Home > Steele Street Bank & Trust > Performance and Condition Ratios
Steele Street Bank & Trust, 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 | 4.4783% | 1,963 |
Cost of funding earning assets | 0.2694% | 5,106 |
Net interest margin | 4.2089% | 1,273 |
Noninterest income to average assets | 0.6628% | 2,489 |
Noninterest expense to average assets | 2.4027% | 4,837 |
Loan and lease loss provision to assets | 0.2254% | 1,087 |
Net operating income to assets | 1.9650% | 347 |
Return on assets (ROA) | 1.9650% | 361 |
Pretax return on assets | 1.9650% | 545 |
Return on Equity (ROE) | 19.3614% | 289 |
Retained earnings to average equity (ytd only) | 7.6581% | 1,136 |
Net charge-offs to loans | 0.0473% | 3,883 |
Credit loss provision to net charge-offs | 643.8144% | 410 |
Earnings coverage of net charge-offs (x) | 62.5670% | 765 |
Efficiency ratio | 52.3121% | 5,957 |
Assets per employee ($millions) | 9.5475% | 288 |
Cash dividends to net income (ytd only)* | 60.4463% | 1,718 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1693% | 4,173 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
Noncurrent loans to loans | 0.0000% | 5,950 |
Net loans and leases to total assets | 77.2136% | 1,105 |
Net loans and leases to deposits | 86.3034% | 1,943 |
Net loans and leases to core deposits | 101.6484% | 1,273 |
Total domestic deposits to total assets | 89.4676% | 985 |
Equity capital to assets | 10.1908% | 3,864 |
Core capital (leverage) ratio | 10.3018% | 3,169 |
Tier 1 risk-based capital ratio | 12.1259% | 5,283 |
Total risk-based capital ratio | 13.3186% | 5,222 |
Memoranda: | ||
Average total assets | $554,159,000 | 1,208 |
Average earning assets | $517,475,600 | 1,184 |
Average equity | $56,240,800 | 1,299 |
Average total loans | $410,406,600 | 1,069 |
2014-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4371% | 2,090 |
Cost of funding earning assets | 0.2698% | 5,203 |
Net interest margin | 4.1673% | 1,385 |
Noninterest income to average assets | 0.6991% | 2,329 |
Noninterest expense to average assets | 2.3959% | 4,841 |
Loan and lease loss provision to assets | 0.2766% | 747 |
Net operating income to assets | 1.9133% | 408 |
Return on assets (ROA) | 1.9133% | 424 |
Pretax return on assets | 1.9133% | 694 |
Return on Equity (ROE) | 18.8723% | 364 |
Retained earnings to average equity (ytd only) | 11.8667% | 426 |
Net charge-offs to loans | 0.0788% | 3,077 |
Credit loss provision to net charge-offs | 481.0127% | 589 |
Earnings coverage of net charge-offs (x) | 38.0804% | 1,170 |
Efficiency ratio | 52.2462% | 5,973 |
Assets per employee ($millions) | 9.4533% | 285 |
Cash dividends to net income (ytd only)* | 37.1211% | 2,478 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1808% | 4,337 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0552% | 5,926 |
Noncurrent loans to loans | 0.0000% | 6,061 |
Net loans and leases to total assets | 74.9817% | 1,367 |
Net loans and leases to deposits | 84.0782% | 2,138 |
Net loans and leases to core deposits | 100.8143% | 1,307 |
Total domestic deposits to total assets | 89.1808% | 1,137 |
Equity capital to assets | 10.3701% | 3,711 |
Core capital (leverage) ratio | 10.4022% | 3,152 |
Tier 1 risk-based capital ratio | 12.5913% | 5,118 |
Total risk-based capital ratio | 13.8113% | 5,067 |
Memoranda: | ||
Average total assets | $549,486,250 | 1,224 |
Average earning assets | $512,481,000 | 1,200 |
Average equity | $55,706,500 | 1,313 |
Average total loans | $401,120,500 | 1,094 |
2014-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3640% | 2,316 |
Cost of funding earning assets | 0.2630% | 5,357 |
Net interest margin | 4.1010% | 1,508 |
Noninterest income to average assets | 0.6663% | 2,451 |
Noninterest expense to average assets | 2.3868% | 4,916 |
Loan and lease loss provision to assets | 0.2712% | 764 |
Net operating income to assets | 1.8231% | 471 |
Return on assets (ROA) | 1.8231% | 484 |
Pretax return on assets | 1.8231% | 809 |
Return on Equity (ROE) | 18.1273% | 447 |
Retained earnings to average equity (ytd only) | 13.3933% | 300 |
Net charge-offs to loans | 0.0015% | 4,346 |
Credit loss provision to net charge-offs | 24,566.6667% | 10 |
Earnings coverage of net charge-offs (x) | 1,897.3333% | 18 |
Efficiency ratio | 53.2638% | 5,975 |
Assets per employee ($millions) | 9.0499% | 326 |
Cash dividends to net income (ytd only)* | 26.1150% | 2,944 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1864% | 4,487 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.1215% | 5,793 |
Noncurrent loans to loans | 0.0000% | 6,120 |
Net loans and leases to total assets | 72.9140% | 1,589 |
Net loans and leases to deposits | 81.6380% | 2,295 |
Net loans and leases to core deposits | 97.9177% | 1,453 |
Total domestic deposits to total assets | 89.3137% | 1,199 |
Equity capital to assets | 10.2478% | 3,761 |
Core capital (leverage) ratio | 10.4566% | 2,994 |
Tier 1 risk-based capital ratio | 12.6339% | 5,135 |
Total risk-based capital ratio | 13.8803% | 5,073 |
Memoranda: | ||
Average total assets | $543,583,000 | 1,238 |
Average earning assets | $505,634,670 | 1,218 |
Average equity | $54,669,000 | 1,328 |
Average total loans | $391,369,000 | 1,122 |
2014-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2986% | 2,524 |
Cost of funding earning assets | 0.2588% | 5,507 |
Net interest margin | 4.0397% | 1,632 |
Noninterest income to average assets | 0.6163% | 2,641 |
Noninterest expense to average assets | 2.3709% | 5,005 |
Loan and lease loss provision to assets | 0.2902% | 679 |
Net operating income to assets | 1.7022% | 575 |
Return on assets (ROA) | 1.7022% | 590 |
Pretax return on assets | 1.7022% | 972 |
Return on Equity (ROE) | 17.0956% | 522 |
Retained earnings to average equity (ytd only) | 7.3760% | 1,868 |
Net charge-offs to loans | 0.0063% | 3,530 |
Credit loss provision to net charge-offs | 6,466.6667% | 46 |
Earnings coverage of net charge-offs (x) | 444.0000% | 98 |
Efficiency ratio | 54.3366% | 5,986 |
Assets per employee ($millions) | 8.0824% | 462 |
Cash dividends to net income (ytd only)* | 56.8541% | 1,497 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1707% | 4,776 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.1298% | 5,859 |
Noncurrent loans to loans | 0.0000% | 6,210 |
Net loans and leases to total assets | 73.2733% | 1,388 |
Net loans and leases to deposits | 82.0599% | 2,038 |
Net loans and leases to core deposits | 98.7824% | 1,186 |
Total domestic deposits to total assets | 89.2924% | 1,475 |
Equity capital to assets | 10.2833% | 3,501 |
Core capital (leverage) ratio | 10.3605% | 3,103 |
Tier 1 risk-based capital ratio | 12.5674% | 5,272 |
Total risk-based capital ratio | 13.8109% | 5,218 |
Memoranda: | ||
Average total assets | $534,827,500 | 1,266 |
Average earning assets | $496,073,000 | 1,249 |
Average equity | $53,253,500 | 1,367 |
Average total loans | $380,039,500 | 1,159 |
2013-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4310% | 2,464 |
Cost of funding earning assets | 0.2705% | 5,828 |
Net interest margin | 4.1605% | 1,472 |
Noninterest income to average assets | 0.6325% | 2,900 |
Noninterest expense to average assets | 2.6669% | 4,221 |
Loan and lease loss provision to assets | 0.0624% | 3,889 |
Net operating income to assets | 1.8290% | 456 |
Return on assets (ROA) | 1.8308% | 461 |
Pretax return on assets | 1.8308% | 699 |
Return on Equity (ROE) | 18.2258% | 391 |
Retained earnings to average equity (ytd only) | 12.3139% | 285 |
Net charge-offs to loans | -0.0049% | 5,929 |
Credit loss provision to net charge-offs | -1,811.7647% | 6,306 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 58.5070% | 5,672 |
Assets per employee ($millions) | 8.7790% | 361 |
Cash dividends to net income (ytd only)* | 32.4372% | 3,175 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1272% | 5,016 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.1271% | 5,939 |
Noncurrent loans to loans | 0.0000% | 6,319 |
Net loans and leases to total assets | 67.3153% | 2,471 |
Net loans and leases to deposits | 74.8727% | 3,119 |
Net loans and leases to core deposits | 88.6934% | 2,164 |
Total domestic deposits to total assets | 89.9062% | 1,126 |
Equity capital to assets | 9.6423% | 4,229 |
Core capital (leverage) ratio | 10.4856% | 2,937 |
Tier 1 risk-based capital ratio | 12.7375% | 5,149 |
Total risk-based capital ratio | 13.9877% | 5,095 |
Memoranda: | ||
Average total assets | $493,723,400 | 1,347 |
Average earning assets | $465,856,200 | 1,307 |
Average equity | $49,594,400 | 1,422 |
Average total loans | $348,268,000 | 1,229 |
2013-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4424% | 2,449 |
Cost of funding earning assets | 0.2738% | 5,933 |
Net interest margin | 4.1686% | 1,428 |
Noninterest income to average assets | 0.6300% | 2,994 |
Noninterest expense to average assets | 2.5722% | 4,485 |
Loan and lease loss provision to assets | 0.0690% | 3,680 |
Net operating income to assets | 1.9425% | 406 |
Return on assets (ROA) | 1.9450% | 418 |
Pretax return on assets | 1.9450% | 658 |
Return on Equity (ROE) | 19.1460% | 363 |
Retained earnings to average equity (ytd only) | 11.1471% | 554 |
Net charge-offs to loans | -0.0054% | 5,792 |
Credit loss provision to net charge-offs | -1,778.5714% | 6,261 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 56.1158% | 5,887 |
Assets per employee ($millions) | 8.0250% | 459 |
Cash dividends to net income (ytd only)* | 41.7783% | 2,219 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1658% | 5,041 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.1414% | 6,023 |
Noncurrent loans to loans | 0.0000% | 6,405 |
Net loans and leases to total assets | 71.2654% | 1,734 |
Net loans and leases to deposits | 79.8706% | 2,430 |
Net loans and leases to core deposits | 94.8987% | 1,489 |
Total domestic deposits to total assets | 89.2261% | 1,443 |
Equity capital to assets | 10.3135% | 3,491 |
Core capital (leverage) ratio | 10.3940% | 3,110 |
Tier 1 risk-based capital ratio | 12.9683% | 5,147 |
Total risk-based capital ratio | 14.1871% | 5,108 |
Memoranda: | ||
Average total assets | $481,080,000 | 1,385 |
Average earning assets | $456,289,000 | 1,338 |
Average equity | $48,872,250 | 1,457 |
Average total loans | $342,692,000 | 1,247 |
2013-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4014% | 2,558 |
Cost of funding earning assets | 0.2660% | 6,069 |
Net interest margin | 4.1354% | 1,447 |
Noninterest income to average assets | 0.6026% | 3,173 |
Noninterest expense to average assets | 2.5191% | 4,659 |
Loan and lease loss provision to assets | 0.1263% | 2,745 |
Net operating income to assets | 1.9094% | 420 |
Return on assets (ROA) | 1.9090% | 455 |
Pretax return on assets | 1.9090% | 740 |
Return on Equity (ROE) | 18.8894% | 394 |
Retained earnings to average equity (ytd only) | 12.6867% | 419 |
Net charge-offs to loans | -0.0083% | 5,733 |
Credit loss provision to net charge-offs | -2,157.1429% | 6,150 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 55.3066% | 6,039 |
Assets per employee ($millions) | 7.4985% | 570 |
Cash dividends to net income (ytd only)* | 32.8368% | 2,555 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1859% | 5,065 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.2017% | 5,888 |
Noncurrent loans to loans | 0.0000% | 6,469 |
Net loans and leases to total assets | 72.3686% | 1,512 |
Net loans and leases to deposits | 80.9208% | 2,192 |
Net loans and leases to core deposits | 97.7740% | 1,229 |
Total domestic deposits to total assets | 89.4314% | 1,360 |
Equity capital to assets | 10.2254% | 3,632 |
Core capital (leverage) ratio | 10.4633% | 2,931 |
Tier 1 risk-based capital ratio | 13.2071% | 4,988 |
Total risk-based capital ratio | 14.4548% | 4,931 |
Memoranda: | ||
Average total assets | $478,265,000 | 1,395 |
Average earning assets | $457,081,670 | 1,333 |
Average equity | $48,334,000 | 1,474 |
Average total loans | $339,263,670 | 1,251 |
2013-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2485% | 3,122 |
Cost of funding earning assets | 0.2622% | 6,209 |
Net interest margin | 3.9863% | 1,842 |
Noninterest income to average assets | 0.5203% | 3,631 |
Noninterest expense to average assets | 2.3735% | 5,192 |
Loan and lease loss provision to assets | 0.1165% | 2,778 |
Net operating income to assets | 1.8381% | 447 |
Return on assets (ROA) | 1.8381% | 493 |
Pretax return on assets | 1.8381% | 821 |
Return on Equity (ROE) | 18.2967% | 413 |
Retained earnings to average equity (ytd only) | 5.7959% | 2,782 |
Net charge-offs to loans | -0.0168% | 5,641 |
Credit loss provision to net charge-offs | -992.8571% | 5,619 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 54.8393% | 6,170 |
Assets per employee ($millions) | 8.0870% | 473 |
Cash dividends to net income (ytd only)* | 68.3227% | 1,133 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1579% | 5,374 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.2511% | 5,824 |
Noncurrent loans to loans | 0.0000% | 6,535 |
Net loans and leases to total assets | 71.6525% | 1,407 |
Net loans and leases to deposits | 79.9881% | 2,071 |
Net loans and leases to core deposits | 98.5623% | 1,041 |
Total domestic deposits to total assets | 89.5790% | 1,310 |
Equity capital to assets | 10.1316% | 3,972 |
Core capital (leverage) ratio | 10.0303% | 3,337 |
Tier 1 risk-based capital ratio | 13.1561% | 5,098 |
Total risk-based capital ratio | 14.3910% | 5,069 |
Memoranda: | ||
Average total assets | $477,445,500 | 1,405 |
Average earning assets | $456,062,500 | 1,345 |
Average equity | $47,965,000 | 1,504 |
Average total loans | $333,161,500 | 1,278 |
2012-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6114% | 2,955 |
Cost of funding earning assets | 0.3403% | 6,271 |
Net interest margin | 4.2710% | 1,471 |
Noninterest income to average assets | 0.5851% | 3,363 |
Noninterest expense to average assets | 2.6582% | 4,547 |
Loan and lease loss provision to assets | 0.1700% | 3,492 |
Net operating income to assets | 1.8083% | 500 |
Return on assets (ROA) | 1.8307% | 547 |
Pretax return on assets | 1.8307% | 868 |
Return on Equity (ROE) | 17.7897% | 459 |
Retained earnings to average equity (ytd only) | 15.8785% | 129 |
Net charge-offs to loans | 0.0586% | 5,109 |
Credit loss provision to net charge-offs | 409.6591% | 587 |
Earnings coverage of net charge-offs (x) | 47.6648% | 696 |
Efficiency ratio | 57.3318% | 5,916 |
Assets per employee ($millions) | 8.3817% | 425 |
Cash dividends to net income (ytd only)* | 10.7433% | 4,055 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2021% | 5,102 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.2577% | 5,901 |
Noncurrent loans to loans | 0.0000% | 6,599 |
Net loans and leases to total assets | 66.2654% | 2,486 |
Net loans and leases to deposits | 73.8364% | 3,116 |
Net loans and leases to core deposits | 90.5088% | 1,782 |
Total domestic deposits to total assets | 89.7463% | 1,097 |
Equity capital to assets | 9.9609% | 4,222 |
Core capital (leverage) ratio | 10.2965% | 3,021 |
Tier 1 risk-based capital ratio | 13.8456% | 4,496 |
Total risk-based capital ratio | 15.0961% | 4,452 |
Memoranda: | ||
Average total assets | $424,048,800 | 1,549 |
Average earning assets | $402,246,200 | 1,494 |
Average equity | $43,637,600 | 1,597 |
Average total loans | $300,516,400 | 1,397 |
2012-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7264% | 2,682 |
Cost of funding earning assets | 0.3581% | 6,343 |
Net interest margin | 4.3683% | 1,291 |
Noninterest income to average assets | 0.5504% | 3,610 |
Noninterest expense to average assets | 2.6531% | 4,547 |
Loan and lease loss provision to assets | 0.2296% | 2,756 |
Net operating income to assets | 1.8028% | 564 |
Return on assets (ROA) | 1.8128% | 616 |
Pretax return on assets | 1.8128% | 1,009 |
Return on Equity (ROE) | 17.4533% | 557 |
Retained earnings to average equity (ytd only) | 14.8461% | 246 |
Net charge-offs to loans | 0.0794% | 4,601 |
Credit loss provision to net charge-offs | 401.7045% | 669 |
Earnings coverage of net charge-offs (x) | 35.5626% | 958 |
Efficiency ratio | 56.6251% | 5,977 |
Assets per employee ($millions) | 8.2861% | 431 |
Cash dividends to net income (ytd only)* | 14.9382% | 3,262 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2385% | 5,101 |
Loan loss allowance to noncurrent loans | 76,780.0000% | 3 |
Noncurrent assets plus other real estate owned to assets | 0.3405% | 5,834 |
Noncurrent loans to loans | 0.0016% | 6,691 |
Net loans and leases to total assets | 71.0487% | 1,714 |
Net loans and leases to deposits | 79.7665% | 2,424 |
Net loans and leases to core deposits | 95.0115% | 1,488 |
Total domestic deposits to total assets | 89.0708% | 1,390 |
Equity capital to assets | 10.6144% | 3,714 |
Core capital (leverage) ratio | 10.3887% | 3,052 |
Tier 1 risk-based capital ratio | 13.9791% | 4,541 |
Total risk-based capital ratio | 15.2298% | 4,487 |
Memoranda: | ||
Average total assets | $410,621,250 | 1,609 |
Average earning assets | $388,703,250 | 1,562 |
Average equity | $42,649,750 | 1,650 |
Average total loans | $295,535,250 | 1,435 |
2012-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7512% | 2,713 |
Cost of funding earning assets | 0.3707% | 6,415 |
Net interest margin | 4.3805% | 1,256 |
Noninterest income to average assets | 0.4506% | 4,280 |
Noninterest expense to average assets | 2.6043% | 4,767 |
Loan and lease loss provision to assets | 0.2526% | 2,557 |
Net operating income to assets | 1.7313% | 632 |
Return on assets (ROA) | 1.7313% | 713 |
Pretax return on assets | 1.7313% | 1,180 |
Return on Equity (ROE) | 16.7991% | 669 |
Retained earnings to average equity (ytd only) | 12.7915% | 460 |
Net charge-offs to loans | 0.1190% | 3,982 |
Credit loss provision to net charge-offs | 294.7977% | 993 |
Earnings coverage of net charge-offs (x) | 23.1561% | 1,260 |
Efficiency ratio | 56.7620% | 6,034 |
Assets per employee ($millions) | 8.4095% | 389 |
Cash dividends to net income (ytd only)* | 23.8558% | 2,854 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1881% | 5,406 |
Loan loss allowance to noncurrent loans | 33,118.1818% | 23 |
Noncurrent assets plus other real estate owned to assets | 0.3827% | 5,823 |
Noncurrent loans to loans | 0.0036% | 6,716 |
Net loans and leases to total assets | 72.0580% | 1,545 |
Net loans and leases to deposits | 80.5648% | 2,304 |
Net loans and leases to core deposits | 96.4890% | 1,392 |
Total domestic deposits to total assets | 89.4410% | 1,247 |
Equity capital to assets | 10.3103% | 3,925 |
Core capital (leverage) ratio | 10.2966% | 3,051 |
Tier 1 risk-based capital ratio | 13.4919% | 4,830 |
Total risk-based capital ratio | 14.7419% | 4,788 |
Memoranda: | ||
Average total assets | $403,870,000 | 1,637 |
Average earning assets | $381,460,330 | 1,586 |
Average equity | $41,621,330 | 1,682 |
Average total loans | $290,723,670 | 1,458 |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7037% | 3,039 |
Cost of funding earning assets | 0.3735% | 6,534 |
Net interest margin | 4.3302% | 1,378 |
Noninterest income to average assets | 0.3843% | 4,793 |
Noninterest expense to average assets | 2.6210% | 4,741 |
Loan and lease loss provision to assets | 0.2771% | 2,244 |
Net operating income to assets | 1.5653% | 920 |
Return on assets (ROA) | 1.5653% | 1,026 |
Pretax return on assets | 1.5653% | 1,686 |
Return on Equity (ROE) | 15.1929% | 935 |
Retained earnings to average equity (ytd only) | 7.0076% | 2,435 |
Net charge-offs to loans | 0.2419% | 2,723 |
Credit loss provision to net charge-offs | 160.2339% | 1,581 |
Earnings coverage of net charge-offs (x) | 10.6550% | 1,738 |
Efficiency ratio | 58.7222% | 5,812 |
Assets per employee ($millions) | 7.8288% | 519 |
Cash dividends to net income (ytd only)* | 53.8760% | 1,356 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1904% | 5,534 |
Loan loss allowance to noncurrent loans | 17,947.3684% | 31 |
Noncurrent assets plus other real estate owned to assets | 0.4202% | 5,813 |
Noncurrent loans to loans | 0.0066% | 6,782 |
Net loans and leases to total assets | 72.3065% | 1,349 |
Net loans and leases to deposits | 80.9791% | 2,063 |
Net loans and leases to core deposits | 97.2452% | 1,183 |
Total domestic deposits to total assets | 89.2904% | 1,486 |
Equity capital to assets | 10.5088% | 3,480 |
Core capital (leverage) ratio | 10.2005% | 3,106 |
Tier 1 risk-based capital ratio | 13.6976% | 4,680 |
Total risk-based capital ratio | 14.8597% | 4,731 |
Memoranda: | ||
Average total assets | $395,568,000 | 1,681 |
Average earning assets | $372,641,500 | 1,628 |
Average equity | $40,756,000 | 1,705 |
Average total loans | $282,771,500 | 1,499 |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9250% | 3,232 |
Cost of funding earning assets | 0.4688% | 6,658 |
Net interest margin | 4.4562% | 1,243 |
Noninterest income to average assets | 0.3943% | 4,661 |
Noninterest expense to average assets | 2.8409% | 4,195 |
Loan and lease loss provision to assets | 0.2161% | 4,031 |
Net operating income to assets | 1.5196% | 790 |
Return on assets (ROA) | 1.5196% | 858 |
Pretax return on assets | 1.5196% | 1,417 |
Return on Equity (ROE) | 15.3015% | 697 |
Retained earnings to average equity (ytd only) | 11.7090% | 330 |
Net charge-offs to loans | 0.2121% | 4,460 |
Credit loss provision to net charge-offs | 143.1338% | 2,030 |
Earnings coverage of net charge-offs (x) | 11.4947% | 1,718 |
Efficiency ratio | 62.0738% | 5,449 |
Assets per employee ($millions) | 7.9939% | 472 |
Cash dividends to net income (ytd only)* | 23.4780% | 3,398 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1849% | 5,467 |
Loan loss allowance to noncurrent loans | 1,847.4860% | 252 |
Noncurrent assets plus other real estate owned to assets | 0.6142% | 5,423 |
Noncurrent loans to loans | 0.0641% | 6,655 |
Net loans and leases to total assets | 68.9998% | 2,213 |
Net loans and leases to deposits | 76.9824% | 3,006 |
Net loans and leases to core deposits | 93.2041% | 1,778 |
Total domestic deposits to total assets | 89.6306% | 1,186 |
Equity capital to assets | 10.1017% | 4,033 |
Core capital (leverage) ratio | 10.1228% | 3,200 |
Tier 1 risk-based capital ratio | 13.5442% | 4,664 |
Total risk-based capital ratio | 14.7740% | 4,646 |
Memoranda: | ||
Average total assets | $376,147,600 | 1,729 |
Average earning assets | $353,036,200 | 1,679 |
Average equity | $37,355,800 | 1,800 |
Average total loans | $267,851,200 | 1,571 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9125% | 3,500 |
Cost of funding earning assets | 0.4954% | 6,713 |
Net interest margin | 4.4171% | 1,358 |
Noninterest income to average assets | 0.3903% | 4,741 |
Noninterest expense to average assets | 2.7756% | 4,442 |
Loan and lease loss provision to assets | 0.2582% | 3,437 |
Net operating income to assets | 1.5016% | 925 |
Return on assets (ROA) | 1.5016% | 1,011 |
Pretax return on assets | 1.5016% | 1,647 |
Return on Equity (ROE) | 15.1906% | 810 |
Retained earnings to average equity (ytd only) | 10.3019% | 766 |
Net charge-offs to loans | 0.2083% | 4,132 |
Credit loss provision to net charge-offs | 173.1884% | 1,727 |
Earnings coverage of net charge-offs (x) | 11.8043% | 1,781 |
Efficiency ratio | 61.1989% | 5,532 |
Assets per employee ($millions) | 7.0646% | 722 |
Cash dividends to net income (ytd only)* | 32.1823% | 2,378 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1800% | 5,551 |
Loan loss allowance to noncurrent loans | 841.2500% | 415 |
Noncurrent assets plus other real estate owned to assets | 0.7452% | 5,295 |
Noncurrent loans to loans | 0.1403% | 6,593 |
Net loans and leases to total assets | 73.8666% | 1,343 |
Net loans and leases to deposits | 82.4192% | 2,278 |
Net loans and leases to core deposits | 100.9280% | 1,167 |
Total domestic deposits to total assets | 89.6230% | 1,079 |
Equity capital to assets | 10.1203% | 4,186 |
Core capital (leverage) ratio | 10.3797% | 3,005 |
Tier 1 risk-based capital ratio | 12.6476% | 5,370 |
Total risk-based capital ratio | 13.8267% | 5,411 |
Memoranda: | ||
Average total assets | $370,261,000 | 1,762 |
Average earning assets | $347,461,500 | 1,715 |
Average equity | $36,600,750 | 1,840 |
Average total loans | $265,040,250 | 1,604 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8570% | 3,834 |
Cost of funding earning assets | 0.5246% | 6,765 |
Net interest margin | 4.3324% | 1,558 |
Noninterest income to average assets | 0.3880% | 4,773 |
Noninterest expense to average assets | 2.8359% | 4,286 |
Loan and lease loss provision to assets | 0.2723% | 3,214 |
Net operating income to assets | 1.3489% | 1,194 |
Return on assets (ROA) | 1.3489% | 1,269 |
Pretax return on assets | 1.3489% | 1,966 |
Return on Equity (ROE) | 13.7594% | 1,029 |
Retained earnings to average equity (ytd only) | 7.5365% | 1,643 |
Net charge-offs to loans | 0.1525% | 4,269 |
Credit loss provision to net charge-offs | 253.2995% | 1,196 |
Earnings coverage of net charge-offs (x) | 15.0812% | 1,428 |
Efficiency ratio | 63.6263% | 5,315 |
Assets per employee ($millions) | 7.0234% | 712 |
Cash dividends to net income (ytd only)* | 45.2265% | 1,858 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2344% | 5,397 |
Loan loss allowance to noncurrent loans | 1,789.3617% | 233 |
Noncurrent assets plus other real estate owned to assets | 0.8490% | 5,173 |
Noncurrent loans to loans | 0.0690% | 6,809 |
Net loans and leases to total assets | 75.1443% | 1,213 |
Net loans and leases to deposits | 84.0200% | 2,106 |
Net loans and leases to core deposits | 104.8130% | 998 |
Total domestic deposits to total assets | 89.4362% | 1,273 |
Equity capital to assets | 10.3357% | 3,702 |
Core capital (leverage) ratio | 9.6713% | 3,701 |
Tier 1 risk-based capital ratio | 12.4832% | 5,363 |
Total risk-based capital ratio | 13.6969% | 5,377 |
Memoranda: | ||
Average total assets | $366,518,330 | 1,785 |
Average earning assets | $344,246,000 | 1,742 |
Average equity | $35,931,670 | 1,865 |
Average total loans | $258,334,330 | 1,662 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6685% | 4,652 |
Cost of funding earning assets | 0.5364% | 6,845 |
Net interest margin | 4.1321% | 2,148 |
Noninterest income to average assets | 0.3270% | 5,294 |
Noninterest expense to average assets | 2.7344% | 4,702 |
Loan and lease loss provision to assets | 0.2838% | 2,876 |
Net operating income to assets | 1.1989% | 1,525 |
Return on assets (ROA) | 1.1989% | 1,570 |
Pretax return on assets | 1.1989% | 2,372 |
Return on Equity (ROE) | 12.5585% | 1,309 |
Retained earnings to average equity (ytd only) | 2.4416% | 4,686 |
Net charge-offs to loans | 0.2324% | 3,151 |
Credit loss provision to net charge-offs | 180.1370% | 1,621 |
Earnings coverage of net charge-offs (x) | 9.4110% | 1,724 |
Efficiency ratio | 64.8414% | 5,212 |
Assets per employee ($millions) | 7.7415% | 527 |
Cash dividends to net income (ytd only)* | 80.5581% | 822 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2618% | 5,333 |
Loan loss allowance to noncurrent loans | 830.2872% | 436 |
Noncurrent assets plus other real estate owned to assets | 0.7643% | 5,387 |
Noncurrent loans to loans | 0.1520% | 6,673 |
Net loans and leases to total assets | 66.9663% | 2,766 |
Net loans and leases to deposits | 74.2099% | 3,729 |
Net loans and leases to core deposits | 100.3650% | 1,310 |
Total domestic deposits to total assets | 90.2390% | 998 |
Equity capital to assets | 9.5635% | 4,350 |
Core capital (leverage) ratio | 9.4048% | 3,956 |
Tier 1 risk-based capital ratio | 13.1575% | 4,704 |
Total risk-based capital ratio | 14.4061% | 4,680 |
Memoranda: | ||
Average total assets | $370,680,000 | 1,782 |
Average earning assets | $348,976,500 | 1,723 |
Average equity | $35,386,500 | 1,880 |
Average total loans | $251,238,000 | 1,722 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9069% | 4,999 |
Cost of funding earning assets | 0.7397% | 6,763 |
Net interest margin | 4.1672% | 2,304 |
Noninterest income to average assets | 0.3657% | 5,182 |
Noninterest expense to average assets | 2.7262% | 4,869 |
Loan and lease loss provision to assets | 0.2543% | 4,754 |
Net operating income to assets | 1.3389% | 1,087 |
Return on assets (ROA) | 1.3389% | 1,153 |
Pretax return on assets | 1.3389% | 1,832 |
Return on Equity (ROE) | 13.1284% | 1,058 |
Retained earnings to average equity (ytd only) | 10.8135% | 403 |
Net charge-offs to loans | 0.1675% | 5,328 |
Credit loss provision to net charge-offs | 217.1429% | 1,395 |
Earnings coverage of net charge-offs (x) | 13.6026% | 1,397 |
Efficiency ratio | 63.1145% | 5,493 |
Assets per employee ($millions) | 7.8674% | 502 |
Cash dividends to net income (ytd only)* | 17.6324% | 3,533 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2230% | 5,401 |
Loan loss allowance to noncurrent loans | 765.7500% | 448 |
Noncurrent assets plus other real estate owned to assets | 0.8319% | 5,338 |
Noncurrent loans to loans | 0.1597% | 6,749 |
Net loans and leases to total assets | 66.9046% | 3,246 |
Net loans and leases to deposits | 75.0308% | 4,021 |
Net loans and leases to core deposits | 101.6681% | 1,480 |
Total domestic deposits to total assets | 89.1695% | 1,551 |
Equity capital to assets | 9.5292% | 4,371 |
Core capital (leverage) ratio | 9.9680% | 3,130 |
Tier 1 risk-based capital ratio | 13.6548% | 4,094 |
Total risk-based capital ratio | 14.8923% | 4,073 |
Memoranda: | ||
Average total assets | $328,695,600 | 1,982 |
Average earning assets | $311,864,600 | 1,910 |
Average equity | $33,522,800 | 1,972 |
Average total loans | $229,847,800 | 1,898 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9710% | 4,942 |
Cost of funding earning assets | 0.7875% | 6,804 |
Net interest margin | 4.1835% | 2,277 |
Noninterest income to average assets | 0.3710% | 5,189 |
Noninterest expense to average assets | 2.6475% | 5,121 |
Loan and lease loss provision to assets | 0.2692% | 4,429 |
Net operating income to assets | 1.4316% | 1,056 |
Return on assets (ROA) | 1.4316% | 1,122 |
Pretax return on assets | 1.4316% | 1,789 |
Return on Equity (ROE) | 13.7743% | 1,078 |
Retained earnings to average equity (ytd only) | 11.5465% | 518 |
Net charge-offs to loans | 0.1834% | 4,854 |
Credit loss provision to net charge-offs | 208.0906% | 1,700 |
Earnings coverage of net charge-offs (x) | 13.1456% | 1,615 |
Efficiency ratio | 60.8859% | 5,812 |
Assets per employee ($millions) | 7.0617% | 748 |
Cash dividends to net income (ytd only)* | 16.1742% | 3,119 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2614% | 5,157 |
Loan loss allowance to noncurrent loans | 591.5663% | 536 |
Noncurrent assets plus other real estate owned to assets | 0.9266% | 5,247 |
Noncurrent loans to loans | 0.2132% | 6,753 |
Net loans and leases to total assets | 70.9904% | 2,491 |
Net loans and leases to deposits | 80.9750% | 3,270 |
Net loans and leases to core deposits | 108.5267% | 1,122 |
Total domestic deposits to total assets | 87.6695% | 2,177 |
Equity capital to assets | 10.8103% | 3,157 |
Core capital (leverage) ratio | 10.7233% | 2,494 |
Tier 1 risk-based capital ratio | 14.5241% | 3,498 |
Total risk-based capital ratio | 15.7748% | 3,466 |
Memoranda: | ||
Average total assets | $318,427,000 | 2,074 |
Average earning assets | $302,734,000 | 1,990 |
Average equity | $33,094,500 | 2,011 |
Average total loans | $224,695,750 | 1,958 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8996% | 5,385 |
Cost of funding earning assets | 0.8281% | 6,824 |
Net interest margin | 4.0715% | 2,696 |
Noninterest income to average assets | 0.3686% | 5,192 |
Noninterest expense to average assets | 2.6577% | 5,086 |
Loan and lease loss provision to assets | 0.2485% | 4,439 |
Net operating income to assets | 1.3424% | 1,209 |
Return on assets (ROA) | 1.3424% | 1,278 |
Pretax return on assets | 1.3424% | 1,965 |
Return on Equity (ROE) | 13.0966% | 1,214 |
Retained earnings to average equity (ytd only) | 9.6852% | 921 |
Net charge-offs to loans | 0.2787% | 3,944 |
Credit loss provision to net charge-offs | 127.1845% | 3,160 |
Earnings coverage of net charge-offs (x) | 8.1424% | 2,182 |
Efficiency ratio | 62.5540% | 5,602 |
Assets per employee ($millions) | 7.4490% | 636 |
Cash dividends to net income (ytd only)* | 26.0480% | 2,659 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1914% | 5,499 |
Loan loss allowance to noncurrent loans | 998.8889% | 342 |
Noncurrent assets plus other real estate owned to assets | 0.7537% | 5,618 |
Noncurrent loans to loans | 0.1193% | 7,032 |
Net loans and leases to total assets | 71.4923% | 2,537 |
Net loans and leases to deposits | 82.8306% | 3,109 |
Net loans and leases to core deposits | 108.2896% | 1,282 |
Total domestic deposits to total assets | 86.3114% | 2,923 |
Equity capital to assets | 10.7042% | 3,170 |
Core capital (leverage) ratio | 10.3532% | 2,771 |
Tier 1 risk-based capital ratio | 14.6049% | 3,382 |
Total risk-based capital ratio | 15.8593% | 3,352 |
Memoranda: | ||
Average total assets | $316,290,330 | 2,106 |
Average earning assets | $301,411,330 | 2,017 |
Average equity | $32,420,670 | 2,038 |
Average total loans | $221,744,670 | 2,007 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7803% | 5,967 |
Cost of funding earning assets | 0.8694% | 6,873 |
Net interest margin | 3.9110% | 3,280 |
Noninterest income to average assets | 0.3258% | 5,542 |
Noninterest expense to average assets | 2.6364% | 5,205 |
Loan and lease loss provision to assets | 0.2855% | 3,744 |
Net operating income to assets | 1.1383% | 1,713 |
Return on assets (ROA) | 1.1383% | 1,789 |
Pretax return on assets | 1.1383% | 2,590 |
Return on Equity (ROE) | 11.3528% | 1,683 |
Retained earnings to average equity (ytd only) | 4.4157% | 3,505 |
Net charge-offs to loans | -0.0036% | 6,789 |
Credit loss provision to net charge-offs | -11,350.0000% | 6,703 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 64.9318% | 5,319 |
Assets per employee ($millions) | 8.1346% | 492 |
Cash dividends to net income (ytd only)* | 61.1050% | 1,228 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2717% | 5,083 |
Loan loss allowance to noncurrent loans | 485.4949% | 665 |
Noncurrent assets plus other real estate owned to assets | 0.7934% | 5,566 |
Noncurrent loans to loans | 0.2619% | 6,801 |
Net loans and leases to total assets | 69.6207% | 3,028 |
Net loans and leases to deposits | 80.0350% | 3,653 |
Net loans and leases to core deposits | 101.9959% | 1,909 |
Total domestic deposits to total assets | 86.9878% | 2,633 |
Equity capital to assets | 10.1091% | 3,738 |
Core capital (leverage) ratio | 9.9291% | 3,253 |
Tier 1 risk-based capital ratio | 13.9072% | 3,719 |
Total risk-based capital ratio | 15.1585% | 3,678 |
Memoranda: | ||
Average total assets | $318,006,000 | 2,141 |
Average earning assets | $303,660,000 | 2,060 |
Average equity | $31,886,500 | 2,095 |
Average total loans | $219,433,500 | 2,084 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2037% | 5,633 |
Cost of funding earning assets | 1.3289% | 6,212 |
Net interest margin | 3.8748% | 3,377 |
Noninterest income to average assets | 0.2515% | 6,304 |
Noninterest expense to average assets | 2.9316% | 4,420 |
Loan and lease loss provision to assets | 0.3854% | 4,482 |
Net operating income to assets | 0.6280% | 3,227 |
Return on assets (ROA) | 0.6283% | 3,285 |
Pretax return on assets | 0.6283% | 3,817 |
Return on Equity (ROE) | 6.6128% | 2,948 |
Retained earnings to average equity (ytd only) | 4.2832% | 2,228 |
Net charge-offs to loans | 0.2684% | 4,940 |
Credit loss provision to net charge-offs | 190.8935% | 2,095 |
Earnings coverage of net charge-offs (x) | 5.0189% | 2,716 |
Efficiency ratio | 74.3118% | 3,833 |
Assets per employee ($millions) | 8.1734% | 477 |
Cash dividends to net income (ytd only)* | 35.2292% | 3,119 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2140% | 5,274 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.5961% | 5,971 |
Noncurrent loans to loans | 0.0000% | 7,460 |
Net loans and leases to total assets | 66.6762% | 3,995 |
Net loans and leases to deposits | 77.5896% | 4,453 |
Net loans and leases to core deposits | 106.1745% | 3,311 |
Total domestic deposits to total assets | 85.9344% | 3,051 |
Equity capital to assets | 9.9453% | 3,840 |
Core capital (leverage) ratio | 10.0444% | 3,040 |
Tier 1 risk-based capital ratio | 14.8842% | 3,011 |
Total risk-based capital ratio | 16.1391% | 2,949 |
Memoranda: | ||
Average total assets | $288,235,600 | 2,288 |
Average earning assets | $274,748,200 | 2,207 |
Average equity | $27,386,200 | 2,420 |
Average total loans | $216,823,000 | 2,131 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3621% | 5,125 |
Cost of funding earning assets | 1.4374% | 6,093 |
Net interest margin | 3.9248% | 3,141 |
Noninterest income to average assets | 0.2362% | 6,536 |
Noninterest expense to average assets | 3.0519% | 3,834 |
Loan and lease loss provision to assets | 0.4395% | 3,708 |
Net operating income to assets | 0.4761% | 4,089 |
Return on assets (ROA) | 0.4766% | 4,184 |
Pretax return on assets | 0.4766% | 4,590 |
Return on Equity (ROE) | 5.0834% | 3,926 |
Retained earnings to average equity (ytd only) | 1.8499% | 4,282 |
Net charge-offs to loans | 0.3578% | 3,856 |
Credit loss provision to net charge-offs | 158.6621% | 2,998 |
Earnings coverage of net charge-offs (x) | 3.3053% | 3,585 |
Efficiency ratio | 76.9222% | 3,335 |
Assets per employee ($millions) | 7.7245% | 571 |
Cash dividends to net income (ytd only)* | 63.6095% | 1,463 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1412% | 5,471 |
Loan loss allowance to noncurrent loans | 2,408.0000% | 157 |
Noncurrent assets plus other real estate owned to assets | 1.0177% | 5,045 |
Noncurrent loans to loans | 0.0474% | 7,390 |
Net loans and leases to total assets | 69.2400% | 3,662 |
Net loans and leases to deposits | 81.3127% | 4,148 |
Net loans and leases to core deposits | 112.6783% | 2,962 |
Total domestic deposits to total assets | 85.1528% | 3,151 |
Equity capital to assets | 10.2926% | 3,745 |
Core capital (leverage) ratio | 10.4097% | 2,868 |
Tier 1 risk-based capital ratio | 14.7778% | 3,146 |
Total risk-based capital ratio | 16.0111% | 3,103 |
Memoranda: | ||
Average total assets | $280,603,750 | 2,360 |
Average earning assets | $266,778,500 | 2,277 |
Average equity | $26,307,250 | 2,529 |
Average total loans | $217,241,000 | 2,150 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.5086% | 4,578 |
Cost of funding earning assets | 1.5242% | 6,044 |
Net interest margin | 3.9844% | 2,764 |
Noninterest income to average assets | 0.2587% | 6,427 |
Noninterest expense to average assets | 3.1317% | 3,575 |
Loan and lease loss provision to assets | 0.5297% | 2,906 |
Net operating income to assets | 0.3734% | 4,607 |
Return on assets (ROA) | 0.3734% | 4,706 |
Pretax return on assets | 0.3734% | 5,007 |
Return on Equity (ROE) | 4.1309% | 4,439 |
Retained earnings to average equity (ytd only) | -1.0266% | 5,493 |
Net charge-offs to loans | 0.2645% | 3,868 |
Credit loss provision to net charge-offs | 250.0000% | 1,856 |
Earnings coverage of net charge-offs (x) | 4.2621% | 3,158 |
Efficiency ratio | 77.6168% | 3,403 |
Assets per employee ($millions) | 6.8313% | 834 |
Cash dividends to net income (ytd only)* | 124.8532% | 477 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0948% | 5,639 |
Loan loss allowance to noncurrent loans | 144.7384% | 2,033 |
Noncurrent assets plus other real estate owned to assets | 2.0119% | 3,182 |
Noncurrent loans to loans | 0.7564% | 5,723 |
Net loans and leases to total assets | 83.4824% | 714 |
Net loans and leases to deposits | 99.0532% | 1,383 |
Net loans and leases to core deposits | 130.7427% | 1,499 |
Total domestic deposits to total assets | 84.2804% | 3,609 |
Equity capital to assets | 10.5206% | 3,378 |
Core capital (leverage) ratio | 10.0496% | 3,245 |
Tier 1 risk-based capital ratio | 12.4670% | 4,546 |
Total risk-based capital ratio | 13.6509% | 4,528 |
Memoranda: | ||
Average total assets | $273,720,000 | 2,417 |
Average earning assets | $259,412,330 | 2,357 |
Average equity | $24,740,670 | 2,665 |
Average total loans | $219,322,330 | 2,162 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.4219% | 5,308 |
Cost of funding earning assets | 1.6085% | 5,999 |
Net interest margin | 3.8134% | 3,394 |
Noninterest income to average assets | 0.2625% | 6,357 |
Noninterest expense to average assets | 3.0284% | 3,639 |
Loan and lease loss provision to assets | 0.5408% | 2,308 |
Net operating income to assets | 0.3072% | 5,268 |
Return on assets (ROA) | 0.3072% | 5,443 |
Pretax return on assets | 0.3072% | 5,665 |
Return on Equity (ROE) | 3.6889% | 5,089 |
Retained earnings to average equity (ytd only) | -7.3604% | 6,838 |
Net charge-offs to loans | 0.0000% | 5,728 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 78.1250% | 3,144 |
Assets per employee ($millions) | 7.2113% | 705 |
Cash dividends to net income (ytd only)* | 299.5305% | 157 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0871% | 5,560 |
Loan loss allowance to noncurrent loans | 61.1168% | 4,529 |
Noncurrent assets plus other real estate owned to assets | 2.8897% | 1,972 |
Noncurrent loans to loans | 1.7787% | 3,593 |
Net loans and leases to total assets | 77.9034% | 1,845 |
Net loans and leases to deposits | 89.7064% | 2,973 |
Net loans and leases to core deposits | 117.4858% | 2,642 |
Total domestic deposits to total assets | 86.8426% | 2,297 |
Equity capital to assets | 8.3064% | 6,381 |
Core capital (leverage) ratio | 8.0998% | 6,288 |
Tier 1 risk-based capital ratio | 10.2206% | 6,692 |
Total risk-based capital ratio | 11.3712% | 6,702 |
Memoranda: | ||
Average total assets | $277,370,500 | 2,410 |
Average earning assets | $262,860,000 | 2,341 |
Average equity | $23,096,500 | 2,868 |
Average total loans | $216,546,000 | 2,207 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.2231% | 4,402 |
Cost of funding earning assets | 2.0478% | 6,247 |
Net interest margin | 4.1752% | 2,414 |
Noninterest income to average assets | 0.2316% | 6,780 |
Noninterest expense to average assets | 3.3971% | 2,691 |
Loan and lease loss provision to assets | 0.4667% | 2,964 |
Net operating income to assets | 0.3240% | 5,469 |
Return on assets (ROA) | 0.3240% | 5,286 |
Pretax return on assets | 0.3240% | 5,458 |
Return on Equity (ROE) | 3.4308% | 5,071 |
Retained earnings to average equity (ytd only) | 2.8672% | 3,391 |
Net charge-offs to loans | 0.4048% | 2,789 |
Credit loss provision to net charge-offs | 141.6021% | 3,742 |
Earnings coverage of net charge-offs (x) | 2.3992% | 4,876 |
Efficiency ratio | 81.1185% | 2,426 |
Assets per employee ($millions) | 6.5119% | 883 |
Cash dividends to net income (ytd only)* | 16.4258% | 4,545 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9433% | 6,430 |
Loan loss allowance to noncurrent loans | 51.7367% | 5,412 |
Noncurrent assets plus other real estate owned to assets | 2.8029% | 1,676 |
Noncurrent loans to loans | 1.8234% | 3,026 |
Net loans and leases to total assets | 76.6332% | 2,466 |
Net loans and leases to deposits | 88.3832% | 3,744 |
Net loans and leases to core deposits | 111.2993% | 3,637 |
Total domestic deposits to total assets | 86.7056% | 2,090 |
Equity capital to assets | 8.3481% | 6,349 |
Core capital (leverage) ratio | 8.2795% | 5,995 |
Tier 1 risk-based capital ratio | 10.2074% | 6,508 |
Total risk-based capital ratio | 11.2168% | 6,660 |
Memoranda: | ||
Average total assets | $234,849,600 | 2,704 |
Average earning assets | $222,527,400 | 2,627 |
Average equity | $22,181,600 | 2,954 |
Average total loans | $191,200,400 | 2,380 |