Home > Pilsen State Bank, Lincolnville, Kansas > Performance and Condition Ratios
Pilsen State Bank, Lincolnville, Kansas, Performance and Condition Ratios
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0330% | 2,745 |
Cost of funding earning assets | 0.8480% | 4,484 |
Net interest margin | 4.1851% | 2,109 |
Noninterest income to average assets | 2.8574% | 222 |
Noninterest expense to average assets | 2.6929% | 4,767 |
Loan and lease loss provision to assets | 0.5195% | 2,023 |
Net operating income to assets | 3.7752% | 55 |
Return on assets (ROA) | 3.7752% | 56 |
Pretax return on assets | 3.6194% | 89 |
Return on Equity (ROE) | 27.1448% | 72 |
Retained earnings to average equity (ytd only) | 27.1448% | 17 |
Net charge-offs to loans | -0.0247% | 6,977 |
Credit loss provision to net charge-offs | -3,000.0000% | 6,923 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 39.4170% | 7,223 |
Assets per employee ($millions) | 5.2920% | 1,837 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.7524% | 6,832 |
Loan loss allowance to noncurrent loans | 6.4182% | 6,839 |
Noncurrent assets plus other real estate owned to assets | 9.1270% | 392 |
Noncurrent loans to loans | 11.7233% | 231 |
Net loans and leases to total assets | 77.2676% | 797 |
Net loans and leases to deposits | 92.4904% | 923 |
Net loans and leases to core deposits | 100.1470% | 1,164 |
Total domestic deposits to total assets | 83.5412% | 4,521 |
Equity capital to assets | 16.2509% | 548 |
Core capital (leverage) ratio | 14.6695% | 670 |
Tier 1 risk-based capital ratio | 19.9490% | 1,656 |
Total risk-based capital ratio | 20.6681% | 1,757 |
Memoranda: | ||
Average total assets | $11,549,000 | 7,319 |
Average earning assets | $10,967,600 | 7,303 |
Average equity | $1,606,200 | 7,272 |
Average total loans | $8,093,400 | 7,181 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0433% | 2,875 |
Cost of funding earning assets | 0.9104% | 4,330 |
Net interest margin | 4.1329% | 2,338 |
Noninterest income to average assets | 3.6413% | 176 |
Noninterest expense to average assets | 2.4765% | 5,541 |
Loan and lease loss provision to assets | 0.6785% | 1,425 |
Net operating income to assets | 4.5913% | 51 |
Return on assets (ROA) | 4.5913% | 52 |
Pretax return on assets | 4.3877% | 70 |
Return on Equity (ROE) | 34.3096% | 34 |
Retained earnings to average equity (ytd only) | 34.3096% | 19 |
Net charge-offs to loans | -0.0331% | 6,980 |
Credit loss provision to net charge-offs | -3,000.0000% | 6,861 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 32.8336% | 7,341 |
Assets per employee ($millions) | 5.7100% | 1,419 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.7814% | 6,851 |
Loan loss allowance to noncurrent loans | 8.3445% | 6,913 |
Noncurrent assets plus other real estate owned to assets | 6.5061% | 794 |
Noncurrent loans to loans | 9.3648% | 402 |
Net loans and leases to total assets | 68.9317% | 2,294 |
Net loans and leases to deposits | 82.7151% | 2,222 |
Net loans and leases to core deposits | 82.7151% | 3,224 |
Total domestic deposits to total assets | 83.3363% | 4,541 |
Equity capital to assets | 14.8074% | 906 |
Core capital (leverage) ratio | 14.1660% | 853 |
Tier 1 risk-based capital ratio | 19.7894% | 1,738 |
Total risk-based capital ratio | 20.5149% | 1,832 |
Memoranda: | ||
Average total assets | $11,790,250 | 7,396 |
Average earning assets | $11,130,000 | 7,380 |
Average equity | $1,577,750 | 7,349 |
Average total loans | $8,056,750 | 7,252 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1518% | 2,450 |
Cost of funding earning assets | 1.0518% | 3,590 |
Net interest margin | 4.1001% | 2,410 |
Noninterest income to average assets | 5.5399% | 121 |
Noninterest expense to average assets | 2.7196% | 4,741 |
Loan and lease loss provision to assets | 0.0000% | 6,217 |
Net operating income to assets | 6.6814% | 35 |
Return on assets (ROA) | 6.6814% | 35 |
Pretax return on assets | 6.6814% | 49 |
Return on Equity (ROE) | 51.6883% | 18 |
Retained earnings to average equity (ytd only) | 51.6883% | 12 |
Net charge-offs to loans | -0.0247% | 6,874 |
Credit loss provision to net charge-offs | 0.0000% | 5,336 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 28.9286% | 7,446 |
Assets per employee ($millions) | 5.8305% | 1,281 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.0124% | 7,442 |
Loan loss allowance to noncurrent loans | 0.1205% | 7,012 |
Noncurrent assets plus other real estate owned to assets | 7.1177% | 705 |
Noncurrent loans to loans | 10.3234% | 365 |
Net loans and leases to total assets | 68.9392% | 2,428 |
Net loans and leases to deposits | 80.7534% | 2,655 |
Net loans and leases to core deposits | 80.7534% | 3,683 |
Total domestic deposits to total assets | 85.3700% | 3,687 |
Equity capital to assets | 14.4327% | 963 |
Core capital (leverage) ratio | 14.0519% | 858 |
Tier 1 risk-based capital ratio | 19.6222% | 1,686 |
Total risk-based capital ratio | 19.6339% | 1,997 |
Memoranda: | ||
Average total assets | $11,913,670 | 7,470 |
Average earning assets | $11,219,330 | 7,453 |
Average equity | $1,540,000 | 7,426 |
Average total loans | $8,097,670 | 7,321 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3630% | 1,692 |
Cost of funding earning assets | 1.1217% | 3,359 |
Net interest margin | 4.2413% | 1,781 |
Noninterest income to average assets | 10.6977% | 65 |
Noninterest expense to average assets | 2.5249% | 5,465 |
Loan and lease loss provision to assets | 0.0000% | 5,840 |
Net operating income to assets | 12.1927% | 15 |
Return on assets (ROA) | 12.1927% | 15 |
Pretax return on assets | 12.1927% | 27 |
Return on Equity (ROE) | 99.9660% | 10 |
Retained earnings to average equity (ytd only) | 99.9660% | 8 |
Net charge-offs to loans | -0.1477% | 7,197 |
Credit loss provision to net charge-offs | 0.0000% | 4,480 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 17.1558% | 7,543 |
Assets per employee ($millions) | 6.1410% | 1,112 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.0387% | 7,493 |
Loan loss allowance to noncurrent loans | 0.3375% | 7,075 |
Noncurrent assets plus other real estate owned to assets | 7.2382% | 715 |
Noncurrent loans to loans | 11.4651% | 312 |
Net loans and leases to total assets | 63.1086% | 3,626 |
Net loans and leases to deposits | 73.0951% | 3,908 |
Net loans and leases to core deposits | 73.0951% | 4,637 |
Total domestic deposits to total assets | 86.3377% | 3,316 |
Equity capital to assets | 13.4506% | 1,206 |
Core capital (leverage) ratio | 13.2075% | 1,059 |
Tier 1 risk-based capital ratio | 19.4262% | 1,713 |
Total risk-based capital ratio | 19.4614% | 2,010 |
Memoranda: | ||
Average total assets | $12,040,000 | 7,527 |
Average earning assets | $11,411,500 | 7,506 |
Average equity | $1,468,500 | 7,492 |
Average total loans | $8,126,500 | 7,379 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1435% | 6,997 |
Cost of funding earning assets | 1.5968% | 2,091 |
Net interest margin | 2.5467% | 7,244 |
Noninterest income to average assets | 6.9713% | 94 |
Noninterest expense to average assets | 3.4122% | 2,406 |
Loan and lease loss provision to assets | 0.0000% | 7,042 |
Net operating income to assets | 6.0196% | 25 |
Return on assets (ROA) | 6.0196% | 26 |
Pretax return on assets | 5.9655% | 39 |
Return on Equity (ROE) | 65.5544% | 9 |
Retained earnings to average equity (ytd only) | 65.5544% | 3 |
Net charge-offs to loans | 0.0000% | 6,850 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 36.3861% | 7,543 |
Assets per employee ($millions) | 2.9495% | 6,208 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.0000% | 7,582 |
Loan loss allowance to noncurrent loans | 0.0000% | 7,156 |
Noncurrent assets plus other real estate owned to assets | 9.2982% | 472 |
Noncurrent loans to loans | 12.9074% | 239 |
Net loans and leases to total assets | 72.0376% | 2,100 |
Net loans and leases to deposits | 81.0587% | 2,977 |
Net loans and leases to core deposits | 98.2657% | 1,772 |
Total domestic deposits to total assets | 88.8710% | 1,731 |
Equity capital to assets | 10.8917% | 2,785 |
Core capital (leverage) ratio | 10.4540% | 2,601 |
Tier 1 risk-based capital ratio | 14.8658% | 3,325 |
Total risk-based capital ratio | 14.8658% | 4,091 |
Memoranda: | ||
Average total assets | $12,924,400 | 7,599 |
Average earning assets | $12,212,000 | 7,576 |
Average equity | $1,186,800 | 7,618 |
Average total loans | $9,305,600 | 7,420 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.8141% | 7,645 |
Cost of funding earning assets | 1.3375% | 3,994 |
Net interest margin | 1.4766% | 7,674 |
Noninterest income to average assets | 8.0366% | 82 |
Noninterest expense to average assets | 1.4942% | 7,551 |
Loan and lease loss provision to assets | 0.0000% | 6,977 |
Net operating income to assets | 8.0063% | 21 |
Return on assets (ROA) | 8.0063% | 22 |
Pretax return on assets | 7.9356% | 25 |
Return on Equity (ROE) | 90.9710% | 5 |
Retained earnings to average equity (ytd only) | 90.9710% | 3 |
Net charge-offs to loans | 0.0000% | 6,671 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 15.8458% | 7,737 |
Assets per employee ($millions) | 3.0208% | 6,108 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.0000% | 7,691 |
Loan loss allowance to noncurrent loans | 0.0000% | 7,261 |
Noncurrent assets plus other real estate owned to assets | 2.1270% | 3,294 |
Noncurrent loans to loans | 3.2548% | 2,436 |
Net loans and leases to total assets | 65.3480% | 3,832 |
Net loans and leases to deposits | 73.4034% | 4,616 |
Net loans and leases to core deposits | 86.0975% | 3,637 |
Total domestic deposits to total assets | 89.0259% | 1,377 |
Equity capital to assets | 10.7589% | 3,214 |
Core capital (leverage) ratio | 10.4192% | 2,780 |
Tier 1 risk-based capital ratio | 15.9119% | 2,803 |
Total risk-based capital ratio | 15.9119% | 3,399 |
Memoranda: | ||
Average total assets | $13,206,000 | 7,697 |
Average earning assets | $12,461,000 | 7,674 |
Average equity | $1,162,250 | 7,717 |
Average total loans | $9,507,250 | 7,510 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7323% | 7,517 |
Cost of funding earning assets | 1.3430% | 4,236 |
Net interest margin | 2.3893% | 7,485 |
Noninterest income to average assets | 11.1338% | 61 |
Noninterest expense to average assets | 2.6067% | 5,299 |
Loan and lease loss provision to assets | 0.0000% | 6,857 |
Net operating income to assets | 10.7803% | 16 |
Return on assets (ROA) | 10.7803% | 17 |
Pretax return on assets | 10.7803% | 22 |
Return on Equity (ROE) | 131.1440% | 4 |
Retained earnings to average equity (ytd only) | 131.1440% | 2 |
Net charge-offs to loans | 0.0000% | 6,371 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 19.4719% | 7,795 |
Assets per employee ($millions) | 3.1615% | 5,759 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.0000% | 7,760 |
Loan loss allowance to noncurrent loans | 0.0000% | 7,334 |
Noncurrent assets plus other real estate owned to assets | 5.6381% | 1,082 |
Noncurrent loans to loans | 8.0574% | 644 |
Net loans and leases to total assets | 69.9747% | 2,902 |
Net loans and leases to deposits | 77.8208% | 4,010 |
Net loans and leases to core deposits | 90.4343% | 3,195 |
Total domestic deposits to total assets | 89.9178% | 954 |
Equity capital to assets | 9.7976% | 4,269 |
Core capital (leverage) ratio | 8.6571% | 5,146 |
Tier 1 risk-based capital ratio | 12.8834% | 4,538 |
Total risk-based capital ratio | 12.8834% | 5,606 |
Memoranda: | ||
Average total assets | $13,580,330 | 7,757 |
Average earning assets | $12,807,000 | 7,733 |
Average equity | $1,116,330 | 7,789 |
Average total loans | $10,044,330 | 7,553 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.1871% | 7,866 |
Cost of funding earning assets | 1.0187% | 6,286 |
Net interest margin | 1.1685% | 7,867 |
Noninterest income to average assets | 20.9290% | 39 |
Noninterest expense to average assets | 2.1071% | 6,920 |
Loan and lease loss provision to assets | 0.0000% | 6,552 |
Net operating income to assets | 19.8754% | 9 |
Return on assets (ROA) | 19.8754% | 10 |
Pretax return on assets | 19.9324% | 15 |
Return on Equity (ROE) | 264.6445% | 7 |
Retained earnings to average equity (ytd only) | 264.6445% | 6 |
Net charge-offs to loans | 0.0000% | 5,609 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 9.5607% | 7,914 |
Assets per employee ($millions) | 2.0887% | 7,620 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.0000% | 7,860 |
Loan loss allowance to noncurrent loans | 0.0000% | 7,410 |
Noncurrent assets plus other real estate owned to assets | 8.1527% | 600 |
Noncurrent loans to loans | 11.8583% | 297 |
Net loans and leases to total assets | 68.7504% | 3,216 |
Net loans and leases to deposits | 75.3467% | 4,523 |
Net loans and leases to core deposits | 88.1213% | 3,609 |
Total domestic deposits to total assets | 91.2455% | 455 |
Equity capital to assets | 8.2416% | 6,380 |
Core capital (leverage) ratio | 8.7281% | 4,976 |
Tier 1 risk-based capital ratio | 10.9357% | 6,217 |
Total risk-based capital ratio | 10.9357% | 7,208 |
Memoranda: | ||
Average total assets | $14,047,500 | 7,854 |
Average earning assets | $13,351,000 | 7,823 |
Average equity | $1,055,000 | 7,883 |
Average total loans | $10,642,000 | 7,622 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3951% | 4,721 |
Cost of funding earning assets | 2.4230% | 1,234 |
Net interest margin | 2.9721% | 6,714 |
Noninterest income to average assets | 0.2972% | 5,978 |
Noninterest expense to average assets | 3.0688% | 3,877 |
Loan and lease loss provision to assets | 4.2506% | 293 |
Net operating income to assets | -4.1677% | 7,634 |
Return on assets (ROA) | -4.1677% | 7,632 |
Pretax return on assets | -4.2161% | 7,575 |
Return on Equity (ROE) | -47.1094% | 7,655 |
Retained earnings to average equity (ytd only) | -47.1094% | 7,643 |
Net charge-offs to loans | 2.8160% | 787 |
Credit loss provision to net charge-offs | 171.7877% | 2,475 |
Earnings coverage of net charge-offs (x) | 0.0140% | 6,177 |
Efficiency ratio | 98.8864% | 1,157 |
Assets per employee ($millions) | 2.6948% | 6,865 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
Condition Ratios (%) | ||
Loss allowance to loans | 4.2201% | 313 |
Loan loss allowance to noncurrent loans | 67.9083% | 4,016 |
Noncurrent assets plus other real estate owned to assets | 5.1803% | 1,159 |
Noncurrent loans to loans | 6.2144% | 997 |
Net loans and leases to total assets | 79.8427% | 1,024 |
Net loans and leases to deposits | 86.0296% | 2,910 |
Net loans and leases to core deposits | 96.4497% | 4,407 |
Total domestic deposits to total assets | 92.8084% | 150 |
Equity capital to assets | 6.7166% | 7,494 |
Core capital (leverage) ratio | 6.3858% | 7,529 |
Tier 1 risk-based capital ratio | 7.9834% | 7,656 |
Total risk-based capital ratio | 9.2713% | 7,659 |
Memoranda: | ||
Average total assets | $14,468,400 | 7,907 |
Average earning assets | $13,660,600 | 7,877 |
Average equity | $1,280,000 | 7,950 |
Average total loans | $12,713,000 | 7,568 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2930% | 5,463 |
Cost of funding earning assets | 2.4495% | 1,445 |
Net interest margin | 2.8434% | 6,978 |
Noninterest income to average assets | 0.3171% | 5,942 |
Noninterest expense to average assets | 3.0622% | 3,796 |
Loan and lease loss provision to assets | 5.5717% | 129 |
Net operating income to assets | -5.6894% | 7,905 |
Return on assets (ROA) | -5.6894% | 7,902 |
Pretax return on assets | -5.6350% | 7,881 |
Return on Equity (ROE) | -60.9507% | 7,898 |
Retained earnings to average equity (ytd only) | -60.9507% | 7,895 |
Net charge-offs to loans | 3.6483% | 402 |
Credit loss provision to net charge-offs | 171.7877% | 2,704 |
Earnings coverage of net charge-offs (x) | -0.0195% | 6,090 |
Efficiency ratio | 102.1148% | 978 |
Assets per employee ($millions) | 2.8016% | 6,644 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.7459% | 347 |
Loan loss allowance to noncurrent loans | 77.8325% | 3,509 |
Noncurrent assets plus other real estate owned to assets | 4.3475% | 1,419 |
Noncurrent loans to loans | 4.8127% | 1,413 |
Net loans and leases to total assets | 86.9503% | 278 |
Net loans and leases to deposits | 93.3190% | 1,995 |
Net loans and leases to core deposits | 108.2859% | 3,434 |
Total domestic deposits to total assets | 93.1753% | 77 |
Equity capital to assets | 6.2821% | 7,810 |
Core capital (leverage) ratio | 5.8170% | 7,831 |
Tier 1 risk-based capital ratio | 6.8244% | 7,912 |
Total risk-based capital ratio | 8.1039% | 7,915 |
Memoranda: | ||
Average total assets | $14,717,000 | 7,981 |
Average earning assets | $13,879,750 | 7,955 |
Average equity | $1,373,750 | 8,028 |
Average total loans | $13,083,250 | 7,616 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.3943% | 1,020 |
Cost of funding earning assets | 2.4867% | 1,661 |
Net interest margin | 3.9076% | 3,078 |
Noninterest income to average assets | 0.2006% | 6,857 |
Noninterest expense to average assets | 3.0361% | 3,943 |
Loan and lease loss provision to assets | 0.0000% | 7,158 |
Net operating income to assets | 0.7891% | 2,894 |
Return on assets (ROA) | 0.7891% | 2,990 |
Pretax return on assets | 0.8426% | 3,530 |
Return on Equity (ROE) | 7.6707% | 2,899 |
Retained earnings to average equity (ytd only) | 7.6707% | 1,327 |
Net charge-offs to loans | -0.0151% | 7,656 |
Credit loss provision to net charge-offs | 0.0000% | 6,237 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 78.2759% | 3,304 |
Assets per employee ($millions) | 3.0300% | 6,057 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6555% | 2,503 |
Loan loss allowance to noncurrent loans | 132.9268% | 2,209 |
Noncurrent assets plus other real estate owned to assets | 1.1881% | 4,561 |
Noncurrent loans to loans | 1.2454% | 4,721 |
Net loans and leases to total assets | 85.4785% | 439 |
Net loans and leases to deposits | 95.9188% | 1,811 |
Net loans and leases to core deposits | 110.6838% | 3,308 |
Total domestic deposits to total assets | 89.1155% | 1,206 |
Equity capital to assets | 10.3432% | 3,577 |
Core capital (leverage) ratio | 10.4140% | 2,890 |
Tier 1 risk-based capital ratio | 11.7159% | 5,180 |
Total risk-based capital ratio | 12.9720% | 5,101 |
Memoranda: | ||
Average total assets | $14,953,330 | 8,064 |
Average earning assets | $14,075,000 | 8,037 |
Average equity | $1,538,330 | 8,092 |
Average total loans | $13,226,330 | 7,689 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.3831% | 1,105 |
Cost of funding earning assets | 2.5475% | 1,747 |
Net interest margin | 3.8356% | 3,313 |
Noninterest income to average assets | 0.2423% | 6,518 |
Noninterest expense to average assets | 2.9350% | 4,034 |
Loan and lease loss provision to assets | 0.0000% | 6,744 |
Net operating income to assets | 0.8617% | 2,872 |
Return on assets (ROA) | 0.8617% | 3,024 |
Pretax return on assets | 0.9155% | 3,661 |
Return on Equity (ROE) | 8.3990% | 2,970 |
Retained earnings to average equity (ytd only) | 8.3990% | 1,664 |
Net charge-offs to loans | -0.0302% | 7,555 |
Credit loss provision to net charge-offs | 0.0000% | 5,248 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 76.2238% | 3,450 |
Assets per employee ($millions) | 3.0116% | 6,122 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6432% | 2,334 |
Loan loss allowance to noncurrent loans | 396.3636% | 894 |
Noncurrent assets plus other real estate owned to assets | 0.4848% | 6,023 |
Noncurrent loans to loans | 0.4146% | 6,385 |
Net loans and leases to total assets | 86.6583% | 372 |
Net loans and leases to deposits | 97.0763% | 1,790 |
Net loans and leases to core deposits | 112.0086% | 3,220 |
Total domestic deposits to total assets | 89.2682% | 1,113 |
Equity capital to assets | 10.2271% | 3,739 |
Core capital (leverage) ratio | 10.2886% | 3,119 |
Tier 1 risk-based capital ratio | 11.4823% | 5,434 |
Total risk-based capital ratio | 12.7349% | 5,323 |
Memoranda: | ||
Average total assets | $14,855,000 | 8,121 |
Average earning assets | $13,974,500 | 8,086 |
Average equity | $1,524,000 | 8,151 |
Average total loans | $13,255,500 | 7,735 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 7.1405% | 832 |
Cost of funding earning assets | 2.9961% | 1,880 |
Net interest margin | 4.1445% | 2,523 |
Noninterest income to average assets | 0.2663% | 6,554 |
Noninterest expense to average assets | 3.2095% | 3,305 |
Loan and lease loss provision to assets | 0.2322% | 4,574 |
Net operating income to assets | 0.5395% | 4,578 |
Return on assets (ROA) | 0.5395% | 4,425 |
Pretax return on assets | 0.6692% | 4,490 |
Return on Equity (ROE) | 5.1567% | 4,305 |
Retained earnings to average equity (ytd only) | -0.0653% | 5,281 |
Net charge-offs to loans | 0.0618% | 5,896 |
Credit loss provision to net charge-offs | 425.0000% | 1,027 |
Earnings coverage of net charge-offs (x) | 16.5000% | 1,842 |
Efficiency ratio | 78.0731% | 2,907 |
Assets per employee ($millions) | 2.4420% | 7,322 |
Cash dividends to net income (ytd only)* | 101.2658% | 956 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6385% | 2,101 |
Loan loss allowance to noncurrent loans | 66.9753% | 4,673 |
Noncurrent assets plus other real estate owned to assets | 2.3546% | 2,065 |
Noncurrent loans to loans | 2.4464% | 2,235 |
Net loans and leases to total assets | 88.9094% | 289 |
Net loans and leases to deposits | 99.7015% | 1,861 |
Net loans and leases to core deposits | 113.3078% | 3,416 |
Total domestic deposits to total assets | 89.1755% | 974 |
Equity capital to assets | 10.2921% | 3,723 |
Core capital (leverage) ratio | 10.2362% | 3,227 |
Tier 1 risk-based capital ratio | 11.2993% | 5,444 |
Total risk-based capital ratio | 12.5506% | 5,336 |
Memoranda: | ||
Average total assets | $14,644,200 | 8,174 |
Average earning assets | $13,584,400 | 8,151 |
Average equity | $1,532,000 | 8,210 |
Average total loans | $12,948,200 | 7,773 |