Home > Inland Community Bank > Performance and Condition Ratios
Inland Community Bank, Performance and Condition Ratios
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 | 4.7831% | 2,451 |
Cost of funding earning assets | 0.4645% | 5,685 |
Net interest margin | 4.3187% | 1,421 |
Noninterest income to average assets | 0.8222% | 2,150 |
Noninterest expense to average assets | 4.0917% | 838 |
Loan and lease loss provision to assets | 0.1237% | 4,006 |
Net operating income to assets | 0.2305% | 5,838 |
Return on assets (ROA) | 0.2314% | 6,018 |
Pretax return on assets | 0.3353% | 5,883 |
Return on Equity (ROE) | 1.7792% | 6,082 |
Retained earnings to average equity (ytd only) | 1.7792% | 5,439 |
Net charge-offs to loans | 0.3943% | 2,513 |
Credit loss provision to net charge-offs | 43.1965% | 4,547 |
Earnings coverage of net charge-offs (x) | 1.5983% | 4,485 |
Efficiency ratio | 86.3884% | 1,350 |
Assets per employee ($millions) | 3.7909% | 4,321 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.3953% | 1,374 |
Loan loss allowance to noncurrent loans | 48.0732% | 5,227 |
Noncurrent assets plus other real estate owned to assets | 5.3148% | 815 |
Noncurrent loans to loans | 4.9825% | 911 |
Net loans and leases to total assets | 75.6661% | 1,018 |
Net loans and leases to deposits | 92.5124% | 918 |
Net loans and leases to core deposits | 97.7312% | 1,284 |
Total domestic deposits to total assets | 81.7902% | 5,091 |
Equity capital to assets | 13.4329% | 1,380 |
Core capital (leverage) ratio | 13.5106% | 1,004 |
Tier 1 risk-based capital ratio | 17.1353% | 2,679 |
Total risk-based capital ratio | 18.4002% | 2,623 |
Memoranda: | ||
Average total assets | $215,519,250 | 2,911 |
Average earning assets | $186,009,500 | 3,036 |
Average equity | $28,026,000 | 2,408 |
Average total loans | $156,561,000 | 2,508 |
2012-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7208% | 2,837 |
Cost of funding earning assets | 0.5102% | 5,555 |
Net interest margin | 4.2106% | 1,722 |
Noninterest income to average assets | 0.7147% | 2,582 |
Noninterest expense to average assets | 4.1958% | 731 |
Loan and lease loss provision to assets | 0.1847% | 3,257 |
Net operating income to assets | 0.0084% | 6,311 |
Return on assets (ROA) | 0.0102% | 6,443 |
Pretax return on assets | -0.0203% | 6,468 |
Return on Equity (ROE) | 0.0790% | 6,446 |
Retained earnings to average equity (ytd only) | 0.0790% | 6,015 |
Net charge-offs to loans | 0.4289% | 2,326 |
Credit loss provision to net charge-offs | 60.6061% | 3,780 |
Earnings coverage of net charge-offs (x) | 0.5303% | 4,804 |
Efficiency ratio | 92.6044% | 887 |
Assets per employee ($millions) | 3.3714% | 5,270 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.8048% | 936 |
Loan loss allowance to noncurrent loans | 48.7379% | 5,183 |
Noncurrent assets plus other real estate owned to assets | 5.5637% | 795 |
Noncurrent loans to loans | 5.7549% | 787 |
Net loans and leases to total assets | 68.6472% | 2,178 |
Net loans and leases to deposits | 80.1741% | 2,355 |
Net loans and leases to core deposits | 88.6406% | 2,132 |
Total domestic deposits to total assets | 85.6226% | 3,553 |
Equity capital to assets | 13.6762% | 1,229 |
Core capital (leverage) ratio | 12.5774% | 1,320 |
Tier 1 risk-based capital ratio | 17.6750% | 2,402 |
Total risk-based capital ratio | 18.9419% | 2,366 |
Memoranda: | ||
Average total assets | $216,595,000 | 2,910 |
Average earning assets | $187,384,330 | 3,027 |
Average equity | $27,862,330 | 2,405 |
Average total loans | $153,889,670 | 2,553 |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8110% | 2,586 |
Cost of funding earning assets | 0.5251% | 5,639 |
Net interest margin | 4.2859% | 1,515 |
Noninterest income to average assets | 0.7836% | 2,245 |
Noninterest expense to average assets | 4.0727% | 862 |
Loan and lease loss provision to assets | 0.1351% | 3,658 |
Net operating income to assets | 0.2048% | 5,971 |
Return on assets (ROA) | 0.2071% | 6,107 |
Pretax return on assets | 0.3134% | 5,949 |
Return on Equity (ROE) | 1.6588% | 6,170 |
Retained earnings to average equity (ytd only) | 1.6588% | 5,404 |
Net charge-offs to loans | 0.2301% | 2,777 |
Credit loss provision to net charge-offs | 82.4176% | 2,685 |
Earnings coverage of net charge-offs (x) | 2.7143% | 3,094 |
Efficiency ratio | 86.6826% | 1,413 |
Assets per employee ($millions) | 3.6820% | 4,698 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.9498% | 875 |
Loan loss allowance to noncurrent loans | 44.4680% | 5,387 |
Noncurrent assets plus other real estate owned to assets | 4.3536% | 1,238 |
Noncurrent loans to loans | 6.6334% | 718 |
Net loans and leases to total assets | 62.3710% | 3,174 |
Net loans and leases to deposits | 72.0840% | 3,423 |
Net loans and leases to core deposits | 88.9100% | 1,963 |
Total domestic deposits to total assets | 86.5254% | 3,228 |
Equity capital to assets | 12.5706% | 1,676 |
Core capital (leverage) ratio | 12.2658% | 1,454 |
Tier 1 risk-based capital ratio | 18.3524% | 2,186 |
Total risk-based capital ratio | 19.6223% | 2,149 |
Memoranda: | ||
Average total assets | $222,064,500 | 2,861 |
Average earning assets | $193,471,500 | 2,980 |
Average equity | $27,730,500 | 2,406 |
Average total loans | $158,209,000 | 2,505 |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9593% | 3,073 |
Cost of funding earning assets | 0.6719% | 5,700 |
Net interest margin | 4.2874% | 1,741 |
Noninterest income to average assets | 0.4216% | 4,433 |
Noninterest expense to average assets | 4.0154% | 1,019 |
Loan and lease loss provision to assets | 0.5690% | 1,831 |
Net operating income to assets | -0.2455% | 6,296 |
Return on assets (ROA) | -0.2406% | 6,355 |
Pretax return on assets | -0.3823% | 6,412 |
Return on Equity (ROE) | -2.1319% | 6,348 |
Retained earnings to average equity (ytd only) | -2.1319% | 6,173 |
Net charge-offs to loans | 0.9526% | 1,814 |
Credit loss provision to net charge-offs | 91.3524% | 3,949 |
Earnings coverage of net charge-offs (x) | 0.2874% | 5,610 |
Efficiency ratio | 90.7213% | 1,136 |
Assets per employee ($millions) | 3.6001% | 4,769 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.4100% | 1,450 |
Loan loss allowance to noncurrent loans | 39.9962% | 5,607 |
Noncurrent assets plus other real estate owned to assets | 4.7986% | 1,129 |
Noncurrent loans to loans | 6.0256% | 821 |
Net loans and leases to total assets | 76.2675% | 917 |
Net loans and leases to deposits | 87.5749% | 1,440 |
Net loans and leases to core deposits | 110.7190% | 600 |
Total domestic deposits to total assets | 87.0883% | 2,714 |
Equity capital to assets | 12.4054% | 1,853 |
Core capital (leverage) ratio | 11.6392% | 1,796 |
Tier 1 risk-based capital ratio | 15.9902% | 3,057 |
Total risk-based capital ratio | 17.2563% | 3,005 |
Memoranda: | ||
Average total assets | $246,925,800 | 2,557 |
Average earning assets | $217,289,400 | 2,644 |
Average equity | $27,862,200 | 2,338 |
Average total loans | $161,447,200 | 2,480 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9081% | 3,517 |
Cost of funding earning assets | 0.6958% | 5,798 |
Net interest margin | 4.2123% | 2,046 |
Noninterest income to average assets | 0.6285% | 3,004 |
Noninterest expense to average assets | 4.0275% | 976 |
Loan and lease loss provision to assets | 0.7145% | 1,341 |
Net operating income to assets | -0.2541% | 6,442 |
Return on assets (ROA) | -0.2484% | 6,508 |
Pretax return on assets | -0.3886% | 6,558 |
Return on Equity (ROE) | -2.2504% | 6,501 |
Retained earnings to average equity (ytd only) | -2.2504% | 6,326 |
Net charge-offs to loans | 1.0198% | 1,572 |
Credit loss provision to net charge-offs | 111.9835% | 2,925 |
Earnings coverage of net charge-offs (x) | 0.4967% | 5,248 |
Efficiency ratio | 87.9840% | 1,345 |
Assets per employee ($millions) | 4.0019% | 3,837 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.9721% | 881 |
Loan loss allowance to noncurrent loans | 55.8992% | 4,655 |
Noncurrent assets plus other real estate owned to assets | 3.7691% | 1,649 |
Noncurrent loans to loans | 5.3168% | 1,138 |
Net loans and leases to total assets | 60.9393% | 3,955 |
Net loans and leases to deposits | 69.4763% | 4,387 |
Net loans and leases to core deposits | 87.5870% | 2,549 |
Total domestic deposits to total assets | 87.7123% | 2,225 |
Equity capital to assets | 11.5851% | 2,606 |
Core capital (leverage) ratio | 11.1182% | 2,300 |
Tier 1 risk-based capital ratio | 16.5755% | 2,827 |
Total risk-based capital ratio | 17.8434% | 2,778 |
Memoranda: | ||
Average total assets | $252,855,000 | 2,503 |
Average earning assets | $223,056,500 | 2,591 |
Average equity | $27,905,250 | 2,337 |
Average total loans | $158,199,000 | 2,545 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8999% | 3,621 |
Cost of funding earning assets | 0.7444% | 5,706 |
Net interest margin | 4.1555% | 2,209 |
Noninterest income to average assets | 0.6215% | 2,997 |
Noninterest expense to average assets | 3.5744% | 1,801 |
Loan and lease loss provision to assets | 0.2528% | 3,381 |
Net operating income to assets | 0.2701% | 5,481 |
Return on assets (ROA) | 0.2746% | 5,589 |
Pretax return on assets | 0.4706% | 5,170 |
Return on Equity (ROE) | 2.5273% | 5,595 |
Retained earnings to average equity (ytd only) | 2.5273% | 4,681 |
Net charge-offs to loans | 0.6125% | 2,297 |
Credit loss provision to net charge-offs | 66.0569% | 4,175 |
Earnings coverage of net charge-offs (x) | 1.8720% | 3,929 |
Efficiency ratio | 78.5896% | 2,612 |
Assets per employee ($millions) | 4.2470% | 3,262 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.6622% | 1,221 |
Loan loss allowance to noncurrent loans | 46.3849% | 5,234 |
Noncurrent assets plus other real estate owned to assets | 4.2536% | 1,494 |
Noncurrent loans to loans | 5.7393% | 1,072 |
Net loans and leases to total assets | 59.8351% | 4,300 |
Net loans and leases to deposits | 67.7100% | 4,755 |
Net loans and leases to core deposits | 85.5496% | 2,988 |
Total domestic deposits to total assets | 88.3697% | 1,933 |
Equity capital to assets | 11.1712% | 2,791 |
Core capital (leverage) ratio | 10.9515% | 2,296 |
Tier 1 risk-based capital ratio | 15.9515% | 2,996 |
Total risk-based capital ratio | 17.2161% | 2,958 |
Memoranda: | ||
Average total assets | $257,103,000 | 2,480 |
Average earning assets | $227,023,000 | 2,562 |
Average equity | $27,934,670 | 2,317 |
Average total loans | $160,664,000 | 2,528 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9719% | 3,239 |
Cost of funding earning assets | 0.8208% | 5,460 |
Net interest margin | 4.1512% | 2,077 |
Noninterest income to average assets | 0.5266% | 3,678 |
Noninterest expense to average assets | 3.6616% | 1,623 |
Loan and lease loss provision to assets | 0.2323% | 3,325 |
Net operating income to assets | 0.1903% | 5,813 |
Return on assets (ROA) | 0.1983% | 5,848 |
Pretax return on assets | 0.3191% | 5,601 |
Return on Equity (ROE) | 1.8504% | 5,843 |
Retained earnings to average equity (ytd only) | 1.8504% | 5,005 |
Net charge-offs to loans | 0.6073% | 1,981 |
Credit loss provision to net charge-offs | 60.7287% | 3,533 |
Earnings coverage of net charge-offs (x) | 1.4089% | 3,646 |
Efficiency ratio | 82.3746% | 2,171 |
Assets per employee ($millions) | 4.5099% | 2,870 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.6452% | 1,264 |
Loan loss allowance to noncurrent loans | 40.8124% | 5,575 |
Noncurrent assets plus other real estate owned to assets | 4.4030% | 1,481 |
Noncurrent loans to loans | 6.4814% | 923 |
Net loans and leases to total assets | 61.7885% | 3,900 |
Net loans and leases to deposits | 69.8338% | 4,367 |
Net loans and leases to core deposits | 88.1131% | 2,584 |
Total domestic deposits to total assets | 88.4793% | 2,093 |
Equity capital to assets | 10.9826% | 2,707 |
Core capital (leverage) ratio | 10.8139% | 2,342 |
Tier 1 risk-based capital ratio | 15.4886% | 3,167 |
Total risk-based capital ratio | 16.7537% | 3,110 |
Memoranda: | ||
Average total assets | $258,246,000 | 2,489 |
Average earning assets | $228,563,000 | 2,559 |
Average equity | $27,669,000 | 2,324 |
Average total loans | $162,676,000 | 2,526 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3092% | 3,085 |
Cost of funding earning assets | 1.0625% | 5,352 |
Net interest margin | 4.2467% | 2,011 |
Noninterest income to average assets | 0.6350% | 3,248 |
Noninterest expense to average assets | 3.3275% | 2,649 |
Loan and lease loss provision to assets | 0.2112% | 5,142 |
Net operating income to assets | 0.5467% | 3,899 |
Return on assets (ROA) | 0.5606% | 4,002 |
Pretax return on assets | 0.8721% | 3,400 |
Return on Equity (ROE) | 5.6474% | 3,762 |
Retained earnings to average equity (ytd only) | 5.6474% | 2,018 |
Net charge-offs to loans | 0.1979% | 5,105 |
Credit loss provision to net charge-offs | 153.5433% | 2,316 |
Earnings coverage of net charge-offs (x) | 7.7192% | 2,076 |
Efficiency ratio | 74.8088% | 3,235 |
Assets per employee ($millions) | 4.3990% | 3,030 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.6281% | 1,259 |
Loan loss allowance to noncurrent loans | 47.2652% | 5,155 |
Noncurrent assets plus other real estate owned to assets | 3.7589% | 1,826 |
Noncurrent loans to loans | 5.5603% | 1,177 |
Net loans and leases to total assets | 60.8948% | 4,511 |
Net loans and leases to deposits | 68.3798% | 5,053 |
Net loans and leases to core deposits | 88.8351% | 2,925 |
Total domestic deposits to total assets | 89.0538% | 1,620 |
Equity capital to assets | 10.4574% | 3,201 |
Core capital (leverage) ratio | 10.0603% | 3,018 |
Tier 1 risk-based capital ratio | 14.8673% | 3,322 |
Total risk-based capital ratio | 16.1320% | 3,274 |
Memoranda: | ||
Average total assets | $277,022,400 | 2,309 |
Average earning assets | $244,895,000 | 2,381 |
Average equity | $27,499,200 | 2,342 |
Average total loans | $192,568,800 | 2,224 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.4195% | 2,794 |
Cost of funding earning assets | 1.1157% | 5,343 |
Net interest margin | 4.3039% | 1,839 |
Noninterest income to average assets | 0.6759% | 2,973 |
Noninterest expense to average assets | 3.3317% | 2,477 |
Loan and lease loss provision to assets | 0.1903% | 5,142 |
Net operating income to assets | 0.6193% | 3,796 |
Return on assets (ROA) | 0.6193% | 3,962 |
Pretax return on assets | 0.9561% | 3,345 |
Return on Equity (ROE) | 6.3186% | 3,672 |
Retained earnings to average equity (ytd only) | 6.3186% | 2,192 |
Net charge-offs to loans | 0.1157% | 5,384 |
Credit loss provision to net charge-offs | 231.2139% | 1,481 |
Earnings coverage of net charge-offs (x) | 13.9307% | 1,552 |
Efficiency ratio | 73.4226% | 3,430 |
Assets per employee ($millions) | 4.9223% | 2,286 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0856% | 2,037 |
Loan loss allowance to noncurrent loans | 1,141.6230% | 327 |
Noncurrent assets plus other real estate owned to assets | 0.7990% | 5,500 |
Noncurrent loans to loans | 0.1827% | 6,821 |
Net loans and leases to total assets | 71.7148% | 2,313 |
Net loans and leases to deposits | 85.3156% | 2,462 |
Net loans and leases to core deposits | 113.0477% | 884 |
Total domestic deposits to total assets | 84.0583% | 4,100 |
Equity capital to assets | 9.8951% | 4,297 |
Core capital (leverage) ratio | 9.8727% | 3,397 |
Tier 1 risk-based capital ratio | 12.6946% | 4,816 |
Total risk-based capital ratio | 13.9565% | 4,788 |
Memoranda: | ||
Average total assets | $280,293,750 | 2,313 |
Average earning assets | $247,616,000 | 2,398 |
Average equity | $27,473,750 | 2,380 |
Average total loans | $199,445,500 | 2,191 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3540% | 3,197 |
Cost of funding earning assets | 1.1984% | 5,139 |
Net interest margin | 4.1556% | 2,314 |
Noninterest income to average assets | 0.7438% | 2,436 |
Noninterest expense to average assets | 3.3149% | 2,516 |
Loan and lease loss provision to assets | 0.1436% | 5,464 |
Net operating income to assets | 0.6182% | 3,791 |
Return on assets (ROA) | 0.6182% | 3,925 |
Pretax return on assets | 0.9427% | 3,336 |
Return on Equity (ROE) | 6.3274% | 3,634 |
Retained earnings to average equity (ytd only) | 6.3274% | 2,154 |
Net charge-offs to loans | 0.1621% | 4,648 |
Credit loss provision to net charge-offs | 125.7862% | 3,205 |
Earnings coverage of net charge-offs (x) | 9.5157% | 2,012 |
Efficiency ratio | 74.3230% | 3,408 |
Assets per employee ($millions) | 4.6350% | 2,672 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0484% | 2,071 |
Loan loss allowance to noncurrent loans | 225.0674% | 1,249 |
Noncurrent assets plus other real estate owned to assets | 1.1138% | 4,903 |
Noncurrent loans to loans | 0.9101% | 5,458 |
Net loans and leases to total assets | 73.0052% | 2,170 |
Net loans and leases to deposits | 81.9352% | 3,284 |
Net loans and leases to core deposits | 105.7980% | 1,468 |
Total domestic deposits to total assets | 89.1011% | 1,377 |
Equity capital to assets | 10.1321% | 3,852 |
Core capital (leverage) ratio | 9.8553% | 3,334 |
Tier 1 risk-based capital ratio | 12.8725% | 4,550 |
Total risk-based capital ratio | 14.1328% | 4,495 |
Memoranda: | ||
Average total assets | $278,559,670 | 2,341 |
Average earning assets | $245,161,670 | 2,439 |
Average equity | $27,215,000 | 2,397 |
Average total loans | $196,226,000 | 2,252 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3547% | 3,274 |
Cost of funding earning assets | 1.2917% | 4,863 |
Net interest margin | 4.0631% | 2,598 |
Noninterest income to average assets | 0.8025% | 2,006 |
Noninterest expense to average assets | 3.3382% | 2,401 |
Loan and lease loss provision to assets | 0.1423% | 5,127 |
Net operating income to assets | 0.5848% | 3,963 |
Return on assets (ROA) | 0.5848% | 4,108 |
Pretax return on assets | 0.8893% | 3,510 |
Return on Equity (ROE) | 6.0960% | 3,829 |
Retained earnings to average equity (ytd only) | 6.0960% | 2,578 |
Net charge-offs to loans | 0.0104% | 5,444 |
Credit loss provision to net charge-offs | 2,000.0000% | 254 |
Earnings coverage of net charge-offs (x) | 145.0000% | 227 |
Efficiency ratio | 75.4152% | 3,326 |
Assets per employee ($millions) | 4.6699% | 2,688 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.3173% | 1,550 |
Loan loss allowance to noncurrent loans | 135.2095% | 2,066 |
Noncurrent assets plus other real estate owned to assets | 2.4961% | 2,911 |
Noncurrent loans to loans | 1.7139% | 4,173 |
Net loans and leases to total assets | 63.6077% | 4,405 |
Net loans and leases to deposits | 70.9822% | 5,204 |
Net loans and leases to core deposits | 97.4120% | 2,403 |
Total domestic deposits to total assets | 89.6108% | 1,177 |
Equity capital to assets | 9.7118% | 4,212 |
Core capital (leverage) ratio | 9.2096% | 4,207 |
Tier 1 risk-based capital ratio | 13.0257% | 4,313 |
Total risk-based capital ratio | 14.2871% | 4,280 |
Memoranda: | ||
Average total assets | $281,106,000 | 2,386 |
Average earning assets | $246,809,500 | 2,482 |
Average equity | $26,968,500 | 2,439 |
Average total loans | $192,429,000 | 2,347 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.7414% | 2,902 |
Cost of funding earning assets | 1.4713% | 5,630 |
Net interest margin | 4.2702% | 1,816 |
Noninterest income to average assets | 0.7033% | 2,946 |
Noninterest expense to average assets | 4.3331% | 952 |
Loan and lease loss provision to assets | 2.5043% | 793 |
Net operating income to assets | -1.7761% | 7,007 |
Return on assets (ROA) | -1.7761% | 7,002 |
Pretax return on assets | -2.3799% | 7,102 |
Return on Equity (ROE) | -16.0382% | 6,991 |
Retained earnings to average equity (ytd only) | -16.0382% | 6,939 |
Net charge-offs to loans | 2.5103% | 920 |
Credit loss provision to net charge-offs | 128.2128% | 4,025 |
Earnings coverage of net charge-offs (x) | 0.0637% | 6,102 |
Efficiency ratio | 77.6473% | 3,251 |
Assets per employee ($millions) | 4.7003% | 2,614 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0419% | 1,936 |
Loan loss allowance to noncurrent loans | 72.3311% | 3,794 |
Noncurrent assets plus other real estate owned to assets | 2.0594% | 3,320 |
Noncurrent loans to loans | 2.8231% | 2,732 |
Net loans and leases to total assets | 70.3047% | 3,183 |
Net loans and leases to deposits | 78.1158% | 4,345 |
Net loans and leases to core deposits | 90.8600% | 5,040 |
Total domestic deposits to total assets | 90.0006% | 959 |
Equity capital to assets | 9.4763% | 4,445 |
Core capital (leverage) ratio | 9.2687% | 4,027 |
Tier 1 risk-based capital ratio | 12.4374% | 4,568 |
Total risk-based capital ratio | 13.7022% | 4,510 |
Memoranda: | ||
Average total assets | $273,292,800 | 2,395 |
Average earning assets | $240,270,600 | 2,498 |
Average equity | $30,265,200 | 2,212 |
Average total loans | $212,640,600 | 2,166 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.8058% | 2,862 |
Cost of funding earning assets | 1.5270% | 5,724 |
Net interest margin | 4.2788% | 1,785 |
Noninterest income to average assets | 0.6939% | 3,058 |
Noninterest expense to average assets | 3.2660% | 3,050 |
Loan and lease loss provision to assets | 0.9836% | 1,948 |
Net operating income to assets | 0.1249% | 5,392 |
Return on assets (ROA) | 0.1249% | 5,457 |
Pretax return on assets | 0.1928% | 5,318 |
Return on Equity (ROE) | 1.0872% | 5,467 |
Retained earnings to average equity (ytd only) | 1.0872% | 4,712 |
Net charge-offs to loans | 0.9232% | 2,124 |
Credit loss provision to net charge-offs | 134.2282% | 3,714 |
Earnings coverage of net charge-offs (x) | 1.6054% | 4,597 |
Efficiency ratio | 72.6558% | 4,115 |
Assets per employee ($millions) | 4.8462% | 2,336 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5012% | 3,429 |
Loan loss allowance to noncurrent loans | 36.0119% | 6,003 |
Noncurrent assets plus other real estate owned to assets | 3.4678% | 1,925 |
Noncurrent loans to loans | 4.1685% | 1,739 |
Net loans and leases to total assets | 75.8462% | 2,019 |
Net loans and leases to deposits | 86.5610% | 3,212 |
Net loans and leases to core deposits | 100.1197% | 4,360 |
Total domestic deposits to total assets | 87.6217% | 1,839 |
Equity capital to assets | 11.7442% | 2,399 |
Core capital (leverage) ratio | 10.6933% | 2,640 |
Tier 1 risk-based capital ratio | 13.7899% | 3,670 |
Total risk-based capital ratio | 15.0128% | 3,631 |
Memoranda: | ||
Average total assets | $271,111,500 | 2,414 |
Average earning assets | $237,504,250 | 2,546 |
Average equity | $31,150,250 | 2,174 |
Average total loans | $215,199,500 | 2,172 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.7860% | 3,119 |
Cost of funding earning assets | 1.5817% | 5,805 |
Net interest margin | 4.2043% | 1,983 |
Noninterest income to average assets | 0.6376% | 3,427 |
Noninterest expense to average assets | 3.3673% | 2,734 |
Loan and lease loss provision to assets | 0.8117% | 2,063 |
Net operating income to assets | 0.0981% | 5,571 |
Return on assets (ROA) | 0.0981% | 5,664 |
Pretax return on assets | 0.1424% | 5,578 |
Return on Equity (ROE) | 0.8606% | 5,673 |
Retained earnings to average equity (ytd only) | 0.8606% | 4,839 |
Net charge-offs to loans | 0.7180% | 2,261 |
Credit loss provision to net charge-offs | 141.0256% | 3,307 |
Earnings coverage of net charge-offs (x) | 1.6577% | 4,300 |
Efficiency ratio | 77.0321% | 3,510 |
Assets per employee ($millions) | 4.7860% | 2,345 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3629% | 3,921 |
Loan loss allowance to noncurrent loans | 33.9712% | 6,194 |
Noncurrent assets plus other real estate owned to assets | 3.4365% | 1,816 |
Noncurrent loans to loans | 4.0118% | 1,687 |
Net loans and leases to total assets | 78.1840% | 1,704 |
Net loans and leases to deposits | 89.1326% | 2,969 |
Net loans and leases to core deposits | 96.3139% | 4,867 |
Total domestic deposits to total assets | 87.7165% | 1,921 |
Equity capital to assets | 11.6252% | 2,449 |
Core capital (leverage) ratio | 10.3683% | 2,933 |
Tier 1 risk-based capital ratio | 13.6163% | 3,747 |
Total risk-based capital ratio | 14.8688% | 3,670 |
Memoranda: | ||
Average total assets | $271,020,000 | 2,438 |
Average earning assets | $237,471,000 | 2,548 |
Average equity | $30,909,670 | 2,191 |
Average total loans | $217,275,000 | 2,179 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.6070% | 4,311 |
Cost of funding earning assets | 1.6187% | 5,951 |
Net interest margin | 3.9883% | 2,691 |
Noninterest income to average assets | 0.6234% | 3,394 |
Noninterest expense to average assets | 3.3821% | 2,410 |
Loan and lease loss provision to assets | 1.3623% | 941 |
Net operating income to assets | -0.3791% | 6,762 |
Return on assets (ROA) | -0.3791% | 6,841 |
Pretax return on assets | -0.6293% | 6,924 |
Return on Equity (ROE) | -3.3566% | 6,816 |
Retained earnings to average equity (ytd only) | -3.3566% | 6,336 |
Net charge-offs to loans | 1.5078% | 959 |
Credit loss provision to net charge-offs | 112.0585% | 3,455 |
Earnings coverage of net charge-offs (x) | 0.6029% | 4,514 |
Efficiency ratio | 81.2522% | 2,647 |
Assets per employee ($millions) | 4.5737% | 2,604 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1959% | 4,837 |
Loan loss allowance to noncurrent loans | 32.2604% | 6,393 |
Noncurrent assets plus other real estate owned to assets | 3.1279% | 1,793 |
Noncurrent loans to loans | 3.7071% | 1,681 |
Net loans and leases to total assets | 78.1613% | 1,782 |
Net loans and leases to deposits | 102.2723% | 1,149 |
Net loans and leases to core deposits | 109.1500% | 3,548 |
Total domestic deposits to total assets | 76.4247% | 6,426 |
Equity capital to assets | 10.8966% | 3,077 |
Core capital (leverage) ratio | 10.9477% | 2,544 |
Tier 1 risk-based capital ratio | 12.9380% | 4,219 |
Total risk-based capital ratio | 14.1882% | 4,150 |
Memoranda: | ||
Average total assets | $270,128,000 | 2,460 |
Average earning assets | $236,489,000 | 2,567 |
Average equity | $30,507,500 | 2,230 |
Average total loans | $217,794,500 | 2,193 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.8541% | 1,525 |
Cost of funding earning assets | 2.0547% | 6,217 |
Net interest margin | 4.7994% | 781 |
Noninterest income to average assets | 0.6127% | 3,760 |
Noninterest expense to average assets | 3.4367% | 2,563 |
Loan and lease loss provision to assets | 1.0855% | 1,338 |
Net operating income to assets | 0.1410% | 6,001 |
Return on assets (ROA) | 0.1415% | 5,827 |
Pretax return on assets | 0.2223% | 5,681 |
Return on Equity (ROE) | 1.1657% | 5,870 |
Retained earnings to average equity (ytd only) | -2.8082% | 6,058 |
Net charge-offs to loans | 0.9934% | 1,248 |
Credit loss provision to net charge-offs | 137.1951% | 3,882 |
Earnings coverage of net charge-offs (x) | 1.6519% | 5,259 |
Efficiency ratio | 69.8788% | 4,377 |
Assets per employee ($millions) | 4.0663% | 3,380 |
Cash dividends to net income (ytd only)* | 340.9091% | 161 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2651% | 4,019 |
Loan loss allowance to noncurrent loans | 61.5944% | 4,923 |
Noncurrent assets plus other real estate owned to assets | 1.9646% | 2,504 |
Noncurrent loans to loans | 2.0540% | 2,691 |
Net loans and leases to total assets | 81.3205% | 1,353 |
Net loans and leases to deposits | 96.6970% | 2,336 |
Net loans and leases to core deposits | 104.1663% | 4,377 |
Total domestic deposits to total assets | 84.0983% | 3,277 |
Equity capital to assets | 11.7476% | 2,470 |
Core capital (leverage) ratio | 10.7900% | 2,753 |
Tier 1 risk-based capital ratio | 12.4866% | 4,448 |
Total risk-based capital ratio | 13.7367% | 4,350 |
Memoranda: | ||
Average total assets | $248,723,400 | 2,571 |
Average earning assets | $214,091,200 | 2,721 |
Average equity | $30,197,600 | 2,249 |
Average total loans | $198,111,200 | 2,317 |