Home > Indiana Bank and Trust Company > Performance and Condition Ratios
Indiana Bank and Trust Company, Performance and Condition Ratios
2012-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4578% | 3,951 |
Cost of funding earning assets | 0.6954% | 4,051 |
Net interest margin | 3.7624% | 3,527 |
Noninterest income to average assets | 1.1007% | 1,182 |
Noninterest expense to average assets | 2.8850% | 3,681 |
Loan and lease loss provision to assets | 3.3284% | 44 |
Net operating income to assets | -0.9695% | 6,900 |
Return on assets (ROA) | -0.9695% | 6,919 |
Pretax return on assets | -1.6837% | 7,032 |
Return on Equity (ROE) | -9.3787% | 6,895 |
Retained earnings to average equity (ytd only) | -9.3787% | 6,821 |
Net charge-offs to loans | 3.2394% | 171 |
Credit loss provision to net charge-offs | 145.8288% | 1,902 |
Earnings coverage of net charge-offs (x) | 0.7206% | 4,690 |
Efficiency ratio | 63.6914% | 4,949 |
Assets per employee ($millions) | 4.7712% | 2,478 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.1857% | 649 |
Loan loss allowance to noncurrent loans | 54.2277% | 4,899 |
Noncurrent assets plus other real estate owned to assets | 4.7085% | 1,031 |
Noncurrent loans to loans | 5.8748% | 769 |
Net loans and leases to total assets | 65.0464% | 2,836 |
Net loans and leases to deposits | 73.3912% | 3,398 |
Net loans and leases to core deposits | 74.8214% | 3,917 |
Total domestic deposits to total assets | 88.6298% | 1,746 |
Equity capital to assets | 10.4313% | 3,766 |
Core capital (leverage) ratio | 9.6047% | 3,993 |
Tier 1 risk-based capital ratio | 12.5149% | 5,555 |
Total risk-based capital ratio | 13.7837% | 5,525 |
Memoranda: | ||
Average total assets | $962,151,670 | 691 |
Average earning assets | $876,889,670 | 687 |
Average equity | $99,459,670 | 723 |
Average total loans | $677,912,670 | 613 |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5044% | 3,890 |
Cost of funding earning assets | 0.7229% | 4,089 |
Net interest margin | 3.7816% | 3,477 |
Noninterest income to average assets | 1.0983% | 1,177 |
Noninterest expense to average assets | 2.8535% | 3,813 |
Loan and lease loss provision to assets | 3.1729% | 66 |
Net operating income to assets | -0.8278% | 6,962 |
Return on assets (ROA) | -0.8278% | 6,977 |
Pretax return on assets | -1.4706% | 7,074 |
Return on Equity (ROE) | -8.0426% | 6,953 |
Retained earnings to average equity (ytd only) | -8.0426% | 6,767 |
Net charge-offs to loans | 2.6104% | 313 |
Credit loss provision to net charge-offs | 168.7527% | 1,515 |
Earnings coverage of net charge-offs (x) | 0.9054% | 3,875 |
Efficiency ratio | 62.6350% | 5,165 |
Assets per employee ($millions) | 4.5219% | 2,954 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.6214% | 1,201 |
Loan loss allowance to noncurrent loans | 64.3727% | 4,302 |
Noncurrent assets plus other real estate owned to assets | 3.7281% | 1,506 |
Noncurrent loans to loans | 4.0722% | 1,491 |
Net loans and leases to total assets | 69.6255% | 1,820 |
Net loans and leases to deposits | 78.4225% | 2,429 |
Net loans and leases to core deposits | 79.8207% | 3,091 |
Total domestic deposits to total assets | 88.7825% | 1,826 |
Equity capital to assets | 10.2876% | 3,742 |
Core capital (leverage) ratio | 10.0299% | 3,331 |
Tier 1 risk-based capital ratio | 12.1507% | 5,861 |
Total risk-based capital ratio | 13.4137% | 5,830 |
Memoranda: | ||
Average total assets | $975,652,000 | 679 |
Average earning assets | $892,015,000 | 670 |
Average equity | $100,415,500 | 711 |
Average total loans | $702,720,000 | 587 |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6146% | 4,614 |
Cost of funding earning assets | 0.9545% | 3,694 |
Net interest margin | 3.6601% | 4,472 |
Noninterest income to average assets | 0.9838% | 1,409 |
Noninterest expense to average assets | 2.9965% | 3,606 |
Loan and lease loss provision to assets | 1.9211% | 330 |
Net operating income to assets | -0.2624% | 6,310 |
Return on assets (ROA) | -0.1180% | 6,251 |
Pretax return on assets | -0.3288% | 6,371 |
Return on Equity (ROE) | -1.1794% | 6,262 |
Retained earnings to average equity (ytd only) | -1.1794% | 6,040 |
Net charge-offs to loans | 2.6102% | 431 |
Credit loss provision to net charge-offs | 101.9759% | 3,403 |
Earnings coverage of net charge-offs (x) | 0.7254% | 5,267 |
Efficiency ratio | 68.6790% | 4,213 |
Assets per employee ($millions) | 4.5120% | 2,888 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0999% | 2,006 |
Loan loss allowance to noncurrent loans | 43.9955% | 5,372 |
Noncurrent assets plus other real estate owned to assets | 4.0455% | 1,417 |
Noncurrent loans to loans | 4.7730% | 1,216 |
Net loans and leases to total assets | 71.0198% | 1,819 |
Net loans and leases to deposits | 80.1413% | 2,498 |
Net loans and leases to core deposits | 81.6367% | 3,229 |
Total domestic deposits to total assets | 88.6182% | 1,775 |
Equity capital to assets | 10.2966% | 3,790 |
Core capital (leverage) ratio | 10.1706% | 3,135 |
Tier 1 risk-based capital ratio | 12.1508% | 5,725 |
Total risk-based capital ratio | 13.4083% | 5,698 |
Memoranda: | ||
Average total assets | $1,015,536,000 | 649 |
Average earning assets | $937,635,600 | 632 |
Average equity | $101,580,000 | 675 |
Average total loans | $732,928,800 | 562 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6639% | 4,615 |
Cost of funding earning assets | 1.0167% | 3,556 |
Net interest margin | 3.6472% | 4,583 |
Noninterest income to average assets | 0.9160% | 1,592 |
Noninterest expense to average assets | 3.0303% | 3,437 |
Loan and lease loss provision to assets | 2.3874% | 193 |
Net operating income to assets | -0.6063% | 6,700 |
Return on assets (ROA) | -0.4153% | 6,645 |
Pretax return on assets | -0.8277% | 6,797 |
Return on Equity (ROE) | -4.1814% | 6,639 |
Retained earnings to average equity (ytd only) | -4.1814% | 6,528 |
Net charge-offs to loans | 3.2842% | 259 |
Credit loss provision to net charge-offs | 100.8474% | 3,334 |
Earnings coverage of net charge-offs (x) | 0.5328% | 5,233 |
Efficiency ratio | 70.6107% | 3,832 |
Assets per employee ($millions) | 4.5033% | 2,912 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0682% | 2,150 |
Loan loss allowance to noncurrent loans | 43.5129% | 5,411 |
Noncurrent assets plus other real estate owned to assets | 4.3051% | 1,406 |
Noncurrent loans to loans | 4.7531% | 1,353 |
Net loans and leases to total assets | 72.5218% | 1,605 |
Net loans and leases to deposits | 82.4253% | 2,277 |
Net loans and leases to core deposits | 84.0888% | 3,055 |
Total domestic deposits to total assets | 87.9849% | 2,039 |
Equity capital to assets | 10.3124% | 3,936 |
Core capital (leverage) ratio | 9.5746% | 4,029 |
Tier 1 risk-based capital ratio | 11.8079% | 6,030 |
Total risk-based capital ratio | 13.0649% | 6,014 |
Memoranda: | ||
Average total assets | $1,023,514,500 | 652 |
Average earning assets | $947,251,250 | 636 |
Average equity | $101,655,000 | 682 |
Average total loans | $737,773,500 | 563 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6805% | 4,620 |
Cost of funding earning assets | 1.0575% | 3,551 |
Net interest margin | 3.6230% | 4,639 |
Noninterest income to average assets | 0.8533% | 1,790 |
Noninterest expense to average assets | 2.7919% | 4,459 |
Loan and lease loss provision to assets | 0.8140% | 1,128 |
Net operating income to assets | 0.4411% | 4,766 |
Return on assets (ROA) | 0.4669% | 4,789 |
Pretax return on assets | 0.6448% | 4,590 |
Return on Equity (ROE) | 4.7572% | 4,564 |
Retained earnings to average equity (ytd only) | 4.7572% | 3,152 |
Net charge-offs to loans | 1.2952% | 1,189 |
Credit loss provision to net charge-offs | 87.9296% | 3,517 |
Earnings coverage of net charge-offs (x) | 1.5371% | 4,138 |
Efficiency ratio | 66.2392% | 4,834 |
Assets per employee ($millions) | 4.6372% | 2,627 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9051% | 2,654 |
Loan loss allowance to noncurrent loans | 54.9534% | 4,733 |
Noncurrent assets plus other real estate owned to assets | 2.9353% | 2,285 |
Noncurrent loans to loans | 3.4668% | 2,042 |
Net loans and leases to total assets | 69.5136% | 2,314 |
Net loans and leases to deposits | 83.9963% | 2,110 |
Net loans and leases to core deposits | 85.8946% | 2,923 |
Total domestic deposits to total assets | 82.7579% | 4,872 |
Equity capital to assets | 10.1116% | 4,000 |
Core capital (leverage) ratio | 9.7548% | 3,584 |
Tier 1 risk-based capital ratio | 12.2009% | 5,613 |
Total risk-based capital ratio | 13.4560% | 5,595 |
Memoranda: | ||
Average total assets | $1,043,452,000 | 645 |
Average earning assets | $968,147,000 | 627 |
Average equity | $102,413,000 | 675 |
Average total loans | $745,813,330 | 569 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7075% | 4,483 |
Cost of funding earning assets | 1.0704% | 3,718 |
Net interest margin | 3.6371% | 4,387 |
Noninterest income to average assets | 0.7504% | 2,255 |
Noninterest expense to average assets | 2.8246% | 4,357 |
Loan and lease loss provision to assets | 0.5959% | 1,448 |
Net operating income to assets | 0.5093% | 4,456 |
Return on assets (ROA) | 0.5599% | 4,310 |
Pretax return on assets | 0.7780% | 3,978 |
Return on Equity (ROE) | 5.7921% | 4,022 |
Retained earnings to average equity (ytd only) | 5.7921% | 2,759 |
Net charge-offs to loans | 0.8451% | 1,561 |
Credit loss provision to net charge-offs | 98.2346% | 2,781 |
Earnings coverage of net charge-offs (x) | 2.1488% | 3,231 |
Efficiency ratio | 68.4240% | 4,574 |
Assets per employee ($millions) | 4.7052% | 2,566 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9534% | 2,533 |
Loan loss allowance to noncurrent loans | 86.7170% | 3,287 |
Noncurrent assets plus other real estate owned to assets | 2.0715% | 3,234 |
Noncurrent loans to loans | 2.2526% | 3,251 |
Net loans and leases to total assets | 69.7362% | 2,177 |
Net loans and leases to deposits | 83.0770% | 2,176 |
Net loans and leases to core deposits | 85.4693% | 2,961 |
Total domestic deposits to total assets | 83.9417% | 4,510 |
Equity capital to assets | 9.7373% | 4,128 |
Core capital (leverage) ratio | 9.7779% | 3,412 |
Tier 1 risk-based capital ratio | 11.9140% | 5,765 |
Total risk-based capital ratio | 13.1696% | 5,753 |
Memoranda: | ||
Average total assets | $1,045,815,500 | 649 |
Average earning assets | $971,218,000 | 627 |
Average equity | $101,103,500 | 675 |
Average total loans | $750,681,000 | 573 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8378% | 5,285 |
Cost of funding earning assets | 1.3871% | 3,353 |
Net interest margin | 3.4506% | 5,427 |
Noninterest income to average assets | 0.9985% | 1,507 |
Noninterest expense to average assets | 2.7175% | 4,916 |
Loan and lease loss provision to assets | 0.6892% | 2,386 |
Net operating income to assets | 0.5511% | 3,883 |
Return on assets (ROA) | 0.5888% | 3,885 |
Pretax return on assets | 0.8256% | 3,551 |
Return on Equity (ROE) | 6.2724% | 3,464 |
Retained earnings to average equity (ytd only) | 6.2724% | 1,680 |
Net charge-offs to loans | 0.7571% | 2,746 |
Credit loss provision to net charge-offs | 126.2575% | 3,211 |
Earnings coverage of net charge-offs (x) | 2.6778% | 3,754 |
Efficiency ratio | 65.0242% | 5,158 |
Assets per employee ($millions) | 4.6953% | 2,565 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9344% | 2,459 |
Loan loss allowance to noncurrent loans | 71.7000% | 3,861 |
Noncurrent assets plus other real estate owned to assets | 2.3744% | 2,896 |
Noncurrent loans to loans | 2.6979% | 2,822 |
Net loans and leases to total assets | 71.0365% | 2,294 |
Net loans and leases to deposits | 85.7197% | 2,151 |
Net loans and leases to core deposits | 88.1512% | 3,032 |
Total domestic deposits to total assets | 82.8707% | 4,851 |
Equity capital to assets | 9.5971% | 4,275 |
Core capital (leverage) ratio | 9.2684% | 4,076 |
Tier 1 risk-based capital ratio | 11.6702% | 5,750 |
Total risk-based capital ratio | 12.9258% | 5,750 |
Memoranda: | ||
Average total assets | $1,041,648,200 | 649 |
Average earning assets | $960,175,800 | 623 |
Average equity | $97,778,000 | 689 |
Average total loans | $751,053,000 | 580 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8326% | 5,540 |
Cost of funding earning assets | 1.4514% | 3,266 |
Net interest margin | 3.3811% | 5,748 |
Noninterest income to average assets | 0.9312% | 1,683 |
Noninterest expense to average assets | 2.6545% | 5,093 |
Loan and lease loss provision to assets | 0.6694% | 2,284 |
Net operating income to assets | 0.5489% | 4,095 |
Return on assets (ROA) | 0.5784% | 4,124 |
Pretax return on assets | 0.7578% | 4,057 |
Return on Equity (ROE) | 6.1965% | 3,727 |
Retained earnings to average equity (ytd only) | 6.1965% | 2,264 |
Net charge-offs to loans | 0.6467% | 2,813 |
Credit loss provision to net charge-offs | 143.7328% | 2,735 |
Earnings coverage of net charge-offs (x) | 2.9810% | 3,640 |
Efficiency ratio | 65.6586% | 4,932 |
Assets per employee ($millions) | 4.8131% | 2,437 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9405% | 2,376 |
Loan loss allowance to noncurrent loans | 77.8278% | 3,460 |
Noncurrent assets plus other real estate owned to assets | 2.7950% | 2,596 |
Noncurrent loans to loans | 2.4934% | 3,125 |
Net loans and leases to total assets | 69.2262% | 2,923 |
Net loans and leases to deposits | 81.9571% | 3,116 |
Net loans and leases to core deposits | 83.7464% | 3,986 |
Total domestic deposits to total assets | 84.4664% | 3,891 |
Equity capital to assets | 9.4235% | 4,956 |
Core capital (leverage) ratio | 9.1974% | 4,376 |
Tier 1 risk-based capital ratio | 11.4262% | 5,995 |
Total risk-based capital ratio | 12.6818% | 5,976 |
Memoranda: | ||
Average total assets | $1,041,468,500 | 640 |
Average earning assets | $958,473,000 | 623 |
Average equity | $97,213,250 | 690 |
Average total loans | $750,049,500 | 581 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8296% | 5,684 |
Cost of funding earning assets | 1.5119% | 3,188 |
Net interest margin | 3.3178% | 5,953 |
Noninterest income to average assets | 0.9223% | 1,610 |
Noninterest expense to average assets | 2.6469% | 5,141 |
Loan and lease loss provision to assets | 0.6967% | 2,083 |
Net operating income to assets | 0.4656% | 4,484 |
Return on assets (ROA) | 0.4594% | 4,669 |
Pretax return on assets | 0.6197% | 4,506 |
Return on Equity (ROE) | 4.9383% | 4,317 |
Retained earnings to average equity (ytd only) | 4.9383% | 2,942 |
Net charge-offs to loans | 0.6328% | 2,648 |
Credit loss provision to net charge-offs | 151.8393% | 2,583 |
Earnings coverage of net charge-offs (x) | 2.8871% | 3,553 |
Efficiency ratio | 66.6455% | 4,855 |
Assets per employee ($millions) | 4.7528% | 2,498 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9008% | 2,409 |
Loan loss allowance to noncurrent loans | 73.6315% | 3,668 |
Noncurrent assets plus other real estate owned to assets | 2.9351% | 2,448 |
Noncurrent loans to loans | 2.5816% | 3,054 |
Net loans and leases to total assets | 69.8204% | 2,947 |
Net loans and leases to deposits | 83.6310% | 2,944 |
Net loans and leases to core deposits | 85.3658% | 3,923 |
Total domestic deposits to total assets | 83.4863% | 4,348 |
Equity capital to assets | 9.2198% | 5,114 |
Core capital (leverage) ratio | 9.1069% | 4,451 |
Tier 1 risk-based capital ratio | 11.1844% | 6,054 |
Total risk-based capital ratio | 12.4397% | 6,042 |
Memoranda: | ||
Average total assets | $1,030,850,330 | 642 |
Average earning assets | $947,446,670 | 631 |
Average equity | $95,902,670 | 688 |
Average total loans | $747,491,000 | 582 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8317% | 5,759 |
Cost of funding earning assets | 1.5621% | 3,189 |
Net interest margin | 3.2696% | 6,071 |
Noninterest income to average assets | 0.8049% | 1,999 |
Noninterest expense to average assets | 2.7208% | 4,811 |
Loan and lease loss provision to assets | 0.8245% | 1,536 |
Net operating income to assets | 0.2425% | 5,531 |
Return on assets (ROA) | 0.2224% | 5,726 |
Pretax return on assets | 0.2397% | 5,767 |
Return on Equity (ROE) | 2.3791% | 5,602 |
Retained earnings to average equity (ytd only) | 2.3791% | 4,717 |
Net charge-offs to loans | 0.3295% | 3,086 |
Credit loss provision to net charge-offs | 341.7618% | 1,180 |
Earnings coverage of net charge-offs (x) | 4.5008% | 2,617 |
Efficiency ratio | 71.4744% | 4,029 |
Assets per employee ($millions) | 4.5273% | 2,907 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9610% | 2,282 |
Loan loss allowance to noncurrent loans | 67.9659% | 3,958 |
Noncurrent assets plus other real estate owned to assets | 3.2232% | 2,227 |
Noncurrent loans to loans | 2.8853% | 2,795 |
Net loans and leases to total assets | 71.3148% | 2,612 |
Net loans and leases to deposits | 84.2559% | 2,900 |
Net loans and leases to core deposits | 86.1375% | 3,870 |
Total domestic deposits to total assets | 84.6407% | 3,836 |
Equity capital to assets | 9.3218% | 4,800 |
Core capital (leverage) ratio | 9.2312% | 4,171 |
Tier 1 risk-based capital ratio | 11.1696% | 5,988 |
Total risk-based capital ratio | 12.4258% | 5,943 |
Memoranda: | ||
Average total assets | $1,016,336,500 | 667 |
Average earning assets | $933,089,000 | 658 |
Average equity | $94,994,500 | 698 |
Average total loans | $744,061,500 | 609 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1114% | 6,040 |
Cost of funding earning assets | 2.0505% | 2,721 |
Net interest margin | 3.0609% | 6,490 |
Noninterest income to average assets | 1.0156% | 1,515 |
Noninterest expense to average assets | 3.2468% | 3,200 |
Loan and lease loss provision to assets | 1.6056% | 1,425 |
Net operating income to assets | -0.6290% | 6,295 |
Return on assets (ROA) | -0.5134% | 6,185 |
Pretax return on assets | -0.8271% | 6,290 |
Return on Equity (ROE) | -5.3039% | 6,237 |
Retained earnings to average equity (ytd only) | -5.3039% | 6,062 |
Net charge-offs to loans | 1.5003% | 1,671 |
Credit loss provision to net charge-offs | 138.6865% | 3,542 |
Earnings coverage of net charge-offs (x) | 0.5163% | 5,596 |
Efficiency ratio | 80.8621% | 2,768 |
Assets per employee ($millions) | 4.4083% | 3,099 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7628% | 2,668 |
Loan loss allowance to noncurrent loans | 60.1514% | 4,384 |
Noncurrent assets plus other real estate owned to assets | 3.4079% | 1,985 |
Noncurrent loans to loans | 2.9307% | 2,631 |
Net loans and leases to total assets | 72.3865% | 2,666 |
Net loans and leases to deposits | 85.9028% | 2,930 |
Net loans and leases to core deposits | 97.5448% | 4,276 |
Total domestic deposits to total assets | 84.2656% | 3,910 |
Equity capital to assets | 9.3720% | 4,602 |
Core capital (leverage) ratio | 8.8628% | 4,658 |
Tier 1 risk-based capital ratio | 10.9489% | 5,961 |
Total risk-based capital ratio | 12.2024% | 5,934 |
Memoranda: | ||
Average total assets | $1,010,106,600 | 662 |
Average earning assets | $933,547,600 | 647 |
Average equity | $97,778,000 | 675 |
Average total loans | $779,429,600 | 587 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0986% | 6,272 |
Cost of funding earning assets | 2.0728% | 3,019 |
Net interest margin | 3.0258% | 6,531 |
Noninterest income to average assets | 1.0160% | 1,541 |
Noninterest expense to average assets | 2.9237% | 4,348 |
Loan and lease loss provision to assets | 1.6873% | 1,101 |
Net operating income to assets | -0.5119% | 6,435 |
Return on assets (ROA) | -0.5151% | 6,442 |
Pretax return on assets | -0.7979% | 6,542 |
Return on Equity (ROE) | -5.2794% | 6,481 |
Retained earnings to average equity (ytd only) | -5.2794% | 6,288 |
Net charge-offs to loans | 1.5567% | 1,316 |
Credit loss provision to net charge-offs | 138.9070% | 3,559 |
Earnings coverage of net charge-offs (x) | 0.7362% | 5,303 |
Efficiency ratio | 71.7584% | 4,287 |
Assets per employee ($millions) | 4.5750% | 2,741 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5939% | 3,015 |
Loan loss allowance to noncurrent loans | 41.0441% | 5,595 |
Noncurrent assets plus other real estate owned to assets | 3.1200% | 2,195 |
Noncurrent loans to loans | 3.8833% | 1,905 |
Net loans and leases to total assets | 71.4065% | 3,176 |
Net loans and leases to deposits | 90.0271% | 2,579 |
Net loans and leases to core deposits | 102.7904% | 4,078 |
Total domestic deposits to total assets | 79.3167% | 5,688 |
Equity capital to assets | 9.2249% | 5,124 |
Core capital (leverage) ratio | 9.2494% | 4,262 |
Tier 1 risk-based capital ratio | 11.3898% | 5,548 |
Total risk-based capital ratio | 12.6422% | 5,487 |
Memoranda: | ||
Average total assets | $1,010,257,750 | 670 |
Average earning assets | $935,525,000 | 662 |
Average equity | $98,569,750 | 672 |
Average total loans | $788,323,000 | 596 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1818% | 6,141 |
Cost of funding earning assets | 2.1067% | 3,234 |
Net interest margin | 3.0751% | 6,318 |
Noninterest income to average assets | 1.1100% | 1,288 |
Noninterest expense to average assets | 2.8551% | 4,710 |
Loan and lease loss provision to assets | 1.7839% | 930 |
Net operating income to assets | -0.3852% | 6,434 |
Return on assets (ROA) | -0.3852% | 6,441 |
Pretax return on assets | -0.6922% | 6,593 |
Return on Equity (ROE) | -3.8740% | 6,465 |
Retained earnings to average equity (ytd only) | -3.8740% | 6,115 |
Net charge-offs to loans | 1.8466% | 1,022 |
Credit loss provision to net charge-offs | 120.8158% | 3,842 |
Earnings coverage of net charge-offs (x) | 0.7394% | 4,985 |
Efficiency ratio | 71.9125% | 4,432 |
Assets per employee ($millions) | 4.3870% | 2,952 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2976% | 4,291 |
Loan loss allowance to noncurrent loans | 36.3310% | 5,999 |
Noncurrent assets plus other real estate owned to assets | 3.0750% | 2,044 |
Noncurrent loans to loans | 3.5715% | 1,958 |
Net loans and leases to total assets | 76.6245% | 2,031 |
Net loans and leases to deposits | 97.9814% | 1,519 |
Net loans and leases to core deposits | 111.6851% | 3,181 |
Total domestic deposits to total assets | 78.2031% | 6,022 |
Equity capital to assets | 9.7381% | 4,294 |
Core capital (leverage) ratio | 9.5723% | 3,784 |
Tier 1 risk-based capital ratio | 11.2776% | 5,615 |
Total risk-based capital ratio | 12.4603% | 5,594 |
Memoranda: | ||
Average total assets | $996,261,000 | 698 |
Average earning assets | $919,055,330 | 685 |
Average equity | $99,070,000 | 679 |
Average total loans | $796,583,000 | 610 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2975% | 5,902 |
Cost of funding earning assets | 2.1125% | 3,591 |
Net interest margin | 3.1850% | 5,903 |
Noninterest income to average assets | 1.1648% | 1,080 |
Noninterest expense to average assets | 2.8099% | 4,514 |
Loan and lease loss provision to assets | 0.8459% | 1,537 |
Net operating income to assets | 0.2935% | 5,321 |
Return on assets (ROA) | 0.2935% | 5,494 |
Pretax return on assets | 0.4342% | 5,295 |
Return on Equity (ROE) | 2.9211% | 5,402 |
Retained earnings to average equity (ytd only) | 2.9211% | 4,243 |
Net charge-offs to loans | 0.8746% | 1,495 |
Credit loss provision to net charge-offs | 119.2045% | 3,291 |
Earnings coverage of net charge-offs (x) | 1.8040% | 3,830 |
Efficiency ratio | 68.2867% | 4,911 |
Assets per employee ($millions) | 4.3707% | 2,937 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1072% | 5,415 |
Loan loss allowance to noncurrent loans | 38.2903% | 5,993 |
Noncurrent assets plus other real estate owned to assets | 2.6724% | 2,140 |
Noncurrent loans to loans | 2.8917% | 2,258 |
Net loans and leases to total assets | 79.6616% | 1,448 |
Net loans and leases to deposits | 103.8771% | 1,015 |
Net loans and leases to core deposits | 120.4629% | 2,381 |
Total domestic deposits to total assets | 76.6883% | 6,366 |
Equity capital to assets | 10.0122% | 3,992 |
Core capital (leverage) ratio | 10.0934% | 3,296 |
Tier 1 risk-based capital ratio | 11.6217% | 5,279 |
Total risk-based capital ratio | 12.6682% | 5,389 |
Memoranda: | ||
Average total assets | $992,075,000 | 699 |
Average earning assets | $911,150,500 | 691 |
Average equity | $99,689,000 | 674 |
Average total loans | $804,917,000 | 612 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.0697% | 5,205 |
Cost of funding earning assets | 2.5312% | 4,042 |
Net interest margin | 3.5385% | 5,153 |
Noninterest income to average assets | 1.2178% | 1,000 |
Noninterest expense to average assets | 2.9781% | 4,161 |
Loan and lease loss provision to assets | 0.4589% | 2,993 |
Net operating income to assets | 0.6846% | 3,960 |
Return on assets (ROA) | 0.6538% | 3,941 |
Pretax return on assets | 0.9900% | 3,414 |
Return on Equity (ROE) | 7.2229% | 3,420 |
Retained earnings to average equity (ytd only) | 3.9959% | 2,648 |
Net charge-offs to loans | 0.3428% | 3,113 |
Credit loss provision to net charge-offs | 160.4486% | 3,219 |
Earnings coverage of net charge-offs (x) | 5.2295% | 3,721 |
Efficiency ratio | 65.9848% | 5,129 |
Assets per employee ($millions) | 4.2751% | 2,998 |
Cash dividends to net income (ytd only)* | 44.6770% | 3,420 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0688% | 5,489 |
Loan loss allowance to noncurrent loans | 35.7696% | 6,352 |
Noncurrent assets plus other real estate owned to assets | 2.7812% | 1,689 |
Noncurrent loans to loans | 2.9881% | 1,796 |
Net loans and leases to total assets | 80.8528% | 1,479 |
Net loans and leases to deposits | 110.8176% | 780 |
Net loans and leases to core deposits | 128.0984% | 1,994 |
Total domestic deposits to total assets | 72.9603% | 6,837 |
Equity capital to assets | 10.0855% | 3,935 |
Core capital (leverage) ratio | 10.2603% | 3,209 |
Tier 1 risk-based capital ratio | 11.1296% | 5,616 |
Total risk-based capital ratio | 12.1013% | 5,770 |
Memoranda: | ||
Average total assets | $935,307,000 | 715 |
Average earning assets | $860,620,200 | 699 |
Average equity | $84,661,200 | 786 |
Average total loans | $780,232,000 | 609 |