Home > Metropolitan National Bank > Performance and Condition Ratios
Metropolitan National Bank, Performance and Condition Ratios
2015-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 1.4471% | 6,128 |
Cost of funding earning assets | 0.0610% | 6,089 |
Net interest margin | 1.3861% | 6,115 |
Noninterest income to average assets | 0.1897% | 5,457 |
Noninterest expense to average assets | 0.9181% | 6,132 |
Loan and lease loss provision to assets | 0.1386% | 1,710 |
Net operating income to assets | 0.2374% | 5,506 |
Return on assets (ROA) | 0.2271% | 5,588 |
Pretax return on assets | 0.3680% | 5,385 |
Return on Equity (ROE) | 1.8732% | 5,598 |
Retained earnings to average equity (ytd only) | 1.8732% | 4,661 |
Net charge-offs to loans | 0.0028% | 4,370 |
Credit loss provision to net charge-offs | 6,220.0000% | 57 |
Earnings coverage of net charge-offs (x) | 234.5000% | 300 |
Efficiency ratio | 62.1906% | 4,572 |
Assets per employee ($millions) | 3.0595% | 5,469 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.1677% | 6,096 |
Loan loss allowance to noncurrent loans | 29.1151% | 5,348 |
Noncurrent assets plus other real estate owned to assets | 0.6032% | 3,272 |
Noncurrent loans to loans | 0.5761% | 3,445 |
Net loans and leases to total assets | 79.8983% | 856 |
Net loans and leases to deposits | 92.3164% | 1,368 |
Net loans and leases to core deposits | 95.0851% | 1,932 |
Total domestic deposits to total assets | 86.5482% | 2,354 |
Equity capital to assets | 11.6269% | 2,252 |
Core capital (leverage) ratio | 8.3028% | 5,602 |
Tier 1 risk-based capital ratio | 10.0345% | 5,945 |
Total risk-based capital ratio | 10.2014% | 6,097 |
Memoranda: | ||
Average total assets | $448,654,600 | 1,495 |
Average earning assets | $404,946,800 | 1,516 |
Average equity | $54,400,200 | 1,375 |
Average total loans | $357,309,200 | 1,267 |
2015-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9796% | 3,411 |
Cost of funding earning assets | 0.2753% | 4,609 |
Net interest margin | 3.7043% | 2,752 |
Noninterest income to average assets | 0.8435% | 1,639 |
Noninterest expense to average assets | 3.7837% | 870 |
Loan and lease loss provision to assets | -0.2647% | 6,139 |
Net operating income to assets | 0.6767% | 4,002 |
Return on assets (ROA) | 0.6767% | 4,116 |
Pretax return on assets | 0.6892% | 4,715 |
Return on Equity (ROE) | 5.5232% | 4,394 |
Retained earnings to average equity (ytd only) | -38.0682% | 6,241 |
Net charge-offs to loans | -0.0323% | 5,387 |
Credit loss provision to net charge-offs | 1,031.3953% | 353 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 89.9107% | 709 |
Assets per employee ($millions) | 2.9733% | 5,576 |
Cash dividends to net income (ytd only)* | 789.2428% | 14 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5549% | 1,947 |
Loan loss allowance to noncurrent loans | 206.3980% | 2,196 |
Noncurrent assets plus other real estate owned to assets | 0.6432% | 3,336 |
Noncurrent loans to loans | 0.7533% | 3,079 |
Net loans and leases to total assets | 81.2660% | 672 |
Net loans and leases to deposits | 99.7913% | 673 |
Net loans and leases to core deposits | 101.3371% | 1,423 |
Total domestic deposits to total assets | 81.4360% | 4,355 |
Equity capital to assets | 9.4272% | 4,849 |
Core capital (leverage) ratio | 8.2064% | 5,773 |
Tier 1 risk-based capital ratio | 9.7508% | 6,090 |
Total risk-based capital ratio | 11.0048% | 6,065 |
Memoranda: | ||
Average total assets | $446,851,750 | 1,513 |
Average earning assets | $405,896,250 | 1,524 |
Average equity | $54,749,500 | 1,371 |
Average total loans | $355,426,250 | 1,279 |
2015-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9466% | 3,506 |
Cost of funding earning assets | 0.2764% | 4,651 |
Net interest margin | 3.6702% | 2,836 |
Noninterest income to average assets | 0.8754% | 1,527 |
Noninterest expense to average assets | 3.9152% | 750 |
Loan and lease loss provision to assets | 0.0018% | 4,046 |
Net operating income to assets | 0.2814% | 5,491 |
Return on assets (ROA) | 0.2814% | 5,580 |
Pretax return on assets | 0.2832% | 5,685 |
Return on Equity (ROE) | 2.1293% | 5,648 |
Retained earnings to average equity (ytd only) | 2.1293% | 4,644 |
Net charge-offs to loans | 0.0247% | 3,181 |
Credit loss provision to net charge-offs | 9.3023% | 3,103 |
Earnings coverage of net charge-offs (x) | 14.7209% | 2,038 |
Efficiency ratio | 93.2140% | 562 |
Assets per employee ($millions) | 2.7400% | 5,876 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8233% | 1,328 |
Loan loss allowance to noncurrent loans | 191.2779% | 2,304 |
Noncurrent assets plus other real estate owned to assets | 0.8198% | 2,923 |
Noncurrent loans to loans | 0.9532% | 2,740 |
Net loans and leases to total assets | 80.0743% | 794 |
Net loans and leases to deposits | 95.3188% | 1,020 |
Net loans and leases to core deposits | 96.7049% | 1,739 |
Total domestic deposits to total assets | 84.0068% | 3,560 |
Equity capital to assets | 13.2546% | 1,275 |
Core capital (leverage) ratio | 12.0353% | 1,641 |
Tier 1 risk-based capital ratio | 14.7042% | 3,525 |
Total risk-based capital ratio | 15.9615% | 3,449 |
Memoranda: | ||
Average total assets | $444,163,330 | 1,533 |
Average earning assets | $402,374,330 | 1,544 |
Average equity | $58,704,000 | 1,298 |
Average total loans | $348,724,330 | 1,301 |
2015-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8134% | 3,957 |
Cost of funding earning assets | 0.2813% | 4,654 |
Net interest margin | 3.5321% | 3,294 |
Noninterest income to average assets | 0.7337% | 2,002 |
Noninterest expense to average assets | 3.8217% | 855 |
Loan and lease loss provision to assets | 0.0009% | 3,699 |
Net operating income to assets | 0.0954% | 5,884 |
Return on assets (ROA) | 0.0954% | 5,940 |
Pretax return on assets | 0.0990% | 5,950 |
Return on Equity (ROE) | 0.7231% | 5,955 |
Retained earnings to average equity (ytd only) | 0.7231% | 5,162 |
Net charge-offs to loans | 0.1427% | 1,396 |
Credit loss provision to net charge-offs | 0.8197% | 2,488 |
Earnings coverage of net charge-offs (x) | 0.9098% | 2,994 |
Efficiency ratio | 97.4518% | 451 |
Assets per employee ($millions) | 2.7143% | 5,955 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9170% | 1,247 |
Loan loss allowance to noncurrent loans | 186.5236% | 2,353 |
Noncurrent assets plus other real estate owned to assets | 0.8989% | 2,839 |
Noncurrent loans to loans | 1.0278% | 2,711 |
Net loans and leases to total assets | 75.3872% | 1,295 |
Net loans and leases to deposits | 89.0438% | 1,498 |
Net loans and leases to core deposits | 90.2096% | 2,107 |
Total domestic deposits to total assets | 84.6631% | 3,555 |
Equity capital to assets | 13.3086% | 1,257 |
Core capital (leverage) ratio | 11.9671% | 1,656 |
Tier 1 risk-based capital ratio | 15.6809% | 3,068 |
Total risk-based capital ratio | 16.9396% | 3,006 |
Memoranda: | ||
Average total assets | $444,303,500 | 1,542 |
Average earning assets | $401,002,500 | 1,557 |
Average equity | $58,638,500 | 1,305 |
Average total loans | $342,068,000 | 1,322 |
2014-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9122% | 4,085 |
Cost of funding earning assets | 0.3042% | 4,755 |
Net interest margin | 3.6080% | 3,386 |
Noninterest income to average assets | 0.7813% | 1,945 |
Noninterest expense to average assets | 3.8892% | 868 |
Loan and lease loss provision to assets | -0.2757% | 6,354 |
Net operating income to assets | 0.4323% | 5,098 |
Return on assets (ROA) | 0.4359% | 5,177 |
Pretax return on assets | 0.4392% | 5,405 |
Return on Equity (ROE) | 3.4021% | 5,328 |
Retained earnings to average equity (ytd only) | 2.7122% | 4,318 |
Net charge-offs to loans | 0.0762% | 3,398 |
Credit loss provision to net charge-offs | -488.4462% | 5,782 |
Earnings coverage of net charge-offs (x) | 2.8327% | 4,052 |
Efficiency ratio | 96.0509% | 502 |
Assets per employee ($millions) | 2.7347% | 5,997 |
Cash dividends to net income (ytd only)* | 20.2786% | 3,804 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9298% | 1,240 |
Loan loss allowance to noncurrent loans | 199.8796% | 2,239 |
Noncurrent assets plus other real estate owned to assets | 0.8760% | 3,018 |
Noncurrent loans to loans | 0.9655% | 2,910 |
Net loans and leases to total assets | 75.6997% | 1,316 |
Net loans and leases to deposits | 89.1184% | 1,604 |
Net loans and leases to core deposits | 90.2708% | 2,251 |
Total domestic deposits to total assets | 84.9429% | 3,308 |
Equity capital to assets | 13.0598% | 1,344 |
Core capital (leverage) ratio | 11.6343% | 1,880 |
Tier 1 risk-based capital ratio | 16.1683% | 2,875 |
Total risk-based capital ratio | 17.4284% | 2,813 |
Memoranda: | ||
Average total assets | $444,646,800 | 1,492 |
Average earning assets | $402,716,800 | 1,517 |
Average equity | $56,965,600 | 1,287 |
Average total loans | $329,515,800 | 1,329 |
2014-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8251% | 4,452 |
Cost of funding earning assets | 0.3083% | 4,801 |
Net interest margin | 3.5168% | 3,765 |
Noninterest income to average assets | 0.8194% | 1,818 |
Noninterest expense to average assets | 3.8180% | 948 |
Loan and lease loss provision to assets | -0.3718% | 6,500 |
Net operating income to assets | 0.5560% | 4,649 |
Return on assets (ROA) | 0.5572% | 4,721 |
Pretax return on assets | 0.5608% | 5,154 |
Return on Equity (ROE) | 4.3703% | 5,014 |
Retained earnings to average equity (ytd only) | 4.3703% | 3,541 |
Net charge-offs to loans | 0.0904% | 2,922 |
Credit loss provision to net charge-offs | -560.6335% | 5,773 |
Earnings coverage of net charge-offs (x) | 2.8326% | 3,815 |
Efficiency ratio | 95.3112% | 530 |
Assets per employee ($millions) | 2.8444% | 5,918 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9639% | 1,322 |
Loan loss allowance to noncurrent loans | 100.5893% | 3,660 |
Noncurrent assets plus other real estate owned to assets | 1.8655% | 1,579 |
Noncurrent loans to loans | 1.9524% | 1,632 |
Net loans and leases to total assets | 73.9441% | 1,536 |
Net loans and leases to deposits | 87.7498% | 1,703 |
Net loans and leases to core deposits | 88.9686% | 2,331 |
Total domestic deposits to total assets | 84.2670% | 3,651 |
Equity capital to assets | 12.9200% | 1,470 |
Core capital (leverage) ratio | 11.7292% | 1,890 |
Tier 1 risk-based capital ratio | 16.3102% | 2,898 |
Total risk-based capital ratio | 17.5707% | 2,845 |
Memoranda: | ||
Average total assets | $444,369,500 | 1,506 |
Average earning assets | $402,631,000 | 1,527 |
Average equity | $56,653,250 | 1,301 |
Average total loans | $325,875,750 | 1,348 |
2014-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7984% | 4,532 |
Cost of funding earning assets | 0.3139% | 4,838 |
Net interest margin | 3.4845% | 3,841 |
Noninterest income to average assets | 0.7938% | 1,857 |
Noninterest expense to average assets | 3.8402% | 922 |
Loan and lease loss provision to assets | -0.5616% | 6,605 |
Net operating income to assets | 0.6660% | 4,016 |
Return on assets (ROA) | 0.6677% | 4,105 |
Pretax return on assets | 0.6718% | 4,730 |
Return on Equity (ROE) | 5.2614% | 4,548 |
Retained earnings to average equity (ytd only) | 5.2614% | 2,789 |
Net charge-offs to loans | 0.0323% | 3,552 |
Credit loss provision to net charge-offs | -2,390.3846% | 5,836 |
Earnings coverage of net charge-offs (x) | 4.6154% | 3,075 |
Efficiency ratio | 97.2540% | 498 |
Assets per employee ($millions) | 2.7182% | 6,115 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0576% | 1,265 |
Loan loss allowance to noncurrent loans | 100.4269% | 3,636 |
Noncurrent assets plus other real estate owned to assets | 1.9391% | 1,663 |
Noncurrent loans to loans | 2.0488% | 1,641 |
Net loans and leases to total assets | 72.4030% | 1,669 |
Net loans and leases to deposits | 86.8414% | 1,733 |
Net loans and leases to core deposits | 88.0618% | 2,311 |
Total domestic deposits to total assets | 83.3738% | 4,165 |
Equity capital to assets | 12.8178% | 1,478 |
Core capital (leverage) ratio | 11.9281% | 1,704 |
Tier 1 risk-based capital ratio | 16.5712% | 2,792 |
Total risk-based capital ratio | 17.8328% | 2,756 |
Memoranda: | ||
Average total assets | $442,686,670 | 1,513 |
Average earning assets | $400,799,000 | 1,527 |
Average equity | $56,182,670 | 1,295 |
Average total loans | $321,509,330 | 1,356 |
2014-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7486% | 4,677 |
Cost of funding earning assets | 0.3225% | 4,828 |
Net interest margin | 3.4261% | 4,005 |
Noninterest income to average assets | 0.7549% | 1,941 |
Noninterest expense to average assets | 3.8738% | 897 |
Loan and lease loss provision to assets | -0.9050% | 6,699 |
Net operating income to assets | 0.8941% | 2,684 |
Return on assets (ROA) | 0.8941% | 2,744 |
Pretax return on assets | 0.8977% | 3,705 |
Return on Equity (ROE) | 7.0809% | 3,428 |
Retained earnings to average equity (ytd only) | 7.0809% | 2,003 |
Net charge-offs to loans | 0.0038% | 3,599 |
Credit loss provision to net charge-offs | -33,166.6667% | 5,677 |
Earnings coverage of net charge-offs (x) | -2.6667% | 3,549 |
Efficiency ratio | 100.1882% | 461 |
Assets per employee ($millions) | 2.6460% | 6,251 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.2213% | 1,126 |
Loan loss allowance to noncurrent loans | 62.4967% | 4,748 |
Noncurrent assets plus other real estate owned to assets | 2.7607% | 1,087 |
Noncurrent loans to loans | 3.5543% | 810 |
Net loans and leases to total assets | 71.3443% | 1,676 |
Net loans and leases to deposits | 84.1036% | 1,810 |
Net loans and leases to core deposits | 85.2311% | 2,397 |
Total domestic deposits to total assets | 84.8291% | 3,944 |
Equity capital to assets | 12.8421% | 1,387 |
Core capital (leverage) ratio | 11.8344% | 1,741 |
Tier 1 risk-based capital ratio | 17.3196% | 2,548 |
Total risk-based capital ratio | 18.5841% | 2,510 |
Memoranda: | ||
Average total assets | $439,775,500 | 1,531 |
Average earning assets | $399,404,000 | 1,539 |
Average equity | $55,529,500 | 1,302 |
Average total loans | $316,486,000 | 1,376 |
2013-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8009% | 4,814 |
Cost of funding earning assets | 0.3739% | 4,905 |
Net interest margin | 3.4269% | 4,177 |
Noninterest income to average assets | 0.8295% | 1,939 |
Noninterest expense to average assets | 3.8255% | 1,097 |
Loan and lease loss provision to assets | 0.0058% | 5,009 |
Net operating income to assets | 0.1148% | 6,010 |
Return on assets (ROA) | 0.1148% | 6,072 |
Pretax return on assets | 0.1148% | 6,072 |
Return on Equity (ROE) | 0.9228% | 6,095 |
Retained earnings to average equity (ytd only) | 0.9228% | 5,424 |
Net charge-offs to loans | 0.2004% | 2,870 |
Credit loss provision to net charge-offs | 4.3845% | 4,657 |
Earnings coverage of net charge-offs (x) | 0.9140% | 4,780 |
Efficiency ratio | 96.9432% | 590 |
Assets per employee ($millions) | 2.6054% | 6,311 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.5976% | 725 |
Loan loss allowance to noncurrent loans | 99.2056% | 3,636 |
Noncurrent assets plus other real estate owned to assets | 1.9588% | 1,844 |
Noncurrent loans to loans | 2.6184% | 1,422 |
Net loans and leases to total assets | 69.1246% | 2,154 |
Net loans and leases to deposits | 80.6178% | 2,370 |
Net loans and leases to core deposits | 81.9574% | 2,900 |
Total domestic deposits to total assets | 85.7436% | 3,396 |
Equity capital to assets | 12.4120% | 1,559 |
Core capital (leverage) ratio | 11.5821% | 1,902 |
Tier 1 risk-based capital ratio | 17.4818% | 2,426 |
Total risk-based capital ratio | 18.7511% | 2,393 |
Memoranda: | ||
Average total assets | $449,328,400 | 1,481 |
Average earning assets | $408,644,200 | 1,486 |
Average equity | $55,918,400 | 1,277 |
Average total loans | $295,979,400 | 1,425 |
2013-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7250% | 5,098 |
Cost of funding earning assets | 0.3860% | 4,941 |
Net interest margin | 3.3390% | 4,501 |
Noninterest income to average assets | 0.8633% | 1,884 |
Noninterest expense to average assets | 3.7955% | 1,086 |
Loan and lease loss provision to assets | 0.0059% | 4,852 |
Net operating income to assets | 0.0986% | 6,142 |
Return on assets (ROA) | 0.0986% | 6,200 |
Pretax return on assets | 0.0986% | 6,212 |
Return on Equity (ROE) | 0.7919% | 6,215 |
Retained earnings to average equity (ytd only) | 0.7919% | 5,664 |
Net charge-offs to loans | 0.4966% | 1,296 |
Credit loss provision to net charge-offs | 1.8399% | 4,321 |
Earnings coverage of net charge-offs (x) | 0.3257% | 4,755 |
Efficiency ratio | 97.3200% | 558 |
Assets per employee ($millions) | 2.5437% | 6,435 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.4738% | 964 |
Loan loss allowance to noncurrent loans | 86.3410% | 3,866 |
Noncurrent assets plus other real estate owned to assets | 2.1489% | 1,860 |
Noncurrent loans to loans | 2.8652% | 1,438 |
Net loans and leases to total assets | 67.8470% | 2,317 |
Net loans and leases to deposits | 79.9753% | 2,411 |
Net loans and leases to core deposits | 81.3112% | 2,959 |
Total domestic deposits to total assets | 84.8349% | 3,826 |
Equity capital to assets | 12.3987% | 1,637 |
Core capital (leverage) ratio | 11.4403% | 2,094 |
Tier 1 risk-based capital ratio | 17.5172% | 2,502 |
Total risk-based capital ratio | 18.7846% | 2,465 |
Memoranda: | ||
Average total assets | $451,581,750 | 1,477 |
Average earning assets | $410,689,500 | 1,485 |
Average equity | $56,235,000 | 1,279 |
Average total loans | $291,853,500 | 1,453 |
2013-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6393% | 5,324 |
Cost of funding earning assets | 0.4051% | 4,891 |
Net interest margin | 3.2342% | 4,825 |
Noninterest income to average assets | 0.8487% | 2,005 |
Noninterest expense to average assets | 3.7741% | 1,135 |
Loan and lease loss provision to assets | 0.0070% | 4,706 |
Net operating income to assets | 0.0075% | 6,293 |
Return on assets (ROA) | 0.0075% | 6,358 |
Pretax return on assets | 0.0075% | 6,344 |
Return on Equity (ROE) | 0.0600% | 6,362 |
Retained earnings to average equity (ytd only) | 0.0600% | 5,831 |
Net charge-offs to loans | 0.4377% | 1,484 |
Credit loss provision to net charge-offs | 2.5518% | 3,977 |
Earnings coverage of net charge-offs (x) | 0.0526% | 4,531 |
Efficiency ratio | 99.6168% | 500 |
Assets per employee ($millions) | 2.6056% | 6,394 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.7299% | 763 |
Loan loss allowance to noncurrent loans | 78.5235% | 4,088 |
Noncurrent assets plus other real estate owned to assets | 2.4842% | 1,708 |
Noncurrent loans to loans | 3.4766% | 1,228 |
Net loans and leases to total assets | 64.1850% | 2,883 |
Net loans and leases to deposits | 76.1106% | 2,857 |
Net loans and leases to core deposits | 77.1968% | 3,399 |
Total domestic deposits to total assets | 84.3312% | 4,185 |
Equity capital to assets | 12.2818% | 1,720 |
Core capital (leverage) ratio | 11.2189% | 2,158 |
Tier 1 risk-based capital ratio | 18.2785% | 2,219 |
Total risk-based capital ratio | 19.5497% | 2,176 |
Memoranda: | ||
Average total assets | $454,577,000 | 1,468 |
Average earning assets | $413,211,000 | 1,475 |
Average equity | $56,688,000 | 1,272 |
Average total loans | $286,503,000 | 1,476 |
2013-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6233% | 5,380 |
Cost of funding earning assets | 0.4168% | 4,939 |
Net interest margin | 3.2064% | 4,913 |
Noninterest income to average assets | 0.7759% | 2,232 |
Noninterest expense to average assets | 3.7013% | 1,245 |
Loan and lease loss provision to assets | 0.0052% | 4,368 |
Net operating income to assets | -0.0201% | 6,371 |
Return on assets (ROA) | -0.0201% | 6,436 |
Pretax return on assets | -0.0201% | 6,426 |
Return on Equity (ROE) | -0.1600% | 6,438 |
Retained earnings to average equity (ytd only) | -0.1600% | 5,808 |
Net charge-offs to loans | 1.3211% | 430 |
Credit loss provision to net charge-offs | 0.6445% | 3,235 |
Earnings coverage of net charge-offs (x) | -0.0183% | 3,830 |
Efficiency ratio | 100.4029% | 533 |
Assets per employee ($millions) | 2.6606% | 6,444 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.7717% | 848 |
Loan loss allowance to noncurrent loans | 63.7918% | 4,563 |
Noncurrent assets plus other real estate owned to assets | 2.9569% | 1,522 |
Noncurrent loans to loans | 4.3449% | 986 |
Net loans and leases to total assets | 59.8247% | 3,456 |
Net loans and leases to deposits | 70.9320% | 3,334 |
Net loans and leases to core deposits | 71.7762% | 3,851 |
Total domestic deposits to total assets | 84.3410% | 4,338 |
Equity capital to assets | 12.5964% | 1,655 |
Core capital (leverage) ratio | 11.1151% | 2,166 |
Tier 1 risk-based capital ratio | 19.4150% | 1,937 |
Total risk-based capital ratio | 20.6869% | 1,902 |
Memoranda: | ||
Average total assets | $457,786,500 | 1,470 |
Average earning assets | $415,538,000 | 1,484 |
Average equity | $57,511,000 | 1,270 |
Average total loans | $281,893,000 | 1,510 |
2012-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9304% | 5,490 |
Cost of funding earning assets | 0.5864% | 4,478 |
Net interest margin | 3.3441% | 5,092 |
Noninterest income to average assets | 0.8134% | 2,203 |
Noninterest expense to average assets | 3.4842% | 1,851 |
Loan and lease loss provision to assets | 0.3909% | 1,666 |
Net operating income to assets | -0.0140% | 6,188 |
Return on assets (ROA) | -0.0140% | 6,318 |
Pretax return on assets | -0.0140% | 6,298 |
Return on Equity (ROE) | -0.1130% | 6,319 |
Retained earnings to average equity (ytd only) | -0.1130% | 5,870 |
Net charge-offs to loans | 0.7942% | 1,475 |
Credit loss provision to net charge-offs | 76.9983% | 3,930 |
Earnings coverage of net charge-offs (x) | 0.7423% | 5,107 |
Efficiency ratio | 90.2404% | 1,047 |
Assets per employee ($millions) | 2.8258% | 6,277 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.0594% | 629 |
Loan loss allowance to noncurrent loans | 63.9941% | 4,490 |
Noncurrent assets plus other real estate owned to assets | 3.2720% | 1,409 |
Noncurrent loans to loans | 4.7808% | 860 |
Net loans and leases to total assets | 59.7387% | 3,648 |
Net loans and leases to deposits | 70.3054% | 3,666 |
Net loans and leases to core deposits | 71.0596% | 4,161 |
Total domestic deposits to total assets | 84.9703% | 3,878 |
Equity capital to assets | 12.5297% | 1,688 |
Core capital (leverage) ratio | 11.0234% | 2,236 |
Tier 1 risk-based capital ratio | 19.3886% | 1,844 |
Total risk-based capital ratio | 20.6652% | 1,803 |
Memoranda: | ||
Average total assets | $463,347,600 | 1,423 |
Average earning assets | $422,270,000 | 1,426 |
Average equity | $57,529,800 | 1,237 |
Average total loans | $296,157,000 | 1,418 |
2012-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9661% | 5,614 |
Cost of funding earning assets | 0.6166% | 4,483 |
Net interest margin | 3.3494% | 5,215 |
Noninterest income to average assets | 0.8324% | 2,109 |
Noninterest expense to average assets | 3.4638% | 1,850 |
Loan and lease loss provision to assets | 0.5201% | 1,157 |
Net operating income to assets | -0.0940% | 6,400 |
Return on assets (ROA) | -0.0940% | 6,493 |
Pretax return on assets | -0.0940% | 6,476 |
Return on Equity (ROE) | -0.7585% | 6,484 |
Retained earnings to average equity (ytd only) | -0.7585% | 6,235 |
Net charge-offs to loans | 0.5329% | 2,010 |
Credit loss provision to net charge-offs | 151.3378% | 1,866 |
Earnings coverage of net charge-offs (x) | 1.2400% | 4,668 |
Efficiency ratio | 89.0456% | 1,111 |
Assets per employee ($millions) | 2.7465% | 6,437 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.4492% | 485 |
Loan loss allowance to noncurrent loans | 48.9600% | 5,185 |
Noncurrent assets plus other real estate owned to assets | 4.7109% | 965 |
Noncurrent loans to loans | 7.0449% | 514 |
Net loans and leases to total assets | 60.4088% | 3,692 |
Net loans and leases to deposits | 72.1144% | 3,596 |
Net loans and leases to core deposits | 73.0131% | 4,118 |
Total domestic deposits to total assets | 83.7679% | 4,330 |
Equity capital to assets | 12.6398% | 1,802 |
Core capital (leverage) ratio | 10.9162% | 2,468 |
Tier 1 risk-based capital ratio | 19.3502% | 1,905 |
Total risk-based capital ratio | 20.6322% | 1,875 |
Memoranda: | ||
Average total assets | $464,032,250 | 1,441 |
Average earning assets | $423,583,250 | 1,440 |
Average equity | $57,484,000 | 1,243 |
Average total loans | $299,234,750 | 1,414 |
2012-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0506% | 5,484 |
Cost of funding earning assets | 0.6548% | 4,400 |
Net interest margin | 3.3957% | 5,106 |
Noninterest income to average assets | 0.8724% | 1,884 |
Noninterest expense to average assets | 3.4088% | 2,008 |
Loan and lease loss provision to assets | 0.7730% | 666 |
Net operating income to assets | -0.2117% | 6,559 |
Return on assets (ROA) | -0.2117% | 6,622 |
Pretax return on assets | -0.2117% | 6,594 |
Return on Equity (ROE) | -1.7202% | 6,601 |
Retained earnings to average equity (ytd only) | -1.7202% | 6,320 |
Net charge-offs to loans | 0.6956% | 1,592 |
Credit loss provision to net charge-offs | 170.6717% | 1,642 |
Earnings coverage of net charge-offs (x) | 1.2394% | 4,388 |
Efficiency ratio | 85.8608% | 1,448 |
Assets per employee ($millions) | 2.8545% | 6,309 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.3834% | 545 |
Loan loss allowance to noncurrent loans | 50.1635% | 5,112 |
Noncurrent assets plus other real estate owned to assets | 4.6733% | 1,039 |
Noncurrent loans to loans | 6.7448% | 598 |
Net loans and leases to total assets | 61.5781% | 3,514 |
Net loans and leases to deposits | 73.5772% | 3,364 |
Net loans and leases to core deposits | 74.5092% | 3,954 |
Total domestic deposits to total assets | 83.6918% | 4,443 |
Equity capital to assets | 12.3792% | 1,895 |
Core capital (leverage) ratio | 10.8022% | 2,478 |
Tier 1 risk-based capital ratio | 19.0701% | 1,949 |
Total risk-based capital ratio | 20.3524% | 1,920 |
Memoranda: | ||
Average total assets | $466,735,000 | 1,431 |
Average earning assets | $425,768,000 | 1,436 |
Average equity | $57,436,000 | 1,233 |
Average total loans | $303,894,000 | 1,390 |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1417% | 5,307 |
Cost of funding earning assets | 0.7018% | 4,272 |
Net interest margin | 3.4399% | 4,956 |
Noninterest income to average assets | 0.7047% | 2,638 |
Noninterest expense to average assets | 3.2767% | 2,367 |
Loan and lease loss provision to assets | 0.7678% | 650 |
Net operating income to assets | -0.1996% | 6,638 |
Return on assets (ROA) | -0.1996% | 6,687 |
Pretax return on assets | -0.1996% | 6,663 |
Return on Equity (ROE) | -1.6269% | 6,661 |
Retained earnings to average equity (ytd only) | -1.6269% | 6,234 |
Net charge-offs to loans | 0.0428% | 4,092 |
Credit loss provision to net charge-offs | 2,727.2727% | 107 |
Earnings coverage of net charge-offs (x) | 20.1818% | 1,197 |
Efficiency ratio | 85.2230% | 1,559 |
Assets per employee ($millions) | 3.0597% | 6,042 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.3245% | 610 |
Loan loss allowance to noncurrent loans | 55.8155% | 4,750 |
Noncurrent assets plus other real estate owned to assets | 4.2058% | 1,291 |
Noncurrent loans to loans | 5.9562% | 842 |
Net loans and leases to total assets | 63.1036% | 3,020 |
Net loans and leases to deposits | 75.9725% | 2,797 |
Net loans and leases to core deposits | 76.8810% | 3,489 |
Total domestic deposits to total assets | 83.0612% | 4,900 |
Equity capital to assets | 12.3675% | 1,810 |
Core capital (leverage) ratio | 10.8501% | 2,389 |
Tier 1 risk-based capital ratio | 18.5630% | 2,124 |
Total risk-based capital ratio | 19.8442% | 2,079 |
Memoranda: | ||
Average total assets | $468,884,000 | 1,430 |
Average earning assets | $428,032,500 | 1,434 |
Average equity | $57,531,000 | 1,232 |
Average total loans | $308,475,000 | 1,376 |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5577% | 4,844 |
Cost of funding earning assets | 0.8824% | 4,236 |
Net interest margin | 3.6753% | 4,412 |
Noninterest income to average assets | 0.4591% | 4,151 |
Noninterest expense to average assets | 3.1988% | 2,873 |
Loan and lease loss provision to assets | 2.0314% | 288 |
Net operating income to assets | -1.4228% | 6,887 |
Return on assets (ROA) | -1.4232% | 6,908 |
Pretax return on assets | -1.4161% | 6,872 |
Return on Equity (ROE) | -11.7809% | 6,793 |
Retained earnings to average equity (ytd only) | -11.7809% | 6,760 |
Net charge-offs to loans | 2.9458% | 336 |
Credit loss provision to net charge-offs | 98.0142% | 3,666 |
Earnings coverage of net charge-offs (x) | 0.2971% | 5,602 |
Efficiency ratio | 83.8572% | 1,779 |
Assets per employee ($millions) | 3.0497% | 5,994 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.9437% | 856 |
Loan loss allowance to noncurrent loans | 50.3686% | 4,998 |
Noncurrent assets plus other real estate owned to assets | 4.3681% | 1,265 |
Noncurrent loans to loans | 5.8443% | 869 |
Net loans and leases to total assets | 64.3449% | 3,106 |
Net loans and leases to deposits | 78.2266% | 2,800 |
Net loans and leases to core deposits | 79.2006% | 3,552 |
Total domestic deposits to total assets | 82.2545% | 5,046 |
Equity capital to assets | 12.1737% | 1,995 |
Core capital (leverage) ratio | 10.6103% | 2,610 |
Tier 1 risk-based capital ratio | 18.1592% | 2,143 |
Total risk-based capital ratio | 19.4354% | 2,109 |
Memoranda: | ||
Average total assets | $502,942,400 | 1,332 |
Average earning assets | $459,177,200 | 1,331 |
Average equity | $60,759,400 | 1,110 |
Average total loans | $353,857,600 | 1,197 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6206% | 4,788 |
Cost of funding earning assets | 0.9278% | 4,214 |
Net interest margin | 3.6928% | 4,373 |
Noninterest income to average assets | 0.5717% | 3,370 |
Noninterest expense to average assets | 3.1633% | 2,947 |
Loan and lease loss provision to assets | 2.0126% | 268 |
Net operating income to assets | -1.2390% | 6,973 |
Return on assets (ROA) | -1.2390% | 6,991 |
Pretax return on assets | -1.2320% | 6,950 |
Return on Equity (ROE) | -10.2743% | 6,896 |
Retained earnings to average equity (ytd only) | -10.2743% | 6,861 |
Net charge-offs to loans | 2.3342% | 499 |
Credit loss provision to net charge-offs | 120.9353% | 2,681 |
Earnings coverage of net charge-offs (x) | 0.4691% | 5,272 |
Efficiency ratio | 80.2066% | 2,230 |
Assets per employee ($millions) | 3.2186% | 5,633 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.1887% | 729 |
Loan loss allowance to noncurrent loans | 48.3387% | 5,121 |
Noncurrent assets plus other real estate owned to assets | 5.5973% | 990 |
Noncurrent loans to loans | 6.5966% | 795 |
Net loans and leases to total assets | 67.7034% | 2,535 |
Net loans and leases to deposits | 83.0225% | 2,170 |
Net loans and leases to core deposits | 84.3539% | 3,011 |
Total domestic deposits to total assets | 81.5483% | 5,238 |
Equity capital to assets | 12.4440% | 1,953 |
Core capital (leverage) ratio | 10.9680% | 2,419 |
Tier 1 risk-based capital ratio | 17.6297% | 2,387 |
Total risk-based capital ratio | 18.9092% | 2,342 |
Memoranda: | ||
Average total assets | $510,502,750 | 1,317 |
Average earning assets | $466,193,750 | 1,313 |
Average equity | $61,563,000 | 1,100 |
Average total loans | $363,976,000 | 1,177 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6561% | 4,728 |
Cost of funding earning assets | 0.9839% | 4,058 |
Net interest margin | 3.6722% | 4,396 |
Noninterest income to average assets | 0.6218% | 2,996 |
Noninterest expense to average assets | 3.3343% | 2,453 |
Loan and lease loss provision to assets | 2.2323% | 252 |
Net operating income to assets | -1.5908% | 7,122 |
Return on assets (ROA) | -1.5908% | 7,134 |
Pretax return on assets | -1.5839% | 7,093 |
Return on Equity (ROE) | -13.3230% | 7,021 |
Retained earnings to average equity (ytd only) | -13.3230% | 6,983 |
Net charge-offs to loans | 3.3244% | 282 |
Credit loss provision to net charge-offs | 93.6249% | 3,357 |
Earnings coverage of net charge-offs (x) | 0.2719% | 5,107 |
Efficiency ratio | 83.7198% | 1,852 |
Assets per employee ($millions) | 3.3044% | 5,417 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.5528% | 1,364 |
Loan loss allowance to noncurrent loans | 50.9069% | 4,969 |
Noncurrent assets plus other real estate owned to assets | 4.6869% | 1,333 |
Noncurrent loans to loans | 5.0145% | 1,301 |
Net loans and leases to total assets | 69.1381% | 2,388 |
Net loans and leases to deposits | 84.8995% | 1,962 |
Net loans and leases to core deposits | 86.1950% | 2,877 |
Total domestic deposits to total assets | 81.4353% | 5,373 |
Equity capital to assets | 12.1005% | 2,026 |
Core capital (leverage) ratio | 10.4823% | 2,728 |
Tier 1 risk-based capital ratio | 17.0005% | 2,519 |
Total risk-based capital ratio | 18.2708% | 2,488 |
Memoranda: | ||
Average total assets | $519,742,000 | 1,295 |
Average earning assets | $475,682,000 | 1,292 |
Average equity | $62,058,000 | 1,088 |
Average total loans | $372,758,670 | 1,170 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6512% | 4,741 |
Cost of funding earning assets | 1.0382% | 3,932 |
Net interest margin | 3.6130% | 4,513 |
Noninterest income to average assets | 0.6745% | 2,708 |
Noninterest expense to average assets | 3.2113% | 2,861 |
Loan and lease loss provision to assets | 1.4276% | 459 |
Net operating income to assets | -0.6572% | 6,898 |
Return on assets (ROA) | -0.6572% | 6,900 |
Pretax return on assets | -0.6504% | 6,844 |
Return on Equity (ROE) | -5.5391% | 6,839 |
Retained earnings to average equity (ytd only) | -5.5391% | 6,557 |
Net charge-offs to loans | 1.8015% | 720 |
Credit loss provision to net charge-offs | 109.9361% | 2,429 |
Earnings coverage of net charge-offs (x) | 0.5985% | 4,178 |
Efficiency ratio | 80.5146% | 2,438 |
Assets per employee ($millions) | 3.3411% | 5,389 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.5979% | 1,316 |
Loan loss allowance to noncurrent loans | 45.5940% | 5,268 |
Noncurrent assets plus other real estate owned to assets | 5.2369% | 1,188 |
Noncurrent loans to loans | 5.6979% | 1,141 |
Net loans and leases to total assets | 69.5246% | 2,217 |
Net loans and leases to deposits | 86.1108% | 1,713 |
Net loans and leases to core deposits | 88.1188% | 2,582 |
Total domestic deposits to total assets | 80.7385% | 5,737 |
Equity capital to assets | 12.0806% | 1,869 |
Core capital (leverage) ratio | 10.7817% | 2,370 |
Tier 1 risk-based capital ratio | 17.2655% | 2,385 |
Total risk-based capital ratio | 18.5367% | 2,350 |
Memoranda: | ||
Average total assets | $530,132,000 | 1,278 |
Average earning assets | $486,244,500 | 1,266 |
Average equity | $62,898,500 | 1,067 |
Average total loans | $382,133,000 | 1,151 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1468% | 3,870 |
Cost of funding earning assets | 1.3672% | 3,473 |
Net interest margin | 3.7796% | 4,031 |
Noninterest income to average assets | 0.7428% | 2,575 |
Noninterest expense to average assets | 3.3848% | 2,476 |
Loan and lease loss provision to assets | 0.7667% | 2,134 |
Net operating income to assets | 0.0545% | 5,684 |
Return on assets (ROA) | 0.1888% | 5,480 |
Pretax return on assets | 0.1888% | 5,513 |
Return on Equity (ROE) | 1.6457% | 5,512 |
Retained earnings to average equity (ytd only) | 1.6457% | 4,694 |
Net charge-offs to loans | 1.8141% | 1,162 |
Credit loss provision to net charge-offs | 55.2301% | 6,174 |
Earnings coverage of net charge-offs (x) | 0.5916% | 5,513 |
Efficiency ratio | 80.4740% | 2,350 |
Assets per employee ($millions) | 3.2873% | 5,461 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.3901% | 1,555 |
Loan loss allowance to noncurrent loans | 75.7347% | 3,699 |
Noncurrent assets plus other real estate owned to assets | 3.5177% | 1,965 |
Noncurrent loans to loans | 3.1559% | 2,411 |
Net loans and leases to total assets | 71.0155% | 2,299 |
Net loans and leases to deposits | 88.7862% | 1,679 |
Net loans and leases to core deposits | 91.8501% | 2,519 |
Total domestic deposits to total assets | 79.9849% | 5,836 |
Equity capital to assets | 11.6585% | 2,154 |
Core capital (leverage) ratio | 10.4730% | 2,589 |
Tier 1 risk-based capital ratio | 16.4926% | 2,521 |
Total risk-based capital ratio | 17.7609% | 2,489 |
Memoranda: | ||
Average total assets | $555,724,400 | 1,210 |
Average earning assets | $509,208,400 | 1,207 |
Average equity | $63,743,600 | 1,046 |
Average total loans | $425,269,000 | 1,049 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1740% | 3,964 |
Cost of funding earning assets | 1.4259% | 3,420 |
Net interest margin | 3.7481% | 4,195 |
Noninterest income to average assets | 0.7369% | 2,597 |
Noninterest expense to average assets | 3.3508% | 2,428 |
Loan and lease loss provision to assets | 0.6022% | 2,536 |
Net operating income to assets | 0.2180% | 5,453 |
Return on assets (ROA) | 0.3456% | 5,159 |
Pretax return on assets | 0.3456% | 5,381 |
Return on Equity (ROE) | 3.0248% | 5,209 |
Retained earnings to average equity (ytd only) | 3.0248% | 4,315 |
Net charge-offs to loans | 1.9984% | 945 |
Credit loss provision to net charge-offs | 38.9120% | 6,030 |
Earnings coverage of net charge-offs (x) | 0.5300% | 5,497 |
Efficiency ratio | 80.3362% | 2,291 |
Assets per employee ($millions) | 3.2141% | 5,645 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1618% | 1,871 |
Loan loss allowance to noncurrent loans | 53.7794% | 4,711 |
Noncurrent assets plus other real estate owned to assets | 4.1355% | 1,666 |
Noncurrent loans to loans | 4.0198% | 1,870 |
Net loans and leases to total assets | 73.0399% | 2,010 |
Net loans and leases to deposits | 92.8739% | 1,346 |
Net loans and leases to core deposits | 96.1981% | 2,234 |
Total domestic deposits to total assets | 78.6442% | 6,107 |
Equity capital to assets | 11.6948% | 2,363 |
Core capital (leverage) ratio | 10.4873% | 2,702 |
Tier 1 risk-based capital ratio | 15.5975% | 2,945 |
Total risk-based capital ratio | 16.8620% | 2,905 |
Memoranda: | ||
Average total assets | $559,055,250 | 1,206 |
Average earning assets | $512,215,000 | 1,212 |
Average equity | $63,870,500 | 1,045 |
Average total loans | $432,931,000 | 1,041 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2716% | 3,597 |
Cost of funding earning assets | 1.4883% | 3,314 |
Net interest margin | 3.7833% | 3,970 |
Noninterest income to average assets | 0.6205% | 3,192 |
Noninterest expense to average assets | 3.3429% | 2,421 |
Loan and lease loss provision to assets | 0.4320% | 3,157 |
Net operating income to assets | 0.3076% | 5,147 |
Return on assets (ROA) | 0.3076% | 5,301 |
Pretax return on assets | 0.3076% | 5,473 |
Return on Equity (ROE) | 2.7134% | 5,363 |
Retained earnings to average equity (ytd only) | 2.7134% | 4,409 |
Net charge-offs to loans | 1.5170% | 1,259 |
Credit loss provision to net charge-offs | 36.3418% | 5,655 |
Earnings coverage of net charge-offs (x) | 0.6222% | 5,117 |
Efficiency ratio | 81.8841% | 2,184 |
Assets per employee ($millions) | 3.2273% | 5,612 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.4968% | 1,304 |
Loan loss allowance to noncurrent loans | 56.0310% | 4,572 |
Noncurrent assets plus other real estate owned to assets | 4.5198% | 1,463 |
Noncurrent loans to loans | 4.4561% | 1,639 |
Net loans and leases to total assets | 75.7201% | 1,540 |
Net loans and leases to deposits | 96.2623% | 1,021 |
Net loans and leases to core deposits | 99.9273% | 2,023 |
Total domestic deposits to total assets | 78.6601% | 6,121 |
Equity capital to assets | 11.6097% | 2,351 |
Core capital (leverage) ratio | 10.3245% | 2,800 |
Tier 1 risk-based capital ratio | 14.3757% | 3,504 |
Total risk-based capital ratio | 15.6439% | 3,469 |
Memoranda: | ||
Average total assets | $561,131,000 | 1,211 |
Average earning assets | $513,471,670 | 1,208 |
Average equity | $63,610,000 | 1,049 |
Average total loans | $439,672,330 | 1,033 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3099% | 3,497 |
Cost of funding earning assets | 1.5653% | 3,171 |
Net interest margin | 3.7446% | 4,036 |
Noninterest income to average assets | 0.5757% | 3,452 |
Noninterest expense to average assets | 3.3310% | 2,427 |
Loan and lease loss provision to assets | 0.4283% | 2,818 |
Net operating income to assets | 0.2311% | 5,573 |
Return on assets (ROA) | 0.2311% | 5,692 |
Pretax return on assets | 0.2375% | 5,773 |
Return on Equity (ROE) | 2.0635% | 5,739 |
Retained earnings to average equity (ytd only) | 2.0635% | 4,891 |
Net charge-offs to loans | 1.7839% | 972 |
Credit loss provision to net charge-offs | 30.5051% | 4,805 |
Earnings coverage of net charge-offs (x) | 0.4742% | 4,599 |
Efficiency ratio | 83.3422% | 2,096 |
Assets per employee ($millions) | 3.1172% | 5,962 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.6234% | 1,151 |
Loan loss allowance to noncurrent loans | 94.1744% | 2,927 |
Noncurrent assets plus other real estate owned to assets | 3.8151% | 1,820 |
Noncurrent loans to loans | 2.7857% | 2,872 |
Net loans and leases to total assets | 76.1424% | 1,512 |
Net loans and leases to deposits | 96.8644% | 1,012 |
Net loans and leases to core deposits | 100.2833% | 2,102 |
Total domestic deposits to total assets | 78.6073% | 6,172 |
Equity capital to assets | 11.3222% | 2,486 |
Core capital (leverage) ratio | 10.1036% | 3,037 |
Tier 1 risk-based capital ratio | 13.6902% | 3,871 |
Total risk-based capital ratio | 14.9593% | 3,810 |
Memoranda: | ||
Average total assets | $564,152,500 | 1,234 |
Average earning assets | $515,414,000 | 1,231 |
Average equity | $63,193,000 | 1,058 |
Average total loans | $443,970,500 | 1,050 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.5655% | 3,784 |
Cost of funding earning assets | 2.1382% | 2,289 |
Net interest margin | 3.4273% | 5,263 |
Noninterest income to average assets | 0.5474% | 4,048 |
Noninterest expense to average assets | 3.2417% | 3,224 |
Loan and lease loss provision to assets | 1.4461% | 1,593 |
Net operating income to assets | -0.9928% | 6,574 |
Return on assets (ROA) | -0.9928% | 6,577 |
Pretax return on assets | -0.9866% | 6,402 |
Return on Equity (ROE) | -9.1245% | 6,549 |
Retained earnings to average equity (ytd only) | -9.1245% | 6,444 |
Net charge-offs to loans | 0.8893% | 2,618 |
Credit loss provision to net charge-offs | 202.7407% | 1,913 |
Earnings coverage of net charge-offs (x) | 0.6442% | 5,451 |
Efficiency ratio | 87.5855% | 1,922 |
Assets per employee ($millions) | 2.9088% | 6,434 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.8686% | 868 |
Loan loss allowance to noncurrent loans | 105.4415% | 2,670 |
Noncurrent assets plus other real estate owned to assets | 3.4980% | 1,922 |
Noncurrent loans to loans | 2.7206% | 2,844 |
Net loans and leases to total assets | 76.9228% | 1,597 |
Net loans and leases to deposits | 96.6310% | 1,254 |
Net loans and leases to core deposits | 111.6446% | 2,731 |
Total domestic deposits to total assets | 79.6047% | 5,813 |
Equity capital to assets | 11.0819% | 2,644 |
Core capital (leverage) ratio | 9.7706% | 3,367 |
Tier 1 risk-based capital ratio | 13.3194% | 3,933 |
Total risk-based capital ratio | 14.5918% | 3,866 |
Memoranda: | ||
Average total assets | $588,264,200 | 1,170 |
Average earning assets | $541,335,400 | 1,165 |
Average equity | $64,003,800 | 1,034 |
Average total loans | $471,853,200 | 1,020 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.5550% | 4,122 |
Cost of funding earning assets | 2.2399% | 2,235 |
Net interest margin | 3.3151% | 5,580 |
Noninterest income to average assets | 0.5445% | 4,124 |
Noninterest expense to average assets | 3.0587% | 3,810 |
Loan and lease loss provision to assets | 1.0336% | 1,855 |
Net operating income to assets | -0.4974% | 6,421 |
Return on assets (ROA) | -0.4962% | 6,425 |
Pretax return on assets | -0.4902% | 6,284 |
Return on Equity (ROE) | -4.5812% | 6,409 |
Retained earnings to average equity (ytd only) | -4.5812% | 6,202 |
Net charge-offs to loans | 0.9108% | 2,148 |
Credit loss provision to net charge-offs | 141.0484% | 3,482 |
Earnings coverage of net charge-offs (x) | 0.7400% | 5,300 |
Efficiency ratio | 84.9407% | 2,194 |
Assets per employee ($millions) | 3.1257% | 5,841 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1503% | 1,501 |
Loan loss allowance to noncurrent loans | 90.5305% | 3,037 |
Noncurrent assets plus other real estate owned to assets | 3.1772% | 2,136 |
Noncurrent loans to loans | 2.3752% | 3,173 |
Net loans and leases to total assets | 77.1821% | 1,747 |
Net loans and leases to deposits | 97.8954% | 1,343 |
Net loans and leases to core deposits | 117.2183% | 2,505 |
Total domestic deposits to total assets | 78.8415% | 5,855 |
Equity capital to assets | 11.4071% | 2,665 |
Core capital (leverage) ratio | 10.1086% | 3,165 |
Tier 1 risk-based capital ratio | 13.6434% | 3,751 |
Total risk-based capital ratio | 14.9059% | 3,682 |
Memoranda: | ||
Average total assets | $593,527,000 | 1,175 |
Average earning assets | $547,215,000 | 1,165 |
Average equity | $64,290,250 | 1,044 |
Average total loans | $477,516,000 | 1,024 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.5690% | 4,223 |
Cost of funding earning assets | 2.3420% | 2,194 |
Net interest margin | 3.2270% | 5,815 |
Noninterest income to average assets | 0.5016% | 4,430 |
Noninterest expense to average assets | 2.8773% | 4,591 |
Loan and lease loss provision to assets | 1.1657% | 1,475 |
Net operating income to assets | -0.5770% | 6,629 |
Return on assets (ROA) | -0.5753% | 6,638 |
Pretax return on assets | -0.5693% | 6,496 |
Return on Equity (ROE) | -5.4052% | 6,648 |
Retained earnings to average equity (ytd only) | -5.4052% | 6,355 |
Net charge-offs to loans | 0.8783% | 1,938 |
Credit loss provision to net charge-offs | 163.9321% | 2,798 |
Earnings coverage of net charge-offs (x) | 0.8364% | 4,912 |
Efficiency ratio | 82.8698% | 2,619 |
Assets per employee ($millions) | 3.3020% | 5,314 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1056% | 1,383 |
Loan loss allowance to noncurrent loans | 98.0549% | 2,947 |
Noncurrent assets plus other real estate owned to assets | 2.5131% | 2,562 |
Noncurrent loans to loans | 2.1473% | 3,316 |
Net loans and leases to total assets | 75.9938% | 2,180 |
Net loans and leases to deposits | 94.7950% | 1,976 |
Net loans and leases to core deposits | 117.8010% | 2,557 |
Total domestic deposits to total assets | 80.1665% | 5,410 |
Equity capital to assets | 10.4630% | 3,449 |
Core capital (leverage) ratio | 9.5173% | 3,859 |
Tier 1 risk-based capital ratio | 12.6685% | 4,382 |
Total risk-based capital ratio | 13.9303% | 4,289 |
Memoranda: | ||
Average total assets | $596,532,330 | 1,190 |
Average earning assets | $549,110,670 | 1,179 |
Average equity | $63,495,000 | 1,070 |
Average total loans | $483,004,000 | 1,040 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.5637% | 4,554 |
Cost of funding earning assets | 2.3682% | 2,424 |
Net interest margin | 3.1956% | 5,872 |
Noninterest income to average assets | 0.4406% | 4,867 |
Noninterest expense to average assets | 2.8764% | 4,244 |
Loan and lease loss provision to assets | 0.8744% | 1,502 |
Net operating income to assets | -0.3756% | 6,758 |
Return on assets (ROA) | -0.3756% | 6,836 |
Pretax return on assets | -0.3695% | 6,724 |
Return on Equity (ROE) | -3.4984% | 6,839 |
Retained earnings to average equity (ytd only) | -3.4984% | 6,364 |
Net charge-offs to loans | 0.7932% | 1,628 |
Credit loss provision to net charge-offs | 133.3333% | 3,026 |
Earnings coverage of net charge-offs (x) | 0.7699% | 4,407 |
Efficiency ratio | 85.0681% | 2,187 |
Assets per employee ($millions) | 3.2588% | 5,428 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8326% | 1,775 |
Loan loss allowance to noncurrent loans | 77.2530% | 3,788 |
Noncurrent assets plus other real estate owned to assets | 2.6366% | 2,178 |
Noncurrent loans to loans | 2.3722% | 2,772 |
Net loans and leases to total assets | 78.2153% | 1,771 |
Net loans and leases to deposits | 97.3925% | 1,757 |
Net loans and leases to core deposits | 123.9005% | 2,090 |
Total domestic deposits to total assets | 80.3094% | 5,239 |
Equity capital to assets | 10.3730% | 3,588 |
Core capital (leverage) ratio | 9.6972% | 3,762 |
Tier 1 risk-based capital ratio | 11.9868% | 4,977 |
Total risk-based capital ratio | 13.2448% | 4,852 |
Memoranda: | ||
Average total assets | $591,010,000 | 1,207 |
Average earning assets | $543,879,000 | 1,194 |
Average equity | $63,457,000 | 1,075 |
Average total loans | $488,680,000 | 1,035 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.3839% | 3,503 |
Cost of funding earning assets | 2.6784% | 3,271 |
Net interest margin | 3.7055% | 4,451 |
Noninterest income to average assets | 0.4802% | 4,796 |
Noninterest expense to average assets | 2.7887% | 4,869 |
Loan and lease loss provision to assets | 0.7493% | 1,990 |
Net operating income to assets | 0.3477% | 5,360 |
Return on assets (ROA) | 0.3477% | 5,173 |
Pretax return on assets | 0.3542% | 5,380 |
Return on Equity (ROE) | 2.9864% | 5,241 |
Retained earnings to average equity (ytd only) | -1.9915% | 5,866 |
Net charge-offs to loans | 0.2945% | 3,434 |
Credit loss provision to net charge-offs | 294.5186% | 1,535 |
Earnings coverage of net charge-offs (x) | 4.3373% | 4,013 |
Efficiency ratio | 71.6491% | 4,005 |
Assets per employee ($millions) | 3.0622% | 5,887 |
Cash dividends to net income (ytd only)* | 166.6838% | 412 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7435% | 1,787 |
Loan loss allowance to noncurrent loans | 85.7243% | 3,935 |
Noncurrent assets plus other real estate owned to assets | 2.4380% | 1,988 |
Noncurrent loans to loans | 2.0338% | 2,721 |
Net loans and leases to total assets | 84.3914% | 822 |
Net loans and leases to deposits | 108.0499% | 969 |
Net loans and leases to core deposits | 131.4423% | 1,761 |
Total domestic deposits to total assets | 78.1041% | 5,676 |
Equity capital to assets | 11.1244% | 2,945 |
Core capital (leverage) ratio | 10.2094% | 3,254 |
Tier 1 risk-based capital ratio | 11.7042% | 5,054 |
Total risk-based capital ratio | 12.9605% | 4,949 |
Memoranda: | ||
Average total assets | $559,338,600 | 1,212 |
Average earning assets | $515,016,600 | 1,203 |
Average equity | $65,128,400 | 1,029 |
Average total loans | $483,202,000 | 991 |