Home > Signature Bank > Performance and Condition Ratios
Signature Bank, Performance and Condition Ratios
2014-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6373% | 1,454 |
Cost of funding earning assets | 0.4403% | 3,264 |
Net interest margin | 4.1970% | 1,310 |
Noninterest income to average assets | 0.3719% | 4,414 |
Noninterest expense to average assets | 3.7710% | 1,035 |
Loan and lease loss provision to assets | 0.0000% | 4,603 |
Net operating income to assets | 0.4587% | 4,972 |
Return on assets (ROA) | 0.4587% | 5,068 |
Pretax return on assets | 0.4587% | 5,362 |
Return on Equity (ROE) | 4.9264% | 4,702 |
Retained earnings to average equity (ytd only) | 4.9264% | 2,652 |
Net charge-offs to loans | 0.3884% | 1,102 |
Credit loss provision to net charge-offs | 0.0000% | 4,203 |
Earnings coverage of net charge-offs (x) | 1.5710% | 4,392 |
Efficiency ratio | 89.1544% | 899 |
Assets per employee ($millions) | 2.5576% | 6,131 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.2245% | 794 |
Loan loss allowance to noncurrent loans | 70.1942% | 4,510 |
Noncurrent assets plus other real estate owned to assets | 2.9273% | 704 |
Noncurrent loans to loans | 3.1690% | 695 |
Net loans and leases to total assets | 73.8431% | 1,612 |
Net loans and leases to deposits | 84.2409% | 2,180 |
Net loans and leases to core deposits | 85.5433% | 2,730 |
Total domestic deposits to total assets | 87.6571% | 1,952 |
Equity capital to assets | 9.7137% | 4,451 |
Core capital (leverage) ratio | 9.7155% | 3,949 |
Tier 1 risk-based capital ratio | 13.5945% | 4,350 |
Total risk-based capital ratio | 14.8580% | 4,283 |
Memoranda: | ||
Average total assets | $231,504,200 | 2,684 |
Average earning assets | $212,796,400 | 2,681 |
Average equity | $21,557,400 | 2,993 |
Average total loans | $174,060,400 | 2,289 |
2014-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6308% | 1,486 |
Cost of funding earning assets | 0.4462% | 3,298 |
Net interest margin | 4.1846% | 1,339 |
Noninterest income to average assets | 0.3330% | 4,775 |
Noninterest expense to average assets | 3.8641% | 893 |
Loan and lease loss provision to assets | 0.0000% | 4,401 |
Net operating income to assets | 0.3198% | 5,527 |
Return on assets (ROA) | 0.3198% | 5,602 |
Pretax return on assets | 0.3198% | 5,743 |
Return on Equity (ROE) | 3.4710% | 5,375 |
Retained earnings to average equity (ytd only) | 3.4710% | 4,162 |
Net charge-offs to loans | 0.4855% | 806 |
Credit loss provision to net charge-offs | 0.0000% | 3,801 |
Earnings coverage of net charge-offs (x) | 0.8770% | 4,292 |
Efficiency ratio | 92.3574% | 684 |
Assets per employee ($millions) | 2.4582% | 6,251 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.2105% | 931 |
Loan loss allowance to noncurrent loans | 64.7293% | 4,645 |
Noncurrent assets plus other real estate owned to assets | 3.1649% | 719 |
Noncurrent loans to loans | 3.4149% | 712 |
Net loans and leases to total assets | 74.0507% | 1,519 |
Net loans and leases to deposits | 86.0769% | 1,899 |
Net loans and leases to core deposits | 87.0611% | 2,535 |
Total domestic deposits to total assets | 86.0285% | 2,836 |
Equity capital to assets | 9.3276% | 5,010 |
Core capital (leverage) ratio | 9.5452% | 4,311 |
Tier 1 risk-based capital ratio | 13.0493% | 4,837 |
Total risk-based capital ratio | 14.3126% | 4,753 |
Memoranda: | ||
Average total assets | $231,835,250 | 2,696 |
Average earning assets | $213,349,500 | 2,695 |
Average equity | $21,357,000 | 3,019 |
Average total loans | $174,115,750 | 2,303 |
2014-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5746% | 1,596 |
Cost of funding earning assets | 0.4559% | 3,252 |
Net interest margin | 4.1187% | 1,452 |
Noninterest income to average assets | 0.2785% | 5,202 |
Noninterest expense to average assets | 3.8993% | 854 |
Loan and lease loss provision to assets | 0.0000% | 4,196 |
Net operating income to assets | 0.1686% | 5,911 |
Return on assets (ROA) | 0.1686% | 5,954 |
Pretax return on assets | 0.1686% | 5,990 |
Return on Equity (ROE) | 1.8383% | 5,879 |
Retained earnings to average equity (ytd only) | 1.8383% | 4,968 |
Net charge-offs to loans | 0.6166% | 644 |
Credit loss provision to net charge-offs | 0.0000% | 3,401 |
Earnings coverage of net charge-offs (x) | 0.3652% | 4,061 |
Efficiency ratio | 95.8546% | 561 |
Assets per employee ($millions) | 2.2795% | 6,411 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.2738% | 927 |
Loan loss allowance to noncurrent loans | 64.8286% | 4,668 |
Noncurrent assets plus other real estate owned to assets | 3.3529% | 716 |
Noncurrent loans to loans | 3.5074% | 755 |
Net loans and leases to total assets | 75.5891% | 1,221 |
Net loans and leases to deposits | 86.9552% | 1,713 |
Net loans and leases to core deposits | 88.0356% | 2,313 |
Total domestic deposits to total assets | 86.9288% | 2,489 |
Equity capital to assets | 9.3954% | 4,848 |
Core capital (leverage) ratio | 9.3974% | 4,472 |
Tier 1 risk-based capital ratio | 12.9109% | 4,967 |
Total risk-based capital ratio | 14.1752% | 4,900 |
Memoranda: | ||
Average total assets | $231,269,670 | 2,712 |
Average earning assets | $212,783,330 | 2,705 |
Average equity | $21,215,000 | 3,032 |
Average total loans | $173,207,330 | 2,313 |
2014-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5127% | 1,777 |
Cost of funding earning assets | 0.4623% | 3,287 |
Net interest margin | 4.0505% | 1,600 |
Noninterest income to average assets | 0.2610% | 5,274 |
Noninterest expense to average assets | 3.9377% | 814 |
Loan and lease loss provision to assets | 0.0000% | 3,817 |
Net operating income to assets | 0.0550% | 6,116 |
Return on assets (ROA) | 0.0550% | 6,138 |
Pretax return on assets | 0.0550% | 6,148 |
Return on Equity (ROE) | 0.6062% | 6,119 |
Retained earnings to average equity (ytd only) | 0.6062% | 5,341 |
Net charge-offs to loans | 0.2190% | 1,446 |
Credit loss provision to net charge-offs | 0.0000% | 2,688 |
Earnings coverage of net charge-offs (x) | 0.3404% | 3,370 |
Efficiency ratio | 98.6237% | 519 |
Assets per employee ($millions) | 2.3746% | 6,438 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.6095% | 708 |
Loan loss allowance to noncurrent loans | 58.0961% | 4,914 |
Noncurrent assets plus other real estate owned to assets | 4.1924% | 545 |
Noncurrent loans to loans | 4.4917% | 533 |
Net loans and leases to total assets | 71.3536% | 1,672 |
Net loans and leases to deposits | 80.6948% | 2,203 |
Net loans and leases to core deposits | 81.6728% | 2,769 |
Total domestic deposits to total assets | 88.4240% | 1,981 |
Equity capital to assets | 9.0909% | 5,010 |
Core capital (leverage) ratio | 9.1726% | 4,758 |
Tier 1 risk-based capital ratio | 13.2067% | 4,894 |
Total risk-based capital ratio | 14.4753% | 4,812 |
Memoranda: | ||
Average total assets | $232,929,000 | 2,713 |
Average earning assets | $214,592,000 | 2,703 |
Average equity | $21,114,000 | 3,036 |
Average total loans | $171,653,500 | 2,326 |
2013-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9074% | 1,084 |
Cost of funding earning assets | 0.5351% | 3,247 |
Net interest margin | 4.3723% | 954 |
Noninterest income to average assets | 0.3442% | 4,857 |
Noninterest expense to average assets | 3.9384% | 938 |
Loan and lease loss provision to assets | 0.0000% | 5,091 |
Net operating income to assets | 0.3992% | 5,143 |
Return on assets (ROA) | 0.3992% | 5,259 |
Pretax return on assets | 0.3992% | 5,498 |
Return on Equity (ROE) | 4.3760% | 4,948 |
Retained earnings to average equity (ytd only) | 4.3760% | 3,066 |
Net charge-offs to loans | 0.4179% | 1,603 |
Credit loss provision to net charge-offs | 0.0000% | 4,707 |
Earnings coverage of net charge-offs (x) | 1.2694% | 4,643 |
Efficiency ratio | 90.7965% | 965 |
Assets per employee ($millions) | 2.4036% | 6,458 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.6288% | 710 |
Loan loss allowance to noncurrent loans | 65.3669% | 4,648 |
Noncurrent assets plus other real estate owned to assets | 3.7285% | 748 |
Noncurrent loans to loans | 4.0217% | 722 |
Net loans and leases to total assets | 72.1722% | 1,654 |
Net loans and leases to deposits | 81.6386% | 2,227 |
Net loans and leases to core deposits | 82.5765% | 2,824 |
Total domestic deposits to total assets | 88.4046% | 1,947 |
Equity capital to assets | 9.0383% | 4,987 |
Core capital (leverage) ratio | 9.3014% | 4,546 |
Tier 1 risk-based capital ratio | 12.9902% | 4,978 |
Total risk-based capital ratio | 14.2587% | 4,918 |
Memoranda: | ||
Average total assets | $228,950,000 | 2,727 |
Average earning assets | $209,113,200 | 2,732 |
Average equity | $20,886,600 | 3,062 |
Average total loans | $172,280,400 | 2,279 |
2013-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9814% | 975 |
Cost of funding earning assets | 0.5481% | 3,282 |
Net interest margin | 4.4333% | 836 |
Noninterest income to average assets | 0.3311% | 5,035 |
Noninterest expense to average assets | 3.9595% | 893 |
Loan and lease loss provision to assets | 0.0000% | 4,941 |
Net operating income to assets | 0.4130% | 5,196 |
Return on assets (ROA) | 0.4130% | 5,334 |
Pretax return on assets | 0.4130% | 5,590 |
Return on Equity (ROE) | 4.5168% | 4,977 |
Retained earnings to average equity (ytd only) | 4.5168% | 3,460 |
Net charge-offs to loans | 0.4585% | 1,396 |
Credit loss provision to net charge-offs | 0.0000% | 4,342 |
Earnings coverage of net charge-offs (x) | 1.1926% | 4,446 |
Efficiency ratio | 90.5539% | 951 |
Assets per employee ($millions) | 2.3168% | 6,591 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.7035% | 743 |
Loan loss allowance to noncurrent loans | 62.9006% | 4,696 |
Noncurrent assets plus other real estate owned to assets | 3.9543% | 794 |
Noncurrent loans to loans | 4.2980% | 787 |
Net loans and leases to total assets | 74.0415% | 1,284 |
Net loans and leases to deposits | 84.0228% | 1,875 |
Net loans and leases to core deposits | 85.0145% | 2,541 |
Total domestic deposits to total assets | 88.1208% | 2,044 |
Equity capital to assets | 9.2101% | 4,923 |
Core capital (leverage) ratio | 9.4557% | 4,467 |
Tier 1 risk-based capital ratio | 12.9788% | 5,142 |
Total risk-based capital ratio | 14.2488% | 5,076 |
Memoranda: | ||
Average total assets | $227,899,500 | 2,761 |
Average earning assets | $207,754,000 | 2,766 |
Average equity | $20,840,000 | 3,090 |
Average total loans | $172,147,000 | 2,286 |
2013-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0413% | 857 |
Cost of funding earning assets | 0.5568% | 3,345 |
Net interest margin | 4.4845% | 724 |
Noninterest income to average assets | 0.3418% | 4,951 |
Noninterest expense to average assets | 3.9082% | 968 |
Loan and lease loss provision to assets | 0.0000% | 4,788 |
Net operating income to assets | 0.5206% | 4,716 |
Return on assets (ROA) | 0.5206% | 4,881 |
Pretax return on assets | 0.5206% | 5,301 |
Return on Equity (ROE) | 5.7071% | 4,345 |
Retained earnings to average equity (ytd only) | 5.7071% | 2,606 |
Net charge-offs to loans | 0.2222% | 2,407 |
Credit loss provision to net charge-offs | 0.0000% | 4,003 |
Earnings coverage of net charge-offs (x) | 3.1099% | 3,492 |
Efficiency ratio | 88.2446% | 1,199 |
Assets per employee ($millions) | 2.2900% | 6,642 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.9541% | 611 |
Loan loss allowance to noncurrent loans | 74.9741% | 4,218 |
Noncurrent assets plus other real estate owned to assets | 3.7956% | 962 |
Noncurrent loans to loans | 3.9402% | 999 |
Net loans and leases to total assets | 74.2456% | 1,211 |
Net loans and leases to deposits | 84.3555% | 1,753 |
Net loans and leases to core deposits | 85.7063% | 2,361 |
Total domestic deposits to total assets | 88.0151% | 2,234 |
Equity capital to assets | 9.2756% | 4,893 |
Core capital (leverage) ratio | 9.2944% | 4,549 |
Tier 1 risk-based capital ratio | 12.9022% | 5,219 |
Total risk-based capital ratio | 14.1750% | 5,138 |
Memoranda: | ||
Average total assets | $228,185,000 | 2,769 |
Average earning assets | $207,960,670 | 2,773 |
Average equity | $20,816,330 | 3,110 |
Average total loans | $171,937,000 | 2,294 |
2013-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1143% | 725 |
Cost of funding earning assets | 0.5659% | 3,419 |
Net interest margin | 4.5484% | 626 |
Noninterest income to average assets | 0.3981% | 4,470 |
Noninterest expense to average assets | 3.8997% | 999 |
Loan and lease loss provision to assets | 0.0000% | 4,409 |
Net operating income to assets | 0.6346% | 4,055 |
Return on assets (ROA) | 0.6346% | 4,212 |
Pretax return on assets | 0.6346% | 4,822 |
Return on Equity (ROE) | 7.0137% | 3,478 |
Retained earnings to average equity (ytd only) | 7.0137% | 2,141 |
Net charge-offs to loans | 0.3766% | 1,510 |
Credit loss provision to net charge-offs | 0.0000% | 3,239 |
Earnings coverage of net charge-offs (x) | 2.2531% | 3,091 |
Efficiency ratio | 86.0046% | 1,517 |
Assets per employee ($millions) | 2.3554% | 6,688 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.9834% | 670 |
Loan loss allowance to noncurrent loans | 96.5184% | 3,457 |
Noncurrent assets plus other real estate owned to assets | 3.1616% | 1,382 |
Noncurrent loans to loans | 3.0910% | 1,614 |
Net loans and leases to total assets | 71.8632% | 1,371 |
Net loans and leases to deposits | 81.3601% | 1,916 |
Net loans and leases to core deposits | 82.5907% | 2,502 |
Total domestic deposits to total assets | 88.3273% | 2,111 |
Equity capital to assets | 9.0911% | 5,379 |
Core capital (leverage) ratio | 9.2135% | 4,548 |
Tier 1 risk-based capital ratio | 12.7539% | 5,400 |
Total risk-based capital ratio | 14.0271% | 5,323 |
Memoranda: | ||
Average total assets | $230,069,500 | 2,772 |
Average earning assets | $209,217,500 | 2,787 |
Average equity | $20,816,500 | 3,157 |
Average total loans | $172,060,000 | 2,302 |
2012-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3310% | 872 |
Cost of funding earning assets | 0.7602% | 3,011 |
Net interest margin | 4.5708% | 823 |
Noninterest income to average assets | 0.4367% | 4,346 |
Noninterest expense to average assets | 3.8602% | 1,152 |
Loan and lease loss provision to assets | 0.4224% | 1,506 |
Net operating income to assets | 0.3162% | 5,412 |
Return on assets (ROA) | 0.3838% | 5,397 |
Pretax return on assets | 0.3838% | 5,614 |
Return on Equity (ROE) | 4.5010% | 4,929 |
Retained earnings to average equity (ytd only) | 4.5010% | 3,066 |
Net charge-offs to loans | 0.5968% | 1,945 |
Credit loss provision to net charge-offs | 94.4767% | 3,293 |
Earnings coverage of net charge-offs (x) | 1.6521% | 4,615 |
Efficiency ratio | 83.9393% | 1,638 |
Assets per employee ($millions) | 2.3399% | 6,750 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.0398% | 637 |
Loan loss allowance to noncurrent loans | 82.2472% | 3,838 |
Noncurrent assets plus other real estate owned to assets | 3.6278% | 1,234 |
Noncurrent loans to loans | 3.6959% | 1,312 |
Net loans and leases to total assets | 73.2088% | 1,305 |
Net loans and leases to deposits | 82.8669% | 1,897 |
Net loans and leases to core deposits | 84.0186% | 2,549 |
Total domestic deposits to total assets | 88.3450% | 1,998 |
Equity capital to assets | 9.0044% | 5,517 |
Core capital (leverage) ratio | 9.0593% | 4,806 |
Tier 1 risk-based capital ratio | 12.2468% | 5,633 |
Total risk-based capital ratio | 13.5204% | 5,573 |
Memoranda: | ||
Average total assets | $230,845,400 | 2,715 |
Average earning assets | $210,202,600 | 2,733 |
Average equity | $19,684,600 | 3,231 |
Average total loans | $172,923,400 | 2,283 |
2012-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3252% | 960 |
Cost of funding earning assets | 0.7887% | 3,038 |
Net interest margin | 4.5365% | 926 |
Noninterest income to average assets | 0.4417% | 4,352 |
Noninterest expense to average assets | 3.8402% | 1,143 |
Loan and lease loss provision to assets | 0.5622% | 1,021 |
Net operating income to assets | 0.1851% | 5,954 |
Return on assets (ROA) | 0.1886% | 6,107 |
Pretax return on assets | 0.1886% | 6,145 |
Return on Equity (ROE) | 2.2423% | 5,961 |
Retained earnings to average equity (ytd only) | 2.2423% | 5,217 |
Net charge-offs to loans | 0.8399% | 1,308 |
Credit loss provision to net charge-offs | 89.5317% | 3,311 |
Earnings coverage of net charge-offs (x) | 1.1901% | 4,704 |
Efficiency ratio | 83.7104% | 1,623 |
Assets per employee ($millions) | 2.2633% | 6,886 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.0354% | 691 |
Loan loss allowance to noncurrent loans | 76.2449% | 3,973 |
Noncurrent assets plus other real estate owned to assets | 3.8452% | 1,280 |
Noncurrent loans to loans | 3.9811% | 1,290 |
Net loans and leases to total assets | 73.4781% | 1,321 |
Net loans and leases to deposits | 84.6052% | 1,792 |
Net loans and leases to core deposits | 85.9249% | 2,473 |
Total domestic deposits to total assets | 86.8482% | 2,771 |
Equity capital to assets | 8.7362% | 6,079 |
Core capital (leverage) ratio | 8.5730% | 5,664 |
Tier 1 risk-based capital ratio | 11.7588% | 6,079 |
Total risk-based capital ratio | 13.0325% | 6,048 |
Memoranda: | ||
Average total assets | $231,229,250 | 2,739 |
Average earning assets | $211,316,750 | 2,745 |
Average equity | $19,443,750 | 3,298 |
Average total loans | $172,869,750 | 2,315 |
2012-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3352% | 981 |
Cost of funding earning assets | 0.8089% | 3,122 |
Net interest margin | 4.5263% | 948 |
Noninterest income to average assets | 0.4269% | 4,459 |
Noninterest expense to average assets | 3.8177% | 1,187 |
Loan and lease loss provision to assets | 0.7515% | 696 |
Net operating income to assets | -0.0043% | 6,323 |
Return on assets (ROA) | -0.0043% | 6,458 |
Pretax return on assets | -0.0043% | 6,452 |
Return on Equity (ROE) | -0.0517% | 6,460 |
Retained earnings to average equity (ytd only) | -0.0517% | 6,044 |
Net charge-offs to loans | 0.7754% | 1,418 |
Credit loss provision to net charge-offs | 130.2083% | 2,114 |
Earnings coverage of net charge-offs (x) | 1.2946% | 4,357 |
Efficiency ratio | 83.6312% | 1,670 |
Assets per employee ($millions) | 2.2873% | 6,916 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.2167% | 632 |
Loan loss allowance to noncurrent loans | 89.8633% | 3,484 |
Noncurrent assets plus other real estate owned to assets | 3.6322% | 1,448 |
Noncurrent loans to loans | 3.5796% | 1,600 |
Net loans and leases to total assets | 71.9314% | 1,566 |
Net loans and leases to deposits | 82.5688% | 2,037 |
Net loans and leases to core deposits | 83.8618% | 2,708 |
Total domestic deposits to total assets | 87.1169% | 2,708 |
Equity capital to assets | 8.3921% | 6,306 |
Core capital (leverage) ratio | 8.2777% | 5,949 |
Tier 1 risk-based capital ratio | 11.4896% | 6,222 |
Total risk-based capital ratio | 12.7654% | 6,184 |
Memoranda: | ||
Average total assets | $232,861,000 | 2,725 |
Average earning assets | $212,889,670 | 2,723 |
Average equity | $19,334,000 | 3,303 |
Average total loans | $173,322,330 | 2,317 |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3177% | 1,061 |
Cost of funding earning assets | 0.8379% | 3,168 |
Net interest margin | 4.4798% | 1,052 |
Noninterest income to average assets | 0.2772% | 5,647 |
Noninterest expense to average assets | 3.8309% | 1,168 |
Loan and lease loss provision to assets | 0.6844% | 775 |
Net operating income to assets | -0.1489% | 6,580 |
Return on assets (ROA) | -0.1489% | 6,646 |
Pretax return on assets | -0.1489% | 6,629 |
Return on Equity (ROE) | -1.8024% | 6,671 |
Retained earnings to average equity (ytd only) | -1.8024% | 6,253 |
Net charge-offs to loans | 0.8614% | 1,190 |
Credit loss provision to net charge-offs | 106.6667% | 2,177 |
Earnings coverage of net charge-offs (x) | 0.8347% | 3,910 |
Efficiency ratio | 87.7351% | 1,308 |
Assets per employee ($millions) | 2.4226% | 6,902 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.0937% | 767 |
Loan loss allowance to noncurrent loans | 81.1200% | 3,643 |
Noncurrent assets plus other real estate owned to assets | 3.7873% | 1,475 |
Noncurrent loans to loans | 3.8138% | 1,624 |
Net loans and leases to total assets | 71.2464% | 1,528 |
Net loans and leases to deposits | 81.4347% | 2,004 |
Net loans and leases to core deposits | 82.5737% | 2,751 |
Total domestic deposits to total assets | 87.4890% | 2,659 |
Equity capital to assets | 8.1951% | 6,362 |
Core capital (leverage) ratio | 8.1756% | 6,062 |
Tier 1 risk-based capital ratio | 11.4357% | 6,321 |
Total risk-based capital ratio | 12.7098% | 6,287 |
Memoranda: | ||
Average total assets | $233,783,500 | 2,730 |
Average earning assets | $213,402,500 | 2,730 |
Average equity | $19,307,500 | 3,307 |
Average total loans | $174,135,500 | 2,321 |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.7718% | 677 |
Cost of funding earning assets | 1.1239% | 2,513 |
Net interest margin | 4.6478% | 836 |
Noninterest income to average assets | 0.4290% | 4,379 |
Noninterest expense to average assets | 3.7488% | 1,445 |
Loan and lease loss provision to assets | 1.7912% | 373 |
Net operating income to assets | -0.8650% | 6,681 |
Return on assets (ROA) | -0.8534% | 6,708 |
Pretax return on assets | -0.8534% | 6,670 |
Return on Equity (ROE) | -10.2049% | 6,746 |
Retained earnings to average equity (ytd only) | -10.2049% | 6,708 |
Net charge-offs to loans | 1.7126% | 887 |
Credit loss provision to net charge-offs | 131.8113% | 2,314 |
Earnings coverage of net charge-offs (x) | 0.6816% | 5,302 |
Efficiency ratio | 80.1876% | 2,279 |
Assets per employee ($millions) | 2.3492% | 6,966 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.0313% | 790 |
Loan loss allowance to noncurrent loans | 74.9085% | 3,861 |
Noncurrent assets plus other real estate owned to assets | 3.9041% | 1,472 |
Noncurrent loans to loans | 4.0467% | 1,542 |
Net loans and leases to total assets | 73.1733% | 1,418 |
Net loans and leases to deposits | 83.8413% | 1,947 |
Net loans and leases to core deposits | 85.0226% | 2,748 |
Total domestic deposits to total assets | 87.2759% | 2,592 |
Equity capital to assets | 8.3229% | 6,329 |
Core capital (leverage) ratio | 8.1176% | 6,118 |
Tier 1 risk-based capital ratio | 11.3940% | 6,223 |
Total risk-based capital ratio | 12.6678% | 6,201 |
Memoranda: | ||
Average total assets | $241,731,200 | 2,619 |
Average earning assets | $220,834,200 | 2,598 |
Average equity | $20,215,800 | 3,102 |
Average total loans | $191,815,000 | 2,109 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.8063% | 696 |
Cost of funding earning assets | 1.1346% | 2,740 |
Net interest margin | 4.6717% | 810 |
Noninterest income to average assets | 0.4579% | 4,235 |
Noninterest expense to average assets | 3.7619% | 1,378 |
Loan and lease loss provision to assets | 1.9834% | 280 |
Net operating income to assets | -1.0130% | 6,890 |
Return on assets (ROA) | -0.9977% | 6,911 |
Pretax return on assets | -0.9977% | 6,876 |
Return on Equity (ROE) | -11.9165% | 6,945 |
Retained earnings to average equity (ytd only) | -11.9165% | 6,915 |
Net charge-offs to loans | 1.4688% | 996 |
Credit loss provision to net charge-offs | 168.2113% | 1,796 |
Earnings coverage of net charge-offs (x) | 0.8230% | 4,996 |
Efficiency ratio | 79.4943% | 2,336 |
Assets per employee ($millions) | 2.5586% | 6,826 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.1249% | 779 |
Loan loss allowance to noncurrent loans | 74.9283% | 3,768 |
Noncurrent assets plus other real estate owned to assets | 3.8638% | 1,598 |
Noncurrent loans to loans | 4.1705% | 1,576 |
Net loans and leases to total assets | 74.8729% | 1,168 |
Net loans and leases to deposits | 87.2360% | 1,527 |
Net loans and leases to core deposits | 90.9542% | 2,127 |
Total domestic deposits to total assets | 85.8279% | 3,316 |
Equity capital to assets | 8.2457% | 6,530 |
Core capital (leverage) ratio | 8.1418% | 6,223 |
Tier 1 risk-based capital ratio | 10.9985% | 6,544 |
Total risk-based capital ratio | 12.2733% | 6,511 |
Memoranda: | ||
Average total assets | $244,020,500 | 2,594 |
Average earning assets | $223,269,750 | 2,585 |
Average equity | $20,430,500 | 3,083 |
Average total loans | $195,893,250 | 2,096 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.8658% | 628 |
Cost of funding earning assets | 1.1779% | 2,720 |
Net interest margin | 4.6878% | 753 |
Noninterest income to average assets | 0.4609% | 4,185 |
Noninterest expense to average assets | 3.6994% | 1,529 |
Loan and lease loss provision to assets | 2.3004% | 238 |
Net operating income to assets | -1.2429% | 7,013 |
Return on assets (ROA) | -1.2201% | 7,021 |
Pretax return on assets | -1.2201% | 6,971 |
Return on Equity (ROE) | -14.5022% | 7,054 |
Retained earnings to average equity (ytd only) | -14.5022% | 7,024 |
Net charge-offs to loans | 1.5269% | 969 |
Credit loss provision to net charge-offs | 185.4522% | 1,628 |
Earnings coverage of net charge-offs (x) | 0.8526% | 4,658 |
Efficiency ratio | 77.7683% | 2,744 |
Assets per employee ($millions) | 2.4658% | 6,956 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.9072% | 976 |
Loan loss allowance to noncurrent loans | 75.2800% | 3,726 |
Noncurrent assets plus other real estate owned to assets | 3.6373% | 1,808 |
Noncurrent loans to loans | 3.8618% | 1,799 |
Net loans and leases to total assets | 77.9001% | 793 |
Net loans and leases to deposits | 90.7659% | 1,187 |
Net loans and leases to core deposits | 95.0803% | 1,782 |
Total domestic deposits to total assets | 85.8253% | 3,426 |
Equity capital to assets | 8.3002% | 6,426 |
Core capital (leverage) ratio | 8.0895% | 6,181 |
Tier 1 risk-based capital ratio | 10.7585% | 6,681 |
Total risk-based capital ratio | 12.0307% | 6,650 |
Memoranda: | ||
Average total assets | $246,042,670 | 2,591 |
Average earning assets | $225,477,670 | 2,577 |
Average equity | $20,700,330 | 3,036 |
Average total loans | $199,887,670 | 2,085 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.7799% | 768 |
Cost of funding earning assets | 1.2697% | 2,362 |
Net interest margin | 4.5103% | 1,050 |
Noninterest income to average assets | 0.4361% | 4,402 |
Noninterest expense to average assets | 3.6269% | 1,710 |
Loan and lease loss provision to assets | 1.7637% | 330 |
Net operating income to assets | -0.5411% | 6,826 |
Return on assets (ROA) | -0.5115% | 6,815 |
Pretax return on assets | -0.7744% | 6,905 |
Return on Equity (ROE) | -6.0405% | 6,869 |
Retained earnings to average equity (ytd only) | -6.0405% | 6,598 |
Net charge-offs to loans | 1.4185% | 963 |
Credit loss provision to net charge-offs | 152.1438% | 1,881 |
Earnings coverage of net charge-offs (x) | 0.8147% | 4,030 |
Efficiency ratio | 79.3406% | 2,641 |
Assets per employee ($millions) | 2.5651% | 6,889 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.3067% | 1,749 |
Loan loss allowance to noncurrent loans | 47.4791% | 5,142 |
Noncurrent assets plus other real estate owned to assets | 4.2588% | 1,537 |
Noncurrent loans to loans | 4.8584% | 1,397 |
Net loans and leases to total assets | 80.0097% | 508 |
Net loans and leases to deposits | 93.2432% | 898 |
Net loans and leases to core deposits | 98.6916% | 1,457 |
Total domestic deposits to total assets | 85.8076% | 3,632 |
Equity capital to assets | 8.5098% | 5,892 |
Core capital (leverage) ratio | 8.2579% | 5,887 |
Tier 1 risk-based capital ratio | 10.7933% | 6,642 |
Total risk-based capital ratio | 12.0575% | 6,615 |
Memoranda: | ||
Average total assets | $249,470,500 | 2,577 |
Average earning assets | $228,723,000 | 2,556 |
Average equity | $21,124,000 | 2,972 |
Average total loans | $203,878,500 | 2,067 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.9052% | 1,032 |
Cost of funding earning assets | 1.4648% | 2,860 |
Net interest margin | 4.4404% | 1,372 |
Noninterest income to average assets | 0.4844% | 4,291 |
Noninterest expense to average assets | 3.3384% | 2,614 |
Loan and lease loss provision to assets | 1.3537% | 1,120 |
Net operating income to assets | -0.5233% | 6,400 |
Return on assets (ROA) | -0.4360% | 6,372 |
Pretax return on assets | 0.0034% | 5,892 |
Return on Equity (ROE) | -5.0600% | 6,435 |
Retained earnings to average equity (ytd only) | -7.5988% | 6,502 |
Net charge-offs to loans | 1.1633% | 1,919 |
Credit loss provision to net charge-offs | 145.3355% | 2,543 |
Earnings coverage of net charge-offs (x) | 1.3106% | 4,793 |
Efficiency ratio | 72.5153% | 3,698 |
Assets per employee ($millions) | 2.3839% | 7,145 |
Cash dividends to net income (ytd only)* | -50.1748% | 7,585 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0744% | 2,122 |
Loan loss allowance to noncurrent loans | 44.1495% | 5,376 |
Noncurrent assets plus other real estate owned to assets | 4.0384% | 1,681 |
Noncurrent loans to loans | 4.6985% | 1,481 |
Net loans and leases to total assets | 79.8628% | 680 |
Net loans and leases to deposits | 94.5999% | 1,003 |
Net loans and leases to core deposits | 102.1880% | 1,438 |
Total domestic deposits to total assets | 84.4216% | 4,162 |
Equity capital to assets | 8.4263% | 5,954 |
Core capital (leverage) ratio | 8.1117% | 5,992 |
Tier 1 risk-based capital ratio | 10.7126% | 6,561 |
Total risk-based capital ratio | 11.9742% | 6,519 |
Memoranda: | ||
Average total assets | $262,400,000 | 2,429 |
Average earning assets | $240,788,200 | 2,420 |
Average equity | $22,608,800 | 2,815 |
Average total loans | $210,095,400 | 2,075 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.8816% | 1,177 |
Cost of funding earning assets | 1.5292% | 2,774 |
Net interest margin | 4.3524% | 1,670 |
Noninterest income to average assets | 0.4692% | 4,421 |
Noninterest expense to average assets | 3.3037% | 2,561 |
Loan and lease loss provision to assets | 1.4208% | 948 |
Net operating income to assets | -0.1169% | 6,201 |
Return on assets (ROA) | -0.1062% | 6,280 |
Pretax return on assets | -0.2492% | 6,364 |
Return on Equity (ROE) | -1.2265% | 6,306 |
Retained earnings to average equity (ytd only) | -4.5630% | 6,524 |
Net charge-offs to loans | 0.6632% | 2,768 |
Credit loss provision to net charge-offs | 268.7619% | 1,224 |
Earnings coverage of net charge-offs (x) | 2.1848% | 4,086 |
Efficiency ratio | 73.3740% | 3,446 |
Assets per employee ($millions) | 2.5382% | 7,032 |
Cash dividends to net income (ytd only)* | -272.0328% | 7,730 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.3501% | 1,546 |
Loan loss allowance to noncurrent loans | 44.9490% | 5,274 |
Noncurrent assets plus other real estate owned to assets | 4.4091% | 1,541 |
Noncurrent loans to loans | 5.2283% | 1,302 |
Net loans and leases to total assets | 79.2676% | 857 |
Net loans and leases to deposits | 93.8909% | 1,211 |
Net loans and leases to core deposits | 102.8176% | 1,579 |
Total domestic deposits to total assets | 84.4252% | 3,907 |
Equity capital to assets | 8.7524% | 5,933 |
Core capital (leverage) ratio | 8.3174% | 5,838 |
Tier 1 risk-based capital ratio | 10.5490% | 6,742 |
Total risk-based capital ratio | 11.8137% | 6,716 |
Memoranda: | ||
Average total assets | $264,826,000 | 2,445 |
Average earning assets | $242,738,500 | 2,438 |
Average equity | $22,937,750 | 2,813 |
Average total loans | $211,098,000 | 2,088 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.8466% | 1,310 |
Cost of funding earning assets | 1.6324% | 2,469 |
Net interest margin | 4.2142% | 2,114 |
Noninterest income to average assets | 0.5210% | 3,950 |
Noninterest expense to average assets | 3.2998% | 2,562 |
Loan and lease loss provision to assets | 1.7331% | 723 |
Net operating income to assets | -0.3719% | 6,538 |
Return on assets (ROA) | -0.3561% | 6,568 |
Pretax return on assets | -0.6207% | 6,676 |
Return on Equity (ROE) | -4.1250% | 6,629 |
Retained earnings to average equity (ytd only) | -6.6174% | 6,706 |
Net charge-offs to loans | 0.5156% | 2,986 |
Credit loss provision to net charge-offs | 424.2202% | 856 |
Earnings coverage of net charge-offs (x) | 2.6624% | 3,666 |
Efficiency ratio | 74.4746% | 3,378 |
Assets per employee ($millions) | 2.4335% | 7,185 |
Cash dividends to net income (ytd only)* | -60.4211% | 7,771 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.3590% | 1,495 |
Loan loss allowance to noncurrent loans | 49.1532% | 5,012 |
Noncurrent assets plus other real estate owned to assets | 4.1116% | 1,656 |
Noncurrent loans to loans | 4.7993% | 1,478 |
Net loans and leases to total assets | 79.1709% | 923 |
Net loans and leases to deposits | 93.7383% | 1,313 |
Net loans and leases to core deposits | 104.0452% | 1,632 |
Total domestic deposits to total assets | 84.4595% | 3,892 |
Equity capital to assets | 8.7590% | 5,800 |
Core capital (leverage) ratio | 8.0226% | 6,247 |
Tier 1 risk-based capital ratio | 10.6033% | 6,602 |
Total risk-based capital ratio | 11.8679% | 6,593 |
Memoranda: | ||
Average total assets | $266,801,670 | 2,445 |
Average earning assets | $244,791,330 | 2,446 |
Average equity | $23,030,330 | 2,796 |
Average total loans | $211,410,000 | 2,107 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.7344% | 1,659 |
Cost of funding earning assets | 1.7461% | 2,147 |
Net interest margin | 3.9883% | 2,923 |
Noninterest income to average assets | 0.6238% | 3,127 |
Noninterest expense to average assets | 3.2430% | 2,722 |
Loan and lease loss provision to assets | 0.8996% | 1,415 |
Net operating income to assets | 0.1209% | 5,967 |
Return on assets (ROA) | 0.1652% | 5,936 |
Pretax return on assets | 0.1814% | 5,940 |
Return on Equity (ROE) | 1.9270% | 5,792 |
Retained earnings to average equity (ytd only) | -3.0109% | 6,365 |
Net charge-offs to loans | 0.2560% | 3,407 |
Credit loss provision to net charge-offs | 448.5294% | 940 |
Earnings coverage of net charge-offs (x) | 5.1471% | 2,455 |
Efficiency ratio | 75.1294% | 3,373 |
Assets per employee ($millions) | 2.5673% | 7,103 |
Cash dividends to net income (ytd only)* | 256.2500% | 121 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7247% | 2,972 |
Loan loss allowance to noncurrent loans | 42.6197% | 5,510 |
Noncurrent assets plus other real estate owned to assets | 3.3583% | 2,120 |
Noncurrent loans to loans | 4.0468% | 1,929 |
Net loans and leases to total assets | 76.9615% | 1,337 |
Net loans and leases to deposits | 90.8205% | 1,781 |
Net loans and leases to core deposits | 107.3596% | 1,468 |
Total domestic deposits to total assets | 84.7401% | 3,782 |
Equity capital to assets | 8.5848% | 5,892 |
Core capital (leverage) ratio | 8.1164% | 6,044 |
Tier 1 risk-based capital ratio | 10.6198% | 6,523 |
Total risk-based capital ratio | 11.8762% | 6,505 |
Memoranda: | ||
Average total assets | $271,227,000 | 2,462 |
Average earning assets | $248,326,500 | 2,466 |
Average equity | $23,248,500 | 2,800 |
Average total loans | $212,537,000 | 2,156 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.0481% | 1,678 |
Cost of funding earning assets | 2.0333% | 2,805 |
Net interest margin | 4.0148% | 2,810 |
Noninterest income to average assets | 0.4853% | 4,524 |
Noninterest expense to average assets | 3.9726% | 1,397 |
Loan and lease loss provision to assets | 0.7668% | 2,810 |
Net operating income to assets | -0.2807% | 5,948 |
Return on assets (ROA) | -0.2807% | 5,946 |
Pretax return on assets | -0.5750% | 6,074 |
Return on Equity (ROE) | -3.0992% | 5,999 |
Retained earnings to average equity (ytd only) | -4.0560% | 5,876 |
Net charge-offs to loans | 0.9150% | 2,560 |
Credit loss provision to net charge-offs | 104.4661% | 5,294 |
Earnings coverage of net charge-offs (x) | 0.2613% | 5,856 |
Efficiency ratio | 80.1484% | 2,865 |
Assets per employee ($millions) | 2.6494% | 6,951 |
Cash dividends to net income (ytd only)* | -30.8725% | 7,751 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4801% | 3,837 |
Loan loss allowance to noncurrent loans | 44.5116% | 5,434 |
Noncurrent assets plus other real estate owned to assets | 2.8836% | 2,432 |
Noncurrent loans to loans | 3.3253% | 2,291 |
Net loans and leases to total assets | 77.2493% | 1,533 |
Net loans and leases to deposits | 92.2506% | 1,860 |
Net loans and leases to core deposits | 106.4356% | 3,285 |
Total domestic deposits to total assets | 83.7385% | 4,161 |
Equity capital to assets | 8.5586% | 5,795 |
Core capital (leverage) ratio | 8.3353% | 5,550 |
Tier 1 risk-based capital ratio | 10.3666% | 6,525 |
Total risk-based capital ratio | 11.6196% | 6,490 |
Memoranda: | ||
Average total assets | $265,393,600 | 2,468 |
Average earning assets | $243,199,200 | 2,473 |
Average equity | $24,038,400 | 2,724 |
Average total loans | $212,890,000 | 2,163 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.0019% | 2,036 |
Cost of funding earning assets | 2.1133% | 2,835 |
Net interest margin | 3.8886% | 3,272 |
Noninterest income to average assets | 0.4989% | 4,490 |
Noninterest expense to average assets | 3.4192% | 2,515 |
Loan and lease loss provision to assets | 0.5641% | 3,135 |
Net operating income to assets | 0.1022% | 5,458 |
Return on assets (ROA) | 0.1022% | 5,505 |
Pretax return on assets | 0.0840% | 5,557 |
Return on Equity (ROE) | 1.1125% | 5,459 |
Retained earnings to average equity (ytd only) | 0.0055% | 5,201 |
Net charge-offs to loans | 0.5443% | 3,054 |
Credit loss provision to net charge-offs | 128.4562% | 3,908 |
Earnings coverage of net charge-offs (x) | 1.4758% | 4,680 |
Efficiency ratio | 83.2691% | 2,394 |
Assets per employee ($millions) | 2.5775% | 7,092 |
Cash dividends to net income (ytd only)* | 99.5025% | 577 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5509% | 3,192 |
Loan loss allowance to noncurrent loans | 41.0032% | 5,599 |
Noncurrent assets plus other real estate owned to assets | 3.4737% | 1,920 |
Noncurrent loans to loans | 3.7824% | 1,967 |
Net loans and leases to total assets | 81.1265% | 957 |
Net loans and leases to deposits | 98.3125% | 1,288 |
Net loans and leases to core deposits | 114.3127% | 2,800 |
Total domestic deposits to total assets | 82.5190% | 4,440 |
Equity capital to assets | 9.3851% | 4,906 |
Core capital (leverage) ratio | 8.2045% | 6,006 |
Tier 1 risk-based capital ratio | 10.3696% | 6,603 |
Total risk-based capital ratio | 11.6240% | 6,539 |
Memoranda: | ||
Average total assets | $263,521,000 | 2,496 |
Average earning assets | $241,828,250 | 2,500 |
Average equity | $24,209,250 | 2,717 |
Average total loans | $212,620,500 | 2,196 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.9208% | 2,493 |
Cost of funding earning assets | 2.1216% | 3,181 |
Net interest margin | 3.7992% | 3,558 |
Noninterest income to average assets | 0.5117% | 4,341 |
Noninterest expense to average assets | 3.4673% | 2,434 |
Loan and lease loss provision to assets | 0.5027% | 3,022 |
Net operating income to assets | 0.0559% | 5,695 |
Return on assets (ROA) | 0.0559% | 5,784 |
Pretax return on assets | 0.0287% | 5,814 |
Return on Equity (ROE) | 0.6132% | 5,750 |
Retained earnings to average equity (ytd only) | -0.8038% | 5,431 |
Net charge-offs to loans | 0.3783% | 3,302 |
Credit loss provision to net charge-offs | 165.8354% | 2,766 |
Earnings coverage of net charge-offs (x) | 1.7531% | 4,244 |
Efficiency ratio | 85.8979% | 2,240 |
Assets per employee ($millions) | 2.5552% | 7,136 |
Cash dividends to net income (ytd only)* | 231.0811% | 180 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5798% | 2,829 |
Loan loss allowance to noncurrent loans | 41.3657% | 5,598 |
Noncurrent assets plus other real estate owned to assets | 3.4052% | 1,839 |
Noncurrent loans to loans | 3.8191% | 1,792 |
Net loans and leases to total assets | 78.3959% | 1,661 |
Net loans and leases to deposits | 94.4421% | 2,020 |
Net loans and leases to core deposits | 110.1449% | 3,357 |
Total domestic deposits to total assets | 83.0095% | 4,230 |
Equity capital to assets | 9.0597% | 5,230 |
Core capital (leverage) ratio | 8.1637% | 6,049 |
Tier 1 risk-based capital ratio | 10.3471% | 6,534 |
Total risk-based capital ratio | 11.6017% | 6,471 |
Memoranda: | ||
Average total assets | $264,585,330 | 2,495 |
Average earning assets | $242,838,000 | 2,497 |
Average equity | $24,135,000 | 2,739 |
Average total loans | $211,986,670 | 2,229 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.8570% | 3,007 |
Cost of funding earning assets | 2.1643% | 3,350 |
Net interest margin | 3.6926% | 3,922 |
Noninterest income to average assets | 0.5121% | 4,210 |
Noninterest expense to average assets | 3.4696% | 2,173 |
Loan and lease loss provision to assets | 0.4394% | 2,726 |
Net operating income to assets | 0.0439% | 6,148 |
Return on assets (ROA) | 0.0439% | 6,294 |
Pretax return on assets | -0.0106% | 6,391 |
Return on Equity (ROE) | 0.4800% | 6,281 |
Retained earnings to average equity (ytd only) | -1.8870% | 6,078 |
Net charge-offs to loans | 0.1320% | 3,905 |
Credit loss provision to net charge-offs | 414.2857% | 1,273 |
Earnings coverage of net charge-offs (x) | 4.0429% | 2,993 |
Efficiency ratio | 88.1850% | 1,881 |
Assets per employee ($millions) | 2.2876% | 7,602 |
Cash dividends to net income (ytd only)* | 493.1034% | 71 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5565% | 2,697 |
Loan loss allowance to noncurrent loans | 48.4297% | 5,291 |
Noncurrent assets plus other real estate owned to assets | 3.1687% | 1,760 |
Noncurrent loans to loans | 3.2139% | 2,013 |
Net loans and leases to total assets | 80.7438% | 1,244 |
Net loans and leases to deposits | 97.8060% | 1,693 |
Net loans and leases to core deposits | 114.6998% | 2,936 |
Total domestic deposits to total assets | 82.5551% | 4,352 |
Equity capital to assets | 9.3317% | 4,888 |
Core capital (leverage) ratio | 8.2022% | 6,097 |
Tier 1 risk-based capital ratio | 10.4779% | 6,418 |
Total risk-based capital ratio | 11.7327% | 6,329 |
Memoranda: | ||
Average total assets | $264,009,500 | 2,514 |
Average earning assets | $242,105,500 | 2,518 |
Average equity | $24,165,000 | 2,746 |
Average total loans | $212,144,500 | 2,249 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.5712% | 2,618 |
Cost of funding earning assets | 2.4974% | 4,220 |
Net interest margin | 4.0739% | 2,818 |
Noninterest income to average assets | 0.1146% | 7,548 |
Noninterest expense to average assets | 3.3710% | 2,760 |
Loan and lease loss provision to assets | 1.4256% | 964 |
Net operating income to assets | -0.5576% | 6,962 |
Return on assets (ROA) | -0.5576% | 6,851 |
Pretax return on assets | -0.9519% | 6,972 |
Return on Equity (ROE) | -6.1607% | 6,972 |
Retained earnings to average equity (ytd only) | -9.2432% | 6,994 |
Net charge-offs to loans | 1.5122% | 767 |
Credit loss provision to net charge-offs | 117.2954% | 4,589 |
Earnings coverage of net charge-offs (x) | 0.3897% | 5,999 |
Efficiency ratio | 86.8115% | 1,778 |
Assets per employee ($millions) | 2.3852% | 7,425 |
Cash dividends to net income (ytd only)* | -50.0348% | 8,064 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4510% | 2,917 |
Loan loss allowance to noncurrent loans | 83.3559% | 4,016 |
Noncurrent assets plus other real estate owned to assets | 1.8651% | 2,642 |
Noncurrent loans to loans | 1.7407% | 3,159 |
Net loans and leases to total assets | 77.6147% | 2,231 |
Net loans and leases to deposits | 93.3397% | 2,889 |
Net loans and leases to core deposits | 111.6740% | 3,597 |
Total domestic deposits to total assets | 83.1530% | 3,703 |
Equity capital to assets | 8.9817% | 5,391 |
Core capital (leverage) ratio | 8.1671% | 6,225 |
Tier 1 risk-based capital ratio | 10.4276% | 6,288 |
Total risk-based capital ratio | 11.6805% | 6,156 |
Memoranda: | ||
Average total assets | $257,372,600 | 2,490 |
Average earning assets | $235,648,800 | 2,499 |
Average equity | $23,292,800 | 2,813 |
Average total loans | $206,845,600 | 2,231 |