Home > State Bank of Ledyard > Performance and Condition Ratios
State Bank of Ledyard, Performance and Condition Ratios
2012-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3565% | 4,223 |
Cost of funding earning assets | 0.7193% | 3,600 |
Net interest margin | 3.6373% | 4,068 |
Noninterest income to average assets | 0.1953% | 6,130 |
Noninterest expense to average assets | 1.8395% | 6,632 |
Loan and lease loss provision to assets | 0.5895% | 954 |
Net operating income to assets | 1.1648% | 1,849 |
Return on assets (ROA) | 1.1648% | 2,045 |
Pretax return on assets | 1.2322% | 2,859 |
Return on Equity (ROE) | 8.5347% | 3,029 |
Retained earnings to average equity (ytd only) | -0.5724% | 6,193 |
Net charge-offs to loans | 0.6844% | 1,613 |
Credit loss provision to net charge-offs | 116.9014% | 2,487 |
Earnings coverage of net charge-offs (x) | 3.6126% | 3,577 |
Efficiency ratio | 50.2425% | 6,573 |
Assets per employee ($millions) | 4.1369% | 3,610 |
Cash dividends to net income (ytd only)* | 106.7090% | 271 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.6627% | 6,788 |
Loan loss allowance to noncurrent loans | 418.6047% | 900 |
Noncurrent assets plus other real estate owned to assets | 0.9213% | 4,436 |
Noncurrent loans to loans | 0.1583% | 6,212 |
Net loans and leases to total assets | 72.4699% | 1,471 |
Net loans and leases to deposits | 84.4375% | 1,811 |
Net loans and leases to core deposits | 96.6542% | 1,360 |
Total domestic deposits to total assets | 85.8267% | 3,350 |
Equity capital to assets | 13.9584% | 1,172 |
Core capital (leverage) ratio | 13.7018% | 942 |
Tier 1 risk-based capital ratio | 17.6059% | 2,494 |
Total risk-based capital ratio | 18.2167% | 2,709 |
Memoranda: | ||
Average total assets | $37,546,250 | 6,649 |
Average earning assets | $35,777,000 | 6,589 |
Average equity | $5,124,000 | 6,331 |
Average total loans | $27,665,250 | 6,126 |
2012-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3252% | 4,472 |
Cost of funding earning assets | 0.7421% | 3,669 |
Net interest margin | 3.5831% | 4,334 |
Noninterest income to average assets | 0.1859% | 6,239 |
Noninterest expense to average assets | 1.7742% | 6,778 |
Loan and lease loss provision to assets | 0.6693% | 845 |
Net operating income to assets | 1.1155% | 1,995 |
Return on assets (ROA) | 1.1155% | 2,205 |
Pretax return on assets | 1.1793% | 3,020 |
Return on Equity (ROE) | 8.2358% | 3,153 |
Retained earnings to average equity (ytd only) | -5.4906% | 6,651 |
Net charge-offs to loans | 0.7401% | 1,492 |
Credit loss provision to net charge-offs | 122.3301% | 2,244 |
Earnings coverage of net charge-offs (x) | 3.3786% | 3,394 |
Efficiency ratio | 48.9736% | 6,716 |
Assets per employee ($millions) | 4.7268% | 2,531 |
Cash dividends to net income (ytd only)* | 166.6667% | 128 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.6260% | 6,906 |
Loan loss allowance to noncurrent loans | 716.0000% | 550 |
Noncurrent assets plus other real estate owned to assets | 0.8595% | 4,659 |
Noncurrent loans to loans | 0.0874% | 6,445 |
Net loans and leases to total assets | 75.1441% | 1,084 |
Net loans and leases to deposits | 87.0344% | 1,474 |
Net loans and leases to core deposits | 98.4444% | 1,228 |
Total domestic deposits to total assets | 86.3384% | 3,170 |
Equity capital to assets | 13.4474% | 1,323 |
Core capital (leverage) ratio | 13.2717% | 1,063 |
Tier 1 risk-based capital ratio | 16.5238% | 2,903 |
Total risk-based capital ratio | 17.1071% | 3,212 |
Memoranda: | ||
Average total assets | $37,651,000 | 6,691 |
Average earning assets | $36,113,670 | 6,617 |
Average equity | $5,099,670 | 6,369 |
Average total loans | $27,833,000 | 6,158 |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4242% | 4,225 |
Cost of funding earning assets | 0.7651% | 3,749 |
Net interest margin | 3.6591% | 4,013 |
Noninterest income to average assets | 0.1597% | 6,429 |
Noninterest expense to average assets | 1.7674% | 6,829 |
Loan and lease loss provision to assets | 0.1597% | 3,385 |
Net operating income to assets | 1.6503% | 794 |
Return on assets (ROA) | 1.6503% | 886 |
Pretax return on assets | 1.7461% | 1,205 |
Return on Equity (ROE) | 12.1402% | 1,642 |
Retained earnings to average equity (ytd only) | -15.2732% | 6,979 |
Net charge-offs to loans | -0.0146% | 6,069 |
Credit loss provision to net charge-offs | -1,500.0000% | 5,990 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 48.1159% | 6,798 |
Assets per employee ($millions) | 4.7414% | 2,602 |
Cash dividends to net income (ytd only)* | 225.8065% | 128 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.6210% | 6,964 |
Loan loss allowance to noncurrent loans | 593.1034% | 593 |
Noncurrent assets plus other real estate owned to assets | 0.0765% | 6,694 |
Noncurrent loans to loans | 0.1047% | 6,498 |
Net loans and leases to total assets | 72.5686% | 1,305 |
Net loans and leases to deposits | 83.7981% | 1,690 |
Net loans and leases to core deposits | 97.1689% | 1,186 |
Total domestic deposits to total assets | 86.5994% | 3,174 |
Equity capital to assets | 13.1924% | 1,362 |
Core capital (leverage) ratio | 13.3054% | 1,023 |
Tier 1 risk-based capital ratio | 16.8181% | 2,751 |
Total risk-based capital ratio | 17.3948% | 3,066 |
Memoranda: | ||
Average total assets | $37,569,500 | 6,749 |
Average earning assets | $36,074,500 | 6,671 |
Average equity | $5,107,000 | 6,396 |
Average total loans | $27,452,500 | 6,218 |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4655% | 5,198 |
Cost of funding earning assets | 0.9981% | 3,398 |
Net interest margin | 3.4674% | 5,266 |
Noninterest income to average assets | 0.1670% | 6,293 |
Noninterest expense to average assets | 1.7841% | 6,973 |
Loan and lease loss provision to assets | 0.0000% | 6,496 |
Net operating income to assets | 1.6466% | 608 |
Return on assets (ROA) | 1.6516% | 643 |
Pretax return on assets | 1.7311% | 923 |
Return on Equity (ROE) | 12.5716% | 1,265 |
Retained earnings to average equity (ytd only) | 4.3991% | 3,044 |
Net charge-offs to loans | 0.2027% | 4,527 |
Credit loss provision to net charge-offs | 0.0000% | 6,066 |
Earnings coverage of net charge-offs (x) | 12.0556% | 1,654 |
Efficiency ratio | 50.8308% | 6,787 |
Assets per employee ($millions) | 4.6510% | 2,682 |
Cash dividends to net income (ytd only)* | 65.0080% | 1,351 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.5734% | 7,035 |
Loan loss allowance to noncurrent loans | 780.0000% | 480 |
Noncurrent assets plus other real estate owned to assets | 0.0538% | 6,825 |
Noncurrent loans to loans | 0.0735% | 6,635 |
Net loans and leases to total assets | 72.7021% | 1,514 |
Net loans and leases to deposits | 86.9555% | 1,537 |
Net loans and leases to core deposits | 99.5474% | 1,212 |
Total domestic deposits to total assets | 83.6084% | 4,494 |
Equity capital to assets | 14.0024% | 1,062 |
Core capital (leverage) ratio | 13.8801% | 852 |
Tier 1 risk-based capital ratio | 17.7040% | 2,304 |
Total risk-based capital ratio | 18.2340% | 2,572 |
Memoranda: | ||
Average total assets | $37,721,200 | 6,748 |
Average earning assets | $36,367,800 | 6,663 |
Average equity | $4,955,600 | 6,460 |
Average total loans | $26,641,400 | 6,318 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4784% | 5,317 |
Cost of funding earning assets | 1.0366% | 3,416 |
Net interest margin | 3.4419% | 5,422 |
Noninterest income to average assets | 0.1585% | 6,460 |
Noninterest expense to average assets | 1.7190% | 7,076 |
Loan and lease loss provision to assets | 0.0000% | 6,393 |
Net operating income to assets | 1.6838% | 660 |
Return on assets (ROA) | 1.6838% | 723 |
Pretax return on assets | 1.7613% | 1,024 |
Return on Equity (ROE) | 13.0278% | 1,269 |
Retained earnings to average equity (ytd only) | 1.9896% | 5,143 |
Net charge-offs to loans | 0.3069% | 3,557 |
Credit loss provision to net charge-offs | 0.0000% | 5,735 |
Earnings coverage of net charge-offs (x) | 8.1969% | 2,217 |
Efficiency ratio | 49.3927% | 6,860 |
Assets per employee ($millions) | 4.7215% | 2,597 |
Cash dividends to net income (ytd only)* | 84.7282% | 525 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.5294% | 7,150 |
Loan loss allowance to noncurrent loans | 127.3504% | 2,376 |
Noncurrent assets plus other real estate owned to assets | 0.3098% | 6,293 |
Noncurrent loans to loans | 0.4157% | 6,011 |
Net loans and leases to total assets | 74.1184% | 1,314 |
Net loans and leases to deposits | 88.0018% | 1,437 |
Net loans and leases to core deposits | 104.0705% | 977 |
Total domestic deposits to total assets | 84.2238% | 4,128 |
Equity capital to assets | 13.4253% | 1,401 |
Core capital (leverage) ratio | 13.1532% | 1,171 |
Tier 1 risk-based capital ratio | 16.6831% | 2,768 |
Total risk-based capital ratio | 17.1737% | 3,109 |
Memoranda: | ||
Average total assets | $37,849,500 | 6,804 |
Average earning assets | $36,529,750 | 6,715 |
Average equity | $4,892,000 | 6,527 |
Average total loans | $26,500,000 | 6,384 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4539% | 5,512 |
Cost of funding earning assets | 1.0657% | 3,505 |
Net interest margin | 3.3882% | 5,593 |
Noninterest income to average assets | 0.1531% | 6,555 |
Noninterest expense to average assets | 1.7426% | 7,140 |
Loan and lease loss provision to assets | 0.0000% | 6,217 |
Net operating income to assets | 1.6105% | 715 |
Return on assets (ROA) | 1.6105% | 761 |
Pretax return on assets | 1.6845% | 1,086 |
Return on Equity (ROE) | 12.6233% | 1,300 |
Retained earnings to average equity (ytd only) | -4.1388% | 6,485 |
Net charge-offs to loans | 0.3545% | 3,135 |
Credit loss provision to net charge-offs | 0.0000% | 5,336 |
Earnings coverage of net charge-offs (x) | 6.9348% | 2,307 |
Efficiency ratio | 50.8475% | 6,881 |
Assets per employee ($millions) | 4.7850% | 2,424 |
Cash dividends to net income (ytd only)* | 132.7869% | 241 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.6326% | 7,102 |
Loan loss allowance to noncurrent loans | 96.4706% | 2,990 |
Noncurrent assets plus other real estate owned to assets | 0.4441% | 6,035 |
Noncurrent loans to loans | 0.6558% | 5,604 |
Net loans and leases to total assets | 67.2936% | 2,761 |
Net loans and leases to deposits | 77.3899% | 3,234 |
Net loans and leases to core deposits | 89.1967% | 2,475 |
Total domestic deposits to total assets | 86.9540% | 2,765 |
Equity capital to assets | 12.7769% | 1,632 |
Core capital (leverage) ratio | 12.6385% | 1,311 |
Tier 1 risk-based capital ratio | 17.1455% | 2,461 |
Total risk-based capital ratio | 17.7200% | 2,720 |
Memoranda: | ||
Average total assets | $37,875,330 | 6,861 |
Average earning assets | $36,597,330 | 6,777 |
Average equity | $4,832,330 | 6,584 |
Average total loans | $25,951,670 | 6,485 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4543% | 5,499 |
Cost of funding earning assets | 1.1108% | 3,447 |
Net interest margin | 3.3435% | 5,630 |
Noninterest income to average assets | 0.1486% | 6,662 |
Noninterest expense to average assets | 1.7307% | 7,203 |
Loan and lease loss provision to assets | 0.0000% | 5,840 |
Net operating income to assets | 1.5927% | 704 |
Return on assets (ROA) | 1.5927% | 750 |
Pretax return on assets | 1.6457% | 1,089 |
Return on Equity (ROE) | 12.4922% | 1,327 |
Retained earnings to average equity (ytd only) | -21.2367% | 7,173 |
Net charge-offs to loans | 0.7086% | 1,799 |
Credit loss provision to net charge-offs | 0.0000% | 4,480 |
Earnings coverage of net charge-offs (x) | 3.3696% | 2,763 |
Efficiency ratio | 51.2579% | 6,904 |
Assets per employee ($millions) | 4.8066% | 2,418 |
Cash dividends to net income (ytd only)* | 270.0000% | 116 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.6206% | 7,182 |
Loan loss allowance to noncurrent loans | 117.9856% | 2,461 |
Noncurrent assets plus other real estate owned to assets | 0.3615% | 6,305 |
Noncurrent loans to loans | 0.5260% | 5,972 |
Net loans and leases to total assets | 68.2990% | 2,489 |
Net loans and leases to deposits | 78.0058% | 3,058 |
Net loans and leases to core deposits | 92.4591% | 2,074 |
Total domestic deposits to total assets | 87.5562% | 2,635 |
Equity capital to assets | 12.1577% | 1,824 |
Core capital (leverage) ratio | 12.1308% | 1,490 |
Tier 1 risk-based capital ratio | 16.3116% | 2,754 |
Total risk-based capital ratio | 16.8761% | 3,047 |
Memoranda: | ||
Average total assets | $37,673,000 | 6,918 |
Average earning assets | $36,369,000 | 6,834 |
Average equity | $4,803,000 | 6,617 |
Average total loans | $25,965,500 | 6,525 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9972% | 4,573 |
Cost of funding earning assets | 1.3005% | 3,879 |
Net interest margin | 3.6967% | 4,359 |
Noninterest income to average assets | 0.2560% | 5,971 |
Noninterest expense to average assets | 2.1297% | 6,773 |
Loan and lease loss provision to assets | 0.2440% | 4,849 |
Net operating income to assets | 1.3477% | 1,058 |
Return on assets (ROA) | 1.3706% | 1,080 |
Pretax return on assets | 1.4429% | 1,529 |
Return on Equity (ROE) | 9.4606% | 2,129 |
Retained earnings to average equity (ytd only) | 5.7180% | 1,980 |
Net charge-offs to loans | 0.3535% | 4,252 |
Credit loss provision to net charge-offs | 95.2941% | 4,877 |
Earnings coverage of net charge-offs (x) | 6.4941% | 2,346 |
Efficiency ratio | 56.1557% | 6,581 |
Assets per employee ($millions) | 5.2704% | 1,783 |
Cash dividends to net income (ytd only)* | 39.5604% | 2,633 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8234% | 6,925 |
Loan loss allowance to noncurrent loans | 107.1429% | 2,700 |
Noncurrent assets plus other real estate owned to assets | 0.5313% | 5,970 |
Noncurrent loans to loans | 0.7685% | 5,513 |
Net loans and leases to total assets | 68.5604% | 2,850 |
Net loans and leases to deposits | 79.4285% | 3,270 |
Net loans and leases to core deposits | 95.1260% | 2,110 |
Total domestic deposits to total assets | 86.3172% | 3,191 |
Equity capital to assets | 13.3657% | 1,233 |
Core capital (leverage) ratio | 13.7168% | 926 |
Tier 1 risk-based capital ratio | 17.7527% | 2,077 |
Total risk-based capital ratio | 18.4992% | 2,215 |
Memoranda: | ||
Average total assets | $33,197,000 | 7,109 |
Average earning assets | $31,757,800 | 7,027 |
Average equity | $4,809,400 | 6,722 |
Average total loans | $24,045,000 | 6,727 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1408% | 4,120 |
Cost of funding earning assets | 1.3219% | 4,099 |
Net interest margin | 3.8189% | 3,887 |
Noninterest income to average assets | 0.2768% | 5,891 |
Noninterest expense to average assets | 2.1194% | 6,807 |
Loan and lease loss provision to assets | 0.2520% | 4,570 |
Net operating income to assets | 1.4848% | 949 |
Return on assets (ROA) | 1.5162% | 972 |
Pretax return on assets | 1.5906% | 1,367 |
Return on Equity (ROE) | 10.2390% | 2,030 |
Retained earnings to average equity (ytd only) | 5.2172% | 2,832 |
Net charge-offs to loans | 0.4842% | 3,338 |
Credit loss provision to net charge-offs | 70.9302% | 5,391 |
Earnings coverage of net charge-offs (x) | 5.0932% | 2,854 |
Efficiency ratio | 53.9432% | 6,794 |
Assets per employee ($millions) | 4.8660% | 2,372 |
Cash dividends to net income (ytd only)* | 49.0456% | 1,668 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.7450% | 7,120 |
Loan loss allowance to noncurrent loans | 109.8837% | 2,547 |
Noncurrent assets plus other real estate owned to assets | 0.5050% | 6,168 |
Noncurrent loans to loans | 0.6780% | 5,849 |
Net loans and leases to total assets | 73.9240% | 1,822 |
Net loans and leases to deposits | 86.8605% | 2,171 |
Net loans and leases to core deposits | 101.8526% | 1,669 |
Total domestic deposits to total assets | 85.1066% | 3,569 |
Equity capital to assets | 14.4883% | 1,021 |
Core capital (leverage) ratio | 14.4256% | 828 |
Tier 1 risk-based capital ratio | 17.7330% | 2,098 |
Total risk-based capital ratio | 18.4161% | 2,245 |
Memoranda: | ||
Average total assets | $32,273,000 | 7,222 |
Average earning assets | $30,863,500 | 7,141 |
Average equity | $4,779,000 | 6,819 |
Average total loans | $23,680,250 | 6,834 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0969% | 4,474 |
Cost of funding earning assets | 1.3006% | 4,537 |
Net interest margin | 3.7963% | 3,907 |
Noninterest income to average assets | 0.3157% | 5,632 |
Noninterest expense to average assets | 2.0836% | 6,957 |
Loan and lease loss provision to assets | 0.2589% | 4,344 |
Net operating income to assets | 1.5120% | 896 |
Return on assets (ROA) | 1.5595% | 851 |
Pretax return on assets | 1.6542% | 1,158 |
Return on Equity (ROE) | 10.4506% | 1,944 |
Retained earnings to average equity (ytd only) | 2.8348% | 4,339 |
Net charge-offs to loans | 0.0346% | 5,871 |
Credit loss provision to net charge-offs | 1,025.0000% | 363 |
Earnings coverage of net charge-offs (x) | 73.7500% | 430 |
Efficiency ratio | 52.8000% | 7,001 |
Assets per employee ($millions) | 4.6723% | 2,620 |
Cash dividends to net income (ytd only)* | 72.8745% | 954 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0162% | 6,331 |
Loan loss allowance to noncurrent loans | 94.0075% | 2,921 |
Noncurrent assets plus other real estate owned to assets | 0.8164% | 5,492 |
Noncurrent loans to loans | 1.0809% | 5,156 |
Net loans and leases to total assets | 74.7569% | 1,748 |
Net loans and leases to deposits | 87.9940% | 2,167 |
Net loans and leases to core deposits | 99.7756% | 2,045 |
Total domestic deposits to total assets | 84.9569% | 3,654 |
Equity capital to assets | 14.6793% | 956 |
Core capital (leverage) ratio | 14.7298% | 781 |
Tier 1 risk-based capital ratio | 17.9500% | 1,972 |
Total risk-based capital ratio | 18.8913% | 2,030 |
Memoranda: | ||
Average total assets | $31,676,670 | 7,293 |
Average earning assets | $30,293,000 | 7,217 |
Average equity | $4,727,000 | 6,870 |
Average total loans | $23,117,330 | 6,905 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1952% | 4,044 |
Cost of funding earning assets | 1.3021% | 4,800 |
Net interest margin | 3.8930% | 3,363 |
Noninterest income to average assets | 0.4621% | 4,366 |
Noninterest expense to average assets | 2.1051% | 6,926 |
Loan and lease loss provision to assets | 0.2567% | 3,987 |
Net operating income to assets | 1.7111% | 602 |
Return on assets (ROA) | 1.7714% | 579 |
Pretax return on assets | 1.8869% | 750 |
Return on Equity (ROE) | 11.7697% | 1,556 |
Retained earnings to average equity (ytd only) | -3.5821% | 6,444 |
Net charge-offs to loans | 0.0000% | 5,609 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 50.3067% | 7,295 |
Assets per employee ($millions) | 4.5490% | 2,875 |
Cash dividends to net income (ytd only)* | 130.4348% | 388 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0062% | 6,433 |
Loan loss allowance to noncurrent loans | 90.0000% | 3,059 |
Noncurrent assets plus other real estate owned to assets | 0.8165% | 5,522 |
Noncurrent loans to loans | 1.1180% | 5,124 |
Net loans and leases to total assets | 72.2953% | 2,388 |
Net loans and leases to deposits | 85.0865% | 2,746 |
Net loans and leases to core deposits | 92.7817% | 3,004 |
Total domestic deposits to total assets | 84.9669% | 3,691 |
Equity capital to assets | 14.7128% | 955 |
Core capital (leverage) ratio | 14.8438% | 784 |
Tier 1 risk-based capital ratio | 18.5780% | 1,817 |
Total risk-based capital ratio | 19.5074% | 1,858 |
Memoranda: | ||
Average total assets | $31,162,000 | 7,400 |
Average earning assets | $29,797,000 | 7,331 |
Average equity | $4,690,000 | 6,950 |
Average total loans | $22,325,500 | 7,035 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3825% | 4,774 |
Cost of funding earning assets | 1.6151% | 4,966 |
Net interest margin | 3.7674% | 3,842 |
Noninterest income to average assets | 0.3565% | 5,548 |
Noninterest expense to average assets | 2.4038% | 6,455 |
Loan and lease loss provision to assets | 0.0000% | 7,427 |
Net operating income to assets | 1.4643% | 729 |
Return on assets (ROA) | 1.5142% | 699 |
Pretax return on assets | 1.5516% | 1,071 |
Return on Equity (ROE) | 10.0482% | 1,673 |
Retained earnings to average equity (ytd only) | 10.0482% | 369 |
Net charge-offs to loans | 1.1422% | 2,139 |
Credit loss provision to net charge-offs | 0.0000% | 7,003 |
Earnings coverage of net charge-offs (x) | 1.8340% | 4,350 |
Efficiency ratio | 61.5652% | 6,229 |
Assets per employee ($millions) | 4.3544% | 3,183 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0002% | 6,381 |
Loan loss allowance to noncurrent loans | 40.4537% | 5,706 |
Noncurrent assets plus other real estate owned to assets | 1.7355% | 3,767 |
Noncurrent loans to loans | 2.4724% | 3,076 |
Net loans and leases to total assets | 69.4925% | 3,366 |
Net loans and leases to deposits | 82.4395% | 3,556 |
Net loans and leases to core deposits | 115.6096% | 2,362 |
Total domestic deposits to total assets | 84.2951% | 3,896 |
Equity capital to assets | 15.4030% | 817 |
Core capital (leverage) ratio | 15.6934% | 662 |
Tier 1 risk-based capital ratio | 19.9417% | 1,472 |
Total risk-based capital ratio | 20.8460% | 1,504 |
Memoranda: | ||
Average total assets | $29,453,800 | 7,493 |
Average earning assets | $27,738,200 | 7,438 |
Average equity | $4,438,600 | 7,132 |
Average total loans | $21,099,200 | 7,134 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.6022% | 3,849 |
Cost of funding earning assets | 1.6811% | 4,992 |
Net interest margin | 3.9210% | 3,155 |
Noninterest income to average assets | 0.3927% | 5,357 |
Noninterest expense to average assets | 2.2193% | 6,924 |
Loan and lease loss provision to assets | 0.0000% | 7,284 |
Net operating income to assets | 1.7680% | 484 |
Return on assets (ROA) | 1.7810% | 496 |
Pretax return on assets | 1.8723% | 697 |
Return on Equity (ROE) | 11.8868% | 1,387 |
Retained earnings to average equity (ytd only) | 11.8868% | 356 |
Net charge-offs to loans | 0.0507% | 6,206 |
Credit loss provision to net charge-offs | 0.0000% | 6,657 |
Earnings coverage of net charge-offs (x) | 50.8575% | 622 |
Efficiency ratio | 54.4233% | 7,193 |
Assets per employee ($millions) | 4.1483% | 3,463 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0763% | 1,636 |
Loan loss allowance to noncurrent loans | 81.5693% | 3,346 |
Noncurrent assets plus other real estate owned to assets | 1.8872% | 3,529 |
Noncurrent loans to loans | 2.5454% | 2,965 |
Net loans and leases to total assets | 72.6014% | 2,886 |
Net loans and leases to deposits | 86.6752% | 3,190 |
Net loans and leases to core deposits | 118.3186% | 2,386 |
Total domestic deposits to total assets | 83.7627% | 3,832 |
Equity capital to assets | 15.8585% | 813 |
Core capital (leverage) ratio | 15.9337% | 687 |
Tier 1 risk-based capital ratio | 19.9163% | 1,576 |
Total risk-based capital ratio | 21.1763% | 1,526 |
Memoranda: | ||
Average total assets | $29,197,000 | 7,566 |
Average earning assets | $27,441,000 | 7,518 |
Average equity | $4,374,500 | 7,224 |
Average total loans | $21,025,000 | 7,199 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.6591% | 3,772 |
Cost of funding earning assets | 1.7502% | 5,010 |
Net interest margin | 3.9088% | 3,071 |
Noninterest income to average assets | 0.3692% | 5,555 |
Noninterest expense to average assets | 2.1607% | 7,151 |
Loan and lease loss provision to assets | 0.0000% | 7,158 |
Net operating income to assets | 1.7846% | 485 |
Return on assets (ROA) | 1.7846% | 522 |
Pretax return on assets | 1.8735% | 734 |
Return on Equity (ROE) | 12.1461% | 1,370 |
Retained earnings to average equity (ytd only) | 12.1461% | 419 |
Net charge-offs to loans | 0.0959% | 5,212 |
Credit loss provision to net charge-offs | 0.0000% | 6,237 |
Earnings coverage of net charge-offs (x) | 27.4000% | 1,059 |
Efficiency ratio | 53.5593% | 7,377 |
Assets per employee ($millions) | 4.1671% | 3,357 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1696% | 1,288 |
Loan loss allowance to noncurrent loans | 81.0565% | 3,478 |
Noncurrent assets plus other real estate owned to assets | 1.8821% | 3,360 |
Noncurrent loans to loans | 2.6766% | 2,691 |
Net loans and leases to total assets | 68.7899% | 3,999 |
Net loans and leases to deposits | 82.0360% | 4,216 |
Net loans and leases to core deposits | 110.1136% | 3,360 |
Total domestic deposits to total assets | 83.8533% | 3,841 |
Equity capital to assets | 15.2691% | 971 |
Core capital (leverage) ratio | 15.4370% | 835 |
Tier 1 risk-based capital ratio | 19.5853% | 1,658 |
Total risk-based capital ratio | 20.8423% | 1,618 |
Memoranda: | ||
Average total assets | $29,250,000 | 7,634 |
Average earning assets | $27,425,000 | 7,583 |
Average equity | $4,297,670 | 7,310 |
Average total loans | $20,857,000 | 7,276 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.8680% | 2,947 |
Cost of funding earning assets | 1.8530% | 4,864 |
Net interest margin | 4.0149% | 2,588 |
Noninterest income to average assets | 0.2731% | 6,246 |
Noninterest expense to average assets | 2.1987% | 6,869 |
Loan and lease loss provision to assets | 0.0000% | 6,744 |
Net operating income to assets | 1.7071% | 638 |
Return on assets (ROA) | 1.7071% | 704 |
Pretax return on assets | 1.8027% | 970 |
Return on Equity (ROE) | 11.8497% | 1,713 |
Retained earnings to average equity (ytd only) | 11.8497% | 820 |
Net charge-offs to loans | -0.0380% | 7,625 |
Credit loss provision to net charge-offs | 0.0000% | 5,248 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 54.9488% | 7,107 |
Assets per employee ($millions) | 4.1563% | 3,345 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.2092% | 1,071 |
Loan loss allowance to noncurrent loans | 68.1073% | 4,174 |
Noncurrent assets plus other real estate owned to assets | 2.3063% | 2,493 |
Noncurrent loans to loans | 3.2437% | 1,986 |
Net loans and leases to total assets | 69.5298% | 3,794 |
Net loans and leases to deposits | 82.0383% | 4,278 |
Net loans and leases to core deposits | 110.7346% | 3,339 |
Total domestic deposits to total assets | 84.7529% | 3,324 |
Equity capital to assets | 14.8450% | 1,147 |
Core capital (leverage) ratio | 15.0515% | 962 |
Tier 1 risk-based capital ratio | 19.3581% | 1,743 |
Total risk-based capital ratio | 20.6172% | 1,695 |
Memoranda: | ||
Average total assets | $29,290,000 | 7,675 |
Average earning assets | $27,198,500 | 7,635 |
Average equity | $4,219,500 | 7,376 |
Average total loans | $21,030,000 | 7,310 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.6332% | 2,325 |
Cost of funding earning assets | 2.5993% | 3,685 |
Net interest margin | 4.0339% | 2,962 |
Noninterest income to average assets | 0.3721% | 5,723 |
Noninterest expense to average assets | 2.3892% | 6,434 |
Loan and lease loss provision to assets | 0.0000% | 7,334 |
Net operating income to assets | 1.6868% | 696 |
Return on assets (ROA) | 1.7562% | 575 |
Pretax return on assets | 1.8501% | 852 |
Return on Equity (ROE) | 11.6634% | 1,694 |
Retained earnings to average equity (ytd only) | 0.1155% | 5,164 |
Net charge-offs to loans | -0.0327% | 7,982 |
Credit loss provision to net charge-offs | 0.0000% | 6,652 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 57.3456% | 6,810 |
Assets per employee ($millions) | 4.2123% | 3,094 |
Cash dividends to net income (ytd only)* | 99.0099% | 1,021 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1288% | 1,030 |
Loan loss allowance to noncurrent loans | 127.8090% | 2,836 |
Noncurrent assets plus other real estate owned to assets | 1.2074% | 3,828 |
Noncurrent loans to loans | 1.6656% | 3,272 |
Net loans and leases to total assets | 70.9455% | 3,799 |
Net loans and leases to deposits | 82.9099% | 4,586 |
Net loans and leases to core deposits | 112.7770% | 3,475 |
Total domestic deposits to total assets | 85.5694% | 2,598 |
Equity capital to assets | 13.9727% | 1,432 |
Core capital (leverage) ratio | 14.9767% | 1,045 |
Tier 1 risk-based capital ratio | 18.0493% | 2,026 |
Total risk-based capital ratio | 19.3081% | 1,977 |
Memoranda: | ||
Average total assets | $28,754,800 | 7,691 |
Average earning assets | $27,045,600 | 7,662 |
Average equity | $4,329,800 | 7,383 |
Average total loans | $21,379,800 | 7,239 |