Home > South Central Bank of Monroe County > Performance and Condition Ratios
South Central Bank of Monroe County, 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 | 4.3155% | 2,550 |
Cost of funding earning assets | 0.6505% | 1,403 |
Net interest margin | 3.6651% | 3,146 |
Noninterest income to average assets | 1.0554% | 1,092 |
Noninterest expense to average assets | 3.4332% | 1,635 |
Loan and lease loss provision to assets | 0.0000% | 4,603 |
Net operating income to assets | 0.7517% | 3,626 |
Return on assets (ROA) | 0.7517% | 3,722 |
Pretax return on assets | 1.0821% | 3,158 |
Return on Equity (ROE) | 6.6969% | 3,791 |
Retained earnings to average equity (ytd only) | 2.4231% | 4,509 |
Net charge-offs to loans | 0.2163% | 1,937 |
Credit loss provision to net charge-offs | 0.0000% | 4,203 |
Earnings coverage of net charge-offs (x) | 8.2089% | 2,914 |
Efficiency ratio | 76.0347% | 2,504 |
Assets per employee ($millions) | 4.2663% | 3,425 |
Cash dividends to net income (ytd only)* | 63.8180% | 1,564 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1691% | 4,175 |
Loan loss allowance to noncurrent loans | 341.4449% | 1,459 |
Noncurrent assets plus other real estate owned to assets | 0.5344% | 4,016 |
Noncurrent loans to loans | 0.3424% | 4,628 |
Net loans and leases to total assets | 59.3142% | 3,873 |
Net loans and leases to deposits | 69.9948% | 3,906 |
Net loans and leases to core deposits | 78.4659% | 3,472 |
Total domestic deposits to total assets | 84.7408% | 3,402 |
Equity capital to assets | 10.9252% | 2,978 |
Core capital (leverage) ratio | 11.0914% | 2,325 |
Tier 1 risk-based capital ratio | 16.8583% | 2,571 |
Total risk-based capital ratio | 17.9274% | 2,592 |
Memoranda: | ||
Average total assets | $119,857,400 | 4,182 |
Average earning assets | $113,149,000 | 4,110 |
Average equity | $13,454,000 | 4,112 |
Average total loans | $73,060,400 | 4,095 |
2014-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3245% | 2,522 |
Cost of funding earning assets | 0.6540% | 1,433 |
Net interest margin | 3.6704% | 3,151 |
Noninterest income to average assets | 1.1022% | 999 |
Noninterest expense to average assets | 3.4706% | 1,524 |
Loan and lease loss provision to assets | 0.0000% | 4,401 |
Net operating income to assets | 0.7740% | 3,542 |
Return on assets (ROA) | 0.7740% | 3,650 |
Pretax return on assets | 1.1180% | 3,117 |
Return on Equity (ROE) | 6.8458% | 3,791 |
Retained earnings to average equity (ytd only) | 3.6931% | 4,011 |
Net charge-offs to loans | 0.2533% | 1,527 |
Credit loss provision to net charge-offs | 0.0000% | 3,801 |
Earnings coverage of net charge-offs (x) | 7.2118% | 2,957 |
Efficiency ratio | 75.6350% | 2,551 |
Assets per employee ($millions) | 3.7278% | 4,439 |
Cash dividends to net income (ytd only)* | 46.0525% | 2,039 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2296% | 4,073 |
Loan loss allowance to noncurrent loans | 303.3003% | 1,515 |
Noncurrent assets plus other real estate owned to assets | 0.6564% | 3,867 |
Noncurrent loans to loans | 0.4054% | 4,692 |
Net loans and leases to total assets | 61.8845% | 3,502 |
Net loans and leases to deposits | 75.8682% | 3,195 |
Net loans and leases to core deposits | 83.3601% | 2,955 |
Total domestic deposits to total assets | 81.5684% | 4,639 |
Equity capital to assets | 11.5165% | 2,467 |
Core capital (leverage) ratio | 11.8527% | 1,790 |
Tier 1 risk-based capital ratio | 17.3896% | 2,434 |
Total risk-based capital ratio | 18.5147% | 2,456 |
Memoranda: | ||
Average total assets | $117,824,750 | 4,265 |
Average earning assets | $111,918,750 | 4,177 |
Average equity | $13,321,750 | 4,158 |
Average total loans | $72,122,250 | 4,153 |
2014-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2880% | 2,623 |
Cost of funding earning assets | 0.6565% | 1,459 |
Net interest margin | 3.6315% | 3,228 |
Noninterest income to average assets | 1.0415% | 1,094 |
Noninterest expense to average assets | 3.5215% | 1,437 |
Loan and lease loss provision to assets | 0.0000% | 4,196 |
Net operating income to assets | 0.6716% | 3,984 |
Return on assets (ROA) | 0.6716% | 4,080 |
Pretax return on assets | 0.9613% | 3,638 |
Return on Equity (ROE) | 5.9774% | 4,160 |
Retained earnings to average equity (ytd only) | 4.5361% | 3,292 |
Net charge-offs to loans | 0.1600% | 2,111 |
Credit loss provision to net charge-offs | 0.0000% | 3,401 |
Earnings coverage of net charge-offs (x) | 9.8947% | 2,303 |
Efficiency ratio | 78.5551% | 2,220 |
Assets per employee ($millions) | 3.5049% | 4,840 |
Cash dividends to net income (ytd only)* | 24.1117% | 3,028 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3783% | 3,461 |
Loan loss allowance to noncurrent loans | 285.4286% | 1,573 |
Noncurrent assets plus other real estate owned to assets | 0.7082% | 3,854 |
Noncurrent loans to loans | 0.4829% | 4,552 |
Net loans and leases to total assets | 59.9834% | 3,716 |
Net loans and leases to deposits | 71.3533% | 3,658 |
Net loans and leases to core deposits | 78.1640% | 3,422 |
Total domestic deposits to total assets | 84.0654% | 3,901 |
Equity capital to assets | 11.4284% | 2,489 |
Core capital (leverage) ratio | 12.0240% | 1,637 |
Tier 1 risk-based capital ratio | 17.6196% | 2,376 |
Total risk-based capital ratio | 18.8650% | 2,349 |
Memoranda: | ||
Average total assets | $117,336,330 | 4,296 |
Average earning assets | $111,194,670 | 4,211 |
Average equity | $13,183,000 | 4,187 |
Average total loans | $71,249,330 | 4,194 |
2014-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3017% | 2,514 |
Cost of funding earning assets | 0.6660% | 1,466 |
Net interest margin | 3.6357% | 3,117 |
Noninterest income to average assets | 0.9964% | 1,134 |
Noninterest expense to average assets | 3.6042% | 1,300 |
Loan and lease loss provision to assets | 0.0000% | 3,817 |
Net operating income to assets | 0.5807% | 4,294 |
Return on assets (ROA) | 0.5807% | 4,361 |
Pretax return on assets | 0.8246% | 4,001 |
Return on Equity (ROE) | 5.2140% | 4,436 |
Retained earnings to average equity (ytd only) | 2.2831% | 4,688 |
Net charge-offs to loans | 0.2945% | 1,182 |
Credit loss provision to net charge-offs | 0.0000% | 2,688 |
Earnings coverage of net charge-offs (x) | 4.6154% | 2,499 |
Efficiency ratio | 81.3809% | 2,005 |
Assets per employee ($millions) | 3.4616% | 5,005 |
Cash dividends to net income (ytd only)* | 56.2130% | 1,515 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4136% | 3,532 |
Loan loss allowance to noncurrent loans | 248.5149% | 1,740 |
Noncurrent assets plus other real estate owned to assets | 0.8310% | 3,647 |
Noncurrent loans to loans | 0.5688% | 4,457 |
Net loans and leases to total assets | 59.4938% | 3,638 |
Net loans and leases to deposits | 69.9061% | 3,615 |
Net loans and leases to core deposits | 76.5673% | 3,354 |
Total domestic deposits to total assets | 85.1053% | 3,821 |
Equity capital to assets | 11.1697% | 2,557 |
Core capital (leverage) ratio | 11.8431% | 1,737 |
Tier 1 risk-based capital ratio | 17.8589% | 2,353 |
Total risk-based capital ratio | 19.1096% | 2,328 |
Memoranda: | ||
Average total assets | $116,420,500 | 4,357 |
Average earning assets | $109,910,500 | 4,273 |
Average equity | $12,965,000 | 4,243 |
Average total loans | $70,634,000 | 4,246 |
2013-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3862% | 2,630 |
Cost of funding earning assets | 0.7517% | 1,485 |
Net interest margin | 3.6346% | 3,311 |
Noninterest income to average assets | 1.1481% | 1,069 |
Noninterest expense to average assets | 3.5311% | 1,592 |
Loan and lease loss provision to assets | 0.1088% | 2,983 |
Net operating income to assets | 0.6450% | 4,053 |
Return on assets (ROA) | 0.6462% | 4,159 |
Pretax return on assets | 0.9279% | 3,654 |
Return on Equity (ROE) | 5.7681% | 4,231 |
Retained earnings to average equity (ytd only) | 2.0030% | 4,810 |
Net charge-offs to loans | 0.1446% | 3,356 |
Credit loss provision to net charge-offs | 129.0000% | 1,818 |
Earnings coverage of net charge-offs (x) | 12.2700% | 2,141 |
Efficiency ratio | 77.3323% | 2,565 |
Assets per employee ($millions) | 3.3867% | 5,121 |
Cash dividends to net income (ytd only)* | 65.2742% | 1,525 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5033% | 3,169 |
Loan loss allowance to noncurrent loans | 223.7288% | 1,914 |
Noncurrent assets plus other real estate owned to assets | 2.1633% | 1,650 |
Noncurrent loans to loans | 0.6719% | 4,297 |
Net loans and leases to total assets | 60.0861% | 3,700 |
Net loans and leases to deposits | 70.6519% | 3,709 |
Net loans and leases to core deposits | 79.4041% | 3,196 |
Total domestic deposits to total assets | 85.0453% | 3,719 |
Equity capital to assets | 11.1022% | 2,524 |
Core capital (leverage) ratio | 11.7915% | 1,763 |
Tier 1 risk-based capital ratio | 17.2933% | 2,496 |
Total risk-based capital ratio | 18.5445% | 2,468 |
Memoranda: | ||
Average total assets | $118,548,000 | 4,304 |
Average earning assets | $111,485,600 | 4,232 |
Average equity | $13,280,000 | 4,207 |
Average total loans | $69,151,600 | 4,301 |
2013-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3499% | 2,785 |
Cost of funding earning assets | 0.7628% | 1,526 |
Net interest margin | 3.5872% | 3,506 |
Noninterest income to average assets | 1.1401% | 1,126 |
Noninterest expense to average assets | 3.5019% | 1,611 |
Loan and lease loss provision to assets | 0.0715% | 3,636 |
Net operating income to assets | 0.6562% | 4,088 |
Return on assets (ROA) | 0.6577% | 4,212 |
Pretax return on assets | 0.9458% | 3,706 |
Return on Equity (ROE) | 5.8588% | 4,263 |
Retained earnings to average equity (ytd only) | 2.1287% | 5,040 |
Net charge-offs to loans | 0.1336% | 3,206 |
Credit loss provision to net charge-offs | 92.7536% | 2,562 |
Earnings coverage of net charge-offs (x) | 13.1736% | 2,052 |
Efficiency ratio | 77.5278% | 2,481 |
Assets per employee ($millions) | 3.4623% | 4,918 |
Cash dividends to net income (ytd only)* | 63.6679% | 1,318 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4724% | 3,576 |
Loan loss allowance to noncurrent loans | 174.7009% | 2,252 |
Noncurrent assets plus other real estate owned to assets | 2.1297% | 1,870 |
Noncurrent loans to loans | 0.8428% | 4,140 |
Net loans and leases to total assets | 58.0961% | 3,994 |
Net loans and leases to deposits | 68.2055% | 4,038 |
Net loans and leases to core deposits | 77.5887% | 3,409 |
Total domestic deposits to total assets | 85.1780% | 3,647 |
Equity capital to assets | 10.9780% | 2,775 |
Core capital (leverage) ratio | 11.4101% | 2,113 |
Tier 1 risk-based capital ratio | 17.5173% | 2,501 |
Total risk-based capital ratio | 18.7680% | 2,471 |
Memoranda: | ||
Average total assets | $119,398,000 | 4,327 |
Average earning assets | $112,397,000 | 4,252 |
Average equity | $13,404,000 | 4,232 |
Average total loans | $68,878,500 | 4,344 |
2013-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3008% | 2,950 |
Cost of funding earning assets | 0.7681% | 1,598 |
Net interest margin | 3.5327% | 3,645 |
Noninterest income to average assets | 1.0320% | 1,430 |
Noninterest expense to average assets | 3.4912% | 1,626 |
Loan and lease loss provision to assets | 0.0667% | 3,700 |
Net operating income to assets | 0.5629% | 4,488 |
Return on assets (ROA) | 0.5652% | 4,644 |
Pretax return on assets | 0.8053% | 4,297 |
Return on Equity (ROE) | 4.9984% | 4,736 |
Retained earnings to average equity (ytd only) | 1.3123% | 5,367 |
Net charge-offs to loans | 0.0262% | 4,329 |
Credit loss provision to net charge-offs | 444.4444% | 610 |
Earnings coverage of net charge-offs (x) | 57.8889% | 721 |
Efficiency ratio | 80.0765% | 2,146 |
Assets per employee ($millions) | 3.7020% | 4,396 |
Cash dividends to net income (ytd only)* | 73.7463% | 1,076 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5143% | 3,522 |
Loan loss allowance to noncurrent loans | 152.4496% | 2,491 |
Noncurrent assets plus other real estate owned to assets | 2.1407% | 2,012 |
Noncurrent loans to loans | 0.9933% | 3,948 |
Net loans and leases to total assets | 58.0835% | 3,970 |
Net loans and leases to deposits | 68.1429% | 3,990 |
Net loans and leases to core deposits | 77.8776% | 3,310 |
Total domestic deposits to total assets | 85.2377% | 3,772 |
Equity capital to assets | 10.9924% | 2,756 |
Core capital (leverage) ratio | 11.2577% | 2,123 |
Tier 1 risk-based capital ratio | 17.3865% | 2,560 |
Total risk-based capital ratio | 18.6379% | 2,530 |
Memoranda: | ||
Average total assets | $119,958,330 | 4,349 |
Average earning assets | $113,002,000 | 4,269 |
Average equity | $13,564,330 | 4,228 |
Average total loans | $68,701,000 | 4,359 |
2013-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2191% | 3,219 |
Cost of funding earning assets | 0.7741% | 1,685 |
Net interest margin | 3.4449% | 3,934 |
Noninterest income to average assets | 0.9710% | 1,552 |
Noninterest expense to average assets | 3.5027% | 1,616 |
Loan and lease loss provision to assets | 0.0000% | 4,409 |
Net operating income to assets | 0.5023% | 4,645 |
Return on assets (ROA) | 0.5070% | 4,767 |
Pretax return on assets | 0.7191% | 4,492 |
Return on Equity (ROE) | 4.4234% | 4,883 |
Retained earnings to average equity (ytd only) | 0.8095% | 5,512 |
Net charge-offs to loans | 0.0059% | 4,042 |
Credit loss provision to net charge-offs | 0.0000% | 3,239 |
Earnings coverage of net charge-offs (x) | 215.0000% | 189 |
Efficiency ratio | 83.0975% | 1,882 |
Assets per employee ($millions) | 3.7730% | 4,406 |
Cash dividends to net income (ytd only)* | 81.6993% | 871 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5142% | 3,761 |
Loan loss allowance to noncurrent loans | 150.0000% | 2,374 |
Noncurrent assets plus other real estate owned to assets | 2.1410% | 2,193 |
Noncurrent loans to loans | 1.0095% | 4,110 |
Net loans and leases to total assets | 55.2714% | 4,204 |
Net loans and leases to deposits | 67.4275% | 3,847 |
Net loans and leases to core deposits | 73.4007% | 3,651 |
Total domestic deposits to total assets | 81.9716% | 5,198 |
Equity capital to assets | 11.4530% | 2,457 |
Core capital (leverage) ratio | 11.2763% | 2,033 |
Tier 1 risk-based capital ratio | 18.1059% | 2,316 |
Total risk-based capital ratio | 19.3576% | 2,282 |
Memoranda: | ||
Average total assets | $120,705,500 | 4,385 |
Average earning assets | $113,674,000 | 4,293 |
Average equity | $13,835,500 | 4,226 |
Average total loans | $68,118,500 | 4,419 |
2012-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3750% | 3,925 |
Cost of funding earning assets | 0.8594% | 2,220 |
Net interest margin | 3.5157% | 4,434 |
Noninterest income to average assets | 0.9091% | 1,835 |
Noninterest expense to average assets | 3.4757% | 1,879 |
Loan and lease loss provision to assets | 0.0709% | 4,851 |
Net operating income to assets | 0.5014% | 4,688 |
Return on assets (ROA) | 0.5032% | 4,933 |
Pretax return on assets | 0.7100% | 4,636 |
Return on Equity (ROE) | 4.1556% | 5,078 |
Retained earnings to average equity (ytd only) | -2.3001% | 6,202 |
Net charge-offs to loans | 0.1733% | 3,990 |
Credit loss provision to net charge-offs | 70.3390% | 4,151 |
Earnings coverage of net charge-offs (x) | 7.7203% | 2,540 |
Efficiency ratio | 81.7032% | 1,915 |
Assets per employee ($millions) | 3.4478% | 5,114 |
Cash dividends to net income (ytd only)* | 155.3480% | 198 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4998% | 3,751 |
Loan loss allowance to noncurrent loans | 191.9626% | 1,916 |
Noncurrent assets plus other real estate owned to assets | 2.0311% | 2,414 |
Noncurrent loans to loans | 0.7813% | 4,620 |
Net loans and leases to total assets | 55.8952% | 4,311 |
Net loans and leases to deposits | 68.0258% | 3,977 |
Net loans and leases to core deposits | 73.6116% | 3,830 |
Total domestic deposits to total assets | 82.1677% | 5,037 |
Equity capital to assets | 11.4714% | 2,474 |
Core capital (leverage) ratio | 11.5035% | 1,872 |
Tier 1 risk-based capital ratio | 18.1211% | 2,219 |
Total risk-based capital ratio | 19.3725% | 2,190 |
Memoranda: | ||
Average total assets | $117,041,600 | 4,420 |
Average earning assets | $111,358,800 | 4,307 |
Average equity | $14,173,600 | 4,122 |
Average total loans | $68,094,600 | 4,420 |
2012-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4182% | 3,975 |
Cost of funding earning assets | 0.8735% | 2,371 |
Net interest margin | 3.5447% | 4,462 |
Noninterest income to average assets | 0.8771% | 1,921 |
Noninterest expense to average assets | 3.4695% | 1,831 |
Loan and lease loss provision to assets | 0.0138% | 5,639 |
Net operating income to assets | 0.5429% | 4,650 |
Return on assets (ROA) | 0.5453% | 4,904 |
Pretax return on assets | 0.7750% | 4,576 |
Return on Equity (ROE) | 4.4424% | 5,074 |
Retained earnings to average equity (ytd only) | 0.4677% | 5,950 |
Net charge-offs to loans | 0.1490% | 3,916 |
Credit loss provision to net charge-offs | 15.7895% | 5,011 |
Earnings coverage of net charge-offs (x) | 9.0001% | 2,376 |
Efficiency ratio | 81.5434% | 1,858 |
Assets per employee ($millions) | 3.5539% | 4,841 |
Cash dividends to net income (ytd only)* | 89.4729% | 469 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4624% | 4,102 |
Loan loss allowance to noncurrent loans | 45.9696% | 5,340 |
Noncurrent assets plus other real estate owned to assets | 2.1905% | 2,439 |
Noncurrent loans to loans | 3.1812% | 1,735 |
Net loans and leases to total assets | 57.3398% | 4,234 |
Net loans and leases to deposits | 70.5339% | 3,826 |
Net loans and leases to core deposits | 76.3546% | 3,682 |
Total domestic deposits to total assets | 81.2940% | 5,266 |
Equity capital to assets | 12.1745% | 2,132 |
Core capital (leverage) ratio | 11.9760% | 1,668 |
Tier 1 risk-based capital ratio | 19.1523% | 1,962 |
Total risk-based capital ratio | 20.4035% | 1,935 |
Memoranda: | ||
Average total assets | $116,133,500 | 4,481 |
Average earning assets | $110,660,500 | 4,373 |
Average equity | $14,256,250 | 4,151 |
Average total loans | $67,998,750 | 4,466 |
2012-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3924% | 4,212 |
Cost of funding earning assets | 0.8738% | 2,617 |
Net interest margin | 3.5186% | 4,593 |
Noninterest income to average assets | 0.9019% | 1,781 |
Noninterest expense to average assets | 3.4833% | 1,821 |
Loan and lease loss provision to assets | 0.0207% | 5,404 |
Net operating income to assets | 0.5349% | 4,657 |
Return on assets (ROA) | 0.5374% | 4,916 |
Pretax return on assets | 0.7620% | 4,598 |
Return on Equity (ROE) | 4.3652% | 5,106 |
Retained earnings to average equity (ytd only) | -0.5474% | 6,136 |
Net charge-offs to loans | 0.0795% | 4,351 |
Credit loss provision to net charge-offs | 44.4444% | 4,157 |
Earnings coverage of net charge-offs (x) | 16.7037% | 1,574 |
Efficiency ratio | 81.7187% | 1,922 |
Assets per employee ($millions) | 3.3800% | 5,251 |
Cash dividends to net income (ytd only)* | 112.5402% | 325 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5126% | 3,959 |
Loan loss allowance to noncurrent loans | 45.9009% | 5,332 |
Noncurrent assets plus other real estate owned to assets | 2.2206% | 2,518 |
Noncurrent loans to loans | 3.2954% | 1,772 |
Net loans and leases to total assets | 57.6242% | 4,229 |
Net loans and leases to deposits | 71.1408% | 3,747 |
Net loans and leases to core deposits | 77.1879% | 3,630 |
Total domestic deposits to total assets | 81.0002% | 5,469 |
Equity capital to assets | 11.9982% | 2,151 |
Core capital (leverage) ratio | 12.0377% | 1,586 |
Tier 1 risk-based capital ratio | 18.6861% | 2,077 |
Total risk-based capital ratio | 19.9390% | 2,030 |
Memoranda: | ||
Average total assets | $115,752,000 | 4,513 |
Average earning assets | $110,554,670 | 4,400 |
Average equity | $14,249,000 | 4,149 |
Average total loans | $67,916,670 | 4,492 |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4266% | 4,218 |
Cost of funding earning assets | 0.8941% | 2,739 |
Net interest margin | 3.5325% | 4,562 |
Noninterest income to average assets | 0.9749% | 1,499 |
Noninterest expense to average assets | 3.5955% | 1,570 |
Loan and lease loss provision to assets | 0.0419% | 4,868 |
Net operating income to assets | 0.4982% | 4,838 |
Return on assets (ROA) | 0.5032% | 5,024 |
Pretax return on assets | 0.7128% | 4,751 |
Return on Equity (ROE) | 4.0346% | 5,282 |
Retained earnings to average equity (ytd only) | 1.9332% | 5,289 |
Net charge-offs to loans | 0.1070% | 3,487 |
Credit loss provision to net charge-offs | 66.6667% | 2,983 |
Earnings coverage of net charge-offs (x) | 11.8889% | 1,638 |
Efficiency ratio | 82.7836% | 1,832 |
Assets per employee ($millions) | 3.3820% | 5,382 |
Cash dividends to net income (ytd only)* | 52.0833% | 1,412 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6003% | 3,718 |
Loan loss allowance to noncurrent loans | 38.1641% | 5,719 |
Noncurrent assets plus other real estate owned to assets | 2.6542% | 2,228 |
Noncurrent loans to loans | 4.1931% | 1,442 |
Net loans and leases to total assets | 56.4689% | 4,298 |
Net loans and leases to deposits | 67.9116% | 4,077 |
Net loans and leases to core deposits | 73.3499% | 3,977 |
Total domestic deposits to total assets | 83.1506% | 4,864 |
Equity capital to assets | 12.4334% | 1,765 |
Core capital (leverage) ratio | 12.3593% | 1,406 |
Tier 1 risk-based capital ratio | 19.8677% | 1,739 |
Total risk-based capital ratio | 21.1212% | 1,714 |
Memoranda: | ||
Average total assets | $114,477,500 | 4,584 |
Average earning assets | $109,159,000 | 4,454 |
Average equity | $14,276,500 | 4,141 |
Average total loans | $67,266,500 | 4,540 |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6732% | 4,361 |
Cost of funding earning assets | 1.0241% | 3,208 |
Net interest margin | 3.6492% | 4,526 |
Noninterest income to average assets | 0.9797% | 1,425 |
Noninterest expense to average assets | 3.4213% | 2,190 |
Loan and lease loss provision to assets | 0.0000% | 6,496 |
Net operating income to assets | 0.7161% | 3,412 |
Return on assets (ROA) | 0.7919% | 3,240 |
Pretax return on assets | 1.1502% | 2,649 |
Return on Equity (ROE) | 6.5204% | 3,629 |
Retained earnings to average equity (ytd only) | 3.6700% | 3,604 |
Net charge-offs to loans | 0.0158% | 6,219 |
Credit loss provision to net charge-offs | 0.0000% | 6,066 |
Earnings coverage of net charge-offs (x) | 109.2727% | 292 |
Efficiency ratio | 76.6828% | 2,797 |
Assets per employee ($millions) | 3.1657% | 5,780 |
Cash dividends to net income (ytd only)* | 43.7158% | 2,382 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5494% | 3,797 |
Loan loss allowance to noncurrent loans | 37.3812% | 5,750 |
Noncurrent assets plus other real estate owned to assets | 2.7429% | 2,214 |
Noncurrent loans to loans | 4.1448% | 1,489 |
Net loans and leases to total assets | 59.2124% | 4,150 |
Net loans and leases to deposits | 73.0530% | 3,655 |
Net loans and leases to core deposits | 78.4693% | 3,628 |
Total domestic deposits to total assets | 81.0540% | 5,428 |
Equity capital to assets | 12.5090% | 1,792 |
Core capital (leverage) ratio | 12.2330% | 1,473 |
Tier 1 risk-based capital ratio | 19.2060% | 1,841 |
Total risk-based capital ratio | 20.4598% | 1,804 |
Memoranda: | ||
Average total assets | $115,541,600 | 4,509 |
Average earning assets | $110,244,800 | 4,387 |
Average equity | $14,032,800 | 4,100 |
Average total loans | $69,739,400 | 4,501 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7047% | 4,436 |
Cost of funding earning assets | 1.0472% | 3,334 |
Net interest margin | 3.6575% | 4,538 |
Noninterest income to average assets | 0.9292% | 1,547 |
Noninterest expense to average assets | 3.3892% | 2,218 |
Loan and lease loss provision to assets | 0.0000% | 6,393 |
Net operating income to assets | 0.7063% | 3,583 |
Return on assets (ROA) | 0.7970% | 3,343 |
Pretax return on assets | 1.1638% | 2,771 |
Return on Equity (ROE) | 6.6107% | 3,712 |
Retained earnings to average equity (ytd only) | 4.4643% | 3,543 |
Net charge-offs to loans | -0.0723% | 7,115 |
Credit loss provision to net charge-offs | 0.0000% | 5,735 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 76.6849% | 2,722 |
Assets per employee ($millions) | 3.2174% | 5,634 |
Cash dividends to net income (ytd only)* | 32.4672% | 2,358 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6089% | 3,623 |
Loan loss allowance to noncurrent loans | 36.3309% | 5,875 |
Noncurrent assets plus other real estate owned to assets | 2.8862% | 2,243 |
Noncurrent loans to loans | 4.4285% | 1,461 |
Net loans and leases to total assets | 58.6582% | 4,383 |
Net loans and leases to deposits | 71.4119% | 4,082 |
Net loans and leases to core deposits | 75.6871% | 4,229 |
Total domestic deposits to total assets | 82.1406% | 5,036 |
Equity capital to assets | 12.3175% | 2,017 |
Core capital (leverage) ratio | 12.0864% | 1,660 |
Tier 1 risk-based capital ratio | 19.5036% | 1,815 |
Total risk-based capital ratio | 20.7586% | 1,781 |
Memoranda: | ||
Average total assets | $115,935,500 | 4,534 |
Average earning assets | $110,637,750 | 4,404 |
Average equity | $13,977,000 | 4,129 |
Average total loans | $70,038,250 | 4,525 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7834% | 4,157 |
Cost of funding earning assets | 1.0742% | 3,435 |
Net interest margin | 3.7092% | 4,217 |
Noninterest income to average assets | 0.9157% | 1,600 |
Noninterest expense to average assets | 3.3663% | 2,351 |
Loan and lease loss provision to assets | 0.0000% | 6,217 |
Net operating income to assets | 0.7435% | 3,325 |
Return on assets (ROA) | 0.8795% | 2,837 |
Pretax return on assets | 1.2865% | 2,178 |
Return on Equity (ROE) | 7.3485% | 3,268 |
Retained earnings to average equity (ytd only) | 5.1872% | 2,884 |
Net charge-offs to loans | 0.1421% | 4,345 |
Credit loss provision to net charge-offs | 0.0000% | 5,336 |
Earnings coverage of net charge-offs (x) | 12.6000% | 1,615 |
Efficiency ratio | 75.6003% | 3,087 |
Assets per employee ($millions) | 3.1588% | 5,730 |
Cash dividends to net income (ytd only)* | 29.4118% | 2,505 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4768% | 4,233 |
Loan loss allowance to noncurrent loans | 34.6545% | 6,005 |
Noncurrent assets plus other real estate owned to assets | 2.8466% | 2,357 |
Noncurrent loans to loans | 4.2614% | 1,591 |
Net loans and leases to total assets | 60.0179% | 4,269 |
Net loans and leases to deposits | 73.4772% | 3,882 |
Net loans and leases to core deposits | 77.9777% | 4,055 |
Total domestic deposits to total assets | 81.6824% | 5,280 |
Equity capital to assets | 12.4442% | 1,819 |
Core capital (leverage) ratio | 11.9375% | 1,635 |
Tier 1 risk-based capital ratio | 19.4010% | 1,740 |
Total risk-based capital ratio | 20.4587% | 1,751 |
Memoranda: | ||
Average total assets | $115,971,670 | 4,560 |
Average earning assets | $110,590,330 | 4,425 |
Average equity | $13,880,330 | 4,147 |
Average total loans | $70,366,670 | 4,564 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7284% | 4,379 |
Cost of funding earning assets | 1.0909% | 3,584 |
Net interest margin | 3.6375% | 4,383 |
Noninterest income to average assets | 0.8506% | 1,852 |
Noninterest expense to average assets | 3.4740% | 2,075 |
Loan and lease loss provision to assets | 0.0000% | 5,840 |
Net operating income to assets | 0.5920% | 4,072 |
Return on assets (ROA) | 0.5944% | 4,130 |
Pretax return on assets | 0.8540% | 3,691 |
Return on Equity (ROE) | 5.0637% | 4,370 |
Retained earnings to average equity (ytd only) | 2.8810% | 4,434 |
Net charge-offs to loans | -0.0846% | 7,040 |
Credit loss provision to net charge-offs | 0.0000% | 4,480 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 80.3318% | 2,469 |
Assets per employee ($millions) | 3.3091% | 5,454 |
Cash dividends to net income (ytd only)* | 43.1034% | 1,662 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5787% | 3,824 |
Loan loss allowance to noncurrent loans | 32.9398% | 6,104 |
Noncurrent assets plus other real estate owned to assets | 2.8518% | 2,419 |
Noncurrent loans to loans | 4.7927% | 1,421 |
Net loans and leases to total assets | 58.5650% | 4,537 |
Net loans and leases to deposits | 71.7869% | 4,100 |
Net loans and leases to core deposits | 76.3482% | 4,259 |
Total domestic deposits to total assets | 81.5818% | 5,465 |
Equity capital to assets | 11.9125% | 1,972 |
Core capital (leverage) ratio | 11.6342% | 1,779 |
Tier 1 risk-based capital ratio | 19.0265% | 1,792 |
Total risk-based capital ratio | 20.2801% | 1,756 |
Memoranda: | ||
Average total assets | $117,099,500 | 4,558 |
Average earning assets | $111,834,500 | 4,408 |
Average equity | $13,745,000 | 4,164 |
Average total loans | $70,913,500 | 4,588 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3347% | 2,961 |
Cost of funding earning assets | 1.3558% | 3,534 |
Net interest margin | 3.9789% | 3,109 |
Noninterest income to average assets | 0.9167% | 1,788 |
Noninterest expense to average assets | 3.1650% | 3,212 |
Loan and lease loss provision to assets | 0.0434% | 6,728 |
Net operating income to assets | 1.0206% | 1,964 |
Return on assets (ROA) | 1.0206% | 2,076 |
Pretax return on assets | 1.5011% | 1,370 |
Return on Equity (ROE) | 8.7705% | 2,390 |
Retained earnings to average equity (ytd only) | 2.3647% | 4,224 |
Net charge-offs to loans | 0.0617% | 6,169 |
Credit loss provision to net charge-offs | 110.8696% | 3,968 |
Earnings coverage of net charge-offs (x) | 39.4130% | 591 |
Efficiency ratio | 67.2033% | 4,724 |
Assets per employee ($millions) | 3.3823% | 5,213 |
Cash dividends to net income (ytd only)* | 73.0384% | 1,095 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4717% | 4,175 |
Loan loss allowance to noncurrent loans | 32.9849% | 6,117 |
Noncurrent assets plus other real estate owned to assets | 2.7480% | 2,540 |
Noncurrent loans to loans | 4.4617% | 1,591 |
Net loans and leases to total assets | 60.6831% | 4,551 |
Net loans and leases to deposits | 73.8286% | 4,220 |
Net loans and leases to core deposits | 78.5960% | 4,385 |
Total domestic deposits to total assets | 82.1945% | 5,128 |
Equity capital to assets | 11.5671% | 2,202 |
Core capital (leverage) ratio | 11.6011% | 1,780 |
Tier 1 risk-based capital ratio | 17.9560% | 2,010 |
Total risk-based capital ratio | 19.2082% | 1,972 |
Memoranda: | ||
Average total assets | $117,379,400 | 4,544 |
Average earning assets | $111,890,600 | 4,425 |
Average equity | $13,659,400 | 4,222 |
Average total loans | $74,529,200 | 4,505 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3785% | 2,981 |
Cost of funding earning assets | 1.4005% | 3,580 |
Net interest margin | 3.9780% | 3,197 |
Noninterest income to average assets | 0.8936% | 1,821 |
Noninterest expense to average assets | 3.1691% | 3,032 |
Loan and lease loss provision to assets | 0.0581% | 6,487 |
Net operating income to assets | 0.9903% | 2,270 |
Return on assets (ROA) | 0.9903% | 2,383 |
Pretax return on assets | 1.4559% | 1,732 |
Return on Equity (ROE) | 8.4973% | 2,687 |
Retained earnings to average equity (ytd only) | 0.6837% | 5,527 |
Net charge-offs to loans | 0.2402% | 4,503 |
Credit loss provision to net charge-offs | 37.7778% | 6,043 |
Earnings coverage of net charge-offs (x) | 9.8516% | 1,953 |
Efficiency ratio | 67.6714% | 4,529 |
Assets per employee ($millions) | 3.4979% | 4,986 |
Cash dividends to net income (ytd only)* | 91.9541% | 437 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3077% | 4,918 |
Loan loss allowance to noncurrent loans | 26.5301% | 6,544 |
Noncurrent assets plus other real estate owned to assets | 3.1641% | 2,274 |
Noncurrent loans to loans | 4.9292% | 1,418 |
Net loans and leases to total assets | 62.4423% | 4,439 |
Net loans and leases to deposits | 76.0398% | 4,171 |
Net loans and leases to core deposits | 80.3206% | 4,474 |
Total domestic deposits to total assets | 82.1179% | 4,945 |
Equity capital to assets | 11.4724% | 2,555 |
Core capital (leverage) ratio | 11.1766% | 2,141 |
Tier 1 risk-based capital ratio | 16.9628% | 2,350 |
Total risk-based capital ratio | 18.2138% | 2,316 |
Memoranda: | ||
Average total assets | $117,129,500 | 4,605 |
Average earning assets | $111,577,750 | 4,493 |
Average equity | $13,651,000 | 4,286 |
Average total loans | $74,934,250 | 4,566 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.4049% | 2,958 |
Cost of funding earning assets | 1.4359% | 3,634 |
Net interest margin | 3.9690% | 3,168 |
Noninterest income to average assets | 0.9577% | 1,490 |
Noninterest expense to average assets | 3.0979% | 3,335 |
Loan and lease loss provision to assets | 0.0343% | 6,611 |
Net operating income to assets | 1.0899% | 1,889 |
Return on assets (ROA) | 1.0899% | 1,958 |
Pretax return on assets | 1.6065% | 1,286 |
Return on Equity (ROE) | 9.3018% | 2,349 |
Retained earnings to average equity (ytd only) | -1.3184% | 6,031 |
Net charge-offs to loans | 0.1363% | 4,856 |
Credit loss provision to net charge-offs | 39.2157% | 5,623 |
Earnings coverage of net charge-offs (x) | 18.7451% | 1,277 |
Efficiency ratio | 65.3749% | 5,087 |
Assets per employee ($millions) | 3.4078% | 5,166 |
Cash dividends to net income (ytd only)* | 114.1732% | 326 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4009% | 4,413 |
Loan loss allowance to noncurrent loans | 27.6312% | 6,510 |
Noncurrent assets plus other real estate owned to assets | 3.3159% | 2,127 |
Noncurrent loans to loans | 5.0701% | 1,354 |
Net loans and leases to total assets | 62.9914% | 4,469 |
Net loans and leases to deposits | 77.2402% | 4,123 |
Net loans and leases to core deposits | 81.0494% | 4,547 |
Total domestic deposits to total assets | 81.5527% | 5,178 |
Equity capital to assets | 11.6748% | 2,299 |
Core capital (leverage) ratio | 11.0802% | 2,178 |
Tier 1 risk-based capital ratio | 17.1304% | 2,226 |
Total risk-based capital ratio | 18.3829% | 2,184 |
Memoranda: | ||
Average total assets | $116,529,670 | 4,643 |
Average earning assets | $111,009,670 | 4,536 |
Average equity | $13,653,330 | 4,280 |
Average total loans | $74,830,330 | 4,609 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.4891% | 2,638 |
Cost of funding earning assets | 1.4487% | 3,889 |
Net interest margin | 4.0405% | 2,696 |
Noninterest income to average assets | 0.9995% | 1,312 |
Noninterest expense to average assets | 3.0840% | 3,330 |
Loan and lease loss provision to assets | 0.0342% | 6,334 |
Net operating income to assets | 1.1535% | 1,670 |
Return on assets (ROA) | 1.1535% | 1,749 |
Pretax return on assets | 1.7285% | 1,004 |
Return on Equity (ROE) | 9.8276% | 2,163 |
Retained earnings to average equity (ytd only) | 7.6404% | 1,862 |
Net charge-offs to loans | -0.0479% | 7,336 |
Credit loss provision to net charge-offs | -111.1111% | 6,076 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 63.6299% | 5,560 |
Assets per employee ($millions) | 3.6311% | 4,742 |
Cash dividends to net income (ytd only)* | 22.2552% | 2,187 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4809% | 4,005 |
Loan loss allowance to noncurrent loans | 42.1318% | 5,544 |
Noncurrent assets plus other real estate owned to assets | 2.2333% | 3,233 |
Noncurrent loans to loans | 3.5149% | 2,265 |
Net loans and leases to total assets | 62.2354% | 4,713 |
Net loans and leases to deposits | 76.7789% | 4,264 |
Net loans and leases to core deposits | 80.3402% | 4,724 |
Total domestic deposits to total assets | 81.0579% | 5,440 |
Equity capital to assets | 11.9161% | 2,092 |
Core capital (leverage) ratio | 11.3776% | 1,981 |
Tier 1 risk-based capital ratio | 17.7330% | 2,012 |
Total risk-based capital ratio | 18.9859% | 1,983 |
Memoranda: | ||
Average total assets | $116,862,000 | 4,697 |
Average earning assets | $111,274,500 | 4,578 |
Average equity | $13,716,500 | 4,310 |
Average total loans | $75,234,500 | 4,670 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.7015% | 3,102 |
Cost of funding earning assets | 1.8907% | 3,513 |
Net interest margin | 3.8109% | 3,655 |
Noninterest income to average assets | 0.8633% | 2,125 |
Noninterest expense to average assets | 3.1364% | 3,595 |
Loan and lease loss provision to assets | 0.2716% | 5,237 |
Net operating income to assets | 0.6994% | 2,938 |
Return on assets (ROA) | 0.6994% | 3,005 |
Pretax return on assets | 1.0670% | 2,354 |
Return on Equity (ROE) | 6.2439% | 3,105 |
Retained earnings to average equity (ytd only) | 3.5918% | 2,668 |
Net charge-offs to loans | 0.2872% | 4,838 |
Credit loss provision to net charge-offs | 139.7380% | 3,493 |
Earnings coverage of net charge-offs (x) | 6.8865% | 2,267 |
Efficiency ratio | 70.0873% | 4,606 |
Assets per employee ($millions) | 3.1764% | 5,776 |
Cash dividends to net income (ytd only)* | 42.4757% | 2,806 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3819% | 4,324 |
Loan loss allowance to noncurrent loans | 41.6667% | 5,627 |
Noncurrent assets plus other real estate owned to assets | 2.5364% | 2,760 |
Noncurrent loans to loans | 3.3166% | 2,303 |
Net loans and leases to total assets | 64.6671% | 4,455 |
Net loans and leases to deposits | 80.0645% | 3,975 |
Net loans and leases to core deposits | 98.7976% | 4,139 |
Total domestic deposits to total assets | 80.7688% | 5,416 |
Equity capital to assets | 11.5606% | 2,273 |
Core capital (leverage) ratio | 11.3341% | 2,014 |
Tier 1 risk-based capital ratio | 15.8726% | 2,579 |
Total risk-based capital ratio | 17.1235% | 2,507 |
Memoranda: | ||
Average total assets | $117,809,800 | 4,637 |
Average earning assets | $111,654,600 | 4,518 |
Average equity | $13,196,800 | 4,457 |
Average total loans | $79,730,400 | 4,519 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.7330% | 3,175 |
Cost of funding earning assets | 1.9966% | 3,376 |
Net interest margin | 3.7364% | 3,927 |
Noninterest income to average assets | 0.8596% | 2,154 |
Noninterest expense to average assets | 3.2507% | 3,123 |
Loan and lease loss provision to assets | 0.3506% | 4,220 |
Net operating income to assets | 0.5180% | 3,909 |
Return on assets (ROA) | 0.5180% | 4,000 |
Pretax return on assets | 0.7974% | 3,551 |
Return on Equity (ROE) | 4.6617% | 4,093 |
Retained earnings to average equity (ytd only) | 2.3716% | 3,999 |
Net charge-offs to loans | 0.5042% | 3,210 |
Credit loss provision to net charge-offs | 101.9737% | 4,992 |
Earnings coverage of net charge-offs (x) | 3.3388% | 3,570 |
Efficiency ratio | 73.9007% | 3,878 |
Assets per employee ($millions) | 3.0229% | 6,099 |
Cash dividends to net income (ytd only)* | 49.1263% | 2,046 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2236% | 4,983 |
Loan loss allowance to noncurrent loans | 26.8661% | 6,672 |
Noncurrent assets plus other real estate owned to assets | 3.2071% | 2,114 |
Noncurrent loans to loans | 4.5543% | 1,525 |
Net loans and leases to total assets | 68.8024% | 3,769 |
Net loans and leases to deposits | 84.3245% | 3,597 |
Net loans and leases to core deposits | 104.8029% | 3,845 |
Total domestic deposits to total assets | 81.5924% | 4,835 |
Equity capital to assets | 11.6296% | 2,485 |
Core capital (leverage) ratio | 11.1967% | 2,265 |
Tier 1 risk-based capital ratio | 15.3599% | 2,890 |
Total risk-based capital ratio | 16.5644% | 2,849 |
Memoranda: | ||
Average total assets | $117,880,250 | 4,653 |
Average earning assets | $111,655,250 | 4,545 |
Average equity | $13,099,250 | 4,509 |
Average total loans | $80,396,250 | 4,540 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.7729% | 3,181 |
Cost of funding earning assets | 2.1120% | 3,213 |
Net interest margin | 3.6609% | 4,115 |
Noninterest income to average assets | 0.8563% | 2,157 |
Noninterest expense to average assets | 3.2805% | 3,049 |
Loan and lease loss provision to assets | 0.5215% | 2,937 |
Net operating income to assets | 0.3297% | 4,761 |
Return on assets (ROA) | 0.3297% | 4,876 |
Pretax return on assets | 0.5215% | 4,549 |
Return on Equity (ROE) | 3.0124% | 4,895 |
Retained earnings to average equity (ytd only) | 1.4755% | 4,505 |
Net charge-offs to loans | 0.5713% | 2,618 |
Credit loss provision to net charge-offs | 134.7826% | 3,458 |
Earnings coverage of net charge-offs (x) | 2.6957% | 3,734 |
Efficiency ratio | 75.8755% | 3,714 |
Assets per employee ($millions) | 2.9344% | 6,301 |
Cash dividends to net income (ytd only)* | 51.0204% | 1,999 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3347% | 4,073 |
Loan loss allowance to noncurrent loans | 39.0852% | 5,794 |
Noncurrent assets plus other real estate owned to assets | 2.4283% | 2,657 |
Noncurrent loans to loans | 3.4149% | 2,063 |
Net loans and leases to total assets | 67.8889% | 4,168 |
Net loans and leases to deposits | 84.2044% | 3,841 |
Net loans and leases to core deposits | 104.8532% | 3,973 |
Total domestic deposits to total assets | 80.6239% | 5,221 |
Equity capital to assets | 11.4182% | 2,590 |
Core capital (leverage) ratio | 10.8151% | 2,553 |
Tier 1 risk-based capital ratio | 15.4582% | 2,826 |
Total risk-based capital ratio | 16.7091% | 2,759 |
Memoranda: | ||
Average total assets | $118,883,330 | 4,664 |
Average earning assets | $112,596,000 | 4,549 |
Average equity | $13,012,670 | 4,535 |
Average total loans | $80,524,000 | 4,570 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.9125% | 2,738 |
Cost of funding earning assets | 2.1814% | 3,259 |
Net interest margin | 3.7311% | 3,755 |
Noninterest income to average assets | 0.7696% | 2,487 |
Noninterest expense to average assets | 2.9627% | 3,929 |
Loan and lease loss provision to assets | 0.9248% | 1,401 |
Net operating income to assets | 0.2741% | 5,393 |
Return on assets (ROA) | 0.2741% | 5,562 |
Pretax return on assets | 0.4129% | 5,355 |
Return on Equity (ROE) | 2.5567% | 5,547 |
Retained earnings to average equity (ytd only) | 1.0165% | 5,237 |
Net charge-offs to loans | 0.1523% | 3,738 |
Credit loss provision to net charge-offs | 903.2258% | 679 |
Earnings coverage of net charge-offs (x) | 13.0645% | 1,758 |
Efficiency ratio | 68.8940% | 4,794 |
Assets per employee ($millions) | 2.9832% | 6,202 |
Cash dividends to net income (ytd only)* | 60.2410% | 1,487 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5349% | 2,791 |
Loan loss allowance to noncurrent loans | 100.2465% | 3,060 |
Noncurrent assets plus other real estate owned to assets | 1.0953% | 4,496 |
Noncurrent loans to loans | 1.5311% | 3,987 |
Net loans and leases to total assets | 65.5867% | 4,674 |
Net loans and leases to deposits | 80.9081% | 4,471 |
Net loans and leases to core deposits | 102.6184% | 4,279 |
Total domestic deposits to total assets | 81.0633% | 4,941 |
Equity capital to assets | 10.9420% | 3,018 |
Core capital (leverage) ratio | 10.5452% | 2,877 |
Tier 1 risk-based capital ratio | 15.0687% | 3,033 |
Total risk-based capital ratio | 16.3217% | 2,974 |
Memoranda: | ||
Average total assets | $121,105,000 | 4,616 |
Average earning assets | $114,604,000 | 4,519 |
Average equity | $12,985,500 | 4,580 |
Average total loans | $81,414,500 | 4,572 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.4858% | 3,029 |
Cost of funding earning assets | 2.6527% | 3,408 |
Net interest margin | 3.8331% | 3,877 |
Noninterest income to average assets | 0.7879% | 2,583 |
Noninterest expense to average assets | 2.9083% | 4,420 |
Loan and lease loss provision to assets | 0.6542% | 2,224 |
Net operating income to assets | 0.5506% | 4,529 |
Return on assets (ROA) | 0.5506% | 4,375 |
Pretax return on assets | 0.8363% | 3,940 |
Return on Equity (ROE) | 5.3156% | 4,231 |
Retained earnings to average equity (ytd only) | 5.3156% | 1,854 |
Net charge-offs to loans | 0.9958% | 1,245 |
Credit loss provision to net charge-offs | 98.6146% | 5,427 |
Earnings coverage of net charge-offs (x) | 2.2469% | 4,954 |
Efficiency ratio | 66.1159% | 5,105 |
Assets per employee ($millions) | 3.1508% | 5,624 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1530% | 4,899 |
Loan loss allowance to noncurrent loans | 34.7433% | 6,418 |
Noncurrent assets plus other real estate owned to assets | 2.3242% | 2,092 |
Noncurrent loans to loans | 3.3187% | 1,559 |
Net loans and leases to total assets | 67.0437% | 4,628 |
Net loans and leases to deposits | 83.0660% | 4,569 |
Net loans and leases to core deposits | 106.2183% | 4,170 |
Total domestic deposits to total assets | 80.7114% | 4,769 |
Equity capital to assets | 10.5094% | 3,493 |
Core capital (leverage) ratio | 10.4312% | 3,037 |
Tier 1 risk-based capital ratio | 14.3344% | 3,374 |
Total risk-based capital ratio | 15.4736% | 3,356 |
Memoranda: | ||
Average total assets | $119,690,200 | 4,530 |
Average earning assets | $112,753,800 | 4,454 |
Average equity | $12,397,400 | 4,728 |
Average total loans | $79,737,200 | 4,523 |