Home > Henry State Bank > Performance and Condition Ratios
Henry State Bank, Performance and Condition Ratios
2017-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5078% | 4,671 |
Cost of funding earning assets | 0.3713% | 3,299 |
Net interest margin | 3.1365% | 4,541 |
Noninterest income to average assets | 0.2501% | 4,744 |
Noninterest expense to average assets | 2.5010% | 3,803 |
Loan and lease loss provision to assets | 0.0000% | 3,537 |
Net operating income to assets | 0.7052% | 3,679 |
Return on assets (ROA) | 0.7052% | 3,722 |
Pretax return on assets | 0.6929% | 4,475 |
Return on Equity (ROE) | 5.0653% | 4,360 |
Retained earnings to average equity (ytd only) | 4.4763% | 3,183 |
Net charge-offs to loans | 1.2359% | 141 |
Credit loss provision to net charge-offs | 0.0000% | 2,277 |
Earnings coverage of net charge-offs (x) | 0.9337% | 2,780 |
Efficiency ratio | 78.3055% | 1,588 |
Assets per employee ($millions) | 5.9845% | 1,518 |
Cash dividends to net income (ytd only)* | 11.6279% | 2,672 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.7912% | 224 |
Loan loss allowance to noncurrent loans | 156.9556% | 2,735 |
Noncurrent assets plus other real estate owned to assets | 1.0465% | 1,727 |
Noncurrent loans to loans | 1.7784% | 1,062 |
Net loans and leases to total assets | 56.6307% | 4,108 |
Net loans and leases to deposits | 69.5790% | 3,844 |
Net loans and leases to core deposits | 74.5207% | 3,790 |
Total domestic deposits to total assets | 81.3905% | 4,323 |
Equity capital to assets | 14.2838% | 822 |
Core capital (leverage) ratio | 14.5211% | 706 |
Tier 1 risk-based capital ratio | 22.4226% | 1,041 |
Total risk-based capital ratio | 23.6875% | 1,023 |
Memoranda: | ||
Average total assets | $97,561,500 | 4,395 |
Average earning assets | $91,567,500 | 4,357 |
Average equity | $13,582,500 | 3,980 |
Average total loans | $58,581,000 | 4,332 |
2016-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5651% | 4,605 |
Cost of funding earning assets | 0.3462% | 3,562 |
Net interest margin | 3.2189% | 4,382 |
Noninterest income to average assets | 0.2889% | 4,669 |
Noninterest expense to average assets | 2.2485% | 4,655 |
Loan and lease loss provision to assets | 0.6226% | 207 |
Net operating income to assets | 0.4286% | 4,851 |
Return on assets (ROA) | 0.4393% | 4,914 |
Pretax return on assets | 0.4483% | 5,125 |
Return on Equity (ROE) | 3.1847% | 5,104 |
Retained earnings to average equity (ytd only) | -1.4732% | 5,490 |
Net charge-offs to loans | 0.5354% | 448 |
Credit loss provision to net charge-offs | 193.4985% | 1,464 |
Earnings coverage of net charge-offs (x) | 3.2941% | 3,693 |
Efficiency ratio | 67.9615% | 3,235 |
Assets per employee ($millions) | 5.5206% | 1,850 |
Cash dividends to net income (ytd only)* | 146.2585% | 156 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.8315% | 212 |
Loan loss allowance to noncurrent loans | 136.9582% | 2,994 |
Noncurrent assets plus other real estate owned to assets | 1.2871% | 1,375 |
Noncurrent loans to loans | 2.0674% | 863 |
Net loans and leases to total assets | 60.0195% | 3,851 |
Net loans and leases to deposits | 74.4473% | 3,471 |
Net loans and leases to core deposits | 80.9309% | 3,318 |
Total domestic deposits to total assets | 80.6201% | 4,428 |
Equity capital to assets | 13.5734% | 1,016 |
Core capital (leverage) ratio | 14.0852% | 796 |
Tier 1 risk-based capital ratio | 19.3918% | 1,506 |
Total risk-based capital ratio | 20.6560% | 1,463 |
Memoranda: | ||
Average total assets | $100,379,800 | 4,343 |
Average earning assets | $94,161,800 | 4,304 |
Average equity | $13,847,600 | 3,959 |
Average total loans | $60,331,200 | 4,288 |
2016-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5781% | 4,614 |
Cost of funding earning assets | 0.3431% | 3,623 |
Net interest margin | 3.2350% | 4,386 |
Noninterest income to average assets | 0.2769% | 4,790 |
Noninterest expense to average assets | 2.3252% | 4,475 |
Loan and lease loss provision to assets | 1.1156% | 86 |
Net operating income to assets | -0.1404% | 5,774 |
Return on assets (ROA) | -0.1259% | 5,786 |
Pretax return on assets | -0.1139% | 5,776 |
Return on Equity (ROE) | -0.9088% | 5,774 |
Retained earnings to average equity (ytd only) | -5.9120% | 5,764 |
Net charge-offs to loans | 0.6370% | 318 |
Credit loss provision to net charge-offs | 293.3798% | 1,056 |
Earnings coverage of net charge-offs (x) | 2.5958% | 3,546 |
Efficiency ratio | 70.2000% | 2,855 |
Assets per employee ($millions) | 5.3912% | 1,964 |
Cash dividends to net income (ytd only)* | -550.5448% | 5,972 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.3541% | 130 |
Loan loss allowance to noncurrent loans | 159.6632% | 2,654 |
Noncurrent assets plus other real estate owned to assets | 1.2953% | 1,486 |
Noncurrent loans to loans | 2.1007% | 917 |
Net loans and leases to total assets | 59.1193% | 3,983 |
Net loans and leases to deposits | 73.8961% | 3,607 |
Net loans and leases to core deposits | 78.1608% | 3,652 |
Total domestic deposits to total assets | 80.0033% | 4,511 |
Equity capital to assets | 13.8910% | 1,082 |
Core capital (leverage) ratio | 13.9616% | 862 |
Tier 1 risk-based capital ratio | 20.4774% | 1,356 |
Total risk-based capital ratio | 21.7487% | 1,322 |
Memoranda: | ||
Average total assets | $100,632,000 | 4,378 |
Average earning assets | $94,423,250 | 4,338 |
Average equity | $13,937,500 | 3,982 |
Average total loans | $60,069,000 | 4,323 |
2016-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5858% | 4,637 |
Cost of funding earning assets | 0.3433% | 3,638 |
Net interest margin | 3.2425% | 4,403 |
Noninterest income to average assets | 0.2652% | 4,891 |
Noninterest expense to average assets | 2.3805% | 4,404 |
Loan and lease loss provision to assets | 0.3260% | 519 |
Net operating income to assets | 0.5840% | 4,335 |
Return on assets (ROA) | 0.6049% | 4,375 |
Pretax return on assets | 0.6226% | 4,834 |
Return on Equity (ROE) | 4.3719% | 4,765 |
Retained earnings to average equity (ytd only) | -1.3059% | 5,476 |
Net charge-offs to loans | 0.8424% | 234 |
Credit loss provision to net charge-offs | 65.3543% | 2,518 |
Earnings coverage of net charge-offs (x) | 1.8583% | 3,358 |
Efficiency ratio | 71.9715% | 2,659 |
Assets per employee ($millions) | 5.1705% | 2,116 |
Cash dividends to net income (ytd only)* | 129.8701% | 285 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.3068% | 463 |
Loan loss allowance to noncurrent loans | 121.7706% | 3,299 |
Noncurrent assets plus other real estate owned to assets | 1.1370% | 1,856 |
Noncurrent loans to loans | 1.8944% | 1,073 |
Net loans and leases to total assets | 58.1107% | 4,104 |
Net loans and leases to deposits | 73.8955% | 3,605 |
Net loans and leases to core deposits | 78.1802% | 3,628 |
Total domestic deposits to total assets | 78.6390% | 4,865 |
Equity capital to assets | 14.3587% | 913 |
Core capital (leverage) ratio | 14.0694% | 800 |
Tier 1 risk-based capital ratio | 20.4536% | 1,357 |
Total risk-based capital ratio | 21.7110% | 1,334 |
Memoranda: | ||
Average total assets | $101,829,000 | 4,396 |
Average earning assets | $95,543,330 | 4,350 |
Average equity | $14,090,000 | 3,982 |
Average total loans | $60,305,000 | 4,335 |
2016-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5845% | 4,667 |
Cost of funding earning assets | 0.3457% | 3,651 |
Net interest margin | 3.2388% | 4,436 |
Noninterest income to average assets | 0.0695% | 5,908 |
Noninterest expense to average assets | 2.3508% | 4,516 |
Loan and lease loss provision to assets | 0.5250% | 223 |
Net operating income to assets | 0.2202% | 5,489 |
Return on assets (ROA) | 0.2239% | 5,544 |
Pretax return on assets | 0.2355% | 5,597 |
Return on Equity (ROE) | 1.6475% | 5,591 |
Retained earnings to average equity (ytd only) | -1.3350% | 5,316 |
Net charge-offs to loans | 1.6395% | 99 |
Credit loss provision to net charge-offs | 54.1833% | 2,018 |
Earnings coverage of net charge-offs (x) | 0.7809% | 2,892 |
Efficiency ratio | 75.6522% | 2,223 |
Assets per employee ($millions) | 5.3409% | 1,990 |
Cash dividends to net income (ytd only)* | 181.0345% | 293 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1975% | 591 |
Loan loss allowance to noncurrent loans | 223.5195% | 2,065 |
Noncurrent assets plus other real estate owned to assets | 0.8741% | 2,506 |
Noncurrent loans to loans | 0.9831% | 2,419 |
Net loans and leases to total assets | 57.9357% | 4,045 |
Net loans and leases to deposits | 73.1899% | 3,527 |
Net loans and leases to core deposits | 79.8652% | 3,335 |
Total domestic deposits to total assets | 79.1580% | 4,933 |
Equity capital to assets | 13.8670% | 1,029 |
Core capital (leverage) ratio | 13.7984% | 865 |
Tier 1 risk-based capital ratio | 20.3307% | 1,437 |
Total risk-based capital ratio | 21.5880% | 1,411 |
Memoranda: | ||
Average total assets | $103,623,500 | 4,397 |
Average earning assets | $97,195,000 | 4,356 |
Average equity | $14,082,000 | 3,999 |
Average total loans | $61,239,500 | 4,337 |
2015-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6094% | 4,647 |
Cost of funding earning assets | 0.4041% | 3,111 |
Net interest margin | 3.2052% | 4,613 |
Noninterest income to average assets | 0.5051% | 3,294 |
Noninterest expense to average assets | 2.3060% | 4,770 |
Loan and lease loss provision to assets | -0.0962% | 5,847 |
Net operating income to assets | 1.2757% | 1,331 |
Return on assets (ROA) | 1.2757% | 1,376 |
Pretax return on assets | 1.2939% | 2,313 |
Return on Equity (ROE) | 9.6904% | 2,137 |
Retained earnings to average equity (ytd only) | 6.0218% | 1,780 |
Net charge-offs to loans | -0.0516% | 5,560 |
Credit loss provision to net charge-offs | 333.3333% | 897 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 65.8155% | 3,933 |
Assets per employee ($millions) | 5.5668% | 1,726 |
Cash dividends to net income (ytd only)* | 37.8582% | 2,964 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.3025% | 510 |
Loan loss allowance to noncurrent loans | 299.7912% | 1,644 |
Noncurrent assets plus other real estate owned to assets | 0.8698% | 2,496 |
Noncurrent loans to loans | 0.7680% | 2,869 |
Net loans and leases to total assets | 57.6067% | 4,138 |
Net loans and leases to deposits | 73.7446% | 3,525 |
Net loans and leases to core deposits | 81.2422% | 3,224 |
Total domestic deposits to total assets | 78.1165% | 5,143 |
Equity capital to assets | 13.3234% | 1,199 |
Core capital (leverage) ratio | 13.3535% | 1,016 |
Tier 1 risk-based capital ratio | 19.1990% | 1,657 |
Total risk-based capital ratio | 20.4584% | 1,611 |
Memoranda: | ||
Average total assets | $103,945,800 | 4,384 |
Average earning assets | $97,247,000 | 4,359 |
Average equity | $13,683,600 | 4,017 |
Average total loans | $58,189,800 | 4,421 |
2015-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6011% | 4,739 |
Cost of funding earning assets | 0.4216% | 2,996 |
Net interest margin | 3.1795% | 4,740 |
Noninterest income to average assets | 0.6132% | 2,672 |
Noninterest expense to average assets | 2.2443% | 4,926 |
Loan and lease loss provision to assets | 0.0129% | 4,013 |
Net operating income to assets | 1.3115% | 1,305 |
Return on assets (ROA) | 1.3115% | 1,360 |
Pretax return on assets | 1.3296% | 2,286 |
Return on Equity (ROE) | 9.9937% | 2,108 |
Retained earnings to average equity (ytd only) | 7.2745% | 1,554 |
Net charge-offs to loans | -0.2333% | 6,031 |
Credit loss provision to net charge-offs | -10.0000% | 4,850 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 62.5718% | 4,479 |
Assets per employee ($millions) | 5.3903% | 1,873 |
Cash dividends to net income (ytd only)* | 27.2099% | 2,938 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.7949% | 303 |
Loan loss allowance to noncurrent loans | 274.3633% | 1,729 |
Noncurrent assets plus other real estate owned to assets | 1.1307% | 2,110 |
Noncurrent loans to loans | 1.0187% | 2,439 |
Net loans and leases to total assets | 54.8781% | 4,474 |
Net loans and leases to deposits | 68.3780% | 4,152 |
Net loans and leases to core deposits | 75.5633% | 3,847 |
Total domestic deposits to total assets | 80.2570% | 4,685 |
Equity capital to assets | 13.6619% | 1,153 |
Core capital (leverage) ratio | 13.2548% | 1,108 |
Tier 1 risk-based capital ratio | 20.1995% | 1,503 |
Total risk-based capital ratio | 21.4634% | 1,468 |
Memoranda: | ||
Average total assets | $103,490,000 | 4,442 |
Average earning assets | $96,783,000 | 4,416 |
Average equity | $13,581,500 | 4,082 |
Average total loans | $57,145,750 | 4,498 |
2015-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4789% | 5,044 |
Cost of funding earning assets | 0.4382% | 2,864 |
Net interest margin | 3.0407% | 5,112 |
Noninterest income to average assets | 0.8050% | 1,759 |
Noninterest expense to average assets | 2.1859% | 5,157 |
Loan and lease loss provision to assets | 0.0193% | 3,745 |
Net operating income to assets | 1.4271% | 1,038 |
Return on assets (ROA) | 1.4271% | 1,075 |
Pretax return on assets | 1.4463% | 1,815 |
Return on Equity (ROE) | 11.0230% | 1,670 |
Retained earnings to average equity (ytd only) | 8.5238% | 1,068 |
Net charge-offs to loans | 0.0211% | 3,253 |
Credit loss provision to net charge-offs | 166.6667% | 1,427 |
Earnings coverage of net charge-offs (x) | 126.8333% | 496 |
Efficiency ratio | 59.8629% | 5,003 |
Assets per employee ($millions) | 6.0391% | 1,324 |
Cash dividends to net income (ytd only)* | 22.6721% | 3,099 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.6690% | 389 |
Loan loss allowance to noncurrent loans | 151.9115% | 2,776 |
Noncurrent assets plus other real estate owned to assets | 1.4961% | 1,650 |
Noncurrent loans to loans | 1.7569% | 1,459 |
Net loans and leases to total assets | 53.6366% | 4,593 |
Net loans and leases to deposits | 66.3294% | 4,305 |
Net loans and leases to core deposits | 69.3649% | 4,380 |
Total domestic deposits to total assets | 80.8640% | 4,646 |
Equity capital to assets | 13.3249% | 1,250 |
Core capital (leverage) ratio | 13.3645% | 1,023 |
Tier 1 risk-based capital ratio | 20.8329% | 1,399 |
Total risk-based capital ratio | 22.0956% | 1,368 |
Memoranda: | ||
Average total assets | $103,848,000 | 4,470 |
Average earning assets | $97,214,000 | 4,440 |
Average equity | $13,444,670 | 4,129 |
Average total loans | $56,921,000 | 4,545 |
2015-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4534% | 5,076 |
Cost of funding earning assets | 0.4490% | 2,776 |
Net interest margin | 3.0044% | 5,203 |
Noninterest income to average assets | 0.2145% | 5,417 |
Noninterest expense to average assets | 2.1448% | 5,290 |
Loan and lease loss provision to assets | 0.0000% | 3,703 |
Net operating income to assets | 0.8771% | 2,857 |
Return on assets (ROA) | 0.8771% | 2,985 |
Pretax return on assets | 0.8886% | 3,932 |
Return on Equity (ROE) | 6.8733% | 3,570 |
Retained earnings to average equity (ytd only) | 6.8733% | 2,066 |
Net charge-offs to loans | 0.0140% | 2,894 |
Credit loss provision to net charge-offs | 0.0000% | 2,491 |
Earnings coverage of net charge-offs (x) | 116.0000% | 431 |
Efficiency ratio | 70.7071% | 3,367 |
Assets per employee ($millions) | 5.6562% | 1,662 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.7164% | 399 |
Loan loss allowance to noncurrent loans | 161.3734% | 2,635 |
Noncurrent assets plus other real estate owned to assets | 1.4478% | 1,826 |
Noncurrent loans to loans | 1.6833% | 1,642 |
Net loans and leases to total assets | 52.9044% | 4,559 |
Net loans and leases to deposits | 65.1739% | 4,252 |
Net loans and leases to core deposits | 69.3798% | 4,214 |
Total domestic deposits to total assets | 81.1741% | 4,778 |
Equity capital to assets | 13.2440% | 1,284 |
Core capital (leverage) ratio | 13.2481% | 1,069 |
Tier 1 risk-based capital ratio | 20.8312% | 1,455 |
Total risk-based capital ratio | 22.0948% | 1,425 |
Memoranda: | ||
Average total assets | $104,439,500 | 4,491 |
Average earning assets | $97,990,000 | 4,458 |
Average equity | $13,327,000 | 4,182 |
Average total loans | $57,093,500 | 4,576 |
2014-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4583% | 5,420 |
Cost of funding earning assets | 0.5032% | 2,645 |
Net interest margin | 2.9551% | 5,542 |
Noninterest income to average assets | 0.2681% | 5,209 |
Noninterest expense to average assets | 1.9689% | 5,823 |
Loan and lease loss provision to assets | 0.5249% | 280 |
Net operating income to assets | 0.5353% | 4,661 |
Return on assets (ROA) | 0.5353% | 4,741 |
Pretax return on assets | 0.5419% | 5,132 |
Return on Equity (ROE) | 4.3856% | 4,941 |
Retained earnings to average equity (ytd only) | 0.9943% | 5,329 |
Net charge-offs to loans | 0.0193% | 4,466 |
Credit loss provision to net charge-offs | 5,072.7273% | 57 |
Earnings coverage of net charge-offs (x) | 103.0909% | 510 |
Efficiency ratio | 64.8590% | 4,425 |
Assets per employee ($millions) | 5.9482% | 1,417 |
Cash dividends to net income (ytd only)* | 77.3286% | 991 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.5604% | 512 |
Loan loss allowance to noncurrent loans | 165.3128% | 2,603 |
Noncurrent assets plus other real estate owned to assets | 1.3571% | 2,056 |
Noncurrent loans to loans | 1.5488% | 1,892 |
Net loans and leases to total assets | 53.5310% | 4,633 |
Net loans and leases to deposits | 68.9882% | 4,030 |
Net loans and leases to core deposits | 73.1503% | 4,010 |
Total domestic deposits to total assets | 77.5944% | 5,510 |
Equity capital to assets | 12.3007% | 1,785 |
Core capital (leverage) ratio | 12.7722% | 1,219 |
Tier 1 risk-based capital ratio | 19.6381% | 1,672 |
Total risk-based capital ratio | 20.8998% | 1,635 |
Memoranda: | ||
Average total assets | $106,301,000 | 4,447 |
Average earning assets | $99,558,200 | 4,399 |
Average equity | $12,974,400 | 4,204 |
Average total loans | $56,958,800 | 4,585 |
2014-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4516% | 5,495 |
Cost of funding earning assets | 0.5073% | 2,687 |
Net interest margin | 2.9444% | 5,613 |
Noninterest income to average assets | 0.2676% | 5,291 |
Noninterest expense to average assets | 1.8634% | 6,001 |
Loan and lease loss provision to assets | 0.1294% | 1,940 |
Net operating income to assets | 1.0178% | 2,375 |
Return on assets (ROA) | 1.0178% | 2,429 |
Pretax return on assets | 1.0316% | 3,461 |
Return on Equity (ROE) | 8.3553% | 3,006 |
Retained earnings to average equity (ytd only) | 5.5496% | 2,709 |
Net charge-offs to loans | -0.2596% | 6,358 |
Credit loss provision to net charge-offs | -93.6364% | 5,437 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 61.6120% | 4,944 |
Assets per employee ($millions) | 5.7622% | 1,519 |
Cash dividends to net income (ytd only)* | 33.5806% | 2,640 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1829% | 970 |
Loan loss allowance to noncurrent loans | 138.0448% | 2,919 |
Noncurrent assets plus other real estate owned to assets | 1.4722% | 2,094 |
Noncurrent loans to loans | 1.5813% | 2,059 |
Net loans and leases to total assets | 50.6344% | 4,931 |
Net loans and leases to deposits | 62.7890% | 4,666 |
Net loans and leases to core deposits | 65.1144% | 4,791 |
Total domestic deposits to total assets | 80.6421% | 4,929 |
Equity capital to assets | 12.9406% | 1,462 |
Core capital (leverage) ratio | 13.1278% | 1,126 |
Tier 1 risk-based capital ratio | 22.1670% | 1,242 |
Total risk-based capital ratio | 23.4247% | 1,222 |
Memoranda: | ||
Average total assets | $106,109,500 | 4,499 |
Average earning assets | $99,351,250 | 4,453 |
Average equity | $12,925,500 | 4,234 |
Average total loans | $56,493,500 | 4,644 |
2014-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4301% | 5,559 |
Cost of funding earning assets | 0.5117% | 2,709 |
Net interest margin | 2.9184% | 5,705 |
Noninterest income to average assets | 0.2769% | 5,214 |
Noninterest expense to average assets | 1.7473% | 6,216 |
Loan and lease loss provision to assets | 0.1927% | 1,269 |
Net operating income to assets | 1.0551% | 2,106 |
Return on assets (ROA) | 1.0551% | 2,180 |
Pretax return on assets | 1.0682% | 3,216 |
Return on Equity (ROE) | 8.8401% | 2,672 |
Retained earnings to average equity (ytd only) | 6.2069% | 2,210 |
Net charge-offs to loans | 0.0000% | 4,375 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 58.0846% | 5,547 |
Assets per employee ($millions) | 5.4698% | 1,722 |
Cash dividends to net income (ytd only)* | 29.7872% | 2,797 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9382% | 1,486 |
Loan loss allowance to noncurrent loans | 162.6340% | 2,542 |
Noncurrent assets plus other real estate owned to assets | 1.1720% | 2,735 |
Noncurrent loans to loans | 1.1918% | 2,848 |
Net loans and leases to total assets | 51.7012% | 4,776 |
Net loans and leases to deposits | 63.3942% | 4,557 |
Net loans and leases to core deposits | 66.1174% | 4,631 |
Total domestic deposits to total assets | 81.5551% | 4,799 |
Equity capital to assets | 12.8033% | 1,488 |
Core capital (leverage) ratio | 13.0497% | 1,139 |
Tier 1 risk-based capital ratio | 21.8297% | 1,283 |
Total risk-based capital ratio | 23.0859% | 1,260 |
Memoranda: | ||
Average total assets | $106,906,000 | 4,515 |
Average earning assets | $100,056,000 | 4,472 |
Average equity | $12,760,000 | 4,275 |
Average total loans | $57,428,000 | 4,641 |
2014-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4425% | 5,550 |
Cost of funding earning assets | 0.5205% | 2,712 |
Net interest margin | 2.9220% | 5,704 |
Noninterest income to average assets | 0.2288% | 5,524 |
Noninterest expense to average assets | 2.0001% | 5,887 |
Loan and lease loss provision to assets | 0.0369% | 3,322 |
Net operating income to assets | 0.9152% | 2,575 |
Return on assets (ROA) | 0.9152% | 2,648 |
Pretax return on assets | 0.9262% | 3,602 |
Return on Equity (ROE) | 7.9443% | 2,957 |
Retained earnings to average equity (ytd only) | 7.9443% | 1,614 |
Net charge-offs to loans | 0.0477% | 2,719 |
Credit loss provision to net charge-offs | 142.8571% | 1,298 |
Earnings coverage of net charge-offs (x) | 37.2857% | 920 |
Efficiency ratio | 67.4969% | 4,272 |
Assets per employee ($millions) | 5.8218% | 1,436 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7224% | 2,279 |
Loan loss allowance to noncurrent loans | 143.1548% | 2,740 |
Noncurrent assets plus other real estate owned to assets | 1.2768% | 2,732 |
Noncurrent loans to loans | 1.2032% | 3,035 |
Net loans and leases to total assets | 52.3804% | 4,632 |
Net loans and leases to deposits | 63.7445% | 4,340 |
Net loans and leases to core deposits | 66.6412% | 4,434 |
Total domestic deposits to total assets | 82.1725% | 4,894 |
Equity capital to assets | 12.1229% | 1,788 |
Core capital (leverage) ratio | 12.6716% | 1,310 |
Tier 1 risk-based capital ratio | 21.1809% | 1,439 |
Total risk-based capital ratio | 22.4336% | 1,411 |
Memoranda: | ||
Average total assets | $108,396,000 | 4,523 |
Average earning assets | $101,438,000 | 4,469 |
Average equity | $12,487,000 | 4,350 |
Average total loans | $58,745,500 | 4,629 |
2013-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.2235% | 6,112 |
Cost of funding earning assets | 0.6438% | 2,257 |
Net interest margin | 2.5797% | 6,285 |
Noninterest income to average assets | 0.2606% | 5,484 |
Noninterest expense to average assets | 1.8787% | 6,215 |
Loan and lease loss provision to assets | 0.0309% | 4,495 |
Net operating income to assets | 0.7729% | 3,432 |
Return on assets (ROA) | 0.7729% | 3,525 |
Pretax return on assets | 0.7826% | 4,212 |
Return on Equity (ROE) | 7.1282% | 3,498 |
Retained earnings to average equity (ytd only) | 4.4643% | 2,998 |
Net charge-offs to loans | 0.7347% | 875 |
Credit loss provision to net charge-offs | 8.3933% | 4,602 |
Earnings coverage of net charge-offs (x) | 2.2086% | 4,287 |
Efficiency ratio | 69.7835% | 3,870 |
Assets per employee ($millions) | 5.8947% | 1,340 |
Cash dividends to net income (ytd only)* | 37.3714% | 2,933 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5559% | 2,936 |
Loan loss allowance to noncurrent loans | 256.4171% | 1,697 |
Noncurrent assets plus other real estate owned to assets | 0.9295% | 3,583 |
Noncurrent loans to loans | 0.6068% | 4,459 |
Net loans and leases to total assets | 54.1782% | 4,561 |
Net loans and leases to deposits | 68.9025% | 3,918 |
Net loans and leases to core deposits | 72.6616% | 3,994 |
Total domestic deposits to total assets | 78.6302% | 5,722 |
Equity capital to assets | 10.9555% | 2,656 |
Core capital (leverage) ratio | 11.9647% | 1,633 |
Tier 1 risk-based capital ratio | 18.7904% | 1,983 |
Total risk-based capital ratio | 20.0421% | 1,944 |
Memoranda: | ||
Average total assets | $113,213,600 | 4,428 |
Average earning assets | $106,717,000 | 4,343 |
Average equity | $12,275,200 | 4,398 |
Average total loans | $56,757,000 | 4,720 |
2013-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.1593% | 6,245 |
Cost of funding earning assets | 0.6620% | 2,243 |
Net interest margin | 2.4973% | 6,430 |
Noninterest income to average assets | 0.2631% | 5,565 |
Noninterest expense to average assets | 1.8898% | 6,199 |
Loan and lease loss provision to assets | -0.0470% | 6,548 |
Net operating income to assets | 0.7681% | 3,519 |
Return on assets (ROA) | 0.7681% | 3,646 |
Pretax return on assets | 0.7775% | 4,392 |
Return on Equity (ROE) | 7.1028% | 3,587 |
Retained earnings to average equity (ytd only) | 4.4420% | 3,510 |
Net charge-offs to loans | 0.8955% | 649 |
Credit loss provision to net charge-offs | -10.7239% | 5,610 |
Earnings coverage of net charge-offs (x) | 1.6676% | 4,284 |
Efficiency ratio | 72.1201% | 3,382 |
Assets per employee ($millions) | 5.5758% | 1,558 |
Cash dividends to net income (ytd only)* | 37.4619% | 2,370 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6405% | 2,841 |
Loan loss allowance to noncurrent loans | 230.2730% | 1,761 |
Noncurrent assets plus other real estate owned to assets | 0.9353% | 3,803 |
Noncurrent loans to loans | 0.7124% | 4,430 |
Net loans and leases to total assets | 49.8933% | 5,149 |
Net loans and leases to deposits | 59.1904% | 5,074 |
Net loans and leases to core deposits | 62.6269% | 5,052 |
Total domestic deposits to total assets | 84.2928% | 4,067 |
Equity capital to assets | 10.7940% | 2,960 |
Core capital (leverage) ratio | 11.7177% | 1,879 |
Tier 1 risk-based capital ratio | 19.9338% | 1,752 |
Total risk-based capital ratio | 21.1859% | 1,722 |
Memoranda: | ||
Average total assets | $113,517,250 | 4,463 |
Average earning assets | $107,152,250 | 4,376 |
Average equity | $12,276,500 | 4,439 |
Average total loans | $55,536,750 | 4,804 |
2013-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.1457% | 6,296 |
Cost of funding earning assets | 0.6702% | 2,318 |
Net interest margin | 2.4754% | 6,472 |
Noninterest income to average assets | 0.2662% | 5,545 |
Noninterest expense to average assets | 1.8759% | 6,261 |
Loan and lease loss provision to assets | 0.0000% | 4,788 |
Net operating income to assets | 0.7234% | 3,701 |
Return on assets (ROA) | 0.7234% | 3,869 |
Pretax return on assets | 0.7321% | 4,566 |
Return on Equity (ROE) | 6.6848% | 3,780 |
Retained earnings to average equity (ytd only) | 4.0465% | 3,725 |
Net charge-offs to loans | 1.3516% | 417 |
Credit loss provision to net charge-offs | 0.0000% | 4,003 |
Earnings coverage of net charge-offs (x) | 1.1206% | 4,161 |
Efficiency ratio | 71.9275% | 3,483 |
Assets per employee ($millions) | 5.8394% | 1,319 |
Cash dividends to net income (ytd only)* | 39.4673% | 2,275 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8168% | 2,385 |
Loan loss allowance to noncurrent loans | 251.4286% | 1,634 |
Noncurrent assets plus other real estate owned to assets | 0.9239% | 3,940 |
Noncurrent loans to loans | 0.7226% | 4,481 |
Net loans and leases to total assets | 47.1500% | 5,415 |
Net loans and leases to deposits | 55.4411% | 5,394 |
Net loans and leases to core deposits | 57.9532% | 5,424 |
Total domestic deposits to total assets | 85.0452% | 3,868 |
Equity capital to assets | 10.9673% | 2,784 |
Core capital (leverage) ratio | 11.4058% | 2,018 |
Tier 1 risk-based capital ratio | 20.5255% | 1,605 |
Total risk-based capital ratio | 21.7798% | 1,577 |
Memoranda: | ||
Average total assets | $114,184,330 | 4,481 |
Average earning assets | $108,021,330 | 4,383 |
Average equity | $12,356,330 | 4,448 |
Average total loans | $55,193,330 | 4,846 |
2013-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.0930% | 6,405 |
Cost of funding earning assets | 0.6841% | 2,351 |
Net interest margin | 2.4089% | 6,588 |
Noninterest income to average assets | 0.2314% | 5,799 |
Noninterest expense to average assets | 1.9032% | 6,270 |
Loan and lease loss provision to assets | 0.0000% | 4,409 |
Net operating income to assets | 0.6114% | 4,165 |
Return on assets (ROA) | 0.6114% | 4,326 |
Pretax return on assets | 0.6148% | 4,896 |
Return on Equity (ROE) | 5.6865% | 4,208 |
Retained earnings to average equity (ytd only) | 5.6865% | 2,849 |
Net charge-offs to loans | -0.0427% | 6,066 |
Credit loss provision to net charge-offs | 0.0000% | 3,239 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 75.5830% | 2,997 |
Assets per employee ($millions) | 6.0503% | 1,221 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.5456% | 1,062 |
Loan loss allowance to noncurrent loans | 92.3868% | 3,568 |
Noncurrent assets plus other real estate owned to assets | 1.3649% | 3,227 |
Noncurrent loans to loans | 2.7554% | 1,848 |
Net loans and leases to total assets | 44.8593% | 5,567 |
Net loans and leases to deposits | 52.4363% | 5,581 |
Net loans and leases to core deposits | 54.7728% | 5,621 |
Total domestic deposits to total assets | 85.5500% | 3,771 |
Equity capital to assets | 10.8834% | 3,096 |
Core capital (leverage) ratio | 11.0693% | 2,206 |
Tier 1 risk-based capital ratio | 20.6285% | 1,631 |
Total risk-based capital ratio | 21.8898% | 1,596 |
Memoranda: | ||
Average total assets | $115,802,500 | 4,488 |
Average earning assets | $109,927,000 | 4,374 |
Average equity | $12,450,500 | 4,484 |
Average total loans | $56,150,000 | 4,851 |
2012-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7336% | 5,986 |
Cost of funding earning assets | 0.9259% | 1,782 |
Net interest margin | 2.8077% | 6,376 |
Noninterest income to average assets | 0.2626% | 5,587 |
Noninterest expense to average assets | 1.8769% | 6,523 |
Loan and lease loss provision to assets | 0.5225% | 1,115 |
Net operating income to assets | 0.5092% | 4,646 |
Return on assets (ROA) | 0.8036% | 3,522 |
Pretax return on assets | 0.8072% | 4,264 |
Return on Equity (ROE) | 7.2582% | 3,492 |
Retained earnings to average equity (ytd only) | 0.4887% | 5,604 |
Net charge-offs to loans | 1.8716% | 413 |
Credit loss provision to net charge-offs | 52.6834% | 4,626 |
Earnings coverage of net charge-offs (x) | 1.0438% | 4,950 |
Efficiency ratio | 64.4532% | 4,805 |
Assets per employee ($millions) | 6.1395% | 1,198 |
Cash dividends to net income (ytd only)* | 93.2671% | 623 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.2581% | 1,443 |
Loan loss allowance to noncurrent loans | 109.0244% | 3,127 |
Noncurrent assets plus other real estate owned to assets | 1.2027% | 3,654 |
Noncurrent loans to loans | 2.0712% | 2,613 |
Net loans and leases to total assets | 49.7591% | 5,201 |
Net loans and leases to deposits | 61.1833% | 4,885 |
Net loans and leases to core deposits | 64.0132% | 4,952 |
Total domestic deposits to total assets | 81.3279% | 5,301 |
Equity capital to assets | 10.6215% | 3,376 |
Core capital (leverage) ratio | 10.9111% | 2,329 |
Tier 1 risk-based capital ratio | 18.7086% | 2,046 |
Total risk-based capital ratio | 19.9675% | 2,005 |
Memoranda: | ||
Average total assets | $112,736,400 | 4,529 |
Average earning assets | $106,386,600 | 4,435 |
Average equity | $12,482,400 | 4,463 |
Average total loans | $59,733,800 | 4,721 |
2012-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8466% | 5,909 |
Cost of funding earning assets | 0.9784% | 1,689 |
Net interest margin | 2.8682% | 6,413 |
Noninterest income to average assets | 0.2637% | 5,674 |
Noninterest expense to average assets | 1.8898% | 6,538 |
Loan and lease loss provision to assets | 0.6681% | 774 |
Net operating income to assets | 0.4080% | 5,216 |
Return on assets (ROA) | 0.8041% | 3,674 |
Pretax return on assets | 0.8053% | 4,463 |
Return on Equity (ROE) | 7.1860% | 3,708 |
Retained earnings to average equity (ytd only) | -1.5246% | 6,335 |
Net charge-offs to loans | 1.9502% | 380 |
Credit loss provision to net charge-offs | 64.0000% | 4,051 |
Earnings coverage of net charge-offs (x) | 1.0320% | 4,796 |
Efficiency ratio | 63.6912% | 4,854 |
Assets per employee ($millions) | 6.3547% | 1,031 |
Cash dividends to net income (ytd only)* | 121.2176% | 189 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.7288% | 954 |
Loan loss allowance to noncurrent loans | 100.3873% | 3,218 |
Noncurrent assets plus other real estate owned to assets | 1.4932% | 3,354 |
Noncurrent loans to loans | 2.7183% | 2,084 |
Net loans and leases to total assets | 48.4583% | 5,494 |
Net loans and leases to deposits | 58.0810% | 5,424 |
Net loans and leases to core deposits | 62.8675% | 5,274 |
Total domestic deposits to total assets | 83.4323% | 4,466 |
Equity capital to assets | 10.7855% | 3,523 |
Core capital (leverage) ratio | 11.0155% | 2,363 |
Tier 1 risk-based capital ratio | 19.1491% | 1,964 |
Total risk-based capital ratio | 20.4126% | 1,933 |
Memoranda: | ||
Average total assets | $111,758,000 | 4,597 |
Average earning assets | $105,337,500 | 4,503 |
Average equity | $12,505,500 | 4,503 |
Average total loans | $59,821,000 | 4,773 |
2012-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9655% | 5,746 |
Cost of funding earning assets | 1.0364% | 1,541 |
Net interest margin | 2.9291% | 6,379 |
Noninterest income to average assets | 0.2706% | 5,642 |
Noninterest expense to average assets | 1.9210% | 6,562 |
Loan and lease loss provision to assets | 1.0101% | 437 |
Net operating income to assets | 0.0992% | 6,161 |
Return on assets (ROA) | 0.6980% | 4,144 |
Pretax return on assets | 0.6962% | 4,839 |
Return on Equity (ROE) | 6.1616% | 4,235 |
Retained earnings to average equity (ytd only) | -4.1555% | 6,560 |
Net charge-offs to loans | -0.0625% | 6,727 |
Credit loss provision to net charge-offs | -2,947.3684% | 6,522 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 63.4306% | 5,001 |
Assets per employee ($millions) | 6.4244% | 1,000 |
Cash dividends to net income (ytd only)* | 167.4419% | 125 |
Condition Ratios (%) | ||
Loss allowance to loans | 4.1735% | 306 |
Loan loss allowance to noncurrent loans | 103.4643% | 3,115 |
Noncurrent assets plus other real estate owned to assets | 2.3129% | 2,419 |
Noncurrent loans to loans | 4.0337% | 1,361 |
Net loans and leases to total assets | 51.4865% | 5,158 |
Net loans and leases to deposits | 61.0948% | 5,117 |
Net loans and leases to core deposits | 64.2361% | 5,189 |
Total domestic deposits to total assets | 84.2732% | 4,205 |
Equity capital to assets | 11.0232% | 3,092 |
Core capital (leverage) ratio | 11.1032% | 2,203 |
Tier 1 risk-based capital ratio | 19.1380% | 1,929 |
Total risk-based capital ratio | 20.4191% | 1,900 |
Memoranda: | ||
Average total assets | $110,882,330 | 4,643 |
Average earning assets | $104,401,000 | 4,552 |
Average equity | $12,561,670 | 4,486 |
Average total loans | $60,766,670 | 4,754 |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0933% | 5,481 |
Cost of funding earning assets | 1.1081% | 1,360 |
Net interest margin | 2.9853% | 6,321 |
Noninterest income to average assets | 0.2506% | 5,851 |
Noninterest expense to average assets | 1.8941% | 6,657 |
Loan and lease loss provision to assets | 0.0000% | 5,254 |
Net operating income to assets | 1.1708% | 1,822 |
Return on assets (ROA) | 1.1708% | 2,005 |
Pretax return on assets | 1.1637% | 3,054 |
Return on Equity (ROE) | 10.2004% | 2,326 |
Retained earnings to average equity (ytd only) | 0.5303% | 5,828 |
Net charge-offs to loans | 0.0000% | 4,730 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 61.9438% | 5,286 |
Assets per employee ($millions) | 6.3192% | 1,079 |
Cash dividends to net income (ytd only)* | 94.8012% | 607 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.2497% | 648 |
Loan loss allowance to noncurrent loans | 392.8571% | 857 |
Noncurrent assets plus other real estate owned to assets | 0.5583% | 5,486 |
Noncurrent loans to loans | 0.8272% | 5,019 |
Net loans and leases to total assets | 48.9463% | 5,439 |
Net loans and leases to deposits | 58.3047% | 5,342 |
Net loans and leases to core deposits | 62.9298% | 5,229 |
Total domestic deposits to total assets | 83.9492% | 4,518 |
Equity capital to assets | 11.0809% | 2,814 |
Core capital (leverage) ratio | 11.2591% | 2,067 |
Tier 1 risk-based capital ratio | 19.3768% | 1,879 |
Total risk-based capital ratio | 20.6468% | 1,836 |
Memoranda: | ||
Average total assets | $111,716,000 | 4,660 |
Average earning assets | $105,048,500 | 4,569 |
Average equity | $12,823,000 | 4,433 |
Average total loans | $61,810,000 | 4,740 |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7350% | 4,103 |
Cost of funding earning assets | 1.2601% | 1,680 |
Net interest margin | 3.4749% | 5,240 |
Noninterest income to average assets | 0.2478% | 5,757 |
Noninterest expense to average assets | 2.0027% | 6,670 |
Loan and lease loss provision to assets | 0.5424% | 1,934 |
Net operating income to assets | 0.9509% | 2,404 |
Return on assets (ROA) | 0.9732% | 2,443 |
Pretax return on assets | 0.9835% | 3,302 |
Return on Equity (ROE) | 8.0756% | 2,865 |
Retained earnings to average equity (ytd only) | 4.7737% | 2,805 |
Net charge-offs to loans | 0.0046% | 6,379 |
Credit loss provision to net charge-offs | 19,266.6667% | 7 |
Earnings coverage of net charge-offs (x) | 534.0000% | 61 |
Efficiency ratio | 57.1199% | 6,174 |
Assets per employee ($millions) | 6.0937% | 1,166 |
Cash dividends to net income (ytd only)* | 40.8872% | 2,539 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.8301% | 948 |
Loan loss allowance to noncurrent loans | 434.8837% | 781 |
Noncurrent assets plus other real estate owned to assets | 0.5370% | 5,629 |
Noncurrent loans to loans | 0.6508% | 5,402 |
Net loans and leases to total assets | 58.5357% | 4,273 |
Net loans and leases to deposits | 71.9298% | 3,808 |
Net loans and leases to core deposits | 77.2849% | 3,787 |
Total domestic deposits to total assets | 81.3788% | 5,332 |
Equity capital to assets | 11.8902% | 2,206 |
Core capital (leverage) ratio | 11.7758% | 1,723 |
Tier 1 risk-based capital ratio | 17.3010% | 2,465 |
Total risk-based capital ratio | 18.5669% | 2,431 |
Memoranda: | ||
Average total assets | $106,554,200 | 4,719 |
Average earning assets | $99,916,400 | 4,645 |
Average equity | $12,841,200 | 4,365 |
Average total loans | $64,773,400 | 4,688 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7630% | 4,176 |
Cost of funding earning assets | 1.3006% | 1,697 |
Net interest margin | 3.4624% | 5,350 |
Noninterest income to average assets | 0.2559% | 5,793 |
Noninterest expense to average assets | 1.8795% | 6,877 |
Loan and lease loss provision to assets | 0.1651% | 4,413 |
Net operating income to assets | 1.4436% | 1,069 |
Return on assets (ROA) | 1.4736% | 1,082 |
Pretax return on assets | 1.4900% | 1,679 |
Return on Equity (ROE) | 12.1854% | 1,495 |
Retained earnings to average equity (ytd only) | 8.7247% | 1,243 |
Net charge-offs to loans | 0.0062% | 6,087 |
Credit loss provision to net charge-offs | 4,366.6667% | 72 |
Earnings coverage of net charge-offs (x) | 429.6550% | 85 |
Efficiency ratio | 53.6331% | 6,529 |
Assets per employee ($millions) | 6.3346% | 1,021 |
Cash dividends to net income (ytd only)* | 28.4006% | 2,551 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.2508% | 1,775 |
Loan loss allowance to noncurrent loans | 295.2282% | 1,046 |
Noncurrent assets plus other real estate owned to assets | 0.6073% | 5,607 |
Noncurrent loans to loans | 0.7624% | 5,348 |
Net loans and leases to total assets | 57.3871% | 4,611 |
Net loans and leases to deposits | 71.7433% | 4,024 |
Net loans and leases to core deposits | 77.1841% | 4,018 |
Total domestic deposits to total assets | 79.9894% | 5,738 |
Equity capital to assets | 12.4266% | 1,957 |
Core capital (leverage) ratio | 11.9732% | 1,721 |
Tier 1 risk-based capital ratio | 18.1373% | 2,205 |
Total risk-based capital ratio | 19.3961% | 2,166 |
Memoranda: | ||
Average total assets | $105,771,000 | 4,767 |
Average earning assets | $99,235,250 | 4,688 |
Average equity | $12,791,000 | 4,383 |
Average total loans | $64,447,750 | 4,732 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7850% | 4,153 |
Cost of funding earning assets | 1.3353% | 1,725 |
Net interest margin | 3.4498% | 5,369 |
Noninterest income to average assets | 0.2644% | 5,759 |
Noninterest expense to average assets | 1.8510% | 7,010 |
Loan and lease loss provision to assets | 0.2492% | 3,416 |
Net operating income to assets | 1.3835% | 1,117 |
Return on assets (ROA) | 1.4287% | 1,089 |
Pretax return on assets | 1.4439% | 1,683 |
Return on Equity (ROE) | 11.9263% | 1,515 |
Retained earnings to average equity (ytd only) | 8.0991% | 1,430 |
Net charge-offs to loans | -0.0031% | 6,547 |
Credit loss provision to net charge-offs | -13,100.0000% | 6,820 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 52.9092% | 6,725 |
Assets per employee ($millions) | 6.7839% | 812 |
Cash dividends to net income (ytd only)* | 32.0905% | 2,391 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.2824% | 1,774 |
Loan loss allowance to noncurrent loans | 269.2453% | 1,158 |
Noncurrent assets plus other real estate owned to assets | 0.5823% | 5,759 |
Noncurrent loans to loans | 0.8477% | 5,245 |
Net loans and leases to total assets | 56.2879% | 4,943 |
Net loans and leases to deposits | 68.5232% | 4,631 |
Net loans and leases to core deposits | 73.5281% | 4,638 |
Total domestic deposits to total assets | 82.1442% | 5,117 |
Equity capital to assets | 11.9382% | 2,135 |
Core capital (leverage) ratio | 11.9478% | 1,627 |
Tier 1 risk-based capital ratio | 17.8844% | 2,213 |
Total risk-based capital ratio | 19.1437% | 2,165 |
Memoranda: | ||
Average total assets | $105,132,000 | 4,823 |
Average earning assets | $98,557,670 | 4,743 |
Average equity | $12,594,000 | 4,419 |
Average total loans | $64,856,330 | 4,757 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6823% | 4,600 |
Cost of funding earning assets | 1.3861% | 1,686 |
Net interest margin | 3.2962% | 5,792 |
Noninterest income to average assets | 0.2398% | 5,988 |
Noninterest expense to average assets | 1.8912% | 7,002 |
Loan and lease loss provision to assets | 0.5066% | 1,716 |
Net operating income to assets | 0.9282% | 2,452 |
Return on assets (ROA) | 0.9707% | 2,345 |
Pretax return on assets | 0.9746% | 3,230 |
Return on Equity (ROE) | 8.0889% | 2,868 |
Retained earnings to average equity (ytd only) | 3.2871% | 4,214 |
Net charge-offs to loans | 0.0000% | 5,107 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 56.7944% | 6,409 |
Assets per employee ($millions) | 6.5185% | 924 |
Cash dividends to net income (ytd only)* | 59.3625% | 1,265 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.2187% | 1,917 |
Loan loss allowance to noncurrent loans | 256.4748% | 1,178 |
Noncurrent assets plus other real estate owned to assets | 0.6309% | 5,691 |
Noncurrent loans to loans | 0.8651% | 5,305 |
Net loans and leases to total assets | 60.2564% | 4,216 |
Net loans and leases to deposits | 73.9475% | 3,764 |
Net loans and leases to core deposits | 77.2232% | 4,129 |
Total domestic deposits to total assets | 81.4854% | 5,501 |
Equity capital to assets | 11.9621% | 1,939 |
Core capital (leverage) ratio | 11.6941% | 1,742 |
Tier 1 risk-based capital ratio | 17.1719% | 2,412 |
Total risk-based capital ratio | 18.4318% | 2,387 |
Memoranda: | ||
Average total assets | $103,427,000 | 4,906 |
Average earning assets | $96,960,000 | 4,823 |
Average equity | $12,412,000 | 4,465 |
Average total loans | $66,023,000 | 4,763 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3541% | 2,878 |
Cost of funding earning assets | 1.5978% | 2,083 |
Net interest margin | 3.7563% | 4,125 |
Noninterest income to average assets | 0.2759% | 5,808 |
Noninterest expense to average assets | 1.8814% | 7,186 |
Loan and lease loss provision to assets | 0.6384% | 2,578 |
Net operating income to assets | 1.2521% | 1,288 |
Return on assets (ROA) | 1.2659% | 1,320 |
Pretax return on assets | 1.2729% | 2,008 |
Return on Equity (ROE) | 10.5603% | 1,736 |
Retained earnings to average equity (ytd only) | 5.8825% | 1,893 |
Net charge-offs to loans | 1.1353% | 1,966 |
Credit loss provision to net charge-offs | 85.5808% | 5,314 |
Earnings coverage of net charge-offs (x) | 2.5434% | 3,841 |
Efficiency ratio | 49.7891% | 7,138 |
Assets per employee ($millions) | 6.0328% | 1,190 |
Cash dividends to net income (ytd only)* | 44.2958% | 2,384 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9107% | 2,530 |
Loan loss allowance to noncurrent loans | 524.2915% | 621 |
Noncurrent assets plus other real estate owned to assets | 0.3403% | 6,405 |
Noncurrent loans to loans | 0.3644% | 6,331 |
Net loans and leases to total assets | 64.8219% | 3,707 |
Net loans and leases to deposits | 79.2816% | 3,294 |
Net loans and leases to core deposits | 82.8432% | 3,770 |
Total domestic deposits to total assets | 81.7615% | 5,258 |
Equity capital to assets | 12.0400% | 1,892 |
Core capital (leverage) ratio | 11.8142% | 1,661 |
Tier 1 risk-based capital ratio | 16.2331% | 2,644 |
Total risk-based capital ratio | 17.4897% | 2,596 |
Memoranda: | ||
Average total assets | $100,401,400 | 4,976 |
Average earning assets | $93,628,800 | 4,900 |
Average equity | $12,035,600 | 4,591 |
Average total loans | $65,971,600 | 4,825 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3927% | 2,920 |
Cost of funding earning assets | 1.6271% | 2,237 |
Net interest margin | 3.7656% | 4,112 |
Noninterest income to average assets | 0.2777% | 5,884 |
Noninterest expense to average assets | 1.9066% | 7,199 |
Loan and lease loss provision to assets | 0.6742% | 2,271 |
Net operating income to assets | 1.1991% | 1,597 |
Return on assets (ROA) | 1.2176% | 1,619 |
Pretax return on assets | 1.2257% | 2,408 |
Return on Equity (ROE) | 10.1691% | 2,059 |
Retained earnings to average equity (ytd only) | 3.8914% | 3,728 |
Net charge-offs to loans | 1.5262% | 1,316 |
Credit loss provision to net charge-offs | 67.3333% | 5,489 |
Earnings coverage of net charge-offs (x) | 1.8787% | 4,302 |
Efficiency ratio | 50.3349% | 7,128 |
Assets per employee ($millions) | 6.3435% | 1,049 |
Cash dividends to net income (ytd only)* | 61.7326% | 1,190 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7784% | 2,854 |
Loan loss allowance to noncurrent loans | 1,206.2500% | 305 |
Noncurrent assets plus other real estate owned to assets | 0.1951% | 6,880 |
Noncurrent loans to loans | 0.1474% | 6,881 |
Net loans and leases to total assets | 63.0123% | 4,321 |
Net loans and leases to deposits | 77.8818% | 3,849 |
Net loans and leases to core deposits | 82.2149% | 4,218 |
Total domestic deposits to total assets | 80.9076% | 5,410 |
Equity capital to assets | 11.9157% | 2,213 |
Core capital (leverage) ratio | 11.6779% | 1,829 |
Tier 1 risk-based capital ratio | 16.1943% | 2,674 |
Total risk-based capital ratio | 17.4491% | 2,623 |
Memoranda: | ||
Average total assets | $99,862,250 | 5,053 |
Average earning assets | $93,086,000 | 4,974 |
Average equity | $11,957,500 | 4,688 |
Average total loans | $65,520,750 | 4,923 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3040% | 3,456 |
Cost of funding earning assets | 1.6514% | 2,379 |
Net interest margin | 3.6525% | 4,569 |
Noninterest income to average assets | 0.2819% | 5,888 |
Noninterest expense to average assets | 1.9090% | 7,250 |
Loan and lease loss provision to assets | 1.2888% | 1,072 |
Net operating income to assets | 0.4875% | 4,387 |
Return on assets (ROA) | 0.5075% | 4,438 |
Pretax return on assets | 0.5115% | 4,873 |
Return on Equity (ROE) | 4.2310% | 4,671 |
Retained earnings to average equity (ytd only) | -2.9886% | 6,298 |
Net charge-offs to loans | 1.5414% | 1,238 |
Credit loss provision to net charge-offs | 126.4822% | 3,188 |
Earnings coverage of net charge-offs (x) | 1.7470% | 4,207 |
Efficiency ratio | 51.7467% | 7,095 |
Assets per employee ($millions) | 6.1249% | 1,142 |
Cash dividends to net income (ytd only)* | 170.6349% | 144 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5982% | 3,450 |
Loan loss allowance to noncurrent loans | 134.8168% | 2,067 |
Noncurrent assets plus other real estate owned to assets | 0.8837% | 5,354 |
Noncurrent loans to loans | 1.1855% | 4,978 |
Net loans and leases to total assets | 64.7125% | 4,104 |
Net loans and leases to deposits | 79.0440% | 3,790 |
Net loans and leases to core deposits | 83.5699% | 4,199 |
Total domestic deposits to total assets | 81.8690% | 5,042 |
Equity capital to assets | 12.3370% | 1,903 |
Core capital (leverage) ratio | 11.8422% | 1,734 |
Tier 1 risk-based capital ratio | 16.5112% | 2,464 |
Total risk-based capital ratio | 17.7642% | 2,416 |
Memoranda: | ||
Average total assets | $99,317,670 | 5,102 |
Average earning assets | $92,647,670 | 5,028 |
Average equity | $11,912,000 | 4,705 |
Average total loans | $65,656,670 | 4,953 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2268% | 3,889 |
Cost of funding earning assets | 1.6752% | 2,512 |
Net interest margin | 3.5517% | 4,943 |
Noninterest income to average assets | 0.2401% | 6,232 |
Noninterest expense to average assets | 1.8684% | 7,383 |
Loan and lease loss provision to assets | 2.2605% | 473 |
Net operating income to assets | -0.5801% | 6,883 |
Return on assets (ROA) | -0.5801% | 6,915 |
Pretax return on assets | -0.5721% | 6,831 |
Return on Equity (ROE) | -4.9057% | 6,877 |
Retained earnings to average equity (ytd only) | -10.4880% | 6,991 |
Net charge-offs to loans | 3.0365% | 507 |
Credit loss provision to net charge-offs | 112.3260% | 3,087 |
Earnings coverage of net charge-offs (x) | 0.8390% | 4,298 |
Efficiency ratio | 52.5309% | 7,097 |
Assets per employee ($millions) | 6.1554% | 1,168 |
Cash dividends to net income (ytd only)* | -113.7931% | 7,894 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4832% | 3,992 |
Loan loss allowance to noncurrent loans | 212.8889% | 1,342 |
Noncurrent assets plus other real estate owned to assets | 0.5605% | 6,105 |
Noncurrent loans to loans | 0.6967% | 5,939 |
Net loans and leases to total assets | 64.6085% | 4,191 |
Net loans and leases to deposits | 78.8752% | 3,867 |
Net loans and leases to core deposits | 85.2174% | 4,006 |
Total domestic deposits to total assets | 81.9123% | 5,110 |
Equity capital to assets | 12.1021% | 1,986 |
Core capital (leverage) ratio | 11.6855% | 1,807 |
Tier 1 risk-based capital ratio | 16.4220% | 2,482 |
Total risk-based capital ratio | 17.6739% | 2,436 |
Memoranda: | ||
Average total assets | $99,977,500 | 5,150 |
Average earning assets | $93,364,500 | 5,069 |
Average equity | $11,823,000 | 4,757 |
Average total loans | $66,261,500 | 4,995 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.5158% | 4,062 |
Cost of funding earning assets | 1.9334% | 3,280 |
Net interest margin | 3.5824% | 4,611 |
Noninterest income to average assets | 0.2729% | 6,161 |
Noninterest expense to average assets | 2.3215% | 6,689 |
Loan and lease loss provision to assets | 0.7682% | 2,804 |
Net operating income to assets | 0.5259% | 3,625 |
Return on assets (ROA) | 0.5300% | 3,701 |
Pretax return on assets | 0.5457% | 4,063 |
Return on Equity (ROE) | 4.1877% | 4,007 |
Retained earnings to average equity (ytd only) | -3.4248% | 5,775 |
Net charge-offs to loans | 0.0113% | 7,072 |
Credit loss provision to net charge-offs | 10,457.1429% | 33 |
Earnings coverage of net charge-offs (x) | 178.2857% | 154 |
Efficiency ratio | 63.9306% | 5,790 |
Assets per employee ($millions) | 6.3418% | 1,054 |
Cash dividends to net income (ytd only)* | 181.7822% | 221 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0652% | 1,877 |
Loan loss allowance to noncurrent loans | 974.3056% | 364 |
Noncurrent assets plus other real estate owned to assets | 0.1419% | 7,122 |
Noncurrent loans to loans | 0.2120% | 6,896 |
Net loans and leases to total assets | 65.5685% | 4,262 |
Net loans and leases to deposits | 82.0368% | 3,607 |
Net loans and leases to core deposits | 106.8033% | 3,240 |
Total domestic deposits to total assets | 79.9257% | 5,690 |
Equity capital to assets | 11.5573% | 2,276 |
Core capital (leverage) ratio | 11.5991% | 1,868 |
Tier 1 risk-based capital ratio | 15.4010% | 2,757 |
Total risk-based capital ratio | 16.6598% | 2,710 |
Memoranda: | ||
Average total assets | $95,282,800 | 5,233 |
Average earning assets | $89,325,200 | 5,147 |
Average equity | $12,059,000 | 4,734 |
Average total loans | $61,955,600 | 5,171 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.5319% | 4,264 |
Cost of funding earning assets | 1.9840% | 3,448 |
Net interest margin | 3.5479% | 4,677 |
Noninterest income to average assets | 0.2688% | 6,307 |
Noninterest expense to average assets | 1.9572% | 7,458 |
Loan and lease loss provision to assets | 0.1422% | 5,934 |
Net operating income to assets | 1.4723% | 870 |
Return on assets (ROA) | 1.4779% | 919 |
Pretax return on assets | 1.5021% | 1,412 |
Return on Equity (ROE) | 11.4092% | 1,511 |
Retained earnings to average equity (ytd only) | 1.3287% | 4,580 |
Net charge-offs to loans | 0.0154% | 6,703 |
Credit loss provision to net charge-offs | 1,428.5714% | 270 |
Earnings coverage of net charge-offs (x) | 164.6259% | 229 |
Efficiency ratio | 54.4304% | 7,190 |
Assets per employee ($millions) | 6.1178% | 1,157 |
Cash dividends to net income (ytd only)* | 88.3541% | 771 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2531% | 4,801 |
Loan loss allowance to noncurrent loans | 456.2130% | 691 |
Noncurrent assets plus other real estate owned to assets | 0.1727% | 7,100 |
Noncurrent loans to loans | 0.2747% | 6,823 |
Net loans and leases to total assets | 62.0694% | 5,231 |
Net loans and leases to deposits | 76.5276% | 4,957 |
Net loans and leases to core deposits | 100.8783% | 4,275 |
Total domestic deposits to total assets | 81.1072% | 5,037 |
Equity capital to assets | 12.5291% | 1,934 |
Core capital (leverage) ratio | 12.2603% | 1,676 |
Tier 1 risk-based capital ratio | 17.4266% | 2,136 |
Total risk-based capital ratio | 18.5639% | 2,126 |
Memoranda: | ||
Average total assets | $93,736,500 | 5,306 |
Average earning assets | $87,899,750 | 5,235 |
Average equity | $12,142,000 | 4,759 |
Average total loans | $60,461,000 | 5,264 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.5766% | 4,181 |
Cost of funding earning assets | 2.0035% | 3,763 |
Net interest margin | 3.5731% | 4,479 |
Noninterest income to average assets | 0.2729% | 6,321 |
Noninterest expense to average assets | 1.9728% | 7,507 |
Loan and lease loss provision to assets | 0.1191% | 5,938 |
Net operating income to assets | 1.5053% | 830 |
Return on assets (ROA) | 1.5137% | 866 |
Pretax return on assets | 1.5419% | 1,345 |
Return on Equity (ROE) | 11.5524% | 1,545 |
Retained earnings to average equity (ytd only) | 0.4793% | 5,017 |
Net charge-offs to loans | -0.0033% | 7,499 |
Credit loss provision to net charge-offs | -5,500.0000% | 7,246 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 54.4205% | 7,286 |
Assets per employee ($millions) | 5.9427% | 1,235 |
Cash dividends to net income (ytd only)* | 95.8512% | 782 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2417% | 4,663 |
Loan loss allowance to noncurrent loans | 329.1480% | 960 |
Noncurrent assets plus other real estate owned to assets | 0.2345% | 6,913 |
Noncurrent loans to loans | 0.3772% | 6,570 |
Net loans and leases to total assets | 61.3979% | 5,457 |
Net loans and leases to deposits | 75.8356% | 5,195 |
Net loans and leases to core deposits | 97.8774% | 4,713 |
Total domestic deposits to total assets | 80.9619% | 5,099 |
Equity capital to assets | 12.6952% | 1,836 |
Core capital (leverage) ratio | 12.5804% | 1,584 |
Tier 1 risk-based capital ratio | 18.0362% | 2,013 |
Total risk-based capital ratio | 19.1657% | 1,979 |
Memoranda: | ||
Average total assets | $92,354,000 | 5,391 |
Average earning assets | $86,647,670 | 5,313 |
Average equity | $12,101,330 | 4,785 |
Average total loans | $60,105,670 | 5,325 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.6302% | 4,174 |
Cost of funding earning assets | 2.0158% | 4,056 |
Net interest margin | 3.6144% | 4,260 |
Noninterest income to average assets | 0.2154% | 6,756 |
Noninterest expense to average assets | 1.9783% | 7,403 |
Loan and lease loss provision to assets | 0.0440% | 6,420 |
Net operating income to assets | 1.5392% | 871 |
Return on assets (ROA) | 1.5562% | 923 |
Pretax return on assets | 1.6002% | 1,404 |
Return on Equity (ROE) | 11.6865% | 1,762 |
Retained earnings to average equity (ytd only) | -3.4003% | 6,348 |
Net charge-offs to loans | -0.0066% | 7,214 |
Credit loss provision to net charge-offs | -1,000.0000% | 6,521 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 54.8780% | 7,117 |
Assets per employee ($millions) | 5.7770% | 1,338 |
Cash dividends to net income (ytd only)* | 129.0960% | 539 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1332% | 5,236 |
Loan loss allowance to noncurrent loans | 662.5000% | 549 |
Noncurrent assets plus other real estate owned to assets | 0.1125% | 7,254 |
Noncurrent loans to loans | 0.1710% | 7,037 |
Net loans and leases to total assets | 65.0348% | 4,804 |
Net loans and leases to deposits | 81.7697% | 4,322 |
Net loans and leases to core deposits | 105.2085% | 4,004 |
Total domestic deposits to total assets | 79.5341% | 5,531 |
Equity capital to assets | 13.0204% | 1,734 |
Core capital (leverage) ratio | 12.7746% | 1,570 |
Tier 1 risk-based capital ratio | 17.5849% | 2,160 |
Total risk-based capital ratio | 18.6302% | 2,165 |
Memoranda: | ||
Average total assets | $90,989,500 | 5,453 |
Average earning assets | $85,326,000 | 5,384 |
Average equity | $12,116,500 | 4,805 |
Average total loans | $60,602,000 | 5,340 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.9814% | 5,637 |
Cost of funding earning assets | 2.5036% | 4,187 |
Net interest margin | 3.4778% | 5,372 |
Noninterest income to average assets | 0.2615% | 6,583 |
Noninterest expense to average assets | 2.0028% | 7,437 |
Loan and lease loss provision to assets | 0.1524% | 5,410 |
Net operating income to assets | 1.3918% | 1,248 |
Return on assets (ROA) | 1.4751% | 1,027 |
Pretax return on assets | 1.4587% | 1,794 |
Return on Equity (ROE) | 11.0123% | 1,900 |
Retained earnings to average equity (ytd only) | 8.0360% | 842 |
Net charge-offs to loans | 0.0184% | 6,610 |
Credit loss provision to net charge-offs | 1,300.0000% | 346 |
Earnings coverage of net charge-offs (x) | 130.3000% | 342 |
Efficiency ratio | 56.7253% | 6,904 |
Assets per employee ($millions) | 5.5967% | 1,388 |
Cash dividends to net income (ytd only)* | 27.0270% | 4,217 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1225% | 5,113 |
Loan loss allowance to noncurrent loans | 847.5000% | 554 |
Noncurrent assets plus other real estate owned to assets | 0.0893% | 7,225 |
Noncurrent loans to loans | 0.1324% | 7,022 |
Net loans and leases to total assets | 66.6957% | 4,709 |
Net loans and leases to deposits | 84.3393% | 4,376 |
Net loans and leases to core deposits | 104.8949% | 4,313 |
Total domestic deposits to total assets | 79.0803% | 5,350 |
Equity capital to assets | 13.6219% | 1,562 |
Core capital (leverage) ratio | 13.4741% | 1,395 |
Tier 1 risk-based capital ratio | 18.2344% | 1,982 |
Total risk-based capital ratio | 19.2917% | 1,980 |
Memoranda: | ||
Average total assets | $85,282,600 | 5,505 |
Average earning assets | $80,164,600 | 5,429 |
Average equity | $11,423,600 | 4,994 |
Average total loans | $54,293,600 | 5,513 |