Home > First Ipswich Bank > Performance and Condition Ratios
First Ipswich Bank, Performance and Condition Ratios
2019-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0073% | 4,243 |
Cost of funding earning assets | 1.0251% | 1,622 |
Net interest margin | 2.9822% | 4,539 |
Noninterest income to average assets | 0.4054% | 3,266 |
Noninterest expense to average assets | 2.8154% | 2,552 |
Loan and lease loss provision to assets | 0.0212% | 3,597 |
Net operating income to assets | 0.3179% | 4,729 |
Return on assets (ROA) | 0.3205% | 4,755 |
Pretax return on assets | 0.4207% | 4,677 |
Return on Equity (ROE) | 3.2895% | 4,610 |
Retained earnings to average equity (ytd only) | 3.2895% | 3,366 |
Net charge-offs to loans | 0.3262% | 635 |
Credit loss provision to net charge-offs | 9.8532% | 3,358 |
Earnings coverage of net charge-offs (x) | 2.0419% | 3,462 |
Efficiency ratio | 85.2795% | 584 |
Assets per employee ($millions) | 8.3285% | 633 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.7826% | 4,359 |
Loan loss allowance to noncurrent loans | 187.6396% | 2,194 |
Noncurrent assets plus other real estate owned to assets | 0.2689% | 3,351 |
Noncurrent loans to loans | 0.4171% | 2,951 |
Net loans and leases to total assets | 63.9640% | 3,201 |
Net loans and leases to deposits | 79.5739% | 2,823 |
Net loans and leases to core deposits | 89.8093% | 2,445 |
Total domestic deposits to total assets | 80.3832% | 3,899 |
Equity capital to assets | 9.5539% | 4,309 |
Core capital (leverage) ratio | 8.7994% | 4,667 |
Tier 1 risk-based capital ratio | 13.4457% | 3,556 |
Total risk-based capital ratio | 14.2403% | 3,671 |
Memoranda: | ||
Average total assets | $444,269,800 | 1,579 |
Average earning assets | $424,352,400 | 1,526 |
Average equity | $43,288,600 | 1,808 |
Average total loans | $292,486,000 | 1,638 |
2019-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2390% | 3,832 |
Cost of funding earning assets | 1.0565% | 1,513 |
Net interest margin | 3.1825% | 4,337 |
Noninterest income to average assets | 0.4318% | 3,130 |
Noninterest expense to average assets | 2.9417% | 2,122 |
Loan and lease loss provision to assets | 0.0514% | 2,880 |
Net operating income to assets | 0.2697% | 4,877 |
Return on assets (ROA) | 0.2738% | 4,885 |
Pretax return on assets | 0.3577% | 4,851 |
Return on Equity (ROE) | 2.7956% | 4,800 |
Retained earnings to average equity (ytd only) | 2.7956% | 3,974 |
Net charge-offs to loans | 0.4379% | 382 |
Credit loss provision to net charge-offs | 17.7149% | 2,976 |
Earnings coverage of net charge-offs (x) | 1.3931% | 3,297 |
Efficiency ratio | 86.7835% | 459 |
Assets per employee ($millions) | 7.1531% | 971 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8197% | 4,352 |
Loan loss allowance to noncurrent loans | 179.9852% | 2,265 |
Noncurrent assets plus other real estate owned to assets | 0.2901% | 3,391 |
Noncurrent loans to loans | 0.4554% | 2,939 |
Net loans and leases to total assets | 63.1832% | 3,365 |
Net loans and leases to deposits | 78.8672% | 3,020 |
Net loans and leases to core deposits | 90.8830% | 2,477 |
Total domestic deposits to total assets | 80.1134% | 3,971 |
Equity capital to assets | 9.4720% | 4,480 |
Core capital (leverage) ratio | 10.6555% | 2,970 |
Tier 1 risk-based capital ratio | 13.0528% | 3,816 |
Total risk-based capital ratio | 13.8574% | 3,954 |
Memoranda: | ||
Average total assets | $438,738,500 | 1,606 |
Average earning assets | $401,691,000 | 1,619 |
Average equity | $42,971,000 | 1,829 |
Average total loans | $290,438,000 | 1,654 |
2019-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0809% | 4,209 |
Cost of funding earning assets | 0.9721% | 1,817 |
Net interest margin | 3.1088% | 4,517 |
Noninterest income to average assets | 0.4302% | 3,064 |
Noninterest expense to average assets | 2.9916% | 2,025 |
Loan and lease loss provision to assets | 0.0791% | 2,243 |
Net operating income to assets | 0.2441% | 4,944 |
Return on assets (ROA) | 0.2488% | 4,955 |
Pretax return on assets | 0.3256% | 4,909 |
Return on Equity (ROE) | 2.5109% | 4,871 |
Retained earnings to average equity (ytd only) | 2.5109% | 3,940 |
Net charge-offs to loans | 0.6239% | 244 |
Credit loss provision to net charge-offs | 18.8889% | 2,661 |
Earnings coverage of net charge-offs (x) | 0.9522% | 3,064 |
Efficiency ratio | 87.2548% | 480 |
Assets per employee ($millions) | 6.9249% | 1,038 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8589% | 4,238 |
Loan loss allowance to noncurrent loans | 161.9700% | 2,504 |
Noncurrent assets plus other real estate owned to assets | 0.3406% | 3,172 |
Noncurrent loans to loans | 0.5303% | 2,684 |
Net loans and leases to total assets | 63.6707% | 3,373 |
Net loans and leases to deposits | 79.0757% | 3,051 |
Net loans and leases to core deposits | 91.1089% | 2,499 |
Total domestic deposits to total assets | 80.5187% | 3,931 |
Equity capital to assets | 9.6601% | 4,265 |
Core capital (leverage) ratio | 9.3427% | 4,315 |
Tier 1 risk-based capital ratio | 13.2229% | 3,723 |
Total risk-based capital ratio | 14.0659% | 3,841 |
Memoranda: | ||
Average total assets | $430,001,000 | 1,636 |
Average earning assets | $409,420,330 | 1,596 |
Average equity | $42,614,670 | 1,843 |
Average total loans | $288,517,670 | 1,667 |
2019-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1422% | 4,025 |
Cost of funding earning assets | 0.9360% | 1,859 |
Net interest margin | 3.2062% | 4,371 |
Noninterest income to average assets | 0.5029% | 2,537 |
Noninterest expense to average assets | 3.0585% | 1,831 |
Loan and lease loss provision to assets | 0.0476% | 2,695 |
Net operating income to assets | 0.3393% | 4,852 |
Return on assets (ROA) | 0.3439% | 4,855 |
Pretax return on assets | 0.4563% | 4,764 |
Return on Equity (ROE) | 3.4233% | 4,695 |
Retained earnings to average equity (ytd only) | 3.4233% | 3,548 |
Net charge-offs to loans | 1.1879% | 104 |
Credit loss provision to net charge-offs | 5.8411% | 2,195 |
Earnings coverage of net charge-offs (x) | 0.6110% | 2,657 |
Efficiency ratio | 85.5115% | 613 |
Assets per employee ($millions) | 6.3381% | 1,323 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8512% | 4,342 |
Loan loss allowance to noncurrent loans | 153.5418% | 2,633 |
Noncurrent assets plus other real estate owned to assets | 0.5250% | 2,529 |
Noncurrent loans to loans | 0.5544% | 2,660 |
Net loans and leases to total assets | 66.9956% | 2,897 |
Net loans and leases to deposits | 77.0053% | 3,162 |
Net loans and leases to core deposits | 89.2040% | 2,585 |
Total domestic deposits to total assets | 87.0012% | 1,813 |
Equity capital to assets | 10.1944% | 3,627 |
Core capital (leverage) ratio | 9.6301% | 3,998 |
Tier 1 risk-based capital ratio | 14.1135% | 3,290 |
Total risk-based capital ratio | 14.9891% | 3,386 |
Memoranda: | ||
Average total assets | $419,942,000 | 1,688 |
Average earning assets | $399,980,000 | 1,639 |
Average equity | $42,181,000 | 1,846 |
Average total loans | $288,238,000 | 1,678 |
2018-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0039% | 4,017 |
Cost of funding earning assets | 0.7216% | 1,946 |
Net interest margin | 3.2823% | 4,298 |
Noninterest income to average assets | 0.5541% | 2,527 |
Noninterest expense to average assets | 2.9719% | 2,130 |
Loan and lease loss provision to assets | 0.1694% | 1,186 |
Net operating income to assets | 0.4261% | 4,817 |
Return on assets (ROA) | 0.4353% | 4,794 |
Pretax return on assets | 0.5617% | 4,701 |
Return on Equity (ROE) | 4.4087% | 4,606 |
Retained earnings to average equity (ytd only) | 4.4087% | 3,111 |
Net charge-offs to loans | 0.1780% | 1,083 |
Credit loss provision to net charge-offs | 133.3333% | 1,985 |
Earnings coverage of net charge-offs (x) | 5.6609% | 3,170 |
Efficiency ratio | 78.6440% | 1,070 |
Assets per employee ($millions) | 6.3874% | 1,271 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0935% | 3,146 |
Loan loss allowance to noncurrent loans | 82.4692% | 3,697 |
Noncurrent assets plus other real estate owned to assets | 1.0734% | 1,260 |
Noncurrent loans to loans | 1.3260% | 1,184 |
Net loans and leases to total assets | 68.9340% | 2,740 |
Net loans and leases to deposits | 79.7090% | 2,987 |
Net loans and leases to core deposits | 90.1234% | 2,566 |
Total domestic deposits to total assets | 86.4821% | 2,025 |
Equity capital to assets | 9.8957% | 3,766 |
Core capital (leverage) ratio | 9.5929% | 4,011 |
Tier 1 risk-based capital ratio | 13.9098% | 3,323 |
Total risk-based capital ratio | 15.0635% | 3,308 |
Memoranda: | ||
Average total assets | $410,744,200 | 1,668 |
Average earning assets | $392,590,400 | 1,614 |
Average equity | $40,556,600 | 1,831 |
Average total loans | $293,321,400 | 1,622 |
2018-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9505% | 4,080 |
Cost of funding earning assets | 0.6819% | 1,968 |
Net interest margin | 3.2685% | 4,362 |
Noninterest income to average assets | 0.5516% | 2,564 |
Noninterest expense to average assets | 2.9412% | 2,188 |
Loan and lease loss provision to assets | 0.2428% | 650 |
Net operating income to assets | 0.3859% | 4,980 |
Return on assets (ROA) | 0.3797% | 4,988 |
Pretax return on assets | 0.4859% | 4,922 |
Return on Equity (ROE) | 3.8476% | 4,854 |
Retained earnings to average equity (ytd only) | 3.8476% | 3,856 |
Net charge-offs to loans | 0.0946% | 1,542 |
Credit loss provision to net charge-offs | 357.2115% | 880 |
Earnings coverage of net charge-offs (x) | 10.8364% | 2,560 |
Efficiency ratio | 78.0542% | 1,119 |
Assets per employee ($millions) | 6.5772% | 1,147 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2135% | 2,546 |
Loan loss allowance to noncurrent loans | 86.6214% | 3,691 |
Noncurrent assets plus other real estate owned to assets | 0.9958% | 1,466 |
Noncurrent loans to loans | 1.4010% | 1,186 |
Net loans and leases to total assets | 70.2127% | 2,613 |
Net loans and leases to deposits | 81.5199% | 2,872 |
Net loans and leases to core deposits | 90.4432% | 2,623 |
Total domestic deposits to total assets | 86.1295% | 2,128 |
Equity capital to assets | 9.7345% | 3,889 |
Core capital (leverage) ratio | 9.4827% | 4,196 |
Tier 1 risk-based capital ratio | 14.0555% | 3,346 |
Total risk-based capital ratio | 15.3063% | 3,250 |
Memoranda: | ||
Average total assets | $408,038,500 | 1,687 |
Average earning assets | $390,257,500 | 1,628 |
Average equity | $40,266,500 | 1,841 |
Average total loans | $293,197,750 | 1,629 |
2018-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8466% | 4,225 |
Cost of funding earning assets | 0.6474% | 1,937 |
Net interest margin | 3.1991% | 4,507 |
Noninterest income to average assets | 0.4286% | 3,303 |
Noninterest expense to average assets | 2.9384% | 2,237 |
Loan and lease loss provision to assets | 0.0158% | 3,568 |
Net operating income to assets | 0.4109% | 4,937 |
Return on assets (ROA) | 0.4109% | 4,941 |
Pretax return on assets | 0.5346% | 4,844 |
Return on Equity (ROE) | 4.1448% | 4,779 |
Retained earnings to average equity (ytd only) | 4.1448% | 3,540 |
Net charge-offs to loans | 0.1271% | 1,163 |
Credit loss provision to net charge-offs | 17.2043% | 2,702 |
Earnings coverage of net charge-offs (x) | 6.0054% | 2,667 |
Efficiency ratio | 82.1353% | 822 |
Assets per employee ($millions) | 5.9324% | 1,514 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9899% | 3,912 |
Loan loss allowance to noncurrent loans | 65.1242% | 4,098 |
Noncurrent assets plus other real estate owned to assets | 1.1145% | 1,325 |
Noncurrent loans to loans | 1.5201% | 1,101 |
Net loans and leases to total assets | 72.5959% | 2,182 |
Net loans and leases to deposits | 84.7603% | 2,450 |
Net loans and leases to core deposits | 92.7249% | 2,334 |
Total domestic deposits to total assets | 85.6485% | 2,435 |
Equity capital to assets | 10.1409% | 3,494 |
Core capital (leverage) ratio | 9.4320% | 4,198 |
Tier 1 risk-based capital ratio | 14.1395% | 3,293 |
Total risk-based capital ratio | 15.2285% | 3,296 |
Memoranda: | ||
Average total assets | $405,931,000 | 1,698 |
Average earning assets | $388,292,670 | 1,644 |
Average equity | $40,243,330 | 1,850 |
Average total loans | $292,761,000 | 1,636 |
2018-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6413% | 4,617 |
Cost of funding earning assets | 0.5986% | 2,063 |
Net interest margin | 3.0428% | 4,813 |
Noninterest income to average assets | 0.4037% | 3,435 |
Noninterest expense to average assets | 2.8876% | 2,417 |
Loan and lease loss provision to assets | -0.2077% | 5,553 |
Net operating income to assets | 0.4847% | 4,732 |
Return on assets (ROA) | 0.4847% | 4,737 |
Pretax return on assets | 0.6339% | 4,603 |
Return on Equity (ROE) | 4.9439% | 4,516 |
Retained earnings to average equity (ytd only) | 4.9439% | 3,208 |
Net charge-offs to loans | 0.0014% | 2,686 |
Credit loss provision to net charge-offs | -21,300.0000% | 4,542 |
Earnings coverage of net charge-offs (x) | 437.0000% | 150 |
Efficiency ratio | 84.7557% | 740 |
Assets per employee ($millions) | 6.3859% | 1,262 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9611% | 4,168 |
Loan loss allowance to noncurrent loans | 53.8095% | 4,377 |
Noncurrent assets plus other real estate owned to assets | 1.2648% | 1,175 |
Noncurrent loans to loans | 1.7861% | 944 |
Net loans and leases to total assets | 70.1349% | 2,464 |
Net loans and leases to deposits | 80.9450% | 2,706 |
Net loans and leases to core deposits | 87.3627% | 2,689 |
Total domestic deposits to total assets | 86.6451% | 2,260 |
Equity capital to assets | 9.6713% | 3,917 |
Core capital (leverage) ratio | 9.5478% | 4,014 |
Tier 1 risk-based capital ratio | 13.5942% | 3,603 |
Total risk-based capital ratio | 14.6315% | 3,646 |
Memoranda: | ||
Average total assets | $410,161,500 | 1,691 |
Average earning assets | $392,274,500 | 1,639 |
Average equity | $40,211,500 | 1,859 |
Average total loans | $293,425,500 | 1,643 |
2017-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8721% | 3,813 |
Cost of funding earning assets | 0.5852% | 1,711 |
Net interest margin | 3.2869% | 4,195 |
Noninterest income to average assets | 0.4485% | 3,319 |
Noninterest expense to average assets | 3.2179% | 1,571 |
Loan and lease loss provision to assets | 0.6017% | 211 |
Net operating income to assets | -0.2551% | 5,462 |
Return on assets (ROA) | -0.2551% | 5,460 |
Pretax return on assets | -0.2416% | 5,508 |
Return on Equity (ROE) | -2.6605% | 5,478 |
Retained earnings to average equity (ytd only) | -3.0673% | 5,348 |
Net charge-offs to loans | 0.6299% | 355 |
Credit loss provision to net charge-offs | 126.3790% | 2,083 |
Earnings coverage of net charge-offs (x) | 0.7564% | 3,968 |
Efficiency ratio | 87.3047% | 571 |
Assets per employee ($millions) | 6.1400% | 1,423 |
Cash dividends to net income (ytd only)* | -15.2905% | 5,624 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0375% | 3,698 |
Loan loss allowance to noncurrent loans | 72.3227% | 4,048 |
Noncurrent assets plus other real estate owned to assets | 1.0369% | 1,472 |
Noncurrent loans to loans | 1.4346% | 1,195 |
Net loans and leases to total assets | 71.5302% | 2,291 |
Net loans and leases to deposits | 83.8678% | 2,504 |
Net loans and leases to core deposits | 90.5821% | 2,504 |
Total domestic deposits to total assets | 85.2892% | 2,729 |
Equity capital to assets | 9.9395% | 3,772 |
Core capital (leverage) ratio | 9.4447% | 4,110 |
Tier 1 risk-based capital ratio | 13.3846% | 3,698 |
Total risk-based capital ratio | 14.4992% | 3,689 |
Memoranda: | ||
Average total assets | $384,594,200 | 1,774 |
Average earning assets | $366,185,600 | 1,731 |
Average equity | $36,872,400 | 1,989 |
Average total loans | $290,699,600 | 1,610 |
2017-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8433% | 3,856 |
Cost of funding earning assets | 0.5676% | 1,758 |
Net interest margin | 3.2758% | 4,239 |
Noninterest income to average assets | 0.4431% | 3,381 |
Noninterest expense to average assets | 3.2553% | 1,446 |
Loan and lease loss provision to assets | 0.7291% | 154 |
Net operating income to assets | -0.2516% | 5,594 |
Return on assets (ROA) | -0.2516% | 5,595 |
Pretax return on assets | -0.4241% | 5,615 |
Return on Equity (ROE) | -2.6503% | 5,599 |
Retained earnings to average equity (ytd only) | -3.2055% | 5,498 |
Net charge-offs to loans | 0.1843% | 1,144 |
Credit loss provision to net charge-offs | 517.4564% | 613 |
Earnings coverage of net charge-offs (x) | 2.1646% | 3,500 |
Efficiency ratio | 88.7189% | 464 |
Assets per employee ($millions) | 5.5188% | 1,905 |
Cash dividends to net income (ytd only)* | -20.9503% | 5,716 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3967% | 1,907 |
Loan loss allowance to noncurrent loans | 61.3755% | 4,311 |
Noncurrent assets plus other real estate owned to assets | 1.7589% | 803 |
Noncurrent loans to loans | 2.2757% | 700 |
Net loans and leases to total assets | 76.2094% | 1,553 |
Net loans and leases to deposits | 90.1474% | 1,789 |
Net loans and leases to core deposits | 97.3699% | 1,941 |
Total domestic deposits to total assets | 84.5387% | 2,902 |
Equity capital to assets | 9.1559% | 4,764 |
Core capital (leverage) ratio | 8.4260% | 5,296 |
Tier 1 risk-based capital ratio | 11.4112% | 5,006 |
Total risk-based capital ratio | 12.6644% | 4,893 |
Memoranda: | ||
Average total assets | $379,432,750 | 1,805 |
Average earning assets | $361,068,250 | 1,757 |
Average equity | $36,020,750 | 2,031 |
Average total loans | $290,147,500 | 1,617 |
2017-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8379% | 3,763 |
Cost of funding earning assets | 0.5245% | 1,965 |
Net interest margin | 3.3134% | 4,066 |
Noninterest income to average assets | 0.4178% | 3,578 |
Noninterest expense to average assets | 3.2236% | 1,527 |
Loan and lease loss provision to assets | 0.8809% | 113 |
Net operating income to assets | -0.3165% | 5,653 |
Return on assets (ROA) | -0.3165% | 5,652 |
Pretax return on assets | -0.5356% | 5,675 |
Return on Equity (ROE) | -3.2937% | 5,657 |
Retained earnings to average equity (ytd only) | -4.1254% | 5,496 |
Net charge-offs to loans | -0.2357% | 5,604 |
Credit loss provision to net charge-offs | -490.5045% | 4,664 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 87.5317% | 572 |
Assets per employee ($millions) | 5.5103% | 1,864 |
Cash dividends to net income (ytd only)* | -25.2525% | 5,770 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5561% | 1,374 |
Loan loss allowance to noncurrent loans | 55.3929% | 4,459 |
Noncurrent assets plus other real estate owned to assets | 2.1635% | 554 |
Noncurrent loans to loans | 2.8092% | 493 |
Net loans and leases to total assets | 74.4628% | 1,785 |
Net loans and leases to deposits | 90.2469% | 1,694 |
Net loans and leases to core deposits | 97.2822% | 1,869 |
Total domestic deposits to total assets | 82.5101% | 3,724 |
Equity capital to assets | 9.3252% | 4,594 |
Core capital (leverage) ratio | 8.7008% | 5,045 |
Tier 1 risk-based capital ratio | 11.7732% | 4,782 |
Total risk-based capital ratio | 13.0282% | 4,667 |
Memoranda: | ||
Average total assets | $375,298,330 | 1,825 |
Average earning assets | $356,909,330 | 1,778 |
Average equity | $36,069,000 | 2,023 |
Average total loans | $285,914,670 | 1,633 |
2017-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6977% | 4,125 |
Cost of funding earning assets | 0.4754% | 2,302 |
Net interest margin | 3.2223% | 4,274 |
Noninterest income to average assets | 0.4194% | 3,522 |
Noninterest expense to average assets | 3.1074% | 1,848 |
Loan and lease loss provision to assets | 1.6061% | 50 |
Net operating income to assets | -0.7285% | 5,767 |
Return on assets (ROA) | -0.7285% | 5,765 |
Pretax return on assets | -1.2246% | 5,785 |
Return on Equity (ROE) | -7.4642% | 5,764 |
Retained earnings to average equity (ytd only) | -9.1254% | 5,559 |
Net charge-offs to loans | 0.0000% | 2,943 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 85.9665% | 805 |
Assets per employee ($millions) | 7.5558% | 736 |
Cash dividends to net income (ytd only)* | -22.2552% | 5,838 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4084% | 2,041 |
Loan loss allowance to noncurrent loans | 47.3376% | 4,707 |
Noncurrent assets plus other real estate owned to assets | 2.2618% | 543 |
Noncurrent loans to loans | 2.9752% | 465 |
Net loans and leases to total assets | 74.9514% | 1,585 |
Net loans and leases to deposits | 93.1723% | 1,202 |
Net loans and leases to core deposits | 100.0449% | 1,502 |
Total domestic deposits to total assets | 80.4439% | 4,538 |
Equity capital to assets | 9.4624% | 4,319 |
Core capital (leverage) ratio | 8.9587% | 4,786 |
Tier 1 risk-based capital ratio | 11.8674% | 4,798 |
Total risk-based capital ratio | 13.1203% | 4,705 |
Memoranda: | ||
Average total assets | $370,087,500 | 1,859 |
Average earning assets | $352,548,000 | 1,814 |
Average equity | $36,119,000 | 2,023 |
Average total loans | $282,993,000 | 1,655 |
2016-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6957% | 4,221 |
Cost of funding earning assets | 0.4690% | 2,366 |
Net interest margin | 3.2267% | 4,362 |
Noninterest income to average assets | 0.5764% | 2,778 |
Noninterest expense to average assets | 3.0310% | 2,255 |
Loan and lease loss provision to assets | 0.4205% | 355 |
Net operating income to assets | 0.1300% | 5,526 |
Return on assets (ROA) | 0.1300% | 5,556 |
Pretax return on assets | 0.1965% | 5,500 |
Return on Equity (ROE) | 1.2763% | 5,525 |
Retained earnings to average equity (ytd only) | 1.2763% | 4,775 |
Net charge-offs to loans | 0.6352% | 354 |
Credit loss provision to net charge-offs | 90.1242% | 2,794 |
Earnings coverage of net charge-offs (x) | 1.3223% | 3,998 |
Efficiency ratio | 79.7670% | 1,446 |
Assets per employee ($millions) | 8.4276% | 513 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9168% | 4,714 |
Loan loss allowance to noncurrent loans | 30.6769% | 5,068 |
Noncurrent assets plus other real estate owned to assets | 2.2992% | 545 |
Noncurrent loans to loans | 2.9887% | 459 |
Net loans and leases to total assets | 76.2245% | 1,477 |
Net loans and leases to deposits | 92.8541% | 1,319 |
Net loans and leases to core deposits | 99.5710% | 1,653 |
Total domestic deposits to total assets | 82.0906% | 4,051 |
Equity capital to assets | 10.0694% | 3,652 |
Core capital (leverage) ratio | 9.2267% | 4,443 |
Tier 1 risk-based capital ratio | 12.6122% | 4,317 |
Total risk-based capital ratio | 13.6006% | 4,363 |
Memoranda: | ||
Average total assets | $362,417,600 | 1,842 |
Average earning assets | $344,993,000 | 1,802 |
Average equity | $36,902,400 | 1,981 |
Average total loans | $266,230,800 | 1,696 |
2016-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7184% | 4,190 |
Cost of funding earning assets | 0.4671% | 2,398 |
Net interest margin | 3.2513% | 4,344 |
Noninterest income to average assets | 0.6092% | 2,612 |
Noninterest expense to average assets | 3.0608% | 2,123 |
Loan and lease loss provision to assets | 0.3918% | 379 |
Net operating income to assets | 0.1644% | 5,527 |
Return on assets (ROA) | 0.1644% | 5,582 |
Pretax return on assets | 0.2498% | 5,518 |
Return on Equity (ROE) | 1.6105% | 5,540 |
Retained earnings to average equity (ytd only) | 1.6105% | 4,865 |
Net charge-offs to loans | -0.0005% | 4,417 |
Credit loss provision to net charge-offs | -106,500.0000% | 5,486 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 79.3720% | 1,514 |
Assets per employee ($millions) | 8.1511% | 551 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3733% | 2,328 |
Loan loss allowance to noncurrent loans | 59.7137% | 4,518 |
Noncurrent assets plus other real estate owned to assets | 1.7331% | 977 |
Noncurrent loans to loans | 2.2999% | 801 |
Net loans and leases to total assets | 74.3207% | 1,811 |
Net loans and leases to deposits | 90.8091% | 1,657 |
Net loans and leases to core deposits | 97.1491% | 1,895 |
Total domestic deposits to total assets | 81.8427% | 3,981 |
Equity capital to assets | 10.2134% | 3,899 |
Core capital (leverage) ratio | 9.1452% | 4,665 |
Tier 1 risk-based capital ratio | 12.9982% | 4,164 |
Total risk-based capital ratio | 14.2528% | 4,077 |
Memoranda: | ||
Average total assets | $362,425,750 | 1,850 |
Average earning assets | $344,799,500 | 1,806 |
Average equity | $37,005,500 | 1,988 |
Average total loans | $263,093,000 | 1,719 |
2016-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5746% | 4,667 |
Cost of funding earning assets | 0.4554% | 2,517 |
Net interest margin | 3.1192% | 4,779 |
Noninterest income to average assets | 0.5967% | 2,636 |
Noninterest expense to average assets | 3.0169% | 2,287 |
Loan and lease loss provision to assets | 0.3491% | 471 |
Net operating income to assets | 0.1335% | 5,629 |
Return on assets (ROA) | 0.1335% | 5,674 |
Pretax return on assets | 0.1984% | 5,622 |
Return on Equity (ROE) | 1.3079% | 5,641 |
Retained earnings to average equity (ytd only) | 1.3079% | 4,864 |
Net charge-offs to loans | -0.0008% | 4,312 |
Credit loss provision to net charge-offs | -63,000.0000% | 5,413 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 81.1286% | 1,369 |
Assets per employee ($millions) | 8.2214% | 524 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2351% | 3,158 |
Loan loss allowance to noncurrent loans | 56.9346% | 4,651 |
Noncurrent assets plus other real estate owned to assets | 1.5942% | 1,165 |
Noncurrent loans to loans | 2.1694% | 878 |
Net loans and leases to total assets | 72.5802% | 2,073 |
Net loans and leases to deposits | 92.7850% | 1,418 |
Net loans and leases to core deposits | 103.9651% | 1,322 |
Total domestic deposits to total assets | 78.2240% | 4,955 |
Equity capital to assets | 10.1008% | 4,087 |
Core capital (leverage) ratio | 9.2553% | 4,513 |
Tier 1 risk-based capital ratio | 12.6873% | 4,394 |
Total risk-based capital ratio | 13.9393% | 4,301 |
Memoranda: | ||
Average total assets | $360,967,330 | 1,856 |
Average earning assets | $343,420,330 | 1,812 |
Average equity | $36,853,000 | 2,002 |
Average total loans | $258,655,670 | 1,748 |
2016-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5774% | 4,682 |
Cost of funding earning assets | 0.4416% | 2,674 |
Net interest margin | 3.1359% | 4,762 |
Noninterest income to average assets | 0.5330% | 2,916 |
Noninterest expense to average assets | 2.9725% | 2,471 |
Loan and lease loss provision to assets | 0.0112% | 3,543 |
Net operating income to assets | 0.3321% | 5,207 |
Return on assets (ROA) | 0.3321% | 5,291 |
Pretax return on assets | 0.5296% | 5,009 |
Return on Equity (ROE) | 3.2354% | 5,150 |
Retained earnings to average equity (ytd only) | 3.2354% | 3,879 |
Net charge-offs to loans | 0.0000% | 3,094 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 80.8049% | 1,507 |
Assets per employee ($millions) | 7.5472% | 686 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0671% | 4,247 |
Loan loss allowance to noncurrent loans | 58.0501% | 4,632 |
Noncurrent assets plus other real estate owned to assets | 1.3272% | 1,610 |
Noncurrent loans to loans | 1.8383% | 1,206 |
Net loans and leases to total assets | 71.4310% | 2,124 |
Net loans and leases to deposits | 84.6109% | 2,233 |
Net loans and leases to core deposits | 93.6374% | 2,033 |
Total domestic deposits to total assets | 84.4229% | 3,344 |
Equity capital to assets | 10.4739% | 3,531 |
Core capital (leverage) ratio | 9.4238% | 4,322 |
Tier 1 risk-based capital ratio | 13.4488% | 4,009 |
Total risk-based capital ratio | 14.5885% | 3,999 |
Memoranda: | ||
Average total assets | $356,470,000 | 1,880 |
Average earning assets | $338,791,500 | 1,835 |
Average equity | $36,595,000 | 2,008 |
Average total loans | $252,045,000 | 1,784 |
2015-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1218% | 2,840 |
Cost of funding earning assets | 0.4230% | 2,911 |
Net interest margin | 3.6988% | 2,751 |
Noninterest income to average assets | 0.5084% | 3,265 |
Noninterest expense to average assets | 3.0283% | 2,449 |
Loan and lease loss provision to assets | 0.1360% | 1,745 |
Net operating income to assets | 0.5291% | 4,586 |
Return on assets (ROA) | 0.5291% | 4,663 |
Pretax return on assets | 0.8429% | 4,052 |
Return on Equity (ROE) | 5.1541% | 4,430 |
Retained earnings to average equity (ytd only) | 5.1541% | 2,313 |
Net charge-offs to loans | 0.0380% | 3,466 |
Credit loss provision to net charge-offs | 503.2258% | 637 |
Earnings coverage of net charge-offs (x) | 36.2258% | 1,273 |
Efficiency ratio | 71.8387% | 2,932 |
Assets per employee ($millions) | 7.9604% | 565 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1001% | 4,051 |
Loan loss allowance to noncurrent loans | 135.9920% | 3,003 |
Noncurrent assets plus other real estate owned to assets | 0.5600% | 3,414 |
Noncurrent loans to loans | 0.8089% | 2,762 |
Net loans and leases to total assets | 68.4632% | 2,633 |
Net loans and leases to deposits | 81.8755% | 2,601 |
Net loans and leases to core deposits | 94.6776% | 1,976 |
Total domestic deposits to total assets | 83.6187% | 3,627 |
Equity capital to assets | 10.0600% | 3,891 |
Core capital (leverage) ratio | 9.2594% | 4,532 |
Tier 1 risk-based capital ratio | 13.8733% | 3,785 |
Total risk-based capital ratio | 15.0506% | 3,753 |
Memoranda: | ||
Average total assets | $344,184,200 | 1,899 |
Average earning assets | $325,564,200 | 1,863 |
Average equity | $35,331,000 | 2,017 |
Average total loans | $244,786,200 | 1,761 |
2015-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9776% | 3,422 |
Cost of funding earning assets | 0.4178% | 3,030 |
Net interest margin | 3.5597% | 3,305 |
Noninterest income to average assets | 0.5135% | 3,271 |
Noninterest expense to average assets | 2.9948% | 2,544 |
Loan and lease loss provision to assets | 0.0990% | 2,200 |
Net operating income to assets | 0.4912% | 4,823 |
Return on assets (ROA) | 0.4912% | 4,911 |
Pretax return on assets | 0.7839% | 4,385 |
Return on Equity (ROE) | 4.7598% | 4,731 |
Retained earnings to average equity (ytd only) | 4.7598% | 3,082 |
Net charge-offs to loans | -0.0060% | 4,858 |
Credit loss provision to net charge-offs | -2,300.0000% | 5,614 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 73.2943% | 2,670 |
Assets per employee ($millions) | 7.3894% | 723 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0496% | 4,469 |
Loan loss allowance to noncurrent loans | 88.7080% | 3,941 |
Noncurrent assets plus other real estate owned to assets | 0.8491% | 2,758 |
Noncurrent loans to loans | 1.1832% | 2,164 |
Net loans and leases to total assets | 71.0102% | 2,232 |
Net loans and leases to deposits | 83.3375% | 2,478 |
Net loans and leases to core deposits | 96.1062% | 1,866 |
Total domestic deposits to total assets | 85.2079% | 2,927 |
Equity capital to assets | 10.3346% | 3,774 |
Core capital (leverage) ratio | 9.2752% | 4,619 |
Tier 1 risk-based capital ratio | 13.2980% | 4,253 |
Total risk-based capital ratio | 14.4038% | 4,265 |
Memoranda: | ||
Average total assets | $340,675,250 | 1,932 |
Average earning assets | $321,963,250 | 1,893 |
Average equity | $35,154,500 | 2,039 |
Average total loans | $243,988,500 | 1,775 |
2015-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9869% | 3,347 |
Cost of funding earning assets | 0.4176% | 3,061 |
Net interest margin | 3.5693% | 3,215 |
Noninterest income to average assets | 0.5017% | 3,361 |
Noninterest expense to average assets | 3.0124% | 2,515 |
Loan and lease loss provision to assets | 0.0343% | 3,428 |
Net operating income to assets | 0.5153% | 4,699 |
Return on assets (ROA) | 0.5153% | 4,807 |
Pretax return on assets | 0.8237% | 4,235 |
Return on Equity (ROE) | 4.9959% | 4,618 |
Retained earnings to average equity (ytd only) | 4.9959% | 2,868 |
Net charge-offs to loans | 0.0033% | 3,788 |
Credit loss provision to net charge-offs | 1,450.0000% | 256 |
Earnings coverage of net charge-offs (x) | 363.0000% | 189 |
Efficiency ratio | 73.8015% | 2,702 |
Assets per employee ($millions) | 7.5100% | 670 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9814% | 4,957 |
Loan loss allowance to noncurrent loans | 69.7163% | 4,487 |
Noncurrent assets plus other real estate owned to assets | 1.0221% | 2,462 |
Noncurrent loans to loans | 1.4077% | 1,912 |
Net loans and leases to total assets | 71.8927% | 2,001 |
Net loans and leases to deposits | 85.0367% | 2,183 |
Net loans and leases to core deposits | 98.5795% | 1,606 |
Total domestic deposits to total assets | 84.5432% | 3,323 |
Equity capital to assets | 10.4096% | 3,552 |
Core capital (leverage) ratio | 9.1562% | 4,744 |
Tier 1 risk-based capital ratio | 13.2024% | 4,393 |
Total risk-based capital ratio | 14.2285% | 4,446 |
Memoranda: | ||
Average total assets | $338,466,670 | 1,961 |
Average earning assets | $319,446,670 | 1,924 |
Average equity | $34,908,670 | 2,061 |
Average total loans | $242,239,670 | 1,796 |
2015-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0617% | 2,988 |
Cost of funding earning assets | 0.4135% | 3,151 |
Net interest margin | 3.6482% | 2,821 |
Noninterest income to average assets | 0.5137% | 3,201 |
Noninterest expense to average assets | 2.9440% | 2,762 |
Loan and lease loss provision to assets | -0.0342% | 6,136 |
Net operating income to assets | 0.6495% | 4,049 |
Return on assets (ROA) | 0.6495% | 4,170 |
Pretax return on assets | 1.0522% | 3,291 |
Return on Equity (ROE) | 6.3267% | 3,864 |
Retained earnings to average equity (ytd only) | 6.3267% | 2,324 |
Net charge-offs to loans | 0.0066% | 3,100 |
Credit loss provision to net charge-offs | -725.0000% | 4,904 |
Earnings coverage of net charge-offs (x) | 215.5000% | 265 |
Efficiency ratio | 70.1937% | 3,456 |
Assets per employee ($millions) | 7.4863% | 676 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9546% | 5,231 |
Loan loss allowance to noncurrent loans | 66.0415% | 4,553 |
Noncurrent assets plus other real estate owned to assets | 1.0219% | 2,577 |
Noncurrent loans to loans | 1.4454% | 1,976 |
Net loans and leases to total assets | 70.0224% | 2,140 |
Net loans and leases to deposits | 82.2912% | 2,302 |
Net loans and leases to core deposits | 95.0129% | 1,693 |
Total domestic deposits to total assets | 85.0911% | 3,359 |
Equity capital to assets | 10.2427% | 3,838 |
Core capital (leverage) ratio | 9.3643% | 4,480 |
Tier 1 risk-based capital ratio | 13.2401% | 4,471 |
Total risk-based capital ratio | 14.2468% | 4,524 |
Memoranda: | ||
Average total assets | $338,726,000 | 1,967 |
Average earning assets | $320,161,500 | 1,923 |
Average equity | $34,773,500 | 2,081 |
Average total loans | $240,675,500 | 1,807 |
2014-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8283% | 4,399 |
Cost of funding earning assets | 0.3989% | 3,699 |
Net interest margin | 3.4294% | 4,071 |
Noninterest income to average assets | 0.5534% | 3,158 |
Noninterest expense to average assets | 2.8475% | 3,319 |
Loan and lease loss provision to assets | 0.1839% | 1,398 |
Net operating income to assets | 0.4477% | 5,036 |
Return on assets (ROA) | 0.5081% | 4,865 |
Pretax return on assets | 0.8208% | 4,190 |
Return on Equity (ROE) | 4.6203% | 4,833 |
Retained earnings to average equity (ytd only) | 4.6203% | 2,890 |
Net charge-offs to loans | 0.0129% | 4,636 |
Credit loss provision to net charge-offs | 2,027.5862% | 152 |
Earnings coverage of net charge-offs (x) | 100.3793% | 522 |
Efficiency ratio | 70.8521% | 3,401 |
Assets per employee ($millions) | 7.5700% | 636 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9832% | 5,145 |
Loan loss allowance to noncurrent loans | 41.8201% | 5,326 |
Noncurrent assets plus other real estate owned to assets | 1.6792% | 1,601 |
Noncurrent loans to loans | 2.3511% | 1,105 |
Net loans and leases to total assets | 70.7188% | 2,123 |
Net loans and leases to deposits | 94.2491% | 1,055 |
Net loans and leases to core deposits | 95.0734% | 1,806 |
Total domestic deposits to total assets | 75.0340% | 5,859 |
Equity capital to assets | 10.2900% | 3,739 |
Core capital (leverage) ratio | 9.2714% | 4,569 |
Tier 1 risk-based capital ratio | 12.3971% | 5,089 |
Total risk-based capital ratio | 13.3955% | 5,172 |
Memoranda: | ||
Average total assets | $319,819,400 | 2,034 |
Average earning assets | $298,824,600 | 2,003 |
Average equity | $35,171,200 | 1,988 |
Average total loans | $223,991,200 | 1,873 |
2014-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8579% | 4,338 |
Cost of funding earning assets | 0.3991% | 3,793 |
Net interest margin | 3.4588% | 3,982 |
Noninterest income to average assets | 0.5729% | 3,049 |
Noninterest expense to average assets | 2.9657% | 2,919 |
Loan and lease loss provision to assets | 0.2241% | 1,015 |
Net operating income to assets | 0.3740% | 5,349 |
Return on assets (ROA) | 0.4554% | 5,137 |
Pretax return on assets | 0.7343% | 4,576 |
Return on Equity (ROE) | 4.0720% | 5,142 |
Retained earnings to average equity (ytd only) | 4.0720% | 3,747 |
Net charge-offs to loans | 0.0109% | 4,355 |
Credit loss provision to net charge-offs | 2,955.5556% | 137 |
Earnings coverage of net charge-offs (x) | 109.6083% | 544 |
Efficiency ratio | 73.1499% | 2,967 |
Assets per employee ($millions) | 7.0179% | 800 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0006% | 5,218 |
Loan loss allowance to noncurrent loans | 45.5744% | 5,288 |
Noncurrent assets plus other real estate owned to assets | 1.5414% | 1,994 |
Noncurrent loans to loans | 2.1956% | 1,388 |
Net loans and leases to total assets | 69.4994% | 2,271 |
Net loans and leases to deposits | 89.0849% | 1,543 |
Net loans and leases to core deposits | 89.7525% | 2,253 |
Total domestic deposits to total assets | 78.0147% | 5,530 |
Equity capital to assets | 10.9657% | 2,990 |
Core capital (leverage) ratio | 10.1196% | 3,506 |
Tier 1 risk-based capital ratio | 13.6777% | 4,427 |
Total risk-based capital ratio | 14.6907% | 4,524 |
Memoranda: | ||
Average total assets | $316,504,000 | 2,071 |
Average earning assets | $295,010,000 | 2,042 |
Average equity | $35,395,500 | 1,984 |
Average total loans | $220,516,500 | 1,910 |
2014-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8394% | 4,376 |
Cost of funding earning assets | 0.4009% | 3,858 |
Net interest margin | 3.4385% | 4,021 |
Noninterest income to average assets | 0.5595% | 3,051 |
Noninterest expense to average assets | 3.0885% | 2,544 |
Loan and lease loss provision to assets | 0.2121% | 1,111 |
Net operating income to assets | 0.2767% | 5,644 |
Return on assets (ROA) | 0.4006% | 5,297 |
Pretax return on assets | 0.6460% | 4,802 |
Return on Equity (ROE) | 3.5574% | 5,319 |
Retained earnings to average equity (ytd only) | 3.5574% | 3,929 |
Net charge-offs to loans | 0.0000% | 4,375 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 77.1346% | 2,434 |
Assets per employee ($millions) | 6.5649% | 980 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9583% | 5,526 |
Loan loss allowance to noncurrent loans | 48.4272% | 5,227 |
Noncurrent assets plus other real estate owned to assets | 1.4023% | 2,334 |
Noncurrent loans to loans | 1.9789% | 1,707 |
Net loans and leases to total assets | 70.1843% | 2,047 |
Net loans and leases to deposits | 88.0436% | 1,593 |
Net loans and leases to core deposits | 88.7185% | 2,238 |
Total domestic deposits to total assets | 79.7154% | 5,303 |
Equity capital to assets | 11.3320% | 2,576 |
Core capital (leverage) ratio | 10.3027% | 3,212 |
Tier 1 risk-based capital ratio | 13.0262% | 4,892 |
Total risk-based capital ratio | 13.9335% | 5,040 |
Memoranda: | ||
Average total assets | $312,059,000 | 2,098 |
Average earning assets | $289,835,670 | 2,077 |
Average equity | $35,137,670 | 1,988 |
Average total loans | $216,837,670 | 1,925 |
2014-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7267% | 4,753 |
Cost of funding earning assets | 0.3986% | 3,986 |
Net interest margin | 3.3282% | 4,435 |
Noninterest income to average assets | 0.5217% | 3,256 |
Noninterest expense to average assets | 3.2151% | 2,181 |
Loan and lease loss provision to assets | 0.1932% | 1,224 |
Net operating income to assets | 0.1314% | 5,966 |
Return on assets (ROA) | 0.1314% | 6,000 |
Pretax return on assets | 0.2113% | 5,903 |
Return on Equity (ROE) | 1.1707% | 5,995 |
Retained earnings to average equity (ytd only) | 1.1707% | 5,133 |
Net charge-offs to loans | 0.0000% | 3,660 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 83.2028% | 1,764 |
Assets per employee ($millions) | 6.2850% | 1,125 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9162% | 5,821 |
Loan loss allowance to noncurrent loans | 73.2156% | 4,395 |
Noncurrent assets plus other real estate owned to assets | 0.8826% | 3,529 |
Noncurrent loans to loans | 1.2513% | 2,948 |
Net loans and leases to total assets | 69.8850% | 1,905 |
Net loans and leases to deposits | 84.8958% | 1,734 |
Net loans and leases to core deposits | 85.5393% | 2,363 |
Total domestic deposits to total assets | 82.3185% | 4,844 |
Equity capital to assets | 11.3853% | 2,347 |
Core capital (leverage) ratio | 10.1850% | 3,310 |
Tier 1 risk-based capital ratio | 13.2734% | 4,840 |
Total risk-based capital ratio | 14.1401% | 5,009 |
Memoranda: | ||
Average total assets | $310,530,500 | 2,108 |
Average earning assets | $289,047,000 | 2,085 |
Average equity | $34,852,000 | 1,991 |
Average total loans | $213,605,500 | 1,953 |
2013-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9141% | 4,407 |
Cost of funding earning assets | 0.4545% | 4,068 |
Net interest margin | 3.4596% | 4,059 |
Noninterest income to average assets | 0.5589% | 3,343 |
Noninterest expense to average assets | 3.1591% | 2,549 |
Loan and lease loss provision to assets | 0.2961% | 1,145 |
Net operating income to assets | 0.1825% | 5,872 |
Return on assets (ROA) | 0.1825% | 5,935 |
Pretax return on assets | 0.2951% | 5,745 |
Return on Equity (ROE) | 1.6119% | 5,954 |
Retained earnings to average equity (ytd only) | 1.6119% | 5,067 |
Net charge-offs to loans | 0.0118% | 5,218 |
Credit loss provision to net charge-offs | 3,825.0000% | 54 |
Earnings coverage of net charge-offs (x) | 76.3750% | 569 |
Efficiency ratio | 78.4830% | 2,388 |
Assets per employee ($millions) | 6.3897% | 1,041 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8629% | 6,029 |
Loan loss allowance to noncurrent loans | 65.0395% | 4,664 |
Noncurrent assets plus other real estate owned to assets | 0.8898% | 3,666 |
Noncurrent loans to loans | 1.3267% | 2,916 |
Net loans and leases to total assets | 66.4932% | 2,614 |
Net loans and leases to deposits | 80.0781% | 2,447 |
Net loans and leases to core deposits | 80.6689% | 3,048 |
Total domestic deposits to total assets | 83.0355% | 4,535 |
Equity capital to assets | 11.0641% | 2,557 |
Core capital (leverage) ratio | 9.7652% | 3,888 |
Tier 1 risk-based capital ratio | 13.5373% | 4,626 |
Total risk-based capital ratio | 14.3620% | 4,848 |
Memoranda: | ||
Average total assets | $310,060,000 | 2,080 |
Average earning assets | $286,014,400 | 2,068 |
Average equity | $35,113,000 | 1,963 |
Average total loans | $202,729,800 | 1,983 |
2013-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0191% | 4,058 |
Cost of funding earning assets | 0.4542% | 4,233 |
Net interest margin | 3.5650% | 3,599 |
Noninterest income to average assets | 0.5591% | 3,397 |
Noninterest expense to average assets | 3.2653% | 2,161 |
Loan and lease loss provision to assets | 0.2479% | 1,443 |
Net operating income to assets | 0.2009% | 5,911 |
Return on assets (ROA) | 0.2009% | 5,991 |
Pretax return on assets | 0.3246% | 5,810 |
Return on Equity (ROE) | 1.7636% | 6,010 |
Retained earnings to average equity (ytd only) | 1.7636% | 5,256 |
Net charge-offs to loans | 0.0013% | 5,197 |
Credit loss provision to net charge-offs | 28,750.0000% | 5 |
Earnings coverage of net charge-offs (x) | 663.1536% | 82 |
Efficiency ratio | 79.4227% | 2,199 |
Assets per employee ($millions) | 6.0490% | 1,208 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.7336% | 6,396 |
Loan loss allowance to noncurrent loans | 51.4128% | 5,169 |
Noncurrent assets plus other real estate owned to assets | 1.0243% | 3,595 |
Noncurrent loans to loans | 1.4268% | 3,025 |
Net loans and leases to total assets | 64.1868% | 2,973 |
Net loans and leases to deposits | 77.5193% | 2,732 |
Net loans and leases to core deposits | 78.0890% | 3,353 |
Total domestic deposits to total assets | 82.8011% | 4,652 |
Equity capital to assets | 11.0628% | 2,707 |
Core capital (leverage) ratio | 9.8551% | 3,883 |
Tier 1 risk-based capital ratio | 13.6120% | 4,681 |
Total risk-based capital ratio | 14.3030% | 5,042 |
Memoranda: | ||
Average total assets | $309,301,250 | 2,092 |
Average earning assets | $284,465,750 | 2,093 |
Average equity | $35,231,000 | 1,972 |
Average total loans | $200,912,500 | 2,000 |
2013-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0830% | 3,804 |
Cost of funding earning assets | 0.4619% | 4,290 |
Net interest margin | 3.6211% | 3,278 |
Noninterest income to average assets | 0.5827% | 3,303 |
Noninterest expense to average assets | 3.3776% | 1,875 |
Loan and lease loss provision to assets | 0.0884% | 3,308 |
Net operating income to assets | 0.2699% | 5,717 |
Return on assets (ROA) | 0.2699% | 5,854 |
Pretax return on assets | 0.4357% | 5,560 |
Return on Equity (ROE) | 2.3463% | 5,848 |
Retained earnings to average equity (ytd only) | 2.3463% | 4,798 |
Net charge-offs to loans | -0.0020% | 5,530 |
Credit loss provision to net charge-offs | -6,800.0000% | 6,251 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 80.8833% | 2,039 |
Assets per employee ($millions) | 5.4309% | 1,656 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.5393% | 6,673 |
Loan loss allowance to noncurrent loans | 25.4048% | 6,171 |
Noncurrent assets plus other real estate owned to assets | 1.4862% | 2,875 |
Noncurrent loans to loans | 2.1227% | 2,256 |
Net loans and leases to total assets | 64.7066% | 2,806 |
Net loans and leases to deposits | 78.3160% | 2,529 |
Net loans and leases to core deposits | 78.7539% | 3,197 |
Total domestic deposits to total assets | 82.6224% | 4,848 |
Equity capital to assets | 11.5146% | 2,275 |
Core capital (leverage) ratio | 10.0155% | 3,485 |
Tier 1 risk-based capital ratio | 13.8023% | 4,563 |
Total risk-based capital ratio | 14.3076% | 5,042 |
Memoranda: | ||
Average total assets | $307,552,000 | 2,103 |
Average earning assets | $281,903,330 | 2,115 |
Average equity | $35,375,330 | 1,965 |
Average total loans | $200,086,330 | 2,012 |
2013-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9068% | 4,447 |
Cost of funding earning assets | 0.4646% | 4,433 |
Net interest margin | 3.4422% | 3,952 |
Noninterest income to average assets | 0.5290% | 3,579 |
Noninterest expense to average assets | 3.3939% | 1,849 |
Loan and lease loss provision to assets | 0.1423% | 2,463 |
Net operating income to assets | 0.0815% | 6,181 |
Return on assets (ROA) | 0.0815% | 6,270 |
Pretax return on assets | 0.1358% | 6,200 |
Return on Equity (ROE) | 0.7088% | 6,277 |
Retained earnings to average equity (ytd only) | 0.7088% | 5,542 |
Net charge-offs to loans | -0.0040% | 5,224 |
Credit loss provision to net charge-offs | -5,500.0000% | 5,890 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 86.1923% | 1,488 |
Assets per employee ($millions) | 5.4381% | 1,722 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.5202% | 6,773 |
Loan loss allowance to noncurrent loans | 14.9407% | 6,441 |
Noncurrent assets plus other real estate owned to assets | 2.4139% | 1,926 |
Noncurrent loans to loans | 3.4821% | 1,381 |
Net loans and leases to total assets | 65.6786% | 2,430 |
Net loans and leases to deposits | 79.0637% | 2,204 |
Net loans and leases to core deposits | 79.6620% | 2,850 |
Total domestic deposits to total assets | 83.0705% | 4,834 |
Equity capital to assets | 11.6874% | 2,264 |
Core capital (leverage) ratio | 9.8387% | 3,613 |
Tier 1 risk-based capital ratio | 13.5063% | 4,868 |
Total risk-based capital ratio | 13.9980% | 5,351 |
Memoranda: | ||
Average total assets | $309,264,000 | 2,128 |
Average earning assets | $282,381,000 | 2,136 |
Average equity | $35,553,500 | 1,983 |
Average total loans | $201,200,500 | 2,021 |
2012-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6441% | 2,831 |
Cost of funding earning assets | 0.5593% | 4,734 |
Net interest margin | 4.0848% | 2,061 |
Noninterest income to average assets | 0.5319% | 3,698 |
Noninterest expense to average assets | 3.2568% | 2,458 |
Loan and lease loss provision to assets | 0.1401% | 3,859 |
Net operating income to assets | 0.5204% | 4,598 |
Return on assets (ROA) | 0.5204% | 4,869 |
Pretax return on assets | 0.8093% | 4,260 |
Return on Equity (ROE) | 4.4661% | 4,951 |
Retained earnings to average equity (ytd only) | 4.4661% | 3,092 |
Net charge-offs to loans | -0.0626% | 6,742 |
Credit loss provision to net charge-offs | -333.8710% | 6,465 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 71.4366% | 3,528 |
Assets per employee ($millions) | 5.5087% | 1,680 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.4639% | 6,860 |
Loan loss allowance to noncurrent loans | 12.6902% | 6,524 |
Noncurrent assets plus other real estate owned to assets | 2.4800% | 1,970 |
Noncurrent loans to loans | 3.6555% | 1,341 |
Net loans and leases to total assets | 63.8252% | 2,928 |
Net loans and leases to deposits | 80.2226% | 2,252 |
Net loans and leases to core deposits | 80.7546% | 2,909 |
Total domestic deposits to total assets | 79.5602% | 5,769 |
Equity capital to assets | 11.3107% | 2,621 |
Core capital (leverage) ratio | 9.7208% | 3,774 |
Tier 1 risk-based capital ratio | 13.1900% | 4,971 |
Total risk-based capital ratio | 13.6231% | 5,511 |
Memoranda: | ||
Average total assets | $295,564,200 | 2,168 |
Average earning assets | $265,864,600 | 2,189 |
Average equity | $34,437,400 | 2,012 |
Average total loans | $198,151,400 | 2,019 |
2012-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7789% | 2,464 |
Cost of funding earning assets | 0.5743% | 4,875 |
Net interest margin | 4.2046% | 1,724 |
Noninterest income to average assets | 0.3886% | 4,725 |
Noninterest expense to average assets | 3.2329% | 2,475 |
Loan and lease loss provision to assets | 0.0807% | 4,626 |
Net operating income to assets | 0.5320% | 4,698 |
Return on assets (ROA) | 0.5320% | 4,971 |
Pretax return on assets | 0.8560% | 4,274 |
Return on Equity (ROE) | 4.5304% | 5,032 |
Retained earnings to average equity (ytd only) | 4.5304% | 3,710 |
Net charge-offs to loans | -0.0824% | 6,814 |
Credit loss provision to net charge-offs | -144.2623% | 6,285 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 71.3595% | 3,438 |
Assets per employee ($millions) | 4.6169% | 2,725 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.3490% | 7,041 |
Loan loss allowance to noncurrent loans | 13.1138% | 6,622 |
Noncurrent assets plus other real estate owned to assets | 1.9800% | 2,676 |
Noncurrent loans to loans | 2.6614% | 2,129 |
Net loans and leases to total assets | 66.3151% | 2,591 |
Net loans and leases to deposits | 82.3839% | 2,066 |
Net loans and leases to core deposits | 83.0374% | 2,817 |
Total domestic deposits to total assets | 80.4952% | 5,515 |
Equity capital to assets | 11.7029% | 2,532 |
Core capital (leverage) ratio | 9.7233% | 3,914 |
Tier 1 risk-based capital ratio | 13.3967% | 4,951 |
Total risk-based capital ratio | 13.7320% | 5,622 |
Memoranda: | ||
Average total assets | $290,956,500 | 2,223 |
Average earning assets | $261,642,750 | 2,242 |
Average equity | $34,168,000 | 2,043 |
Average total loans | $197,353,750 | 2,051 |
2012-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2893% | 4,614 |
Cost of funding earning assets | 0.5793% | 5,080 |
Net interest margin | 3.7100% | 3,770 |
Noninterest income to average assets | 0.6176% | 3,147 |
Noninterest expense to average assets | 3.6213% | 1,537 |
Loan and lease loss provision to assets | -0.0153% | 7,035 |
Net operating income to assets | 0.1980% | 5,922 |
Return on assets (ROA) | 0.1980% | 6,106 |
Pretax return on assets | 0.3439% | 5,845 |
Return on Equity (ROE) | 1.6839% | 6,140 |
Retained earnings to average equity (ytd only) | 1.6839% | 5,356 |
Net charge-offs to loans | -0.0834% | 6,818 |
Credit loss provision to net charge-offs | 26.8293% | 4,488 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 85.0158% | 1,533 |
Assets per employee ($millions) | 4.5160% | 2,876 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.2412% | 7,136 |
Loan loss allowance to noncurrent loans | 13.6724% | 6,665 |
Noncurrent assets plus other real estate owned to assets | 1.3514% | 3,733 |
Noncurrent loans to loans | 1.7639% | 3,256 |
Net loans and leases to total assets | 64.5325% | 2,926 |
Net loans and leases to deposits | 79.8951% | 2,396 |
Net loans and leases to core deposits | 80.5296% | 3,141 |
Total domestic deposits to total assets | 80.7715% | 5,540 |
Equity capital to assets | 11.4345% | 2,654 |
Core capital (leverage) ratio | 9.8226% | 3,681 |
Tier 1 risk-based capital ratio | 13.2277% | 5,017 |
Total risk-based capital ratio | 13.4578% | 5,774 |
Memoranda: | ||
Average total assets | $287,910,000 | 2,252 |
Average earning assets | $258,595,000 | 2,272 |
Average equity | $33,850,670 | 2,045 |
Average total loans | $196,569,670 | 2,056 |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1594% | 5,247 |
Cost of funding earning assets | 0.5913% | 5,204 |
Net interest margin | 3.5681% | 4,401 |
Noninterest income to average assets | 0.5982% | 3,242 |
Noninterest expense to average assets | 3.9330% | 1,015 |
Loan and lease loss provision to assets | -0.0368% | 7,134 |
Net operating income to assets | -0.0636% | 6,493 |
Return on assets (ROA) | -0.0636% | 6,588 |
Pretax return on assets | -0.0976% | 6,600 |
Return on Equity (ROE) | -0.5336% | 6,588 |
Retained earnings to average equity (ytd only) | -0.5336% | 6,084 |
Net charge-offs to loans | -0.0806% | 6,714 |
Credit loss provision to net charge-offs | 65.0000% | 3,016 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 96.2398% | 706 |
Assets per employee ($millions) | 4.2252% | 3,531 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.2121% | 7,201 |
Loan loss allowance to noncurrent loans | 10.3151% | 6,748 |
Noncurrent assets plus other real estate owned to assets | 3.7218% | 1,512 |
Noncurrent loans to loans | 2.0561% | 3,083 |
Net loans and leases to total assets | 69.6407% | 1,815 |
Net loans and leases to deposits | 86.0533% | 1,415 |
Net loans and leases to core deposits | 86.7722% | 2,203 |
Total domestic deposits to total assets | 80.9274% | 5,625 |
Equity capital to assets | 11.9190% | 2,100 |
Core capital (leverage) ratio | 9.9547% | 3,422 |
Tier 1 risk-based capital ratio | 13.6963% | 4,681 |
Total risk-based capital ratio | 13.9132% | 5,438 |
Memoranda: | ||
Average total assets | $282,838,500 | 2,295 |
Average earning assets | $253,691,500 | 2,335 |
Average equity | $33,735,500 | 2,052 |
Average total loans | $198,451,500 | 2,049 |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8747% | 6,647 |
Cost of funding earning assets | 0.5236% | 6,443 |
Net interest margin | 3.3511% | 5,647 |
Noninterest income to average assets | 0.5990% | 3,168 |
Noninterest expense to average assets | 3.0906% | 3,232 |
Loan and lease loss provision to assets | 0.1548% | 4,690 |
Net operating income to assets | 0.2059% | 5,573 |
Return on assets (ROA) | 0.2059% | 5,706 |
Pretax return on assets | 0.3486% | 5,429 |
Return on Equity (ROE) | 1.7480% | 5,752 |
Retained earnings to average equity (ytd only) | 1.7480% | 4,973 |
Net charge-offs to loans | 0.0000% | 6,441 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 79.1489% | 2,420 |
Assets per employee ($millions) | 4.0370% | 3,771 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.2032% | 7,257 |
Loan loss allowance to noncurrent loans | 10.8666% | 6,808 |
Noncurrent assets plus other real estate owned to assets | 1.5542% | 3,617 |
Noncurrent loans to loans | 1.8697% | 3,387 |
Net loans and leases to total assets | 70.3971% | 1,949 |
Net loans and leases to deposits | 88.9155% | 1,275 |
Net loans and leases to core deposits | 89.6754% | 2,171 |
Total domestic deposits to total assets | 79.1731% | 5,953 |
Equity capital to assets | 11.9360% | 2,177 |
Core capital (leverage) ratio | 9.3365% | 4,275 |
Tier 1 risk-based capital ratio | 12.9495% | 5,106 |
Total risk-based capital ratio | 13.1608% | 5,873 |
Memoranda: | ||
Average total assets | $273,959,800 | 2,309 |
Average earning assets | $244,847,200 | 2,348 |
Average equity | $32,266,200 | 2,066 |
Average total loans | $203,582,800 | 2,007 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6795% | 6,949 |
Cost of funding earning assets | 0.4844% | 6,765 |
Net interest margin | 3.1951% | 6,171 |
Noninterest income to average assets | 0.5636% | 3,419 |
Noninterest expense to average assets | 2.8976% | 3,940 |
Loan and lease loss provision to assets | 0.1761% | 4,276 |
Net operating income to assets | 0.2021% | 5,699 |
Return on assets (ROA) | 0.2021% | 5,826 |
Pretax return on assets | 0.3434% | 5,613 |
Return on Equity (ROE) | 1.7220% | 5,866 |
Retained earnings to average equity (ytd only) | 1.7220% | 5,282 |
Net charge-offs to loans | 0.0000% | 6,185 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 78.0218% | 2,544 |
Assets per employee ($millions) | 3.9932% | 3,860 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.1633% | 7,342 |
Loan loss allowance to noncurrent loans | 10.3501% | 6,894 |
Noncurrent assets plus other real estate owned to assets | 1.4285% | 3,979 |
Noncurrent loans to loans | 1.5774% | 3,932 |
Net loans and leases to total assets | 74.7921% | 1,182 |
Net loans and leases to deposits | 94.6558% | 783 |
Net loans and leases to core deposits | 95.7247% | 1,635 |
Total domestic deposits to total assets | 79.0149% | 5,982 |
Equity capital to assets | 12.1833% | 2,115 |
Core capital (leverage) ratio | 9.4402% | 4,243 |
Tier 1 risk-based capital ratio | 12.5831% | 5,420 |
Total risk-based capital ratio | 12.7825% | 6,212 |
Memoranda: | ||
Average total assets | $271,802,000 | 2,342 |
Average earning assets | $242,744,000 | 2,380 |
Average equity | $31,900,250 | 2,081 |
Average total loans | $204,643,250 | 2,021 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.1879% | 7,287 |
Cost of funding earning assets | 0.4067% | 7,109 |
Net interest margin | 2.7813% | 6,943 |
Noninterest income to average assets | 0.5056% | 3,817 |
Noninterest expense to average assets | 2.4993% | 5,539 |
Loan and lease loss provision to assets | 0.1064% | 4,972 |
Net operating income to assets | 0.2277% | 5,637 |
Return on assets (ROA) | 0.2277% | 5,755 |
Pretax return on assets | 0.3873% | 5,430 |
Return on Equity (ROE) | 1.9653% | 5,798 |
Retained earnings to average equity (ytd only) | 1.9653% | 4,995 |
Net charge-offs to loans | 0.0000% | 5,875 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 76.8585% | 2,881 |
Assets per employee ($millions) | 3.9956% | 3,764 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.0739% | 7,431 |
Loan loss allowance to noncurrent loans | 4.0839% | 6,992 |
Noncurrent assets plus other real estate owned to assets | 1.6021% | 3,796 |
Noncurrent loans to loans | 1.8089% | 3,739 |
Net loans and leases to total assets | 74.6772% | 1,289 |
Net loans and leases to deposits | 93.9900% | 872 |
Net loans and leases to core deposits | 94.9480% | 1,804 |
Total domestic deposits to total assets | 79.4523% | 5,963 |
Equity capital to assets | 12.3097% | 1,897 |
Core capital (leverage) ratio | 9.4101% | 4,092 |
Tier 1 risk-based capital ratio | 12.6370% | 5,231 |
Total risk-based capital ratio | 12.7428% | 6,161 |
Memoranda: | ||
Average total assets | $270,558,330 | 2,359 |
Average earning assets | $241,977,000 | 2,408 |
Average equity | $31,344,000 | 2,108 |
Average total loans | $204,053,000 | 2,045 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 1.5806% | 7,527 |
Cost of funding earning assets | 0.2064% | 7,475 |
Net interest margin | 1.3741% | 7,511 |
Noninterest income to average assets | 0.2593% | 5,817 |
Noninterest expense to average assets | 1.2741% | 7,470 |
Loan and lease loss provision to assets | 0.0415% | 5,467 |
Net operating income to assets | 0.1022% | 6,091 |
Return on assets (ROA) | 0.1022% | 6,144 |
Pretax return on assets | 0.1763% | 5,995 |
Return on Equity (ROE) | 0.9111% | 6,161 |
Retained earnings to average equity (ytd only) | 0.9111% | 5,466 |
Net charge-offs to loans | 0.0000% | 5,107 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 79.9404% | 2,547 |
Assets per employee ($millions) | 3.9949% | 3,845 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.0138% | 7,501 |
Loan loss allowance to noncurrent loans | 1.0208% | 7,068 |
Noncurrent assets plus other real estate owned to assets | 1.1669% | 4,608 |
Noncurrent loans to loans | 1.3507% | 4,457 |
Net loans and leases to total assets | 74.7484% | 1,229 |
Net loans and leases to deposits | 92.9957% | 919 |
Net loans and leases to core deposits | 94.2382% | 1,860 |
Total domestic deposits to total assets | 80.3783% | 5,845 |
Equity capital to assets | 12.1927% | 1,798 |
Core capital (leverage) ratio | 9.1526% | 4,371 |
Tier 1 risk-based capital ratio | 12.3695% | 5,376 |
Total risk-based capital ratio | 12.4166% | 6,349 |
Memoranda: | ||
Average total assets | $269,985,500 | 2,390 |
Average earning assets | $242,192,500 | 2,425 |
Average equity | $30,293,000 | 2,158 |
Average total loans | $204,554,000 | 2,058 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.4701% | 2,403 |
Cost of funding earning assets | 0.9877% | 5,752 |
Net interest margin | 4.4824% | 1,270 |
Noninterest income to average assets | 0.8267% | 2,158 |
Noninterest expense to average assets | 4.1368% | 975 |
Loan and lease loss provision to assets | 0.3931% | 3,757 |
Net operating income to assets | 0.1599% | 5,404 |
Return on assets (ROA) | 0.1599% | 5,564 |
Pretax return on assets | 0.3157% | 5,188 |
Return on Equity (ROE) | 1.5433% | 5,546 |
Retained earnings to average equity (ytd only) | 1.5433% | 4,765 |
Net charge-offs to loans | 1.4534% | 1,523 |
Credit loss provision to net charge-offs | 34.6918% | 6,451 |
Earnings coverage of net charge-offs (x) | 0.6255% | 5,484 |
Efficiency ratio | 84.0016% | 1,921 |
Assets per employee ($millions) | 3.8331% | 4,170 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2042% | 5,492 |
Loan loss allowance to noncurrent loans | 72.3535% | 3,830 |
Noncurrent assets plus other real estate owned to assets | 1.4371% | 4,181 |
Noncurrent loans to loans | 1.6644% | 4,004 |
Net loans and leases to total assets | 75.8588% | 1,301 |
Net loans and leases to deposits | 92.4527% | 1,214 |
Net loans and leases to core deposits | 93.7934% | 2,283 |
Total domestic deposits to total assets | 82.0515% | 5,171 |
Equity capital to assets | 10.2357% | 3,457 |
Core capital (leverage) ratio | 9.0489% | 4,454 |
Tier 1 risk-based capital ratio | 12.1567% | 5,330 |
Total risk-based capital ratio | 13.4070% | 5,311 |
Memoranda: | ||
Average total assets | $261,989,800 | 2,433 |
Average earning assets | $234,895,400 | 2,482 |
Average equity | $27,150,000 | 2,365 |
Average total loans | $204,283,000 | 2,119 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.5098% | 2,394 |
Cost of funding earning assets | 1.0161% | 5,863 |
Net interest margin | 4.4937% | 1,267 |
Noninterest income to average assets | 0.8499% | 1,999 |
Noninterest expense to average assets | 4.0392% | 1,005 |
Loan and lease loss provision to assets | 0.4869% | 3,041 |
Net operating income to assets | 0.2089% | 5,486 |
Return on assets (ROA) | 0.2089% | 5,648 |
Pretax return on assets | 0.3430% | 5,394 |
Return on Equity (ROE) | 2.0095% | 5,602 |
Retained earnings to average equity (ytd only) | 2.0095% | 4,951 |
Net charge-offs to loans | 1.8752% | 1,023 |
Credit loss provision to net charge-offs | 33.1706% | 6,121 |
Earnings coverage of net charge-offs (x) | 0.5654% | 5,451 |
Efficiency ratio | 81.5563% | 2,121 |
Assets per employee ($millions) | 3.7908% | 4,293 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2252% | 5,368 |
Loan loss allowance to noncurrent loans | 60.7030% | 4,286 |
Noncurrent assets plus other real estate owned to assets | 1.8172% | 3,725 |
Noncurrent loans to loans | 2.0184% | 3,653 |
Net loans and leases to total assets | 76.0736% | 1,394 |
Net loans and leases to deposits | 93.0541% | 1,324 |
Net loans and leases to core deposits | 94.3153% | 2,480 |
Total domestic deposits to total assets | 81.7520% | 5,096 |
Equity capital to assets | 10.3778% | 3,669 |
Core capital (leverage) ratio | 8.9303% | 4,801 |
Tier 1 risk-based capital ratio | 11.8614% | 5,582 |
Total risk-based capital ratio | 13.1122% | 5,557 |
Memoranda: | ||
Average total assets | $260,408,000 | 2,483 |
Average earning assets | $232,910,500 | 2,533 |
Average equity | $27,071,500 | 2,402 |
Average total loans | $203,848,000 | 2,153 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.5210% | 2,438 |
Cost of funding earning assets | 1.0490% | 5,919 |
Net interest margin | 4.4720% | 1,265 |
Noninterest income to average assets | 0.8170% | 2,031 |
Noninterest expense to average assets | 4.0802% | 945 |
Loan and lease loss provision to assets | 0.6353% | 2,257 |
Net operating income to assets | 0.0332% | 6,030 |
Return on assets (ROA) | 0.0332% | 6,124 |
Pretax return on assets | 0.0819% | 6,015 |
Return on Equity (ROE) | 0.3195% | 6,127 |
Retained earnings to average equity (ytd only) | 0.3195% | 5,632 |
Net charge-offs to loans | 2.8310% | 577 |
Credit loss provision to net charge-offs | 28.5120% | 5,761 |
Earnings coverage of net charge-offs (x) | 0.3219% | 5,406 |
Efficiency ratio | 83.5669% | 1,972 |
Assets per employee ($millions) | 3.6439% | 4,603 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1522% | 5,677 |
Loan loss allowance to noncurrent loans | 48.2314% | 5,079 |
Noncurrent assets plus other real estate owned to assets | 2.2656% | 3,178 |
Noncurrent loans to loans | 2.3890% | 3,269 |
Net loans and leases to total assets | 77.1363% | 1,269 |
Net loans and leases to deposits | 94.3425% | 1,232 |
Net loans and leases to core deposits | 95.6308% | 2,484 |
Total domestic deposits to total assets | 81.7620% | 5,084 |
Equity capital to assets | 10.3236% | 3,622 |
Core capital (leverage) ratio | 8.8871% | 4,776 |
Tier 1 risk-based capital ratio | 11.3405% | 5,913 |
Total risk-based capital ratio | 12.5289% | 5,951 |
Memoranda: | ||
Average total assets | $258,759,000 | 2,521 |
Average earning assets | $230,321,670 | 2,582 |
Average equity | $26,916,000 | 2,415 |
Average total loans | $203,674,330 | 2,182 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.5555% | 2,343 |
Cost of funding earning assets | 1.0913% | 5,952 |
Net interest margin | 4.4641% | 1,224 |
Noninterest income to average assets | 0.7597% | 2,236 |
Noninterest expense to average assets | 4.2668% | 746 |
Loan and lease loss provision to assets | 0.6740% | 1,884 |
Net operating income to assets | -0.2070% | 6,551 |
Return on assets (ROA) | -0.2070% | 6,619 |
Pretax return on assets | -0.2397% | 6,592 |
Return on Equity (ROE) | -1.9827% | 6,637 |
Retained earnings to average equity (ytd only) | -1.9827% | 6,211 |
Net charge-offs to loans | 1.0534% | 1,578 |
Credit loss provision to net charge-offs | 80.9346% | 3,855 |
Earnings coverage of net charge-offs (x) | 0.5215% | 4,570 |
Efficiency ratio | 89.1060% | 1,497 |
Assets per employee ($millions) | 3.6222% | 4,766 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1208% | 1,912 |
Loan loss allowance to noncurrent loans | 49.6037% | 5,018 |
Noncurrent assets plus other real estate owned to assets | 4.9304% | 1,318 |
Noncurrent loans to loans | 4.2754% | 1,785 |
Net loans and leases to total assets | 77.4907% | 1,250 |
Net loans and leases to deposits | 94.2858% | 1,318 |
Net loans and leases to core deposits | 94.9339% | 2,712 |
Total domestic deposits to total assets | 82.1870% | 4,990 |
Equity capital to assets | 10.4243% | 3,320 |
Core capital (leverage) ratio | 8.9706% | 4,619 |
Tier 1 risk-based capital ratio | 11.0623% | 6,102 |
Total risk-based capital ratio | 12.3234% | 6,060 |
Memoranda: | ||
Average total assets | $256,959,000 | 2,587 |
Average earning assets | $226,875,500 | 2,667 |
Average equity | $26,831,500 | 2,447 |
Average total loans | $203,145,000 | 2,237 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.7026% | 3,097 |
Cost of funding earning assets | 1.5735% | 5,164 |
Net interest margin | 4.1291% | 2,319 |
Noninterest income to average assets | 1.3407% | 830 |
Noninterest expense to average assets | 4.3762% | 901 |
Loan and lease loss provision to assets | 1.0883% | 2,100 |
Net operating income to assets | -0.2758% | 5,940 |
Return on assets (ROA) | -0.2231% | 5,863 |
Pretax return on assets | -0.3764% | 5,894 |
Return on Equity (ROE) | -2.2254% | 5,892 |
Retained earnings to average equity (ytd only) | -2.2254% | 5,569 |
Net charge-offs to loans | 0.3262% | 4,607 |
Credit loss provision to net charge-offs | 436.2170% | 719 |
Earnings coverage of net charge-offs (x) | 2.5235% | 3,862 |
Efficiency ratio | 83.4186% | 2,426 |
Assets per employee ($millions) | 3.3782% | 5,311 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1807% | 1,682 |
Loan loss allowance to noncurrent loans | 45.4967% | 5,368 |
Noncurrent assets plus other real estate owned to assets | 5.1383% | 1,177 |
Noncurrent loans to loans | 4.7932% | 1,443 |
Net loans and leases to total assets | 77.2233% | 1,542 |
Net loans and leases to deposits | 94.6029% | 1,514 |
Net loans and leases to core deposits | 104.2074% | 3,549 |
Total domestic deposits to total assets | 81.6289% | 5,095 |
Equity capital to assets | 10.4596% | 3,228 |
Core capital (leverage) ratio | 8.4776% | 5,308 |
Tier 1 risk-based capital ratio | 11.0788% | 5,846 |
Total risk-based capital ratio | 12.3408% | 5,790 |
Memoranda: | ||
Average total assets | $273,367,800 | 2,394 |
Average earning assets | $242,645,000 | 2,477 |
Average equity | $27,411,000 | 2,418 |
Average total loans | $209,099,200 | 2,210 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.6989% | 3,341 |
Cost of funding earning assets | 1.6434% | 5,193 |
Net interest margin | 4.0555% | 2,570 |
Noninterest income to average assets | 1.3202% | 888 |
Noninterest expense to average assets | 4.2662% | 954 |
Loan and lease loss provision to assets | 0.3651% | 4,131 |
Net operating income to assets | 0.1954% | 5,176 |
Return on assets (ROA) | 0.2657% | 5,024 |
Pretax return on assets | 0.4084% | 4,783 |
Return on Equity (ROE) | 2.6762% | 4,926 |
Retained earnings to average equity (ytd only) | 2.6762% | 3,831 |
Net charge-offs to loans | 0.3170% | 4,058 |
Credit loss provision to net charge-offs | 151.6966% | 3,159 |
Earnings coverage of net charge-offs (x) | 2.7645% | 3,850 |
Efficiency ratio | 84.8807% | 2,198 |
Assets per employee ($millions) | 3.3962% | 5,172 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1658% | 5,320 |
Loan loss allowance to noncurrent loans | 142.7887% | 1,987 |
Noncurrent assets plus other real estate owned to assets | 1.9971% | 3,350 |
Noncurrent loans to loans | 0.8165% | 5,668 |
Net loans and leases to total assets | 74.4506% | 2,397 |
Net loans and leases to deposits | 91.3876% | 2,337 |
Net loans and leases to core deposits | 102.5813% | 4,097 |
Total domestic deposits to total assets | 81.4669% | 4,892 |
Equity capital to assets | 10.3468% | 3,683 |
Core capital (leverage) ratio | 8.3175% | 5,805 |
Tier 1 risk-based capital ratio | 11.0635% | 5,888 |
Total risk-based capital ratio | 12.2687% | 5,899 |
Memoranda: | ||
Average total assets | $277,524,750 | 2,382 |
Average earning assets | $247,130,250 | 2,448 |
Average equity | $27,550,250 | 2,433 |
Average total loans | $210,703,250 | 2,207 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.7476% | 3,307 |
Cost of funding earning assets | 1.7170% | 5,187 |
Net interest margin | 4.0306% | 2,577 |
Noninterest income to average assets | 1.2874% | 921 |
Noninterest expense to average assets | 4.4477% | 815 |
Loan and lease loss provision to assets | 0.2075% | 4,971 |
Net operating income to assets | 0.1403% | 5,451 |
Return on assets (ROA) | 0.2333% | 5,235 |
Pretax return on assets | 0.3743% | 5,003 |
Return on Equity (ROE) | 2.3828% | 5,144 |
Retained earnings to average equity (ytd only) | 2.3828% | 4,006 |
Net charge-offs to loans | 0.0470% | 5,816 |
Credit loss provision to net charge-offs | 580.0000% | 802 |
Earnings coverage of net charge-offs (x) | 12.2000% | 1,837 |
Efficiency ratio | 89.4359% | 1,868 |
Assets per employee ($millions) | 3.5717% | 4,638 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1070% | 5,552 |
Loan loss allowance to noncurrent loans | 140.5582% | 2,099 |
Noncurrent assets plus other real estate owned to assets | 1.2599% | 4,418 |
Noncurrent loans to loans | 0.7876% | 5,659 |
Net loans and leases to total assets | 74.9392% | 2,452 |
Net loans and leases to deposits | 95.1805% | 1,923 |
Net loans and leases to core deposits | 107.1777% | 3,705 |
Total domestic deposits to total assets | 78.7338% | 5,886 |
Equity capital to assets | 9.8010% | 4,215 |
Core capital (leverage) ratio | 8.1827% | 6,005 |
Tier 1 risk-based capital ratio | 10.4857% | 6,393 |
Total risk-based capital ratio | 11.6440% | 6,425 |
Memoranda: | ||
Average total assets | $279,467,330 | 2,379 |
Average earning assets | $249,392,330 | 2,445 |
Average equity | $27,363,000 | 2,443 |
Average total loans | $212,715,670 | 2,223 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.8749% | 2,916 |
Cost of funding earning assets | 1.8115% | 5,062 |
Net interest margin | 4.0634% | 2,418 |
Noninterest income to average assets | 1.2470% | 920 |
Noninterest expense to average assets | 4.4859% | 717 |
Loan and lease loss provision to assets | 0.0460% | 6,398 |
Net operating income to assets | 0.2244% | 5,585 |
Return on assets (ROA) | 0.2244% | 5,744 |
Pretax return on assets | 0.3380% | 5,560 |
Return on Equity (ROE) | 2.2927% | 5,666 |
Retained earnings to average equity (ytd only) | 2.2927% | 4,598 |
Net charge-offs to loans | -0.0867% | 7,840 |
Credit loss provision to net charge-offs | -69.5652% | 6,192 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 90.4607% | 1,687 |
Assets per employee ($millions) | 3.1209% | 5,837 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0593% | 5,754 |
Loan loss allowance to noncurrent loans | 79.7468% | 3,679 |
Noncurrent assets plus other real estate owned to assets | 4.0905% | 1,246 |
Noncurrent loans to loans | 1.3283% | 4,323 |
Net loans and leases to total assets | 74.9934% | 2,504 |
Net loans and leases to deposits | 96.4227% | 1,884 |
Net loans and leases to core deposits | 109.8372% | 3,455 |
Total domestic deposits to total assets | 77.7756% | 6,086 |
Equity capital to assets | 9.9783% | 4,027 |
Core capital (leverage) ratio | 8.0976% | 6,296 |
Tier 1 risk-based capital ratio | 10.2818% | 6,607 |
Total risk-based capital ratio | 11.3570% | 6,716 |
Memoranda: | ||
Average total assets | $278,118,000 | 2,399 |
Average earning assets | $247,970,000 | 2,464 |
Average equity | $27,217,000 | 2,473 |
Average total loans | $212,163,500 | 2,248 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.2031% | 4,500 |
Cost of funding earning assets | 2.2153% | 5,532 |
Net interest margin | 3.9877% | 3,174 |
Noninterest income to average assets | 0.5459% | 4,261 |
Noninterest expense to average assets | 5.6933% | 465 |
Loan and lease loss provision to assets | 0.5863% | 2,477 |
Net operating income to assets | -1.4615% | 7,448 |
Return on assets (ROA) | -1.7820% | 7,505 |
Pretax return on assets | -2.6938% | 7,639 |
Return on Equity (ROE) | -16.6619% | 7,654 |
Retained earnings to average equity (ytd only) | -16.6619% | 7,553 |
Net charge-offs to loans | 0.5191% | 2,289 |
Credit loss provision to net charge-offs | 153.7259% | 3,400 |
Earnings coverage of net charge-offs (x) | -4.2530% | 6,813 |
Efficiency ratio | 108.2558% | 751 |
Assets per employee ($millions) | 3.0945% | 5,784 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9840% | 6,181 |
Loan loss allowance to noncurrent loans | 58.4823% | 5,080 |
Noncurrent assets plus other real estate owned to assets | 3.9013% | 1,071 |
Noncurrent loans to loans | 1.6825% | 3,244 |
Net loans and leases to total assets | 76.0072% | 2,619 |
Net loans and leases to deposits | 99.2737% | 1,950 |
Net loans and leases to core deposits | 113.3550% | 3,412 |
Total domestic deposits to total assets | 76.5633% | 6,108 |
Equity capital to assets | 9.5987% | 4,544 |
Core capital (leverage) ratio | 7.7131% | 6,903 |
Tier 1 risk-based capital ratio | 9.8030% | 6,953 |
Total risk-based capital ratio | 10.8092% | 7,151 |
Memoranda: | ||
Average total assets | $285,020,800 | 2,285 |
Average earning assets | $251,971,800 | 2,354 |
Average equity | $30,482,800 | 2,219 |
Average total loans | $209,420,000 | 2,210 |