Home > Lake County Bank > Performance and Condition Ratios
Lake County Bank, Performance and Condition Ratios
2015-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9048% | 3,584 |
Cost of funding earning assets | 0.4418% | 2,862 |
Net interest margin | 3.4630% | 3,569 |
Noninterest income to average assets | 0.5429% | 3,007 |
Noninterest expense to average assets | 3.3966% | 1,494 |
Loan and lease loss provision to assets | 0.0000% | 3,703 |
Net operating income to assets | 0.2147% | 5,650 |
Return on assets (ROA) | 0.2147% | 5,740 |
Pretax return on assets | 0.2147% | 5,808 |
Return on Equity (ROE) | 1.9828% | 5,692 |
Retained earnings to average equity (ytd only) | 1.9828% | 4,681 |
Net charge-offs to loans | 2.2622% | 75 |
Credit loss provision to net charge-offs | 0.0000% | 2,491 |
Earnings coverage of net charge-offs (x) | 0.2576% | 3,080 |
Efficiency ratio | 94.0559% | 594 |
Assets per employee ($millions) | 2.6343% | 6,016 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
Condition Ratios (%) | ||
Loss allowance to loans | 4.9644% | 68 |
Loan loss allowance to noncurrent loans | 175.1515% | 2,468 |
Noncurrent assets plus other real estate owned to assets | 3.8593% | 398 |
Noncurrent loans to loans | 2.8343% | 804 |
Net loans and leases to total assets | 35.0025% | 5,876 |
Net loans and leases to deposits | 39.3324% | 5,939 |
Net loans and leases to core deposits | 39.9098% | 5,978 |
Total domestic deposits to total assets | 88.9915% | 1,277 |
Equity capital to assets | 10.8756% | 3,114 |
Core capital (leverage) ratio | 9.8850% | 3,774 |
Tier 1 risk-based capital ratio | 18.4808% | 2,008 |
Total risk-based capital ratio | 19.7547% | 1,954 |
Memoranda: | ||
Average total assets | $31,679,000 | 6,146 |
Average earning assets | $28,068,000 | 6,145 |
Average equity | $3,429,500 | 6,135 |
Average total loans | $11,670,000 | 6,182 |
2014-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5204% | 1,791 |
Cost of funding earning assets | 0.5245% | 2,441 |
Net interest margin | 3.9960% | 1,911 |
Noninterest income to average assets | 0.5927% | 2,900 |
Noninterest expense to average assets | 4.6422% | 409 |
Loan and lease loss provision to assets | 0.0000% | 4,603 |
Net operating income to assets | -0.5430% | 6,307 |
Return on assets (ROA) | -0.5430% | 6,307 |
Pretax return on assets | -0.5430% | 6,298 |
Return on Equity (ROE) | -4.6491% | 6,282 |
Retained earnings to average equity (ytd only) | -4.6491% | 6,166 |
Net charge-offs to loans | 2.0702% | 91 |
Credit loss provision to net charge-offs | 0.0000% | 4,203 |
Earnings coverage of net charge-offs (x) | -0.5899% | 4,772 |
Efficiency ratio | 113.2472% | 176 |
Assets per employee ($millions) | 2.2676% | 6,285 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
Condition Ratios (%) | ||
Loss allowance to loans | 5.5057% | 52 |
Loan loss allowance to noncurrent loans | 190.5325% | 2,332 |
Noncurrent assets plus other real estate owned to assets | 4.2273% | 383 |
Noncurrent loans to loans | 2.8896% | 793 |
Net loans and leases to total assets | 34.8170% | 6,001 |
Net loans and leases to deposits | 39.0855% | 6,061 |
Net loans and leases to core deposits | 39.6606% | 6,103 |
Total domestic deposits to total assets | 89.0789% | 1,192 |
Equity capital to assets | 10.7762% | 3,150 |
Core capital (leverage) ratio | 9.8586% | 3,763 |
Tier 1 risk-based capital ratio | 18.8377% | 1,896 |
Total risk-based capital ratio | 20.1190% | 1,848 |
Memoranda: | ||
Average total assets | $30,201,200 | 6,247 |
Average earning assets | $26,501,800 | 6,252 |
Average equity | $3,527,600 | 6,177 |
Average total loans | $13,428,800 | 6,216 |
2014-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7243% | 1,255 |
Cost of funding earning assets | 0.5374% | 2,394 |
Net interest margin | 4.1868% | 1,323 |
Noninterest income to average assets | 0.6126% | 2,788 |
Noninterest expense to average assets | 4.6642% | 398 |
Loan and lease loss provision to assets | 0.0000% | 4,401 |
Net operating income to assets | -0.3935% | 6,343 |
Return on assets (ROA) | -0.3935% | 6,342 |
Pretax return on assets | -0.3935% | 6,326 |
Return on Equity (ROE) | -3.3011% | 6,324 |
Retained earnings to average equity (ytd only) | -3.3011% | 6,163 |
Net charge-offs to loans | 1.2216% | 221 |
Credit loss provision to net charge-offs | 0.0000% | 3,801 |
Earnings coverage of net charge-offs (x) | -0.6929% | 4,514 |
Efficiency ratio | 109.2147% | 226 |
Assets per employee ($millions) | 2.1945% | 6,383 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
Condition Ratios (%) | ||
Loss allowance to loans | 6.3382% | 41 |
Loan loss allowance to noncurrent loans | 92.0139% | 3,867 |
Noncurrent assets plus other real estate owned to assets | 5.2274% | 310 |
Noncurrent loans to loans | 6.8883% | 174 |
Net loans and leases to total assets | 38.2385% | 5,930 |
Net loans and leases to deposits | 43.2643% | 6,011 |
Net loans and leases to core deposits | 43.9309% | 6,041 |
Total domestic deposits to total assets | 88.3833% | 1,563 |
Equity capital to assets | 11.3824% | 2,604 |
Core capital (leverage) ratio | 11.5341% | 2,040 |
Tier 1 risk-based capital ratio | 19.0596% | 1,893 |
Total risk-based capital ratio | 20.3550% | 1,845 |
Memoranda: | ||
Average total assets | $29,815,000 | 6,328 |
Average earning assets | $26,049,250 | 6,337 |
Average equity | $3,554,250 | 6,236 |
Average total loans | $13,861,750 | 6,266 |
2014-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8523% | 985 |
Cost of funding earning assets | 0.5391% | 2,443 |
Net interest margin | 4.3132% | 999 |
Noninterest income to average assets | 0.6167% | 2,726 |
Noninterest expense to average assets | 4.4388% | 476 |
Loan and lease loss provision to assets | 0.0000% | 4,196 |
Net operating income to assets | -0.0813% | 6,245 |
Return on assets (ROA) | -0.0813% | 6,260 |
Pretax return on assets | -0.0813% | 6,243 |
Return on Equity (ROE) | -0.6716% | 6,255 |
Retained earnings to average equity (ytd only) | -0.6716% | 5,808 |
Net charge-offs to loans | 2.0418% | 110 |
Credit loss provision to net charge-offs | 0.0000% | 3,401 |
Earnings coverage of net charge-offs (x) | -0.0822% | 4,138 |
Efficiency ratio | 101.8663% | 355 |
Assets per employee ($millions) | 2.1019% | 6,473 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
Condition Ratios (%) | ||
Loss allowance to loans | 5.5884% | 63 |
Loan loss allowance to noncurrent loans | 121.0608% | 3,180 |
Noncurrent assets plus other real estate owned to assets | 5.6820% | 287 |
Noncurrent loans to loans | 4.6162% | 463 |
Net loans and leases to total assets | 44.5524% | 5,491 |
Net loans and leases to deposits | 50.8337% | 5,572 |
Net loans and leases to core deposits | 51.6426% | 5,683 |
Total domestic deposits to total assets | 87.6436% | 2,118 |
Equity capital to assets | 12.1423% | 1,888 |
Core capital (leverage) ratio | 11.0357% | 2,387 |
Tier 1 risk-based capital ratio | 18.1484% | 2,188 |
Total risk-based capital ratio | 19.4367% | 2,142 |
Memoranda: | ||
Average total assets | $29,512,330 | 6,391 |
Average earning assets | $25,596,000 | 6,404 |
Average equity | $3,573,330 | 6,289 |
Average total loans | $14,301,330 | 6,308 |
2014-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5767% | 1,565 |
Cost of funding earning assets | 0.5467% | 2,449 |
Net interest margin | 4.0300% | 1,659 |
Noninterest income to average assets | 0.6361% | 2,540 |
Noninterest expense to average assets | 4.4391% | 484 |
Loan and lease loss provision to assets | 0.0000% | 3,817 |
Net operating income to assets | -0.3113% | 6,405 |
Return on assets (ROA) | -0.3113% | 6,406 |
Pretax return on assets | -0.3113% | 6,396 |
Return on Equity (ROE) | -2.5745% | 6,384 |
Retained earnings to average equity (ytd only) | -2.5745% | 5,917 |
Net charge-offs to loans | 3.1980% | 57 |
Credit loss provision to net charge-offs | 0.0000% | 2,688 |
Earnings coverage of net charge-offs (x) | -0.1983% | 3,449 |
Efficiency ratio | 107.5410% | 303 |
Assets per employee ($millions) | 2.1154% | 6,540 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
Condition Ratios (%) | ||
Loss allowance to loans | 5.5070% | 73 |
Loan loss allowance to noncurrent loans | 70.2091% | 4,490 |
Noncurrent assets plus other real estate owned to assets | 7.8910% | 172 |
Noncurrent loans to loans | 7.8437% | 175 |
Net loans and leases to total assets | 46.6977% | 5,255 |
Net loans and leases to deposits | 53.1923% | 5,362 |
Net loans and leases to core deposits | 54.0129% | 5,499 |
Total domestic deposits to total assets | 87.7904% | 2,352 |
Equity capital to assets | 12.0273% | 1,851 |
Core capital (leverage) ratio | 11.0085% | 2,384 |
Tier 1 risk-based capital ratio | 17.3720% | 2,526 |
Total risk-based capital ratio | 18.6576% | 2,480 |
Memoranda: | ||
Average total assets | $29,555,500 | 6,458 |
Average earning assets | $25,608,000 | 6,467 |
Average equity | $3,573,500 | 6,333 |
Average total loans | $14,509,000 | 6,363 |
2013-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0343% | 858 |
Cost of funding earning assets | 0.6201% | 2,480 |
Net interest margin | 4.4142% | 890 |
Noninterest income to average assets | 0.8807% | 1,749 |
Noninterest expense to average assets | 4.5567% | 499 |
Loan and lease loss provision to assets | 0.0000% | 5,091 |
Net operating income to assets | 0.1234% | 5,993 |
Return on assets (ROA) | 0.1234% | 6,056 |
Pretax return on assets | 0.1234% | 6,060 |
Return on Equity (ROE) | 1.0300% | 6,074 |
Retained earnings to average equity (ytd only) | 1.0300% | 5,377 |
Net charge-offs to loans | 0.4079% | 1,653 |
Credit loss provision to net charge-offs | 0.0000% | 4,707 |
Earnings coverage of net charge-offs (x) | 0.6271% | 4,872 |
Efficiency ratio | 97.3628% | 571 |
Assets per employee ($millions) | 2.1068% | 6,606 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
Condition Ratios (%) | ||
Loss allowance to loans | 6.4108% | 35 |
Loan loss allowance to noncurrent loans | 89.0821% | 3,902 |
Noncurrent assets plus other real estate owned to assets | 7.5979% | 210 |
Noncurrent loans to loans | 7.1965% | 226 |
Net loans and leases to total assets | 45.6349% | 5,525 |
Net loans and leases to deposits | 52.0656% | 5,618 |
Net loans and leases to core deposits | 52.9213% | 5,736 |
Total domestic deposits to total assets | 87.6488% | 2,393 |
Equity capital to assets | 12.1546% | 1,711 |
Core capital (leverage) ratio | 10.8347% | 2,542 |
Tier 1 risk-based capital ratio | 17.4205% | 2,446 |
Total risk-based capital ratio | 18.7167% | 2,404 |
Memoranda: | ||
Average total assets | $29,977,600 | 6,513 |
Average earning assets | $25,802,800 | 6,531 |
Average equity | $3,592,400 | 6,419 |
Average total loans | $14,465,400 | 6,438 |
2013-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9677% | 1,000 |
Cost of funding earning assets | 0.6339% | 2,510 |
Net interest margin | 4.3339% | 1,023 |
Noninterest income to average assets | 0.9214% | 1,686 |
Noninterest expense to average assets | 4.6115% | 464 |
Loan and lease loss provision to assets | 0.0000% | 4,941 |
Net operating income to assets | 0.0355% | 6,244 |
Return on assets (ROA) | 0.0355% | 6,297 |
Pretax return on assets | 0.0355% | 6,278 |
Return on Equity (ROE) | 0.2969% | 6,308 |
Retained earnings to average equity (ytd only) | 0.2969% | 5,849 |
Net charge-offs to loans | 0.1841% | 2,756 |
Credit loss provision to net charge-offs | 0.0000% | 4,342 |
Earnings coverage of net charge-offs (x) | 0.4001% | 4,728 |
Efficiency ratio | 99.2374% | 490 |
Assets per employee ($millions) | 2.1644% | 6,654 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
Condition Ratios (%) | ||
Loss allowance to loans | 6.4058% | 37 |
Loan loss allowance to noncurrent loans | 90.7460% | 3,722 |
Noncurrent assets plus other real estate owned to assets | 7.6301% | 250 |
Noncurrent loans to loans | 7.0591% | 293 |
Net loans and leases to total assets | 46.3384% | 5,511 |
Net loans and leases to deposits | 52.7817% | 5,648 |
Net loans and leases to core deposits | 53.6080% | 5,795 |
Total domestic deposits to total assets | 87.7925% | 2,253 |
Equity capital to assets | 11.8841% | 1,993 |
Core capital (leverage) ratio | 11.3095% | 2,191 |
Tier 1 risk-based capital ratio | 16.7642% | 2,832 |
Total risk-based capital ratio | 18.0594% | 2,753 |
Memoranda: | ||
Average total assets | $30,098,250 | 6,585 |
Average earning assets | $25,873,000 | 6,606 |
Average equity | $3,594,250 | 6,497 |
Average total loans | $14,486,250 | 6,507 |
2013-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8597% | 1,193 |
Cost of funding earning assets | 0.6511% | 2,480 |
Net interest margin | 4.2086% | 1,257 |
Noninterest income to average assets | 1.0190% | 1,474 |
Noninterest expense to average assets | 4.8617% | 396 |
Loan and lease loss provision to assets | 0.0000% | 4,788 |
Net operating income to assets | -0.2264% | 6,505 |
Return on assets (ROA) | -0.2264% | 6,536 |
Pretax return on assets | -0.2264% | 6,511 |
Return on Equity (ROE) | -1.8931% | 6,521 |
Retained earnings to average equity (ytd only) | -1.8931% | 6,181 |
Net charge-offs to loans | -0.2096% | 6,677 |
Credit loss provision to net charge-offs | 0.0000% | 4,003 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 104.8851% | 370 |
Assets per employee ($millions) | 1.9217% | 6,772 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
Condition Ratios (%) | ||
Loss allowance to loans | 6.5440% | 37 |
Loan loss allowance to noncurrent loans | 86.7596% | 3,818 |
Noncurrent assets plus other real estate owned to assets | 8.3293% | 229 |
Noncurrent loans to loans | 7.5427% | 290 |
Net loans and leases to total assets | 49.3443% | 5,180 |
Net loans and leases to deposits | 56.4669% | 5,289 |
Net loans and leases to core deposits | 57.4058% | 5,475 |
Total domestic deposits to total assets | 87.3864% | 2,599 |
Equity capital to assets | 12.3500% | 1,676 |
Core capital (leverage) ratio | 10.9798% | 2,375 |
Tier 1 risk-based capital ratio | 16.8610% | 2,765 |
Total risk-based capital ratio | 18.1593% | 2,718 |
Memoranda: | ||
Average total assets | $30,030,670 | 6,634 |
Average earning assets | $25,804,000 | 6,660 |
Average equity | $3,592,000 | 6,541 |
Average total loans | $14,314,330 | 6,555 |
2013-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4724% | 2,268 |
Cost of funding earning assets | 0.6475% | 2,683 |
Net interest margin | 3.8249% | 2,359 |
Noninterest income to average assets | 1.2405% | 997 |
Noninterest expense to average assets | 4.1916% | 722 |
Loan and lease loss provision to assets | 0.0000% | 4,409 |
Net operating income to assets | 0.3656% | 5,279 |
Return on assets (ROA) | 0.3656% | 5,414 |
Pretax return on assets | 0.3656% | 5,657 |
Return on Equity (ROE) | 3.1042% | 5,546 |
Retained earnings to average equity (ytd only) | 3.1042% | 4,416 |
Net charge-offs to loans | -0.2886% | 6,769 |
Credit loss provision to net charge-offs | 0.0000% | 3,239 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 91.9771% | 986 |
Assets per employee ($millions) | 2.0159% | 6,833 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
Condition Ratios (%) | ||
Loss allowance to loans | 6.8982% | 41 |
Loan loss allowance to noncurrent loans | 72.3358% | 4,243 |
Noncurrent assets plus other real estate owned to assets | 9.0019% | 247 |
Noncurrent loans to loans | 9.5364% | 236 |
Net loans and leases to total assets | 44.2324% | 5,634 |
Net loans and leases to deposits | 50.3823% | 5,761 |
Net loans and leases to core deposits | 51.1609% | 5,882 |
Total domestic deposits to total assets | 87.7935% | 2,462 |
Equity capital to assets | 11.9783% | 2,061 |
Core capital (leverage) ratio | 10.8632% | 2,385 |
Tier 1 risk-based capital ratio | 17.3522% | 2,625 |
Total risk-based capital ratio | 18.6521% | 2,566 |
Memoranda: | ||
Average total assets | $30,633,000 | 6,691 |
Average earning assets | $26,563,000 | 6,707 |
Average equity | $3,608,000 | 6,608 |
Average total loans | $13,861,500 | 6,629 |
2012-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3873% | 777 |
Cost of funding earning assets | 0.7765% | 2,859 |
Net interest margin | 4.6108% | 768 |
Noninterest income to average assets | 1.2126% | 1,067 |
Noninterest expense to average assets | 5.0055% | 376 |
Loan and lease loss provision to assets | 0.0000% | 5,905 |
Net operating income to assets | 0.0876% | 6,031 |
Return on assets (ROA) | -0.0707% | 6,362 |
Pretax return on assets | -0.0707% | 6,340 |
Return on Equity (ROE) | -0.5723% | 6,352 |
Retained earnings to average equity (ytd only) | -0.5723% | 5,949 |
Net charge-offs to loans | 0.7823% | 1,495 |
Credit loss provision to net charge-offs | 0.0000% | 5,483 |
Earnings coverage of net charge-offs (x) | 0.2261% | 5,366 |
Efficiency ratio | 98.2804% | 615 |
Assets per employee ($millions) | 1.9393% | 6,919 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
Condition Ratios (%) | ||
Loss allowance to loans | 7.3445% | 39 |
Loan loss allowance to noncurrent loans | 89.5890% | 3,613 |
Noncurrent assets plus other real estate owned to assets | 7.8864% | 359 |
Noncurrent loans to loans | 8.1979% | 347 |
Net loans and leases to total assets | 39.8866% | 6,176 |
Net loans and leases to deposits | 45.2488% | 6,287 |
Net loans and leases to core deposits | 45.9289% | 6,376 |
Total domestic deposits to total assets | 88.1494% | 2,131 |
Equity capital to assets | 11.5831% | 2,363 |
Core capital (leverage) ratio | 10.6165% | 2,640 |
Tier 1 risk-based capital ratio | 17.7936% | 2,340 |
Total risk-based capital ratio | 19.0941% | 2,291 |
Memoranda: | ||
Average total assets | $29,687,600 | 6,761 |
Average earning assets | $24,984,800 | 6,788 |
Average equity | $3,669,400 | 6,642 |
Average total loans | $14,701,000 | 6,677 |
2012-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.6903% | 470 |
Cost of funding earning assets | 0.7997% | 2,940 |
Net interest margin | 4.8907% | 481 |
Noninterest income to average assets | 1.3945% | 771 |
Noninterest expense to average assets | 4.7604% | 436 |
Loan and lease loss provision to assets | 0.0000% | 5,790 |
Net operating income to assets | 0.7177% | 3,837 |
Return on assets (ROA) | 0.7177% | 4,081 |
Pretax return on assets | 0.7177% | 4,800 |
Return on Equity (ROE) | 5.7117% | 4,482 |
Retained earnings to average equity (ytd only) | 5.7117% | 2,890 |
Net charge-offs to loans | 0.8246% | 1,327 |
Credit loss provision to net charge-offs | 0.0000% | 5,158 |
Earnings coverage of net charge-offs (x) | 1.6989% | 4,422 |
Efficiency ratio | 86.8988% | 1,313 |
Assets per employee ($millions) | 2.1704% | 6,933 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
Condition Ratios (%) | ||
Loss allowance to loans | 6.6336% | 49 |
Loan loss allowance to noncurrent loans | 192.8846% | 1,831 |
Noncurrent assets plus other real estate owned to assets | 6.3222% | 613 |
Noncurrent loans to loans | 3.4392% | 1,583 |
Net loans and leases to total assets | 46.4604% | 5,714 |
Net loans and leases to deposits | 53.2115% | 5,873 |
Net loans and leases to core deposits | 54.0198% | 6,045 |
Total domestic deposits to total assets | 87.3128% | 2,493 |
Equity capital to assets | 12.4173% | 1,951 |
Core capital (leverage) ratio | 11.8474% | 1,750 |
Tier 1 risk-based capital ratio | 17.5381% | 2,526 |
Total risk-based capital ratio | 18.8374% | 2,471 |
Memoranda: | ||
Average total assets | $29,352,500 | 6,855 |
Average earning assets | $24,508,750 | 6,888 |
Average equity | $3,688,250 | 6,725 |
Average total loans | $15,037,000 | 6,742 |
2012-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.8673% | 365 |
Cost of funding earning assets | 0.8204% | 3,026 |
Net interest margin | 5.0469% | 370 |
Noninterest income to average assets | 1.6202% | 564 |
Noninterest expense to average assets | 4.9641% | 390 |
Loan and lease loss provision to assets | 0.0000% | 5,619 |
Net operating income to assets | 0.8549% | 3,110 |
Return on assets (ROA) | 0.8549% | 3,382 |
Pretax return on assets | 0.8549% | 4,257 |
Return on Equity (ROE) | 6.7760% | 3,901 |
Retained earnings to average equity (ytd only) | 6.7760% | 2,233 |
Net charge-offs to loans | 0.4131% | 2,382 |
Credit loss provision to net charge-offs | 0.0000% | 4,809 |
Earnings coverage of net charge-offs (x) | 4.0000% | 3,202 |
Efficiency ratio | 85.3081% | 1,499 |
Assets per employee ($millions) | 2.0833% | 7,025 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
Condition Ratios (%) | ||
Loss allowance to loans | 6.9781% | 51 |
Loan loss allowance to noncurrent loans | 189.8396% | 1,797 |
Noncurrent assets plus other real estate owned to assets | 7.8619% | 441 |
Noncurrent loans to loans | 3.6758% | 1,552 |
Net loans and leases to total assets | 48.6765% | 5,541 |
Net loans and leases to deposits | 55.9797% | 5,645 |
Net loans and leases to core deposits | 56.8540% | 5,876 |
Total domestic deposits to total assets | 86.9540% | 2,796 |
Equity capital to assets | 12.8197% | 1,609 |
Core capital (leverage) ratio | 11.7082% | 1,782 |
Tier 1 risk-based capital ratio | 17.2169% | 2,579 |
Total risk-based capital ratio | 18.5210% | 2,523 |
Memoranda: | ||
Average total assets | $29,008,330 | 6,916 |
Average earning assets | $24,133,670 | 6,954 |
Average equity | $3,660,000 | 6,768 |
Average total loans | $15,009,330 | 6,799 |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.4928% | 766 |
Cost of funding earning assets | 0.7990% | 3,481 |
Net interest margin | 4.6938% | 689 |
Noninterest income to average assets | 0.9402% | 1,597 |
Noninterest expense to average assets | 4.6873% | 463 |
Loan and lease loss provision to assets | 0.0000% | 5,254 |
Net operating income to assets | 0.1521% | 6,113 |
Return on assets (ROA) | 0.1521% | 6,243 |
Pretax return on assets | 0.1521% | 6,289 |
Return on Equity (ROE) | 1.2153% | 6,306 |
Retained earnings to average equity (ytd only) | 1.2153% | 5,606 |
Net charge-offs to loans | 0.2956% | 2,479 |
Credit loss provision to net charge-offs | 0.0000% | 3,998 |
Earnings coverage of net charge-offs (x) | 1.0000% | 3,824 |
Efficiency ratio | 96.8571% | 683 |
Assets per employee ($millions) | 2.0157% | 7,114 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
Condition Ratios (%) | ||
Loss allowance to loans | 7.1490% | 48 |
Loan loss allowance to noncurrent loans | 80.3704% | 3,665 |
Noncurrent assets plus other real estate owned to assets | 11.7364% | 216 |
Noncurrent loans to loans | 8.8950% | 392 |
Net loans and leases to total assets | 49.9362% | 5,314 |
Net loans and leases to deposits | 57.4223% | 5,444 |
Net loans and leases to core deposits | 58.4052% | 5,679 |
Total domestic deposits to total assets | 86.9631% | 2,972 |
Equity capital to assets | 12.8490% | 1,514 |
Core capital (leverage) ratio | 11.2843% | 2,043 |
Tier 1 risk-based capital ratio | 16.6546% | 2,836 |
Total risk-based capital ratio | 17.9604% | 2,760 |
Memoranda: | ||
Average total assets | $28,929,500 | 6,980 |
Average earning assets | $24,031,500 | 7,019 |
Average equity | $3,620,500 | 6,815 |
Average total loans | $14,883,000 | 6,865 |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.7559% | 697 |
Cost of funding earning assets | 0.9934% | 3,427 |
Net interest margin | 4.7625% | 670 |
Noninterest income to average assets | 0.9108% | 1,640 |
Noninterest expense to average assets | 5.6519% | 248 |
Loan and lease loss provision to assets | 1.6945% | 401 |
Net operating income to assets | -2.4076% | 7,099 |
Return on assets (ROA) | -2.4076% | 7,111 |
Pretax return on assets | -2.4076% | 7,107 |
Return on Equity (ROE) | -17.4282% | 6,941 |
Retained earnings to average equity (ytd only) | -17.4282% | 6,923 |
Net charge-offs to loans | 2.6287% | 426 |
Credit loss provision to net charge-offs | 117.0732% | 2,756 |
Earnings coverage of net charge-offs (x) | -0.4927% | 6,080 |
Efficiency ratio | 114.4389% | 361 |
Assets per employee ($millions) | 1.9759% | 7,170 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
Condition Ratios (%) | ||
Loss allowance to loans | 7.5125% | 40 |
Loan loss allowance to noncurrent loans | 107.0313% | 2,878 |
Noncurrent assets plus other real estate owned to assets | 10.6043% | 290 |
Noncurrent loans to loans | 7.0190% | 632 |
Net loans and leases to total assets | 45.5245% | 6,052 |
Net loans and leases to deposits | 51.9541% | 6,221 |
Net loans and leases to core deposits | 51.9541% | 6,431 |
Total domestic deposits to total assets | 87.6244% | 2,388 |
Equity capital to assets | 12.1968% | 1,967 |
Core capital (leverage) ratio | 11.1424% | 2,160 |
Tier 1 risk-based capital ratio | 16.6459% | 2,756 |
Total risk-based capital ratio | 17.9503% | 2,694 |
Memoranda: | ||
Average total assets | $28,327,000 | 7,016 |
Average earning assets | $23,958,000 | 7,043 |
Average equity | $3,913,200 | 6,779 |
Average total loans | $15,596,800 | 6,874 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.9408% | 521 |
Cost of funding earning assets | 1.0312% | 3,456 |
Net interest margin | 4.9096% | 499 |
Noninterest income to average assets | 0.9381% | 1,523 |
Noninterest expense to average assets | 5.9048% | 210 |
Loan and lease loss provision to assets | 2.2857% | 212 |
Net operating income to assets | -3.0810% | 7,274 |
Return on assets (ROA) | -3.0810% | 7,281 |
Pretax return on assets | -3.0810% | 7,276 |
Return on Equity (ROE) | -21.6325% | 7,115 |
Retained earnings to average equity (ytd only) | -21.6325% | 7,102 |
Net charge-offs to loans | 3.0117% | 316 |
Credit loss provision to net charge-offs | 134.0782% | 2,377 |
Earnings coverage of net charge-offs (x) | -0.4665% | 5,822 |
Efficiency ratio | 115.5638% | 350 |
Assets per employee ($millions) | 1.7913% | 7,284 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
Condition Ratios (%) | ||
Loss allowance to loans | 7.3651% | 40 |
Loan loss allowance to noncurrent loans | 64.8221% | 4,214 |
Noncurrent assets plus other real estate owned to assets | 11.5383% | 252 |
Noncurrent loans to loans | 11.3620% | 267 |
Net loans and leases to total assets | 50.3786% | 5,662 |
Net loans and leases to deposits | 58.0276% | 5,840 |
Net loans and leases to core deposits | 58.0276% | 6,127 |
Total domestic deposits to total assets | 86.8183% | 2,762 |
Equity capital to assets | 12.7351% | 1,763 |
Core capital (leverage) ratio | 11.5174% | 2,016 |
Tier 1 risk-based capital ratio | 16.2493% | 2,991 |
Total risk-based capital ratio | 17.5691% | 2,924 |
Memoranda: | ||
Average total assets | $27,999,000 | 7,094 |
Average earning assets | $23,789,750 | 7,122 |
Average equity | $3,987,750 | 6,805 |
Average total loans | $15,848,750 | 6,923 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.8153% | 702 |
Cost of funding earning assets | 1.0788% | 3,398 |
Net interest margin | 4.7365% | 676 |
Noninterest income to average assets | 0.9432% | 1,488 |
Noninterest expense to average assets | 4.8815% | 406 |
Loan and lease loss provision to assets | 2.1600% | 269 |
Net operating income to assets | -2.0520% | 7,196 |
Return on assets (ROA) | -2.0520% | 7,201 |
Pretax return on assets | -2.0520% | 7,171 |
Return on Equity (ROE) | -13.9013% | 7,035 |
Retained earnings to average equity (ytd only) | -13.9013% | 7,001 |
Net charge-offs to loans | 2.8112% | 390 |
Credit loss provision to net charge-offs | 133.9286% | 2,281 |
Earnings coverage of net charge-offs (x) | 0.0670% | 5,241 |
Efficiency ratio | 97.8355% | 796 |
Assets per employee ($millions) | 1.7034% | 7,373 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
Condition Ratios (%) | ||
Loss allowance to loans | 6.8592% | 58 |
Loan loss allowance to noncurrent loans | 52.3764% | 4,878 |
Noncurrent assets plus other real estate owned to assets | 13.5498% | 187 |
Noncurrent loans to loans | 13.0960% | 201 |
Net loans and leases to total assets | 54.9037% | 5,162 |
Net loans and leases to deposits | 64.7036% | 5,185 |
Net loans and leases to core deposits | 64.7036% | 5,647 |
Total domestic deposits to total assets | 84.8542% | 3,941 |
Equity capital to assets | 14.7202% | 885 |
Core capital (leverage) ratio | 13.2251% | 1,079 |
Tier 1 risk-based capital ratio | 18.2094% | 2,101 |
Total risk-based capital ratio | 19.5144% | 2,043 |
Memoranda: | ||
Average total assets | $27,778,330 | 7,167 |
Average earning assets | $23,730,670 | 7,192 |
Average equity | $4,100,330 | 6,820 |
Average total loans | $15,936,000 | 6,983 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.5683% | 1,130 |
Cost of funding earning assets | 1.1236% | 3,345 |
Net interest margin | 4.4447% | 1,188 |
Noninterest income to average assets | 0.8274% | 1,933 |
Noninterest expense to average assets | 4.7361% | 459 |
Loan and lease loss provision to assets | 4.2796% | 93 |
Net operating income to assets | -4.3509% | 7,462 |
Return on assets (ROA) | -4.3509% | 7,464 |
Pretax return on assets | -4.3509% | 7,452 |
Return on Equity (ROE) | -29.4366% | 7,313 |
Retained earnings to average equity (ytd only) | -29.4366% | 7,285 |
Net charge-offs to loans | 2.5959% | 426 |
Credit loss provision to net charge-offs | 291.2621% | 1,102 |
Earnings coverage of net charge-offs (x) | -0.0485% | 4,616 |
Efficiency ratio | 101.5291% | 692 |
Assets per employee ($millions) | 1.7029% | 7,442 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
Condition Ratios (%) | ||
Loss allowance to loans | 7.6591% | 45 |
Loan loss allowance to noncurrent loans | 53.7110% | 4,788 |
Noncurrent assets plus other real estate owned to assets | 13.0326% | 210 |
Noncurrent loans to loans | 14.2598% | 177 |
Net loans and leases to total assets | 54.1160% | 5,285 |
Net loans and leases to deposits | 63.7126% | 5,289 |
Net loans and leases to core deposits | 63.7126% | 5,764 |
Total domestic deposits to total assets | 84.9378% | 4,061 |
Equity capital to assets | 14.6512% | 838 |
Core capital (leverage) ratio | 12.8647% | 1,170 |
Tier 1 risk-based capital ratio | 18.2170% | 2,047 |
Total risk-based capital ratio | 19.5400% | 1,979 |
Memoranda: | ||
Average total assets | $28,040,000 | 7,212 |
Average earning assets | $24,208,500 | 7,222 |
Average equity | $4,144,500 | 6,833 |
Average total loans | $15,871,000 | 7,040 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.9726% | 899 |
Cost of funding earning assets | 1.4690% | 2,829 |
Net interest margin | 4.5035% | 1,218 |
Noninterest income to average assets | 0.8698% | 1,978 |
Noninterest expense to average assets | 4.6476% | 574 |
Loan and lease loss provision to assets | 0.0000% | 7,042 |
Net operating income to assets | 0.0672% | 5,659 |
Return on assets (ROA) | 0.0672% | 5,804 |
Pretax return on assets | 0.1444% | 5,608 |
Return on Equity (ROE) | 0.4776% | 5,834 |
Retained earnings to average equity (ytd only) | 0.4776% | 5,343 |
Net charge-offs to loans | 1.1095% | 2,006 |
Credit loss provision to net charge-offs | 0.0000% | 6,628 |
Earnings coverage of net charge-offs (x) | 0.2337% | 5,872 |
Efficiency ratio | 96.9867% | 924 |
Assets per employee ($millions) | 1.8021% | 7,486 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
Condition Ratios (%) | ||
Loss allowance to loans | 6.5044% | 82 |
Loan loss allowance to noncurrent loans | 62.5991% | 4,269 |
Noncurrent assets plus other real estate owned to assets | 9.0209% | 499 |
Noncurrent loans to loans | 10.3905% | 391 |
Net loans and leases to total assets | 51.1497% | 6,031 |
Net loans and leases to deposits | 60.3981% | 6,011 |
Net loans and leases to core deposits | 60.3981% | 6,367 |
Total domestic deposits to total assets | 84.6877% | 4,005 |
Equity capital to assets | 14.9031% | 812 |
Core capital (leverage) ratio | 14.3890% | 770 |
Tier 1 risk-based capital ratio | 21.5940% | 1,233 |
Total risk-based capital ratio | 22.8906% | 1,201 |
Memoranda: | ||
Average total assets | $29,778,600 | 7,210 |
Average earning assets | $25,935,200 | 7,231 |
Average equity | $4,187,600 | 6,928 |
Average total loans | $16,584,000 | 7,089 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.0721% | 805 |
Cost of funding earning assets | 1.5155% | 2,875 |
Net interest margin | 4.5566% | 1,140 |
Noninterest income to average assets | 0.8795% | 1,877 |
Noninterest expense to average assets | 4.5843% | 544 |
Loan and lease loss provision to assets | 0.0000% | 6,977 |
Net operating income to assets | 0.1599% | 5,617 |
Return on assets (ROA) | 0.1599% | 5,772 |
Pretax return on assets | 0.2621% | 5,583 |
Return on Equity (ROE) | 1.1538% | 5,859 |
Retained earnings to average equity (ytd only) | 1.1538% | 5,358 |
Net charge-offs to loans | 0.8737% | 2,262 |
Credit loss provision to net charge-offs | 0.0000% | 6,367 |
Earnings coverage of net charge-offs (x) | 0.5363% | 5,487 |
Efficiency ratio | 94.5921% | 970 |
Assets per employee ($millions) | 1.8711% | 7,559 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
Condition Ratios (%) | ||
Loss allowance to loans | 6.8370% | 68 |
Loan loss allowance to noncurrent loans | 51.2582% | 4,872 |
Noncurrent assets plus other real estate owned to assets | 10.6253% | 352 |
Noncurrent loans to loans | 13.3383% | 215 |
Net loans and leases to total assets | 50.0668% | 6,319 |
Net loans and leases to deposits | 58.8450% | 6,395 |
Net loans and leases to core deposits | 59.6387% | 6,636 |
Total domestic deposits to total assets | 85.0825% | 3,582 |
Equity capital to assets | 14.4064% | 1,045 |
Core capital (leverage) ratio | 14.3137% | 856 |
Tier 1 risk-based capital ratio | 21.1816% | 1,327 |
Total risk-based capital ratio | 22.4831% | 1,301 |
Memoranda: | ||
Average total assets | $30,015,000 | 7,294 |
Average earning assets | $26,130,000 | 7,314 |
Average equity | $4,160,250 | 7,029 |
Average total loans | $16,786,500 | 7,181 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.0656% | 817 |
Cost of funding earning assets | 1.5624% | 2,889 |
Net interest margin | 4.5033% | 1,201 |
Noninterest income to average assets | 0.8921% | 1,717 |
Noninterest expense to average assets | 4.5738% | 533 |
Loan and lease loss provision to assets | 0.0000% | 6,857 |
Net operating income to assets | 0.0799% | 5,922 |
Return on assets (ROA) | 0.0799% | 6,028 |
Pretax return on assets | 0.2330% | 5,694 |
Return on Equity (ROE) | 0.5840% | 6,066 |
Retained earnings to average equity (ytd only) | 0.5840% | 5,527 |
Net charge-offs to loans | 0.2703% | 3,991 |
Credit loss provision to net charge-offs | 0.0000% | 6,004 |
Earnings coverage of net charge-offs (x) | 1.5217% | 4,348 |
Efficiency ratio | 95.1524% | 1,004 |
Assets per employee ($millions) | 1.7681% | 7,667 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
Condition Ratios (%) | ||
Loss allowance to loans | 6.9509% | 58 |
Loan loss allowance to noncurrent loans | 58.9082% | 4,406 |
Noncurrent assets plus other real estate owned to assets | 11.2017% | 311 |
Noncurrent loans to loans | 11.7995% | 300 |
Net loans and leases to total assets | 52.8645% | 6,121 |
Net loans and leases to deposits | 62.0582% | 6,228 |
Net loans and leases to core deposits | 62.8784% | 6,485 |
Total domestic deposits to total assets | 85.1853% | 3,526 |
Equity capital to assets | 14.2691% | 1,079 |
Core capital (leverage) ratio | 14.2010% | 877 |
Tier 1 risk-based capital ratio | 20.2359% | 1,475 |
Total risk-based capital ratio | 21.5381% | 1,435 |
Memoranda: | ||
Average total assets | $30,040,670 | 7,346 |
Average earning assets | $26,114,330 | 7,368 |
Average equity | $4,109,330 | 7,074 |
Average total loans | $17,019,000 | 7,220 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.9453% | 1,089 |
Cost of funding earning assets | 1.6312% | 2,771 |
Net interest margin | 4.3142% | 1,647 |
Noninterest income to average assets | 0.7991% | 2,024 |
Noninterest expense to average assets | 4.5818% | 525 |
Loan and lease loss provision to assets | 0.0000% | 6,552 |
Net operating income to assets | -0.2131% | 6,555 |
Return on assets (ROA) | -0.2131% | 6,624 |
Pretax return on assets | -0.0133% | 6,376 |
Return on Equity (ROE) | -1.5922% | 6,593 |
Retained earnings to average equity (ytd only) | -1.5922% | 6,143 |
Net charge-offs to loans | 0.3767% | 2,921 |
Credit loss provision to net charge-offs | 0.0000% | 5,126 |
Earnings coverage of net charge-offs (x) | -0.0625% | 5,073 |
Efficiency ratio | 100.2915% | 828 |
Assets per employee ($millions) | 1.7510% | 7,767 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
Condition Ratios (%) | ||
Loss allowance to loans | 7.0095% | 58 |
Loan loss allowance to noncurrent loans | 49.4820% | 5,028 |
Noncurrent assets plus other real estate owned to assets | 12.6482% | 227 |
Noncurrent loans to loans | 14.1658% | 207 |
Net loans and leases to total assets | 53.2133% | 6,126 |
Net loans and leases to deposits | 62.5000% | 6,232 |
Net loans and leases to core deposits | 63.3372% | 6,507 |
Total domestic deposits to total assets | 85.1413% | 3,590 |
Equity capital to assets | 14.3145% | 1,061 |
Core capital (leverage) ratio | 14.2604% | 907 |
Tier 1 risk-based capital ratio | 20.1180% | 1,503 |
Total risk-based capital ratio | 21.4212% | 1,460 |
Memoranda: | ||
Average total assets | $30,032,000 | 7,441 |
Average earning assets | $26,239,000 | 7,455 |
Average equity | $4,019,500 | 7,181 |
Average total loans | $16,990,000 | 7,317 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.6528% | 512 |
Cost of funding earning assets | 1.9247% | 3,334 |
Net interest margin | 4.7281% | 802 |
Noninterest income to average assets | 0.8907% | 1,982 |
Noninterest expense to average assets | 4.7388% | 637 |
Loan and lease loss provision to assets | 4.4125% | 272 |
Net operating income to assets | -4.0725% | 7,617 |
Return on assets (ROA) | -4.0725% | 7,616 |
Pretax return on assets | -4.0351% | 7,534 |
Return on Equity (ROE) | -26.6163% | 7,331 |
Retained earnings to average equity (ytd only) | -28.8380% | 7,367 |
Net charge-offs to loans | 1.8882% | 1,315 |
Credit loss provision to net charge-offs | 346.1333% | 941 |
Earnings coverage of net charge-offs (x) | 0.2960% | 5,819 |
Efficiency ratio | 92.6246% | 1,518 |
Assets per employee ($millions) | 1.7822% | 7,832 |
Cash dividends to net income (ytd only)* | -8.3472% | 7,588 |
Condition Ratios (%) | ||
Loss allowance to loans | 7.1403% | 59 |
Loan loss allowance to noncurrent loans | 43.1834% | 5,520 |
Noncurrent assets plus other real estate owned to assets | 12.3643% | 233 |
Noncurrent loans to loans | 16.5349% | 127 |
Net loans and leases to total assets | 51.9391% | 6,426 |
Net loans and leases to deposits | 59.9284% | 6,640 |
Net loans and leases to core deposits | 69.4930% | 6,804 |
Total domestic deposits to total assets | 86.6686% | 2,667 |
Equity capital to assets | 12.4699% | 1,763 |
Core capital (leverage) ratio | 12.4424% | 1,478 |
Tier 1 risk-based capital ratio | 18.3514% | 1,792 |
Total risk-based capital ratio | 19.6580% | 1,733 |
Memoranda: | ||
Average total assets | $29,416,600 | 7,498 |
Average earning assets | $26,289,800 | 7,494 |
Average equity | $4,501,000 | 7,114 |
Average total loans | $19,860,200 | 7,199 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 7.0311% | 286 |
Cost of funding earning assets | 1.9361% | 3,678 |
Net interest margin | 5.0950% | 370 |
Noninterest income to average assets | 0.9088% | 1,945 |
Noninterest expense to average assets | 4.7447% | 593 |
Loan and lease loss provision to assets | 5.7905% | 117 |
Net operating income to assets | -5.5393% | 7,890 |
Return on assets (ROA) | -5.5393% | 7,888 |
Pretax return on assets | -5.0598% | 7,817 |
Return on Equity (ROE) | -34.5446% | 7,693 |
Retained earnings to average equity (ytd only) | -37.3924% | 7,720 |
Net charge-offs to loans | 1.6255% | 1,256 |
Credit loss provision to net charge-offs | 505.1793% | 776 |
Earnings coverage of net charge-offs (x) | 0.6375% | 5,390 |
Efficiency ratio | 86.6555% | 2,000 |
Assets per employee ($millions) | 1.6928% | 7,938 |
Cash dividends to net income (ytd only)* | -8.2440% | 7,736 |
Condition Ratios (%) | ||
Loss allowance to loans | 6.9369% | 50 |
Loan loss allowance to noncurrent loans | 53.6626% | 4,753 |
Noncurrent assets plus other real estate owned to assets | 10.0254% | 337 |
Noncurrent loans to loans | 12.9269% | 228 |
Net loans and leases to total assets | 60.7916% | 5,457 |
Net loans and leases to deposits | 70.9149% | 5,800 |
Net loans and leases to core deposits | 81.0545% | 6,267 |
Total domestic deposits to total assets | 85.7247% | 2,845 |
Equity capital to assets | 13.0764% | 1,666 |
Core capital (leverage) ratio | 14.6045% | 934 |
Tier 1 risk-based capital ratio | 17.7525% | 2,061 |
Total risk-based capital ratio | 19.0640% | 1,992 |
Memoranda: | ||
Average total assets | $29,196,500 | 7,567 |
Average earning assets | $26,168,750 | 7,565 |
Average equity | $4,681,750 | 7,116 |
Average total loans | $20,588,750 | 7,223 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.9525% | 348 |
Cost of funding earning assets | 1.9321% | 4,100 |
Net interest margin | 5.0204% | 412 |
Noninterest income to average assets | 0.8999% | 1,993 |
Noninterest expense to average assets | 4.7722% | 603 |
Loan and lease loss provision to assets | 1.4385% | 1,210 |
Net operating income to assets | -1.2953% | 7,164 |
Return on assets (ROA) | -1.2953% | 7,168 |
Pretax return on assets | -0.8113% | 6,689 |
Return on Equity (ROE) | -7.6183% | 6,864 |
Retained earnings to average equity (ytd only) | -11.6279% | 7,023 |
Net charge-offs to loans | 1.4444% | 1,308 |
Credit loss provision to net charge-offs | 137.9085% | 3,388 |
Earnings coverage of net charge-offs (x) | 0.6013% | 5,110 |
Efficiency ratio | 88.3838% | 1,962 |
Assets per employee ($millions) | 1.6911% | 8,024 |
Cash dividends to net income (ytd only)* | -52.6316% | 8,011 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5975% | 2,755 |
Loan loss allowance to noncurrent loans | 10.4450% | 7,487 |
Noncurrent assets plus other real estate owned to assets | 11.4895% | 207 |
Noncurrent loans to loans | 15.2945% | 126 |
Net loans and leases to total assets | 73.9217% | 2,721 |
Net loans and leases to deposits | 90.0733% | 2,824 |
Net loans and leases to core deposits | 100.7347% | 4,433 |
Total domestic deposits to total assets | 82.0683% | 4,663 |
Equity capital to assets | 16.6481% | 722 |
Core capital (leverage) ratio | 17.4991% | 559 |
Tier 1 risk-based capital ratio | 19.9850% | 1,587 |
Total risk-based capital ratio | 21.2377% | 1,545 |
Memoranda: | ||
Average total assets | $29,336,330 | 7,631 |
Average earning assets | $26,292,670 | 7,627 |
Average equity | $4,988,000 | 7,066 |
Average total loans | $21,185,670 | 7,259 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 7.9029% | 103 |
Cost of funding earning assets | 1.9568% | 4,343 |
Net interest margin | 5.9462% | 107 |
Noninterest income to average assets | 1.5795% | 553 |
Noninterest expense to average assets | 4.8599% | 532 |
Loan and lease loss provision to assets | 0.4050% | 2,897 |
Net operating income to assets | 0.3645% | 4,997 |
Return on assets (ROA) | 0.3645% | 5,183 |
Pretax return on assets | 1.6065% | 1,387 |
Return on Equity (ROE) | 2.1222% | 5,729 |
Retained earnings to average equity (ytd only) | 2.1222% | 4,684 |
Net charge-offs to loans | -0.4766% | 8,101 |
Credit loss provision to net charge-offs | -120.0000% | 6,228 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 70.7269% | 4,425 |
Assets per employee ($millions) | 1.7342% | 8,046 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6305% | 2,398 |
Loan loss allowance to noncurrent loans | 25.3146% | 6,879 |
Noncurrent assets plus other real estate owned to assets | 4.7827% | 967 |
Noncurrent loans to loans | 6.4410% | 697 |
Net loans and leases to total assets | 69.9874% | 3,671 |
Net loans and leases to deposits | 85.8492% | 3,659 |
Net loans and leases to core deposits | 95.9273% | 4,978 |
Total domestic deposits to total assets | 81.5237% | 4,738 |
Equity capital to assets | 17.3095% | 688 |
Core capital (leverage) ratio | 19.5660% | 418 |
Tier 1 risk-based capital ratio | 21.6247% | 1,352 |
Total risk-based capital ratio | 22.8791% | 1,319 |
Memoranda: | ||
Average total assets | $29,630,500 | 7,661 |
Average earning assets | $26,370,000 | 7,666 |
Average equity | $5,089,000 | 7,082 |
Average total loans | $20,980,500 | 7,312 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 8.6345% | 92 |
Cost of funding earning assets | 2.0653% | 6,180 |
Net interest margin | 6.5691% | 71 |
Noninterest income to average assets | 0.9509% | 1,762 |
Noninterest expense to average assets | 4.9940% | 624 |
Loan and lease loss provision to assets | 0.1619% | 5,310 |
Net operating income to assets | 1.0858% | 2,200 |
Return on assets (ROA) | 1.0858% | 2,119 |
Pretax return on assets | 1.6725% | 1,210 |
Return on Equity (ROE) | 6.4713% | 3,770 |
Retained earnings to average equity (ytd only) | 4.4616% | 2,352 |
Net charge-offs to loans | 0.3543% | 3,056 |
Credit loss provision to net charge-offs | 64.8649% | 6,166 |
Earnings coverage of net charge-offs (x) | 7.3514% | 3,134 |
Efficiency ratio | 73.1358% | 3,724 |
Assets per employee ($millions) | 1.6544% | 8,112 |
Cash dividends to net income (ytd only)* | 31.0559% | 4,076 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3676% | 3,373 |
Loan loss allowance to noncurrent loans | 25.2197% | 7,000 |
Noncurrent assets plus other real estate owned to assets | 4.0195% | 1,019 |
Noncurrent loans to loans | 5.4227% | 764 |
Net loans and leases to total assets | 69.5064% | 4,138 |
Net loans and leases to deposits | 84.9922% | 4,255 |
Net loans and leases to core deposits | 93.4492% | 5,502 |
Total domestic deposits to total assets | 81.7797% | 4,284 |
Equity capital to assets | 17.0416% | 776 |
Core capital (leverage) ratio | 19.3326% | 485 |
Tier 1 risk-based capital ratio | 21.6077% | 1,372 |
Total risk-based capital ratio | 22.8297% | 1,340 |
Memoranda: | ||
Average total assets | $29,655,800 | 7,663 |
Average earning assets | $26,533,200 | 7,674 |
Average equity | $4,975,800 | 7,152 |
Average total loans | $20,889,000 | 7,273 |