Home > The National Bank & Trust Company of Sycamore > Performance and Condition Ratios
The National Bank & Trust Company of Sycamore, Performance and Condition Ratios
2015-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7247% | 4,294 |
Cost of funding earning assets | 0.3710% | 3,476 |
Net interest margin | 3.3537% | 4,099 |
Noninterest income to average assets | 1.3705% | 642 |
Noninterest expense to average assets | 3.6667% | 1,023 |
Loan and lease loss provision to assets | 0.1283% | 1,879 |
Net operating income to assets | 0.4671% | 4,823 |
Return on assets (ROA) | 0.5438% | 4,619 |
Pretax return on assets | 0.6771% | 4,592 |
Return on Equity (ROE) | 5.7374% | 4,163 |
Retained earnings to average equity (ytd only) | 5.4093% | 2,137 |
Net charge-offs to loans | 0.1097% | 2,280 |
Credit loss provision to net charge-offs | 181.3187% | 1,506 |
Earnings coverage of net charge-offs (x) | 10.0264% | 2,744 |
Efficiency ratio | 83.7456% | 1,201 |
Assets per employee ($millions) | 3.4964% | 4,844 |
Cash dividends to net income (ytd only)* | 5.7192% | 4,170 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0060% | 4,570 |
Loan loss allowance to noncurrent loans | 249.8539% | 1,925 |
Noncurrent assets plus other real estate owned to assets | 1.1507% | 1,896 |
Noncurrent loans to loans | 0.4026% | 4,012 |
Net loans and leases to total assets | 66.4735% | 2,914 |
Net loans and leases to deposits | 74.1891% | 3,469 |
Net loans and leases to core deposits | 78.5189% | 3,491 |
Total domestic deposits to total assets | 89.6001% | 800 |
Equity capital to assets | 9.8931% | 4,078 |
Core capital (leverage) ratio | 8.9232% | 4,976 |
Tier 1 risk-based capital ratio | 12.7442% | 4,482 |
Total risk-based capital ratio | 13.6681% | 4,580 |
Memoranda: | ||
Average total assets | $643,033,000 | 1,064 |
Average earning assets | $576,294,000 | 1,079 |
Average equity | $60,951,000 | 1,244 |
Average total loans | $414,587,000 | 1,104 |
2015-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6785% | 4,484 |
Cost of funding earning assets | 0.3678% | 3,571 |
Net interest margin | 3.3107% | 4,297 |
Noninterest income to average assets | 1.3453% | 674 |
Noninterest expense to average assets | 3.6752% | 1,014 |
Loan and lease loss provision to assets | 0.1239% | 1,837 |
Net operating income to assets | 0.3520% | 5,308 |
Return on assets (ROA) | 0.4399% | 5,100 |
Pretax return on assets | 0.6367% | 4,878 |
Return on Equity (ROE) | 4.6912% | 4,760 |
Retained earnings to average equity (ytd only) | 4.6912% | 3,137 |
Net charge-offs to loans | 0.1100% | 2,023 |
Credit loss provision to net charge-offs | 176.4706% | 1,492 |
Earnings coverage of net charge-offs (x) | 9.0177% | 2,744 |
Efficiency ratio | 85.2596% | 1,061 |
Assets per employee ($millions) | 3.6490% | 4,521 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0022% | 4,733 |
Loan loss allowance to noncurrent loans | 242.0105% | 1,917 |
Noncurrent assets plus other real estate owned to assets | 1.1036% | 2,146 |
Noncurrent loans to loans | 0.4141% | 4,122 |
Net loans and leases to total assets | 61.2764% | 3,697 |
Net loans and leases to deposits | 67.9109% | 4,196 |
Net loans and leases to core deposits | 76.4283% | 3,751 |
Total domestic deposits to total assets | 90.2306% | 492 |
Equity capital to assets | 9.2048% | 5,107 |
Core capital (leverage) ratio | 8.7177% | 5,331 |
Tier 1 risk-based capital ratio | 12.5668% | 4,707 |
Total risk-based capital ratio | 13.4762% | 4,844 |
Memoranda: | ||
Average total assets | $645,580,750 | 1,069 |
Average earning assets | $577,787,500 | 1,088 |
Average equity | $60,536,750 | 1,263 |
Average total loans | $411,997,000 | 1,109 |
2015-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6847% | 4,451 |
Cost of funding earning assets | 0.3746% | 3,556 |
Net interest margin | 3.3101% | 4,266 |
Noninterest income to average assets | 1.3260% | 698 |
Noninterest expense to average assets | 3.6705% | 1,026 |
Loan and lease loss provision to assets | 0.1177% | 1,884 |
Net operating income to assets | 0.3377% | 5,336 |
Return on assets (ROA) | 0.4518% | 5,067 |
Pretax return on assets | 0.6550% | 4,807 |
Return on Equity (ROE) | 4.7875% | 4,710 |
Retained earnings to average equity (ytd only) | 4.7875% | 2,999 |
Net charge-offs to loans | 0.1207% | 1,805 |
Credit loss provision to net charge-offs | 151.2097% | 1,524 |
Earnings coverage of net charge-offs (x) | 7.7984% | 2,628 |
Efficiency ratio | 85.7604% | 1,077 |
Assets per employee ($millions) | 3.4590% | 4,870 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9774% | 4,979 |
Loan loss allowance to noncurrent loans | 335.1621% | 1,465 |
Noncurrent assets plus other real estate owned to assets | 1.0770% | 2,360 |
Noncurrent loans to loans | 0.2916% | 4,638 |
Net loans and leases to total assets | 63.8372% | 3,282 |
Net loans and leases to deposits | 70.9513% | 3,829 |
Net loans and leases to core deposits | 74.8712% | 3,872 |
Total domestic deposits to total assets | 89.9732% | 674 |
Equity capital to assets | 9.4745% | 4,682 |
Core capital (leverage) ratio | 8.6346% | 5,390 |
Tier 1 risk-based capital ratio | 12.5029% | 4,803 |
Total risk-based capital ratio | 13.3894% | 4,947 |
Memoranda: | ||
Average total assets | $636,966,000 | 1,084 |
Average earning assets | $568,023,670 | 1,111 |
Average equity | $60,114,670 | 1,277 |
Average total loans | $410,799,330 | 1,118 |
2015-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7014% | 4,356 |
Cost of funding earning assets | 0.3719% | 3,623 |
Net interest margin | 3.3295% | 4,096 |
Noninterest income to average assets | 1.4389% | 568 |
Noninterest expense to average assets | 3.6973% | 1,017 |
Loan and lease loss provision to assets | 0.0944% | 2,106 |
Net operating income to assets | 0.3937% | 5,091 |
Return on assets (ROA) | 0.6093% | 4,335 |
Pretax return on assets | 0.9429% | 3,728 |
Return on Equity (ROE) | 6.4687% | 3,788 |
Retained earnings to average equity (ytd only) | 6.4687% | 2,253 |
Net charge-offs to loans | 0.0956% | 1,764 |
Credit loss provision to net charge-offs | 153.0612% | 1,230 |
Earnings coverage of net charge-offs (x) | 11.4388% | 1,862 |
Efficiency ratio | 83.9314% | 1,392 |
Assets per employee ($millions) | 3.5844% | 4,751 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9653% | 5,194 |
Loan loss allowance to noncurrent loans | 315.5502% | 1,519 |
Noncurrent assets plus other real estate owned to assets | 1.3206% | 2,009 |
Noncurrent loans to loans | 0.3059% | 4,694 |
Net loans and leases to total assets | 61.5532% | 3,440 |
Net loans and leases to deposits | 68.1385% | 3,940 |
Net loans and leases to core deposits | 76.7005% | 3,521 |
Total domestic deposits to total assets | 90.3355% | 593 |
Equity capital to assets | 9.1760% | 5,118 |
Core capital (leverage) ratio | 8.9658% | 4,990 |
Tier 1 risk-based capital ratio | 13.0661% | 4,562 |
Total risk-based capital ratio | 13.9456% | 4,709 |
Memoranda: | ||
Average total assets | $635,490,500 | 1,095 |
Average earning assets | $565,739,000 | 1,120 |
Average equity | $59,857,500 | 1,282 |
Average total loans | $409,930,500 | 1,118 |
2014-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7137% | 4,740 |
Cost of funding earning assets | 0.3785% | 3,925 |
Net interest margin | 3.3352% | 4,457 |
Noninterest income to average assets | 1.3423% | 676 |
Noninterest expense to average assets | 3.9277% | 827 |
Loan and lease loss provision to assets | 0.2156% | 1,157 |
Net operating income to assets | 0.1484% | 5,883 |
Return on assets (ROA) | 0.1983% | 5,823 |
Pretax return on assets | 0.2322% | 5,818 |
Return on Equity (ROE) | 2.1257% | 5,739 |
Retained earnings to average equity (ytd only) | 2.1257% | 4,717 |
Net charge-offs to loans | 0.1727% | 2,301 |
Credit loss provision to net charge-offs | 197.0803% | 1,253 |
Earnings coverage of net charge-offs (x) | 3.5562% | 3,863 |
Efficiency ratio | 90.6115% | 807 |
Assets per employee ($millions) | 3.3412% | 5,197 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9526% | 5,280 |
Loan loss allowance to noncurrent loans | 54.6995% | 4,965 |
Noncurrent assets plus other real estate owned to assets | 2.3870% | 980 |
Noncurrent loans to loans | 1.7415% | 1,665 |
Net loans and leases to total assets | 66.4055% | 2,821 |
Net loans and leases to deposits | 73.9219% | 3,448 |
Net loans and leases to core deposits | 78.1339% | 3,502 |
Total domestic deposits to total assets | 89.8320% | 807 |
Equity capital to assets | 9.6602% | 4,522 |
Core capital (leverage) ratio | 8.5458% | 5,505 |
Tier 1 risk-based capital ratio | 12.2806% | 5,171 |
Total risk-based capital ratio | 13.1517% | 5,337 |
Memoranda: | ||
Average total assets | $626,237,800 | 1,063 |
Average earning assets | $558,499,600 | 1,090 |
Average equity | $58,428,000 | 1,251 |
Average total loans | $396,657,000 | 1,111 |
2014-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6447% | 5,021 |
Cost of funding earning assets | 0.3770% | 4,056 |
Net interest margin | 3.2677% | 4,730 |
Noninterest income to average assets | 1.2955% | 726 |
Noninterest expense to average assets | 3.6589% | 1,198 |
Loan and lease loss provision to assets | 0.1323% | 1,897 |
Net operating income to assets | 0.3200% | 5,526 |
Return on assets (ROA) | 0.3596% | 5,477 |
Pretax return on assets | 0.4718% | 5,402 |
Return on Equity (ROE) | 3.8877% | 5,214 |
Retained earnings to average equity (ytd only) | 3.8877% | 3,884 |
Net charge-offs to loans | 0.1766% | 2,038 |
Credit loss provision to net charge-offs | 119.9616% | 1,918 |
Earnings coverage of net charge-offs (x) | 5.0058% | 3,338 |
Efficiency ratio | 86.3936% | 1,147 |
Assets per employee ($millions) | 3.6125% | 4,656 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8199% | 5,827 |
Loan loss allowance to noncurrent loans | 31.7358% | 5,681 |
Noncurrent assets plus other real estate owned to assets | 2.3354% | 1,166 |
Noncurrent loans to loans | 2.5834% | 1,115 |
Net loans and leases to total assets | 61.1911% | 3,595 |
Net loans and leases to deposits | 67.5530% | 4,178 |
Net loans and leases to core deposits | 76.7622% | 3,662 |
Total domestic deposits to total assets | 90.5824% | 494 |
Equity capital to assets | 8.9834% | 5,370 |
Core capital (leverage) ratio | 8.6377% | 5,516 |
Tier 1 risk-based capital ratio | 12.6228% | 5,087 |
Total risk-based capital ratio | 13.3833% | 5,324 |
Memoranda: | ||
Average total assets | $629,935,750 | 1,070 |
Average earning assets | $562,005,750 | 1,089 |
Average equity | $58,268,250 | 1,258 |
Average total loans | $393,336,500 | 1,118 |
2014-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6443% | 5,028 |
Cost of funding earning assets | 0.3890% | 4,003 |
Net interest margin | 3.2553% | 4,758 |
Noninterest income to average assets | 1.3726% | 640 |
Noninterest expense to average assets | 3.7085% | 1,123 |
Loan and lease loss provision to assets | 0.1211% | 2,028 |
Net operating income to assets | 0.3399% | 5,433 |
Return on assets (ROA) | 0.3787% | 5,366 |
Pretax return on assets | 0.4981% | 5,279 |
Return on Equity (ROE) | 4.0522% | 5,124 |
Retained earnings to average equity (ytd only) | 4.0522% | 3,600 |
Net charge-offs to loans | 0.1797% | 1,957 |
Credit loss provision to net charge-offs | 107.4499% | 1,862 |
Earnings coverage of net charge-offs (x) | 5.0430% | 2,994 |
Efficiency ratio | 85.9903% | 1,271 |
Assets per employee ($millions) | 3.4281% | 5,000 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8244% | 5,919 |
Loan loss allowance to noncurrent loans | 62.1385% | 4,744 |
Noncurrent assets plus other real estate owned to assets | 1.8605% | 1,750 |
Noncurrent loans to loans | 1.3267% | 2,594 |
Net loans and leases to total assets | 62.9727% | 3,242 |
Net loans and leases to deposits | 69.9291% | 3,833 |
Net loans and leases to core deposits | 73.7650% | 3,861 |
Total domestic deposits to total assets | 90.0521% | 781 |
Equity capital to assets | 9.4874% | 4,767 |
Core capital (leverage) ratio | 8.5957% | 5,536 |
Tier 1 risk-based capital ratio | 12.9066% | 4,969 |
Total risk-based capital ratio | 13.6734% | 5,198 |
Memoranda: | ||
Average total assets | $619,553,330 | 1,086 |
Average earning assets | $552,694,000 | 1,101 |
Average equity | $57,895,000 | 1,263 |
Average total loans | $388,492,670 | 1,130 |
2014-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7049% | 4,830 |
Cost of funding earning assets | 0.4139% | 3,825 |
Net interest margin | 3.2910% | 4,584 |
Noninterest income to average assets | 1.3016% | 660 |
Noninterest expense to average assets | 3.7546% | 1,050 |
Loan and lease loss provision to assets | 0.0972% | 2,305 |
Net operating income to assets | 0.2967% | 5,502 |
Return on assets (ROA) | 0.2967% | 5,544 |
Pretax return on assets | 0.3810% | 5,513 |
Return on Equity (ROE) | 3.2002% | 5,389 |
Retained earnings to average equity (ytd only) | 3.2002% | 4,203 |
Net charge-offs to loans | 0.1248% | 1,970 |
Credit loss provision to net charge-offs | 125.0000% | 1,406 |
Earnings coverage of net charge-offs (x) | 6.1500% | 2,268 |
Efficiency ratio | 87.9688% | 1,227 |
Assets per employee ($millions) | 3.4541% | 5,025 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8504% | 6,002 |
Loan loss allowance to noncurrent loans | 165.9898% | 2,459 |
Noncurrent assets plus other real estate owned to assets | 1.4376% | 2,467 |
Noncurrent loans to loans | 0.5123% | 4,633 |
Net loans and leases to total assets | 60.9827% | 3,401 |
Net loans and leases to deposits | 67.5318% | 3,908 |
Net loans and leases to core deposits | 73.3987% | 3,714 |
Total domestic deposits to total assets | 90.3021% | 915 |
Equity capital to assets | 9.2367% | 4,832 |
Core capital (leverage) ratio | 8.4549% | 5,697 |
Tier 1 risk-based capital ratio | 12.9009% | 5,058 |
Total risk-based capital ratio | 13.6790% | 5,292 |
Memoranda: | ||
Average total assets | $617,374,000 | 1,106 |
Average earning assets | $549,867,500 | 1,119 |
Average equity | $57,246,000 | 1,268 |
Average total loans | $384,659,000 | 1,146 |
2013-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6181% | 5,363 |
Cost of funding earning assets | 0.5204% | 3,390 |
Net interest margin | 3.0977% | 5,323 |
Noninterest income to average assets | 1.5768% | 579 |
Noninterest expense to average assets | 3.7239% | 1,250 |
Loan and lease loss provision to assets | 0.3257% | 1,003 |
Net operating income to assets | 0.1964% | 5,829 |
Return on assets (ROA) | 0.2489% | 5,763 |
Pretax return on assets | 0.3287% | 5,650 |
Return on Equity (ROE) | 2.6238% | 5,642 |
Retained earnings to average equity (ytd only) | -4.0909% | 6,324 |
Net charge-offs to loans | 0.8352% | 739 |
Credit loss provision to net charge-offs | 68.7395% | 3,339 |
Earnings coverage of net charge-offs (x) | 1.2353% | 4,656 |
Efficiency ratio | 85.7032% | 1,441 |
Assets per employee ($millions) | 3.3677% | 5,165 |
Cash dividends to net income (ytd only)* | 255.9181% | 51 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8420% | 6,082 |
Loan loss allowance to noncurrent loans | 54.1625% | 5,087 |
Noncurrent assets plus other real estate owned to assets | 2.2174% | 1,612 |
Noncurrent loans to loans | 1.5546% | 2,565 |
Net loans and leases to total assets | 62.5946% | 3,276 |
Net loans and leases to deposits | 69.3789% | 3,860 |
Net loans and leases to core deposits | 73.6976% | 3,868 |
Total domestic deposits to total assets | 90.2215% | 957 |
Equity capital to assets | 9.3092% | 4,682 |
Core capital (leverage) ratio | 8.4152% | 5,759 |
Tier 1 risk-based capital ratio | 12.7613% | 5,138 |
Total risk-based capital ratio | 13.5311% | 5,368 |
Memoranda: | ||
Average total assets | $627,838,800 | 1,064 |
Average earning assets | $553,795,000 | 1,095 |
Average equity | $59,571,000 | 1,210 |
Average total loans | $356,222,200 | 1,202 |
2013-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5743% | 5,514 |
Cost of funding earning assets | 0.5380% | 3,377 |
Net interest margin | 3.0363% | 5,503 |
Noninterest income to average assets | 1.5426% | 615 |
Noninterest expense to average assets | 3.5643% | 1,469 |
Loan and lease loss provision to assets | 0.2186% | 1,664 |
Net operating income to assets | 0.2947% | 5,637 |
Return on assets (ROA) | 0.3569% | 5,544 |
Pretax return on assets | 0.5226% | 5,291 |
Return on Equity (ROE) | 3.7448% | 5,334 |
Retained earnings to average equity (ytd only) | -5.1029% | 6,498 |
Net charge-offs to loans | 1.0733% | 527 |
Credit loss provision to net charge-offs | 36.9039% | 3,767 |
Earnings coverage of net charge-offs (x) | 1.0968% | 4,479 |
Efficiency ratio | 83.8603% | 1,618 |
Assets per employee ($millions) | 3.5682% | 4,718 |
Cash dividends to net income (ytd only)* | 236.2667% | 48 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.6575% | 6,489 |
Loan loss allowance to noncurrent loans | 191.6067% | 2,067 |
Noncurrent assets plus other real estate owned to assets | 1.5212% | 2,652 |
Noncurrent loans to loans | 0.3431% | 5,357 |
Net loans and leases to total assets | 54.5697% | 4,522 |
Net loans and leases to deposits | 59.9966% | 4,972 |
Net loans and leases to core deposits | 68.0468% | 4,520 |
Total domestic deposits to total assets | 90.9546% | 553 |
Equity capital to assets | 8.6145% | 5,607 |
Core capital (leverage) ratio | 8.3951% | 5,864 |
Tier 1 risk-based capital ratio | 13.2720% | 4,921 |
Total risk-based capital ratio | 13.8652% | 5,325 |
Memoranda: | ||
Average total assets | $632,411,250 | 1,067 |
Average earning assets | $556,404,500 | 1,102 |
Average equity | $60,277,750 | 1,204 |
Average total loans | $349,081,500 | 1,223 |
2013-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6038% | 5,419 |
Cost of funding earning assets | 0.5655% | 3,261 |
Net interest margin | 3.0383% | 5,475 |
Noninterest income to average assets | 1.5849% | 629 |
Noninterest expense to average assets | 3.6126% | 1,388 |
Loan and lease loss provision to assets | 0.2322% | 1,609 |
Net operating income to assets | 0.2755% | 5,691 |
Return on assets (ROA) | 0.3704% | 5,506 |
Pretax return on assets | 0.5473% | 5,210 |
Return on Equity (ROE) | 3.7578% | 5,311 |
Retained earnings to average equity (ytd only) | 3.7578% | 3,908 |
Net charge-offs to loans | 1.4701% | 363 |
Credit loss provision to net charge-offs | 28.5601% | 3,616 |
Earnings coverage of net charge-offs (x) | 0.7872% | 4,266 |
Efficiency ratio | 84.2268% | 1,604 |
Assets per employee ($millions) | 3.4685% | 4,918 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.6595% | 6,549 |
Loan loss allowance to noncurrent loans | 124.9471% | 2,924 |
Noncurrent assets plus other real estate owned to assets | 1.5796% | 2,742 |
Noncurrent loans to loans | 0.5278% | 4,942 |
Net loans and leases to total assets | 55.7982% | 4,329 |
Net loans and leases to deposits | 62.8024% | 4,651 |
Net loans and leases to core deposits | 67.3544% | 4,561 |
Total domestic deposits to total assets | 88.8473% | 1,710 |
Equity capital to assets | 9.4952% | 4,586 |
Core capital (leverage) ratio | 8.9663% | 5,051 |
Tier 1 risk-based capital ratio | 13.7894% | 4,576 |
Total risk-based capital ratio | 14.3609% | 5,004 |
Memoranda: | ||
Average total assets | $621,987,670 | 1,077 |
Average earning assets | $546,093,000 | 1,119 |
Average equity | $61,312,670 | 1,190 |
Average total loans | $343,920,000 | 1,229 |
2013-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6175% | 5,400 |
Cost of funding earning assets | 0.5740% | 3,341 |
Net interest margin | 3.0436% | 5,455 |
Noninterest income to average assets | 1.5267% | 661 |
Noninterest expense to average assets | 3.5851% | 1,448 |
Loan and lease loss provision to assets | 0.2131% | 1,739 |
Net operating income to assets | 0.3126% | 5,527 |
Return on assets (ROA) | 0.3121% | 5,655 |
Pretax return on assets | 0.4333% | 5,458 |
Return on Equity (ROE) | 3.1069% | 5,545 |
Retained earnings to average equity (ytd only) | 3.1069% | 4,413 |
Net charge-offs to loans | 0.5893% | 1,036 |
Credit loss provision to net charge-offs | 65.9274% | 2,345 |
Earnings coverage of net charge-offs (x) | 2.0020% | 3,165 |
Efficiency ratio | 83.9723% | 1,771 |
Assets per employee ($millions) | 3.4344% | 5,123 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1840% | 5,248 |
Loan loss allowance to noncurrent loans | 53.7697% | 4,990 |
Noncurrent assets plus other real estate owned to assets | 1.9587% | 2,396 |
Noncurrent loans to loans | 2.2020% | 2,384 |
Net loans and leases to total assets | 52.5543% | 4,617 |
Net loans and leases to deposits | 58.4880% | 4,977 |
Net loans and leases to core deposits | 65.4484% | 4,595 |
Total domestic deposits to total assets | 89.8547% | 1,134 |
Equity capital to assets | 9.7236% | 4,527 |
Core capital (leverage) ratio | 8.7960% | 5,194 |
Tier 1 risk-based capital ratio | 15.1409% | 3,745 |
Total risk-based capital ratio | 16.2163% | 3,826 |
Memoranda: | ||
Average total assets | $613,879,000 | 1,105 |
Average earning assets | $545,678,500 | 1,133 |
Average equity | $61,669,500 | 1,195 |
Average total loans | $336,644,500 | 1,261 |
2012-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8490% | 5,711 |
Cost of funding earning assets | 0.6350% | 4,050 |
Net interest margin | 3.2140% | 5,536 |
Noninterest income to average assets | 1.6146% | 608 |
Noninterest expense to average assets | 3.5947% | 1,623 |
Loan and lease loss provision to assets | 0.3187% | 2,145 |
Net operating income to assets | 0.3854% | 5,156 |
Return on assets (ROA) | 0.6148% | 4,433 |
Pretax return on assets | 0.9002% | 3,919 |
Return on Equity (ROE) | 5.4164% | 4,472 |
Retained earnings to average equity (ytd only) | -11.6970% | 6,687 |
Net charge-offs to loans | 0.0811% | 4,860 |
Credit loss provision to net charge-offs | 737.4532% | 337 |
Earnings coverage of net charge-offs (x) | 20.3970% | 1,355 |
Efficiency ratio | 79.6073% | 2,194 |
Assets per employee ($millions) | 3.3094% | 5,401 |
Cash dividends to net income (ytd only)* | 315.9558% | 62 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2434% | 4,911 |
Loan loss allowance to noncurrent loans | 33.0009% | 5,939 |
Noncurrent assets plus other real estate owned to assets | 2.8540% | 1,676 |
Noncurrent loans to loans | 3.7677% | 1,289 |
Net loans and leases to total assets | 55.9100% | 4,306 |
Net loans and leases to deposits | 62.8005% | 4,683 |
Net loans and leases to core deposits | 67.9138% | 4,542 |
Total domestic deposits to total assets | 89.0280% | 1,547 |
Equity capital to assets | 10.3915% | 3,653 |
Core capital (leverage) ratio | 8.7831% | 5,206 |
Tier 1 risk-based capital ratio | 14.9411% | 3,750 |
Total risk-based capital ratio | 16.0574% | 3,784 |
Memoranda: | ||
Average total assets | $617,742,600 | 1,074 |
Average earning assets | $550,039,400 | 1,100 |
Average equity | $70,120,600 | 1,002 |
Average total loans | $329,148,200 | 1,279 |
2012-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8987% | 5,791 |
Cost of funding earning assets | 0.6319% | 4,345 |
Net interest margin | 3.2668% | 5,493 |
Noninterest income to average assets | 1.5032% | 660 |
Noninterest expense to average assets | 3.3886% | 2,032 |
Loan and lease loss provision to assets | 0.1442% | 3,732 |
Net operating income to assets | 0.5810% | 4,474 |
Return on assets (ROA) | 0.8759% | 3,345 |
Pretax return on assets | 1.3331% | 2,483 |
Return on Equity (ROE) | 7.5650% | 3,496 |
Retained earnings to average equity (ytd only) | 7.0114% | 2,122 |
Net charge-offs to loans | 0.1209% | 4,166 |
Credit loss provision to net charge-offs | 227.2727% | 1,216 |
Earnings coverage of net charge-offs (x) | 16.2391% | 1,706 |
Efficiency ratio | 75.9863% | 2,683 |
Assets per employee ($millions) | 3.6407% | 4,679 |
Cash dividends to net income (ytd only)* | 7.3171% | 3,527 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8745% | 6,447 |
Loan loss allowance to noncurrent loans | 44.9108% | 5,404 |
Noncurrent assets plus other real estate owned to assets | 1.6579% | 3,098 |
Noncurrent loans to loans | 1.9473% | 2,902 |
Net loans and leases to total assets | 50.0585% | 5,308 |
Net loans and leases to deposits | 56.8546% | 5,552 |
Net loans and leases to core deposits | 62.1187% | 5,346 |
Total domestic deposits to total assets | 88.0465% | 2,020 |
Equity capital to assets | 11.4250% | 2,823 |
Core capital (leverage) ratio | 10.6306% | 2,770 |
Tier 1 risk-based capital ratio | 18.1411% | 2,287 |
Total risk-based capital ratio | 18.9041% | 2,449 |
Memoranda: | ||
Average total assets | $624,081,250 | 1,067 |
Average earning assets | $557,026,250 | 1,094 |
Average equity | $72,261,250 | 981 |
Average total loans | $327,591,750 | 1,300 |
2012-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9687% | 5,737 |
Cost of funding earning assets | 0.6421% | 4,513 |
Net interest margin | 3.3266% | 5,364 |
Noninterest income to average assets | 1.5218% | 633 |
Noninterest expense to average assets | 3.4288% | 1,962 |
Loan and lease loss provision to assets | 0.1458% | 3,696 |
Net operating income to assets | 0.6214% | 4,271 |
Return on assets (ROA) | 0.6214% | 4,522 |
Pretax return on assets | 0.9182% | 4,013 |
Return on Equity (ROE) | 5.3421% | 4,649 |
Retained earnings to average equity (ytd only) | 4.5065% | 3,605 |
Net charge-offs to loans | 0.1048% | 4,124 |
Credit loss provision to net charge-offs | 261.6279% | 1,098 |
Earnings coverage of net charge-offs (x) | 19.0930% | 1,452 |
Efficiency ratio | 75.6256% | 2,803 |
Assets per employee ($millions) | 3.7861% | 4,349 |
Cash dividends to net income (ytd only)* | 15.6413% | 3,128 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8227% | 6,630 |
Loan loss allowance to noncurrent loans | 45.6829% | 5,348 |
Noncurrent assets plus other real estate owned to assets | 1.6401% | 3,266 |
Noncurrent loans to loans | 1.8008% | 3,215 |
Net loans and leases to total assets | 51.1326% | 5,202 |
Net loans and leases to deposits | 58.0275% | 5,443 |
Net loans and leases to core deposits | 68.3736% | 4,744 |
Total domestic deposits to total assets | 88.1179% | 2,064 |
Equity capital to assets | 11.2136% | 2,881 |
Core capital (leverage) ratio | 10.4267% | 2,885 |
Tier 1 risk-based capital ratio | 17.1907% | 2,589 |
Total risk-based capital ratio | 17.9118% | 2,775 |
Memoranda: | ||
Average total assets | $617,304,330 | 1,079 |
Average earning assets | $551,308,670 | 1,105 |
Average equity | $71,807,000 | 980 |
Average total loans | $328,312,670 | 1,296 |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0512% | 5,602 |
Cost of funding earning assets | 0.6710% | 4,528 |
Net interest margin | 3.3802% | 5,196 |
Noninterest income to average assets | 1.5807% | 579 |
Noninterest expense to average assets | 3.4756% | 1,813 |
Loan and lease loss provision to assets | 0.1494% | 3,494 |
Net operating income to assets | 0.6522% | 4,112 |
Return on assets (ROA) | 0.6522% | 4,327 |
Pretax return on assets | 0.9737% | 3,778 |
Return on Equity (ROE) | 5.5006% | 4,546 |
Retained earnings to average equity (ytd only) | 5.5006% | 3,259 |
Net charge-offs to loans | 0.1745% | 3,048 |
Credit loss provision to net charge-offs | 158.4507% | 1,601 |
Earnings coverage of net charge-offs (x) | 11.9085% | 1,636 |
Efficiency ratio | 74.8845% | 2,962 |
Assets per employee ($millions) | 3.5125% | 5,096 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.7681% | 6,792 |
Loan loss allowance to noncurrent loans | 88.4842% | 3,388 |
Noncurrent assets plus other real estate owned to assets | 1.3420% | 3,879 |
Noncurrent loans to loans | 0.8681% | 4,933 |
Net loans and leases to total assets | 53.6155% | 4,786 |
Net loans and leases to deposits | 60.9818% | 5,045 |
Net loans and leases to core deposits | 69.9306% | 4,431 |
Total domestic deposits to total assets | 87.9205% | 2,374 |
Equity capital to assets | 11.6816% | 2,278 |
Core capital (leverage) ratio | 10.4525% | 2,807 |
Tier 1 risk-based capital ratio | 17.2002% | 2,604 |
Total risk-based capital ratio | 17.8776% | 2,813 |
Memoranda: | ||
Average total assets | $602,248,000 | 1,106 |
Average earning assets | $537,718,000 | 1,137 |
Average equity | $71,411,000 | 978 |
Average total loans | $325,575,500 | 1,303 |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1250% | 6,227 |
Cost of funding earning assets | 0.8430% | 4,524 |
Net interest margin | 3.2820% | 5,870 |
Noninterest income to average assets | 1.3217% | 739 |
Noninterest expense to average assets | 3.5703% | 1,805 |
Loan and lease loss provision to assets | 0.3840% | 2,689 |
Net operating income to assets | 0.2584% | 5,404 |
Return on assets (ROA) | 0.2725% | 5,514 |
Pretax return on assets | 0.3323% | 5,468 |
Return on Equity (ROE) | 2.3335% | 5,533 |
Retained earnings to average equity (ytd only) | 1.8668% | 4,883 |
Net charge-offs to loans | 1.1736% | 1,440 |
Credit loss provision to net charge-offs | 60.4860% | 5,158 |
Earnings coverage of net charge-offs (x) | 1.1014% | 4,960 |
Efficiency ratio | 82.8699% | 1,904 |
Assets per employee ($millions) | 3.3704% | 5,322 |
Cash dividends to net income (ytd only)* | 20.0000% | 3,531 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.7736% | 6,795 |
Loan loss allowance to noncurrent loans | 32.7234% | 6,030 |
Noncurrent assets plus other real estate owned to assets | 2.3536% | 2,570 |
Noncurrent loans to loans | 2.3640% | 2,773 |
Net loans and leases to total assets | 53.6724% | 5,090 |
Net loans and leases to deposits | 61.3506% | 5,331 |
Net loans and leases to core deposits | 69.4914% | 4,850 |
Total domestic deposits to total assets | 87.4847% | 2,479 |
Equity capital to assets | 12.0406% | 2,094 |
Core capital (leverage) ratio | 10.6031% | 2,616 |
Tier 1 risk-based capital ratio | 17.3444% | 2,444 |
Total risk-based capital ratio | 18.0158% | 2,674 |
Memoranda: | ||
Average total assets | $596,426,000 | 1,102 |
Average earning assets | $535,678,800 | 1,117 |
Average equity | $69,637,000 | 963 |
Average total loans | $322,587,200 | 1,316 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0762% | 6,456 |
Cost of funding earning assets | 0.8766% | 4,572 |
Net interest margin | 3.1996% | 6,163 |
Noninterest income to average assets | 1.2141% | 893 |
Noninterest expense to average assets | 3.4015% | 2,183 |
Loan and lease loss provision to assets | 0.2597% | 3,423 |
Net operating income to assets | 0.3309% | 5,290 |
Return on assets (ROA) | 0.3482% | 5,391 |
Pretax return on assets | 0.4577% | 5,293 |
Return on Equity (ROE) | 3.0056% | 5,416 |
Retained earnings to average equity (ytd only) | 3.0056% | 4,548 |
Net charge-offs to loans | 0.3813% | 3,207 |
Credit loss provision to net charge-offs | 125.9459% | 2,544 |
Earnings coverage of net charge-offs (x) | 3.3687% | 3,467 |
Efficiency ratio | 82.2575% | 1,939 |
Assets per employee ($millions) | 3.5933% | 4,776 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3028% | 4,997 |
Loan loss allowance to noncurrent loans | 28.1072% | 6,355 |
Noncurrent assets plus other real estate owned to assets | 3.2076% | 1,989 |
Noncurrent loans to loans | 4.6353% | 1,390 |
Net loans and leases to total assets | 50.6463% | 5,622 |
Net loans and leases to deposits | 57.3975% | 5,901 |
Net loans and leases to core deposits | 65.6485% | 5,452 |
Total domestic deposits to total assets | 88.2378% | 1,903 |
Equity capital to assets | 11.3088% | 2,859 |
Core capital (leverage) ratio | 10.6506% | 2,711 |
Tier 1 risk-based capital ratio | 17.1340% | 2,592 |
Total risk-based capital ratio | 18.2628% | 2,599 |
Memoranda: | ||
Average total assets | $598,079,500 | 1,106 |
Average earning assets | $538,723,750 | 1,118 |
Average equity | $69,292,000 | 977 |
Average total loans | $323,475,500 | 1,318 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1637% | 6,358 |
Cost of funding earning assets | 0.9329% | 4,438 |
Net interest margin | 3.2307% | 6,063 |
Noninterest income to average assets | 1.2054% | 879 |
Noninterest expense to average assets | 3.4343% | 2,171 |
Loan and lease loss provision to assets | 0.2722% | 3,216 |
Net operating income to assets | 0.3162% | 5,303 |
Return on assets (ROA) | 0.3430% | 5,337 |
Pretax return on assets | 0.4450% | 5,246 |
Return on Equity (ROE) | 2.9351% | 5,418 |
Retained earnings to average equity (ytd only) | 2.9351% | 4,415 |
Net charge-offs to loans | 0.4090% | 2,916 |
Credit loss provision to net charge-offs | 120.8459% | 2,524 |
Earnings coverage of net charge-offs (x) | 3.0302% | 3,339 |
Efficiency ratio | 82.6281% | 2,004 |
Assets per employee ($millions) | 3.4553% | 5,067 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2772% | 5,165 |
Loan loss allowance to noncurrent loans | 22.4718% | 6,633 |
Noncurrent assets plus other real estate owned to assets | 3.5154% | 1,872 |
Noncurrent loans to loans | 5.6834% | 1,090 |
Net loans and leases to total assets | 52.4383% | 5,507 |
Net loans and leases to deposits | 59.5778% | 5,768 |
Net loans and leases to core deposits | 65.7512% | 5,540 |
Total domestic deposits to total assets | 88.0164% | 2,123 |
Equity capital to assets | 11.5398% | 2,467 |
Core capital (leverage) ratio | 10.6800% | 2,540 |
Tier 1 risk-based capital ratio | 17.6723% | 2,277 |
Total risk-based capital ratio | 18.8191% | 2,284 |
Memoranda: | ||
Average total assets | $587,832,670 | 1,136 |
Average earning assets | $529,724,670 | 1,150 |
Average equity | $68,685,330 | 984 |
Average total loans | $323,741,330 | 1,329 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2476% | 6,155 |
Cost of funding earning assets | 0.9721% | 4,404 |
Net interest margin | 3.2755% | 5,861 |
Noninterest income to average assets | 1.1777% | 928 |
Noninterest expense to average assets | 3.4897% | 2,026 |
Loan and lease loss provision to assets | 0.1553% | 4,081 |
Net operating income to assets | 0.3635% | 5,107 |
Return on assets (ROA) | 0.4149% | 4,972 |
Pretax return on assets | 0.5668% | 4,813 |
Return on Equity (ROE) | 3.5281% | 5,133 |
Retained earnings to average equity (ytd only) | 3.5281% | 4,072 |
Net charge-offs to loans | 0.7323% | 1,754 |
Credit loss provision to net charge-offs | 37.8151% | 3,988 |
Earnings coverage of net charge-offs (x) | 1.5866% | 3,521 |
Efficiency ratio | 83.4639% | 2,023 |
Assets per employee ($millions) | 3.4682% | 5,073 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1272% | 5,945 |
Loan loss allowance to noncurrent loans | 19.3809% | 6,792 |
Noncurrent assets plus other real estate owned to assets | 3.8154% | 1,765 |
Noncurrent loans to loans | 5.8161% | 1,108 |
Net loans and leases to total assets | 52.5416% | 5,511 |
Net loans and leases to deposits | 59.5904% | 5,762 |
Net loans and leases to core deposits | 64.3442% | 5,689 |
Total domestic deposits to total assets | 88.1713% | 2,278 |
Equity capital to assets | 11.3930% | 2,349 |
Core capital (leverage) ratio | 10.7925% | 2,360 |
Tier 1 risk-based capital ratio | 17.5306% | 2,278 |
Total risk-based capital ratio | 18.5347% | 2,352 |
Memoranda: | ||
Average total assets | $579,411,500 | 1,159 |
Average earning assets | $524,249,500 | 1,169 |
Average equity | $68,139,000 | 986 |
Average total loans | $325,020,500 | 1,339 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7111% | 5,771 |
Cost of funding earning assets | 1.1384% | 4,918 |
Net interest margin | 3.5727% | 4,951 |
Noninterest income to average assets | 1.4027% | 740 |
Noninterest expense to average assets | 3.8472% | 1,396 |
Loan and lease loss provision to assets | 0.3623% | 3,945 |
Net operating income to assets | 0.3478% | 4,753 |
Return on assets (ROA) | 0.3479% | 4,911 |
Pretax return on assets | 0.4320% | 4,845 |
Return on Equity (ROE) | 2.9870% | 4,961 |
Retained earnings to average equity (ytd only) | 0.6397% | 5,258 |
Net charge-offs to loans | 0.8788% | 2,436 |
Credit loss provision to net charge-offs | 69.4626% | 5,877 |
Earnings coverage of net charge-offs (x) | 1.5226% | 4,605 |
Efficiency ratio | 82.1773% | 2,142 |
Assets per employee ($millions) | 3.1933% | 5,687 |
Cash dividends to net income (ytd only)* | 78.5855% | 906 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1969% | 5,530 |
Loan loss allowance to noncurrent loans | 18.9366% | 6,853 |
Noncurrent assets plus other real estate owned to assets | 4.5119% | 1,483 |
Noncurrent loans to loans | 6.3203% | 966 |
Net loans and leases to total assets | 58.5575% | 4,947 |
Net loans and leases to deposits | 67.0660% | 5,243 |
Net loans and leases to core deposits | 73.0631% | 5,089 |
Total domestic deposits to total assets | 87.3132% | 2,658 |
Equity capital to assets | 12.1541% | 1,826 |
Core capital (leverage) ratio | 10.3423% | 2,732 |
Tier 1 risk-based capital ratio | 16.8782% | 2,396 |
Total risk-based capital ratio | 17.9557% | 2,424 |
Memoranda: | ||
Average total assets | $585,230,600 | 1,148 |
Average earning assets | $530,495,400 | 1,150 |
Average equity | $68,161,000 | 986 |
Average total loans | $347,304,600 | 1,290 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7189% | 5,948 |
Cost of funding earning assets | 1.1593% | 5,091 |
Net interest margin | 3.5596% | 5,064 |
Noninterest income to average assets | 1.3474% | 744 |
Noninterest expense to average assets | 3.6965% | 1,573 |
Loan and lease loss provision to assets | 0.2456% | 4,633 |
Net operating income to assets | 0.4538% | 4,524 |
Return on assets (ROA) | 0.4539% | 4,712 |
Pretax return on assets | 0.6380% | 4,459 |
Return on Equity (ROE) | 3.9381% | 4,810 |
Retained earnings to average equity (ytd only) | 1.3974% | 5,247 |
Net charge-offs to loans | 0.8440% | 2,341 |
Credit loss provision to net charge-offs | 49.0108% | 5,901 |
Earnings coverage of net charge-offs (x) | 1.7630% | 4,392 |
Efficiency ratio | 79.9941% | 2,336 |
Assets per employee ($millions) | 3.6030% | 4,728 |
Cash dividends to net income (ytd only)* | 64.5161% | 1,081 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1194% | 5,857 |
Loan loss allowance to noncurrent loans | 26.4687% | 6,552 |
Noncurrent assets plus other real estate owned to assets | 3.5063% | 2,034 |
Noncurrent loans to loans | 4.2292% | 1,724 |
Net loans and leases to total assets | 53.6233% | 5,899 |
Net loans and leases to deposits | 60.8525% | 6,236 |
Net loans and leases to core deposits | 64.7078% | 6,240 |
Total domestic deposits to total assets | 88.1201% | 1,889 |
Equity capital to assets | 11.1813% | 2,789 |
Core capital (leverage) ratio | 10.3849% | 2,816 |
Tier 1 risk-based capital ratio | 16.5222% | 2,550 |
Total risk-based capital ratio | 17.5205% | 2,600 |
Memoranda: | ||
Average total assets | $591,830,250 | 1,142 |
Average earning assets | $537,430,250 | 1,145 |
Average equity | $68,221,000 | 979 |
Average total loans | $351,330,250 | 1,291 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8316% | 5,680 |
Cost of funding earning assets | 1.2009% | 5,131 |
Net interest margin | 3.6308% | 4,688 |
Noninterest income to average assets | 1.4554% | 598 |
Noninterest expense to average assets | 3.7268% | 1,506 |
Loan and lease loss provision to assets | 0.2970% | 4,014 |
Net operating income to assets | 0.5244% | 4,223 |
Return on assets (ROA) | 0.5246% | 4,376 |
Pretax return on assets | 0.7454% | 4,082 |
Return on Equity (ROE) | 4.5031% | 4,538 |
Retained earnings to average equity (ytd only) | 3.6190% | 3,794 |
Net charge-offs to loans | 0.9208% | 1,993 |
Credit loss provision to net charge-offs | 52.7118% | 5,360 |
Earnings coverage of net charge-offs (x) | 1.8495% | 4,132 |
Efficiency ratio | 77.4442% | 2,824 |
Assets per employee ($millions) | 3.5069% | 4,913 |
Cash dividends to net income (ytd only)* | 19.6335% | 2,903 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1988% | 5,461 |
Loan loss allowance to noncurrent loans | 22.4352% | 6,819 |
Noncurrent assets plus other real estate owned to assets | 4.1920% | 1,609 |
Noncurrent loans to loans | 5.3435% | 1,251 |
Net loans and leases to total assets | 56.6218% | 5,607 |
Net loans and leases to deposits | 64.4176% | 5,984 |
Net loans and leases to core deposits | 67.9018% | 6,062 |
Total domestic deposits to total assets | 87.8980% | 2,054 |
Equity capital to assets | 11.5029% | 2,440 |
Core capital (leverage) ratio | 10.5421% | 2,593 |
Tier 1 risk-based capital ratio | 16.4370% | 2,500 |
Total risk-based capital ratio | 17.5163% | 2,519 |
Memoranda: | ||
Average total assets | $582,536,330 | 1,169 |
Average earning assets | $531,620,330 | 1,157 |
Average equity | $67,864,000 | 979 |
Average total loans | $356,416,330 | 1,287 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0271% | 4,897 |
Cost of funding earning assets | 1.2479% | 5,122 |
Net interest margin | 3.7793% | 3,877 |
Noninterest income to average assets | 1.1924% | 857 |
Noninterest expense to average assets | 3.7403% | 1,433 |
Loan and lease loss provision to assets | 0.2962% | 3,664 |
Net operating income to assets | 0.4470% | 4,627 |
Return on assets (ROA) | 0.4460% | 4,763 |
Pretax return on assets | 0.6223% | 4,520 |
Return on Equity (ROE) | 3.8036% | 4,982 |
Retained earnings to average equity (ytd only) | 3.8036% | 3,862 |
Net charge-offs to loans | 0.6637% | 2,162 |
Credit loss provision to net charge-offs | 70.5980% | 4,087 |
Earnings coverage of net charge-offs (x) | 2.1927% | 3,441 |
Efficiency ratio | 79.5125% | 2,646 |
Assets per employee ($millions) | 3.4507% | 5,154 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3135% | 4,856 |
Loan loss allowance to noncurrent loans | 25.1693% | 6,727 |
Noncurrent assets plus other real estate owned to assets | 4.4695% | 1,516 |
Noncurrent loans to loans | 5.2188% | 1,372 |
Net loans and leases to total assets | 61.1576% | 4,914 |
Net loans and leases to deposits | 69.5469% | 5,402 |
Net loans and leases to core deposits | 73.1982% | 5,591 |
Total domestic deposits to total assets | 87.9372% | 2,102 |
Equity capital to assets | 11.6448% | 2,268 |
Core capital (leverage) ratio | 10.5008% | 2,620 |
Tier 1 risk-based capital ratio | 15.7181% | 2,768 |
Total risk-based capital ratio | 16.9124% | 2,746 |
Memoranda: | ||
Average total assets | $573,961,500 | 1,213 |
Average earning assets | $526,662,500 | 1,208 |
Average equity | $67,305,500 | 989 |
Average total loans | $362,788,000 | 1,302 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2775% | 5,293 |
Cost of funding earning assets | 1.7265% | 4,373 |
Net interest margin | 3.5510% | 4,740 |
Noninterest income to average assets | 1.5387% | 603 |
Noninterest expense to average assets | 3.4481% | 2,532 |
Loan and lease loss provision to assets | 1.7898% | 1,270 |
Net operating income to assets | -0.1549% | 5,770 |
Return on assets (ROA) | -0.1592% | 5,778 |
Pretax return on assets | -0.4207% | 5,938 |
Return on Equity (ROE) | -1.3430% | 5,746 |
Retained earnings to average equity (ytd only) | -2.2142% | 5,565 |
Net charge-offs to loans | 2.2708% | 1,034 |
Credit loss provision to net charge-offs | 115.3684% | 4,730 |
Earnings coverage of net charge-offs (x) | 0.8868% | 5,222 |
Efficiency ratio | 70.7301% | 4,488 |
Assets per employee ($millions) | 3.1567% | 5,839 |
Cash dividends to net income (ytd only)* | -64.8649% | 7,846 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3365% | 4,557 |
Loan loss allowance to noncurrent loans | 24.1861% | 6,847 |
Noncurrent assets plus other real estate owned to assets | 4.4914% | 1,431 |
Noncurrent loans to loans | 5.5260% | 1,162 |
Net loans and leases to total assets | 63.6071% | 4,677 |
Net loans and leases to deposits | 72.4069% | 5,272 |
Net loans and leases to core deposits | 88.4311% | 5,282 |
Total domestic deposits to total assets | 87.8468% | 2,046 |
Equity capital to assets | 11.8098% | 2,132 |
Core capital (leverage) ratio | 10.5577% | 2,547 |
Tier 1 risk-based capital ratio | 15.5053% | 2,714 |
Total risk-based capital ratio | 16.7262% | 2,681 |
Memoranda: | ||
Average total assets | $580,893,400 | 1,186 |
Average earning assets | $537,431,000 | 1,176 |
Average equity | $68,873,200 | 955 |
Average total loans | $396,862,600 | 1,214 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3329% | 5,258 |
Cost of funding earning assets | 1.8117% | 4,334 |
Net interest margin | 3.5212% | 4,781 |
Noninterest income to average assets | 1.5544% | 617 |
Noninterest expense to average assets | 3.2295% | 3,192 |
Loan and lease loss provision to assets | 1.0957% | 1,784 |
Net operating income to assets | 0.3568% | 4,564 |
Return on assets (ROA) | 0.3525% | 4,684 |
Pretax return on assets | 0.4851% | 4,564 |
Return on Equity (ROE) | 2.9699% | 4,811 |
Retained earnings to average equity (ytd only) | 2.3929% | 3,984 |
Net charge-offs to loans | 1.4111% | 1,461 |
Credit loss provision to net charge-offs | 112.1233% | 4,524 |
Earnings coverage of net charge-offs (x) | 1.6237% | 4,579 |
Efficiency ratio | 66.3049% | 5,313 |
Assets per employee ($millions) | 3.3870% | 5,188 |
Cash dividends to net income (ytd only)* | 19.4300% | 3,262 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0561% | 5,977 |
Loan loss allowance to noncurrent loans | 16.7040% | 7,255 |
Noncurrent assets plus other real estate owned to assets | 4.4817% | 1,368 |
Noncurrent loans to loans | 6.3222% | 923 |
Net loans and leases to total assets | 61.5906% | 5,312 |
Net loans and leases to deposits | 70.1171% | 5,901 |
Net loans and leases to core deposits | 84.7774% | 5,981 |
Total domestic deposits to total assets | 87.8397% | 1,728 |
Equity capital to assets | 11.4381% | 2,643 |
Core capital (leverage) ratio | 10.8971% | 2,479 |
Tier 1 risk-based capital ratio | 15.4478% | 2,852 |
Total risk-based capital ratio | 16.4221% | 2,909 |
Memoranda: | ||
Average total assets | $584,063,500 | 1,194 |
Average earning assets | $541,057,750 | 1,180 |
Average equity | $69,315,250 | 956 |
Average total loans | $404,498,250 | 1,209 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.4093% | 5,102 |
Cost of funding earning assets | 1.9170% | 4,180 |
Net interest margin | 3.4923% | 4,837 |
Noninterest income to average assets | 1.6974% | 510 |
Noninterest expense to average assets | 3.1790% | 3,396 |
Loan and lease loss provision to assets | 1.3492% | 1,282 |
Net operating income to assets | 0.3223% | 4,800 |
Return on assets (ROA) | 0.3203% | 4,923 |
Pretax return on assets | 0.3917% | 4,960 |
Return on Equity (ROE) | 2.6649% | 5,030 |
Retained earnings to average equity (ytd only) | 1.7959% | 4,343 |
Net charge-offs to loans | 1.8543% | 1,016 |
Credit loss provision to net charge-offs | 101.4132% | 4,504 |
Earnings coverage of net charge-offs (x) | 1.3104% | 4,542 |
Efficiency ratio | 63.8396% | 5,945 |
Assets per employee ($millions) | 3.2657% | 5,415 |
Cash dividends to net income (ytd only)* | 32.6087% | 2,742 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8689% | 6,909 |
Loan loss allowance to noncurrent loans | 12.2842% | 7,449 |
Noncurrent assets plus other real estate owned to assets | 4.9098% | 1,096 |
Noncurrent loans to loans | 7.0733% | 680 |
Net loans and leases to total assets | 68.8096% | 3,995 |
Net loans and leases to deposits | 78.6342% | 4,758 |
Net loans and leases to core deposits | 96.4580% | 4,849 |
Total domestic deposits to total assets | 87.5060% | 2,015 |
Equity capital to assets | 11.7258% | 2,371 |
Core capital (leverage) ratio | 10.9176% | 2,472 |
Tier 1 risk-based capital ratio | 14.1968% | 3,401 |
Total risk-based capital ratio | 14.9972% | 3,591 |
Memoranda: | ||
Average total assets | $574,402,670 | 1,232 |
Average earning assets | $530,421,330 | 1,222 |
Average equity | $69,046,670 | 967 |
Average total loans | $412,128,000 | 1,218 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.5770% | 4,491 |
Cost of funding earning assets | 2.0314% | 3,980 |
Net interest margin | 3.5456% | 4,543 |
Noninterest income to average assets | 1.7595% | 442 |
Noninterest expense to average assets | 2.9658% | 3,909 |
Loan and lease loss provision to assets | 2.3849% | 491 |
Net operating income to assets | -0.1957% | 6,548 |
Return on assets (ROA) | -0.1957% | 6,634 |
Pretax return on assets | -0.2968% | 6,672 |
Return on Equity (ROE) | -1.6078% | 6,620 |
Retained earnings to average equity (ytd only) | -1.6078% | 6,020 |
Net charge-offs to loans | 3.4650% | 354 |
Credit loss provision to net charge-offs | 94.3264% | 3,913 |
Earnings coverage of net charge-offs (x) | 0.8259% | 4,365 |
Efficiency ratio | 57.9558% | 6,709 |
Assets per employee ($millions) | 3.1454% | 5,751 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8145% | 7,107 |
Loan loss allowance to noncurrent loans | 27.6334% | 6,713 |
Noncurrent assets plus other real estate owned to assets | 2.1262% | 2,711 |
Noncurrent loans to loans | 2.9476% | 2,216 |
Net loans and leases to total assets | 71.5463% | 3,337 |
Net loans and leases to deposits | 82.0086% | 4,283 |
Net loans and leases to core deposits | 105.0635% | 4,023 |
Total domestic deposits to total assets | 87.2423% | 2,099 |
Equity capital to assets | 12.1783% | 2,152 |
Core capital (leverage) ratio | 10.6785% | 2,759 |
Tier 1 risk-based capital ratio | 13.5523% | 3,832 |
Total risk-based capital ratio | 14.2716% | 4,091 |
Memoranda: | ||
Average total assets | $566,062,500 | 1,255 |
Average earning assets | $525,942,000 | 1,235 |
Average equity | $68,915,500 | 975 |
Average total loans | $413,048,500 | 1,224 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.0974% | 5,060 |
Cost of funding earning assets | 2.6732% | 3,299 |
Net interest margin | 3.4242% | 5,564 |
Noninterest income to average assets | 1.4633% | 661 |
Noninterest expense to average assets | 3.2705% | 3,071 |
Loan and lease loss provision to assets | 0.0800% | 6,395 |
Net operating income to assets | 0.8617% | 3,164 |
Return on assets (ROA) | 0.8650% | 3,001 |
Pretax return on assets | 1.2657% | 2,421 |
Return on Equity (ROE) | 7.2793% | 3,387 |
Retained earnings to average equity (ytd only) | 5.5579% | 1,739 |
Net charge-offs to loans | 0.1046% | 5,261 |
Credit loss provision to net charge-offs | 104.1667% | 5,130 |
Earnings coverage of net charge-offs (x) | 17.4514% | 1,770 |
Efficiency ratio | 70.1111% | 4,332 |
Assets per employee ($millions) | 3.3476% | 5,097 |
Cash dividends to net income (ytd only)* | 23.6480% | 4,327 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8360% | 6,954 |
Loan loss allowance to noncurrent loans | 77.9529% | 4,204 |
Noncurrent assets plus other real estate owned to assets | 0.7914% | 4,876 |
Noncurrent loans to loans | 1.0725% | 4,425 |
Net loans and leases to total assets | 73.1778% | 3,320 |
Net loans and leases to deposits | 84.0042% | 4,422 |
Net loans and leases to core deposits | 112.1372% | 3,543 |
Total domestic deposits to total assets | 87.1121% | 1,884 |
Equity capital to assets | 12.1708% | 2,178 |
Core capital (leverage) ratio | 11.1985% | 2,430 |
Tier 1 risk-based capital ratio | 13.7421% | 3,674 |
Total risk-based capital ratio | 14.5129% | 3,868 |
Memoranda: | ||
Average total assets | $562,207,800 | 1,202 |
Average earning assets | $516,878,600 | 1,198 |
Average equity | $66,805,800 | 998 |
Average total loans | $413,157,400 | 1,165 |