Home > E*TRADE United Bank > Performance and Condition Ratios
E*TRADE United Bank, Performance and Condition Ratios
| 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 | 3.0567% | 6,871 |
| Cost of funding earning assets | 0.1123% | 7,099 |
| Net interest margin | 2.9444% | 6,285 |
| Noninterest income to average assets | 0.0000% | 6,935 |
| Noninterest expense to average assets | 1.6116% | 6,867 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.6376% | 4,204 |
| Return on assets (ROA) | 5.1418% | 44 |
| Pretax return on assets | 8.3163% | 37 |
| Return on Equity (ROE) | 35.7440% | 39 |
| Retained earnings to average equity (ytd only) | 35.7440% | 20 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7633% | 6,080 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,121 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 96.3075% | 3 |
| Net loans and leases to deposits | NA | NA |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.0000% | 7,189 |
| Equity capital to assets | 96.5686% | 3 |
| Core capital (leverage) ratio | 96.4815% | 4 |
| Tier 1 risk-based capital ratio | 480.0050% | 8 |
| Total risk-based capital ratio | 480.0050% | 8 |
| Memoranda: | ||
| Average total assets | $372,623,250 | 1,768 |
| Average earning assets | $365,749,000 | 1,654 |
| Average equity | $53,602,000 | 1,338 |
| Average total loans | $37,590,000 | 5,675 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7166% | 7,074 |
| Cost of funding earning assets | 0.0975% | 7,182 |
| Net interest margin | 2.6192% | 6,804 |
| Noninterest income to average assets | 0.0000% | 6,985 |
| Noninterest expense to average assets | 1.1401% | 7,160 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.8407% | 3,194 |
| Return on assets (ROA) | 0.6181% | 4,539 |
| Pretax return on assets | 1.0851% | 3,356 |
| Return on Equity (ROE) | 5.7033% | 4,474 |
| Retained earnings to average equity (ytd only) | 5.7033% | 2,878 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.3121% | 6,944 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,209 |
| Net loans and leases to deposits | 0.0000% | 7,209 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 85.1721% | 3,784 |
| Equity capital to assets | 11.4951% | 2,602 |
| Core capital (leverage) ratio | 9.6021% | 3,997 |
| Tier 1 risk-based capital ratio | 36.4009% | 314 |
| Total risk-based capital ratio | 36.4009% | 334 |
| Memoranda: | ||
| Average total assets | $476,276,000 | 1,406 |
| Average earning assets | $467,857,330 | 1,323 |
| Average equity | $51,619,670 | 1,376 |
| Average total loans | $30,324,000 | 6,049 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3398% | 7,204 |
| Cost of funding earning assets | 0.0662% | 7,262 |
| Net interest margin | 2.2736% | 7,071 |
| Noninterest income to average assets | 0.0000% | 7,087 |
| Noninterest expense to average assets | 1.0758% | 7,241 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.7250% | 3,762 |
| Return on assets (ROA) | 0.5755% | 4,693 |
| Pretax return on assets | 0.9214% | 3,961 |
| Return on Equity (ROE) | 5.4778% | 4,559 |
| Retained earnings to average equity (ytd only) | 5.4778% | 3,273 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.2224% | 6,789 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,271 |
| Net loans and leases to deposits | 0.0000% | 7,271 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 85.9763% | 3,538 |
| Equity capital to assets | 9.6484% | 4,585 |
| Core capital (leverage) ratio | 8.5312% | 5,544 |
| Tier 1 risk-based capital ratio | 33.0232% | 391 |
| Total risk-based capital ratio | 33.0232% | 434 |
| Memoranda: | ||
| Average total assets | $474,063,000 | 1,413 |
| Average earning assets | $465,165,000 | 1,338 |
| Average equity | $49,801,000 | 1,414 |
| Average total loans | $45,486,000 | 5,394 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6143% | 7,245 |
| Cost of funding earning assets | 0.0867% | 7,315 |
| Net interest margin | 2.5276% | 7,044 |
| Noninterest income to average assets | 0.0000% | 6,982 |
| Noninterest expense to average assets | 1.1678% | 7,274 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.0006% | 2,193 |
| Return on assets (ROA) | 1.4336% | 1,045 |
| Pretax return on assets | 1.8695% | 709 |
| Return on Equity (ROE) | 12.0343% | 1,395 |
| Retained earnings to average equity (ytd only) | 12.0343% | 301 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.1839% | 6,988 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,295 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 21.5963% | 7,186 |
| Net loans and leases to deposits | 25.1198% | 7,200 |
| Net loans and leases to core deposits | -606,480.0000% | 7,338 |
| Total domestic deposits to total assets | 85.9733% | 3,336 |
| Equity capital to assets | 11.5768% | 2,449 |
| Core capital (leverage) ratio | 10.0870% | 3,239 |
| Tier 1 risk-based capital ratio | 38.1463% | 268 |
| Total risk-based capital ratio | 38.1463% | 288 |
| Memoranda: | ||
| Average total assets | $372,339,200 | 1,752 |
| Average earning assets | $364,568,200 | 1,621 |
| Average equity | $44,356,400 | 1,529 |
| Average total loans | $85,071,400 | 3,995 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7762% | 7,313 |
| Cost of funding earning assets | 0.0958% | 7,385 |
| Net interest margin | 2.6804% | 7,004 |
| Noninterest income to average assets | 0.0000% | 7,100 |
| Noninterest expense to average assets | 1.2029% | 7,340 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.9860% | 2,375 |
| Return on assets (ROA) | 1.5476% | 928 |
| Pretax return on assets | 2.2207% | 408 |
| Return on Equity (ROE) | 12.8848% | 1,308 |
| Retained earnings to average equity (ytd only) | 12.8848% | 391 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.8898% | 7,066 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,371 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 26.1677% | 7,189 |
| Net loans and leases to deposits | 31.0243% | 7,195 |
| Net loans and leases to core deposits | -763,646.1538% | 7,419 |
| Total domestic deposits to total assets | 84.3459% | 4,081 |
| Equity capital to assets | 12.4333% | 1,955 |
| Core capital (leverage) ratio | 10.5561% | 2,801 |
| Tier 1 risk-based capital ratio | 39.0512% | 268 |
| Total risk-based capital ratio | 39.0512% | 281 |
| Memoranda: | ||
| Average total assets | $360,114,500 | 1,811 |
| Average earning assets | $352,177,000 | 1,688 |
| Average equity | $43,254,000 | 1,565 |
| Average total loans | $83,596,250 | 4,074 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9601% | 7,346 |
| Cost of funding earning assets | 0.0978% | 7,458 |
| Net interest margin | 2.8623% | 6,847 |
| Noninterest income to average assets | 0.0000% | 7,188 |
| Noninterest expense to average assets | 1.2666% | 7,405 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.0967% | 1,878 |
| Return on assets (ROA) | 1.9667% | 381 |
| Pretax return on assets | 2.7555% | 176 |
| Return on Equity (ROE) | 16.5820% | 602 |
| Retained earnings to average equity (ytd only) | 16.5820% | 182 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.2891% | 7,188 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,447 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 20.2759% | 7,364 |
| Net loans and leases to deposits | 23.8682% | 7,375 |
| Net loans and leases to core deposits | -585,369.2308% | 7,498 |
| Total domestic deposits to total assets | 84.9494% | 3,897 |
| Equity capital to assets | 11.8176% | 2,226 |
| Core capital (leverage) ratio | 10.6040% | 2,616 |
| Tier 1 risk-based capital ratio | 39.3582% | 256 |
| Total risk-based capital ratio | 39.3582% | 265 |
| Memoranda: | ||
| Average total assets | $353,694,000 | 1,854 |
| Average earning assets | $345,601,670 | 1,731 |
| Average equity | $41,949,000 | 1,597 |
| Average total loans | $78,370,330 | 4,274 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1443% | 7,360 |
| Cost of funding earning assets | 0.0946% | 7,526 |
| Net interest margin | 3.0497% | 6,459 |
| Noninterest income to average assets | 0.0000% | 7,288 |
| Noninterest expense to average assets | 1.2809% | 7,466 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.5467% | 786 |
| Return on assets (ROA) | 1.5982% | 740 |
| Pretax return on assets | 1.7464% | 901 |
| Return on Equity (ROE) | 13.4488% | 1,101 |
| Retained earnings to average equity (ytd only) | 13.4488% | 525 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.1095% | 7,316 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,503 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 21.0775% | 7,415 |
| Net loans and leases to deposits | 24.7155% | 7,422 |
| Net loans and leases to core deposits | -587,107.6923% | 7,558 |
| Total domestic deposits to total assets | 85.2805% | 3,898 |
| Equity capital to assets | 11.3283% | 2,392 |
| Core capital (leverage) ratio | 10.0515% | 3,086 |
| Tier 1 risk-based capital ratio | 40.3229% | 233 |
| Total risk-based capital ratio | 40.3229% | 246 |
| Memoranda: | ||
| Average total assets | $342,884,500 | 1,914 |
| Average earning assets | $334,067,000 | 1,793 |
| Average equity | $40,747,000 | 1,637 |
| Average total loans | $79,506,500 | 4,273 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8050% | 7,516 |
| Cost of funding earning assets | 0.1400% | 7,571 |
| Net interest margin | 2.6651% | 7,157 |
| Noninterest income to average assets | 0.0000% | 7,282 |
| Noninterest expense to average assets | 1.2743% | 7,525 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 1.0980% | 1,707 |
| Return on assets (ROA) | -0.0370% | 5,998 |
| Pretax return on assets | -0.4853% | 6,305 |
| Return on Equity (ROE) | -0.2464% | 5,992 |
| Retained earnings to average equity (ytd only) | -0.2464% | 5,658 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.7335% | 7,144 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,582 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 25.5483% | 7,443 |
| Net loans and leases to deposits | 30.8793% | 7,448 |
| Net loans and leases to core deposits | -751,718.1818% | 7,640 |
| Total domestic deposits to total assets | 82.7358% | 4,916 |
| Equity capital to assets | 12.5049% | 1,632 |
| Core capital (leverage) ratio | 10.8118% | 2,302 |
| Tier 1 risk-based capital ratio | 40.4822% | 230 |
| Total risk-based capital ratio | 40.4822% | 246 |
| Memoranda: | ||
| Average total assets | $248,911,400 | 2,550 |
| Average earning assets | $239,319,200 | 2,432 |
| Average equity | $37,340,400 | 1,771 |
| Average total loans | $45,840,000 | 5,657 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8706% | 7,639 |
| Cost of funding earning assets | 0.1546% | 7,690 |
| Net interest margin | 2.7159% | 7,215 |
| Noninterest income to average assets | 0.0000% | 7,437 |
| Noninterest expense to average assets | 1.2897% | 7,638 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.8813% | 2,694 |
| Return on assets (ROA) | -0.3967% | 6,557 |
| Pretax return on assets | -0.6828% | 6,668 |
| Return on Equity (ROE) | -2.4983% | 6,451 |
| Retained earnings to average equity (ytd only) | -2.4983% | 6,284 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.5329% | 7,182 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,691 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 16.5929% | 7,652 |
| Net loans and leases to deposits | 20.6764% | 7,660 |
| Net loans and leases to core deposits | -500,988.8889% | 7,745 |
| Total domestic deposits to total assets | 80.2507% | 5,622 |
| Equity capital to assets | 14.8946% | 911 |
| Core capital (leverage) ratio | 13.3302% | 1,108 |
| Tier 1 risk-based capital ratio | 46.4167% | 168 |
| Total risk-based capital ratio | 46.4167% | 173 |
| Memoranda: | ||
| Average total assets | $230,224,750 | 2,781 |
| Average earning assets | $220,718,500 | 2,660 |
| Average equity | $36,557,250 | 1,831 |
| Average total loans | $36,627,750 | 6,168 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0865% | 7,701 |
| Cost of funding earning assets | 0.1639% | 7,758 |
| Net interest margin | 2.9226% | 6,982 |
| Noninterest income to average assets | 0.0000% | 7,524 |
| Noninterest expense to average assets | 1.3051% | 7,708 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.0114% | 2,149 |
| Return on assets (ROA) | -0.7200% | 6,829 |
| Pretax return on assets | -1.2256% | 6,979 |
| Return on Equity (ROE) | -4.4196% | 6,649 |
| Retained earnings to average equity (ytd only) | -4.4196% | 6,489 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.8636% | 7,400 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,760 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 12.1852% | 7,750 |
| Net loans and leases to deposits | 15.4500% | 7,755 |
| Net loans and leases to core deposits | -364,187.5000% | 7,814 |
| Total domestic deposits to total assets | 78.8684% | 6,071 |
| Equity capital to assets | 15.6427% | 734 |
| Core capital (leverage) ratio | 14.9566% | 727 |
| Tier 1 risk-based capital ratio | 48.8288% | 162 |
| Total risk-based capital ratio | 48.8288% | 166 |
| Memoranda: | ||
| Average total assets | $216,387,670 | 2,978 |
| Average earning assets | $206,187,670 | 2,854 |
| Average equity | $35,251,670 | 1,895 |
| Average total loans | $33,807,330 | 6,344 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2372% | 7,768 |
| Cost of funding earning assets | 0.1830% | 7,857 |
| Net interest margin | 3.0542% | 6,705 |
| Noninterest income to average assets | 0.0000% | 7,655 |
| Noninterest expense to average assets | 1.2837% | 7,810 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.0586% | 1,973 |
| Return on assets (ROA) | -0.3024% | 6,722 |
| Pretax return on assets | -0.5131% | 6,796 |
| Return on Equity (ROE) | -1.8141% | 6,620 |
| Retained earnings to average equity (ytd only) | -1.8141% | 6,184 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.3098% | 7,611 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,860 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 19.4337% | 7,794 |
| Net loans and leases to deposits | 25.1364% | 7,789 |
| Net loans and leases to core deposits | -608,057.1429% | 7,916 |
| Total domestic deposits to total assets | 77.3128% | 6,487 |
| Equity capital to assets | 15.9121% | 686 |
| Core capital (leverage) ratio | 16.9896% | 459 |
| Tier 1 risk-based capital ratio | 52.0909% | 145 |
| Total risk-based capital ratio | 52.0909% | 148 |
| Memoranda: | ||
| Average total assets | $205,030,500 | 3,154 |
| Average earning assets | $194,489,000 | 3,070 |
| Average equity | $34,176,500 | 1,978 |
| Average total loans | $36,143,500 | 6,306 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5317% | 7,356 |
| Cost of funding earning assets | 0.2830% | 7,912 |
| Net interest margin | 4.2487% | 1,900 |
| Noninterest income to average assets | 0.0394% | 7,552 |
| Noninterest expense to average assets | 1.2891% | 7,880 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 1.9359% | 263 |
| Return on assets (ROA) | -2.1737% | 7,153 |
| Pretax return on assets | -3.9438% | 7,513 |
| Return on Equity (ROE) | -11.1506% | 6,708 |
| Retained earnings to average equity (ytd only) | -11.1506% | 6,610 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.2233% | 7,911 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,932 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 15.5586% | 7,903 |
| Net loans and leases to deposits | 20.4677% | 7,907 |
| Net loans and leases to core deposits | 20.4677% | 7,919 |
| Total domestic deposits to total assets | 76.0154% | 6,678 |
| Equity capital to assets | 17.5367% | 497 |
| Core capital (leverage) ratio | 19.3916% | 311 |
| Tier 1 risk-based capital ratio | 58.4316% | 120 |
| Total risk-based capital ratio | 58.4316% | 122 |
| Memoranda: | ||
| Average total assets | $142,197,000 | 4,076 |
| Average earning assets | $124,744,400 | 4,199 |
| Average equity | $27,720,400 | 2,400 |
| Average total loans | $21,103,400 | 7,133 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8651% | 6,970 |
| Cost of funding earning assets | 0.3101% | 8,000 |
| Net interest margin | 4.5550% | 1,069 |
| Noninterest income to average assets | 0.0574% | 7,613 |
| Noninterest expense to average assets | 1.3437% | 7,942 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.7792% | 472 |
| Return on assets (ROA) | -1.7099% | 7,193 |
| Pretax return on assets | -2.8659% | 7,463 |
| Return on Equity (ROE) | -8.4590% | 6,770 |
| Retained earnings to average equity (ytd only) | -8.4590% | 6,655 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.1947% | 7,985 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 8,022 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 8.3777% | 8,023 |
| Net loans and leases to deposits | 12.0595% | 8,024 |
| Net loans and leases to core deposits | 12.0595% | 8,020 |
| Total domestic deposits to total assets | 69.4702% | 7,455 |
| Equity capital to assets | 18.8566% | 428 |
| Core capital (leverage) ratio | 19.7546% | 329 |
| Tier 1 risk-based capital ratio | 16.2391% | 2,541 |
| Total risk-based capital ratio | 16.2391% | 2,984 |
| Memoranda: | ||
| Average total assets | $129,986,500 | 4,374 |
| Average earning assets | $110,498,750 | 4,575 |
| Average equity | $26,275,000 | 2,532 |
| Average total loans | $18,948,500 | 7,325 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2237% | 5,987 |
| Cost of funding earning assets | 0.3375% | 8,086 |
| Net interest margin | 4.8862% | 554 |
| Noninterest income to average assets | 0.0953% | 7,504 |
| Noninterest expense to average assets | 1.5402% | 7,952 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.9758% | 314 |
| Return on assets (ROA) | -3.1314% | 7,700 |
| Pretax return on assets | -5.2604% | 7,894 |
| Return on Equity (ROE) | -15.0129% | 7,328 |
| Retained earnings to average equity (ytd only) | -15.0129% | 7,237 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.1566% | 8,069 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 8,113 |
| 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 | 10.2964% | 8,103 |
| Net loans and leases to deposits | 14.7507% | 8,107 |
| Net loans and leases to core deposits | 14.7507% | 8,107 |
| Total domestic deposits to total assets | 69.8028% | 7,491 |
| Equity capital to assets | 22.1621% | 277 |
| Core capital (leverage) ratio | 24.9789% | 207 |
| Tier 1 risk-based capital ratio | 19.5101% | 1,675 |
| Total risk-based capital ratio | 19.5101% | 1,895 |
| Memoranda: | ||
| Average total assets | $117,520,670 | 4,700 |
| Average earning assets | $100,158,670 | 4,886 |
| Average equity | $24,512,330 | 2,685 |
| Average total loans | $20,590,330 | 7,293 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9177% | 7,130 |
| Cost of funding earning assets | 0.3432% | 8,149 |
| Net interest margin | 4.5745% | 982 |
| Noninterest income to average assets | 0.0000% | 8,039 |
| Noninterest expense to average assets | 1.6033% | 7,909 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.5766% | 815 |
| Return on assets (ROA) | -1.4287% | 7,483 |
| Pretax return on assets | -2.4049% | 7,643 |
| Return on Equity (ROE) | -7.1030% | 7,156 |
| Retained earnings to average equity (ytd only) | -7.1030% | 6,805 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.1711% | 8,018 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 8,168 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 15.3967% | 8,120 |
| Net loans and leases to deposits | 21.8889% | 8,123 |
| Net loans and leases to core deposits | 21.8889% | 8,132 |
| Total domestic deposits to total assets | 70.3403% | 7,394 |
| Equity capital to assets | 20.5517% | 388 |
| Core capital (leverage) ratio | 14.4090% | 1,104 |
| Tier 1 risk-based capital ratio | 17.7015% | 2,127 |
| Total risk-based capital ratio | 17.7015% | 2,470 |
| Memoranda: | ||
| Average total assets | $112,268,500 | 4,842 |
| Average earning assets | $95,573,500 | 5,037 |
| Average equity | $22,582,000 | 2,913 |
| Average total loans | $24,294,500 | 7,114 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2809% | 7,621 |
| Cost of funding earning assets | 0.7048% | 8,145 |
| Net interest margin | 4.5760% | 1,239 |
| Noninterest income to average assets | 0.2865% | 6,419 |
| Noninterest expense to average assets | 1.7269% | 7,842 |
| Loan and lease loss provision to assets | 17.3220% | 3 |
| Net operating income to assets | -8.4871% | 8,231 |
| Return on assets (ROA) | -9.7286% | 8,253 |
| Pretax return on assets | -16.4258% | 8,293 |
| Return on Equity (ROE) | -109.1296% | 8,284 |
| Retained earnings to average equity (ytd only) | -109.1296% | 8,280 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.8468% | 8,161 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 8,224 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 27.9446% | 8,035 |
| Net loans and leases to deposits | 39.2566% | 7,952 |
| Net loans and leases to core deposits | 39.2566% | 8,063 |
| Total domestic deposits to total assets | 71.1845% | 7,136 |
| Equity capital to assets | 19.6726% | 485 |
| Core capital (leverage) ratio | 14.9767% | 1,044 |
| Tier 1 risk-based capital ratio | 15.1107% | 2,988 |
| Total risk-based capital ratio | 15.1107% | 3,533 |
| Memoranda: | ||
| Average total assets | $171,401,000 | 3,529 |
| Average earning assets | $160,182,200 | 3,471 |
| Average equity | $15,280,000 | 4,080 |
| Average total loans | $11,439,800 | 7,866 |