Home > Citizens State Bank > Performance and Condition Ratios
Citizens State Bank, Performance and Condition Ratios
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 | 2.6170% | 6,372 |
Cost of funding earning assets | 0.4081% | 3,701 |
Net interest margin | 2.2089% | 6,384 |
Noninterest income to average assets | 0.5998% | 2,874 |
Noninterest expense to average assets | 2.1787% | 5,394 |
Loan and lease loss provision to assets | 0.0000% | 4,401 |
Net operating income to assets | 0.2405% | 5,752 |
Return on assets (ROA) | 0.3121% | 5,622 |
Pretax return on assets | 0.4009% | 5,572 |
Return on Equity (ROE) | 1.4786% | 5,952 |
Retained earnings to average equity (ytd only) | 1.4786% | 5,304 |
Net charge-offs to loans | -0.1325% | 6,210 |
Credit loss provision to net charge-offs | 0.0000% | 3,801 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 87.5769% | 1,039 |
Assets per employee ($millions) | 5.1780% | 2,039 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.3053% | 267 |
Loan loss allowance to noncurrent loans | 169.0909% | 2,470 |
Noncurrent assets plus other real estate owned to assets | 0.3983% | 4,723 |
Noncurrent loans to loans | 1.9547% | 1,629 |
Net loans and leases to total assets | 19.7036% | 6,452 |
Net loans and leases to deposits | 26.3469% | 6,424 |
Net loans and leases to core deposits | 26.7852% | 6,427 |
Total domestic deposits to total assets | 74.7851% | 5,942 |
Equity capital to assets | 22.9505% | 132 |
Core capital (leverage) ratio | 14.6419% | 688 |
Tier 1 risk-based capital ratio | 41.4959% | 215 |
Total risk-based capital ratio | 42.7536% | 214 |
Memoranda: | ||
Average total assets | $43,571,500 | 6,009 |
Average earning assets | $37,243,000 | 6,080 |
Average equity | $9,197,750 | 4,960 |
Average total loans | $9,055,500 | 6,409 |
2014-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.7044% | 6,390 |
Cost of funding earning assets | 0.4120% | 3,748 |
Net interest margin | 2.2924% | 6,411 |
Noninterest income to average assets | 0.5780% | 2,943 |
Noninterest expense to average assets | 2.1406% | 5,538 |
Loan and lease loss provision to assets | 0.0000% | 4,196 |
Net operating income to assets | 0.3161% | 5,512 |
Return on assets (ROA) | 0.4245% | 5,202 |
Pretax return on assets | 0.5329% | 5,182 |
Return on Equity (ROE) | 2.0671% | 5,823 |
Retained earnings to average equity (ytd only) | 2.0671% | 4,861 |
Net charge-offs to loans | -0.0864% | 6,098 |
Credit loss provision to net charge-offs | 0.0000% | 3,401 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 84.3416% | 1,463 |
Assets per employee ($millions) | 5.4065% | 1,778 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.2697% | 285 |
Loan loss allowance to noncurrent loans | 158.3815% | 2,600 |
Noncurrent assets plus other real estate owned to assets | 0.4000% | 4,814 |
Noncurrent loans to loans | 2.0644% | 1,624 |
Net loans and leases to total assets | 18.7413% | 6,528 |
Net loans and leases to deposits | 25.9492% | 6,492 |
Net loans and leases to core deposits | 26.3773% | 6,489 |
Total domestic deposits to total assets | 72.2232% | 6,238 |
Equity capital to assets | 21.9319% | 149 |
Core capital (leverage) ratio | 14.1508% | 791 |
Tier 1 risk-based capital ratio | 39.3371% | 254 |
Total risk-based capital ratio | 40.5941% | 252 |
Memoranda: | ||
Average total assets | $44,287,330 | 6,053 |
Average earning assets | $37,864,670 | 6,114 |
Average equity | $9,094,670 | 5,005 |
Average total loans | $9,260,330 | 6,470 |
2014-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.7140% | 6,451 |
Cost of funding earning assets | 0.4175% | 3,791 |
Net interest margin | 2.2965% | 6,475 |
Noninterest income to average assets | 0.5357% | 3,143 |
Noninterest expense to average assets | 2.1605% | 5,556 |
Loan and lease loss provision to assets | 0.0000% | 3,817 |
Net operating income to assets | 0.2839% | 5,557 |
Return on assets (ROA) | 0.5089% | 4,724 |
Pretax return on assets | 0.6071% | 4,807 |
Return on Equity (ROE) | 2.5621% | 5,604 |
Retained earnings to average equity (ytd only) | 2.5621% | 4,532 |
Net charge-offs to loans | -0.0412% | 5,718 |
Credit loss provision to net charge-offs | 0.0000% | 2,688 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 86.4286% | 1,401 |
Assets per employee ($millions) | 4.9303% | 2,338 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.8422% | 514 |
Loan loss allowance to noncurrent loans | 351.9481% | 1,287 |
Noncurrent assets plus other real estate owned to assets | 0.2344% | 5,500 |
Noncurrent loans to loans | 0.8076% | 3,859 |
Net loans and leases to total assets | 20.8776% | 6,561 |
Net loans and leases to deposits | 30.6288% | 6,472 |
Net loans and leases to core deposits | 31.1500% | 6,476 |
Total domestic deposits to total assets | 68.1631% | 6,511 |
Equity capital to assets | 20.4178% | 195 |
Core capital (leverage) ratio | 13.7462% | 910 |
Tier 1 risk-based capital ratio | 35.6845% | 330 |
Total risk-based capital ratio | 36.9413% | 322 |
Memoranda: | ||
Average total assets | $44,805,000 | 6,091 |
Average earning assets | $38,319,500 | 6,156 |
Average equity | $8,899,000 | 5,076 |
Average total loans | $9,700,500 | 6,529 |
2013-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.3833% | 6,652 |
Cost of funding earning assets | 0.4772% | 3,846 |
Net interest margin | 1.9061% | 6,666 |
Noninterest income to average assets | 0.6271% | 2,936 |
Noninterest expense to average assets | 2.1831% | 5,673 |
Loan and lease loss provision to assets | 0.0000% | 5,091 |
Net operating income to assets | 0.0468% | 6,137 |
Return on assets (ROA) | 0.2036% | 5,882 |
Pretax return on assets | 0.2644% | 5,814 |
Return on Equity (ROE) | 0.9381% | 6,092 |
Retained earnings to average equity (ytd only) | 0.5068% | 5,614 |
Net charge-offs to loans | -0.2569% | 6,649 |
Credit loss provision to net charge-offs | 0.0000% | 4,707 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 97.2888% | 575 |
Assets per employee ($millions) | 4.5237% | 2,863 |
Cash dividends to net income (ytd only)* | 45.9770% | 2,498 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.7468% | 643 |
Loan loss allowance to noncurrent loans | 271.0000% | 1,625 |
Noncurrent assets plus other real estate owned to assets | 0.2807% | 5,414 |
Noncurrent loans to loans | 1.0136% | 3,486 |
Net loans and leases to total assets | 21.2105% | 6,652 |
Net loans and leases to deposits | 32.1732% | 6,529 |
Net loans and leases to core deposits | 32.7285% | 6,543 |
Total domestic deposits to total assets | 65.9261% | 6,633 |
Equity capital to assets | 19.3160% | 243 |
Core capital (leverage) ratio | 13.3722% | 999 |
Tier 1 risk-based capital ratio | 34.3563% | 354 |
Total risk-based capital ratio | 35.6100% | 346 |
Memoranda: | ||
Average total assets | $42,738,200 | 6,203 |
Average earning assets | $36,252,600 | 6,279 |
Average equity | $9,274,400 | 5,027 |
Average total loans | $8,952,200 | 6,621 |
2013-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.3157% | 6,749 |
Cost of funding earning assets | 0.4788% | 3,973 |
Net interest margin | 1.8368% | 6,759 |
Noninterest income to average assets | 0.6617% | 2,815 |
Noninterest expense to average assets | 2.1782% | 5,656 |
Loan and lease loss provision to assets | 0.0000% | 4,941 |
Net operating income to assets | 0.0277% | 6,260 |
Return on assets (ROA) | 0.2343% | 5,910 |
Pretax return on assets | 0.3134% | 5,838 |
Return on Equity (ROE) | 1.0486% | 6,173 |
Retained earnings to average equity (ytd only) | 1.0486% | 5,556 |
Net charge-offs to loans | -0.2599% | 6,699 |
Credit loss provision to net charge-offs | 0.0000% | 4,342 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 98.2857% | 520 |
Assets per employee ($millions) | 4.3191% | 3,185 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.2736% | 421 |
Loan loss allowance to noncurrent loans | 259.8039% | 1,568 |
Noncurrent assets plus other real estate owned to assets | 0.4376% | 5,118 |
Noncurrent loans to loans | 1.2600% | 3,294 |
Net loans and leases to total assets | 18.1288% | 6,770 |
Net loans and leases to deposits | 26.0297% | 6,727 |
Net loans and leases to core deposits | 26.7455% | 6,731 |
Total domestic deposits to total assets | 69.6465% | 6,612 |
Equity capital to assets | 21.0229% | 175 |
Core capital (leverage) ratio | 15.1370% | 619 |
Tier 1 risk-based capital ratio | 39.9610% | 241 |
Total risk-based capital ratio | 41.2172% | 238 |
Memoranda: | ||
Average total assets | $42,113,500 | 6,294 |
Average earning assets | $35,640,250 | 6,364 |
Average equity | $9,408,500 | 5,053 |
Average total loans | $8,723,750 | 6,705 |
2013-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.4085% | 6,766 |
Cost of funding earning assets | 0.4930% | 3,961 |
Net interest margin | 1.9154% | 6,790 |
Noninterest income to average assets | 0.6466% | 2,931 |
Noninterest expense to average assets | 2.2082% | 5,611 |
Loan and lease loss provision to assets | 0.0000% | 4,788 |
Net operating income to assets | 0.0450% | 6,250 |
Return on assets (ROA) | 0.3784% | 5,465 |
Pretax return on assets | 0.4742% | 5,452 |
Return on Equity (ROE) | 1.6600% | 6,049 |
Retained earnings to average equity (ytd only) | 1.6600% | 5,189 |
Net charge-offs to loans | -0.2687% | 6,734 |
Credit loss provision to net charge-offs | 0.0000% | 4,003 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 97.4630% | 599 |
Assets per employee ($millions) | 4.4731% | 2,857 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.3656% | 414 |
Loan loss allowance to noncurrent loans | 243.9252% | 1,663 |
Noncurrent assets plus other real estate owned to assets | 0.4819% | 5,064 |
Noncurrent loans to loans | 1.3798% | 3,238 |
Net loans and leases to total assets | 18.6149% | 6,815 |
Net loans and leases to deposits | 23.9992% | 6,804 |
Net loans and leases to core deposits | 24.8788% | 6,800 |
Total domestic deposits to total assets | 77.5647% | 6,054 |
Equity capital to assets | 22.3732% | 128 |
Core capital (leverage) ratio | 14.9298% | 624 |
Tier 1 risk-based capital ratio | 41.3649% | 211 |
Total risk-based capital ratio | 42.6267% | 212 |
Memoranda: | ||
Average total assets | $41,754,330 | 6,352 |
Average earning assets | $35,292,330 | 6,427 |
Average equity | $9,518,000 | 5,052 |
Average total loans | $8,933,330 | 6,745 |
2013-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.5173% | 6,807 |
Cost of funding earning assets | 0.5101% | 3,970 |
Net interest margin | 2.0072% | 6,836 |
Noninterest income to average assets | 0.6306% | 2,978 |
Noninterest expense to average assets | 2.2681% | 5,508 |
Loan and lease loss provision to assets | 0.0000% | 4,409 |
Net operating income to assets | 0.0376% | 6,283 |
Return on assets (ROA) | 0.0376% | 6,365 |
Pretax return on assets | 0.0659% | 6,311 |
Return on Equity (ROE) | 0.1637% | 6,396 |
Retained earnings to average equity (ytd only) | 0.1637% | 5,730 |
Net charge-offs to loans | -0.2940% | 6,774 |
Credit loss provision to net charge-offs | 0.0000% | 3,239 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 97.1774% | 672 |
Assets per employee ($millions) | 4.7037% | 2,647 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.6458% | 972 |
Loan loss allowance to noncurrent loans | 1,159.0909% | 412 |
Noncurrent assets plus other real estate owned to assets | 0.2575% | 5,795 |
Noncurrent loans to loans | 0.2283% | 5,843 |
Net loans and leases to total assets | 22.1647% | 6,817 |
Net loans and leases to deposits | 28.8379% | 6,771 |
Net loans and leases to core deposits | 29.8508% | 6,768 |
Total domestic deposits to total assets | 76.8597% | 6,262 |
Equity capital to assets | 23.0789% | 126 |
Core capital (leverage) ratio | 14.0890% | 772 |
Tier 1 risk-based capital ratio | 37.4966% | 278 |
Total risk-based capital ratio | 38.7524% | 274 |
Memoranda: | ||
Average total assets | $42,502,500 | 6,389 |
Average earning assets | $36,070,000 | 6,466 |
Average equity | $9,773,500 | 5,044 |
Average total loans | $9,522,500 | 6,799 |
2012-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.9592% | 6,789 |
Cost of funding earning assets | 0.5562% | 4,760 |
Net interest margin | 2.4030% | 6,779 |
Noninterest income to average assets | 0.6873% | 2,786 |
Noninterest expense to average assets | 2.3575% | 5,539 |
Loan and lease loss provision to assets | 0.0000% | 5,905 |
Net operating income to assets | 0.2534% | 5,622 |
Return on assets (ROA) | 0.8500% | 3,295 |
Pretax return on assets | 1.2211% | 2,723 |
Return on Equity (ROE) | 3.7818% | 5,237 |
Retained earnings to average equity (ytd only) | 0.7237% | 5,507 |
Net charge-offs to loans | -0.0715% | 6,775 |
Credit loss provision to net charge-offs | 0.0000% | 5,483 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 86.4706% | 1,385 |
Assets per employee ($millions) | 4.2672% | 3,423 |
Cash dividends to net income (ytd only)* | 80.8625% | 974 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.6363% | 985 |
Loan loss allowance to noncurrent loans | 1,078.2609% | 437 |
Noncurrent assets plus other real estate owned to assets | 0.2578% | 5,900 |
Noncurrent loans to loans | 0.2445% | 5,869 |
Net loans and leases to total assets | 21.4637% | 6,908 |
Net loans and leases to deposits | 27.8618% | 6,878 |
Net loans and leases to core deposits | 28.8291% | 6,867 |
Total domestic deposits to total assets | 77.0365% | 6,218 |
Equity capital to assets | 22.9120% | 128 |
Core capital (leverage) ratio | 14.3026% | 721 |
Tier 1 risk-based capital ratio | 38.1275% | 272 |
Total risk-based capital ratio | 39.3842% | 266 |
Memoranda: | ||
Average total assets | $43,648,000 | 6,381 |
Average earning assets | $37,037,600 | 6,469 |
Average equity | $9,810,200 | 5,020 |
Average total loans | $8,391,800 | 6,904 |
2012-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.0311% | 6,890 |
Cost of funding earning assets | 0.5654% | 4,955 |
Net interest margin | 2.4656% | 6,850 |
Noninterest income to average assets | 0.6835% | 2,795 |
Noninterest expense to average assets | 2.2600% | 5,792 |
Loan and lease loss provision to assets | 0.0000% | 5,790 |
Net operating income to assets | 0.3631% | 5,394 |
Return on assets (ROA) | 1.0662% | 2,441 |
Pretax return on assets | 1.5067% | 1,857 |
Return on Equity (ROE) | 4.7664% | 4,938 |
Retained earnings to average equity (ytd only) | 2.0505% | 5,297 |
Net charge-offs to loans | -0.0163% | 6,457 |
Credit loss provision to net charge-offs | 0.0000% | 5,158 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 81.4004% | 1,885 |
Assets per employee ($millions) | 3.8272% | 4,239 |
Cash dividends to net income (ytd only)* | 56.9798% | 1,392 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.2054% | 592 |
Loan loss allowance to noncurrent loans | 783.8710% | 531 |
Noncurrent assets plus other real estate owned to assets | 1.0262% | 4,237 |
Noncurrent loans to loans | 0.4089% | 5,635 |
Net loans and leases to total assets | 17.4303% | 7,055 |
Net loans and leases to deposits | 22.9384% | 7,050 |
Net loans and leases to core deposits | 23.5283% | 7,054 |
Total domestic deposits to total assets | 75.9876% | 6,378 |
Equity capital to assets | 23.7559% | 120 |
Core capital (leverage) ratio | 14.4640% | 713 |
Tier 1 risk-based capital ratio | 43.0837% | 196 |
Total risk-based capital ratio | 44.3434% | 191 |
Memoranda: | ||
Average total assets | $43,892,000 | 6,451 |
Average earning assets | $37,257,750 | 6,539 |
Average equity | $9,818,500 | 5,069 |
Average total loans | $8,138,000 | 7,004 |
2012-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.1617% | 6,902 |
Cost of funding earning assets | 0.5816% | 5,058 |
Net interest margin | 2.5801% | 6,836 |
Noninterest income to average assets | 0.7193% | 2,555 |
Noninterest expense to average assets | 2.2432% | 5,897 |
Loan and lease loss provision to assets | 0.0000% | 5,619 |
Net operating income to assets | 0.5096% | 4,775 |
Return on assets (ROA) | 0.8991% | 3,183 |
Pretax return on assets | 1.1823% | 3,008 |
Return on Equity (ROE) | 4.0993% | 5,217 |
Retained earnings to average equity (ytd only) | 2.0497% | 5,178 |
Net charge-offs to loans | -0.0961% | 6,851 |
Credit loss provision to net charge-offs | 0.0000% | 4,809 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 77.0062% | 2,588 |
Assets per employee ($millions) | 4.2988% | 3,260 |
Cash dividends to net income (ytd only)* | 50.0000% | 1,735 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.2591% | 614 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 1.0003% | 4,375 |
Noncurrent loans to loans | 0.0000% | 6,740 |
Net loans and leases to total assets | 16.9861% | 7,121 |
Net loans and leases to deposits | 22.1414% | 7,110 |
Net loans and leases to core deposits | 22.6925% | 7,115 |
Total domestic deposits to total assets | 76.7168% | 6,375 |
Equity capital to assets | 23.0320% | 130 |
Core capital (leverage) ratio | 13.5582% | 959 |
Tier 1 risk-based capital ratio | 44.2492% | 178 |
Total risk-based capital ratio | 45.5066% | 175 |
Memoranda: | ||
Average total assets | $44,489,670 | 6,477 |
Average earning assets | $37,827,670 | 6,561 |
Average equity | $9,757,670 | 5,087 |
Average total loans | $8,323,670 | 7,063 |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.1505% | 6,979 |
Cost of funding earning assets | 0.6115% | 5,043 |
Net interest margin | 2.5391% | 6,924 |
Noninterest income to average assets | 0.8311% | 2,026 |
Noninterest expense to average assets | 2.1662% | 6,123 |
Loan and lease loss provision to assets | 0.0000% | 5,254 |
Net operating income to assets | 0.7027% | 3,872 |
Return on assets (ROA) | 0.9107% | 3,089 |
Pretax return on assets | 1.0787% | 3,404 |
Return on Equity (ROE) | 4.2536% | 5,161 |
Retained earnings to average equity (ytd only) | 4.2536% | 4,037 |
Net charge-offs to loans | -0.0918% | 6,758 |
Credit loss provision to net charge-offs | 0.0000% | 3,998 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 72.2714% | 3,384 |
Assets per employee ($millions) | 4.6349% | 2,756 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.7193% | 1,092 |
Loan loss allowance to noncurrent loans | 1,016.6667% | 387 |
Noncurrent assets plus other real estate owned to assets | 0.9795% | 4,546 |
Noncurrent loans to loans | 0.2675% | 6,152 |
Net loans and leases to total assets | 18.8332% | 7,158 |
Net loans and leases to deposits | 23.8595% | 7,144 |
Net loans and leases to core deposits | 24.3929% | 7,150 |
Total domestic deposits to total assets | 78.9337% | 6,093 |
Equity capital to assets | 20.9584% | 184 |
Core capital (leverage) ratio | 13.5814% | 913 |
Tier 1 risk-based capital ratio | 37.1349% | 284 |
Total risk-based capital ratio | 38.3924% | 280 |
Memoranda: | ||
Average total assets | $45,240,500 | 6,501 |
Average earning assets | $38,596,500 | 6,579 |
Average equity | $9,686,000 | 5,123 |
Average total loans | $8,711,500 | 7,111 |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.2257% | 7,114 |
Cost of funding earning assets | 0.7024% | 5,524 |
Net interest margin | 2.5233% | 7,046 |
Noninterest income to average assets | 0.6806% | 2,719 |
Noninterest expense to average assets | 2.5994% | 5,095 |
Loan and lease loss provision to assets | 0.0000% | 6,496 |
Net operating income to assets | 0.1325% | 5,781 |
Return on assets (ROA) | 0.3893% | 5,080 |
Pretax return on assets | 0.5400% | 4,873 |
Return on Equity (ROE) | 1.6147% | 5,808 |
Retained earnings to average equity (ytd only) | 0.0000% | 5,828 |
Net charge-offs to loans | 0.2201% | 4,410 |
Credit loss provision to net charge-offs | 0.0000% | 6,066 |
Earnings coverage of net charge-offs (x) | 3.6500% | 3,439 |
Efficiency ratio | 93.4116% | 961 |
Assets per employee ($millions) | 4.4132% | 3,046 |
Cash dividends to net income (ytd only)* | 100.0000% | 322 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.8639% | 919 |
Loan loss allowance to noncurrent loans | 1,008.3333% | 395 |
Noncurrent assets plus other real estate owned to assets | 1.0287% | 4,553 |
Noncurrent loans to loans | 0.2840% | 6,158 |
Net loans and leases to total assets | 18.5987% | 7,224 |
Net loans and leases to deposits | 23.8362% | 7,213 |
Net loans and leases to core deposits | 24.0457% | 7,214 |
Total domestic deposits to total assets | 78.0273% | 6,185 |
Equity capital to assets | 21.8843% | 158 |
Core capital (leverage) ratio | 14.6870% | 668 |
Tier 1 risk-based capital ratio | 38.6713% | 255 |
Total risk-based capital ratio | 39.9268% | 249 |
Memoranda: | ||
Average total assets | $39,816,800 | 6,682 |
Average earning assets | $33,170,600 | 6,777 |
Average equity | $9,599,200 | 5,122 |
Average total loans | $9,088,200 | 7,144 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.2880% | 7,183 |
Cost of funding earning assets | 0.7357% | 5,556 |
Net interest margin | 2.5523% | 7,108 |
Noninterest income to average assets | 0.7125% | 2,528 |
Noninterest expense to average assets | 2.6502% | 4,904 |
Loan and lease loss provision to assets | 0.0000% | 6,393 |
Net operating income to assets | 0.1344% | 5,876 |
Return on assets (ROA) | 0.4887% | 4,778 |
Pretax return on assets | 0.6299% | 4,716 |
Return on Equity (ROE) | 1.9754% | 5,785 |
Retained earnings to average equity (ytd only) | 0.9320% | 5,630 |
Net charge-offs to loans | 0.3460% | 3,367 |
Credit loss provision to net charge-offs | 0.0000% | 5,735 |
Earnings coverage of net charge-offs (x) | 2.1250% | 4,074 |
Efficiency ratio | 93.7881% | 928 |
Assets per employee ($millions) | 3.6740% | 4,587 |
Cash dividends to net income (ytd only)* | 52.8178% | 1,467 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.6969% | 1,132 |
Loan loss allowance to noncurrent loans | 991.6667% | 366 |
Noncurrent assets plus other real estate owned to assets | 1.1234% | 4,532 |
Noncurrent loans to loans | 0.2720% | 6,324 |
Net loans and leases to total assets | 21.2476% | 7,268 |
Net loans and leases to deposits | 28.1043% | 7,241 |
Net loans and leases to core deposits | 28.3830% | 7,252 |
Total domestic deposits to total assets | 75.6025% | 6,577 |
Equity capital to assets | 24.2515% | 125 |
Core capital (leverage) ratio | 15.3688% | 598 |
Tier 1 risk-based capital ratio | 40.5303% | 240 |
Total risk-based capital ratio | 41.7855% | 235 |
Memoranda: | ||
Average total assets | $38,738,000 | 6,769 |
Average earning assets | $32,075,000 | 6,868 |
Average equity | $9,584,500 | 5,161 |
Average total loans | $9,247,750 | 7,210 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4597% | 7,184 |
Cost of funding earning assets | 0.7427% | 5,714 |
Net interest margin | 2.7170% | 7,008 |
Noninterest income to average assets | 0.7229% | 2,421 |
Noninterest expense to average assets | 2.6821% | 4,894 |
Loan and lease loss provision to assets | 0.0000% | 6,217 |
Net operating income to assets | 0.2232% | 5,652 |
Return on assets (ROA) | 0.7386% | 3,464 |
Pretax return on assets | 0.9272% | 3,522 |
Return on Equity (ROE) | 2.9646% | 5,404 |
Retained earnings to average equity (ytd only) | 2.4389% | 4,732 |
Net charge-offs to loans | 0.5965% | 2,327 |
Credit loss provision to net charge-offs | 0.0000% | 5,336 |
Earnings coverage of net charge-offs (x) | 1.9286% | 3,898 |
Efficiency ratio | 90.4594% | 1,209 |
Assets per employee ($millions) | 3.5324% | 4,850 |
Cash dividends to net income (ytd only)* | 17.7305% | 2,938 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.5822% | 1,331 |
Loan loss allowance to noncurrent loans | 975.0000% | 382 |
Noncurrent assets plus other real estate owned to assets | 1.1324% | 4,626 |
Noncurrent loans to loans | 0.2648% | 6,395 |
Net loans and leases to total assets | 22.7198% | 7,337 |
Net loans and leases to deposits | 30.3817% | 7,303 |
Net loans and leases to core deposits | 30.7018% | 7,311 |
Total domestic deposits to total assets | 74.7812% | 6,756 |
Equity capital to assets | 25.0540% | 124 |
Core capital (leverage) ratio | 16.2241% | 479 |
Tier 1 risk-based capital ratio | 41.8663% | 215 |
Total risk-based capital ratio | 43.1211% | 215 |
Memoranda: | ||
Average total assets | $38,179,330 | 6,856 |
Average earning assets | $31,505,670 | 6,950 |
Average equity | $9,512,330 | 5,181 |
Average total loans | $9,388,670 | 7,273 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3718% | 7,283 |
Cost of funding earning assets | 0.7722% | 5,738 |
Net interest margin | 2.5997% | 7,126 |
Noninterest income to average assets | 0.6554% | 2,807 |
Noninterest expense to average assets | 2.6426% | 5,072 |
Loan and lease loss provision to assets | 0.0000% | 5,840 |
Net operating income to assets | 0.1205% | 6,038 |
Return on assets (ROA) | 0.3805% | 5,111 |
Pretax return on assets | 0.4651% | 5,139 |
Return on Equity (ROE) | 1.5318% | 5,970 |
Retained earnings to average equity (ytd only) | 1.5318% | 5,194 |
Net charge-offs to loans | -0.1675% | 7,225 |
Credit loss provision to net charge-offs | 0.0000% | 4,480 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 94.6970% | 1,001 |
Assets per employee ($millions) | 3.4579% | 5,101 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.7746% | 1,137 |
Loan loss allowance to noncurrent loans | 359.4595% | 869 |
Noncurrent assets plus other real estate owned to assets | 1.2882% | 4,388 |
Noncurrent loans to loans | 0.7719% | 5,488 |
Net loans and leases to total assets | 24.5051% | 7,366 |
Net loans and leases to deposits | 32.6286% | 7,301 |
Net loans and leases to core deposits | 32.9772% | 7,329 |
Total domestic deposits to total assets | 75.1032% | 6,776 |
Equity capital to assets | 24.7864% | 121 |
Core capital (leverage) ratio | 16.1604% | 472 |
Tier 1 risk-based capital ratio | 40.1718% | 237 |
Total risk-based capital ratio | 41.4230% | 231 |
Memoranda: | ||
Average total assets | $37,841,000 | 6,909 |
Average earning assets | $31,081,000 | 7,014 |
Average equity | $9,401,000 | 5,203 |
Average total loans | $9,552,000 | 7,330 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7507% | 7,278 |
Cost of funding earning assets | 0.9149% | 6,105 |
Net interest margin | 2.8358% | 6,985 |
Noninterest income to average assets | 0.6513% | 3,144 |
Noninterest expense to average assets | 2.7248% | 4,878 |
Loan and lease loss provision to assets | 0.0000% | 7,042 |
Net operating income to assets | 0.1756% | 5,361 |
Return on assets (ROA) | 0.5769% | 3,933 |
Pretax return on assets | 0.7842% | 3,686 |
Return on Equity (ROE) | 2.2188% | 5,299 |
Retained earnings to average equity (ytd only) | -0.0102% | 5,590 |
Net charge-offs to loans | 0.8956% | 2,399 |
Credit loss provision to net charge-offs | 0.0000% | 6,628 |
Earnings coverage of net charge-offs (x) | 1.0225% | 5,091 |
Efficiency ratio | 91.8459% | 1,194 |
Assets per employee ($millions) | 3.4223% | 5,121 |
Cash dividends to net income (ytd only)* | 100.4608% | 371 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.7530% | 1,108 |
Loan loss allowance to noncurrent loans | 379.7101% | 822 |
Noncurrent assets plus other real estate owned to assets | 1.2884% | 4,453 |
Noncurrent loans to loans | 0.7250% | 5,599 |
Net loans and leases to total assets | 24.5849% | 7,461 |
Net loans and leases to deposits | 32.7727% | 7,416 |
Net loans and leases to core deposits | 33.4369% | 7,432 |
Total domestic deposits to total assets | 75.0166% | 6,769 |
Equity capital to assets | 24.9010% | 126 |
Core capital (leverage) ratio | 15.7667% | 537 |
Tier 1 risk-based capital ratio | 40.1400% | 239 |
Total risk-based capital ratio | 41.3986% | 233 |
Memoranda: | ||
Average total assets | $37,616,800 | 6,953 |
Average earning assets | $30,714,200 | 7,065 |
Average equity | $9,780,000 | 5,193 |
Average total loans | $9,938,000 | 7,398 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9320% | 7,322 |
Cost of funding earning assets | 0.9385% | 6,232 |
Net interest margin | 2.9935% | 6,849 |
Noninterest income to average assets | 0.6558% | 3,091 |
Noninterest expense to average assets | 2.7049% | 4,862 |
Loan and lease loss provision to assets | 0.0000% | 6,977 |
Net operating income to assets | 0.3038% | 5,149 |
Return on assets (ROA) | 0.7941% | 3,188 |
Pretax return on assets | 1.0387% | 3,034 |
Return on Equity (ROE) | 3.0224% | 5,210 |
Retained earnings to average equity (ytd only) | 2.6851% | 4,546 |
Net charge-offs to loans | 1.2347% | 1,655 |
Credit loss provision to net charge-offs | 0.0000% | 6,367 |
Earnings coverage of net charge-offs (x) | 1.1935% | 4,873 |
Efficiency ratio | 87.2998% | 1,503 |
Assets per employee ($millions) | 3.8975% | 4,039 |
Cash dividends to net income (ytd only)* | 11.1598% | 3,285 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.8559% | 951 |
Loan loss allowance to noncurrent loans | 379.4118% | 784 |
Noncurrent assets plus other real estate owned to assets | 1.2418% | 4,669 |
Noncurrent loans to loans | 0.7527% | 5,698 |
Net loans and leases to total assets | 22.5170% | 7,585 |
Net loans and leases to deposits | 30.3269% | 7,557 |
Net loans and leases to core deposits | 30.9254% | 7,568 |
Total domestic deposits to total assets | 74.2476% | 6,892 |
Equity capital to assets | 25.5446% | 131 |
Core capital (leverage) ratio | 16.2542% | 521 |
Tier 1 risk-based capital ratio | 41.8088% | 217 |
Total risk-based capital ratio | 43.0655% | 214 |
Memoranda: | ||
Average total assets | $37,609,750 | 7,031 |
Average earning assets | $30,687,500 | 7,145 |
Average equity | $9,881,500 | 5,234 |
Average total loans | $10,043,250 | 7,493 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2183% | 7,149 |
Cost of funding earning assets | 0.9735% | 6,266 |
Net interest margin | 3.2449% | 6,182 |
Noninterest income to average assets | 0.6675% | 2,912 |
Noninterest expense to average assets | 2.7022% | 4,896 |
Loan and lease loss provision to assets | 0.0000% | 6,857 |
Net operating income to assets | 0.4767% | 4,432 |
Return on assets (ROA) | 0.7105% | 3,517 |
Pretax return on assets | 0.8989% | 3,494 |
Return on Equity (ROE) | 2.6784% | 5,385 |
Retained earnings to average equity (ytd only) | 2.6784% | 4,442 |
Net charge-offs to loans | 0.7900% | 2,271 |
Credit loss provision to net charge-offs | 0.0000% | 6,004 |
Earnings coverage of net charge-offs (x) | 2.7317% | 3,625 |
Efficiency ratio | 81.7590% | 2,204 |
Assets per employee ($millions) | 3.7792% | 4,272 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.1475% | 737 |
Loan loss allowance to noncurrent loans | 1,240.0000% | 282 |
Noncurrent assets plus other real estate owned to assets | 0.9367% | 5,255 |
Noncurrent loans to loans | 0.2538% | 6,725 |
Net loans and leases to total assets | 25.2408% | 7,622 |
Net loans and leases to deposits | 34.4916% | 7,569 |
Net loans and leases to core deposits | 34.8190% | 7,589 |
Total domestic deposits to total assets | 73.1795% | 7,074 |
Equity capital to assets | 26.4500% | 119 |
Core capital (leverage) ratio | 16.4091% | 514 |
Tier 1 risk-based capital ratio | 40.8221% | 238 |
Total risk-based capital ratio | 42.0862% | 230 |
Memoranda: | ||
Average total assets | $37,154,670 | 7,105 |
Average earning assets | $30,201,670 | 7,221 |
Average equity | $9,856,670 | 5,244 |
Average total loans | $10,379,670 | 7,533 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3829% | 7,022 |
Cost of funding earning assets | 1.0052% | 6,348 |
Net interest margin | 3.3776% | 5,679 |
Noninterest income to average assets | 0.6515% | 2,927 |
Noninterest expense to average assets | 2.6930% | 4,937 |
Loan and lease loss provision to assets | 0.0000% | 6,552 |
Net operating income to assets | 0.6298% | 3,759 |
Return on assets (ROA) | 0.6298% | 3,887 |
Pretax return on assets | 0.6950% | 4,251 |
Return on Equity (ROE) | 2.3705% | 5,603 |
Retained earnings to average equity (ytd only) | 2.3705% | 4,718 |
Net charge-offs to loans | 1.8037% | 963 |
Credit loss provision to net charge-offs | 0.0000% | 5,126 |
Earnings coverage of net charge-offs (x) | 1.3333% | 3,948 |
Efficiency ratio | 79.4872% | 2,651 |
Assets per employee ($millions) | 3.7038% | 4,568 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.9512% | 855 |
Loan loss allowance to noncurrent loans | 1,006.6667% | 338 |
Noncurrent assets plus other real estate owned to assets | 0.9693% | 5,209 |
Noncurrent loans to loans | 0.2932% | 6,738 |
Net loans and leases to total assets | 26.8130% | 7,691 |
Net loans and leases to deposits | 36.6525% | 7,607 |
Net loans and leases to core deposits | 37.0132% | 7,634 |
Total domestic deposits to total assets | 73.1546% | 7,145 |
Equity capital to assets | 26.5970% | 120 |
Core capital (leverage) ratio | 16.5367% | 500 |
Tier 1 risk-based capital ratio | 47.4941% | 170 |
Total risk-based capital ratio | 48.7580% | 170 |
Memoranda: | ||
Average total assets | $36,836,000 | 7,205 |
Average earning assets | $29,843,500 | 7,330 |
Average equity | $9,787,000 | 5,297 |
Average total loans | $10,645,000 | 7,621 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5083% | 7,375 |
Cost of funding earning assets | 1.3048% | 6,289 |
Net interest margin | 3.2035% | 6,076 |
Noninterest income to average assets | 0.6505% | 3,288 |
Noninterest expense to average assets | 2.8819% | 4,601 |
Loan and lease loss provision to assets | 0.0823% | 6,786 |
Net operating income to assets | 0.1054% | 5,200 |
Return on assets (ROA) | 0.4391% | 4,090 |
Pretax return on assets | 0.7685% | 3,353 |
Return on Equity (ROE) | 1.6325% | 5,044 |
Retained earnings to average equity (ytd only) | 0.0000% | 4,911 |
Net charge-offs to loans | -0.1159% | 7,892 |
Credit loss provision to net charge-offs | -250.0000% | 7,402 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 89.7436% | 1,723 |
Assets per employee ($millions) | 3.3304% | 5,425 |
Cash dividends to net income (ytd only)* | 100.0000% | 617 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.1745% | 667 |
Loan loss allowance to noncurrent loans | 675.0000% | 512 |
Noncurrent assets plus other real estate owned to assets | 1.0400% | 5,021 |
Noncurrent loans to loans | 0.4703% | 6,314 |
Net loans and leases to total assets | 29.2242% | 7,729 |
Net loans and leases to deposits | 39.8630% | 7,630 |
Net loans and leases to core deposits | 46.9088% | 7,650 |
Total domestic deposits to total assets | 73.3117% | 7,117 |
Equity capital to assets | 26.5409% | 132 |
Core capital (leverage) ratio | 16.8648% | 511 |
Tier 1 risk-based capital ratio | 45.1462% | 191 |
Total risk-based capital ratio | 46.4193% | 190 |
Memoranda: | ||
Average total assets | $36,434,200 | 7,227 |
Average earning assets | $29,124,000 | 7,389 |
Average equity | $9,800,800 | 5,355 |
Average total loans | $10,353,800 | 7,689 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5300% | 7,476 |
Cost of funding earning assets | 1.3935% | 6,255 |
Net interest margin | 3.1365% | 6,214 |
Noninterest income to average assets | 0.6523% | 3,334 |
Noninterest expense to average assets | 2.8730% | 4,557 |
Loan and lease loss provision to assets | 0.0806% | 6,563 |
Net operating income to assets | 0.0821% | 5,521 |
Return on assets (ROA) | 0.5277% | 3,958 |
Pretax return on assets | 0.8942% | 3,247 |
Return on Equity (ROE) | 1.9551% | 5,179 |
Retained earnings to average equity (ytd only) | 1.9551% | 4,236 |
Net charge-offs to loans | -0.0917% | 7,918 |
Credit loss provision to net charge-offs | -314.2857% | 7,245 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 91.1628% | 1,601 |
Assets per employee ($millions) | 3.5155% | 4,886 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.5155% | 415 |
Loan loss allowance to noncurrent loans | 847.5000% | 419 |
Noncurrent assets plus other real estate owned to assets | 1.1208% | 4,836 |
Noncurrent loans to loans | 0.4148% | 6,508 |
Net loans and leases to total assets | 26.4657% | 7,871 |
Net loans and leases to deposits | 37.1017% | 7,799 |
Net loans and leases to core deposits | 43.7856% | 7,802 |
Total domestic deposits to total assets | 71.3327% | 7,299 |
Equity capital to assets | 28.1667% | 135 |
Core capital (leverage) ratio | 17.5082% | 500 |
Tier 1 risk-based capital ratio | 53.1860% | 150 |
Total risk-based capital ratio | 54.4642% | 148 |
Memoranda: | ||
Average total assets | $36,384,250 | 7,297 |
Average earning assets | $28,991,250 | 7,462 |
Average equity | $9,820,250 | 5,391 |
Average total loans | $10,178,000 | 7,770 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5478% | 7,587 |
Cost of funding earning assets | 1.4955% | 6,161 |
Net interest margin | 3.0524% | 6,393 |
Noninterest income to average assets | 0.6632% | 3,243 |
Noninterest expense to average assets | 2.9461% | 4,307 |
Loan and lease loss provision to assets | 0.0815% | 6,368 |
Net operating income to assets | 0.0022% | 5,827 |
Return on assets (ROA) | 0.6632% | 3,523 |
Pretax return on assets | 1.0980% | 2,643 |
Return on Equity (ROE) | 2.4916% | 5,106 |
Retained earnings to average equity (ytd only) | 2.4916% | 3,948 |
Net charge-offs to loans | -0.2704% | 8,056 |
Credit loss provision to net charge-offs | -107.1429% | 6,951 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 95.2548% | 1,425 |
Assets per employee ($millions) | 3.5669% | 4,649 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.2844% | 455 |
Loan loss allowance to noncurrent loans | 384.0909% | 819 |
Noncurrent assets plus other real estate owned to assets | 1.3962% | 4,167 |
Noncurrent loans to loans | 0.8551% | 5,509 |
Net loans and leases to total assets | 27.9038% | 7,934 |
Net loans and leases to deposits | 38.4821% | 7,853 |
Net loans and leases to core deposits | 45.7210% | 7,839 |
Total domestic deposits to total assets | 72.5111% | 7,184 |
Equity capital to assets | 27.0599% | 170 |
Core capital (leverage) ratio | 16.9064% | 624 |
Tier 1 risk-based capital ratio | 48.9392% | 192 |
Total risk-based capital ratio | 50.0843% | 191 |
Memoranda: | ||
Average total assets | $36,794,000 | 7,347 |
Average earning assets | $29,288,670 | 7,516 |
Average equity | $9,793,000 | 5,421 |
Average total loans | $10,356,330 | 7,842 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8921% | 7,194 |
Cost of funding earning assets | 1.6084% | 6,000 |
Net interest margin | 3.2837% | 5,552 |
Noninterest income to average assets | 0.5568% | 3,864 |
Noninterest expense to average assets | 2.9339% | 4,039 |
Loan and lease loss provision to assets | 0.0857% | 5,860 |
Net operating income to assets | 0.1049% | 5,967 |
Return on assets (ROA) | 1.2742% | 1,545 |
Pretax return on assets | 1.9595% | 711 |
Return on Equity (ROE) | 4.8259% | 4,542 |
Retained earnings to average equity (ytd only) | 4.8259% | 3,221 |
Net charge-offs to loans | -0.2695% | 8,050 |
Credit loss provision to net charge-offs | -114.2857% | 6,225 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 92.2559% | 1,550 |
Assets per employee ($millions) | 3.0357% | 6,057 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.0647% | 455 |
Loan loss allowance to noncurrent loans | 514.2857% | 682 |
Noncurrent assets plus other real estate owned to assets | 1.2985% | 4,084 |
Noncurrent loans to loans | 0.5959% | 5,904 |
Net loans and leases to total assets | 28.1322% | 7,956 |
Net loans and leases to deposits | 38.9732% | 7,875 |
Net loans and leases to core deposits | 46.6879% | 7,855 |
Total domestic deposits to total assets | 72.1835% | 7,181 |
Equity capital to assets | 27.1522% | 182 |
Core capital (leverage) ratio | 16.5535% | 707 |
Tier 1 risk-based capital ratio | 42.8449% | 282 |
Total risk-based capital ratio | 44.1126% | 276 |
Memoranda: | ||
Average total assets | $37,356,500 | 7,356 |
Average earning assets | $29,844,000 | 7,525 |
Average equity | $9,863,500 | 5,429 |
Average total loans | $10,389,000 | 7,891 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.5034% | 7,296 |
Cost of funding earning assets | 2.2306% | 5,457 |
Net interest margin | 3.2728% | 6,126 |
Noninterest income to average assets | 0.4807% | 4,792 |
Noninterest expense to average assets | 2.6268% | 5,547 |
Loan and lease loss provision to assets | 0.0920% | 6,220 |
Net operating income to assets | 0.2188% | 5,794 |
Return on assets (ROA) | 0.4278% | 4,857 |
Pretax return on assets | 0.7683% | 4,185 |
Return on Equity (ROE) | 1.9358% | 5,638 |
Retained earnings to average equity (ytd only) | 1.9358% | 4,029 |
Net charge-offs to loans | -0.0168% | 7,909 |
Credit loss provision to net charge-offs | -2,000.0000% | 7,474 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 83.1150% | 2,166 |
Assets per employee ($millions) | 3.1904% | 5,509 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.0276% | 422 |
Loan loss allowance to noncurrent loans | 475.3846% | 897 |
Noncurrent assets plus other real estate owned to assets | 1.7135% | 2,843 |
Noncurrent loans to loans | 0.6369% | 5,451 |
Net loans and leases to total assets | 25.8509% | 8,073 |
Net loans and leases to deposits | 35.1231% | 8,041 |
Net loans and leases to core deposits | 42.7498% | 8,013 |
Total domestic deposits to total assets | 73.6006% | 6,718 |
Equity capital to assets | 25.6915% | 252 |
Core capital (leverage) ratio | 15.0879% | 1,011 |
Tier 1 risk-based capital ratio | 41.1293% | 312 |
Total risk-based capital ratio | 42.3960% | 303 |
Memoranda: | ||
Average total assets | $43,475,200 | 7,057 |
Average earning assets | $35,596,200 | 7,260 |
Average equity | $9,608,200 | 5,532 |
Average total loans | $11,904,200 | 7,835 |