Home > Heritage Bank > Performance and Condition Ratios
Heritage Bank, Performance and Condition Ratios
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 | 3.1129% | 5,693 |
Cost of funding earning assets | 1.5835% | 14 |
Net interest margin | 1.5294% | 6,202 |
Noninterest income to average assets | 0.4127% | 3,993 |
Noninterest expense to average assets | 0.6442% | 6,244 |
Loan and lease loss provision to assets | -0.7199% | 6,243 |
Net operating income to assets | 1.7837% | 539 |
Return on assets (ROA) | 3.1225% | 82 |
Pretax return on assets | 3.1225% | 109 |
Return on Equity (ROE) | 12.6569% | 1,209 |
Retained earnings to average equity (ytd only) | 12.6569% | 307 |
Net charge-offs to loans | -6.7215% | 6,228 |
Credit loss provision to net charge-offs | 490.6250% | 662 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 37.7181% | 6,164 |
Assets per employee ($millions) | 2.4320% | 5,987 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
Noncurrent loans to loans | NA | NA |
Net loans and leases to total assets | 0.0000% | 6,236 |
Net loans and leases to deposits | NA | NA |
Net loans and leases to core deposits | NA | NA |
Total domestic deposits to total assets | 0.0000% | 6,278 |
Equity capital to assets | 98.7596% | 1 |
Core capital (leverage) ratio | 32.4849% | 59 |
Tier 1 risk-based capital ratio | 345.4082% | 15 |
Total risk-based capital ratio | 345.4082% | 15 |
Memoranda: | ||
Average total assets | $58,156,500 | 5,428 |
Average earning assets | $49,256,000 | 5,523 |
Average equity | $14,347,500 | 3,973 |
Average total loans | $1,269,500 | 6,230 |
2015-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.8907% | 5,954 |
Cost of funding earning assets | 1.3116% | 35 |
Net interest margin | 1.5791% | 6,271 |
Noninterest income to average assets | 0.4898% | 3,447 |
Noninterest expense to average assets | 1.1118% | 6,270 |
Loan and lease loss provision to assets | -0.3137% | 6,233 |
Net operating income to assets | 1.0237% | 2,268 |
Return on assets (ROA) | 0.7513% | 3,736 |
Pretax return on assets | 0.7513% | 4,490 |
Return on Equity (ROE) | 3.8112% | 5,094 |
Retained earnings to average equity (ytd only) | 3.8112% | 3,579 |
Net charge-offs to loans | -7.5620% | 6,305 |
Credit loss provision to net charge-offs | 178.1250% | 1,353 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 61.0272% | 4,827 |
Assets per employee ($millions) | 9.3303% | 331 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
Condition Ratios (%) | ||
Loss allowance to loans | 16.5289% | 2 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
Noncurrent loans to loans | 0.0000% | 5,787 |
Net loans and leases to total assets | 1.8042% | 6,305 |
Net loans and leases to deposits | 42.4192% | 5,821 |
Net loans and leases to core deposits | 25,250.0000% | 6 |
Total domestic deposits to total assets | 4.2532% | 6,331 |
Equity capital to assets | 25.2671% | 91 |
Core capital (leverage) ratio | 19.9417% | 209 |
Tier 1 risk-based capital ratio | 98.6919% | 46 |
Total risk-based capital ratio | 99.9474% | 45 |
Memoranda: | ||
Average total assets | $72,678,000 | 5,139 |
Average earning assets | $61,301,000 | 5,269 |
Average equity | $14,326,330 | 3,994 |
Average total loans | $1,692,670 | 6,307 |
2015-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.6318% | 6,168 |
Cost of funding earning assets | 1.1704% | 68 |
Net interest margin | 1.4614% | 6,352 |
Noninterest income to average assets | 0.8195% | 1,632 |
Noninterest expense to average assets | 0.9084% | 6,372 |
Loan and lease loss provision to assets | 0.0000% | 3,703 |
Net operating income to assets | 1.0762% | 1,944 |
Return on assets (ROA) | 0.2765% | 5,585 |
Pretax return on assets | 0.2765% | 5,696 |
Return on Equity (ROE) | 1.5537% | 5,791 |
Retained earnings to average equity (ytd only) | 1.5537% | 4,854 |
Net charge-offs to loans | 0.0000% | 3,288 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 45.7711% | 6,113 |
Assets per employee ($millions) | 12.7880% | 122 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
Condition Ratios (%) | ||
Loss allowance to loans | 14.6370% | 4 |
Loan loss allowance to noncurrent loans | 67.2043% | 4,517 |
Noncurrent assets plus other real estate owned to assets | 0.4848% | 4,087 |
Noncurrent loans to loans | 21.7799% | 9 |
Net loans and leases to total assets | 1.9002% | 6,379 |
Net loans and leases to deposits | 3.8768% | 6,381 |
Net loans and leases to core deposits | 4.3873% | 6,368 |
Total domestic deposits to total assets | 49.0147% | 6,362 |
Equity capital to assets | 19.1260% | 260 |
Core capital (leverage) ratio | 16.5511% | 412 |
Tier 1 risk-based capital ratio | 71.7293% | 77 |
Total risk-based capital ratio | 72.9793% | 78 |
Memoranda: | ||
Average total assets | $81,026,000 | 5,006 |
Average earning assets | $64,595,500 | 5,238 |
Average equity | $14,417,000 | 4,009 |
Average total loans | $1,934,000 | 6,377 |
2014-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.9027% | 6,132 |
Cost of funding earning assets | 1.2088% | 79 |
Net interest margin | 1.6939% | 6,413 |
Noninterest income to average assets | 0.1348% | 6,017 |
Noninterest expense to average assets | 1.1377% | 6,423 |
Loan and lease loss provision to assets | -0.0594% | 6,064 |
Net operating income to assets | 0.3757% | 5,303 |
Return on assets (ROA) | 0.5540% | 4,672 |
Pretax return on assets | 0.5540% | 5,093 |
Return on Equity (ROE) | 4.1406% | 5,056 |
Retained earnings to average equity (ytd only) | 4.1406% | 3,252 |
Net charge-offs to loans | -0.3416% | 6,346 |
Credit loss provision to net charge-offs | 933.3333% | 287 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 78.2482% | 2,174 |
Assets per employee ($millions) | 12.1891% | 135 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
Condition Ratios (%) | ||
Loss allowance to loans | 11.5741% | 5 |
Loan loss allowance to noncurrent loans | 66.3130% | 4,625 |
Noncurrent assets plus other real estate owned to assets | 0.4418% | 4,345 |
Noncurrent loans to loans | 17.4537% | 14 |
Net loans and leases to total assets | 2.2385% | 6,468 |
Net loans and leases to deposits | 5.9175% | 6,470 |
Net loans and leases to core deposits | 7.7303% | 6,455 |
Total domestic deposits to total assets | 37.8287% | 6,463 |
Equity capital to assets | 16.5944% | 467 |
Core capital (leverage) ratio | 15.0633% | 599 |
Tier 1 risk-based capital ratio | 62.6866% | 84 |
Total risk-based capital ratio | 63.9060% | 84 |
Memoranda: | ||
Average total assets | $94,221,800 | 4,751 |
Average earning assets | $73,378,800 | 5,057 |
Average equity | $12,606,800 | 4,260 |
Average total loans | $1,756,600 | 6,468 |
2014-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.9433% | 6,169 |
Cost of funding earning assets | 1.2166% | 80 |
Net interest margin | 1.7267% | 6,490 |
Noninterest income to average assets | 0.1424% | 6,065 |
Noninterest expense to average assets | 1.1170% | 6,504 |
Loan and lease loss provision to assets | -0.0429% | 6,164 |
Net operating income to assets | 0.4064% | 5,225 |
Return on assets (ROA) | 0.6387% | 4,363 |
Pretax return on assets | 0.6387% | 4,907 |
Return on Equity (ROE) | 5.0413% | 4,697 |
Retained earnings to average equity (ytd only) | 5.0413% | 3,053 |
Net charge-offs to loans | -0.4832% | 6,455 |
Credit loss provision to net charge-offs | 516.6667% | 551 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 75.4435% | 2,584 |
Assets per employee ($millions) | 12.4567% | 126 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
Condition Ratios (%) | ||
Loss allowance to loans | 16.5264% | 1 |
Loan loss allowance to noncurrent loans | 639.5349% | 814 |
Noncurrent assets plus other real estate owned to assets | 0.0493% | 5,958 |
Noncurrent loans to loans | 2.5841% | 1,113 |
Net loans and leases to total assets | 1.5929% | 6,547 |
Net loans and leases to deposits | 3.5213% | 6,550 |
Net loans and leases to core deposits | 4.8505% | 6,537 |
Total domestic deposits to total assets | 45.2378% | 6,534 |
Equity capital to assets | 15.3377% | 667 |
Core capital (leverage) ratio | 14.6698% | 679 |
Tier 1 risk-based capital ratio | 60.3178% | 90 |
Total risk-based capital ratio | 61.5675% | 90 |
Memoranda: | ||
Average total assets | $96,446,250 | 4,734 |
Average earning assets | $74,744,000 | 5,078 |
Average equity | $12,218,750 | 4,340 |
Average total loans | $1,655,750 | 6,548 |
2014-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.9924% | 6,188 |
Cost of funding earning assets | 0.8564% | 542 |
Net interest margin | 2.1359% | 6,481 |
Noninterest income to average assets | 0.1387% | 6,129 |
Noninterest expense to average assets | 1.0610% | 6,583 |
Loan and lease loss provision to assets | -0.0623% | 6,320 |
Net operating income to assets | 0.7937% | 3,366 |
Return on assets (ROA) | 0.7937% | 3,463 |
Pretax return on assets | 0.7937% | 4,299 |
Return on Equity (ROE) | 6.6759% | 3,790 |
Retained earnings to average equity (ytd only) | 6.6759% | 1,939 |
Net charge-offs to loans | -0.7260% | 6,547 |
Credit loss provision to net charge-offs | 516.6667% | 567 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 59.1928% | 5,404 |
Assets per employee ($millions) | 15.2944% | 76 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
Condition Ratios (%) | ||
Loss allowance to loans | 18.6694% | 1 |
Loan loss allowance to noncurrent loans | 611.1111% | 772 |
Noncurrent assets plus other real estate owned to assets | 0.0420% | 6,074 |
Noncurrent loans to loans | 3.0550% | 936 |
Net loans and leases to total assets | 1.1190% | 6,616 |
Net loans and leases to deposits | 2.4020% | 6,618 |
Net loans and leases to core deposits | 3.6558% | 6,605 |
Total domestic deposits to total assets | 46.5865% | 6,600 |
Equity capital to assets | 12.3247% | 1,760 |
Core capital (leverage) ratio | 11.8862% | 1,725 |
Tier 1 risk-based capital ratio | 53.2338% | 116 |
Total risk-based capital ratio | 54.3842% | 116 |
Memoranda: | ||
Average total assets | $99,529,330 | 4,695 |
Average earning assets | $77,062,330 | 5,044 |
Average equity | $11,833,670 | 4,429 |
Average total loans | $1,653,000 | 6,614 |
2014-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.0596% | 6,172 |
Cost of funding earning assets | 0.9113% | 426 |
Net interest margin | 2.1484% | 6,548 |
Noninterest income to average assets | 0.1545% | 6,047 |
Noninterest expense to average assets | 1.1278% | 6,653 |
Loan and lease loss provision to assets | -0.1044% | 6,498 |
Net operating income to assets | 0.7560% | 3,379 |
Return on assets (ROA) | 0.7560% | 3,467 |
Pretax return on assets | 0.7560% | 4,287 |
Return on Equity (ROE) | 6.4915% | 3,756 |
Retained earnings to average equity (ytd only) | 6.4915% | 2,287 |
Net charge-offs to loans | 0.0000% | 3,660 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 63.3803% | 4,952 |
Assets per employee ($millions) | 14.6194% | 80 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
Condition Ratios (%) | ||
Loss allowance to loans | 16.3011% | 1 |
Loan loss allowance to noncurrent loans | 585.1064% | 819 |
Noncurrent assets plus other real estate owned to assets | 0.0459% | 6,147 |
Noncurrent loans to loans | 2.7860% | 1,201 |
Net loans and leases to total assets | 1.3798% | 6,686 |
Net loans and leases to deposits | 3.5493% | 6,688 |
Net loans and leases to core deposits | 8.1454% | 6,673 |
Total domestic deposits to total assets | 38.8749% | 6,678 |
Equity capital to assets | 11.5903% | 2,177 |
Core capital (leverage) ratio | 12.2249% | 1,520 |
Tier 1 risk-based capital ratio | 49.4818% | 138 |
Total risk-based capital ratio | 50.5696% | 139 |
Memoranda: | ||
Average total assets | $95,763,500 | 4,824 |
Average earning assets | $72,427,500 | 5,218 |
Average equity | $11,153,000 | 4,576 |
Average total loans | $1,743,000 | 6,683 |
2013-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.7862% | 6,504 |
Cost of funding earning assets | 0.9780% | 504 |
Net interest margin | 1.8083% | 6,685 |
Noninterest income to average assets | 0.2044% | 5,857 |
Noninterest expense to average assets | 1.0648% | 6,740 |
Loan and lease loss provision to assets | 0.0000% | 5,091 |
Net operating income to assets | 0.4582% | 4,916 |
Return on assets (ROA) | 0.4582% | 5,048 |
Pretax return on assets | 0.4582% | 5,330 |
Return on Equity (ROE) | 3.4870% | 5,326 |
Retained earnings to average equity (ytd only) | 3.4870% | 3,745 |
Net charge-offs to loans | 0.0000% | 5,475 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 69.9134% | 3,849 |
Assets per employee ($millions) | 12.7416% | 122 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
Condition Ratios (%) | ||
Loss allowance to loans | 16.6759% | 1 |
Loan loss allowance to noncurrent loans | 612.2449% | 802 |
Noncurrent assets plus other real estate owned to assets | 0.0549% | 6,202 |
Noncurrent loans to loans | 2.7237% | 1,329 |
Net loans and leases to total assets | 1.6807% | 6,766 |
Net loans and leases to deposits | 4.1737% | 6,769 |
Net loans and leases to core deposits | 7.4447% | 6,754 |
Total domestic deposits to total assets | 40.2675% | 6,761 |
Equity capital to assets | 11.7108% | 2,020 |
Core capital (leverage) ratio | 13.8239% | 875 |
Tier 1 risk-based capital ratio | 52.2238% | 118 |
Total risk-based capital ratio | 53.4734% | 116 |
Memoranda: | ||
Average total assets | $91,007,200 | 4,953 |
Average earning assets | $66,361,800 | 5,397 |
Average equity | $11,958,600 | 4,449 |
Average total loans | $2,221,200 | 6,768 |
2013-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.7666% | 6,590 |
Cost of funding earning assets | 0.9775% | 559 |
Net interest margin | 1.7891% | 6,772 |
Noninterest income to average assets | 0.2187% | 5,866 |
Noninterest expense to average assets | 1.2129% | 6,782 |
Loan and lease loss provision to assets | 0.0000% | 4,941 |
Net operating income to assets | 0.3105% | 5,584 |
Return on assets (ROA) | 0.3105% | 5,697 |
Pretax return on assets | 0.3105% | 5,848 |
Return on Equity (ROE) | 2.3019% | 5,851 |
Retained earnings to average equity (ytd only) | 2.3019% | 4,949 |
Net charge-offs to loans | 0.0000% | 5,212 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 79.6172% | 2,159 |
Assets per employee ($millions) | 13.1034% | 113 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
Condition Ratios (%) | ||
Loss allowance to loans | 13.9340% | 2 |
Loan loss allowance to noncurrent loans | 588.2353% | 772 |
Noncurrent assets plus other real estate owned to assets | 0.0556% | 6,284 |
Noncurrent loans to loans | 2.3688% | 1,857 |
Net loans and leases to total assets | 2.0202% | 6,846 |
Net loans and leases to deposits | 4.9851% | 6,848 |
Net loans and leases to core deposits | 8.6387% | 6,834 |
Total domestic deposits to total assets | 40.5248% | 6,838 |
Equity capital to assets | 11.9086% | 1,977 |
Core capital (leverage) ratio | 13.2197% | 1,121 |
Tier 1 risk-based capital ratio | 50.9539% | 130 |
Total risk-based capital ratio | 52.2021% | 130 |
Memoranda: | ||
Average total assets | $91,461,250 | 4,992 |
Average earning assets | $66,698,250 | 5,438 |
Average equity | $12,337,000 | 4,428 |
Average total loans | $2,326,750 | 6,845 |
2013-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.7874% | 6,615 |
Cost of funding earning assets | 0.9772% | 607 |
Net interest margin | 1.8102% | 6,815 |
Noninterest income to average assets | 0.1642% | 6,234 |
Noninterest expense to average assets | 1.2192% | 6,828 |
Loan and lease loss provision to assets | 0.0000% | 4,788 |
Net operating income to assets | 0.2627% | 5,737 |
Return on assets (ROA) | 0.2627% | 5,870 |
Pretax return on assets | 0.2627% | 5,973 |
Return on Equity (ROE) | 1.8738% | 5,994 |
Retained earnings to average equity (ytd only) | 1.8738% | 5,077 |
Net charge-offs to loans | 0.0000% | 4,909 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 82.2747% | 1,846 |
Assets per employee ($millions) | 13.4239% | 103 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
Condition Ratios (%) | ||
Loss allowance to loans | 13.7174% | 2 |
Loan loss allowance to noncurrent loans | 454.5455% | 952 |
Noncurrent assets plus other real estate owned to assets | 0.0702% | 6,290 |
Noncurrent loans to loans | 3.0178% | 1,474 |
Net loans and leases to total assets | 2.0082% | 6,897 |
Net loans and leases to deposits | 5.0455% | 6,899 |
Net loans and leases to core deposits | 9.1500% | 6,885 |
Total domestic deposits to total assets | 39.8012% | 6,887 |
Equity capital to assets | 11.6732% | 2,155 |
Core capital (leverage) ratio | 12.8052% | 1,246 |
Tier 1 risk-based capital ratio | 49.6739% | 129 |
Total risk-based capital ratio | 50.9124% | 129 |
Memoranda: | ||
Average total assets | $91,373,670 | 5,026 |
Average earning assets | $66,513,330 | 5,480 |
Average equity | $12,808,330 | 4,373 |
Average total loans | $2,384,670 | 6,893 |
2013-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.7405% | 6,715 |
Cost of funding earning assets | 1.0138% | 570 |
Net interest margin | 1.7266% | 6,906 |
Noninterest income to average assets | 0.1554% | 6,329 |
Noninterest expense to average assets | 1.2256% | 6,901 |
Loan and lease loss provision to assets | 0.0000% | 4,409 |
Net operating income to assets | 0.1776% | 5,960 |
Return on assets (ROA) | 0.1776% | 6,066 |
Pretax return on assets | 0.1776% | 6,117 |
Return on Equity (ROE) | 1.1655% | 6,182 |
Retained earnings to average equity (ytd only) | 1.1655% | 5,384 |
Net charge-offs to loans | 0.0000% | 4,145 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 87.3418% | 1,389 |
Assets per employee ($millions) | 12.9976% | 118 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
Condition Ratios (%) | ||
Loss allowance to loans | 12.5052% | 6 |
Loan loss allowance to noncurrent loans | 97.7199% | 3,423 |
Noncurrent assets plus other real estate owned to assets | 0.3374% | 5,576 |
Noncurrent loans to loans | 12.7970% | 117 |
Net loans and leases to total assets | 2.3070% | 6,975 |
Net loans and leases to deposits | 5.7165% | 6,976 |
Net loans and leases to core deposits | 9.5444% | 6,957 |
Total domestic deposits to total assets | 40.3570% | 6,964 |
Equity capital to assets | 14.9456% | 767 |
Core capital (leverage) ratio | 13.1372% | 1,061 |
Tier 1 risk-based capital ratio | 53.9594% | 116 |
Total risk-based capital ratio | 55.2099% | 116 |
Memoranda: | ||
Average total assets | $90,077,000 | 5,095 |
Average earning assets | $65,098,500 | 5,573 |
Average equity | $13,728,000 | 4,242 |
Average total loans | $2,483,500 | 6,970 |
2012-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.9537% | 6,792 |
Cost of funding earning assets | 1.1286% | 813 |
Net interest margin | 1.8251% | 6,961 |
Noninterest income to average assets | 0.3121% | 5,223 |
Noninterest expense to average assets | 1.1616% | 6,986 |
Loan and lease loss provision to assets | 0.0000% | 5,905 |
Net operating income to assets | 0.4294% | 4,968 |
Return on assets (ROA) | 0.4294% | 5,213 |
Pretax return on assets | 0.4294% | 5,482 |
Return on Equity (ROE) | 2.7509% | 5,652 |
Retained earnings to average equity (ytd only) | 2.7509% | 4,302 |
Net charge-offs to loans | 0.0000% | 5,985 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 73.0088% | 3,240 |
Assets per employee ($millions) | 12.7387% | 129 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
Condition Ratios (%) | ||
Loss allowance to loans | 11.6822% | 10 |
Loan loss allowance to noncurrent loans | 379.7468% | 1,039 |
Noncurrent assets plus other real estate owned to assets | 0.0886% | 6,373 |
Noncurrent loans to loans | 3.0763% | 1,687 |
Net loans and leases to total assets | 2.5434% | 7,034 |
Net loans and leases to deposits | 5.9115% | 7,035 |
Net loans and leases to core deposits | 10.4806% | 7,016 |
Total domestic deposits to total assets | 43.0252% | 7,026 |
Equity capital to assets | 15.5409% | 628 |
Core capital (leverage) ratio | 13.3584% | 1,000 |
Tier 1 risk-based capital ratio | 49.6623% | 140 |
Total risk-based capital ratio | 50.9131% | 140 |
Memoranda: | ||
Average total assets | $85,228,600 | 5,209 |
Average earning assets | $59,722,200 | 5,753 |
Average equity | $13,304,600 | 4,296 |
Average total loans | $2,907,400 | 7,035 |
2012-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.9399% | 6,921 |
Cost of funding earning assets | 1.1596% | 833 |
Net interest margin | 1.7803% | 7,079 |
Noninterest income to average assets | 0.3529% | 4,994 |
Noninterest expense to average assets | 1.2266% | 7,074 |
Loan and lease loss provision to assets | 0.0000% | 5,790 |
Net operating income to assets | 0.3656% | 5,389 |
Return on assets (ROA) | 0.3656% | 5,586 |
Pretax return on assets | 0.3656% | 5,800 |
Return on Equity (ROE) | 2.3392% | 5,934 |
Retained earnings to average equity (ytd only) | 2.3392% | 5,168 |
Net charge-offs to loans | 0.0000% | 5,771 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 77.0378% | 2,517 |
Assets per employee ($millions) | 11.9753% | 145 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
Condition Ratios (%) | ||
Loss allowance to loans | 9.5420% | 17 |
Loan loss allowance to noncurrent loans | 365.8537% | 1,023 |
Noncurrent assets plus other real estate owned to assets | 0.0978% | 6,487 |
Noncurrent loans to loans | 2.6081% | 2,191 |
Net loans and leases to total assets | 3.3927% | 7,136 |
Net loans and leases to deposits | 7.0160% | 7,135 |
Net loans and leases to core deposits | 11.1055% | 7,119 |
Total domestic deposits to total assets | 48.3567% | 7,116 |
Equity capital to assets | 16.4756% | 532 |
Core capital (leverage) ratio | 14.0478% | 825 |
Tier 1 risk-based capital ratio | 54.0733% | 122 |
Total risk-based capital ratio | 55.3270% | 121 |
Memoranda: | ||
Average total assets | $84,243,000 | 5,292 |
Average earning assets | $58,641,000 | 5,855 |
Average equity | $13,166,250 | 4,364 |
Average total loans | $2,992,250 | 7,131 |
2012-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.9373% | 6,997 |
Cost of funding earning assets | 1.1736% | 919 |
Net interest margin | 1.7638% | 7,157 |
Noninterest income to average assets | 0.4148% | 4,550 |
Noninterest expense to average assets | 1.2064% | 7,141 |
Loan and lease loss provision to assets | 0.0000% | 5,619 |
Net operating income to assets | 0.4337% | 5,104 |
Return on assets (ROA) | 0.4337% | 5,327 |
Pretax return on assets | 0.4337% | 5,621 |
Return on Equity (ROE) | 2.8260% | 5,751 |
Retained earnings to average equity (ytd only) | 2.8260% | 4,742 |
Net charge-offs to loans | 0.0000% | 5,507 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 73.5549% | 3,153 |
Assets per employee ($millions) | 12.1907% | 137 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
Condition Ratios (%) | ||
Loss allowance to loans | 8.9579% | 24 |
Loan loss allowance to noncurrent loans | 329.6703% | 1,086 |
Noncurrent assets plus other real estate owned to assets | 0.1066% | 6,528 |
Noncurrent loans to loans | 2.7172% | 2,211 |
Net loans and leases to total assets | 3.5730% | 7,199 |
Net loans and leases to deposits | 8.1657% | 7,200 |
Net loans and leases to core deposits | 12.4165% | 7,179 |
Total domestic deposits to total assets | 43.7558% | 7,192 |
Equity capital to assets | 15.5927% | 665 |
Core capital (leverage) ratio | 13.7433% | 884 |
Tier 1 risk-based capital ratio | 53.9892% | 116 |
Total risk-based capital ratio | 55.2415% | 114 |
Memoranda: | ||
Average total assets | $84,381,670 | 5,318 |
Average earning assets | $58,624,670 | 5,886 |
Average equity | $12,951,330 | 4,401 |
Average total loans | $2,941,670 | 7,194 |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.9550% | 7,056 |
Cost of funding earning assets | 1.1875% | 1,043 |
Net interest margin | 1.7675% | 7,209 |
Noninterest income to average assets | 0.6960% | 2,677 |
Noninterest expense to average assets | 1.2729% | 7,185 |
Loan and lease loss provision to assets | 0.0000% | 5,254 |
Net operating income to assets | 0.6436% | 4,150 |
Return on assets (ROA) | 0.6436% | 4,357 |
Pretax return on assets | 0.6436% | 4,957 |
Return on Equity (ROE) | 4.2273% | 5,179 |
Retained earnings to average equity (ytd only) | 4.2273% | 4,054 |
Net charge-offs to loans | 0.0000% | 4,730 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 66.4179% | 4,480 |
Assets per employee ($millions) | 12.5023% | 135 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
Condition Ratios (%) | ||
Loss allowance to loans | 11.0660% | 12 |
Loan loss allowance to noncurrent loans | 315.7895% | 1,053 |
Noncurrent assets plus other real estate owned to assets | 0.1086% | 6,606 |
Noncurrent loans to loans | 3.5042% | 1,781 |
Net loans and leases to total assets | 2.7549% | 7,262 |
Net loans and leases to deposits | 6.1322% | 7,263 |
Net loans and leases to core deposits | 8.6187% | 7,248 |
Total domestic deposits to total assets | 44.9255% | 7,254 |
Equity capital to assets | 14.5905% | 837 |
Core capital (leverage) ratio | 13.3563% | 1,001 |
Tier 1 risk-based capital ratio | 57.0341% | 104 |
Total risk-based capital ratio | 58.2687% | 102 |
Memoranda: | ||
Average total assets | $83,905,000 | 5,365 |
Average earning assets | $57,936,500 | 5,941 |
Average equity | $12,774,000 | 4,448 |
Average total loans | $2,738,000 | 7,258 |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.0574% | 7,165 |
Cost of funding earning assets | 1.1853% | 2,128 |
Net interest margin | 1.8721% | 7,247 |
Noninterest income to average assets | 0.8811% | 1,741 |
Noninterest expense to average assets | 1.7611% | 7,000 |
Loan and lease loss provision to assets | 0.1989% | 4,200 |
Net operating income to assets | 0.2659% | 5,382 |
Return on assets (ROA) | 1.3063% | 1,337 |
Pretax return on assets | 1.3063% | 2,101 |
Return on Equity (ROE) | 10.4163% | 1,913 |
Retained earnings to average equity (ytd only) | 10.4163% | 487 |
Net charge-offs to loans | -0.7162% | 7,295 |
Credit loss provision to net charge-offs | -822.7273% | 6,855 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 79.1214% | 2,423 |
Assets per employee ($millions) | 11.4706% | 165 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
Condition Ratios (%) | ||
Loss allowance to loans | 10.8499% | 12 |
Loan loss allowance to noncurrent loans | 312.5000% | 1,067 |
Noncurrent assets plus other real estate owned to assets | 0.1196% | 6,659 |
Noncurrent loans to loans | 3.4720% | 1,845 |
Net loans and leases to total assets | 3.0700% | 7,310 |
Net loans and leases to deposits | 6.0879% | 7,313 |
Net loans and leases to core deposits | 8.5415% | 7,296 |
Total domestic deposits to total assets | 50.4272% | 7,284 |
Equity capital to assets | 15.9153% | 591 |
Core capital (leverage) ratio | 14.5985% | 691 |
Tier 1 risk-based capital ratio | 69.9667% | 70 |
Total risk-based capital ratio | 71.2216% | 69 |
Memoranda: | ||
Average total assets | $91,021,000 | 5,156 |
Average earning assets | $65,381,800 | 5,689 |
Average equity | $11,414,800 | 4,679 |
Average total loans | $3,071,800 | 7,300 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.1625% | 7,220 |
Cost of funding earning assets | 1.1486% | 2,640 |
Net interest margin | 2.0139% | 7,297 |
Noninterest income to average assets | 0.6602% | 2,823 |
Noninterest expense to average assets | 1.8313% | 6,949 |
Loan and lease loss provision to assets | 0.1864% | 4,163 |
Net operating income to assets | 0.1096% | 5,940 |
Return on assets (ROA) | 1.4571% | 1,107 |
Pretax return on assets | 1.4571% | 1,766 |
Return on Equity (ROE) | 12.3292% | 1,455 |
Retained earnings to average equity (ytd only) | 12.3292% | 462 |
Net charge-offs to loans | -0.9316% | 7,380 |
Credit loss provision to net charge-offs | -595.4545% | 6,690 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 86.0870% | 1,521 |
Assets per employee ($millions) | 11.8766% | 154 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
Condition Ratios (%) | ||
Loss allowance to loans | 8.2672% | 28 |
Loan loss allowance to noncurrent loans | 250.0000% | 1,245 |
Noncurrent assets plus other real estate owned to assets | 0.1203% | 6,748 |
Noncurrent loans to loans | 3.3069% | 2,087 |
Net loans and leases to total assets | 3.3367% | 7,386 |
Net loans and leases to deposits | 6.6718% | 7,387 |
Net loans and leases to core deposits | 10.1694% | 7,366 |
Total domestic deposits to total assets | 50.0120% | 7,360 |
Equity capital to assets | 15.4229% | 740 |
Core capital (leverage) ratio | 13.9248% | 916 |
Tier 1 risk-based capital ratio | 65.3098% | 93 |
Total risk-based capital ratio | 66.5614% | 92 |
Memoranda: | ||
Average total assets | $93,702,750 | 5,114 |
Average earning assets | $68,256,000 | 5,645 |
Average equity | $11,073,750 | 4,790 |
Average total loans | $3,148,500 | 7,374 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.1851% | 7,288 |
Cost of funding earning assets | 1.0506% | 3,596 |
Net interest margin | 2.1346% | 7,333 |
Noninterest income to average assets | 0.6315% | 2,941 |
Noninterest expense to average assets | 1.6848% | 7,190 |
Loan and lease loss provision to assets | 0.0000% | 6,217 |
Net operating income to assets | 0.5225% | 4,403 |
Return on assets (ROA) | 0.5739% | 4,317 |
Pretax return on assets | 0.5739% | 4,834 |
Return on Equity (ROE) | 5.3188% | 4,297 |
Retained earnings to average equity (ytd only) | 5.3188% | 2,795 |
Net charge-offs to loans | 0.1254% | 4,475 |
Credit loss provision to net charge-offs | 0.0000% | 5,336 |
Earnings coverage of net charge-offs (x) | 127.0000% | 276 |
Efficiency ratio | 76.3281% | 2,963 |
Assets per employee ($millions) | 14.1903% | 102 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.2635% | 719 |
Loan loss allowance to noncurrent loans | 93.1373% | 3,084 |
Noncurrent assets plus other real estate owned to assets | 0.1027% | 6,837 |
Noncurrent loans to loans | 3.5040% | 2,016 |
Net loans and leases to total assets | 2.8349% | 7,460 |
Net loans and leases to deposits | 5.6831% | 7,464 |
Net loans and leases to core deposits | 8.0971% | 7,450 |
Total domestic deposits to total assets | 49.8832% | 7,429 |
Equity capital to assets | 11.3196% | 2,665 |
Core capital (leverage) ratio | 10.7699% | 2,453 |
Tier 1 risk-based capital ratio | 45.9405% | 170 |
Total risk-based capital ratio | 46.3509% | 176 |
Memoranda: | ||
Average total assets | $97,225,000 | 5,042 |
Average earning assets | $71,771,000 | 5,562 |
Average equity | $10,491,000 | 4,925 |
Average total loans | $3,190,000 | 7,446 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.1780% | 7,346 |
Cost of funding earning assets | 0.9387% | 4,658 |
Net interest margin | 2.2393% | 7,341 |
Noninterest income to average assets | 0.6239% | 3,015 |
Noninterest expense to average assets | 1.6554% | 7,264 |
Loan and lease loss provision to assets | 0.0000% | 5,840 |
Net operating income to assets | 0.6156% | 3,962 |
Return on assets (ROA) | 0.6156% | 4,027 |
Pretax return on assets | 0.6156% | 4,629 |
Return on Equity (ROE) | 5.8530% | 3,987 |
Retained earnings to average equity (ytd only) | 5.8530% | 2,723 |
Net charge-offs to loans | 0.4806% | 2,268 |
Credit loss provision to net charge-offs | 0.0000% | 4,480 |
Earnings coverage of net charge-offs (x) | 37.0000% | 721 |
Efficiency ratio | 72.8938% | 3,705 |
Assets per employee ($millions) | 13.8694% | 112 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.8909% | 1,019 |
Loan loss allowance to noncurrent loans | 80.8696% | 3,491 |
Noncurrent assets plus other real estate owned to assets | 0.1185% | 6,870 |
Noncurrent loans to loans | 3.5748% | 2,081 |
Net loans and leases to total assets | 3.2178% | 7,520 |
Net loans and leases to deposits | 27.0476% | 7,402 |
Net loans and leases to core deposits | 411.0526% | 38 |
Total domestic deposits to total assets | 11.8967% | 7,545 |
Equity capital to assets | 10.4917% | 3,182 |
Core capital (leverage) ratio | 10.7803% | 2,373 |
Tier 1 risk-based capital ratio | 46.8645% | 158 |
Total risk-based capital ratio | 47.2796% | 163 |
Memoranda: | ||
Average total assets | $96,171,500 | 5,104 |
Average earning assets | $70,736,000 | 5,640 |
Average equity | $10,114,500 | 5,019 |
Average total loans | $3,329,500 | 7,505 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.0474% | 7,490 |
Cost of funding earning assets | 1.2968% | 3,907 |
Net interest margin | 1.7506% | 7,509 |
Noninterest income to average assets | 0.8089% | 2,236 |
Noninterest expense to average assets | 1.8639% | 7,203 |
Loan and lease loss provision to assets | -0.0658% | 7,596 |
Net operating income to assets | 0.1998% | 5,262 |
Return on assets (ROA) | 0.1998% | 5,439 |
Pretax return on assets | 0.1998% | 5,490 |
Return on Equity (ROE) | 1.5015% | 5,558 |
Retained earnings to average equity (ytd only) | 1.5015% | 4,779 |
Net charge-offs to loans | 5.5962% | 121 |
Credit loss provision to net charge-offs | -20.7692% | 6,992 |
Earnings coverage of net charge-offs (x) | 0.4231% | 5,686 |
Efficiency ratio | 93.2927% | 1,101 |
Assets per employee ($millions) | 11.9071% | 160 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.8181% | 1,032 |
Loan loss allowance to noncurrent loans | 48.2587% | 5,097 |
Noncurrent assets plus other real estate owned to assets | 0.2110% | 6,702 |
Noncurrent loans to loans | 5.8396% | 1,087 |
Net loans and leases to total assets | 3.5116% | 7,603 |
Net loans and leases to deposits | 24.6536% | 7,528 |
Net loans and leases to core deposits | 429.9486% | 37 |
Total domestic deposits to total assets | 14.2436% | 7,620 |
Equity capital to assets | 10.5431% | 3,114 |
Core capital (leverage) ratio | 10.8323% | 2,279 |
Tier 1 risk-based capital ratio | 49.3563% | 150 |
Total risk-based capital ratio | 49.8188% | 154 |
Memoranda: | ||
Average total assets | $82,087,600 | 5,530 |
Average earning assets | $55,751,800 | 6,141 |
Average equity | $10,922,400 | 4,881 |
Average total loans | $4,646,000 | 7,564 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.1483% | 7,602 |
Cost of funding earning assets | 1.4478% | 3,292 |
Net interest margin | 1.7006% | 7,639 |
Noninterest income to average assets | 0.7394% | 2,586 |
Noninterest expense to average assets | 1.3875% | 7,598 |
Loan and lease loss provision to assets | 0.2369% | 4,708 |
Net operating income to assets | 0.2420% | 5,384 |
Return on assets (ROA) | 0.2420% | 5,540 |
Pretax return on assets | 0.2420% | 5,636 |
Return on Equity (ROE) | 1.7111% | 5,700 |
Retained earnings to average equity (ytd only) | 1.7111% | 5,105 |
Net charge-offs to loans | 7.1152% | 63 |
Credit loss provision to net charge-offs | 53.0303% | 5,842 |
Earnings coverage of net charge-offs (x) | 1.0720% | 4,983 |
Efficiency ratio | 74.3427% | 3,260 |
Assets per employee ($millions) | 9.2959% | 316 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
Condition Ratios (%) | ||
Loss allowance to loans | 7.0017% | 61 |
Loan loss allowance to noncurrent loans | 77.5676% | 3,472 |
Noncurrent assets plus other real estate owned to assets | 1.7131% | 3,877 |
Noncurrent loans to loans | 9.0266% | 533 |
Net loans and leases to total assets | 5.1259% | 7,703 |
Net loans and leases to deposits | 112.3490% | 212 |
Net loans and leases to core deposits | 1,194.9843% | 27 |
Total domestic deposits to total assets | 4.5625% | 7,740 |
Equity capital to assets | 15.3240% | 816 |
Core capital (leverage) ratio | 14.0914% | 900 |
Tier 1 risk-based capital ratio | 60.4070% | 109 |
Total risk-based capital ratio | 61.6644% | 106 |
Memoranda: | ||
Average total assets | $78,795,250 | 5,695 |
Average earning assets | $52,217,000 | 6,361 |
Average equity | $11,142,250 | 4,890 |
Average total loans | $4,947,000 | 7,657 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.2189% | 7,673 |
Cost of funding earning assets | 1.5071% | 3,216 |
Net interest margin | 1.7118% | 7,711 |
Noninterest income to average assets | 0.7699% | 2,284 |
Noninterest expense to average assets | 1.3903% | 7,673 |
Loan and lease loss provision to assets | 0.1993% | 4,875 |
Net operating income to assets | 0.3264% | 5,084 |
Return on assets (ROA) | 0.3264% | 5,244 |
Pretax return on assets | 0.3264% | 5,427 |
Return on Equity (ROE) | 2.3694% | 5,515 |
Retained earnings to average equity (ytd only) | 2.3694% | 4,651 |
Net charge-offs to loans | 10.0962% | 32 |
Credit loss provision to net charge-offs | 30.3030% | 5,729 |
Earnings coverage of net charge-offs (x) | 0.7992% | 4,972 |
Efficiency ratio | 72.5618% | 3,731 |
Assets per employee ($millions) | 9.6698% | 278 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
Condition Ratios (%) | ||
Loss allowance to loans | 4.8796% | 185 |
Loan loss allowance to noncurrent loans | 59.4241% | 4,376 |
Noncurrent assets plus other real estate owned to assets | 1.6624% | 3,940 |
Noncurrent loans to loans | 8.2115% | 623 |
Net loans and leases to total assets | 5.7202% | 7,769 |
Net loans and leases to deposits | 625.8840% | 12 |
Net loans and leases to core deposits | 625.8840% | 34 |
Total domestic deposits to total assets | 0.9139% | 7,824 |
Equity capital to assets | 14.6190% | 970 |
Core capital (leverage) ratio | 13.5054% | 1,056 |
Tier 1 risk-based capital ratio | 57.2182% | 121 |
Total risk-based capital ratio | 58.4665% | 119 |
Memoranda: | ||
Average total assets | $80,271,330 | 5,692 |
Average earning assets | $53,744,330 | 6,335 |
Average equity | $11,057,670 | 4,911 |
Average total loans | $5,229,670 | 7,716 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3145% | 7,750 |
Cost of funding earning assets | 1.7224% | 2,279 |
Net interest margin | 1.5921% | 7,814 |
Noninterest income to average assets | 0.7195% | 2,471 |
Noninterest expense to average assets | 1.5025% | 7,710 |
Loan and lease loss provision to assets | 0.0000% | 6,552 |
Net operating income to assets | 0.2937% | 5,322 |
Return on assets (ROA) | 0.2937% | 5,452 |
Pretax return on assets | 0.2937% | 5,621 |
Return on Equity (ROE) | 2.1954% | 5,679 |
Retained earnings to average equity (ytd only) | 2.1954% | 4,813 |
Net charge-offs to loans | 5.0014% | 240 |
Credit loss provision to net charge-offs | 0.0000% | 5,126 |
Earnings coverage of net charge-offs (x) | 0.8696% | 4,265 |
Efficiency ratio | 83.6512% | 2,054 |
Assets per employee ($millions) | 8.8571% | 370 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
Condition Ratios (%) | ||
Loss allowance to loans | 6.3086% | 86 |
Loan loss allowance to noncurrent loans | 159.5960% | 1,758 |
Noncurrent assets plus other real estate owned to assets | 1.2808% | 4,612 |
Noncurrent loans to loans | 3.9529% | 1,992 |
Net loans and leases to total assets | 5.8873% | 7,872 |
Net loans and leases to deposits | 747.2930% | 14 |
Net loans and leases to core deposits | 747.2930% | 34 |
Total domestic deposits to total assets | 0.7878% | 7,929 |
Equity capital to assets | 14.0490% | 1,124 |
Core capital (leverage) ratio | 13.0046% | 1,211 |
Tier 1 risk-based capital ratio | 55.0941% | 128 |
Total risk-based capital ratio | 56.3475% | 128 |
Memoranda: | ||
Average total assets | $81,728,000 | 5,716 |
Average earning assets | $55,271,500 | 6,352 |
Average equity | $10,932,000 | 4,998 |
Average total loans | $5,518,500 | 7,811 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7178% | 7,779 |
Cost of funding earning assets | 1.9966% | 2,977 |
Net interest margin | 1.7212% | 7,826 |
Noninterest income to average assets | 0.8489% | 2,182 |
Noninterest expense to average assets | 1.8925% | 7,517 |
Loan and lease loss provision to assets | 0.0146% | 7,349 |
Net operating income to assets | 0.2259% | 4,816 |
Return on assets (ROA) | 2.5623% | 89 |
Pretax return on assets | 2.5623% | 147 |
Return on Equity (ROE) | 8.6932% | 2,125 |
Retained earnings to average equity (ytd only) | 2.4540% | 3,421 |
Net charge-offs to loans | 3.2405% | 627 |
Credit loss provision to net charge-offs | 4.4910% | 6,994 |
Earnings coverage of net charge-offs (x) | 0.7395% | 5,360 |
Efficiency ratio | 88.7266% | 1,819 |
Assets per employee ($millions) | 9.3047% | 323 |
Cash dividends to net income (ytd only)* | 71.7705% | 1,493 |
Condition Ratios (%) | ||
Loss allowance to loans | 6.3869% | 85 |
Loan loss allowance to noncurrent loans | 99.7409% | 2,821 |
Noncurrent assets plus other real estate owned to assets | 1.0855% | 4,921 |
Noncurrent loans to loans | 6.4035% | 950 |
Net loans and leases to total assets | 6.7386% | 7,944 |
Net loans and leases to deposits | 1,699.6988% | 13 |
Net loans and leases to core deposits | 1,699.6988% | 15 |
Total domestic deposits to total assets | 0.3965% | 8,008 |
Equity capital to assets | 12.7355% | 1,622 |
Core capital (leverage) ratio | 12.2304% | 1,562 |
Tier 1 risk-based capital ratio | 51.4943% | 154 |
Total risk-based capital ratio | 52.7535% | 151 |
Memoranda: | ||
Average total assets | $102,718,600 | 5,021 |
Average earning assets | $76,630,800 | 5,575 |
Average equity | $30,276,600 | 2,210 |
Average total loans | $10,307,200 | 7,694 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9047% | 7,833 |
Cost of funding earning assets | 2.0088% | 3,314 |
Net interest margin | 1.8958% | 7,854 |
Noninterest income to average assets | 0.6824% | 3,140 |
Noninterest expense to average assets | 1.9938% | 7,401 |
Loan and lease loss provision to assets | 0.0124% | 7,211 |
Net operating income to assets | 0.1129% | 5,426 |
Return on assets (ROA) | 3.0906% | 65 |
Pretax return on assets | 3.0906% | 101 |
Return on Equity (ROE) | 9.4409% | 2,116 |
Retained earnings to average equity (ytd only) | 2.2816% | 4,051 |
Net charge-offs to loans | 0.7149% | 2,562 |
Credit loss provision to net charge-offs | 16.3934% | 6,593 |
Earnings coverage of net charge-offs (x) | 1.6557% | 4,550 |
Efficiency ratio | 94.0867% | 1,390 |
Assets per employee ($millions) | 8.7682% | 393 |
Cash dividends to net income (ytd only)* | 75.8329% | 1,083 |
Condition Ratios (%) | ||
Loss allowance to loans | 6.6388% | 58 |
Loan loss allowance to noncurrent loans | 60.1476% | 4,357 |
Noncurrent assets plus other real estate owned to assets | 1.4370% | 4,234 |
Noncurrent loans to loans | 11.0376% | 328 |
Net loans and leases to total assets | 11.6190% | 8,010 |
Net loans and leases to deposits | 1,495.7586% | 14 |
Net loans and leases to core deposits | 1,495.7586% | 15 |
Total domestic deposits to total assets | 0.7768% | 8,091 |
Equity capital to assets | 13.1928% | 1,625 |
Core capital (leverage) ratio | 12.6772% | 1,509 |
Tier 1 risk-based capital ratio | 50.1994% | 168 |
Total risk-based capital ratio | 51.4765% | 166 |
Memoranda: | ||
Average total assets | $107,462,750 | 4,923 |
Average earning assets | $81,439,250 | 5,440 |
Average equity | $35,179,500 | 1,931 |
Average total loans | $11,377,000 | 7,712 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9972% | 7,909 |
Cost of funding earning assets | 1.9305% | 4,109 |
Net interest margin | 2.0668% | 7,824 |
Noninterest income to average assets | 0.6514% | 3,338 |
Noninterest expense to average assets | 2.1918% | 7,078 |
Loan and lease loss provision to assets | 0.0000% | 7,158 |
Net operating income to assets | 0.0667% | 5,657 |
Return on assets (ROA) | 4.1700% | 33 |
Pretax return on assets | 4.1700% | 50 |
Return on Equity (ROE) | 11.2304% | 1,636 |
Retained earnings to average equity (ytd only) | 2.5325% | 3,921 |
Net charge-offs to loans | 0.8575% | 1,973 |
Credit loss provision to net charge-offs | 0.0000% | 6,237 |
Earnings coverage of net charge-offs (x) | 0.7647% | 4,967 |
Efficiency ratio | 97.0477% | 1,309 |
Assets per employee ($millions) | 9.3686% | 315 |
Cash dividends to net income (ytd only)* | 77.4498% | 1,134 |
Condition Ratios (%) | ||
Loss allowance to loans | 6.8291% | 56 |
Loan loss allowance to noncurrent loans | 59.6347% | 4,480 |
Noncurrent assets plus other real estate owned to assets | 1.5477% | 3,904 |
Noncurrent loans to loans | 11.4516% | 252 |
Net loans and leases to total assets | 10.5661% | 8,101 |
Net loans and leases to deposits | 1,628.7020% | 13 |
Net loans and leases to core deposits | 1,628.7020% | 16 |
Total domestic deposits to total assets | 0.6487% | 8,191 |
Equity capital to assets | 12.3273% | 2,012 |
Core capital (leverage) ratio | 11.8032% | 1,916 |
Tier 1 risk-based capital ratio | 46.5553% | 208 |
Total risk-based capital ratio | 47.8259% | 208 |
Memoranda: | ||
Average total assets | $116,979,000 | 4,708 |
Average earning assets | $90,963,000 | 5,163 |
Average equity | $43,435,670 | 1,568 |
Average total loans | $11,895,670 | 7,757 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2435% | 7,882 |
Cost of funding earning assets | 1.9897% | 4,183 |
Net interest margin | 2.2538% | 7,756 |
Noninterest income to average assets | 0.5971% | 3,569 |
Noninterest expense to average assets | 2.7275% | 4,889 |
Loan and lease loss provision to assets | 0.0000% | 6,744 |
Net operating income to assets | -0.3121% | 6,693 |
Return on assets (ROA) | 6.4961% | 22 |
Pretax return on assets | 6.4961% | 26 |
Return on Equity (ROE) | 14.4438% | 1,082 |
Retained earnings to average equity (ytd only) | 3.3091% | 4,039 |
Net charge-offs to loans | 0.0000% | 5,728 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 112.9193% | 751 |
Assets per employee ($millions) | 10.3248% | 243 |
Cash dividends to net income (ytd only)* | 77.0901% | 1,126 |
Condition Ratios (%) | ||
Loss allowance to loans | 6.1788% | 59 |
Loan loss allowance to noncurrent loans | 111.9469% | 2,769 |
Noncurrent assets plus other real estate owned to assets | 0.7834% | 5,217 |
Noncurrent loans to loans | 5.5194% | 927 |
Net loans and leases to total assets | 12.4027% | 8,150 |
Net loans and leases to deposits | 2,888.4712% | 11 |
Net loans and leases to core deposits | 2,888.4712% | 13 |
Total domestic deposits to total assets | 0.4294% | 8,244 |
Equity capital to assets | 63.7894% | 47 |
Core capital (leverage) ratio | 64.0082% | 51 |
Tier 1 risk-based capital ratio | 255.1160% | 25 |
Total risk-based capital ratio | 256.3907% | 25 |
Memoranda: | ||
Average total assets | $133,310,000 | 4,341 |
Average earning assets | $107,553,000 | 4,703 |
Average equity | $59,956,500 | 1,146 |
Average total loans | $13,062,500 | 7,743 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9600% | 7,863 |
Cost of funding earning assets | 2.7660% | 2,851 |
Net interest margin | 2.1940% | 7,965 |
Noninterest income to average assets | 0.1744% | 7,182 |
Noninterest expense to average assets | 0.8438% | 8,224 |
Loan and lease loss provision to assets | 0.2604% | 4,319 |
Net operating income to assets | 0.9708% | 2,688 |
Return on assets (ROA) | 1.8640% | 455 |
Pretax return on assets | 1.8640% | 825 |
Return on Equity (ROE) | 6.2399% | 3,847 |
Retained earnings to average equity (ytd only) | 2.8578% | 3,398 |
Net charge-offs to loans | 1.0921% | 1,116 |
Credit loss provision to net charge-offs | 250.9524% | 1,855 |
Earnings coverage of net charge-offs (x) | 11.8667% | 2,318 |
Efficiency ratio | 40.6667% | 8,115 |
Assets per employee ($millions) | 19.2997% | 80 |
Cash dividends to net income (ytd only)* | 54.2009% | 2,923 |
Condition Ratios (%) | ||
Loss allowance to loans | 5.7872% | 67 |
Loan loss allowance to noncurrent loans | 84.2271% | 3,987 |
Noncurrent assets plus other real estate owned to assets | 0.5475% | 5,535 |
Noncurrent loans to loans | 6.8709% | 450 |
Net loans and leases to total assets | 7.5073% | 8,220 |
Net loans and leases to deposits | 33.4342% | 8,070 |
Net loans and leases to core deposits | 38.1175% | 8,083 |
Total domestic deposits to total assets | 22.4540% | 8,234 |
Equity capital to assets | 34.9102% | 126 |
Core capital (leverage) ratio | 34.4221% | 139 |
Tier 1 risk-based capital ratio | 159.8734% | 49 |
Total risk-based capital ratio | 161.1342% | 49 |
Memoranda: | ||
Average total assets | $202,418,600 | 3,111 |
Average earning assets | $175,342,400 | 3,256 |
Average equity | $60,465,800 | 1,111 |
Average total loans | $19,229,400 | 7,385 |