Home > FIRST SCOTTSDALE BANK > Performance and Condition Ratios
FIRST SCOTTSDALE BANK, Performance and Condition Ratios
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 | 4.4120% | 1,818 |
Cost of funding earning assets | 0.3661% | 3,638 |
Net interest margin | 4.0460% | 1,506 |
Noninterest income to average assets | 0.1855% | 5,582 |
Noninterest expense to average assets | 4.2651% | 509 |
Loan and lease loss provision to assets | 0.0000% | 4,069 |
Net operating income to assets | -0.4271% | 6,170 |
Return on assets (ROA) | -0.4271% | 6,183 |
Pretax return on assets | -0.4271% | 6,171 |
Return on Equity (ROE) | -2.6163% | 6,143 |
Retained earnings to average equity (ytd only) | -2.6163% | 5,879 |
Net charge-offs to loans | -0.0244% | 5,235 |
Credit loss provision to net charge-offs | 0.0000% | 3,158 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 111.1279% | 162 |
Assets per employee ($millions) | 3.8555% | 4,154 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3832% | 2,836 |
Loan loss allowance to noncurrent loans | 404.1667% | 1,251 |
Noncurrent assets plus other real estate owned to assets | 0.2241% | 4,974 |
Noncurrent loans to loans | 0.3422% | 4,464 |
Net loans and leases to total assets | 64.5744% | 3,184 |
Net loans and leases to deposits | 78.6490% | 2,948 |
Net loans and leases to core deposits | 96.5681% | 1,753 |
Total domestic deposits to total assets | 82.1046% | 4,262 |
Equity capital to assets | 17.3746% | 388 |
Core capital (leverage) ratio | 17.6735% | 315 |
Tier 1 risk-based capital ratio | 25.7804% | 797 |
Total risk-based capital ratio | 27.0315% | 781 |
Memoranda: | ||
Average total assets | $103,490,000 | 4,478 |
Average earning assets | $93,426,670 | 4,526 |
Average equity | $16,894,330 | 3,581 |
Average total loans | $65,675,000 | 4,284 |
2015-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9360% | 3,479 |
Cost of funding earning assets | 0.3603% | 3,750 |
Net interest margin | 3.5757% | 3,099 |
Noninterest income to average assets | 0.2317% | 5,304 |
Noninterest expense to average assets | 4.0433% | 654 |
Loan and lease loss provision to assets | 0.0000% | 3,703 |
Net operating income to assets | -0.3998% | 6,216 |
Return on assets (ROA) | -0.3998% | 6,233 |
Pretax return on assets | -0.3998% | 6,219 |
Return on Equity (ROE) | -2.5224% | 6,197 |
Retained earnings to average equity (ytd only) | -2.5224% | 5,748 |
Net charge-offs to loans | -0.0358% | 5,351 |
Credit loss provision to net charge-offs | 0.0000% | 2,491 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 110.9744% | 188 |
Assets per employee ($millions) | 4.2533% | 3,458 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3692% | 3,066 |
Loan loss allowance to noncurrent loans | 403.2407% | 1,197 |
Noncurrent assets plus other real estate owned to assets | 0.2031% | 5,146 |
Noncurrent loans to loans | 0.3396% | 4,571 |
Net loans and leases to total assets | 59.0058% | 3,797 |
Net loans and leases to deposits | 70.5418% | 3,691 |
Net loans and leases to core deposits | 70.5418% | 4,103 |
Total domestic deposits to total assets | 83.6465% | 3,961 |
Equity capital to assets | 15.9228% | 553 |
Core capital (leverage) ratio | 15.8196% | 487 |
Tier 1 risk-based capital ratio | 25.3186% | 852 |
Total risk-based capital ratio | 26.5692% | 835 |
Memoranda: | ||
Average total assets | $107,041,000 | 4,436 |
Average earning assets | $102,134,500 | 4,342 |
Average equity | $16,968,000 | 3,593 |
Average total loans | $66,955,000 | 4,268 |
2014-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7174% | 1,260 |
Cost of funding earning assets | 0.3494% | 4,261 |
Net interest margin | 4.3680% | 934 |
Noninterest income to average assets | 0.2656% | 5,231 |
Noninterest expense to average assets | 4.6171% | 417 |
Loan and lease loss provision to assets | 0.1018% | 2,456 |
Net operating income to assets | -0.3083% | 6,242 |
Return on assets (ROA) | -0.3034% | 6,233 |
Pretax return on assets | -0.3034% | 6,222 |
Return on Equity (ROE) | -1.8271% | 6,203 |
Retained earnings to average equity (ytd only) | -1.8271% | 5,993 |
Net charge-offs to loans | -0.0587% | 5,977 |
Credit loss provision to net charge-offs | -262.5000% | 5,682 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 104.3297% | 287 |
Assets per employee ($millions) | 4.3100% | 3,348 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2305% | 3,825 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
Noncurrent loans to loans | 0.0000% | 5,950 |
Net loans and leases to total assets | 64.4381% | 3,156 |
Net loans and leases to deposits | 76.9705% | 3,093 |
Net loans and leases to core deposits | 76.9705% | 3,612 |
Total domestic deposits to total assets | 83.7179% | 3,830 |
Equity capital to assets | 15.7819% | 565 |
Core capital (leverage) ratio | 16.7299% | 393 |
Tier 1 risk-based capital ratio | 23.2019% | 1,056 |
Total risk-based capital ratio | 24.4254% | 1,037 |
Memoranda: | ||
Average total assets | $103,159,200 | 4,524 |
Average earning assets | $97,893,000 | 4,452 |
Average equity | $17,130,600 | 3,506 |
Average total loans | $68,172,200 | 4,231 |
2014-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8269% | 1,064 |
Cost of funding earning assets | 0.3530% | 4,315 |
Net interest margin | 4.4740% | 785 |
Noninterest income to average assets | 0.3359% | 4,754 |
Noninterest expense to average assets | 4.5732% | 425 |
Loan and lease loss provision to assets | 0.1307% | 1,919 |
Net operating income to assets | -0.1268% | 6,235 |
Return on assets (ROA) | -0.1202% | 6,236 |
Pretax return on assets | -0.1202% | 6,214 |
Return on Equity (ROE) | -0.7147% | 6,207 |
Retained earnings to average equity (ytd only) | -0.7147% | 5,914 |
Net charge-offs to loans | -0.0788% | 6,068 |
Credit loss provision to net charge-offs | -250.0000% | 5,609 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 99.5717% | 382 |
Assets per employee ($millions) | 3.9438% | 4,000 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2878% | 3,709 |
Loan loss allowance to noncurrent loans | 1,755.1020% | 347 |
Noncurrent assets plus other real estate owned to assets | 0.0518% | 5,944 |
Noncurrent loans to loans | 0.0734% | 5,731 |
Net loans and leases to total assets | 69.6482% | 2,250 |
Net loans and leases to deposits | 85.4410% | 1,978 |
Net loans and leases to core deposits | 85.4410% | 2,726 |
Total domestic deposits to total assets | 81.5161% | 4,651 |
Equity capital to assets | 18.0940% | 328 |
Core capital (leverage) ratio | 18.2057% | 292 |
Tier 1 risk-based capital ratio | 25.8471% | 799 |
Total risk-based capital ratio | 27.0960% | 782 |
Memoranda: | ||
Average total assets | $102,011,500 | 4,601 |
Average earning assets | $96,704,750 | 4,531 |
Average equity | $17,162,000 | 3,521 |
Average total loans | $67,641,000 | 4,288 |
2014-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6745% | 1,341 |
Cost of funding earning assets | 0.3537% | 4,398 |
Net interest margin | 4.3208% | 985 |
Noninterest income to average assets | 0.4499% | 3,876 |
Noninterest expense to average assets | 4.4953% | 455 |
Loan and lease loss provision to assets | 0.1915% | 1,275 |
Net operating income to assets | -0.1436% | 6,285 |
Return on assets (ROA) | -0.1340% | 6,292 |
Pretax return on assets | -0.1340% | 6,280 |
Return on Equity (ROE) | -0.8152% | 6,265 |
Retained earnings to average equity (ytd only) | -0.8152% | 5,830 |
Net charge-offs to loans | -0.1178% | 6,194 |
Credit loss provision to net charge-offs | -250.0000% | 5,435 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 98.6094% | 443 |
Assets per employee ($millions) | 4.1255% | 3,599 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2181% | 4,340 |
Loan loss allowance to noncurrent loans | 1,755.1020% | 316 |
Noncurrent assets plus other real estate owned to assets | 0.0495% | 6,043 |
Noncurrent loans to loans | 0.0694% | 5,816 |
Net loans and leases to total assets | 70.4349% | 2,012 |
Net loans and leases to deposits | 85.5588% | 1,862 |
Net loans and leases to core deposits | 103.7057% | 1,042 |
Total domestic deposits to total assets | 82.3234% | 4,536 |
Equity capital to assets | 17.3625% | 379 |
Core capital (leverage) ratio | 17.2383% | 348 |
Tier 1 risk-based capital ratio | 23.1764% | 1,083 |
Total risk-based capital ratio | 24.3750% | 1,079 |
Memoranda: | ||
Average total assets | $104,465,330 | 4,570 |
Average earning assets | $98,962,670 | 4,492 |
Average equity | $17,174,000 | 3,521 |
Average total loans | $67,927,330 | 4,300 |
2014-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6010% | 1,504 |
Cost of funding earning assets | 0.3524% | 4,514 |
Net interest margin | 4.2486% | 1,103 |
Noninterest income to average assets | 0.6642% | 2,376 |
Noninterest expense to average assets | 4.6011% | 410 |
Loan and lease loss provision to assets | 0.0000% | 3,817 |
Net operating income to assets | 0.0672% | 6,093 |
Return on assets (ROA) | 0.0672% | 6,119 |
Pretax return on assets | 0.0672% | 6,128 |
Return on Equity (ROE) | 0.4194% | 6,160 |
Retained earnings to average equity (ytd only) | 0.4194% | 5,410 |
Net charge-offs to loans | -0.2283% | 6,422 |
Credit loss provision to net charge-offs | 0.0000% | 2,688 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 98.2414% | 535 |
Assets per employee ($millions) | 4.5993% | 2,816 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1209% | 5,023 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0170% | 6,262 |
Noncurrent loans to loans | 0.0000% | 6,210 |
Net loans and leases to total assets | 63.2118% | 3,033 |
Net loans and leases to deposits | 75.7239% | 2,838 |
Net loans and leases to core deposits | 91.6728% | 1,766 |
Total domestic deposits to total assets | 83.4767% | 4,456 |
Equity capital to assets | 16.2747% | 489 |
Core capital (leverage) ratio | 15.5280% | 536 |
Tier 1 risk-based capital ratio | 22.3500% | 1,239 |
Total risk-based capital ratio | 23.3676% | 1,255 |
Memoranda: | ||
Average total assets | $107,192,000 | 4,551 |
Average earning assets | $101,021,000 | 4,483 |
Average equity | $17,165,500 | 3,528 |
Average total loans | $66,591,500 | 4,371 |
2013-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4892% | 2,251 |
Cost of funding earning assets | 0.3958% | 4,694 |
Net interest margin | 4.0934% | 1,663 |
Noninterest income to average assets | 3.1595% | 214 |
Noninterest expense to average assets | 6.1148% | 193 |
Loan and lease loss provision to assets | 0.2122% | 1,735 |
Net operating income to assets | 0.7568% | 3,507 |
Return on assets (ROA) | 0.7659% | 3,558 |
Pretax return on assets | 0.7659% | 4,277 |
Return on Equity (ROE) | 4.4156% | 4,930 |
Retained earnings to average equity (ytd only) | 4.4156% | 3,032 |
Net charge-offs to loans | 0.3839% | 1,756 |
Credit loss provision to net charge-offs | 89.4515% | 2,779 |
Earnings coverage of net charge-offs (x) | 4.0844% | 3,677 |
Efficiency ratio | 86.1362% | 1,403 |
Assets per employee ($millions) | 4.3440% | 3,185 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0983% | 5,160 |
Loan loss allowance to noncurrent loans | 9,000.0000% | 86 |
Noncurrent assets plus other real estate owned to assets | 0.0239% | 6,328 |
Noncurrent loans to loans | 0.0122% | 6,244 |
Net loans and leases to total assets | 59.7026% | 3,771 |
Net loans and leases to deposits | 71.1986% | 3,629 |
Net loans and leases to core deposits | 90.8921% | 1,916 |
Total domestic deposits to total assets | 83.8536% | 4,219 |
Equity capital to assets | 15.7597% | 567 |
Core capital (leverage) ratio | 15.4079% | 555 |
Tier 1 risk-based capital ratio | 22.6026% | 1,160 |
Total risk-based capital ratio | 23.5830% | 1,176 |
Memoranda: | ||
Average total assets | $99,888,400 | 4,741 |
Average earning assets | $95,762,800 | 4,626 |
Average equity | $17,324,800 | 3,514 |
Average total loans | $61,728,200 | 4,555 |
2013-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5540% | 2,023 |
Cost of funding earning assets | 0.3908% | 4,898 |
Net interest margin | 4.1633% | 1,443 |
Noninterest income to average assets | 4.2710% | 164 |
Noninterest expense to average assets | 5.6437% | 234 |
Loan and lease loss provision to assets | 0.2866% | 1,200 |
Net operating income to assets | 2.3388% | 206 |
Return on assets (ROA) | 2.3511% | 214 |
Pretax return on assets | 2.3511% | 297 |
Return on Equity (ROE) | 13.2200% | 1,190 |
Retained earnings to average equity (ytd only) | 13.2200% | 316 |
Net charge-offs to loans | 0.4169% | 1,540 |
Credit loss provision to net charge-offs | 110.5263% | 2,135 |
Earnings coverage of net charge-offs (x) | 10.1262% | 2,393 |
Efficiency ratio | 68.1023% | 4,079 |
Assets per employee ($millions) | 3.3751% | 5,119 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1937% | 4,893 |
Loan loss allowance to noncurrent loans | 49.8696% | 5,234 |
Noncurrent assets plus other real estate owned to assets | 1.3368% | 2,969 |
Noncurrent loans to loans | 2.3937% | 1,834 |
Net loans and leases to total assets | 55.1807% | 4,431 |
Net loans and leases to deposits | 65.9422% | 4,314 |
Net loans and leases to core deposits | 82.9134% | 2,772 |
Total domestic deposits to total assets | 83.6805% | 4,319 |
Equity capital to assets | 15.8254% | 578 |
Core capital (leverage) ratio | 15.9705% | 493 |
Tier 1 risk-based capital ratio | 26.5662% | 737 |
Total risk-based capital ratio | 27.7240% | 734 |
Memoranda: | ||
Average total assets | $97,710,500 | 4,840 |
Average earning assets | $93,833,750 | 4,732 |
Average equity | $17,377,250 | 3,549 |
Average total loans | $60,771,000 | 4,631 |
2013-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6886% | 1,599 |
Cost of funding earning assets | 0.3845% | 5,086 |
Net interest margin | 4.3041% | 1,023 |
Noninterest income to average assets | 6.1067% | 119 |
Noninterest expense to average assets | 5.6677% | 241 |
Loan and lease loss provision to assets | 0.4564% | 633 |
Net operating income to assets | 4.1182% | 56 |
Return on assets (ROA) | 4.1378% | 58 |
Pretax return on assets | 4.1378% | 79 |
Return on Equity (ROE) | 22.2478% | 197 |
Retained earnings to average equity (ytd only) | 22.2478% | 65 |
Net charge-offs to loans | 0.6369% | 1,031 |
Credit loss provision to net charge-offs | 110.5263% | 2,004 |
Earnings coverage of net charge-offs (x) | 11.0789% | 2,087 |
Efficiency ratio | 55.2302% | 6,047 |
Assets per employee ($millions) | 3.8268% | 4,155 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0338% | 5,693 |
Loan loss allowance to noncurrent loans | 124.5928% | 2,932 |
Noncurrent assets plus other real estate owned to assets | 0.5176% | 4,977 |
Noncurrent loans to loans | 0.8297% | 4,256 |
Net loans and leases to total assets | 61.7334% | 3,344 |
Net loans and leases to deposits | 73.4002% | 3,240 |
Net loans and leases to core deposits | 87.8318% | 2,126 |
Total domestic deposits to total assets | 84.1053% | 4,274 |
Equity capital to assets | 15.4976% | 617 |
Core capital (leverage) ratio | 15.9765% | 470 |
Tier 1 risk-based capital ratio | 22.9023% | 1,148 |
Total risk-based capital ratio | 23.8781% | 1,171 |
Memoranda: | ||
Average total assets | $92,030,000 | 5,009 |
Average earning assets | $88,427,330 | 4,889 |
Average equity | $17,116,330 | 3,608 |
Average total loans | $59,666,000 | 4,686 |
2013-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4993% | 2,173 |
Cost of funding earning assets | 0.3967% | 5,135 |
Net interest margin | 4.1026% | 1,452 |
Noninterest income to average assets | 0.1270% | 6,462 |
Noninterest expense to average assets | 5.3093% | 298 |
Loan and lease loss provision to assets | 0.0762% | 3,360 |
Net operating income to assets | -1.2651% | 6,856 |
Return on assets (ROA) | -1.2194% | 6,859 |
Pretax return on assets | -1.2194% | 6,846 |
Return on Equity (ROE) | -5.8245% | 6,714 |
Retained earnings to average equity (ytd only) | -5.8245% | 6,409 |
Net charge-offs to loans | 0.0000% | 4,145 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 128.7300% | 158 |
Assets per employee ($millions) | 4.3207% | 3,297 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4536% | 4,003 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
Noncurrent loans to loans | 0.0000% | 6,535 |
Net loans and leases to total assets | 66.2479% | 2,325 |
Net loans and leases to deposits | 84.3809% | 1,550 |
Net loans and leases to core deposits | 120.3780% | 279 |
Total domestic deposits to total assets | 78.5105% | 6,045 |
Equity capital to assets | 21.0369% | 177 |
Core capital (leverage) ratio | 20.5104% | 171 |
Tier 1 risk-based capital ratio | 26.9729% | 713 |
Total risk-based capital ratio | 28.2230% | 698 |
Memoranda: | ||
Average total assets | $78,729,500 | 5,393 |
Average earning assets | $76,634,000 | 5,246 |
Average equity | $16,482,000 | 3,743 |
Average total loans | $52,499,000 | 4,966 |
2012-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6556% | 6,125 |
Cost of funding earning assets | 0.4076% | 5,865 |
Net interest margin | 3.2480% | 5,435 |
Noninterest income to average assets | 0.0979% | 6,516 |
Noninterest expense to average assets | 4.8641% | 423 |
Loan and lease loss provision to assets | 0.5222% | 1,117 |
Net operating income to assets | -2.1458% | 6,946 |
Return on assets (ROA) | -2.1159% | 6,950 |
Pretax return on assets | -2.1159% | 6,943 |
Return on Equity (ROE) | -8.9560% | 6,700 |
Retained earnings to average equity (ytd only) | -8.9560% | 6,603 |
Net charge-offs to loans | 0.0000% | 5,985 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 149.8531% | 92 |
Assets per employee ($millions) | 4.1940% | 3,559 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4133% | 4,110 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
Noncurrent loans to loans | 0.0000% | 6,599 |
Net loans and leases to total assets | 65.2185% | 2,668 |
Net loans and leases to deposits | 82.7297% | 1,903 |
Net loans and leases to core deposits | 105.6859% | 704 |
Total domestic deposits to total assets | 78.8332% | 5,924 |
Equity capital to assets | 20.8355% | 190 |
Core capital (leverage) ratio | 22.3525% | 126 |
Tier 1 risk-based capital ratio | 27.0588% | 684 |
Total risk-based capital ratio | 28.3032% | 676 |
Memoranda: | ||
Average total assets | $73,539,200 | 5,529 |
Average earning assets | $71,152,000 | 5,390 |
Average equity | $17,373,800 | 3,561 |
Average total loans | $36,646,600 | 5,651 |
2012-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4969% | 6,515 |
Cost of funding earning assets | 0.4084% | 6,069 |
Net interest margin | 3.0886% | 5,964 |
Noninterest income to average assets | 0.0667% | 6,747 |
Noninterest expense to average assets | 4.6090% | 502 |
Loan and lease loss provision to assets | 0.3963% | 1,619 |
Net operating income to assets | -1.9554% | 7,031 |
Return on assets (ROA) | -1.9147% | 7,038 |
Pretax return on assets | -1.9147% | 7,018 |
Return on Equity (ROE) | -7.8481% | 6,807 |
Retained earnings to average equity (ytd only) | -7.8481% | 6,743 |
Net charge-offs to loans | 0.0000% | 5,771 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 150.8804% | 88 |
Assets per employee ($millions) | 3.8088% | 4,286 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3441% | 4,610 |
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 | 58.3208% | 4,080 |
Net loans and leases to deposits | 76.7001% | 2,878 |
Net loans and leases to core deposits | 93.1842% | 1,667 |
Total domestic deposits to total assets | 76.0374% | 6,373 |
Equity capital to assets | 23.6834% | 122 |
Core capital (leverage) ratio | 23.4627% | 113 |
Tier 1 risk-based capital ratio | 32.3952% | 425 |
Total risk-based capital ratio | 33.5164% | 423 |
Memoranda: | ||
Average total assets | $72,002,500 | 5,634 |
Average earning assets | $69,545,000 | 5,505 |
Average equity | $17,566,500 | 3,559 |
Average total loans | $32,629,500 | 5,898 |
2012-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.1447% | 6,913 |
Cost of funding earning assets | 0.3953% | 6,293 |
Net interest margin | 2.7495% | 6,649 |
Noninterest income to average assets | 0.0612% | 6,820 |
Noninterest expense to average assets | 4.7662% | 442 |
Loan and lease loss provision to assets | 0.2476% | 2,588 |
Net operating income to assets | -2.3010% | 7,109 |
Return on assets (ROA) | -2.3010% | 7,115 |
Pretax return on assets | -2.3010% | 7,100 |
Return on Equity (ROE) | -9.3399% | 6,894 |
Retained earnings to average equity (ytd only) | -9.3399% | 6,818 |
Net charge-offs to loans | 0.0000% | 5,507 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 175.3846% | 62 |
Assets per employee ($millions) | 3.5599% | 4,845 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3812% | 4,536 |
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 | 0.0000% | 6,740 |
Net loans and leases to total assets | 45.1291% | 5,909 |
Net loans and leases to deposits | 59.8666% | 5,249 |
Net loans and leases to core deposits | 70.3378% | 4,496 |
Total domestic deposits to total assets | 75.3827% | 6,545 |
Equity capital to assets | 24.2619% | 109 |
Core capital (leverage) ratio | 24.7241% | 99 |
Tier 1 risk-based capital ratio | 39.2131% | 247 |
Total risk-based capital ratio | 40.2609% | 245 |
Memoranda: | ||
Average total assets | $71,881,000 | 5,671 |
Average earning assets | $69,322,000 | 5,550 |
Average equity | $17,709,000 | 3,540 |
Average total loans | $29,246,000 | 6,101 |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.0775% | 7,015 |
Cost of funding earning assets | 0.3977% | 6,422 |
Net interest margin | 2.6799% | 6,797 |
Noninterest income to average assets | 0.0554% | 6,907 |
Noninterest expense to average assets | 4.8628% | 407 |
Loan and lease loss provision to assets | 0.3378% | 1,852 |
Net operating income to assets | -2.5698% | 7,197 |
Return on assets (ROA) | -2.5698% | 7,200 |
Pretax return on assets | -2.5698% | 7,183 |
Return on Equity (ROE) | -10.3534% | 6,995 |
Retained earnings to average equity (ytd only) | -10.3534% | 6,850 |
Net charge-offs to loans | 0.0000% | 4,730 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 184.6316% | 52 |
Assets per employee ($millions) | 3.9865% | 4,044 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4513% | 4,364 |
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 | 0.0000% | 6,812 |
Net loans and leases to total assets | 37.8314% | 6,501 |
Net loans and leases to deposits | 49.5162% | 6,178 |
Net loans and leases to core deposits | 55.8218% | 5,918 |
Total domestic deposits to total assets | 76.4021% | 6,501 |
Equity capital to assets | 23.3774% | 117 |
Core capital (leverage) ratio | 25.2129% | 95 |
Tier 1 risk-based capital ratio | 45.1898% | 163 |
Total risk-based capital ratio | 46.2904% | 164 |
Memoranda: | ||
Average total assets | $72,222,500 | 5,704 |
Average earning assets | $69,406,000 | 5,582 |
Average equity | $17,926,500 | 3,513 |
Average total loans | $27,578,500 | 6,215 |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.2472% | 7,274 |
Cost of funding earning assets | 0.2634% | 7,161 |
Net interest margin | 1.9838% | 7,224 |
Noninterest income to average assets | 0.0318% | 6,895 |
Noninterest expense to average assets | 4.8942% | 409 |
Loan and lease loss provision to assets | 0.4496% | 2,359 |
Net operating income to assets | -3.3978% | 7,218 |
Return on assets (ROA) | -3.3978% | 7,222 |
Pretax return on assets | -3.3978% | 7,223 |
Return on Equity (ROE) | -11.0643% | 6,766 |
Retained earnings to average equity (ytd only) | -11.0643% | 6,733 |
Net charge-offs to loans | 0.0000% | 6,441 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 234.4490% | 38 |
Assets per employee ($millions) | 4.2938% | 3,265 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3842% | 4,540 |
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 | 37.4361% | 6,668 |
Net loans and leases to deposits | 51.0176% | 6,288 |
Net loans and leases to core deposits | 58.3581% | 5,980 |
Total domestic deposits to total assets | 73.3788% | 6,773 |
Equity capital to assets | 26.4130% | 89 |
Core capital (leverage) ratio | 28.7484% | 71 |
Tier 1 risk-based capital ratio | 50.7425% | 129 |
Total risk-based capital ratio | 51.7670% | 131 |
Memoranda: | ||
Average total assets | $62,951,800 | 5,957 |
Average earning assets | $60,742,600 | 5,846 |
Average equity | $19,332,400 | 3,239 |
Average total loans | $16,351,400 | 6,831 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.0040% | 7,366 |
Cost of funding earning assets | 0.2306% | 7,296 |
Net interest margin | 1.7734% | 7,337 |
Noninterest income to average assets | 0.0325% | 7,008 |
Noninterest expense to average assets | 4.3002% | 713 |
Loan and lease loss provision to assets | 0.3490% | 2,784 |
Net operating income to assets | -2.9001% | 7,257 |
Return on assets (ROA) | -2.9001% | 7,265 |
Pretax return on assets | -2.9001% | 7,260 |
Return on Equity (ROE) | -9.0884% | 6,864 |
Retained earnings to average equity (ytd only) | -9.0884% | 6,820 |
Net charge-offs to loans | 0.0000% | 6,185 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 245.3532% | 29 |
Assets per employee ($millions) | 4.4536% | 2,997 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2260% | 5,365 |
Loan loss allowance to noncurrent loans | 52.2976% | 4,872 |
Noncurrent assets plus other real estate owned to assets | 0.7330% | 5,324 |
Noncurrent loans to loans | 2.3443% | 2,955 |
Net loans and leases to total assets | 30.8821% | 7,059 |
Net loans and leases to deposits | 44.4698% | 6,811 |
Net loans and leases to core deposits | 51.0594% | 6,617 |
Total domestic deposits to total assets | 69.4451% | 7,064 |
Equity capital to assets | 30.4058% | 77 |
Core capital (leverage) ratio | 31.5071% | 67 |
Tier 1 risk-based capital ratio | 64.9676% | 94 |
Total risk-based capital ratio | 65.8235% | 94 |
Memoranda: | ||
Average total assets | $61,514,500 | 6,047 |
Average earning assets | $59,546,250 | 5,921 |
Average equity | $19,629,000 | 3,203 |
Average total loans | $13,919,250 | 7,024 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 1.7358% | 7,461 |
Cost of funding earning assets | 0.2254% | 7,393 |
Net interest margin | 1.5105% | 7,441 |
Noninterest income to average assets | 0.0392% | 7,081 |
Noninterest expense to average assets | 4.1087% | 905 |
Loan and lease loss provision to assets | 0.2743% | 3,195 |
Net operating income to assets | -2.8774% | 7,297 |
Return on assets (ROA) | -2.8774% | 7,302 |
Pretax return on assets | -2.8774% | 7,292 |
Return on Equity (ROE) | -8.8754% | 6,900 |
Retained earnings to average equity (ytd only) | -8.8754% | 6,820 |
Net charge-offs to loans | 0.0000% | 5,875 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 272.2343% | 30 |
Assets per employee ($millions) | 4.1834% | 3,385 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1368% | 5,808 |
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 | 24.0562% | 7,315 |
Net loans and leases to deposits | 36.1080% | 7,170 |
Net loans and leases to core deposits | 41.3519% | 7,088 |
Total domestic deposits to total assets | 66.6228% | 7,248 |
Equity capital to assets | 33.1928% | 66 |
Core capital (leverage) ratio | 33.0683% | 66 |
Tier 1 risk-based capital ratio | 83.1117% | 66 |
Total risk-based capital ratio | 83.8373% | 66 |
Memoranda: | ||
Average total assets | $61,236,000 | 6,102 |
Average earning assets | $59,452,330 | 5,971 |
Average equity | $19,852,670 | 3,153 |
Average total loans | $12,061,000 | 7,167 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 1.4183% | 7,534 |
Cost of funding earning assets | 0.2549% | 7,431 |
Net interest margin | 1.1634% | 7,524 |
Noninterest income to average assets | 0.0320% | 7,212 |
Noninterest expense to average assets | 3.6183% | 1,731 |
Loan and lease loss provision to assets | 0.2046% | 3,594 |
Net operating income to assets | -2.6530% | 7,363 |
Return on assets (ROA) | -2.6530% | 7,364 |
Pretax return on assets | -2.6530% | 7,343 |
Return on Equity (ROE) | -8.2756% | 6,968 |
Retained earnings to average equity (ytd only) | -8.2756% | 6,770 |
Net charge-offs to loans | 0.0000% | 5,107 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 308.7432% | 27 |
Assets per employee ($millions) | 4.2723% | 3,292 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9588% | 6,517 |
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 | 18.9979% | 7,441 |
Net loans and leases to deposits | 28.5151% | 7,379 |
Net loans and leases to core deposits | 32.5559% | 7,344 |
Total domestic deposits to total assets | 66.6238% | 7,311 |
Equity capital to assets | 33.1840% | 66 |
Core capital (leverage) ratio | 31.1199% | 73 |
Tier 1 risk-based capital ratio | 114.2108% | 48 |
Total risk-based capital ratio | 114.8519% | 48 |
Memoranda: | ||
Average total assets | $62,570,500 | 6,108 |
Average earning assets | $61,201,500 | 5,961 |
Average equity | $20,059,000 | 3,103 |
Average total loans | $10,966,000 | 7,275 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 0.2861% | 7,630 |
Cost of funding earning assets | 0.1276% | 7,575 |
Net interest margin | 0.1585% | 7,636 |
Noninterest income to average assets | 0.0093% | 7,250 |
Noninterest expense to average assets | 1.1609% | 7,553 |
Loan and lease loss provision to assets | 0.1458% | 5,728 |
Net operating income to assets | -1.1441% | 6,760 |
Return on assets (ROA) | -1.1441% | 6,781 |
Pretax return on assets | -1.1441% | 6,715 |
Return on Equity (ROE) | -7.6490% | 6,601 |
Retained earnings to average equity (ytd only) | -7.6490% | 6,508 |
Net charge-offs to loans | 0.0000% | 6,850 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 712.6437% | 12 |
Assets per employee ($millions) | 5.9390% | 1,248 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.7458% | 7,058 |
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 | 15.8903% | 7,557 |
Net loans and leases to deposits | 23.1167% | 7,535 |
Net loans and leases to core deposits | 27.4281% | 7,501 |
Total domestic deposits to total assets | 68.7398% | 7,296 |
Equity capital to assets | 31.0276% | 75 |
Core capital (leverage) ratio | 33.3444% | 73 |
Tier 1 risk-based capital ratio | 179.7251% | 37 |
Total risk-based capital ratio | 180.4258% | 37 |
Memoranda: | ||
Average total assets | $53,494,000 | 6,422 |
Average earning assets | $51,724,600 | 6,302 |
Average equity | $8,001,000 | 5,712 |
Average total loans | $25,228,800 | 6,661 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2619% | 7,017 |
Cost of funding earning assets | 1.5113% | 2,905 |
Net interest margin | 2.7506% | 7,180 |
Noninterest income to average assets | 0.0580% | 7,234 |
Noninterest expense to average assets | 3.2135% | 2,877 |
Loan and lease loss provision to assets | 1.3851% | 976 |
Net operating income to assets | -1.8996% | 7,211 |
Return on assets (ROA) | -1.8996% | 7,226 |
Pretax return on assets | -1.8996% | 7,170 |
Return on Equity (ROE) | -19.4574% | 7,209 |
Retained earnings to average equity (ytd only) | -19.4574% | 7,191 |
Net charge-offs to loans | 2.9505% | 537 |
Credit loss provision to net charge-offs | 82.0313% | 5,070 |
Earnings coverage of net charge-offs (x) | -0.3047% | 6,249 |
Efficiency ratio | 119.0616% | 407 |
Assets per employee ($millions) | 8.6840% | 385 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.9936% | 373 |
Loan loss allowance to noncurrent loans | 30.2855% | 6,317 |
Noncurrent assets plus other real estate owned to assets | 5.1635% | 1,227 |
Noncurrent loans to loans | 13.1867% | 222 |
Net loans and leases to total assets | 37.5933% | 7,199 |
Net loans and leases to deposits | 42.2012% | 7,296 |
Net loans and leases to core deposits | 51.3625% | 7,069 |
Total domestic deposits to total assets | 89.0811% | 1,351 |
Equity capital to assets | 10.7485% | 3,229 |
Core capital (leverage) ratio | 10.1498% | 3,097 |
Tier 1 risk-based capital ratio | 26.6067% | 729 |
Total risk-based capital ratio | 27.8920% | 703 |
Memoranda: | ||
Average total assets | $50,535,250 | 6,590 |
Average earning assets | $48,521,750 | 6,485 |
Average equity | $4,933,750 | 6,774 |
Average total loans | $28,921,250 | 6,536 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1825% | 7,195 |
Cost of funding earning assets | 1.5109% | 3,197 |
Net interest margin | 2.6716% | 7,284 |
Noninterest income to average assets | 0.0454% | 7,353 |
Noninterest expense to average assets | 3.1527% | 3,080 |
Loan and lease loss provision to assets | 1.9355% | 633 |
Net operating income to assets | -2.4760% | 7,410 |
Return on assets (ROA) | -2.4760% | 7,421 |
Pretax return on assets | -2.4760% | 7,361 |
Return on Equity (ROE) | -26.0817% | 7,382 |
Retained earnings to average equity (ytd only) | -26.0817% | 7,366 |
Net charge-offs to loans | 2.9671% | 536 |
Credit loss provision to net charge-offs | 104.9180% | 3,886 |
Earnings coverage of net charge-offs (x) | -0.2930% | 5,927 |
Efficiency ratio | 120.6946% | 410 |
Assets per employee ($millions) | 9.5282% | 287 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.6908% | 1,102 |
Loan loss allowance to noncurrent loans | 65.5974% | 4,059 |
Noncurrent assets plus other real estate owned to assets | 2.6175% | 2,762 |
Noncurrent loans to loans | 4.1020% | 1,834 |
Net loans and leases to total assets | 62.0936% | 4,666 |
Net loans and leases to deposits | 69.0781% | 5,406 |
Net loans and leases to core deposits | 81.1310% | 4,537 |
Total domestic deposits to total assets | 89.8890% | 979 |
Equity capital to assets | 9.9221% | 4,110 |
Core capital (leverage) ratio | 9.2900% | 4,138 |
Tier 1 risk-based capital ratio | 15.0995% | 3,107 |
Total risk-based capital ratio | 16.3676% | 3,051 |
Memoranda: | ||
Average total assets | $52,907,000 | 6,557 |
Average earning assets | $50,830,330 | 6,452 |
Average equity | $5,022,670 | 6,773 |
Average total loans | $32,894,330 | 6,387 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1992% | 7,266 |
Cost of funding earning assets | 1.4949% | 3,596 |
Net interest margin | 2.7043% | 7,296 |
Noninterest income to average assets | 0.0360% | 7,529 |
Noninterest expense to average assets | 2.8520% | 4,270 |
Loan and lease loss provision to assets | 3.6874% | 246 |
Net operating income to assets | -3.9107% | 7,711 |
Return on assets (ROA) | -3.9107% | 7,714 |
Pretax return on assets | -3.9107% | 7,682 |
Return on Equity (ROE) | -42.0075% | 7,661 |
Retained earnings to average equity (ytd only) | -42.0075% | 7,645 |
Net charge-offs to loans | 5.7408% | 193 |
Credit loss provision to net charge-offs | 104.4898% | 3,282 |
Earnings coverage of net charge-offs (x) | -0.0633% | 5,075 |
Efficiency ratio | 108.4932% | 633 |
Assets per employee ($millions) | 11.0140% | 205 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.4832% | 1,317 |
Loan loss allowance to noncurrent loans | 71.0183% | 3,809 |
Noncurrent assets plus other real estate owned to assets | 2.0864% | 3,406 |
Noncurrent loans to loans | 3.4965% | 2,280 |
Net loans and leases to total assets | 58.1896% | 5,398 |
Net loans and leases to deposits | 63.9404% | 6,054 |
Net loans and leases to core deposits | 71.8337% | 5,735 |
Total domestic deposits to total assets | 91.0060% | 544 |
Equity capital to assets | 8.8669% | 5,454 |
Core capital (leverage) ratio | 8.2545% | 5,827 |
Tier 1 risk-based capital ratio | 14.2543% | 3,509 |
Total risk-based capital ratio | 15.5197% | 3,471 |
Memoranda: | ||
Average total assets | $55,540,000 | 6,548 |
Average earning assets | $53,248,500 | 6,427 |
Average equity | $5,170,500 | 6,793 |
Average total loans | $34,141,500 | 6,414 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3666% | 4,855 |
Cost of funding earning assets | 1.8734% | 3,606 |
Net interest margin | 3.4932% | 4,985 |
Noninterest income to average assets | 0.0811% | 7,349 |
Noninterest expense to average assets | 2.7098% | 5,342 |
Loan and lease loss provision to assets | 0.6473% | 3,214 |
Net operating income to assets | -0.5243% | 6,214 |
Return on assets (ROA) | -0.4869% | 6,155 |
Pretax return on assets | 0.1113% | 5,197 |
Return on Equity (ROE) | -4.6024% | 6,180 |
Retained earnings to average equity (ytd only) | -4.6024% | 5,973 |
Net charge-offs to loans | 0.0000% | 7,246 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 79.4687% | 2,960 |
Assets per employee ($millions) | 9.3350% | 321 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.2415% | 1,578 |
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 | 61.8247% | 5,029 |
Net loans and leases to deposits | 68.6138% | 5,762 |
Net loans and leases to core deposits | 101.5931% | 3,837 |
Total domestic deposits to total assets | 90.1053% | 913 |
Equity capital to assets | 9.7447% | 4,080 |
Core capital (leverage) ratio | 10.1568% | 2,944 |
Tier 1 risk-based capital ratio | 14.6814% | 3,112 |
Total risk-based capital ratio | 15.9424% | 3,062 |
Memoranda: | ||
Average total assets | $52,993,400 | 6,595 |
Average earning assets | $50,497,600 | 6,518 |
Average equity | $5,605,800 | 6,740 |
Average total loans | $40,442,000 | 6,080 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.5917% | 3,913 |
Cost of funding earning assets | 1.9087% | 3,837 |
Net interest margin | 3.6831% | 4,148 |
Noninterest income to average assets | 0.0868% | 7,460 |
Noninterest expense to average assets | 2.8535% | 4,652 |
Loan and lease loss provision to assets | 0.8423% | 2,271 |
Net operating income to assets | -0.0659% | 5,836 |
Return on assets (ROA) | -0.0153% | 5,798 |
Pretax return on assets | -0.0281% | 5,751 |
Return on Equity (ROE) | -0.1418% | 5,800 |
Retained earnings to average equity (ytd only) | -0.1418% | 5,243 |
Net charge-offs to loans | 0.0000% | 6,987 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 79.5164% | 2,918 |
Assets per employee ($millions) | 8.5007% | 431 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0687% | 1,653 |
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 | 72.4904% | 2,919 |
Net loans and leases to deposits | 81.8802% | 4,049 |
Net loans and leases to core deposits | 128.7271% | 1,523 |
Total domestic deposits to total assets | 88.5323% | 1,420 |
Equity capital to assets | 11.0854% | 2,939 |
Core capital (leverage) ratio | 11.7245% | 1,955 |
Tier 1 risk-based capital ratio | 13.8897% | 3,613 |
Total risk-based capital ratio | 15.1489% | 3,550 |
Memoranda: | ||
Average total assets | $52,239,250 | 6,672 |
Average earning assets | $49,667,250 | 6,585 |
Average equity | $5,642,750 | 6,798 |
Average total loans | $41,697,000 | 6,076 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.6668% | 3,732 |
Cost of funding earning assets | 1.9432% | 4,043 |
Net interest margin | 3.7235% | 3,860 |
Noninterest income to average assets | 0.0874% | 7,536 |
Noninterest expense to average assets | 2.8186% | 4,875 |
Loan and lease loss provision to assets | 0.4330% | 3,393 |
Net operating income to assets | 0.2399% | 5,131 |
Return on assets (ROA) | 0.3153% | 4,939 |
Pretax return on assets | 0.5128% | 4,574 |
Return on Equity (ROE) | 2.9438% | 4,923 |
Retained earnings to average equity (ytd only) | 2.9438% | 3,687 |
Net charge-offs to loans | 0.0000% | 6,628 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 77.2917% | 3,458 |
Assets per employee ($millions) | 7.8768% | 519 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4327% | 3,556 |
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 | 82.2496% | 913 |
Net loans and leases to deposits | 93.8756% | 2,109 |
Net loans and leases to core deposits | 110.6708% | 3,311 |
Total domestic deposits to total assets | 87.6156% | 1,962 |
Equity capital to assets | 12.0480% | 2,177 |
Core capital (leverage) ratio | 11.2960% | 2,197 |
Tier 1 risk-based capital ratio | 13.8471% | 3,603 |
Total risk-based capital ratio | 15.0999% | 3,543 |
Memoranda: | ||
Average total assets | $52,651,000 | 6,716 |
Average earning assets | $50,328,670 | 6,616 |
Average equity | $5,639,000 | 6,852 |
Average total loans | $43,011,330 | 6,066 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.6038% | 4,333 |
Cost of funding earning assets | 1.8352% | 4,942 |
Net interest margin | 3.7686% | 3,592 |
Noninterest income to average assets | 0.0867% | 7,621 |
Noninterest expense to average assets | 2.4211% | 6,126 |
Loan and lease loss provision to assets | 0.7805% | 1,647 |
Net operating income to assets | 0.2975% | 5,309 |
Return on assets (ROA) | 0.4409% | 4,864 |
Pretax return on assets | 0.7155% | 4,378 |
Return on Equity (ROE) | 4.3482% | 4,775 |
Retained earnings to average equity (ytd only) | 4.3482% | 3,498 |
Net charge-offs to loans | 0.0000% | 5,728 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 65.5577% | 5,412 |
Assets per employee ($millions) | 8.5873% | 410 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2543% | 4,385 |
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 | 85.4087% | 510 |
Net loans and leases to deposits | 96.4114% | 1,885 |
Net loans and leases to core deposits | 113.0853% | 3,092 |
Total domestic deposits to total assets | 88.5878% | 1,434 |
Equity capital to assets | 10.9541% | 3,006 |
Core capital (leverage) ratio | 10.1493% | 3,241 |
Tier 1 risk-based capital ratio | 12.4129% | 4,605 |
Total risk-based capital ratio | 13.6535% | 4,537 |
Memoranda: | ||
Average total assets | $55,346,000 | 6,656 |
Average earning assets | $52,964,000 | 6,545 |
Average equity | $5,611,500 | 6,913 |
Average total loans | $44,798,500 | 6,025 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1285% | 8,087 |
Cost of funding earning assets | 1.1105% | 7,999 |
Net interest margin | 3.0180% | 6,860 |
Noninterest income to average assets | 0.0907% | 7,681 |
Noninterest expense to average assets | 5.4891% | 503 |
Loan and lease loss provision to assets | 1.7784% | 711 |
Net operating income to assets | -2.8603% | 7,791 |
Return on assets (ROA) | -2.8116% | 7,751 |
Pretax return on assets | -4.2943% | 7,942 |
Return on Equity (ROE) | -12.0447% | 7,427 |
Retained earnings to average equity (ytd only) | -12.0447% | 7,247 |
Net charge-offs to loans | 0.0000% | 7,039 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 189.3878% | 219 |
Assets per employee ($millions) | 9.8613% | 274 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0015% | 6,038 |
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 | 75.3465% | 2,794 |
Net loans and leases to deposits | 83.5241% | 4,492 |
Net loans and leases to core deposits | 93.7048% | 5,470 |
Total domestic deposits to total assets | 90.2092% | 573 |
Equity capital to assets | 9.4291% | 4,789 |
Core capital (leverage) ratio | 21.9829% | 337 |
Tier 1 risk-based capital ratio | 11.9165% | 4,894 |
Total risk-based capital ratio | 12.8880% | 5,004 |
Memoranda: | ||
Average total assets | $25,359,400 | 7,831 |
Average earning assets | $23,592,000 | 7,800 |
Average equity | $5,919,600 | 6,836 |
Average total loans | $14,617,000 | 7,672 |