Home > First Louisiana National Bank > Performance and Condition Ratios
First Louisiana National Bank, Performance and Condition Ratios
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 | 4.3294% | 5,849 |
Cost of funding earning assets | 0.8225% | 4,989 |
Net interest margin | 3.5068% | 5,162 |
Noninterest income to average assets | 0.9255% | 1,563 |
Noninterest expense to average assets | 3.2208% | 2,765 |
Loan and lease loss provision to assets | 0.0000% | 6,393 |
Net operating income to assets | 0.9799% | 2,391 |
Return on assets (ROA) | 0.9799% | 2,552 |
Pretax return on assets | 0.9799% | 3,475 |
Return on Equity (ROE) | 9.6930% | 2,312 |
Retained earnings to average equity (ytd only) | 5.9165% | 2,605 |
Net charge-offs to loans | -0.0131% | 6,820 |
Credit loss provision to net charge-offs | 0.0000% | 5,735 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 76.6731% | 2,730 |
Assets per employee ($millions) | 2.5234% | 6,862 |
Cash dividends to net income (ytd only)* | 38.9610% | 2,076 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9122% | 2,582 |
Loan loss allowance to noncurrent loans | 3,896.0000% | 118 |
Noncurrent assets plus other real estate owned to assets | 0.0211% | 7,011 |
Noncurrent loans to loans | 0.0491% | 6,814 |
Net loans and leases to total assets | 42.1280% | 6,495 |
Net loans and leases to deposits | 47.1096% | 6,682 |
Net loans and leases to core deposits | 49.7892% | 6,678 |
Total domestic deposits to total assets | 89.4256% | 1,178 |
Equity capital to assets | 10.3830% | 3,851 |
Core capital (leverage) ratio | 10.3543% | 3,029 |
Tier 1 risk-based capital ratio | 21.9292% | 1,301 |
Total risk-based capital ratio | 23.1850% | 1,276 |
Memoranda: | ||
Average total assets | $115,248,000 | 4,547 |
Average earning assets | $107,634,250 | 4,489 |
Average equity | $11,650,750 | 4,648 |
Average total loans | $50,877,500 | 5,281 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3473% | 5,853 |
Cost of funding earning assets | 0.8864% | 4,784 |
Net interest margin | 3.4609% | 5,320 |
Noninterest income to average assets | 0.9375% | 1,500 |
Noninterest expense to average assets | 3.2541% | 2,717 |
Loan and lease loss provision to assets | 0.0000% | 6,217 |
Net operating income to assets | 0.9130% | 2,582 |
Return on assets (ROA) | 0.9130% | 2,685 |
Pretax return on assets | 0.9130% | 3,572 |
Return on Equity (ROE) | 9.1166% | 2,459 |
Retained earnings to average equity (ytd only) | 5.2670% | 2,825 |
Net charge-offs to loans | -0.0275% | 6,898 |
Credit loss provision to net charge-offs | 0.0000% | 5,336 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 78.0908% | 2,696 |
Assets per employee ($millions) | 2.4715% | 6,945 |
Cash dividends to net income (ytd only)* | 42.2265% | 1,979 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9361% | 2,554 |
Loan loss allowance to noncurrent loans | 388.8446% | 831 |
Noncurrent assets plus other real estate owned to assets | 0.2161% | 6,577 |
Noncurrent loans to loans | 0.4979% | 5,909 |
Net loans and leases to total assets | 42.5577% | 6,557 |
Net loans and leases to deposits | 47.5666% | 6,752 |
Net loans and leases to core deposits | 50.1965% | 6,748 |
Total domestic deposits to total assets | 89.4697% | 1,259 |
Equity capital to assets | 10.3323% | 3,708 |
Core capital (leverage) ratio | 10.2075% | 3,023 |
Tier 1 risk-based capital ratio | 21.8109% | 1,287 |
Total risk-based capital ratio | 23.0681% | 1,257 |
Memoranda: | ||
Average total assets | $114,131,330 | 4,607 |
Average earning assets | $106,503,330 | 4,548 |
Average equity | $11,429,670 | 4,707 |
Average total loans | $50,857,670 | 5,318 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4007% | 5,699 |
Cost of funding earning assets | 0.9181% | 4,791 |
Net interest margin | 3.4826% | 5,088 |
Noninterest income to average assets | 0.8946% | 1,679 |
Noninterest expense to average assets | 3.2886% | 2,597 |
Loan and lease loss provision to assets | 0.0000% | 5,840 |
Net operating income to assets | 0.8522% | 2,769 |
Return on assets (ROA) | 0.8522% | 2,830 |
Pretax return on assets | 0.8522% | 3,697 |
Return on Equity (ROE) | 8.6508% | 2,629 |
Retained earnings to average equity (ytd only) | 4.7023% | 3,376 |
Net charge-offs to loans | -0.0548% | 6,912 |
Credit loss provision to net charge-offs | 0.0000% | 4,480 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 79.4193% | 2,631 |
Assets per employee ($millions) | 2.4435% | 7,060 |
Cash dividends to net income (ytd only)* | 45.6432% | 1,607 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9518% | 2,539 |
Loan loss allowance to noncurrent loans | 1,574.1935% | 266 |
Noncurrent assets plus other real estate owned to assets | 0.0540% | 7,029 |
Noncurrent loans to loans | 0.1240% | 6,739 |
Net loans and leases to total assets | 42.6911% | 6,564 |
Net loans and leases to deposits | 47.3861% | 6,777 |
Net loans and leases to core deposits | 49.8835% | 6,779 |
Total domestic deposits to total assets | 90.0919% | 1,100 |
Equity capital to assets | 9.7470% | 4,112 |
Core capital (leverage) ratio | 10.3409% | 2,767 |
Tier 1 risk-based capital ratio | 21.8210% | 1,256 |
Total risk-based capital ratio | 23.0784% | 1,228 |
Memoranda: | ||
Average total assets | $113,117,000 | 4,664 |
Average earning assets | $105,438,500 | 4,604 |
Average equity | $11,143,500 | 4,763 |
Average total loans | $51,081,000 | 5,361 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8310% | 5,309 |
Cost of funding earning assets | 1.1327% | 4,950 |
Net interest margin | 3.6984% | 4,347 |
Noninterest income to average assets | 1.0863% | 1,270 |
Noninterest expense to average assets | 3.4137% | 2,401 |
Loan and lease loss provision to assets | 0.0062% | 7,014 |
Net operating income to assets | 1.0669% | 1,821 |
Return on assets (ROA) | 1.0669% | 1,906 |
Pretax return on assets | 1.0669% | 2,709 |
Return on Equity (ROE) | 10.6195% | 1,719 |
Retained earnings to average equity (ytd only) | 1.3920% | 4,842 |
Net charge-offs to loans | 0.0699% | 6,102 |
Credit loss provision to net charge-offs | 18.4211% | 6,565 |
Earnings coverage of net charge-offs (x) | 32.1053% | 694 |
Efficiency ratio | 76.0831% | 3,043 |
Assets per employee ($millions) | 2.3700% | 7,156 |
Cash dividends to net income (ytd only)* | 86.8920% | 653 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8579% | 2,669 |
Loan loss allowance to noncurrent loans | 888.9908% | 405 |
Noncurrent assets plus other real estate owned to assets | 0.0979% | 6,989 |
Noncurrent loans to loans | 0.2090% | 6,651 |
Net loans and leases to total assets | 45.9547% | 6,562 |
Net loans and leases to deposits | 51.1445% | 6,797 |
Net loans and leases to core deposits | 54.2384% | 6,800 |
Total domestic deposits to total assets | 89.8526% | 1,187 |
Equity capital to assets | 9.9589% | 3,798 |
Core capital (leverage) ratio | 10.2745% | 2,793 |
Tier 1 risk-based capital ratio | 21.3326% | 1,270 |
Total risk-based capital ratio | 22.5887% | 1,245 |
Memoranda: | ||
Average total assets | $113,688,600 | 4,623 |
Average earning assets | $104,532,400 | 4,595 |
Average equity | $11,422,400 | 4,759 |
Average total loans | $54,368,200 | 5,301 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8933% | 5,298 |
Cost of funding earning assets | 1.1737% | 5,016 |
Net interest margin | 3.7196% | 4,307 |
Noninterest income to average assets | 1.1179% | 1,121 |
Noninterest expense to average assets | 3.4761% | 2,094 |
Loan and lease loss provision to assets | 0.0082% | 6,941 |
Net operating income to assets | 1.0432% | 2,093 |
Return on assets (ROA) | 1.0432% | 2,199 |
Pretax return on assets | 1.0432% | 3,024 |
Return on Equity (ROE) | 10.3607% | 1,988 |
Retained earnings to average equity (ytd only) | 0.6837% | 5,526 |
Net charge-offs to loans | 0.0704% | 5,807 |
Credit loss provision to net charge-offs | 24.1379% | 6,210 |
Earnings coverage of net charge-offs (x) | 31.0654% | 859 |
Efficiency ratio | 76.7784% | 2,802 |
Assets per employee ($millions) | 2.3724% | 7,227 |
Cash dividends to net income (ytd only)* | 93.4008% | 421 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8448% | 2,644 |
Loan loss allowance to noncurrent loans | 1,086.6667% | 340 |
Noncurrent assets plus other real estate owned to assets | 0.0807% | 7,142 |
Noncurrent loans to loans | 0.1698% | 6,843 |
Net loans and leases to total assets | 46.6661% | 6,642 |
Net loans and leases to deposits | 52.2497% | 6,881 |
Net loans and leases to core deposits | 55.6822% | 6,875 |
Total domestic deposits to total assets | 89.3135% | 1,223 |
Equity capital to assets | 10.3852% | 3,664 |
Core capital (leverage) ratio | 10.2413% | 2,992 |
Tier 1 risk-based capital ratio | 21.2340% | 1,323 |
Total risk-based capital ratio | 22.4913% | 1,299 |
Memoranda: | ||
Average total assets | $114,263,750 | 4,667 |
Average earning assets | $104,739,250 | 4,648 |
Average equity | $11,504,750 | 4,807 |
Average total loans | $54,921,000 | 5,347 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9339% | 5,253 |
Cost of funding earning assets | 1.2140% | 5,049 |
Net interest margin | 3.7199% | 4,271 |
Noninterest income to average assets | 1.1443% | 993 |
Noninterest expense to average assets | 3.5352% | 1,942 |
Loan and lease loss provision to assets | 0.0122% | 6,788 |
Net operating income to assets | 0.9967% | 2,212 |
Return on assets (ROA) | 0.9967% | 2,289 |
Pretax return on assets | 0.9967% | 3,129 |
Return on Equity (ROE) | 10.0003% | 2,106 |
Retained earnings to average equity (ytd only) | -2.6307% | 6,246 |
Net charge-offs to loans | 0.0756% | 5,386 |
Credit loss provision to net charge-offs | 33.3333% | 5,688 |
Earnings coverage of net charge-offs (x) | 27.6667% | 970 |
Efficiency ratio | 77.7990% | 2,758 |
Assets per employee ($millions) | 2.2144% | 7,422 |
Cash dividends to net income (ytd only)* | 126.3066% | 255 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7974% | 2,723 |
Loan loss allowance to noncurrent loans | 533.5135% | 614 |
Noncurrent assets plus other real estate owned to assets | 0.1607% | 6,984 |
Noncurrent loans to loans | 0.3369% | 6,558 |
Net loans and leases to total assets | 46.8319% | 6,720 |
Net loans and leases to deposits | 52.0923% | 6,971 |
Net loans and leases to core deposits | 55.2288% | 6,981 |
Total domestic deposits to total assets | 89.9017% | 968 |
Equity capital to assets | 9.8473% | 4,207 |
Core capital (leverage) ratio | 9.6908% | 3,549 |
Tier 1 risk-based capital ratio | 18.9540% | 1,732 |
Total risk-based capital ratio | 20.2087% | 1,699 |
Memoranda: | ||
Average total assets | $115,183,330 | 4,676 |
Average earning assets | $105,271,670 | 4,660 |
Average equity | $11,479,670 | 4,807 |
Average total loans | $55,557,000 | 5,360 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9111% | 5,405 |
Cost of funding earning assets | 1.2287% | 5,239 |
Net interest margin | 3.6824% | 4,342 |
Noninterest income to average assets | 1.1285% | 980 |
Noninterest expense to average assets | 3.5382% | 1,892 |
Loan and lease loss provision to assets | 0.0278% | 6,400 |
Net operating income to assets | 0.9444% | 2,379 |
Return on assets (ROA) | 0.9444% | 2,445 |
Pretax return on assets | 0.9444% | 3,292 |
Return on Equity (ROE) | 9.4199% | 2,333 |
Retained earnings to average equity (ytd only) | 5.4372% | 2,909 |
Net charge-offs to loans | 0.0573% | 4,838 |
Credit loss provision to net charge-offs | 100.0000% | 3,385 |
Earnings coverage of net charge-offs (x) | 35.0000% | 779 |
Efficiency ratio | 78.4450% | 2,822 |
Assets per employee ($millions) | 2.2650% | 7,489 |
Cash dividends to net income (ytd only)* | 42.2794% | 1,689 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7888% | 2,771 |
Loan loss allowance to noncurrent loans | 354.6099% | 879 |
Noncurrent assets plus other real estate owned to assets | 0.2441% | 6,853 |
Noncurrent loans to loans | 0.5045% | 6,287 |
Net loans and leases to total assets | 47.5280% | 6,715 |
Net loans and leases to deposits | 52.9339% | 6,986 |
Net loans and leases to core deposits | 56.3225% | 6,974 |
Total domestic deposits to total assets | 89.7875% | 1,089 |
Equity capital to assets | 9.9918% | 3,888 |
Core capital (leverage) ratio | 10.0571% | 3,090 |
Tier 1 risk-based capital ratio | 19.2940% | 1,656 |
Total risk-based capital ratio | 20.5488% | 1,626 |
Memoranda: | ||
Average total assets | $115,201,000 | 4,736 |
Average earning assets | $105,801,000 | 4,714 |
Average equity | $11,550,000 | 4,835 |
Average total loans | $55,879,000 | 5,428 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3194% | 5,084 |
Cost of funding earning assets | 1.4512% | 5,720 |
Net interest margin | 3.8683% | 3,402 |
Noninterest income to average assets | 1.1588% | 1,148 |
Noninterest expense to average assets | 3.4637% | 2,477 |
Loan and lease loss provision to assets | 0.2375% | 5,475 |
Net operating income to assets | 1.0296% | 1,742 |
Return on assets (ROA) | 1.0296% | 1,789 |
Pretax return on assets | 1.0296% | 2,494 |
Return on Equity (ROE) | 10.5836% | 1,524 |
Retained earnings to average equity (ytd only) | 2.6653% | 3,285 |
Net charge-offs to loans | 0.0264% | 6,879 |
Credit loss provision to net charge-offs | 1,886.6667% | 168 |
Earnings coverage of net charge-offs (x) | 100.6667% | 274 |
Efficiency ratio | 73.2175% | 4,049 |
Assets per employee ($millions) | 2.2527% | 7,528 |
Cash dividends to net income (ytd only)* | 74.8166% | 1,360 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7903% | 2,581 |
Loan loss allowance to noncurrent loans | 425.5319% | 784 |
Noncurrent assets plus other real estate owned to assets | 0.2045% | 6,951 |
Noncurrent loans to loans | 0.4207% | 6,430 |
Net loans and leases to total assets | 47.7478% | 6,827 |
Net loans and leases to deposits | 53.2381% | 7,099 |
Net loans and leases to core deposits | 67.8197% | 6,887 |
Total domestic deposits to total assets | 89.6873% | 1,114 |
Equity capital to assets | 10.0603% | 3,680 |
Core capital (leverage) ratio | 9.6788% | 3,489 |
Tier 1 risk-based capital ratio | 18.9683% | 1,659 |
Total risk-based capital ratio | 20.2225% | 1,623 |
Memoranda: | ||
Average total assets | $119,177,200 | 4,601 |
Average earning assets | $110,049,400 | 4,563 |
Average equity | $11,593,400 | 4,844 |
Average total loans | $56,890,200 | 5,386 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3529% | 5,159 |
Cost of funding earning assets | 1.4833% | 5,893 |
Net interest margin | 3.8696% | 3,347 |
Noninterest income to average assets | 1.1675% | 1,154 |
Noninterest expense to average assets | 3.4749% | 2,340 |
Loan and lease loss provision to assets | 0.2495% | 4,958 |
Net operating income to assets | 1.0212% | 1,984 |
Return on assets (ROA) | 1.0212% | 2,056 |
Pretax return on assets | 1.0212% | 2,834 |
Return on Equity (ROE) | 10.5839% | 1,739 |
Retained earnings to average equity (ytd only) | 2.6776% | 3,830 |
Net charge-offs to loans | 0.0210% | 6,606 |
Credit loss provision to net charge-offs | 2,500.0000% | 161 |
Earnings coverage of net charge-offs (x) | 127.3300% | 295 |
Efficiency ratio | 73.2243% | 4,011 |
Assets per employee ($millions) | 2.3181% | 7,481 |
Cash dividends to net income (ytd only)* | 74.7013% | 1,115 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7018% | 2,622 |
Loan loss allowance to noncurrent loans | 412.1739% | 759 |
Noncurrent assets plus other real estate owned to assets | 0.1945% | 7,043 |
Noncurrent loans to loans | 0.4129% | 6,511 |
Net loans and leases to total assets | 46.3171% | 7,085 |
Net loans and leases to deposits | 51.5617% | 7,326 |
Net loans and leases to core deposits | 65.0637% | 7,202 |
Total domestic deposits to total assets | 89.8285% | 834 |
Equity capital to assets | 9.8027% | 4,349 |
Core capital (leverage) ratio | 9.2049% | 4,328 |
Tier 1 risk-based capital ratio | 18.7201% | 1,810 |
Total risk-based capital ratio | 19.9728% | 1,770 |
Memoranda: | ||
Average total assets | $120,249,750 | 4,589 |
Average earning assets | $111,189,000 | 4,549 |
Average equity | $11,602,250 | 4,897 |
Average total loans | $57,148,750 | 5,422 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3919% | 5,192 |
Cost of funding earning assets | 1.4941% | 6,165 |
Net interest margin | 3.8978% | 3,121 |
Noninterest income to average assets | 1.1544% | 1,172 |
Noninterest expense to average assets | 3.3343% | 2,839 |
Loan and lease loss provision to assets | 0.2481% | 4,595 |
Net operating income to assets | 1.1792% | 1,537 |
Return on assets (ROA) | 1.1792% | 1,620 |
Pretax return on assets | 1.1792% | 2,363 |
Return on Equity (ROE) | 12.2860% | 1,337 |
Retained earnings to average equity (ytd only) | 4.3768% | 2,865 |
Net charge-offs to loans | -0.0278% | 7,761 |
Credit loss provision to net charge-offs | -1,875.0000% | 7,169 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 70.0243% | 4,776 |
Assets per employee ($millions) | 2.3123% | 7,533 |
Cash dividends to net income (ytd only)* | 64.3759% | 1,537 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5739% | 2,850 |
Loan loss allowance to noncurrent loans | 328.4133% | 964 |
Noncurrent assets plus other real estate owned to assets | 0.2170% | 6,964 |
Noncurrent loans to loans | 0.4792% | 6,328 |
Net loans and leases to total assets | 44.5761% | 7,289 |
Net loans and leases to deposits | 49.3142% | 7,512 |
Net loans and leases to core deposits | 61.9121% | 7,384 |
Total domestic deposits to total assets | 90.3919% | 673 |
Equity capital to assets | 9.3302% | 4,826 |
Core capital (leverage) ratio | 9.2343% | 4,263 |
Tier 1 risk-based capital ratio | 18.1992% | 1,957 |
Total risk-based capital ratio | 19.4501% | 1,902 |
Memoranda: | ||
Average total assets | $120,925,670 | 4,608 |
Average earning assets | $111,908,000 | 4,577 |
Average equity | $11,606,670 | 4,919 |
Average total loans | $57,630,000 | 5,440 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.5948% | 4,391 |
Cost of funding earning assets | 1.5440% | 6,262 |
Net interest margin | 4.0508% | 2,451 |
Noninterest income to average assets | 1.1433% | 1,128 |
Noninterest expense to average assets | 3.4029% | 2,348 |
Loan and lease loss provision to assets | 0.2522% | 3,954 |
Net operating income to assets | 1.2374% | 1,538 |
Return on assets (ROA) | 1.2374% | 1,646 |
Pretax return on assets | 1.2374% | 2,490 |
Return on Equity (ROE) | 12.7061% | 1,466 |
Retained earnings to average equity (ytd only) | 4.7993% | 3,238 |
Net charge-offs to loans | 0.0619% | 4,590 |
Credit loss provision to net charge-offs | 833.3333% | 724 |
Earnings coverage of net charge-offs (x) | 49.2222% | 732 |
Efficiency ratio | 69.5533% | 4,669 |
Assets per employee ($millions) | 2.3036% | 7,578 |
Cash dividends to net income (ytd only)* | 62.2283% | 1,435 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3893% | 3,563 |
Loan loss allowance to noncurrent loans | 263.3663% | 1,278 |
Noncurrent assets plus other real estate owned to assets | 0.3047% | 6,608 |
Noncurrent loans to loans | 0.5275% | 6,100 |
Net loans and leases to total assets | 46.3900% | 7,165 |
Net loans and leases to deposits | 51.3630% | 7,440 |
Net loans and leases to core deposits | 63.3915% | 7,336 |
Total domestic deposits to total assets | 90.3180% | 667 |
Equity capital to assets | 9.4502% | 4,744 |
Core capital (leverage) ratio | 9.4433% | 4,052 |
Tier 1 risk-based capital ratio | 17.9377% | 2,071 |
Total risk-based capital ratio | 19.1866% | 2,016 |
Memoranda: | ||
Average total assets | $118,957,000 | 4,680 |
Average earning assets | $110,102,500 | 4,637 |
Average equity | $11,585,000 | 4,960 |
Average total loans | $58,170,500 | 5,442 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.3887% | 3,476 |
Cost of funding earning assets | 2.1125% | 5,989 |
Net interest margin | 4.2762% | 2,057 |
Noninterest income to average assets | 1.2491% | 948 |
Noninterest expense to average assets | 3.4703% | 2,474 |
Loan and lease loss provision to assets | 0.0516% | 6,769 |
Net operating income to assets | 1.6801% | 705 |
Return on assets (ROA) | 1.6801% | 678 |
Pretax return on assets | 1.6801% | 1,189 |
Return on Equity (ROE) | 17.6464% | 566 |
Retained earnings to average equity (ytd only) | 6.2436% | 1,407 |
Net charge-offs to loans | 0.0940% | 5,390 |
Credit loss provision to net charge-offs | 107.1429% | 5,010 |
Earnings coverage of net charge-offs (x) | 35.9464% | 1,021 |
Efficiency ratio | 66.7108% | 4,966 |
Assets per employee ($millions) | 2.1448% | 7,776 |
Cash dividends to net income (ytd only)* | 64.6185% | 2,439 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2427% | 4,215 |
Loan loss allowance to noncurrent loans | 257.7465% | 1,546 |
Noncurrent assets plus other real estate owned to assets | 0.3238% | 6,312 |
Noncurrent loans to loans | 0.4821% | 5,898 |
Net loans and leases to total assets | 50.2258% | 7,012 |
Net loans and leases to deposits | 56.0041% | 7,320 |
Net loans and leases to core deposits | 69.2746% | 7,232 |
Total domestic deposits to total assets | 89.6824% | 773 |
Equity capital to assets | 10.0431% | 3,985 |
Core capital (leverage) ratio | 9.5625% | 3,925 |
Tier 1 risk-based capital ratio | 17.6195% | 2,143 |
Total risk-based capital ratio | 18.7852% | 2,106 |
Memoranda: | ||
Average total assets | $116,245,000 | 4,603 |
Average earning assets | $107,454,800 | 4,580 |
Average equity | $11,067,400 | 5,102 |
Average total loans | $59,577,600 | 5,284 |