Home > Granite Savings Bank > Performance and Condition Ratios
Granite Savings Bank, Performance and Condition Ratios
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 | 2.8596% | 6,162 |
Cost of funding earning assets | 0.5688% | 2,055 |
Net interest margin | 2.2908% | 6,274 |
Noninterest income to average assets | 0.3435% | 4,643 |
Noninterest expense to average assets | 3.8224% | 956 |
Loan and lease loss provision to assets | 0.0000% | 4,603 |
Net operating income to assets | -1.9112% | 6,453 |
Return on assets (ROA) | -1.0055% | 6,381 |
Pretax return on assets | -0.6106% | 6,310 |
Return on Equity (ROE) | -7.1954% | 6,326 |
Retained earnings to average equity (ytd only) | -7.1954% | 6,247 |
Net charge-offs to loans | 0.0000% | 4,970 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 165.7543% | 37 |
Assets per employee ($millions) | 4.9981% | 2,324 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9386% | 1,222 |
Loan loss allowance to noncurrent loans | 136.9021% | 3,009 |
Noncurrent assets plus other real estate owned to assets | 0.6756% | 3,551 |
Noncurrent loans to loans | 1.4161% | 2,075 |
Net loans and leases to total assets | 46.7872% | 5,264 |
Net loans and leases to deposits | 54.4520% | 5,296 |
Net loans and leases to core deposits | 58.8862% | 5,207 |
Total domestic deposits to total assets | 85.9238% | 2,884 |
Equity capital to assets | 13.5037% | 1,158 |
Core capital (leverage) ratio | 13.7192% | 896 |
Tier 1 risk-based capital ratio | 24.6449% | 873 |
Total risk-based capital ratio | 25.9004% | 855 |
Memoranda: | ||
Average total assets | $68,125,200 | 5,341 |
Average earning assets | $58,364,400 | 5,446 |
Average equity | $9,520,000 | 4,858 |
Average total loans | $36,351,600 | 5,318 |
2014-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.8128% | 6,273 |
Cost of funding earning assets | 0.5702% | 2,105 |
Net interest margin | 2.2426% | 6,365 |
Noninterest income to average assets | 0.3734% | 4,442 |
Noninterest expense to average assets | 3.1285% | 2,386 |
Loan and lease loss provision to assets | 0.0000% | 4,401 |
Net operating income to assets | -1.2673% | 6,489 |
Return on assets (ROA) | -0.8165% | 6,434 |
Pretax return on assets | -0.3792% | 6,322 |
Return on Equity (ROE) | -5.7966% | 6,381 |
Retained earnings to average equity (ytd only) | -5.7966% | 6,279 |
Net charge-offs to loans | 0.0000% | 4,696 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 136.1111% | 81 |
Assets per employee ($millions) | 4.8006% | 2,512 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8476% | 1,579 |
Loan loss allowance to noncurrent loans | 2,072.4138% | 296 |
Noncurrent assets plus other real estate owned to assets | 0.0431% | 5,992 |
Noncurrent loans to loans | 0.0892% | 5,679 |
Net loans and leases to total assets | 47.5055% | 5,245 |
Net loans and leases to deposits | 58.6168% | 5,055 |
Net loans and leases to core deposits | 63.5017% | 4,928 |
Total domestic deposits to total assets | 81.0442% | 4,811 |
Equity capital to assets | 14.0963% | 973 |
Core capital (leverage) ratio | 13.5217% | 992 |
Tier 1 risk-based capital ratio | 22.5335% | 1,180 |
Total risk-based capital ratio | 24.2270% | 1,095 |
Memoranda: | ||
Average total assets | $68,912,750 | 5,376 |
Average earning assets | $59,155,750 | 5,480 |
Average equity | $9,706,500 | 4,847 |
Average total loans | $37,689,250 | 5,314 |
2014-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.7671% | 6,361 |
Cost of funding earning assets | 0.5635% | 2,227 |
Net interest margin | 2.2036% | 6,449 |
Noninterest income to average assets | 0.3713% | 4,464 |
Noninterest expense to average assets | 3.1951% | 2,209 |
Loan and lease loss provision to assets | 0.0000% | 4,196 |
Net operating income to assets | -0.6599% | 6,478 |
Return on assets (ROA) | -0.3656% | 6,404 |
Pretax return on assets | -0.5181% | 6,426 |
Return on Equity (ROE) | -2.5961% | 6,361 |
Retained earnings to average equity (ytd only) | -2.5961% | 6,061 |
Net charge-offs to loans | 0.0000% | 4,375 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 141.2214% | 65 |
Assets per employee ($millions) | 5.3618% | 1,824 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6112% | 2,421 |
Loan loss allowance to noncurrent loans | 65.8269% | 4,642 |
Noncurrent assets plus other real estate owned to assets | 1.3098% | 2,491 |
Noncurrent loans to loans | 2.4477% | 1,279 |
Net loans and leases to total assets | 52.6512% | 4,681 |
Net loans and leases to deposits | 65.5732% | 4,311 |
Net loans and leases to core deposits | 71.3342% | 4,120 |
Total domestic deposits to total assets | 80.2938% | 5,180 |
Equity capital to assets | 14.0035% | 968 |
Core capital (leverage) ratio | 13.6997% | 919 |
Tier 1 risk-based capital ratio | 20.6834% | 1,512 |
Total risk-based capital ratio | 22.3940% | 1,394 |
Memoranda: | ||
Average total assets | $69,480,670 | 5,407 |
Average earning assets | $59,628,670 | 5,512 |
Average equity | $9,784,000 | 4,850 |
Average total loans | $39,409,330 | 5,303 |
2014-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.1426% | 6,070 |
Cost of funding earning assets | 0.5585% | 2,359 |
Net interest margin | 2.5841% | 6,258 |
Noninterest income to average assets | 0.2768% | 5,156 |
Noninterest expense to average assets | 3.2118% | 2,192 |
Loan and lease loss provision to assets | 0.0000% | 3,817 |
Net operating income to assets | -0.5101% | 6,474 |
Return on assets (ROA) | -0.4036% | 6,436 |
Pretax return on assets | -0.5709% | 6,480 |
Return on Equity (ROE) | -2.8585% | 6,400 |
Retained earnings to average equity (ytd only) | -2.8585% | 5,950 |
Net charge-offs to loans | 0.0000% | 3,660 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 128.9352% | 123 |
Assets per employee ($millions) | 4.6717% | 2,700 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4897% | 3,183 |
Loan loss allowance to noncurrent loans | 306.6327% | 1,460 |
Noncurrent assets plus other real estate owned to assets | 0.2797% | 5,323 |
Noncurrent loans to loans | 0.4858% | 4,702 |
Net loans and leases to total assets | 56.7156% | 4,047 |
Net loans and leases to deposits | 71.6431% | 3,387 |
Net loans and leases to core deposits | 78.0871% | 3,195 |
Total domestic deposits to total assets | 79.1641% | 5,662 |
Equity capital to assets | 13.9477% | 937 |
Core capital (leverage) ratio | 13.7251% | 915 |
Tier 1 risk-based capital ratio | 19.5756% | 1,817 |
Total risk-based capital ratio | 21.2216% | 1,695 |
Memoranda: | ||
Average total assets | $69,369,000 | 5,463 |
Average earning assets | $59,441,500 | 5,569 |
Average equity | $9,795,500 | 4,869 |
Average total loans | $40,463,500 | 5,298 |
2013-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.1811% | 6,157 |
Cost of funding earning assets | 0.6146% | 2,528 |
Net interest margin | 2.5665% | 6,303 |
Noninterest income to average assets | 0.4533% | 4,069 |
Noninterest expense to average assets | 3.1090% | 2,707 |
Loan and lease loss provision to assets | -0.0708% | 6,434 |
Net operating income to assets | -0.1833% | 6,357 |
Return on assets (ROA) | 0.0297% | 6,208 |
Pretax return on assets | -0.0340% | 6,255 |
Return on Equity (ROE) | 0.2149% | 6,211 |
Retained earnings to average equity (ytd only) | 0.2149% | 5,748 |
Net charge-offs to loans | 0.0000% | 5,475 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 116.3839% | 203 |
Assets per employee ($millions) | 4.5775% | 2,760 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4810% | 3,279 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
Noncurrent loans to loans | 0.0000% | 6,319 |
Net loans and leases to total assets | 58.2287% | 4,001 |
Net loans and leases to deposits | 74.5316% | 3,190 |
Net loans and leases to core deposits | 80.6459% | 3,050 |
Total domestic deposits to total assets | 78.1262% | 5,812 |
Equity capital to assets | 14.2976% | 827 |
Core capital (leverage) ratio | 14.1486% | 789 |
Tier 1 risk-based capital ratio | 19.9146% | 1,674 |
Total risk-based capital ratio | 21.5460% | 1,556 |
Memoranda: | ||
Average total assets | $70,600,600 | 5,456 |
Average earning assets | $61,015,800 | 5,562 |
Average equity | $9,772,000 | 4,900 |
Average total loans | $41,022,200 | 5,302 |
2013-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.2823% | 6,086 |
Cost of funding earning assets | 0.6275% | 2,575 |
Net interest margin | 2.6548% | 6,242 |
Noninterest income to average assets | 0.3695% | 4,754 |
Noninterest expense to average assets | 3.0667% | 2,770 |
Loan and lease loss provision to assets | -0.0938% | 6,621 |
Net operating income to assets | -0.2123% | 6,476 |
Return on assets (ROA) | 0.0338% | 6,302 |
Pretax return on assets | 0.0825% | 6,223 |
Return on Equity (ROE) | 0.2459% | 6,320 |
Retained earnings to average equity (ytd only) | 0.2459% | 5,867 |
Net charge-offs to loans | 0.0000% | 5,212 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 114.8174% | 213 |
Assets per employee ($millions) | 4.6097% | 2,702 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4683% | 3,603 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
Noncurrent loans to loans | 0.0000% | 6,405 |
Net loans and leases to total assets | 58.3288% | 3,956 |
Net loans and leases to deposits | 74.9847% | 3,092 |
Net loans and leases to core deposits | 81.7380% | 2,900 |
Total domestic deposits to total assets | 77.7876% | 5,934 |
Equity capital to assets | 14.0890% | 941 |
Core capital (leverage) ratio | 13.6906% | 954 |
Tier 1 risk-based capital ratio | 19.9735% | 1,747 |
Total risk-based capital ratio | 21.5111% | 1,646 |
Memoranda: | ||
Average total assets | $71,085,250 | 5,500 |
Average earning assets | $61,622,500 | 5,606 |
Average equity | $9,760,750 | 4,957 |
Average total loans | $41,132,250 | 5,349 |
2013-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.2952% | 6,095 |
Cost of funding earning assets | 0.6366% | 2,622 |
Net interest margin | 2.6585% | 6,245 |
Noninterest income to average assets | 0.4489% | 4,166 |
Noninterest expense to average assets | 3.0670% | 2,773 |
Loan and lease loss provision to assets | -0.1394% | 6,742 |
Net operating income to assets | -0.1242% | 6,430 |
Return on assets (ROA) | 0.0613% | 6,298 |
Pretax return on assets | 0.1283% | 6,188 |
Return on Equity (ROE) | 0.4505% | 6,316 |
Retained earnings to average equity (ytd only) | 0.4505% | 5,714 |
Net charge-offs to loans | 0.0000% | 4,909 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 110.8871% | 266 |
Assets per employee ($millions) | 4.8205% | 2,341 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3935% | 4,062 |
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 | 58.8173% | 3,853 |
Net loans and leases to deposits | 75.2806% | 2,977 |
Net loans and leases to core deposits | 82.2945% | 2,770 |
Total domestic deposits to total assets | 78.1307% | 5,954 |
Equity capital to assets | 13.4330% | 1,170 |
Core capital (leverage) ratio | 13.7107% | 909 |
Tier 1 risk-based capital ratio | 19.1489% | 1,955 |
Total risk-based capital ratio | 20.7174% | 1,840 |
Memoranda: | ||
Average total assets | $71,731,670 | 5,515 |
Average earning assets | $62,515,670 | 5,607 |
Average equity | $9,767,000 | 4,994 |
Average total loans | $41,198,670 | 5,368 |
2013-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.2906% | 6,166 |
Cost of funding earning assets | 0.6389% | 2,751 |
Net interest margin | 2.6516% | 6,294 |
Noninterest income to average assets | 0.4703% | 3,993 |
Noninterest expense to average assets | 3.0737% | 2,756 |
Loan and lease loss provision to assets | -0.2799% | 6,920 |
Net operating income to assets | -0.0470% | 6,396 |
Return on assets (ROA) | 0.0784% | 6,279 |
Pretax return on assets | 0.1960% | 6,090 |
Return on Equity (ROE) | 0.5718% | 6,315 |
Retained earnings to average equity (ytd only) | 0.5718% | 5,602 |
Net charge-offs to loans | 0.0000% | 4,145 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 110.0200% | 327 |
Assets per employee ($millions) | 4.6925% | 2,667 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4999% | 3,834 |
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 | 56.0743% | 4,066 |
Net loans and leases to deposits | 69.4779% | 3,579 |
Net loans and leases to core deposits | 76.2362% | 3,290 |
Total domestic deposits to total assets | 80.7081% | 5,568 |
Equity capital to assets | 13.9699% | 1,036 |
Core capital (leverage) ratio | 13.6677% | 887 |
Tier 1 risk-based capital ratio | 21.6507% | 1,391 |
Total risk-based capital ratio | 23.3809% | 1,279 |
Memoranda: | ||
Average total assets | $71,444,000 | 5,579 |
Average earning assets | $62,603,500 | 5,658 |
Average equity | $9,794,000 | 5,037 |
Average total loans | $40,233,000 | 5,452 |
2012-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5736% | 6,263 |
Cost of funding earning assets | 0.7284% | 3,269 |
Net interest margin | 2.8452% | 6,324 |
Noninterest income to average assets | 0.4345% | 4,360 |
Noninterest expense to average assets | 3.0556% | 3,074 |
Loan and lease loss provision to assets | 0.0512% | 5,171 |
Net operating income to assets | -0.0275% | 6,211 |
Return on assets (ROA) | 0.0664% | 6,210 |
Pretax return on assets | -0.0014% | 6,287 |
Return on Equity (ROE) | 0.4912% | 6,225 |
Retained earnings to average equity (ytd only) | 0.4912% | 5,603 |
Net charge-offs to loans | -0.0097% | 6,457 |
Credit loss provision to net charge-offs | -925.0000% | 6,579 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 103.2741% | 454 |
Assets per employee ($millions) | 4.8334% | 2,445 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6115% | 3,258 |
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 | 54.8199% | 4,484 |
Net loans and leases to deposits | 67.6165% | 4,041 |
Net loans and leases to core deposits | 73.9387% | 3,788 |
Total domestic deposits to total assets | 81.0747% | 5,383 |
Equity capital to assets | 13.4550% | 1,248 |
Core capital (leverage) ratio | 13.5781% | 919 |
Tier 1 risk-based capital ratio | 22.4505% | 1,186 |
Total risk-based capital ratio | 23.9976% | 1,133 |
Memoranda: | ||
Average total assets | $72,260,200 | 5,574 |
Average earning assets | $64,109,000 | 5,605 |
Average equity | $9,771,400 | 5,037 |
Average total loans | $41,268,600 | 5,453 |
2012-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6404% | 6,333 |
Cost of funding earning assets | 0.7502% | 3,349 |
Net interest margin | 2.8902% | 6,379 |
Noninterest income to average assets | 0.3989% | 4,643 |
Noninterest expense to average assets | 3.0655% | 2,995 |
Loan and lease loss provision to assets | 0.0554% | 5,045 |
Net operating income to assets | -0.0794% | 6,384 |
Return on assets (ROA) | 0.1163% | 6,235 |
Pretax return on assets | 0.0351% | 6,358 |
Return on Equity (ROE) | 0.8593% | 6,272 |
Retained earnings to average equity (ytd only) | 0.8593% | 5,820 |
Net charge-offs to loans | -0.0128% | 6,413 |
Credit loss provision to net charge-offs | -750.0000% | 6,496 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 103.5558% | 427 |
Assets per employee ($millions) | 4.8041% | 2,435 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5333% | 3,802 |
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 | 57.3930% | 4,219 |
Net loans and leases to deposits | 71.3032% | 3,706 |
Net loans and leases to core deposits | 78.7681% | 3,358 |
Total domestic deposits to total assets | 80.4915% | 5,518 |
Equity capital to assets | 13.6593% | 1,284 |
Core capital (leverage) ratio | 13.5033% | 1,009 |
Tier 1 risk-based capital ratio | 22.2560% | 1,285 |
Total risk-based capital ratio | 23.8771% | 1,210 |
Memoranda: | ||
Average total assets | $72,200,000 | 5,628 |
Average earning assets | $63,984,000 | 5,669 |
Average equity | $9,775,500 | 5,082 |
Average total loans | $41,486,750 | 5,501 |
2012-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6647% | 6,398 |
Cost of funding earning assets | 0.7755% | 3,398 |
Net interest margin | 2.8892% | 6,444 |
Noninterest income to average assets | 0.4125% | 4,563 |
Noninterest expense to average assets | 3.0701% | 3,016 |
Loan and lease loss provision to assets | 0.0609% | 4,888 |
Net operating income to assets | -0.1214% | 6,459 |
Return on assets (ROA) | 0.0664% | 6,368 |
Pretax return on assets | 0.1329% | 6,254 |
Return on Equity (ROE) | 0.4922% | 6,394 |
Retained earnings to average equity (ytd only) | 0.4922% | 5,872 |
Net charge-offs to loans | -0.0194% | 6,423 |
Credit loss provision to net charge-offs | -550.0000% | 6,306 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 103.3551% | 449 |
Assets per employee ($millions) | 4.7779% | 2,467 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5238% | 3,900 |
Loan loss allowance to noncurrent loans | 125.1969% | 2,616 |
Noncurrent assets plus other real estate owned to assets | 0.7088% | 5,018 |
Noncurrent loans to loans | 1.2171% | 4,114 |
Net loans and leases to total assets | 57.3492% | 4,273 |
Net loans and leases to deposits | 71.4179% | 3,694 |
Net loans and leases to core deposits | 78.7240% | 3,411 |
Total domestic deposits to total assets | 80.3008% | 5,664 |
Equity capital to assets | 13.6128% | 1,259 |
Core capital (leverage) ratio | 13.4937% | 980 |
Tier 1 risk-based capital ratio | 22.4118% | 1,217 |
Total risk-based capital ratio | 23.9900% | 1,150 |
Memoranda: | ||
Average total assets | $72,246,330 | 5,659 |
Average earning assets | $63,961,330 | 5,708 |
Average equity | $9,753,000 | 5,091 |
Average total loans | $41,315,000 | 5,540 |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6540% | 6,503 |
Cost of funding earning assets | 0.8092% | 3,400 |
Net interest margin | 2.8448% | 6,562 |
Noninterest income to average assets | 0.3033% | 5,451 |
Noninterest expense to average assets | 3.0881% | 2,960 |
Loan and lease loss provision to assets | 0.0827% | 4,353 |
Net operating income to assets | -0.2534% | 6,679 |
Return on assets (ROA) | 0.0607% | 6,432 |
Pretax return on assets | 0.1434% | 6,313 |
Return on Equity (ROE) | 0.4512% | 6,452 |
Retained earnings to average equity (ytd only) | 0.4512% | 5,851 |
Net charge-offs to loans | 0.0000% | 4,730 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 109.3750% | 347 |
Assets per employee ($millions) | 4.7239% | 2,631 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5216% | 4,062 |
Loan loss allowance to noncurrent loans | 122.3092% | 2,575 |
Noncurrent assets plus other real estate owned to assets | 0.7212% | 5,107 |
Noncurrent loans to loans | 1.2440% | 4,261 |
Net loans and leases to total assets | 57.0866% | 4,206 |
Net loans and leases to deposits | 71.4240% | 3,522 |
Net loans and leases to core deposits | 79.0599% | 3,172 |
Total domestic deposits to total assets | 79.9263% | 5,867 |
Equity capital to assets | 13.7555% | 1,111 |
Core capital (leverage) ratio | 13.3759% | 996 |
Tier 1 risk-based capital ratio | 22.9537% | 1,138 |
Total risk-based capital ratio | 24.5243% | 1,077 |
Memoranda: | ||
Average total assets | $72,535,500 | 5,694 |
Average earning assets | $64,258,500 | 5,745 |
Average equity | $9,751,500 | 5,103 |
Average total loans | $41,104,000 | 5,594 |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9180% | 6,586 |
Cost of funding earning assets | 0.9342% | 3,842 |
Net interest margin | 2.9838% | 6,554 |
Noninterest income to average assets | 0.2333% | 5,867 |
Noninterest expense to average assets | 2.9316% | 3,838 |
Loan and lease loss provision to assets | 0.0823% | 5,582 |
Net operating income to assets | -0.0697% | 6,129 |
Return on assets (ROA) | 0.0041% | 6,156 |
Pretax return on assets | -0.0220% | 6,152 |
Return on Equity (ROE) | 0.0310% | 6,158 |
Retained earnings to average equity (ytd only) | 0.0310% | 5,825 |
Net charge-offs to loans | -0.0025% | 6,804 |
Credit loss provision to net charge-offs | -6,000.0000% | 6,947 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 101.9084% | 623 |
Assets per employee ($millions) | 4.9475% | 2,278 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4830% | 4,096 |
Loan loss allowance to noncurrent loans | 219.4245% | 1,510 |
Noncurrent assets plus other real estate owned to assets | 0.3746% | 6,039 |
Noncurrent loans to loans | 0.6759% | 5,346 |
Net loans and leases to total assets | 54.6030% | 4,932 |
Net loans and leases to deposits | 68.0516% | 4,447 |
Net loans and leases to core deposits | 74.9131% | 4,114 |
Total domestic deposits to total assets | 80.2377% | 5,676 |
Equity capital to assets | 13.1461% | 1,422 |
Core capital (leverage) ratio | 13.3086% | 1,039 |
Tier 1 risk-based capital ratio | 22.5035% | 1,166 |
Total risk-based capital ratio | 24.0920% | 1,095 |
Memoranda: | ||
Average total assets | $72,861,400 | 5,672 |
Average earning assets | $64,548,400 | 5,715 |
Average equity | $9,685,000 | 5,100 |
Average total loans | $40,466,800 | 5,668 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9670% | 6,638 |
Cost of funding earning assets | 0.9699% | 3,892 |
Net interest margin | 2.9970% | 6,587 |
Noninterest income to average assets | 0.2537% | 5,805 |
Noninterest expense to average assets | 3.0132% | 3,509 |
Loan and lease loss provision to assets | 0.0827% | 5,408 |
Net operating income to assets | -0.1798% | 6,364 |
Return on assets (ROA) | -0.0331% | 6,300 |
Pretax return on assets | -0.0349% | 6,265 |
Return on Equity (ROE) | -0.2483% | 6,293 |
Retained earnings to average equity (ytd only) | -0.2483% | 6,019 |
Net charge-offs to loans | 0.0000% | 6,185 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 103.6686% | 560 |
Assets per employee ($millions) | 4.8390% | 2,411 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4507% | 4,330 |
Loan loss allowance to noncurrent loans | 173.1778% | 1,763 |
Noncurrent assets plus other real estate owned to assets | 0.4725% | 5,898 |
Noncurrent loans to loans | 0.8377% | 5,199 |
Net loans and leases to total assets | 55.5928% | 4,906 |
Net loans and leases to deposits | 66.2736% | 4,859 |
Net loans and leases to core deposits | 72.7745% | 4,610 |
Total domestic deposits to total assets | 83.8837% | 4,286 |
Equity capital to assets | 13.2314% | 1,500 |
Core capital (leverage) ratio | 12.8283% | 1,282 |
Tier 1 risk-based capital ratio | 22.7785% | 1,177 |
Total risk-based capital ratio | 24.1972% | 1,134 |
Memoranda: | ||
Average total assets | $72,523,750 | 5,722 |
Average earning assets | $64,195,250 | 5,768 |
Average equity | $9,667,250 | 5,139 |
Average total loans | $40,300,500 | 5,730 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9912% | 6,678 |
Cost of funding earning assets | 0.9931% | 3,990 |
Net interest margin | 2.9981% | 6,615 |
Noninterest income to average assets | 0.1572% | 6,530 |
Noninterest expense to average assets | 3.0564% | 3,406 |
Loan and lease loss provision to assets | 0.0828% | 5,275 |
Net operating income to assets | -0.2533% | 6,518 |
Return on assets (ROA) | -0.1048% | 6,409 |
Pretax return on assets | -0.1352% | 6,397 |
Return on Equity (ROE) | -0.7844% | 6,380 |
Retained earnings to average equity (ytd only) | -0.7844% | 6,012 |
Net charge-offs to loans | 0.0000% | 5,875 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 108.6275% | 505 |
Assets per employee ($millions) | 4.9871% | 2,142 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4333% | 4,426 |
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 | 53.2257% | 5,396 |
Net loans and leases to deposits | 63.1118% | 5,381 |
Net loans and leases to core deposits | 70.8823% | 4,965 |
Total domestic deposits to total assets | 84.3355% | 4,202 |
Equity capital to assets | 13.0297% | 1,504 |
Core capital (leverage) ratio | 12.8925% | 1,203 |
Tier 1 risk-based capital ratio | 22.8608% | 1,141 |
Total risk-based capital ratio | 24.4333% | 1,076 |
Memoranda: | ||
Average total assets | $72,503,330 | 5,765 |
Average earning assets | $64,241,670 | 5,814 |
Average equity | $9,688,330 | 5,126 |
Average total loans | $40,085,330 | 5,793 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0786% | 6,547 |
Cost of funding earning assets | 1.0260% | 4,019 |
Net interest margin | 3.0526% | 6,455 |
Noninterest income to average assets | 0.1514% | 6,640 |
Noninterest expense to average assets | 3.1562% | 3,043 |
Loan and lease loss provision to assets | 0.0841% | 4,944 |
Net operating income to assets | -0.2676% | 6,628 |
Return on assets (ROA) | -0.2018% | 6,576 |
Pretax return on assets | -0.2915% | 6,615 |
Return on Equity (ROE) | -1.4908% | 6,538 |
Retained earnings to average equity (ytd only) | -1.4908% | 6,070 |
Net charge-offs to loans | 0.0000% | 5,107 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 110.6090% | 490 |
Assets per employee ($millions) | 4.7022% | 2,572 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4078% | 4,625 |
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 | 56.0007% | 4,993 |
Net loans and leases to deposits | 67.1261% | 4,810 |
Net loans and leases to core deposits | 76.3989% | 4,250 |
Total domestic deposits to total assets | 83.4262% | 4,732 |
Equity capital to assets | 13.6943% | 1,110 |
Core capital (leverage) ratio | 13.5116% | 965 |
Tier 1 risk-based capital ratio | 23.2162% | 1,059 |
Total risk-based capital ratio | 24.7643% | 1,004 |
Memoranda: | ||
Average total assets | $71,352,000 | 5,836 |
Average earning assets | $63,159,000 | 5,890 |
Average equity | $9,659,000 | 5,130 |
Average total loans | $39,930,500 | 5,854 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1840% | 6,949 |
Cost of funding earning assets | 1.2408% | 4,280 |
Net interest margin | 2.9433% | 6,831 |
Noninterest income to average assets | 1.0385% | 1,389 |
Noninterest expense to average assets | 3.2238% | 3,004 |
Loan and lease loss provision to assets | 0.0878% | 6,273 |
Net operating income to assets | 0.1686% | 5,378 |
Return on assets (ROA) | 0.1770% | 5,519 |
Pretax return on assets | 0.3042% | 5,221 |
Return on Equity (ROE) | 1.2667% | 5,631 |
Retained earnings to average equity (ytd only) | 1.2667% | 4,918 |
Net charge-offs to loans | 0.0479% | 6,320 |
Credit loss provision to net charge-offs | 333.3333% | 768 |
Earnings coverage of net charge-offs (x) | 14.3889% | 1,345 |
Efficiency ratio | 89.4844% | 1,362 |
Assets per employee ($millions) | 4.8114% | 2,407 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3795% | 4,616 |
Loan loss allowance to noncurrent loans | 274.5000% | 1,111 |
Noncurrent assets plus other real estate owned to assets | 0.2771% | 6,557 |
Noncurrent loans to loans | 0.5025% | 6,034 |
Net loans and leases to total assets | 54.3833% | 5,586 |
Net loans and leases to deposits | 64.9399% | 5,523 |
Net loans and leases to core deposits | 73.6144% | 5,027 |
Total domestic deposits to total assets | 83.7442% | 4,481 |
Equity capital to assets | 13.3835% | 1,225 |
Core capital (leverage) ratio | 13.7576% | 908 |
Tier 1 risk-based capital ratio | 22.9365% | 1,047 |
Total risk-based capital ratio | 24.4031% | 997 |
Memoranda: | ||
Average total assets | $68,366,400 | 5,924 |
Average earning assets | $59,559,800 | 6,010 |
Average equity | $9,552,200 | 5,248 |
Average total loans | $37,570,800 | 6,030 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2910% | 6,976 |
Cost of funding earning assets | 1.2912% | 4,274 |
Net interest margin | 2.9998% | 6,831 |
Noninterest income to average assets | 1.3211% | 785 |
Noninterest expense to average assets | 3.2791% | 2,639 |
Loan and lease loss provision to assets | 0.0890% | 6,156 |
Net operating income to assets | 0.2745% | 5,261 |
Return on assets (ROA) | 0.2808% | 5,398 |
Pretax return on assets | 0.5637% | 4,711 |
Return on Equity (ROE) | 1.9876% | 5,612 |
Retained earnings to average equity (ytd only) | 1.9876% | 4,960 |
Net charge-offs to loans | -0.0036% | 7,189 |
Credit loss provision to net charge-offs | -4,500.0000% | 7,180 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 83.6107% | 1,878 |
Assets per employee ($millions) | 4.5020% | 2,906 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5017% | 3,948 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.4768% | 6,233 |
Noncurrent loans to loans | 0.0000% | 7,276 |
Net loans and leases to total assets | 53.7139% | 5,886 |
Net loans and leases to deposits | 65.4464% | 5,731 |
Net loans and leases to core deposits | 73.1252% | 5,392 |
Total domestic deposits to total assets | 82.0732% | 4,964 |
Equity capital to assets | 14.4054% | 1,046 |
Core capital (leverage) ratio | 14.3396% | 849 |
Tier 1 risk-based capital ratio | 24.0683% | 934 |
Total risk-based capital ratio | 25.4333% | 900 |
Memoranda: | ||
Average total assets | $67,415,250 | 6,018 |
Average earning assets | $58,446,750 | 6,111 |
Average equity | $9,525,500 | 5,336 |
Average total loans | $37,014,000 | 6,145 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3404% | 6,981 |
Cost of funding earning assets | 1.3289% | 4,349 |
Net interest margin | 3.0115% | 6,805 |
Noninterest income to average assets | 0.2167% | 6,370 |
Noninterest expense to average assets | 3.4077% | 2,242 |
Loan and lease loss provision to assets | 0.0891% | 6,033 |
Net operating income to assets | -0.4735% | 6,623 |
Return on assets (ROA) | -0.4631% | 6,654 |
Pretax return on assets | -0.6619% | 6,701 |
Return on Equity (ROE) | -3.2988% | 6,544 |
Retained earnings to average equity (ytd only) | -3.2988% | 6,338 |
Net charge-offs to loans | 0.0000% | 6,371 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 120.8421% | 406 |
Assets per employee ($millions) | 4.4807% | 2,908 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4418% | 4,222 |
Loan loss allowance to noncurrent loans | 232.4675% | 1,212 |
Noncurrent assets plus other real estate owned to assets | 0.8228% | 5,475 |
Noncurrent loans to loans | 0.6202% | 6,009 |
Net loans and leases to total assets | 54.6184% | 5,896 |
Net loans and leases to deposits | 66.1781% | 5,783 |
Net loans and leases to core deposits | 72.4544% | 5,627 |
Total domestic deposits to total assets | 82.5324% | 4,771 |
Equity capital to assets | 13.9518% | 1,174 |
Core capital (leverage) ratio | 13.8163% | 970 |
Tier 1 risk-based capital ratio | 23.2733% | 1,032 |
Total risk-based capital ratio | 24.5245% | 1,009 |
Memoranda: | ||
Average total assets | $67,377,000 | 6,055 |
Average earning assets | $58,243,670 | 6,161 |
Average equity | $9,458,000 | 5,354 |
Average total loans | $37,076,670 | 6,191 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3554% | 7,061 |
Cost of funding earning assets | 1.3628% | 4,403 |
Net interest margin | 2.9926% | 6,845 |
Noninterest income to average assets | 0.2372% | 6,259 |
Noninterest expense to average assets | 3.4450% | 2,120 |
Loan and lease loss provision to assets | 0.0889% | 5,749 |
Net operating income to assets | -0.4921% | 6,824 |
Return on assets (ROA) | -0.4921% | 6,849 |
Pretax return on assets | -0.7056% | 6,901 |
Return on Equity (ROE) | -3.4953% | 6,777 |
Retained earnings to average equity (ytd only) | -3.4953% | 6,429 |
Net charge-offs to loans | 0.0324% | 5,122 |
Credit loss provision to net charge-offs | 500.0000% | 830 |
Earnings coverage of net charge-offs (x) | -34.6667% | 5,591 |
Efficiency ratio | 121.8029% | 424 |
Assets per employee ($millions) | 4.4729% | 3,004 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3898% | 4,467 |
Loan loss allowance to noncurrent loans | 224.6753% | 1,287 |
Noncurrent assets plus other real estate owned to assets | 0.3443% | 6,617 |
Noncurrent loans to loans | 0.6186% | 6,072 |
Net loans and leases to total assets | 54.8850% | 5,907 |
Net loans and leases to deposits | 65.6458% | 5,862 |
Net loans and leases to core deposits | 72.4782% | 5,658 |
Total domestic deposits to total assets | 83.6078% | 4,337 |
Equity capital to assets | 14.1043% | 1,110 |
Core capital (leverage) ratio | 13.8319% | 997 |
Tier 1 risk-based capital ratio | 23.6719% | 996 |
Total risk-based capital ratio | 25.0341% | 965 |
Memoranda: | ||
Average total assets | $67,460,500 | 6,122 |
Average earning assets | $58,410,000 | 6,231 |
Average equity | $9,498,500 | 5,386 |
Average total loans | $36,992,000 | 6,266 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7342% | 7,082 |
Cost of funding earning assets | 1.5793% | 5,134 |
Net interest margin | 3.1549% | 6,219 |
Noninterest income to average assets | 0.4395% | 4,888 |
Noninterest expense to average assets | 3.2587% | 3,156 |
Loan and lease loss provision to assets | 0.0935% | 6,667 |
Net operating income to assets | -0.1044% | 5,688 |
Return on assets (ROA) | -0.0545% | 5,616 |
Pretax return on assets | -0.0857% | 5,581 |
Return on Equity (ROE) | -0.3644% | 5,598 |
Retained earnings to average equity (ytd only) | -0.3644% | 5,050 |
Net charge-offs to loans | -0.0054% | 7,723 |
Credit loss provision to net charge-offs | -3,000.0000% | 7,487 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 102.1994% | 1,004 |
Assets per employee ($millions) | 4.8449% | 2,418 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3837% | 4,316 |
Loan loss allowance to noncurrent loans | 219.4805% | 1,359 |
Noncurrent assets plus other real estate owned to assets | 0.3406% | 6,593 |
Noncurrent loans to loans | 0.6304% | 5,976 |
Net loans and leases to total assets | 53.2730% | 6,275 |
Net loans and leases to deposits | 63.8884% | 6,276 |
Net loans and leases to core deposits | 89.1625% | 5,208 |
Total domestic deposits to total assets | 83.3844% | 4,340 |
Equity capital to assets | 14.0561% | 1,152 |
Core capital (leverage) ratio | 14.0539% | 967 |
Tier 1 risk-based capital ratio | 23.9477% | 954 |
Total risk-based capital ratio | 25.2934% | 921 |
Memoranda: | ||
Average total assets | $64,166,400 | 6,192 |
Average earning assets | $55,912,200 | 6,296 |
Average equity | $9,604,200 | 5,413 |
Average total loans | $37,264,200 | 6,239 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8179% | 7,087 |
Cost of funding earning assets | 1.6028% | 5,389 |
Net interest margin | 3.2152% | 5,963 |
Noninterest income to average assets | 0.1455% | 7,133 |
Noninterest expense to average assets | 3.2167% | 3,246 |
Loan and lease loss provision to assets | 0.0949% | 6,418 |
Net operating income to assets | -0.2108% | 6,082 |
Return on assets (ROA) | -0.2108% | 6,091 |
Pretax return on assets | -0.3584% | 6,152 |
Return on Equity (ROE) | -1.3857% | 6,000 |
Retained earnings to average equity (ytd only) | -1.3857% | 5,579 |
Net charge-offs to loans | -0.0036% | 7,610 |
Credit loss provision to net charge-offs | -4,500.0000% | 7,404 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 108.9222% | 790 |
Assets per employee ($millions) | 4.7402% | 2,489 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3174% | 4,393 |
Loan loss allowance to noncurrent loans | 128.1984% | 2,211 |
Noncurrent assets plus other real estate owned to assets | 0.5771% | 6,011 |
Noncurrent loans to loans | 1.0276% | 5,254 |
Net loans and leases to total assets | 55.4209% | 6,210 |
Net loans and leases to deposits | 66.8284% | 6,226 |
Net loans and leases to core deposits | 93.2956% | 5,098 |
Total domestic deposits to total assets | 82.9302% | 4,259 |
Equity capital to assets | 14.3559% | 1,188 |
Core capital (leverage) ratio | 14.0646% | 1,075 |
Tier 1 risk-based capital ratio | 23.5446% | 1,049 |
Total risk-based capital ratio | 24.8416% | 1,019 |
Memoranda: | ||
Average total assets | $63,251,000 | 6,271 |
Average earning assets | $55,236,750 | 6,371 |
Average equity | $9,621,750 | 5,450 |
Average total loans | $37,420,000 | 6,264 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9563% | 6,905 |
Cost of funding earning assets | 1.6276% | 5,623 |
Net interest margin | 3.3288% | 5,446 |
Noninterest income to average assets | 0.1382% | 7,265 |
Noninterest expense to average assets | 2.8708% | 4,630 |
Loan and lease loss provision to assets | 0.0964% | 6,203 |
Net operating income to assets | 0.0321% | 5,750 |
Return on assets (ROA) | 0.0321% | 5,838 |
Pretax return on assets | 0.0772% | 5,725 |
Return on Equity (ROE) | 0.2072% | 5,862 |
Retained earnings to average equity (ytd only) | 0.2072% | 5,133 |
Net charge-offs to loans | -0.0053% | 7,535 |
Credit loss provision to net charge-offs | -3,000.0000% | 7,202 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 94.2978% | 1,475 |
Assets per employee ($millions) | 4.5126% | 2,754 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2581% | 4,556 |
Loan loss allowance to noncurrent loans | 313.1579% | 1,002 |
Noncurrent assets plus other real estate owned to assets | 0.2406% | 6,888 |
Noncurrent loans to loans | 0.4018% | 6,502 |
Net loans and leases to total assets | 59.1332% | 5,819 |
Net loans and leases to deposits | 72.3221% | 5,694 |
Net loans and leases to core deposits | 98.8098% | 4,617 |
Total domestic deposits to total assets | 81.7636% | 4,789 |
Equity capital to assets | 15.2716% | 970 |
Core capital (leverage) ratio | 14.8813% | 947 |
Tier 1 risk-based capital ratio | 24.6292% | 972 |
Total risk-based capital ratio | 25.8375% | 962 |
Memoranda: | ||
Average total assets | $62,213,670 | 6,365 |
Average earning assets | $54,314,670 | 6,455 |
Average equity | $9,653,330 | 5,473 |
Average total loans | $37,470,000 | 6,321 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0426% | 6,821 |
Cost of funding earning assets | 1.6290% | 5,907 |
Net interest margin | 3.4136% | 5,084 |
Noninterest income to average assets | 0.1296% | 7,362 |
Noninterest expense to average assets | 2.9093% | 4,129 |
Loan and lease loss provision to assets | 0.0972% | 5,717 |
Net operating income to assets | 0.0518% | 6,124 |
Return on assets (ROA) | 0.0518% | 6,273 |
Pretax return on assets | 0.1102% | 6,141 |
Return on Equity (ROE) | 0.3314% | 6,329 |
Retained earnings to average equity (ytd only) | 0.3314% | 5,529 |
Net charge-offs to loans | -0.0107% | 7,288 |
Credit loss provision to net charge-offs | -1,500.0000% | 6,576 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 93.3472% | 1,474 |
Assets per employee ($millions) | 4.1255% | 3,408 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2153% | 4,695 |
Loan loss allowance to noncurrent loans | 303.2895% | 1,111 |
Noncurrent assets plus other real estate owned to assets | 0.2456% | 6,777 |
Noncurrent loans to loans | 0.4007% | 6,414 |
Net loans and leases to total assets | 60.5530% | 5,566 |
Net loans and leases to deposits | 74.5281% | 5,416 |
Net loans and leases to core deposits | 97.2516% | 4,820 |
Total domestic deposits to total assets | 81.2485% | 4,867 |
Equity capital to assets | 15.5891% | 951 |
Core capital (leverage) ratio | 15.6268% | 840 |
Tier 1 risk-based capital ratio | 25.2291% | 964 |
Total risk-based capital ratio | 26.4783% | 935 |
Memoranda: | ||
Average total assets | $61,732,500 | 6,411 |
Average earning assets | $54,019,500 | 6,500 |
Average equity | $9,656,000 | 5,490 |
Average total loans | $37,288,000 | 6,365 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3041% | 7,593 |
Cost of funding earning assets | 2.0458% | 6,258 |
Net interest margin | 3.2582% | 6,187 |
Noninterest income to average assets | 0.2031% | 6,993 |
Noninterest expense to average assets | 2.7784% | 4,914 |
Loan and lease loss provision to assets | 0.0487% | 6,805 |
Net operating income to assets | 0.2252% | 5,771 |
Return on assets (ROA) | 0.2434% | 5,539 |
Pretax return on assets | 0.3777% | 5,321 |
Return on Equity (ROE) | 1.4980% | 5,768 |
Retained earnings to average equity (ytd only) | 1.4980% | 4,328 |
Net charge-offs to loans | 0.0111% | 6,770 |
Credit loss provision to net charge-offs | 725.0000% | 578 |
Earnings coverage of net charge-offs (x) | 59.2500% | 675 |
Efficiency ratio | 87.4736% | 1,724 |
Assets per employee ($millions) | 4.1055% | 3,298 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2144% | 4,424 |
Loan loss allowance to noncurrent loans | 271.3415% | 1,485 |
Noncurrent assets plus other real estate owned to assets | 0.2663% | 6,511 |
Noncurrent loans to loans | 0.4476% | 6,015 |
Net loans and leases to total assets | 58.7802% | 6,094 |
Net loans and leases to deposits | 71.0573% | 6,163 |
Net loans and leases to core deposits | 89.4131% | 5,853 |
Total domestic deposits to total assets | 82.7222% | 3,887 |
Equity capital to assets | 15.6945% | 996 |
Core capital (leverage) ratio | 15.6015% | 905 |
Tier 1 risk-based capital ratio | 26.2589% | 882 |
Total risk-based capital ratio | 27.5579% | 858 |
Memoranda: | ||
Average total assets | $59,567,200 | 6,397 |
Average earning assets | $54,354,600 | 6,395 |
Average equity | $9,679,800 | 5,514 |
Average total loans | $36,178,000 | 6,356 |