Home > First Bank of Miami > Performance and Condition Ratios
First Bank of Miami, 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 | 3.2051% | 5,943 |
Cost of funding earning assets | 0.2607% | 5,381 |
Net interest margin | 2.9443% | 5,647 |
Noninterest income to average assets | 0.6945% | 2,313 |
Noninterest expense to average assets | 4.6572% | 401 |
Loan and lease loss provision to assets | 0.0000% | 4,196 |
Net operating income to assets | -1.2528% | 6,556 |
Return on assets (ROA) | -1.2385% | 6,551 |
Pretax return on assets | -1.2385% | 6,539 |
Return on Equity (ROE) | -14.1390% | 6,543 |
Retained earnings to average equity (ytd only) | -14.1390% | 6,481 |
Net charge-offs to loans | 0.0616% | 3,096 |
Credit loss provision to net charge-offs | 0.0000% | 3,401 |
Earnings coverage of net charge-offs (x) | -41.0667% | 4,354 |
Efficiency ratio | 136.7981% | 76 |
Assets per employee ($millions) | 3.5704% | 4,720 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5227% | 2,791 |
Loan loss allowance to noncurrent loans | 41.9345% | 5,442 |
Noncurrent assets plus other real estate owned to assets | 1.9590% | 1,644 |
Noncurrent loans to loans | 3.6312% | 713 |
Net loans and leases to total assets | 47.6987% | 5,195 |
Net loans and leases to deposits | 52.4239% | 5,470 |
Net loans and leases to core deposits | 59.0544% | 5,198 |
Total domestic deposits to total assets | 90.9865% | 420 |
Equity capital to assets | 8.6499% | 5,664 |
Core capital (leverage) ratio | 8.6403% | 5,480 |
Tier 1 risk-based capital ratio | 14.7664% | 3,773 |
Total risk-based capital ratio | 16.0167% | 3,720 |
Memoranda: | ||
Average total assets | $196,683,000 | 3,074 |
Average earning assets | $181,025,330 | 3,067 |
Average equity | $17,229,000 | 3,511 |
Average total loans | $97,352,000 | 3,502 |
2014-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4864% | 5,460 |
Cost of funding earning assets | 0.2667% | 5,423 |
Net interest margin | 3.2198% | 4,862 |
Noninterest income to average assets | 0.6887% | 2,231 |
Noninterest expense to average assets | 4.6137% | 406 |
Loan and lease loss provision to assets | 0.0000% | 3,817 |
Net operating income to assets | -0.9586% | 6,567 |
Return on assets (ROA) | -0.9304% | 6,562 |
Pretax return on assets | -0.9304% | 6,551 |
Return on Equity (ROE) | -10.5570% | 6,568 |
Retained earnings to average equity (ytd only) | -10.5570% | 6,379 |
Net charge-offs to loans | 0.1127% | 2,052 |
Credit loss provision to net charge-offs | 0.0000% | 2,688 |
Earnings coverage of net charge-offs (x) | -17.0000% | 3,615 |
Efficiency ratio | 126.2259% | 144 |
Assets per employee ($millions) | 3.5057% | 4,907 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4509% | 3,362 |
Loan loss allowance to noncurrent loans | 40.2715% | 5,565 |
Noncurrent assets plus other real estate owned to assets | 1.8531% | 1,876 |
Noncurrent loans to loans | 3.6029% | 789 |
Net loans and leases to total assets | 50.1626% | 4,892 |
Net loans and leases to deposits | 55.3438% | 5,169 |
Net loans and leases to core deposits | 62.0111% | 4,881 |
Total domestic deposits to total assets | 90.6381% | 719 |
Equity capital to assets | 8.9781% | 5,140 |
Core capital (leverage) ratio | 8.7156% | 5,363 |
Tier 1 risk-based capital ratio | 14.5891% | 3,952 |
Total risk-based capital ratio | 15.8228% | 3,912 |
Memoranda: | ||
Average total assets | $198,624,500 | 3,070 |
Average earning assets | $182,995,500 | 3,064 |
Average equity | $17,505,000 | 3,481 |
Average total loans | $99,335,500 | 3,483 |
2013-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3114% | 5,988 |
Cost of funding earning assets | 0.2464% | 5,990 |
Net interest margin | 3.0650% | 5,418 |
Noninterest income to average assets | 0.7740% | 2,191 |
Noninterest expense to average assets | 4.8116% | 403 |
Loan and lease loss provision to assets | -0.4140% | 6,721 |
Net operating income to assets | -0.8656% | 6,581 |
Return on assets (ROA) | -0.8529% | 6,579 |
Pretax return on assets | -0.7930% | 6,554 |
Return on Equity (ROE) | -9.6988% | 6,580 |
Retained earnings to average equity (ytd only) | -9.6988% | 6,530 |
Net charge-offs to loans | 0.0064% | 5,332 |
Credit loss provision to net charge-offs | -12,142.8571% | 6,415 |
Earnings coverage of net charge-offs (x) | -357.7143% | 5,470 |
Efficiency ratio | 133.9571% | 101 |
Assets per employee ($millions) | 3.7859% | 4,295 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4444% | 3,448 |
Loan loss allowance to noncurrent loans | 35.2684% | 5,778 |
Noncurrent assets plus other real estate owned to assets | 2.0319% | 1,768 |
Noncurrent loans to loans | 4.0954% | 698 |
Net loans and leases to total assets | 48.4626% | 5,242 |
Net loans and leases to deposits | 53.2515% | 5,531 |
Net loans and leases to core deposits | 59.0914% | 5,295 |
Total domestic deposits to total assets | 91.0070% | 563 |
Equity capital to assets | 8.6575% | 5,414 |
Core capital (leverage) ratio | 8.8443% | 5,218 |
Tier 1 risk-based capital ratio | 14.7063% | 3,838 |
Total risk-based capital ratio | 15.9407% | 3,786 |
Memoranda: | ||
Average total assets | $205,297,200 | 2,969 |
Average earning assets | $188,741,000 | 2,967 |
Average equity | $18,053,800 | 3,408 |
Average total loans | $108,658,600 | 3,270 |
2013-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4086% | 5,865 |
Cost of funding earning assets | 0.2424% | 6,136 |
Net interest margin | 3.1662% | 5,093 |
Noninterest income to average assets | 0.7967% | 2,168 |
Noninterest expense to average assets | 4.8619% | 375 |
Loan and lease loss provision to assets | -0.4243% | 6,815 |
Net operating income to assets | -0.8142% | 6,677 |
Return on assets (ROA) | -0.8032% | 6,682 |
Pretax return on assets | -0.7234% | 6,641 |
Return on Equity (ROE) | -9.0981% | 6,678 |
Retained earnings to average equity (ytd only) | -9.0981% | 6,620 |
Net charge-offs to loans | -0.0446% | 6,275 |
Credit loss provision to net charge-offs | 1,767.5676% | 187 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 131.2894% | 122 |
Assets per employee ($millions) | 3.5325% | 4,783 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6484% | 2,804 |
Loan loss allowance to noncurrent loans | 42.7202% | 5,529 |
Noncurrent assets plus other real estate owned to assets | 2.0837% | 1,924 |
Noncurrent loans to loans | 3.8585% | 929 |
Net loans and leases to total assets | 51.0644% | 5,000 |
Net loans and leases to deposits | 56.1397% | 5,368 |
Net loans and leases to core deposits | 62.6523% | 5,049 |
Total domestic deposits to total assets | 90.9594% | 548 |
Equity capital to assets | 8.7297% | 5,485 |
Core capital (leverage) ratio | 8.5595% | 5,712 |
Tier 1 risk-based capital ratio | 13.5961% | 4,693 |
Total risk-based capital ratio | 14.8475% | 4,652 |
Memoranda: | ||
Average total assets | $205,512,500 | 2,983 |
Average earning assets | $188,655,250 | 2,996 |
Average equity | $18,142,500 | 3,432 |
Average total loans | $110,691,500 | 3,252 |
2013-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5081% | 5,678 |
Cost of funding earning assets | 0.2346% | 6,274 |
Net interest margin | 3.2735% | 4,673 |
Noninterest income to average assets | 0.7776% | 2,290 |
Noninterest expense to average assets | 4.8001% | 417 |
Loan and lease loss provision to assets | -0.6286% | 6,889 |
Net operating income to assets | -0.5085% | 6,634 |
Return on assets (ROA) | -0.5152% | 6,655 |
Pretax return on assets | -0.3970% | 6,592 |
Return on Equity (ROE) | -5.8154% | 6,653 |
Retained earnings to average equity (ytd only) | -5.8154% | 6,502 |
Net charge-offs to loans | -0.0653% | 6,356 |
Credit loss provision to net charge-offs | 1,767.5676% | 177 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 126.9446% | 149 |
Assets per employee ($millions) | 3.4247% | 5,009 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5540% | 3,345 |
Loan loss allowance to noncurrent loans | 39.6067% | 5,647 |
Noncurrent assets plus other real estate owned to assets | 2.0741% | 2,088 |
Noncurrent loans to loans | 3.9235% | 1,008 |
Net loans and leases to total assets | 51.3104% | 4,952 |
Net loans and leases to deposits | 56.2698% | 5,306 |
Net loans and leases to core deposits | 63.0771% | 4,992 |
Total domestic deposits to total assets | 91.1864% | 480 |
Equity capital to assets | 8.5489% | 5,719 |
Core capital (leverage) ratio | 8.7780% | 5,319 |
Tier 1 risk-based capital ratio | 13.2593% | 4,950 |
Total risk-based capital ratio | 14.4901% | 4,907 |
Memoranda: | ||
Average total assets | $208,077,000 | 2,968 |
Average earning assets | $190,929,000 | 2,977 |
Average equity | $18,433,670 | 3,404 |
Average total loans | $113,352,670 | 3,203 |
2013-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5908% | 5,477 |
Cost of funding earning assets | 0.2276% | 6,427 |
Net interest margin | 3.3632% | 4,262 |
Noninterest income to average assets | 0.8841% | 1,818 |
Noninterest expense to average assets | 4.4765% | 548 |
Loan and lease loss provision to assets | 0.0000% | 4,409 |
Net operating income to assets | -0.6973% | 6,737 |
Return on assets (ROA) | -0.4469% | 6,684 |
Pretax return on assets | -0.2677% | 6,582 |
Return on Equity (ROE) | -4.9570% | 6,693 |
Retained earnings to average equity (ytd only) | -4.9570% | 6,363 |
Net charge-offs to loans | 0.1938% | 2,252 |
Credit loss provision to net charge-offs | 0.0000% | 3,239 |
Earnings coverage of net charge-offs (x) | -4.8036% | 4,069 |
Efficiency ratio | 113.0900% | 284 |
Assets per employee ($millions) | 3.4212% | 5,159 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9414% | 2,194 |
Loan loss allowance to noncurrent loans | 47.6624% | 5,257 |
Noncurrent assets plus other real estate owned to assets | 2.8659% | 1,571 |
Noncurrent loans to loans | 4.0732% | 1,100 |
Net loans and leases to total assets | 54.5279% | 4,326 |
Net loans and leases to deposits | 60.1439% | 4,776 |
Net loans and leases to core deposits | 67.1618% | 4,400 |
Total domestic deposits to total assets | 90.6624% | 690 |
Equity capital to assets | 8.8780% | 5,633 |
Core capital (leverage) ratio | 8.9191% | 5,029 |
Tier 1 risk-based capital ratio | 12.9237% | 5,288 |
Total risk-based capital ratio | 14.1775% | 5,233 |
Memoranda: | ||
Average total assets | $207,663,000 | 3,005 |
Average earning assets | $189,821,000 | 3,014 |
Average equity | $18,721,000 | 3,421 |
Average total loans | $115,588,000 | 3,170 |
2012-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9084% | 5,550 |
Cost of funding earning assets | 0.2508% | 6,667 |
Net interest margin | 3.6576% | 3,839 |
Noninterest income to average assets | 0.7684% | 2,399 |
Noninterest expense to average assets | 4.4992% | 582 |
Loan and lease loss provision to assets | 0.7727% | 642 |
Net operating income to assets | -1.9390% | 6,919 |
Return on assets (ROA) | -1.8643% | 6,921 |
Pretax return on assets | -1.2012% | 6,784 |
Return on Equity (ROE) | -20.1399% | 6,885 |
Retained earnings to average equity (ytd only) | -20.1399% | 6,854 |
Net charge-offs to loans | 1.3204% | 730 |
Credit loss provision to net charge-offs | 110.8257% | 2,635 |
Earnings coverage of net charge-offs (x) | -0.7217% | 5,715 |
Efficiency ratio | 112.5920% | 297 |
Assets per employee ($millions) | 3.6251% | 4,721 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0065% | 2,000 |
Loan loss allowance to noncurrent loans | 47.4820% | 5,254 |
Noncurrent assets plus other real estate owned to assets | 3.6964% | 1,204 |
Noncurrent loans to loans | 4.2258% | 1,065 |
Net loans and leases to total assets | 54.5978% | 4,531 |
Net loans and leases to deposits | 60.3869% | 4,986 |
Net loans and leases to core deposits | 66.7538% | 4,663 |
Total domestic deposits to total assets | 90.4133% | 743 |
Equity capital to assets | 9.1535% | 5,332 |
Core capital (leverage) ratio | 8.6632% | 5,377 |
Tier 1 risk-based capital ratio | 12.8710% | 5,199 |
Total risk-based capital ratio | 14.1252% | 5,136 |
Memoranda: | ||
Average total assets | $234,507,800 | 2,685 |
Average earning assets | $206,938,600 | 2,781 |
Average equity | $21,708,200 | 3,010 |
Average total loans | $123,826,000 | 3,007 |
2012-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9329% | 5,706 |
Cost of funding earning assets | 0.2588% | 6,776 |
Net interest margin | 3.6741% | 3,905 |
Noninterest income to average assets | 0.8597% | 1,981 |
Noninterest expense to average assets | 4.3266% | 644 |
Loan and lease loss provision to assets | 0.8785% | 512 |
Net operating income to assets | -0.7072% | 6,779 |
Return on assets (ROA) | -0.6659% | 6,793 |
Pretax return on assets | -1.0590% | 6,881 |
Return on Equity (ROE) | -7.1762% | 6,790 |
Retained earnings to average equity (ytd only) | -7.1762% | 6,724 |
Net charge-offs to loans | 1.3481% | 684 |
Credit loss provision to net charge-offs | 124.8823% | 2,316 |
Earnings coverage of net charge-offs (x) | -0.3485% | 5,461 |
Efficiency ratio | 106.0065% | 382 |
Assets per employee ($millions) | 3.7595% | 4,408 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9659% | 2,269 |
Loan loss allowance to noncurrent loans | 44.6185% | 5,421 |
Noncurrent assets plus other real estate owned to assets | 3.5845% | 1,394 |
Noncurrent loans to loans | 4.4061% | 1,085 |
Net loans and leases to total assets | 56.0303% | 4,446 |
Net loans and leases to deposits | 62.5433% | 4,899 |
Net loans and leases to core deposits | 70.3192% | 4,462 |
Total domestic deposits to total assets | 89.5863% | 1,080 |
Equity capital to assets | 10.1385% | 4,297 |
Core capital (leverage) ratio | 8.7498% | 5,403 |
Tier 1 risk-based capital ratio | 13.2486% | 5,060 |
Total risk-based capital ratio | 14.5032% | 5,020 |
Memoranda: | ||
Average total assets | $241,477,000 | 2,637 |
Average earning assets | $211,748,000 | 2,737 |
Average equity | $22,406,750 | 2,955 |
Average total loans | $126,001,000 | 2,994 |
2012-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9128% | 5,878 |
Cost of funding earning assets | 0.2760% | 6,814 |
Net interest margin | 3.6368% | 4,097 |
Noninterest income to average assets | 0.8905% | 1,821 |
Noninterest expense to average assets | 4.1262% | 808 |
Loan and lease loss provision to assets | 1.1729% | 361 |
Net operating income to assets | -0.7725% | 6,847 |
Return on assets (ROA) | -0.7124% | 6,860 |
Pretax return on assets | -1.1328% | 6,930 |
Return on Equity (ROE) | -7.8910% | 6,860 |
Retained earnings to average equity (ytd only) | -7.8910% | 6,762 |
Net charge-offs to loans | 1.9595% | 434 |
Credit loss provision to net charge-offs | 117.9984% | 2,334 |
Earnings coverage of net charge-offs (x) | -0.0541% | 5,109 |
Efficiency ratio | 101.3199% | 513 |
Assets per employee ($millions) | 4.1011% | 3,663 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8751% | 2,628 |
Loan loss allowance to noncurrent loans | 37.9205% | 5,759 |
Noncurrent assets plus other real estate owned to assets | 5.3793% | 848 |
Noncurrent loans to loans | 4.9448% | 1,009 |
Net loans and leases to total assets | 50.9543% | 5,229 |
Net loans and leases to deposits | 56.2928% | 5,617 |
Net loans and leases to core deposits | 62.6640% | 5,333 |
Total domestic deposits to total assets | 90.5164% | 653 |
Equity capital to assets | 9.1794% | 5,484 |
Core capital (leverage) ratio | 8.2385% | 6,001 |
Tier 1 risk-based capital ratio | 12.8101% | 5,330 |
Total risk-based capital ratio | 14.0627% | 5,301 |
Memoranda: | ||
Average total assets | $249,286,000 | 2,555 |
Average earning assets | $218,104,670 | 2,667 |
Average equity | $22,506,670 | 2,925 |
Average total loans | $126,460,000 | 2,998 |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8421% | 6,160 |
Cost of funding earning assets | 0.3088% | 6,816 |
Net interest margin | 3.5333% | 4,556 |
Noninterest income to average assets | 0.8887% | 1,796 |
Noninterest expense to average assets | 3.8807% | 1,088 |
Loan and lease loss provision to assets | 1.9988% | 140 |
Net operating income to assets | -1.1786% | 7,032 |
Return on assets (ROA) | -1.1655% | 7,046 |
Pretax return on assets | -1.8581% | 7,123 |
Return on Equity (ROE) | -13.0129% | 7,040 |
Retained earnings to average equity (ytd only) | -13.0129% | 6,923 |
Net charge-offs to loans | 2.1282% | 424 |
Credit loss provision to net charge-offs | 187.2593% | 1,407 |
Earnings coverage of net charge-offs (x) | 0.1126% | 4,312 |
Efficiency ratio | 96.9960% | 677 |
Assets per employee ($millions) | 4.1950% | 3,590 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1867% | 1,910 |
Loan loss allowance to noncurrent loans | 57.8623% | 4,641 |
Noncurrent assets plus other real estate owned to assets | 4.7579% | 1,106 |
Noncurrent loans to loans | 3.7792% | 1,636 |
Net loans and leases to total assets | 49.2117% | 5,402 |
Net loans and leases to deposits | 54.3257% | 5,777 |
Net loans and leases to core deposits | 62.7462% | 5,252 |
Total domestic deposits to total assets | 90.5864% | 754 |
Equity capital to assets | 9.0685% | 5,403 |
Core capital (leverage) ratio | 8.2348% | 5,972 |
Tier 1 risk-based capital ratio | 12.5652% | 5,553 |
Total risk-based capital ratio | 13.8203% | 5,511 |
Memoranda: | ||
Average total assets | $252,946,000 | 2,539 |
Average earning assets | $222,795,500 | 2,625 |
Average equity | $22,654,500 | 2,891 |
Average total loans | $126,866,000 | 3,003 |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4838% | 5,140 |
Cost of funding earning assets | 0.4901% | 6,577 |
Net interest margin | 3.9937% | 2,916 |
Noninterest income to average assets | 0.7975% | 2,075 |
Noninterest expense to average assets | 4.1072% | 901 |
Loan and lease loss provision to assets | 1.2336% | 696 |
Net operating income to assets | -0.6628% | 6,585 |
Return on assets (ROA) | -0.6124% | 6,602 |
Pretax return on assets | -0.9670% | 6,715 |
Return on Equity (ROE) | -6.7812% | 6,618 |
Retained earnings to average equity (ytd only) | -6.7812% | 6,557 |
Net charge-offs to loans | 1.6158% | 972 |
Credit loss provision to net charge-offs | 144.5657% | 1,994 |
Earnings coverage of net charge-offs (x) | 0.2201% | 5,661 |
Efficiency ratio | 95.6270% | 840 |
Assets per employee ($millions) | 4.4550% | 2,984 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6508% | 3,375 |
Loan loss allowance to noncurrent loans | 58.7927% | 4,573 |
Noncurrent assets plus other real estate owned to assets | 4.6577% | 1,175 |
Noncurrent loans to loans | 2.8079% | 2,334 |
Net loans and leases to total assets | 49.1799% | 5,697 |
Net loans and leases to deposits | 54.1178% | 6,056 |
Net loans and leases to core deposits | 62.4923% | 5,599 |
Total domestic deposits to total assets | 90.8757% | 552 |
Equity capital to assets | 8.8487% | 5,732 |
Core capital (leverage) ratio | 8.5048% | 5,551 |
Tier 1 risk-based capital ratio | 12.8042% | 5,237 |
Total risk-based capital ratio | 14.0483% | 5,225 |
Memoranda: | ||
Average total assets | $257,694,800 | 2,451 |
Average earning assets | $225,678,000 | 2,549 |
Average equity | $23,270,200 | 2,753 |
Average total loans | $136,096,000 | 2,875 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6567% | 4,648 |
Cost of funding earning assets | 0.5251% | 6,603 |
Net interest margin | 4.1316% | 2,349 |
Noninterest income to average assets | 0.8004% | 2,057 |
Noninterest expense to average assets | 3.8277% | 1,267 |
Loan and lease loss provision to assets | 1.4264% | 499 |
Net operating income to assets | -0.5415% | 6,656 |
Return on assets (ROA) | -0.4743% | 6,671 |
Pretax return on assets | -0.7471% | 6,755 |
Return on Equity (ROE) | -5.2255% | 6,686 |
Retained earnings to average equity (ytd only) | -5.2255% | 6,608 |
Net charge-offs to loans | 1.6340% | 856 |
Credit loss provision to net charge-offs | 163.1143% | 1,880 |
Earnings coverage of net charge-offs (x) | 0.6566% | 5,132 |
Efficiency ratio | 86.9560% | 1,441 |
Assets per employee ($millions) | 4.3932% | 3,086 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7069% | 3,246 |
Loan loss allowance to noncurrent loans | 61.8623% | 4,377 |
Noncurrent assets plus other real estate owned to assets | 4.7655% | 1,230 |
Noncurrent loans to loans | 2.7593% | 2,526 |
Net loans and leases to total assets | 49.2982% | 5,798 |
Net loans and leases to deposits | 56.6280% | 5,968 |
Net loans and leases to core deposits | 66.8197% | 5,331 |
Total domestic deposits to total assets | 87.0562% | 2,618 |
Equity capital to assets | 9.0788% | 5,662 |
Core capital (leverage) ratio | 8.7104% | 5,393 |
Tier 1 risk-based capital ratio | 13.4980% | 4,733 |
Total risk-based capital ratio | 14.7490% | 4,705 |
Memoranda: | ||
Average total assets | $257,521,500 | 2,457 |
Average earning assets | $224,474,250 | 2,571 |
Average equity | $23,371,750 | 2,742 |
Average total loans | $137,818,000 | 2,862 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6332% | 4,828 |
Cost of funding earning assets | 0.5419% | 6,693 |
Net interest margin | 4.0912% | 2,443 |
Noninterest income to average assets | 0.7814% | 2,104 |
Noninterest expense to average assets | 3.7398% | 1,465 |
Loan and lease loss provision to assets | 0.3043% | 2,975 |
Net operating income to assets | 0.2008% | 5,736 |
Return on assets (ROA) | 0.2561% | 5,657 |
Pretax return on assets | 0.4257% | 5,315 |
Return on Equity (ROE) | 2.8218% | 5,472 |
Retained earnings to average equity (ytd only) | 2.8218% | 4,488 |
Net charge-offs to loans | 0.6751% | 2,149 |
Credit loss provision to net charge-offs | 82.4895% | 3,697 |
Earnings coverage of net charge-offs (x) | 1.7447% | 3,996 |
Efficiency ratio | 85.3161% | 1,669 |
Assets per employee ($millions) | 4.4999% | 2,835 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.7606% | 6,939 |
Loan loss allowance to noncurrent loans | 15.6616% | 6,845 |
Noncurrent assets plus other real estate owned to assets | 4.5647% | 1,375 |
Noncurrent loans to loans | 4.8564% | 1,360 |
Net loans and leases to total assets | 52.5842% | 5,489 |
Net loans and leases to deposits | 63.5066% | 5,338 |
Net loans and leases to core deposits | 75.9764% | 4,320 |
Total domestic deposits to total assets | 82.8012% | 4,849 |
Equity capital to assets | 9.2442% | 5,208 |
Core capital (leverage) ratio | 9.4910% | 3,972 |
Tier 1 risk-based capital ratio | 14.1907% | 4,024 |
Total risk-based capital ratio | 14.7970% | 4,479 |
Memoranda: | ||
Average total assets | $256,962,670 | 2,481 |
Average earning assets | $226,239,000 | 2,566 |
Average equity | $23,318,330 | 2,724 |
Average total loans | $140,424,330 | 2,838 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3358% | 5,896 |
Cost of funding earning assets | 0.5629% | 6,755 |
Net interest margin | 3.7729% | 3,744 |
Noninterest income to average assets | 0.7756% | 2,128 |
Noninterest expense to average assets | 3.7468% | 1,445 |
Loan and lease loss provision to assets | 0.1994% | 3,639 |
Net operating income to assets | 0.1137% | 6,060 |
Return on assets (ROA) | 0.1330% | 6,056 |
Pretax return on assets | 0.2121% | 5,911 |
Return on Equity (ROE) | 1.4798% | 5,988 |
Retained earnings to average equity (ytd only) | 1.4798% | 5,220 |
Net charge-offs to loans | 0.2594% | 3,030 |
Credit loss provision to net charge-offs | 138.4615% | 2,021 |
Earnings coverage of net charge-offs (x) | 2.6484% | 3,017 |
Efficiency ratio | 90.7592% | 1,260 |
Assets per employee ($millions) | 4.2519% | 3,337 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8363% | 6,849 |
Loan loss allowance to noncurrent loans | 24.1463% | 6,600 |
Noncurrent assets plus other real estate owned to assets | 4.3376% | 1,509 |
Noncurrent loans to loans | 3.4636% | 2,156 |
Net loans and leases to total assets | 57.1181% | 4,783 |
Net loans and leases to deposits | 63.5977% | 5,307 |
Net loans and leases to core deposits | 75.5294% | 4,358 |
Total domestic deposits to total assets | 89.8115% | 1,275 |
Equity capital to assets | 9.7149% | 4,155 |
Core capital (leverage) ratio | 9.7881% | 3,403 |
Tier 1 risk-based capital ratio | 14.2033% | 3,939 |
Total risk-based capital ratio | 14.8850% | 4,302 |
Memoranda: | ||
Average total assets | $252,696,000 | 2,544 |
Average earning assets | $224,547,000 | 2,607 |
Average equity | $22,706,000 | 2,778 |
Average total loans | $140,297,000 | 2,881 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4672% | 6,476 |
Cost of funding earning assets | 0.7790% | 6,650 |
Net interest margin | 3.6883% | 4,400 |
Noninterest income to average assets | 0.7319% | 2,637 |
Noninterest expense to average assets | 3.9864% | 1,177 |
Loan and lease loss provision to assets | 0.4870% | 3,226 |
Net operating income to assets | -0.3007% | 6,217 |
Return on assets (ROA) | -0.0516% | 6,014 |
Pretax return on assets | -0.0693% | 5,972 |
Return on Equity (ROE) | -0.5744% | 6,022 |
Retained earnings to average equity (ytd only) | -0.5744% | 5,720 |
Net charge-offs to loans | 1.1328% | 1,969 |
Credit loss provision to net charge-offs | 78.4555% | 5,615 |
Earnings coverage of net charge-offs (x) | 0.1304% | 5,993 |
Efficiency ratio | 98.0095% | 869 |
Assets per employee ($millions) | 3.9812% | 3,824 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8322% | 6,898 |
Loan loss allowance to noncurrent loans | 25.3407% | 6,579 |
Noncurrent assets plus other real estate owned to assets | 4.0046% | 1,698 |
Noncurrent loans to loans | 3.2841% | 2,309 |
Net loans and leases to total assets | 53.0926% | 5,767 |
Net loans and leases to deposits | 62.6419% | 5,779 |
Net loans and leases to core deposits | 75.4840% | 4,788 |
Total domestic deposits to total assets | 84.7558% | 3,969 |
Equity capital to assets | 8.2904% | 6,159 |
Core capital (leverage) ratio | 8.4942% | 5,381 |
Tier 1 risk-based capital ratio | 12.9054% | 4,680 |
Total risk-based capital ratio | 13.5752% | 5,152 |
Memoranda: | ||
Average total assets | $248,266,200 | 2,554 |
Average earning assets | $224,523,200 | 2,573 |
Average equity | $22,285,600 | 2,848 |
Average total loans | $136,028,800 | 3,014 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3392% | 6,911 |
Cost of funding earning assets | 0.7997% | 6,764 |
Net interest margin | 3.5396% | 5,140 |
Noninterest income to average assets | 1.1610% | 1,036 |
Noninterest expense to average assets | 3.8696% | 1,247 |
Loan and lease loss provision to assets | 0.5840% | 2,601 |
Net operating income to assets | -0.0543% | 6,109 |
Return on assets (ROA) | 0.1878% | 5,703 |
Pretax return on assets | 0.3099% | 5,477 |
Return on Equity (ROE) | 2.0509% | 5,585 |
Retained earnings to average equity (ytd only) | 2.0509% | 4,931 |
Net charge-offs to loans | 1.5312% | 1,312 |
Credit loss provision to net charge-offs | 69.1961% | 5,440 |
Earnings coverage of net charge-offs (x) | 0.6109% | 5,421 |
Efficiency ratio | 88.2411% | 1,438 |
Assets per employee ($millions) | 4.0650% | 3,707 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.7185% | 7,166 |
Loan loss allowance to noncurrent loans | 22.3728% | 6,793 |
Noncurrent assets plus other real estate owned to assets | 3.9904% | 1,754 |
Noncurrent loans to loans | 3.2117% | 2,475 |
Net loans and leases to total assets | 55.2080% | 5,668 |
Net loans and leases to deposits | 66.7843% | 5,572 |
Net loans and leases to core deposits | 81.1945% | 4,356 |
Total domestic deposits to total assets | 82.6661% | 4,729 |
Equity capital to assets | 8.9836% | 5,602 |
Core capital (leverage) ratio | 8.8715% | 4,891 |
Tier 1 risk-based capital ratio | 12.6438% | 4,859 |
Total risk-based capital ratio | 13.2068% | 5,472 |
Memoranda: | ||
Average total assets | $245,637,750 | 2,626 |
Average earning assets | $223,751,500 | 2,620 |
Average equity | $22,493,500 | 2,863 |
Average total loans | $135,399,500 | 3,067 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3759% | 6,947 |
Cost of funding earning assets | 0.8054% | 6,900 |
Net interest margin | 3.5705% | 4,946 |
Noninterest income to average assets | 1.1425% | 999 |
Noninterest expense to average assets | 3.8405% | 1,285 |
Loan and lease loss provision to assets | 0.4025% | 3,307 |
Net operating income to assets | 0.1078% | 5,846 |
Return on assets (ROA) | 0.2571% | 5,486 |
Pretax return on assets | 0.4205% | 5,156 |
Return on Equity (ROE) | 2.7891% | 5,330 |
Retained earnings to average equity (ytd only) | 2.7891% | 4,361 |
Net charge-offs to loans | 1.5334% | 1,248 |
Credit loss provision to net charge-offs | 47.7583% | 5,468 |
Earnings coverage of net charge-offs (x) | 0.6998% | 5,044 |
Efficiency ratio | 86.6889% | 1,632 |
Assets per employee ($millions) | 3.9317% | 3,906 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.6818% | 7,284 |
Loan loss allowance to noncurrent loans | 13.2330% | 7,187 |
Noncurrent assets plus other real estate owned to assets | 3.8128% | 1,825 |
Noncurrent loans to loans | 5.1520% | 1,328 |
Net loans and leases to total assets | 54.9999% | 5,843 |
Net loans and leases to deposits | 66.5804% | 5,737 |
Net loans and leases to core deposits | 81.6022% | 4,479 |
Total domestic deposits to total assets | 82.6067% | 4,734 |
Equity capital to assets | 8.9959% | 5,453 |
Core capital (leverage) ratio | 9.0070% | 4,590 |
Tier 1 risk-based capital ratio | 12.6944% | 4,693 |
Total risk-based capital ratio | 13.2284% | 5,295 |
Memoranda: | ||
Average total assets | $243,508,000 | 2,671 |
Average earning assets | $224,229,000 | 2,637 |
Average equity | $22,444,330 | 2,867 |
Average total loans | $133,817,330 | 3,131 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3739% | 7,033 |
Cost of funding earning assets | 0.8136% | 7,046 |
Net interest margin | 3.5603% | 4,902 |
Noninterest income to average assets | 0.9622% | 1,414 |
Noninterest expense to average assets | 3.7603% | 1,394 |
Loan and lease loss provision to assets | 0.4176% | 2,870 |
Net operating income to assets | 0.0459% | 6,169 |
Return on assets (ROA) | 0.1988% | 5,812 |
Pretax return on assets | 0.3274% | 5,532 |
Return on Equity (ROE) | 2.1299% | 5,714 |
Retained earnings to average equity (ytd only) | 2.1299% | 4,857 |
Net charge-offs to loans | 3.1163% | 483 |
Credit loss provision to net charge-offs | 24.4858% | 4,895 |
Earnings coverage of net charge-offs (x) | 0.2968% | 4,777 |
Efficiency ratio | 88.1363% | 1,574 |
Assets per employee ($millions) | 3.7990% | 4,314 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.5452% | 7,553 |
Loan loss allowance to noncurrent loans | 17.1834% | 7,142 |
Noncurrent assets plus other real estate owned to assets | 2.5043% | 2,902 |
Noncurrent loans to loans | 3.1730% | 2,527 |
Net loans and leases to total assets | 52.8155% | 6,177 |
Net loans and leases to deposits | 62.8632% | 6,186 |
Net loans and leases to core deposits | 76.2259% | 5,228 |
Total domestic deposits to total assets | 84.0166% | 4,141 |
Equity capital to assets | 9.1242% | 5,100 |
Core capital (leverage) ratio | 9.3680% | 3,949 |
Tier 1 risk-based capital ratio | 13.8632% | 3,755 |
Total risk-based capital ratio | 14.3019% | 4,270 |
Memoranda: | ||
Average total assets | $239,449,000 | 2,769 |
Average earning assets | $222,229,500 | 2,712 |
Average equity | $22,348,500 | 2,900 |
Average total loans | $131,054,000 | 3,243 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8210% | 6,906 |
Cost of funding earning assets | 1.2824% | 6,370 |
Net interest margin | 3.5386% | 4,785 |
Noninterest income to average assets | 0.8652% | 2,108 |
Noninterest expense to average assets | 3.6696% | 1,981 |
Loan and lease loss provision to assets | 0.4006% | 4,410 |
Net operating income to assets | 0.0084% | 5,460 |
Return on assets (ROA) | 0.2040% | 4,950 |
Pretax return on assets | 0.4019% | 4,495 |
Return on Equity (ROE) | 2.0825% | 4,870 |
Retained earnings to average equity (ytd only) | 2.0825% | 3,645 |
Net charge-offs to loans | 0.0409% | 6,703 |
Credit loss provision to net charge-offs | 1,744.2308% | 183 |
Earnings coverage of net charge-offs (x) | 21.6346% | 990 |
Efficiency ratio | 88.0750% | 1,874 |
Assets per employee ($millions) | 3.6244% | 4,715 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1346% | 5,725 |
Loan loss allowance to noncurrent loans | 29.6370% | 6,495 |
Noncurrent assets plus other real estate owned to assets | 2.9453% | 2,380 |
Noncurrent loans to loans | 3.8283% | 1,948 |
Net loans and leases to total assets | 55.8223% | 5,976 |
Net loans and leases to deposits | 64.5297% | 6,206 |
Net loans and leases to core deposits | 95.0328% | 4,565 |
Total domestic deposits to total assets | 86.5064% | 2,761 |
Equity capital to assets | 9.5559% | 4,348 |
Core capital (leverage) ratio | 9.3878% | 3,845 |
Tier 1 risk-based capital ratio | 14.5102% | 3,206 |
Total risk-based capital ratio | 15.4785% | 3,314 |
Memoranda: | ||
Average total assets | $226,430,400 | 2,864 |
Average earning assets | $211,243,200 | 2,823 |
Average equity | $22,185,200 | 2,930 |
Average total loans | $127,257,400 | 3,322 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8300% | 7,051 |
Cost of funding earning assets | 1.3737% | 6,319 |
Net interest margin | 3.4562% | 5,044 |
Noninterest income to average assets | 0.9053% | 1,964 |
Noninterest expense to average assets | 3.5861% | 2,054 |
Loan and lease loss provision to assets | 0.1949% | 5,435 |
Net operating income to assets | 0.2063% | 5,129 |
Return on assets (ROA) | 0.3140% | 4,848 |
Pretax return on assets | 0.5225% | 4,446 |
Return on Equity (ROE) | 3.1845% | 4,709 |
Retained earnings to average equity (ytd only) | 3.1845% | 3,532 |
Net charge-offs to loans | 0.0517% | 6,193 |
Credit loss provision to net charge-offs | 671.4286% | 556 |
Earnings coverage of net charge-offs (x) | 18.9189% | 1,324 |
Efficiency ratio | 86.7192% | 1,992 |
Assets per employee ($millions) | 3.8737% | 4,009 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.7122% | 7,339 |
Loan loss allowance to noncurrent loans | 15.3950% | 7,315 |
Noncurrent assets plus other real estate owned to assets | 2.4612% | 2,796 |
Noncurrent loans to loans | 4.6264% | 1,492 |
Net loans and leases to total assets | 52.8193% | 6,522 |
Net loans and leases to deposits | 60.9085% | 6,757 |
Net loans and leases to core deposits | 91.4165% | 5,290 |
Total domestic deposits to total assets | 86.7190% | 2,317 |
Equity capital to assets | 9.4512% | 4,812 |
Core capital (leverage) ratio | 9.6739% | 3,684 |
Tier 1 risk-based capital ratio | 15.0236% | 3,029 |
Total risk-based capital ratio | 15.6357% | 3,282 |
Memoranda: | ||
Average total assets | $225,047,750 | 2,895 |
Average earning assets | $210,321,000 | 2,854 |
Average equity | $22,190,000 | 2,950 |
Average total loans | $126,328,750 | 3,379 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9692% | 6,876 |
Cost of funding earning assets | 1.4583% | 6,297 |
Net interest margin | 3.5109% | 4,754 |
Noninterest income to average assets | 0.8282% | 2,280 |
Noninterest expense to average assets | 3.5817% | 2,116 |
Loan and lease loss provision to assets | 0.2082% | 4,963 |
Net operating income to assets | 0.2154% | 5,204 |
Return on assets (ROA) | 0.2864% | 5,060 |
Pretax return on assets | 0.4736% | 4,705 |
Return on Equity (ROE) | 2.8610% | 4,954 |
Retained earnings to average equity (ytd only) | 2.8610% | 3,735 |
Net charge-offs to loans | 0.0524% | 5,758 |
Credit loss provision to net charge-offs | 693.9394% | 674 |
Earnings coverage of net charge-offs (x) | 19.0303% | 1,387 |
Efficiency ratio | 86.2522% | 2,207 |
Assets per employee ($millions) | 3.5624% | 4,657 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.6421% | 7,557 |
Loan loss allowance to noncurrent loans | 13.7713% | 7,407 |
Noncurrent assets plus other real estate owned to assets | 2.6725% | 2,399 |
Noncurrent loans to loans | 4.6625% | 1,364 |
Net loans and leases to total assets | 56.9523% | 6,092 |
Net loans and leases to deposits | 63.6075% | 6,603 |
Net loans and leases to core deposits | 98.7942% | 4,620 |
Total domestic deposits to total assets | 89.5370% | 1,028 |
Equity capital to assets | 9.8993% | 4,085 |
Core capital (leverage) ratio | 9.9169% | 3,383 |
Tier 1 risk-based capital ratio | 14.4786% | 3,261 |
Total risk-based capital ratio | 15.0192% | 3,578 |
Memoranda: | ||
Average total assets | $220,007,000 | 2,976 |
Average earning assets | $208,323,330 | 2,893 |
Average equity | $22,020,330 | 2,969 |
Average total loans | $125,849,670 | 3,424 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2081% | 6,264 |
Cost of funding earning assets | 1.5578% | 6,204 |
Net interest margin | 3.6503% | 4,100 |
Noninterest income to average assets | 0.7255% | 2,730 |
Noninterest expense to average assets | 3.6034% | 1,861 |
Loan and lease loss provision to assets | 0.4206% | 2,822 |
Net operating income to assets | 0.0880% | 6,018 |
Return on assets (ROA) | 0.2314% | 5,720 |
Pretax return on assets | 0.3857% | 5,440 |
Return on Equity (ROE) | 2.2991% | 5,664 |
Retained earnings to average equity (ytd only) | 2.2991% | 4,596 |
Net charge-offs to loans | 0.0354% | 5,016 |
Credit loss provision to net charge-offs | 2,081.8182% | 306 |
Earnings coverage of net charge-offs (x) | 28.8182% | 1,091 |
Efficiency ratio | 86.0904% | 2,056 |
Assets per employee ($millions) | 3.4689% | 4,895 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.6718% | 7,525 |
Loan loss allowance to noncurrent loans | 14.3413% | 7,422 |
Noncurrent assets plus other real estate owned to assets | 2.6634% | 2,153 |
Noncurrent loans to loans | 4.6845% | 1,198 |
Net loans and leases to total assets | 56.4740% | 6,170 |
Net loans and leases to deposits | 63.1052% | 6,642 |
Net loans and leases to core deposits | 98.9730% | 4,647 |
Total domestic deposits to total assets | 89.4919% | 1,015 |
Equity capital to assets | 9.8536% | 4,177 |
Core capital (leverage) ratio | 10.1705% | 3,224 |
Tier 1 risk-based capital ratio | 14.9726% | 3,080 |
Total risk-based capital ratio | 15.5515% | 3,353 |
Memoranda: | ||
Average total assets | $217,795,500 | 3,015 |
Average earning assets | $206,449,000 | 2,931 |
Average equity | $21,922,000 | 2,985 |
Average total loans | $124,452,500 | 3,475 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.2624% | 4,171 |
Cost of funding earning assets | 2.1782% | 5,690 |
Net interest margin | 4.0841% | 2,780 |
Noninterest income to average assets | 0.8162% | 2,421 |
Noninterest expense to average assets | 4.0842% | 1,304 |
Loan and lease loss provision to assets | -0.0660% | 8,241 |
Net operating income to assets | 0.4137% | 5,100 |
Return on assets (ROA) | 0.4494% | 4,778 |
Pretax return on assets | 0.7442% | 4,266 |
Return on Equity (ROE) | 3.9140% | 4,855 |
Retained earnings to average equity (ytd only) | 3.9140% | 2,692 |
Net charge-offs to loans | 0.0054% | 6,899 |
Credit loss provision to net charge-offs | -2,050.0000% | 7,479 |
Earnings coverage of net charge-offs (x) | 193.1667% | 244 |
Efficiency ratio | 86.7770% | 1,780 |
Assets per employee ($millions) | 3.2361% | 5,377 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.5144% | 7,831 |
Loan loss allowance to noncurrent loans | 26.5126% | 6,915 |
Noncurrent assets plus other real estate owned to assets | 1.2192% | 3,799 |
Noncurrent loans to loans | 1.9400% | 2,845 |
Net loans and leases to total assets | 57.1437% | 6,317 |
Net loans and leases to deposits | 64.2111% | 6,774 |
Net loans and leases to core deposits | 97.9071% | 5,050 |
Total domestic deposits to total assets | 88.9934% | 1,044 |
Equity capital to assets | 10.2856% | 3,729 |
Core capital (leverage) ratio | 10.3647% | 3,105 |
Tier 1 risk-based capital ratio | 15.4434% | 2,862 |
Total risk-based capital ratio | 15.8903% | 3,153 |
Memoranda: | ||
Average total assets | $186,230,800 | 3,323 |
Average earning assets | $177,393,200 | 3,218 |
Average equity | $21,385,000 | 3,054 |
Average total loans | $111,520,000 | 3,648 |