Home > Kasson State Bank > Performance and Condition Ratios
Kasson State Bank, Performance and Condition Ratios
2015-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3577% | 5,313 |
Cost of funding earning assets | 0.2336% | 5,110 |
Net interest margin | 3.1241% | 4,902 |
Noninterest income to average assets | 0.5016% | 3,363 |
Noninterest expense to average assets | 3.2326% | 1,887 |
Loan and lease loss provision to assets | 0.0000% | 4,069 |
Net operating income to assets | 0.2508% | 5,579 |
Return on assets (ROA) | 0.3031% | 5,532 |
Pretax return on assets | 0.3031% | 5,655 |
Return on Equity (ROE) | 3.4512% | 5,257 |
Retained earnings to average equity (ytd only) | 3.4512% | 3,850 |
Net charge-offs to loans | 0.5993% | 398 |
Credit loss provision to net charge-offs | 0.0000% | 3,158 |
Earnings coverage of net charge-offs (x) | 0.8000% | 3,619 |
Efficiency ratio | 92.8000% | 592 |
Assets per employee ($millions) | 2.8964% | 5,714 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8749% | 1,216 |
Loan loss allowance to noncurrent loans | 1,260.0000% | 457 |
Noncurrent assets plus other real estate owned to assets | 0.4834% | 4,002 |
Noncurrent loans to loans | 0.1488% | 5,153 |
Net loans and leases to total assets | 47.9321% | 5,110 |
Net loans and leases to deposits | 52.9094% | 5,322 |
Net loans and leases to core deposits | 52.9094% | 5,488 |
Total domestic deposits to total assets | 90.5927% | 418 |
Equity capital to assets | 9.1947% | 5,023 |
Core capital (leverage) ratio | 9.0617% | 4,877 |
Tier 1 risk-based capital ratio | 16.0191% | 2,847 |
Total risk-based capital ratio | 17.2779% | 2,802 |
Memoranda: | ||
Average total assets | $57,415,330 | 5,506 |
Average earning assets | $54,799,000 | 5,444 |
Average equity | $5,041,670 | 5,769 |
Average total loans | $30,037,000 | 5,471 |
2015-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3204% | 5,402 |
Cost of funding earning assets | 0.2285% | 5,234 |
Net interest margin | 3.0919% | 4,978 |
Noninterest income to average assets | 0.2525% | 5,154 |
Noninterest expense to average assets | 3.2965% | 1,724 |
Loan and lease loss provision to assets | 0.0000% | 3,703 |
Net operating income to assets | -0.0887% | 6,093 |
Return on assets (ROA) | -0.1024% | 6,130 |
Pretax return on assets | -0.1024% | 6,121 |
Return on Equity (ROE) | -1.1923% | 6,136 |
Retained earnings to average equity (ytd only) | -1.1923% | 5,579 |
Net charge-offs to loans | 1.1387% | 201 |
Credit loss provision to net charge-offs | 0.0000% | 2,491 |
Earnings coverage of net charge-offs (x) | -0.1444% | 3,122 |
Efficiency ratio | 102.7660% | 295 |
Assets per employee ($millions) | 3.0047% | 5,657 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6483% | 1,890 |
Loan loss allowance to noncurrent loans | 33.8710% | 5,451 |
Noncurrent assets plus other real estate owned to assets | 2.8832% | 674 |
Noncurrent loans to loans | 4.8664% | 286 |
Net loans and leases to total assets | 52.6774% | 4,590 |
Net loans and leases to deposits | 57.9062% | 4,925 |
Net loans and leases to core deposits | 57.9062% | 5,127 |
Total domestic deposits to total assets | 90.9702% | 380 |
Equity capital to assets | 8.8879% | 5,405 |
Core capital (leverage) ratio | 8.6234% | 5,401 |
Tier 1 risk-based capital ratio | 14.3590% | 3,794 |
Total risk-based capital ratio | 15.6100% | 3,717 |
Memoranda: | ||
Average total assets | $58,607,000 | 5,525 |
Average earning assets | $56,018,000 | 5,463 |
Average equity | $5,032,500 | 5,826 |
Average total loans | $31,614,500 | 5,450 |
2014-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6773% | 4,858 |
Cost of funding earning assets | 0.2708% | 5,089 |
Net interest margin | 3.4065% | 4,172 |
Noninterest income to average assets | 0.2649% | 5,235 |
Noninterest expense to average assets | 2.9960% | 2,851 |
Loan and lease loss provision to assets | 0.3499% | 545 |
Net operating income to assets | 0.1466% | 5,884 |
Return on assets (ROA) | 0.1466% | 5,927 |
Pretax return on assets | 0.1466% | 5,942 |
Return on Equity (ROE) | 1.7854% | 5,821 |
Retained earnings to average equity (ytd only) | 1.7854% | 4,918 |
Net charge-offs to loans | 0.6690% | 571 |
Credit loss provision to net charge-offs | 93.3333% | 2,573 |
Earnings coverage of net charge-offs (x) | 1.3244% | 4,445 |
Efficiency ratio | 85.7824% | 1,195 |
Assets per employee ($millions) | 3.1645% | 5,485 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8192% | 1,492 |
Loan loss allowance to noncurrent loans | 39.3899% | 5,393 |
Noncurrent assets plus other real estate owned to assets | 2.8890% | 721 |
Noncurrent loans to loans | 4.6184% | 354 |
Net loans and leases to total assets | 53.3189% | 4,659 |
Net loans and leases to deposits | 58.2227% | 5,051 |
Net loans and leases to core deposits | 58.2227% | 5,251 |
Total domestic deposits to total assets | 91.5775% | 211 |
Equity capital to assets | 8.3010% | 5,891 |
Core capital (leverage) ratio | 8.4561% | 5,600 |
Tier 1 risk-based capital ratio | 13.4775% | 4,427 |
Total risk-based capital ratio | 14.7306% | 4,365 |
Memoranda: | ||
Average total assets | $60,013,800 | 5,549 |
Average earning assets | $56,861,800 | 5,494 |
Average equity | $4,929,000 | 5,873 |
Average total loans | $33,631,000 | 5,411 |
2014-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5874% | 5,173 |
Cost of funding earning assets | 0.2892% | 4,998 |
Net interest margin | 3.2983% | 4,610 |
Noninterest income to average assets | 0.2623% | 5,335 |
Noninterest expense to average assets | 2.9917% | 2,827 |
Loan and lease loss provision to assets | 0.4490% | 348 |
Net operating income to assets | -0.0600% | 6,191 |
Return on assets (ROA) | -0.1111% | 6,233 |
Pretax return on assets | -0.1111% | 6,210 |
Return on Equity (ROE) | -1.3569% | 6,251 |
Retained earnings to average equity (ytd only) | -1.3569% | 6,014 |
Net charge-offs to loans | 0.8344% | 398 |
Credit loss provision to net charge-offs | 95.2830% | 2,337 |
Earnings coverage of net charge-offs (x) | 0.8255% | 4,309 |
Efficiency ratio | 88.4944% | 960 |
Assets per employee ($millions) | 3.0853% | 5,622 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7357% | 1,864 |
Loan loss allowance to noncurrent loans | 52.4978% | 5,055 |
Noncurrent assets plus other real estate owned to assets | 2.0676% | 1,366 |
Noncurrent loans to loans | 3.3062% | 753 |
Net loans and leases to total assets | 57.8506% | 4,094 |
Net loans and leases to deposits | 63.0440% | 4,635 |
Net loans and leases to core deposits | 63.0440% | 4,965 |
Total domestic deposits to total assets | 91.7622% | 187 |
Equity capital to assets | 8.2122% | 6,006 |
Core capital (leverage) ratio | 8.2784% | 5,854 |
Tier 1 risk-based capital ratio | 11.8677% | 5,580 |
Total risk-based capital ratio | 13.1196% | 5,495 |
Memoranda: | ||
Average total assets | $59,986,000 | 5,607 |
Average earning assets | $56,715,250 | 5,550 |
Average equity | $4,913,500 | 5,936 |
Average total loans | $33,875,750 | 5,460 |
2014-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5952% | 5,163 |
Cost of funding earning assets | 0.3022% | 4,948 |
Net interest margin | 3.2930% | 4,618 |
Noninterest income to average assets | 0.2879% | 5,120 |
Noninterest expense to average assets | 2.9814% | 2,899 |
Loan and lease loss provision to assets | 0.6353% | 222 |
Net operating income to assets | -0.2283% | 6,335 |
Return on assets (ROA) | -0.3441% | 6,396 |
Pretax return on assets | -0.3441% | 6,377 |
Return on Equity (ROE) | -4.2048% | 6,414 |
Retained earnings to average equity (ytd only) | -4.2048% | 6,190 |
Net charge-offs to loans | 1.0278% | 341 |
Credit loss provision to net charge-offs | 110.9827% | 1,811 |
Earnings coverage of net charge-offs (x) | 0.7110% | 3,990 |
Efficiency ratio | 87.9883% | 1,088 |
Assets per employee ($millions) | 3.1131% | 5,574 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8491% | 1,707 |
Loan loss allowance to noncurrent loans | 350.8380% | 1,309 |
Noncurrent assets plus other real estate owned to assets | 0.3533% | 4,970 |
Noncurrent loans to loans | 0.5270% | 4,430 |
Net loans and leases to total assets | 56.3577% | 4,230 |
Net loans and leases to deposits | 61.3509% | 4,750 |
Net loans and leases to core deposits | 61.3509% | 5,023 |
Total domestic deposits to total assets | 91.8612% | 192 |
Equity capital to assets | 8.1083% | 6,089 |
Core capital (leverage) ratio | 8.0689% | 6,044 |
Tier 1 risk-based capital ratio | 10.7300% | 6,158 |
Total risk-based capital ratio | 11.9815% | 6,113 |
Memoranda: | ||
Average total assets | $60,441,330 | 5,646 |
Average earning assets | $56,909,000 | 5,587 |
Average equity | $4,946,670 | 5,967 |
Average total loans | $33,664,000 | 5,508 |
2014-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6048% | 5,153 |
Cost of funding earning assets | 0.3086% | 4,982 |
Net interest margin | 3.2962% | 4,552 |
Noninterest income to average assets | 0.2750% | 5,170 |
Noninterest expense to average assets | 2.9400% | 3,083 |
Loan and lease loss provision to assets | 0.1637% | 1,487 |
Net operating income to assets | 0.2488% | 5,667 |
Return on assets (ROA) | 0.0196% | 6,203 |
Pretax return on assets | 0.0196% | 6,197 |
Return on Equity (ROE) | 0.2389% | 6,195 |
Retained earnings to average equity (ytd only) | 0.2389% | 5,477 |
Net charge-offs to loans | 0.1074% | 2,107 |
Credit loss provision to net charge-offs | 277.7778% | 833 |
Earnings coverage of net charge-offs (x) | 7.0000% | 2,166 |
Efficiency ratio | 87.6953% | 1,258 |
Assets per employee ($millions) | 3.2385% | 5,467 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8941% | 1,773 |
Loan loss allowance to noncurrent loans | 46.2963% | 5,349 |
Noncurrent assets plus other real estate owned to assets | 2.2428% | 1,471 |
Noncurrent loans to loans | 4.0912% | 645 |
Net loans and leases to total assets | 52.6125% | 4,593 |
Net loans and leases to deposits | 57.5142% | 4,986 |
Net loans and leases to core deposits | 57.5142% | 5,236 |
Total domestic deposits to total assets | 91.4775% | 387 |
Equity capital to assets | 8.3048% | 5,818 |
Core capital (leverage) ratio | 8.6046% | 5,522 |
Tier 1 risk-based capital ratio | 11.6561% | 5,834 |
Total risk-based capital ratio | 12.8995% | 5,783 |
Memoranda: | ||
Average total assets | $61,087,500 | 5,679 |
Average earning assets | $57,035,000 | 5,639 |
Average equity | $5,022,000 | 5,988 |
Average total loans | $33,514,500 | 5,569 |
2013-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8309% | 4,689 |
Cost of funding earning assets | 0.4113% | 4,528 |
Net interest margin | 3.4197% | 4,204 |
Noninterest income to average assets | 0.2900% | 5,281 |
Noninterest expense to average assets | 2.7338% | 3,982 |
Loan and lease loss provision to assets | 0.4923% | 572 |
Net operating income to assets | 0.2167% | 5,783 |
Return on assets (ROA) | 0.1306% | 6,040 |
Pretax return on assets | 0.1306% | 6,046 |
Return on Equity (ROE) | 1.5740% | 5,968 |
Retained earnings to average equity (ytd only) | -0.8254% | 6,031 |
Net charge-offs to loans | 0.8822% | 691 |
Credit loss provision to net charge-offs | 99.6774% | 2,488 |
Earnings coverage of net charge-offs (x) | 1.4355% | 4,575 |
Efficiency ratio | 79.4077% | 2,255 |
Assets per employee ($millions) | 3.1918% | 5,503 |
Cash dividends to net income (ytd only)* | 152.4390% | 146 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7866% | 2,105 |
Loan loss allowance to noncurrent loans | 64.7497% | 4,683 |
Noncurrent assets plus other real estate owned to assets | 1.5995% | 2,324 |
Noncurrent loans to loans | 2.7592% | 1,295 |
Net loans and leases to total assets | 55.1134% | 4,447 |
Net loans and leases to deposits | 60.0162% | 4,937 |
Net loans and leases to core deposits | 60.0162% | 5,218 |
Total domestic deposits to total assets | 91.8310% | 319 |
Equity capital to assets | 8.1360% | 5,913 |
Core capital (leverage) ratio | 8.6318% | 5,497 |
Tier 1 risk-based capital ratio | 13.6105% | 4,574 |
Total risk-based capital ratio | 13.7162% | 5,262 |
Memoranda: | ||
Average total assets | $62,768,800 | 5,684 |
Average earning assets | $57,871,000 | 5,656 |
Average equity | $5,209,800 | 6,017 |
Average total loans | $35,139,000 | 5,530 |
2013-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8015% | 4,853 |
Cost of funding earning assets | 0.4211% | 4,598 |
Net interest margin | 3.3803% | 4,354 |
Noninterest income to average assets | 0.3012% | 5,292 |
Noninterest expense to average assets | 2.7867% | 3,708 |
Loan and lease loss provision to assets | 0.4465% | 641 |
Net operating income to assets | 0.1959% | 5,922 |
Return on assets (ROA) | 0.1959% | 6,002 |
Pretax return on assets | 0.1959% | 6,048 |
Return on Equity (ROE) | 2.3490% | 5,837 |
Retained earnings to average equity (ytd only) | 2.3490% | 4,919 |
Net charge-offs to loans | 0.2748% | 2,176 |
Credit loss provision to net charge-offs | 290.4110% | 877 |
Earnings coverage of net charge-offs (x) | 4.1782% | 3,520 |
Efficiency ratio | 81.2654% | 1,939 |
Assets per employee ($millions) | 3.2921% | 5,297 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1054% | 1,494 |
Loan loss allowance to noncurrent loans | 172.3502% | 2,275 |
Noncurrent assets plus other real estate owned to assets | 0.7418% | 4,250 |
Noncurrent loans to loans | 1.2216% | 3,363 |
Net loans and leases to total assets | 55.6035% | 4,375 |
Net loans and leases to deposits | 60.5154% | 4,913 |
Net loans and leases to core deposits | 60.5154% | 5,258 |
Total domestic deposits to total assets | 91.8833% | 263 |
Equity capital to assets | 8.0671% | 6,105 |
Core capital (leverage) ratio | 8.7839% | 5,430 |
Tier 1 risk-based capital ratio | 13.4201% | 4,817 |
Total risk-based capital ratio | 13.8686% | 5,322 |
Memoranda: | ||
Average total assets | $63,300,000 | 5,729 |
Average earning assets | $58,572,500 | 5,698 |
Average equity | $5,278,750 | 6,067 |
Average total loans | $35,416,000 | 5,566 |
2013-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7428% | 5,012 |
Cost of funding earning assets | 0.4411% | 4,529 |
Net interest margin | 3.3016% | 4,575 |
Noninterest income to average assets | 0.2738% | 5,491 |
Noninterest expense to average assets | 2.8450% | 3,532 |
Loan and lease loss provision to assets | 0.6672% | 360 |
Net operating income to assets | -0.1762% | 6,473 |
Return on assets (ROA) | -0.1731% | 6,506 |
Pretax return on assets | -0.1731% | 6,477 |
Return on Equity (ROE) | -2.0536% | 6,527 |
Retained earnings to average equity (ytd only) | -2.0536% | 6,197 |
Net charge-offs to loans | 0.4749% | 1,393 |
Credit loss provision to net charge-offs | 252.3810% | 989 |
Earnings coverage of net charge-offs (x) | 1.8571% | 3,911 |
Efficiency ratio | 85.2830% | 1,489 |
Assets per employee ($millions) | 3.1873% | 5,508 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0595% | 1,720 |
Loan loss allowance to noncurrent loans | 83.9408% | 3,909 |
Noncurrent assets plus other real estate owned to assets | 1.6562% | 2,625 |
Noncurrent loans to loans | 2.4535% | 1,906 |
Net loans and leases to total assets | 57.8741% | 4,010 |
Net loans and leases to deposits | 63.1302% | 4,605 |
Net loans and leases to core deposits | 63.1302% | 4,985 |
Total domestic deposits to total assets | 91.6742% | 322 |
Equity capital to assets | 8.0104% | 6,190 |
Core capital (leverage) ratio | 8.6693% | 5,462 |
Tier 1 risk-based capital ratio | 12.7444% | 5,332 |
Total risk-based capital ratio | 13.1873% | 5,778 |
Memoranda: | ||
Average total assets | $63,550,000 | 5,759 |
Average earning assets | $58,940,330 | 5,726 |
Average equity | $5,356,330 | 6,093 |
Average total loans | $35,378,670 | 5,604 |
2013-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8183% | 4,765 |
Cost of funding earning assets | 0.4697% | 4,374 |
Net interest margin | 3.3486% | 4,322 |
Noninterest income to average assets | 0.2398% | 5,745 |
Noninterest expense to average assets | 2.6566% | 4,225 |
Loan and lease loss provision to assets | 0.1783% | 2,084 |
Net operating income to assets | 0.4735% | 4,805 |
Return on assets (ROA) | 0.4797% | 4,938 |
Pretax return on assets | 0.4797% | 5,323 |
Return on Equity (ROE) | 5.5625% | 4,285 |
Retained earnings to average equity (ytd only) | 5.5625% | 2,923 |
Net charge-offs to loans | 0.9097% | 668 |
Credit loss provision to net charge-offs | 36.2500% | 2,797 |
Earnings coverage of net charge-offs (x) | 1.3250% | 3,391 |
Efficiency ratio | 80.2974% | 2,282 |
Assets per employee ($millions) | 3.3651% | 5,293 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6154% | 3,334 |
Loan loss allowance to noncurrent loans | 241.5584% | 1,620 |
Noncurrent assets plus other real estate owned to assets | 1.0041% | 3,915 |
Noncurrent loans to loans | 0.6688% | 4,780 |
Net loans and leases to total assets | 53.1523% | 4,537 |
Net loans and leases to deposits | 58.5830% | 4,960 |
Net loans and leases to core deposits | 58.5830% | 5,284 |
Total domestic deposits to total assets | 90.7299% | 654 |
Equity capital to assets | 8.8040% | 5,707 |
Core capital (leverage) ratio | 8.4457% | 5,649 |
Tier 1 risk-based capital ratio | 11.8216% | 6,017 |
Total risk-based capital ratio | 13.0432% | 6,008 |
Memoranda: | ||
Average total assets | $65,045,500 | 5,775 |
Average earning assets | $59,607,500 | 5,758 |
Average equity | $5,609,000 | 6,073 |
Average total loans | $35,175,500 | 5,657 |
2012-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2961% | 4,204 |
Cost of funding earning assets | 0.5883% | 4,460 |
Net interest margin | 3.7078% | 3,615 |
Noninterest income to average assets | 0.3239% | 5,142 |
Noninterest expense to average assets | 2.9184% | 3,571 |
Loan and lease loss provision to assets | 0.2360% | 2,775 |
Net operating income to assets | 0.5648% | 4,408 |
Return on assets (ROA) | 0.5583% | 4,694 |
Pretax return on assets | 0.5583% | 5,109 |
Return on Equity (ROE) | 6.1272% | 4,100 |
Retained earnings to average equity (ytd only) | 1.8935% | 4,891 |
Net charge-offs to loans | 0.4470% | 2,441 |
Credit loss provision to net charge-offs | 87.3494% | 3,581 |
Earnings coverage of net charge-offs (x) | 2.9639% | 3,943 |
Efficiency ratio | 78.4683% | 2,366 |
Assets per employee ($millions) | 3.4818% | 5,045 |
Cash dividends to net income (ytd only)* | 69.0962% | 1,409 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7007% | 2,929 |
Loan loss allowance to noncurrent loans | 188.5449% | 1,942 |
Noncurrent assets plus other real estate owned to assets | 1.1141% | 3,792 |
Noncurrent loans to loans | 0.9020% | 4,380 |
Net loans and leases to total assets | 53.2092% | 4,729 |
Net loans and leases to deposits | 58.2569% | 5,211 |
Net loans and leases to core deposits | 58.2569% | 5,518 |
Total domestic deposits to total assets | 91.3354% | 389 |
Equity capital to assets | 8.4485% | 6,084 |
Core capital (leverage) ratio | 8.0447% | 6,151 |
Tier 1 risk-based capital ratio | 11.5295% | 6,080 |
Total risk-based capital ratio | 12.8011% | 6,027 |
Memoranda: | ||
Average total assets | $61,437,000 | 5,884 |
Average earning assets | $56,260,000 | 5,860 |
Average equity | $5,598,000 | 6,123 |
Average total loans | $37,137,400 | 5,627 |
2012-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4058% | 4,022 |
Cost of funding earning assets | 0.6140% | 4,504 |
Net interest margin | 3.7918% | 3,369 |
Noninterest income to average assets | 0.2655% | 5,655 |
Noninterest expense to average assets | 2.9650% | 3,357 |
Loan and lease loss provision to assets | 0.2655% | 2,454 |
Net operating income to assets | 0.5465% | 4,635 |
Return on assets (ROA) | 0.5377% | 4,940 |
Pretax return on assets | 0.5377% | 5,350 |
Return on Equity (ROE) | 5.7853% | 4,448 |
Retained earnings to average equity (ytd only) | 4.7853% | 3,527 |
Net charge-offs to loans | 0.4128% | 2,440 |
Credit loss provision to net charge-offs | 103.4483% | 2,845 |
Earnings coverage of net charge-offs (x) | 3.1638% | 3,765 |
Efficiency ratio | 78.5003% | 2,315 |
Assets per employee ($millions) | 3.2371% | 5,567 |
Cash dividends to net income (ytd only)* | 17.2845% | 3,163 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6658% | 3,275 |
Loan loss allowance to noncurrent loans | 384.2424% | 978 |
Noncurrent assets plus other real estate owned to assets | 0.9414% | 4,404 |
Noncurrent loans to loans | 0.4335% | 5,581 |
Net loans and leases to total assets | 60.8487% | 3,598 |
Net loans and leases to deposits | 67.3087% | 4,283 |
Net loans and leases to core deposits | 67.3087% | 4,808 |
Total domestic deposits to total assets | 90.4024% | 631 |
Equity capital to assets | 9.3212% | 5,444 |
Core capital (leverage) ratio | 8.8081% | 5,336 |
Tier 1 risk-based capital ratio | 11.7317% | 6,090 |
Total risk-based capital ratio | 13.0030% | 6,061 |
Memoranda: | ||
Average total assets | $60,257,750 | 5,983 |
Average earning assets | $55,803,750 | 5,938 |
Average equity | $5,600,250 | 6,191 |
Average total loans | $37,469,500 | 5,682 |
2012-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3821% | 4,253 |
Cost of funding earning assets | 0.6362% | 4,558 |
Net interest margin | 3.7459% | 3,611 |
Noninterest income to average assets | 0.2507% | 5,784 |
Noninterest expense to average assets | 3.0614% | 3,047 |
Loan and lease loss provision to assets | 0.2339% | 2,728 |
Net operating income to assets | 0.4579% | 5,007 |
Return on assets (ROA) | 0.4445% | 5,288 |
Pretax return on assets | 0.4445% | 5,587 |
Return on Equity (ROE) | 4.7876% | 4,914 |
Retained earnings to average equity (ytd only) | 4.7876% | 3,423 |
Net charge-offs to loans | 0.3595% | 2,574 |
Credit loss provision to net charge-offs | 104.4776% | 2,606 |
Earnings coverage of net charge-offs (x) | 3.0896% | 3,504 |
Efficiency ratio | 81.5672% | 1,956 |
Assets per employee ($millions) | 3.1484% | 5,757 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7178% | 3,152 |
Loan loss allowance to noncurrent loans | 175.3463% | 1,933 |
Noncurrent assets plus other real estate owned to assets | 0.8425% | 4,705 |
Noncurrent loans to loans | 0.9796% | 4,552 |
Net loans and leases to total assets | 60.5433% | 3,727 |
Net loans and leases to deposits | 66.9644% | 4,369 |
Net loans and leases to core deposits | 66.9644% | 4,900 |
Total domestic deposits to total assets | 90.4112% | 712 |
Equity capital to assets | 9.3648% | 5,243 |
Core capital (leverage) ratio | 8.9420% | 4,991 |
Tier 1 risk-based capital ratio | 11.4773% | 6,229 |
Total risk-based capital ratio | 12.6939% | 6,225 |
Memoranda: | ||
Average total assets | $59,842,000 | 6,034 |
Average earning assets | $55,954,330 | 5,969 |
Average equity | $5,556,000 | 6,231 |
Average total loans | $37,273,000 | 5,721 |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3067% | 4,707 |
Cost of funding earning assets | 0.6626% | 4,609 |
Net interest margin | 3.6441% | 4,068 |
Noninterest income to average assets | 0.3141% | 5,362 |
Noninterest expense to average assets | 3.0475% | 3,091 |
Loan and lease loss provision to assets | 0.1337% | 3,684 |
Net operating income to assets | 0.5881% | 4,399 |
Return on assets (ROA) | 0.5881% | 4,617 |
Pretax return on assets | 0.5881% | 5,152 |
Return on Equity (ROE) | 6.3618% | 4,111 |
Retained earnings to average equity (ytd only) | 6.3618% | 2,766 |
Net charge-offs to loans | 0.4802% | 1,889 |
Credit loss provision to net charge-offs | 44.4444% | 3,373 |
Earnings coverage of net charge-offs (x) | 2.4000% | 3,217 |
Efficiency ratio | 80.8511% | 2,099 |
Assets per employee ($millions) | 3.1651% | 5,841 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6408% | 3,574 |
Loan loss allowance to noncurrent loans | 353.8012% | 944 |
Noncurrent assets plus other real estate owned to assets | 1.0127% | 4,466 |
Noncurrent loans to loans | 0.4638% | 5,748 |
Net loans and leases to total assets | 60.3100% | 3,595 |
Net loans and leases to deposits | 66.6777% | 4,279 |
Net loans and leases to core deposits | 66.6777% | 4,832 |
Total domestic deposits to total assets | 90.4500% | 831 |
Equity capital to assets | 9.2657% | 5,137 |
Core capital (leverage) ratio | 9.0903% | 4,698 |
Tier 1 risk-based capital ratio | 11.5037% | 6,281 |
Total risk-based capital ratio | 12.7334% | 6,275 |
Memoranda: | ||
Average total assets | $59,853,000 | 6,070 |
Average earning assets | $56,748,500 | 5,986 |
Average equity | $5,533,000 | 6,264 |
Average total loans | $37,484,500 | 5,755 |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6901% | 4,285 |
Cost of funding earning assets | 0.8761% | 4,284 |
Net interest margin | 3.8140% | 3,751 |
Noninterest income to average assets | 0.3346% | 5,141 |
Noninterest expense to average assets | 3.1497% | 3,032 |
Loan and lease loss provision to assets | 0.3829% | 2,699 |
Net operating income to assets | 0.3096% | 5,215 |
Return on assets (ROA) | 0.2913% | 5,440 |
Pretax return on assets | 0.2913% | 5,579 |
Return on Equity (ROE) | 3.1512% | 5,226 |
Retained earnings to average equity (ytd only) | 0.5582% | 5,584 |
Net charge-offs to loans | 0.3795% | 3,513 |
Credit loss provision to net charge-offs | 154.3624% | 1,819 |
Earnings coverage of net charge-offs (x) | 2.7919% | 3,822 |
Efficiency ratio | 81.9757% | 2,033 |
Assets per employee ($millions) | 3.1353% | 5,837 |
Cash dividends to net income (ytd only)* | 82.2857% | 722 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6537% | 3,363 |
Loan loss allowance to noncurrent loans | 56.5530% | 4,681 |
Noncurrent assets plus other real estate owned to assets | 2.8437% | 2,126 |
Noncurrent loans to loans | 2.9242% | 2,226 |
Net loans and leases to total assets | 62.8941% | 3,432 |
Net loans and leases to deposits | 69.3815% | 4,221 |
Net loans and leases to core deposits | 69.3815% | 4,864 |
Total domestic deposits to total assets | 90.6497% | 646 |
Equity capital to assets | 9.2228% | 5,252 |
Core capital (leverage) ratio | 8.8378% | 5,043 |
Tier 1 risk-based capital ratio | 11.6107% | 6,082 |
Total risk-based capital ratio | 12.8840% | 6,057 |
Memoranda: | ||
Average total assets | $60,069,000 | 6,034 |
Average earning assets | $55,244,400 | 6,010 |
Average equity | $5,553,400 | 6,274 |
Average total loans | $39,259,400 | 5,726 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7761% | 4,117 |
Cost of funding earning assets | 0.9246% | 4,237 |
Net interest margin | 3.8514% | 3,606 |
Noninterest income to average assets | 0.3433% | 5,118 |
Noninterest expense to average assets | 3.1010% | 3,157 |
Loan and lease loss provision to assets | 0.0000% | 6,393 |
Net operating income to assets | 0.7575% | 3,354 |
Return on assets (ROA) | 0.7553% | 3,525 |
Pretax return on assets | 0.7553% | 4,295 |
Return on Equity (ROE) | 8.1652% | 2,980 |
Retained earnings to average equity (ytd only) | 5.6749% | 2,758 |
Net charge-offs to loans | 0.0640% | 5,325 |
Credit loss provision to net charge-offs | 0.0000% | 5,735 |
Earnings coverage of net charge-offs (x) | 18.0020% | 1,323 |
Efficiency ratio | 80.3674% | 2,204 |
Assets per employee ($millions) | 3.0817% | 5,943 |
Cash dividends to net income (ytd only)* | 30.4975% | 2,455 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3760% | 4,656 |
Loan loss allowance to noncurrent loans | 46.0870% | 5,250 |
Noncurrent assets plus other real estate owned to assets | 3.0605% | 2,094 |
Noncurrent loans to loans | 2.9857% | 2,320 |
Net loans and leases to total assets | 64.8763% | 3,135 |
Net loans and leases to deposits | 72.0939% | 3,974 |
Net loans and leases to core deposits | 72.0939% | 4,703 |
Total domestic deposits to total assets | 89.9886% | 870 |
Equity capital to assets | 9.7553% | 4,697 |
Core capital (leverage) ratio | 9.4105% | 4,289 |
Tier 1 risk-based capital ratio | 12.8554% | 5,202 |
Total risk-based capital ratio | 14.1019% | 5,180 |
Memoranda: | ||
Average total assets | $60,193,750 | 6,079 |
Average earning assets | $54,939,250 | 6,067 |
Average equity | $5,568,250 | 6,312 |
Average total loans | $39,550,250 | 5,763 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8850% | 3,687 |
Cost of funding earning assets | 0.9879% | 4,028 |
Net interest margin | 3.8971% | 3,321 |
Noninterest income to average assets | 0.2766% | 5,673 |
Noninterest expense to average assets | 2.9799% | 3,717 |
Loan and lease loss provision to assets | 0.0000% | 6,217 |
Net operating income to assets | 0.8166% | 3,003 |
Return on assets (ROA) | 0.8100% | 3,146 |
Pretax return on assets | 0.8100% | 3,985 |
Return on Equity (ROE) | 8.9125% | 2,554 |
Retained earnings to average equity (ytd only) | 7.1010% | 1,831 |
Net charge-offs to loans | 0.0752% | 4,896 |
Credit loss provision to net charge-offs | 0.0000% | 5,336 |
Earnings coverage of net charge-offs (x) | 16.5333% | 1,335 |
Efficiency ratio | 78.4909% | 2,633 |
Assets per employee ($millions) | 3.0819% | 5,917 |
Cash dividends to net income (ytd only)* | 20.3252% | 2,847 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4037% | 4,552 |
Loan loss allowance to noncurrent loans | 1,369.2308% | 286 |
Noncurrent assets plus other real estate owned to assets | 1.2876% | 4,324 |
Noncurrent loans to loans | 0.1025% | 6,716 |
Net loans and leases to total assets | 64.0555% | 3,448 |
Net loans and leases to deposits | 71.1152% | 4,274 |
Net loans and leases to core deposits | 71.1152% | 4,935 |
Total domestic deposits to total assets | 90.0729% | 937 |
Equity capital to assets | 9.6060% | 4,653 |
Core capital (leverage) ratio | 8.8266% | 5,007 |
Tier 1 risk-based capital ratio | 12.1543% | 5,662 |
Total risk-based capital ratio | 13.3491% | 5,679 |
Memoranda: | ||
Average total assets | $60,740,670 | 6,113 |
Average earning assets | $54,861,330 | 6,119 |
Average equity | $5,520,330 | 6,364 |
Average total loans | $39,894,670 | 5,801 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7542% | 4,281 |
Cost of funding earning assets | 0.9866% | 4,293 |
Net interest margin | 3.7676% | 3,768 |
Noninterest income to average assets | 0.2523% | 5,882 |
Noninterest expense to average assets | 2.8917% | 4,091 |
Loan and lease loss provision to assets | 0.0000% | 5,840 |
Net operating income to assets | 0.7698% | 3,170 |
Return on assets (ROA) | 0.7569% | 3,300 |
Pretax return on assets | 0.7569% | 4,071 |
Return on Equity (ROE) | 8.5589% | 2,672 |
Retained earnings to average equity (ytd only) | 8.5589% | 1,533 |
Net charge-offs to loans | 0.0098% | 4,963 |
Credit loss provision to net charge-offs | 0.0000% | 4,480 |
Earnings coverage of net charge-offs (x) | 119.0000% | 274 |
Efficiency ratio | 78.9753% | 2,696 |
Assets per employee ($millions) | 3.3148% | 5,441 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3672% | 4,817 |
Loan loss allowance to noncurrent loans | 1,370.0000% | 298 |
Noncurrent assets plus other real estate owned to assets | 1.2019% | 4,550 |
Noncurrent loans to loans | 0.0998% | 6,791 |
Net loans and leases to total assets | 62.7713% | 3,701 |
Net loans and leases to deposits | 69.0357% | 4,523 |
Net loans and leases to core deposits | 69.0357% | 5,162 |
Total domestic deposits to total assets | 90.9258% | 665 |
Equity capital to assets | 8.7693% | 5,545 |
Core capital (leverage) ratio | 8.7414% | 5,017 |
Tier 1 risk-based capital ratio | 10.9256% | 6,554 |
Total risk-based capital ratio | 12.0455% | 6,620 |
Memoranda: | ||
Average total assets | $61,832,500 | 6,131 |
Average earning assets | $55,950,000 | 6,132 |
Average equity | $5,468,000 | 6,399 |
Average total loans | $40,820,500 | 5,815 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2893% | 3,181 |
Cost of funding earning assets | 1.1808% | 4,671 |
Net interest margin | 4.1085% | 2,527 |
Noninterest income to average assets | 0.3298% | 5,432 |
Noninterest expense to average assets | 2.9152% | 4,166 |
Loan and lease loss provision to assets | 0.5286% | 3,035 |
Net operating income to assets | 0.6357% | 3,507 |
Return on assets (ROA) | 0.4012% | 4,670 |
Pretax return on assets | 0.4012% | 4,941 |
Return on Equity (ROE) | 4.4308% | 4,329 |
Retained earnings to average equity (ytd only) | 2.5721% | 4,062 |
Net charge-offs to loans | 0.4933% | 3,654 |
Credit loss provision to net charge-offs | 151.7073% | 2,370 |
Earnings coverage of net charge-offs (x) | 3.3415% | 3,406 |
Efficiency ratio | 71.4583% | 3,897 |
Assets per employee ($millions) | 3.1939% | 5,685 |
Cash dividends to net income (ytd only)* | 41.9492% | 2,501 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3210% | 4,895 |
Loan loss allowance to noncurrent loans | 146.0106% | 2,038 |
Noncurrent assets plus other real estate owned to assets | 1.5078% | 4,056 |
Noncurrent loans to loans | 0.9047% | 5,251 |
Net loans and leases to total assets | 67.5796% | 3,083 |
Net loans and leases to deposits | 74.4391% | 4,126 |
Net loans and leases to core deposits | 74.4391% | 4,923 |
Total domestic deposits to total assets | 90.7851% | 701 |
Equity capital to assets | 8.9200% | 5,256 |
Core capital (leverage) ratio | 8.7358% | 4,962 |
Tier 1 risk-based capital ratio | 11.0636% | 6,283 |
Total risk-based capital ratio | 12.2254% | 6,318 |
Memoranda: | ||
Average total assets | $58,830,400 | 6,247 |
Average earning assets | $53,693,600 | 6,226 |
Average equity | $5,326,400 | 6,557 |
Average total loans | $41,555,800 | 5,858 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3510% | 3,115 |
Cost of funding earning assets | 1.2147% | 4,775 |
Net interest margin | 4.1363% | 2,460 |
Noninterest income to average assets | 0.3404% | 5,441 |
Noninterest expense to average assets | 2.8554% | 4,259 |
Loan and lease loss provision to assets | 0.5642% | 2,687 |
Net operating income to assets | 0.7013% | 3,406 |
Return on assets (ROA) | 0.3975% | 4,938 |
Pretax return on assets | 0.3975% | 5,225 |
Return on Equity (ROE) | 4.3733% | 4,605 |
Retained earnings to average equity (ytd only) | 4.3733% | 3,421 |
Net charge-offs to loans | 0.0353% | 6,207 |
Credit loss provision to net charge-offs | 2,245.4545% | 144 |
Earnings coverage of net charge-offs (x) | 50.3511% | 563 |
Efficiency ratio | 69.2905% | 4,208 |
Assets per employee ($millions) | 3.0412% | 6,055 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6175% | 3,452 |
Loan loss allowance to noncurrent loans | 140.0000% | 2,016 |
Noncurrent assets plus other real estate owned to assets | 1.2686% | 4,607 |
Noncurrent loans to loans | 1.1553% | 4,930 |
Net loans and leases to total assets | 71.4755% | 2,359 |
Net loans and leases to deposits | 79.2250% | 3,594 |
Net loans and leases to core deposits | 79.2250% | 4,627 |
Total domestic deposits to total assets | 90.2184% | 768 |
Equity capital to assets | 9.4510% | 4,917 |
Core capital (leverage) ratio | 9.1468% | 4,462 |
Tier 1 risk-based capital ratio | 11.6367% | 5,802 |
Total risk-based capital ratio | 12.8902% | 5,774 |
Memoranda: | ||
Average total assets | $58,367,000 | 6,333 |
Average earning assets | $53,347,000 | 6,308 |
Average equity | $5,304,750 | 6,644 |
Average total loans | $41,555,000 | 5,941 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3269% | 3,336 |
Cost of funding earning assets | 1.2411% | 4,891 |
Net interest margin | 4.0859% | 2,624 |
Noninterest income to average assets | 0.3176% | 5,616 |
Noninterest expense to average assets | 2.8005% | 4,477 |
Loan and lease loss provision to assets | 0.1366% | 5,524 |
Net operating income to assets | 1.1133% | 1,808 |
Return on assets (ROA) | 0.6591% | 3,742 |
Pretax return on assets | 0.6591% | 4,370 |
Return on Equity (ROE) | 7.3486% | 3,165 |
Retained earnings to average equity (ytd only) | 7.3486% | 1,694 |
Net charge-offs to loans | 0.0483% | 5,712 |
Credit loss provision to net charge-offs | 400.0000% | 901 |
Earnings coverage of net charge-offs (x) | 36.6000% | 784 |
Efficiency ratio | 69.1400% | 4,353 |
Assets per employee ($millions) | 3.0242% | 6,091 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1206% | 5,844 |
Loan loss allowance to noncurrent loans | 151.1182% | 1,849 |
Noncurrent assets plus other real estate owned to assets | 0.9781% | 5,181 |
Noncurrent loans to loans | 0.7416% | 5,774 |
Net loans and leases to total assets | 72.6331% | 2,248 |
Net loans and leases to deposits | 80.5462% | 3,512 |
Net loans and leases to core deposits | 80.5462% | 4,624 |
Total domestic deposits to total assets | 90.1758% | 829 |
Equity capital to assets | 9.4239% | 4,828 |
Core capital (leverage) ratio | 9.1875% | 4,316 |
Tier 1 risk-based capital ratio | 11.8552% | 5,442 |
Total risk-based capital ratio | 12.9165% | 5,574 |
Memoranda: | ||
Average total assets | $58,562,000 | 6,367 |
Average earning assets | $53,501,670 | 6,345 |
Average equity | $5,252,670 | 6,696 |
Average total loans | $41,413,670 | 5,987 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1784% | 4,145 |
Cost of funding earning assets | 1.2668% | 5,027 |
Net interest margin | 3.9116% | 3,277 |
Noninterest income to average assets | 0.2910% | 5,818 |
Noninterest expense to average assets | 2.7270% | 4,778 |
Loan and lease loss provision to assets | 0.2707% | 3,862 |
Net operating income to assets | 0.8661% | 2,686 |
Return on assets (ROA) | 0.0677% | 6,218 |
Pretax return on assets | 0.0677% | 6,211 |
Return on Equity (ROE) | 0.7735% | 6,188 |
Retained earnings to average equity (ytd only) | 0.7735% | 5,516 |
Net charge-offs to loans | 0.1170% | 4,275 |
Credit loss provision to net charge-offs | 333.3333% | 1,193 |
Earnings coverage of net charge-offs (x) | 14.0000% | 1,460 |
Efficiency ratio | 70.5779% | 4,196 |
Assets per employee ($millions) | 3.0768% | 6,051 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1541% | 5,751 |
Loan loss allowance to noncurrent loans | 331.6901% | 922 |
Noncurrent assets plus other real estate owned to assets | 0.6791% | 5,815 |
Noncurrent loans to loans | 0.3480% | 6,605 |
Net loans and leases to total assets | 69.0027% | 3,153 |
Net loans and leases to deposits | 76.1099% | 4,391 |
Net loans and leases to core deposits | 76.1099% | 5,245 |
Total domestic deposits to total assets | 90.6620% | 671 |
Equity capital to assets | 8.9839% | 5,303 |
Core capital (leverage) ratio | 8.7640% | 4,914 |
Tier 1 risk-based capital ratio | 11.3326% | 5,825 |
Total risk-based capital ratio | 12.3794% | 5,994 |
Memoranda: | ||
Average total assets | $59,113,000 | 6,426 |
Average earning assets | $53,993,500 | 6,391 |
Average equity | $5,171,500 | 6,791 |
Average total loans | $41,016,500 | 6,074 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.7911% | 2,695 |
Cost of funding earning assets | 1.5942% | 5,051 |
Net interest margin | 4.1969% | 2,070 |
Noninterest income to average assets | 0.2296% | 6,467 |
Noninterest expense to average assets | 3.0537% | 3,931 |
Loan and lease loss provision to assets | 0.3409% | 4,757 |
Net operating income to assets | 0.7453% | 2,743 |
Return on assets (ROA) | 0.3391% | 4,464 |
Pretax return on assets | 0.3391% | 4,664 |
Return on Equity (ROE) | 4.0452% | 4,075 |
Retained earnings to average equity (ytd only) | 4.0452% | 2,386 |
Net charge-offs to loans | 0.3615% | 4,420 |
Credit loss provision to net charge-offs | 132.1918% | 3,796 |
Earnings coverage of net charge-offs (x) | 4.2123% | 3,020 |
Efficiency ratio | 73.7628% | 3,948 |
Assets per employee ($millions) | 3.1456% | 5,875 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0746% | 6,015 |
Loan loss allowance to noncurrent loans | 155.9859% | 1,850 |
Noncurrent assets plus other real estate owned to assets | 1.1010% | 4,892 |
Noncurrent loans to loans | 0.6889% | 5,858 |
Net loans and leases to total assets | 68.2328% | 3,650 |
Net loans and leases to deposits | 75.1955% | 4,856 |
Net loans and leases to core deposits | 87.0326% | 5,430 |
Total domestic deposits to total assets | 90.7406% | 644 |
Equity capital to assets | 8.5182% | 5,853 |
Core capital (leverage) ratio | 8.7295% | 4,874 |
Tier 1 risk-based capital ratio | 11.0814% | 5,844 |
Total risk-based capital ratio | 12.0447% | 6,091 |
Memoranda: | ||
Average total assets | $56,619,200 | 6,471 |
Average earning assets | $52,753,000 | 6,425 |
Average equity | $4,746,400 | 7,046 |
Average total loans | $40,392,200 | 6,084 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.8884% | 2,501 |
Cost of funding earning assets | 1.6467% | 5,174 |
Net interest margin | 4.2417% | 1,898 |
Noninterest income to average assets | 0.3463% | 5,730 |
Noninterest expense to average assets | 3.1809% | 3,364 |
Loan and lease loss provision to assets | 0.3773% | 4,064 |
Net operating income to assets | 0.7618% | 2,975 |
Return on assets (ROA) | 0.3439% | 4,721 |
Pretax return on assets | 0.3439% | 4,946 |
Return on Equity (ROE) | 4.1200% | 4,332 |
Retained earnings to average equity (ytd only) | 4.1200% | 2,974 |
Net charge-offs to loans | 0.4778% | 3,316 |
Credit loss provision to net charge-offs | 109.7222% | 4,635 |
Earnings coverage of net charge-offs (x) | 3.3124% | 3,582 |
Efficiency ratio | 73.6318% | 3,931 |
Assets per employee ($millions) | 3.0851% | 5,943 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0101% | 6,223 |
Loan loss allowance to noncurrent loans | 239.7661% | 1,238 |
Noncurrent assets plus other real estate owned to assets | 0.5527% | 6,076 |
Noncurrent loans to loans | 0.4213% | 6,492 |
Net loans and leases to total assets | 68.5501% | 3,838 |
Net loans and leases to deposits | 75.1585% | 5,188 |
Net loans and leases to core deposits | 86.9627% | 5,762 |
Total domestic deposits to total assets | 91.2073% | 341 |
Equity capital to assets | 8.4805% | 6,272 |
Core capital (leverage) ratio | 8.7983% | 4,979 |
Tier 1 risk-based capital ratio | 11.2199% | 5,722 |
Total risk-based capital ratio | 12.1319% | 6,035 |
Memoranda: | ||
Average total assets | $55,832,500 | 6,551 |
Average earning assets | $52,304,750 | 6,488 |
Average equity | $4,660,250 | 7,125 |
Average total loans | $40,184,500 | 6,148 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.9688% | 2,309 |
Cost of funding earning assets | 1.6937% | 5,300 |
Net interest margin | 4.2750% | 1,728 |
Noninterest income to average assets | 0.2696% | 6,342 |
Noninterest expense to average assets | 3.1728% | 3,420 |
Loan and lease loss provision to assets | 0.4189% | 3,442 |
Net operating income to assets | 0.6958% | 3,274 |
Return on assets (ROA) | 0.2586% | 5,153 |
Pretax return on assets | 0.2586% | 5,306 |
Return on Equity (ROE) | 3.1163% | 4,855 |
Retained earnings to average equity (ytd only) | 3.1163% | 3,580 |
Net charge-offs to loans | 0.5044% | 2,815 |
Credit loss provision to net charge-offs | 113.8614% | 4,073 |
Earnings coverage of net charge-offs (x) | 3.0297% | 3,601 |
Efficiency ratio | 74.0017% | 4,029 |
Assets per employee ($millions) | 2.9291% | 6,315 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0091% | 6,168 |
Loan loss allowance to noncurrent loans | 206.0302% | 1,480 |
Noncurrent assets plus other real estate owned to assets | 0.6936% | 5,676 |
Noncurrent loans to loans | 0.4898% | 6,298 |
Net loans and leases to total assets | 72.2687% | 3,143 |
Net loans and leases to deposits | 79.4261% | 4,634 |
Net loans and leases to core deposits | 92.0343% | 5,346 |
Total domestic deposits to total assets | 90.9886% | 453 |
Equity capital to assets | 8.4489% | 6,122 |
Core capital (leverage) ratio | 8.9842% | 4,660 |
Tier 1 risk-based capital ratio | 11.0868% | 5,790 |
Total risk-based capital ratio | 12.0009% | 6,071 |
Memoranda: | ||
Average total assets | $54,904,330 | 6,641 |
Average earning assets | $51,602,000 | 6,575 |
Average equity | $4,556,670 | 7,223 |
Average total loans | $40,048,670 | 6,205 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.1163% | 1,887 |
Cost of funding earning assets | 1.7622% | 5,305 |
Net interest margin | 4.3541% | 1,457 |
Noninterest income to average assets | 0.2641% | 6,337 |
Noninterest expense to average assets | 3.3156% | 2,611 |
Loan and lease loss provision to assets | 0.1247% | 5,362 |
Net operating income to assets | 0.8656% | 2,856 |
Return on assets (ROA) | 0.4034% | 5,026 |
Pretax return on assets | 0.4034% | 5,388 |
Return on Equity (ROE) | 4.9063% | 4,512 |
Retained earnings to average equity (ytd only) | 4.9063% | 3,185 |
Net charge-offs to loans | 0.1710% | 3,605 |
Credit loss provision to net charge-offs | 100.0000% | 3,714 |
Earnings coverage of net charge-offs (x) | 7.9412% | 2,271 |
Efficiency ratio | 77.0017% | 3,328 |
Assets per employee ($millions) | 2.8448% | 6,540 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9801% | 6,309 |
Loan loss allowance to noncurrent loans | 171.4286% | 1,901 |
Noncurrent assets plus other real estate owned to assets | 0.7733% | 5,236 |
Noncurrent loans to loans | 0.5717% | 5,981 |
Net loans and leases to total assets | 74.0176% | 2,750 |
Net loans and leases to deposits | 81.1538% | 4,429 |
Net loans and leases to core deposits | 94.1520% | 5,137 |
Total domestic deposits to total assets | 91.2066% | 348 |
Equity capital to assets | 8.3605% | 6,299 |
Core capital (leverage) ratio | 9.0612% | 4,608 |
Tier 1 risk-based capital ratio | 11.7400% | 5,177 |
Total risk-based capital ratio | 12.6783% | 5,376 |
Memoranda: | ||
Average total assets | $54,530,500 | 6,689 |
Average earning assets | $50,619,000 | 6,632 |
Average equity | $4,484,000 | 7,292 |
Average total loans | $39,758,500 | 6,248 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.3391% | 3,735 |
Cost of funding earning assets | 2.1878% | 5,655 |
Net interest margin | 4.1513% | 2,492 |
Noninterest income to average assets | 0.3568% | 5,871 |
Noninterest expense to average assets | 3.2464% | 3,163 |
Loan and lease loss provision to assets | 0.6075% | 2,394 |
Net operating income to assets | 0.3989% | 5,154 |
Return on assets (ROA) | 0.2910% | 5,383 |
Pretax return on assets | 0.2910% | 5,527 |
Return on Equity (ROE) | 3.4069% | 5,081 |
Retained earnings to average equity (ytd only) | -0.0643% | 5,280 |
Net charge-offs to loans | 0.8467% | 1,485 |
Credit loss provision to net charge-offs | 102.1538% | 5,211 |
Earnings coverage of net charge-offs (x) | 1.6923% | 5,233 |
Efficiency ratio | 76.3339% | 3,180 |
Assets per employee ($millions) | 2.8952% | 6,324 |
Cash dividends to net income (ytd only)* | 101.8868% | 939 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0125% | 5,907 |
Loan loss allowance to noncurrent loans | 600.0000% | 751 |
Noncurrent assets plus other real estate owned to assets | 1.1834% | 3,888 |
Noncurrent loans to loans | 0.1687% | 6,886 |
Net loans and leases to total assets | 70.3830% | 3,931 |
Net loans and leases to deposits | 77.2224% | 5,443 |
Net loans and leases to core deposits | 89.0517% | 5,887 |
Total domestic deposits to total assets | 91.1433% | 286 |
Equity capital to assets | 8.0878% | 6,717 |
Core capital (leverage) ratio | 8.9920% | 4,752 |
Tier 1 risk-based capital ratio | 11.4649% | 5,269 |
Total risk-based capital ratio | 12.3938% | 5,484 |
Memoranda: | ||
Average total assets | $54,645,800 | 6,596 |
Average earning assets | $51,284,600 | 6,536 |
Average equity | $4,667,000 | 7,268 |
Average total loans | $38,383,200 | 6,251 |