Home > First State Bank of Alexandria > Performance and Condition Ratios
First State Bank of Alexandria, 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 | 5.5259% | 1,193 |
Cost of funding earning assets | 0.9994% | 3,680 |
Net interest margin | 4.5265% | 1,088 |
Noninterest income to average assets | 0.3710% | 4,901 |
Noninterest expense to average assets | 2.5424% | 5,308 |
Loan and lease loss provision to assets | 0.2245% | 3,766 |
Net operating income to assets | 0.9439% | 2,555 |
Return on assets (ROA) | 0.9439% | 2,715 |
Pretax return on assets | 1.5370% | 1,552 |
Return on Equity (ROE) | 5.9787% | 4,027 |
Retained earnings to average equity (ytd only) | 1.1149% | 5,571 |
Net charge-offs to loans | 0.1865% | 4,307 |
Credit loss provision to net charge-offs | 159.6639% | 1,931 |
Earnings coverage of net charge-offs (x) | 12.5296% | 1,697 |
Efficiency ratio | 56.9586% | 6,152 |
Assets per employee ($millions) | 4.2550% | 3,358 |
Cash dividends to net income (ytd only)* | 81.3519% | 581 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3245% | 4,899 |
Loan loss allowance to noncurrent loans | 34.5648% | 5,992 |
Noncurrent assets plus other real estate owned to assets | 3.4403% | 1,835 |
Noncurrent loans to loans | 3.8320% | 1,753 |
Net loans and leases to total assets | 74.3449% | 1,268 |
Net loans and leases to deposits | 89.1219% | 1,304 |
Net loans and leases to core deposits | 91.4913% | 2,055 |
Total domestic deposits to total assets | 83.4194% | 4,515 |
Equity capital to assets | 16.2308% | 594 |
Core capital (leverage) ratio | 9.2280% | 4,575 |
Tier 1 risk-based capital ratio | 11.5545% | 6,210 |
Total risk-based capital ratio | 12.8052% | 6,196 |
Memoranda: | ||
Average total assets | $112,858,000 | 4,603 |
Average earning assets | $98,056,500 | 4,718 |
Average equity | $17,818,500 | 3,452 |
Average total loans | $85,067,500 | 4,030 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.5636% | 1,140 |
Cost of funding earning assets | 1.0467% | 3,627 |
Net interest margin | 4.5169% | 1,093 |
Noninterest income to average assets | 0.2606% | 5,782 |
Noninterest expense to average assets | 2.5792% | 5,262 |
Loan and lease loss provision to assets | 0.2641% | 3,286 |
Net operating income to assets | 0.8292% | 2,947 |
Return on assets (ROA) | 0.8292% | 3,060 |
Pretax return on assets | 1.3451% | 1,980 |
Return on Equity (ROE) | 5.3003% | 4,310 |
Retained earnings to average equity (ytd only) | 0.2363% | 5,742 |
Net charge-offs to loans | 0.2289% | 3,751 |
Credit loss provision to net charge-offs | 153.0612% | 1,995 |
Earnings coverage of net charge-offs (x) | 9.3265% | 1,939 |
Efficiency ratio | 59.4367% | 5,959 |
Assets per employee ($millions) | 3.9493% | 3,867 |
Cash dividends to net income (ytd only)* | 95.5414% | 532 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2869% | 5,120 |
Loan loss allowance to noncurrent loans | 36.0345% | 5,898 |
Noncurrent assets plus other real estate owned to assets | 3.2827% | 2,033 |
Noncurrent loans to loans | 3.5712% | 1,979 |
Net loans and leases to total assets | 75.2652% | 1,190 |
Net loans and leases to deposits | 90.0776% | 1,262 |
Net loans and leases to core deposits | 93.2548% | 1,993 |
Total domestic deposits to total assets | 83.5559% | 4,527 |
Equity capital to assets | 16.0995% | 601 |
Core capital (leverage) ratio | 8.9599% | 4,788 |
Tier 1 risk-based capital ratio | 11.1355% | 6,421 |
Total risk-based capital ratio | 12.3859% | 6,418 |
Memoranda: | ||
Average total assets | $113,601,000 | 4,619 |
Average earning assets | $98,784,330 | 4,736 |
Average equity | $17,772,670 | 3,456 |
Average total loans | $85,639,670 | 4,054 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.5857% | 1,082 |
Cost of funding earning assets | 1.0820% | 3,647 |
Net interest margin | 4.5037% | 1,060 |
Noninterest income to average assets | 0.3266% | 5,297 |
Noninterest expense to average assets | 2.6131% | 5,171 |
Loan and lease loss provision to assets | 0.3649% | 2,373 |
Net operating income to assets | 0.7819% | 3,114 |
Return on assets (ROA) | 0.7819% | 3,186 |
Pretax return on assets | 1.2683% | 2,137 |
Return on Equity (ROE) | 5.0683% | 4,369 |
Retained earnings to average equity (ytd only) | -0.5631% | 5,900 |
Net charge-offs to loans | 0.1669% | 3,477 |
Credit loss provision to net charge-offs | 291.6667% | 1,101 |
Earnings coverage of net charge-offs (x) | 13.0556% | 1,459 |
Efficiency ratio | 59.4108% | 6,063 |
Assets per employee ($millions) | 4.0639% | 3,708 |
Cash dividends to net income (ytd only)* | 111.1111% | 521 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2698% | 5,296 |
Loan loss allowance to noncurrent loans | 34.7196% | 5,980 |
Noncurrent assets plus other real estate owned to assets | 3.5223% | 1,934 |
Noncurrent loans to loans | 3.6574% | 2,028 |
Net loans and leases to total assets | 75.2990% | 1,137 |
Net loans and leases to deposits | 91.5386% | 1,064 |
Net loans and leases to core deposits | 94.7014% | 1,804 |
Total domestic deposits to total assets | 82.2593% | 5,206 |
Equity capital to assets | 15.5876% | 649 |
Core capital (leverage) ratio | 8.7242% | 5,046 |
Tier 1 risk-based capital ratio | 10.6523% | 6,719 |
Total risk-based capital ratio | 11.9020% | 6,707 |
Memoranda: | ||
Average total assets | $115,111,000 | 4,613 |
Average earning assets | $100,185,000 | 4,736 |
Average equity | $17,757,500 | 3,439 |
Average total loans | $86,302,500 | 4,068 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.8150% | 1,241 |
Cost of funding earning assets | 1.5101% | 2,579 |
Net interest margin | 4.3049% | 1,805 |
Noninterest income to average assets | 0.4385% | 4,603 |
Noninterest expense to average assets | 2.6320% | 5,289 |
Loan and lease loss provision to assets | 0.2084% | 5,164 |
Net operating income to assets | 0.8197% | 2,711 |
Return on assets (ROA) | 0.8197% | 2,851 |
Pretax return on assets | 1.3312% | 1,856 |
Return on Equity (ROE) | 5.2943% | 3,950 |
Retained earnings to average equity (ytd only) | -0.3141% | 5,670 |
Net charge-offs to loans | 0.2926% | 4,555 |
Credit loss provision to net charge-offs | 91.9540% | 5,047 |
Earnings coverage of net charge-offs (x) | 6.7931% | 2,273 |
Efficiency ratio | 60.9700% | 5,898 |
Assets per employee ($millions) | 4.1583% | 3,463 |
Cash dividends to net income (ytd only)* | 105.9322% | 324 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2037% | 5,499 |
Loan loss allowance to noncurrent loans | 30.1078% | 6,285 |
Noncurrent assets plus other real estate owned to assets | 3.7936% | 1,804 |
Noncurrent loans to loans | 3.9979% | 1,813 |
Net loans and leases to total assets | 72.8213% | 1,922 |
Net loans and leases to deposits | 86.3553% | 2,034 |
Net loans and leases to core deposits | 89.1857% | 2,873 |
Total domestic deposits to total assets | 84.3275% | 4,211 |
Equity capital to assets | 15.2689% | 727 |
Core capital (leverage) ratio | 8.4634% | 5,429 |
Tier 1 risk-based capital ratio | 10.5551% | 6,663 |
Total risk-based capital ratio | 11.7374% | 6,687 |
Memoranda: | ||
Average total assets | $115,158,000 | 4,588 |
Average earning assets | $99,863,000 | 4,731 |
Average equity | $17,830,600 | 3,452 |
Average total loans | $89,203,800 | 4,072 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.8749% | 1,193 |
Cost of funding earning assets | 1.5666% | 2,571 |
Net interest margin | 4.3084% | 1,824 |
Noninterest income to average assets | 0.6130% | 3,365 |
Noninterest expense to average assets | 2.6587% | 5,073 |
Loan and lease loss provision to assets | 0.2264% | 4,810 |
Net operating income to assets | 0.8951% | 2,633 |
Return on assets (ROA) | 0.8951% | 2,783 |
Pretax return on assets | 1.4606% | 1,722 |
Return on Equity (ROE) | 5.7610% | 3,924 |
Retained earnings to average equity (ytd only) | 0.1569% | 5,711 |
Net charge-offs to loans | 0.3065% | 4,132 |
Credit loss provision to net charge-offs | 94.2029% | 4,602 |
Earnings coverage of net charge-offs (x) | 7.0194% | 2,400 |
Efficiency ratio | 59.1237% | 6,090 |
Assets per employee ($millions) | 4.1827% | 3,472 |
Cash dividends to net income (ytd only)* | 97.2772% | 376 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2139% | 5,421 |
Loan loss allowance to noncurrent loans | 32.4005% | 6,173 |
Noncurrent assets plus other real estate owned to assets | 3.6016% | 1,978 |
Noncurrent loans to loans | 3.7464% | 2,065 |
Net loans and leases to total assets | 72.4068% | 2,164 |
Net loans and leases to deposits | 86.7626% | 2,190 |
Net loans and leases to core deposits | 90.3262% | 3,051 |
Total domestic deposits to total assets | 83.4540% | 4,396 |
Equity capital to assets | 15.2772% | 829 |
Core capital (leverage) ratio | 8.4547% | 5,593 |
Tier 1 risk-based capital ratio | 10.5774% | 6,726 |
Total risk-based capital ratio | 11.7662% | 6,753 |
Memoranda: | ||
Average total assets | $114,839,250 | 4,657 |
Average earning assets | $99,493,500 | 4,800 |
Average equity | $17,843,750 | 3,494 |
Average total loans | $90,049,500 | 4,115 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.0110% | 925 |
Cost of funding earning assets | 1.5925% | 2,699 |
Net interest margin | 4.4185% | 1,398 |
Noninterest income to average assets | 0.4471% | 4,549 |
Noninterest expense to average assets | 2.5929% | 5,350 |
Loan and lease loss provision to assets | 0.2104% | 4,773 |
Net operating income to assets | 0.8941% | 2,572 |
Return on assets (ROA) | 0.8941% | 2,691 |
Pretax return on assets | 1.4621% | 1,663 |
Return on Equity (ROE) | 5.7214% | 3,930 |
Retained earnings to average equity (ytd only) | 0.6731% | 5,493 |
Net charge-offs to loans | -0.0328% | 7,367 |
Credit loss provision to net charge-offs | -800.0000% | 6,876 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 58.6930% | 6,278 |
Assets per employee ($millions) | 4.3033% | 3,208 |
Cash dividends to net income (ytd only)* | 88.2353% | 599 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3369% | 4,745 |
Loan loss allowance to noncurrent loans | 31.8767% | 6,239 |
Noncurrent assets plus other real estate owned to assets | 4.0417% | 1,704 |
Noncurrent loans to loans | 4.1939% | 1,775 |
Net loans and leases to total assets | 75.5233% | 1,587 |
Net loans and leases to deposits | 91.4519% | 1,624 |
Net loans and leases to core deposits | 95.5341% | 2,505 |
Total domestic deposits to total assets | 82.5825% | 4,752 |
Equity capital to assets | 15.3906% | 800 |
Core capital (leverage) ratio | 8.7177% | 5,048 |
Tier 1 risk-based capital ratio | 10.3087% | 6,832 |
Total risk-based capital ratio | 11.5591% | 6,812 |
Memoranda: | ||
Average total assets | $114,080,330 | 4,702 |
Average earning assets | $98,586,000 | 4,856 |
Average equity | $17,827,670 | 3,489 |
Average total loans | $91,452,000 | 4,114 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.0335% | 914 |
Cost of funding earning assets | 1.6128% | 2,879 |
Net interest margin | 4.4208% | 1,332 |
Noninterest income to average assets | 0.4671% | 4,323 |
Noninterest expense to average assets | 2.5162% | 5,675 |
Loan and lease loss provision to assets | 0.2654% | 3,905 |
Net operating income to assets | 0.9201% | 2,475 |
Return on assets (ROA) | 0.9201% | 2,538 |
Pretax return on assets | 1.5076% | 1,493 |
Return on Equity (ROE) | 5.8425% | 3,946 |
Retained earnings to average equity (ytd only) | 0.7865% | 5,508 |
Net charge-offs to loans | -0.0604% | 7,397 |
Credit loss provision to net charge-offs | -535.7143% | 6,286 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 56.5182% | 6,695 |
Assets per employee ($millions) | 4.2000% | 3,463 |
Cash dividends to net income (ytd only)* | 86.5385% | 739 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2290% | 5,342 |
Loan loss allowance to noncurrent loans | 34.6049% | 6,077 |
Noncurrent assets plus other real estate owned to assets | 3.7645% | 1,845 |
Noncurrent loans to loans | 3.5514% | 2,247 |
Net loans and leases to total assets | 81.0072% | 714 |
Net loans and leases to deposits | 99.1945% | 811 |
Net loans and leases to core deposits | 101.3247% | 1,990 |
Total domestic deposits to total assets | 81.6651% | 5,208 |
Equity capital to assets | 15.7124% | 721 |
Core capital (leverage) ratio | 8.8790% | 4,758 |
Tier 1 risk-based capital ratio | 9.8305% | 7,130 |
Total risk-based capital ratio | 11.0479% | 7,151 |
Memoranda: | ||
Average total assets | $113,026,500 | 4,796 |
Average earning assets | $97,720,500 | 4,937 |
Average equity | $17,800,500 | 3,519 |
Average total loans | $92,709,000 | 4,147 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.3720% | 884 |
Cost of funding earning assets | 1.9026% | 3,452 |
Net interest margin | 4.4694% | 1,242 |
Noninterest income to average assets | 0.3401% | 5,654 |
Noninterest expense to average assets | 2.4842% | 6,192 |
Loan and lease loss provision to assets | 0.1647% | 6,043 |
Net operating income to assets | 0.9403% | 2,051 |
Return on assets (ROA) | 0.9403% | 2,107 |
Pretax return on assets | 1.5734% | 1,024 |
Return on Equity (ROE) | 6.0044% | 3,207 |
Retained earnings to average equity (ytd only) | 1.3135% | 4,126 |
Net charge-offs to loans | 0.1685% | 5,604 |
Credit loss provision to net charge-offs | 118.5897% | 4,542 |
Earnings coverage of net charge-offs (x) | 12.5128% | 1,505 |
Efficiency ratio | 56.6849% | 6,934 |
Assets per employee ($millions) | 4.3328% | 3,220 |
Cash dividends to net income (ytd only)* | 78.1250% | 1,247 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1405% | 5,687 |
Loan loss allowance to noncurrent loans | 31.9297% | 6,329 |
Noncurrent assets plus other real estate owned to assets | 3.4868% | 1,931 |
Noncurrent loans to loans | 3.5720% | 2,121 |
Net loans and leases to total assets | 81.0975% | 825 |
Net loans and leases to deposits | 99.4817% | 950 |
Net loans and leases to core deposits | 108.7828% | 3,023 |
Total domestic deposits to total assets | 81.5201% | 5,145 |
Equity capital to assets | 15.7858% | 730 |
Core capital (leverage) ratio | 8.8968% | 4,593 |
Tier 1 risk-based capital ratio | 9.7930% | 7,024 |
Total risk-based capital ratio | 10.9187% | 7,092 |
Memoranda: | ||
Average total assets | $112,307,600 | 4,771 |
Average earning assets | $97,552,200 | 4,906 |
Average equity | $17,587,000 | 3,569 |
Average total loans | $92,607,800 | 4,142 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.4469% | 842 |
Cost of funding earning assets | 1.9644% | 3,545 |
Net interest margin | 4.4825% | 1,236 |
Noninterest income to average assets | 0.3517% | 5,677 |
Noninterest expense to average assets | 2.5651% | 5,836 |
Loan and lease loss provision to assets | 0.1426% | 5,930 |
Net operating income to assets | 0.9172% | 2,353 |
Return on assets (ROA) | 0.9172% | 2,428 |
Pretax return on assets | 1.5398% | 1,303 |
Return on Equity (ROE) | 5.8690% | 3,578 |
Retained earnings to average equity (ytd only) | 0.7374% | 4,876 |
Net charge-offs to loans | 0.0676% | 6,018 |
Credit loss provision to net charge-offs | 255.3191% | 1,677 |
Earnings coverage of net charge-offs (x) | 30.1253% | 933 |
Efficiency ratio | 58.2378% | 6,687 |
Assets per employee ($millions) | 4.3305% | 3,150 |
Cash dividends to net income (ytd only)* | 87.4353% | 788 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1638% | 5,329 |
Loan loss allowance to noncurrent loans | 123.3708% | 2,317 |
Noncurrent assets plus other real estate owned to assets | 0.9441% | 5,183 |
Noncurrent loans to loans | 0.9434% | 5,413 |
Net loans and leases to total assets | 82.8160% | 694 |
Net loans and leases to deposits | 106.1714% | 645 |
Net loans and leases to core deposits | 115.0704% | 2,717 |
Total domestic deposits to total assets | 78.0022% | 6,090 |
Equity capital to assets | 15.6786% | 855 |
Core capital (leverage) ratio | 8.5610% | 5,373 |
Tier 1 risk-based capital ratio | 9.6965% | 7,241 |
Total risk-based capital ratio | 10.8787% | 7,249 |
Memoranda: | ||
Average total assets | $112,221,500 | 4,802 |
Average earning assets | $97,532,750 | 4,942 |
Average equity | $17,538,000 | 3,606 |
Average total loans | $92,656,750 | 4,186 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.4877% | 846 |
Cost of funding earning assets | 2.0302% | 3,625 |
Net interest margin | 4.4575% | 1,268 |
Noninterest income to average assets | 0.3800% | 5,467 |
Noninterest expense to average assets | 2.6138% | 5,692 |
Loan and lease loss provision to assets | 0.1338% | 5,749 |
Net operating income to assets | 0.8903% | 2,491 |
Return on assets (ROA) | 0.8903% | 2,606 |
Pretax return on assets | 1.4987% | 1,447 |
Return on Equity (ROE) | 5.7030% | 3,785 |
Retained earnings to average equity (ytd only) | -0.2971% | 5,298 |
Net charge-offs to loans | 0.1042% | 5,116 |
Credit loss provision to net charge-offs | 156.2500% | 2,944 |
Earnings coverage of net charge-offs (x) | 19.0625% | 1,383 |
Efficiency ratio | 59.4118% | 6,632 |
Assets per employee ($millions) | 4.3590% | 3,010 |
Cash dividends to net income (ytd only)* | 105.2104% | 657 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1248% | 5,424 |
Loan loss allowance to noncurrent loans | 117.4107% | 2,508 |
Noncurrent assets plus other real estate owned to assets | 0.9432% | 5,094 |
Noncurrent loans to loans | 0.9580% | 5,305 |
Net loans and leases to total assets | 81.5944% | 1,029 |
Net loans and leases to deposits | 101.8335% | 1,084 |
Net loans and leases to core deposits | 110.8627% | 3,280 |
Total domestic deposits to total assets | 80.1253% | 5,430 |
Equity capital to assets | 15.4692% | 937 |
Core capital (leverage) ratio | 8.5573% | 5,342 |
Tier 1 risk-based capital ratio | 9.4729% | 7,413 |
Total risk-based capital ratio | 10.5982% | 7,495 |
Memoranda: | ||
Average total assets | $112,097,670 | 4,823 |
Average earning assets | $97,230,330 | 4,970 |
Average equity | $17,499,670 | 3,617 |
Average total loans | $92,094,670 | 4,227 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.4157% | 1,037 |
Cost of funding earning assets | 2.1097% | 3,611 |
Net interest margin | 4.3060% | 1,585 |
Noninterest income to average assets | 0.2870% | 6,144 |
Noninterest expense to average assets | 2.4902% | 5,875 |
Loan and lease loss provision to assets | 0.1615% | 4,871 |
Net operating income to assets | 0.8145% | 3,068 |
Return on assets (ROA) | 0.8145% | 3,222 |
Pretax return on assets | 1.3778% | 2,033 |
Return on Equity (ROE) | 5.1935% | 4,386 |
Retained earnings to average equity (ytd only) | -1.6701% | 6,033 |
Net charge-offs to loans | 0.0788% | 4,387 |
Credit loss provision to net charge-offs | 250.0000% | 1,869 |
Earnings coverage of net charge-offs (x) | 23.8333% | 1,262 |
Efficiency ratio | 59.4835% | 6,479 |
Assets per employee ($millions) | 3.9225% | 3,828 |
Cash dividends to net income (ytd only)* | 132.1586% | 528 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1604% | 5,049 |
Loan loss allowance to noncurrent loans | 181.3793% | 1,818 |
Noncurrent assets plus other real estate owned to assets | 0.7120% | 5,376 |
Noncurrent loans to loans | 0.6398% | 5,812 |
Net loans and leases to total assets | 81.5877% | 1,085 |
Net loans and leases to deposits | 101.7337% | 1,206 |
Net loans and leases to core deposits | 111.5972% | 3,251 |
Total domestic deposits to total assets | 80.1974% | 5,288 |
Equity capital to assets | 15.9020% | 887 |
Core capital (leverage) ratio | 8.6069% | 5,329 |
Tier 1 risk-based capital ratio | 9.8163% | 7,127 |
Total risk-based capital ratio | 10.9924% | 7,118 |
Memoranda: | ||
Average total assets | $111,479,000 | 4,863 |
Average earning assets | $96,887,500 | 5,007 |
Average equity | $17,483,500 | 3,642 |
Average total loans | $91,378,500 | 4,276 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.9591% | 1,238 |
Cost of funding earning assets | 2.4392% | 4,532 |
Net interest margin | 4.5199% | 1,375 |
Noninterest income to average assets | 0.3427% | 5,996 |
Noninterest expense to average assets | 2.4966% | 6,022 |
Loan and lease loss provision to assets | 0.1022% | 6,075 |
Net operating income to assets | 0.9557% | 2,762 |
Return on assets (ROA) | 0.9829% | 2,506 |
Pretax return on assets | 1.6620% | 1,236 |
Return on Equity (ROE) | 6.1336% | 3,890 |
Retained earnings to average equity (ytd only) | -1.1455% | 5,640 |
Net charge-offs to loans | 0.0340% | 6,340 |
Credit loss provision to net charge-offs | 389.6552% | 1,137 |
Earnings coverage of net charge-offs (x) | 65.6552% | 613 |
Efficiency ratio | 56.9989% | 6,876 |
Assets per employee ($millions) | 4.0403% | 3,433 |
Cash dividends to net income (ytd only)* | 118.6753% | 695 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1129% | 5,172 |
Loan loss allowance to noncurrent loans | 171.4047% | 2,218 |
Noncurrent assets plus other real estate owned to assets | 0.5286% | 5,592 |
Noncurrent loans to loans | 0.6493% | 5,419 |
Net loans and leases to total assets | 80.5037% | 1,549 |
Net loans and leases to deposits | 99.1335% | 1,971 |
Net loans and leases to core deposits | 108.5559% | 3,903 |
Total domestic deposits to total assets | 81.2073% | 4,555 |
Equity capital to assets | 15.4708% | 1,056 |
Core capital (leverage) ratio | 8.6898% | 5,214 |
Tier 1 risk-based capital ratio | 9.7331% | 7,042 |
Total risk-based capital ratio | 10.8636% | 7,079 |
Memoranda: | ||
Average total assets | $110,590,400 | 4,760 |
Average earning assets | $94,826,000 | 4,953 |
Average equity | $17,722,000 | 3,607 |
Average total loans | $85,333,400 | 4,351 |