Home > Burr Ridge Bank and Trust > Performance and Condition Ratios
Burr Ridge Bank and Trust, Performance and Condition Ratios
| 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 | 4.7195% | 2,518 |
| Cost of funding earning assets | 0.8215% | 2,496 |
| Net interest margin | 3.8979% | 2,835 |
| Noninterest income to average assets | 0.0882% | 6,553 |
| Noninterest expense to average assets | 2.1566% | 6,008 |
| Loan and lease loss provision to assets | 0.9074% | 493 |
| Net operating income to assets | 0.4162% | 5,027 |
| Return on assets (ROA) | 0.4227% | 5,254 |
| Pretax return on assets | 0.6131% | 4,958 |
| Return on Equity (ROE) | 3.6893% | 5,280 |
| Retained earnings to average equity (ytd only) | 3.6893% | 3,626 |
| Net charge-offs to loans | 1.3566% | 695 |
| Credit loss provision to net charge-offs | 89.4331% | 3,503 |
| Earnings coverage of net charge-offs (x) | 1.4893% | 4,698 |
| Efficiency ratio | 58.8002% | 5,727 |
| Assets per employee ($millions) | 12.3596% | 144 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0460% | 1,903 |
| Loan loss allowance to noncurrent loans | 99.0534% | 3,347 |
| Noncurrent assets plus other real estate owned to assets | 1.5955% | 2,997 |
| Noncurrent loans to loans | 2.0656% | 2,616 |
| Net loans and leases to total assets | 75.6621% | 969 |
| Net loans and leases to deposits | 86.7945% | 1,405 |
| Net loans and leases to core deposits | 100.3089% | 1,005 |
| Total domestic deposits to total assets | 87.1738% | 2,723 |
| Equity capital to assets | 11.2727% | 2,659 |
| Core capital (leverage) ratio | 11.1248% | 2,146 |
| Tier 1 risk-based capital ratio | 12.6389% | 5,372 |
| Total risk-based capital ratio | 13.8959% | 5,312 |
| Memoranda: | ||
| Average total assets | $179,081,400 | 3,327 |
| Average earning assets | $164,446,800 | 3,314 |
| Average equity | $20,518,600 | 3,142 |
| Average total loans | $133,937,000 | 2,808 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7336% | 2,651 |
| Cost of funding earning assets | 0.8571% | 2,481 |
| Net interest margin | 3.8765% | 3,000 |
| Noninterest income to average assets | 0.0901% | 6,655 |
| Noninterest expense to average assets | 2.0649% | 6,232 |
| Loan and lease loss provision to assets | 0.5070% | 1,207 |
| Net operating income to assets | 0.6978% | 3,928 |
| Return on assets (ROA) | 0.7061% | 4,129 |
| Pretax return on assets | 1.0914% | 3,382 |
| Return on Equity (ROE) | 6.1366% | 4,269 |
| Retained earnings to average equity (ytd only) | 6.1366% | 2,613 |
| Net charge-offs to loans | 0.6969% | 1,583 |
| Credit loss provision to net charge-offs | 98.1105% | 3,051 |
| Earnings coverage of net charge-offs (x) | 3.0683% | 3,800 |
| Efficiency ratio | 56.5638% | 5,985 |
| Assets per employee ($millions) | 12.2645% | 143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2594% | 1,598 |
| Loan loss allowance to noncurrent loans | 48.2989% | 5,219 |
| Noncurrent assets plus other real estate owned to assets | 3.4990% | 1,432 |
| Noncurrent loans to loans | 4.6780% | 998 |
| Net loans and leases to total assets | 73.1077% | 1,373 |
| Net loans and leases to deposits | 84.1076% | 1,863 |
| Net loans and leases to core deposits | 95.6205% | 1,439 |
| Total domestic deposits to total assets | 86.9216% | 2,723 |
| Equity capital to assets | 11.4531% | 2,798 |
| Core capital (leverage) ratio | 11.4541% | 2,021 |
| Tier 1 risk-based capital ratio | 12.4966% | 5,648 |
| Total risk-based capital ratio | 13.7545% | 5,598 |
| Memoranda: | ||
| Average total assets | $177,503,250 | 3,386 |
| Average earning assets | $163,027,750 | 3,364 |
| Average equity | $20,423,500 | 3,182 |
| Average total loans | $131,620,500 | 2,885 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7588% | 2,688 |
| Cost of funding earning assets | 0.8793% | 2,567 |
| Net interest margin | 3.8794% | 3,003 |
| Noninterest income to average assets | 0.0776% | 6,763 |
| Noninterest expense to average assets | 2.0382% | 6,357 |
| Loan and lease loss provision to assets | 0.5133% | 1,225 |
| Net operating income to assets | 0.7026% | 3,855 |
| Return on assets (ROA) | 0.7026% | 4,120 |
| Pretax return on assets | 1.0938% | 3,325 |
| Return on Equity (ROE) | 6.0966% | 4,278 |
| Retained earnings to average equity (ytd only) | 6.0966% | 2,659 |
| Net charge-offs to loans | 1.0615% | 1,036 |
| Credit loss provision to net charge-offs | 65.4070% | 3,678 |
| Earnings coverage of net charge-offs (x) | 2.0480% | 3,964 |
| Efficiency ratio | 55.9136% | 6,124 |
| Assets per employee ($millions) | 12.0366% | 143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2006% | 1,766 |
| Loan loss allowance to noncurrent loans | 44.6993% | 5,409 |
| Noncurrent assets plus other real estate owned to assets | 3.5735% | 1,481 |
| Noncurrent loans to loans | 4.9231% | 1,014 |
| Net loans and leases to total assets | 70.9896% | 1,739 |
| Net loans and leases to deposits | 81.7620% | 2,145 |
| Net loans and leases to core deposits | 96.0291% | 1,424 |
| Total domestic deposits to total assets | 86.8246% | 2,878 |
| Equity capital to assets | 11.4085% | 2,680 |
| Core capital (leverage) ratio | 11.4737% | 1,923 |
| Tier 1 risk-based capital ratio | 12.6479% | 5,455 |
| Total risk-based capital ratio | 13.9048% | 5,430 |
| Memoranda: | ||
| Average total assets | $175,348,670 | 3,434 |
| Average earning assets | $161,260,000 | 3,399 |
| Average equity | $20,208,000 | 3,198 |
| Average total loans | $129,626,330 | 2,933 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7829% | 2,698 |
| Cost of funding earning assets | 0.8765% | 2,856 |
| Net interest margin | 3.9065% | 2,893 |
| Noninterest income to average assets | 0.0579% | 6,903 |
| Noninterest expense to average assets | 2.0562% | 6,367 |
| Loan and lease loss provision to assets | 0.5210% | 1,155 |
| Net operating income to assets | 0.6970% | 3,898 |
| Return on assets (ROA) | 0.6970% | 4,118 |
| Pretax return on assets | 1.0929% | 3,350 |
| Return on Equity (ROE) | 6.0161% | 4,282 |
| Retained earnings to average equity (ytd only) | 6.0161% | 2,947 |
| Net charge-offs to loans | 0.0714% | 3,781 |
| Credit loss provision to net charge-offs | 978.2609% | 359 |
| Earnings coverage of net charge-offs (x) | 30.3043% | 913 |
| Efficiency ratio | 56.0252% | 6,117 |
| Assets per employee ($millions) | 11.9687% | 147 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5153% | 1,331 |
| Loan loss allowance to noncurrent loans | 93.2922% | 3,244 |
| Noncurrent assets plus other real estate owned to assets | 1.9846% | 2,921 |
| Noncurrent loans to loans | 2.6961% | 2,421 |
| Net loans and leases to total assets | 71.7581% | 1,448 |
| Net loans and leases to deposits | 82.6918% | 1,836 |
| Net loans and leases to core deposits | 97.3698% | 1,175 |
| Total domestic deposits to total assets | 86.7778% | 3,081 |
| Equity capital to assets | 11.2354% | 2,688 |
| Core capital (leverage) ratio | 11.6951% | 1,773 |
| Tier 1 risk-based capital ratio | 12.5421% | 5,573 |
| Total risk-based capital ratio | 13.8023% | 5,529 |
| Memoranda: | ||
| Average total assets | $172,748,500 | 3,482 |
| Average earning assets | $159,734,500 | 3,442 |
| Average equity | $20,013,000 | 3,223 |
| Average total loans | $128,912,000 | 2,961 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1056% | 2,429 |
| Cost of funding earning assets | 1.0792% | 2,811 |
| Net interest margin | 4.0264% | 2,752 |
| Noninterest income to average assets | 0.1032% | 6,627 |
| Noninterest expense to average assets | 2.1775% | 6,316 |
| Loan and lease loss provision to assets | 0.4200% | 2,496 |
| Net operating income to assets | 0.7851% | 3,110 |
| Return on assets (ROA) | 0.7851% | 3,272 |
| Pretax return on assets | 1.3083% | 2,097 |
| Return on Equity (ROE) | 6.6910% | 3,544 |
| Retained earnings to average equity (ytd only) | 6.6910% | 1,647 |
| Net charge-offs to loans | 0.0793% | 5,530 |
| Credit loss provision to net charge-offs | 680.0000% | 324 |
| Earnings coverage of net charge-offs (x) | 27.9800% | 886 |
| Efficiency ratio | 55.7489% | 6,346 |
| Assets per employee ($millions) | 11.0644% | 177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4842% | 1,342 |
| Loan loss allowance to noncurrent loans | 87.6228% | 3,412 |
| Noncurrent assets plus other real estate owned to assets | 2.1468% | 2,790 |
| Noncurrent loans to loans | 2.8352% | 2,313 |
| Net loans and leases to total assets | 73.8404% | 1,300 |
| Net loans and leases to deposits | 85.1231% | 1,789 |
| Net loans and leases to core deposits | 104.4837% | 874 |
| Total domestic deposits to total assets | 86.7455% | 2,898 |
| Equity capital to assets | 11.9633% | 2,153 |
| Core capital (leverage) ratio | 11.8402% | 1,692 |
| Tier 1 risk-based capital ratio | 14.0377% | 4,301 |
| Total risk-based capital ratio | 15.3001% | 4,243 |
| Memoranda: | ||
| Average total assets | $161,886,600 | 3,607 |
| Average earning assets | $152,892,000 | 3,535 |
| Average equity | $18,995,600 | 3,280 |
| Average total loans | $126,117,800 | 3,056 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1096% | 2,563 |
| Cost of funding earning assets | 1.1237% | 2,810 |
| Net interest margin | 3.9859% | 2,972 |
| Noninterest income to average assets | 0.1160% | 6,681 |
| Noninterest expense to average assets | 2.2063% | 6,262 |
| Loan and lease loss provision to assets | 0.4144% | 2,390 |
| Net operating income to assets | 0.7600% | 3,341 |
| Return on assets (ROA) | 0.7600% | 3,500 |
| Pretax return on assets | 1.2673% | 2,412 |
| Return on Equity (ROE) | 6.5101% | 3,760 |
| Retained earnings to average equity (ytd only) | 6.5101% | 2,236 |
| Net charge-offs to loans | 0.1046% | 4,953 |
| Credit loss provision to net charge-offs | 505.0505% | 543 |
| Earnings coverage of net charge-offs (x) | 20.4945% | 1,218 |
| Efficiency ratio | 56.7470% | 6,180 |
| Assets per employee ($millions) | 12.0840% | 150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2500% | 1,779 |
| Loan loss allowance to noncurrent loans | 80.2563% | 3,557 |
| Noncurrent assets plus other real estate owned to assets | 2.1676% | 2,944 |
| Noncurrent loans to loans | 2.8035% | 2,481 |
| Net loans and leases to total assets | 75.5763% | 1,043 |
| Net loans and leases to deposits | 86.8830% | 1,569 |
| Net loans and leases to core deposits | 109.4994% | 701 |
| Total domestic deposits to total assets | 86.9863% | 2,668 |
| Equity capital to assets | 11.4904% | 2,691 |
| Core capital (leverage) ratio | 11.6145% | 1,949 |
| Tier 1 risk-based capital ratio | 13.1548% | 4,985 |
| Total risk-based capital ratio | 14.4144% | 4,955 |
| Memoranda: | ||
| Average total assets | $160,866,750 | 3,646 |
| Average earning assets | $152,232,250 | 3,563 |
| Average equity | $18,780,750 | 3,315 |
| Average total loans | $126,229,250 | 3,075 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2218% | 2,178 |
| Cost of funding earning assets | 1.1571% | 2,858 |
| Net interest margin | 4.0647% | 2,553 |
| Noninterest income to average assets | 0.0886% | 6,887 |
| Noninterest expense to average assets | 2.2847% | 6,169 |
| Loan and lease loss provision to assets | 0.4301% | 2,275 |
| Net operating income to assets | 0.7249% | 3,417 |
| Return on assets (ROA) | 0.7249% | 3,536 |
| Pretax return on assets | 1.2132% | 2,428 |
| Return on Equity (ROE) | 6.1741% | 3,872 |
| Retained earnings to average equity (ytd only) | 6.1741% | 2,314 |
| Net charge-offs to loans | 0.1588% | 4,228 |
| Credit loss provision to net charge-offs | 343.4343% | 891 |
| Earnings coverage of net charge-offs (x) | 13.1212% | 1,576 |
| Efficiency ratio | 58.1643% | 6,138 |
| Assets per employee ($millions) | 12.8182% | 132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1883% | 1,945 |
| Loan loss allowance to noncurrent loans | 1,419.8980% | 278 |
| Noncurrent assets plus other real estate owned to assets | 0.1176% | 6,802 |
| Noncurrent loans to loans | 0.1541% | 6,595 |
| Net loans and leases to total assets | 74.6507% | 1,294 |
| Net loans and leases to deposits | 85.5319% | 1,856 |
| Net loans and leases to core deposits | 112.4393% | 632 |
| Total domestic deposits to total assets | 87.2783% | 2,583 |
| Equity capital to assets | 11.3925% | 2,609 |
| Core capital (leverage) ratio | 11.5708% | 1,864 |
| Tier 1 risk-based capital ratio | 13.4781% | 4,542 |
| Total risk-based capital ratio | 14.7375% | 4,514 |
| Memoranda: | ||
| Average total assets | $158,097,000 | 3,712 |
| Average earning assets | $149,334,670 | 3,634 |
| Average equity | $18,561,330 | 3,323 |
| Average total loans | $124,705,670 | 3,130 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3475% | 1,727 |
| Cost of funding earning assets | 1.1856% | 2,913 |
| Net interest margin | 4.1619% | 2,027 |
| Noninterest income to average assets | 0.0806% | 6,993 |
| Noninterest expense to average assets | 2.3169% | 6,146 |
| Loan and lease loss provision to assets | 0.4681% | 1,878 |
| Net operating income to assets | 0.7281% | 3,392 |
| Return on assets (ROA) | 0.7281% | 3,454 |
| Pretax return on assets | 1.2299% | 2,267 |
| Return on Equity (ROE) | 6.1035% | 3,841 |
| Retained earnings to average equity (ytd only) | 6.1035% | 2,574 |
| Net charge-offs to loans | 0.3207% | 2,772 |
| Credit loss provision to net charge-offs | 181.8182% | 1,610 |
| Earnings coverage of net charge-offs (x) | 6.5960% | 2,074 |
| Efficiency ratio | 57.7073% | 6,299 |
| Assets per employee ($millions) | 12.0547% | 151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1060% | 2,177 |
| Loan loss allowance to noncurrent loans | 1,338.2653% | 306 |
| Noncurrent assets plus other real estate owned to assets | 0.1251% | 6,854 |
| Noncurrent loans to loans | 0.1574% | 6,662 |
| Net loans and leases to total assets | 77.8031% | 755 |
| Net loans and leases to deposits | 89.2244% | 1,326 |
| Net loans and leases to core deposits | 118.1602% | 468 |
| Total domestic deposits to total assets | 87.1994% | 2,834 |
| Equity capital to assets | 11.8224% | 2,026 |
| Core capital (leverage) ratio | 12.0080% | 1,561 |
| Tier 1 risk-based capital ratio | 13.8998% | 4,142 |
| Total risk-based capital ratio | 15.1586% | 4,108 |
| Memoranda: | ||
| Average total assets | $153,827,500 | 3,814 |
| Average earning assets | $145,413,500 | 3,722 |
| Average equity | $18,350,000 | 3,349 |
| Average total loans | $123,469,500 | 3,188 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3742% | 2,791 |
| Cost of funding earning assets | 1.4807% | 2,755 |
| Net interest margin | 3.8935% | 3,522 |
| Noninterest income to average assets | 0.0598% | 7,062 |
| Noninterest expense to average assets | 2.3576% | 6,202 |
| Loan and lease loss provision to assets | 0.5019% | 3,144 |
| Net operating income to assets | 1.1421% | 1,573 |
| Return on assets (ROA) | 1.1421% | 1,654 |
| Pretax return on assets | 0.9059% | 3,262 |
| Return on Equity (ROE) | 9.2925% | 2,176 |
| Retained earnings to average equity (ytd only) | 9.2925% | 641 |
| Net charge-offs to loans | 0.0696% | 6,106 |
| Credit loss provision to net charge-offs | 871.2500% | 250 |
| Earnings coverage of net charge-offs (x) | 24.4375% | 864 |
| Efficiency ratio | 62.6124% | 5,603 |
| Assets per employee ($millions) | 11.6111% | 175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0770% | 2,117 |
| Loan loss allowance to noncurrent loans | 861.6949% | 415 |
| Noncurrent assets plus other real estate owned to assets | 0.1954% | 6,731 |
| Noncurrent loans to loans | 0.2410% | 6,578 |
| Net loans and leases to total assets | 79.3990% | 743 |
| Net loans and leases to deposits | 91.3114% | 1,354 |
| Net loans and leases to core deposits | 121.4721% | 487 |
| Total domestic deposits to total assets | 86.9541% | 2,847 |
| Equity capital to assets | 12.0396% | 1,893 |
| Core capital (leverage) ratio | 11.9906% | 1,555 |
| Tier 1 risk-based capital ratio | 14.0099% | 3,865 |
| Total risk-based capital ratio | 15.2689% | 3,826 |
| Memoranda: | ||
| Average total assets | $138,870,800 | 4,073 |
| Average earning assets | $132,169,200 | 3,971 |
| Average equity | $17,067,600 | 3,580 |
| Average total loans | $114,962,800 | 3,427 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3314% | 3,206 |
| Cost of funding earning assets | 1.5453% | 2,699 |
| Net interest margin | 3.7861% | 4,030 |
| Noninterest income to average assets | 0.0530% | 7,257 |
| Noninterest expense to average assets | 2.4045% | 6,023 |
| Loan and lease loss provision to assets | 0.5064% | 2,925 |
| Net operating income to assets | 0.7537% | 3,203 |
| Return on assets (ROA) | 0.7537% | 3,361 |
| Pretax return on assets | 0.7537% | 4,069 |
| Return on Equity (ROE) | 6.0982% | 3,769 |
| Retained earnings to average equity (ytd only) | 6.0982% | 2,307 |
| Net charge-offs to loans | 0.0943% | 5,589 |
| Credit loss provision to net charge-offs | 645.0000% | 455 |
| Earnings coverage of net charge-offs (x) | 16.0506% | 1,404 |
| Efficiency ratio | 65.6133% | 4,945 |
| Assets per employee ($millions) | 11.6196% | 181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9270% | 2,407 |
| Loan loss allowance to noncurrent loans | 800.3390% | 437 |
| Noncurrent assets plus other real estate owned to assets | 0.1953% | 6,879 |
| Noncurrent loans to loans | 0.2408% | 6,689 |
| Net loans and leases to total assets | 79.5478% | 816 |
| Net loans and leases to deposits | 90.9511% | 1,588 |
| Net loans and leases to core deposits | 115.8067% | 753 |
| Total domestic deposits to total assets | 87.4622% | 2,284 |
| Equity capital to assets | 11.4872% | 2,541 |
| Core capital (leverage) ratio | 11.8402% | 1,744 |
| Tier 1 risk-based capital ratio | 13.0047% | 4,575 |
| Total risk-based capital ratio | 14.2609% | 4,546 |
| Memoranda: | ||
| Average total assets | $135,852,500 | 4,192 |
| Average earning assets | $129,594,250 | 4,079 |
| Average equity | $16,791,250 | 3,682 |
| Average total loans | $113,106,000 | 3,523 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3007% | 3,466 |
| Cost of funding earning assets | 1.6613% | 2,328 |
| Net interest margin | 3.6394% | 4,632 |
| Noninterest income to average assets | 0.0352% | 7,410 |
| Noninterest expense to average assets | 2.4070% | 6,050 |
| Loan and lease loss provision to assets | 0.5153% | 2,738 |
| Net operating income to assets | 0.3502% | 4,973 |
| Return on assets (ROA) | 0.3502% | 5,139 |
| Pretax return on assets | 0.5903% | 4,593 |
| Return on Equity (ROE) | 2.7583% | 5,340 |
| Retained earnings to average equity (ytd only) | 2.7583% | 4,379 |
| Net charge-offs to loans | 0.1455% | 4,778 |
| Credit loss provision to net charge-offs | 421.2500% | 865 |
| Earnings coverage of net charge-offs (x) | 9.0375% | 2,062 |
| Efficiency ratio | 68.5242% | 4,472 |
| Assets per employee ($millions) | 11.0297% | 200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8933% | 2,429 |
| Loan loss allowance to noncurrent loans | 739.6610% | 450 |
| Noncurrent assets plus other real estate owned to assets | 0.2057% | 6,887 |
| Noncurrent loans to loans | 0.2560% | 6,718 |
| Net loans and leases to total assets | 78.8550% | 984 |
| Net loans and leases to deposits | 90.6305% | 1,751 |
| Net loans and leases to core deposits | 119.9192% | 697 |
| Total domestic deposits to total assets | 87.0071% | 2,523 |
| Equity capital to assets | 11.6971% | 2,281 |
| Core capital (leverage) ratio | 12.2027% | 1,538 |
| Tier 1 risk-based capital ratio | 14.0483% | 3,690 |
| Total risk-based capital ratio | 15.3052% | 3,656 |
| Memoranda: | ||
| Average total assets | $130,785,000 | 4,331 |
| Average earning assets | $124,964,330 | 4,211 |
| Average equity | $16,604,330 | 3,702 |
| Average total loans | $109,967,330 | 3,635 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4287% | 2,901 |
| Cost of funding earning assets | 1.7356% | 2,206 |
| Net interest margin | 3.6932% | 4,281 |
| Noninterest income to average assets | 0.0257% | 7,579 |
| Noninterest expense to average assets | 2.5224% | 5,646 |
| Loan and lease loss provision to assets | 0.5045% | 2,477 |
| Net operating income to assets | 0.3310% | 5,161 |
| Return on assets (ROA) | 0.3310% | 5,291 |
| Pretax return on assets | 0.5270% | 4,866 |
| Return on Equity (ROE) | 2.4939% | 5,561 |
| Retained earnings to average equity (ytd only) | 2.4939% | 4,641 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9765% | 4,123 |
| Assets per employee ($millions) | 10.2004% | 253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9340% | 2,349 |
| Loan loss allowance to noncurrent loans | 555.2000% | 581 |
| Noncurrent assets plus other real estate owned to assets | 0.2828% | 6,772 |
| Noncurrent loans to loans | 0.3483% | 6,604 |
| Net loans and leases to total assets | 79.6146% | 890 |
| Net loans and leases to deposits | 92.7535% | 1,504 |
| Net loans and leases to core deposits | 124.7451% | 625 |
| Total domestic deposits to total assets | 85.8346% | 3,239 |
| Equity capital to assets | 12.5101% | 1,754 |
| Core capital (leverage) ratio | 13.3457% | 1,119 |
| Tier 1 risk-based capital ratio | 14.8984% | 3,152 |
| Total risk-based capital ratio | 16.1561% | 3,114 |
| Memoranda: | ||
| Average total assets | $124,484,500 | 4,531 |
| Average earning assets | $118,922,500 | 4,405 |
| Average equity | $16,520,500 | 3,750 |
| Average total loans | $107,326,500 | 3,748 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4418% | 7,841 |
| Cost of funding earning assets | 1.4680% | 5,645 |
| Net interest margin | 1.9738% | 7,755 |
| Noninterest income to average assets | 0.0163% | 7,632 |
| Noninterest expense to average assets | 1.7962% | 7,611 |
| Loan and lease loss provision to assets | 1.9669% | 1,111 |
| Net operating income to assets | -1.9168% | 7,057 |
| Return on assets (ROA) | -2.6607% | 7,319 |
| Pretax return on assets | -2.6607% | 7,195 |
| Return on Equity (ROE) | -15.5095% | 6,963 |
| Retained earnings to average equity (ytd only) | -15.5095% | 6,913 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.2883% | 1,256 |
| Assets per employee ($millions) | 9.6970% | 285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7991% | 2,549 |
| Loan loss allowance to noncurrent loans | 513.3333% | 650 |
| Noncurrent assets plus other real estate owned to assets | 0.3223% | 6,633 |
| Noncurrent loans to loans | 0.3505% | 6,573 |
| Net loans and leases to total assets | 90.2968% | 80 |
| Net loans and leases to deposits | 106.9010% | 505 |
| Net loans and leases to core deposits | 207.1710% | 87 |
| Total domestic deposits to total assets | 84.4677% | 3,811 |
| Equity capital to assets | 14.1384% | 1,125 |
| Core capital (leverage) ratio | 15.5156% | 691 |
| Tier 1 risk-based capital ratio | 14.9780% | 2,953 |
| Total risk-based capital ratio | 16.2343% | 2,898 |
| Memoranda: | ||
| Average total assets | $97,870,670 | 5,143 |
| Average earning assets | $90,738,000 | 5,097 |
| Average equity | $16,789,670 | 3,715 |
| Average total loans | $81,037,330 | 4,471 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7881% | 7,996 |
| Cost of funding earning assets | 1.3700% | 6,334 |
| Net interest margin | 1.4180% | 7,963 |
| Noninterest income to average assets | 0.0105% | 7,803 |
| Noninterest expense to average assets | 1.6143% | 7,823 |
| Loan and lease loss provision to assets | 1.9588% | 932 |
| Net operating income to assets | -2.2732% | 7,400 |
| Return on assets (ROA) | -3.3685% | 7,673 |
| Pretax return on assets | -3.3685% | 7,587 |
| Return on Equity (ROE) | -17.6033% | 7,296 |
| Retained earnings to average equity (ytd only) | -17.6033% | 7,258 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 124.1898% | 541 |
| Assets per employee ($millions) | 7.7584% | 565 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6918% | 2,657 |
| Loan loss allowance to noncurrent loans | 347.2000% | 888 |
| Noncurrent assets plus other real estate owned to assets | 0.4028% | 6,447 |
| Noncurrent loans to loans | 0.4873% | 6,345 |
| Net loans and leases to total assets | 81.2655% | 935 |
| Net loans and leases to deposits | 100.8182% | 1,036 |
| Net loans and leases to core deposits | 172.0618% | 256 |
| Total domestic deposits to total assets | 80.6060% | 5,216 |
| Equity capital to assets | 18.0374% | 512 |
| Core capital (leverage) ratio | 18.7983% | 393 |
| Tier 1 risk-based capital ratio | 21.1104% | 1,355 |
| Total risk-based capital ratio | 22.3650% | 1,337 |
| Memoranda: | ||
| Average total assets | $88,624,000 | 5,464 |
| Average earning assets | $80,579,500 | 5,477 |
| Average equity | $16,958,500 | 3,709 |
| Average total loans | $68,057,000 | 4,985 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5327% | 8,140 |
| Cost of funding earning assets | 0.8166% | 7,799 |
| Net interest margin | 0.7161% | 8,129 |
| Noninterest income to average assets | 0.0024% | 7,932 |
| Noninterest expense to average assets | 1.0838% | 8,112 |
| Loan and lease loss provision to assets | 2.3673% | 671 |
| Net operating income to assets | -2.8046% | 7,634 |
| Return on assets (ROA) | -4.5349% | 7,896 |
| Pretax return on assets | -4.5349% | 7,815 |
| Return on Equity (ROE) | -22.2845% | 7,567 |
| Retained earnings to average equity (ytd only) | -22.2845% | 7,521 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 167.6471% | 296 |
| Assets per employee ($millions) | 8.4147% | 420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6838% | 2,400 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 69.1136% | 3,917 |
| Net loans and leases to deposits | 88.9156% | 3,013 |
| Net loans and leases to core deposits | 178.3082% | 237 |
| Total domestic deposits to total assets | 77.7294% | 6,146 |
| Equity capital to assets | 20.3501% | 356 |
| Core capital (leverage) ratio | 22.5377% | 261 |
| Tier 1 risk-based capital ratio | 27.0231% | 779 |
| Total risk-based capital ratio | 28.2774% | 764 |
| Memoranda: | ||
| Average total assets | $84,147,000 | 5,647 |
| Average earning assets | $75,683,000 | 5,683 |
| Average equity | $17,124,000 | 3,685 |
| Average total loans | $59,153,000 | 5,373 |