Home > First State Bank of Wilton > Performance and Condition Ratios
First State Bank of Wilton, Performance and Condition Ratios
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 | 4.0246% | 4,017 |
Cost of funding earning assets | 0.5009% | 3,889 |
Net interest margin | 3.5237% | 3,685 |
Noninterest income to average assets | 0.1509% | 6,292 |
Noninterest expense to average assets | 1.7278% | 6,470 |
Loan and lease loss provision to assets | 0.0000% | 4,788 |
Net operating income to assets | 1.4780% | 936 |
Return on assets (ROA) | 1.4780% | 1,007 |
Pretax return on assets | 1.5352% | 1,526 |
Return on Equity (ROE) | 14.4138% | 927 |
Retained earnings to average equity (ytd only) | 14.4138% | 275 |
Net charge-offs to loans | 0.0000% | 4,909 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 52.9506% | 6,223 |
Assets per employee ($millions) | 4.8111% | 2,355 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5472% | 3,377 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
Noncurrent loans to loans | 0.0000% | 6,469 |
Net loans and leases to total assets | 44.1425% | 5,730 |
Net loans and leases to deposits | 50.1121% | 5,834 |
Net loans and leases to core deposits | 51.7767% | 5,903 |
Total domestic deposits to total assets | 88.0875% | 2,184 |
Equity capital to assets | 10.1769% | 3,690 |
Core capital (leverage) ratio | 9.5440% | 4,175 |
Tier 1 risk-based capital ratio | 16.6281% | 2,877 |
Total risk-based capital ratio | 17.7723% | 2,883 |
Memoranda: | ||
Average total assets | $38,430,670 | 6,444 |
Average earning assets | $33,941,330 | 6,469 |
Average equity | $3,940,670 | 6,465 |
Average total loans | $16,621,670 | 6,447 |
2013-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0108% | 4,075 |
Cost of funding earning assets | 0.5252% | 3,837 |
Net interest margin | 3.4856% | 3,764 |
Noninterest income to average assets | 0.1562% | 6,325 |
Noninterest expense to average assets | 1.6458% | 6,624 |
Loan and lease loss provision to assets | 0.0000% | 4,409 |
Net operating income to assets | 1.4374% | 970 |
Return on assets (ROA) | 1.4374% | 1,050 |
Pretax return on assets | 1.5520% | 1,420 |
Return on Equity (ROE) | 13.9658% | 968 |
Retained earnings to average equity (ytd only) | 13.9658% | 453 |
Net charge-offs to loans | 0.0000% | 4,145 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 51.4658% | 6,412 |
Assets per employee ($millions) | 5.0561% | 2,143 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6887% | 3,056 |
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 | 38.4286% | 6,124 |
Net loans and leases to deposits | 43.6164% | 6,229 |
Net loans and leases to core deposits | 44.6179% | 6,283 |
Total domestic deposits to total assets | 88.1060% | 2,254 |
Equity capital to assets | 9.9014% | 4,272 |
Core capital (leverage) ratio | 9.5938% | 3,939 |
Tier 1 risk-based capital ratio | 16.4952% | 3,003 |
Total risk-based capital ratio | 17.6741% | 2,999 |
Memoranda: | ||
Average total assets | $38,401,500 | 6,502 |
Average earning assets | $33,509,500 | 6,541 |
Average equity | $3,952,500 | 6,530 |
Average total loans | $16,304,000 | 6,519 |
2012-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3321% | 4,082 |
Cost of funding earning assets | 0.6093% | 4,256 |
Net interest margin | 3.7228% | 3,553 |
Noninterest income to average assets | 0.2303% | 5,802 |
Noninterest expense to average assets | 1.9866% | 6,356 |
Loan and lease loss provision to assets | 0.0000% | 5,905 |
Net operating income to assets | 1.3346% | 1,224 |
Return on assets (ROA) | 1.3346% | 1,351 |
Pretax return on assets | 1.6342% | 1,297 |
Return on Equity (ROE) | 11.5475% | 1,637 |
Retained earnings to average equity (ytd only) | -8.5466% | 6,595 |
Net charge-offs to loans | -0.0124% | 6,496 |
Credit loss provision to net charge-offs | 0.0000% | 5,483 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 54.8659% | 6,194 |
Assets per employee ($millions) | 4.5443% | 2,890 |
Cash dividends to net income (ytd only)* | 174.0125% | 161 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5896% | 3,368 |
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 | 45.4695% | 5,671 |
Net loans and leases to deposits | 52.3234% | 5,781 |
Net loans and leases to core deposits | 52.8689% | 5,952 |
Total domestic deposits to total assets | 86.9010% | 2,888 |
Equity capital to assets | 10.7278% | 3,243 |
Core capital (leverage) ratio | 9.5462% | 4,042 |
Tier 1 risk-based capital ratio | 16.0144% | 3,156 |
Total risk-based capital ratio | 17.2032% | 3,150 |
Memoranda: | ||
Average total assets | $36,041,800 | 6,607 |
Average earning assets | $32,824,800 | 6,586 |
Average equity | $4,165,400 | 6,528 |
Average total loans | $16,115,000 | 6,594 |
2012-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3025% | 4,444 |
Cost of funding earning assets | 0.6187% | 4,464 |
Net interest margin | 3.6838% | 3,862 |
Noninterest income to average assets | 0.2298% | 5,901 |
Noninterest expense to average assets | 1.8685% | 6,583 |
Loan and lease loss provision to assets | 0.0000% | 5,790 |
Net operating income to assets | 1.2605% | 1,540 |
Return on assets (ROA) | 1.2605% | 1,702 |
Pretax return on assets | 1.7165% | 1,228 |
Return on Equity (ROE) | 10.7124% | 2,057 |
Retained earnings to average equity (ytd only) | -15.6590% | 6,919 |
Net charge-offs to loans | -0.0167% | 6,462 |
Credit loss provision to net charge-offs | 0.0000% | 5,158 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 52.1200% | 6,441 |
Assets per employee ($millions) | 4.6300% | 2,703 |
Cash dividends to net income (ytd only)* | 246.1771% | 39 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5615% | 3,686 |
Loan loss allowance to noncurrent loans | 1,218.1818% | 371 |
Noncurrent assets plus other real estate owned to assets | 0.0594% | 6,602 |
Noncurrent loans to loans | 0.1282% | 6,286 |
Net loans and leases to total assets | 45.6129% | 5,808 |
Net loans and leases to deposits | 52.3519% | 5,952 |
Net loans and leases to core deposits | 56.3317% | 5,870 |
Total domestic deposits to total assets | 87.1274% | 2,589 |
Equity capital to assets | 10.3402% | 4,030 |
Core capital (leverage) ratio | 9.4734% | 4,311 |
Tier 1 risk-based capital ratio | 15.1056% | 3,769 |
Total risk-based capital ratio | 16.2769% | 3,781 |
Memoranda: | ||
Average total assets | $35,963,750 | 6,691 |
Average earning assets | $32,755,750 | 6,672 |
Average equity | $4,231,750 | 6,593 |
Average total loans | $15,944,500 | 6,686 |
2012-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2942% | 4,594 |
Cost of funding earning assets | 0.6373% | 4,551 |
Net interest margin | 3.6568% | 4,003 |
Noninterest income to average assets | 0.2415% | 5,846 |
Noninterest expense to average assets | 1.8986% | 6,597 |
Loan and lease loss provision to assets | 0.0000% | 5,619 |
Net operating income to assets | 1.2470% | 1,572 |
Return on assets (ROA) | 1.2470% | 1,748 |
Pretax return on assets | 1.6627% | 1,359 |
Return on Equity (ROE) | 10.1703% | 2,286 |
Retained earnings to average equity (ytd only) | 10.1703% | 931 |
Net charge-offs to loans | -0.0257% | 6,488 |
Credit loss provision to net charge-offs | 0.0000% | 4,809 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 53.3123% | 6,385 |
Assets per employee ($millions) | 4.5643% | 2,778 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6287% | 3,504 |
Loan loss allowance to noncurrent loans | 26,800.0000% | 30 |
Noncurrent assets plus other real estate owned to assets | 0.0027% | 6,859 |
Noncurrent loans to loans | 0.0061% | 6,707 |
Net loans and leases to total assets | 44.3309% | 5,987 |
Net loans and leases to deposits | 51.9164% | 6,032 |
Net loans and leases to core deposits | 73.0889% | 4,153 |
Total domestic deposits to total assets | 85.3892% | 3,669 |
Equity capital to assets | 12.2884% | 1,941 |
Core capital (leverage) ratio | 11.5791% | 1,851 |
Tier 1 risk-based capital ratio | 18.6971% | 2,070 |
Total risk-based capital ratio | 19.8978% | 2,042 |
Memoranda: | ||
Average total assets | $35,605,000 | 6,752 |
Average earning assets | $32,323,000 | 6,728 |
Average equity | $4,365,670 | 6,580 |
Average total loans | $15,538,330 | 6,765 |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4205% | 4,238 |
Cost of funding earning assets | 0.6859% | 4,402 |
Net interest margin | 3.7345% | 3,677 |
Noninterest income to average assets | 0.1821% | 6,290 |
Noninterest expense to average assets | 1.8435% | 6,749 |
Loan and lease loss provision to assets | 0.0000% | 5,254 |
Net operating income to assets | 1.3200% | 1,399 |
Return on assets (ROA) | 1.3200% | 1,568 |
Pretax return on assets | 1.6842% | 1,346 |
Return on Equity (ROE) | 10.7782% | 2,116 |
Retained earnings to average equity (ytd only) | 10.7782% | 1,094 |
Net charge-offs to loans | 0.0000% | 4,730 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 52.2581% | 6,516 |
Assets per employee ($millions) | 4.5626% | 2,874 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8543% | 2,831 |
Loan loss allowance to noncurrent loans | 13,300.0000% | 46 |
Noncurrent assets plus other real estate owned to assets | 0.0055% | 6,930 |
Noncurrent loans to loans | 0.0139% | 6,752 |
Net loans and leases to total assets | 38.5715% | 6,456 |
Net loans and leases to deposits | 44.9191% | 6,496 |
Net loans and leases to core deposits | 44.9191% | 6,623 |
Total domestic deposits to total assets | 85.8689% | 3,608 |
Equity capital to assets | 11.9805% | 2,056 |
Core capital (leverage) ratio | 11.1437% | 2,150 |
Tier 1 risk-based capital ratio | 19.8082% | 1,756 |
Total risk-based capital ratio | 21.1031% | 1,719 |
Memoranda: | ||
Average total assets | $35,150,500 | 6,818 |
Average earning assets | $31,490,000 | 6,808 |
Average equity | $4,305,000 | 6,635 |
Average total loans | $15,080,000 | 6,851 |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5573% | 4,847 |
Cost of funding earning assets | 0.7692% | 5,065 |
Net interest margin | 3.7881% | 3,888 |
Noninterest income to average assets | 0.1812% | 6,196 |
Noninterest expense to average assets | 2.0592% | 6,567 |
Loan and lease loss provision to assets | 0.0000% | 6,496 |
Net operating income to assets | 1.3104% | 1,217 |
Return on assets (ROA) | 1.3104% | 1,328 |
Pretax return on assets | 1.6908% | 1,002 |
Return on Equity (ROE) | 10.9133% | 1,717 |
Retained earnings to average equity (ytd only) | 9.6560% | 639 |
Net charge-offs to loans | 0.0065% | 6,339 |
Credit loss provision to net charge-offs | 0.0000% | 6,066 |
Earnings coverage of net charge-offs (x) | 560.0000% | 57 |
Efficiency ratio | 54.9114% | 6,436 |
Assets per employee ($millions) | 4.2250% | 3,422 |
Cash dividends to net income (ytd only)* | 11.5207% | 3,826 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6819% | 3,271 |
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 | 46.0030% | 6,012 |
Net loans and leases to deposits | 54.2874% | 6,040 |
Net loans and leases to core deposits | 57.4039% | 6,049 |
Total domestic deposits to total assets | 84.7396% | 3,985 |
Equity capital to assets | 12.5355% | 1,778 |
Core capital (leverage) ratio | 11.6954% | 1,768 |
Tier 1 risk-based capital ratio | 18.9091% | 1,931 |
Total risk-based capital ratio | 20.1770% | 1,881 |
Memoranda: | ||
Average total assets | $33,120,200 | 6,890 |
Average earning assets | $31,202,800 | 6,830 |
Average equity | $3,976,800 | 6,753 |
Average total loans | $15,299,000 | 6,889 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5437% | 5,105 |
Cost of funding earning assets | 0.8031% | 5,126 |
Net interest margin | 3.7406% | 4,154 |
Noninterest income to average assets | 0.1700% | 6,372 |
Noninterest expense to average assets | 2.0839% | 6,524 |
Loan and lease loss provision to assets | 0.0000% | 6,393 |
Net operating income to assets | 1.1977% | 1,659 |
Return on assets (ROA) | 1.1977% | 1,772 |
Pretax return on assets | 1.6105% | 1,356 |
Return on Equity (ROE) | 10.0891% | 2,167 |
Retained earnings to average equity (ytd only) | 8.3847% | 1,358 |
Net charge-offs to loans | 0.0000% | 6,185 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 56.4074% | 6,224 |
Assets per employee ($millions) | 4.3045% | 3,267 |
Cash dividends to net income (ytd only)* | 16.8930% | 3,053 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6291% | 3,531 |
Loan loss allowance to noncurrent loans | 13,300.0000% | 42 |
Noncurrent assets plus other real estate owned to assets | 0.0058% | 7,067 |
Noncurrent loans to loans | 0.0122% | 6,922 |
Net loans and leases to total assets | 46.6430% | 6,093 |
Net loans and leases to deposits | 57.3807% | 5,903 |
Net loans and leases to core deposits | 60.2996% | 5,965 |
Total domestic deposits to total assets | 81.2870% | 5,344 |
Equity capital to assets | 11.9991% | 2,250 |
Core capital (leverage) ratio | 11.4627% | 2,053 |
Tier 1 risk-based capital ratio | 17.9027% | 2,290 |
Total risk-based capital ratio | 19.1513% | 2,254 |
Memoranda: | ||
Average total assets | $32,950,250 | 6,954 |
Average earning assets | $31,045,750 | 6,903 |
Average equity | $3,911,750 | 6,830 |
Average total loans | $15,170,000 | 6,960 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4345% | 5,572 |
Cost of funding earning assets | 0.8045% | 5,338 |
Net interest margin | 3.6300% | 4,603 |
Noninterest income to average assets | 0.1972% | 6,261 |
Noninterest expense to average assets | 2.0767% | 6,639 |
Loan and lease loss provision to assets | 0.0000% | 6,217 |
Net operating income to assets | 1.1524% | 1,712 |
Return on assets (ROA) | 1.1524% | 1,793 |
Pretax return on assets | 1.5406% | 1,400 |
Return on Equity (ROE) | 9.7438% | 2,215 |
Retained earnings to average equity (ytd only) | 9.7438% | 908 |
Net charge-offs to loans | 0.0000% | 5,875 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 57.4106% | 6,241 |
Assets per employee ($millions) | 4.0131% | 3,730 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8621% | 2,791 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.1557% | 6,706 |
Noncurrent loans to loans | 0.0000% | 7,026 |
Net loans and leases to total assets | 43.6661% | 6,462 |
Net loans and leases to deposits | 52.2668% | 6,448 |
Net loans and leases to core deposits | 53.3712% | 6,598 |
Total domestic deposits to total assets | 83.5446% | 4,536 |
Equity capital to assets | 12.4778% | 1,789 |
Core capital (leverage) ratio | 11.6706% | 1,798 |
Tier 1 risk-based capital ratio | 19.7083% | 1,668 |
Total risk-based capital ratio | 20.9988% | 1,630 |
Memoranda: | ||
Average total assets | $32,455,000 | 7,035 |
Average earning assets | $30,578,670 | 6,978 |
Average equity | $3,838,330 | 6,891 |
Average total loans | $14,784,000 | 7,046 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4000% | 5,702 |
Cost of funding earning assets | 0.8722% | 5,114 |
Net interest margin | 3.5278% | 4,891 |
Noninterest income to average assets | 0.2084% | 6,243 |
Noninterest expense to average assets | 2.0104% | 6,816 |
Loan and lease loss provision to assets | 0.0000% | 5,840 |
Net operating income to assets | 1.1401% | 1,703 |
Return on assets (ROA) | 1.1401% | 1,747 |
Pretax return on assets | 1.5201% | 1,387 |
Return on Equity (ROE) | 9.9081% | 2,130 |
Retained earnings to average equity (ytd only) | 9.9081% | 1,138 |
Net charge-offs to loans | 0.0000% | 5,107 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 56.9444% | 6,389 |
Assets per employee ($millions) | 4.0846% | 3,676 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9250% | 2,610 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.1530% | 6,783 |
Noncurrent loans to loans | 0.0000% | 7,094 |
Net loans and leases to total assets | 41.6287% | 6,656 |
Net loans and leases to deposits | 48.5804% | 6,716 |
Net loans and leases to core deposits | 49.5628% | 6,797 |
Total domestic deposits to total assets | 85.6902% | 3,697 |
Equity capital to assets | 11.6688% | 2,142 |
Core capital (leverage) ratio | 11.3120% | 1,948 |
Tier 1 risk-based capital ratio | 18.3887% | 1,991 |
Total risk-based capital ratio | 19.6444% | 1,944 |
Memoranda: | ||
Average total assets | $32,630,000 | 7,083 |
Average earning assets | $30,727,000 | 7,025 |
Average equity | $3,754,500 | 6,945 |
Average total loans | $15,033,500 | 7,088 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9342% | 4,861 |
Cost of funding earning assets | 1.0697% | 5,314 |
Net interest margin | 3.8645% | 3,666 |
Noninterest income to average assets | 0.1627% | 6,551 |
Noninterest expense to average assets | 2.1784% | 6,673 |
Loan and lease loss provision to assets | 0.0542% | 6,604 |
Net operating income to assets | 1.1811% | 1,460 |
Return on assets (ROA) | 1.5278% | 781 |
Pretax return on assets | 2.0157% | 464 |
Return on Equity (ROE) | 13.2518% | 1,034 |
Retained earnings to average equity (ytd only) | 10.4853% | 439 |
Net charge-offs to loans | 0.0488% | 6,306 |
Credit loss provision to net charge-offs | 212.5000% | 1,435 |
Earnings coverage of net charge-offs (x) | 63.2500% | 378 |
Efficiency ratio | 57.4432% | 6,397 |
Assets per employee ($millions) | 4.0729% | 3,632 |
Cash dividends to net income (ytd only)* | 20.8768% | 3,412 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6423% | 3,417 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.1535% | 6,848 |
Noncurrent loans to loans | 0.0000% | 7,175 |
Net loans and leases to total assets | 48.8936% | 6,285 |
Net loans and leases to deposits | 62.2889% | 5,825 |
Net loans and leases to core deposits | 63.6705% | 6,085 |
Total domestic deposits to total assets | 78.4949% | 6,216 |
Equity capital to assets | 11.3433% | 2,380 |
Core capital (leverage) ratio | 11.1125% | 2,075 |
Tier 1 risk-based capital ratio | 17.0693% | 2,324 |
Total risk-based capital ratio | 18.3419% | 2,286 |
Memoranda: | ||
Average total assets | $31,353,200 | 7,162 |
Average earning assets | $29,447,600 | 7,112 |
Average equity | $3,614,600 | 7,106 |
Average total loans | $16,403,600 | 7,096 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9598% | 4,993 |
Cost of funding earning assets | 1.0971% | 5,436 |
Net interest margin | 3.8627% | 3,691 |
Noninterest income to average assets | 0.2405% | 6,172 |
Noninterest expense to average assets | 2.1344% | 6,771 |
Loan and lease loss provision to assets | 0.0000% | 6,977 |
Net operating income to assets | 1.2039% | 1,585 |
Return on assets (ROA) | 1.6277% | 771 |
Pretax return on assets | 2.3491% | 302 |
Return on Equity (ROE) | 14.0591% | 1,020 |
Retained earnings to average equity (ytd only) | 14.0591% | 269 |
Net charge-offs to loans | 0.0648% | 5,869 |
Credit loss provision to net charge-offs | 0.0000% | 6,367 |
Earnings coverage of net charge-offs (x) | 50.4827% | 562 |
Efficiency ratio | 55.1609% | 6,662 |
Assets per employee ($millions) | 4.0481% | 3,738 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4455% | 4,230 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.2285% | 6,795 |
Noncurrent loans to loans | 0.0000% | 7,276 |
Net loans and leases to total assets | 52.6324% | 6,025 |
Net loans and leases to deposits | 66.4419% | 5,616 |
Net loans and leases to core deposits | 67.9111% | 5,953 |
Total domestic deposits to total assets | 79.2157% | 5,966 |
Equity capital to assets | 11.5825% | 2,468 |
Core capital (leverage) ratio | 11.2929% | 2,070 |
Tier 1 risk-based capital ratio | 16.8636% | 2,390 |
Total risk-based capital ratio | 18.0452% | 2,375 |
Memoranda: | ||
Average total assets | $31,045,750 | 7,254 |
Average earning assets | $29,167,250 | 7,204 |
Average equity | $3,594,250 | 7,205 |
Average total loans | $16,455,250 | 7,190 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8960% | 5,407 |
Cost of funding earning assets | 1.1058% | 5,640 |
Net interest margin | 3.7902% | 3,936 |
Noninterest income to average assets | 0.2288% | 6,274 |
Noninterest expense to average assets | 2.1504% | 6,764 |
Loan and lease loss provision to assets | 0.0000% | 6,857 |
Net operating income to assets | 1.1394% | 1,726 |
Return on assets (ROA) | 1.7844% | 551 |
Pretax return on assets | 2.5752% | 209 |
Return on Equity (ROE) | 15.4150% | 780 |
Retained earnings to average equity (ytd only) | 15.4150% | 218 |
Net charge-offs to loans | 0.0000% | 6,371 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 56.7241% | 6,541 |
Assets per employee ($millions) | 3.3927% | 5,206 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5566% | 3,641 |
Loan loss allowance to noncurrent loans | 314.6341% | 930 |
Noncurrent assets plus other real estate owned to assets | 0.2686% | 6,732 |
Noncurrent loans to loans | 0.4947% | 6,258 |
Net loans and leases to total assets | 53.4388% | 6,056 |
Net loans and leases to deposits | 65.6752% | 5,851 |
Net loans and leases to core deposits | 66.6272% | 6,195 |
Total domestic deposits to total assets | 81.3683% | 5,260 |
Equity capital to assets | 12.0554% | 2,068 |
Core capital (leverage) ratio | 11.3620% | 2,007 |
Tier 1 risk-based capital ratio | 16.8124% | 2,359 |
Total risk-based capital ratio | 17.9973% | 2,332 |
Memoranda: | ||
Average total assets | $30,599,330 | 7,326 |
Average earning assets | $28,758,000 | 7,268 |
Average equity | $3,542,000 | 7,253 |
Average total loans | $16,175,330 | 7,255 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8253% | 5,787 |
Cost of funding earning assets | 1.1264% | 5,770 |
Net interest margin | 3.6989% | 4,251 |
Noninterest income to average assets | 0.2220% | 6,378 |
Noninterest expense to average assets | 2.0240% | 7,117 |
Loan and lease loss provision to assets | 0.0000% | 6,552 |
Net operating income to assets | 1.1404% | 1,704 |
Return on assets (ROA) | 2.4288% | 185 |
Pretax return on assets | 3.5388% | 98 |
Return on Equity (ROE) | 21.4255% | 305 |
Retained earnings to average equity (ytd only) | 21.4255% | 166 |
Net charge-offs to loans | 0.0000% | 5,609 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 54.7703% | 6,909 |
Assets per employee ($millions) | 3.8874% | 4,128 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7234% | 2,976 |
Loan loss allowance to noncurrent loans | 303.5294% | 987 |
Noncurrent assets plus other real estate owned to assets | 0.2733% | 6,797 |
Noncurrent loans to loans | 0.5678% | 6,165 |
Net loans and leases to total assets | 47.3070% | 6,731 |
Net loans and leases to deposits | 55.3145% | 6,823 |
Net loans and leases to core deposits | 56.0628% | 6,997 |
Total domestic deposits to total assets | 85.5237% | 3,403 |
Equity capital to assets | 11.3283% | 2,480 |
Core capital (leverage) ratio | 10.7482% | 2,417 |
Tier 1 risk-based capital ratio | 16.8800% | 2,311 |
Total risk-based capital ratio | 18.1300% | 2,267 |
Memoranda: | ||
Average total assets | $30,632,000 | 7,420 |
Average earning assets | $28,765,000 | 7,363 |
Average equity | $3,472,500 | 7,352 |
Average total loans | $15,975,500 | 7,352 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.6836% | 3,195 |
Cost of funding earning assets | 1.3563% | 6,113 |
Net interest margin | 4.3273% | 1,639 |
Noninterest income to average assets | 0.2733% | 6,158 |
Noninterest expense to average assets | 2.2979% | 6,756 |
Loan and lease loss provision to assets | 0.2160% | 5,628 |
Net operating income to assets | 1.3059% | 1,019 |
Return on assets (ROA) | 1.3059% | 1,064 |
Pretax return on assets | 1.8289% | 595 |
Return on Equity (ROE) | 11.8989% | 1,189 |
Retained earnings to average equity (ytd only) | 9.2240% | 460 |
Net charge-offs to loans | 1.1323% | 2,161 |
Credit loss provision to net charge-offs | 34.9727% | 6,870 |
Earnings coverage of net charge-offs (x) | 3.3115% | 3,407 |
Efficiency ratio | 52.9138% | 7,326 |
Assets per employee ($millions) | 3.7706% | 4,354 |
Cash dividends to net income (ytd only)* | 22.4806% | 3,594 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5193% | 3,626 |
Loan loss allowance to noncurrent loans | 314.6341% | 1,006 |
Noncurrent assets plus other real estate owned to assets | 0.2718% | 6,772 |
Noncurrent loans to loans | 0.4829% | 6,291 |
Net loans and leases to total assets | 55.4384% | 6,030 |
Net loans and leases to deposits | 65.3370% | 6,132 |
Net loans and leases to core deposits | 68.4107% | 6,857 |
Total domestic deposits to total assets | 84.8500% | 3,618 |
Equity capital to assets | 11.3443% | 2,439 |
Core capital (leverage) ratio | 10.5726% | 2,527 |
Tier 1 risk-based capital ratio | 15.2840% | 2,807 |
Total risk-based capital ratio | 16.2713% | 2,882 |
Memoranda: | ||
Average total assets | $29,635,200 | 7,482 |
Average earning assets | $27,869,800 | 7,434 |
Average equity | $3,252,400 | 7,514 |
Average total loans | $16,162,000 | 7,397 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.5967% | 3,880 |
Cost of funding earning assets | 1.3812% | 6,300 |
Net interest margin | 4.2155% | 1,986 |
Noninterest income to average assets | 0.2712% | 6,290 |
Noninterest expense to average assets | 2.2144% | 6,936 |
Loan and lease loss provision to assets | 0.0452% | 6,917 |
Net operating income to assets | 1.3784% | 1,071 |
Return on assets (ROA) | 1.3784% | 1,131 |
Pretax return on assets | 1.9840% | 557 |
Return on Equity (ROE) | 12.6685% | 1,185 |
Retained earnings to average equity (ytd only) | 12.6685% | 288 |
Net charge-offs to loans | 1.3954% | 1,478 |
Credit loss provision to net charge-offs | 5.9880% | 6,636 |
Earnings coverage of net charge-offs (x) | 2.6886% | 3,885 |
Efficiency ratio | 52.1832% | 7,396 |
Assets per employee ($millions) | 3.8819% | 3,988 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2618% | 4,742 |
Loan loss allowance to noncurrent loans | 207.5472% | 1,424 |
Noncurrent assets plus other real estate owned to assets | 0.3413% | 6,628 |
Noncurrent loans to loans | 0.6080% | 6,091 |
Net loans and leases to total assets | 55.4339% | 6,207 |
Net loans and leases to deposits | 73.2179% | 5,480 |
Net loans and leases to core deposits | 74.6952% | 6,689 |
Total domestic deposits to total assets | 75.7108% | 6,637 |
Equity capital to assets | 11.1029% | 2,922 |
Core capital (leverage) ratio | 10.9699% | 2,423 |
Tier 1 risk-based capital ratio | 14.6205% | 3,213 |
Total risk-based capital ratio | 15.5910% | 3,301 |
Memoranda: | ||
Average total assets | $29,502,750 | 7,557 |
Average earning assets | $27,801,250 | 7,504 |
Average equity | $3,210,000 | 7,592 |
Average total loans | $15,957,250 | 7,472 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.5702% | 4,217 |
Cost of funding earning assets | 1.4273% | 6,389 |
Net interest margin | 4.1429% | 2,184 |
Noninterest income to average assets | 0.2622% | 6,400 |
Noninterest expense to average assets | 2.2977% | 6,763 |
Loan and lease loss provision to assets | 0.0276% | 6,966 |
Net operating income to assets | 1.3248% | 1,176 |
Return on assets (ROA) | 1.3248% | 1,247 |
Pretax return on assets | 1.8423% | 783 |
Return on Equity (ROE) | 12.2657% | 1,340 |
Retained earnings to average equity (ytd only) | 12.2657% | 405 |
Net charge-offs to loans | 1.9528% | 951 |
Credit loss provision to net charge-offs | 2.6490% | 6,230 |
Earnings coverage of net charge-offs (x) | 1.7947% | 4,214 |
Efficiency ratio | 55.1325% | 7,213 |
Assets per employee ($millions) | 3.5359% | 4,717 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4815% | 3,299 |
Loan loss allowance to noncurrent loans | 696.9697% | 490 |
Noncurrent assets plus other real estate owned to assets | 0.1167% | 7,268 |
Noncurrent loans to loans | 0.2126% | 6,984 |
Net loans and leases to total assets | 54.0708% | 6,442 |
Net loans and leases to deposits | 64.1192% | 6,551 |
Net loans and leases to core deposits | 65.3940% | 7,238 |
Total domestic deposits to total assets | 84.3285% | 3,582 |
Equity capital to assets | 11.4576% | 2,568 |
Core capital (leverage) ratio | 10.7252% | 2,634 |
Tier 1 risk-based capital ratio | 15.3150% | 2,881 |
Total risk-based capital ratio | 16.4580% | 2,865 |
Memoranda: | ||
Average total assets | $28,985,330 | 7,645 |
Average earning assets | $27,324,000 | 7,584 |
Average equity | $3,130,670 | 7,690 |
Average total loans | $15,464,670 | 7,564 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.6527% | 4,034 |
Cost of funding earning assets | 1.4746% | 6,489 |
Net interest margin | 4.1781% | 1,985 |
Noninterest income to average assets | 0.2182% | 6,730 |
Noninterest expense to average assets | 2.1272% | 7,058 |
Loan and lease loss provision to assets | 0.0000% | 6,744 |
Net operating income to assets | 1.4863% | 965 |
Return on assets (ROA) | 1.4863% | 1,036 |
Pretax return on assets | 2.0317% | 630 |
Return on Equity (ROE) | 14.1766% | 1,133 |
Retained earnings to average equity (ytd only) | 14.1766% | 503 |
Net charge-offs to loans | 0.0000% | 5,728 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 51.1475% | 7,496 |
Assets per employee ($millions) | 3.6103% | 4,541 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.6305% | 664 |
Loan loss allowance to noncurrent loans | 206.0109% | 1,616 |
Noncurrent assets plus other real estate owned to assets | 0.6336% | 5,588 |
Noncurrent loans to loans | 1.2769% | 4,427 |
Net loans and leases to total assets | 48.3173% | 6,998 |
Net loans and leases to deposits | 56.4089% | 7,142 |
Net loans and leases to core deposits | 57.9671% | 7,528 |
Total domestic deposits to total assets | 85.6554% | 2,897 |
Equity capital to assets | 10.9618% | 2,995 |
Core capital (leverage) ratio | 10.5048% | 2,920 |
Tier 1 risk-based capital ratio | 14.9471% | 3,094 |
Total risk-based capital ratio | 15.8916% | 3,166 |
Memoranda: | ||
Average total assets | $29,334,500 | 7,673 |
Average earning assets | $27,668,000 | 7,623 |
Average equity | $3,075,500 | 7,757 |
Average total loans | $15,434,500 | 7,611 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.1889% | 4,572 |
Cost of funding earning assets | 2.2308% | 5,456 |
Net interest margin | 3.9581% | 3,318 |
Noninterest income to average assets | 0.2820% | 6,447 |
Noninterest expense to average assets | 2.1115% | 7,208 |
Loan and lease loss provision to assets | 0.0000% | 7,334 |
Net operating income to assets | 1.3240% | 1,417 |
Return on assets (ROA) | 1.3240% | 1,368 |
Pretax return on assets | 1.8742% | 809 |
Return on Equity (ROE) | 13.5966% | 1,187 |
Retained earnings to average equity (ytd only) | 4.7676% | 2,171 |
Net charge-offs to loans | 0.0066% | 6,869 |
Credit loss provision to net charge-offs | 0.0000% | 6,652 |
Earnings coverage of net charge-offs (x) | 545.0000% | 104 |
Efficiency ratio | 52.9767% | 7,385 |
Assets per employee ($millions) | 3.7234% | 4,122 |
Cash dividends to net income (ytd only)* | 64.9351% | 2,417 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.2858% | 871 |
Loan loss allowance to noncurrent loans | 1,260.0000% | 424 |
Noncurrent assets plus other real estate owned to assets | 0.1007% | 7,178 |
Noncurrent loans to loans | 0.1814% | 6,844 |
Net loans and leases to total assets | 54.2485% | 6,630 |
Net loans and leases to deposits | 70.9039% | 6,182 |
Net loans and leases to core deposits | 74.6995% | 6,926 |
Total domestic deposits to total assets | 76.5099% | 6,117 |
Equity capital to assets | 10.0212% | 4,013 |
Core capital (leverage) ratio | 9.5189% | 3,993 |
Tier 1 risk-based capital ratio | 13.5406% | 3,801 |
Total risk-based capital ratio | 14.4107% | 3,932 |
Memoranda: | ||
Average total assets | $29,079,200 | 7,680 |
Average earning assets | $27,210,000 | 7,657 |
Average equity | $2,831,600 | 7,887 |
Average total loans | $15,227,400 | 7,630 |