Home > Morgan Federal Bank > Performance and Condition Ratios
Morgan Federal Bank, Performance and Condition Ratios
2017-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4615% | 4,882 |
Cost of funding earning assets | 0.5178% | 2,128 |
Net interest margin | 2.9437% | 5,029 |
Noninterest income to average assets | 0.7761% | 1,678 |
Noninterest expense to average assets | 5.0509% | 219 |
Loan and lease loss provision to assets | 0.0000% | 4,088 |
Net operating income to assets | -1.2887% | 5,689 |
Return on assets (ROA) | -1.1095% | 5,675 |
Pretax return on assets | -1.3314% | 5,689 |
Return on Equity (ROE) | -10.1615% | 5,669 |
Retained earnings to average equity (ytd only) | -14.6656% | 5,660 |
Net charge-offs to loans | 0.0000% | 3,796 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 142.7936% | 29 |
Assets per employee ($millions) | 4.2519% | 3,561 |
Cash dividends to net income (ytd only)* | -44.3242% | 5,724 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.7043% | 5,130 |
Loan loss allowance to noncurrent loans | 36,500.0000% | 31 |
Noncurrent assets plus other real estate owned to assets | 0.0009% | 5,280 |
Noncurrent loans to loans | 0.0019% | 5,155 |
Net loans and leases to total assets | 48.4115% | 4,805 |
Net loans and leases to deposits | 56.0799% | 4,870 |
Net loans and leases to core deposits | 58.9016% | 4,875 |
Total domestic deposits to total assets | 86.3260% | 2,164 |
Equity capital to assets | 10.5299% | 3,344 |
Core capital (leverage) ratio | 9.8028% | 3,818 |
Tier 1 risk-based capital ratio | 18.1282% | 1,824 |
Total risk-based capital ratio | 18.7308% | 1,962 |
Memoranda: | ||
Average total assets | $111,158,750 | 4,086 |
Average earning assets | $102,997,000 | 4,090 |
Average equity | $12,137,000 | 4,153 |
Average total loans | $52,194,000 | 4,441 |
2017-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4333% | 4,906 |
Cost of funding earning assets | 0.4937% | 2,219 |
Net interest margin | 2.9395% | 5,019 |
Noninterest income to average assets | 1.2467% | 670 |
Noninterest expense to average assets | 3.2878% | 1,397 |
Loan and lease loss provision to assets | 0.0000% | 3,871 |
Net operating income to assets | 0.6081% | 4,267 |
Return on assets (ROA) | 0.8938% | 3,001 |
Pretax return on assets | 1.0037% | 3,561 |
Return on Equity (ROE) | 8.0953% | 2,970 |
Retained earnings to average equity (ytd only) | 1.5098% | 4,643 |
Net charge-offs to loans | 0.0000% | 3,512 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 81.6436% | 1,040 |
Assets per employee ($millions) | 4.4906% | 3,122 |
Cash dividends to net income (ytd only)* | 81.3492% | 823 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.7023% | 5,205 |
Loan loss allowance to noncurrent loans | 36,500.0000% | 22 |
Noncurrent assets plus other real estate owned to assets | 0.0009% | 5,328 |
Noncurrent loans to loans | 0.0019% | 5,204 |
Net loans and leases to total assets | 45.9720% | 4,953 |
Net loans and leases to deposits | 53.4000% | 4,998 |
Net loans and leases to core deposits | 63.8959% | 4,610 |
Total domestic deposits to total assets | 86.0899% | 2,339 |
Equity capital to assets | 11.2512% | 2,542 |
Core capital (leverage) ratio | 11.0347% | 2,368 |
Tier 1 risk-based capital ratio | 20.1304% | 1,344 |
Total risk-based capital ratio | 20.7227% | 1,435 |
Memoranda: | ||
Average total assets | $112,779,330 | 4,082 |
Average earning assets | $104,507,000 | 4,084 |
Average equity | $12,451,670 | 4,119 |
Average total loans | $52,317,000 | 4,460 |
2017-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3613% | 5,014 |
Cost of funding earning assets | 0.4421% | 2,596 |
Net interest margin | 2.9192% | 5,051 |
Noninterest income to average assets | 0.9519% | 1,101 |
Noninterest expense to average assets | 3.6625% | 816 |
Loan and lease loss provision to assets | 0.0000% | 3,537 |
Net operating income to assets | 0.4211% | 4,889 |
Return on assets (ROA) | 0.4211% | 4,910 |
Pretax return on assets | 0.0000% | 5,599 |
Return on Equity (ROE) | 3.8505% | 4,833 |
Retained earnings to average equity (ytd only) | 0.6148% | 4,771 |
Net charge-offs to loans | 0.0000% | 2,943 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 98.7440% | 248 |
Assets per employee ($millions) | 4.5078% | 3,159 |
Cash dividends to net income (ytd only)* | 84.0336% | 910 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.6962% | 5,318 |
Loan loss allowance to noncurrent loans | 3,650.0000% | 214 |
Noncurrent assets plus other real estate owned to assets | 0.0089% | 5,328 |
Noncurrent loans to loans | 0.0191% | 5,150 |
Net loans and leases to total assets | 46.1955% | 4,932 |
Net loans and leases to deposits | 53.6850% | 4,954 |
Net loans and leases to core deposits | 64.4570% | 4,512 |
Total domestic deposits to total assets | 86.0491% | 2,641 |
Equity capital to assets | 11.0244% | 2,608 |
Core capital (leverage) ratio | 10.8939% | 2,486 |
Tier 1 risk-based capital ratio | 18.1119% | 1,834 |
Total risk-based capital ratio | 18.6479% | 2,012 |
Memoranda: | ||
Average total assets | $113,037,000 | 4,111 |
Average earning assets | $104,959,500 | 4,102 |
Average equity | $12,362,000 | 4,153 |
Average total loans | $52,488,000 | 4,496 |
2016-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.2965% | 5,163 |
Cost of funding earning assets | 0.5019% | 2,077 |
Net interest margin | 2.7947% | 5,296 |
Noninterest income to average assets | 1.2326% | 749 |
Noninterest expense to average assets | 3.0921% | 2,062 |
Loan and lease loss provision to assets | 0.0017% | 4,311 |
Net operating income to assets | 0.6489% | 4,006 |
Return on assets (ROA) | 0.6795% | 3,988 |
Pretax return on assets | 0.7595% | 4,301 |
Return on Equity (ROE) | 6.3074% | 3,843 |
Retained earnings to average equity (ytd only) | 3.1138% | 3,689 |
Net charge-offs to loans | 0.0039% | 4,112 |
Credit loss provision to net charge-offs | 100.0000% | 2,563 |
Earnings coverage of net charge-offs (x) | 422.5000% | 191 |
Efficiency ratio | 79.9775% | 1,425 |
Assets per employee ($millions) | 4.3607% | 3,344 |
Cash dividends to net income (ytd only)* | 50.6329% | 2,266 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.6946% | 5,371 |
Loan loss allowance to noncurrent loans | 640.3509% | 869 |
Noncurrent assets plus other real estate owned to assets | 0.0503% | 5,141 |
Noncurrent loans to loans | 0.1085% | 4,798 |
Net loans and leases to total assets | 46.0279% | 5,015 |
Net loans and leases to deposits | 53.7684% | 5,022 |
Net loans and leases to core deposits | 64.5339% | 4,608 |
Total domestic deposits to total assets | 85.6040% | 2,777 |
Equity capital to assets | 10.8486% | 2,765 |
Core capital (leverage) ratio | 10.7617% | 2,578 |
Tier 1 risk-based capital ratio | 17.9015% | 1,878 |
Total risk-based capital ratio | 18.4321% | 2,054 |
Memoranda: | ||
Average total assets | $116,262,800 | 4,060 |
Average earning assets | $107,598,400 | 4,050 |
Average equity | $12,525,000 | 4,166 |
Average total loans | $51,361,800 | 4,539 |
2016-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.2889% | 5,229 |
Cost of funding earning assets | 0.5225% | 1,925 |
Net interest margin | 2.7664% | 5,412 |
Noninterest income to average assets | 1.2856% | 702 |
Noninterest expense to average assets | 3.1012% | 2,027 |
Loan and lease loss provision to assets | 0.0000% | 4,186 |
Net operating income to assets | 0.6765% | 3,980 |
Return on assets (ROA) | 0.7180% | 3,895 |
Pretax return on assets | 0.7887% | 4,339 |
Return on Equity (ROE) | 6.6764% | 3,736 |
Retained earnings to average equity (ytd only) | 3.4972% | 3,798 |
Net charge-offs to loans | 0.0000% | 3,952 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 79.7213% | 1,467 |
Assets per employee ($millions) | 4.4622% | 3,145 |
Cash dividends to net income (ytd only)* | 47.6190% | 2,005 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.6855% | 5,454 |
Loan loss allowance to noncurrent loans | 480.2632% | 1,102 |
Noncurrent assets plus other real estate owned to assets | 0.0655% | 5,181 |
Noncurrent loans to loans | 0.1427% | 4,769 |
Net loans and leases to total assets | 45.5808% | 5,115 |
Net loans and leases to deposits | 57.3180% | 4,916 |
Net loans and leases to core deposits | 68.4402% | 4,429 |
Total domestic deposits to total assets | 79.5227% | 4,615 |
Equity capital to assets | 11.1174% | 2,898 |
Core capital (leverage) ratio | 10.5971% | 2,881 |
Tier 1 risk-based capital ratio | 17.7610% | 1,988 |
Total risk-based capital ratio | 18.2902% | 2,171 |
Memoranda: | ||
Average total assets | $116,983,750 | 4,072 |
Average earning assets | $108,201,000 | 4,065 |
Average equity | $12,581,250 | 4,198 |
Average total loans | $51,064,500 | 4,584 |
2016-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.2783% | 5,330 |
Cost of funding earning assets | 0.5433% | 1,755 |
Net interest margin | 2.7350% | 5,522 |
Noninterest income to average assets | 1.2565% | 718 |
Noninterest expense to average assets | 3.0979% | 2,070 |
Loan and lease loss provision to assets | 0.0000% | 4,017 |
Net operating income to assets | 0.6564% | 4,014 |
Return on assets (ROA) | 0.7212% | 3,848 |
Pretax return on assets | 0.7587% | 4,425 |
Return on Equity (ROE) | 6.7812% | 3,656 |
Retained earnings to average equity (ytd only) | 3.5750% | 3,617 |
Net charge-offs to loans | 0.0000% | 3,689 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 81.7732% | 1,296 |
Assets per employee ($millions) | 4.1917% | 3,586 |
Cash dividends to net income (ytd only)* | 47.2813% | 2,098 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.6973% | 5,528 |
Loan loss allowance to noncurrent loans | 1,460.0000% | 421 |
Noncurrent assets plus other real estate owned to assets | 0.0213% | 5,513 |
Noncurrent loans to loans | 0.0478% | 5,271 |
Net loans and leases to total assets | 44.2901% | 5,213 |
Net loans and leases to deposits | 55.8328% | 5,026 |
Net loans and leases to core deposits | 65.6272% | 4,639 |
Total domestic deposits to total assets | 79.3264% | 4,710 |
Equity capital to assets | 11.0457% | 3,012 |
Core capital (leverage) ratio | 10.4083% | 3,068 |
Tier 1 risk-based capital ratio | 17.4679% | 2,073 |
Total risk-based capital ratio | 17.9930% | 2,287 |
Memoranda: | ||
Average total assets | $117,306,330 | 4,101 |
Average earning assets | $108,591,330 | 4,088 |
Average equity | $12,475,670 | 4,237 |
Average total loans | $50,337,330 | 4,635 |
2016-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.2643% | 5,387 |
Cost of funding earning assets | 0.5483% | 1,729 |
Net interest margin | 2.7160% | 5,593 |
Noninterest income to average assets | 0.9857% | 1,112 |
Noninterest expense to average assets | 3.1174% | 2,054 |
Loan and lease loss provision to assets | 0.0000% | 3,656 |
Net operating income to assets | 0.6003% | 4,171 |
Return on assets (ROA) | 0.6037% | 4,282 |
Pretax return on assets | 0.3888% | 5,331 |
Return on Equity (ROE) | 5.7883% | 4,084 |
Retained earnings to average equity (ytd only) | 2.5181% | 4,245 |
Net charge-offs to loans | 0.0000% | 3,094 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 88.9971% | 748 |
Assets per employee ($millions) | 4.1895% | 3,601 |
Cash dividends to net income (ytd only)* | 56.4972% | 1,541 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.7260% | 5,549 |
Loan loss allowance to noncurrent loans | 235.4839% | 1,974 |
Noncurrent assets plus other real estate owned to assets | 0.1321% | 5,049 |
Noncurrent loans to loans | 0.3083% | 4,322 |
Net loans and leases to total assets | 42.5472% | 5,323 |
Net loans and leases to deposits | 52.2837% | 5,210 |
Net loans and leases to core deposits | 61.4860% | 4,842 |
Total domestic deposits to total assets | 81.3776% | 4,384 |
Equity capital to assets | 10.5443% | 3,435 |
Core capital (leverage) ratio | 10.2467% | 3,263 |
Tier 1 risk-based capital ratio | 17.9240% | 2,006 |
Total risk-based capital ratio | 18.4693% | 2,174 |
Memoranda: | ||
Average total assets | $117,276,000 | 4,135 |
Average earning assets | $108,690,000 | 4,112 |
Average equity | $12,231,500 | 4,293 |
Average total loans | $49,332,500 | 4,697 |
2015-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.2204% | 5,491 |
Cost of funding earning assets | 0.4708% | 2,433 |
Net interest margin | 2.7497% | 5,593 |
Noninterest income to average assets | 1.3501% | 661 |
Noninterest expense to average assets | 3.1897% | 1,991 |
Loan and lease loss provision to assets | 0.0305% | 3,760 |
Net operating income to assets | 0.5451% | 4,522 |
Return on assets (ROA) | 0.5596% | 4,554 |
Pretax return on assets | 0.6872% | 4,562 |
Return on Equity (ROE) | 5.2017% | 4,406 |
Retained earnings to average equity (ytd only) | 1.8619% | 4,667 |
Net charge-offs to loans | 0.0085% | 4,158 |
Credit loss provision to net charge-offs | 850.0000% | 405 |
Earnings coverage of net charge-offs (x) | 194.7500% | 343 |
Efficiency ratio | 82.0092% | 1,410 |
Assets per employee ($millions) | 4.1874% | 3,589 |
Cash dividends to net income (ytd only)* | 64.2055% | 1,526 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.7543% | 5,524 |
Loan loss allowance to noncurrent loans | 618.6441% | 895 |
Noncurrent assets plus other real estate owned to assets | 0.0503% | 5,477 |
Noncurrent loans to loans | 0.1219% | 5,005 |
Net loans and leases to total assets | 40.9605% | 5,465 |
Net loans and leases to deposits | 49.0597% | 5,436 |
Net loans and leases to core deposits | 54.2104% | 5,302 |
Total domestic deposits to total assets | 83.4913% | 3,677 |
Equity capital to assets | 10.3150% | 3,605 |
Core capital (leverage) ratio | 10.2707% | 3,189 |
Tier 1 risk-based capital ratio | 18.2627% | 1,893 |
Total risk-based capital ratio | 18.8219% | 2,055 |
Memoranda: | ||
Average total assets | $111,328,600 | 4,236 |
Average earning assets | $102,812,800 | 4,213 |
Average equity | $11,976,800 | 4,311 |
Average total loans | $46,825,400 | 4,765 |
2015-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.2545% | 5,499 |
Cost of funding earning assets | 0.4503% | 2,682 |
Net interest margin | 2.8042% | 5,571 |
Noninterest income to average assets | 1.3703% | 656 |
Noninterest expense to average assets | 3.2347% | 1,870 |
Loan and lease loss provision to assets | 0.0413% | 3,384 |
Net operating income to assets | 0.5566% | 4,571 |
Return on assets (ROA) | 0.5765% | 4,585 |
Pretax return on assets | 0.7040% | 4,668 |
Return on Equity (ROE) | 5.3009% | 4,491 |
Retained earnings to average equity (ytd only) | 1.9530% | 4,903 |
Net charge-offs to loans | 0.0115% | 3,777 |
Credit loss provision to net charge-offs | 850.0000% | 423 |
Earnings coverage of net charge-offs (x) | 148.5891% | 472 |
Efficiency ratio | 81.7736% | 1,424 |
Assets per employee ($millions) | 3.9323% | 4,013 |
Cash dividends to net income (ytd only)* | 63.1576% | 1,292 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.7917% | 5,538 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
Noncurrent loans to loans | 0.0000% | 5,684 |
Net loans and leases to total assets | 40.1063% | 5,587 |
Net loans and leases to deposits | 48.5799% | 5,531 |
Net loans and leases to core deposits | 53.3613% | 5,440 |
Total domestic deposits to total assets | 82.5574% | 3,964 |
Equity capital to assets | 10.6483% | 3,417 |
Core capital (leverage) ratio | 10.3980% | 3,167 |
Tier 1 risk-based capital ratio | 18.9486% | 1,786 |
Total risk-based capital ratio | 19.5311% | 1,923 |
Memoranda: | ||
Average total assets | $109,849,000 | 4,307 |
Average earning assets | $101,273,750 | 4,298 |
Average equity | $11,947,500 | 4,365 |
Average total loans | $46,434,250 | 4,829 |
2015-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.2716% | 5,491 |
Cost of funding earning assets | 0.4069% | 3,200 |
Net interest margin | 2.8646% | 5,504 |
Noninterest income to average assets | 1.3554% | 668 |
Noninterest expense to average assets | 3.3139% | 1,659 |
Loan and lease loss provision to assets | 0.0627% | 2,861 |
Net operating income to assets | 0.6399% | 4,174 |
Return on assets (ROA) | 0.6657% | 4,155 |
Pretax return on assets | 0.6399% | 4,862 |
Return on Equity (ROE) | 6.0762% | 4,091 |
Retained earnings to average equity (ytd only) | 2.7099% | 4,337 |
Net charge-offs to loans | 0.0172% | 3,364 |
Credit loss provision to net charge-offs | 850.0000% | 411 |
Earnings coverage of net charge-offs (x) | 91.7500% | 637 |
Efficiency ratio | 83.0407% | 1,364 |
Assets per employee ($millions) | 3.7248% | 4,373 |
Cash dividends to net income (ytd only)* | 55.4017% | 1,721 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.7808% | 5,644 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
Noncurrent loans to loans | 0.0000% | 5,787 |
Net loans and leases to total assets | 41.5083% | 5,535 |
Net loans and leases to deposits | 49.9634% | 5,507 |
Net loans and leases to core deposits | 54.9874% | 5,372 |
Total domestic deposits to total assets | 83.0774% | 3,918 |
Equity capital to assets | 10.6493% | 3,273 |
Core capital (leverage) ratio | 11.0361% | 2,389 |
Tier 1 risk-based capital ratio | 18.6970% | 1,873 |
Total risk-based capital ratio | 19.2725% | 2,015 |
Memoranda: | ||
Average total assets | $108,453,000 | 4,370 |
Average earning assets | $99,768,670 | 4,376 |
Average equity | $11,882,330 | 4,402 |
Average total loans | $46,545,330 | 4,869 |
2015-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3078% | 5,434 |
Cost of funding earning assets | 0.4114% | 3,176 |
Net interest margin | 2.8964% | 5,463 |
Noninterest income to average assets | 1.1572% | 853 |
Noninterest expense to average assets | 3.3780% | 1,535 |
Loan and lease loss provision to assets | 0.1124% | 1,838 |
Net operating income to assets | 0.6030% | 4,280 |
Return on assets (ROA) | 0.6030% | 4,374 |
Pretax return on assets | 0.3296% | 5,573 |
Return on Equity (ROE) | 5.4238% | 4,321 |
Retained earnings to average equity (ytd only) | 2.0550% | 4,648 |
Net charge-offs to loans | 0.0000% | 3,288 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 88.4314% | 982 |
Assets per employee ($millions) | 3.6781% | 4,557 |
Cash dividends to net income (ytd only)* | 62.1118% | 1,373 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.7726% | 5,749 |
Loan loss allowance to noncurrent loans | 368.6869% | 1,314 |
Noncurrent assets plus other real estate owned to assets | 0.3431% | 4,629 |
Noncurrent loans to loans | 0.2096% | 5,032 |
Net loans and leases to total assets | 43.9493% | 5,352 |
Net loans and leases to deposits | 53.8134% | 5,207 |
Net loans and leases to core deposits | 55.8150% | 5,260 |
Total domestic deposits to total assets | 81.6699% | 4,618 |
Equity capital to assets | 11.2210% | 2,732 |
Core capital (leverage) ratio | 10.8119% | 2,611 |
Tier 1 risk-based capital ratio | 18.5149% | 2,001 |
Total risk-based capital ratio | 19.1027% | 2,141 |
Memoranda: | ||
Average total assets | $106,807,500 | 4,442 |
Average earning assets | $98,191,000 | 4,448 |
Average equity | $11,873,500 | 4,432 |
Average total loans | $46,444,000 | 4,901 |
2014-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4492% | 5,431 |
Cost of funding earning assets | 0.4437% | 3,230 |
Net interest margin | 3.0054% | 5,441 |
Noninterest income to average assets | 1.3099% | 714 |
Noninterest expense to average assets | 3.2086% | 2,188 |
Loan and lease loss provision to assets | 0.0415% | 3,749 |
Net operating income to assets | 0.6077% | 4,333 |
Return on assets (ROA) | 0.6455% | 4,263 |
Pretax return on assets | 0.8380% | 4,121 |
Return on Equity (ROE) | 5.9570% | 4,174 |
Retained earnings to average equity (ytd only) | 2.4734% | 4,469 |
Net charge-offs to loans | 0.0308% | 4,211 |
Credit loss provision to net charge-offs | 314.2857% | 829 |
Earnings coverage of net charge-offs (x) | 62.8571% | 763 |
Efficiency ratio | 79.4393% | 2,010 |
Assets per employee ($millions) | 3.8196% | 4,309 |
Cash dividends to net income (ytd only)* | 58.4795% | 1,825 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.7339% | 5,915 |
Loan loss allowance to noncurrent loans | 2,791.6667% | 252 |
Noncurrent assets plus other real estate owned to assets | 0.2609% | 4,983 |
Noncurrent loans to loans | 0.0263% | 5,782 |
Net loans and leases to total assets | 42.3651% | 5,590 |
Net loans and leases to deposits | 52.0997% | 5,472 |
Net loans and leases to core deposits | 53.8150% | 5,510 |
Total domestic deposits to total assets | 81.3154% | 4,649 |
Equity capital to assets | 11.0127% | 2,885 |
Core capital (leverage) ratio | 10.9071% | 2,488 |
Tier 1 risk-based capital ratio | 19.2534% | 1,780 |
Total risk-based capital ratio | 19.8060% | 1,944 |
Memoranda: | ||
Average total assets | $105,965,400 | 4,458 |
Average earning assets | $96,225,600 | 4,501 |
Average equity | $11,482,200 | 4,460 |
Average total loans | $45,468,000 | 4,979 |
2014-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5103% | 5,373 |
Cost of funding earning assets | 0.4471% | 3,288 |
Net interest margin | 3.0631% | 5,353 |
Noninterest income to average assets | 1.2120% | 828 |
Noninterest expense to average assets | 3.1794% | 2,241 |
Loan and lease loss provision to assets | 0.0568% | 3,237 |
Net operating income to assets | 0.5899% | 4,479 |
Return on assets (ROA) | 0.6218% | 4,439 |
Pretax return on assets | 0.7895% | 4,399 |
Return on Equity (ROE) | 5.7618% | 4,358 |
Retained earnings to average equity (ytd only) | 2.2556% | 4,931 |
Net charge-offs to loans | 0.0440% | 3,618 |
Credit loss provision to net charge-offs | 300.0000% | 905 |
Earnings coverage of net charge-offs (x) | 42.5990% | 1,083 |
Efficiency ratio | 79.7785% | 1,949 |
Assets per employee ($millions) | 3.6533% | 4,568 |
Cash dividends to net income (ytd only)* | 60.8516% | 1,344 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.7336% | 6,033 |
Loan loss allowance to noncurrent loans | 272.3577% | 1,671 |
Noncurrent assets plus other real estate owned to assets | 0.7712% | 3,506 |
Noncurrent loans to loans | 0.2693% | 5,109 |
Net loans and leases to total assets | 42.7882% | 5,612 |
Net loans and leases to deposits | 52.9827% | 5,462 |
Net loans and leases to core deposits | 54.7600% | 5,523 |
Total domestic deposits to total assets | 80.7589% | 4,897 |
Equity capital to assets | 10.9245% | 3,034 |
Core capital (leverage) ratio | 10.9368% | 2,549 |
Tier 1 risk-based capital ratio | 19.0794% | 1,888 |
Total risk-based capital ratio | 19.6313% | 2,057 |
Memoranda: | ||
Average total assets | $105,719,500 | 4,505 |
Average earning assets | $95,716,250 | 4,554 |
Average equity | $11,408,250 | 4,504 |
Average total loans | $45,424,000 | 5,030 |
2014-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5595% | 5,261 |
Cost of funding earning assets | 0.4510% | 3,319 |
Net interest margin | 3.1086% | 5,229 |
Noninterest income to average assets | 1.2362% | 768 |
Noninterest expense to average assets | 3.2051% | 2,178 |
Loan and lease loss provision to assets | 0.0852% | 2,603 |
Net operating income to assets | 0.5898% | 4,405 |
Return on assets (ROA) | 0.6437% | 4,232 |
Pretax return on assets | 0.8197% | 4,198 |
Return on Equity (ROE) | 5.9896% | 4,154 |
Retained earnings to average equity (ytd only) | 2.4663% | 4,638 |
Net charge-offs to loans | 0.0662% | 3,050 |
Credit loss provision to net charge-offs | 300.0000% | 849 |
Earnings coverage of net charge-offs (x) | 29.4667% | 1,268 |
Efficiency ratio | 79.2974% | 2,125 |
Assets per employee ($millions) | 3.5834% | 4,697 |
Cash dividends to net income (ytd only)* | 58.8235% | 1,562 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.7400% | 6,112 |
Loan loss allowance to noncurrent loans | 304.5455% | 1,504 |
Noncurrent assets plus other real estate owned to assets | 0.7737% | 3,652 |
Noncurrent loans to loans | 0.2430% | 5,271 |
Net loans and leases to total assets | 43.2408% | 5,585 |
Net loans and leases to deposits | 54.4436% | 5,323 |
Net loans and leases to core deposits | 55.9840% | 5,417 |
Total domestic deposits to total assets | 79.4232% | 5,360 |
Equity capital to assets | 11.1405% | 2,743 |
Core capital (leverage) ratio | 11.0900% | 2,341 |
Tier 1 risk-based capital ratio | 19.2526% | 1,866 |
Total risk-based capital ratio | 19.8122% | 2,004 |
Memoranda: | ||
Average total assets | $105,644,330 | 4,543 |
Average earning assets | $95,349,330 | 4,601 |
Average equity | $11,353,000 | 4,529 |
Average total loans | $45,343,000 | 5,059 |
2014-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5451% | 5,315 |
Cost of funding earning assets | 0.4546% | 3,384 |
Net interest margin | 3.0905% | 5,283 |
Noninterest income to average assets | 1.0966% | 929 |
Noninterest expense to average assets | 3.1059% | 2,512 |
Loan and lease loss provision to assets | 0.0638% | 2,846 |
Net operating income to assets | 0.6161% | 4,118 |
Return on assets (ROA) | 0.6422% | 4,076 |
Pretax return on assets | 0.7399% | 4,350 |
Return on Equity (ROE) | 6.0849% | 3,976 |
Retained earnings to average equity (ytd only) | 2.5265% | 4,550 |
Net charge-offs to loans | 0.0176% | 3,230 |
Credit loss provision to net charge-offs | 850.0000% | 356 |
Earnings coverage of net charge-offs (x) | 103.0000% | 445 |
Efficiency ratio | 80.0581% | 2,200 |
Assets per employee ($millions) | 3.6257% | 4,670 |
Cash dividends to net income (ytd only)* | 58.4795% | 1,455 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.7053% | 6,272 |
Loan loss allowance to noncurrent loans | 101.2658% | 3,579 |
Noncurrent assets plus other real estate owned to assets | 0.8084% | 3,718 |
Noncurrent loans to loans | 0.6965% | 4,124 |
Net loans and leases to total assets | 42.8475% | 5,602 |
Net loans and leases to deposits | 54.1224% | 5,270 |
Net loans and leases to core deposits | 55.2921% | 5,414 |
Total domestic deposits to total assets | 79.1678% | 5,661 |
Equity capital to assets | 10.8193% | 2,914 |
Core capital (leverage) ratio | 10.9087% | 2,478 |
Tier 1 risk-based capital ratio | 18.9987% | 1,973 |
Total risk-based capital ratio | 19.5293% | 2,143 |
Memoranda: | ||
Average total assets | $106,507,500 | 4,571 |
Average earning assets | $95,908,000 | 4,633 |
Average equity | $11,241,000 | 4,562 |
Average total loans | $45,379,500 | 5,104 |
2013-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3974% | 5,842 |
Cost of funding earning assets | 0.5071% | 3,536 |
Net interest margin | 2.8903% | 5,805 |
Noninterest income to average assets | 1.1825% | 1,014 |
Noninterest expense to average assets | 3.1049% | 2,718 |
Loan and lease loss provision to assets | 0.0000% | 5,091 |
Net operating income to assets | 0.4866% | 4,792 |
Return on assets (ROA) | 0.4973% | 4,882 |
Pretax return on assets | 0.6888% | 4,584 |
Return on Equity (ROE) | 4.6992% | 4,778 |
Retained earnings to average equity (ytd only) | 1.1858% | 5,295 |
Net charge-offs to loans | 0.0000% | 5,475 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 82.1648% | 1,861 |
Assets per employee ($millions) | 3.5957% | 4,691 |
Cash dividends to net income (ytd only)* | 74.7664% | 1,114 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.6720% | 6,388 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.5432% | 4,601 |
Noncurrent loans to loans | 0.0000% | 6,319 |
Net loans and leases to total assets | 41.7929% | 5,837 |
Net loans and leases to deposits | 52.0956% | 5,615 |
Net loans and leases to core deposits | 53.5441% | 5,704 |
Total domestic deposits to total assets | 80.2234% | 5,391 |
Equity capital to assets | 10.2957% | 3,397 |
Core capital (leverage) ratio | 10.5271% | 2,884 |
Tier 1 risk-based capital ratio | 18.7386% | 1,997 |
Total risk-based capital ratio | 19.2406% | 2,218 |
Memoranda: | ||
Average total assets | $107,572,800 | 4,557 |
Average earning assets | $96,632,400 | 4,600 |
Average equity | $11,384,800 | 4,561 |
Average total loans | $44,514,400 | 5,166 |
2013-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3719% | 5,940 |
Cost of funding earning assets | 0.5203% | 3,564 |
Net interest margin | 2.8515% | 5,913 |
Noninterest income to average assets | 1.1944% | 1,032 |
Noninterest expense to average assets | 3.0449% | 2,838 |
Loan and lease loss provision to assets | 0.0000% | 4,941 |
Net operating income to assets | 0.5034% | 4,774 |
Return on assets (ROA) | 0.5122% | 4,901 |
Pretax return on assets | 0.7243% | 4,592 |
Return on Equity (ROE) | 4.8073% | 4,820 |
Retained earnings to average equity (ytd only) | 1.3153% | 5,456 |
Net charge-offs to loans | 0.0000% | 5,212 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 81.0499% | 1,962 |
Assets per employee ($millions) | 3.6480% | 4,563 |
Cash dividends to net income (ytd only)* | 72.6396% | 996 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.6877% | 6,458 |
Loan loss allowance to noncurrent loans | 535.0877% | 838 |
Noncurrent assets plus other real estate owned to assets | 0.5586% | 4,778 |
Noncurrent loans to loans | 0.1285% | 5,935 |
Net loans and leases to total assets | 41.6341% | 5,922 |
Net loans and leases to deposits | 52.7826% | 5,647 |
Net loans and leases to core deposits | 54.3014% | 5,742 |
Total domestic deposits to total assets | 78.8786% | 5,766 |
Equity capital to assets | 10.7380% | 3,024 |
Core capital (leverage) ratio | 10.7420% | 2,737 |
Tier 1 risk-based capital ratio | 19.0045% | 1,991 |
Total risk-based capital ratio | 19.5148% | 2,189 |
Memoranda: | ||
Average total assets | $107,498,500 | 4,604 |
Average earning assets | $96,600,750 | 4,656 |
Average equity | $11,454,500 | 4,598 |
Average total loans | $44,296,250 | 5,228 |
2013-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4124% | 5,879 |
Cost of funding earning assets | 0.5329% | 3,575 |
Net interest margin | 2.8795% | 5,830 |
Noninterest income to average assets | 1.2714% | 955 |
Noninterest expense to average assets | 3.0518% | 2,831 |
Loan and lease loss provision to assets | 0.0000% | 4,788 |
Net operating income to assets | 0.5423% | 4,591 |
Return on assets (ROA) | 0.5423% | 4,760 |
Pretax return on assets | 0.7995% | 4,317 |
Return on Equity (ROE) | 5.1019% | 4,667 |
Retained earnings to average equity (ytd only) | 1.6194% | 5,215 |
Net charge-offs to loans | 0.0000% | 4,909 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 79.2407% | 2,268 |
Assets per employee ($millions) | 3.6509% | 4,520 |
Cash dividends to net income (ytd only)* | 68.2594% | 1,260 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.6719% | 6,533 |
Loan loss allowance to noncurrent loans | 535.0877% | 818 |
Noncurrent assets plus other real estate owned to assets | 0.5582% | 4,857 |
Noncurrent loans to loans | 0.1256% | 6,010 |
Net loans and leases to total assets | 42.5862% | 5,859 |
Net loans and leases to deposits | 55.0309% | 5,435 |
Net loans and leases to core deposits | 56.8244% | 5,538 |
Total domestic deposits to total assets | 77.3860% | 6,074 |
Equity capital to assets | 10.8040% | 2,940 |
Core capital (leverage) ratio | 10.7197% | 2,650 |
Tier 1 risk-based capital ratio | 18.9103% | 2,014 |
Total risk-based capital ratio | 19.4190% | 2,222 |
Memoranda: | ||
Average total assets | $108,067,000 | 4,604 |
Average earning assets | $96,824,000 | 4,677 |
Average equity | $11,486,000 | 4,627 |
Average total loans | $44,278,000 | 5,254 |
2013-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3963% | 5,952 |
Cost of funding earning assets | 0.5544% | 3,529 |
Net interest margin | 2.8419% | 5,936 |
Noninterest income to average assets | 1.3521% | 842 |
Noninterest expense to average assets | 2.9791% | 3,057 |
Loan and lease loss provision to assets | 0.0000% | 4,409 |
Net operating income to assets | 0.6339% | 4,061 |
Return on assets (ROA) | 0.6339% | 4,216 |
Pretax return on assets | 0.9087% | 3,723 |
Return on Equity (ROE) | 6.0124% | 4,044 |
Retained earnings to average equity (ytd only) | 2.5370% | 4,754 |
Net charge-offs to loans | 0.0000% | 4,145 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 76.6258% | 2,825 |
Assets per employee ($millions) | 3.8623% | 4,226 |
Cash dividends to net income (ytd only)* | 57.8035% | 1,355 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.6935% | 6,610 |
Loan loss allowance to noncurrent loans | 145.2381% | 2,449 |
Noncurrent assets plus other real estate owned to assets | 0.8942% | 4,149 |
Noncurrent loans to loans | 0.4775% | 5,228 |
Net loans and leases to total assets | 40.3832% | 5,969 |
Net loans and leases to deposits | 52.1955% | 5,597 |
Net loans and leases to core deposits | 53.8529% | 5,675 |
Total domestic deposits to total assets | 77.3691% | 6,209 |
Equity capital to assets | 10.6913% | 3,332 |
Core capital (leverage) ratio | 10.4893% | 2,792 |
Tier 1 risk-based capital ratio | 18.7452% | 2,110 |
Total risk-based capital ratio | 19.2504% | 2,331 |
Memoranda: | ||
Average total assets | $109,162,000 | 4,627 |
Average earning assets | $97,400,000 | 4,706 |
Average equity | $11,509,500 | 4,671 |
Average total loans | $43,720,000 | 5,312 |
2012-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7290% | 5,997 |
Cost of funding earning assets | 0.7862% | 2,770 |
Net interest margin | 2.9428% | 6,148 |
Noninterest income to average assets | 1.5983% | 622 |
Noninterest expense to average assets | 2.9162% | 3,575 |
Loan and lease loss provision to assets | 0.0341% | 5,461 |
Net operating income to assets | 0.9217% | 2,696 |
Return on assets (ROA) | 0.8982% | 3,066 |
Pretax return on assets | 1.2677% | 2,530 |
Return on Equity (ROE) | 8.4567% | 2,892 |
Retained earnings to average equity (ytd only) | 4.8885% | 2,774 |
Net charge-offs to loans | 0.0139% | 5,722 |
Credit loss provision to net charge-offs | 600.0000% | 404 |
Earnings coverage of net charge-offs (x) | 234.8333% | 179 |
Efficiency ratio | 68.5982% | 4,035 |
Assets per employee ($millions) | 3.9350% | 4,068 |
Cash dividends to net income (ytd only)* | 42.1941% | 2,738 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.7017% | 6,633 |
Loan loss allowance to noncurrent loans | 200.6579% | 1,836 |
Noncurrent assets plus other real estate owned to assets | 0.8867% | 4,272 |
Noncurrent loans to loans | 0.3497% | 5,610 |
Net loans and leases to total assets | 39.1704% | 6,220 |
Net loans and leases to deposits | 50.1243% | 5,945 |
Net loans and leases to core deposits | 51.6627% | 6,040 |
Total domestic deposits to total assets | 78.1467% | 6,057 |
Equity capital to assets | 10.3984% | 3,643 |
Core capital (leverage) ratio | 10.0400% | 3,349 |
Tier 1 risk-based capital ratio | 17.8652% | 2,309 |
Total risk-based capital ratio | 18.3597% | 2,569 |
Memoranda: | ||
Average total assets | $105,547,200 | 4,690 |
Average earning assets | $95,147,200 | 4,718 |
Average equity | $11,210,000 | 4,719 |
Average total loans | $43,126,600 | 5,372 |
2012-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8269% | 5,956 |
Cost of funding earning assets | 0.8514% | 2,526 |
Net interest margin | 2.9755% | 6,219 |
Noninterest income to average assets | 1.3679% | 795 |
Noninterest expense to average assets | 2.8585% | 3,754 |
Loan and lease loss provision to assets | 0.0460% | 5,199 |
Net operating income to assets | 0.8508% | 3,213 |
Return on assets (ROA) | 0.7676% | 3,868 |
Pretax return on assets | 1.0384% | 3,569 |
Return on Equity (ROE) | 7.1878% | 3,705 |
Retained earnings to average equity (ytd only) | 3.5998% | 4,344 |
Net charge-offs to loans | 0.0186% | 5,411 |
Credit loss provision to net charge-offs | 600.0000% | 442 |
Earnings coverage of net charge-offs (x) | 156.1625% | 282 |
Efficiency ratio | 70.4882% | 3,599 |
Assets per employee ($millions) | 3.9589% | 3,955 |
Cash dividends to net income (ytd only)* | 49.9170% | 1,695 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.6905% | 6,757 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.6511% | 5,052 |
Noncurrent loans to loans | 0.0000% | 6,696 |
Net loans and leases to total assets | 41.0353% | 6,196 |
Net loans and leases to deposits | 53.3847% | 5,857 |
Net loans and leases to core deposits | 55.0987% | 5,957 |
Total domestic deposits to total assets | 76.8671% | 6,256 |
Equity capital to assets | 10.6314% | 3,693 |
Core capital (leverage) ratio | 10.3462% | 3,110 |
Tier 1 risk-based capital ratio | 18.1641% | 2,276 |
Total risk-based capital ratio | 18.6667% | 2,540 |
Memoranda: | ||
Average total assets | $104,389,000 | 4,763 |
Average earning assets | $94,278,500 | 4,789 |
Average equity | $11,148,250 | 4,776 |
Average total loans | $43,042,500 | 5,436 |
2012-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8758% | 5,968 |
Cost of funding earning assets | 0.9566% | 2,020 |
Net interest margin | 2.9192% | 6,396 |
Noninterest income to average assets | 1.3404% | 796 |
Noninterest expense to average assets | 2.9260% | 3,521 |
Loan and lease loss provision to assets | 0.0695% | 4,760 |
Net operating income to assets | 0.7868% | 3,443 |
Return on assets (ROA) | 0.6509% | 4,363 |
Pretax return on assets | 0.8092% | 4,446 |
Return on Equity (ROE) | 6.0850% | 4,285 |
Retained earnings to average equity (ytd only) | 2.4737% | 4,951 |
Net charge-offs to loans | 0.0281% | 4,984 |
Credit loss provision to net charge-offs | 600.0000% | 520 |
Earnings coverage of net charge-offs (x) | 90.5000% | 463 |
Efficiency ratio | 73.6152% | 3,141 |
Assets per employee ($millions) | 3.6805% | 4,559 |
Cash dividends to net income (ytd only)* | 59.3472% | 1,393 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.7146% | 6,810 |
Loan loss allowance to noncurrent loans | 6,100.0000% | 105 |
Noncurrent assets plus other real estate owned to assets | 0.6802% | 5,070 |
Noncurrent loans to loans | 0.0117% | 6,671 |
Net loans and leases to total assets | 41.1216% | 6,260 |
Net loans and leases to deposits | 54.7960% | 5,791 |
Net loans and leases to core deposits | 56.6484% | 5,892 |
Total domestic deposits to total assets | 75.0449% | 6,586 |
Equity capital to assets | 10.8051% | 3,333 |
Core capital (leverage) ratio | 10.4936% | 2,809 |
Tier 1 risk-based capital ratio | 17.9001% | 2,326 |
Total risk-based capital ratio | 18.4028% | 2,569 |
Memoranda: | ||
Average total assets | $103,555,000 | 4,813 |
Average earning assets | $93,451,330 | 4,833 |
Average equity | $11,076,330 | 4,793 |
Average total loans | $42,667,330 | 5,482 |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9808% | 5,827 |
Cost of funding earning assets | 1.1588% | 1,146 |
Net interest margin | 2.8221% | 6,600 |
Noninterest income to average assets | 1.3140% | 828 |
Noninterest expense to average assets | 2.9440% | 3,466 |
Loan and lease loss provision to assets | 0.0809% | 4,381 |
Net operating income to assets | 0.7094% | 3,842 |
Return on assets (ROA) | 0.6242% | 4,448 |
Pretax return on assets | 0.7321% | 4,681 |
Return on Equity (ROE) | 5.8658% | 4,361 |
Retained earnings to average equity (ytd only) | 2.2450% | 5,134 |
Net charge-offs to loans | 0.0563% | 3,936 |
Credit loss provision to net charge-offs | 350.0000% | 869 |
Earnings coverage of net charge-offs (x) | 39.5000% | 758 |
Efficiency ratio | 76.3237% | 2,742 |
Assets per employee ($millions) | 3.8199% | 4,381 |
Cash dividends to net income (ytd only)* | 61.7284% | 1,163 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.6813% | 6,898 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.6855% | 5,187 |
Noncurrent loans to loans | 0.0000% | 6,812 |
Net loans and leases to total assets | 40.9892% | 6,265 |
Net loans and leases to deposits | 54.9269% | 5,713 |
Net loans and leases to core deposits | 56.7838% | 5,839 |
Total domestic deposits to total assets | 74.6250% | 6,687 |
Equity capital to assets | 10.7110% | 3,253 |
Core capital (leverage) ratio | 10.4159% | 2,852 |
Tier 1 risk-based capital ratio | 17.9435% | 2,313 |
Total risk-based capital ratio | 18.4259% | 2,574 |
Memoranda: | ||
Average total assets | $103,806,000 | 4,839 |
Average earning assets | $93,548,500 | 4,861 |
Average equity | $11,047,000 | 4,818 |
Average total loans | $42,660,000 | 5,523 |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2053% | 6,033 |
Cost of funding earning assets | 1.4024% | 1,028 |
Net interest margin | 2.8028% | 6,821 |
Noninterest income to average assets | 1.5100% | 574 |
Noninterest expense to average assets | 2.8115% | 4,303 |
Loan and lease loss provision to assets | 0.0704% | 5,739 |
Net operating income to assets | 0.8188% | 2,960 |
Return on assets (ROA) | 0.7287% | 3,515 |
Pretax return on assets | 1.0348% | 3,103 |
Return on Equity (ROE) | 7.2637% | 3,269 |
Retained earnings to average equity (ytd only) | 2.7707% | 4,262 |
Net charge-offs to loans | 0.0577% | 5,729 |
Credit loss provision to net charge-offs | 288.4615% | 821 |
Earnings coverage of net charge-offs (x) | 50.5385% | 552 |
Efficiency ratio | 68.7094% | 4,207 |
Assets per employee ($millions) | 3.8694% | 4,160 |
Cash dividends to net income (ytd only)* | 61.8557% | 1,479 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.6432% | 6,972 |
Loan loss allowance to noncurrent loans | 98.9209% | 3,076 |
Noncurrent assets plus other real estate owned to assets | 1.0452% | 4,520 |
Noncurrent loans to loans | 0.6502% | 5,405 |
Net loans and leases to total assets | 40.6604% | 6,497 |
Net loans and leases to deposits | 54.7303% | 6,000 |
Net loans and leases to core deposits | 56.4841% | 6,124 |
Total domestic deposits to total assets | 74.2924% | 6,688 |
Equity capital to assets | 10.5738% | 3,447 |
Core capital (leverage) ratio | 10.3154% | 2,953 |
Tier 1 risk-based capital ratio | 19.7592% | 1,695 |
Total risk-based capital ratio | 20.3656% | 1,829 |
Memoranda: | ||
Average total assets | $106,491,000 | 4,720 |
Average earning assets | $96,331,800 | 4,737 |
Average equity | $10,683,200 | 4,862 |
Average total loans | $45,060,800 | 5,468 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2330% | 6,132 |
Cost of funding earning assets | 1.4670% | 962 |
Net interest margin | 2.7660% | 6,926 |
Noninterest income to average assets | 1.4542% | 616 |
Noninterest expense to average assets | 2.7290% | 4,620 |
Loan and lease loss provision to assets | 0.0810% | 5,430 |
Net operating income to assets | 0.8291% | 3,028 |
Return on assets (ROA) | 0.7726% | 3,452 |
Pretax return on assets | 1.0679% | 3,139 |
Return on Equity (ROE) | 7.8043% | 3,133 |
Retained earnings to average equity (ytd only) | 3.0210% | 4,533 |
Net charge-offs to loans | 0.0760% | 5,202 |
Credit loss provision to net charge-offs | 250.0000% | 1,141 |
Earnings coverage of net charge-offs (x) | 37.8800% | 800 |
Efficiency ratio | 68.1575% | 4,287 |
Assets per employee ($millions) | 3.8739% | 4,135 |
Cash dividends to net income (ytd only)* | 61.2895% | 1,145 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.6033% | 7,078 |
Loan loss allowance to noncurrent loans | 304.5977% | 1,013 |
Noncurrent assets plus other real estate owned to assets | 0.7515% | 5,279 |
Noncurrent loans to loans | 0.1981% | 6,474 |
Net loans and leases to total assets | 41.7395% | 6,517 |
Net loans and leases to deposits | 56.5227% | 5,980 |
Net loans and leases to core deposits | 58.5379% | 6,087 |
Total domestic deposits to total assets | 73.8455% | 6,779 |
Equity capital to assets | 10.4691% | 3,747 |
Core capital (leverage) ratio | 10.2320% | 3,152 |
Tier 1 risk-based capital ratio | 19.4335% | 1,831 |
Total risk-based capital ratio | 20.0000% | 1,973 |
Memoranda: | ||
Average total assets | $106,995,000 | 4,736 |
Average earning assets | $96,792,750 | 4,747 |
Average equity | $10,592,250 | 4,897 |
Average total loans | $45,637,250 | 5,487 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2758% | 6,090 |
Cost of funding earning assets | 1.5313% | 890 |
Net interest margin | 2.7445% | 6,980 |
Noninterest income to average assets | 1.5270% | 547 |
Noninterest expense to average assets | 2.7459% | 4,640 |
Loan and lease loss provision to assets | 0.1095% | 4,931 |
Net operating income to assets | 0.8825% | 2,725 |
Return on assets (ROA) | 0.8182% | 3,110 |
Pretax return on assets | 1.0687% | 2,971 |
Return on Equity (ROE) | 8.4217% | 2,754 |
Retained earnings to average equity (ytd only) | 3.0746% | 4,314 |
Net charge-offs to loans | 0.1039% | 4,647 |
Credit loss provision to net charge-offs | 245.8333% | 1,234 |
Earnings coverage of net charge-offs (x) | 28.3333% | 964 |
Efficiency ratio | 67.6852% | 4,573 |
Assets per employee ($millions) | 3.8976% | 3,996 |
Cash dividends to net income (ytd only)* | 63.4921% | 1,241 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.5899% | 7,151 |
Loan loss allowance to noncurrent loans | 162.5767% | 1,833 |
Noncurrent assets plus other real estate owned to assets | 0.7488% | 5,411 |
Noncurrent loans to loans | 0.3628% | 6,179 |
Net loans and leases to total assets | 42.4379% | 6,564 |
Net loans and leases to deposits | 58.0143% | 5,937 |
Net loans and leases to core deposits | 60.7123% | 6,035 |
Total domestic deposits to total assets | 73.1508% | 6,910 |
Equity capital to assets | 10.2132% | 3,867 |
Core capital (leverage) ratio | 10.0759% | 3,169 |
Tier 1 risk-based capital ratio | 19.5392% | 1,707 |
Total risk-based capital ratio | 20.1030% | 1,859 |
Memoranda: | ||
Average total assets | $107,795,330 | 4,763 |
Average earning assets | $97,431,670 | 4,776 |
Average equity | $10,473,000 | 4,933 |
Average total loans | $46,209,000 | 5,515 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2173% | 6,244 |
Cost of funding earning assets | 1.5972% | 825 |
Net interest margin | 2.6202% | 7,107 |
Noninterest income to average assets | 1.1588% | 964 |
Noninterest expense to average assets | 2.7614% | 4,596 |
Loan and lease loss provision to assets | 0.1284% | 4,389 |
Net operating income to assets | 0.5941% | 4,061 |
Return on assets (ROA) | 0.5941% | 4,133 |
Pretax return on assets | 0.6454% | 4,509 |
Return on Equity (ROE) | 6.2697% | 3,744 |
Retained earnings to average equity (ytd only) | -1.4707% | 6,066 |
Net charge-offs to loans | 0.0000% | 5,107 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 77.1784% | 2,956 |
Assets per employee ($millions) | 4.1510% | 3,538 |
Cash dividends to net income (ytd only)* | 123.4568% | 443 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.5756% | 7,229 |
Loan loss allowance to noncurrent loans | 120.4545% | 2,418 |
Noncurrent assets plus other real estate owned to assets | 1.4556% | 4,080 |
Noncurrent loans to loans | 0.4779% | 6,062 |
Net loans and leases to total assets | 42.4124% | 6,585 |
Net loans and leases to deposits | 57.5600% | 5,969 |
Net loans and leases to core deposits | 60.1799% | 6,080 |
Total domestic deposits to total assets | 73.6838% | 6,929 |
Equity capital to assets | 9.5436% | 4,377 |
Core capital (leverage) ratio | 9.5980% | 3,663 |
Tier 1 risk-based capital ratio | 18.4780% | 1,964 |
Total risk-based capital ratio | 19.0135% | 2,161 |
Memoranda: | ||
Average total assets | $109,075,000 | 4,761 |
Average earning assets | $98,925,500 | 4,769 |
Average equity | $10,335,500 | 4,958 |
Average total loans | $46,851,000 | 5,530 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7705% | 5,529 |
Cost of funding earning assets | 1.8786% | 916 |
Net interest margin | 2.8919% | 6,906 |
Noninterest income to average assets | 1.0052% | 1,487 |
Noninterest expense to average assets | 2.6976% | 4,998 |
Loan and lease loss provision to assets | 0.2986% | 4,414 |
Net operating income to assets | 0.5003% | 4,094 |
Return on assets (ROA) | 0.2532% | 5,251 |
Pretax return on assets | 0.3107% | 5,205 |
Return on Equity (ROE) | 2.7143% | 5,083 |
Retained earnings to average equity (ytd only) | 0.4872% | 5,339 |
Net charge-offs to loans | 0.5855% | 3,280 |
Credit loss provision to net charge-offs | 103.2051% | 4,369 |
Earnings coverage of net charge-offs (x) | 3.1603% | 3,487 |
Efficiency ratio | 74.0180% | 3,394 |
Assets per employee ($millions) | 4.2394% | 3,308 |
Cash dividends to net income (ytd only)* | 82.0513% | 789 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.4826% | 7,370 |
Loan loss allowance to noncurrent loans | 43.8931% | 5,393 |
Noncurrent assets plus other real estate owned to assets | 1.2366% | 4,547 |
Noncurrent loans to loans | 1.0994% | 4,903 |
Net loans and leases to total assets | 43.0333% | 6,786 |
Net loans and leases to deposits | 58.8681% | 6,169 |
Net loans and leases to core deposits | 64.2036% | 6,034 |
Total domestic deposits to total assets | 73.1011% | 6,990 |
Equity capital to assets | 9.4090% | 4,534 |
Core capital (leverage) ratio | 7.9934% | 6,213 |
Tier 1 risk-based capital ratio | 14.2551% | 3,713 |
Total risk-based capital ratio | 14.6915% | 4,228 |
Memoranda: | ||
Average total assets | $107,834,800 | 4,779 |
Average earning assets | $97,201,000 | 4,800 |
Average equity | $10,057,800 | 5,113 |
Average total loans | $53,287,800 | 5,343 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9088% | 5,221 |
Cost of funding earning assets | 1.9087% | 1,005 |
Net interest margin | 3.0001% | 6,830 |
Noninterest income to average assets | 0.9748% | 1,538 |
Noninterest expense to average assets | 2.6458% | 5,132 |
Loan and lease loss provision to assets | 0.3991% | 3,513 |
Net operating income to assets | 0.5210% | 4,216 |
Return on assets (ROA) | 0.1815% | 5,729 |
Pretax return on assets | 0.2176% | 5,691 |
Return on Equity (ROE) | 1.9506% | 5,626 |
Retained earnings to average equity (ytd only) | -0.5211% | 5,926 |
Net charge-offs to loans | 0.7581% | 2,526 |
Credit loss provision to net charge-offs | 103.2154% | 4,160 |
Earnings coverage of net charge-offs (x) | 2.6527% | 3,827 |
Efficiency ratio | 71.4528% | 3,808 |
Assets per employee ($millions) | 4.5593% | 2,820 |
Cash dividends to net income (ytd only)* | 126.7132% | 189 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.4460% | 7,496 |
Loan loss allowance to noncurrent loans | 44.4015% | 5,312 |
Noncurrent assets plus other real estate owned to assets | 2.3021% | 3,076 |
Noncurrent loans to loans | 1.0045% | 5,227 |
Net loans and leases to total assets | 46.9148% | 6,622 |
Net loans and leases to deposits | 65.4504% | 5,729 |
Net loans and leases to core deposits | 71.4767% | 5,575 |
Total domestic deposits to total assets | 71.6799% | 7,165 |
Equity capital to assets | 9.3398% | 5,065 |
Core capital (leverage) ratio | 8.0286% | 6,302 |
Tier 1 risk-based capital ratio | 14.1038% | 3,763 |
Total risk-based capital ratio | 14.5258% | 4,335 |
Memoranda: | ||
Average total assets | $107,237,500 | 4,856 |
Average earning assets | $96,396,000 | 4,878 |
Average equity | $9,979,500 | 5,201 |
Average total loans | $54,694,000 | 5,361 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9544% | 5,161 |
Cost of funding earning assets | 1.9242% | 1,137 |
Net interest margin | 3.0302% | 6,769 |
Noninterest income to average assets | 0.7943% | 2,146 |
Noninterest expense to average assets | 2.6833% | 4,977 |
Loan and lease loss provision to assets | 0.6046% | 2,372 |
Net operating income to assets | 0.2083% | 5,533 |
Return on assets (ROA) | -0.1258% | 6,333 |
Pretax return on assets | -0.2892% | 6,419 |
Return on Equity (ROE) | -1.3536% | 6,363 |
Retained earnings to average equity (ytd only) | -3.9801% | 6,436 |
Net charge-offs to loans | 1.1196% | 1,696 |
Credit loss provision to net charge-offs | 103.2051% | 3,949 |
Earnings coverage of net charge-offs (x) | 1.4295% | 4,415 |
Efficiency ratio | 75.6267% | 3,136 |
Assets per employee ($millions) | 4.1099% | 3,565 |
Cash dividends to net income (ytd only)* | -194.0299% | 7,801 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.4211% | 7,586 |
Loan loss allowance to noncurrent loans | 30.7076% | 6,315 |
Noncurrent assets plus other real estate owned to assets | 2.2039% | 3,254 |
Noncurrent loans to loans | 1.3714% | 4,651 |
Net loans and leases to total assets | 50.8937% | 6,320 |
Net loans and leases to deposits | 71.8776% | 5,011 |
Net loans and leases to core deposits | 78.3112% | 4,890 |
Total domestic deposits to total assets | 70.8061% | 7,275 |
Equity capital to assets | 9.3910% | 4,875 |
Core capital (leverage) ratio | 8.0952% | 6,127 |
Tier 1 risk-based capital ratio | 13.9987% | 3,736 |
Total risk-based capital ratio | 14.4169% | 4,268 |
Memoranda: | ||
Average total assets | $106,508,670 | 4,900 |
Average earning assets | $95,834,000 | 4,931 |
Average equity | $9,899,330 | 5,232 |
Average total loans | $55,736,670 | 5,357 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9778% | 5,128 |
Cost of funding earning assets | 1.9560% | 1,226 |
Net interest margin | 3.0218% | 6,778 |
Noninterest income to average assets | 0.8050% | 1,997 |
Noninterest expense to average assets | 2.7573% | 4,663 |
Loan and lease loss provision to assets | 0.0376% | 6,298 |
Net operating income to assets | 0.4979% | 4,399 |
Return on assets (ROA) | 0.2370% | 5,668 |
Pretax return on assets | 0.3461% | 5,472 |
Return on Equity (ROE) | 2.5632% | 5,531 |
Retained earnings to average equity (ytd only) | -0.0814% | 5,853 |
Net charge-offs to loans | 0.0000% | 5,609 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 77.5880% | 2,963 |
Assets per employee ($millions) | 4.2134% | 3,438 |
Cash dividends to net income (ytd only)* | 103.1746% | 551 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.4131% | 7,683 |
Loan loss allowance to noncurrent loans | 62.1622% | 4,264 |
Noncurrent assets plus other real estate owned to assets | 1.7820% | 3,814 |
Noncurrent loans to loans | 0.6645% | 5,997 |
Net loans and leases to total assets | 52.6392% | 6,203 |
Net loans and leases to deposits | 75.6150% | 4,475 |
Net loans and leases to core deposits | 82.5817% | 4,409 |
Total domestic deposits to total assets | 69.6147% | 7,433 |
Equity capital to assets | 9.4376% | 4,634 |
Core capital (leverage) ratio | 8.4270% | 5,506 |
Tier 1 risk-based capital ratio | 14.0594% | 3,618 |
Total risk-based capital ratio | 14.4656% | 4,151 |
Memoranda: | ||
Average total assets | $106,334,000 | 4,972 |
Average earning assets | $95,705,500 | 5,000 |
Average equity | $9,831,500 | 5,288 |
Average total loans | $56,298,000 | 5,409 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.4110% | 4,648 |
Cost of funding earning assets | 2.3449% | 1,477 |
Net interest margin | 3.0661% | 6,478 |
Noninterest income to average assets | 0.7547% | 2,650 |
Noninterest expense to average assets | 2.6139% | 5,744 |
Loan and lease loss provision to assets | 0.0356% | 7,182 |
Net operating income to assets | 0.5902% | 3,365 |
Return on assets (ROA) | 0.6085% | 3,367 |
Pretax return on assets | 0.8989% | 2,926 |
Return on Equity (ROE) | 7.1277% | 2,745 |
Retained earnings to average equity (ytd only) | 4.2001% | 2,280 |
Net charge-offs to loans | 0.0297% | 6,834 |
Credit loss provision to net charge-offs | 217.6471% | 1,746 |
Earnings coverage of net charge-offs (x) | 55.5294% | 477 |
Efficiency ratio | 73.8193% | 3,934 |
Assets per employee ($millions) | 4.2934% | 3,275 |
Cash dividends to net income (ytd only)* | 41.0742% | 2,884 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.3865% | 7,769 |
Loan loss allowance to noncurrent loans | 21.5898% | 6,978 |
Noncurrent assets plus other real estate owned to assets | 1.0621% | 4,976 |
Noncurrent loans to loans | 1.7903% | 3,956 |
Net loans and leases to total assets | 52.8248% | 6,325 |
Net loans and leases to deposits | 76.0887% | 4,731 |
Net loans and leases to core deposits | 93.7794% | 4,695 |
Total domestic deposits to total assets | 69.4253% | 7,468 |
Equity capital to assets | 9.0577% | 5,052 |
Core capital (leverage) ratio | 8.2652% | 5,690 |
Tier 1 risk-based capital ratio | 13.5161% | 3,810 |
Total risk-based capital ratio | 13.8888% | 4,348 |
Memoranda: | ||
Average total assets | $104,019,600 | 4,984 |
Average earning assets | $93,865,200 | 5,012 |
Average equity | $8,880,800 | 5,643 |
Average total loans | $57,302,200 | 5,371 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.5331% | 4,254 |
Cost of funding earning assets | 2.4356% | 1,506 |
Net interest margin | 3.0975% | 6,319 |
Noninterest income to average assets | 0.7933% | 2,467 |
Noninterest expense to average assets | 2.6190% | 5,649 |
Loan and lease loss provision to assets | 0.0284% | 7,067 |
Net operating income to assets | 0.6643% | 3,340 |
Return on assets (ROA) | 0.6900% | 3,300 |
Pretax return on assets | 0.9755% | 2,974 |
Return on Equity (ROE) | 8.2115% | 2,555 |
Retained earnings to average equity (ytd only) | 5.2130% | 2,363 |
Net charge-offs to loans | 0.0047% | 6,910 |
Credit loss provision to net charge-offs | 1,100.0000% | 345 |
Earnings coverage of net charge-offs (x) | 374.0225% | 99 |
Efficiency ratio | 72.6225% | 4,123 |
Assets per employee ($millions) | 4.3119% | 3,189 |
Cash dividends to net income (ytd only)* | 36.5165% | 2,603 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.3934% | 7,825 |
Loan loss allowance to noncurrent loans | 64.5161% | 4,103 |
Noncurrent assets plus other real estate owned to assets | 0.6855% | 5,772 |
Noncurrent loans to loans | 0.6097% | 6,087 |
Net loans and leases to total assets | 51.6781% | 6,633 |
Net loans and leases to deposits | 75.2110% | 5,177 |
Net loans and leases to core deposits | 94.4091% | 4,982 |
Total domestic deposits to total assets | 68.7109% | 7,513 |
Equity capital to assets | 8.8861% | 5,654 |
Core capital (leverage) ratio | 9.4898% | 3,922 |
Tier 1 risk-based capital ratio | 16.6983% | 2,362 |
Total risk-based capital ratio | 17.0816% | 2,628 |
Memoranda: | ||
Average total assets | $103,191,000 | 5,039 |
Average earning assets | $93,062,250 | 5,071 |
Average equity | $8,670,500 | 5,763 |
Average total loans | $57,398,000 | 5,407 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.6890% | 3,605 |
Cost of funding earning assets | 2.5503% | 1,449 |
Net interest margin | 3.1387% | 6,133 |
Noninterest income to average assets | 0.7988% | 2,418 |
Noninterest expense to average assets | 2.6501% | 5,560 |
Loan and lease loss provision to assets | 0.0433% | 6,800 |
Net operating income to assets | 0.6613% | 3,423 |
Return on assets (ROA) | 0.7004% | 3,363 |
Pretax return on assets | 0.9837% | 3,073 |
Return on Equity (ROE) | 8.5089% | 2,566 |
Retained earnings to average equity (ytd only) | 5.4017% | 2,293 |
Net charge-offs to loans | 0.0069% | 6,497 |
Credit loss provision to net charge-offs | 1,100.0000% | 445 |
Earnings coverage of net charge-offs (x) | 247.0000% | 164 |
Efficiency ratio | 72.7865% | 4,248 |
Assets per employee ($millions) | 4.3770% | 2,975 |
Cash dividends to net income (ytd only)* | 36.5169% | 2,584 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.3933% | 7,903 |
Loan loss allowance to noncurrent loans | 34.0557% | 6,185 |
Noncurrent assets plus other real estate owned to assets | 0.6540% | 5,776 |
Noncurrent loans to loans | 1.1548% | 4,905 |
Net loans and leases to total assets | 53.0434% | 6,563 |
Net loans and leases to deposits | 77.7401% | 4,916 |
Net loans and leases to core deposits | 101.5639% | 4,334 |
Total domestic deposits to total assets | 68.2317% | 7,604 |
Equity capital to assets | 8.2819% | 6,367 |
Core capital (leverage) ratio | 9.5672% | 3,791 |
Tier 1 risk-based capital ratio | 16.3921% | 2,484 |
Total risk-based capital ratio | 16.7692% | 2,735 |
Memoranda: | ||
Average total assets | $101,655,330 | 5,117 |
Average earning assets | $91,439,000 | 5,148 |
Average equity | $8,367,670 | 5,892 |
Average total loans | $57,888,000 | 5,426 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.9361% | 2,622 |
Cost of funding earning assets | 2.6710% | 1,341 |
Net interest margin | 3.2651% | 5,638 |
Noninterest income to average assets | 0.7483% | 2,611 |
Noninterest expense to average assets | 2.6171% | 5,380 |
Loan and lease loss provision to assets | 0.0400% | 6,465 |
Net operating income to assets | 0.7139% | 3,485 |
Return on assets (ROA) | 0.7923% | 3,324 |
Pretax return on assets | 1.1285% | 2,877 |
Return on Equity (ROE) | 9.6568% | 2,467 |
Retained earnings to average equity (ytd only) | 6.4866% | 2,420 |
Net charge-offs to loans | 0.0000% | 5,728 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 70.8061% | 4,413 |
Assets per employee ($millions) | 3.9290% | 3,812 |
Cash dividends to net income (ytd only)* | 32.8283% | 2,251 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.3602% | 7,992 |
Loan loss allowance to noncurrent loans | 40.4624% | 5,844 |
Noncurrent assets plus other real estate owned to assets | 0.5404% | 5,861 |
Noncurrent loans to loans | 0.8901% | 5,222 |
Net loans and leases to total assets | 56.8745% | 6,116 |
Net loans and leases to deposits | 84.9997% | 3,824 |
Net loans and leases to core deposits | 106.5763% | 3,839 |
Total domestic deposits to total assets | 66.9114% | 7,674 |
Equity capital to assets | 7.9459% | 6,889 |
Core capital (leverage) ratio | 9.5933% | 3,875 |
Tier 1 risk-based capital ratio | 15.9818% | 2,695 |
Total risk-based capital ratio | 16.3343% | 2,969 |
Memoranda: | ||
Average total assets | $99,959,000 | 5,183 |
Average earning assets | $89,553,500 | 5,238 |
Average equity | $8,201,500 | 5,988 |
Average total loans | $58,861,500 | 5,410 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.3038% | 3,944 |
Cost of funding earning assets | 3.1246% | 1,436 |
Net interest margin | 3.1791% | 6,429 |
Noninterest income to average assets | 0.2934% | 6,360 |
Noninterest expense to average assets | 2.5281% | 5,898 |
Loan and lease loss provision to assets | 0.5284% | 2,698 |
Net operating income to assets | 0.1608% | 5,955 |
Return on assets (ROA) | 0.1900% | 5,699 |
Pretax return on assets | 0.1295% | 5,883 |
Return on Equity (ROE) | 2.0715% | 5,596 |
Retained earnings to average equity (ytd only) | -2.7089% | 6,038 |
Net charge-offs to loans | 0.0035% | 6,957 |
Credit loss provision to net charge-offs | 25,300.0000% | 22 |
Earnings coverage of net charge-offs (x) | 301.0000% | 159 |
Efficiency ratio | 79.3583% | 2,696 |
Assets per employee ($millions) | 3.7602% | 4,038 |
Cash dividends to net income (ytd only)* | 230.7692% | 275 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.3366% | 8,052 |
Loan loss allowance to noncurrent loans | 392.1569% | 1,056 |
Noncurrent assets plus other real estate owned to assets | 0.0982% | 7,186 |
Noncurrent loans to loans | 0.0858% | 7,164 |
Net loans and leases to total assets | 60.5677% | 5,828 |
Net loans and leases to deposits | 99.7860% | 1,851 |
Net loans and leases to core deposits | 120.8918% | 2,613 |
Total domestic deposits to total assets | 60.6976% | 7,938 |
Equity capital to assets | 8.4754% | 6,126 |
Core capital (leverage) ratio | 9.9237% | 3,520 |
Tier 1 risk-based capital ratio | 16.1477% | 2,607 |
Total risk-based capital ratio | 16.4918% | 2,871 |
Memoranda: | ||
Average total assets | $95,765,200 | 5,178 |
Average earning assets | $86,249,800 | 5,223 |
Average equity | $8,785,800 | 5,813 |
Average total loans | $57,353,800 | 5,391 |