Home > Connecticut River Bank > Performance and Condition Ratios
Connecticut River Bank, Performance and Condition Ratios
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 | 3.4710% | 5,472 |
Cost of funding earning assets | 0.4167% | 3,693 |
Net interest margin | 3.0543% | 5,385 |
Noninterest income to average assets | 0.8833% | 1,548 |
Noninterest expense to average assets | 3.2040% | 2,184 |
Loan and lease loss provision to assets | 0.2139% | 1,101 |
Net operating income to assets | 0.1896% | 5,866 |
Return on assets (ROA) | 0.1896% | 5,915 |
Pretax return on assets | 0.2453% | 5,883 |
Return on Equity (ROE) | 2.5001% | 5,696 |
Retained earnings to average equity (ytd only) | 0.5639% | 5,517 |
Net charge-offs to loans | 0.3153% | 1,279 |
Credit loss provision to net charge-offs | 105.6338% | 1,895 |
Earnings coverage of net charge-offs (x) | 2.2676% | 3,585 |
Efficiency ratio | 87.4659% | 1,133 |
Assets per employee ($millions) | 3.4116% | 5,030 |
Cash dividends to net income (ytd only)* | 77.4436% | 969 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9108% | 5,693 |
Loan loss allowance to noncurrent loans | 51.5645% | 5,111 |
Noncurrent assets plus other real estate owned to assets | 1.2429% | 2,619 |
Noncurrent loans to loans | 1.7663% | 1,949 |
Net loans and leases to total assets | 62.8097% | 3,274 |
Net loans and leases to deposits | 68.9509% | 3,944 |
Net loans and leases to core deposits | 82.5898% | 2,904 |
Total domestic deposits to total assets | 91.0934% | 384 |
Equity capital to assets | 7.6362% | 6,311 |
Core capital (leverage) ratio | 7.6052% | 6,274 |
Tier 1 risk-based capital ratio | 11.5149% | 5,788 |
Total risk-based capital ratio | 12.3913% | 5,925 |
Memoranda: | ||
Average total assets | $280,527,000 | 2,286 |
Average earning assets | $255,316,330 | 2,315 |
Average equity | $21,279,000 | 3,027 |
Average total loans | $180,136,330 | 2,233 |
2014-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4702% | 5,503 |
Cost of funding earning assets | 0.4234% | 3,722 |
Net interest margin | 3.0467% | 5,397 |
Noninterest income to average assets | 0.8487% | 1,570 |
Noninterest expense to average assets | 3.2608% | 2,042 |
Loan and lease loss provision to assets | 0.2136% | 1,075 |
Net operating income to assets | 0.1694% | 5,882 |
Return on assets (ROA) | 0.1694% | 5,925 |
Pretax return on assets | 0.1509% | 6,004 |
Return on Equity (ROE) | 2.2413% | 5,724 |
Retained earnings to average equity (ytd only) | 0.3014% | 5,451 |
Net charge-offs to loans | 0.2093% | 1,494 |
Credit loss provision to net charge-offs | 157.8947% | 1,212 |
Earnings coverage of net charge-offs (x) | 2.6947% | 2,818 |
Efficiency ratio | 89.9450% | 1,040 |
Assets per employee ($millions) | 3.2794% | 5,385 |
Cash dividends to net income (ytd only)* | 86.5546% | 865 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9187% | 5,810 |
Loan loss allowance to noncurrent loans | 71.0786% | 4,462 |
Noncurrent assets plus other real estate owned to assets | 1.0517% | 3,152 |
Noncurrent loans to loans | 1.2926% | 2,872 |
Net loans and leases to total assets | 63.2476% | 3,022 |
Net loans and leases to deposits | 69.3320% | 3,687 |
Net loans and leases to core deposits | 78.4198% | 3,160 |
Total domestic deposits to total assets | 91.2243% | 476 |
Equity capital to assets | 7.5404% | 6,305 |
Core capital (leverage) ratio | 7.6475% | 6,288 |
Tier 1 risk-based capital ratio | 11.5241% | 5,901 |
Total risk-based capital ratio | 12.4243% | 6,034 |
Memoranda: | ||
Average total assets | $280,916,500 | 2,295 |
Average earning assets | $256,011,500 | 2,314 |
Average equity | $21,237,500 | 3,023 |
Average total loans | $181,542,500 | 2,219 |
2013-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5811% | 5,456 |
Cost of funding earning assets | 0.4694% | 3,921 |
Net interest margin | 3.1117% | 5,278 |
Noninterest income to average assets | 0.9334% | 1,574 |
Noninterest expense to average assets | 3.3665% | 1,958 |
Loan and lease loss provision to assets | 0.2742% | 1,282 |
Net operating income to assets | 0.0946% | 6,056 |
Return on assets (ROA) | 0.0946% | 6,106 |
Pretax return on assets | 0.1505% | 6,015 |
Return on Equity (ROE) | 1.2327% | 6,038 |
Retained earnings to average equity (ytd only) | -1.1219% | 6,079 |
Net charge-offs to loans | 0.8272% | 748 |
Credit loss provision to net charge-offs | 51.6344% | 3,776 |
Earnings coverage of net charge-offs (x) | 0.7999% | 4,818 |
Efficiency ratio | 88.7975% | 1,128 |
Assets per employee ($millions) | 3.2918% | 5,307 |
Cash dividends to net income (ytd only)* | 191.0112% | 93 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8735% | 5,999 |
Loan loss allowance to noncurrent loans | 83.1513% | 4,093 |
Noncurrent assets plus other real estate owned to assets | 0.9782% | 3,462 |
Noncurrent loans to loans | 1.0505% | 3,411 |
Net loans and leases to total assets | 64.8509% | 2,897 |
Net loans and leases to deposits | 71.1372% | 3,638 |
Net loans and leases to core deposits | 80.7426% | 3,042 |
Total domestic deposits to total assets | 91.1631% | 512 |
Equity capital to assets | 7.5799% | 6,243 |
Core capital (leverage) ratio | 7.4974% | 6,371 |
Tier 1 risk-based capital ratio | 11.2544% | 6,047 |
Total risk-based capital ratio | 12.1050% | 6,189 |
Memoranda: | ||
Average total assets | $282,310,600 | 2,252 |
Average earning assets | $259,281,400 | 2,252 |
Average equity | $21,659,000 | 2,962 |
Average total loans | $181,213,400 | 2,182 |
2013-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5942% | 5,454 |
Cost of funding earning assets | 0.4785% | 3,977 |
Net interest margin | 3.1157% | 5,279 |
Noninterest income to average assets | 0.9189% | 1,697 |
Noninterest expense to average assets | 3.2148% | 2,323 |
Loan and lease loss provision to assets | 0.2243% | 1,616 |
Net operating income to assets | 0.2714% | 5,705 |
Return on assets (ROA) | 0.2714% | 5,810 |
Pretax return on assets | 0.3459% | 5,756 |
Return on Equity (ROE) | 3.5275% | 5,425 |
Retained earnings to average equity (ytd only) | 1.0288% | 5,570 |
Net charge-offs to loans | 0.8822% | 656 |
Credit loss provision to net charge-offs | 39.7993% | 3,706 |
Earnings coverage of net charge-offs (x) | 1.0117% | 4,507 |
Efficiency ratio | 84.9353% | 1,483 |
Assets per employee ($millions) | 3.2061% | 5,485 |
Cash dividends to net income (ytd only)* | 70.8339% | 1,056 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8705% | 6,133 |
Loan loss allowance to noncurrent loans | 69.3472% | 4,438 |
Noncurrent assets plus other real estate owned to assets | 0.8726% | 3,929 |
Noncurrent loans to loans | 1.2553% | 3,302 |
Net loans and leases to total assets | 64.0101% | 2,999 |
Net loans and leases to deposits | 70.2255% | 3,755 |
Net loans and leases to core deposits | 79.9806% | 3,135 |
Total domestic deposits to total assets | 91.1494% | 472 |
Equity capital to assets | 7.5992% | 6,355 |
Core capital (leverage) ratio | 7.6351% | 6,391 |
Tier 1 risk-based capital ratio | 11.4631% | 6,079 |
Total risk-based capital ratio | 12.3130% | 6,216 |
Memoranda: | ||
Average total assets | $282,937,000 | 2,260 |
Average earning assets | $260,265,000 | 2,251 |
Average equity | $21,771,500 | 2,987 |
Average total loans | $180,753,000 | 2,193 |
2013-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5824% | 5,489 |
Cost of funding earning assets | 0.4885% | 4,007 |
Net interest margin | 3.0939% | 5,285 |
Noninterest income to average assets | 0.9719% | 1,602 |
Noninterest expense to average assets | 3.2495% | 2,213 |
Loan and lease loss provision to assets | 0.2283% | 1,647 |
Net operating income to assets | 0.2701% | 5,716 |
Return on assets (ROA) | 0.2701% | 5,853 |
Pretax return on assets | 0.3495% | 5,751 |
Return on Equity (ROE) | 3.4953% | 5,427 |
Retained earnings to average equity (ytd only) | 0.6972% | 5,622 |
Net charge-offs to loans | 0.6515% | 1,008 |
Credit loss provision to net charge-offs | 55.0427% | 3,121 |
Earnings coverage of net charge-offs (x) | 1.3932% | 4,076 |
Efficiency ratio | 84.9046% | 1,542 |
Assets per employee ($millions) | 3.1303% | 5,617 |
Cash dividends to net income (ytd only)* | 80.0525% | 905 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1212% | 5,358 |
Loan loss allowance to noncurrent loans | 87.0722% | 3,803 |
Noncurrent assets plus other real estate owned to assets | 0.8888% | 4,020 |
Noncurrent loans to loans | 1.2877% | 3,404 |
Net loans and leases to total assets | 64.5150% | 2,838 |
Net loans and leases to deposits | 71.2569% | 3,549 |
Net loans and leases to core deposits | 81.4052% | 2,868 |
Total domestic deposits to total assets | 90.5386% | 734 |
Equity capital to assets | 7.6901% | 6,370 |
Core capital (leverage) ratio | 7.6360% | 6,397 |
Tier 1 risk-based capital ratio | 11.3634% | 6,170 |
Total risk-based capital ratio | 12.4506% | 6,216 |
Memoranda: | ||
Average total assets | $282,133,670 | 2,274 |
Average earning assets | $260,382,330 | 2,263 |
Average equity | $21,800,670 | 3,007 |
Average total loans | $179,585,670 | 2,205 |
2013-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5333% | 5,623 |
Cost of funding earning assets | 0.5072% | 4,011 |
Net interest margin | 3.0261% | 5,503 |
Noninterest income to average assets | 0.9492% | 1,617 |
Noninterest expense to average assets | 3.2585% | 2,190 |
Loan and lease loss provision to assets | 0.2267% | 1,619 |
Net operating income to assets | 0.2111% | 5,850 |
Return on assets (ROA) | 0.2111% | 5,969 |
Pretax return on assets | 0.2621% | 5,928 |
Return on Equity (ROE) | 2.7254% | 5,696 |
Retained earnings to average equity (ytd only) | -0.4207% | 5,863 |
Net charge-offs to loans | 0.0023% | 4,124 |
Credit loss provision to net charge-offs | 16,000.0000% | 5 |
Earnings coverage of net charge-offs (x) | 345.0000% | 108 |
Efficiency ratio | 86.9565% | 1,417 |
Assets per employee ($millions) | 3.1197% | 5,789 |
Cash dividends to net income (ytd only)* | 115.4362% | 523 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3957% | 4,257 |
Loan loss allowance to noncurrent loans | 89.0603% | 3,655 |
Noncurrent assets plus other real estate owned to assets | 0.9930% | 3,939 |
Noncurrent loans to loans | 1.5672% | 3,189 |
Net loans and leases to total assets | 62.4773% | 2,971 |
Net loans and leases to deposits | 68.7197% | 3,674 |
Net loans and leases to core deposits | 77.8822% | 3,083 |
Total domestic deposits to total assets | 90.9161% | 558 |
Equity capital to assets | 7.7732% | 6,485 |
Core capital (leverage) ratio | 7.6379% | 6,398 |
Tier 1 risk-based capital ratio | 12.2723% | 5,739 |
Total risk-based capital ratio | 13.5245% | 5,691 |
Memoranda: | ||
Average total assets | $282,338,000 | 2,302 |
Average earning assets | $261,061,000 | 2,282 |
Average equity | $21,868,500 | 3,041 |
Average total loans | $177,470,500 | 2,241 |
2012-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8559% | 5,694 |
Cost of funding earning assets | 0.6006% | 4,348 |
Net interest margin | 3.2553% | 5,415 |
Noninterest income to average assets | 1.0821% | 1,326 |
Noninterest expense to average assets | 3.2893% | 2,371 |
Loan and lease loss provision to assets | 0.2725% | 2,466 |
Net operating income to assets | 0.3722% | 5,214 |
Return on assets (ROA) | 0.3722% | 5,444 |
Pretax return on assets | 0.5240% | 5,211 |
Return on Equity (ROE) | 4.7281% | 4,826 |
Retained earnings to average equity (ytd only) | 2.0983% | 4,752 |
Net charge-offs to loans | 0.4640% | 2,381 |
Credit loss provision to net charge-offs | 93.0435% | 3,346 |
Earnings coverage of net charge-offs (x) | 2.7193% | 4,069 |
Efficiency ratio | 80.5058% | 2,087 |
Assets per employee ($millions) | 3.1545% | 5,728 |
Cash dividends to net income (ytd only)* | 55.6207% | 2,027 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3127% | 4,566 |
Loan loss allowance to noncurrent loans | 73.4281% | 4,146 |
Noncurrent assets plus other real estate owned to assets | 1.1641% | 3,716 |
Noncurrent loans to loans | 1.7877% | 2,935 |
Net loans and leases to total assets | 61.5403% | 3,329 |
Net loans and leases to deposits | 67.6659% | 4,032 |
Net loans and leases to core deposits | 75.9678% | 3,538 |
Total domestic deposits to total assets | 90.9473% | 517 |
Equity capital to assets | 7.7181% | 6,544 |
Core capital (leverage) ratio | 7.6397% | 6,433 |
Tier 1 risk-based capital ratio | 12.3921% | 5,547 |
Total risk-based capital ratio | 13.6431% | 5,499 |
Memoranda: | ||
Average total assets | $274,830,600 | 2,306 |
Average earning assets | $253,586,000 | 2,283 |
Average equity | $21,636,600 | 3,019 |
Average total loans | $173,499,200 | 2,276 |
2012-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9357% | 5,697 |
Cost of funding earning assets | 0.6164% | 4,486 |
Net interest margin | 3.3193% | 5,314 |
Noninterest income to average assets | 1.0439% | 1,389 |
Noninterest expense to average assets | 3.3322% | 2,179 |
Loan and lease loss provision to assets | 0.2417% | 2,635 |
Net operating income to assets | 0.3786% | 5,333 |
Return on assets (ROA) | 0.3786% | 5,543 |
Pretax return on assets | 0.5337% | 5,366 |
Return on Equity (ROE) | 4.7848% | 4,925 |
Retained earnings to average equity (ytd only) | 2.0833% | 5,282 |
Net charge-offs to loans | 0.3584% | 2,668 |
Credit loss provision to net charge-offs | 106.4655% | 2,760 |
Earnings coverage of net charge-offs (x) | 3.4160% | 3,652 |
Efficiency ratio | 81.1242% | 1,914 |
Assets per employee ($millions) | 3.1175% | 5,806 |
Cash dividends to net income (ytd only)* | 56.4600% | 1,414 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3656% | 4,518 |
Loan loss allowance to noncurrent loans | 110.8046% | 2,956 |
Noncurrent assets plus other real estate owned to assets | 0.8643% | 4,564 |
Noncurrent loans to loans | 1.2325% | 3,991 |
Net loans and leases to total assets | 62.7358% | 3,255 |
Net loans and leases to deposits | 69.2029% | 4,001 |
Net loans and leases to core deposits | 78.5436% | 3,383 |
Total domestic deposits to total assets | 90.6548% | 536 |
Equity capital to assets | 7.8750% | 6,648 |
Core capital (leverage) ratio | 7.8428% | 6,443 |
Tier 1 risk-based capital ratio | 12.2830% | 5,780 |
Total risk-based capital ratio | 13.5348% | 5,753 |
Memoranda: | ||
Average total assets | $272,562,000 | 2,344 |
Average earning assets | $251,570,000 | 2,338 |
Average equity | $21,567,750 | 3,050 |
Average total loans | $172,614,000 | 2,317 |
2012-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9783% | 5,714 |
Cost of funding earning assets | 0.6339% | 4,590 |
Net interest margin | 3.3444% | 5,290 |
Noninterest income to average assets | 1.0217% | 1,399 |
Noninterest expense to average assets | 3.4031% | 2,028 |
Loan and lease loss provision to assets | 0.2443% | 2,620 |
Net operating income to assets | 0.3359% | 5,478 |
Return on assets (ROA) | 0.3359% | 5,697 |
Pretax return on assets | 0.4629% | 5,540 |
Return on Equity (ROE) | 4.2377% | 5,159 |
Retained earnings to average equity (ytd only) | 1.3971% | 5,495 |
Net charge-offs to loans | 0.1728% | 3,566 |
Credit loss provision to net charge-offs | 223.6486% | 1,270 |
Earnings coverage of net charge-offs (x) | 6.4730% | 2,633 |
Efficiency ratio | 82.7945% | 1,778 |
Assets per employee ($millions) | 3.0464% | 5,967 |
Cash dividends to net income (ytd only)* | 67.0330% | 1,160 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4913% | 4,051 |
Loan loss allowance to noncurrent loans | 126.8812% | 2,580 |
Noncurrent assets plus other real estate owned to assets | 0.8826% | 4,609 |
Noncurrent loans to loans | 1.1753% | 4,188 |
Net loans and leases to total assets | 62.4439% | 3,345 |
Net loans and leases to deposits | 69.1830% | 4,015 |
Net loans and leases to core deposits | 78.4434% | 3,455 |
Total domestic deposits to total assets | 90.2590% | 785 |
Equity capital to assets | 7.9758% | 6,581 |
Core capital (leverage) ratio | 7.7930% | 6,453 |
Tier 1 risk-based capital ratio | 12.6165% | 5,483 |
Total risk-based capital ratio | 13.8701% | 5,461 |
Memoranda: | ||
Average total assets | $270,929,670 | 2,369 |
Average earning assets | $250,208,330 | 2,353 |
Average equity | $21,473,670 | 3,048 |
Average total loans | $171,326,670 | 2,334 |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9706% | 5,856 |
Cost of funding earning assets | 0.6620% | 4,618 |
Net interest margin | 3.3085% | 5,443 |
Noninterest income to average assets | 0.9866% | 1,459 |
Noninterest expense to average assets | 3.4531% | 1,866 |
Loan and lease loss provision to assets | 0.2422% | 2,530 |
Net operating income to assets | 0.2629% | 5,772 |
Return on assets (ROA) | 0.2629% | 5,936 |
Pretax return on assets | 0.3471% | 5,864 |
Return on Equity (ROE) | 3.3274% | 5,580 |
Retained earnings to average equity (ytd only) | 0.1122% | 5,942 |
Net charge-offs to loans | 0.0655% | 3,836 |
Credit loss provision to net charge-offs | 585.7143% | 583 |
Earnings coverage of net charge-offs (x) | 14.2500% | 1,483 |
Efficiency ratio | 85.4220% | 1,534 |
Assets per employee ($millions) | 3.0465% | 6,070 |
Cash dividends to net income (ytd only)* | 96.6292% | 584 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4626% | 4,325 |
Loan loss allowance to noncurrent loans | 115.3882% | 2,710 |
Noncurrent assets plus other real estate owned to assets | 0.9249% | 4,670 |
Noncurrent loans to loans | 1.2676% | 4,210 |
Net loans and leases to total assets | 61.3535% | 3,383 |
Net loans and leases to deposits | 67.5650% | 4,139 |
Net loans and leases to core deposits | 77.7494% | 3,362 |
Total domestic deposits to total assets | 90.8067% | 643 |
Equity capital to assets | 7.7950% | 6,634 |
Core capital (leverage) ratio | 7.8249% | 6,394 |
Tier 1 risk-based capital ratio | 12.5581% | 5,559 |
Total risk-based capital ratio | 13.8109% | 5,524 |
Memoranda: | ||
Average total assets | $270,828,000 | 2,375 |
Average earning assets | $250,141,000 | 2,363 |
Average equity | $21,398,000 | 3,059 |
Average total loans | $171,055,500 | 2,349 |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3472% | 5,611 |
Cost of funding earning assets | 0.7426% | 5,260 |
Net interest margin | 3.6046% | 4,712 |
Noninterest income to average assets | 0.9218% | 1,598 |
Noninterest expense to average assets | 3.5336% | 1,904 |
Loan and lease loss provision to assets | 0.2287% | 3,910 |
Net operating income to assets | 0.3593% | 5,037 |
Return on assets (ROA) | 0.3593% | 5,200 |
Pretax return on assets | 0.5005% | 4,989 |
Return on Equity (ROE) | 4.4979% | 4,629 |
Retained earnings to average equity (ytd only) | 1.8011% | 4,927 |
Net charge-offs to loans | 0.1893% | 4,632 |
Credit loss provision to net charge-offs | 183.5866% | 1,403 |
Earnings coverage of net charge-offs (x) | 5.8541% | 2,664 |
Efficiency ratio | 82.8952% | 1,900 |
Assets per employee ($millions) | 2.9073% | 6,275 |
Cash dividends to net income (ytd only)* | 59.9579% | 1,567 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4534% | 4,217 |
Loan loss allowance to noncurrent loans | 149.6995% | 2,136 |
Noncurrent assets plus other real estate owned to assets | 0.7945% | 5,043 |
Noncurrent loans to loans | 0.9709% | 4,766 |
Net loans and leases to total assets | 63.1474% | 3,370 |
Net loans and leases to deposits | 69.6919% | 4,159 |
Net loans and leases to core deposits | 77.1567% | 3,801 |
Total domestic deposits to total assets | 90.6093% | 661 |
Equity capital to assets | 8.0096% | 6,568 |
Core capital (leverage) ratio | 7.7909% | 6,447 |
Tier 1 risk-based capital ratio | 12.4326% | 5,505 |
Total risk-based capital ratio | 13.6857% | 5,483 |
Memoranda: | ||
Average total assets | $264,147,400 | 2,389 |
Average earning assets | $244,823,000 | 2,349 |
Average equity | $21,098,600 | 2,997 |
Average total loans | $173,790,800 | 2,333 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3926% | 5,629 |
Cost of funding earning assets | 0.7586% | 5,413 |
Net interest margin | 3.6340% | 4,642 |
Noninterest income to average assets | 0.8983% | 1,659 |
Noninterest expense to average assets | 3.5900% | 1,727 |
Loan and lease loss provision to assets | 0.2279% | 3,732 |
Net operating income to assets | 0.3286% | 5,297 |
Return on assets (ROA) | 0.3286% | 5,467 |
Pretax return on assets | 0.4522% | 5,311 |
Return on Equity (ROE) | 4.1171% | 4,949 |
Retained earnings to average equity (ytd only) | 1.3449% | 5,467 |
Net charge-offs to loans | 0.1881% | 4,296 |
Credit loss provision to net charge-offs | 182.9268% | 1,619 |
Earnings coverage of net charge-offs (x) | 5.4594% | 2,776 |
Efficiency ratio | 84.0745% | 1,724 |
Assets per employee ($millions) | 2.8731% | 6,365 |
Cash dividends to net income (ytd only)* | 67.3343% | 958 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3948% | 4,585 |
Loan loss allowance to noncurrent loans | 141.1902% | 2,137 |
Noncurrent assets plus other real estate owned to assets | 1.0314% | 4,698 |
Noncurrent loans to loans | 0.9879% | 4,913 |
Net loans and leases to total assets | 64.0266% | 3,302 |
Net loans and leases to deposits | 70.7145% | 4,184 |
Net loans and leases to core deposits | 77.8120% | 3,936 |
Total domestic deposits to total assets | 90.5423% | 612 |
Equity capital to assets | 7.9629% | 6,716 |
Core capital (leverage) ratio | 7.9278% | 6,458 |
Tier 1 risk-based capital ratio | 12.3977% | 5,583 |
Total risk-based capital ratio | 13.6497% | 5,567 |
Memoranda: | ||
Average total assets | $263,317,250 | 2,411 |
Average earning assets | $244,314,250 | 2,363 |
Average equity | $21,017,500 | 3,005 |
Average total loans | $174,391,000 | 2,331 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3975% | 5,704 |
Cost of funding earning assets | 0.7681% | 5,573 |
Net interest margin | 3.6294% | 4,606 |
Noninterest income to average assets | 0.9610% | 1,428 |
Noninterest expense to average assets | 3.5692% | 1,814 |
Loan and lease loss provision to assets | 0.2290% | 3,621 |
Net operating income to assets | 0.3786% | 5,041 |
Return on assets (ROA) | 0.3786% | 5,180 |
Pretax return on assets | 0.5351% | 4,952 |
Return on Equity (ROE) | 4.7394% | 4,573 |
Retained earnings to average equity (ytd only) | 1.8250% | 5,078 |
Net charge-offs to loans | 0.0847% | 4,791 |
Credit loss provision to net charge-offs | 405.4054% | 739 |
Earnings coverage of net charge-offs (x) | 13.5270% | 1,537 |
Efficiency ratio | 82.3674% | 2,052 |
Assets per employee ($millions) | 2.7999% | 6,470 |
Cash dividends to net income (ytd only)* | 61.4919% | 1,301 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3816% | 4,664 |
Loan loss allowance to noncurrent loans | 225.0691% | 1,364 |
Noncurrent assets plus other real estate owned to assets | 0.9286% | 5,006 |
Noncurrent loans to loans | 0.6138% | 5,696 |
Net loans and leases to total assets | 66.9423% | 2,831 |
Net loans and leases to deposits | 74.6072% | 3,704 |
Net loans and leases to core deposits | 81.1373% | 3,631 |
Total domestic deposits to total assets | 89.7263% | 1,110 |
Equity capital to assets | 8.1185% | 6,589 |
Core capital (leverage) ratio | 7.9923% | 6,308 |
Tier 1 risk-based capital ratio | 12.1175% | 5,697 |
Total risk-based capital ratio | 13.3697% | 5,663 |
Memoranda: | ||
Average total assets | $262,023,000 | 2,442 |
Average earning assets | $243,458,670 | 2,385 |
Average equity | $20,931,000 | 3,011 |
Average total loans | $174,688,330 | 2,356 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3511% | 5,845 |
Cost of funding earning assets | 0.7772% | 5,694 |
Net interest margin | 3.5740% | 4,697 |
Noninterest income to average assets | 0.9512% | 1,466 |
Noninterest expense to average assets | 3.5885% | 1,791 |
Loan and lease loss provision to assets | 0.2283% | 3,373 |
Net operating income to assets | 0.3348% | 5,249 |
Return on assets (ROA) | 0.3348% | 5,328 |
Pretax return on assets | 0.4657% | 5,137 |
Return on Equity (ROE) | 4.2254% | 4,784 |
Retained earnings to average equity (ytd only) | 0.9219% | 5,461 |
Net charge-offs to loans | 0.0092% | 4,973 |
Credit loss provision to net charge-offs | 3,750.0000% | 95 |
Earnings coverage of net charge-offs (x) | 114.0000% | 289 |
Efficiency ratio | 83.7953% | 1,980 |
Assets per employee ($millions) | 2.7690% | 6,587 |
Cash dividends to net income (ytd only)* | 78.1818% | 870 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3583% | 4,866 |
Loan loss allowance to noncurrent loans | 140.5116% | 2,110 |
Noncurrent assets plus other real estate owned to assets | 1.0640% | 4,796 |
Noncurrent loans to loans | 0.9667% | 5,112 |
Net loans and leases to total assets | 65.2088% | 3,197 |
Net loans and leases to deposits | 72.0766% | 4,066 |
Net loans and leases to core deposits | 77.8523% | 4,041 |
Total domestic deposits to total assets | 90.4716% | 854 |
Equity capital to assets | 7.9299% | 6,565 |
Core capital (leverage) ratio | 7.9672% | 6,293 |
Tier 1 risk-based capital ratio | 12.3499% | 5,395 |
Total risk-based capital ratio | 13.6018% | 5,385 |
Memoranda: | ||
Average total assets | $262,838,000 | 2,447 |
Average earning assets | $244,995,000 | 2,399 |
Average equity | $20,826,500 | 3,005 |
Average total loans | $173,655,000 | 2,378 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7782% | 5,495 |
Cost of funding earning assets | 0.9124% | 6,120 |
Net interest margin | 3.8658% | 3,661 |
Noninterest income to average assets | 1.0648% | 1,320 |
Noninterest expense to average assets | 3.7642% | 1,552 |
Loan and lease loss provision to assets | 0.2790% | 4,576 |
Net operating income to assets | 0.4035% | 4,523 |
Return on assets (ROA) | 0.4035% | 4,660 |
Pretax return on assets | 0.5901% | 4,357 |
Return on Equity (ROE) | 4.9563% | 4,087 |
Retained earnings to average equity (ytd only) | 2.0000% | 4,467 |
Net charge-offs to loans | 0.4879% | 3,670 |
Credit loss provision to net charge-offs | 82.6698% | 5,461 |
Earnings coverage of net charge-offs (x) | 2.5749% | 3,823 |
Efficiency ratio | 81.2420% | 2,254 |
Assets per employee ($millions) | 2.7356% | 6,632 |
Cash dividends to net income (ytd only)* | 59.6474% | 1,639 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2779% | 5,117 |
Loan loss allowance to noncurrent loans | 111.0220% | 2,621 |
Noncurrent assets plus other real estate owned to assets | 1.1644% | 4,682 |
Noncurrent loans to loans | 1.1510% | 4,803 |
Net loans and leases to total assets | 65.1879% | 3,627 |
Net loans and leases to deposits | 72.0402% | 4,510 |
Net loans and leases to core deposits | 76.2085% | 4,682 |
Total domestic deposits to total assets | 90.4882% | 841 |
Equity capital to assets | 7.9175% | 6,565 |
Core capital (leverage) ratio | 7.8800% | 6,345 |
Tier 1 risk-based capital ratio | 11.8883% | 5,579 |
Total risk-based capital ratio | 13.1386% | 5,563 |
Memoranda: | ||
Average total assets | $253,015,400 | 2,518 |
Average earning assets | $233,561,200 | 2,496 |
Average equity | $20,600,200 | 3,059 |
Average total loans | $175,033,400 | 2,404 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8204% | 5,575 |
Cost of funding earning assets | 0.9422% | 6,214 |
Net interest margin | 3.8782% | 3,621 |
Noninterest income to average assets | 0.9613% | 1,578 |
Noninterest expense to average assets | 3.7427% | 1,489 |
Loan and lease loss provision to assets | 0.2320% | 4,752 |
Net operating income to assets | 0.4006% | 4,748 |
Return on assets (ROA) | 0.4006% | 4,924 |
Pretax return on assets | 0.5560% | 4,741 |
Return on Equity (ROE) | 4.8850% | 4,349 |
Retained earnings to average equity (ytd only) | 1.7970% | 5,064 |
Net charge-offs to loans | 0.3473% | 3,919 |
Credit loss provision to net charge-offs | 95.4048% | 4,548 |
Earnings coverage of net charge-offs (x) | 3.2407% | 3,525 |
Efficiency ratio | 82.6092% | 1,997 |
Assets per employee ($millions) | 2.6633% | 6,833 |
Cash dividends to net income (ytd only)* | 63.2140% | 1,129 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3147% | 4,873 |
Loan loss allowance to noncurrent loans | 154.2462% | 1,838 |
Noncurrent assets plus other real estate owned to assets | 0.9282% | 5,243 |
Noncurrent loans to loans | 0.8524% | 5,516 |
Net loans and leases to total assets | 68.0750% | 3,193 |
Net loans and leases to deposits | 75.4856% | 4,264 |
Net loans and leases to core deposits | 78.3931% | 4,756 |
Total domestic deposits to total assets | 90.1828% | 783 |
Equity capital to assets | 8.0451% | 6,761 |
Core capital (leverage) ratio | 7.9085% | 6,454 |
Tier 1 risk-based capital ratio | 11.5411% | 5,889 |
Total risk-based capital ratio | 12.7918% | 5,880 |
Memoranda: | ||
Average total assets | $250,614,000 | 2,572 |
Average earning assets | $230,650,500 | 2,559 |
Average equity | $20,552,000 | 3,111 |
Average total loans | $175,438,500 | 2,441 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8251% | 5,701 |
Cost of funding earning assets | 0.9694% | 6,293 |
Net interest margin | 3.8557% | 3,652 |
Noninterest income to average assets | 0.9821% | 1,430 |
Noninterest expense to average assets | 3.7962% | 1,365 |
Loan and lease loss provision to assets | 0.2548% | 4,382 |
Net operating income to assets | 0.3427% | 5,002 |
Return on assets (ROA) | 0.3427% | 5,172 |
Pretax return on assets | 0.4653% | 5,016 |
Return on Equity (ROE) | 4.1515% | 4,711 |
Retained earnings to average equity (ytd only) | 0.8889% | 5,415 |
Net charge-offs to loans | 0.0080% | 6,247 |
Credit loss provision to net charge-offs | 4,514.2857% | 84 |
Earnings coverage of net charge-offs (x) | 127.5714% | 265 |
Efficiency ratio | 84.0564% | 1,914 |
Assets per employee ($millions) | 2.6579% | 6,846 |
Cash dividends to net income (ytd only)* | 78.5882% | 791 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5066% | 3,888 |
Loan loss allowance to noncurrent loans | 135.9613% | 2,044 |
Noncurrent assets plus other real estate owned to assets | 1.0605% | 5,019 |
Noncurrent loans to loans | 1.1081% | 5,106 |
Net loans and leases to total assets | 67.7805% | 3,429 |
Net loans and leases to deposits | 75.0274% | 4,510 |
Net loans and leases to core deposits | 79.4225% | 4,754 |
Total domestic deposits to total assets | 90.3411% | 750 |
Equity capital to assets | 7.9755% | 6,777 |
Core capital (leverage) ratio | 8.1814% | 5,974 |
Tier 1 risk-based capital ratio | 11.5380% | 5,728 |
Total risk-based capital ratio | 12.7915% | 5,700 |
Memoranda: | ||
Average total assets | $248,037,670 | 2,619 |
Average earning assets | $227,353,000 | 2,605 |
Average equity | $20,474,670 | 3,111 |
Average total loans | $174,514,670 | 2,485 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9068% | 5,439 |
Cost of funding earning assets | 1.0138% | 6,308 |
Net interest margin | 3.8930% | 3,364 |
Noninterest income to average assets | 1.0084% | 1,274 |
Noninterest expense to average assets | 3.8643% | 1,223 |
Loan and lease loss provision to assets | 0.3224% | 3,481 |
Net operating income to assets | 0.2862% | 5,347 |
Return on assets (ROA) | 0.2862% | 5,480 |
Pretax return on assets | 0.3718% | 5,374 |
Return on Equity (ROE) | 3.4066% | 5,164 |
Retained earnings to average equity (ytd only) | -0.5482% | 5,963 |
Net charge-offs to loans | 0.0139% | 5,393 |
Credit loss provision to net charge-offs | 3,266.6667% | 144 |
Earnings coverage of net charge-offs (x) | 70.3333% | 438 |
Efficiency ratio | 84.7708% | 1,936 |
Assets per employee ($millions) | 2.5676% | 7,101 |
Cash dividends to net income (ytd only)* | 116.0920% | 458 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4730% | 4,054 |
Loan loss allowance to noncurrent loans | 100.5908% | 2,763 |
Noncurrent assets plus other real estate owned to assets | 1.3785% | 4,441 |
Noncurrent loans to loans | 1.4643% | 4,549 |
Net loans and leases to total assets | 70.7825% | 2,741 |
Net loans and leases to deposits | 78.8490% | 3,871 |
Net loans and leases to core deposits | 82.6156% | 4,404 |
Total domestic deposits to total assets | 89.7697% | 1,102 |
Equity capital to assets | 8.4607% | 6,060 |
Core capital (leverage) ratio | 8.3441% | 5,657 |
Tier 1 risk-based capital ratio | 11.6671% | 5,516 |
Total risk-based capital ratio | 12.9199% | 5,471 |
Memoranda: | ||
Average total assets | $243,150,000 | 2,730 |
Average earning assets | $221,732,000 | 2,715 |
Average equity | $20,431,000 | 3,141 |
Average total loans | $173,062,000 | 2,569 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2389% | 5,468 |
Cost of funding earning assets | 1.2835% | 6,367 |
Net interest margin | 3.9554% | 3,055 |
Noninterest income to average assets | 1.2473% | 972 |
Noninterest expense to average assets | 3.9890% | 1,379 |
Loan and lease loss provision to assets | 0.2342% | 5,497 |
Net operating income to assets | 0.4731% | 3,845 |
Return on assets (ROA) | 0.4731% | 3,950 |
Pretax return on assets | 0.6484% | 3,748 |
Return on Equity (ROE) | 5.4832% | 3,436 |
Retained earnings to average equity (ytd only) | 2.0667% | 3,659 |
Net charge-offs to loans | 0.2186% | 5,255 |
Credit loss provision to net charge-offs | 143.7173% | 3,336 |
Earnings coverage of net charge-offs (x) | 5.4162% | 2,606 |
Efficiency ratio | 81.8827% | 2,618 |
Assets per employee ($millions) | 2.6058% | 7,031 |
Cash dividends to net income (ytd only)* | 62.3084% | 1,894 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3686% | 4,394 |
Loan loss allowance to noncurrent loans | 64.8026% | 4,154 |
Noncurrent assets plus other real estate owned to assets | 1.8110% | 3,652 |
Noncurrent loans to loans | 2.1119% | 3,499 |
Net loans and leases to total assets | 69.5539% | 3,348 |
Net loans and leases to deposits | 77.8543% | 4,406 |
Net loans and leases to core deposits | 88.6522% | 5,257 |
Total domestic deposits to total assets | 89.3386% | 1,306 |
Equity capital to assets | 8.3454% | 6,132 |
Core capital (leverage) ratio | 8.3480% | 5,540 |
Tier 1 risk-based capital ratio | 11.9190% | 5,017 |
Total risk-based capital ratio | 13.1706% | 4,965 |
Memoranda: | ||
Average total assets | $234,418,200 | 2,773 |
Average earning assets | $214,796,800 | 2,767 |
Average equity | $20,225,600 | 3,163 |
Average total loans | $174,724,200 | 2,577 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2960% | 5,444 |
Cost of funding earning assets | 1.3434% | 6,420 |
Net interest margin | 3.9526% | 3,024 |
Noninterest income to average assets | 1.3391% | 858 |
Noninterest expense to average assets | 4.0531% | 1,209 |
Loan and lease loss provision to assets | 0.2307% | 5,125 |
Net operating income to assets | 0.5004% | 3,981 |
Return on assets (ROA) | 0.5004% | 4,072 |
Pretax return on assets | 0.6943% | 3,875 |
Return on Equity (ROE) | 5.7505% | 3,627 |
Retained earnings to average equity (ytd only) | 2.5448% | 3,894 |
Net charge-offs to loans | 0.0335% | 6,429 |
Credit loss provision to net charge-offs | 911.3636% | 408 |
Earnings coverage of net charge-offs (x) | 36.5425% | 801 |
Efficiency ratio | 81.4190% | 2,661 |
Assets per employee ($millions) | 2.5160% | 7,207 |
Cash dividends to net income (ytd only)* | 55.7471% | 1,778 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4571% | 3,657 |
Loan loss allowance to noncurrent loans | 82.0167% | 3,329 |
Noncurrent assets plus other real estate owned to assets | 1.6212% | 3,925 |
Noncurrent loans to loans | 1.7766% | 3,950 |
Net loans and leases to total assets | 72.2653% | 2,966 |
Net loans and leases to deposits | 82.5071% | 3,917 |
Net loans and leases to core deposits | 94.1774% | 4,998 |
Total domestic deposits to total assets | 87.5867% | 1,850 |
Equity capital to assets | 8.5537% | 6,181 |
Core capital (leverage) ratio | 8.5210% | 5,455 |
Tier 1 risk-based capital ratio | 11.7252% | 5,220 |
Total risk-based capital ratio | 12.9783% | 5,164 |
Memoranda: | ||
Average total assets | $231,785,750 | 2,822 |
Average earning assets | $213,388,250 | 2,807 |
Average equity | $20,171,500 | 3,205 |
Average total loans | $175,221,500 | 2,601 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.4167% | 5,054 |
Cost of funding earning assets | 1.4126% | 6,436 |
Net interest margin | 4.0041% | 2,683 |
Noninterest income to average assets | 1.4640% | 689 |
Noninterest expense to average assets | 4.1565% | 1,121 |
Loan and lease loss provision to assets | 0.2101% | 4,943 |
Net operating income to assets | 0.5450% | 3,904 |
Return on assets (ROA) | 0.5450% | 4,024 |
Pretax return on assets | 0.7725% | 3,770 |
Return on Equity (ROE) | 6.2250% | 3,548 |
Retained earnings to average equity (ytd only) | 3.0079% | 3,644 |
Net charge-offs to loans | 0.0468% | 5,824 |
Credit loss provision to net charge-offs | 587.8049% | 792 |
Earnings coverage of net charge-offs (x) | 27.4878% | 1,056 |
Efficiency ratio | 80.8789% | 2,904 |
Assets per employee ($millions) | 2.4616% | 7,322 |
Cash dividends to net income (ytd only)* | 51.6800% | 1,981 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3682% | 3,896 |
Loan loss allowance to noncurrent loans | 67.9037% | 4,033 |
Noncurrent assets plus other real estate owned to assets | 1.7925% | 3,489 |
Noncurrent loans to loans | 2.0150% | 3,495 |
Net loans and leases to total assets | 73.1201% | 2,932 |
Net loans and leases to deposits | 83.0815% | 4,030 |
Net loans and leases to core deposits | 94.4513% | 5,063 |
Total domestic deposits to total assets | 88.0100% | 1,772 |
Equity capital to assets | 8.5619% | 5,955 |
Core capital (leverage) ratio | 8.6689% | 5,148 |
Tier 1 risk-based capital ratio | 11.9365% | 4,974 |
Total risk-based capital ratio | 13.1889% | 4,888 |
Memoranda: | ||
Average total assets | $229,375,000 | 2,869 |
Average earning assets | $210,534,330 | 2,864 |
Average equity | $20,080,330 | 3,230 |
Average total loans | $175,201,670 | 2,637 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.6356% | 4,134 |
Cost of funding earning assets | 1.4952% | 6,415 |
Net interest margin | 4.1403% | 2,125 |
Noninterest income to average assets | 1.3581% | 774 |
Noninterest expense to average assets | 4.0796% | 1,087 |
Loan and lease loss provision to assets | 0.2939% | 3,599 |
Net operating income to assets | 0.5471% | 4,227 |
Return on assets (ROA) | 0.5471% | 4,410 |
Pretax return on assets | 0.7844% | 4,132 |
Return on Equity (ROE) | 6.1788% | 3,967 |
Retained earnings to average equity (ytd only) | 2.9394% | 4,236 |
Net charge-offs to loans | 0.0502% | 4,769 |
Credit loss provision to net charge-offs | 754.5455% | 787 |
Earnings coverage of net charge-offs (x) | 27.6818% | 1,123 |
Efficiency ratio | 79.0937% | 2,983 |
Assets per employee ($millions) | 2.3476% | 7,530 |
Cash dividends to net income (ytd only)* | 52.4272% | 1,685 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3486% | 3,807 |
Loan loss allowance to noncurrent loans | 132.2599% | 2,401 |
Noncurrent assets plus other real estate owned to assets | 1.2015% | 4,269 |
Noncurrent loans to loans | 1.0197% | 4,959 |
Net loans and leases to total assets | 75.2019% | 2,457 |
Net loans and leases to deposits | 85.2017% | 3,773 |
Net loans and leases to core deposits | 96.1856% | 4,952 |
Total domestic deposits to total assets | 88.2634% | 1,601 |
Equity capital to assets | 8.8251% | 5,580 |
Core capital (leverage) ratio | 8.8429% | 4,919 |
Tier 1 risk-based capital ratio | 12.1229% | 4,848 |
Total risk-based capital ratio | 13.3749% | 4,749 |
Memoranda: | ||
Average total assets | $225,905,500 | 2,918 |
Average earning assets | $207,325,500 | 2,915 |
Average equity | $20,004,000 | 3,260 |
Average total loans | $175,207,500 | 2,653 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.2989% | 3,968 |
Cost of funding earning assets | 1.9344% | 6,629 |
Net interest margin | 4.3646% | 1,783 |
Noninterest income to average assets | 0.9799% | 1,648 |
Noninterest expense to average assets | 4.0340% | 1,366 |
Loan and lease loss provision to assets | 0.0979% | 6,135 |
Net operating income to assets | 0.5655% | 4,460 |
Return on assets (ROA) | 0.5655% | 4,313 |
Pretax return on assets | 0.8040% | 4,054 |
Return on Equity (ROE) | 6.3061% | 3,824 |
Retained earnings to average equity (ytd only) | -3.8894% | 6,303 |
Net charge-offs to loans | 0.1654% | 4,550 |
Credit loss provision to net charge-offs | 74.9153% | 5,998 |
Earnings coverage of net charge-offs (x) | 6.8983% | 3,247 |
Efficiency ratio | 81.7276% | 2,339 |
Assets per employee ($millions) | 2.2867% | 7,580 |
Cash dividends to net income (ytd only)* | 161.6771% | 433 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2425% | 4,217 |
Loan loss allowance to noncurrent loans | 139.4921% | 2,626 |
Noncurrent assets plus other real estate owned to assets | 1.1049% | 4,068 |
Noncurrent loans to loans | 0.8907% | 4,840 |
Net loans and leases to total assets | 77.9269% | 2,163 |
Net loans and leases to deposits | 88.7235% | 3,682 |
Net loans and leases to core deposits | 98.7235% | 4,959 |
Total domestic deposits to total assets | 87.8311% | 1,546 |
Equity capital to assets | 8.8855% | 5,517 |
Core capital (leverage) ratio | 8.8999% | 4,888 |
Tier 1 risk-based capital ratio | 11.9194% | 4,892 |
Total risk-based capital ratio | 13.1704% | 4,782 |
Memoranda: | ||
Average total assets | $225,634,400 | 2,824 |
Average earning assets | $204,511,000 | 2,846 |
Average equity | $20,234,400 | 3,191 |
Average total loans | $178,323,200 | 2,522 |