Home > MidSouth Bank > Performance and Condition Ratios
MidSouth Bank, Performance and Condition Ratios
2014-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1634% | 3,088 |
Cost of funding earning assets | 0.3082% | 4,894 |
Net interest margin | 3.8552% | 2,361 |
Noninterest income to average assets | 1.5788% | 503 |
Noninterest expense to average assets | 5.5930% | 221 |
Loan and lease loss provision to assets | 0.2523% | 862 |
Net operating income to assets | -0.6503% | 6,475 |
Return on assets (ROA) | -0.5530% | 6,451 |
Pretax return on assets | -0.5530% | 6,437 |
Return on Equity (ROE) | -5.4188% | 6,438 |
Retained earnings to average equity (ytd only) | -5.4188% | 6,260 |
Net charge-offs to loans | -0.1605% | 6,287 |
Credit loss provision to net charge-offs | -238.0952% | 5,425 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 107.6603% | 262 |
Assets per employee ($millions) | 2.9591% | 5,808 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6583% | 2,262 |
Loan loss allowance to noncurrent loans | 123.3071% | 3,138 |
Noncurrent assets plus other real estate owned to assets | 1.2355% | 2,627 |
Noncurrent loans to loans | 1.3448% | 2,560 |
Net loans and leases to total assets | 69.5340% | 2,150 |
Net loans and leases to deposits | 80.0107% | 2,514 |
Net loans and leases to core deposits | 87.4956% | 2,365 |
Total domestic deposits to total assets | 86.9058% | 2,507 |
Equity capital to assets | 10.1341% | 3,927 |
Core capital (leverage) ratio | 10.4420% | 3,025 |
Tier 1 risk-based capital ratio | 11.9266% | 5,580 |
Total risk-based capital ratio | 13.1784% | 5,506 |
Memoranda: | ||
Average total assets | $277,420,000 | 2,313 |
Average earning assets | $260,218,000 | 2,287 |
Average equity | $28,309,000 | 2,387 |
Average total loans | $183,141,330 | 2,195 |
2014-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1550% | 3,053 |
Cost of funding earning assets | 0.3145% | 4,925 |
Net interest margin | 3.8405% | 2,302 |
Noninterest income to average assets | 1.1815% | 798 |
Noninterest expense to average assets | 4.5998% | 411 |
Loan and lease loss provision to assets | 0.0000% | 3,817 |
Net operating income to assets | 0.1800% | 5,853 |
Return on assets (ROA) | 0.3571% | 5,347 |
Pretax return on assets | 0.3571% | 5,579 |
Return on Equity (ROE) | 3.4870% | 5,279 |
Retained earnings to average equity (ytd only) | 3.4870% | 4,042 |
Net charge-offs to loans | -0.0479% | 5,788 |
Credit loss provision to net charge-offs | 0.0000% | 2,688 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 96.2344% | 625 |
Assets per employee ($millions) | 2.8591% | 6,035 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5867% | 2,760 |
Loan loss allowance to noncurrent loans | 102.5828% | 3,550 |
Noncurrent assets plus other real estate owned to assets | 1.2930% | 2,705 |
Noncurrent loans to loans | 1.5468% | 2,491 |
Net loans and leases to total assets | 63.7226% | 2,949 |
Net loans and leases to deposits | 73.5145% | 3,129 |
Net loans and leases to core deposits | 80.8182% | 2,872 |
Total domestic deposits to total assets | 86.6803% | 3,004 |
Equity capital to assets | 10.4826% | 3,259 |
Core capital (leverage) ratio | 10.7132% | 2,687 |
Tier 1 risk-based capital ratio | 13.6676% | 4,562 |
Total risk-based capital ratio | 14.9184% | 4,515 |
Memoranda: | ||
Average total assets | $275,575,000 | 2,333 |
Average earning assets | $258,195,000 | 2,296 |
Average equity | $28,219,500 | 2,388 |
Average total loans | $175,330,500 | 2,281 |
2013-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0428% | 3,943 |
Cost of funding earning assets | 0.3768% | 4,872 |
Net interest margin | 3.6661% | 3,196 |
Noninterest income to average assets | 1.4666% | 651 |
Noninterest expense to average assets | 4.3170% | 618 |
Loan and lease loss provision to assets | 0.0000% | 5,091 |
Net operating income to assets | 0.5777% | 4,371 |
Return on assets (ROA) | 0.5785% | 4,478 |
Pretax return on assets | 0.5785% | 4,941 |
Return on Equity (ROE) | 5.3248% | 4,482 |
Retained earnings to average equity (ytd only) | 5.3248% | 2,397 |
Net charge-offs to loans | 0.1843% | 2,997 |
Credit loss provision to net charge-offs | 0.0000% | 4,707 |
Earnings coverage of net charge-offs (x) | 5.2153% | 3,354 |
Efficiency ratio | 88.1974% | 1,192 |
Assets per employee ($millions) | 3.2550% | 5,380 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6185% | 2,688 |
Loan loss allowance to noncurrent loans | 80.3156% | 4,169 |
Noncurrent assets plus other real estate owned to assets | 1.5487% | 2,406 |
Noncurrent loans to loans | 2.0152% | 1,975 |
Net loans and leases to total assets | 61.4943% | 3,442 |
Net loans and leases to deposits | 70.3046% | 3,744 |
Net loans and leases to core deposits | 77.3423% | 3,446 |
Total domestic deposits to total assets | 87.4684% | 2,487 |
Equity capital to assets | 9.9998% | 3,773 |
Core capital (leverage) ratio | 10.7291% | 2,647 |
Tier 1 risk-based capital ratio | 13.7704% | 4,462 |
Total risk-based capital ratio | 15.0216% | 4,408 |
Memoranda: | ||
Average total assets | $259,996,200 | 2,436 |
Average earning assets | $243,120,600 | 2,399 |
Average equity | $28,245,200 | 2,363 |
Average total loans | $156,291,600 | 2,470 |
2013-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0406% | 3,970 |
Cost of funding earning assets | 0.3886% | 4,912 |
Net interest margin | 3.6520% | 3,225 |
Noninterest income to average assets | 1.5500% | 613 |
Noninterest expense to average assets | 4.1882% | 694 |
Loan and lease loss provision to assets | 0.0000% | 4,941 |
Net operating income to assets | 0.7755% | 3,482 |
Return on assets (ROA) | 0.7724% | 3,624 |
Pretax return on assets | 0.7724% | 4,409 |
Return on Equity (ROE) | 6.9601% | 3,669 |
Retained earnings to average equity (ytd only) | 6.9601% | 1,893 |
Net charge-offs to loans | 0.1998% | 2,638 |
Credit loss provision to net charge-offs | 0.0000% | 4,342 |
Earnings coverage of net charge-offs (x) | 6.5264% | 2,957 |
Efficiency ratio | 84.3763% | 1,555 |
Assets per employee ($millions) | 3.1459% | 5,592 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8270% | 2,215 |
Loan loss allowance to noncurrent loans | 72.6441% | 4,317 |
Noncurrent assets plus other real estate owned to assets | 1.8142% | 2,254 |
Noncurrent loans to loans | 2.5150% | 1,718 |
Net loans and leases to total assets | 58.8569% | 3,876 |
Net loans and leases to deposits | 66.3780% | 4,260 |
Net loans and leases to core deposits | 73.1227% | 3,956 |
Total domestic deposits to total assets | 88.6694% | 1,738 |
Equity capital to assets | 10.7209% | 3,044 |
Core capital (leverage) ratio | 11.1011% | 2,381 |
Tier 1 risk-based capital ratio | 14.9466% | 3,785 |
Total risk-based capital ratio | 16.1992% | 3,731 |
Memoranda: | ||
Average total assets | $255,826,250 | 2,488 |
Average earning assets | $239,131,500 | 2,447 |
Average equity | $28,389,750 | 2,378 |
Average total loans | $152,129,750 | 2,541 |
2013-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9906% | 4,143 |
Cost of funding earning assets | 0.4015% | 4,927 |
Net interest margin | 3.5891% | 3,407 |
Noninterest income to average assets | 1.6429% | 598 |
Noninterest expense to average assets | 4.2375% | 665 |
Loan and lease loss provision to assets | 0.0000% | 4,788 |
Net operating income to assets | 0.7620% | 3,506 |
Return on assets (ROA) | 0.7620% | 3,658 |
Pretax return on assets | 0.7620% | 4,456 |
Return on Equity (ROE) | 6.7877% | 3,727 |
Retained earnings to average equity (ytd only) | 6.7877% | 1,990 |
Net charge-offs to loans | -0.2071% | 6,674 |
Credit loss provision to net charge-offs | 0.0000% | 4,003 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 84.7583% | 1,553 |
Assets per employee ($millions) | 3.1864% | 5,515 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0749% | 1,689 |
Loan loss allowance to noncurrent loans | 64.3708% | 4,612 |
Noncurrent assets plus other real estate owned to assets | 2.2619% | 1,917 |
Noncurrent loans to loans | 3.2234% | 1,363 |
Net loans and leases to total assets | 59.2999% | 3,777 |
Net loans and leases to deposits | 66.7439% | 4,180 |
Net loans and leases to core deposits | 74.0786% | 3,804 |
Total domestic deposits to total assets | 88.8470% | 1,711 |
Equity capital to assets | 10.7292% | 3,021 |
Core capital (leverage) ratio | 11.2408% | 2,141 |
Tier 1 risk-based capital ratio | 15.2561% | 3,623 |
Total risk-based capital ratio | 16.5123% | 3,577 |
Memoranda: | ||
Average total assets | $254,066,330 | 2,515 |
Average earning assets | $237,610,000 | 2,468 |
Average equity | $28,522,000 | 2,385 |
Average total loans | $150,660,000 | 2,564 |
2013-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0184% | 4,042 |
Cost of funding earning assets | 0.4273% | 4,840 |
Net interest margin | 3.5911% | 3,296 |
Noninterest income to average assets | 1.4902% | 698 |
Noninterest expense to average assets | 4.0786% | 808 |
Loan and lease loss provision to assets | 0.0000% | 4,409 |
Net operating income to assets | 0.7729% | 3,319 |
Return on assets (ROA) | 0.7729% | 3,455 |
Pretax return on assets | 0.7729% | 4,283 |
Return on Equity (ROE) | 6.7319% | 3,636 |
Retained earnings to average equity (ytd only) | 6.7319% | 2,297 |
Net charge-offs to loans | 0.1136% | 2,746 |
Credit loss provision to net charge-offs | 0.0000% | 3,239 |
Earnings coverage of net charge-offs (x) | 11.5952% | 1,655 |
Efficiency ratio | 84.0693% | 1,761 |
Assets per employee ($millions) | 3.1847% | 5,662 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0044% | 2,031 |
Loan loss allowance to noncurrent loans | 55.4322% | 4,916 |
Noncurrent assets plus other real estate owned to assets | 2.5020% | 1,845 |
Noncurrent loans to loans | 3.6160% | 1,314 |
Net loans and leases to total assets | 59.1900% | 3,574 |
Net loans and leases to deposits | 67.5360% | 3,829 |
Net loans and leases to core deposits | 75.0967% | 3,453 |
Total domestic deposits to total assets | 87.6420% | 2,545 |
Equity capital to assets | 11.6083% | 2,325 |
Core capital (leverage) ratio | 11.1175% | 2,163 |
Tier 1 risk-based capital ratio | 15.6230% | 3,464 |
Total risk-based capital ratio | 16.8788% | 3,425 |
Memoranda: | ||
Average total assets | $252,049,500 | 2,561 |
Average earning assets | $235,917,000 | 2,512 |
Average equity | $28,937,000 | 2,385 |
Average total loans | $147,842,000 | 2,616 |
2012-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2039% | 4,583 |
Cost of funding earning assets | 0.5405% | 4,899 |
Net interest margin | 3.6634% | 3,812 |
Noninterest income to average assets | 0.8850% | 1,914 |
Noninterest expense to average assets | 3.8652% | 1,143 |
Loan and lease loss provision to assets | -0.1939% | 6,976 |
Net operating income to assets | 0.6560% | 3,957 |
Return on assets (ROA) | 0.6606% | 4,196 |
Pretax return on assets | 0.6606% | 4,789 |
Return on Equity (ROE) | 5.7996% | 4,258 |
Retained earnings to average equity (ytd only) | 5.7996% | 2,199 |
Net charge-offs to loans | -0.1915% | 6,934 |
Credit loss provision to net charge-offs | 171.5328% | 1,536 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 89.3211% | 1,121 |
Assets per employee ($millions) | 3.1173% | 5,812 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1486% | 1,650 |
Loan loss allowance to noncurrent loans | 54.4333% | 4,908 |
Noncurrent assets plus other real estate owned to assets | 2.5635% | 1,896 |
Noncurrent loans to loans | 3.9473% | 1,201 |
Net loans and leases to total assets | 55.6946% | 4,345 |
Net loans and leases to deposits | 63.3596% | 4,622 |
Net loans and leases to core deposits | 70.8626% | 4,185 |
Total domestic deposits to total assets | 87.9024% | 2,293 |
Equity capital to assets | 11.3535% | 2,580 |
Core capital (leverage) ratio | 11.2152% | 2,078 |
Tier 1 risk-based capital ratio | 16.5064% | 2,887 |
Total risk-based capital ratio | 17.7639% | 2,859 |
Memoranda: | ||
Average total assets | $242,368,000 | 2,608 |
Average earning assets | $227,740,400 | 2,531 |
Average equity | $27,605,400 | 2,432 |
Average total loans | $143,091,800 | 2,681 |
2012-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2540% | 4,630 |
Cost of funding earning assets | 0.5653% | 4,956 |
Net interest margin | 3.6887% | 3,842 |
Noninterest income to average assets | 0.9979% | 1,505 |
Noninterest expense to average assets | 3.8109% | 1,193 |
Loan and lease loss provision to assets | 0.0000% | 5,790 |
Net operating income to assets | 0.6510% | 4,137 |
Return on assets (ROA) | 0.6743% | 4,297 |
Pretax return on assets | 0.6743% | 4,941 |
Return on Equity (ROE) | 5.9155% | 4,371 |
Retained earnings to average equity (ytd only) | 5.9155% | 2,753 |
Net charge-offs to loans | -0.0065% | 6,299 |
Credit loss provision to net charge-offs | 0.0000% | 5,158 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 85.4099% | 1,440 |
Assets per employee ($millions) | 3.0747% | 5,913 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.2756% | 1,570 |
Loan loss allowance to noncurrent loans | 50.7012% | 5,092 |
Noncurrent assets plus other real estate owned to assets | 3.2945% | 1,550 |
Noncurrent loans to loans | 4.4882% | 1,050 |
Net loans and leases to total assets | 58.9139% | 3,972 |
Net loans and leases to deposits | 67.4649% | 4,262 |
Net loans and leases to core deposits | 76.8196% | 3,625 |
Total domestic deposits to total assets | 87.3252% | 2,483 |
Equity capital to assets | 11.6907% | 2,543 |
Core capital (leverage) ratio | 11.1826% | 2,223 |
Tier 1 risk-based capital ratio | 16.4328% | 3,039 |
Total risk-based capital ratio | 17.6919% | 3,000 |
Memoranda: | ||
Average total assets | $239,834,000 | 2,654 |
Average earning assets | $225,225,000 | 2,585 |
Average equity | $27,339,750 | 2,476 |
Average total loans | $142,935,000 | 2,714 |
2012-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1985% | 4,960 |
Cost of funding earning assets | 0.5843% | 5,031 |
Net interest margin | 3.6142% | 4,201 |
Noninterest income to average assets | 0.9273% | 1,681 |
Noninterest expense to average assets | 3.6792% | 1,414 |
Loan and lease loss provision to assets | 0.0000% | 5,619 |
Net operating income to assets | 0.6421% | 4,150 |
Return on assets (ROA) | 0.6421% | 4,403 |
Pretax return on assets | 0.6421% | 4,989 |
Return on Equity (ROE) | 5.6811% | 4,487 |
Retained earnings to average equity (ytd only) | 5.6811% | 2,887 |
Net charge-offs to loans | 0.0211% | 5,111 |
Credit loss provision to net charge-offs | 0.0000% | 4,809 |
Earnings coverage of net charge-offs (x) | 51.3333% | 713 |
Efficiency ratio | 85.1409% | 1,519 |
Assets per employee ($millions) | 3.2801% | 5,491 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.2834% | 1,620 |
Loan loss allowance to noncurrent loans | 45.7063% | 5,346 |
Noncurrent assets plus other real estate owned to assets | 3.5917% | 1,469 |
Noncurrent loans to loans | 4.9958% | 992 |
Net loans and leases to total assets | 57.6172% | 4,232 |
Net loans and leases to deposits | 65.5299% | 4,569 |
Net loans and leases to core deposits | 73.9586% | 4,039 |
Total domestic deposits to total assets | 87.9251% | 2,188 |
Equity capital to assets | 11.3502% | 2,737 |
Core capital (leverage) ratio | 11.1094% | 2,196 |
Tier 1 risk-based capital ratio | 16.5235% | 2,904 |
Total risk-based capital ratio | 17.7834% | 2,858 |
Memoranda: | ||
Average total assets | $239,837,670 | 2,659 |
Average earning assets | $225,225,670 | 2,582 |
Average equity | $27,107,330 | 2,472 |
Average total loans | $142,387,000 | 2,735 |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1827% | 5,170 |
Cost of funding earning assets | 0.6077% | 5,068 |
Net interest margin | 3.5750% | 4,374 |
Noninterest income to average assets | 0.9312% | 1,625 |
Noninterest expense to average assets | 3.6561% | 1,457 |
Loan and lease loss provision to assets | 0.0000% | 5,254 |
Net operating income to assets | 0.6309% | 4,216 |
Return on assets (ROA) | 0.6309% | 4,425 |
Pretax return on assets | 0.6309% | 5,009 |
Return on Equity (ROE) | 5.5940% | 4,504 |
Retained earnings to average equity (ytd only) | 5.5940% | 3,209 |
Net charge-offs to loans | 0.2873% | 2,523 |
Credit loss provision to net charge-offs | 0.0000% | 3,998 |
Earnings coverage of net charge-offs (x) | 3.6863% | 2,780 |
Efficiency ratio | 85.2838% | 1,550 |
Assets per employee ($millions) | 3.3073% | 5,553 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.2353% | 1,814 |
Loan loss allowance to noncurrent loans | 43.8275% | 5,416 |
Noncurrent assets plus other real estate owned to assets | 3.7115% | 1,526 |
Noncurrent loans to loans | 5.1002% | 1,091 |
Net loans and leases to total assets | 58.4256% | 3,966 |
Net loans and leases to deposits | 67.2136% | 4,190 |
Net loans and leases to core deposits | 76.2861% | 3,586 |
Total domestic deposits to total assets | 86.9254% | 2,995 |
Equity capital to assets | 11.3722% | 2,556 |
Core capital (leverage) ratio | 11.3367% | 2,009 |
Tier 1 risk-based capital ratio | 16.5955% | 2,868 |
Total risk-based capital ratio | 17.8611% | 2,818 |
Memoranda: | ||
Average total assets | $238,393,500 | 2,688 |
Average earning assets | $223,776,500 | 2,618 |
Average equity | $26,886,000 | 2,484 |
Average total loans | $142,020,500 | 2,754 |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6629% | 4,409 |
Cost of funding earning assets | 0.7586% | 5,149 |
Net interest margin | 3.9043% | 3,321 |
Noninterest income to average assets | 0.6969% | 2,623 |
Noninterest expense to average assets | 3.7740% | 1,395 |
Loan and lease loss provision to assets | 0.1729% | 4,468 |
Net operating income to assets | 0.3969% | 4,880 |
Return on assets (ROA) | 0.4591% | 4,807 |
Pretax return on assets | 0.4613% | 5,098 |
Return on Equity (ROE) | 4.1790% | 4,762 |
Retained earnings to average equity (ytd only) | 4.1790% | 3,203 |
Net charge-offs to loans | 1.0589% | 1,634 |
Credit loss provision to net charge-offs | 25.5754% | 5,845 |
Earnings coverage of net charge-offs (x) | 0.8459% | 5,165 |
Efficiency ratio | 86.8397% | 1,459 |
Assets per employee ($millions) | 3.2693% | 5,582 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.3163% | 1,598 |
Loan loss allowance to noncurrent loans | 41.3164% | 5,525 |
Noncurrent assets plus other real estate owned to assets | 3.9072% | 1,470 |
Noncurrent loans to loans | 5.6063% | 938 |
Net loans and leases to total assets | 58.0113% | 4,364 |
Net loans and leases to deposits | 67.6546% | 4,491 |
Net loans and leases to core deposits | 77.7854% | 3,705 |
Total domestic deposits to total assets | 85.7464% | 3,462 |
Equity capital to assets | 11.1840% | 2,814 |
Core capital (leverage) ratio | 11.1506% | 2,155 |
Tier 1 risk-based capital ratio | 16.0424% | 3,022 |
Total risk-based capital ratio | 17.3083% | 2,972 |
Memoranda: | ||
Average total assets | $231,320,600 | 2,708 |
Average earning assets | $216,198,000 | 2,657 |
Average equity | $25,413,000 | 2,536 |
Average total loans | $147,702,200 | 2,677 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7872% | 4,078 |
Cost of funding earning assets | 0.7967% | 5,173 |
Net interest margin | 3.9904% | 2,951 |
Noninterest income to average assets | 0.7791% | 2,145 |
Noninterest expense to average assets | 3.8688% | 1,201 |
Loan and lease loss provision to assets | 0.1743% | 4,291 |
Net operating income to assets | 0.4607% | 4,722 |
Return on assets (ROA) | 0.5444% | 4,529 |
Pretax return on assets | 0.5444% | 4,997 |
Return on Equity (ROE) | 4.9786% | 4,543 |
Retained earnings to average equity (ytd only) | 4.9786% | 3,184 |
Net charge-offs to loans | 1.0367% | 1,540 |
Credit loss provision to net charge-offs | 25.8621% | 5,477 |
Earnings coverage of net charge-offs (x) | 0.9422% | 4,914 |
Efficiency ratio | 85.9004% | 1,542 |
Assets per employee ($millions) | 3.1465% | 5,792 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.5138% | 1,377 |
Loan loss allowance to noncurrent loans | 44.0988% | 5,385 |
Noncurrent assets plus other real estate owned to assets | 4.1240% | 1,487 |
Noncurrent loans to loans | 5.7003% | 1,009 |
Net loans and leases to total assets | 61.4023% | 3,873 |
Net loans and leases to deposits | 71.3168% | 4,094 |
Net loans and leases to core deposits | 82.1286% | 3,309 |
Total domestic deposits to total assets | 86.0980% | 3,171 |
Equity capital to assets | 11.6561% | 2,536 |
Core capital (leverage) ratio | 11.4656% | 2,049 |
Tier 1 risk-based capital ratio | 16.5014% | 2,866 |
Total risk-based capital ratio | 17.7707% | 2,820 |
Memoranda: | ||
Average total assets | $229,485,250 | 2,737 |
Average earning assets | $214,206,500 | 2,693 |
Average equity | $25,093,250 | 2,565 |
Average total loans | $149,194,250 | 2,673 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8199% | 4,008 |
Cost of funding earning assets | 0.8298% | 5,193 |
Net interest margin | 3.9900% | 2,887 |
Noninterest income to average assets | 0.7238% | 2,412 |
Noninterest expense to average assets | 3.8687% | 1,245 |
Loan and lease loss provision to assets | 0.2603% | 3,320 |
Net operating income to assets | 0.3168% | 5,300 |
Return on assets (ROA) | 0.3168% | 5,438 |
Pretax return on assets | 0.3168% | 5,632 |
Return on Equity (ROE) | 2.9608% | 5,405 |
Retained earnings to average equity (ytd only) | 2.9608% | 4,394 |
Net charge-offs to loans | 0.4730% | 2,683 |
Credit loss provision to net charge-offs | 83.7989% | 3,652 |
Earnings coverage of net charge-offs (x) | 1.8575% | 3,941 |
Efficiency ratio | 87.0193% | 1,510 |
Assets per employee ($millions) | 3.1443% | 5,767 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.0279% | 872 |
Loan loss allowance to noncurrent loans | 46.9663% | 5,199 |
Noncurrent assets plus other real estate owned to assets | 4.6579% | 1,341 |
Noncurrent loans to loans | 6.4470% | 869 |
Net loans and leases to total assets | 62.0891% | 3,871 |
Net loans and leases to deposits | 72.0153% | 4,113 |
Net loans and leases to core deposits | 83.9979% | 3,210 |
Total domestic deposits to total assets | 86.2166% | 3,207 |
Equity capital to assets | 11.4741% | 2,522 |
Core capital (leverage) ratio | 10.9946% | 2,255 |
Tier 1 risk-based capital ratio | 16.0034% | 2,975 |
Total risk-based capital ratio | 17.2722% | 2,931 |
Memoranda: | ||
Average total assets | $230,463,670 | 2,749 |
Average earning assets | $214,985,670 | 2,702 |
Average equity | $24,655,330 | 2,590 |
Average total loans | $151,361,000 | 2,666 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8063% | 4,029 |
Cost of funding earning assets | 0.8678% | 5,154 |
Net interest margin | 3.9385% | 2,962 |
Noninterest income to average assets | 0.8430% | 1,878 |
Noninterest expense to average assets | 3.8555% | 1,238 |
Loan and lease loss provision to assets | 0.5161% | 1,684 |
Net operating income to assets | 0.1411% | 5,969 |
Return on assets (ROA) | 0.1411% | 6,026 |
Pretax return on assets | 0.1411% | 6,073 |
Return on Equity (ROE) | 1.3670% | 6,031 |
Retained earnings to average equity (ytd only) | 1.3670% | 5,281 |
Net charge-offs to loans | 0.4943% | 2,239 |
Credit loss provision to net charge-offs | 157.0681% | 1,831 |
Earnings coverage of net charge-offs (x) | 2.0000% | 3,306 |
Efficiency ratio | 85.4365% | 1,782 |
Assets per employee ($millions) | 3.1218% | 5,897 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.0384% | 883 |
Loan loss allowance to noncurrent loans | 42.9042% | 5,442 |
Noncurrent assets plus other real estate owned to assets | 5.3109% | 1,157 |
Noncurrent loans to loans | 7.0819% | 770 |
Net loans and leases to total assets | 62.9350% | 3,678 |
Net loans and leases to deposits | 72.5445% | 3,981 |
Net loans and leases to core deposits | 84.9122% | 3,045 |
Total domestic deposits to total assets | 86.7537% | 3,088 |
Equity capital to assets | 10.6430% | 3,047 |
Core capital (leverage) ratio | 10.5880% | 2,519 |
Tier 1 risk-based capital ratio | 14.9226% | 3,463 |
Total risk-based capital ratio | 16.1913% | 3,418 |
Memoranda: | ||
Average total assets | $232,501,000 | 2,754 |
Average earning assets | $216,631,000 | 2,705 |
Average equity | $23,995,000 | 2,641 |
Average total loans | $154,565,500 | 2,635 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0427% | 4,354 |
Cost of funding earning assets | 1.1966% | 4,582 |
Net interest margin | 3.8461% | 3,751 |
Noninterest income to average assets | 0.7876% | 2,339 |
Noninterest expense to average assets | 3.8207% | 1,449 |
Loan and lease loss provision to assets | 0.4638% | 3,346 |
Net operating income to assets | 0.0821% | 5,634 |
Return on assets (ROA) | 0.2918% | 5,125 |
Pretax return on assets | 0.2918% | 5,251 |
Return on Equity (ROE) | 3.1550% | 4,891 |
Retained earnings to average equity (ytd only) | 3.1550% | 3,656 |
Net charge-offs to loans | 2.6620% | 685 |
Credit loss provision to net charge-offs | 23.7245% | 6,531 |
Earnings coverage of net charge-offs (x) | 0.2792% | 5,826 |
Efficiency ratio | 87.4988% | 1,519 |
Assets per employee ($millions) | 3.2956% | 5,440 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.7936% | 1,066 |
Loan loss allowance to noncurrent loans | 44.9237% | 5,326 |
Noncurrent assets plus other real estate owned to assets | 5.1708% | 1,224 |
Noncurrent loans to loans | 6.2186% | 990 |
Net loans and leases to total assets | 66.1313% | 3,443 |
Net loans and leases to deposits | 75.4926% | 3,920 |
Net loans and leases to core deposits | 90.8247% | 2,644 |
Total domestic deposits to total assets | 87.5997% | 2,482 |
Equity capital to assets | 10.0019% | 3,740 |
Core capital (leverage) ratio | 9.8059% | 3,307 |
Tier 1 risk-based capital ratio | 13.3761% | 4,312 |
Total risk-based capital ratio | 14.6416% | 4,253 |
Memoranda: | ||
Average total assets | $243,648,400 | 2,604 |
Average earning assets | $226,726,000 | 2,555 |
Average equity | $22,535,800 | 2,818 |
Average total loans | $178,922,800 | 2,369 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0616% | 4,533 |
Cost of funding earning assets | 1.2693% | 4,443 |
Net interest margin | 3.7922% | 3,997 |
Noninterest income to average assets | 0.7201% | 2,705 |
Noninterest expense to average assets | 3.7583% | 1,460 |
Loan and lease loss provision to assets | 0.4335% | 3,313 |
Net operating income to assets | 0.0574% | 5,869 |
Return on assets (ROA) | 0.3343% | 5,202 |
Pretax return on assets | 0.3343% | 5,415 |
Return on Equity (ROE) | 3.6859% | 4,922 |
Retained earnings to average equity (ytd only) | 3.6859% | 3,867 |
Net charge-offs to loans | 2.8108% | 580 |
Credit loss provision to net charge-offs | 20.6398% | 6,244 |
Earnings coverage of net charge-offs (x) | 0.2337% | 5,776 |
Efficiency ratio | 88.4468% | 1,416 |
Assets per employee ($millions) | 3.3871% | 5,234 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.9627% | 849 |
Loan loss allowance to noncurrent loans | 41.0987% | 5,554 |
Noncurrent assets plus other real estate owned to assets | 5.8648% | 1,030 |
Noncurrent loans to loans | 7.2088% | 759 |
Net loans and leases to total assets | 68.1652% | 3,171 |
Net loans and leases to deposits | 76.9181% | 4,021 |
Net loans and leases to core deposits | 92.6267% | 2,707 |
Total domestic deposits to total assets | 88.6205% | 1,611 |
Equity capital to assets | 9.9757% | 4,184 |
Core capital (leverage) ratio | 9.5708% | 3,804 |
Tier 1 risk-based capital ratio | 12.6695% | 4,843 |
Total risk-based capital ratio | 13.9308% | 4,816 |
Memoranda: | ||
Average total assets | $246,064,000 | 2,617 |
Average earning assets | $228,988,000 | 2,575 |
Average equity | $22,319,000 | 2,888 |
Average total loans | $183,857,250 | 2,343 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1209% | 4,342 |
Cost of funding earning assets | 1.3355% | 4,295 |
Net interest margin | 3.7854% | 3,957 |
Noninterest income to average assets | 0.6558% | 2,977 |
Noninterest expense to average assets | 3.6802% | 1,595 |
Loan and lease loss provision to assets | 0.4033% | 3,302 |
Net operating income to assets | 0.0936% | 5,879 |
Return on assets (ROA) | 0.4469% | 4,713 |
Pretax return on assets | 0.4469% | 5,071 |
Return on Equity (ROE) | 5.0914% | 4,245 |
Retained earnings to average equity (ytd only) | 5.0914% | 2,852 |
Net charge-offs to loans | 1.4701% | 1,298 |
Credit loss provision to net charge-offs | 36.0231% | 5,659 |
Earnings coverage of net charge-offs (x) | 0.4438% | 5,275 |
Efficiency ratio | 88.1035% | 1,500 |
Assets per employee ($millions) | 3.3795% | 5,242 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.9987% | 382 |
Loan loss allowance to noncurrent loans | 54.0996% | 4,699 |
Noncurrent assets plus other real estate owned to assets | 6.1018% | 954 |
Noncurrent loans to loans | 7.3914% | 732 |
Net loans and leases to total assets | 70.9616% | 2,668 |
Net loans and leases to deposits | 80.3887% | 3,538 |
Net loans and leases to core deposits | 101.2846% | 1,895 |
Total domestic deposits to total assets | 88.2732% | 1,840 |
Equity capital to assets | 9.6658% | 4,441 |
Core capital (leverage) ratio | 9.5365% | 3,765 |
Tier 1 risk-based capital ratio | 12.0761% | 5,248 |
Total risk-based capital ratio | 13.3567% | 5,188 |
Memoranda: | ||
Average total assets | $247,923,670 | 2,621 |
Average earning assets | $230,625,000 | 2,578 |
Average equity | $21,762,000 | 2,943 |
Average total loans | $188,832,330 | 2,322 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1004% | 4,522 |
Cost of funding earning assets | 1.4093% | 4,120 |
Net interest margin | 3.6911% | 4,290 |
Noninterest income to average assets | 0.7305% | 2,404 |
Noninterest expense to average assets | 3.5728% | 1,798 |
Loan and lease loss provision to assets | 0.4796% | 2,586 |
Net operating income to assets | 0.1071% | 6,004 |
Return on assets (ROA) | 0.5755% | 4,147 |
Pretax return on assets | 0.5755% | 4,697 |
Return on Equity (ROE) | 6.8954% | 3,399 |
Retained earnings to average equity (ytd only) | 6.8954% | 2,180 |
Net charge-offs to loans | 1.0987% | 1,529 |
Credit loss provision to net charge-offs | 56.4972% | 4,376 |
Earnings coverage of net charge-offs (x) | 0.6911% | 4,414 |
Efficiency ratio | 85.8955% | 1,806 |
Assets per employee ($millions) | 3.5758% | 4,879 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
Condition Ratios (%) | ||
Loss allowance to loans | 4.1336% | 332 |
Loan loss allowance to noncurrent loans | 62.9683% | 4,229 |
Noncurrent assets plus other real estate owned to assets | 5.7558% | 1,059 |
Noncurrent loans to loans | 6.5646% | 946 |
Net loans and leases to total assets | 72.7252% | 2,280 |
Net loans and leases to deposits | 81.4386% | 3,374 |
Net loans and leases to core deposits | 102.9115% | 1,828 |
Total domestic deposits to total assets | 89.3006% | 1,366 |
Equity capital to assets | 8.7558% | 5,637 |
Core capital (leverage) ratio | 8.9612% | 4,633 |
Tier 1 risk-based capital ratio | 10.6113% | 6,527 |
Total risk-based capital ratio | 11.8921% | 6,488 |
Memoranda: | ||
Average total assets | $250,224,000 | 2,650 |
Average earning assets | $232,452,500 | 2,618 |
Average equity | $20,883,500 | 3,077 |
Average total loans | $193,319,500 | 2,340 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.4353% | 4,513 |
Cost of funding earning assets | 1.6554% | 4,761 |
Net interest margin | 3.7799% | 3,797 |
Noninterest income to average assets | 0.6911% | 3,035 |
Noninterest expense to average assets | 3.9576% | 1,422 |
Loan and lease loss provision to assets | 4.6025% | 250 |
Net operating income to assets | -4.3414% | 7,660 |
Return on assets (ROA) | -3.9488% | 7,597 |
Pretax return on assets | -3.9488% | 7,515 |
Return on Equity (ROE) | -42.2355% | 7,604 |
Retained earnings to average equity (ytd only) | -42.2355% | 7,591 |
Net charge-offs to loans | 4.4627% | 331 |
Credit loss provision to net charge-offs | 123.8570% | 4,248 |
Earnings coverage of net charge-offs (x) | 0.0702% | 6,093 |
Efficiency ratio | 93.8129% | 1,427 |
Assets per employee ($millions) | 3.5232% | 4,957 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
Condition Ratios (%) | ||
Loss allowance to loans | 4.1066% | 333 |
Loan loss allowance to noncurrent loans | 59.1985% | 4,439 |
Noncurrent assets plus other real estate owned to assets | 6.3128% | 875 |
Noncurrent loans to loans | 6.9370% | 815 |
Net loans and leases to total assets | 75.4270% | 1,941 |
Net loans and leases to deposits | 83.6690% | 3,338 |
Net loans and leases to core deposits | 121.6723% | 1,810 |
Total domestic deposits to total assets | 90.1493% | 896 |
Equity capital to assets | 7.9358% | 6,640 |
Core capital (leverage) ratio | 7.9198% | 6,304 |
Tier 1 risk-based capital ratio | 9.1127% | 7,419 |
Total risk-based capital ratio | 10.3930% | 7,417 |
Memoranda: | ||
Average total assets | $258,992,400 | 2,524 |
Average earning assets | $241,700,000 | 2,485 |
Average equity | $24,214,200 | 2,693 |
Average total loans | $215,654,000 | 2,144 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.4986% | 4,429 |
Cost of funding earning assets | 1.6922% | 4,942 |
Net interest margin | 3.8064% | 3,631 |
Noninterest income to average assets | 0.6942% | 3,053 |
Noninterest expense to average assets | 3.8273% | 1,546 |
Loan and lease loss provision to assets | 4.9539% | 176 |
Net operating income to assets | -4.5276% | 7,797 |
Return on assets (ROA) | -4.0085% | 7,757 |
Pretax return on assets | -4.0085% | 7,690 |
Return on Equity (ROE) | -41.3768% | 7,765 |
Retained earnings to average equity (ytd only) | -41.3768% | 7,762 |
Net charge-offs to loans | 3.3959% | 448 |
Credit loss provision to net charge-offs | 172.9022% | 2,682 |
Earnings coverage of net charge-offs (x) | 0.1488% | 5,885 |
Efficiency ratio | 89.9796% | 1,691 |
Assets per employee ($millions) | 3.6198% | 4,634 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
Condition Ratios (%) | ||
Loss allowance to loans | 4.6608% | 181 |
Loan loss allowance to noncurrent loans | 61.0308% | 4,300 |
Noncurrent assets plus other real estate owned to assets | 7.1046% | 672 |
Noncurrent loans to loans | 7.6368% | 665 |
Net loans and leases to total assets | 82.0718% | 799 |
Net loans and leases to deposits | 91.1766% | 2,367 |
Net loans and leases to core deposits | 135.0864% | 1,147 |
Total domestic deposits to total assets | 90.0142% | 761 |
Equity capital to assets | 8.2365% | 6,588 |
Core capital (leverage) ratio | 7.7768% | 6,634 |
Tier 1 risk-based capital ratio | 8.7595% | 7,691 |
Total risk-based capital ratio | 10.0470% | 7,712 |
Memoranda: | ||
Average total assets | $261,204,500 | 2,520 |
Average earning assets | $244,251,500 | 2,473 |
Average equity | $25,305,000 | 2,600 |
Average total loans | $220,378,500 | 2,122 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.4902% | 4,690 |
Cost of funding earning assets | 1.7206% | 5,172 |
Net interest margin | 3.7695% | 3,679 |
Noninterest income to average assets | 0.7129% | 2,909 |
Noninterest expense to average assets | 3.7405% | 1,760 |
Loan and lease loss provision to assets | 2.4641% | 640 |
Net operating income to assets | -1.9713% | 7,422 |
Return on assets (ROA) | -1.4589% | 7,230 |
Pretax return on assets | -1.4589% | 7,070 |
Return on Equity (ROE) | -14.3948% | 7,308 |
Retained earnings to average equity (ytd only) | -14.3948% | 7,209 |
Net charge-offs to loans | 3.1567% | 515 |
Credit loss provision to net charge-offs | 93.1025% | 4,833 |
Earnings coverage of net charge-offs (x) | 0.1862% | 5,483 |
Efficiency ratio | 88.3585% | 1,965 |
Assets per employee ($millions) | 3.2680% | 5,405 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.4986% | 899 |
Loan loss allowance to noncurrent loans | 110.3565% | 2,661 |
Noncurrent assets plus other real estate owned to assets | 2.3550% | 2,758 |
Noncurrent loans to loans | 2.2641% | 3,171 |
Net loans and leases to total assets | 82.7052% | 825 |
Net loans and leases to deposits | 94.4041% | 2,027 |
Net loans and leases to core deposits | 129.7593% | 1,589 |
Total domestic deposits to total assets | 87.6076% | 1,966 |
Equity capital to assets | 10.0217% | 3,911 |
Core capital (leverage) ratio | 9.8096% | 3,508 |
Tier 1 risk-based capital ratio | 10.7856% | 6,101 |
Total risk-based capital ratio | 12.0484% | 6,020 |
Memoranda: | ||
Average total assets | $266,223,000 | 2,475 |
Average earning assets | $248,627,000 | 2,451 |
Average equity | $26,982,000 | 2,480 |
Average total loans | $223,206,330 | 2,133 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.5270% | 4,773 |
Cost of funding earning assets | 1.8039% | 5,097 |
Net interest margin | 3.7231% | 3,788 |
Noninterest income to average assets | 0.6939% | 2,927 |
Noninterest expense to average assets | 3.7973% | 1,477 |
Loan and lease loss provision to assets | 3.9760% | 240 |
Net operating income to assets | -3.6186% | 7,937 |
Return on assets (ROA) | -3.6186% | 7,929 |
Pretax return on assets | -3.6186% | 7,858 |
Return on Equity (ROE) | -35.5101% | 7,949 |
Retained earnings to average equity (ytd only) | -35.5101% | 7,919 |
Net charge-offs to loans | 1.7631% | 823 |
Credit loss provision to net charge-offs | 270.5167% | 1,761 |
Earnings coverage of net charge-offs (x) | 0.2432% | 4,786 |
Efficiency ratio | 91.3978% | 1,626 |
Assets per employee ($millions) | 3.3720% | 5,148 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.3225% | 371 |
Loan loss allowance to noncurrent loans | 159.0415% | 2,036 |
Noncurrent assets plus other real estate owned to assets | 2.2933% | 2,505 |
Noncurrent loans to loans | 2.0891% | 3,135 |
Net loans and leases to total assets | 81.5634% | 1,087 |
Net loans and leases to deposits | 98.2705% | 1,624 |
Net loans and leases to core deposits | 129.6860% | 1,681 |
Total domestic deposits to total assets | 82.9989% | 4,150 |
Equity capital to assets | 9.9918% | 4,014 |
Core capital (leverage) ratio | 9.4285% | 4,071 |
Tier 1 risk-based capital ratio | 10.3420% | 6,556 |
Total risk-based capital ratio | 11.6142% | 6,445 |
Memoranda: | ||
Average total assets | $268,613,000 | 2,478 |
Average earning assets | $249,683,500 | 2,451 |
Average equity | $27,372,500 | 2,465 |
Average total loans | $223,925,500 | 2,148 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.1248% | 4,920 |
Cost of funding earning assets | 2.4515% | 4,466 |
Net interest margin | 3.6734% | 4,588 |
Noninterest income to average assets | 0.7792% | 2,625 |
Noninterest expense to average assets | 3.8386% | 1,681 |
Loan and lease loss provision to assets | 1.7586% | 724 |
Net operating income to assets | -1.4450% | 7,444 |
Return on assets (ROA) | -1.4450% | 7,388 |
Pretax return on assets | -1.4450% | 7,230 |
Return on Equity (ROE) | -12.3164% | 7,447 |
Retained earnings to average equity (ytd only) | -12.3164% | 7,271 |
Net charge-offs to loans | 0.3690% | 2,996 |
Credit loss provision to net charge-offs | 592.3885% | 734 |
Earnings coverage of net charge-offs (x) | 1.0564% | 5,601 |
Efficiency ratio | 92.4470% | 1,358 |
Assets per employee ($millions) | 3.1863% | 5,521 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.5925% | 615 |
Loan loss allowance to noncurrent loans | 247.3909% | 1,601 |
Noncurrent assets plus other real estate owned to assets | 1.4123% | 3,376 |
Noncurrent loans to loans | 1.0479% | 4,479 |
Net loans and leases to total assets | 80.2416% | 1,603 |
Net loans and leases to deposits | 97.4853% | 2,197 |
Net loans and leases to core deposits | 130.0749% | 1,848 |
Total domestic deposits to total assets | 82.3115% | 4,081 |
Equity capital to assets | 10.3856% | 3,631 |
Core capital (leverage) ratio | 10.2044% | 3,264 |
Tier 1 risk-based capital ratio | 10.8165% | 5,895 |
Total risk-based capital ratio | 12.0794% | 5,787 |
Memoranda: | ||
Average total assets | $256,681,200 | 2,494 |
Average earning assets | $235,696,400 | 2,498 |
Average equity | $30,114,400 | 2,256 |
Average total loans | $206,524,200 | 2,235 |