Home > Town and Country Bank > Performance and Condition Ratios
Town and Country Bank, Performance and Condition Ratios
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 | 4.4840% | 1,936 |
Cost of funding earning assets | 0.4604% | 3,067 |
Net interest margin | 4.0236% | 1,827 |
Noninterest income to average assets | 0.4908% | 3,578 |
Noninterest expense to average assets | 3.9898% | 758 |
Loan and lease loss provision to assets | 0.0513% | 3,536 |
Net operating income to assets | 0.0667% | 6,000 |
Return on assets (ROA) | 0.0667% | 6,028 |
Pretax return on assets | 0.1112% | 5,979 |
Return on Equity (ROE) | 0.6194% | 6,019 |
Retained earnings to average equity (ytd only) | 0.6194% | 5,488 |
Net charge-offs to loans | 0.1443% | 2,598 |
Credit loss provision to net charge-offs | 44.7761% | 3,591 |
Earnings coverage of net charge-offs (x) | 1.4179% | 4,422 |
Efficiency ratio | 96.0873% | 499 |
Assets per employee ($millions) | 5.4165% | 1,841 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9225% | 1,261 |
Loan loss allowance to noncurrent loans | 249.1758% | 1,909 |
Noncurrent assets plus other real estate owned to assets | 1.4367% | 1,921 |
Noncurrent loans to loans | 0.7715% | 3,385 |
Net loans and leases to total assets | 77.6623% | 1,048 |
Net loans and leases to deposits | 87.0232% | 1,844 |
Net loans and leases to core deposits | 106.4850% | 987 |
Total domestic deposits to total assets | 89.2432% | 1,097 |
Equity capital to assets | 10.6192% | 3,335 |
Core capital (leverage) ratio | 10.3042% | 3,164 |
Tier 1 risk-based capital ratio | 13.1612% | 4,616 |
Total risk-based capital ratio | 14.4193% | 4,540 |
Memoranda: | ||
Average total assets | $58,474,000 | 5,584 |
Average earning assets | $53,211,000 | 5,587 |
Average equity | $6,296,400 | 5,561 |
Average total loans | $46,444,800 | 4,936 |
2014-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4849% | 1,932 |
Cost of funding earning assets | 0.4729% | 3,025 |
Net interest margin | 4.0121% | 1,844 |
Noninterest income to average assets | 0.4903% | 3,610 |
Noninterest expense to average assets | 3.8695% | 887 |
Loan and lease loss provision to assets | 0.0115% | 4,192 |
Net operating income to assets | 0.1604% | 5,929 |
Return on assets (ROA) | 0.1604% | 5,961 |
Pretax return on assets | 0.2635% | 5,838 |
Return on Equity (ROE) | 1.4841% | 5,951 |
Retained earnings to average equity (ytd only) | 1.4841% | 5,301 |
Net charge-offs to loans | 0.1700% | 2,096 |
Credit loss provision to net charge-offs | 8.4746% | 3,724 |
Earnings coverage of net charge-offs (x) | 2.0341% | 4,012 |
Efficiency ratio | 93.3665% | 628 |
Assets per employee ($millions) | 5.3238% | 1,881 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8982% | 1,453 |
Loan loss allowance to noncurrent loans | 252.1246% | 1,803 |
Noncurrent assets plus other real estate owned to assets | 1.4719% | 2,095 |
Noncurrent loans to loans | 0.7529% | 3,718 |
Net loans and leases to total assets | 78.5424% | 890 |
Net loans and leases to deposits | 88.2756% | 1,636 |
Net loans and leases to core deposits | 108.2641% | 835 |
Total domestic deposits to total assets | 88.9741% | 1,255 |
Equity capital to assets | 10.8278% | 3,152 |
Core capital (leverage) ratio | 9.8588% | 3,865 |
Tier 1 risk-based capital ratio | 12.7847% | 4,985 |
Total risk-based capital ratio | 14.0445% | 4,890 |
Memoranda: | ||
Average total assets | $58,197,250 | 5,657 |
Average earning assets | $53,005,500 | 5,658 |
Average equity | $6,288,750 | 5,624 |
Average total loans | $46,261,250 | 4,991 |
2014-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4757% | 1,909 |
Cost of funding earning assets | 0.4797% | 3,027 |
Net interest margin | 3.9960% | 1,814 |
Noninterest income to average assets | 0.4236% | 4,065 |
Noninterest expense to average assets | 3.9121% | 843 |
Loan and lease loss provision to assets | 0.0000% | 4,196 |
Net operating income to assets | 0.0930% | 6,056 |
Return on assets (ROA) | 0.0930% | 6,087 |
Pretax return on assets | 0.1550% | 6,018 |
Return on Equity (ROE) | 0.8611% | 6,078 |
Retained earnings to average equity (ytd only) | 0.8611% | 5,399 |
Net charge-offs to loans | -0.0347% | 5,739 |
Credit loss provision to net charge-offs | 0.0000% | 3,401 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 96.1897% | 548 |
Assets per employee ($millions) | 5.3668% | 1,815 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0690% | 1,243 |
Loan loss allowance to noncurrent loans | 134.2736% | 2,931 |
Noncurrent assets plus other real estate owned to assets | 2.0632% | 1,537 |
Noncurrent loans to loans | 1.5409% | 2,251 |
Net loans and leases to total assets | 76.3293% | 1,125 |
Net loans and leases to deposits | 85.5746% | 1,859 |
Net loans and leases to core deposits | 103.2964% | 1,064 |
Total domestic deposits to total assets | 89.1962% | 1,256 |
Equity capital to assets | 10.6750% | 3,223 |
Core capital (leverage) ratio | 9.7733% | 3,928 |
Tier 1 risk-based capital ratio | 12.9678% | 4,934 |
Total risk-based capital ratio | 14.2290% | 4,865 |
Memoranda: | ||
Average total assets | $58,075,670 | 5,712 |
Average earning assets | $52,953,000 | 5,709 |
Average equity | $6,271,330 | 5,664 |
Average total loans | $46,053,000 | 5,028 |
2014-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5285% | 1,709 |
Cost of funding earning assets | 0.4887% | 3,024 |
Net interest margin | 4.0397% | 1,631 |
Noninterest income to average assets | 0.2570% | 5,298 |
Noninterest expense to average assets | 3.8822% | 881 |
Loan and lease loss provision to assets | 0.0000% | 3,817 |
Net operating income to assets | 0.0278% | 6,170 |
Return on assets (ROA) | 0.0278% | 6,188 |
Pretax return on assets | 0.0486% | 6,157 |
Return on Equity (ROE) | 0.2558% | 6,191 |
Retained earnings to average equity (ytd only) | 0.2558% | 5,471 |
Net charge-offs to loans | 0.0174% | 3,237 |
Credit loss provision to net charge-offs | 0.0000% | 2,688 |
Earnings coverage of net charge-offs (x) | 3.5000% | 2,676 |
Efficiency ratio | 98.7633% | 510 |
Assets per employee ($millions) | 5.7805% | 1,472 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0280% | 1,463 |
Loan loss allowance to noncurrent loans | 96.1224% | 3,705 |
Noncurrent assets plus other real estate owned to assets | 2.5759% | 1,222 |
Noncurrent loans to loans | 2.1098% | 1,740 |
Net loans and leases to total assets | 78.7250% | 684 |
Net loans and leases to deposits | 88.3648% | 1,319 |
Net loans and leases to core deposits | 107.1509% | 711 |
Total domestic deposits to total assets | 89.0909% | 1,596 |
Equity capital to assets | 10.8226% | 2,909 |
Core capital (leverage) ratio | 9.9722% | 3,609 |
Tier 1 risk-based capital ratio | 12.6347% | 5,232 |
Total risk-based capital ratio | 13.8957% | 5,161 |
Memoranda: | ||
Average total assets | $57,596,000 | 5,776 |
Average earning assets | $52,379,500 | 5,778 |
Average equity | $6,256,000 | 5,698 |
Average total loans | $46,073,000 | 5,076 |
2013-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7643% | 1,393 |
Cost of funding earning assets | 0.5243% | 3,356 |
Net interest margin | 4.2400% | 1,248 |
Noninterest income to average assets | 0.9831% | 1,433 |
Noninterest expense to average assets | 4.2206% | 687 |
Loan and lease loss provision to assets | 0.0000% | 5,091 |
Net operating income to assets | 0.3651% | 5,278 |
Return on assets (ROA) | 0.3651% | 5,391 |
Pretax return on assets | 0.6086% | 4,848 |
Return on Equity (ROE) | 3.3914% | 5,365 |
Retained earnings to average equity (ytd only) | 3.3914% | 3,815 |
Net charge-offs to loans | -0.0596% | 6,370 |
Credit loss provision to net charge-offs | 0.0000% | 4,707 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 87.3982% | 1,282 |
Assets per employee ($millions) | 5.7387% | 1,452 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0658% | 1,404 |
Loan loss allowance to noncurrent loans | 108.2569% | 3,406 |
Noncurrent assets plus other real estate owned to assets | 2.4762% | 1,390 |
Noncurrent loans to loans | 1.9082% | 2,110 |
Net loans and leases to total assets | 77.9846% | 828 |
Net loans and leases to deposits | 87.8285% | 1,484 |
Net loans and leases to core deposits | 102.3043% | 1,002 |
Total domestic deposits to total assets | 88.7919% | 1,759 |
Equity capital to assets | 10.9014% | 2,702 |
Core capital (leverage) ratio | 10.1675% | 3,338 |
Tier 1 risk-based capital ratio | 13.0400% | 4,941 |
Total risk-based capital ratio | 14.3028% | 4,887 |
Memoranda: | ||
Average total assets | $53,404,200 | 5,931 |
Average earning assets | $48,443,800 | 5,931 |
Average equity | $5,749,800 | 5,868 |
Average total loans | $41,956,600 | 5,268 |
2013-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7981% | 1,346 |
Cost of funding earning assets | 0.5256% | 3,515 |
Net interest margin | 4.2725% | 1,157 |
Noninterest income to average assets | 1.2059% | 999 |
Noninterest expense to average assets | 4.3987% | 578 |
Loan and lease loss provision to assets | 0.0000% | 4,941 |
Net operating income to assets | 0.4096% | 5,216 |
Return on assets (ROA) | 0.4096% | 5,349 |
Pretax return on assets | 0.6742% | 4,776 |
Return on Equity (ROE) | 3.8174% | 5,300 |
Retained earnings to average equity (ytd only) | 3.8174% | 3,971 |
Net charge-offs to loans | -0.0748% | 6,424 |
Credit loss provision to net charge-offs | 0.0000% | 4,342 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 86.7101% | 1,293 |
Assets per employee ($millions) | 4.6189% | 2,687 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1403% | 1,430 |
Loan loss allowance to noncurrent loans | 104.8998% | 3,369 |
Noncurrent assets plus other real estate owned to assets | 2.6900% | 1,406 |
Noncurrent loans to loans | 2.0403% | 2,207 |
Net loans and leases to total assets | 77.7076% | 782 |
Net loans and leases to deposits | 87.9431% | 1,367 |
Net loans and leases to core deposits | 107.3608% | 691 |
Total domestic deposits to total assets | 88.3613% | 1,912 |
Equity capital to assets | 11.2364% | 2,524 |
Core capital (leverage) ratio | 10.0429% | 3,617 |
Tier 1 risk-based capital ratio | 13.0453% | 5,090 |
Total risk-based capital ratio | 14.3079% | 5,037 |
Memoranda: | ||
Average total assets | $52,408,500 | 6,024 |
Average earning assets | $47,434,250 | 6,021 |
Average equity | $5,623,250 | 5,968 |
Average total loans | $41,021,500 | 5,353 |
2013-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7914% | 1,342 |
Cost of funding earning assets | 0.5252% | 3,650 |
Net interest margin | 4.2662% | 1,101 |
Noninterest income to average assets | 1.5408% | 661 |
Noninterest expense to average assets | 4.5445% | 502 |
Loan and lease loss provision to assets | 0.0000% | 4,788 |
Net operating income to assets | 0.5175% | 4,724 |
Return on assets (ROA) | 0.5175% | 4,893 |
Pretax return on assets | 0.8521% | 4,110 |
Return on Equity (ROE) | 4.9062% | 4,776 |
Retained earnings to average equity (ytd only) | 4.9062% | 3,115 |
Net charge-offs to loans | -0.1249% | 6,563 |
Credit loss provision to net charge-offs | 0.0000% | 4,003 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 84.2105% | 1,610 |
Assets per employee ($millions) | 4.0653% | 3,656 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.3078% | 1,251 |
Loan loss allowance to noncurrent loans | 147.0405% | 2,551 |
Noncurrent assets plus other real estate owned to assets | 2.5204% | 1,677 |
Noncurrent loans to loans | 1.5695% | 2,955 |
Net loans and leases to total assets | 75.6116% | 1,031 |
Net loans and leases to deposits | 84.6395% | 1,717 |
Net loans and leases to core deposits | 104.1710% | 836 |
Total domestic deposits to total assets | 89.3338% | 1,423 |
Equity capital to assets | 10.3824% | 3,449 |
Core capital (leverage) ratio | 9.1147% | 4,811 |
Tier 1 risk-based capital ratio | 12.4990% | 5,500 |
Total risk-based capital ratio | 13.7656% | 5,429 |
Memoranda: | ||
Average total assets | $51,402,330 | 6,089 |
Average earning assets | $46,458,330 | 6,084 |
Average equity | $5,421,670 | 6,072 |
Average total loans | $40,024,330 | 5,424 |
2013-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7713% | 1,346 |
Cost of funding earning assets | 0.5282% | 3,802 |
Net interest margin | 4.2431% | 1,092 |
Noninterest income to average assets | 1.0576% | 1,331 |
Noninterest expense to average assets | 4.5542% | 511 |
Loan and lease loss provision to assets | 0.0789% | 3,323 |
Net operating income to assets | 0.1342% | 6,085 |
Return on assets (ROA) | 0.1342% | 6,178 |
Pretax return on assets | 0.2289% | 6,023 |
Return on Equity (ROE) | 1.2618% | 6,155 |
Retained earnings to average equity (ytd only) | 1.2618% | 5,345 |
Net charge-offs to loans | -0.4345% | 6,833 |
Credit loss provision to net charge-offs | -23.2558% | 4,991 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 93.6688% | 856 |
Assets per employee ($millions) | 4.2985% | 3,342 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.4183% | 1,222 |
Loan loss allowance to noncurrent loans | 75.0579% | 4,131 |
Noncurrent assets plus other real estate owned to assets | 3.9142% | 1,039 |
Noncurrent loans to loans | 3.2219% | 1,517 |
Net loans and leases to total assets | 76.0382% | 833 |
Net loans and leases to deposits | 85.1394% | 1,454 |
Net loans and leases to core deposits | 101.2939% | 872 |
Total domestic deposits to total assets | 89.3102% | 1,482 |
Equity capital to assets | 10.4610% | 3,582 |
Core capital (leverage) ratio | 9.1590% | 4,627 |
Tier 1 risk-based capital ratio | 12.2224% | 5,775 |
Total risk-based capital ratio | 13.4911% | 5,720 |
Memoranda: | ||
Average total assets | $50,679,000 | 6,167 |
Average earning assets | $45,438,000 | 6,177 |
Average equity | $5,389,000 | 6,145 |
Average total loans | $39,584,500 | 5,483 |
2012-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7910% | 2,235 |
Cost of funding earning assets | 0.8648% | 2,186 |
Net interest margin | 3.9262% | 2,714 |
Noninterest income to average assets | 1.0054% | 1,521 |
Noninterest expense to average assets | 3.8760% | 1,122 |
Loan and lease loss provision to assets | 0.6143% | 888 |
Net operating income to assets | -0.0055% | 6,175 |
Return on assets (ROA) | 0.0450% | 6,235 |
Pretax return on assets | 0.0696% | 6,197 |
Return on Equity (ROE) | 0.4229% | 6,238 |
Retained earnings to average equity (ytd only) | 0.4229% | 5,645 |
Net charge-offs to loans | 2.1959% | 310 |
Credit loss provision to net charge-offs | 36.1011% | 5,005 |
Earnings coverage of net charge-offs (x) | 0.3562% | 5,301 |
Efficiency ratio | 86.4778% | 1,383 |
Assets per employee ($millions) | 3.1110% | 5,822 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.3579% | 1,293 |
Loan loss allowance to noncurrent loans | 57.2943% | 4,779 |
Noncurrent assets plus other real estate owned to assets | 4.7111% | 859 |
Noncurrent loans to loans | 4.1155% | 1,126 |
Net loans and leases to total assets | 76.4545% | 861 |
Net loans and leases to deposits | 85.9401% | 1,524 |
Net loans and leases to core deposits | 103.5256% | 812 |
Total domestic deposits to total assets | 88.9626% | 1,587 |
Equity capital to assets | 10.8124% | 3,163 |
Core capital (leverage) ratio | 9.3742% | 4,288 |
Tier 1 risk-based capital ratio | 12.6324% | 5,377 |
Total risk-based capital ratio | 13.9005% | 5,309 |
Memoranda: | ||
Average total assets | $48,838,600 | 6,242 |
Average earning assets | $43,248,000 | 6,262 |
Average equity | $5,202,400 | 6,244 |
Average total loans | $37,842,800 | 5,595 |
2012-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7993% | 2,392 |
Cost of funding earning assets | 0.9395% | 1,919 |
Net interest margin | 3.8598% | 3,080 |
Noninterest income to average assets | 0.9629% | 1,628 |
Noninterest expense to average assets | 4.4851% | 545 |
Loan and lease loss provision to assets | 0.4115% | 1,553 |
Net operating income to assets | -0.5075% | 6,704 |
Return on assets (ROA) | -0.4033% | 6,694 |
Pretax return on assets | -0.4033% | 6,659 |
Return on Equity (ROE) | -3.8003% | 6,666 |
Retained earnings to average equity (ytd only) | -3.8003% | 6,536 |
Net charge-offs to loans | 1.7784% | 447 |
Credit loss provision to net charge-offs | 29.9401% | 4,804 |
Earnings coverage of net charge-offs (x) | -0.0699% | 5,365 |
Efficiency ratio | 102.1875% | 474 |
Assets per employee ($millions) | 2.6521% | 6,545 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.9149% | 788 |
Loan loss allowance to noncurrent loans | 56.6787% | 4,819 |
Noncurrent assets plus other real estate owned to assets | 4.8202% | 935 |
Noncurrent loans to loans | 5.1428% | 868 |
Net loans and leases to total assets | 76.6785% | 878 |
Net loans and leases to deposits | 86.3343% | 1,564 |
Net loans and leases to core deposits | 108.7140% | 619 |
Total domestic deposits to total assets | 88.8158% | 1,528 |
Equity capital to assets | 10.6186% | 3,708 |
Core capital (leverage) ratio | 8.4404% | 5,835 |
Tier 1 risk-based capital ratio | 11.9236% | 5,979 |
Total risk-based capital ratio | 13.1997% | 5,953 |
Memoranda: | ||
Average total assets | $48,604,250 | 6,324 |
Average earning assets | $43,144,250 | 6,335 |
Average equity | $5,157,500 | 6,322 |
Average total loans | $37,559,750 | 5,678 |
2012-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7884% | 2,556 |
Cost of funding earning assets | 0.9687% | 1,940 |
Net interest margin | 3.8196% | 3,271 |
Noninterest income to average assets | 0.8590% | 1,934 |
Noninterest expense to average assets | 4.1437% | 787 |
Loan and lease loss provision to assets | 0.4091% | 1,606 |
Net operating income to assets | -0.3068% | 6,623 |
Return on assets (ROA) | -0.3068% | 6,681 |
Pretax return on assets | -0.3068% | 6,646 |
Return on Equity (ROE) | -2.8918% | 6,668 |
Retained earnings to average equity (ytd only) | -2.8918% | 6,452 |
Net charge-offs to loans | 2.4952% | 284 |
Credit loss provision to net charge-offs | 21.3675% | 4,582 |
Earnings coverage of net charge-offs (x) | 0.0534% | 5,056 |
Efficiency ratio | 97.5915% | 638 |
Assets per employee ($millions) | 3.0561% | 5,937 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.8583% | 896 |
Loan loss allowance to noncurrent loans | 57.0675% | 4,781 |
Noncurrent assets plus other real estate owned to assets | 5.2682% | 875 |
Noncurrent loans to loans | 5.0086% | 984 |
Net loans and leases to total assets | 75.2050% | 1,077 |
Net loans and leases to deposits | 84.4696% | 1,793 |
Net loans and leases to core deposits | 101.2751% | 1,020 |
Total domestic deposits to total assets | 89.0320% | 1,480 |
Equity capital to assets | 10.5098% | 3,676 |
Core capital (leverage) ratio | 8.5642% | 5,566 |
Tier 1 risk-based capital ratio | 12.0138% | 5,924 |
Total risk-based capital ratio | 13.2885% | 5,884 |
Memoranda: | ||
Average total assets | $48,893,330 | 6,356 |
Average earning assets | $43,355,000 | 6,365 |
Average equity | $5,187,000 | 6,340 |
Average total loans | $37,512,000 | 5,707 |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8604% | 2,395 |
Cost of funding earning assets | 1.0335% | 1,785 |
Net interest margin | 3.8269% | 3,255 |
Noninterest income to average assets | 0.8836% | 1,821 |
Noninterest expense to average assets | 3.9598% | 981 |
Loan and lease loss provision to assets | 0.1227% | 3,808 |
Net operating income to assets | 0.0982% | 6,239 |
Return on assets (ROA) | 0.0982% | 6,365 |
Pretax return on assets | 0.1636% | 6,265 |
Return on Equity (ROE) | 0.9211% | 6,363 |
Retained earnings to average equity (ytd only) | 0.9211% | 5,699 |
Net charge-offs to loans | 3.2030% | 218 |
Credit loss provision to net charge-offs | 5.0167% | 3,958 |
Earnings coverage of net charge-offs (x) | 0.1171% | 4,308 |
Efficiency ratio | 93.2563% | 868 |
Assets per employee ($millions) | 3.4474% | 5,245 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.1281% | 737 |
Loan loss allowance to noncurrent loans | 60.9833% | 4,476 |
Noncurrent assets plus other real estate owned to assets | 5.3746% | 937 |
Noncurrent loans to loans | 5.1294% | 1,081 |
Net loans and leases to total assets | 74.8156% | 948 |
Net loans and leases to deposits | 84.3136% | 1,627 |
Net loans and leases to core deposits | 100.0138% | 986 |
Total domestic deposits to total assets | 88.7349% | 1,862 |
Equity capital to assets | 10.8217% | 3,116 |
Core capital (leverage) ratio | 8.7091% | 5,277 |
Tier 1 risk-based capital ratio | 12.4154% | 5,676 |
Total risk-based capital ratio | 13.6932% | 5,616 |
Memoranda: | ||
Average total assets | $48,891,500 | 6,399 |
Average earning assets | $42,959,500 | 6,429 |
Average equity | $5,211,000 | 6,361 |
Average total loans | $37,340,500 | 5,763 |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2053% | 2,039 |
Cost of funding earning assets | 1.4300% | 918 |
Net interest margin | 3.7753% | 3,949 |
Noninterest income to average assets | 0.5821% | 3,282 |
Noninterest expense to average assets | 4.0725% | 935 |
Loan and lease loss provision to assets | 1.9749% | 303 |
Net operating income to assets | -1.2764% | 6,846 |
Return on assets (ROA) | -1.2764% | 6,865 |
Pretax return on assets | -2.0955% | 7,048 |
Return on Equity (ROE) | -12.8441% | 6,828 |
Retained earnings to average equity (ytd only) | -12.8441% | 6,801 |
Net charge-offs to loans | 1.0870% | 1,588 |
Credit loss provision to net charge-offs | 240.5063% | 1,004 |
Earnings coverage of net charge-offs (x) | -0.1468% | 5,923 |
Efficiency ratio | 103.0510% | 591 |
Assets per employee ($millions) | 4.1266% | 3,592 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.8764% | 413 |
Loan loss allowance to noncurrent loans | 102.5460% | 2,988 |
Noncurrent assets plus other real estate owned to assets | 3.6208% | 1,622 |
Noncurrent loans to loans | 3.7801% | 1,661 |
Net loans and leases to total assets | 72.6105% | 1,536 |
Net loans and leases to deposits | 81.4701% | 2,278 |
Net loans and leases to core deposits | 96.1082% | 1,483 |
Total domestic deposits to total assets | 89.1254% | 1,462 |
Equity capital to assets | 10.4990% | 3,536 |
Core capital (leverage) ratio | 8.7110% | 5,234 |
Tier 1 risk-based capital ratio | 12.3988% | 5,536 |
Total risk-based capital ratio | 13.6859% | 5,482 |
Memoranda: | ||
Average total assets | $48,103,400 | 6,419 |
Average earning assets | $42,936,800 | 6,426 |
Average equity | $4,780,400 | 6,509 |
Average total loans | $36,340,000 | 5,856 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0869% | 2,672 |
Cost of funding earning assets | 1.5198% | 798 |
Net interest margin | 3.5671% | 4,913 |
Noninterest income to average assets | 0.5529% | 3,498 |
Noninterest expense to average assets | 4.1186% | 876 |
Loan and lease loss provision to assets | 0.5724% | 1,715 |
Net operating income to assets | -0.5780% | 6,684 |
Return on assets (ROA) | -0.5780% | 6,726 |
Pretax return on assets | -0.9466% | 6,856 |
Return on Equity (ROE) | -5.9026% | 6,711 |
Retained earnings to average equity (ytd only) | -5.9026% | 6,638 |
Net charge-offs to loans | 0.9203% | 1,744 |
Credit loss provision to net charge-offs | 82.3293% | 4,061 |
Earnings coverage of net charge-offs (x) | -0.5381% | 5,846 |
Efficiency ratio | 109.9925% | 429 |
Assets per employee ($millions) | 3.1879% | 5,711 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.3414% | 1,629 |
Loan loss allowance to noncurrent loans | 43.9112% | 5,393 |
Noncurrent assets plus other real estate owned to assets | 5.3159% | 1,068 |
Noncurrent loans to loans | 5.3321% | 1,131 |
Net loans and leases to total assets | 74.2278% | 1,300 |
Net loans and leases to deposits | 82.8297% | 2,200 |
Net loans and leases to core deposits | 98.2452% | 1,405 |
Total domestic deposits to total assets | 89.6150% | 1,087 |
Equity capital to assets | 10.0755% | 4,242 |
Core capital (leverage) ratio | 8.3952% | 5,862 |
Tier 1 risk-based capital ratio | 12.2286% | 5,722 |
Total risk-based capital ratio | 13.4950% | 5,693 |
Memoranda: | ||
Average total assets | $47,749,500 | 6,488 |
Average earning assets | $42,723,000 | 6,492 |
Average equity | $4,675,750 | 6,595 |
Average total loans | $36,073,500 | 5,915 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0371% | 2,986 |
Cost of funding earning assets | 1.5484% | 842 |
Net interest margin | 3.4887% | 5,210 |
Noninterest income to average assets | 0.5238% | 3,671 |
Noninterest expense to average assets | 4.3833% | 680 |
Loan and lease loss provision to assets | 0.3772% | 2,530 |
Net operating income to assets | -0.6747% | 6,804 |
Return on assets (ROA) | -0.6747% | 6,809 |
Pretax return on assets | -1.1021% | 6,928 |
Return on Equity (ROE) | -6.9572% | 6,826 |
Retained earnings to average equity (ytd only) | -6.9572% | 6,719 |
Net charge-offs to loans | 0.8893% | 1,748 |
Credit loss provision to net charge-offs | 56.2500% | 4,434 |
Earnings coverage of net charge-offs (x) | -1.0813% | 5,647 |
Efficiency ratio | 119.8167% | 346 |
Assets per employee ($millions) | 2.9753% | 6,137 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.2346% | 1,852 |
Loan loss allowance to noncurrent loans | 49.3716% | 5,058 |
Noncurrent assets plus other real estate owned to assets | 4.3883% | 1,439 |
Noncurrent loans to loans | 4.5261% | 1,458 |
Net loans and leases to total assets | 75.8214% | 1,097 |
Net loans and leases to deposits | 84.6145% | 2,013 |
Net loans and leases to core deposits | 102.3015% | 1,159 |
Total domestic deposits to total assets | 89.6080% | 1,183 |
Equity capital to assets | 10.1315% | 3,975 |
Core capital (leverage) ratio | 8.5342% | 5,499 |
Tier 1 risk-based capital ratio | 12.5737% | 5,271 |
Total risk-based capital ratio | 13.8394% | 5,231 |
Memoranda: | ||
Average total assets | $47,726,330 | 6,546 |
Average earning assets | $42,881,670 | 6,545 |
Average equity | $4,628,330 | 6,644 |
Average total loans | $35,982,670 | 5,966 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0942% | 2,671 |
Cost of funding earning assets | 1.5639% | 939 |
Net interest margin | 3.5304% | 4,880 |
Noninterest income to average assets | 0.5943% | 3,214 |
Noninterest expense to average assets | 4.3861% | 662 |
Loan and lease loss provision to assets | 0.5022% | 1,734 |
Net operating income to assets | -0.6947% | 6,912 |
Return on assets (ROA) | -0.6947% | 6,918 |
Pretax return on assets | -1.1384% | 7,041 |
Return on Equity (ROE) | -7.3273% | 6,931 |
Retained earnings to average equity (ytd only) | -7.3273% | 6,701 |
Net charge-offs to loans | 1.8133% | 715 |
Credit loss provision to net charge-offs | 37.2671% | 3,997 |
Earnings coverage of net charge-offs (x) | -0.4720% | 4,783 |
Efficiency ratio | 116.9643% | 385 |
Assets per employee ($millions) | 3.0419% | 6,072 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.2153% | 1,922 |
Loan loss allowance to noncurrent loans | 93.0832% | 3,075 |
Noncurrent assets plus other real estate owned to assets | 3.0018% | 2,298 |
Noncurrent loans to loans | 2.3800% | 3,112 |
Net loans and leases to total assets | 72.0095% | 1,722 |
Net loans and leases to deposits | 79.6107% | 2,788 |
Net loans and leases to core deposits | 95.6236% | 1,701 |
Total domestic deposits to total assets | 90.4520% | 868 |
Equity capital to assets | 9.3672% | 4,628 |
Core capital (leverage) ratio | 8.2688% | 5,870 |
Tier 1 risk-based capital ratio | 11.6293% | 6,002 |
Total risk-based capital ratio | 12.8933% | 5,976 |
Memoranda: | ||
Average total assets | $47,787,500 | 6,589 |
Average earning assets | $42,715,000 | 6,596 |
Average equity | $4,531,000 | 6,702 |
Average total loans | $35,514,500 | 6,046 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.6162% | 1,833 |
Cost of funding earning assets | 1.9387% | 746 |
Net interest margin | 3.6775% | 4,453 |
Noninterest income to average assets | 0.9037% | 1,844 |
Noninterest expense to average assets | 4.1271% | 991 |
Loan and lease loss provision to assets | 1.0832% | 1,477 |
Net operating income to assets | -0.5964% | 6,447 |
Return on assets (ROA) | -0.4014% | 6,340 |
Pretax return on assets | -0.6616% | 6,436 |
Return on Equity (ROE) | -4.5933% | 6,400 |
Retained earnings to average equity (ytd only) | -4.5933% | 6,259 |
Net charge-offs to loans | 0.8815% | 2,429 |
Credit loss provision to net charge-offs | 157.9412% | 2,225 |
Earnings coverage of net charge-offs (x) | 0.1706% | 5,940 |
Efficiency ratio | 97.2433% | 901 |
Assets per employee ($millions) | 2.7591% | 6,594 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.5435% | 1,362 |
Loan loss allowance to noncurrent loans | 91.8891% | 3,109 |
Noncurrent assets plus other real estate owned to assets | 3.0999% | 2,276 |
Noncurrent loans to loans | 2.7680% | 2,751 |
Net loans and leases to total assets | 73.1116% | 1,847 |
Net loans and leases to deposits | 81.0537% | 2,978 |
Net loans and leases to core deposits | 96.9085% | 1,904 |
Total domestic deposits to total assets | 90.2015% | 989 |
Equity capital to assets | 9.6003% | 4,271 |
Core capital (leverage) ratio | 8.6220% | 5,158 |
Tier 1 risk-based capital ratio | 11.9037% | 5,565 |
Total risk-based capital ratio | 13.1709% | 5,525 |
Memoranda: | ||
Average total assets | $49,574,600 | 6,554 |
Average earning assets | $45,030,800 | 6,538 |
Average equity | $4,332,400 | 6,880 |
Average total loans | $38,572,400 | 5,985 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.5769% | 2,155 |
Cost of funding earning assets | 2.0046% | 744 |
Net interest margin | 3.5723% | 5,005 |
Noninterest income to average assets | 0.6714% | 3,006 |
Noninterest expense to average assets | 3.9541% | 1,113 |
Loan and lease loss provision to assets | 1.4251% | 946 |
Net operating income to assets | -0.8801% | 6,830 |
Return on assets (ROA) | -0.6236% | 6,727 |
Pretax return on assets | -1.0297% | 6,873 |
Return on Equity (ROE) | -7.3042% | 6,805 |
Retained earnings to average equity (ytd only) | -7.3042% | 6,732 |
Net charge-offs to loans | 0.7374% | 2,578 |
Credit loss provision to net charge-offs | 246.3303% | 1,359 |
Earnings coverage of net charge-offs (x) | -0.0092% | 6,038 |
Efficiency ratio | 100.1344% | 738 |
Assets per employee ($millions) | 3.0908% | 5,938 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.8210% | 988 |
Loan loss allowance to noncurrent loans | 54.0670% | 4,699 |
Noncurrent assets plus other real estate owned to assets | 4.6913% | 1,406 |
Noncurrent loans to loans | 5.2176% | 1,304 |
Net loans and leases to total assets | 75.5662% | 1,482 |
Net loans and leases to deposits | 83.9721% | 2,712 |
Net loans and leases to core deposits | 107.4135% | 1,203 |
Total domestic deposits to total assets | 89.9896% | 886 |
Equity capital to assets | 9.5596% | 4,756 |
Core capital (leverage) ratio | 7.8716% | 6,494 |
Tier 1 risk-based capital ratio | 11.3755% | 6,038 |
Total risk-based capital ratio | 12.6478% | 6,009 |
Memoranda: | ||
Average total assets | $50,242,000 | 6,598 |
Average earning assets | $46,094,000 | 6,589 |
Average equity | $4,289,750 | 6,984 |
Average total loans | $39,418,500 | 6,029 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.4338% | 2,827 |
Cost of funding earning assets | 2.0088% | 889 |
Net interest margin | 3.4250% | 5,538 |
Noninterest income to average assets | 0.3764% | 5,114 |
Noninterest expense to average assets | 3.8226% | 1,323 |
Loan and lease loss provision to assets | 1.3078% | 1,047 |
Net operating income to assets | -0.9688% | 6,932 |
Return on assets (ROA) | -0.8421% | 6,891 |
Pretax return on assets | -1.3932% | 7,045 |
Return on Equity (ROE) | -10.2302% | 6,974 |
Retained earnings to average equity (ytd only) | -10.2302% | 6,925 |
Net charge-offs to loans | 0.5081% | 3,007 |
Credit loss provision to net charge-offs | 327.1845% | 1,119 |
Earnings coverage of net charge-offs (x) | -0.7087% | 6,072 |
Efficiency ratio | 108.0044% | 588 |
Assets per employee ($millions) | 3.5341% | 4,831 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.2665% | 1,643 |
Loan loss allowance to noncurrent loans | 58.9128% | 4,405 |
Noncurrent assets plus other real estate owned to assets | 3.8381% | 1,809 |
Noncurrent loans to loans | 3.8472% | 1,996 |
Net loans and leases to total assets | 81.2260% | 638 |
Net loans and leases to deposits | 89.1979% | 1,976 |
Net loans and leases to core deposits | 112.5868% | 998 |
Total domestic deposits to total assets | 91.0627% | 460 |
Equity capital to assets | 8.3067% | 6,418 |
Core capital (leverage) ratio | 6.8421% | 7,266 |
Tier 1 risk-based capital ratio | 9.0254% | 7,411 |
Total risk-based capital ratio | 10.2911% | 7,418 |
Memoranda: | ||
Average total assets | $51,535,330 | 6,599 |
Average earning assets | $47,591,330 | 6,565 |
Average equity | $4,242,330 | 7,033 |
Average total loans | $40,541,000 | 6,024 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2136% | 3,948 |
Cost of funding earning assets | 2.0444% | 957 |
Net interest margin | 3.1692% | 6,382 |
Noninterest income to average assets | 0.4261% | 4,698 |
Noninterest expense to average assets | 3.3940% | 2,249 |
Loan and lease loss provision to assets | 0.0000% | 6,552 |
Net operating income to assets | -0.0216% | 6,336 |
Return on assets (ROA) | 0.1294% | 6,053 |
Pretax return on assets | 0.2055% | 5,861 |
Return on Equity (ROE) | 1.5783% | 5,931 |
Retained earnings to average equity (ytd only) | 1.5783% | 5,158 |
Net charge-offs to loans | 1.0733% | 1,556 |
Credit loss provision to net charge-offs | 0.0000% | 5,126 |
Earnings coverage of net charge-offs (x) | -0.0370% | 5,058 |
Efficiency ratio | 100.9050% | 811 |
Assets per employee ($millions) | 3.7161% | 4,535 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4639% | 4,110 |
Loan loss allowance to noncurrent loans | 22.4676% | 6,883 |
Noncurrent assets plus other real estate owned to assets | 5.7357% | 1,063 |
Noncurrent loans to loans | 6.5156% | 957 |
Net loans and leases to total assets | 76.3345% | 1,473 |
Net loans and leases to deposits | 83.5623% | 3,014 |
Net loans and leases to core deposits | 105.8251% | 1,592 |
Total domestic deposits to total assets | 91.3503% | 421 |
Equity capital to assets | 8.2922% | 6,311 |
Core capital (leverage) ratio | 8.0819% | 6,118 |
Tier 1 risk-based capital ratio | 11.2035% | 5,954 |
Total risk-based capital ratio | 12.4562% | 5,909 |
Memoranda: | ||
Average total assets | $52,564,000 | 6,648 |
Average earning assets | $48,718,500 | 6,601 |
Average equity | $4,308,500 | 7,066 |
Average total loans | $40,251,000 | 6,111 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.4728% | 4,306 |
Cost of funding earning assets | 2.5683% | 854 |
Net interest margin | 2.9046% | 6,861 |
Noninterest income to average assets | 0.3136% | 5,835 |
Noninterest expense to average assets | 3.3385% | 2,877 |
Loan and lease loss provision to assets | 0.1109% | 6,538 |
Net operating income to assets | -0.2515% | 5,896 |
Return on assets (ROA) | -0.1071% | 5,696 |
Pretax return on assets | -0.1855% | 5,686 |
Return on Equity (ROE) | -1.2977% | 5,736 |
Retained earnings to average equity (ytd only) | -1.2977% | 5,346 |
Net charge-offs to loans | 1.6124% | 1,568 |
Credit loss provision to net charge-offs | 8.7613% | 6,976 |
Earnings coverage of net charge-offs (x) | -0.2372% | 6,494 |
Efficiency ratio | 109.8804% | 799 |
Assets per employee ($millions) | 3.5402% | 4,919 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7364% | 2,761 |
Loan loss allowance to noncurrent loans | 31.8431% | 6,334 |
Noncurrent assets plus other real estate owned to assets | 4.4574% | 1,450 |
Noncurrent loans to loans | 5.4529% | 1,193 |
Net loans and leases to total assets | 74.3856% | 2,170 |
Net loans and leases to deposits | 81.2243% | 3,755 |
Net loans and leases to core deposits | 91.7369% | 4,923 |
Total domestic deposits to total assets | 91.5805% | 355 |
Equity capital to assets | 8.1031% | 6,458 |
Core capital (leverage) ratio | 8.1620% | 5,884 |
Tier 1 risk-based capital ratio | 10.9646% | 5,947 |
Total risk-based capital ratio | 12.2214% | 5,910 |
Memoranda: | ||
Average total assets | $52,299,600 | 6,622 |
Average earning assets | $49,060,400 | 6,561 |
Average equity | $4,315,400 | 7,170 |
Average total loans | $41,057,000 | 6,053 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.5848% | 3,950 |
Cost of funding earning assets | 2.6592% | 887 |
Net interest margin | 2.9256% | 6,789 |
Noninterest income to average assets | 0.3225% | 5,900 |
Noninterest expense to average assets | 3.2630% | 3,065 |
Loan and lease loss provision to assets | 0.0691% | 6,671 |
Net operating income to assets | -0.1997% | 6,062 |
Return on assets (ROA) | 0.0358% | 5,682 |
Pretax return on assets | 0.0461% | 5,618 |
Return on Equity (ROE) | 0.4323% | 5,657 |
Retained earnings to average equity (ytd only) | 0.4323% | 5,020 |
Net charge-offs to loans | 1.5442% | 1,326 |
Credit loss provision to net charge-offs | 5.6485% | 6,637 |
Earnings coverage of net charge-offs (x) | -0.1527% | 6,240 |
Efficiency ratio | 106.0732% | 854 |
Assets per employee ($millions) | 3.4681% | 5,005 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1555% | 1,497 |
Loan loss allowance to noncurrent loans | 41.7771% | 5,540 |
Noncurrent assets plus other real estate owned to assets | 4.2521% | 1,470 |
Noncurrent loans to loans | 5.1594% | 1,249 |
Net loans and leases to total assets | 74.2585% | 2,454 |
Net loans and leases to deposits | 81.4859% | 4,115 |
Net loans and leases to core deposits | 90.9112% | 5,344 |
Total domestic deposits to total assets | 91.1305% | 373 |
Equity capital to assets | 8.3908% | 6,398 |
Core capital (leverage) ratio | 8.3354% | 5,771 |
Tier 1 risk-based capital ratio | 11.2286% | 5,715 |
Total risk-based capital ratio | 12.4896% | 5,650 |
Memoranda: | ||
Average total assets | $52,098,750 | 6,681 |
Average earning assets | $49,036,750 | 6,610 |
Average equity | $4,318,500 | 7,244 |
Average total loans | $41,271,500 | 6,093 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.6334% | 3,892 |
Cost of funding earning assets | 2.7210% | 986 |
Net interest margin | 2.9124% | 6,772 |
Noninterest income to average assets | 0.3070% | 6,056 |
Noninterest expense to average assets | 3.2729% | 3,069 |
Loan and lease loss provision to assets | 0.0000% | 7,158 |
Net operating income to assets | -0.1447% | 6,096 |
Return on assets (ROA) | 0.1496% | 5,515 |
Pretax return on assets | 0.2302% | 5,386 |
Return on Equity (ROE) | 1.8127% | 5,372 |
Retained earnings to average equity (ytd only) | 1.8127% | 4,337 |
Net charge-offs to loans | 1.7913% | 1,055 |
Credit loss provision to net charge-offs | 0.0000% | 6,237 |
Earnings coverage of net charge-offs (x) | -0.1547% | 5,844 |
Efficiency ratio | 107.2956% | 932 |
Assets per employee ($millions) | 3.9788% | 3,721 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.2317% | 1,185 |
Loan loss allowance to noncurrent loans | 39.0480% | 5,799 |
Noncurrent assets plus other real estate owned to assets | 5.1310% | 1,015 |
Noncurrent loans to loans | 5.7154% | 989 |
Net loans and leases to total assets | 78.5114% | 1,636 |
Net loans and leases to deposits | 86.6143% | 3,437 |
Net loans and leases to core deposits | 95.9344% | 4,909 |
Total domestic deposits to total assets | 90.6448% | 576 |
Equity capital to assets | 8.4253% | 6,159 |
Core capital (leverage) ratio | 8.3426% | 5,726 |
Tier 1 risk-based capital ratio | 11.0008% | 5,875 |
Total risk-based capital ratio | 12.2649% | 5,789 |
Memoranda: | ||
Average total assets | $52,124,670 | 6,741 |
Average earning assets | $49,100,330 | 6,667 |
Average equity | $4,303,000 | 7,309 |
Average total loans | $41,868,330 | 6,117 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.5268% | 4,774 |
Cost of funding earning assets | 2.8038% | 973 |
Net interest margin | 2.7230% | 7,153 |
Noninterest income to average assets | 0.2370% | 6,562 |
Noninterest expense to average assets | 2.9585% | 3,945 |
Loan and lease loss provision to assets | 0.0000% | 6,744 |
Net operating income to assets | -0.1037% | 6,414 |
Return on assets (ROA) | 0.0917% | 6,166 |
Pretax return on assets | 0.1300% | 6,101 |
Return on Equity (ROE) | 1.1227% | 6,092 |
Retained earnings to average equity (ytd only) | 1.1227% | 5,194 |
Net charge-offs to loans | 4.4155% | 259 |
Credit loss provision to net charge-offs | 0.0000% | 5,248 |
Earnings coverage of net charge-offs (x) | -0.0409% | 5,019 |
Efficiency ratio | 105.1630% | 948 |
Assets per employee ($millions) | 4.0762% | 3,495 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9667% | 1,485 |
Loan loss allowance to noncurrent loans | 36.0120% | 6,160 |
Noncurrent assets plus other real estate owned to assets | 4.3914% | 1,110 |
Noncurrent loans to loans | 5.4613% | 946 |
Net loans and leases to total assets | 78.8281% | 1,616 |
Net loans and leases to deposits | 86.8077% | 3,510 |
Net loans and leases to core deposits | 132.9017% | 1,480 |
Total domestic deposits to total assets | 90.8077% | 474 |
Equity capital to assets | 8.2129% | 6,520 |
Core capital (leverage) ratio | 8.1073% | 6,276 |
Tier 1 risk-based capital ratio | 10.6743% | 6,218 |
Total risk-based capital ratio | 11.9361% | 6,113 |
Memoranda: | ||
Average total assets | $52,324,500 | 6,771 |
Average earning assets | $49,504,000 | 6,684 |
Average equity | $4,275,500 | 7,356 |
Average total loans | $42,034,000 | 6,143 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.5975% | 2,505 |
Cost of funding earning assets | 3.1971% | 1,201 |
Net interest margin | 3.4004% | 5,664 |
Noninterest income to average assets | 0.1790% | 7,158 |
Noninterest expense to average assets | 3.4291% | 2,585 |
Loan and lease loss provision to assets | 2.4215% | 440 |
Net operating income to assets | -1.4621% | 7,449 |
Return on assets (ROA) | -1.4621% | 7,393 |
Pretax return on assets | -2.4467% | 7,577 |
Return on Equity (ROE) | -14.1600% | 7,549 |
Retained earnings to average equity (ytd only) | -15.2492% | 7,476 |
Net charge-offs to loans | 0.0911% | 5,436 |
Credit loss provision to net charge-offs | 3,296.8750% | 153 |
Earnings coverage of net charge-offs (x) | -0.3438% | 6,440 |
Efficiency ratio | 100.7417% | 954 |
Assets per employee ($millions) | 3.9738% | 3,579 |
Cash dividends to net income (ytd only)* | -7.6923% | 7,808 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.1405% | 386 |
Loan loss allowance to noncurrent loans | 86.2252% | 3,909 |
Noncurrent assets plus other real estate owned to assets | 2.9230% | 1,583 |
Noncurrent loans to loans | 3.6422% | 1,388 |
Net loans and leases to total assets | 77.7348% | 2,209 |
Net loans and leases to deposits | 85.0640% | 4,244 |
Net loans and leases to core deposits | 130.6811% | 1,804 |
Total domestic deposits to total assets | 91.3839% | 228 |
Equity capital to assets | 8.1283% | 6,657 |
Core capital (leverage) ratio | 8.2847% | 5,986 |
Tier 1 risk-based capital ratio | 10.8609% | 5,848 |
Total risk-based capital ratio | 12.1246% | 5,752 |
Memoranda: | ||
Average total assets | $43,568,200 | 7,048 |
Average earning assets | $41,318,800 | 6,976 |
Average equity | $4,498,600 | 7,331 |
Average total loans | $35,142,200 | 6,418 |