Home > Bank of Birch Tree > Performance and Condition Ratios
Bank of Birch Tree, Performance and Condition Ratios
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 | 6.1329% | 251 |
Cost of funding earning assets | 0.6351% | 4,854 |
Net interest margin | 5.4978% | 187 |
Noninterest income to average assets | 0.5441% | 3,600 |
Noninterest expense to average assets | 4.2680% | 691 |
Loan and lease loss provision to assets | 0.5101% | 1,182 |
Net operating income to assets | 0.5611% | 4,543 |
Return on assets (ROA) | 0.5611% | 4,762 |
Pretax return on assets | 0.9182% | 3,974 |
Return on Equity (ROE) | 3.6071% | 5,458 |
Retained earnings to average equity (ytd only) | 1.8582% | 5,317 |
Net charge-offs to loans | 0.7096% | 1,407 |
Credit loss provision to net charge-offs | 100.0000% | 2,289 |
Earnings coverage of net charge-offs (x) | 2.8000% | 3,061 |
Efficiency ratio | 74.9254% | 2,954 |
Assets per employee ($millions) | 1.6834% | 7,188 |
Cash dividends to net income (ytd only)* | 48.4848% | 1,513 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.5208% | 1,321 |
Loan loss allowance to noncurrent loans | 78.5847% | 3,724 |
Noncurrent assets plus other real estate owned to assets | 2.5416% | 2,324 |
Noncurrent loans to loans | 3.2077% | 2,002 |
Net loans and leases to total assets | 69.2422% | 1,901 |
Net loans and leases to deposits | 82.2447% | 1,905 |
Net loans and leases to core deposits | 82.2447% | 2,796 |
Total domestic deposits to total assets | 84.1904% | 4,404 |
Equity capital to assets | 15.5677% | 645 |
Core capital (leverage) ratio | 15.5422% | 528 |
Tier 1 risk-based capital ratio | 23.2466% | 1,103 |
Total risk-based capital ratio | 24.5160% | 1,078 |
Memoranda: | ||
Average total assets | $23,524,000 | 7,111 |
Average earning assets | $22,045,000 | 7,075 |
Average equity | $3,659,500 | 6,810 |
Average total loans | $16,910,000 | 6,754 |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.5029% | 180 |
Cost of funding earning assets | 0.8089% | 4,802 |
Net interest margin | 5.6940% | 132 |
Noninterest income to average assets | 0.7465% | 2,354 |
Noninterest expense to average assets | 4.2868% | 729 |
Loan and lease loss provision to assets | 0.6697% | 1,527 |
Net operating income to assets | 0.7715% | 3,171 |
Return on assets (ROA) | 0.8702% | 2,878 |
Pretax return on assets | 1.2797% | 2,205 |
Return on Equity (ROE) | 5.6338% | 4,063 |
Retained earnings to average equity (ytd only) | -0.1105% | 5,867 |
Net charge-offs to loans | 0.4915% | 3,026 |
Credit loss provision to net charge-offs | 186.9048% | 1,381 |
Earnings coverage of net charge-offs (x) | 5.0357% | 2,913 |
Efficiency ratio | 70.3782% | 3,873 |
Assets per employee ($millions) | 1.6771% | 7,238 |
Cash dividends to net income (ytd only)* | 101.9608% | 300 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.4709% | 1,356 |
Loan loss allowance to noncurrent loans | 87.7339% | 3,407 |
Noncurrent assets plus other real estate owned to assets | 2.3680% | 2,559 |
Noncurrent loans to loans | 2.8163% | 2,328 |
Net loans and leases to total assets | 70.9412% | 1,833 |
Net loans and leases to deposits | 84.2880% | 1,885 |
Net loans and leases to core deposits | 84.2880% | 2,855 |
Total domestic deposits to total assets | 84.1652% | 4,251 |
Equity capital to assets | 15.5451% | 663 |
Core capital (leverage) ratio | 15.4953% | 529 |
Tier 1 risk-based capital ratio | 22.9682% | 1,104 |
Total risk-based capital ratio | 24.2347% | 1,084 |
Memoranda: | ||
Average total assets | $23,443,800 | 7,138 |
Average earning assets | $22,005,600 | 7,109 |
Average equity | $3,621,000 | 6,847 |
Average total loans | $17,089,600 | 6,800 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.6275% | 161 |
Cost of funding earning assets | 0.8413% | 4,840 |
Net interest margin | 5.7862% | 119 |
Noninterest income to average assets | 0.7055% | 2,575 |
Noninterest expense to average assets | 4.2784% | 732 |
Loan and lease loss provision to assets | 0.5177% | 1,914 |
Net operating income to assets | 0.9097% | 2,704 |
Return on assets (ROA) | 1.0355% | 2,348 |
Pretax return on assets | 1.5361% | 1,557 |
Return on Equity (ROE) | 6.7149% | 3,654 |
Retained earnings to average equity (ytd only) | -0.4059% | 6,051 |
Net charge-offs to loans | 0.1170% | 4,853 |
Credit loss provision to net charge-offs | 606.6667% | 442 |
Earnings coverage of net charge-offs (x) | 21.8660% | 1,169 |
Efficiency ratio | 69.6296% | 4,014 |
Assets per employee ($millions) | 1.6878% | 7,310 |
Cash dividends to net income (ytd only)* | 106.0455% | 254 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.5646% | 1,315 |
Loan loss allowance to noncurrent loans | 194.0639% | 1,591 |
Noncurrent assets plus other real estate owned to assets | 0.9268% | 4,899 |
Noncurrent loans to loans | 1.3215% | 4,333 |
Net loans and leases to total assets | 68.3355% | 2,418 |
Net loans and leases to deposits | 81.0552% | 2,517 |
Net loans and leases to core deposits | 81.0552% | 3,476 |
Total domestic deposits to total assets | 84.3074% | 4,096 |
Equity capital to assets | 15.4090% | 742 |
Core capital (leverage) ratio | 15.2550% | 614 |
Tier 1 risk-based capital ratio | 23.2402% | 1,114 |
Total risk-based capital ratio | 24.5113% | 1,095 |
Memoranda: | ||
Average total assets | $23,434,750 | 7,212 |
Average earning assets | $22,028,750 | 7,177 |
Average equity | $3,613,750 | 6,907 |
Average total loans | $17,092,250 | 6,869 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.6589% | 172 |
Cost of funding earning assets | 0.8630% | 4,964 |
Net interest margin | 5.7959% | 112 |
Noninterest income to average assets | 0.6504% | 2,835 |
Noninterest expense to average assets | 4.4330% | 646 |
Loan and lease loss provision to assets | 0.3766% | 2,534 |
Net operating income to assets | 0.8909% | 2,680 |
Return on assets (ROA) | 0.9499% | 2,531 |
Pretax return on assets | 1.3864% | 1,834 |
Return on Equity (ROE) | 6.1587% | 3,883 |
Retained earnings to average equity (ytd only) | -3.6064% | 6,432 |
Net charge-offs to loans | 0.2201% | 3,806 |
Credit loss provision to net charge-offs | 231.5789% | 1,298 |
Earnings coverage of net charge-offs (x) | 10.3158% | 1,823 |
Efficiency ratio | 72.5490% | 3,625 |
Assets per employee ($millions) | 1.5585% | 7,401 |
Cash dividends to net income (ytd only)* | 158.5586% | 156 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1713% | 1,974 |
Loan loss allowance to noncurrent loans | 526.7606% | 636 |
Noncurrent assets plus other real estate owned to assets | 0.3679% | 6,219 |
Noncurrent loans to loans | 0.4122% | 6,078 |
Net loans and leases to total assets | 72.0837% | 1,773 |
Net loans and leases to deposits | 85.3388% | 1,887 |
Net loans and leases to core deposits | 85.3388% | 3,025 |
Total domestic deposits to total assets | 84.4676% | 4,137 |
Equity capital to assets | 15.3099% | 745 |
Core capital (leverage) ratio | 15.0953% | 651 |
Tier 1 risk-based capital ratio | 22.3187% | 1,212 |
Total risk-based capital ratio | 23.5831% | 1,180 |
Memoranda: | ||
Average total assets | $23,370,000 | 7,279 |
Average earning assets | $22,015,670 | 7,246 |
Average equity | $3,604,670 | 6,954 |
Average total loans | $17,265,670 | 6,930 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.7548% | 149 |
Cost of funding earning assets | 0.8787% | 5,071 |
Net interest margin | 5.8762% | 109 |
Noninterest income to average assets | 0.6334% | 2,941 |
Noninterest expense to average assets | 4.3481% | 691 |
Loan and lease loss provision to assets | 0.3081% | 2,702 |
Net operating income to assets | 1.0785% | 1,915 |
Return on assets (ROA) | 1.0785% | 1,968 |
Pretax return on assets | 1.4722% | 1,525 |
Return on Equity (ROE) | 6.9661% | 3,399 |
Retained earnings to average equity (ytd only) | 1.7692% | 5,059 |
Net charge-offs to loans | 0.0231% | 4,760 |
Credit loss provision to net charge-offs | 1,800.0000% | 218 |
Earnings coverage of net charge-offs (x) | 104.0000% | 306 |
Efficiency ratio | 70.9497% | 4,069 |
Assets per employee ($millions) | 1.5857% | 7,459 |
Cash dividends to net income (ytd only)* | 74.6032% | 936 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1366% | 2,106 |
Loan loss allowance to noncurrent loans | 554.5455% | 591 |
Noncurrent assets plus other real estate owned to assets | 0.3742% | 6,272 |
Noncurrent loans to loans | 0.3853% | 6,226 |
Net loans and leases to total assets | 70.4814% | 2,041 |
Net loans and leases to deposits | 85.5655% | 1,794 |
Net loans and leases to core deposits | 85.5655% | 2,946 |
Total domestic deposits to total assets | 82.3712% | 5,159 |
Equity capital to assets | 15.2491% | 713 |
Core capital (leverage) ratio | 15.5178% | 578 |
Tier 1 risk-based capital ratio | 22.9669% | 1,085 |
Total risk-based capital ratio | 24.2326% | 1,070 |
Memoranda: | ||
Average total assets | $23,366,500 | 7,332 |
Average earning assets | $21,851,000 | 7,300 |
Average equity | $3,617,500 | 6,981 |
Average total loans | $17,286,000 | 6,983 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.7663% | 211 |
Cost of funding earning assets | 1.2110% | 4,489 |
Net interest margin | 5.5554% | 158 |
Noninterest income to average assets | 0.7340% | 2,628 |
Noninterest expense to average assets | 4.3043% | 806 |
Loan and lease loss provision to assets | 0.7174% | 2,285 |
Net operating income to assets | 0.6262% | 3,553 |
Return on assets (ROA) | 0.6262% | 3,716 |
Pretax return on assets | 0.9247% | 3,175 |
Return on Equity (ROE) | 4.1474% | 4,456 |
Retained earnings to average equity (ytd only) | -1.5656% | 5,900 |
Net charge-offs to loans | 0.7355% | 2,815 |
Credit loss provision to net charge-offs | 128.1481% | 3,134 |
Earnings coverage of net charge-offs (x) | 2.9333% | 3,604 |
Efficiency ratio | 72.3849% | 3,724 |
Assets per employee ($millions) | 1.6391% | 7,530 |
Cash dividends to net income (ytd only)* | 137.7483% | 193 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0009% | 2,299 |
Loan loss allowance to noncurrent loans | 536.9231% | 606 |
Noncurrent assets plus other real estate owned to assets | 0.6188% | 5,774 |
Noncurrent loans to loans | 0.3727% | 6,307 |
Net loans and leases to total assets | 74.4858% | 1,572 |
Net loans and leases to deposits | 88.7764% | 1,680 |
Net loans and leases to core deposits | 90.4105% | 2,711 |
Total domestic deposits to total assets | 83.9027% | 4,399 |
Equity capital to assets | 15.7225% | 638 |
Core capital (leverage) ratio | 15.4158% | 597 |
Tier 1 risk-based capital ratio | 22.5179% | 1,103 |
Total risk-based capital ratio | 23.7769% | 1,088 |
Memoranda: | ||
Average total assets | $24,115,600 | 7,369 |
Average earning assets | $22,626,800 | 7,331 |
Average equity | $3,640,800 | 7,098 |
Average total loans | $18,356,000 | 7,009 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.7258% | 225 |
Cost of funding earning assets | 1.2742% | 4,408 |
Net interest margin | 5.4516% | 189 |
Noninterest income to average assets | 0.7429% | 2,563 |
Noninterest expense to average assets | 4.2882% | 752 |
Loan and lease loss provision to assets | 0.8467% | 1,795 |
Net operating income to assets | 0.5026% | 4,305 |
Return on assets (ROA) | 0.5026% | 4,494 |
Pretax return on assets | 0.7265% | 4,156 |
Return on Equity (ROE) | 3.3615% | 5,073 |
Retained earnings to average equity (ytd only) | -4.2384% | 6,486 |
Net charge-offs to loans | 0.8179% | 2,410 |
Credit loss provision to net charge-offs | 135.9649% | 2,953 |
Earnings coverage of net charge-offs (x) | 2.5263% | 3,904 |
Efficiency ratio | 73.1594% | 3,492 |
Assets per employee ($millions) | 1.6067% | 7,640 |
Cash dividends to net income (ytd only)* | 226.0965% | 71 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0268% | 2,157 |
Loan loss allowance to noncurrent loans | 341.7476% | 869 |
Noncurrent assets plus other real estate owned to assets | 0.5228% | 6,123 |
Noncurrent loans to loans | 0.5931% | 6,028 |
Net loans and leases to total assets | 70.6017% | 2,588 |
Net loans and leases to deposits | 83.1501% | 2,881 |
Net loans and leases to core deposits | 84.5802% | 3,865 |
Total domestic deposits to total assets | 84.9087% | 3,662 |
Equity capital to assets | 14.8963% | 910 |
Core capital (leverage) ratio | 14.6901% | 775 |
Tier 1 risk-based capital ratio | 22.0178% | 1,204 |
Total risk-based capital ratio | 23.2813% | 1,174 |
Memoranda: | ||
Average total assets | $24,407,500 | 7,462 |
Average earning assets | $22,916,250 | 7,421 |
Average equity | $3,649,000 | 7,186 |
Average total loans | $18,584,500 | 7,092 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.7770% | 214 |
Cost of funding earning assets | 1.3153% | 4,438 |
Net interest margin | 5.4617% | 181 |
Noninterest income to average assets | 0.7344% | 2,489 |
Noninterest expense to average assets | 4.2676% | 745 |
Loan and lease loss provision to assets | 0.4733% | 2,952 |
Net operating income to assets | 0.6936% | 3,427 |
Return on assets (ROA) | 0.6936% | 3,584 |
Pretax return on assets | 1.1098% | 2,755 |
Return on Equity (ROE) | 4.6338% | 4,468 |
Retained earnings to average equity (ytd only) | -6.7054% | 6,716 |
Net charge-offs to loans | 1.0216% | 1,829 |
Credit loss provision to net charge-offs | 59.7938% | 5,204 |
Earnings coverage of net charge-offs (x) | 2.0000% | 4,021 |
Efficiency ratio | 72.9428% | 3,668 |
Assets per employee ($millions) | 1.6288% | 7,702 |
Cash dividends to net income (ytd only)* | 244.7059% | 84 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5178% | 3,826 |
Loan loss allowance to noncurrent loans | 119.8238% | 2,337 |
Noncurrent assets plus other real estate owned to assets | 1.0478% | 5,048 |
Noncurrent loans to loans | 1.2667% | 4,849 |
Net loans and leases to total assets | 72.2372% | 2,338 |
Net loans and leases to deposits | 84.8428% | 2,731 |
Net loans and leases to core deposits | 86.2694% | 3,790 |
Total domestic deposits to total assets | 85.1424% | 3,548 |
Equity capital to assets | 14.6570% | 960 |
Core capital (leverage) ratio | 14.4415% | 829 |
Tier 1 risk-based capital ratio | 21.2099% | 1,310 |
Total risk-based capital ratio | 22.4653% | 1,281 |
Memoranda: | ||
Average total assets | $24,510,000 | 7,513 |
Average earning assets | $22,960,000 | 7,477 |
Average equity | $3,668,670 | 7,222 |
Average total loans | $18,990,330 | 7,126 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.6639% | 279 |
Cost of funding earning assets | 1.3293% | 4,628 |
Net interest margin | 5.3346% | 232 |
Noninterest income to average assets | 0.6843% | 2,708 |
Noninterest expense to average assets | 4.2201% | 787 |
Loan and lease loss provision to assets | 0.2444% | 4,095 |
Net operating income to assets | 0.8473% | 2,759 |
Return on assets (ROA) | 0.8473% | 2,853 |
Pretax return on assets | 1.2546% | 2,194 |
Return on Equity (ROE) | 5.6027% | 4,063 |
Retained earnings to average equity (ytd only) | 5.6027% | 2,813 |
Net charge-offs to loans | 0.4712% | 2,634 |
Credit loss provision to net charge-offs | 65.2174% | 4,198 |
Earnings coverage of net charge-offs (x) | 4.0000% | 2,724 |
Efficiency ratio | 73.7892% | 3,605 |
Assets per employee ($millions) | 1.6532% | 7,797 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6086% | 3,399 |
Loan loss allowance to noncurrent loans | 60.7214% | 4,333 |
Noncurrent assets plus other real estate owned to assets | 2.2099% | 3,263 |
Noncurrent loans to loans | 2.6492% | 3,024 |
Net loans and leases to total assets | 74.7359% | 1,801 |
Net loans and leases to deposits | 90.3168% | 1,858 |
Net loans and leases to core deposits | 91.8476% | 3,128 |
Total domestic deposits to total assets | 82.7486% | 4,737 |
Equity capital to assets | 15.0738% | 866 |
Core capital (leverage) ratio | 15.2716% | 695 |
Tier 1 risk-based capital ratio | 21.1489% | 1,315 |
Total risk-based capital ratio | 22.4047% | 1,295 |
Memoranda: | ||
Average total assets | $24,549,000 | 7,605 |
Average earning assets | $23,169,500 | 7,560 |
Average equity | $3,712,500 | 7,283 |
Average total loans | $19,525,000 | 7,182 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 7.4030% | 151 |
Cost of funding earning assets | 1.7507% | 4,248 |
Net interest margin | 5.6523% | 156 |
Noninterest income to average assets | 0.7097% | 2,899 |
Noninterest expense to average assets | 4.1279% | 1,187 |
Loan and lease loss provision to assets | 0.2918% | 5,092 |
Net operating income to assets | 1.0921% | 1,531 |
Return on assets (ROA) | 1.0921% | 1,579 |
Pretax return on assets | 1.6362% | 890 |
Return on Equity (ROE) | 7.5329% | 2,570 |
Retained earnings to average equity (ytd only) | -0.1360% | 4,973 |
Net charge-offs to loans | 0.2671% | 4,948 |
Credit loss provision to net charge-offs | 137.0370% | 3,596 |
Earnings coverage of net charge-offs (x) | 9.0556% | 1,851 |
Efficiency ratio | 68.1641% | 4,978 |
Assets per employee ($millions) | 1.6200% | 7,875 |
Cash dividends to net income (ytd only)* | 101.8051% | 599 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5385% | 3,536 |
Loan loss allowance to noncurrent loans | 121.0117% | 2,331 |
Noncurrent assets plus other real estate owned to assets | 1.6543% | 3,890 |
Noncurrent loans to loans | 1.2714% | 4,804 |
Net loans and leases to total assets | 81.9053% | 696 |
Net loans and leases to deposits | 96.8045% | 1,227 |
Net loans and leases to core deposits | 134.7346% | 1,013 |
Total domestic deposits to total assets | 84.6091% | 3,754 |
Equity capital to assets | 15.1728% | 878 |
Core capital (leverage) ratio | 14.6601% | 848 |
Tier 1 risk-based capital ratio | 19.6878% | 1,520 |
Total risk-based capital ratio | 20.9431% | 1,482 |
Memoranda: | ||
Average total assets | $25,364,000 | 7,632 |
Average earning assets | $23,990,400 | 7,580 |
Average equity | $3,677,200 | 7,397 |
Average total loans | $20,216,800 | 7,178 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 7.3089% | 188 |
Cost of funding earning assets | 1.7860% | 4,442 |
Net interest margin | 5.5229% | 179 |
Noninterest income to average assets | 0.7179% | 2,900 |
Noninterest expense to average assets | 4.0732% | 1,183 |
Loan and lease loss provision to assets | 0.1821% | 5,542 |
Net operating income to assets | 1.0977% | 1,739 |
Return on assets (ROA) | 1.0977% | 1,797 |
Pretax return on assets | 1.6907% | 990 |
Return on Equity (ROE) | 7.6558% | 2,793 |
Retained earnings to average equity (ytd only) | 0.9070% | 4,801 |
Net charge-offs to loans | 0.3825% | 3,734 |
Credit loss provision to net charge-offs | 60.3448% | 6,164 |
Earnings coverage of net charge-offs (x) | 6.2070% | 2,646 |
Efficiency ratio | 68.5039% | 4,880 |
Assets per employee ($millions) | 1.8259% | 7,885 |
Cash dividends to net income (ytd only)* | 88.1491% | 776 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3439% | 4,244 |
Loan loss allowance to noncurrent loans | 160.4790% | 1,795 |
Noncurrent assets plus other real estate owned to assets | 1.4552% | 4,206 |
Noncurrent loans to loans | 0.8374% | 5,622 |
Net loans and leases to total assets | 76.9628% | 1,794 |
Net loans and leases to deposits | 97.0693% | 1,433 |
Net loans and leases to core deposits | 129.7415% | 1,450 |
Total domestic deposits to total assets | 79.2865% | 5,699 |
Equity capital to assets | 14.5679% | 1,121 |
Core capital (leverage) ratio | 14.5007% | 956 |
Tier 1 risk-based capital ratio | 19.8115% | 1,594 |
Total risk-based capital ratio | 21.0645% | 1,554 |
Memoranda: | ||
Average total assets | $25,630,000 | 7,696 |
Average earning assets | $24,262,000 | 7,635 |
Average equity | $3,674,750 | 7,453 |
Average total loans | $20,217,500 | 7,243 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 7.3119% | 199 |
Cost of funding earning assets | 1.8444% | 4,543 |
Net interest margin | 5.4674% | 185 |
Noninterest income to average assets | 0.7485% | 2,712 |
Noninterest expense to average assets | 4.0776% | 1,217 |
Loan and lease loss provision to assets | 0.2339% | 4,717 |
Net operating income to assets | 1.0603% | 1,913 |
Return on assets (ROA) | 1.0603% | 1,989 |
Pretax return on assets | 1.6139% | 1,175 |
Return on Equity (ROE) | 7.4351% | 3,016 |
Retained earnings to average equity (ytd only) | -2.7335% | 5,920 |
Net charge-offs to loans | 0.4235% | 3,108 |
Credit loss provision to net charge-offs | 69.7674% | 5,420 |
Earnings coverage of net charge-offs (x) | 5.5116% | 2,822 |
Efficiency ratio | 68.8158% | 5,008 |
Assets per employee ($millions) | 1.7010% | 8,021 |
Cash dividends to net income (ytd only)* | 136.7647% | 409 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3779% | 3,848 |
Loan loss allowance to noncurrent loans | 187.8378% | 1,599 |
Noncurrent assets plus other real estate owned to assets | 1.2502% | 4,439 |
Noncurrent loans to loans | 0.7335% | 5,778 |
Net loans and leases to total assets | 77.9855% | 1,745 |
Net loans and leases to deposits | 97.9666% | 1,521 |
Net loans and leases to core deposits | 129.9249% | 1,567 |
Total domestic deposits to total assets | 79.6042% | 5,589 |
Equity capital to assets | 14.1877% | 1,252 |
Core capital (leverage) ratio | 14.1276% | 1,108 |
Tier 1 risk-based capital ratio | 19.4287% | 1,694 |
Total risk-based capital ratio | 20.6828% | 1,653 |
Memoranda: | ||
Average total assets | $25,652,330 | 7,766 |
Average earning assets | $24,289,330 | 7,712 |
Average equity | $3,658,330 | 7,519 |
Average total loans | $20,309,330 | 7,306 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 7.2962% | 225 |
Cost of funding earning assets | 1.8898% | 4,684 |
Net interest margin | 5.4064% | 199 |
Noninterest income to average assets | 0.7309% | 2,699 |
Noninterest expense to average assets | 4.0434% | 1,134 |
Loan and lease loss provision to assets | 0.3266% | 3,362 |
Net operating income to assets | 0.9642% | 2,463 |
Return on assets (ROA) | 0.9642% | 2,590 |
Pretax return on assets | 1.4774% | 1,732 |
Return on Equity (ROE) | 6.7437% | 3,698 |
Retained earnings to average equity (ytd only) | -1.5228% | 6,005 |
Net charge-offs to loans | 0.8049% | 1,607 |
Credit loss provision to net charge-offs | 51.2195% | 4,657 |
Earnings coverage of net charge-offs (x) | 2.8293% | 3,362 |
Efficiency ratio | 69.1489% | 4,747 |
Assets per employee ($millions) | 1.7111% | 8,055 |
Cash dividends to net income (ytd only)* | 122.5806% | 575 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3359% | 3,878 |
Loan loss allowance to noncurrent loans | 133.4975% | 2,379 |
Noncurrent assets plus other real estate owned to assets | 1.0637% | 4,563 |
Noncurrent loans to loans | 1.0007% | 4,994 |
Net loans and leases to total assets | 77.9825% | 1,829 |
Net loans and leases to deposits | 98.0311% | 1,662 |
Net loans and leases to core deposits | 131.4873% | 1,569 |
Total domestic deposits to total assets | 79.5488% | 5,525 |
Equity capital to assets | 14.3302% | 1,273 |
Core capital (leverage) ratio | 14.2285% | 1,143 |
Tier 1 risk-based capital ratio | 19.2634% | 1,763 |
Total risk-based capital ratio | 20.5157% | 1,720 |
Memoranda: | ||
Average total assets | $25,721,000 | 7,810 |
Average earning assets | $24,341,500 | 7,754 |
Average equity | $3,677,500 | 7,563 |
Average total loans | $20,376,000 | 7,340 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 7.9959% | 195 |
Cost of funding earning assets | 2.3717% | 4,845 |
Net interest margin | 5.6242% | 167 |
Noninterest income to average assets | 0.9821% | 1,641 |
Noninterest expense to average assets | 4.3188% | 1,027 |
Loan and lease loss provision to assets | 0.1449% | 5,504 |
Net operating income to assets | 1.1833% | 1,833 |
Return on assets (ROA) | 1.1833% | 1,762 |
Pretax return on assets | 1.7871% | 969 |
Return on Equity (ROE) | 7.7332% | 3,183 |
Retained earnings to average equity (ytd only) | -4.2611% | 6,372 |
Net charge-offs to loans | 0.1291% | 4,943 |
Credit loss provision to net charge-offs | 144.0000% | 3,670 |
Earnings coverage of net charge-offs (x) | 19.2000% | 1,650 |
Efficiency ratio | 69.0921% | 4,509 |
Assets per employee ($millions) | 1.7184% | 8,086 |
Cash dividends to net income (ytd only)* | 155.1020% | 454 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4219% | 3,079 |
Loan loss allowance to noncurrent loans | 271.9626% | 1,483 |
Noncurrent assets plus other real estate owned to assets | 0.8729% | 4,668 |
Noncurrent loans to loans | 0.5228% | 5,786 |
Net loans and leases to total assets | 78.2705% | 2,059 |
Net loans and leases to deposits | 98.3427% | 2,078 |
Net loans and leases to core deposits | 134.5807% | 1,561 |
Total domestic deposits to total assets | 79.5895% | 5,169 |
Equity capital to assets | 14.2652% | 1,361 |
Core capital (leverage) ratio | 14.7969% | 1,076 |
Tier 1 risk-based capital ratio | 18.8445% | 1,849 |
Total risk-based capital ratio | 20.0954% | 1,800 |
Memoranda: | ||
Average total assets | $24,845,000 | 7,844 |
Average earning assets | $23,274,400 | 7,812 |
Average equity | $3,801,800 | 7,578 |
Average total loans | $19,359,400 | 7,373 |