tier 1 risk-based capital ratio | 11.7355% | 6,137 |
Total risk-based capital ratio | 12.8538% | 6,198 |
Memoranda: | ||
Average total assets | $82,317,500 | 5,409 |
Average earning assets | $76,508,000 | 5,345 |
Average equity | $8,196,500 | 5,532 |
Average total loans | $58,587,000 | 4,875 |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.8136% | 625 |
Cost of funding earning assets | 0.4459% | 6,744 |
Net interest margin | 5.3676% | 215 |
Noninterest income to average assets | 0.1567% | 6,367 |
Noninterest expense to average assets | 4.1141% | 894 |
Loan and lease loss provision to assets | 0.1798% | 4,399 |
Net operating income to assets | 1.5452% | 748 |
Return on assets (ROA) | 1.5452% | 811 |
Pretax return on assets | 0.9030% | 3,600 |
Return on Equity (ROE) | 16.8294% | 490 |
Retained earnings to average equity (ytd only) | 16.8294% | 84 |
Net charge-offs to loans | 0.0853% | 5,470 |
Credit loss provision to net charge-offs | 291.6667% | 815 |
Earnings coverage of net charge-offs (x) | 17.5625% | 1,265 |
Efficiency ratio | 79.1646% | 2,417 |
Assets per employee ($millions) | 3.8189% | 4,272 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2767% | 5,035 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
Noncurrent loans to loans | 0.0000% | 6,879 |
Net loans and leases to total assets | 70.1934% | 1,999 |
Net loans and leases to deposits | 82.7364% | 2,101 |
Net loans and leases to core deposits | 83.2527% | 2,988 |
Total domestic deposits to total assets | 84.8398% | 3,931 |
Equity capital to assets | 9.9829% | 4,190 |
Core capital (leverage) ratio | 8.7085% | 5,237 |
Tier 1 risk-based capital ratio | 11.7906% | 5,963 |
Total risk-based capital ratio | 12.9529% | 6,008 |
Memoranda: | ||
Average total assets | $77,854,400 | 5,510 |
Average earning assets | $73,105,000 | 5,438 |
Average equity | $7,148,200 | 5,824 |
Average total loans | $56,302,200 | 5,014 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.8277% | 662 |
Cost of funding earning assets | 0.4728% | 6,803 |
Net interest margin | 5.3549% | 221 |
Noninterest income to average assets | 0.1294% | 6,610 |
Noninterest expense to average assets | 4.0999% | 899 |
Loan and lease loss provision to assets | 0.2416% | 3,590 |
Net operating income to assets | 0.8300% | 3,022 |
Return on assets (ROA) | 0.8300% | 3,184 |
Pretax return on assets | 0.8300% | 4,015 |
Return on Equity (ROE) | 9.2493% | 2,482 |
Retained earnings to average equity (ytd only) | 9.2493% | 1,058 |
Net charge-offs to loans | 0.0546% | 5,422 |
Credit loss provision to net charge-offs | 608.6957% | 440 |
Earnings coverage of net charge-offs (x) | 26.9964% | 1,003 |
Efficiency ratio | 79.2793% | 2,368 |
Assets per employee ($millions) | 3.9487% | 3,960 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3002% | 5,014 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
Noncurrent loans to loans | 0.0000% | 6,971 |
Net loans and leases to total assets | 68.9359% | 2,293 |
Net loans and leases to deposits | 75.7326% | 3,371 |
Net loans and leases to core deposits | 77.7379% | 3,945 |
Total domestic deposits to total assets | 91.0253% | 424 |
Equity capital to assets | 8.7468% | 6,034 |
Core capital (leverage) ratio | 8.4606% | 5,765 |
Tier 1 risk-based capital ratio | 11.0850% | 6,492 |
Total risk-based capital ratio | 12.2984% | 6,502 |
Memoranda: | ||
Average total assets | $77,268,750 | 5,569 |
Average earning assets | $72,754,000 | 5,487 |
Average equity | $6,933,750 | 5,922 |
Average total loans | $56,122,500 | 5,072 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.8945% | 587 |
Cost of funding earning assets | 0.5121% | 6,807 |
Net interest margin | 5.3824% | 217 |
Noninterest income to average assets | 0.1035% | 6,808 |
Noninterest expense to average assets | 4.2316% | 804 |
Loan and lease loss provision to assets | 0.2786% | 3,151 |
Net operating income to assets | 0.6686% | 3,698 |
Return on assets (ROA) | 0.6686% | 3,818 |
Pretax return on assets | 0.6686% | 4,507 |
Return on Equity (ROE) | 7.3821% | 3,250 |
Retained earnings to average equity (ytd only) | 7.3821% | 1,701 |
Net charge-offs to loans | 0.0828% | 4,813 |
Credit loss provision to net charge-offs | 456.5217% | 670 |
Earnings coverage of net charge-offs (x) | 15.5217% | 1,400 |
Efficiency ratio | 81.7111% | 2,142 |
Assets per employee ($millions) | 3.8681% | 4,057 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2526% | 5,296 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
Noncurrent loans to loans | 0.0000% | 7,026 |
Net loans and leases to total assets | 73.1638% | 1,561 |
Net loans and leases to deposits | 80.6512% | 2,674 |
Net loans and leases to core deposits | 84.7244% | 3,113 |
Total domestic deposits to total assets | 90.7164% | 629 |
Equity capital to assets | 9.0962% | 5,446 |
Core capital (leverage) ratio | 8.7359% | 5,168 |
Tier 1 risk-based capital ratio | 10.6804% | 6,722 |
Total risk-based capital ratio | 11.8340% | 6,755 |
Memoranda: | ||
Average total assets | $75,384,330 | 5,675 |
Average earning assets | $71,083,330 | 5,594 |
Average equity | $6,827,330 | 5,973 |
Average total loans | $55,524,670 | 5,146 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.5988% | 1,056 |
Cost of funding earning assets | 0.5365% | 6,844 |
Net interest margin | 5.0623% | 331 |
Noninterest income to average assets | 0.1022% | 6,902 |
Noninterest expense to average assets | 4.3927% | 657 |
Loan and lease loss provision to assets | 0.1075% | 4,666 |
Net operating income to assets | 0.3710% | 5,073 |
Return on assets (ROA) | 0.3710% | 5,156 |
Pretax return on assets | 0.3710% | 5,425 |
Return on Equity (ROE) | 4.1056% | 4,842 |
Retained earnings to average equity (ytd only) | 4.1056% | 3,699 |
Net charge-offs to loans | 0.1611% | 3,521 |
Credit loss provision to net charge-offs | 90.9091% | 2,925 |
Earnings coverage of net charge-offs (x) | 4.0455% | 2,572 |
Efficiency ratio | 90.1766% | 1,317 |
Assets per employee ($millions) | 3.8830% | 4,112 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1325% | 5,920 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
Noncurrent loans to loans | 0.0000% | 7,094 |
Net loans and leases to total assets | 71.2709% | 1,867 |
Net loans and leases to deposits | 78.8066% | 2,928 |
Net loans and leases to core deposits | 84.3439% | 3,122 |
Total domestic deposits to total assets | 90.4378% | 877 |
Equity capital to assets | 8.7445% | 5,586 |
Core capital (leverage) ratio | 9.2199% | 4,256 |
Tier 1 risk-based capital ratio | 10.6005% | 6,749 |
Total risk-based capital ratio | 11.6487% | 6,849 |
Memoranda: | ||
Average total assets | $74,395,500 | 5,746 |
Average earning assets | $70,087,000 | 5,666 |
Average equity | $6,722,500 | 6,016 |
Average total loans | $54,627,500 | 5,227 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.9929% | 860 |
Cost of funding earning assets | 0.9244% | 6,053 |
Net interest margin | 5.0685% | 376 |
Noninterest income to average assets | 0.1233% | 6,786 |
Noninterest expense to average assets | 4.3266% | 785 |
Loan and lease loss provision to assets | 0.2393% | 4,890 |
Net operating income to assets | 0.7473% | 3,010 |
Return on assets (ROA) | 0.8677% | 2,656 |
Pretax return on assets | 0.4272% | 4,861 |
Return on Equity (ROE) | 9.7438% | 2,023 |
Retained earnings to average equity (ytd only) | 9.7438% | 563 |
Net charge-offs to loans | 0.0000% | 6,850 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 88.7918% | 1,411 |
Assets per employee ($millions) | 3.7437% | 4,377 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1939% | 5,547 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
Noncurrent loans to loans | 0.0000% | 7,175 |
Net loans and leases to total assets | 73.9987% | 1,664 |
Net loans and leases to deposits | 82.4964% | 2,714 |
Net loans and leases to core deposits | 91.8187% | 2,523 |
Total domestic deposits to total assets | 89.6993% | 1,271 |
Equity capital to assets | 9.3546% | 4,611 |
Core capital (leverage) ratio | 8.7531% | 4,937 |
Tier 1 risk-based capital ratio | 10.5253% | 6,682 |
Total risk-based capital ratio | 11.5907% | 6,775 |
Memoranda: | ||
Average total assets | $68,113,200 | 5,932 |
Average earning assets | $63,826,000 | 5,863 |
Average equity | $6,065,400 | 6,336 |
Average total loans | $49,743,000 | 5,494 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.8819% | 1,175 |
Cost of funding earning assets | 0.9322% | 6,267 |
Net interest margin | 4.9498% | 485 |
Noninterest income to average assets | 0.1227% | 6,937 |
Noninterest expense to average assets | 4.3131% | 735 |
Loan and lease loss provision to assets | 0.3226% | 4,009 |
Net operating income to assets | 0.1326% | 5,683 |
Return on assets (ROA) | 0.2771% | 5,409 |
Pretax return on assets | 0.2771% | 5,558 |
Return on Equity (ROE) | 3.1540% | 5,160 |
Retained earnings to average equity (ytd only) | 3.1540% | 4,224 |
Net charge-offs to loans | 0.0000% | 6,671 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 90.4525% | 1,246 |
Assets per employee ($millions) | 3.8334% | 4,186 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2121% | 5,431 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
Noncurrent loans to loans | 0.0000% | 7,276 |
Net loans and leases to total assets | 75.3110% | 1,527 |
Net loans and leases to deposits | 82.5724% | 2,991 |
Net loans and leases to core deposits | 94.1407% | 2,509 |
Total domestic deposits to total assets | 91.2060% | 382 |
Equity capital to assets | 8.5043% | 6,269 |
Core capital (leverage) ratio | 8.7170% | 5,155 |
Tier 1 risk-based capital ratio | 9.9475% | 7,091 |
Total risk-based capital ratio | 11.0448% | 7,147 |
Memoranda: | ||
Average total assets | $67,358,750 | 6,020 |
Average earning assets | $63,220,500 | 5,943 |
Average equity | $5,918,250 | 6,473 |
Average total loans | $48,860,750 | 5,610 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.6895% | 1,807 |
Cost of funding earning assets | 0.9548% | 6,362 |
Net interest margin | 4.7347% | 760 |
Noninterest income to average assets | 0.1221% | 6,989 |
Noninterest expense to average assets | 4.4191% | 636 |
Loan and lease loss provision to assets | 0.3876% | 3,395 |
Net operating income to assets | -0.2655% | 6,433 |
Return on assets (ROA) | -0.0427% | 6,231 |
Pretax return on assets | -0.0427% | 6,192 |
Return on Equity (ROE) | -0.4806% | 6,247 |
Retained earnings to average equity (ytd only) | -0.4806% | 5,841 |
Net charge-offs to loans | 0.0000% | 6,371 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 97.3118% | 905 |
Assets per employee ($millions) | 3.8384% | 4,133 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1718% | 5,592 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
Noncurrent loans to loans | 0.0000% | 7,347 |
Net loans and leases to total assets | 77.7586% | 1,156 |
Net loans and leases to deposits | 85.5017% | 2,602 |
Net loans and leases to core deposits | 100.7917% | 1,937 |
Total domestic deposits to total assets | 90.9440% | 510 |
Equity capital to assets | 8.7159% | 5,861 |
Core capital (leverage) ratio | 9.6356% | 3,632 |
Tier 1 risk-based capital ratio | 9.9804% | 7,037 |
Total risk-based capital ratio | 11.0475% | 7,117 |
Memoranda: | ||
Average total assets | $65,533,670 | 6,122 |
Average earning assets | $61,165,330 | 6,056 |
Average equity | $5,826,330 | 6,521 |
Average total loans | $46,639,330 | 5,734 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.4759% | 2,705 |
Cost of funding earning assets | 0.9950% | 6,402 |
Net interest margin | 4.4809% | 1,185 |
Noninterest income to average assets | 0.1129% | 7,127 |
Noninterest expense to average assets | 4.5863% | 522 |
Loan and lease loss provision to assets | 0.4015% | 2,962 |
Net operating income to assets | -0.7215% | 6,966 |
Return on assets (ROA) | -0.3200% | 6,735 |
Pretax return on assets | -0.3200% | 6,657 |
Return on Equity (ROE) | -3.5611% | 6,784 |
Retained earnings to average equity (ytd only) | -3.5611% | 6,437 |
Net charge-offs to loans | 0.0000% | 5,609 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 107.5000% | 648 |
Assets per employee ($millions) | 3.7221% | 4,519 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2178% | 5,410 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
Noncurrent loans to loans | 0.0000% | 7,426 |
Net loans and leases to total assets | 66.8304% | 3,672 |
Net loans and leases to deposits | 73.5850% | 4,808 |
Net loans and leases to core deposits | 85.1349% | 4,025 |
Total domestic deposits to total assets | 90.8206% | 607 |
Equity capital to assets | 8.9167% | 5,393 |
Core capital (leverage) ratio | 9.8600% | 3,328 |
Tier 1 risk-based capital ratio | 11.4025% | 5,762 |
Total risk-based capital ratio | 12.4600% | 5,902 |
Memoranda: | ||
Average total assets | $63,754,500 | 6,250 |
Average earning assets | $59,095,500 | 6,203 |
Average equity | $5,728,500 | 6,604 |
Average total loans | $42,778,000 | 5,993 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.9534% | 2,042 |
Cost of funding earning assets | 1.6345% | 4,867 |
Net interest margin | 4.3189% | 1,663 |
Noninterest income to average assets | 0.0637% | 7,434 |
Noninterest expense to average assets | 7.1163% | 199 |
Loan and lease loss provision to assets | 0.5460% | 3,639 |
Net operating income to assets | -3.6491% | 7,541 |
Return on assets (ROA) | -3.6469% | 7,545 |
Pretax return on assets | -3.6469% | 7,454 |
Return on Equity (ROE) | -25.8557% | 7,310 |
Retained earnings to average equity (ytd only) | -25.8557% | 7,285 |
Net charge-offs to loans | 0.0066% | 7,147 |
Credit loss provision to net charge-offs | 12,000.0000% | 29 |
Earnings coverage of net charge-offs (x) | -682.0000% | 7,242 |
Efficiency ratio | 177.3243% | 194 |
Assets per employee ($millions) | 3.3617% | 5,339 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2131% | 5,276 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
Noncurrent loans to loans | 0.0000% | 7,460 |
Net loans and leases to total assets | 65.6757% | 4,242 |
Net loans and leases to deposits | 72.5174% | 5,258 |
Net loans and leases to core deposits | 88.8862% | 5,238 |
Total domestic deposits to total assets | 90.5654% | 713 |
Equity capital to assets | 9.0612% | 5,047 |
Core capital (leverage) ratio | 9.8444% | 3,278 |
Tier 1 risk-based capital ratio | 11.3058% | 5,607 |
Total risk-based capital ratio | 12.3069% | 5,830 |
Memoranda: | ||
Average total assets | $43,955,600 | 6,944 |
Average earning assets | $40,195,400 | 6,935 |
Average equity | $6,199,800 | 6,533 |
Average total loans | $30,208,600 | 6,613 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.3775% | 968 |
Cost of funding earning assets | 1.7991% | 4,384 |
Net interest margin | 4.5785% | 1,027 |
Noninterest income to average assets | 0.0502% | 7,650 |
Noninterest expense to average assets | 7.2129% | 196 |
Loan and lease loss provision to assets | 0.4219% | 3,799 |
Net operating income to assets | -3.4089% | 7,675 |
Return on assets (ROA) | -3.4055% | 7,680 |
Pretax return on assets | -3.4055% | 7,596 |
Return on Equity (ROE) | -21.2568% | 7,414 |
Retained earnings to average equity (ytd only) | -21.2568% | 7,382 |
Net charge-offs to loans | 0.0096% | 6,807 |
Credit loss provision to net charge-offs | 6,300.0000% | 62 |
Earnings coverage of net charge-offs (x) | -445.4307% | 6,984 |
Efficiency ratio | 170.6815% | 233 |
Assets per employee ($millions) | 2.4394% | 7,323 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1204% | 5,600 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
Noncurrent loans to loans | 0.0000% | 7,541 |
Net loans and leases to total assets | 75.1737% | 2,201 |
Net loans and leases to deposits | 87.6450% | 3,036 |
Net loans and leases to core deposits | 120.7624% | 2,177 |
Total domestic deposits to total assets | 85.7706% | 2,820 |
Equity capital to assets | 13.4369% | 1,525 |
Core capital (leverage) ratio | 14.1378% | 1,057 |
Tier 1 risk-based capital ratio | 15.6126% | 2,766 |
Total risk-based capital ratio | 16.5714% | 2,847 |
Memoranda: | ||
Average total assets | $39,816,750 | 7,157 |
Average earning assets | $36,314,000 | 7,145 |
Average equity | $6,379,000 | 6,528 |
Average total loans | $27,703,500 | 6,816 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.1966% | 1,467 |
Cost of funding earning assets | 1.8721% | 4,411 |
Net interest margin | 4.3245% | 1,591 |
Noninterest income to average assets | 0.1144% | 7,411 |
Noninterest expense to average assets | 7.6354% | 179 |
Loan and lease loss provision to assets | 0.3641% | 3,744 |
Net operating income to assets | -3.9321% | 7,820 |
Return on assets (ROA) | -3.9321% | 7,814 |
Pretax return on assets | -3.9321% | 7,733 |
Return on Equity (ROE) | -23.1240% | 7,595 |
Retained earnings to average equity (ytd only) | -23.1240% | 7,554 |
Net charge-offs to loans | 0.0000% | 6,628 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 187.7238% | 224 |
Assets per employee ($millions) | 2.2709% | 7,598 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1038% | 5,575 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
Noncurrent loans to loans | 0.0000% | 7,580 |
Net loans and leases to total assets | 70.1438% | 3,671 |
Net loans and leases to deposits | 83.0326% | 4,039 |
Net loans and leases to core deposits | 110.0357% | 3,367 |
Total domestic deposits to total assets | 84.4774% | 3,514 |
Equity capital to assets | 15.1727% | 992 |
Core capital (leverage) ratio | 15.9512% | 749 |
Tier 1 risk-based capital ratio | 17.4805% | 2,159 |
Total risk-based capital ratio | 18.3618% | 2,213 |
Memoranda: | ||
Average total assets | $38,452,670 | 7,277 |
Average earning assets | $35,148,330 | 7,256 |
Average equity | $6,538,670 | 6,521 |
Average total loans | $25,810,670 | 6,978 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.7999% | 3,305 |
Cost of funding earning assets | 2.0072% | 4,090 |
Net interest margin | 3.7927% | 3,474 |
Noninterest income to average assets | 0.1074% | 7,496 |
Noninterest expense to average assets | 7.8838% | 156 |
Loan and lease loss provision to assets | 0.4189% | 2,828 |
Net operating income to assets | -4.7045% | 8,023 |
Return on assets (ROA) | -4.7045% | 8,013 |
Pretax return on assets | -4.7045% | 7,964 |
Return on Equity (ROE) | -26.1220% | 7,862 |
Retained earnings to average equity (ytd only) | -26.1220% | 7,793 |
Net charge-offs to loans | 0.0000% | 5,728 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 219.1045% | 158 |
Assets per employee ($millions) | 2.1334% | 7,777 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1186% | 5,335 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
Noncurrent loans to loans | 0.0000% | 7,590 |
Net loans and leases to total assets | 66.5295% | 4,457 |
Net loans and leases to deposits | 80.1883% | 4,579 |
Net loans and leases to core deposits | 102.1716% | 4,326 |
Total domestic deposits to total assets | 82.9666% | 4,166 |
Equity capital to assets | 16.7418% | 753 |
Core capital (leverage) ratio | 17.8838% | 570 |
Tier 1 risk-based capital ratio | 20.6154% | 1,502 |
Total risk-based capital ratio | 21.5092% | 1,529 |
Memoranda: | ||
Average total assets | $37,241,000 | 7,362 |
Average earning assets | $34,276,500 | 7,340 |
Average equity | $6,707,000 | 6,517 |
Average total loans | $24,220,000 | 7,118 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.7514% | 6,593 |
Cost of funding earning assets | 2.6332% | 3,518 |
Net interest margin | 3.1182% | 6,600 |
Noninterest income to average assets | 0.0441% | 7,918 |
Noninterest expense to average assets | 9.3753% | 160 |
Loan and lease loss provision to assets | 0.8450% | 1,768 |
Net operating income to assets | -7.3180% | 8,207 |
Return on assets (ROA) | -7.3180% | 8,203 |
Pretax return on assets | -7.3180% | 8,177 |
Return on Equity (ROE) | -25.0107% | 7,863 |
Retained earnings to average equity (ytd only) | -25.0107% | 7,810 |
Net charge-offs to loans | 0.0080% | 6,823 |
Credit loss provision to net charge-offs | 23,000.0000% | 24 |
Earnings coverage of net charge-offs (x) | -1,762.0000% | 7,035 |
Efficiency ratio | 323.0380% | 90 |
Assets per employee ($millions) | 2.2551% | 7,621 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1060% | 5,228 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
Noncurrent loans to loans | 0.0000% | 7,569 |
Net loans and leases to total assets | 61.9523% | 5,629 |
Net loans and leases to deposits | 85.4146% | 4,191 |
Net loans and leases to core deposits | 131.3337% | 1,764 |
Total domestic deposits to total assets | 72.5312% | 6,909 |
Equity capital to assets | 19.3592% | 513 |
Core capital (leverage) ratio | 20.3402% | 418 |
Tier 1 risk-based capital ratio | 24.7513% | 1,007 |
Total risk-based capital ratio | 25.6239% | 1,027 |
Memoranda: | ||
Average total assets | $27,220,400 | 7,757 |
Average earning assets | $24,950,600 | 7,745 |
Average equity | $7,964,600 | 6,096 |
Average total loans | $12,426,200 | 7,810 |