Home > The State Bank of Blue Mound > Performance and Condition Ratios
The State Bank of Blue Mound, Performance and Condition Ratios
2015-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.5393% | 6,074 |
Cost of funding earning assets | 0.2067% | 5,320 |
Net interest margin | 2.3325% | 6,015 |
Noninterest income to average assets | 0.2600% | 5,081 |
Noninterest expense to average assets | 3.1629% | 2,058 |
Loan and lease loss provision to assets | 0.0000% | 4,232 |
Net operating income to assets | -0.6905% | 6,164 |
Return on assets (ROA) | -0.6905% | 6,162 |
Pretax return on assets | -0.6905% | 6,156 |
Return on Equity (ROE) | -16.0946% | 6,216 |
Retained earnings to average equity (ytd only) | -16.0946% | 6,185 |
Net charge-offs to loans | -0.0104% | 4,998 |
Credit loss provision to net charge-offs | 0.0000% | 3,517 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 127.9310% | 76 |
Assets per employee ($millions) | 4.4459% | 3,101 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
Condition Ratios (%) | ||
Loss allowance to loans | 4.9057% | 59 |
Loan loss allowance to noncurrent loans | 102.0033% | 3,636 |
Noncurrent assets plus other real estate owned to assets | 1.9505% | 1,060 |
Noncurrent loans to loans | 4.8093% | 225 |
Net loans and leases to total assets | 38.0579% | 5,701 |
Net loans and leases to deposits | 39.6997% | 5,876 |
Net loans and leases to core deposits | 40.5200% | 5,903 |
Total domestic deposits to total assets | 95.8645% | 9 |
Equity capital to assets | 4.0808% | 6,245 |
Core capital (leverage) ratio | 4.0708% | 6,244 |
Tier 1 risk-based capital ratio | 11.4911% | 5,379 |
Total risk-based capital ratio | 12.7941% | 5,275 |
Memoranda: | ||
Average total assets | $31,279,000 | 6,022 |
Average earning assets | $29,666,500 | 5,983 |
Average equity | $1,342,000 | 6,244 |
Average total loans | $12,818,750 | 6,036 |
2015-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.5089% | 6,162 |
Cost of funding earning assets | 0.2091% | 5,364 |
Net interest margin | 2.2999% | 6,099 |
Noninterest income to average assets | 0.2617% | 5,079 |
Noninterest expense to average assets | 3.1725% | 2,056 |
Loan and lease loss provision to assets | 0.0000% | 4,069 |
Net operating income to assets | -0.7341% | 6,230 |
Return on assets (ROA) | -0.7341% | 6,234 |
Pretax return on assets | -0.7341% | 6,224 |
Return on Equity (ROE) | -16.8375% | 6,286 |
Retained earnings to average equity (ytd only) | -16.8375% | 6,246 |
Net charge-offs to loans | 0.0773% | 2,282 |
Credit loss provision to net charge-offs | 0.0000% | 3,158 |
Earnings coverage of net charge-offs (x) | -23.0000% | 3,859 |
Efficiency ratio | 130.1047% | 78 |
Assets per employee ($millions) | 4.4093% | 3,126 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
Condition Ratios (%) | ||
Loss allowance to loans | 5.2463% | 57 |
Loan loss allowance to noncurrent loans | 173.3524% | 2,502 |
Noncurrent assets plus other real estate owned to assets | 1.1599% | 2,187 |
Noncurrent loans to loans | 3.0264% | 654 |
Net loans and leases to total assets | 35.4026% | 5,847 |
Net loans and leases to deposits | 36.9930% | 5,999 |
Net loans and leases to core deposits | 37.7653% | 6,032 |
Total domestic deposits to total assets | 95.7006% | 10 |
Equity capital to assets | 4.2637% | 6,314 |
Core capital (leverage) ratio | 4.1597% | 6,317 |
Tier 1 risk-based capital ratio | 13.0181% | 4,510 |
Total risk-based capital ratio | 14.3239% | 4,390 |
Memoranda: | ||
Average total assets | $31,331,670 | 6,086 |
Average earning assets | $29,654,000 | 6,048 |
Average equity | $1,366,000 | 6,320 |
Average total loans | $12,940,000 | 6,099 |
2015-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.5251% | 6,213 |
Cost of funding earning assets | 0.2149% | 5,366 |
Net interest margin | 2.3102% | 6,158 |
Noninterest income to average assets | 0.2408% | 5,247 |
Noninterest expense to average assets | 3.4975% | 1,318 |
Loan and lease loss provision to assets | 0.0000% | 3,703 |
Net operating income to assets | -1.0771% | 6,327 |
Return on assets (ROA) | -1.0771% | 6,329 |
Pretax return on assets | -1.0771% | 6,320 |
Return on Equity (ROE) | -24.4428% | 6,370 |
Retained earnings to average equity (ytd only) | -24.4428% | 6,303 |
Net charge-offs to loans | 0.2052% | 1,115 |
Credit loss provision to net charge-offs | 0.0000% | 2,491 |
Earnings coverage of net charge-offs (x) | -12.1429% | 3,250 |
Efficiency ratio | 144.5026% | 57 |
Assets per employee ($millions) | 4.1275% | 3,703 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
Condition Ratios (%) | ||
Loss allowance to loans | 4.7313% | 80 |
Loan loss allowance to noncurrent loans | 96.4800% | 3,763 |
Noncurrent assets plus other real estate owned to assets | 1.9746% | 1,205 |
Noncurrent loans to loans | 4.9039% | 283 |
Net loans and leases to total assets | 36.7717% | 5,790 |
Net loans and leases to deposits | 38.3694% | 5,973 |
Net loans and leases to core deposits | 39.1147% | 6,001 |
Total domestic deposits to total assets | 95.8359% | 9 |
Equity capital to assets | 4.0915% | 6,391 |
Core capital (leverage) ratio | 3.9627% | 6,392 |
Tier 1 risk-based capital ratio | 12.2678% | 5,066 |
Total risk-based capital ratio | 13.5701% | 4,943 |
Memoranda: | ||
Average total assets | $31,565,000 | 6,148 |
Average earning assets | $29,781,500 | 6,111 |
Average equity | $1,391,000 | 6,386 |
Average total loans | $13,644,000 | 6,131 |
2014-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.8454% | 6,175 |
Cost of funding earning assets | 0.2473% | 5,356 |
Net interest margin | 2.5981% | 6,075 |
Noninterest income to average assets | 0.2174% | 5,548 |
Noninterest expense to average assets | 3.8184% | 965 |
Loan and lease loss provision to assets | 0.0000% | 4,603 |
Net operating income to assets | -1.1881% | 6,400 |
Return on assets (ROA) | -0.9554% | 6,370 |
Pretax return on assets | -0.9554% | 6,362 |
Return on Equity (ROE) | -20.1135% | 6,441 |
Retained earnings to average equity (ytd only) | -20.1135% | 6,425 |
Net charge-offs to loans | 1.2794% | 205 |
Credit loss provision to net charge-offs | 0.0000% | 4,203 |
Earnings coverage of net charge-offs (x) | -1.9695% | 4,836 |
Efficiency ratio | 145.1688% | 58 |
Assets per employee ($millions) | 3.3456% | 5,179 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
Condition Ratios (%) | ||
Loss allowance to loans | 4.1945% | 115 |
Loan loss allowance to noncurrent loans | 88.6628% | 3,995 |
Noncurrent assets plus other real estate owned to assets | 2.3182% | 1,025 |
Noncurrent loans to loans | 4.7308% | 335 |
Net loans and leases to total assets | 46.2737% | 5,303 |
Net loans and leases to deposits | 48.6182% | 5,650 |
Net loans and leases to core deposits | 49.6242% | 5,730 |
Total domestic deposits to total assets | 95.1777% | 19 |
Equity capital to assets | 4.7526% | 6,464 |
Core capital (leverage) ratio | 4.5723% | 6,470 |
Tier 1 risk-based capital ratio | 10.8198% | 5,980 |
Total risk-based capital ratio | 12.1118% | 5,893 |
Memoranda: | ||
Average total assets | $32,657,600 | 6,203 |
Average earning assets | $30,329,600 | 6,175 |
Average equity | $1,551,200 | 6,452 |
Average total loans | $15,398,000 | 6,154 |
2014-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.8150% | 6,269 |
Cost of funding earning assets | 0.2500% | 5,414 |
Net interest margin | 2.5650% | 6,165 |
Noninterest income to average assets | 0.1722% | 5,892 |
Noninterest expense to average assets | 3.5921% | 1,308 |
Loan and lease loss provision to assets | 0.0000% | 4,401 |
Net operating income to assets | -1.0372% | 6,465 |
Return on assets (ROA) | -1.0372% | 6,466 |
Pretax return on assets | -1.0372% | 6,453 |
Return on Equity (ROE) | -21.8384% | 6,521 |
Retained earnings to average equity (ytd only) | -21.8384% | 6,503 |
Net charge-offs to loans | 1.7166% | 125 |
Credit loss provision to net charge-offs | 0.0000% | 3,801 |
Earnings coverage of net charge-offs (x) | -1.2886% | 4,538 |
Efficiency ratio | 140.5956% | 72 |
Assets per employee ($millions) | 3.8219% | 4,242 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
Condition Ratios (%) | ||
Loss allowance to loans | 4.2034% | 140 |
Loan loss allowance to noncurrent loans | 83.0137% | 4,099 |
Noncurrent assets plus other real estate owned to assets | 2.2240% | 1,239 |
Noncurrent loans to loans | 5.0635% | 352 |
Net loans and leases to total assets | 40.1518% | 5,803 |
Net loans and leases to deposits | 42.0119% | 6,051 |
Net loans and leases to core deposits | 42.7665% | 6,097 |
Total domestic deposits to total assets | 95.5723% | 18 |
Equity capital to assets | 4.2969% | 6,544 |
Core capital (leverage) ratio | 4.4979% | 6,545 |
Tier 1 risk-based capital ratio | 11.3431% | 5,866 |
Total risk-based capital ratio | 12.6358% | 5,779 |
Memoranda: | ||
Average total assets | $33,294,500 | 6,267 |
Average earning assets | $30,928,750 | 6,239 |
Average equity | $1,581,250 | 6,528 |
Average total loans | $15,611,750 | 6,209 |
2014-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.9753% | 6,210 |
Cost of funding earning assets | 0.2545% | 5,445 |
Net interest margin | 2.7209% | 6,025 |
Noninterest income to average assets | 0.1883% | 5,830 |
Noninterest expense to average assets | 3.7659% | 1,020 |
Loan and lease loss provision to assets | 0.0000% | 4,196 |
Net operating income to assets | -1.0447% | 6,533 |
Return on assets (ROA) | -1.0447% | 6,534 |
Pretax return on assets | -1.0447% | 6,516 |
Return on Equity (ROE) | -21.2915% | 6,578 |
Retained earnings to average equity (ytd only) | -21.2915% | 6,539 |
Net charge-offs to loans | 2.6858% | 71 |
Credit loss provision to net charge-offs | 0.0000% | 3,401 |
Earnings coverage of net charge-offs (x) | -0.8000% | 4,194 |
Efficiency ratio | 138.3929% | 71 |
Assets per employee ($millions) | 3.6149% | 4,626 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.9461% | 178 |
Loan loss allowance to noncurrent loans | 212.9496% | 2,014 |
Noncurrent assets plus other real estate owned to assets | 0.9959% | 3,069 |
Noncurrent loans to loans | 1.8531% | 1,853 |
Net loans and leases to total assets | 44.2921% | 5,516 |
Net loans and leases to deposits | 46.5846% | 5,850 |
Net loans and leases to core deposits | 47.4732% | 5,923 |
Total domestic deposits to total assets | 95.0790% | 29 |
Equity capital to assets | 4.8073% | 6,593 |
Core capital (leverage) ratio | 4.7713% | 6,592 |
Tier 1 risk-based capital ratio | 11.5835% | 5,756 |
Total risk-based capital ratio | 12.8657% | 5,688 |
Memoranda: | ||
Average total assets | $32,927,000 | 6,330 |
Average earning assets | $30,652,000 | 6,304 |
Average equity | $1,615,670 | 6,590 |
Average total loans | $16,010,000 | 6,243 |
2014-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.0087% | 6,236 |
Cost of funding earning assets | 0.2616% | 5,470 |
Net interest margin | 2.7471% | 6,036 |
Noninterest income to average assets | 0.0966% | 6,343 |
Noninterest expense to average assets | 3.7436% | 1,066 |
Loan and lease loss provision to assets | 0.0000% | 3,817 |
Net operating income to assets | -1.1110% | 6,586 |
Return on assets (ROA) | -1.1110% | 6,581 |
Pretax return on assets | -1.1110% | 6,572 |
Return on Equity (ROE) | -22.4185% | 6,639 |
Retained earnings to average equity (ytd only) | -22.4185% | 6,556 |
Net charge-offs to loans | 4.1904% | 36 |
Credit loss provision to net charge-offs | 0.0000% | 2,688 |
Earnings coverage of net charge-offs (x) | -0.5318% | 3,484 |
Efficiency ratio | 142.2018% | 82 |
Assets per employee ($millions) | 3.8030% | 4,322 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
Condition Ratios (%) | ||
Loss allowance to loans | 4.1965% | 163 |
Loan loss allowance to noncurrent loans | 183.7681% | 2,248 |
Noncurrent assets plus other real estate owned to assets | 1.3060% | 2,685 |
Noncurrent loans to loans | 2.2836% | 1,568 |
Net loans and leases to total assets | 42.2883% | 5,642 |
Net loans and leases to deposits | 44.4670% | 5,951 |
Net loans and leases to core deposits | 45.9901% | 5,994 |
Total domestic deposits to total assets | 95.1004% | 33 |
Equity capital to assets | 4.7886% | 6,648 |
Core capital (leverage) ratio | 4.7149% | 6,654 |
Tier 1 risk-based capital ratio | 12.0899% | 5,576 |
Total risk-based capital ratio | 13.3861% | 5,478 |
Memoranda: | ||
Average total assets | $33,123,500 | 6,392 |
Average earning assets | $30,578,000 | 6,371 |
Average equity | $1,641,500 | 6,647 |
Average total loans | $16,514,000 | 6,284 |
2013-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4335% | 5,771 |
Cost of funding earning assets | 0.4167% | 4,464 |
Net interest margin | 3.0169% | 5,540 |
Noninterest income to average assets | 0.3000% | 5,200 |
Noninterest expense to average assets | 3.8062% | 1,125 |
Loan and lease loss provision to assets | 3.7122% | 14 |
Net operating income to assets | -4.3880% | 6,795 |
Return on assets (ROA) | -4.3880% | 6,795 |
Pretax return on assets | -4.3880% | 6,794 |
Return on Equity (ROE) | -75.9706% | 6,794 |
Retained earnings to average equity (ytd only) | -75.9706% | 6,794 |
Net charge-offs to loans | 7.7882% | 9 |
Credit loss provision to net charge-offs | 80.3806% | 3,038 |
Earnings coverage of net charge-offs (x) | -0.1463% | 5,134 |
Efficiency ratio | 121.5876% | 165 |
Assets per employee ($millions) | 4.0025% | 3,859 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
Condition Ratios (%) | ||
Loss allowance to loans | 4.5033% | 133 |
Loan loss allowance to noncurrent loans | 110.5479% | 3,353 |
Noncurrent assets plus other real estate owned to assets | 2.7577% | 1,203 |
Noncurrent loans to loans | 4.0737% | 706 |
Net loans and leases to total assets | 53.4447% | 4,662 |
Net loans and leases to deposits | 56.3799% | 5,265 |
Net loans and leases to core deposits | 58.3882% | 5,357 |
Total domestic deposits to total assets | 94.7939% | 53 |
Equity capital to assets | 5.1343% | 6,679 |
Core capital (leverage) ratio | 5.3088% | 6,701 |
Tier 1 risk-based capital ratio | 9.2591% | 6,636 |
Total risk-based capital ratio | 10.5504% | 6,613 |
Memoranda: | ||
Average total assets | $32,999,000 | 6,460 |
Average earning assets | $30,959,400 | 6,425 |
Average equity | $1,906,000 | 6,705 |
Average total loans | $19,568,000 | 6,225 |
2013-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4128% | 5,857 |
Cost of funding earning assets | 0.4638% | 4,128 |
Net interest margin | 2.9490% | 5,699 |
Noninterest income to average assets | 0.3048% | 5,265 |
Noninterest expense to average assets | 3.4813% | 1,651 |
Loan and lease loss provision to assets | 4.9131% | 5 |
Net operating income to assets | -5.3101% | 6,880 |
Return on assets (ROA) | -5.3101% | 6,881 |
Pretax return on assets | -5.3101% | 6,881 |
Return on Equity (ROE) | -89.5405% | 6,882 |
Retained earnings to average equity (ytd only) | -89.5405% | 6,880 |
Net charge-offs to loans | 9.8830% | 6 |
Credit loss provision to net charge-offs | 82.7144% | 2,781 |
Earnings coverage of net charge-offs (x) | -0.0668% | 4,876 |
Efficiency ratio | 112.8739% | 228 |
Assets per employee ($millions) | 3.9036% | 4,031 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
Condition Ratios (%) | ||
Loss allowance to loans | 4.7338% | 139 |
Loan loss allowance to noncurrent loans | 178.5714% | 2,219 |
Noncurrent assets plus other real estate owned to assets | 1.9693% | 2,056 |
Noncurrent loans to loans | 2.6509% | 1,593 |
Net loans and leases to total assets | 54.7760% | 4,488 |
Net loans and leases to deposits | 57.9648% | 5,197 |
Net loans and leases to core deposits | 60.0885% | 5,295 |
Total domestic deposits to total assets | 94.4987% | 52 |
Equity capital to assets | 5.3476% | 6,748 |
Core capital (leverage) ratio | 5.2983% | 6,771 |
Tier 1 risk-based capital ratio | 9.4667% | 6,685 |
Total risk-based capital ratio | 10.7615% | 6,659 |
Memoranda: | ||
Average total assets | $33,243,750 | 6,525 |
Average earning assets | $31,332,500 | 6,486 |
Average equity | $1,971,500 | 6,773 |
Average total loans | $19,980,000 | 6,269 |
2013-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4061% | 5,891 |
Cost of funding earning assets | 0.5312% | 3,588 |
Net interest margin | 2.8749% | 5,841 |
Noninterest income to average assets | 0.3066% | 5,255 |
Noninterest expense to average assets | 3.2375% | 2,251 |
Loan and lease loss provision to assets | 7.2239% | 1 |
Net operating income to assets | -7.4421% | 6,934 |
Return on assets (ROA) | -7.4421% | 6,933 |
Pretax return on assets | -7.4421% | 6,934 |
Return on Equity (ROE) | -121.8147% | 6,934 |
Retained earnings to average equity (ytd only) | -121.8147% | 6,933 |
Net charge-offs to loans | 11.8520% | 5 |
Credit loss provision to net charge-offs | 100.0817% | 2,195 |
Earnings coverage of net charge-offs (x) | -0.0302% | 4,561 |
Efficiency ratio | 107.2266% | 325 |
Assets per employee ($millions) | 3.9390% | 3,935 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
Condition Ratios (%) | ||
Loss allowance to loans | 6.1022% | 55 |
Loan loss allowance to noncurrent loans | 129.1715% | 2,846 |
Noncurrent assets plus other real estate owned to assets | 3.0782% | 1,307 |
Noncurrent loans to loans | 4.7241% | 709 |
Net loans and leases to total assets | 54.0556% | 4,581 |
Net loans and leases to deposits | 57.2841% | 5,217 |
Net loans and leases to core deposits | 59.3643% | 5,314 |
Total domestic deposits to total assets | 94.3641% | 50 |
Equity capital to assets | 5.4963% | 6,791 |
Core capital (leverage) ratio | 5.0918% | 6,823 |
Tier 1 risk-based capital ratio | 9.8795% | 6,659 |
Total risk-based capital ratio | 11.1930% | 6,627 |
Memoranda: | ||
Average total assets | $33,915,330 | 6,554 |
Average earning assets | $32,001,000 | 6,516 |
Average equity | $2,072,000 | 6,808 |
Average total loans | $20,654,670 | 6,269 |
2013-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.2294% | 6,264 |
Cost of funding earning assets | 0.6048% | 3,070 |
Net interest margin | 2.6247% | 6,337 |
Noninterest income to average assets | 0.3189% | 5,141 |
Noninterest expense to average assets | 3.1438% | 2,531 |
Loan and lease loss provision to assets | 13.9534% | 2 |
Net operating income to assets | -14.3065% | 7,014 |
Return on assets (ROA) | -14.3065% | 7,013 |
Pretax return on assets | -14.3065% | 7,013 |
Return on Equity (ROE) | -224.0856% | 7,013 |
Retained earnings to average equity (ytd only) | -224.0856% | 7,013 |
Net charge-offs to loans | 28.8616% | 2 |
Credit loss provision to net charge-offs | 77.4826% | 2,191 |
Earnings coverage of net charge-offs (x) | -0.0196% | 3,831 |
Efficiency ratio | 112.6531% | 291 |
Assets per employee ($millions) | 4.5360% | 2,906 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.9067% | 310 |
Loan loss allowance to noncurrent loans | 80.2139% | 3,938 |
Noncurrent assets plus other real estate owned to assets | 2.8880% | 1,561 |
Noncurrent loans to loans | 4.8703% | 792 |
Net loans and leases to total assets | 50.8377% | 4,874 |
Net loans and leases to deposits | 53.4880% | 5,473 |
Net loans and leases to core deposits | 65.3050% | 4,611 |
Total domestic deposits to total assets | 95.0452% | 45 |
Equity capital to assets | 4.7950% | 6,902 |
Core capital (leverage) ratio | 4.4552% | 6,910 |
Tier 1 risk-based capital ratio | 8.8153% | 6,825 |
Total risk-based capital ratio | 10.0950% | 6,826 |
Memoranda: | ||
Average total assets | $35,117,000 | 6,590 |
Average earning assets | $33,071,000 | 6,552 |
Average equity | $2,242,000 | 6,853 |
Average total loans | $21,911,500 | 6,280 |
2012-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6096% | 2,961 |
Cost of funding earning assets | 0.7446% | 3,118 |
Net interest margin | 3.8650% | 2,970 |
Noninterest income to average assets | 3.3807% | 217 |
Noninterest expense to average assets | 3.4465% | 1,954 |
Loan and lease loss provision to assets | 4.9481% | 11 |
Net operating income to assets | -1.5102% | 6,858 |
Return on assets (ROA) | -1.5102% | 6,869 |
Pretax return on assets | -1.5102% | 6,850 |
Return on Equity (ROE) | -25.3067% | 6,928 |
Retained earnings to average equity (ytd only) | -25.3067% | 6,900 |
Net charge-offs to loans | 3.6663% | 94 |
Credit loss provision to net charge-offs | 187.4323% | 1,396 |
Earnings coverage of net charge-offs (x) | 1.3023% | 4,813 |
Efficiency ratio | 50.0623% | 6,586 |
Assets per employee ($millions) | 3.7718% | 4,421 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
Condition Ratios (%) | ||
Loss allowance to loans | 4.4914% | 189 |
Loan loss allowance to noncurrent loans | 54.8883% | 4,886 |
Noncurrent assets plus other real estate owned to assets | 6.2246% | 538 |
Noncurrent loans to loans | 8.1827% | 348 |
Net loans and leases to total assets | 69.2836% | 1,977 |
Net loans and leases to deposits | 75.4612% | 2,882 |
Net loans and leases to core deposits | 94.2117% | 1,450 |
Total domestic deposits to total assets | 91.8135% | 280 |
Equity capital to assets | 8.0834% | 6,364 |
Core capital (leverage) ratio | 8.1442% | 6,046 |
Tier 1 risk-based capital ratio | 11.8091% | 5,903 |
Total risk-based capital ratio | 13.1015% | 5,836 |
Memoranda: | ||
Average total assets | $34,963,200 | 6,632 |
Average earning assets | $31,694,800 | 6,619 |
Average equity | $2,086,400 | 6,938 |
Average total loans | $25,175,200 | 6,185 |
2012-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6997% | 2,806 |
Cost of funding earning assets | 0.7770% | 3,141 |
Net interest margin | 3.9227% | 2,829 |
Noninterest income to average assets | 4.3273% | 169 |
Noninterest expense to average assets | 3.3089% | 2,247 |
Loan and lease loss provision to assets | 5.8871% | 7 |
Net operating income to assets | -1.3326% | 6,932 |
Return on assets (ROA) | -1.3326% | 6,952 |
Pretax return on assets | -1.3326% | 6,931 |
Return on Equity (ROE) | -24.4183% | 7,031 |
Retained earnings to average equity (ytd only) | -24.4183% | 7,020 |
Net charge-offs to loans | 4.4614% | 60 |
Credit loss provision to net charge-offs | 183.5891% | 1,513 |
Earnings coverage of net charge-offs (x) | 1.4203% | 4,578 |
Efficiency ratio | 42.0799% | 6,963 |
Assets per employee ($millions) | 4.9011% | 2,322 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
Condition Ratios (%) | ||
Loss allowance to loans | 4.1121% | 279 |
Loan loss allowance to noncurrent loans | 98.9194% | 3,262 |
Noncurrent assets plus other real estate owned to assets | 3.1975% | 1,606 |
Noncurrent loans to loans | 4.1570% | 1,199 |
Net loans and leases to total assets | 68.4447% | 2,227 |
Net loans and leases to deposits | 73.4593% | 3,371 |
Net loans and leases to core deposits | 91.4088% | 1,836 |
Total domestic deposits to total assets | 93.1736% | 101 |
Equity capital to assets | 6.6165% | 6,926 |
Core capital (leverage) ratio | 6.6843% | 6,846 |
Tier 1 risk-based capital ratio | 9.6734% | 6,877 |
Total risk-based capital ratio | 10.9567% | 6,856 |
Memoranda: | ||
Average total assets | $35,217,500 | 6,711 |
Average earning assets | $31,745,750 | 6,700 |
Average equity | $1,922,000 | 7,054 |
Average total loans | $25,312,750 | 6,259 |
2012-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8032% | 2,494 |
Cost of funding earning assets | 0.8353% | 2,905 |
Net interest margin | 3.9679% | 2,645 |
Noninterest income to average assets | 0.5518% | 3,573 |
Noninterest expense to average assets | 2.6970% | 4,442 |
Loan and lease loss provision to assets | 8.7555% | 2 |
Net operating income to assets | -7.3704% | 7,233 |
Return on assets (ROA) | -7.3704% | 7,233 |
Pretax return on assets | -7.3704% | 7,233 |
Return on Equity (ROE) | -144.9612% | 7,222 |
Retained earnings to average equity (ytd only) | -144.9612% | 7,220 |
Net charge-offs to loans | 4.0489% | 106 |
Credit loss provision to net charge-offs | 300.1931% | 968 |
Earnings coverage of net charge-offs (x) | 0.4749% | 4,838 |
Efficiency ratio | 66.0690% | 4,517 |
Assets per employee ($millions) | 4.1596% | 3,544 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
Condition Ratios (%) | ||
Loss allowance to loans | 5.3467% | 124 |
Loan loss allowance to noncurrent loans | 167.5439% | 2,001 |
Noncurrent assets plus other real estate owned to assets | 2.6355% | 2,102 |
Noncurrent loans to loans | 3.1912% | 1,822 |
Net loans and leases to total assets | 71.1272% | 1,716 |
Net loans and leases to deposits | 74.1649% | 3,268 |
Net loans and leases to core deposits | 83.9148% | 2,701 |
Total domestic deposits to total assets | 95.9041% | 36 |
Equity capital to assets | 3.9336% | 7,146 |
Core capital (leverage) ratio | 3.6533% | 7,148 |
Tier 1 risk-based capital ratio | 5.3337% | 7,153 |
Total risk-based capital ratio | 6.6335% | 7,152 |
Memoranda: | ||
Average total assets | $35,520,670 | 6,754 |
Average earning assets | $31,604,000 | 6,751 |
Average equity | $1,806,000 | 7,126 |
Average total loans | $25,587,330 | 6,281 |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9708% | 1,990 |
Cost of funding earning assets | 0.9183% | 2,537 |
Net interest margin | 4.0526% | 2,290 |
Noninterest income to average assets | 0.5567% | 3,525 |
Noninterest expense to average assets | 2.6636% | 4,569 |
Loan and lease loss provision to assets | 13.8419% | 2 |
Net operating income to assets | -12.3354% | 7,302 |
Return on assets (ROA) | -12.3354% | 7,302 |
Pretax return on assets | -12.3354% | 7,303 |
Return on Equity (ROE) | -220.0049% | 7,289 |
Retained earnings to average equity (ytd only) | -220.0049% | 7,286 |
Net charge-offs to loans | 6.1519% | 60 |
Credit loss provision to net charge-offs | 318.5930% | 937 |
Earnings coverage of net charge-offs (x) | 0.3467% | 4,189 |
Efficiency ratio | 63.8743% | 4,945 |
Assets per employee ($millions) | 4.5831% | 2,840 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
Condition Ratios (%) | ||
Loss allowance to loans | 4.7660% | 210 |
Loan loss allowance to noncurrent loans | 150.4505% | 2,166 |
Noncurrent assets plus other real estate owned to assets | 2.2801% | 2,613 |
Noncurrent loans to loans | 3.1678% | 2,028 |
Net loans and leases to total assets | 63.7093% | 2,910 |
Net loans and leases to deposits | 66.5404% | 4,297 |
Net loans and leases to core deposits | 75.0538% | 3,738 |
Total domestic deposits to total assets | 95.7453% | 42 |
Equity capital to assets | 4.0584% | 7,182 |
Core capital (leverage) ratio | 3.8131% | 7,193 |
Tier 1 risk-based capital ratio | 5.9586% | 7,177 |
Total risk-based capital ratio | 7.2503% | 7,177 |
Memoranda: | ||
Average total assets | $36,642,500 | 6,774 |
Average earning assets | $32,670,500 | 6,774 |
Average equity | $2,054,500 | 7,138 |
Average total loans | $25,878,000 | 6,316 |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7092% | 4,201 |
Cost of funding earning assets | 1.0325% | 3,142 |
Net interest margin | 3.6767% | 4,406 |
Noninterest income to average assets | 0.5128% | 3,763 |
Noninterest expense to average assets | 2.6971% | 4,754 |
Loan and lease loss provision to assets | 0.3742% | 2,753 |
Net operating income to assets | 0.7678% | 3,187 |
Return on assets (ROA) | 0.7152% | 3,596 |
Pretax return on assets | 0.7152% | 4,266 |
Return on Equity (ROE) | 10.3324% | 1,945 |
Retained earnings to average equity (ytd only) | 9.5314% | 666 |
Net charge-offs to loans | 0.8092% | 2,131 |
Credit loss provision to net charge-offs | 67.5000% | 4,945 |
Earnings coverage of net charge-offs (x) | 2.0600% | 4,237 |
Efficiency ratio | 70.2527% | 3,896 |
Assets per employee ($millions) | 4.0689% | 3,713 |
Cash dividends to net income (ytd only)* | 7.7519% | 3,915 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0981% | 5,819 |
Loan loss allowance to noncurrent loans | 75.3149% | 3,843 |
Noncurrent assets plus other real estate owned to assets | 1.0841% | 4,447 |
Noncurrent loans to loans | 1.4581% | 3,978 |
Net loans and leases to total assets | 73.5363% | 1,349 |
Net loans and leases to deposits | 81.0797% | 2,342 |
Net loans and leases to core deposits | 94.8204% | 1,612 |
Total domestic deposits to total assets | 90.6963% | 633 |
Equity capital to assets | 7.1573% | 6,921 |
Core capital (leverage) ratio | 7.3003% | 6,746 |
Tier 1 risk-based capital ratio | 9.3884% | 6,980 |
Total risk-based capital ratio | 10.4603% | 7,000 |
Memoranda: | ||
Average total assets | $36,075,200 | 6,796 |
Average earning assets | $32,638,200 | 6,788 |
Average equity | $2,497,000 | 7,120 |
Average total loans | $24,714,400 | 6,435 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5712% | 4,998 |
Cost of funding earning assets | 1.0543% | 3,288 |
Net interest margin | 3.5169% | 5,117 |
Noninterest income to average assets | 0.5194% | 3,732 |
Noninterest expense to average assets | 2.6600% | 4,871 |
Loan and lease loss provision to assets | 0.5008% | 1,978 |
Net operating income to assets | 0.5639% | 4,255 |
Return on assets (ROA) | 0.5639% | 4,422 |
Pretax return on assets | 0.5639% | 4,919 |
Return on Equity (ROE) | 8.2182% | 2,954 |
Retained earnings to average equity (ytd only) | 7.1371% | 1,894 |
Net charge-offs to loans | 1.0905% | 1,458 |
Credit loss provision to net charge-offs | 68.5279% | 4,530 |
Earnings coverage of net charge-offs (x) | 1.4569% | 4,543 |
Efficiency ratio | 71.4143% | 3,664 |
Assets per employee ($millions) | 4.0986% | 3,648 |
Cash dividends to net income (ytd only)* | 13.1600% | 3,180 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1446% | 5,709 |
Loan loss allowance to noncurrent loans | 60.5210% | 4,435 |
Noncurrent assets plus other real estate owned to assets | 1.3528% | 4,115 |
Noncurrent loans to loans | 1.8913% | 3,513 |
Net loans and leases to total assets | 70.7078% | 1,942 |
Net loans and leases to deposits | 76.0541% | 3,321 |
Net loans and leases to core deposits | 88.4106% | 2,435 |
Total domestic deposits to total assets | 92.9704% | 135 |
Equity capital to assets | 6.8181% | 7,085 |
Core capital (leverage) ratio | 6.9668% | 6,972 |
Tier 1 risk-based capital ratio | 9.1362% | 7,097 |
Total risk-based capital ratio | 10.2341% | 7,114 |
Memoranda: | ||
Average total assets | $35,939,000 | 6,858 |
Average earning assets | $32,755,000 | 6,848 |
Average equity | $2,466,000 | 7,195 |
Average total loans | $24,086,000 | 6,526 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4182% | 5,627 |
Cost of funding earning assets | 1.0722% | 3,453 |
Net interest margin | 3.3460% | 5,721 |
Noninterest income to average assets | 0.5165% | 3,735 |
Noninterest expense to average assets | 2.7286% | 4,714 |
Loan and lease loss provision to assets | 0.0000% | 6,217 |
Net operating income to assets | 0.8365% | 2,917 |
Return on assets (ROA) | 0.8365% | 3,024 |
Pretax return on assets | 0.8365% | 3,878 |
Return on Equity (ROE) | 12.1649% | 1,449 |
Retained earnings to average equity (ytd only) | 12.1649% | 502 |
Net charge-offs to loans | 0.0343% | 5,374 |
Credit loss provision to net charge-offs | 0.0000% | 5,336 |
Earnings coverage of net charge-offs (x) | 37.2500% | 783 |
Efficiency ratio | 76.5354% | 2,931 |
Assets per employee ($millions) | 3.5242% | 4,885 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5332% | 3,971 |
Loan loss allowance to noncurrent loans | 81.8182% | 3,447 |
Noncurrent assets plus other real estate owned to assets | 1.2485% | 4,399 |
Noncurrent loans to loans | 1.8739% | 3,648 |
Net loans and leases to total assets | 65.6035% | 3,115 |
Net loans and leases to deposits | 70.8268% | 4,320 |
Net loans and leases to core deposits | 84.5462% | 3,130 |
Total domestic deposits to total assets | 92.6253% | 154 |
Equity capital to assets | 7.1846% | 7,061 |
Core capital (leverage) ratio | 6.7798% | 7,062 |
Tier 1 risk-based capital ratio | 10.0337% | 6,960 |
Total risk-based capital ratio | 11.2869% | 6,959 |
Memoranda: | ||
Average total assets | $35,623,000 | 6,931 |
Average earning assets | $32,456,670 | 6,920 |
Average equity | $2,449,670 | 7,254 |
Average total loans | $23,320,000 | 6,621 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3181% | 5,962 |
Cost of funding earning assets | 1.1163% | 3,407 |
Net interest margin | 3.2018% | 6,063 |
Noninterest income to average assets | 0.5138% | 3,778 |
Noninterest expense to average assets | 2.8369% | 4,307 |
Loan and lease loss provision to assets | 0.0000% | 5,840 |
Net operating income to assets | 0.5920% | 4,073 |
Return on assets (ROA) | 0.5920% | 4,143 |
Pretax return on assets | 0.5920% | 4,716 |
Return on Equity (ROE) | 8.8022% | 2,556 |
Retained earnings to average equity (ytd only) | 8.8022% | 1,451 |
Net charge-offs to loans | 0.0344% | 4,616 |
Credit loss provision to net charge-offs | 0.0000% | 4,480 |
Earnings coverage of net charge-offs (x) | 26.5000% | 923 |
Efficiency ratio | 82.7362% | 2,115 |
Assets per employee ($millions) | 3.7498% | 4,427 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5774% | 3,828 |
Loan loss allowance to noncurrent loans | 86.0190% | 3,319 |
Noncurrent assets plus other real estate owned to assets | 1.1254% | 4,677 |
Noncurrent loans to loans | 1.8338% | 3,788 |
Net loans and leases to total assets | 60.4006% | 4,189 |
Net loans and leases to deposits | 64.7503% | 5,162 |
Net loans and leases to core deposits | 80.2900% | 3,708 |
Total domestic deposits to total assets | 93.2823% | 113 |
Equity capital to assets | 6.4910% | 7,211 |
Core capital (leverage) ratio | 6.1335% | 7,226 |
Tier 1 risk-based capital ratio | 9.6787% | 7,101 |
Total risk-based capital ratio | 10.9313% | 7,114 |
Memoranda: | ||
Average total assets | $35,813,500 | 6,969 |
Average earning assets | $32,607,000 | 6,967 |
Average equity | $2,408,500 | 7,320 |
Average total loans | $23,240,000 | 6,684 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0427% | 4,352 |
Cost of funding earning assets | 1.2127% | 4,475 |
Net interest margin | 3.8300% | 3,818 |
Noninterest income to average assets | 0.5930% | 3,523 |
Noninterest expense to average assets | 3.2468% | 2,926 |
Loan and lease loss provision to assets | 0.0000% | 7,042 |
Net operating income to assets | 0.8392% | 2,636 |
Return on assets (ROA) | 0.8392% | 2,771 |
Pretax return on assets | 0.7744% | 3,713 |
Return on Equity (ROE) | 11.1571% | 1,539 |
Retained earnings to average equity (ytd only) | 6.4185% | 1,608 |
Net charge-offs to loans | 0.0937% | 5,904 |
Credit loss provision to net charge-offs | 0.0000% | 6,628 |
Earnings coverage of net charge-offs (x) | 11.9500% | 1,551 |
Efficiency ratio | 80.7413% | 2,313 |
Assets per employee ($millions) | 3.4129% | 5,141 |
Cash dividends to net income (ytd only)* | 42.4710% | 2,469 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5510% | 3,771 |
Loan loss allowance to noncurrent loans | 175.8454% | 1,698 |
Noncurrent assets plus other real estate owned to assets | 0.6065% | 5,809 |
Noncurrent loans to loans | 0.8821% | 5,299 |
Net loans and leases to total assets | 67.6961% | 3,058 |
Net loans and leases to deposits | 72.9316% | 4,363 |
Net loans and leases to core deposits | 88.2506% | 3,018 |
Total domestic deposits to total assets | 92.8214% | 154 |
Equity capital to assets | 6.9823% | 7,118 |
Core capital (leverage) ratio | 7.1130% | 6,966 |
Tier 1 risk-based capital ratio | 9.5619% | 7,121 |
Total risk-based capital ratio | 10.8108% | 7,131 |
Memoranda: | ||
Average total assets | $30,861,000 | 7,177 |
Average earning assets | $27,624,000 | 7,171 |
Average equity | $2,321,400 | 7,450 |
Average total loans | $21,343,000 | 6,860 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1870% | 3,900 |
Cost of funding earning assets | 1.1947% | 4,891 |
Net interest margin | 3.9923% | 3,140 |
Noninterest income to average assets | 0.6035% | 3,418 |
Noninterest expense to average assets | 3.2929% | 2,596 |
Loan and lease loss provision to assets | 0.0000% | 6,977 |
Net operating income to assets | 0.8698% | 2,734 |
Return on assets (ROA) | 0.8698% | 2,870 |
Pretax return on assets | 0.8698% | 3,666 |
Return on Equity (ROE) | 11.3326% | 1,688 |
Retained earnings to average equity (ytd only) | 5.5507% | 2,623 |
Net charge-offs to loans | 0.0705% | 5,805 |
Credit loss provision to net charge-offs | 0.0000% | 6,367 |
Earnings coverage of net charge-offs (x) | 17.8139% | 1,301 |
Efficiency ratio | 79.1045% | 2,477 |
Assets per employee ($millions) | 3.2361% | 5,603 |
Cash dividends to net income (ytd only)* | 51.0198% | 1,587 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7539% | 2,961 |
Loan loss allowance to noncurrent loans | 88.5986% | 3,092 |
Noncurrent assets plus other real estate owned to assets | 1.3009% | 4,542 |
Noncurrent loans to loans | 1.9796% | 3,709 |
Net loans and leases to total assets | 64.5654% | 4,003 |
Net loans and leases to deposits | 69.7839% | 5,182 |
Net loans and leases to core deposits | 87.9414% | 3,375 |
Total domestic deposits to total assets | 92.5219% | 130 |
Equity capital to assets | 7.2031% | 7,261 |
Core capital (leverage) ratio | 7.2072% | 7,054 |
Tier 1 risk-based capital ratio | 10.1107% | 7,005 |
Total risk-based capital ratio | 11.3659% | 6,984 |
Memoranda: | ||
Average total assets | $30,044,000 | 7,292 |
Average earning assets | $26,784,500 | 7,287 |
Average equity | $2,306,000 | 7,549 |
Average total loans | $20,811,750 | 6,970 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2944% | 3,497 |
Cost of funding earning assets | 1.1526% | 5,388 |
Net interest margin | 4.1418% | 2,369 |
Noninterest income to average assets | 0.6423% | 3,052 |
Noninterest expense to average assets | 3.4641% | 2,115 |
Loan and lease loss provision to assets | 0.0000% | 6,857 |
Net operating income to assets | 0.8609% | 2,692 |
Return on assets (ROA) | 0.8609% | 2,833 |
Pretax return on assets | 0.8609% | 3,654 |
Return on Equity (ROE) | 10.9676% | 1,765 |
Retained earnings to average equity (ytd only) | 10.9676% | 667 |
Net charge-offs to loans | 0.0774% | 5,369 |
Credit loss provision to net charge-offs | 0.0000% | 6,004 |
Earnings coverage of net charge-offs (x) | 15.7500% | 1,440 |
Efficiency ratio | 80.0948% | 2,432 |
Assets per employee ($millions) | 3.4384% | 5,078 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7863% | 2,763 |
Loan loss allowance to noncurrent loans | 338.7387% | 868 |
Noncurrent assets plus other real estate owned to assets | 0.3587% | 6,538 |
Noncurrent loans to loans | 0.5273% | 6,202 |
Net loans and leases to total assets | 66.8035% | 3,669 |
Net loans and leases to deposits | 72.5012% | 4,911 |
Net loans and leases to core deposits | 89.7928% | 3,304 |
Total domestic deposits to total assets | 92.1411% | 200 |
Equity capital to assets | 7.6133% | 7,043 |
Core capital (leverage) ratio | 7.8905% | 6,394 |
Tier 1 risk-based capital ratio | 10.5061% | 6,681 |
Total risk-based capital ratio | 11.7626% | 6,665 |
Memoranda: | ||
Average total assets | $29,271,670 | 7,371 |
Average earning assets | $26,027,330 | 7,371 |
Average equity | $2,297,670 | 7,608 |
Average total loans | $20,660,000 | 7,029 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.5070% | 2,549 |
Cost of funding earning assets | 1.1585% | 5,615 |
Net interest margin | 4.3484% | 1,540 |
Noninterest income to average assets | 0.6752% | 2,776 |
Noninterest expense to average assets | 3.6294% | 1,667 |
Loan and lease loss provision to assets | 0.0000% | 6,552 |
Net operating income to assets | 0.9003% | 2,539 |
Return on assets (ROA) | 0.9003% | 2,612 |
Pretax return on assets | 0.9003% | 3,467 |
Return on Equity (ROE) | 11.2850% | 1,694 |
Retained earnings to average equity (ytd only) | 11.2850% | 865 |
Net charge-offs to loans | 0.1955% | 3,741 |
Credit loss provision to net charge-offs | 0.0000% | 5,126 |
Earnings coverage of net charge-offs (x) | 6.4000% | 2,230 |
Efficiency ratio | 80.1242% | 2,551 |
Assets per employee ($millions) | 3.1991% | 5,771 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8091% | 2,705 |
Loan loss allowance to noncurrent loans | 2,671.4286% | 132 |
Noncurrent assets plus other real estate owned to assets | 0.0486% | 7,368 |
Noncurrent loans to loans | 0.0677% | 7,225 |
Net loans and leases to total assets | 70.5022% | 2,800 |
Net loans and leases to deposits | 76.8116% | 4,254 |
Net loans and leases to core deposits | 83.9600% | 4,205 |
Total domestic deposits to total assets | 91.7859% | 292 |
Equity capital to assets | 7.9571% | 6,703 |
Core capital (leverage) ratio | 7.7549% | 6,562 |
Tier 1 risk-based capital ratio | 10.6449% | 6,498 |
Total risk-based capital ratio | 11.9013% | 6,481 |
Memoranda: | ||
Average total assets | $28,434,500 | 7,497 |
Average earning assets | $25,204,500 | 7,487 |
Average equity | $2,268,500 | 7,701 |
Average total loans | $20,465,500 | 7,131 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3551% | 4,919 |
Cost of funding earning assets | 1.3377% | 6,179 |
Net interest margin | 4.0174% | 2,798 |
Noninterest income to average assets | 0.6846% | 3,059 |
Noninterest expense to average assets | 3.3446% | 2,857 |
Loan and lease loss provision to assets | 0.9301% | 2,420 |
Net operating income to assets | -0.1153% | 5,698 |
Return on assets (ROA) | -0.4874% | 6,157 |
Pretax return on assets | -0.4874% | 5,998 |
Return on Equity (ROE) | -5.1080% | 6,222 |
Retained earnings to average equity (ytd only) | -16.7278% | 6,972 |
Net charge-offs to loans | 1.2161% | 2,024 |
Credit loss provision to net charge-offs | 112.1076% | 4,891 |
Earnings coverage of net charge-offs (x) | 0.9821% | 5,131 |
Efficiency ratio | 80.4114% | 2,823 |
Assets per employee ($millions) | 3.1197% | 5,944 |
Cash dividends to net income (ytd only)* | -227.4809% | 7,962 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8955% | 2,270 |
Loan loss allowance to noncurrent loans | 1,097.1429% | 342 |
Noncurrent assets plus other real estate owned to assets | 0.1247% | 7,168 |
Noncurrent loans to loans | 0.1728% | 6,988 |
Net loans and leases to total assets | 70.7839% | 3,058 |
Net loans and leases to deposits | 79.0219% | 4,167 |
Net loans and leases to core deposits | 94.0425% | 4,670 |
Total domestic deposits to total assets | 89.5751% | 1,173 |
Equity capital to assets | 7.9994% | 6,578 |
Core capital (leverage) ratio | 7.9194% | 6,306 |
Tier 1 risk-based capital ratio | 10.5045% | 6,396 |
Total risk-based capital ratio | 11.7611% | 6,361 |
Memoranda: | ||
Average total assets | $26,878,800 | 7,590 |
Average earning assets | $23,248,800 | 7,607 |
Average equity | $2,564,600 | 7,713 |
Average total loans | $18,337,200 | 7,295 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.5906% | 3,922 |
Cost of funding earning assets | 1.3452% | 6,416 |
Net interest margin | 4.2454% | 1,886 |
Noninterest income to average assets | 0.7023% | 3,000 |
Noninterest expense to average assets | 3.3459% | 2,740 |
Loan and lease loss provision to assets | 0.0000% | 7,284 |
Net operating income to assets | 1.0133% | 2,007 |
Return on assets (ROA) | 0.8427% | 2,705 |
Pretax return on assets | 0.8427% | 3,405 |
Return on Equity (ROE) | 8.4708% | 2,461 |
Retained earnings to average equity (ytd only) | -4.5381% | 6,194 |
Net charge-offs to loans | 0.0896% | 5,789 |
Credit loss provision to net charge-offs | 0.0000% | 6,657 |
Earnings coverage of net charge-offs (x) | 16.8331% | 1,443 |
Efficiency ratio | 76.7549% | 3,368 |
Assets per employee ($millions) | 2.9142% | 6,370 |
Cash dividends to net income (ytd only)* | 153.5738% | 275 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8499% | 2,153 |
Loan loss allowance to noncurrent loans | 884.6154% | 404 |
Noncurrent assets plus other real estate owned to assets | 0.1487% | 7,169 |
Noncurrent loans to loans | 0.2091% | 6,977 |
Net loans and leases to total assets | 69.7918% | 3,568 |
Net loans and leases to deposits | 77.6755% | 4,786 |
Net loans and leases to core deposits | 93.5743% | 5,064 |
Total domestic deposits to total assets | 89.8505% | 827 |
Equity capital to assets | 9.8444% | 4,290 |
Core capital (leverage) ratio | 9.7820% | 3,538 |
Tier 1 risk-based capital ratio | 13.1536% | 4,081 |
Total risk-based capital ratio | 14.4019% | 4,022 |
Memoranda: | ||
Average total assets | $26,579,250 | 7,664 |
Average earning assets | $22,895,000 | 7,695 |
Average equity | $2,644,250 | 7,765 |
Average total loans | $17,857,000 | 7,386 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.6443% | 3,847 |
Cost of funding earning assets | 1.3782% | 6,553 |
Net interest margin | 4.2662% | 1,757 |
Noninterest income to average assets | 0.7192% | 2,872 |
Noninterest expense to average assets | 3.3413% | 2,821 |
Loan and lease loss provision to assets | 0.0000% | 7,158 |
Net operating income to assets | 1.0189% | 2,040 |
Return on assets (ROA) | 0.8915% | 2,601 |
Pretax return on assets | 0.8915% | 3,373 |
Return on Equity (ROE) | 8.9306% | 2,383 |
Retained earnings to average equity (ytd only) | -1.1257% | 5,516 |
Net charge-offs to loans | 0.1478% | 4,712 |
Credit loss provision to net charge-offs | 0.0000% | 6,237 |
Earnings coverage of net charge-offs (x) | 10.4615% | 1,992 |
Efficiency ratio | 76.6323% | 3,576 |
Assets per employee ($millions) | 2.9602% | 6,235 |
Cash dividends to net income (ytd only)* | 112.6050% | 577 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9562% | 1,664 |
Loan loss allowance to noncurrent loans | 661.5385% | 514 |
Noncurrent assets plus other real estate owned to assets | 0.1952% | 7,037 |
Noncurrent loans to loans | 0.2957% | 6,775 |
Net loans and leases to total assets | 64.7136% | 4,831 |
Net loans and leases to deposits | 72.0958% | 5,723 |
Net loans and leases to core deposits | 86.0974% | 5,892 |
Total domestic deposits to total assets | 89.7605% | 930 |
Equity capital to assets | 9.9730% | 3,977 |
Core capital (leverage) ratio | 9.6457% | 3,710 |
Tier 1 risk-based capital ratio | 14.0185% | 3,510 |
Total risk-based capital ratio | 15.2742% | 3,449 |
Memoranda: | ||
Average total assets | $26,696,330 | 7,734 |
Average earning assets | $22,784,000 | 7,772 |
Average equity | $2,665,000 | 7,833 |
Average total loans | $17,592,670 | 7,457 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.9486% | 2,572 |
Cost of funding earning assets | 1.5051% | 6,387 |
Net interest margin | 4.4435% | 1,239 |
Noninterest income to average assets | 0.6885% | 2,958 |
Noninterest expense to average assets | 3.5175% | 2,054 |
Loan and lease loss provision to assets | 0.0000% | 6,744 |
Net operating income to assets | 0.8831% | 2,775 |
Return on assets (ROA) | 0.7783% | 3,390 |
Pretax return on assets | 0.7783% | 4,157 |
Return on Equity (ROE) | 7.7932% | 3,246 |
Retained earnings to average equity (ytd only) | -8.6924% | 6,983 |
Net charge-offs to loans | 0.0000% | 5,728 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 79.9320% | 2,833 |
Assets per employee ($millions) | 2.9911% | 6,183 |
Cash dividends to net income (ytd only)* | 211.5385% | 272 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1129% | 1,207 |
Loan loss allowance to noncurrent loans | 147.5207% | 2,184 |
Noncurrent assets plus other real estate owned to assets | 0.8990% | 4,936 |
Noncurrent loans to loans | 1.4323% | 4,156 |
Net loans and leases to total assets | 61.4376% | 5,424 |
Net loans and leases to deposits | 68.2978% | 6,152 |
Net loans and leases to core deposits | 85.5348% | 5,945 |
Total domestic deposits to total assets | 89.9554% | 823 |
Equity capital to assets | 9.7548% | 4,301 |
Core capital (leverage) ratio | 9.3131% | 4,228 |
Tier 1 risk-based capital ratio | 14.0089% | 3,581 |
Total risk-based capital ratio | 15.2575% | 3,505 |
Memoranda: | ||
Average total assets | $26,723,500 | 7,772 |
Average earning assets | $22,324,500 | 7,831 |
Average equity | $2,669,000 | 7,876 |
Average total loans | $17,596,500 | 7,504 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.5252% | 2,840 |
Cost of funding earning assets | 1.7365% | 7,172 |
Net interest margin | 4.7888% | 795 |
Noninterest income to average assets | 0.6824% | 3,232 |
Noninterest expense to average assets | 3.3690% | 2,766 |
Loan and lease loss provision to assets | 0.0000% | 7,334 |
Net operating income to assets | 0.6612% | 4,059 |
Return on assets (ROA) | 0.6512% | 3,951 |
Pretax return on assets | 1.4700% | 1,766 |
Return on Equity (ROE) | 6.4009% | 3,797 |
Retained earnings to average equity (ytd only) | 2.5680% | 3,594 |
Net charge-offs to loans | 0.2500% | 3,774 |
Credit loss provision to net charge-offs | 0.0000% | 6,652 |
Earnings coverage of net charge-offs (x) | 9.0714% | 2,760 |
Efficiency ratio | 69.3976% | 4,461 |
Assets per employee ($millions) | 2.9474% | 6,180 |
Cash dividends to net income (ytd only)* | 59.8802% | 2,671 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9511% | 1,318 |
Loan loss allowance to noncurrent loans | 870.7317% | 539 |
Noncurrent assets plus other real estate owned to assets | 0.1546% | 6,951 |
Noncurrent loans to loans | 0.2241% | 6,715 |
Net loans and leases to total assets | 67.6292% | 4,531 |
Net loans and leases to deposits | 75.5878% | 5,640 |
Net loans and leases to core deposits | 102.4265% | 4,563 |
Total domestic deposits to total assets | 89.4711% | 859 |
Equity capital to assets | 10.2235% | 3,777 |
Core capital (leverage) ratio | 9.6831% | 3,786 |
Tier 1 risk-based capital ratio | 13.4734% | 3,838 |
Total risk-based capital ratio | 14.7291% | 3,731 |
Memoranda: | ||
Average total assets | $25,645,600 | 7,820 |
Average earning assets | $22,344,000 | 7,847 |
Average equity | $2,609,000 | 7,949 |
Average total loans | $16,800,200 | 7,531 |