Home > Peoples Security Bank > Performance and Condition Ratios
Peoples Security Bank, Performance and Condition Ratios
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 | 4.2856% | 2,691 |
Cost of funding earning assets | 0.2274% | 5,617 |
Net interest margin | 4.0581% | 1,697 |
Noninterest income to average assets | 0.8722% | 1,616 |
Noninterest expense to average assets | 4.1743% | 624 |
Loan and lease loss provision to assets | 0.0000% | 4,401 |
Net operating income to assets | 0.2229% | 5,801 |
Return on assets (ROA) | 0.2229% | 5,849 |
Pretax return on assets | 0.2285% | 5,906 |
Return on Equity (ROE) | 1.5661% | 5,934 |
Retained earnings to average equity (ytd only) | 0.1175% | 5,766 |
Net charge-offs to loans | 0.0215% | 4,090 |
Credit loss provision to net charge-offs | 0.0000% | 3,801 |
Earnings coverage of net charge-offs (x) | 27.3325% | 1,452 |
Efficiency ratio | 94.8101% | 555 |
Assets per employee ($millions) | 1.7529% | 6,482 |
Cash dividends to net income (ytd only)* | 92.4995% | 472 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4243% | 3,059 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.9868% | 2,981 |
Noncurrent loans to loans | 0.0000% | 6,061 |
Net loans and leases to total assets | 39.3370% | 5,857 |
Net loans and leases to deposits | 46.6078% | 5,838 |
Net loans and leases to core deposits | 48.9393% | 5,840 |
Total domestic deposits to total assets | 84.4000% | 3,588 |
Equity capital to assets | 14.7548% | 788 |
Core capital (leverage) ratio | 14.4215% | 744 |
Tier 1 risk-based capital ratio | 29.9125% | 528 |
Total risk-based capital ratio | 31.0888% | 527 |
Memoranda: | ||
Average total assets | $47,847,250 | 5,905 |
Average earning assets | $41,627,250 | 5,953 |
Average equity | $6,810,750 | 5,511 |
Average total loans | $18,601,000 | 6,078 |
2014-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3006% | 2,581 |
Cost of funding earning assets | 0.2263% | 5,692 |
Net interest margin | 4.0743% | 1,592 |
Noninterest income to average assets | 0.8413% | 1,697 |
Noninterest expense to average assets | 4.2648% | 568 |
Loan and lease loss provision to assets | 0.0000% | 4,196 |
Net operating income to assets | 0.0916% | 6,060 |
Return on assets (ROA) | 0.0916% | 6,092 |
Pretax return on assets | 0.1000% | 6,097 |
Return on Equity (ROE) | 0.6515% | 6,116 |
Retained earnings to average equity (ytd only) | -0.7996% | 5,827 |
Net charge-offs to loans | 0.0108% | 4,041 |
Credit loss provision to net charge-offs | 0.0000% | 3,401 |
Earnings coverage of net charge-offs (x) | 24.0000% | 1,446 |
Efficiency ratio | 97.7099% | 480 |
Assets per employee ($millions) | 1.7933% | 6,545 |
Cash dividends to net income (ytd only)* | 222.7273% | 102 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4333% | 3,176 |
Loan loss allowance to noncurrent loans | 467.2414% | 986 |
Noncurrent assets plus other real estate owned to assets | 1.1483% | 2,780 |
Noncurrent loans to loans | 0.3067% | 5,095 |
Net loans and leases to total assets | 38.4919% | 5,923 |
Net loans and leases to deposits | 45.2563% | 5,923 |
Net loans and leases to core deposits | 47.4671% | 5,924 |
Total domestic deposits to total assets | 85.0531% | 3,478 |
Equity capital to assets | 14.2240% | 889 |
Core capital (leverage) ratio | 14.3130% | 753 |
Tier 1 risk-based capital ratio | 29.3854% | 551 |
Total risk-based capital ratio | 30.5551% | 544 |
Memoranda: | ||
Average total assets | $48,020,670 | 5,949 |
Average earning assets | $41,529,000 | 6,013 |
Average equity | $6,753,330 | 5,546 |
Average total loans | $18,506,000 | 6,139 |
2014-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3786% | 2,236 |
Cost of funding earning assets | 0.2330% | 5,731 |
Net interest margin | 4.1456% | 1,352 |
Noninterest income to average assets | 0.8950% | 1,406 |
Noninterest expense to average assets | 4.1320% | 649 |
Loan and lease loss provision to assets | 0.0000% | 3,817 |
Net operating income to assets | 0.3262% | 5,406 |
Return on assets (ROA) | 0.3262% | 5,456 |
Pretax return on assets | 0.3346% | 5,636 |
Return on Equity (ROE) | 2.3331% | 5,696 |
Retained earnings to average equity (ytd only) | 0.8973% | 5,239 |
Net charge-offs to loans | 0.0437% | 2,776 |
Credit loss provision to net charge-offs | 0.0000% | 2,688 |
Earnings coverage of net charge-offs (x) | 20.0000% | 1,349 |
Efficiency ratio | 92.5094% | 844 |
Assets per employee ($millions) | 1.7335% | 6,625 |
Cash dividends to net income (ytd only)* | 61.5385% | 1,375 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4815% | 3,221 |
Loan loss allowance to noncurrent loans | 310.3448% | 1,445 |
Noncurrent assets plus other real estate owned to assets | 1.3330% | 2,656 |
Noncurrent loans to loans | 0.4774% | 4,729 |
Net loans and leases to total assets | 36.9916% | 6,018 |
Net loans and leases to deposits | 43.3570% | 6,005 |
Net loans and leases to core deposits | 45.4741% | 6,022 |
Total domestic deposits to total assets | 85.3187% | 3,712 |
Equity capital to assets | 13.9623% | 931 |
Core capital (leverage) ratio | 14.4053% | 717 |
Tier 1 risk-based capital ratio | 29.8587% | 532 |
Total risk-based capital ratio | 31.0358% | 529 |
Memoranda: | ||
Average total assets | $47,822,000 | 6,010 |
Average earning assets | $41,200,000 | 6,080 |
Average equity | $6,686,500 | 5,594 |
Average total loans | $18,305,000 | 6,205 |
2013-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4695% | 2,323 |
Cost of funding earning assets | 0.2611% | 5,903 |
Net interest margin | 4.2083% | 1,329 |
Noninterest income to average assets | 0.8288% | 1,943 |
Noninterest expense to average assets | 4.2017% | 697 |
Loan and lease loss provision to assets | 0.0000% | 5,091 |
Net operating income to assets | 0.3276% | 5,424 |
Return on assets (ROA) | 0.3455% | 5,464 |
Pretax return on assets | 0.3579% | 5,587 |
Return on Equity (ROE) | 2.4576% | 5,689 |
Retained earnings to average equity (ytd only) | 1.0240% | 5,379 |
Net charge-offs to loans | 0.9304% | 650 |
Credit loss provision to net charge-offs | 0.0000% | 4,707 |
Earnings coverage of net charge-offs (x) | 0.9322% | 4,772 |
Efficiency ratio | 92.5272% | 841 |
Assets per employee ($millions) | 1.6824% | 6,698 |
Cash dividends to net income (ytd only)* | 58.3333% | 1,847 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4795% | 3,285 |
Loan loss allowance to noncurrent loans | 138.7755% | 2,829 |
Noncurrent assets plus other real estate owned to assets | 1.6261% | 2,281 |
Noncurrent loans to loans | 1.0661% | 3,380 |
Net loans and leases to total assets | 38.4516% | 6,058 |
Net loans and leases to deposits | 45.1797% | 6,063 |
Net loans and leases to core deposits | 47.4647% | 6,063 |
Total domestic deposits to total assets | 85.1081% | 3,687 |
Equity capital to assets | 14.0025% | 895 |
Core capital (leverage) ratio | 14.5191% | 686 |
Tier 1 risk-based capital ratio | 29.5116% | 524 |
Total risk-based capital ratio | 30.6862% | 519 |
Memoranda: | ||
Average total assets | $48,622,800 | 6,050 |
Average earning assets | $42,891,000 | 6,084 |
Average equity | $6,836,000 | 5,610 |
Average total loans | $19,023,400 | 6,253 |
2013-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4998% | 2,228 |
Cost of funding earning assets | 0.2609% | 6,012 |
Net interest margin | 4.2389% | 1,225 |
Noninterest income to average assets | 0.7618% | 2,312 |
Noninterest expense to average assets | 4.1467% | 722 |
Loan and lease loss provision to assets | 0.0000% | 4,941 |
Net operating income to assets | 0.3622% | 5,398 |
Return on assets (ROA) | 0.3728% | 5,495 |
Pretax return on assets | 0.3836% | 5,674 |
Return on Equity (ROE) | 2.6488% | 5,736 |
Retained earnings to average equity (ytd only) | 1.2181% | 5,494 |
Net charge-offs to loans | 1.2094% | 451 |
Credit loss provision to net charge-offs | 0.0000% | 4,342 |
Earnings coverage of net charge-offs (x) | 0.7874% | 4,590 |
Efficiency ratio | 91.7520% | 870 |
Assets per employee ($millions) | 1.6945% | 6,766 |
Cash dividends to net income (ytd only)* | 54.0129% | 1,693 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4798% | 3,535 |
Loan loss allowance to noncurrent loans | 5,500.0000% | 122 |
Noncurrent assets plus other real estate owned to assets | 1.4458% | 2,782 |
Noncurrent loans to loans | 0.0269% | 6,271 |
Net loans and leases to total assets | 38.5883% | 6,134 |
Net loans and leases to deposits | 45.3103% | 6,139 |
Net loans and leases to core deposits | 47.5917% | 6,143 |
Total domestic deposits to total assets | 85.1645% | 3,653 |
Equity capital to assets | 13.9608% | 973 |
Core capital (leverage) ratio | 14.3826% | 768 |
Tier 1 risk-based capital ratio | 29.2834% | 549 |
Total risk-based capital ratio | 30.4628% | 546 |
Memoranda: | ||
Average total assets | $49,002,000 | 6,108 |
Average earning assets | $43,438,000 | 6,136 |
Average equity | $6,896,000 | 5,668 |
Average total loans | $19,183,000 | 6,309 |
2013-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5151% | 2,144 |
Cost of funding earning assets | 0.2645% | 6,080 |
Net interest margin | 4.2506% | 1,141 |
Noninterest income to average assets | 0.7351% | 2,473 |
Noninterest expense to average assets | 4.1639% | 728 |
Loan and lease loss provision to assets | 0.0000% | 4,788 |
Net operating income to assets | 0.3220% | 5,515 |
Return on assets (ROA) | 0.2948% | 5,765 |
Pretax return on assets | 0.3069% | 5,863 |
Return on Equity (ROE) | 2.0897% | 5,923 |
Retained earnings to average equity (ytd only) | 0.6870% | 5,626 |
Net charge-offs to loans | 0.0000% | 4,909 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 92.5494% | 859 |
Assets per employee ($millions) | 1.7290% | 6,812 |
Cash dividends to net income (ytd only)* | 67.1233% | 1,291 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.3602% | 1,155 |
Loan loss allowance to noncurrent loans | 66.9151% | 4,527 |
Noncurrent assets plus other real estate owned to assets | 2.9849% | 1,363 |
Noncurrent loans to loans | 3.5271% | 1,196 |
Net loans and leases to total assets | 38.3694% | 6,154 |
Net loans and leases to deposits | 44.9725% | 6,170 |
Net loans and leases to core deposits | 47.1986% | 6,167 |
Total domestic deposits to total assets | 85.3174% | 3,734 |
Equity capital to assets | 13.8749% | 1,001 |
Core capital (leverage) ratio | 13.8229% | 872 |
Tier 1 risk-based capital ratio | 27.8340% | 635 |
Total risk-based capital ratio | 29.0927% | 625 |
Memoranda: | ||
Average total assets | $49,520,330 | 6,136 |
Average earning assets | $43,853,000 | 6,162 |
Average equity | $6,986,670 | 5,686 |
Average total loans | $19,382,670 | 6,333 |
2013-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5103% | 2,131 |
Cost of funding earning assets | 0.2695% | 6,162 |
Net interest margin | 4.2407% | 1,097 |
Noninterest income to average assets | 0.7109% | 2,532 |
Noninterest expense to average assets | 3.9621% | 927 |
Loan and lease loss provision to assets | 0.0000% | 4,409 |
Net operating income to assets | 0.5032% | 4,641 |
Return on assets (ROA) | 0.5032% | 4,790 |
Pretax return on assets | 0.5192% | 5,202 |
Return on Equity (ROE) | 3.5386% | 5,318 |
Retained earnings to average equity (ytd only) | 2.1344% | 4,933 |
Net charge-offs to loans | 0.0000% | 4,145 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 88.4135% | 1,285 |
Assets per employee ($millions) | 1.8083% | 6,875 |
Cash dividends to net income (ytd only)* | 39.6825% | 1,862 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.3016% | 1,408 |
Loan loss allowance to noncurrent loans | 62.6220% | 4,599 |
Noncurrent assets plus other real estate owned to assets | 2.4944% | 1,852 |
Noncurrent loans to loans | 3.6754% | 1,287 |
Net loans and leases to total assets | 37.6415% | 6,171 |
Net loans and leases to deposits | 44.3119% | 6,181 |
Net loans and leases to core deposits | 46.4095% | 6,192 |
Total domestic deposits to total assets | 84.9466% | 4,067 |
Equity capital to assets | 14.0304% | 1,017 |
Core capital (leverage) ratio | 13.5689% | 921 |
Tier 1 risk-based capital ratio | 27.2849% | 682 |
Total risk-based capital ratio | 28.5425% | 674 |
Memoranda: | ||
Average total assets | $50,075,000 | 6,182 |
Average earning assets | $44,520,500 | 6,201 |
Average equity | $7,121,500 | 5,712 |
Average total loans | $19,562,000 | 6,383 |
2012-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8751% | 1,926 |
Cost of funding earning assets | 0.4030% | 5,895 |
Net interest margin | 4.4721% | 995 |
Noninterest income to average assets | 0.7917% | 2,296 |
Noninterest expense to average assets | 4.2008% | 766 |
Loan and lease loss provision to assets | 0.1792% | 3,386 |
Net operating income to assets | 0.2816% | 5,535 |
Return on assets (ROA) | 0.2541% | 5,827 |
Pretax return on assets | 0.2088% | 5,976 |
Return on Equity (ROE) | 1.8231% | 5,952 |
Retained earnings to average equity (ytd only) | -0.0989% | 5,868 |
Net charge-offs to loans | -0.5152% | 7,003 |
Credit loss provision to net charge-offs | -85.8491% | 6,320 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 90.9983% | 991 |
Assets per employee ($millions) | 1.7685% | 6,951 |
Cash dividends to net income (ytd only)* | 105.4264% | 423 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.2889% | 1,391 |
Loan loss allowance to noncurrent loans | 74.3377% | 4,120 |
Noncurrent assets plus other real estate owned to assets | 2.3426% | 2,097 |
Noncurrent loans to loans | 3.0791% | 1,685 |
Net loans and leases to total assets | 38.7079% | 6,256 |
Net loans and leases to deposits | 45.9640% | 6,255 |
Net loans and leases to core deposits | 48.5905% | 6,233 |
Total domestic deposits to total assets | 84.2135% | 4,219 |
Equity capital to assets | 14.4173% | 904 |
Core capital (leverage) ratio | 13.5856% | 918 |
Tier 1 risk-based capital ratio | 28.1630% | 613 |
Total risk-based capital ratio | 29.4224% | 601 |
Memoranda: | ||
Average total assets | $50,775,800 | 6,192 |
Average earning assets | $43,425,000 | 6,253 |
Average equity | $7,075,800 | 5,740 |
Average total loans | $20,573,800 | 6,396 |
2012-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9542% | 1,816 |
Cost of funding earning assets | 0.4165% | 6,011 |
Net interest margin | 4.5377% | 922 |
Noninterest income to average assets | 0.8090% | 2,200 |
Noninterest expense to average assets | 4.1494% | 774 |
Loan and lease loss provision to assets | 0.2375% | 2,676 |
Net operating income to assets | 0.2402% | 5,807 |
Return on assets (ROA) | 0.2114% | 6,059 |
Pretax return on assets | 0.2297% | 6,084 |
Return on Equity (ROE) | 1.5297% | 6,151 |
Retained earnings to average equity (ytd only) | -0.5854% | 6,197 |
Net charge-offs to loans | -0.6790% | 7,108 |
Credit loss provision to net charge-offs | -85.8491% | 6,227 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 89.2757% | 1,091 |
Assets per employee ($millions) | 1.7911% | 7,044 |
Cash dividends to net income (ytd only)* | 138.2685% | 136 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.2468% | 1,614 |
Loan loss allowance to noncurrent loans | 72.1865% | 4,134 |
Noncurrent assets plus other real estate owned to assets | 2.3330% | 2,277 |
Noncurrent loans to loans | 3.1125% | 1,785 |
Net loans and leases to total assets | 38.9524% | 6,352 |
Net loans and leases to deposits | 46.2247% | 6,367 |
Net loans and leases to core deposits | 48.4547% | 6,387 |
Total domestic deposits to total assets | 84.2675% | 4,097 |
Equity capital to assets | 14.2869% | 1,044 |
Core capital (leverage) ratio | 13.1716% | 1,122 |
Tier 1 risk-based capital ratio | 28.4795% | 613 |
Total risk-based capital ratio | 29.7363% | 603 |
Memoranda: | ||
Average total assets | $51,090,500 | 6,248 |
Average earning assets | $43,221,750 | 6,334 |
Average equity | $7,060,000 | 5,810 |
Average total loans | $20,813,250 | 6,474 |
2012-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0716% | 1,591 |
Cost of funding earning assets | 0.4288% | 6,107 |
Net interest margin | 4.6428% | 758 |
Noninterest income to average assets | 0.8638% | 1,916 |
Noninterest expense to average assets | 4.2059% | 724 |
Loan and lease loss provision to assets | 0.3152% | 2,092 |
Net operating income to assets | 0.2334% | 5,814 |
Return on assets (ROA) | -0.1362% | 6,564 |
Pretax return on assets | -0.1089% | 6,524 |
Return on Equity (ROE) | -0.9964% | 6,545 |
Retained earnings to average equity (ytd only) | -3.5018% | 6,513 |
Net charge-offs to loans | -0.0379% | 6,592 |
Credit loss provision to net charge-offs | -2,025.0000% | 6,498 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 87.9577% | 1,238 |
Assets per employee ($millions) | 1.8578% | 7,093 |
Cash dividends to net income (ytd only)* | -251.4286% | 7,233 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6197% | 3,535 |
Loan loss allowance to noncurrent loans | 102.1212% | 3,152 |
Noncurrent assets plus other real estate owned to assets | 1.7398% | 3,116 |
Noncurrent loans to loans | 1.5861% | 3,530 |
Net loans and leases to total assets | 39.3506% | 6,383 |
Net loans and leases to deposits | 46.6201% | 6,397 |
Net loans and leases to core deposits | 48.7868% | 6,416 |
Total domestic deposits to total assets | 84.4070% | 4,137 |
Equity capital to assets | 13.5014% | 1,304 |
Core capital (leverage) ratio | 12.5021% | 1,351 |
Tier 1 risk-based capital ratio | 26.5291% | 768 |
Total risk-based capital ratio | 27.7805% | 756 |
Memoranda: | ||
Average total assets | $51,403,670 | 6,278 |
Average earning assets | $43,378,670 | 6,363 |
Average equity | $7,025,000 | 5,845 |
Average total loans | $21,089,670 | 6,507 |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3022% | 1,092 |
Cost of funding earning assets | 0.4855% | 5,899 |
Net interest margin | 4.8166% | 546 |
Noninterest income to average assets | 0.9472% | 1,576 |
Noninterest expense to average assets | 4.0550% | 873 |
Loan and lease loss provision to assets | 0.1174% | 3,876 |
Net operating income to assets | 0.6184% | 4,272 |
Return on assets (ROA) | 0.6184% | 4,479 |
Pretax return on assets | 0.6576% | 4,917 |
Return on Equity (ROE) | 4.4976% | 5,045 |
Retained earnings to average equity (ytd only) | 1.9926% | 5,271 |
Net charge-offs to loans | 0.0565% | 3,935 |
Credit loss provision to net charge-offs | 500.0000% | 641 |
Earnings coverage of net charge-offs (x) | 33.0000% | 857 |
Efficiency ratio | 83.9546% | 1,691 |
Assets per employee ($millions) | 1.8639% | 7,160 |
Cash dividends to net income (ytd only)* | 55.6962% | 1,311 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2511% | 5,235 |
Loan loss allowance to noncurrent loans | 96.0000% | 3,164 |
Noncurrent assets plus other real estate owned to assets | 1.4429% | 3,701 |
Noncurrent loans to loans | 1.3033% | 4,164 |
Net loans and leases to total assets | 39.9268% | 6,356 |
Net loans and leases to deposits | 47.1991% | 6,343 |
Net loans and leases to core deposits | 49.8660% | 6,356 |
Total domestic deposits to total assets | 84.5922% | 4,227 |
Equity capital to assets | 13.4993% | 1,238 |
Core capital (leverage) ratio | 13.3106% | 1,021 |
Tier 1 risk-based capital ratio | 27.8806% | 651 |
Total risk-based capital ratio | 28.9708% | 649 |
Memoranda: | ||
Average total assets | $51,097,000 | 6,334 |
Average earning assets | $41,190,500 | 6,483 |
Average equity | $7,026,000 | 5,865 |
Average total loans | $21,231,500 | 6,545 |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.4923% | 1,182 |
Cost of funding earning assets | 0.6736% | 5,693 |
Net interest margin | 4.8187% | 599 |
Noninterest income to average assets | 0.8462% | 1,860 |
Noninterest expense to average assets | 4.2883% | 727 |
Loan and lease loss provision to assets | 0.1189% | 5,115 |
Net operating income to assets | 0.4875% | 4,478 |
Return on assets (ROA) | 0.4875% | 4,684 |
Pretax return on assets | 0.4934% | 5,014 |
Return on Equity (ROE) | 3.5837% | 5,037 |
Retained earnings to average equity (ytd only) | 1.0489% | 5,366 |
Net charge-offs to loans | 0.4220% | 3,316 |
Credit loss provision to net charge-offs | 62.5000% | 5,106 |
Earnings coverage of net charge-offs (x) | 3.2188% | 3,608 |
Efficiency ratio | 87.5051% | 1,399 |
Assets per employee ($millions) | 1.7859% | 7,215 |
Cash dividends to net income (ytd only)* | 70.7317% | 1,112 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1797% | 5,484 |
Loan loss allowance to noncurrent loans | 66.8435% | 4,180 |
Noncurrent assets plus other real estate owned to assets | 1.5258% | 3,669 |
Noncurrent loans to loans | 1.7648% | 3,516 |
Net loans and leases to total assets | 42.2149% | 6,367 |
Net loans and leases to deposits | 50.3482% | 6,337 |
Net loans and leases to core deposits | 52.8371% | 6,381 |
Total domestic deposits to total assets | 83.8459% | 4,385 |
Equity capital to assets | 14.0123% | 1,053 |
Core capital (leverage) ratio | 13.5144% | 957 |
Tier 1 risk-based capital ratio | 27.3821% | 675 |
Total risk-based capital ratio | 28.4095% | 672 |
Memoranda: | ||
Average total assets | $50,462,800 | 6,348 |
Average earning assets | $42,459,600 | 6,446 |
Average equity | $6,864,400 | 5,904 |
Average total loans | $22,750,600 | 6,516 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.6085% | 1,015 |
Cost of funding earning assets | 0.6999% | 5,765 |
Net interest margin | 4.9086% | 501 |
Noninterest income to average assets | 0.8014% | 2,052 |
Noninterest expense to average assets | 4.2732% | 737 |
Loan and lease loss provision to assets | 0.1054% | 5,127 |
Net operating income to assets | 0.4640% | 4,707 |
Return on assets (ROA) | 0.4640% | 4,896 |
Pretax return on assets | 0.5641% | 4,917 |
Return on Equity (ROE) | 3.4364% | 5,250 |
Retained earnings to average equity (ytd only) | 0.8786% | 5,654 |
Net charge-offs to loans | 0.5888% | 2,491 |
Credit loss provision to net charge-offs | 39.2157% | 5,266 |
Earnings coverage of net charge-offs (x) | 2.4901% | 3,885 |
Efficiency ratio | 86.4533% | 1,488 |
Assets per employee ($millions) | 1.7994% | 7,281 |
Cash dividends to net income (ytd only)* | 74.4311% | 759 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0074% | 6,226 |
Loan loss allowance to noncurrent loans | 26.1574% | 6,444 |
Noncurrent assets plus other real estate owned to assets | 2.7767% | 2,344 |
Noncurrent loans to loans | 3.8511% | 1,738 |
Net loans and leases to total assets | 44.0795% | 6,326 |
Net loans and leases to deposits | 52.5881% | 6,320 |
Net loans and leases to core deposits | 55.2051% | 6,376 |
Total domestic deposits to total assets | 83.8203% | 4,316 |
Equity capital to assets | 13.9409% | 1,179 |
Core capital (leverage) ratio | 13.4363% | 1,067 |
Tier 1 risk-based capital ratio | 25.8233% | 850 |
Total risk-based capital ratio | 26.6957% | 863 |
Memoranda: | ||
Average total assets | $50,577,000 | 6,407 |
Average earning assets | $42,672,250 | 6,494 |
Average equity | $6,828,750 | 5,955 |
Average total loans | $23,097,750 | 6,572 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.6787% | 907 |
Cost of funding earning assets | 0.7327% | 5,767 |
Net interest margin | 4.9460% | 438 |
Noninterest income to average assets | 0.7583% | 2,216 |
Noninterest expense to average assets | 4.3127% | 738 |
Loan and lease loss provision to assets | 0.0000% | 6,217 |
Net operating income to assets | 0.5055% | 4,479 |
Return on assets (ROA) | 0.5055% | 4,619 |
Pretax return on assets | 0.6042% | 4,731 |
Return on Equity (ROE) | 3.7849% | 5,027 |
Retained earnings to average equity (ytd only) | 1.2124% | 5,369 |
Net charge-offs to loans | 0.1115% | 4,581 |
Credit loss provision to net charge-offs | 0.0000% | 5,336 |
Earnings coverage of net charge-offs (x) | 11.7692% | 1,678 |
Efficiency ratio | 87.7108% | 1,447 |
Assets per employee ($millions) | 1.8203% | 7,351 |
Cash dividends to net income (ytd only)* | 67.9688% | 1,085 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1933% | 5,574 |
Loan loss allowance to noncurrent loans | 28.1474% | 6,370 |
Noncurrent assets plus other real estate owned to assets | 2.6977% | 2,481 |
Noncurrent loans to loans | 4.2393% | 1,598 |
Net loans and leases to total assets | 44.6762% | 6,374 |
Net loans and leases to deposits | 52.9287% | 6,402 |
Net loans and leases to core deposits | 55.1904% | 6,483 |
Total domestic deposits to total assets | 84.4082% | 4,168 |
Equity capital to assets | 13.5376% | 1,272 |
Core capital (leverage) ratio | 13.3663% | 1,041 |
Tier 1 risk-based capital ratio | 25.2083% | 885 |
Total risk-based capital ratio | 26.2453% | 889 |
Memoranda: | ||
Average total assets | $50,641,330 | 6,463 |
Average earning assets | $42,580,000 | 6,557 |
Average equity | $6,763,670 | 5,999 |
Average total loans | $23,318,670 | 6,622 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.6365% | 996 |
Cost of funding earning assets | 0.7630% | 5,788 |
Net interest margin | 4.8735% | 493 |
Noninterest income to average assets | 0.7290% | 2,395 |
Noninterest expense to average assets | 4.3346% | 702 |
Loan and lease loss provision to assets | 0.0000% | 5,840 |
Net operating income to assets | 0.3804% | 5,026 |
Return on assets (ROA) | 0.3804% | 5,112 |
Pretax return on assets | 0.4438% | 5,210 |
Return on Equity (ROE) | 2.8676% | 5,437 |
Retained earnings to average equity (ytd only) | 0.2390% | 5,717 |
Net charge-offs to loans | 0.0512% | 4,425 |
Credit loss provision to net charge-offs | 0.0000% | 4,480 |
Earnings coverage of net charge-offs (x) | 18.6667% | 1,173 |
Efficiency ratio | 90.7131% | 1,264 |
Assets per employee ($millions) | 1.8228% | 7,414 |
Cash dividends to net income (ytd only)* | 91.6667% | 676 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2296% | 5,482 |
Loan loss allowance to noncurrent loans | 23.3990% | 6,635 |
Noncurrent assets plus other real estate owned to assets | 3.1368% | 2,199 |
Noncurrent loans to loans | 5.2550% | 1,260 |
Net loans and leases to total assets | 44.8539% | 6,393 |
Net loans and leases to deposits | 52.8207% | 6,410 |
Net loans and leases to core deposits | 55.4136% | 6,456 |
Total domestic deposits to total assets | 84.9174% | 4,073 |
Equity capital to assets | 13.1899% | 1,304 |
Core capital (leverage) ratio | 13.4504% | 984 |
Tier 1 risk-based capital ratio | 25.0631% | 870 |
Total risk-based capital ratio | 26.1376% | 871 |
Memoranda: | ||
Average total assets | $50,477,500 | 6,518 |
Average earning assets | $41,941,000 | 6,615 |
Average equity | $6,695,500 | 6,026 |
Average total loans | $23,455,000 | 6,672 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.1816% | 592 |
Cost of funding earning assets | 1.0271% | 5,550 |
Net interest margin | 5.1546% | 315 |
Noninterest income to average assets | 0.9638% | 1,631 |
Noninterest expense to average assets | 4.4837% | 664 |
Loan and lease loss provision to assets | 0.1406% | 5,776 |
Net operating income to assets | 0.5723% | 3,791 |
Return on assets (ROA) | 0.5723% | 3,953 |
Pretax return on assets | 0.6526% | 4,157 |
Return on Equity (ROE) | 4.2135% | 4,427 |
Retained earnings to average equity (ytd only) | 1.6410% | 4,699 |
Net charge-offs to loans | 0.3374% | 4,324 |
Credit loss provision to net charge-offs | 86.4198% | 5,264 |
Earnings coverage of net charge-offs (x) | 4.8765% | 2,774 |
Efficiency ratio | 84.9696% | 1,802 |
Assets per employee ($millions) | 1.7827% | 7,492 |
Cash dividends to net income (ytd only)* | 61.0526% | 1,580 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2136% | 5,447 |
Loan loss allowance to noncurrent loans | 22.5000% | 6,717 |
Noncurrent assets plus other real estate owned to assets | 3.2535% | 2,170 |
Noncurrent loans to loans | 5.3936% | 1,222 |
Net loans and leases to total assets | 46.9669% | 6,480 |
Net loans and leases to deposits | 55.5190% | 6,479 |
Net loans and leases to core deposits | 58.0254% | 6,560 |
Total domestic deposits to total assets | 84.5961% | 4,057 |
Equity capital to assets | 13.3404% | 1,240 |
Core capital (leverage) ratio | 13.2827% | 1,034 |
Tier 1 risk-based capital ratio | 25.0104% | 847 |
Total risk-based capital ratio | 26.0945% | 842 |
Memoranda: | ||
Average total assets | $49,802,400 | 6,543 |
Average earning assets | $41,671,800 | 6,651 |
Average equity | $6,764,000 | 6,114 |
Average total loans | $24,005,600 | 6,728 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.2411% | 568 |
Cost of funding earning assets | 1.0159% | 5,865 |
Net interest margin | 5.2253% | 274 |
Noninterest income to average assets | 0.9724% | 1,545 |
Noninterest expense to average assets | 4.5297% | 568 |
Loan and lease loss provision to assets | 0.0000% | 6,977 |
Net operating income to assets | 0.6643% | 3,580 |
Return on assets (ROA) | 0.6643% | 3,742 |
Pretax return on assets | 0.8518% | 3,725 |
Return on Equity (ROE) | 4.8696% | 4,356 |
Retained earnings to average equity (ytd only) | 2.2974% | 4,788 |
Net charge-offs to loans | 0.1883% | 4,825 |
Credit loss provision to net charge-offs | 0.0000% | 6,367 |
Earnings coverage of net charge-offs (x) | 9.3534% | 2,033 |
Efficiency ratio | 84.1712% | 1,817 |
Assets per employee ($millions) | 1.8206% | 7,573 |
Cash dividends to net income (ytd only)* | 52.8216% | 1,526 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1023% | 5,925 |
Loan loss allowance to noncurrent loans | 20.3689% | 6,897 |
Noncurrent assets plus other real estate owned to assets | 3.1837% | 2,255 |
Noncurrent loans to loans | 5.4118% | 1,241 |
Net loans and leases to total assets | 46.6378% | 6,644 |
Net loans and leases to deposits | 55.4622% | 6,650 |
Net loans and leases to core deposits | 57.9412% | 6,730 |
Total domestic deposits to total assets | 84.0892% | 4,073 |
Equity capital to assets | 13.6059% | 1,312 |
Core capital (leverage) ratio | 13.1445% | 1,172 |
Tier 1 risk-based capital ratio | 24.4495% | 899 |
Total risk-based capital ratio | 25.4237% | 903 |
Memoranda: | ||
Average total assets | $49,774,000 | 6,626 |
Average earning assets | $42,000,000 | 6,723 |
Average equity | $6,790,250 | 6,183 |
Average total loans | $24,074,000 | 6,817 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.2402% | 579 |
Cost of funding earning assets | 1.0369% | 5,975 |
Net interest margin | 5.2034% | 281 |
Noninterest income to average assets | 1.0532% | 1,209 |
Noninterest expense to average assets | 4.4762% | 590 |
Loan and lease loss provision to assets | 0.0000% | 6,857 |
Net operating income to assets | 0.7575% | 3,159 |
Return on assets (ROA) | 0.7575% | 3,318 |
Pretax return on assets | 1.0087% | 3,081 |
Return on Equity (ROE) | 5.5476% | 4,020 |
Retained earnings to average equity (ytd only) | 2.9666% | 4,234 |
Net charge-offs to loans | 0.1578% | 4,677 |
Credit loss provision to net charge-offs | 0.0000% | 6,004 |
Earnings coverage of net charge-offs (x) | 13.1053% | 1,612 |
Efficiency ratio | 81.6100% | 2,221 |
Assets per employee ($millions) | 1.7782% | 7,662 |
Cash dividends to net income (ytd only)* | 46.5241% | 1,826 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1348% | 5,770 |
Loan loss allowance to noncurrent loans | 63.7813% | 4,145 |
Noncurrent assets plus other real estate owned to assets | 1.4742% | 4,253 |
Noncurrent loans to loans | 1.7793% | 4,024 |
Net loans and leases to total assets | 48.9927% | 6,546 |
Net loans and leases to deposits | 58.3690% | 6,551 |
Net loans and leases to core deposits | 61.0481% | 6,638 |
Total domestic deposits to total assets | 83.9362% | 4,136 |
Equity capital to assets | 13.7982% | 1,242 |
Core capital (leverage) ratio | 13.2855% | 1,118 |
Tier 1 risk-based capital ratio | 24.3951% | 902 |
Total risk-based capital ratio | 25.4247% | 904 |
Memoranda: | ||
Average total assets | $49,372,670 | 6,673 |
Average earning assets | $42,049,670 | 6,777 |
Average equity | $6,741,670 | 6,223 |
Average total loans | $24,085,330 | 6,858 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.2220% | 610 |
Cost of funding earning assets | 1.0628% | 6,072 |
Net interest margin | 5.1592% | 318 |
Noninterest income to average assets | 0.9926% | 1,327 |
Noninterest expense to average assets | 4.4992% | 581 |
Loan and lease loss provision to assets | 0.0000% | 6,552 |
Net operating income to assets | 0.6916% | 3,476 |
Return on assets (ROA) | 0.6916% | 3,592 |
Pretax return on assets | 0.8380% | 3,717 |
Return on Equity (ROE) | 5.0917% | 4,315 |
Retained earnings to average equity (ytd only) | 2.5159% | 4,625 |
Net charge-offs to loans | 0.3363% | 3,064 |
Credit loss provision to net charge-offs | 0.0000% | 5,126 |
Earnings coverage of net charge-offs (x) | 5.1500% | 2,454 |
Efficiency ratio | 84.2988% | 1,997 |
Assets per employee ($millions) | 1.7536% | 7,764 |
Cash dividends to net income (ytd only)* | 50.5882% | 1,472 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1731% | 5,645 |
Loan loss allowance to noncurrent loans | 74.4000% | 3,648 |
Noncurrent assets plus other real estate owned to assets | 1.3198% | 4,552 |
Noncurrent loans to loans | 1.5767% | 4,377 |
Net loans and leases to total assets | 47.8717% | 6,691 |
Net loans and leases to deposits | 56.8701% | 6,713 |
Net loans and leases to core deposits | 58.9778% | 6,818 |
Total domestic deposits to total assets | 84.1772% | 4,061 |
Equity capital to assets | 13.6619% | 1,262 |
Core capital (leverage) ratio | 13.4398% | 1,097 |
Tier 1 risk-based capital ratio | 25.1386% | 849 |
Total risk-based capital ratio | 26.2053% | 849 |
Memoranda: | ||
Average total assets | $49,164,500 | 6,757 |
Average earning assets | $41,401,500 | 6,881 |
Average equity | $6,677,500 | 6,299 |
Average total loans | $23,791,500 | 6,957 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.4169% | 799 |
Cost of funding earning assets | 1.2769% | 6,388 |
Net interest margin | 5.1401% | 335 |
Noninterest income to average assets | 1.0134% | 1,526 |
Noninterest expense to average assets | 4.4738% | 814 |
Loan and lease loss provision to assets | 0.1005% | 6,620 |
Net operating income to assets | 0.6736% | 3,041 |
Return on assets (ROA) | 0.6736% | 3,092 |
Pretax return on assets | 0.8747% | 3,005 |
Return on Equity (ROE) | 5.1704% | 3,594 |
Retained earnings to average equity (ytd only) | 2.4849% | 3,404 |
Net charge-offs to loans | 0.0444% | 6,660 |
Credit loss provision to net charge-offs | 454.5455% | 683 |
Earnings coverage of net charge-offs (x) | 44.0909% | 568 |
Efficiency ratio | 82.1033% | 2,583 |
Assets per employee ($millions) | 1.7582% | 7,837 |
Cash dividends to net income (ytd only)* | 51.9403% | 2,379 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2564% | 5,010 |
Loan loss allowance to noncurrent loans | 77.4611% | 3,545 |
Noncurrent assets plus other real estate owned to assets | 1.0136% | 5,088 |
Noncurrent loans to loans | 1.6219% | 4,211 |
Net loans and leases to total assets | 47.7361% | 6,828 |
Net loans and leases to deposits | 56.6552% | 6,881 |
Net loans and leases to core deposits | 65.9834% | 6,984 |
Total domestic deposits to total assets | 84.2572% | 3,915 |
Equity capital to assets | 13.5022% | 1,322 |
Core capital (leverage) ratio | 13.3367% | 1,142 |
Tier 1 risk-based capital ratio | 25.4579% | 800 |
Total risk-based capital ratio | 26.6230% | 796 |
Memoranda: | ||
Average total assets | $49,733,800 | 6,717 |
Average earning assets | $42,917,800 | 6,820 |
Average equity | $6,479,200 | 6,435 |
Average total loans | $24,753,800 | 6,926 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.4124% | 905 |
Cost of funding earning assets | 1.2991% | 6,561 |
Net interest margin | 5.1133% | 355 |
Noninterest income to average assets | 1.0108% | 1,564 |
Noninterest expense to average assets | 4.3267% | 880 |
Loan and lease loss provision to assets | 0.1337% | 6,021 |
Net operating income to assets | 0.7782% | 2,900 |
Return on assets (ROA) | 0.7782% | 2,962 |
Pretax return on assets | 1.0028% | 2,899 |
Return on Equity (ROE) | 6.0273% | 3,520 |
Retained earnings to average equity (ytd only) | 3.3140% | 3,456 |
Net charge-offs to loans | 0.0693% | 5,996 |
Credit loss provision to net charge-offs | 384.6154% | 1,051 |
Earnings coverage of net charge-offs (x) | 32.6976% | 878 |
Efficiency ratio | 79.1973% | 2,966 |
Assets per employee ($millions) | 1.7242% | 7,931 |
Cash dividends to net income (ytd only)* | 45.0166% | 2,237 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2267% | 4,964 |
Loan loss allowance to noncurrent loans | 53.1306% | 4,790 |
Noncurrent assets plus other real estate owned to assets | 1.4748% | 4,165 |
Noncurrent loans to loans | 2.3089% | 3,254 |
Net loans and leases to total assets | 49.5350% | 6,818 |
Net loans and leases to deposits | 59.0644% | 6,898 |
Net loans and leases to core deposits | 68.9940% | 7,017 |
Total domestic deposits to total assets | 83.8660% | 3,788 |
Equity capital to assets | 13.8244% | 1,363 |
Core capital (leverage) ratio | 13.3437% | 1,283 |
Tier 1 risk-based capital ratio | 24.9037% | 911 |
Total risk-based capital ratio | 26.0361% | 896 |
Memoranda: | ||
Average total assets | $49,860,000 | 6,766 |
Average earning assets | $43,415,000 | 6,844 |
Average equity | $6,437,250 | 6,508 |
Average total loans | $24,992,500 | 6,977 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.4814% | 858 |
Cost of funding earning assets | 1.3329% | 6,696 |
Net interest margin | 5.1484% | 331 |
Noninterest income to average assets | 1.0082% | 1,567 |
Noninterest expense to average assets | 4.1875% | 1,089 |
Loan and lease loss provision to assets | 0.1350% | 5,727 |
Net operating income to assets | 0.9010% | 2,454 |
Return on assets (ROA) | 0.9010% | 2,556 |
Pretax return on assets | 1.1471% | 2,476 |
Return on Equity (ROE) | 7.1402% | 3,142 |
Retained earnings to average equity (ytd only) | 4.4037% | 2,848 |
Net charge-offs to loans | 0.1901% | 4,359 |
Credit loss provision to net charge-offs | 141.6667% | 3,289 |
Earnings coverage of net charge-offs (x) | 13.4583% | 1,739 |
Efficiency ratio | 76.5602% | 3,589 |
Assets per employee ($millions) | 1.7922% | 7,974 |
Cash dividends to net income (ytd only)* | 38.3260% | 2,508 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0995% | 5,602 |
Loan loss allowance to noncurrent loans | 41.4110% | 5,594 |
Noncurrent assets plus other real estate owned to assets | 1.6699% | 3,691 |
Noncurrent loans to loans | 2.6552% | 2,723 |
Net loans and leases to total assets | 48.3958% | 7,003 |
Net loans and leases to deposits | 56.9519% | 7,098 |
Net loans and leases to core deposits | 66.2972% | 7,197 |
Total domestic deposits to total assets | 84.9767% | 3,274 |
Equity capital to assets | 12.9170% | 1,728 |
Core capital (leverage) ratio | 12.8442% | 1,485 |
Tier 1 risk-based capital ratio | 24.2487% | 1,005 |
Total risk-based capital ratio | 25.2541% | 1,012 |
Memoranda: | ||
Average total assets | $50,387,670 | 6,809 |
Average earning assets | $43,663,670 | 6,897 |
Average equity | $6,358,330 | 6,590 |
Average total loans | $25,253,000 | 7,012 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.4479% | 961 |
Cost of funding earning assets | 1.3862% | 6,775 |
Net interest margin | 5.0616% | 350 |
Noninterest income to average assets | 0.9903% | 1,511 |
Noninterest expense to average assets | 4.2463% | 894 |
Loan and lease loss provision to assets | 0.0951% | 5,743 |
Net operating income to assets | 0.8477% | 2,917 |
Return on assets (ROA) | 0.8477% | 3,070 |
Pretax return on assets | 1.0457% | 3,183 |
Return on Equity (ROE) | 6.7974% | 3,673 |
Retained earnings to average equity (ytd only) | 4.0658% | 3,634 |
Net charge-offs to loans | 0.0781% | 4,393 |
Credit loss provision to net charge-offs | 240.0000% | 1,936 |
Earnings coverage of net charge-offs (x) | 28.8000% | 1,092 |
Efficiency ratio | 78.8235% | 3,028 |
Assets per employee ($millions) | 1.8070% | 8,014 |
Cash dividends to net income (ytd only)* | 40.1869% | 2,062 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0538% | 5,792 |
Loan loss allowance to noncurrent loans | 42.7200% | 5,685 |
Noncurrent assets plus other real estate owned to assets | 1.3617% | 3,936 |
Noncurrent loans to loans | 2.4667% | 2,672 |
Net loans and leases to total assets | 49.5484% | 6,898 |
Net loans and leases to deposits | 58.0257% | 7,035 |
Net loans and leases to core deposits | 67.3744% | 7,172 |
Total domestic deposits to total assets | 85.3904% | 3,019 |
Equity capital to assets | 12.5067% | 1,966 |
Core capital (leverage) ratio | 12.8947% | 1,522 |
Tier 1 risk-based capital ratio | 23.4249% | 1,149 |
Total risk-based capital ratio | 24.3967% | 1,152 |
Memoranda: | ||
Average total assets | $50,490,500 | 6,847 |
Average earning assets | $43,859,500 | 6,941 |
Average equity | $6,296,500 | 6,660 |
Average total loans | $25,601,500 | 7,019 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.9087% | 1,369 |
Cost of funding earning assets | 1.8538% | 6,857 |
Net interest margin | 5.0549% | 449 |
Noninterest income to average assets | 1.2032% | 1,029 |
Noninterest expense to average assets | 4.3418% | 1,000 |
Loan and lease loss provision to assets | 0.0000% | 7,334 |
Net operating income to assets | 0.9318% | 2,870 |
Return on assets (ROA) | 0.9318% | 2,720 |
Pretax return on assets | 1.2630% | 2,433 |
Return on Equity (ROE) | 7.5374% | 3,267 |
Retained earnings to average equity (ytd only) | 4.7290% | 2,191 |
Net charge-offs to loans | 0.1373% | 4,851 |
Credit loss provision to net charge-offs | 0.0000% | 6,652 |
Earnings coverage of net charge-offs (x) | 17.5833% | 1,758 |
Efficiency ratio | 77.4653% | 2,999 |
Assets per employee ($millions) | 1.6795% | 8,105 |
Cash dividends to net income (ytd only)* | 37.2591% | 3,774 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0052% | 5,993 |
Loan loss allowance to noncurrent loans | 72.6257% | 4,438 |
Noncurrent assets plus other real estate owned to assets | 0.8376% | 4,756 |
Noncurrent loans to loans | 1.3841% | 3,751 |
Net loans and leases to total assets | 50.8217% | 6,949 |
Net loans and leases to deposits | 59.6195% | 7,122 |
Net loans and leases to core deposits | 69.8720% | 7,194 |
Total domestic deposits to total assets | 85.2433% | 2,731 |
Equity capital to assets | 12.4345% | 2,044 |
Core capital (leverage) ratio | 12.6958% | 1,670 |
Tier 1 risk-based capital ratio | 23.0636% | 1,184 |
Total risk-based capital ratio | 24.0046% | 1,191 |
Memoranda: | ||
Average total assets | $50,118,000 | 6,771 |
Average earning assets | $43,640,400 | 6,869 |
Average equity | $6,195,800 | 6,741 |
Average total loans | $26,213,600 | 6,952 |