Home > First Nebraska Bank of Wayne > Performance and Condition Ratios
First Nebraska Bank of Wayne, 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 | 3.6349% | 4,982 |
Cost of funding earning assets | 0.2709% | 5,087 |
Net interest margin | 3.3640% | 4,357 |
Noninterest income to average assets | 0.6970% | 2,317 |
Noninterest expense to average assets | 2.8488% | 3,308 |
Loan and lease loss provision to assets | -0.0702% | 6,089 |
Net operating income to assets | 0.4832% | 4,876 |
Return on assets (ROA) | 0.3485% | 5,448 |
Pretax return on assets | 0.3625% | 5,580 |
Return on Equity (ROE) | 4.2162% | 5,016 |
Retained earnings to average equity (ytd only) | 4.2162% | 3,193 |
Net charge-offs to loans | -0.1130% | 6,143 |
Credit loss provision to net charge-offs | 130.4348% | 1,826 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 86.8140% | 1,097 |
Assets per employee ($millions) | 4.6889% | 2,744 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0288% | 4,907 |
Loan loss allowance to noncurrent loans | 70.2614% | 4,507 |
Noncurrent assets plus other real estate owned to assets | 0.7251% | 3,398 |
Noncurrent loans to loans | 1.4643% | 2,007 |
Net loans and leases to total assets | 49.0118% | 5,064 |
Net loans and leases to deposits | 53.8971% | 5,339 |
Net loans and leases to core deposits | 53.8971% | 5,506 |
Total domestic deposits to total assets | 90.9360% | 393 |
Equity capital to assets | 9.0095% | 5,276 |
Core capital (leverage) ratio | 9.4897% | 4,256 |
Tier 1 risk-based capital ratio | 15.1857% | 3,386 |
Total risk-based capital ratio | 15.9949% | 3,563 |
Memoranda: | ||
Average total assets | $42,755,200 | 5,958 |
Average earning assets | $32,847,800 | 6,121 |
Average equity | $3,534,000 | 6,174 |
Average total loans | $20,359,800 | 5,946 |
2014-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6091% | 5,118 |
Cost of funding earning assets | 0.2711% | 5,188 |
Net interest margin | 3.3380% | 4,476 |
Noninterest income to average assets | 0.6932% | 2,360 |
Noninterest expense to average assets | 2.8597% | 3,261 |
Loan and lease loss provision to assets | 0.0000% | 4,401 |
Net operating income to assets | 0.3979% | 5,254 |
Return on assets (ROA) | 0.2114% | 5,880 |
Pretax return on assets | 0.2114% | 5,933 |
Return on Equity (ROE) | 2.6149% | 5,675 |
Retained earnings to average equity (ytd only) | 2.6149% | 4,726 |
Net charge-offs to loans | -0.1516% | 6,245 |
Credit loss provision to net charge-offs | 0.0000% | 3,801 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 87.7863% | 1,021 |
Assets per employee ($millions) | 4.9676% | 2,279 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1737% | 4,364 |
Loan loss allowance to noncurrent loans | 80.0654% | 4,187 |
Noncurrent assets plus other real estate owned to assets | 0.6844% | 3,777 |
Noncurrent loans to loans | 1.4659% | 2,217 |
Net loans and leases to total assets | 46.1416% | 5,363 |
Net loans and leases to deposits | 50.6022% | 5,610 |
Net loans and leases to core deposits | 50.6022% | 5,759 |
Total domestic deposits to total assets | 91.1850% | 307 |
Equity capital to assets | 8.1194% | 6,065 |
Core capital (leverage) ratio | 8.9865% | 5,091 |
Tier 1 risk-based capital ratio | 15.1174% | 3,523 |
Total risk-based capital ratio | 16.0546% | 3,637 |
Memoranda: | ||
Average total assets | $42,894,000 | 6,024 |
Average earning assets | $32,952,500 | 6,191 |
Average equity | $3,467,000 | 6,256 |
Average total loans | $20,225,250 | 6,020 |
2014-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5546% | 5,276 |
Cost of funding earning assets | 0.2697% | 5,288 |
Net interest margin | 3.2850% | 4,648 |
Noninterest income to average assets | 0.6526% | 2,524 |
Noninterest expense to average assets | 2.8660% | 3,284 |
Loan and lease loss provision to assets | 0.0000% | 4,196 |
Net operating income to assets | 0.2412% | 5,734 |
Return on assets (ROA) | 0.0284% | 6,186 |
Pretax return on assets | 0.0378% | 6,163 |
Return on Equity (ROE) | 0.3516% | 6,172 |
Retained earnings to average equity (ytd only) | 0.3516% | 5,592 |
Net charge-offs to loans | 0.2499% | 1,557 |
Credit loss provision to net charge-offs | 0.0000% | 3,401 |
Earnings coverage of net charge-offs (x) | 2.7200% | 3,481 |
Efficiency ratio | 89.9110% | 925 |
Assets per employee ($millions) | 4.8761% | 2,370 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9306% | 5,629 |
Loan loss allowance to noncurrent loans | 63.3441% | 4,705 |
Noncurrent assets plus other real estate owned to assets | 0.7087% | 3,853 |
Noncurrent loans to loans | 1.4691% | 2,357 |
Net loans and leases to total assets | 47.7885% | 5,190 |
Net loans and leases to deposits | 52.3973% | 5,474 |
Net loans and leases to core deposits | 52.3973% | 5,648 |
Total domestic deposits to total assets | 91.2043% | 340 |
Equity capital to assets | 8.0848% | 6,105 |
Core capital (leverage) ratio | 8.9279% | 5,120 |
Tier 1 risk-based capital ratio | 14.9124% | 3,683 |
Total risk-based capital ratio | 15.6678% | 3,920 |
Memoranda: | ||
Average total assets | $42,289,330 | 6,100 |
Average earning assets | $32,633,330 | 6,258 |
Average equity | $3,412,670 | 6,312 |
Average total loans | $20,009,000 | 6,076 |
2014-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5979% | 5,174 |
Cost of funding earning assets | 0.2516% | 5,563 |
Net interest margin | 3.3463% | 4,346 |
Noninterest income to average assets | 0.5977% | 2,749 |
Noninterest expense to average assets | 2.7958% | 3,585 |
Loan and lease loss provision to assets | 0.0000% | 3,817 |
Net operating income to assets | 0.3567% | 5,289 |
Return on assets (ROA) | -0.2217% | 6,372 |
Pretax return on assets | -0.2121% | 6,354 |
Return on Equity (ROE) | -2.7504% | 6,395 |
Retained earnings to average equity (ytd only) | -2.7504% | 5,939 |
Net charge-offs to loans | 0.6794% | 539 |
Credit loss provision to net charge-offs | 0.0000% | 2,688 |
Earnings coverage of net charge-offs (x) | 1.1515% | 3,164 |
Efficiency ratio | 88.4146% | 1,188 |
Assets per employee ($millions) | 4.7160% | 2,646 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9777% | 5,606 |
Loan loss allowance to noncurrent loans | 61.7647% | 4,780 |
Noncurrent assets plus other real estate owned to assets | 0.7209% | 3,962 |
Noncurrent loans to loans | 1.5829% | 2,444 |
Net loans and leases to total assets | 45.1018% | 5,419 |
Net loans and leases to deposits | 49.4434% | 5,636 |
Net loans and leases to core deposits | 49.4434% | 5,797 |
Total domestic deposits to total assets | 91.2190% | 478 |
Equity capital to assets | 8.0412% | 6,028 |
Core capital (leverage) ratio | 9.3037% | 4,572 |
Tier 1 risk-based capital ratio | 15.4809% | 3,444 |
Total risk-based capital ratio | 16.2389% | 3,664 |
Memoranda: | ||
Average total assets | $41,491,500 | 6,179 |
Average earning assets | $31,796,500 | 6,344 |
Average equity | $3,345,000 | 6,379 |
Average total loans | $19,429,000 | 6,159 |
2013-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4091% | 5,821 |
Cost of funding earning assets | 0.2725% | 5,809 |
Net interest margin | 3.1366% | 5,208 |
Noninterest income to average assets | 0.7758% | 2,182 |
Noninterest expense to average assets | 2.9827% | 3,102 |
Loan and lease loss provision to assets | -0.3686% | 6,708 |
Net operating income to assets | 0.7445% | 3,583 |
Return on assets (ROA) | 0.2795% | 5,682 |
Pretax return on assets | 0.2891% | 5,764 |
Return on Equity (ROE) | 3.3547% | 5,378 |
Retained earnings to average equity (ytd only) | 3.3547% | 3,839 |
Net charge-offs to loans | -0.0931% | 6,463 |
Credit loss provision to net charge-offs | 956.2500% | 270 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 88.1766% | 1,194 |
Assets per employee ($millions) | 4.5043% | 2,892 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1369% | 4,962 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
Noncurrent loans to loans | 0.0000% | 6,319 |
Net loans and leases to total assets | 47.6183% | 5,335 |
Net loans and leases to deposits | 52.2266% | 5,603 |
Net loans and leases to core deposits | 52.2266% | 5,780 |
Total domestic deposits to total assets | 91.1764% | 507 |
Equity capital to assets | 8.0836% | 5,956 |
Core capital (leverage) ratio | 9.5729% | 4,148 |
Tier 1 risk-based capital ratio | 15.6178% | 3,297 |
Total risk-based capital ratio | 16.5105% | 3,457 |
Memoranda: | ||
Average total assets | $41,506,000 | 6,240 |
Average earning assets | $34,496,200 | 6,337 |
Average equity | $3,457,800 | 6,441 |
Average total loans | $17,182,800 | 6,314 |
2013-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.2573% | 6,121 |
Cost of funding earning assets | 0.2689% | 5,968 |
Net interest margin | 2.9884% | 5,623 |
Noninterest income to average assets | 0.7856% | 2,225 |
Noninterest expense to average assets | 2.9670% | 3,089 |
Loan and lease loss provision to assets | -0.3194% | 6,778 |
Net operating income to assets | 0.6579% | 4,080 |
Return on assets (ROA) | 0.4184% | 5,316 |
Pretax return on assets | 0.4184% | 5,577 |
Return on Equity (ROE) | 4.9860% | 4,732 |
Retained earnings to average equity (ytd only) | 4.9860% | 3,098 |
Net charge-offs to loans | -0.0803% | 6,445 |
Credit loss provision to net charge-offs | 1,000.0000% | 305 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 89.7585% | 1,017 |
Assets per employee ($millions) | 4.4691% | 2,930 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4343% | 3,755 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
Noncurrent loans to loans | 0.0000% | 6,405 |
Net loans and leases to total assets | 45.7884% | 5,567 |
Net loans and leases to deposits | 52.2513% | 5,692 |
Net loans and leases to core deposits | 52.2513% | 5,877 |
Total domestic deposits to total assets | 87.6311% | 2,342 |
Equity capital to assets | 8.0652% | 6,106 |
Core capital (leverage) ratio | 9.2591% | 4,736 |
Tier 1 risk-based capital ratio | 16.2107% | 3,079 |
Total risk-based capital ratio | 17.3250% | 3,113 |
Memoranda: | ||
Average total assets | $41,747,750 | 6,304 |
Average earning assets | $35,202,250 | 6,383 |
Average equity | $3,503,000 | 6,507 |
Average total loans | $16,597,000 | 6,409 |
2013-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.1802% | 6,253 |
Cost of funding earning assets | 0.2595% | 6,106 |
Net interest margin | 2.9207% | 5,749 |
Noninterest income to average assets | 0.7573% | 2,381 |
Noninterest expense to average assets | 2.9203% | 3,270 |
Loan and lease loss provision to assets | 0.0000% | 4,788 |
Net operating income to assets | 0.3408% | 5,441 |
Return on assets (ROA) | 0.3171% | 5,689 |
Pretax return on assets | 0.3171% | 5,828 |
Return on Equity (ROE) | 3.7333% | 5,324 |
Retained earnings to average equity (ytd only) | 3.7333% | 3,930 |
Net charge-offs to loans | -0.0377% | 6,156 |
Credit loss provision to net charge-offs | 0.0000% | 4,003 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 89.5501% | 1,084 |
Assets per employee ($millions) | 4.6401% | 2,593 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1114% | 1,608 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
Noncurrent loans to loans | 0.0000% | 6,469 |
Net loans and leases to total assets | 40.0781% | 6,036 |
Net loans and leases to deposits | 45.2902% | 6,152 |
Net loans and leases to core deposits | 45.2902% | 6,265 |
Total domestic deposits to total assets | 88.4917% | 1,920 |
Equity capital to assets | 7.8877% | 6,277 |
Core capital (leverage) ratio | 9.0842% | 4,850 |
Tier 1 risk-based capital ratio | 16.6601% | 2,858 |
Total risk-based capital ratio | 17.8424% | 2,854 |
Memoranda: | ||
Average total assets | $42,256,330 | 6,337 |
Average earning assets | $36,224,330 | 6,394 |
Average equity | $3,589,330 | 6,542 |
Average total loans | $15,901,000 | 6,480 |
2013-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.0188% | 6,496 |
Cost of funding earning assets | 0.2705% | 6,155 |
Net interest margin | 2.7483% | 6,131 |
Noninterest income to average assets | 0.8658% | 1,881 |
Noninterest expense to average assets | 2.8797% | 3,421 |
Loan and lease loss provision to assets | 0.0000% | 4,409 |
Net operating income to assets | 0.3764% | 5,226 |
Return on assets (ROA) | 0.3576% | 5,457 |
Pretax return on assets | 0.3576% | 5,693 |
Return on Equity (ROE) | 4.0674% | 5,058 |
Retained earnings to average equity (ytd only) | 4.0674% | 3,782 |
Net charge-offs to loans | -0.1830% | 6,658 |
Credit loss provision to net charge-offs | 0.0000% | 3,239 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 88.4393% | 1,280 |
Assets per employee ($millions) | 4.7390% | 2,583 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.3689% | 1,299 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
Noncurrent loans to loans | 0.0000% | 6,535 |
Net loans and leases to total assets | 35.2700% | 6,349 |
Net loans and leases to deposits | 38.9745% | 6,465 |
Net loans and leases to core deposits | 38.9745% | 6,523 |
Total domestic deposits to total assets | 90.4949% | 771 |
Equity capital to assets | 8.7595% | 5,748 |
Core capital (leverage) ratio | 8.9968% | 4,897 |
Tier 1 risk-based capital ratio | 17.9634% | 2,383 |
Total risk-based capital ratio | 19.1578% | 2,369 |
Memoranda: | ||
Average total assets | $42,504,000 | 6,388 |
Average earning assets | $36,968,000 | 6,432 |
Average equity | $3,737,000 | 6,581 |
Average total loans | $15,302,500 | 6,566 |
2012-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6403% | 6,148 |
Cost of funding earning assets | 0.3415% | 6,267 |
Net interest margin | 3.2988% | 5,251 |
Noninterest income to average assets | 0.7872% | 2,318 |
Noninterest expense to average assets | 3.4017% | 2,044 |
Loan and lease loss provision to assets | 0.0000% | 5,905 |
Net operating income to assets | 0.1261% | 5,955 |
Return on assets (ROA) | 0.2737% | 5,773 |
Pretax return on assets | 0.2841% | 5,846 |
Return on Equity (ROE) | 2.8006% | 5,631 |
Retained earnings to average equity (ytd only) | 2.8006% | 4,272 |
Net charge-offs to loans | 0.8812% | 1,296 |
Credit loss provision to net charge-offs | 0.0000% | 5,483 |
Earnings coverage of net charge-offs (x) | 0.3623% | 5,298 |
Efficiency ratio | 96.3100% | 697 |
Assets per employee ($millions) | 4.7063% | 2,639 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.3557% | 1,299 |
Loan loss allowance to noncurrent loans | 165.7407% | 2,181 |
Noncurrent assets plus other real estate owned to assets | 0.5100% | 5,198 |
Noncurrent loans to loans | 1.4213% | 3,467 |
Net loans and leases to total assets | 35.0332% | 6,490 |
Net loans and leases to deposits | 38.7189% | 6,610 |
Net loans and leases to core deposits | 38.7189% | 6,651 |
Total domestic deposits to total assets | 90.4809% | 712 |
Equity capital to assets | 8.8250% | 5,721 |
Core capital (leverage) ratio | 9.3152% | 4,389 |
Tier 1 risk-based capital ratio | 18.4652% | 2,114 |
Total risk-based capital ratio | 19.7197% | 2,079 |
Memoranda: | ||
Average total assets | $38,363,400 | 6,547 |
Average earning assets | $31,920,400 | 6,608 |
Average equity | $3,749,200 | 6,622 |
Average total loans | $15,661,200 | 6,620 |
2012-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8591% | 5,891 |
Cost of funding earning assets | 0.3619% | 6,320 |
Net interest margin | 3.4972% | 4,659 |
Noninterest income to average assets | 0.7850% | 2,304 |
Noninterest expense to average assets | 3.4149% | 1,968 |
Loan and lease loss provision to assets | 0.0000% | 5,790 |
Net operating income to assets | 0.2319% | 5,835 |
Return on assets (ROA) | 0.3889% | 5,509 |
Pretax return on assets | 0.3889% | 5,743 |
Return on Equity (ROE) | 3.8734% | 5,339 |
Retained earnings to average equity (ytd only) | 3.8734% | 4,162 |
Net charge-offs to loans | 1.1916% | 825 |
Credit loss provision to net charge-offs | 0.0000% | 5,158 |
Earnings coverage of net charge-offs (x) | 0.4610% | 5,088 |
Efficiency ratio | 93.6399% | 799 |
Assets per employee ($millions) | 4.8878% | 2,336 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.3210% | 1,479 |
Loan loss allowance to noncurrent loans | 159.9099% | 2,155 |
Noncurrent assets plus other real estate owned to assets | 1.6905% | 3,051 |
Noncurrent loans to loans | 1.4515% | 3,628 |
Net loans and leases to total assets | 38.2078% | 6,409 |
Net loans and leases to deposits | 42.7394% | 6,563 |
Net loans and leases to core deposits | 42.7394% | 6,644 |
Total domestic deposits to total assets | 89.3970% | 1,193 |
Equity capital to assets | 9.8154% | 4,760 |
Core capital (leverage) ratio | 9.8349% | 3,773 |
Tier 1 risk-based capital ratio | 16.8063% | 2,833 |
Total risk-based capital ratio | 18.0631% | 2,781 |
Memoranda: | ||
Average total assets | $37,365,000 | 6,657 |
Average earning assets | $30,576,500 | 6,735 |
Average equity | $3,752,000 | 6,705 |
Average total loans | $15,777,250 | 6,695 |
2012-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9941% | 5,655 |
Cost of funding earning assets | 0.3661% | 6,440 |
Net interest margin | 3.6279% | 4,151 |
Noninterest income to average assets | 0.7829% | 2,276 |
Noninterest expense to average assets | 3.5448% | 1,686 |
Loan and lease loss provision to assets | 0.0000% | 5,619 |
Net operating income to assets | 0.2012% | 5,914 |
Return on assets (ROA) | 0.3153% | 5,770 |
Pretax return on assets | 0.3153% | 5,933 |
Return on Equity (ROE) | 3.1155% | 5,647 |
Retained earnings to average equity (ytd only) | 3.1155% | 4,558 |
Net charge-offs to loans | 0.3137% | 2,775 |
Credit loss provision to net charge-offs | 0.0000% | 4,809 |
Earnings coverage of net charge-offs (x) | 1.4800% | 4,255 |
Efficiency ratio | 94.6299% | 776 |
Assets per employee ($millions) | 4.1872% | 3,477 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.1275% | 693 |
Loan loss allowance to noncurrent loans | 57.0388% | 4,783 |
Noncurrent assets plus other real estate owned to assets | 3.6725% | 1,429 |
Noncurrent loans to loans | 5.4831% | 849 |
Net loans and leases to total assets | 38.6308% | 6,430 |
Net loans and leases to deposits | 43.6142% | 6,574 |
Net loans and leases to core deposits | 43.6142% | 6,677 |
Total domestic deposits to total assets | 88.5737% | 1,774 |
Equity capital to assets | 10.1473% | 4,126 |
Core capital (leverage) ratio | 9.7674% | 3,759 |
Tier 1 risk-based capital ratio | 18.1393% | 2,250 |
Total risk-based capital ratio | 19.4071% | 2,213 |
Memoranda: | ||
Average total assets | $36,786,000 | 6,714 |
Average earning assets | $30,044,670 | 6,793 |
Average equity | $3,723,330 | 6,749 |
Average total loans | $15,938,000 | 6,736 |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0221% | 5,695 |
Cost of funding earning assets | 0.3620% | 6,590 |
Net interest margin | 3.6601% | 4,005 |
Noninterest income to average assets | 0.7376% | 2,459 |
Noninterest expense to average assets | 3.5226% | 1,711 |
Loan and lease loss provision to assets | 0.0000% | 5,254 |
Net operating income to assets | 0.2202% | 5,922 |
Return on assets (ROA) | 0.2202% | 6,064 |
Pretax return on assets | 0.2202% | 6,157 |
Return on Equity (ROE) | 2.1781% | 6,013 |
Retained earnings to average equity (ytd only) | 2.1781% | 5,175 |
Net charge-offs to loans | 0.5612% | 1,682 |
Credit loss provision to net charge-offs | 0.0000% | 3,998 |
Earnings coverage of net charge-offs (x) | 0.8696% | 3,894 |
Efficiency ratio | 94.1176% | 814 |
Assets per employee ($millions) | 4.1639% | 3,655 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.9923% | 837 |
Loan loss allowance to noncurrent loans | 31.7418% | 6,081 |
Noncurrent assets plus other real estate owned to assets | 3.9680% | 1,396 |
Noncurrent loans to loans | 9.4269% | 337 |
Net loans and leases to total assets | 40.8326% | 6,278 |
Net loans and leases to deposits | 45.7008% | 6,451 |
Net loans and leases to core deposits | 45.7008% | 6,586 |
Total domestic deposits to total assets | 89.3476% | 1,455 |
Equity capital to assets | 9.7905% | 4,394 |
Core capital (leverage) ratio | 9.9575% | 3,417 |
Tier 1 risk-based capital ratio | 18.3111% | 2,200 |
Total risk-based capital ratio | 19.6091% | 2,153 |
Memoranda: | ||
Average total assets | $36,336,500 | 6,788 |
Average earning assets | $29,835,000 | 6,856 |
Average equity | $3,673,000 | 6,808 |
Average total loans | $16,393,000 | 6,774 |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7402% | 6,795 |
Cost of funding earning assets | 0.4293% | 6,800 |
Net interest margin | 3.3108% | 5,776 |
Noninterest income to average assets | 0.4754% | 4,027 |
Noninterest expense to average assets | 3.7119% | 1,517 |
Loan and lease loss provision to assets | -0.7483% | 7,342 |
Net operating income to assets | 0.0235% | 5,997 |
Return on assets (ROA) | 0.0117% | 6,136 |
Pretax return on assets | 0.0117% | 6,105 |
Return on Equity (ROE) | 0.1239% | 6,133 |
Retained earnings to average equity (ytd only) | 0.1239% | 5,778 |
Net charge-offs to loans | 1.1829% | 1,424 |
Credit loss provision to net charge-offs | -135.6383% | 6,720 |
Earnings coverage of net charge-offs (x) | -1.3138% | 6,233 |
Efficiency ratio | 124.2633% | 273 |
Assets per employee ($millions) | 3.9109% | 4,049 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.9156% | 879 |
Loan loss allowance to noncurrent loans | 32.8694% | 6,019 |
Noncurrent assets plus other real estate owned to assets | 4.2872% | 1,303 |
Noncurrent loans to loans | 8.8702% | 406 |
Net loans and leases to total assets | 46.9231% | 5,924 |
Net loans and leases to deposits | 52.9257% | 6,144 |
Net loans and leases to core deposits | 52.9257% | 6,374 |
Total domestic deposits to total assets | 88.6584% | 1,746 |
Equity capital to assets | 10.4466% | 3,587 |
Core capital (leverage) ratio | 10.3654% | 2,887 |
Tier 1 risk-based capital ratio | 17.0057% | 2,603 |
Total risk-based capital ratio | 18.2688% | 2,549 |
Memoranda: | ||
Average total assets | $34,079,200 | 6,857 |
Average earning assets | $25,854,400 | 6,991 |
Average equity | $3,227,400 | 6,954 |
Average total loans | $15,893,200 | 6,857 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6346% | 6,990 |
Cost of funding earning assets | 0.4436% | 6,899 |
Net interest margin | 3.1910% | 6,180 |
Noninterest income to average assets | 0.1973% | 6,185 |
Noninterest expense to average assets | 3.7988% | 1,307 |
Loan and lease loss provision to assets | -1.0848% | 7,429 |
Net operating income to assets | -0.1617% | 6,344 |
Return on assets (ROA) | -0.1736% | 6,435 |
Pretax return on assets | -0.1736% | 6,389 |
Return on Equity (ROE) | -1.8835% | 6,471 |
Retained earnings to average equity (ytd only) | -1.8835% | 6,283 |
Net charge-offs to loans | 0.8027% | 1,957 |
Credit loss provision to net charge-offs | -292.5532% | 6,614 |
Earnings coverage of net charge-offs (x) | -3.3617% | 6,071 |
Efficiency ratio | 148.8408% | 143 |
Assets per employee ($millions) | 3.9693% | 3,922 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.6042% | 518 |
Loan loss allowance to noncurrent loans | 45.5272% | 5,289 |
Noncurrent assets plus other real estate owned to assets | 4.2996% | 1,411 |
Noncurrent loans to loans | 7.9165% | 557 |
Net loans and leases to total assets | 42.6744% | 6,449 |
Net loans and leases to deposits | 48.1158% | 6,618 |
Net loans and leases to core deposits | 48.1158% | 6,753 |
Total domestic deposits to total assets | 88.6911% | 1,629 |
Equity capital to assets | 10.2956% | 3,961 |
Core capital (leverage) ratio | 10.3462% | 3,041 |
Tier 1 risk-based capital ratio | 18.2853% | 2,156 |
Total risk-based capital ratio | 19.5455% | 2,117 |
Memoranda: | ||
Average total assets | $33,799,500 | 6,928 |
Average earning assets | $24,944,750 | 7,086 |
Average equity | $3,115,000 | 7,046 |
Average total loans | $15,613,500 | 6,938 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7418% | 6,979 |
Cost of funding earning assets | 0.4646% | 6,971 |
Net interest margin | 3.2772% | 5,921 |
Noninterest income to average assets | 0.2895% | 5,562 |
Noninterest expense to average assets | 4.0473% | 978 |
Loan and lease loss provision to assets | 0.0000% | 6,217 |
Net operating income to assets | -1.4175% | 7,072 |
Return on assets (ROA) | -1.4175% | 7,083 |
Pretax return on assets | -1.4175% | 7,036 |
Return on Equity (ROE) | -16.0556% | 7,087 |
Retained earnings to average equity (ytd only) | -16.0556% | 7,063 |
Net charge-offs to loans | 0.4503% | 2,774 |
Credit loss provision to net charge-offs | 0.0000% | 5,336 |
Earnings coverage of net charge-offs (x) | -6.7143% | 5,809 |
Efficiency ratio | 153.8991% | 139 |
Assets per employee ($millions) | 3.3361% | 5,355 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
Condition Ratios (%) | ||
Loss allowance to loans | 6.3385% | 84 |
Loan loss allowance to noncurrent loans | 47.3298% | 5,176 |
Noncurrent assets plus other real estate owned to assets | 6.6245% | 798 |
Noncurrent loans to loans | 13.3922% | 189 |
Net loans and leases to total assets | 40.0408% | 6,741 |
Net loans and leases to deposits | 45.3675% | 6,857 |
Net loans and leases to core deposits | 45.3675% | 6,965 |
Total domestic deposits to total assets | 88.2587% | 1,989 |
Equity capital to assets | 10.3474% | 3,692 |
Core capital (leverage) ratio | 9.7535% | 3,588 |
Tier 1 risk-based capital ratio | 18.8377% | 1,896 |
Total risk-based capital ratio | 20.1365% | 1,845 |
Memoranda: | ||
Average total assets | $33,158,000 | 7,010 |
Average earning assets | $23,678,670 | 7,196 |
Average equity | $2,927,330 | 7,145 |
Average total loans | $15,546,330 | 7,011 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7780% | 6,976 |
Cost of funding earning assets | 0.4534% | 7,107 |
Net interest margin | 3.3247% | 5,695 |
Noninterest income to average assets | -0.2783% | 7,451 |
Noninterest expense to average assets | 4.1384% | 879 |
Loan and lease loss provision to assets | 2.9041% | 163 |
Net operating income to assets | -4.9249% | 7,488 |
Return on assets (ROA) | -4.9249% | 7,488 |
Pretax return on assets | -4.9249% | 7,479 |
Return on Equity (ROE) | -61.0882% | 7,440 |
Retained earnings to average equity (ytd only) | -61.0882% | 7,430 |
Net charge-offs to loans | -0.0741% | 7,002 |
Credit loss provision to net charge-offs | -8,000.0000% | 6,419 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 195.4286% | 73 |
Assets per employee ($millions) | 3.3366% | 5,399 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
Condition Ratios (%) | ||
Loss allowance to loans | 7.7927% | 44 |
Loan loss allowance to noncurrent loans | 45.0114% | 5,304 |
Noncurrent assets plus other real estate owned to assets | 10.5137% | 373 |
Noncurrent loans to loans | 17.3128% | 104 |
Net loans and leases to total assets | 41.9169% | 6,625 |
Net loans and leases to deposits | 47.1115% | 6,790 |
Net loans and leases to core deposits | 47.1115% | 6,916 |
Total domestic deposits to total assets | 88.9738% | 1,792 |
Equity capital to assets | 9.6386% | 4,270 |
Core capital (leverage) ratio | 9.9632% | 3,187 |
Tier 1 risk-based capital ratio | 16.2289% | 2,795 |
Total risk-based capital ratio | 17.5522% | 2,722 |
Memoranda: | ||
Average total assets | $33,056,500 | 7,071 |
Average earning assets | $23,822,000 | 7,234 |
Average equity | $2,665,000 | 7,250 |
Average total loans | $16,188,500 | 7,024 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9414% | 4,828 |
Cost of funding earning assets | 0.5518% | 7,227 |
Net interest margin | 4.3896% | 1,512 |
Noninterest income to average assets | -0.3905% | 7,540 |
Noninterest expense to average assets | 4.0267% | 1,126 |
Loan and lease loss provision to assets | 4.3436% | 131 |
Net operating income to assets | -5.2718% | 7,550 |
Return on assets (ROA) | -5.0822% | 7,546 |
Pretax return on assets | -5.0822% | 7,544 |
Return on Equity (ROE) | -54.1976% | 7,444 |
Retained earnings to average equity (ytd only) | -54.1976% | 7,442 |
Net charge-offs to loans | 5.7172% | 111 |
Credit loss provision to net charge-offs | 137.4217% | 2,774 |
Earnings coverage of net charge-offs (x) | -0.2936% | 6,355 |
Efficiency ratio | 129.9543% | 317 |
Assets per employee ($millions) | 3.2747% | 5,481 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
Condition Ratios (%) | ||
Loss allowance to loans | 5.4564% | 148 |
Loan loss allowance to noncurrent loans | 67.3601% | 4,033 |
Noncurrent assets plus other real estate owned to assets | 8.2053% | 595 |
Noncurrent loans to loans | 8.1004% | 633 |
Net loans and leases to total assets | 49.6839% | 6,194 |
Net loans and leases to deposits | 54.6597% | 6,556 |
Net loans and leases to core deposits | 54.6597% | 6,776 |
Total domestic deposits to total assets | 90.8969% | 651 |
Equity capital to assets | 6.4556% | 7,266 |
Core capital (leverage) ratio | 6.0205% | 7,301 |
Tier 1 risk-based capital ratio | 9.5234% | 7,132 |
Total risk-based capital ratio | 10.8076% | 7,132 |
Memoranda: | ||
Average total assets | $35,339,200 | 7,029 |
Average earning assets | $28,089,000 | 7,160 |
Average equity | $3,313,800 | 7,187 |
Average total loans | $19,537,400 | 6,952 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9405% | 5,077 |
Cost of funding earning assets | 0.5637% | 7,364 |
Net interest margin | 4.3768% | 1,594 |
Noninterest income to average assets | 0.2260% | 6,282 |
Noninterest expense to average assets | 3.8902% | 1,218 |
Loan and lease loss provision to assets | 1.9710% | 605 |
Net operating income to assets | -2.0970% | 7,260 |
Return on assets (ROA) | -2.0303% | 7,266 |
Pretax return on assets | -2.0303% | 7,209 |
Return on Equity (ROE) | -20.2186% | 7,225 |
Retained earnings to average equity (ytd only) | -20.2186% | 7,210 |
Net charge-offs to loans | 1.9152% | 999 |
Credit loss provision to net charge-offs | 184.0830% | 1,970 |
Earnings coverage of net charge-offs (x) | -0.1176% | 6,120 |
Efficiency ratio | 103.3465% | 648 |
Assets per employee ($millions) | 3.6322% | 4,656 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
Condition Ratios (%) | ||
Loss allowance to loans | 4.0010% | 369 |
Loan loss allowance to noncurrent loans | 40.5305% | 5,587 |
Noncurrent assets plus other real estate owned to assets | 8.8128% | 525 |
Noncurrent loans to loans | 9.8717% | 436 |
Net loans and leases to total assets | 50.4680% | 6,277 |
Net loans and leases to deposits | 56.6962% | 6,566 |
Net loans and leases to core deposits | 56.6962% | 6,819 |
Total domestic deposits to total assets | 89.0149% | 1,380 |
Equity capital to assets | 9.4984% | 4,846 |
Core capital (leverage) ratio | 9.0285% | 4,648 |
Tier 1 risk-based capital ratio | 13.7716% | 4,001 |
Total risk-based capital ratio | 15.0437% | 3,942 |
Memoranda: | ||
Average total assets | $35,987,250 | 7,097 |
Average earning assets | $29,092,250 | 7,208 |
Average equity | $3,613,750 | 7,196 |
Average total loans | $20,119,500 | 7,004 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0382% | 4,753 |
Cost of funding earning assets | 0.5871% | 7,431 |
Net interest margin | 4.4511% | 1,314 |
Noninterest income to average assets | 0.3679% | 5,196 |
Noninterest expense to average assets | 3.8633% | 1,241 |
Loan and lease loss provision to assets | 2.6982% | 397 |
Net operating income to assets | -2.5588% | 7,429 |
Return on assets (ROA) | -2.4362% | 7,413 |
Pretax return on assets | -2.4362% | 7,351 |
Return on Equity (ROE) | -23.8256% | 7,354 |
Retained earnings to average equity (ytd only) | -23.8256% | 7,339 |
Net charge-offs to loans | 1.8670% | 997 |
Credit loss provision to net charge-offs | 253.4031% | 1,508 |
Earnings coverage of net charge-offs (x) | 0.1309% | 5,591 |
Efficiency ratio | 96.5181% | 943 |
Assets per employee ($millions) | 3.5651% | 4,770 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
Condition Ratios (%) | ||
Loss allowance to loans | 4.0130% | 373 |
Loan loss allowance to noncurrent loans | 54.4846% | 4,680 |
Noncurrent assets plus other real estate owned to assets | 6.7908% | 796 |
Noncurrent loans to loans | 7.3654% | 735 |
Net loans and leases to total assets | 54.6128% | 5,898 |
Net loans and leases to deposits | 61.6315% | 6,267 |
Net loans and leases to core deposits | 61.6315% | 6,578 |
Total domestic deposits to total assets | 88.6118% | 1,671 |
Equity capital to assets | 10.0025% | 4,021 |
Core capital (leverage) ratio | 9.3240% | 4,073 |
Tier 1 risk-based capital ratio | 13.8413% | 3,840 |
Total risk-based capital ratio | 15.1152% | 3,791 |
Memoranda: | ||
Average total assets | $35,875,670 | 7,147 |
Average earning assets | $29,296,330 | 7,249 |
Average equity | $3,668,330 | 7,223 |
Average total loans | $20,461,000 | 7,043 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3088% | 3,505 |
Cost of funding earning assets | 0.6246% | 7,505 |
Net interest margin | 4.6842% | 804 |
Noninterest income to average assets | 0.6780% | 2,752 |
Noninterest expense to average assets | 4.0791% | 929 |
Loan and lease loss provision to assets | 0.5002% | 2,496 |
Net operating income to assets | -0.0667% | 6,393 |
Return on assets (ROA) | 0.1778% | 5,891 |
Pretax return on assets | 0.1778% | 5,952 |
Return on Equity (ROE) | 1.7207% | 5,876 |
Retained earnings to average equity (ytd only) | 1.7207% | 5,079 |
Net charge-offs to loans | 0.2725% | 3,321 |
Credit loss provision to net charge-offs | 321.4286% | 1,234 |
Earnings coverage of net charge-offs (x) | 2.7857% | 3,155 |
Efficiency ratio | 90.3941% | 1,398 |
Assets per employee ($millions) | 3.6004% | 4,816 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.7201% | 1,065 |
Loan loss allowance to noncurrent loans | 33.8443% | 6,135 |
Noncurrent assets plus other real estate owned to assets | 7.2659% | 723 |
Noncurrent loans to loans | 8.0373% | 668 |
Net loans and leases to total assets | 54.8300% | 5,914 |
Net loans and leases to deposits | 61.8685% | 6,286 |
Net loans and leases to core deposits | 62.4557% | 6,564 |
Total domestic deposits to total assets | 88.6235% | 1,722 |
Equity capital to assets | 10.2905% | 3,488 |
Core capital (leverage) ratio | 9.8965% | 3,290 |
Tier 1 risk-based capital ratio | 14.3905% | 3,444 |
Total risk-based capital ratio | 15.6531% | 3,400 |
Memoranda: | ||
Average total assets | $35,988,000 | 7,235 |
Average earning assets | $29,460,500 | 7,341 |
Average equity | $3,719,500 | 7,279 |
Average total loans | $20,549,500 | 7,124 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2926% | 5,212 |
Cost of funding earning assets | 1.0376% | 7,129 |
Net interest margin | 4.2550% | 1,872 |
Noninterest income to average assets | 0.8848% | 2,007 |
Noninterest expense to average assets | 3.7881% | 1,724 |
Loan and lease loss provision to assets | 2.1816% | 954 |
Net operating income to assets | -1.4793% | 6,843 |
Return on assets (ROA) | -1.3770% | 6,807 |
Pretax return on assets | -1.3770% | 6,637 |
Return on Equity (ROE) | -13.2313% | 6,845 |
Retained earnings to average equity (ytd only) | -13.2313% | 6,772 |
Net charge-offs to loans | 3.2354% | 628 |
Credit loss provision to net charge-offs | 105.4813% | 5,248 |
Earnings coverage of net charge-offs (x) | 0.3396% | 5,776 |
Efficiency ratio | 84.3596% | 2,308 |
Assets per employee ($millions) | 3.5972% | 4,788 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.5041% | 1,220 |
Loan loss allowance to noncurrent loans | 36.3319% | 6,011 |
Noncurrent assets plus other real estate owned to assets | 6.6746% | 796 |
Noncurrent loans to loans | 6.8922% | 825 |
Net loans and leases to total assets | 56.3911% | 5,898 |
Net loans and leases to deposits | 63.7933% | 6,296 |
Net loans and leases to core deposits | 70.3144% | 6,750 |
Total domestic deposits to total assets | 88.3965% | 1,773 |
Equity capital to assets | 10.3803% | 3,313 |
Core capital (leverage) ratio | 9.8570% | 3,261 |
Tier 1 risk-based capital ratio | 14.1223% | 3,428 |
Total risk-based capital ratio | 15.3784% | 3,379 |
Memoranda: | ||
Average total assets | $36,165,800 | 7,238 |
Average earning assets | $30,646,600 | 7,330 |
Average equity | $3,763,800 | 7,364 |
Average total loans | $23,119,600 | 7,021 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3563% | 5,146 |
Cost of funding earning assets | 1.1361% | 7,079 |
Net interest margin | 4.2202% | 1,972 |
Noninterest income to average assets | 0.9315% | 1,850 |
Noninterest expense to average assets | 3.6412% | 1,940 |
Loan and lease loss provision to assets | 1.7083% | 1,087 |
Net operating income to assets | -0.8210% | 6,704 |
Return on assets (ROA) | -0.6848% | 6,602 |
Pretax return on assets | -0.6848% | 6,468 |
Return on Equity (ROE) | -6.5758% | 6,617 |
Retained earnings to average equity (ytd only) | -6.5758% | 6,457 |
Net charge-offs to loans | 2.1886% | 883 |
Credit loss provision to net charge-offs | 119.2802% | 4,252 |
Earnings coverage of net charge-offs (x) | 0.6196% | 5,407 |
Efficiency ratio | 80.4065% | 2,785 |
Assets per employee ($millions) | 3.6631% | 4,509 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.4851% | 1,080 |
Loan loss allowance to noncurrent loans | 37.1735% | 5,901 |
Noncurrent assets plus other real estate owned to assets | 6.2952% | 823 |
Noncurrent loans to loans | 6.6852% | 847 |
Net loans and leases to total assets | 59.4524% | 5,672 |
Net loans and leases to deposits | 67.7429% | 6,151 |
Net loans and leases to core deposits | 74.3429% | 6,709 |
Total domestic deposits to total assets | 87.7617% | 1,769 |
Equity capital to assets | 11.1490% | 2,877 |
Core capital (leverage) ratio | 10.9845% | 2,414 |
Tier 1 risk-based capital ratio | 14.6421% | 3,203 |
Total risk-based capital ratio | 15.9023% | 3,148 |
Memoranda: | ||
Average total assets | $36,214,250 | 7,302 |
Average earning assets | $30,866,500 | 7,378 |
Average equity | $3,771,250 | 7,428 |
Average total loans | $23,698,000 | 7,052 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.4902% | 4,689 |
Cost of funding earning assets | 1.2754% | 6,884 |
Net interest margin | 4.2148% | 1,941 |
Noninterest income to average assets | 1.0367% | 1,478 |
Noninterest expense to average assets | 3.5648% | 2,155 |
Loan and lease loss provision to assets | 2.3229% | 687 |
Net operating income to assets | -1.2529% | 7,137 |
Return on assets (ROA) | -1.0478% | 7,017 |
Pretax return on assets | -1.0367% | 6,842 |
Return on Equity (ROE) | -10.3082% | 7,057 |
Retained earnings to average equity (ytd only) | -10.3082% | 6,900 |
Net charge-offs to loans | 2.8402% | 576 |
Credit loss provision to net charge-offs | 122.1574% | 3,807 |
Earnings coverage of net charge-offs (x) | 0.5685% | 5,142 |
Efficiency ratio | 76.7303% | 3,562 |
Assets per employee ($millions) | 3.5594% | 4,664 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.4711% | 927 |
Loan loss allowance to noncurrent loans | 37.9866% | 5,874 |
Noncurrent assets plus other real estate owned to assets | 5.3408% | 954 |
Noncurrent loans to loans | 6.5051% | 811 |
Net loans and leases to total assets | 62.7606% | 5,224 |
Net loans and leases to deposits | 70.6238% | 5,918 |
Net loans and leases to core deposits | 79.0258% | 6,482 |
Total domestic deposits to total assets | 88.8661% | 1,339 |
Equity capital to assets | 9.8977% | 4,088 |
Core capital (leverage) ratio | 9.4915% | 3,899 |
Tier 1 risk-based capital ratio | 12.5664% | 4,469 |
Total risk-based capital ratio | 13.8234% | 4,386 |
Memoranda: | ||
Average total assets | $36,075,330 | 7,375 |
Average earning assets | $30,891,330 | 7,443 |
Average equity | $3,667,000 | 7,517 |
Average total loans | $24,153,000 | 7,072 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.4290% | 5,275 |
Cost of funding earning assets | 1.4146% | 6,681 |
Net interest margin | 4.0144% | 2,590 |
Noninterest income to average assets | 0.6719% | 3,060 |
Noninterest expense to average assets | 3.6237% | 1,807 |
Loan and lease loss provision to assets | 0.8812% | 1,488 |
Net operating income to assets | -0.2726% | 6,651 |
Return on assets (ROA) | 0.0330% | 6,329 |
Pretax return on assets | 0.0441% | 6,287 |
Return on Equity (ROE) | 0.3209% | 6,331 |
Retained earnings to average equity (ytd only) | 0.3209% | 5,532 |
Net charge-offs to loans | 0.9364% | 1,414 |
Credit loss provision to net charge-offs | 137.9310% | 2,942 |
Earnings coverage of net charge-offs (x) | 0.8103% | 4,383 |
Efficiency ratio | 87.5000% | 1,932 |
Assets per employee ($millions) | 3.6147% | 4,535 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1606% | 1,125 |
Loan loss allowance to noncurrent loans | 26.7532% | 6,785 |
Noncurrent assets plus other real estate owned to assets | 5.3255% | 816 |
Noncurrent loans to loans | 8.0760% | 442 |
Net loans and leases to total assets | 64.5171% | 4,899 |
Net loans and leases to deposits | 72.8713% | 5,631 |
Net loans and leases to core deposits | 82.4151% | 6,199 |
Total domestic deposits to total assets | 88.5357% | 1,467 |
Equity capital to assets | 10.2304% | 3,731 |
Core capital (leverage) ratio | 9.7234% | 3,720 |
Tier 1 risk-based capital ratio | 12.6202% | 4,457 |
Total risk-based capital ratio | 13.8783% | 4,369 |
Memoranda: | ||
Average total assets | $36,316,000 | 7,402 |
Average earning assets | $31,387,000 | 7,456 |
Average equity | $3,739,000 | 7,545 |
Average total loans | $24,777,000 | 7,079 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.5896% | 2,541 |
Cost of funding earning assets | 2.0254% | 6,328 |
Net interest margin | 4.5642% | 1,274 |
Noninterest income to average assets | 0.7828% | 2,606 |
Noninterest expense to average assets | 3.5580% | 2,244 |
Loan and lease loss provision to assets | 1.1797% | 1,226 |
Net operating income to assets | -0.0135% | 6,392 |
Return on assets (ROA) | 0.0109% | 6,193 |
Pretax return on assets | 0.0217% | 6,114 |
Return on Equity (ROE) | 0.1082% | 6,193 |
Retained earnings to average equity (ytd only) | -1.4069% | 5,710 |
Net charge-offs to loans | 0.8561% | 1,466 |
Credit loss provision to net charge-offs | 190.3509% | 2,592 |
Earnings coverage of net charge-offs (x) | 1.8772% | 5,132 |
Efficiency ratio | 75.3598% | 3,347 |
Assets per employee ($millions) | 3.6485% | 4,289 |
Cash dividends to net income (ytd only)* | 1,400.0000% | 23 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9169% | 1,381 |
Loan loss allowance to noncurrent loans | 29.1716% | 6,752 |
Noncurrent assets plus other real estate owned to assets | 4.6320% | 795 |
Noncurrent loans to loans | 6.5713% | 487 |
Net loans and leases to total assets | 69.1380% | 4,215 |
Net loans and leases to deposits | 78.2753% | 5,296 |
Net loans and leases to core deposits | 90.3280% | 5,778 |
Total domestic deposits to total assets | 88.3267% | 1,326 |
Equity capital to assets | 10.3604% | 3,658 |
Core capital (leverage) ratio | 9.6925% | 3,777 |
Tier 1 risk-based capital ratio | 11.5675% | 5,178 |
Total risk-based capital ratio | 12.8222% | 5,063 |
Memoranda: | ||
Average total assets | $36,790,400 | 7,353 |
Average earning assets | $31,746,800 | 7,420 |
Average equity | $3,696,000 | 7,610 |
Average total loans | $26,633,800 | 6,925 |