Home > Gateway Business Bank > Performance and Condition Ratios
Gateway Business Bank, Performance and Condition Ratios
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 | 3.7806% | 6,191 |
Cost of funding earning assets | 0.6719% | 4,258 |
Net interest margin | 3.1087% | 5,981 |
Noninterest income to average assets | 21.1401% | 37 |
Noninterest expense to average assets | 22.3863% | 35 |
Loan and lease loss provision to assets | 0.0000% | 5,619 |
Net operating income to assets | 1.4970% | 994 |
Return on assets (ROA) | 1.4970% | 1,113 |
Pretax return on assets | 1.6762% | 1,325 |
Return on Equity (ROE) | 12.7164% | 1,441 |
Retained earnings to average equity (ytd only) | 12.7164% | 474 |
Net charge-offs to loans | 0.0856% | 4,293 |
Credit loss provision to net charge-offs | 0.0000% | 4,809 |
Earnings coverage of net charge-offs (x) | 28.0536% | 1,115 |
Efficiency ratio | 93.0339% | 862 |
Assets per employee ($millions) | 0.5054% | 7,202 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.2306% | 1,704 |
Loan loss allowance to noncurrent loans | 45.2770% | 5,372 |
Noncurrent assets plus other real estate owned to assets | 3.9153% | 1,324 |
Noncurrent loans to loans | 4.9265% | 1,013 |
Net loans and leases to total assets | 68.8977% | 2,120 |
Net loans and leases to deposits | 82.7731% | 2,013 |
Net loans and leases to core deposits | 84.6863% | 2,604 |
Total domestic deposits to total assets | 83.2369% | 4,660 |
Equity capital to assets | 12.6466% | 1,726 |
Core capital (leverage) ratio | 12.5051% | 1,348 |
Tier 1 risk-based capital ratio | 23.9491% | 1,020 |
Total risk-based capital ratio | 25.2212% | 997 |
Memoranda: | ||
Average total assets | $187,445,000 | 3,246 |
Average earning assets | $176,215,670 | 3,187 |
Average equity | $22,066,000 | 2,979 |
Average total loans | $130,878,670 | 2,913 |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7987% | 6,247 |
Cost of funding earning assets | 0.6988% | 4,290 |
Net interest margin | 3.1000% | 6,042 |
Noninterest income to average assets | 18.3316% | 39 |
Noninterest expense to average assets | 20.9107% | 32 |
Loan and lease loss provision to assets | 0.0000% | 5,254 |
Net operating income to assets | 0.3508% | 5,475 |
Return on assets (ROA) | 0.3508% | 5,650 |
Pretax return on assets | 0.3466% | 5,868 |
Return on Equity (ROE) | 3.0889% | 5,685 |
Retained earnings to average equity (ytd only) | 3.0889% | 4,706 |
Net charge-offs to loans | -0.1873% | 6,977 |
Credit loss provision to net charge-offs | 0.0000% | 3,998 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 98.3697% | 616 |
Assets per employee ($millions) | 0.4976% | 7,269 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.4566% | 1,417 |
Loan loss allowance to noncurrent loans | 41.2557% | 5,546 |
Noncurrent assets plus other real estate owned to assets | 4.9970% | 1,043 |
Noncurrent loans to loans | 5.9545% | 843 |
Net loans and leases to total assets | 65.6525% | 2,531 |
Net loans and leases to deposits | 77.3070% | 2,627 |
Net loans and leases to core deposits | 78.8088% | 3,210 |
Total domestic deposits to total assets | 84.9245% | 4,081 |
Equity capital to assets | 12.0860% | 1,982 |
Core capital (leverage) ratio | 11.7711% | 1,723 |
Tier 1 risk-based capital ratio | 25.1116% | 893 |
Total risk-based capital ratio | 26.3904% | 873 |
Memoranda: | ||
Average total assets | $190,447,500 | 3,226 |
Average earning assets | $179,744,500 | 3,150 |
Average equity | $21,626,000 | 3,021 |
Average total loans | $132,388,000 | 2,900 |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8071% | 6,719 |
Cost of funding earning assets | 0.9277% | 3,900 |
Net interest margin | 2.8795% | 6,722 |
Noninterest income to average assets | 15.1884% | 41 |
Noninterest expense to average assets | 20.6609% | 31 |
Loan and lease loss provision to assets | -0.4326% | 7,331 |
Net operating income to assets | -4.0290% | 7,255 |
Return on assets (ROA) | -4.0290% | 7,260 |
Pretax return on assets | -2.3578% | 7,094 |
Return on Equity (ROE) | -30.3829% | 7,096 |
Retained earnings to average equity (ytd only) | -30.3829% | 7,089 |
Net charge-offs to loans | 0.0049% | 6,367 |
Credit loss provision to net charge-offs | -13,650.0000% | 6,966 |
Earnings coverage of net charge-offs (x) | -880.5000% | 6,439 |
Efficiency ratio | 114.0598% | 365 |
Assets per employee ($millions) | 0.5718% | 7,315 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0212% | 2,208 |
Loan loss allowance to noncurrent loans | 39.5485% | 5,629 |
Noncurrent assets plus other real estate owned to assets | 5.0600% | 1,053 |
Noncurrent loans to loans | 5.1107% | 1,095 |
Net loans and leases to total assets | 70.0401% | 2,021 |
Net loans and leases to deposits | 81.3245% | 2,303 |
Net loans and leases to core deposits | 82.8307% | 3,054 |
Total domestic deposits to total assets | 86.1243% | 3,245 |
Equity capital to assets | 10.7032% | 3,301 |
Core capital (leverage) ratio | 11.8880% | 1,665 |
Tier 1 risk-based capital ratio | 21.6505% | 1,289 |
Total risk-based capital ratio | 22.9233% | 1,255 |
Memoranda: | ||
Average total assets | $189,328,600 | 3,192 |
Average earning assets | $176,353,000 | 3,138 |
Average equity | $25,106,200 | 2,570 |
Average total loans | $122,778,000 | 3,126 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7406% | 6,895 |
Cost of funding earning assets | 0.9903% | 3,747 |
Net interest margin | 2.7503% | 6,947 |
Noninterest income to average assets | 15.0764% | 43 |
Noninterest expense to average assets | 19.6327% | 34 |
Loan and lease loss provision to assets | 0.0000% | 6,393 |
Net operating income to assets | -4.2673% | 7,348 |
Return on assets (ROA) | -4.2673% | 7,352 |
Pretax return on assets | -2.0048% | 7,125 |
Return on Equity (ROE) | -30.5871% | 7,197 |
Retained earnings to average equity (ytd only) | -30.5871% | 7,190 |
Net charge-offs to loans | -0.9248% | 7,379 |
Credit loss provision to net charge-offs | 0.0000% | 5,735 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 111.1783% | 410 |
Assets per employee ($millions) | 0.5319% | 7,397 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.4187% | 604 |
Loan loss allowance to noncurrent loans | 73.9152% | 3,812 |
Noncurrent assets plus other real estate owned to assets | 5.2684% | 1,081 |
Noncurrent loans to loans | 4.6251% | 1,393 |
Net loans and leases to total assets | 69.6126% | 2,157 |
Net loans and leases to deposits | 83.9240% | 2,016 |
Net loans and leases to core deposits | 85.5416% | 2,843 |
Total domestic deposits to total assets | 82.9471% | 4,707 |
Equity capital to assets | 12.5728% | 1,868 |
Core capital (leverage) ratio | 13.0678% | 1,204 |
Tier 1 risk-based capital ratio | 24.9480% | 919 |
Total risk-based capital ratio | 26.2460% | 904 |
Memoranda: | ||
Average total assets | $186,344,250 | 3,256 |
Average earning assets | $172,875,500 | 3,202 |
Average equity | $25,997,250 | 2,483 |
Average total loans | $117,503,750 | 3,251 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6788% | 7,029 |
Cost of funding earning assets | 1.0414% | 3,661 |
Net interest margin | 2.6375% | 7,088 |
Noninterest income to average assets | 13.4860% | 49 |
Noninterest expense to average assets | 18.8119% | 35 |
Loan and lease loss provision to assets | 0.0000% | 6,217 |
Net operating income to assets | -6.2642% | 7,466 |
Return on assets (ROA) | -6.2642% | 7,468 |
Pretax return on assets | -2.8844% | 7,294 |
Return on Equity (ROE) | -43.4869% | 7,324 |
Retained earnings to average equity (ytd only) | -43.4869% | 7,319 |
Net charge-offs to loans | 0.1211% | 4,505 |
Credit loss provision to net charge-offs | 0.0000% | 5,336 |
Earnings coverage of net charge-offs (x) | -39.6471% | 5,855 |
Efficiency ratio | 117.8948% | 362 |
Assets per employee ($millions) | 0.5592% | 7,469 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.3446% | 671 |
Loan loss allowance to noncurrent loans | 70.9584% | 3,899 |
Noncurrent assets plus other real estate owned to assets | 5.4000% | 1,097 |
Noncurrent loans to loans | 4.7135% | 1,396 |
Net loans and leases to total assets | 60.3180% | 4,213 |
Net loans and leases to deposits | 71.5179% | 4,198 |
Net loans and leases to core deposits | 73.1984% | 4,685 |
Total domestic deposits to total assets | 84.3397% | 4,196 |
Equity capital to assets | 13.2780% | 1,396 |
Core capital (leverage) ratio | 12.7224% | 1,282 |
Tier 1 risk-based capital ratio | 27.3781% | 704 |
Total risk-based capital ratio | 28.6689% | 690 |
Memoranda: | ||
Average total assets | $186,934,670 | 3,269 |
Average earning assets | $173,044,330 | 3,223 |
Average equity | $26,927,670 | 2,389 |
Average total loans | $112,327,000 | 3,405 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5701% | 7,160 |
Cost of funding earning assets | 1.0509% | 3,846 |
Net interest margin | 2.5191% | 7,180 |
Noninterest income to average assets | 13.3537% | 52 |
Noninterest expense to average assets | 18.8280% | 39 |
Loan and lease loss provision to assets | 0.0000% | 5,840 |
Net operating income to assets | -1.8130% | 7,257 |
Return on assets (ROA) | -1.8130% | 7,255 |
Pretax return on assets | -3.1297% | 7,386 |
Return on Equity (ROE) | -12.1529% | 7,078 |
Retained earnings to average equity (ytd only) | -12.1529% | 6,947 |
Net charge-offs to loans | -0.2427% | 7,299 |
Credit loss provision to net charge-offs | 0.0000% | 4,480 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 119.7248% | 346 |
Assets per employee ($millions) | 0.5407% | 7,532 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.8221% | 479 |
Loan loss allowance to noncurrent loans | 47.8721% | 5,125 |
Noncurrent assets plus other real estate owned to assets | 5.4143% | 1,127 |
Noncurrent loans to loans | 7.9840% | 630 |
Net loans and leases to total assets | 51.1352% | 5,698 |
Net loans and leases to deposits | 62.1126% | 5,484 |
Net loans and leases to core deposits | 63.7282% | 5,761 |
Total domestic deposits to total assets | 82.3267% | 5,177 |
Equity capital to assets | 15.1243% | 738 |
Core capital (leverage) ratio | 13.1477% | 1,077 |
Tier 1 risk-based capital ratio | 33.2796% | 396 |
Total risk-based capital ratio | 34.5782% | 389 |
Memoranda: | ||
Average total assets | $192,606,500 | 3,212 |
Average earning assets | $179,268,500 | 3,157 |
Average equity | $28,734,000 | 2,251 |
Average total loans | $113,701,500 | 3,395 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4994% | 6,404 |
Cost of funding earning assets | 1.3564% | 3,530 |
Net interest margin | 3.1431% | 6,406 |
Noninterest income to average assets | 16.8948% | 43 |
Noninterest expense to average assets | 17.7742% | 44 |
Loan and lease loss provision to assets | 1.3780% | 1,094 |
Net operating income to assets | 0.1956% | 5,275 |
Return on assets (ROA) | 0.1956% | 5,452 |
Pretax return on assets | 0.5641% | 4,436 |
Return on Equity (ROE) | 1.3770% | 5,596 |
Retained earnings to average equity (ytd only) | 1.3770% | 4,854 |
Net charge-offs to loans | 1.7824% | 1,190 |
Credit loss provision to net charge-offs | 112.3937% | 3,885 |
Earnings coverage of net charge-offs (x) | 1.5840% | 4,547 |
Efficiency ratio | 89.9861% | 1,327 |
Assets per employee ($millions) | 0.5458% | 7,615 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.9180% | 936 |
Loan loss allowance to noncurrent loans | 43.5335% | 5,413 |
Noncurrent assets plus other real estate owned to assets | 5.4190% | 1,142 |
Noncurrent loans to loans | 6.7029% | 870 |
Net loans and leases to total assets | 62.6882% | 4,131 |
Net loans and leases to deposits | 75.5161% | 3,914 |
Net loans and leases to core deposits | 77.3532% | 4,539 |
Total domestic deposits to total assets | 83.0131% | 4,791 |
Equity capital to assets | 14.7241% | 856 |
Core capital (leverage) ratio | 13.5358% | 971 |
Tier 1 risk-based capital ratio | 29.8931% | 511 |
Total risk-based capital ratio | 31.1784% | 500 |
Memoranda: | ||
Average total assets | $201,381,600 | 3,084 |
Average earning assets | $180,778,200 | 3,113 |
Average equity | $28,612,200 | 2,269 |
Average total loans | $138,523,200 | 2,977 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6108% | 6,307 |
Cost of funding earning assets | 1.4144% | 3,494 |
Net interest margin | 3.1965% | 6,353 |
Noninterest income to average assets | 15.9846% | 44 |
Noninterest expense to average assets | 17.0937% | 47 |
Loan and lease loss provision to assets | 1.5153% | 873 |
Net operating income to assets | 0.1095% | 5,748 |
Return on assets (ROA) | 0.1095% | 5,901 |
Pretax return on assets | 0.2130% | 5,700 |
Return on Equity (ROE) | 0.7773% | 5,953 |
Retained earnings to average equity (ytd only) | 0.7773% | 5,498 |
Net charge-offs to loans | 2.0617% | 904 |
Credit loss provision to net charge-offs | 105.2680% | 4,069 |
Earnings coverage of net charge-offs (x) | 1.2006% | 4,865 |
Efficiency ratio | 90.6495% | 1,236 |
Assets per employee ($millions) | 0.5466% | 7,720 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.3999% | 1,474 |
Loan loss allowance to noncurrent loans | 42.1416% | 5,482 |
Noncurrent assets plus other real estate owned to assets | 5.1847% | 1,216 |
Noncurrent loans to loans | 5.6949% | 1,147 |
Net loans and leases to total assets | 71.4126% | 2,378 |
Net loans and leases to deposits | 85.8351% | 2,380 |
Net loans and leases to core deposits | 88.0142% | 3,369 |
Total domestic deposits to total assets | 83.1975% | 4,506 |
Equity capital to assets | 14.3485% | 1,065 |
Core capital (leverage) ratio | 13.7904% | 967 |
Tier 1 risk-based capital ratio | 23.8430% | 966 |
Total risk-based capital ratio | 25.1175% | 938 |
Memoranda: | ||
Average total assets | $202,197,750 | 3,112 |
Average earning assets | $179,485,250 | 3,162 |
Average equity | $28,472,500 | 2,312 |
Average total loans | $141,171,750 | 2,959 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6442% | 6,331 |
Cost of funding earning assets | 1.5264% | 3,096 |
Net interest margin | 3.1178% | 6,558 |
Noninterest income to average assets | 14.6659% | 48 |
Noninterest expense to average assets | 16.7592% | 47 |
Loan and lease loss provision to assets | 2.2712% | 517 |
Net operating income to assets | -0.9369% | 6,918 |
Return on assets (ROA) | -0.9369% | 6,935 |
Pretax return on assets | -1.6169% | 7,119 |
Return on Equity (ROE) | -6.6959% | 6,817 |
Retained earnings to average equity (ytd only) | -6.6959% | 6,714 |
Net charge-offs to loans | 3.3086% | 454 |
Credit loss provision to net charge-offs | 99.9130% | 4,120 |
Earnings coverage of net charge-offs (x) | 0.2878% | 5,440 |
Efficiency ratio | 96.0611% | 962 |
Assets per employee ($millions) | 0.5264% | 7,789 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.4682% | 1,339 |
Loan loss allowance to noncurrent loans | 64.8306% | 4,095 |
Noncurrent assets plus other real estate owned to assets | 5.0917% | 1,250 |
Noncurrent loans to loans | 3.8072% | 2,026 |
Net loans and leases to total assets | 71.2249% | 2,608 |
Net loans and leases to deposits | 86.5587% | 2,422 |
Net loans and leases to core deposits | 88.5245% | 3,482 |
Total domestic deposits to total assets | 82.2851% | 4,871 |
Equity capital to assets | 14.6452% | 963 |
Core capital (leverage) ratio | 12.9049% | 1,242 |
Tier 1 risk-based capital ratio | 21.9538% | 1,212 |
Total risk-based capital ratio | 23.2263% | 1,181 |
Memoranda: | ||
Average total assets | $202,361,000 | 3,131 |
Average earning assets | $178,329,000 | 3,213 |
Average equity | $28,316,000 | 2,316 |
Average total loans | $139,033,330 | 3,036 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2554% | 7,200 |
Cost of funding earning assets | 1.6642% | 2,573 |
Net interest margin | 2.5912% | 7,398 |
Noninterest income to average assets | 12.9456% | 57 |
Noninterest expense to average assets | 15.2148% | 49 |
Loan and lease loss provision to assets | 1.4386% | 823 |
Net operating income to assets | -0.8286% | 7,020 |
Return on assets (ROA) | -0.8286% | 7,049 |
Pretax return on assets | -1.4290% | 7,233 |
Return on Equity (ROE) | -6.0504% | 6,943 |
Retained earnings to average equity (ytd only) | -6.0504% | 6,665 |
Net charge-offs to loans | 1.2934% | 1,322 |
Credit loss provision to net charge-offs | 166.6667% | 2,176 |
Earnings coverage of net charge-offs (x) | 0.0111% | 5,015 |
Efficiency ratio | 99.7354% | 849 |
Assets per employee ($millions) | 0.5907% | 7,889 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.7539% | 1,031 |
Loan loss allowance to noncurrent loans | 64.0488% | 4,170 |
Noncurrent assets plus other real estate owned to assets | 6.4260% | 895 |
Noncurrent loans to loans | 4.2996% | 1,769 |
Net loans and leases to total assets | 65.5301% | 3,977 |
Net loans and leases to deposits | 78.7165% | 3,903 |
Net loans and leases to core deposits | 81.9729% | 4,490 |
Total domestic deposits to total assets | 83.2483% | 4,502 |
Equity capital to assets | 14.1128% | 1,109 |
Core capital (leverage) ratio | 12.6259% | 1,356 |
Tier 1 risk-based capital ratio | 22.1862% | 1,180 |
Total risk-based capital ratio | 23.4601% | 1,151 |
Memoranda: | ||
Average total assets | $208,534,000 | 3,114 |
Average earning assets | $183,392,500 | 3,217 |
Average equity | $28,560,000 | 2,326 |
Average total loans | $139,168,500 | 3,092 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2913% | 5,220 |
Cost of funding earning assets | 2.3658% | 1,407 |
Net interest margin | 2.9256% | 6,812 |
Noninterest income to average assets | 14.2715% | 51 |
Noninterest expense to average assets | 15.5750% | 58 |
Loan and lease loss provision to assets | 4.5204% | 258 |
Net operating income to assets | -1.7094% | 6,966 |
Return on assets (ROA) | -1.7094% | 6,971 |
Pretax return on assets | -3.2293% | 7,352 |
Return on Equity (ROE) | -12.8433% | 6,821 |
Retained earnings to average equity (ytd only) | -12.8433% | 6,745 |
Net charge-offs to loans | 6.1752% | 165 |
Credit loss provision to net charge-offs | 94.5133% | 5,829 |
Earnings coverage of net charge-offs (x) | 0.2699% | 5,843 |
Efficiency ratio | 92.1798% | 1,552 |
Assets per employee ($millions) | 0.5516% | 7,971 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.3965% | 1,355 |
Loan loss allowance to noncurrent loans | 40.9536% | 5,668 |
Noncurrent assets plus other real estate owned to assets | 7.7857% | 593 |
Noncurrent loans to loans | 5.8517% | 1,072 |
Net loans and leases to total assets | 64.5487% | 4,486 |
Net loans and leases to deposits | 76.7180% | 4,623 |
Net loans and leases to core deposits | 109.8844% | 2,905 |
Total domestic deposits to total assets | 84.1377% | 3,968 |
Equity capital to assets | 13.3081% | 1,392 |
Core capital (leverage) ratio | 12.2258% | 1,564 |
Tier 1 risk-based capital ratio | 20.1781% | 1,428 |
Total risk-based capital ratio | 21.4440% | 1,388 |
Memoranda: | ||
Average total assets | $232,834,400 | 2,789 |
Average earning assets | $206,488,200 | 2,880 |
Average equity | $30,988,800 | 2,168 |
Average total loans | $180,332,800 | 2,509 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.4071% | 4,913 |
Cost of funding earning assets | 2.4708% | 1,388 |
Net interest margin | 2.9363% | 6,760 |
Noninterest income to average assets | 14.8596% | 50 |
Noninterest expense to average assets | 14.9457% | 62 |
Loan and lease loss provision to assets | 4.0086% | 302 |
Net operating income to assets | -0.8630% | 6,739 |
Return on assets (ROA) | -0.8630% | 6,734 |
Pretax return on assets | -1.4864% | 6,956 |
Return on Equity (ROE) | -6.4843% | 6,604 |
Retained earnings to average equity (ytd only) | -6.4843% | 6,442 |
Net charge-offs to loans | 5.1282% | 213 |
Credit loss provision to net charge-offs | 97.6696% | 5,231 |
Earnings coverage of net charge-offs (x) | 0.6145% | 5,414 |
Efficiency ratio | 85.4065% | 2,139 |
Assets per employee ($millions) | 0.5839% | 8,055 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.4935% | 1,069 |
Loan loss allowance to noncurrent loans | 29.7355% | 6,476 |
Noncurrent assets plus other real estate owned to assets | 8.8332% | 447 |
Noncurrent loans to loans | 8.3857% | 555 |
Net loans and leases to total assets | 63.4946% | 4,980 |
Net loans and leases to deposits | 75.3965% | 5,138 |
Net loans and leases to core deposits | 106.2364% | 3,677 |
Total domestic deposits to total assets | 84.2142% | 3,621 |
Equity capital to assets | 12.9023% | 1,732 |
Core capital (leverage) ratio | 11.4042% | 2,119 |
Tier 1 risk-based capital ratio | 19.2965% | 1,686 |
Total risk-based capital ratio | 20.5628% | 1,650 |
Memoranda: | ||
Average total assets | $236,985,750 | 2,760 |
Average earning assets | $210,509,250 | 2,850 |
Average equity | $31,542,000 | 2,141 |
Average total loans | $189,666,000 | 2,431 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.9245% | 2,480 |
Cost of funding earning assets | 2.5532% | 1,437 |
Net interest margin | 3.3713% | 5,283 |
Noninterest income to average assets | 14.9457% | 51 |
Noninterest expense to average assets | 15.0176% | 67 |
Loan and lease loss provision to assets | 3.5507% | 400 |
Net operating income to assets | -0.3568% | 6,405 |
Return on assets (ROA) | -0.3568% | 6,411 |
Pretax return on assets | -0.6163% | 6,541 |
Return on Equity (ROE) | -2.6532% | 6,321 |
Retained earnings to average equity (ytd only) | -2.6532% | 5,901 |
Net charge-offs to loans | 3.4049% | 462 |
Credit loss provision to net charge-offs | 122.6277% | 3,794 |
Earnings coverage of net charge-offs (x) | 1.0134% | 4,770 |
Efficiency ratio | 83.5036% | 2,541 |
Assets per employee ($millions) | 0.6753% | 8,148 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.2832% | 1,121 |
Loan loss allowance to noncurrent loans | 31.0076% | 6,400 |
Noncurrent assets plus other real estate owned to assets | 8.4459% | 426 |
Noncurrent loans to loans | 7.3634% | 645 |
Net loans and leases to total assets | 75.6902% | 2,260 |
Net loans and leases to deposits | 90.0175% | 2,830 |
Net loans and leases to core deposits | 126.5758% | 1,812 |
Total domestic deposits to total assets | 84.0839% | 3,715 |
Equity capital to assets | 11.7019% | 2,384 |
Core capital (leverage) ratio | 11.3089% | 2,188 |
Tier 1 risk-based capital ratio | 14.6004% | 3,191 |
Total risk-based capital ratio | 15.8642% | 3,128 |
Memoranda: | ||
Average total assets | $236,576,330 | 2,783 |
Average earning assets | $210,955,000 | 2,856 |
Average equity | $31,811,000 | 2,128 |
Average total loans | $201,181,000 | 2,341 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.0095% | 2,324 |
Cost of funding earning assets | 2.5221% | 1,833 |
Net interest margin | 3.4874% | 4,780 |
Noninterest income to average assets | 15.3516% | 49 |
Noninterest expense to average assets | 14.8634% | 68 |
Loan and lease loss provision to assets | 6.6273% | 106 |
Net operating income to assets | -1.7386% | 7,584 |
Return on assets (ROA) | -1.7386% | 7,587 |
Pretax return on assets | -3.0019% | 7,759 |
Return on Equity (ROE) | -11.9647% | 7,469 |
Retained earnings to average equity (ytd only) | -11.9647% | 7,262 |
Net charge-offs to loans | 6.8808% | 126 |
Credit loss provision to net charge-offs | 107.3120% | 3,565 |
Earnings coverage of net charge-offs (x) | 0.5870% | 4,526 |
Efficiency ratio | 80.2334% | 2,779 |
Assets per employee ($millions) | 0.6561% | 8,202 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9987% | 1,424 |
Loan loss allowance to noncurrent loans | 30.4982% | 6,514 |
Noncurrent assets plus other real estate owned to assets | 7.1040% | 471 |
Noncurrent loans to loans | 6.5535% | 665 |
Net loans and leases to total assets | 87.9791% | 268 |
Net loans and leases to deposits | 113.8214% | 455 |
Net loans and leases to core deposits | 162.0327% | 467 |
Total domestic deposits to total assets | 77.2958% | 6,208 |
Equity capital to assets | 13.1142% | 1,694 |
Core capital (leverage) ratio | 13.3576% | 1,368 |
Tier 1 risk-based capital ratio | 14.5919% | 3,261 |
Total risk-based capital ratio | 15.8532% | 3,185 |
Memoranda: | ||
Average total assets | $218,792,000 | 3,000 |
Average earning assets | $196,822,500 | 3,053 |
Average equity | $31,793,500 | 2,131 |
Average total loans | $196,371,500 | 2,408 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 7.5494% | 374 |
Cost of funding earning assets | 2.8886% | 2,317 |
Net interest margin | 4.6608% | 1,042 |
Noninterest income to average assets | 12.7669% | 69 |
Noninterest expense to average assets | 14.3454% | 78 |
Loan and lease loss provision to assets | 3.0916% | 293 |
Net operating income to assets | -0.2530% | 6,684 |
Return on assets (ROA) | -0.2530% | 6,528 |
Pretax return on assets | -0.4362% | 6,587 |
Return on Equity (ROE) | -1.4253% | 6,420 |
Retained earnings to average equity (ytd only) | -1.4253% | 5,717 |
Net charge-offs to loans | 2.8231% | 329 |
Credit loss provision to net charge-offs | 120.4000% | 4,457 |
Earnings coverage of net charge-offs (x) | 1.0341% | 5,613 |
Efficiency ratio | 84.1744% | 2,037 |
Assets per employee ($millions) | 0.5762% | 8,255 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.2640% | 889 |
Loan loss allowance to noncurrent loans | 52.5508% | 5,377 |
Noncurrent assets plus other real estate owned to assets | 5.3322% | 618 |
Noncurrent loans to loans | 4.3083% | 1,117 |
Net loans and leases to total assets | 87.6961% | 393 |
Net loans and leases to deposits | 114.4774% | 593 |
Net loans and leases to core deposits | 152.5564% | 763 |
Total domestic deposits to total assets | 76.6056% | 6,095 |
Equity capital to assets | 16.2340% | 894 |
Core capital (leverage) ratio | 15.6626% | 888 |
Tier 1 risk-based capital ratio | 13.8745% | 3,604 |
Total risk-based capital ratio | 15.1321% | 3,524 |
Memoranda: | ||
Average total assets | $184,986,200 | 3,340 |
Average earning assets | $168,039,600 | 3,363 |
Average equity | $32,835,600 | 2,061 |
Average total loans | $168,252,600 | 2,636 |