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Eastwood Bank, Performance and Condition Ratios
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 | 3.7357% | 4,690 |
Cost of funding earning assets | 0.3799% | 3,911 |
Net interest margin | 3.3559% | 4,386 |
Noninterest income to average assets | 0.9818% | 1,255 |
Noninterest expense to average assets | 3.3857% | 1,729 |
Loan and lease loss provision to assets | -0.0100% | 5,917 |
Net operating income to assets | 0.7543% | 3,606 |
Return on assets (ROA) | 1.0038% | 2,444 |
Pretax return on assets | 1.0062% | 3,469 |
Return on Equity (ROE) | 13.0569% | 1,124 |
Retained earnings to average equity (ytd only) | 1.1110% | 5,277 |
Net charge-offs to loans | 0.0451% | 3,922 |
Credit loss provision to net charge-offs | -36.6120% | 5,391 |
Earnings coverage of net charge-offs (x) | 27.2295% | 1,438 |
Efficiency ratio | 79.8426% | 1,955 |
Assets per employee ($millions) | 4.0266% | 3,895 |
Cash dividends to net income (ytd only)* | 91.4913% | 546 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2075% | 3,950 |
Loan loss allowance to noncurrent loans | 171.7750% | 2,532 |
Noncurrent assets plus other real estate owned to assets | 0.5291% | 4,036 |
Noncurrent loans to loans | 0.7029% | 3,571 |
Net loans and leases to total assets | 63.5747% | 3,282 |
Net loans and leases to deposits | 77.1981% | 3,060 |
Net loans and leases to core deposits | 79.0597% | 3,402 |
Total domestic deposits to total assets | 82.3526% | 4,292 |
Equity capital to assets | 7.9526% | 6,090 |
Core capital (leverage) ratio | 7.7825% | 6,104 |
Tier 1 risk-based capital ratio | 11.2170% | 5,809 |
Total risk-based capital ratio | 12.3206% | 5,825 |
Memoranda: | ||
Average total assets | $667,369,000 | 998 |
Average earning assets | $626,545,400 | 979 |
Average equity | $51,306,400 | 1,416 |
Average total loans | $405,932,200 | 1,082 |
2014-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7787% | 4,624 |
Cost of funding earning assets | 0.3855% | 3,952 |
Net interest margin | 3.3932% | 4,269 |
Noninterest income to average assets | 0.9391% | 1,399 |
Noninterest expense to average assets | 3.2910% | 1,918 |
Loan and lease loss provision to assets | -0.0096% | 6,088 |
Net operating income to assets | 0.8444% | 3,208 |
Return on assets (ROA) | 0.9455% | 2,793 |
Pretax return on assets | 0.9481% | 3,801 |
Return on Equity (ROE) | 12.4028% | 1,369 |
Retained earnings to average equity (ytd only) | -0.6003% | 5,891 |
Net charge-offs to loans | 0.0670% | 3,245 |
Credit loss provision to net charge-offs | -23.7624% | 5,287 |
Earnings coverage of net charge-offs (x) | 20.8364% | 1,705 |
Efficiency ratio | 77.3542% | 2,294 |
Assets per employee ($millions) | 3.9156% | 4,049 |
Cash dividends to net income (ytd only)* | 104.8401% | 310 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2529% | 3,927 |
Loan loss allowance to noncurrent loans | 156.6820% | 2,636 |
Noncurrent assets plus other real estate owned to assets | 0.5596% | 4,181 |
Noncurrent loans to loans | 0.7997% | 3,583 |
Net loans and leases to total assets | 60.0300% | 3,782 |
Net loans and leases to deposits | 74.2082% | 3,410 |
Net loans and leases to core deposits | 75.8993% | 3,755 |
Total domestic deposits to total assets | 80.8941% | 4,849 |
Equity capital to assets | 7.7158% | 6,239 |
Core capital (leverage) ratio | 7.6666% | 6,225 |
Tier 1 risk-based capital ratio | 11.4162% | 5,829 |
Total risk-based capital ratio | 12.5578% | 5,814 |
Memoranda: | ||
Average total assets | $670,126,250 | 1,008 |
Average earning assets | $629,865,250 | 986 |
Average equity | $51,084,000 | 1,426 |
Average total loans | $401,823,750 | 1,091 |
2014-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8129% | 4,479 |
Cost of funding earning assets | 0.3944% | 3,924 |
Net interest margin | 3.4186% | 4,105 |
Noninterest income to average assets | 0.9443% | 1,344 |
Noninterest expense to average assets | 3.2800% | 1,969 |
Loan and lease loss provision to assets | 0.0594% | 3,084 |
Net operating income to assets | 0.8092% | 3,278 |
Return on assets (ROA) | 0.8921% | 2,946 |
Pretax return on assets | 0.8951% | 3,906 |
Return on Equity (ROE) | 11.7506% | 1,499 |
Retained earnings to average equity (ytd only) | 0.3773% | 5,587 |
Net charge-offs to loans | 0.1745% | 1,993 |
Credit loss provision to net charge-offs | 57.0201% | 2,683 |
Earnings coverage of net charge-offs (x) | 8.3696% | 2,502 |
Efficiency ratio | 76.1032% | 2,610 |
Assets per employee ($millions) | 4.0478% | 3,739 |
Cash dividends to net income (ytd only)* | 96.7893% | 570 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2874% | 3,921 |
Loan loss allowance to noncurrent loans | 142.7003% | 2,824 |
Noncurrent assets plus other real estate owned to assets | 0.6175% | 4,120 |
Noncurrent loans to loans | 0.9022% | 3,448 |
Net loans and leases to total assets | 59.3387% | 3,813 |
Net loans and leases to deposits | 74.7724% | 3,229 |
Net loans and leases to core deposits | 76.6459% | 3,560 |
Total domestic deposits to total assets | 79.3590% | 5,372 |
Equity capital to assets | 7.7420% | 6,278 |
Core capital (leverage) ratio | 7.7156% | 6,241 |
Tier 1 risk-based capital ratio | 11.3465% | 5,878 |
Total risk-based capital ratio | 12.4968% | 5,878 |
Memoranda: | ||
Average total assets | $670,310,670 | 1,007 |
Average earning assets | $628,859,000 | 982 |
Average equity | $50,891,000 | 1,427 |
Average total loans | $400,083,330 | 1,090 |
2014-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8050% | 4,466 |
Cost of funding earning assets | 0.4035% | 3,930 |
Net interest margin | 3.4015% | 4,109 |
Noninterest income to average assets | 0.8974% | 1,397 |
Noninterest expense to average assets | 3.3099% | 1,925 |
Loan and lease loss provision to assets | 0.0819% | 2,525 |
Net operating income to assets | 0.6925% | 3,727 |
Return on assets (ROA) | 0.7863% | 3,301 |
Pretax return on assets | 0.7875% | 4,158 |
Return on Equity (ROE) | 10.4598% | 1,883 |
Retained earnings to average equity (ytd only) | -3.6164% | 6,023 |
Net charge-offs to loans | 0.2883% | 1,199 |
Credit loss provision to net charge-offs | 47.7352% | 2,229 |
Earnings coverage of net charge-offs (x) | 4.5226% | 2,515 |
Efficiency ratio | 77.7567% | 2,510 |
Assets per employee ($millions) | 3.9880% | 3,971 |
Cash dividends to net income (ytd only)* | 134.5745% | 459 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3100% | 4,074 |
Loan loss allowance to noncurrent loans | 108.1081% | 3,421 |
Noncurrent assets plus other real estate owned to assets | 0.9520% | 3,348 |
Noncurrent loans to loans | 1.2117% | 3,022 |
Net loans and leases to total assets | 58.4715% | 3,767 |
Net loans and leases to deposits | 72.6046% | 3,260 |
Net loans and leases to core deposits | 74.4345% | 3,597 |
Total domestic deposits to total assets | 80.5341% | 5,377 |
Equity capital to assets | 7.5535% | 6,298 |
Core capital (leverage) ratio | 7.6785% | 6,273 |
Tier 1 risk-based capital ratio | 11.3666% | 5,982 |
Total risk-based capital ratio | 12.5344% | 5,975 |
Memoranda: | ||
Average total assets | $669,498,000 | 1,016 |
Average earning assets | $627,485,500 | 992 |
Average equity | $50,326,000 | 1,440 |
Average total loans | $398,166,000 | 1,102 |
2013-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1135% | 3,683 |
Cost of funding earning assets | 0.5059% | 3,545 |
Net interest margin | 3.6076% | 3,438 |
Noninterest income to average assets | 1.2086% | 964 |
Noninterest expense to average assets | 3.5576% | 1,532 |
Loan and lease loss provision to assets | 0.0172% | 4,789 |
Net operating income to assets | 1.0044% | 2,310 |
Return on assets (ROA) | 1.0788% | 2,081 |
Pretax return on assets | 1.0802% | 3,028 |
Return on Equity (ROE) | 12.7511% | 1,221 |
Retained earnings to average equity (ytd only) | 5.4164% | 2,338 |
Net charge-offs to loans | 0.1763% | 3,067 |
Credit loss provision to net charge-offs | 16.0305% | 4,512 |
Earnings coverage of net charge-offs (x) | 9.5450% | 2,490 |
Efficiency ratio | 75.3679% | 2,881 |
Assets per employee ($millions) | 3.8896% | 4,089 |
Cash dividends to net income (ytd only)* | 57.5220% | 1,895 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3396% | 3,941 |
Loan loss allowance to noncurrent loans | 112.7265% | 3,304 |
Noncurrent assets plus other real estate owned to assets | 0.8992% | 3,642 |
Noncurrent loans to loans | 1.1883% | 3,165 |
Net loans and leases to total assets | 58.8977% | 3,890 |
Net loans and leases to deposits | 73.1262% | 3,383 |
Net loans and leases to core deposits | 75.2182% | 3,703 |
Total domestic deposits to total assets | 80.5425% | 5,308 |
Equity capital to assets | 7.4804% | 6,292 |
Core capital (leverage) ratio | 7.6717% | 6,318 |
Tier 1 risk-based capital ratio | 11.2697% | 6,042 |
Total risk-based capital ratio | 12.4544% | 6,021 |
Memoranda: | ||
Average total assets | $611,207,000 | 1,090 |
Average earning assets | $571,265,600 | 1,065 |
Average equity | $51,713,000 | 1,377 |
Average total loans | $371,493,000 | 1,148 |
2013-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1139% | 3,700 |
Cost of funding earning assets | 0.5248% | 3,524 |
Net interest margin | 3.5891% | 3,496 |
Noninterest income to average assets | 1.2863% | 891 |
Noninterest expense to average assets | 3.4709% | 1,673 |
Loan and lease loss provision to assets | -0.0282% | 6,507 |
Net operating income to assets | 1.1976% | 1,646 |
Return on assets (ROA) | 1.2992% | 1,415 |
Pretax return on assets | 1.3006% | 2,326 |
Return on Equity (ROE) | 14.8727% | 818 |
Retained earnings to average equity (ytd only) | 5.3608% | 2,825 |
Net charge-offs to loans | 0.1551% | 2,998 |
Credit loss provision to net charge-offs | -29.7170% | 5,669 |
Earnings coverage of net charge-offs (x) | 12.3585% | 2,142 |
Efficiency ratio | 72.7413% | 3,274 |
Assets per employee ($millions) | 3.8931% | 4,047 |
Cash dividends to net income (ytd only)* | 63.9552% | 1,304 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4698% | 3,591 |
Loan loss allowance to noncurrent loans | 106.7012% | 3,327 |
Noncurrent assets plus other real estate owned to assets | 1.0010% | 3,657 |
Noncurrent loans to loans | 1.3775% | 3,112 |
Net loans and leases to total assets | 56.5180% | 4,243 |
Net loans and leases to deposits | 71.6909% | 3,550 |
Net loans and leases to core deposits | 73.8853% | 3,860 |
Total domestic deposits to total assets | 78.8356% | 5,778 |
Equity capital to assets | 7.8684% | 6,225 |
Core capital (leverage) ratio | 8.0299% | 6,198 |
Tier 1 risk-based capital ratio | 12.0776% | 5,734 |
Total risk-based capital ratio | 13.3287% | 5,668 |
Memoranda: | ||
Average total assets | $596,755,500 | 1,123 |
Average earning assets | $557,905,000 | 1,098 |
Average equity | $52,130,000 | 1,372 |
Average total loans | $364,520,500 | 1,178 |
2013-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1645% | 3,489 |
Cost of funding earning assets | 0.5514% | 3,395 |
Net interest margin | 3.6131% | 3,309 |
Noninterest income to average assets | 1.3712% | 836 |
Noninterest expense to average assets | 3.4806% | 1,648 |
Loan and lease loss provision to assets | -0.0921% | 6,702 |
Net operating income to assets | 1.3534% | 1,183 |
Return on assets (ROA) | 1.5092% | 950 |
Pretax return on assets | 1.5106% | 1,584 |
Return on Equity (ROE) | 16.6771% | 581 |
Retained earnings to average equity (ytd only) | 4.2449% | 3,593 |
Net charge-offs to loans | 0.1541% | 2,869 |
Credit loss provision to net charge-offs | -95.7295% | 5,614 |
Earnings coverage of net charge-offs (x) | 13.1246% | 1,925 |
Efficiency ratio | 71.3512% | 3,586 |
Assets per employee ($millions) | 3.7227% | 4,365 |
Cash dividends to net income (ytd only)* | 74.5463% | 1,053 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4502% | 3,809 |
Loan loss allowance to noncurrent loans | 111.9013% | 3,177 |
Noncurrent assets plus other real estate owned to assets | 0.8776% | 4,046 |
Noncurrent loans to loans | 1.2959% | 3,389 |
Net loans and leases to total assets | 61.0398% | 3,476 |
Net loans and leases to deposits | 73.8453% | 3,179 |
Net loans and leases to core deposits | 76.3274% | 3,507 |
Total domestic deposits to total assets | 82.6591% | 4,828 |
Equity capital to assets | 8.4559% | 5,813 |
Core capital (leverage) ratio | 8.3219% | 5,860 |
Tier 1 risk-based capital ratio | 11.9368% | 5,828 |
Total risk-based capital ratio | 13.1882% | 5,777 |
Memoranda: | ||
Average total assets | $584,149,000 | 1,153 |
Average earning assets | $545,180,330 | 1,122 |
Average equity | $52,863,000 | 1,359 |
Average total loans | $364,694,330 | 1,170 |
2013-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1731% | 3,414 |
Cost of funding earning assets | 0.5778% | 3,311 |
Net interest margin | 3.5953% | 3,286 |
Noninterest income to average assets | 1.4322% | 743 |
Noninterest expense to average assets | 3.4910% | 1,640 |
Loan and lease loss provision to assets | -0.1763% | 6,887 |
Net operating income to assets | 1.4640% | 926 |
Return on assets (ROA) | 1.4640% | 1,007 |
Pretax return on assets | 1.4654% | 1,669 |
Return on Equity (ROE) | 15.6492% | 654 |
Retained earnings to average equity (ytd only) | 0.1996% | 5,718 |
Net charge-offs to loans | 0.1048% | 2,825 |
Credit loss provision to net charge-offs | -268.4211% | 5,325 |
Earnings coverage of net charge-offs (x) | 19.6211% | 1,211 |
Efficiency ratio | 71.0069% | 3,786 |
Assets per employee ($millions) | 3.7569% | 4,439 |
Cash dividends to net income (ytd only)* | 98.7246% | 662 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5288% | 3,704 |
Loan loss allowance to noncurrent loans | 94.3717% | 3,515 |
Noncurrent assets plus other real estate owned to assets | 1.1243% | 3,688 |
Noncurrent loans to loans | 1.6200% | 3,109 |
Net loans and leases to total assets | 61.3882% | 3,194 |
Net loans and leases to deposits | 72.8577% | 3,076 |
Net loans and leases to core deposits | 75.2592% | 3,425 |
Total domestic deposits to total assets | 84.2576% | 4,370 |
Equity capital to assets | 9.2202% | 5,229 |
Core capital (leverage) ratio | 8.3879% | 5,724 |
Tier 1 risk-based capital ratio | 11.8321% | 6,011 |
Total risk-based capital ratio | 13.0845% | 5,985 |
Memoranda: | ||
Average total assets | $578,408,000 | 1,168 |
Average earning assets | $538,595,500 | 1,148 |
Average equity | $54,111,500 | 1,347 |
Average total loans | $362,580,500 | 1,182 |
2012-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6015% | 2,998 |
Cost of funding earning assets | 0.7292% | 3,266 |
Net interest margin | 3.8723% | 2,935 |
Noninterest income to average assets | 1.2008% | 1,088 |
Noninterest expense to average assets | 3.4746% | 1,886 |
Loan and lease loss provision to assets | 0.1001% | 4,389 |
Net operating income to assets | 1.2287% | 1,509 |
Return on assets (ROA) | 1.2616% | 1,574 |
Pretax return on assets | 1.2607% | 2,565 |
Return on Equity (ROE) | 13.3339% | 1,146 |
Retained earnings to average equity (ytd only) | 5.6229% | 2,296 |
Net charge-offs to loans | 0.3444% | 2,909 |
Credit loss provision to net charge-offs | 46.1028% | 4,783 |
Earnings coverage of net charge-offs (x) | 6.1136% | 2,873 |
Efficiency ratio | 70.1819% | 3,778 |
Assets per employee ($millions) | 3.6827% | 4,602 |
Cash dividends to net income (ytd only)* | 57.8301% | 1,911 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6292% | 3,187 |
Loan loss allowance to noncurrent loans | 111.7001% | 3,061 |
Noncurrent assets plus other real estate owned to assets | 1.0444% | 3,941 |
Noncurrent loans to loans | 1.4586% | 3,408 |
Net loans and leases to total assets | 62.0083% | 3,252 |
Net loans and leases to deposits | 75.7243% | 2,846 |
Net loans and leases to core deposits | 78.3324% | 3,213 |
Total domestic deposits to total assets | 81.8869% | 5,137 |
Equity capital to assets | 9.4921% | 4,887 |
Core capital (leverage) ratio | 8.4796% | 5,643 |
Tier 1 risk-based capital ratio | 11.8671% | 5,864 |
Total risk-based capital ratio | 13.1212% | 5,821 |
Memoranda: | ||
Average total assets | $555,235,400 | 1,207 |
Average earning assets | $516,441,800 | 1,174 |
Average equity | $52,535,400 | 1,357 |
Average total loans | $350,222,800 | 1,197 |
2012-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6955% | 2,823 |
Cost of funding earning assets | 0.7632% | 3,244 |
Net interest margin | 3.9323% | 2,793 |
Noninterest income to average assets | 1.1833% | 1,080 |
Noninterest expense to average assets | 3.4230% | 1,949 |
Loan and lease loss provision to assets | 0.0574% | 5,013 |
Net operating income to assets | 1.3686% | 1,290 |
Return on assets (ROA) | 1.4129% | 1,310 |
Pretax return on assets | 1.4115% | 2,196 |
Return on Equity (ROE) | 14.9456% | 914 |
Retained earnings to average equity (ytd only) | 5.4807% | 3,052 |
Net charge-offs to loans | 0.1870% | 3,622 |
Credit loss provision to net charge-offs | 48.6653% | 4,430 |
Earnings coverage of net charge-offs (x) | 12.0759% | 2,031 |
Efficiency ratio | 68.4289% | 3,974 |
Assets per employee ($millions) | 3.6425% | 4,674 |
Cash dividends to net income (ytd only)* | 63.3293% | 1,151 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7668% | 2,909 |
Loan loss allowance to noncurrent loans | 91.1326% | 3,505 |
Noncurrent assets plus other real estate owned to assets | 1.5777% | 3,231 |
Noncurrent loans to loans | 1.9387% | 2,912 |
Net loans and leases to total assets | 63.2681% | 3,161 |
Net loans and leases to deposits | 76.8712% | 2,844 |
Net loans and leases to core deposits | 79.6179% | 3,255 |
Total domestic deposits to total assets | 82.3041% | 4,919 |
Equity capital to assets | 9.7567% | 4,840 |
Core capital (leverage) ratio | 8.4774% | 5,783 |
Tier 1 risk-based capital ratio | 11.8295% | 6,041 |
Total risk-based capital ratio | 13.0846% | 6,018 |
Memoranda: | ||
Average total assets | $550,420,000 | 1,231 |
Average earning assets | $512,902,750 | 1,200 |
Average equity | $52,036,250 | 1,374 |
Average total loans | $347,244,500 | 1,217 |
2012-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7283% | 2,807 |
Cost of funding earning assets | 0.7956% | 3,220 |
Net interest margin | 3.9327% | 2,780 |
Noninterest income to average assets | 1.2211% | 963 |
Noninterest expense to average assets | 3.4183% | 1,990 |
Loan and lease loss provision to assets | 0.0455% | 5,101 |
Net operating income to assets | 1.4242% | 1,140 |
Return on assets (ROA) | 1.4909% | 1,127 |
Pretax return on assets | 1.4880% | 1,884 |
Return on Equity (ROE) | 15.9414% | 776 |
Retained earnings to average equity (ytd only) | 3.3790% | 4,355 |
Net charge-offs to loans | 0.0726% | 4,418 |
Credit loss provision to net charge-offs | 100.0000% | 2,712 |
Earnings coverage of net charge-offs (x) | 32.2320% | 1,024 |
Efficiency ratio | 67.7821% | 4,167 |
Assets per employee ($millions) | 3.7124% | 4,495 |
Cash dividends to net income (ytd only)* | 78.8034% | 815 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8741% | 2,633 |
Loan loss allowance to noncurrent loans | 77.7079% | 3,885 |
Noncurrent assets plus other real estate owned to assets | 1.8195% | 3,015 |
Noncurrent loans to loans | 2.4118% | 2,495 |
Net loans and leases to total assets | 63.2724% | 3,186 |
Net loans and leases to deposits | 75.9946% | 2,996 |
Net loans and leases to core deposits | 79.3327% | 3,316 |
Total domestic deposits to total assets | 83.2590% | 4,648 |
Equity capital to assets | 9.6544% | 4,822 |
Core capital (leverage) ratio | 8.2052% | 6,043 |
Tier 1 risk-based capital ratio | 11.6904% | 6,114 |
Total risk-based capital ratio | 12.9468% | 6,094 |
Memoranda: | ||
Average total assets | $549,342,330 | 1,234 |
Average earning assets | $511,806,670 | 1,204 |
Average equity | $51,375,670 | 1,385 |
Average total loans | $344,130,670 | 1,226 |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7403% | 2,886 |
Cost of funding earning assets | 0.8399% | 3,151 |
Net interest margin | 3.9004% | 2,919 |
Noninterest income to average assets | 1.1580% | 1,058 |
Noninterest expense to average assets | 3.2983% | 2,294 |
Loan and lease loss provision to assets | 0.0586% | 4,680 |
Net operating income to assets | 1.4351% | 1,156 |
Return on assets (ROA) | 1.4351% | 1,296 |
Pretax return on assets | 1.4358% | 2,067 |
Return on Equity (ROE) | 15.5915% | 869 |
Retained earnings to average equity (ytd only) | 0.6994% | 5,781 |
Net charge-offs to loans | 0.0949% | 3,576 |
Credit loss provision to net charge-offs | 100.0000% | 2,289 |
Earnings coverage of net charge-offs (x) | 25.5062% | 1,026 |
Efficiency ratio | 66.5560% | 4,450 |
Assets per employee ($millions) | 3.9956% | 4,019 |
Cash dividends to net income (ytd only)* | 95.5141% | 596 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9018% | 2,668 |
Loan loss allowance to noncurrent loans | 78.3399% | 3,734 |
Noncurrent assets plus other real estate owned to assets | 1.8843% | 3,069 |
Noncurrent loans to loans | 2.4277% | 2,679 |
Net loans and leases to total assets | 61.2720% | 3,397 |
Net loans and leases to deposits | 74.9196% | 2,984 |
Net loans and leases to core deposits | 78.4315% | 3,271 |
Total domestic deposits to total assets | 81.7836% | 5,366 |
Equity capital to assets | 9.1647% | 5,276 |
Core capital (leverage) ratio | 8.0213% | 6,241 |
Tier 1 risk-based capital ratio | 11.5195% | 6,271 |
Total risk-based capital ratio | 12.7758% | 6,248 |
Memoranda: | ||
Average total assets | $553,007,500 | 1,232 |
Average earning assets | $515,328,000 | 1,193 |
Average equity | $50,899,500 | 1,391 |
Average total loans | $341,449,000 | 1,235 |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1898% | 2,107 |
Cost of funding earning assets | 1.1629% | 2,264 |
Net interest margin | 4.0269% | 2,748 |
Noninterest income to average assets | 1.1104% | 1,076 |
Noninterest expense to average assets | 3.3168% | 2,472 |
Loan and lease loss provision to assets | 0.2330% | 3,874 |
Net operating income to assets | 1.2990% | 1,252 |
Return on assets (ROA) | 1.3106% | 1,326 |
Pretax return on assets | 1.3154% | 2,069 |
Return on Equity (ROE) | 14.4802% | 833 |
Retained earnings to average equity (ytd only) | 5.7424% | 2,155 |
Net charge-offs to loans | 0.3822% | 3,496 |
Credit loss provision to net charge-offs | 93.5907% | 3,852 |
Earnings coverage of net charge-offs (x) | 6.1722% | 2,573 |
Efficiency ratio | 65.9470% | 4,783 |
Assets per employee ($millions) | 4.0781% | 3,695 |
Cash dividends to net income (ytd only)* | 60.3433% | 1,550 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9350% | 2,465 |
Loan loss allowance to noncurrent loans | 103.1984% | 2,970 |
Noncurrent assets plus other real estate owned to assets | 1.5288% | 3,662 |
Noncurrent loans to loans | 1.8751% | 3,375 |
Net loans and leases to total assets | 59.8513% | 4,019 |
Net loans and leases to deposits | 73.3733% | 3,605 |
Net loans and leases to core deposits | 77.0816% | 3,815 |
Total domestic deposits to total assets | 81.5710% | 5,277 |
Equity capital to assets | 9.2433% | 5,222 |
Core capital (leverage) ratio | 8.1787% | 6,037 |
Tier 1 risk-based capital ratio | 11.5556% | 6,128 |
Total risk-based capital ratio | 12.8123% | 6,106 |
Memoranda: | ||
Average total assets | $520,078,000 | 1,287 |
Average earning assets | $483,449,000 | 1,263 |
Average equity | $47,071,200 | 1,442 |
Average total loans | $338,788,600 | 1,254 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3013% | 1,849 |
Cost of funding earning assets | 1.2432% | 2,039 |
Net interest margin | 4.0581% | 2,657 |
Noninterest income to average assets | 1.0597% | 1,195 |
Noninterest expense to average assets | 3.2709% | 2,596 |
Loan and lease loss provision to assets | 0.1585% | 4,483 |
Net operating income to assets | 1.3955% | 1,163 |
Return on assets (ROA) | 1.4111% | 1,207 |
Pretax return on assets | 1.4158% | 1,898 |
Return on Equity (ROE) | 15.6817% | 721 |
Retained earnings to average equity (ytd only) | 5.0727% | 3,123 |
Net charge-offs to loans | 0.2325% | 3,972 |
Credit loss provision to net charge-offs | 102.8765% | 3,237 |
Earnings coverage of net charge-offs (x) | 10.1168% | 1,969 |
Efficiency ratio | 65.2920% | 4,846 |
Assets per employee ($millions) | 3.9018% | 4,067 |
Cash dividends to net income (ytd only)* | 67.6519% | 950 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9788% | 2,394 |
Loan loss allowance to noncurrent loans | 88.6312% | 3,270 |
Noncurrent assets plus other real estate owned to assets | 1.7181% | 3,516 |
Noncurrent loans to loans | 2.2327% | 3,071 |
Net loans and leases to total assets | 62.5361% | 3,602 |
Net loans and leases to deposits | 76.1939% | 3,298 |
Net loans and leases to core deposits | 80.3143% | 3,590 |
Total domestic deposits to total assets | 82.0750% | 5,063 |
Equity capital to assets | 9.5357% | 5,028 |
Core capital (leverage) ratio | 8.1596% | 6,182 |
Tier 1 risk-based capital ratio | 11.4534% | 6,265 |
Total risk-based capital ratio | 12.7111% | 6,260 |
Memoranda: | ||
Average total assets | $511,443,500 | 1,314 |
Average earning assets | $475,120,250 | 1,292 |
Average equity | $46,022,750 | 1,481 |
Average total loans | $338,862,000 | 1,263 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3465% | 1,725 |
Cost of funding earning assets | 1.3067% | 1,898 |
Net interest margin | 4.0398% | 2,650 |
Noninterest income to average assets | 1.0858% | 1,098 |
Noninterest expense to average assets | 3.3254% | 2,478 |
Loan and lease loss provision to assets | 0.1687% | 4,245 |
Net operating income to assets | 1.3398% | 1,216 |
Return on assets (ROA) | 1.3398% | 1,292 |
Pretax return on assets | 1.3457% | 1,977 |
Return on Equity (ROE) | 15.2037% | 761 |
Retained earnings to average equity (ytd only) | 1.8646% | 5,049 |
Net charge-offs to loans | 0.2413% | 3,673 |
Credit loss provision to net charge-offs | 104.1463% | 2,967 |
Earnings coverage of net charge-offs (x) | 9.3512% | 1,935 |
Efficiency ratio | 66.2695% | 4,825 |
Assets per employee ($millions) | 3.8285% | 4,127 |
Cash dividends to net income (ytd only)* | 87.7358% | 635 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9616% | 2,476 |
Loan loss allowance to noncurrent loans | 96.0705% | 2,996 |
Noncurrent assets plus other real estate owned to assets | 1.6914% | 3,652 |
Noncurrent loans to loans | 2.0418% | 3,424 |
Net loans and leases to total assets | 64.7859% | 3,297 |
Net loans and leases to deposits | 76.8695% | 3,309 |
Net loans and leases to core deposits | 80.9784% | 3,660 |
Total domestic deposits to total assets | 84.2804% | 4,223 |
Equity capital to assets | 9.1080% | 5,425 |
Core capital (leverage) ratio | 8.0670% | 6,213 |
Tier 1 risk-based capital ratio | 11.0303% | 6,503 |
Total risk-based capital ratio | 12.2877% | 6,481 |
Memoranda: | ||
Average total assets | $506,343,000 | 1,332 |
Average earning assets | $470,516,000 | 1,313 |
Average equity | $44,620,670 | 1,509 |
Average total loans | $339,797,330 | 1,272 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3334% | 1,772 |
Cost of funding earning assets | 1.3535% | 1,867 |
Net interest margin | 3.9799% | 2,771 |
Noninterest income to average assets | 1.0258% | 1,251 |
Noninterest expense to average assets | 3.3376% | 2,451 |
Loan and lease loss provision to assets | 0.2099% | 3,545 |
Net operating income to assets | 1.1706% | 1,597 |
Return on assets (ROA) | 1.1706% | 1,651 |
Pretax return on assets | 1.1753% | 2,464 |
Return on Equity (ROE) | 13.5145% | 1,086 |
Retained earnings to average equity (ytd only) | -3.8377% | 6,394 |
Net charge-offs to loans | 0.2904% | 2,891 |
Credit loss provision to net charge-offs | 106.8826% | 2,499 |
Earnings coverage of net charge-offs (x) | 7.0526% | 2,004 |
Efficiency ratio | 68.1596% | 4,625 |
Assets per employee ($millions) | 3.7489% | 4,430 |
Cash dividends to net income (ytd only)* | 128.3967% | 416 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9669% | 2,498 |
Loan loss allowance to noncurrent loans | 90.5871% | 3,159 |
Noncurrent assets plus other real estate owned to assets | 1.9014% | 3,435 |
Noncurrent loans to loans | 2.1712% | 3,355 |
Net loans and leases to total assets | 65.4923% | 3,133 |
Net loans and leases to deposits | 77.3406% | 3,183 |
Net loans and leases to core deposits | 81.5716% | 3,517 |
Total domestic deposits to total assets | 84.6804% | 4,193 |
Equity capital to assets | 8.5847% | 5,792 |
Core capital (leverage) ratio | 7.9637% | 6,297 |
Tier 1 risk-based capital ratio | 10.7695% | 6,652 |
Total risk-based capital ratio | 12.0267% | 6,634 |
Memoranda: | ||
Average total assets | $503,003,500 | 1,341 |
Average earning assets | $467,244,000 | 1,323 |
Average equity | $43,568,000 | 1,530 |
Average total loans | $340,188,000 | 1,284 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.7064% | 1,548 |
Cost of funding earning assets | 1.6158% | 1,974 |
Net interest margin | 4.0906% | 2,614 |
Noninterest income to average assets | 1.1991% | 1,041 |
Noninterest expense to average assets | 3.4625% | 2,267 |
Loan and lease loss provision to assets | 0.3524% | 4,014 |
Net operating income to assets | 1.1605% | 1,510 |
Return on assets (ROA) | 1.1750% | 1,549 |
Pretax return on assets | 1.1760% | 2,307 |
Return on Equity (ROE) | 13.0931% | 1,066 |
Retained earnings to average equity (ytd only) | 7.1034% | 1,278 |
Net charge-offs to loans | 0.2879% | 4,580 |
Credit loss provision to net charge-offs | 168.7562% | 2,012 |
Earnings coverage of net charge-offs (x) | 7.2498% | 2,168 |
Efficiency ratio | 67.0605% | 4,754 |
Assets per employee ($millions) | 3.8161% | 4,217 |
Cash dividends to net income (ytd only)* | 45.7471% | 2,302 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9379% | 2,450 |
Loan loss allowance to noncurrent loans | 87.6917% | 3,261 |
Noncurrent assets plus other real estate owned to assets | 1.9846% | 3,366 |
Noncurrent loans to loans | 2.2099% | 3,310 |
Net loans and leases to total assets | 67.1398% | 3,181 |
Net loans and leases to deposits | 79.6359% | 3,238 |
Net loans and leases to core deposits | 84.5066% | 3,523 |
Total domestic deposits to total assets | 84.3084% | 4,222 |
Equity capital to assets | 8.7394% | 5,526 |
Core capital (leverage) ratio | 8.0369% | 6,141 |
Tier 1 risk-based capital ratio | 10.7604% | 6,522 |
Total risk-based capital ratio | 12.0175% | 6,483 |
Memoranda: | ||
Average total assets | $481,272,400 | 1,396 |
Average earning assets | $444,412,000 | 1,375 |
Average equity | $43,190,600 | 1,540 |
Average total loans | $349,021,800 | 1,284 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.7397% | 1,577 |
Cost of funding earning assets | 1.6542% | 2,082 |
Net interest margin | 4.0855% | 2,686 |
Noninterest income to average assets | 1.1881% | 993 |
Noninterest expense to average assets | 3.3631% | 2,390 |
Loan and lease loss provision to assets | 0.4093% | 3,450 |
Net operating income to assets | 1.1836% | 1,643 |
Return on assets (ROA) | 1.2032% | 1,668 |
Pretax return on assets | 1.2043% | 2,470 |
Return on Equity (ROE) | 13.3157% | 1,182 |
Retained earnings to average equity (ytd only) | 6.7646% | 1,961 |
Net charge-offs to loans | 0.3098% | 4,101 |
Credit loss provision to net charge-offs | 179.5092% | 2,048 |
Earnings coverage of net charge-offs (x) | 6.9914% | 2,407 |
Efficiency ratio | 65.2991% | 5,000 |
Assets per employee ($millions) | 3.8381% | 4,169 |
Cash dividends to net income (ytd only)* | 49.1978% | 1,661 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8725% | 2,566 |
Loan loss allowance to noncurrent loans | 64.3995% | 4,081 |
Noncurrent assets plus other real estate owned to assets | 2.2738% | 3,114 |
Noncurrent loans to loans | 2.9076% | 2,743 |
Net loans and leases to total assets | 69.7526% | 2,798 |
Net loans and leases to deposits | 84.0169% | 2,702 |
Net loans and leases to core deposits | 89.3919% | 3,190 |
Total domestic deposits to total assets | 83.0221% | 4,584 |
Equity capital to assets | 9.2100% | 5,297 |
Core capital (leverage) ratio | 8.0247% | 6,312 |
Tier 1 risk-based capital ratio | 10.3786% | 6,842 |
Total risk-based capital ratio | 11.6353% | 6,839 |
Memoranda: | ||
Average total assets | $476,612,750 | 1,421 |
Average earning assets | $439,685,750 | 1,401 |
Average equity | $43,066,000 | 1,546 |
Average total loans | $350,709,250 | 1,293 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.7594% | 1,531 |
Cost of funding earning assets | 1.6841% | 2,201 |
Net interest margin | 4.0753% | 2,680 |
Noninterest income to average assets | 1.1015% | 1,094 |
Noninterest expense to average assets | 3.2760% | 2,643 |
Loan and lease loss provision to assets | 0.3920% | 3,369 |
Net operating income to assets | 1.1861% | 1,593 |
Return on assets (ROA) | 1.1861% | 1,665 |
Pretax return on assets | 1.1874% | 2,457 |
Return on Equity (ROE) | 13.2161% | 1,190 |
Retained earnings to average equity (ytd only) | 7.1102% | 1,787 |
Net charge-offs to loans | 0.2421% | 4,148 |
Credit loss provision to net charge-offs | 217.4528% | 1,794 |
Earnings coverage of net charge-offs (x) | 8.7618% | 2,102 |
Efficiency ratio | 64.8542% | 5,178 |
Assets per employee ($millions) | 3.8175% | 4,183 |
Cash dividends to net income (ytd only)* | 46.2007% | 1,835 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8399% | 2,600 |
Loan loss allowance to noncurrent loans | 68.2348% | 3,924 |
Noncurrent assets plus other real estate owned to assets | 2.1101% | 3,365 |
Noncurrent loans to loans | 2.6965% | 2,954 |
Net loans and leases to total assets | 71.9997% | 2,403 |
Net loans and leases to deposits | 84.7412% | 2,746 |
Net loans and leases to core deposits | 90.3364% | 3,207 |
Total domestic deposits to total assets | 84.9642% | 3,649 |
Equity capital to assets | 9.1115% | 5,278 |
Core capital (leverage) ratio | 8.1545% | 6,031 |
Tier 1 risk-based capital ratio | 10.2605% | 6,870 |
Total risk-based capital ratio | 11.5167% | 6,847 |
Memoranda: | ||
Average total assets | $470,446,000 | 1,448 |
Average earning assets | $433,340,670 | 1,434 |
Average equity | $42,221,330 | 1,564 |
Average total loans | $350,297,670 | 1,313 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.7833% | 1,512 |
Cost of funding earning assets | 1.7297% | 2,234 |
Net interest margin | 4.0536% | 2,636 |
Noninterest income to average assets | 1.0936% | 1,052 |
Noninterest expense to average assets | 3.2954% | 2,545 |
Loan and lease loss provision to assets | 0.5070% | 2,464 |
Net operating income to assets | 1.0174% | 2,124 |
Return on assets (ROA) | 1.0174% | 2,185 |
Pretax return on assets | 1.0183% | 3,022 |
Return on Equity (ROE) | 11.4251% | 1,664 |
Retained earnings to average equity (ytd only) | 6.1357% | 2,558 |
Net charge-offs to loans | 0.1381% | 4,113 |
Credit loss provision to net charge-offs | 489.2562% | 869 |
Earnings coverage of net charge-offs (x) | 14.7190% | 1,414 |
Efficiency ratio | 65.7133% | 5,177 |
Assets per employee ($millions) | 3.7983% | 4,319 |
Cash dividends to net income (ytd only)* | 46.2963% | 1,572 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8294% | 2,641 |
Loan loss allowance to noncurrent loans | 49.4296% | 5,033 |
Noncurrent assets plus other real estate owned to assets | 2.9670% | 2,421 |
Noncurrent loans to loans | 3.7010% | 2,151 |
Net loans and leases to total assets | 74.2649% | 1,917 |
Net loans and leases to deposits | 86.9351% | 2,415 |
Net loans and leases to core deposits | 94.3203% | 2,801 |
Total domestic deposits to total assets | 85.4257% | 3,453 |
Equity capital to assets | 9.0602% | 5,188 |
Core capital (leverage) ratio | 8.0584% | 6,150 |
Tier 1 risk-based capital ratio | 9.9857% | 7,045 |
Total risk-based capital ratio | 11.2346% | 7,029 |
Memoranda: | ||
Average total assets | $467,075,500 | 1,502 |
Average earning assets | $429,442,500 | 1,486 |
Average equity | $41,592,500 | 1,604 |
Average total loans | $350,440,000 | 1,348 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.0430% | 1,702 |
Cost of funding earning assets | 2.1460% | 2,248 |
Net interest margin | 3.8970% | 3,281 |
Noninterest income to average assets | 1.5873% | 571 |
Noninterest expense to average assets | 3.3684% | 2,782 |
Loan and lease loss provision to assets | 1.3611% | 1,694 |
Net operating income to assets | 0.4458% | 3,946 |
Return on assets (ROA) | 0.4854% | 3,888 |
Pretax return on assets | 0.4865% | 4,221 |
Return on Equity (ROE) | 5.6609% | 3,350 |
Retained earnings to average equity (ytd only) | 1.4152% | 4,078 |
Net charge-offs to loans | 1.2725% | 1,946 |
Credit loss provision to net charge-offs | 139.8174% | 3,491 |
Earnings coverage of net charge-offs (x) | 1.8573% | 4,328 |
Efficiency ratio | 62.4834% | 6,060 |
Assets per employee ($millions) | 3.7965% | 4,293 |
Cash dividends to net income (ytd only)* | 75.0000% | 1,349 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6961% | 2,903 |
Loan loss allowance to noncurrent loans | 66.4951% | 4,071 |
Noncurrent assets plus other real estate owned to assets | 2.2139% | 3,111 |
Noncurrent loans to loans | 2.5507% | 3,003 |
Net loans and leases to total assets | 73.1557% | 2,466 |
Net loans and leases to deposits | 86.1250% | 2,894 |
Net loans and leases to core deposits | 103.3698% | 3,643 |
Total domestic deposits to total assets | 84.9414% | 3,575 |
Equity capital to assets | 8.7520% | 5,513 |
Core capital (leverage) ratio | 8.0131% | 6,166 |
Tier 1 risk-based capital ratio | 9.7681% | 7,045 |
Total risk-based capital ratio | 11.0223% | 7,031 |
Memoranda: | ||
Average total assets | $449,940,800 | 1,539 |
Average earning assets | $414,399,000 | 1,525 |
Average equity | $38,580,400 | 1,739 |
Average total loans | $344,197,800 | 1,408 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.0885% | 1,690 |
Cost of funding earning assets | 2.2262% | 2,289 |
Net interest margin | 3.8622% | 3,382 |
Noninterest income to average assets | 1.6873% | 518 |
Noninterest expense to average assets | 3.3763% | 2,647 |
Loan and lease loss provision to assets | 1.1137% | 1,752 |
Net operating income to assets | 0.7582% | 2,992 |
Return on assets (ROA) | 0.8115% | 2,826 |
Pretax return on assets | 0.8127% | 3,498 |
Return on Equity (ROE) | 9.5167% | 2,093 |
Retained earnings to average equity (ytd only) | 3.7582% | 3,181 |
Net charge-offs to loans | 1.0482% | 1,885 |
Credit loss provision to net charge-offs | 137.8990% | 3,589 |
Earnings coverage of net charge-offs (x) | 2.3192% | 4,087 |
Efficiency ratio | 61.7419% | 6,157 |
Assets per employee ($millions) | 3.6600% | 4,516 |
Cash dividends to net income (ytd only)* | 60.5100% | 1,578 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4952% | 3,475 |
Loan loss allowance to noncurrent loans | 48.9725% | 5,043 |
Noncurrent assets plus other real estate owned to assets | 2.6053% | 2,674 |
Noncurrent loans to loans | 3.0531% | 2,481 |
Net loans and leases to total assets | 75.7615% | 2,041 |
Net loans and leases to deposits | 89.3672% | 2,705 |
Net loans and leases to core deposits | 107.6780% | 3,511 |
Total domestic deposits to total assets | 84.7756% | 3,336 |
Equity capital to assets | 8.6650% | 6,013 |
Core capital (leverage) ratio | 7.5557% | 6,912 |
Tier 1 risk-based capital ratio | 9.1443% | 7,560 |
Total risk-based capital ratio | 10.3962% | 7,568 |
Memoranda: | ||
Average total assets | $444,736,000 | 1,573 |
Average earning assets | $410,186,500 | 1,559 |
Average equity | $37,925,250 | 1,794 |
Average total loans | $342,664,750 | 1,427 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.1457% | 1,634 |
Cost of funding earning assets | 2.2751% | 2,465 |
Net interest margin | 3.8706% | 3,245 |
Noninterest income to average assets | 1.9026% | 404 |
Noninterest expense to average assets | 3.5168% | 2,286 |
Loan and lease loss provision to assets | 1.1342% | 1,516 |
Net operating income to assets | 0.8191% | 2,781 |
Return on assets (ROA) | 0.8698% | 2,682 |
Pretax return on assets | 0.8712% | 3,439 |
Return on Equity (ROE) | 10.2566% | 1,927 |
Retained earnings to average equity (ytd only) | 1.7352% | 4,376 |
Net charge-offs to loans | 0.9696% | 1,804 |
Credit loss provision to net charge-offs | 151.7262% | 3,031 |
Earnings coverage of net charge-offs (x) | 2.6148% | 3,768 |
Efficiency ratio | 61.8007% | 6,275 |
Assets per employee ($millions) | 3.6594% | 4,430 |
Cash dividends to net income (ytd only)* | 83.0817% | 1,026 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4599% | 3,414 |
Loan loss allowance to noncurrent loans | 46.7561% | 5,243 |
Noncurrent assets plus other real estate owned to assets | 2.7103% | 2,369 |
Noncurrent loans to loans | 3.1223% | 2,288 |
Net loans and leases to total assets | 75.7612% | 2,242 |
Net loans and leases to deposits | 88.5479% | 3,079 |
Net loans and leases to core deposits | 108.4687% | 3,559 |
Total domestic deposits to total assets | 85.5596% | 2,988 |
Equity capital to assets | 8.3301% | 6,293 |
Core capital (leverage) ratio | 7.4773% | 7,049 |
Tier 1 risk-based capital ratio | 8.9738% | 7,710 |
Total risk-based capital ratio | 10.2195% | 7,733 |
Memoranda: | ||
Average total assets | $441,702,670 | 1,602 |
Average earning assets | $407,277,000 | 1,595 |
Average equity | $37,458,670 | 1,819 |
Average total loans | $340,535,670 | 1,464 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.1802% | 1,661 |
Cost of funding earning assets | 2.3027% | 2,687 |
Net interest margin | 3.8775% | 3,147 |
Noninterest income to average assets | 1.6613% | 496 |
Noninterest expense to average assets | 3.3582% | 2,478 |
Loan and lease loss provision to assets | 1.3806% | 929 |
Net operating income to assets | 0.4965% | 4,438 |
Return on assets (ROA) | 0.5989% | 4,210 |
Pretax return on assets | 0.5998% | 4,749 |
Return on Equity (ROE) | 6.9977% | 3,600 |
Retained earnings to average equity (ytd only) | 0.9188% | 5,284 |
Net charge-offs to loans | 1.1842% | 1,168 |
Credit loss provision to net charge-offs | 151.0000% | 2,764 |
Earnings coverage of net charge-offs (x) | 2.0540% | 3,698 |
Efficiency ratio | 61.5331% | 6,143 |
Assets per employee ($millions) | 3.6473% | 4,455 |
Cash dividends to net income (ytd only)* | 86.8702% | 933 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3703% | 3,676 |
Loan loss allowance to noncurrent loans | 57.8805% | 4,730 |
Noncurrent assets plus other real estate owned to assets | 2.1483% | 2,676 |
Noncurrent loans to loans | 2.3674% | 2,776 |
Net loans and leases to total assets | 76.7852% | 2,090 |
Net loans and leases to deposits | 90.3270% | 2,878 |
Net loans and leases to core deposits | 110.8103% | 3,334 |
Total domestic deposits to total assets | 85.0080% | 3,201 |
Equity capital to assets | 8.5788% | 5,946 |
Core capital (leverage) ratio | 7.5648% | 7,071 |
Tier 1 risk-based capital ratio | 8.9539% | 7,819 |
Total risk-based capital ratio | 10.1989% | 7,862 |
Memoranda: | ||
Average total assets | $437,501,500 | 1,627 |
Average earning assets | $403,354,000 | 1,616 |
Average equity | $37,441,000 | 1,823 |
Average total loans | $337,775,000 | 1,489 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.6116% | 2,429 |
Cost of funding earning assets | 2.6503% | 3,428 |
Net interest margin | 3.9614% | 3,303 |
Noninterest income to average assets | 1.2500% | 945 |
Noninterest expense to average assets | 3.3610% | 2,792 |
Loan and lease loss provision to assets | 0.6151% | 2,366 |
Net operating income to assets | 0.9027% | 2,986 |
Return on assets (ROA) | 0.9312% | 2,724 |
Pretax return on assets | 0.9324% | 3,608 |
Return on Equity (ROE) | 11.0518% | 1,890 |
Retained earnings to average equity (ytd only) | 5.2883% | 1,867 |
Net charge-offs to loans | 0.5467% | 2,185 |
Credit loss provision to net charge-offs | 150.1199% | 3,496 |
Earnings coverage of net charge-offs (x) | 3.7074% | 4,248 |
Efficiency ratio | 65.8378% | 5,158 |
Assets per employee ($millions) | 3.6140% | 4,382 |
Cash dividends to net income (ytd only)* | 52.1498% | 3,023 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2646% | 4,025 |
Loan loss allowance to noncurrent loans | 70.7568% | 4,522 |
Noncurrent assets plus other real estate owned to assets | 1.6448% | 2,960 |
Noncurrent loans to loans | 1.7872% | 3,080 |
Net loans and leases to total assets | 75.5795% | 2,738 |
Net loans and leases to deposits | 90.1665% | 3,424 |
Net loans and leases to core deposits | 110.9177% | 3,695 |
Total domestic deposits to total assets | 83.8222% | 3,416 |
Equity capital to assets | 8.5367% | 6,027 |
Core capital (leverage) ratio | 7.5237% | 7,181 |
Tier 1 risk-based capital ratio | 8.9693% | 7,803 |
Total risk-based capital ratio | 10.1563% | 7,867 |
Memoranda: | ||
Average total assets | $407,106,400 | 1,670 |
Average earning assets | $373,054,400 | 1,668 |
Average equity | $34,302,000 | 1,978 |
Average total loans | $305,104,200 | 1,587 |