Home > The First State Bank > Performance and Condition Ratios
The First State Bank, Performance and Condition Ratios
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 | 3.8684% | 6,651 |
Cost of funding earning assets | 1.7408% | 273 |
Net interest margin | 2.1276% | 7,200 |
Noninterest income to average assets | 0.1685% | 6,281 |
Noninterest expense to average assets | 2.4760% | 5,551 |
Loan and lease loss provision to assets | 1.8058% | 367 |
Net operating income to assets | -2.3833% | 7,095 |
Return on assets (ROA) | -2.1160% | 7,060 |
Pretax return on assets | -2.1160% | 7,053 |
Return on Equity (ROE) | -102.5080% | 7,313 |
Retained earnings to average equity (ytd only) | -102.5080% | 7,313 |
Net charge-offs to loans | 2.2050% | 586 |
Credit loss provision to net charge-offs | 124.6713% | 2,516 |
Earnings coverage of net charge-offs (x) | -0.3987% | 6,047 |
Efficiency ratio | 130.4223% | 229 |
Assets per employee ($millions) | 4.8751% | 2,353 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.7177% | 460 |
Loan loss allowance to noncurrent loans | 14.0471% | 6,764 |
Noncurrent assets plus other real estate owned to assets | 32.7545% | 5 |
Noncurrent loans to loans | 26.4661% | 23 |
Net loans and leases to total assets | 64.1187% | 3,167 |
Net loans and leases to deposits | 65.0880% | 4,863 |
Net loans and leases to core deposits | 69.1792% | 4,888 |
Total domestic deposits to total assets | 98.5109% | 7 |
Equity capital to assets | 0.9480% | 7,344 |
Core capital (leverage) ratio | 0.6007% | 7,347 |
Tier 1 risk-based capital ratio | 0.7534% | 7,348 |
Total risk-based capital ratio | 1.5069% | 7,348 |
Memoranda: | ||
Average total assets | $551,283,800 | 1,196 |
Average earning assets | $448,244,200 | 1,350 |
Average equity | $11,379,600 | 4,687 |
Average total loans | $362,133,000 | 1,166 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9338% | 6,687 |
Cost of funding earning assets | 1.7802% | 281 |
Net interest margin | 2.1536% | 7,272 |
Noninterest income to average assets | 0.1514% | 6,504 |
Noninterest expense to average assets | 2.4572% | 5,601 |
Loan and lease loss provision to assets | 2.3448% | 201 |
Net operating income to assets | -2.8956% | 7,256 |
Return on assets (ROA) | -2.5446% | 7,223 |
Pretax return on assets | -2.5446% | 7,212 |
Return on Equity (ROE) | -109.5993% | 7,387 |
Retained earnings to average equity (ytd only) | -109.5993% | 7,387 |
Net charge-offs to loans | 2.9133% | 333 |
Credit loss provision to net charge-offs | 122.9185% | 2,628 |
Earnings coverage of net charge-offs (x) | -0.2887% | 5,761 |
Efficiency ratio | 128.8908% | 233 |
Assets per employee ($millions) | 5.0181% | 2,169 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.5692% | 534 |
Loan loss allowance to noncurrent loans | 14.4395% | 6,833 |
Noncurrent assets plus other real estate owned to assets | 30.0837% | 9 |
Noncurrent loans to loans | 24.7181% | 29 |
Net loans and leases to total assets | 63.7029% | 3,365 |
Net loans and leases to deposits | 64.8406% | 5,067 |
Net loans and leases to core deposits | 70.4386% | 4,897 |
Total domestic deposits to total assets | 98.2454% | 6 |
Equity capital to assets | 1.0994% | 7,418 |
Core capital (leverage) ratio | 0.7758% | 7,427 |
Tier 1 risk-based capital ratio | 0.9579% | 7,427 |
Total risk-based capital ratio | 1.9158% | 7,427 |
Memoranda: | ||
Average total assets | $559,914,750 | 1,192 |
Average earning assets | $456,275,750 | 1,341 |
Average equity | $12,999,750 | 4,349 |
Average total loans | $366,632,750 | 1,167 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9002% | 6,804 |
Cost of funding earning assets | 1.8078% | 301 |
Net interest margin | 2.0924% | 7,345 |
Noninterest income to average assets | 0.5155% | 3,743 |
Noninterest expense to average assets | 2.3761% | 5,918 |
Loan and lease loss provision to assets | 0.0758% | 5,366 |
Net operating income to assets | -0.2340% | 6,501 |
Return on assets (ROA) | -0.2340% | 6,539 |
Pretax return on assets | -0.2340% | 6,483 |
Return on Equity (ROE) | -8.6428% | 6,888 |
Retained earnings to average equity (ytd only) | -8.6428% | 6,805 |
Net charge-offs to loans | 2.5364% | 459 |
Credit loss provision to net charge-offs | 4.5745% | 5,294 |
Earnings coverage of net charge-offs (x) | -0.0955% | 5,342 |
Efficiency ratio | 107.1338% | 530 |
Assets per employee ($millions) | 5.2244% | 1,845 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7529% | 3,142 |
Loan loss allowance to noncurrent loans | 6.7904% | 6,978 |
Noncurrent assets plus other real estate owned to assets | 30.5194% | 12 |
Noncurrent loans to loans | 25.8142% | 26 |
Net loans and leases to total assets | 62.9683% | 3,681 |
Net loans and leases to deposits | 65.3208% | 5,098 |
Net loans and leases to core deposits | 71.5358% | 4,878 |
Total domestic deposits to total assets | 96.3985% | 27 |
Equity capital to assets | 2.9043% | 7,437 |
Core capital (leverage) ratio | 2.5025% | 7,448 |
Tier 1 risk-based capital ratio | 2.9632% | 7,468 |
Total risk-based capital ratio | 4.2069% | 7,469 |
Memoranda: | ||
Average total assets | $567,574,330 | 1,180 |
Average earning assets | $461,765,670 | 1,334 |
Average equity | $15,365,330 | 3,846 |
Average total loans | $370,609,000 | 1,179 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8420% | 6,898 |
Cost of funding earning assets | 1.8596% | 301 |
Net interest margin | 1.9824% | 7,412 |
Noninterest income to average assets | 0.2986% | 5,532 |
Noninterest expense to average assets | 2.5093% | 5,521 |
Loan and lease loss provision to assets | 0.0049% | 5,805 |
Net operating income to assets | -0.6036% | 6,868 |
Return on assets (ROA) | -0.6036% | 6,873 |
Pretax return on assets | -0.6036% | 6,817 |
Return on Equity (ROE) | -23.1310% | 7,259 |
Retained earnings to average equity (ytd only) | -23.1310% | 7,212 |
Net charge-offs to loans | 2.7694% | 391 |
Credit loss provision to net charge-offs | 0.2695% | 4,476 |
Earnings coverage of net charge-offs (x) | -0.3281% | 4,738 |
Efficiency ratio | 131.3350% | 254 |
Assets per employee ($millions) | 5.3217% | 1,747 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.2257% | 1,903 |
Loan loss allowance to noncurrent loans | 8.5986% | 7,028 |
Noncurrent assets plus other real estate owned to assets | 30.2520% | 8 |
Noncurrent loans to loans | 25.8842% | 29 |
Net loans and leases to total assets | 62.9366% | 3,677 |
Net loans and leases to deposits | 64.9729% | 5,135 |
Net loans and leases to core deposits | 71.8603% | 4,809 |
Total domestic deposits to total assets | 96.8659% | 19 |
Equity capital to assets | 2.5403% | 7,502 |
Core capital (leverage) ratio | 2.4664% | 7,506 |
Tier 1 risk-based capital ratio | 2.9369% | 7,525 |
Total risk-based capital ratio | 4.1823% | 7,526 |
Memoranda: | ||
Average total assets | $569,242,500 | 1,183 |
Average earning assets | $462,884,500 | 1,334 |
Average equity | $14,854,500 | 3,929 |
Average total loans | $375,098,500 | 1,178 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9898% | 7,147 |
Cost of funding earning assets | 2.0407% | 519 |
Net interest margin | 1.9491% | 7,471 |
Noninterest income to average assets | -0.1126% | 7,400 |
Noninterest expense to average assets | 2.4994% | 5,802 |
Loan and lease loss provision to assets | 0.2000% | 5,235 |
Net operating income to assets | -1.2234% | 6,794 |
Return on assets (ROA) | -1.0545% | 6,747 |
Pretax return on assets | -1.0153% | 6,655 |
Return on Equity (ROE) | -29.8442% | 7,227 |
Retained earnings to average equity (ytd only) | -29.8442% | 7,214 |
Net charge-offs to loans | 0.8953% | 2,400 |
Credit loss provision to net charge-offs | 31.8615% | 6,479 |
Earnings coverage of net charge-offs (x) | -1.5675% | 6,680 |
Efficiency ratio | 164.9464% | 150 |
Assets per employee ($millions) | 5.1250% | 1,983 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.8466% | 1,003 |
Loan loss allowance to noncurrent loans | 12.2330% | 7,054 |
Noncurrent assets plus other real estate owned to assets | 29.7895% | 8 |
Noncurrent loans to loans | 23.2699% | 53 |
Net loans and leases to total assets | 65.5292% | 3,558 |
Net loans and leases to deposits | 67.8196% | 5,123 |
Net loans and leases to core deposits | 76.1137% | 4,696 |
Total domestic deposits to total assets | 96.6228% | 25 |
Equity capital to assets | 2.6801% | 7,577 |
Core capital (leverage) ratio | 2.6510% | 7,577 |
Tier 1 risk-based capital ratio | 3.0984% | 7,602 |
Total risk-based capital ratio | 4.3531% | 7,602 |
Memoranda: | ||
Average total assets | $584,374,600 | 1,151 |
Average earning assets | $488,068,800 | 1,262 |
Average equity | $20,647,200 | 3,054 |
Average total loans | $409,790,800 | 1,102 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0595% | 7,238 |
Cost of funding earning assets | 2.0765% | 586 |
Net interest margin | 1.9830% | 7,585 |
Noninterest income to average assets | -0.1730% | 7,581 |
Noninterest expense to average assets | 2.3231% | 6,255 |
Loan and lease loss provision to assets | 0.1083% | 5,948 |
Net operating income to assets | -0.9397% | 6,867 |
Return on assets (ROA) | -0.7165% | 6,786 |
Pretax return on assets | -0.7165% | 6,690 |
Return on Equity (ROE) | -19.1718% | 7,203 |
Retained earnings to average equity (ytd only) | -19.1718% | 7,184 |
Net charge-offs to loans | 0.4359% | 3,555 |
Credit loss provision to net charge-offs | 35.1173% | 6,093 |
Earnings coverage of net charge-offs (x) | -2.6950% | 6,554 |
Efficiency ratio | 155.7307% | 178 |
Assets per employee ($millions) | 5.1221% | 2,029 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.0583% | 781 |
Loan loss allowance to noncurrent loans | 11.6603% | 7,150 |
Noncurrent assets plus other real estate owned to assets | 30.0254% | 8 |
Noncurrent loans to loans | 26.2281% | 26 |
Net loans and leases to total assets | 69.9812% | 2,737 |
Net loans and leases to deposits | 72.8484% | 4,718 |
Net loans and leases to core deposits | 82.1851% | 4,225 |
Total domestic deposits to total assets | 96.0641% | 24 |
Equity capital to assets | 3.3822% | 7,674 |
Core capital (leverage) ratio | 3.1284% | 7,669 |
Tier 1 risk-based capital ratio | 3.6989% | 7,693 |
Total risk-based capital ratio | 4.9518% | 7,695 |
Memoranda: | ||
Average total assets | $589,531,750 | 1,146 |
Average earning assets | $494,931,500 | 1,255 |
Average equity | $22,031,750 | 2,916 |
Average total loans | $417,178,000 | 1,083 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1508% | 7,230 |
Cost of funding earning assets | 2.1327% | 588 |
Net interest margin | 2.0181% | 7,642 |
Noninterest income to average assets | -0.3534% | 7,725 |
Noninterest expense to average assets | 2.1777% | 6,700 |
Loan and lease loss provision to assets | -0.2327% | 7,784 |
Net operating income to assets | -0.6085% | 6,748 |
Return on assets (ROA) | -0.2785% | 6,495 |
Pretax return on assets | -0.2785% | 6,403 |
Return on Equity (ROE) | -7.2360% | 6,850 |
Retained earnings to average equity (ytd only) | -7.2360% | 6,758 |
Net charge-offs to loans | 0.5696% | 2,833 |
Credit loss provision to net charge-offs | -58.0968% | 6,643 |
Earnings coverage of net charge-offs (x) | -2.1002% | 6,211 |
Efficiency ratio | 162.9315% | 168 |
Assets per employee ($millions) | 5.1342% | 2,009 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.8000% | 998 |
Loan loss allowance to noncurrent loans | 12.3654% | 7,212 |
Noncurrent assets plus other real estate owned to assets | 27.1943% | 14 |
Noncurrent loans to loans | 22.6441% | 48 |
Net loans and leases to total assets | 68.3908% | 3,270 |
Net loans and leases to deposits | 71.5776% | 5,059 |
Net loans and leases to core deposits | 80.9229% | 4,561 |
Total domestic deposits to total assets | 95.5478% | 35 |
Equity capital to assets | 3.6347% | 7,716 |
Core capital (leverage) ratio | 3.4520% | 7,714 |
Tier 1 risk-based capital ratio | 4.2588% | 7,737 |
Total risk-based capital ratio | 5.5228% | 7,738 |
Memoranda: | ||
Average total assets | $598,233,670 | 1,133 |
Average earning assets | $500,958,000 | 1,253 |
Average equity | $23,023,670 | 2,798 |
Average total loans | $420,660,330 | 1,085 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3897% | 7,010 |
Cost of funding earning assets | 2.2560% | 490 |
Net interest margin | 2.1337% | 7,678 |
Noninterest income to average assets | 0.3827% | 5,070 |
Noninterest expense to average assets | 2.1928% | 6,704 |
Loan and lease loss provision to assets | -1.8944% | 7,927 |
Net operating income to assets | 1.8654% | 432 |
Return on assets (ROA) | 2.4009% | 192 |
Pretax return on assets | 2.4009% | 289 |
Return on Equity (ROE) | 60.7703% | 16 |
Retained earnings to average equity (ytd only) | 60.7703% | 13 |
Net charge-offs to loans | -3.0800% | 7,875 |
Credit loss provision to net charge-offs | 87.4962% | 3,712 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 101.3394% | 800 |
Assets per employee ($millions) | 5.4558% | 1,711 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.2829% | 644 |
Loan loss allowance to noncurrent loans | 16.4334% | 7,166 |
Noncurrent assets plus other real estate owned to assets | 24.6693% | 28 |
Noncurrent loans to loans | 19.9769% | 78 |
Net loans and leases to total assets | 67.4264% | 3,522 |
Net loans and leases to deposits | 71.0530% | 5,191 |
Net loans and leases to core deposits | 80.9207% | 4,639 |
Total domestic deposits to total assets | 94.8960% | 49 |
Equity capital to assets | 4.2284% | 7,777 |
Core capital (leverage) ratio | 4.0927% | 7,772 |
Tier 1 risk-based capital ratio | 4.9029% | 7,804 |
Total risk-based capital ratio | 6.1717% | 7,804 |
Memoranda: | ||
Average total assets | $607,270,000 | 1,135 |
Average earning assets | $506,916,000 | 1,258 |
Average equity | $23,992,000 | 2,720 |
Average total loans | $426,887,000 | 1,100 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6482% | 7,803 |
Cost of funding earning assets | 2.5215% | 977 |
Net interest margin | 1.1267% | 7,912 |
Noninterest income to average assets | -0.1037% | 7,806 |
Noninterest expense to average assets | 2.2915% | 6,769 |
Loan and lease loss provision to assets | 6.0011% | 112 |
Net operating income to assets | -5.6894% | 7,814 |
Return on assets (ROA) | -5.6894% | 7,808 |
Pretax return on assets | -7.3863% | 7,890 |
Return on Equity (ROE) | -85.0227% | 7,886 |
Retained earnings to average equity (ytd only) | -85.0227% | 7,882 |
Net charge-offs to loans | 8.7829% | 57 |
Credit loss provision to net charge-offs | 89.8885% | 5,998 |
Earnings coverage of net charge-offs (x) | -0.2075% | 6,456 |
Efficiency ratio | 252.8487% | 85 |
Assets per employee ($millions) | 5.4858% | 1,660 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.0602% | 733 |
Loan loss allowance to noncurrent loans | 13.0588% | 7,307 |
Noncurrent assets plus other real estate owned to assets | 24.7008% | 23 |
Noncurrent loans to loans | 23.4344% | 45 |
Net loans and leases to total assets | 68.6950% | 3,550 |
Net loans and leases to deposits | 72.0196% | 5,323 |
Net loans and leases to core deposits | 91.9830% | 4,888 |
Total domestic deposits to total assets | 95.3837% | 46 |
Equity capital to assets | 3.6797% | 7,882 |
Core capital (leverage) ratio | 3.2703% | 7,894 |
Tier 1 risk-based capital ratio | 4.1635% | 7,903 |
Total risk-based capital ratio | 5.4079% | 7,907 |
Memoranda: | ||
Average total assets | $652,685,600 | 1,062 |
Average earning assets | $585,083,400 | 1,077 |
Average equity | $43,675,400 | 1,532 |
Average total loans | $496,122,800 | 972 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6243% | 7,915 |
Cost of funding earning assets | 2.5278% | 1,213 |
Net interest margin | 1.0965% | 8,004 |
Noninterest income to average assets | -0.0125% | 7,865 |
Noninterest expense to average assets | 2.0696% | 7,240 |
Loan and lease loss provision to assets | 2.8828% | 530 |
Net operating income to assets | -3.9698% | 7,746 |
Return on assets (ROA) | -3.9698% | 7,748 |
Pretax return on assets | -3.9698% | 7,683 |
Return on Equity (ROE) | -53.7164% | 7,860 |
Retained earnings to average equity (ytd only) | -53.7164% | 7,854 |
Net charge-offs to loans | 4.5579% | 274 |
Credit loss provision to net charge-offs | 81.9212% | 5,710 |
Earnings coverage of net charge-offs (x) | -0.3089% | 6,364 |
Efficiency ratio | 210.6126% | 131 |
Assets per employee ($millions) | 4.9413% | 2,215 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.0164% | 660 |
Loan loss allowance to noncurrent loans | 15.4957% | 7,312 |
Noncurrent assets plus other real estate owned to assets | 19.9201% | 47 |
Noncurrent loans to loans | 19.4662% | 69 |
Net loans and leases to total assets | 71.8207% | 3,078 |
Net loans and leases to deposits | 77.0059% | 4,897 |
Net loans and leases to core deposits | 114.2293% | 2,808 |
Total domestic deposits to total assets | 93.2664% | 75 |
Equity capital to assets | 6.0704% | 7,844 |
Core capital (leverage) ratio | 5.7651% | 7,837 |
Tier 1 risk-based capital ratio | 7.3914% | 7,858 |
Total risk-based capital ratio | 8.6550% | 7,861 |
Memoranda: | ||
Average total assets | $662,255,500 | 1,057 |
Average earning assets | $601,037,250 | 1,056 |
Average equity | $48,942,250 | 1,394 |
Average total loans | $511,306,000 | 947 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4831% | 8,028 |
Cost of funding earning assets | 2.5290% | 1,509 |
Net interest margin | 0.9541% | 8,107 |
Noninterest income to average assets | -0.2632% | 8,085 |
Noninterest expense to average assets | 2.0313% | 7,410 |
Loan and lease loss provision to assets | 4.1888% | 284 |
Net operating income to assets | -5.6155% | 7,981 |
Return on assets (ROA) | -5.6155% | 7,972 |
Pretax return on assets | -5.6155% | 7,929 |
Return on Equity (ROE) | -71.7964% | 8,023 |
Retained earnings to average equity (ytd only) | -71.7964% | 8,021 |
Net charge-offs to loans | 6.3372% | 157 |
Credit loss provision to net charge-offs | 84.4848% | 5,073 |
Earnings coverage of net charge-offs (x) | -0.2878% | 5,942 |
Efficiency ratio | 335.9841% | 67 |
Assets per employee ($millions) | 4.9525% | 2,140 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.0503% | 546 |
Loan loss allowance to noncurrent loans | 14.1335% | 7,391 |
Noncurrent assets plus other real estate owned to assets | 20.0986% | 40 |
Noncurrent loans to loans | 21.5822% | 44 |
Net loans and leases to total assets | 71.5859% | 3,324 |
Net loans and leases to deposits | 76.8326% | 5,053 |
Net loans and leases to core deposits | 97.9202% | 4,706 |
Total domestic deposits to total assets | 93.1713% | 89 |
Equity capital to assets | 5.9703% | 7,935 |
Core capital (leverage) ratio | 5.8919% | 7,945 |
Tier 1 risk-based capital ratio | 7.4456% | 7,969 |
Total risk-based capital ratio | 8.7154% | 7,977 |
Memoranda: | ||
Average total assets | $665,590,330 | 1,064 |
Average earning assets | $605,385,000 | 1,059 |
Average equity | $52,058,330 | 1,305 |
Average total loans | $520,734,330 | 952 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3798% | 7,811 |
Cost of funding earning assets | 2.5567% | 1,719 |
Net interest margin | 1.8231% | 7,968 |
Noninterest income to average assets | 0.0339% | 7,909 |
Noninterest expense to average assets | 2.1553% | 6,993 |
Loan and lease loss provision to assets | 0.9673% | 1,341 |
Net operating income to assets | -1.4286% | 7,467 |
Return on assets (ROA) | -1.4286% | 7,482 |
Pretax return on assets | -1.4286% | 7,340 |
Return on Equity (ROE) | -16.3018% | 7,649 |
Retained earnings to average equity (ytd only) | -16.3018% | 7,500 |
Net charge-offs to loans | 1.0022% | 1,340 |
Credit loss provision to net charge-offs | 119.9400% | 3,286 |
Earnings coverage of net charge-offs (x) | -0.5720% | 5,281 |
Efficiency ratio | 127.2305% | 536 |
Assets per employee ($millions) | 4.7342% | 2,387 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.3874% | 344 |
Loan loss allowance to noncurrent loans | 20.5845% | 7,136 |
Noncurrent assets plus other real estate owned to assets | 15.6794% | 68 |
Noncurrent loans to loans | 16.4559% | 74 |
Net loans and leases to total assets | 76.8926% | 2,067 |
Net loans and leases to deposits | 84.7261% | 3,863 |
Net loans and leases to core deposits | 109.4812% | 3,501 |
Total domestic deposits to total assets | 90.7544% | 494 |
Equity capital to assets | 8.5177% | 6,046 |
Core capital (leverage) ratio | 8.4188% | 5,681 |
Tier 1 risk-based capital ratio | 9.9886% | 6,938 |
Total risk-based capital ratio | 11.2628% | 6,812 |
Memoranda: | ||
Average total assets | $661,618,000 | 1,071 |
Average earning assets | $602,498,500 | 1,069 |
Average equity | $57,981,500 | 1,172 |
Average total loans | $532,438,500 | 939 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.6517% | 6,928 |
Cost of funding earning assets | 3.0999% | 1,507 |
Net interest margin | 2.5517% | 7,694 |
Noninterest income to average assets | -0.0674% | 8,189 |
Noninterest expense to average assets | 1.7827% | 7,773 |
Loan and lease loss provision to assets | 3.5274% | 223 |
Net operating income to assets | -2.0792% | 7,617 |
Return on assets (ROA) | -2.0792% | 7,581 |
Pretax return on assets | -3.0308% | 7,712 |
Return on Equity (ROE) | -20.1956% | 7,761 |
Retained earnings to average equity (ytd only) | -23.2105% | 7,767 |
Net charge-offs to loans | 2.5646% | 362 |
Credit loss provision to net charge-offs | 170.8717% | 2,995 |
Earnings coverage of net charge-offs (x) | 0.2406% | 6,088 |
Efficiency ratio | 78.2132% | 2,885 |
Assets per employee ($millions) | 4.5536% | 2,530 |
Cash dividends to net income (ytd only)* | -14.9284% | 7,905 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.3227% | 328 |
Loan loss allowance to noncurrent loans | 18.1159% | 7,312 |
Noncurrent assets plus other real estate owned to assets | 17.7314% | 40 |
Noncurrent loans to loans | 18.3412% | 44 |
Net loans and leases to total assets | 78.6739% | 1,963 |
Net loans and leases to deposits | 87.3531% | 3,885 |
Net loans and leases to core deposits | 113.1927% | 3,426 |
Total domestic deposits to total assets | 90.0642% | 625 |
Equity capital to assets | 9.0139% | 5,353 |
Core capital (leverage) ratio | 8.3970% | 5,770 |
Tier 1 risk-based capital ratio | 10.2771% | 6,443 |
Total risk-based capital ratio | 11.5502% | 6,293 |
Memoranda: | ||
Average total assets | $688,498,400 | 970 |
Average earning assets | $633,175,800 | 958 |
Average equity | $70,881,800 | 937 |
Average total loans | $554,199,400 | 863 |