Home > TrustAtlantic Bank > Performance and Condition Ratios
TrustAtlantic Bank, Performance and Condition Ratios
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 | 4.3092% | 2,193 |
Cost of funding earning assets | 0.7119% | 786 |
Net interest margin | 3.5973% | 3,171 |
Noninterest income to average assets | 0.1529% | 5,722 |
Noninterest expense to average assets | 2.0286% | 5,425 |
Loan and lease loss provision to assets | 0.0000% | 4,232 |
Net operating income to assets | 0.9832% | 2,560 |
Return on assets (ROA) | 0.9838% | 2,636 |
Pretax return on assets | 1.5392% | 1,576 |
Return on Equity (ROE) | 8.3428% | 2,911 |
Retained earnings to average equity (ytd only) | 4.9725% | 2,938 |
Net charge-offs to loans | 0.5314% | 439 |
Credit loss provision to net charge-offs | 0.0000% | 3,517 |
Earnings coverage of net charge-offs (x) | 3.9873% | 3,422 |
Efficiency ratio | 56.7192% | 5,256 |
Assets per employee ($millions) | 8.0980% | 518 |
Cash dividends to net income (ytd only)* | 40.3978% | 2,288 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5565% | 1,943 |
Loan loss allowance to noncurrent loans | 186.2304% | 2,397 |
Noncurrent assets plus other real estate owned to assets | 0.9864% | 2,385 |
Noncurrent loans to loans | 0.8358% | 2,881 |
Net loans and leases to total assets | 72.4651% | 1,988 |
Net loans and leases to deposits | 83.9147% | 2,418 |
Net loans and leases to core deposits | 106.5814% | 1,057 |
Total domestic deposits to total assets | 86.3556% | 2,357 |
Equity capital to assets | 12.9694% | 1,462 |
Core capital (leverage) ratio | 11.4600% | 2,066 |
Tier 1 risk-based capital ratio | 14.1492% | 3,764 |
Total risk-based capital ratio | 15.4039% | 3,691 |
Memoranda: | ||
Average total assets | $436,142,000 | 1,539 |
Average earning assets | $413,926,250 | 1,503 |
Average equity | $51,428,000 | 1,448 |
Average total loans | $316,634,000 | 1,403 |
2015-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2793% | 2,244 |
Cost of funding earning assets | 0.7018% | 837 |
Net interest margin | 3.5775% | 3,177 |
Noninterest income to average assets | 0.1214% | 5,938 |
Noninterest expense to average assets | 2.0069% | 5,519 |
Loan and lease loss provision to assets | 0.0000% | 4,069 |
Net operating income to assets | 0.9656% | 2,560 |
Return on assets (ROA) | 0.9656% | 2,666 |
Pretax return on assets | 1.5138% | 1,608 |
Return on Equity (ROE) | 8.4439% | 2,826 |
Retained earnings to average equity (ytd only) | 5.3107% | 2,664 |
Net charge-offs to loans | 0.4789% | 529 |
Credit loss provision to net charge-offs | 0.0000% | 3,158 |
Earnings coverage of net charge-offs (x) | 4.3726% | 3,048 |
Efficiency ratio | 56.8503% | 5,354 |
Assets per employee ($millions) | 8.0955% | 506 |
Cash dividends to net income (ytd only)* | 37.1058% | 2,532 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6188% | 1,852 |
Loan loss allowance to noncurrent loans | 258.4677% | 1,820 |
Noncurrent assets plus other real estate owned to assets | 0.8269% | 2,906 |
Noncurrent loans to loans | 0.6263% | 3,593 |
Net loans and leases to total assets | 72.6373% | 1,875 |
Net loans and leases to deposits | 83.0924% | 2,427 |
Net loans and leases to core deposits | 106.3316% | 1,054 |
Total domestic deposits to total assets | 87.4176% | 1,949 |
Equity capital to assets | 12.0422% | 1,992 |
Core capital (leverage) ratio | 10.8298% | 2,582 |
Tier 1 risk-based capital ratio | 13.1126% | 4,452 |
Total risk-based capital ratio | 14.3807% | 4,354 |
Memoranda: | ||
Average total assets | $446,556,000 | 1,521 |
Average earning assets | $424,320,000 | 1,484 |
Average equity | $51,066,330 | 1,464 |
Average total loans | $322,828,670 | 1,390 |
2015-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1683% | 2,572 |
Cost of funding earning assets | 0.6926% | 881 |
Net interest margin | 3.4757% | 3,525 |
Noninterest income to average assets | 0.1388% | 5,916 |
Noninterest expense to average assets | 1.9468% | 5,672 |
Loan and lease loss provision to assets | 0.0000% | 3,703 |
Net operating income to assets | 0.9532% | 2,490 |
Return on assets (ROA) | 0.9532% | 2,625 |
Pretax return on assets | 1.4988% | 1,571 |
Return on Equity (ROE) | 8.5491% | 2,678 |
Retained earnings to average equity (ytd only) | 2.2456% | 4,560 |
Net charge-offs to loans | -0.0086% | 4,660 |
Credit loss provision to net charge-offs | 0.0000% | 2,491 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 56.3488% | 5,490 |
Assets per employee ($millions) | 8.6781% | 405 |
Cash dividends to net income (ytd only)* | 73.7327% | 1,095 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8280% | 1,436 |
Loan loss allowance to noncurrent loans | 93.7778% | 3,833 |
Noncurrent assets plus other real estate owned to assets | 1.7237% | 1,445 |
Noncurrent loans to loans | 1.9493% | 1,365 |
Net loans and leases to total assets | 71.6882% | 1,860 |
Net loans and leases to deposits | 81.6489% | 2,381 |
Net loans and leases to core deposits | 102.6640% | 1,135 |
Total domestic deposits to total assets | 87.8005% | 1,933 |
Equity capital to assets | 11.5347% | 2,436 |
Core capital (leverage) ratio | 10.3558% | 3,155 |
Tier 1 risk-based capital ratio | 12.5508% | 4,874 |
Total risk-based capital ratio | 13.8366% | 4,765 |
Memoranda: | ||
Average total assets | $455,304,500 | 1,496 |
Average earning assets | $433,173,500 | 1,450 |
Average equity | $50,765,500 | 1,481 |
Average total loans | $325,850,500 | 1,374 |
2014-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4473% | 2,082 |
Cost of funding earning assets | 0.6887% | 1,159 |
Net interest margin | 3.7586% | 2,776 |
Noninterest income to average assets | 0.1400% | 6,000 |
Noninterest expense to average assets | 2.1084% | 5,554 |
Loan and lease loss provision to assets | 0.0000% | 4,603 |
Net operating income to assets | 0.9941% | 2,414 |
Return on assets (ROA) | 1.0039% | 2,443 |
Pretax return on assets | 1.6051% | 1,221 |
Return on Equity (ROE) | 9.2902% | 2,445 |
Retained earnings to average equity (ytd only) | 7.3729% | 1,242 |
Net charge-offs to loans | 0.1014% | 3,057 |
Credit loss provision to net charge-offs | 0.0000% | 4,203 |
Earnings coverage of net charge-offs (x) | 21.7064% | 1,663 |
Efficiency ratio | 56.8409% | 5,585 |
Assets per employee ($millions) | 8.8306% | 373 |
Cash dividends to net income (ytd only)* | 20.6381% | 3,789 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7963% | 1,547 |
Loan loss allowance to noncurrent loans | 141.7147% | 2,933 |
Noncurrent assets plus other real estate owned to assets | 1.1833% | 2,401 |
Noncurrent loans to loans | 1.2675% | 2,334 |
Net loans and leases to total assets | 68.9304% | 2,406 |
Net loans and leases to deposits | 77.7811% | 2,997 |
Net loans and leases to core deposits | 96.2268% | 1,695 |
Total domestic deposits to total assets | 88.6211% | 1,459 |
Equity capital to assets | 10.7858% | 3,139 |
Core capital (leverage) ratio | 9.8406% | 3,784 |
Tier 1 risk-based capital ratio | 13.0043% | 4,729 |
Total risk-based capital ratio | 14.2878% | 4,616 |
Memoranda: | ||
Average total assets | $446,460,800 | 1,483 |
Average earning assets | $422,660,600 | 1,449 |
Average equity | $48,244,400 | 1,494 |
Average total loans | $322,326,400 | 1,352 |
2014-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4983% | 1,879 |
Cost of funding earning assets | 0.6825% | 1,242 |
Net interest margin | 3.8159% | 2,558 |
Noninterest income to average assets | 0.1318% | 6,114 |
Noninterest expense to average assets | 2.1880% | 5,378 |
Loan and lease loss provision to assets | 0.0000% | 4,401 |
Net operating income to assets | 0.9623% | 2,634 |
Return on assets (ROA) | 0.9737% | 2,644 |
Pretax return on assets | 1.5686% | 1,424 |
Return on Equity (ROE) | 9.0060% | 2,685 |
Retained earnings to average equity (ytd only) | 7.8177% | 1,438 |
Net charge-offs to loans | 0.0927% | 2,889 |
Credit loss provision to net charge-offs | 0.0000% | 3,801 |
Earnings coverage of net charge-offs (x) | 23.0042% | 1,607 |
Efficiency ratio | 58.3441% | 5,400 |
Assets per employee ($millions) | 7.7848% | 566 |
Cash dividends to net income (ytd only)* | 13.1946% | 3,449 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8449% | 1,588 |
Loan loss allowance to noncurrent loans | 928.1298% | 610 |
Noncurrent assets plus other real estate owned to assets | 0.4722% | 4,483 |
Noncurrent loans to loans | 0.1988% | 5,308 |
Net loans and leases to total assets | 70.7594% | 2,065 |
Net loans and leases to deposits | 80.2572% | 2,653 |
Net loans and leases to core deposits | 100.2186% | 1,348 |
Total domestic deposits to total assets | 88.1657% | 1,682 |
Equity capital to assets | 10.9238% | 3,036 |
Core capital (leverage) ratio | 10.1238% | 3,501 |
Tier 1 risk-based capital ratio | 13.1167% | 4,790 |
Total risk-based capital ratio | 14.4009% | 4,698 |
Memoranda: | ||
Average total assets | $441,070,000 | 1,519 |
Average earning assets | $416,916,000 | 1,481 |
Average equity | $47,685,500 | 1,517 |
Average total loans | $320,780,000 | 1,369 |
2014-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5026% | 1,819 |
Cost of funding earning assets | 0.6731% | 1,353 |
Net interest margin | 3.8295% | 2,449 |
Noninterest income to average assets | 0.1165% | 6,215 |
Noninterest expense to average assets | 2.2098% | 5,391 |
Loan and lease loss provision to assets | 0.0000% | 4,196 |
Net operating income to assets | 0.9612% | 2,501 |
Return on assets (ROA) | 0.9612% | 2,591 |
Pretax return on assets | 1.5211% | 1,474 |
Return on Equity (ROE) | 8.9224% | 2,632 |
Retained earnings to average equity (ytd only) | 7.1193% | 1,707 |
Net charge-offs to loans | 0.1441% | 2,233 |
Credit loss provision to net charge-offs | 0.0000% | 3,401 |
Earnings coverage of net charge-offs (x) | 14.4696% | 1,910 |
Efficiency ratio | 59.0469% | 5,422 |
Assets per employee ($millions) | 7.5510% | 607 |
Cash dividends to net income (ytd only)* | 20.2092% | 3,158 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8521% | 1,696 |
Loan loss allowance to noncurrent loans | 972.1232% | 531 |
Noncurrent assets plus other real estate owned to assets | 0.7035% | 3,871 |
Noncurrent loans to loans | 0.1905% | 5,440 |
Net loans and leases to total assets | 71.3458% | 1,854 |
Net loans and leases to deposits | 80.9996% | 2,384 |
Net loans and leases to core deposits | 101.7693% | 1,151 |
Total domestic deposits to total assets | 88.0817% | 1,859 |
Equity capital to assets | 10.8559% | 3,023 |
Core capital (leverage) ratio | 9.9687% | 3,660 |
Tier 1 risk-based capital ratio | 12.8819% | 4,990 |
Total risk-based capital ratio | 14.1724% | 4,901 |
Memoranda: | ||
Average total assets | $437,587,000 | 1,530 |
Average earning assets | $413,004,330 | 1,490 |
Average equity | $47,139,670 | 1,522 |
Average total loans | $319,207,670 | 1,366 |
2014-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5187% | 1,752 |
Cost of funding earning assets | 0.6432% | 1,628 |
Net interest margin | 3.8756% | 2,173 |
Noninterest income to average assets | 0.2177% | 5,614 |
Noninterest expense to average assets | 2.2139% | 5,427 |
Loan and lease loss provision to assets | 0.0000% | 3,817 |
Net operating income to assets | 1.0442% | 2,028 |
Return on assets (ROA) | 1.0442% | 2,103 |
Pretax return on assets | 1.6558% | 1,064 |
Return on Equity (ROE) | 9.7319% | 2,140 |
Retained earnings to average equity (ytd only) | 9.7319% | 1,038 |
Net charge-offs to loans | -0.0770% | 6,002 |
Credit loss provision to net charge-offs | 0.0000% | 2,688 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 57.0441% | 5,752 |
Assets per employee ($millions) | 6.8616% | 858 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9672% | 1,579 |
Loan loss allowance to noncurrent loans | 637.7282% | 768 |
Noncurrent assets plus other real estate owned to assets | 1.1571% | 2,950 |
Noncurrent loans to loans | 0.3085% | 5,182 |
Net loans and leases to total assets | 72.4876% | 1,498 |
Net loans and leases to deposits | 82.8213% | 1,968 |
Net loans and leases to core deposits | 104.2699% | 844 |
Total domestic deposits to total assets | 87.5230% | 2,494 |
Equity capital to assets | 10.9440% | 2,772 |
Core capital (leverage) ratio | 10.0822% | 3,452 |
Tier 1 risk-based capital ratio | 12.9917% | 5,007 |
Total risk-based capital ratio | 14.2862% | 4,914 |
Memoranda: | ||
Average total assets | $433,626,000 | 1,550 |
Average earning assets | $408,611,000 | 1,510 |
Average equity | $46,527,500 | 1,539 |
Average total loans | $316,886,500 | 1,375 |
2013-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8261% | 1,262 |
Cost of funding earning assets | 0.7932% | 1,248 |
Net interest margin | 4.0329% | 1,864 |
Noninterest income to average assets | 0.0890% | 6,426 |
Noninterest expense to average assets | 2.3710% | 5,158 |
Loan and lease loss provision to assets | 0.0415% | 4,285 |
Net operating income to assets | 0.9162% | 2,699 |
Return on assets (ROA) | 0.9162% | 2,785 |
Pretax return on assets | 1.4671% | 1,560 |
Return on Equity (ROE) | 8.0964% | 2,988 |
Retained earnings to average equity (ytd only) | 6.9858% | 1,439 |
Net charge-offs to loans | 0.0179% | 5,087 |
Credit loss provision to net charge-offs | 311.3208% | 735 |
Earnings coverage of net charge-offs (x) | 113.2453% | 421 |
Efficiency ratio | 60.7969% | 5,377 |
Assets per employee ($millions) | 7.1307% | 716 |
Cash dividends to net income (ytd only)* | 13.7174% | 3,919 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9826% | 1,596 |
Loan loss allowance to noncurrent loans | 258.3161% | 1,684 |
Noncurrent assets plus other real estate owned to assets | 1.0612% | 3,293 |
Noncurrent loans to loans | 0.7675% | 4,048 |
Net loans and leases to total assets | 70.7879% | 1,884 |
Net loans and leases to deposits | 80.5394% | 2,381 |
Net loans and leases to core deposits | 101.0316% | 1,085 |
Total domestic deposits to total assets | 87.8923% | 2,238 |
Equity capital to assets | 10.5170% | 3,132 |
Core capital (leverage) ratio | 9.6476% | 4,060 |
Tier 1 risk-based capital ratio | 12.6557% | 5,200 |
Total risk-based capital ratio | 13.9520% | 5,119 |
Memoranda: | ||
Average total assets | $397,848,600 | 1,660 |
Average earning assets | $373,946,800 | 1,615 |
Average equity | $45,020,000 | 1,552 |
Average total loans | $296,297,800 | 1,419 |
2013-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8683% | 1,200 |
Cost of funding earning assets | 0.8228% | 1,199 |
Net interest margin | 4.0456% | 1,804 |
Noninterest income to average assets | 0.1455% | 6,306 |
Noninterest expense to average assets | 2.4493% | 4,879 |
Loan and lease loss provision to assets | 0.0566% | 3,920 |
Net operating income to assets | 0.9000% | 2,835 |
Return on assets (ROA) | 0.9000% | 2,950 |
Pretax return on assets | 1.4374% | 1,807 |
Return on Equity (ROE) | 7.7997% | 3,229 |
Retained earnings to average equity (ytd only) | 7.7997% | 1,497 |
Net charge-offs to loans | -0.0174% | 6,015 |
Credit loss provision to net charge-offs | -434.2105% | 6,026 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 61.7560% | 5,170 |
Assets per employee ($millions) | 6.6140% | 885 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0637% | 1,581 |
Loan loss allowance to noncurrent loans | 265.9512% | 1,529 |
Noncurrent assets plus other real estate owned to assets | 1.0599% | 3,532 |
Noncurrent loans to loans | 0.7760% | 4,294 |
Net loans and leases to total assets | 74.3280% | 1,242 |
Net loans and leases to deposits | 84.7185% | 1,774 |
Net loans and leases to core deposits | 106.7706% | 716 |
Total domestic deposits to total assets | 87.7353% | 2,280 |
Equity capital to assets | 11.2519% | 2,508 |
Core capital (leverage) ratio | 10.0393% | 3,625 |
Tier 1 risk-based capital ratio | 12.9651% | 5,150 |
Total risk-based capital ratio | 14.2249% | 5,090 |
Memoranda: | ||
Average total assets | $388,568,250 | 1,703 |
Average earning assets | $364,769,500 | 1,660 |
Average equity | $44,838,500 | 1,577 |
Average total loans | $291,838,750 | 1,454 |
2013-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8537% | 1,209 |
Cost of funding earning assets | 0.8438% | 1,179 |
Net interest margin | 4.0099% | 1,824 |
Noninterest income to average assets | 0.1585% | 6,258 |
Noninterest expense to average assets | 2.4311% | 4,963 |
Loan and lease loss provision to assets | 0.0860% | 3,364 |
Net operating income to assets | 0.8801% | 2,904 |
Return on assets (ROA) | 0.8801% | 3,050 |
Pretax return on assets | 1.4025% | 1,921 |
Return on Equity (ROE) | 7.5606% | 3,317 |
Retained earnings to average equity (ytd only) | 7.5606% | 1,645 |
Net charge-offs to loans | -0.0474% | 6,247 |
Credit loss provision to net charge-offs | -242.6471% | 5,768 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 61.7052% | 5,213 |
Assets per employee ($millions) | 6.6436% | 852 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1612% | 1,507 |
Loan loss allowance to noncurrent loans | 256.2147% | 1,610 |
Noncurrent assets plus other real estate owned to assets | 1.1282% | 3,483 |
Noncurrent loans to loans | 0.8435% | 4,231 |
Net loans and leases to total assets | 69.7803% | 1,923 |
Net loans and leases to deposits | 79.2605% | 2,427 |
Net loans and leases to core deposits | 100.0459% | 1,076 |
Total domestic deposits to total assets | 88.0392% | 2,217 |
Equity capital to assets | 10.8418% | 2,906 |
Core capital (leverage) ratio | 10.1001% | 3,370 |
Tier 1 risk-based capital ratio | 12.9959% | 5,146 |
Total risk-based capital ratio | 14.2569% | 5,079 |
Memoranda: | ||
Average total assets | $383,607,000 | 1,727 |
Average earning assets | $359,808,670 | 1,683 |
Average equity | $44,652,670 | 1,590 |
Average total loans | $287,052,670 | 1,473 |
2013-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9456% | 982 |
Cost of funding earning assets | 0.8853% | 1,055 |
Net interest margin | 4.0603% | 1,587 |
Noninterest income to average assets | 0.1559% | 6,328 |
Noninterest expense to average assets | 2.4555% | 4,932 |
Loan and lease loss provision to assets | 0.1786% | 2,078 |
Net operating income to assets | 0.8337% | 2,990 |
Return on assets (ROA) | 0.8337% | 3,132 |
Pretax return on assets | 1.3252% | 2,139 |
Return on Equity (ROE) | 6.8981% | 3,547 |
Retained earnings to average equity (ytd only) | 6.8981% | 2,203 |
Net charge-offs to loans | -0.0226% | 5,772 |
Credit loss provision to net charge-offs | -1,031.2500% | 5,637 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 61.7446% | 5,337 |
Assets per employee ($millions) | 6.7125% | 888 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.2116% | 1,562 |
Loan loss allowance to noncurrent loans | 228.1522% | 1,684 |
Noncurrent assets plus other real estate owned to assets | 1.3416% | 3,276 |
Noncurrent loans to loans | 0.9693% | 4,194 |
Net loans and leases to total assets | 75.4182% | 910 |
Net loans and leases to deposits | 87.0743% | 1,239 |
Net loans and leases to core deposits | 114.0295% | 388 |
Total domestic deposits to total assets | 86.6136% | 3,174 |
Equity capital to assets | 12.1729% | 1,925 |
Core capital (leverage) ratio | 10.5731% | 2,682 |
Tier 1 risk-based capital ratio | 13.3000% | 5,014 |
Total risk-based capital ratio | 14.5619% | 4,958 |
Memoranda: | ||
Average total assets | $369,458,500 | 1,784 |
Average earning assets | $346,082,500 | 1,753 |
Average equity | $44,650,000 | 1,602 |
Average total loans | $283,690,500 | 1,494 |
2012-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0232% | 1,496 |
Cost of funding earning assets | 1.0627% | 1,061 |
Net interest margin | 3.9605% | 2,565 |
Noninterest income to average assets | 0.0734% | 6,609 |
Noninterest expense to average assets | 2.3874% | 5,442 |
Loan and lease loss provision to assets | 0.6172% | 882 |
Net operating income to assets | 1.4394% | 1,030 |
Return on assets (ROA) | 1.4400% | 1,151 |
Pretax return on assets | 0.7658% | 4,431 |
Return on Equity (ROE) | 12.5803% | 1,340 |
Retained earnings to average equity (ytd only) | 12.5803% | 282 |
Net charge-offs to loans | 0.9118% | 1,244 |
Credit loss provision to net charge-offs | 91.9545% | 3,395 |
Earnings coverage of net charge-offs (x) | 2.0597% | 4,383 |
Efficiency ratio | 63.0471% | 5,069 |
Assets per employee ($millions) | 6.8468% | 832 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1638% | 1,620 |
Loan loss allowance to noncurrent loans | 130.6558% | 2,659 |
Noncurrent assets plus other real estate owned to assets | 1.5598% | 3,040 |
Noncurrent loans to loans | 1.6561% | 3,141 |
Net loans and leases to total assets | 74.7934% | 1,079 |
Net loans and leases to deposits | 86.1675% | 1,495 |
Net loans and leases to core deposits | 113.3169% | 431 |
Total domestic deposits to total assets | 86.8001% | 2,933 |
Equity capital to assets | 11.9977% | 2,049 |
Core capital (leverage) ratio | 10.2786% | 3,038 |
Tier 1 risk-based capital ratio | 13.1010% | 5,035 |
Total risk-based capital ratio | 14.3621% | 4,975 |
Memoranda: | ||
Average total assets | $366,675,800 | 1,777 |
Average earning assets | $342,231,000 | 1,742 |
Average equity | $41,970,400 | 1,661 |
Average total loans | $269,905,600 | 1,539 |
2012-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0491% | 1,562 |
Cost of funding earning assets | 1.0953% | 1,076 |
Net interest margin | 3.9537% | 2,690 |
Noninterest income to average assets | 0.0765% | 6,707 |
Noninterest expense to average assets | 2.4293% | 5,309 |
Loan and lease loss provision to assets | 0.5549% | 1,036 |
Net operating income to assets | 1.7672% | 614 |
Return on assets (ROA) | 1.7672% | 679 |
Pretax return on assets | 0.7776% | 4,571 |
Return on Equity (ROE) | 15.6297% | 795 |
Retained earnings to average equity (ytd only) | 15.6297% | 205 |
Net charge-offs to loans | 0.6634% | 1,654 |
Credit loss provision to net charge-offs | 114.7702% | 2,542 |
Earnings coverage of net charge-offs (x) | 2.7558% | 3,932 |
Efficiency ratio | 64.2968% | 4,759 |
Assets per employee ($millions) | 6.7249% | 849 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.3880% | 1,382 |
Loan loss allowance to noncurrent loans | 134.6361% | 2,500 |
Noncurrent assets plus other real estate owned to assets | 1.7728% | 2,951 |
Noncurrent loans to loans | 1.7737% | 3,119 |
Net loans and leases to total assets | 71.9566% | 1,561 |
Net loans and leases to deposits | 82.8183% | 2,015 |
Net loans and leases to core deposits | 108.0502% | 649 |
Total domestic deposits to total assets | 86.8848% | 2,746 |
Equity capital to assets | 11.9004% | 2,351 |
Core capital (leverage) ratio | 10.2115% | 3,269 |
Tier 1 risk-based capital ratio | 13.2652% | 5,044 |
Total risk-based capital ratio | 14.5288% | 5,000 |
Memoranda: | ||
Average total assets | $365,912,500 | 1,799 |
Average earning assets | $341,070,750 | 1,768 |
Average equity | $41,373,250 | 1,697 |
Average total loans | $266,719,750 | 1,562 |
2012-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0667% | 1,606 |
Cost of funding earning assets | 1.1101% | 1,177 |
Net interest margin | 3.9566% | 2,692 |
Noninterest income to average assets | 0.0461% | 6,871 |
Noninterest expense to average assets | 2.4559% | 5,277 |
Loan and lease loss provision to assets | 0.5941% | 1,009 |
Net operating income to assets | 2.3555% | 219 |
Return on assets (ROA) | 2.3555% | 253 |
Pretax return on assets | 0.6797% | 4,890 |
Return on Equity (ROE) | 21.2090% | 281 |
Retained earnings to average equity (ytd only) | 21.2090% | 83 |
Net charge-offs to loans | 0.5802% | 1,868 |
Credit loss provision to net charge-offs | 141.0156% | 1,961 |
Earnings coverage of net charge-offs (x) | 3.0234% | 3,538 |
Efficiency ratio | 65.5685% | 4,607 |
Assets per employee ($millions) | 6.8488% | 786 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.4936% | 1,292 |
Loan loss allowance to noncurrent loans | 108.0156% | 2,995 |
Noncurrent assets plus other real estate owned to assets | 2.0471% | 2,726 |
Noncurrent loans to loans | 2.3086% | 2,593 |
Net loans and leases to total assets | 70.0986% | 1,903 |
Net loans and leases to deposits | 80.4120% | 2,329 |
Net loans and leases to core deposits | 106.3054% | 729 |
Total domestic deposits to total assets | 87.1743% | 2,672 |
Equity capital to assets | 11.7133% | 2,398 |
Core capital (leverage) ratio | 10.3289% | 3,014 |
Tier 1 risk-based capital ratio | 13.3263% | 4,949 |
Total risk-based capital ratio | 14.5910% | 4,897 |
Memoranda: | ||
Average total assets | $364,593,670 | 1,811 |
Average earning assets | $339,429,000 | 1,771 |
Average equity | $40,492,330 | 1,725 |
Average total loans | $264,741,000 | 1,578 |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0574% | 1,700 |
Cost of funding earning assets | 1.1415% | 1,208 |
Net interest margin | 3.9159% | 2,855 |
Noninterest income to average assets | 0.0796% | 6,826 |
Noninterest expense to average assets | 2.4764% | 5,229 |
Loan and lease loss provision to assets | 0.7106% | 731 |
Net operating income to assets | 0.5282% | 4,696 |
Return on assets (ROA) | 0.5282% | 4,908 |
Pretax return on assets | 0.5282% | 5,341 |
Return on Equity (ROE) | 4.8927% | 4,836 |
Retained earnings to average equity (ytd only) | 4.8927% | 3,616 |
Net charge-offs to loans | 0.7086% | 1,410 |
Credit loss provision to net charge-offs | 137.3932% | 1,791 |
Earnings coverage of net charge-offs (x) | 2.3953% | 3,220 |
Efficiency ratio | 66.3593% | 4,491 |
Assets per employee ($millions) | 6.8277% | 825 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.4874% | 1,376 |
Loan loss allowance to noncurrent loans | 105.0672% | 2,937 |
Noncurrent assets plus other real estate owned to assets | 2.2920% | 2,596 |
Noncurrent loans to loans | 2.3674% | 2,736 |
Net loans and leases to total assets | 70.3100% | 1,707 |
Net loans and leases to deposits | 80.0913% | 2,192 |
Net loans and leases to core deposits | 109.3462% | 555 |
Total domestic deposits to total assets | 87.7873% | 2,474 |
Equity capital to assets | 10.8805% | 3,048 |
Core capital (leverage) ratio | 9.6839% | 3,789 |
Tier 1 risk-based capital ratio | 12.8731% | 5,301 |
Total risk-based capital ratio | 14.1381% | 5,270 |
Memoranda: | ||
Average total assets | $361,973,000 | 1,828 |
Average earning assets | $336,063,500 | 1,795 |
Average equity | $39,078,500 | 1,774 |
Average total loans | $264,172,000 | 1,583 |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2037% | 2,043 |
Cost of funding earning assets | 1.2041% | 2,001 |
Net interest margin | 3.9996% | 2,877 |
Noninterest income to average assets | 0.0478% | 6,843 |
Noninterest expense to average assets | 2.4084% | 5,751 |
Loan and lease loss provision to assets | 1.1947% | 737 |
Net operating income to assets | 0.1794% | 5,646 |
Return on assets (ROA) | 0.2125% | 5,691 |
Pretax return on assets | 0.2125% | 5,751 |
Return on Equity (ROE) | 2.0087% | 5,657 |
Retained earnings to average equity (ytd only) | 2.0087% | 4,783 |
Net charge-offs to loans | 1.6113% | 980 |
Credit loss provision to net charge-offs | 97.9029% | 3,670 |
Earnings coverage of net charge-offs (x) | 1.1261% | 4,945 |
Efficiency ratio | 63.3843% | 5,233 |
Assets per employee ($millions) | 6.9630% | 753 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.3614% | 1,522 |
Loan loss allowance to noncurrent loans | 96.2066% | 3,139 |
Noncurrent assets plus other real estate owned to assets | 2.5550% | 2,375 |
Noncurrent loans to loans | 2.4545% | 2,678 |
Net loans and leases to total assets | 72.1142% | 1,629 |
Net loans and leases to deposits | 82.4549% | 2,137 |
Net loans and leases to core deposits | 113.9005% | 506 |
Total domestic deposits to total assets | 87.4590% | 2,493 |
Equity capital to assets | 10.7115% | 3,291 |
Core capital (leverage) ratio | 9.3932% | 4,191 |
Tier 1 risk-based capital ratio | 12.5950% | 5,371 |
Total risk-based capital ratio | 13.8587% | 5,355 |
Memoranda: | ||
Average total assets | $359,498,600 | 1,803 |
Average earning assets | $335,681,000 | 1,766 |
Average equity | $38,034,400 | 1,772 |
Average total loans | $272,267,400 | 1,551 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2032% | 2,195 |
Cost of funding earning assets | 1.2050% | 2,288 |
Net interest margin | 3.9981% | 2,918 |
Noninterest income to average assets | 0.0163% | 7,060 |
Noninterest expense to average assets | 2.4641% | 5,577 |
Loan and lease loss provision to assets | 1.1314% | 716 |
Net operating income to assets | 0.1549% | 5,820 |
Return on assets (ROA) | 0.1750% | 5,886 |
Pretax return on assets | 0.1750% | 5,939 |
Return on Equity (ROE) | 1.6593% | 5,883 |
Retained earnings to average equity (ytd only) | 1.6593% | 5,308 |
Net charge-offs to loans | 1.7590% | 771 |
Credit loss provision to net charge-offs | 84.3958% | 3,989 |
Earnings coverage of net charge-offs (x) | 0.9595% | 4,905 |
Efficiency ratio | 65.4151% | 4,823 |
Assets per employee ($millions) | 7.1132% | 698 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1046% | 2,056 |
Loan loss allowance to noncurrent loans | 83.3191% | 3,442 |
Noncurrent assets plus other real estate owned to assets | 3.1637% | 2,021 |
Noncurrent loans to loans | 2.5259% | 2,744 |
Net loans and leases to total assets | 73.4921% | 1,413 |
Net loans and leases to deposits | 83.7589% | 2,038 |
Net loans and leases to core deposits | 120.3969% | 377 |
Total domestic deposits to total assets | 87.7424% | 2,200 |
Equity capital to assets | 10.3864% | 3,849 |
Core capital (leverage) ratio | 9.2861% | 4,471 |
Tier 1 risk-based capital ratio | 11.9013% | 5,959 |
Total risk-based capital ratio | 13.1618% | 5,938 |
Memoranda: | ||
Average total assets | $358,854,000 | 1,815 |
Average earning assets | $335,147,250 | 1,780 |
Average equity | $37,847,000 | 1,783 |
Average total loans | $273,478,250 | 1,562 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2300% | 2,146 |
Cost of funding earning assets | 1.2088% | 2,516 |
Net interest margin | 4.0212% | 2,738 |
Noninterest income to average assets | 0.0270% | 7,128 |
Noninterest expense to average assets | 2.5362% | 5,416 |
Loan and lease loss provision to assets | 1.0699% | 782 |
Net operating income to assets | 0.1729% | 5,824 |
Return on assets (ROA) | 0.1993% | 5,859 |
Pretax return on assets | 0.1993% | 5,935 |
Return on Equity (ROE) | 1.8801% | 5,829 |
Retained earnings to average equity (ytd only) | 1.8801% | 5,039 |
Net charge-offs to loans | 1.6936% | 855 |
Credit loss provision to net charge-offs | 82.4653% | 3,698 |
Earnings coverage of net charge-offs (x) | 0.9579% | 4,584 |
Efficiency ratio | 66.8306% | 4,720 |
Assets per employee ($millions) | 7.2135% | 654 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1917% | 1,939 |
Loan loss allowance to noncurrent loans | 159.1042% | 1,867 |
Noncurrent assets plus other real estate owned to assets | 3.3889% | 1,948 |
Noncurrent loans to loans | 1.3775% | 4,347 |
Net loans and leases to total assets | 74.2774% | 1,363 |
Net loans and leases to deposits | 84.6989% | 1,992 |
Net loans and leases to core deposits | 126.8478% | 304 |
Total domestic deposits to total assets | 87.6958% | 2,343 |
Equity capital to assets | 10.5289% | 3,468 |
Core capital (leverage) ratio | 9.5346% | 3,901 |
Tier 1 risk-based capital ratio | 11.8235% | 5,920 |
Total risk-based capital ratio | 13.0844% | 5,890 |
Memoranda: | ||
Average total assets | $355,176,670 | 1,844 |
Average earning assets | $331,396,000 | 1,803 |
Average equity | $37,656,670 | 1,782 |
Average total loans | $272,077,330 | 1,590 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2544% | 2,030 |
Cost of funding earning assets | 1.2120% | 2,734 |
Net interest margin | 4.0424% | 2,499 |
Noninterest income to average assets | 0.0148% | 7,264 |
Noninterest expense to average assets | 2.5583% | 5,361 |
Loan and lease loss provision to assets | 1.0499% | 715 |
Net operating income to assets | 0.1884% | 5,824 |
Return on assets (ROA) | 0.2281% | 5,754 |
Pretax return on assets | 0.2281% | 5,878 |
Return on Equity (ROE) | 2.1441% | 5,734 |
Retained earnings to average equity (ytd only) | 2.1441% | 4,855 |
Net charge-offs to loans | 1.3807% | 996 |
Credit loss provision to net charge-offs | 98.8248% | 2,765 |
Earnings coverage of net charge-offs (x) | 1.1656% | 3,783 |
Efficiency ratio | 67.0852% | 4,833 |
Assets per employee ($millions) | 7.3715% | 617 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.3858% | 1,622 |
Loan loss allowance to noncurrent loans | 109.6144% | 2,647 |
Noncurrent assets plus other real estate owned to assets | 3.5327% | 1,930 |
Noncurrent loans to loans | 2.1765% | 3,346 |
Net loans and leases to total assets | 73.9598% | 1,351 |
Net loans and leases to deposits | 83.8162% | 2,059 |
Net loans and leases to core deposits | 128.6691% | 285 |
Total domestic deposits to total assets | 88.2405% | 2,234 |
Equity capital to assets | 10.6143% | 3,067 |
Core capital (leverage) ratio | 9.6066% | 3,654 |
Tier 1 risk-based capital ratio | 11.9692% | 5,724 |
Total risk-based capital ratio | 13.2325% | 5,693 |
Memoranda: | ||
Average total assets | $352,427,500 | 1,872 |
Average earning assets | $329,705,500 | 1,817 |
Average equity | $37,497,500 | 1,773 |
Average total loans | $271,164,500 | 1,618 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2688% | 3,280 |
Cost of funding earning assets | 1.4131% | 3,182 |
Net interest margin | 3.8557% | 3,710 |
Noninterest income to average assets | -0.0358% | 7,343 |
Noninterest expense to average assets | 2.1903% | 6,646 |
Loan and lease loss provision to assets | 1.1539% | 1,374 |
Net operating income to assets | 0.2577% | 5,089 |
Return on assets (ROA) | 0.1023% | 5,722 |
Pretax return on assets | 0.1023% | 5,696 |
Return on Equity (ROE) | 0.9801% | 5,702 |
Retained earnings to average equity (ytd only) | 0.9801% | 5,054 |
Net charge-offs to loans | 0.6913% | 2,934 |
Credit loss provision to net charge-offs | 214.7429% | 1,408 |
Earnings coverage of net charge-offs (x) | 2.6270% | 3,789 |
Efficiency ratio | 60.5041% | 5,968 |
Assets per employee ($millions) | 7.8005% | 522 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.3363% | 1,637 |
Loan loss allowance to noncurrent loans | 89.9481% | 3,174 |
Noncurrent assets plus other real estate owned to assets | 2.7181% | 2,568 |
Noncurrent loans to loans | 2.5974% | 2,932 |
Net loans and leases to total assets | 76.3006% | 1,224 |
Net loans and leases to deposits | 86.4811% | 2,005 |
Net loans and leases to core deposits | 134.8032% | 272 |
Total domestic deposits to total assets | 88.2281% | 2,107 |
Equity capital to assets | 10.6655% | 3,001 |
Core capital (leverage) ratio | 9.5070% | 3,699 |
Tier 1 risk-based capital ratio | 11.6590% | 5,763 |
Total risk-based capital ratio | 12.9218% | 5,755 |
Memoranda: | ||
Average total assets | $354,699,000 | 1,841 |
Average earning assets | $334,651,200 | 1,782 |
Average equity | $37,038,400 | 1,789 |
Average total loans | $275,730,800 | 1,620 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2587% | 3,538 |
Cost of funding earning assets | 1.4376% | 3,349 |
Net interest margin | 3.8212% | 3,878 |
Noninterest income to average assets | -0.0559% | 7,503 |
Noninterest expense to average assets | 2.2814% | 6,385 |
Loan and lease loss provision to assets | 0.8859% | 1,716 |
Net operating income to assets | 0.3824% | 4,825 |
Return on assets (ROA) | 0.1383% | 5,828 |
Pretax return on assets | 0.1383% | 5,853 |
Return on Equity (ROE) | 1.3319% | 5,810 |
Retained earnings to average equity (ytd only) | 1.3319% | 5,276 |
Net charge-offs to loans | 0.4578% | 3,461 |
Credit loss provision to net charge-offs | 249.2616% | 1,343 |
Earnings coverage of net charge-offs (x) | 3.5686% | 3,394 |
Efficiency ratio | 63.9628% | 5,246 |
Assets per employee ($millions) | 7.6394% | 585 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0616% | 2,082 |
Loan loss allowance to noncurrent loans | 229.2514% | 1,276 |
Noncurrent assets plus other real estate owned to assets | 1.3659% | 4,441 |
Noncurrent loans to loans | 0.8993% | 5,445 |
Net loans and leases to total assets | 76.1788% | 1,371 |
Net loans and leases to deposits | 86.6372% | 2,212 |
Net loans and leases to core deposits | 136.1649% | 298 |
Total domestic deposits to total assets | 87.9285% | 2,004 |
Equity capital to assets | 10.8018% | 3,166 |
Core capital (leverage) ratio | 9.3507% | 4,133 |
Tier 1 risk-based capital ratio | 11.6280% | 5,810 |
Total risk-based capital ratio | 12.8874% | 5,777 |
Memoranda: | ||
Average total assets | $355,618,500 | 1,860 |
Average earning assets | $335,560,250 | 1,803 |
Average equity | $36,938,500 | 1,810 |
Average total loans | $276,104,000 | 1,642 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2063% | 3,922 |
Cost of funding earning assets | 1.4302% | 3,668 |
Net interest margin | 3.7760% | 4,014 |
Noninterest income to average assets | -0.0134% | 7,556 |
Noninterest expense to average assets | 2.2324% | 6,563 |
Loan and lease loss provision to assets | 0.8672% | 1,676 |
Net operating income to assets | 0.4543% | 4,532 |
Return on assets (ROA) | 0.0532% | 6,085 |
Pretax return on assets | 0.0532% | 6,065 |
Return on Equity (ROE) | 0.5191% | 6,078 |
Retained earnings to average equity (ytd only) | 0.5191% | 5,554 |
Net charge-offs to loans | 0.2123% | 4,339 |
Credit loss provision to net charge-offs | 526.5306% | 701 |
Earnings coverage of net charge-offs (x) | 8.0238% | 2,202 |
Efficiency ratio | 62.5158% | 5,611 |
Assets per employee ($millions) | 7.2850% | 672 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9889% | 2,215 |
Loan loss allowance to noncurrent loans | 211.4330% | 1,332 |
Noncurrent assets plus other real estate owned to assets | 1.6940% | 3,900 |
Noncurrent loans to loans | 0.9407% | 5,416 |
Net loans and leases to total assets | 75.5696% | 1,578 |
Net loans and leases to deposits | 85.5247% | 2,593 |
Net loans and leases to core deposits | 140.0091% | 288 |
Total domestic deposits to total assets | 88.3599% | 1,800 |
Equity capital to assets | 10.4797% | 3,435 |
Core capital (leverage) ratio | 9.2703% | 4,173 |
Tier 1 risk-based capital ratio | 11.4460% | 5,828 |
Total risk-based capital ratio | 12.7043% | 5,791 |
Memoranda: | ||
Average total assets | $357,020,000 | 1,876 |
Average earning assets | $337,284,330 | 1,814 |
Average equity | $36,598,330 | 1,816 |
Average total loans | $277,026,000 | 1,651 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1677% | 4,210 |
Cost of funding earning assets | 1.4388% | 3,939 |
Net interest margin | 3.7289% | 4,103 |
Noninterest income to average assets | -0.1378% | 7,773 |
Noninterest expense to average assets | 2.1420% | 6,833 |
Loan and lease loss provision to assets | 0.5770% | 2,185 |
Net operating income to assets | 0.6767% | 3,541 |
Return on assets (ROA) | 0.0986% | 6,128 |
Pretax return on assets | 0.0986% | 6,136 |
Return on Equity (ROE) | 0.9726% | 6,123 |
Retained earnings to average equity (ytd only) | 0.9726% | 5,427 |
Net charge-offs to loans | 0.2965% | 3,229 |
Credit loss provision to net charge-offs | 250.0000% | 1,539 |
Earnings coverage of net charge-offs (x) | 5.4320% | 2,400 |
Efficiency ratio | 62.7516% | 5,696 |
Assets per employee ($millions) | 7.7809% | 564 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6400% | 3,290 |
Loan loss allowance to noncurrent loans | 304.9832% | 984 |
Noncurrent assets plus other real estate owned to assets | 1.5213% | 4,219 |
Noncurrent loans to loans | 0.5377% | 6,215 |
Net loans and leases to total assets | 75.8901% | 1,565 |
Net loans and leases to deposits | 87.2857% | 2,359 |
Net loans and leases to core deposits | 147.0987% | 260 |
Total domestic deposits to total assets | 86.9444% | 2,660 |
Equity capital to assets | 10.1905% | 3,625 |
Core capital (leverage) ratio | 9.1061% | 4,366 |
Tier 1 risk-based capital ratio | 11.0174% | 6,138 |
Total risk-based capital ratio | 12.2712% | 6,109 |
Memoranda: | ||
Average total assets | $357,047,500 | 1,921 |
Average earning assets | $338,331,500 | 1,846 |
Average equity | $36,193,000 | 1,854 |
Average total loans | $277,923,500 | 1,692 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1672% | 5,802 |
Cost of funding earning assets | 1.9678% | 3,111 |
Net interest margin | 3.1994% | 6,097 |
Noninterest income to average assets | 0.0798% | 7,353 |
Noninterest expense to average assets | 2.3252% | 6,673 |
Loan and lease loss provision to assets | 0.5899% | 3,435 |
Net operating income to assets | 0.2341% | 4,786 |
Return on assets (ROA) | -0.1943% | 5,832 |
Pretax return on assets | -0.1943% | 5,699 |
Return on Equity (ROE) | -1.8840% | 5,841 |
Retained earnings to average equity (ytd only) | -1.8840% | 5,491 |
Net charge-offs to loans | 0.3349% | 4,564 |
Credit loss provision to net charge-offs | 220.2009% | 1,712 |
Earnings coverage of net charge-offs (x) | 3.0759% | 3,530 |
Efficiency ratio | 73.4644% | 4,003 |
Assets per employee ($millions) | 8.0948% | 492 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5088% | 3,672 |
Loan loss allowance to noncurrent loans | 144.3228% | 1,980 |
Noncurrent assets plus other real estate owned to assets | 1.5815% | 4,007 |
Noncurrent loans to loans | 1.0454% | 5,227 |
Net loans and leases to total assets | 77.3418% | 1,513 |
Net loans and leases to deposits | 89.3174% | 2,333 |
Net loans and leases to core deposits | 106.3242% | 3,298 |
Total domestic deposits to total assets | 86.5922% | 2,706 |
Equity capital to assets | 10.0828% | 3,645 |
Core capital (leverage) ratio | 9.0097% | 4,400 |
Tier 1 risk-based capital ratio | 10.4486% | 6,450 |
Total risk-based capital ratio | 11.7003% | 6,417 |
Memoranda: | ||
Average total assets | $334,465,200 | 2,029 |
Average earning assets | $320,868,600 | 1,943 |
Average equity | $34,501,600 | 1,950 |
Average total loans | $267,570,800 | 1,793 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0864% | 6,314 |
Cost of funding earning assets | 2.1243% | 2,776 |
Net interest margin | 2.9622% | 6,701 |
Noninterest income to average assets | 0.0713% | 7,559 |
Noninterest expense to average assets | 2.4122% | 6,381 |
Loan and lease loss provision to assets | 0.5649% | 3,127 |
Net operating income to assets | -0.0579% | 5,821 |
Return on assets (ROA) | -0.3197% | 6,239 |
Pretax return on assets | -0.3197% | 6,118 |
Return on Equity (ROE) | -3.0805% | 6,256 |
Retained earnings to average equity (ytd only) | -3.0805% | 5,953 |
Net charge-offs to loans | 0.3085% | 4,107 |
Credit loss provision to net charge-offs | 227.7778% | 1,913 |
Earnings coverage of net charge-offs (x) | 2.0441% | 4,288 |
Efficiency ratio | 82.2321% | 2,552 |
Assets per employee ($millions) | 7.9129% | 532 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3977% | 3,959 |
Loan loss allowance to noncurrent loans | 201.1789% | 1,468 |
Noncurrent assets plus other real estate owned to assets | 0.9050% | 5,264 |
Noncurrent loans to loans | 0.6948% | 5,914 |
Net loans and leases to total assets | 79.5266% | 1,282 |
Net loans and leases to deposits | 92.0673% | 2,218 |
Net loans and leases to core deposits | 105.3664% | 3,773 |
Total domestic deposits to total assets | 86.3787% | 2,490 |
Equity capital to assets | 10.2479% | 3,792 |
Core capital (leverage) ratio | 9.2077% | 4,323 |
Tier 1 risk-based capital ratio | 10.3403% | 6,633 |
Total risk-based capital ratio | 11.5910% | 6,576 |
Memoranda: | ||
Average total assets | $329,038,500 | 2,075 |
Average earning assets | $316,336,500 | 1,990 |
Average equity | $34,149,000 | 1,990 |
Average total loans | $264,541,000 | 1,823 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0709% | 6,542 |
Cost of funding earning assets | 2.3144% | 2,296 |
Net interest margin | 2.7564% | 7,095 |
Noninterest income to average assets | 0.0669% | 7,651 |
Noninterest expense to average assets | 2.5060% | 6,104 |
Loan and lease loss provision to assets | 0.4971% | 3,052 |
Net operating income to assets | -0.2845% | 6,314 |
Return on assets (ROA) | -0.5541% | 6,610 |
Pretax return on assets | -0.5541% | 6,479 |
Return on Equity (ROE) | -5.3153% | 6,643 |
Retained earnings to average equity (ytd only) | -5.3153% | 6,349 |
Net charge-offs to loans | 0.2308% | 4,054 |
Credit loss provision to net charge-offs | 268.2274% | 1,738 |
Earnings coverage of net charge-offs (x) | 1.1472% | 4,664 |
Efficiency ratio | 91.7465% | 1,660 |
Assets per employee ($millions) | 7.5085% | 612 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3448% | 4,011 |
Loan loss allowance to noncurrent loans | 110.5518% | 2,656 |
Noncurrent assets plus other real estate owned to assets | 1.1412% | 4,667 |
Noncurrent loans to loans | 1.2165% | 4,780 |
Net loans and leases to total assets | 79.1588% | 1,487 |
Net loans and leases to deposits | 88.7308% | 3,047 |
Net loans and leases to core deposits | 105.1704% | 3,938 |
Total domestic deposits to total assets | 89.2122% | 1,163 |
Equity capital to assets | 10.2663% | 3,647 |
Core capital (leverage) ratio | 9.5936% | 3,770 |
Tier 1 risk-based capital ratio | 10.7353% | 6,152 |
Total risk-based capital ratio | 11.9854% | 6,091 |
Memoranda: | ||
Average total assets | $322,661,670 | 2,133 |
Average earning assets | $310,400,330 | 2,054 |
Average equity | $33,638,670 | 2,019 |
Average total loans | $259,117,330 | 1,893 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0188% | 6,883 |
Cost of funding earning assets | 2.5616% | 1,692 |
Net interest margin | 2.4573% | 7,552 |
Noninterest income to average assets | 0.0863% | 7,623 |
Noninterest expense to average assets | 2.4834% | 5,905 |
Loan and lease loss provision to assets | 0.6094% | 2,065 |
Net operating income to assets | -0.6437% | 7,003 |
Return on assets (ROA) | -1.1833% | 7,369 |
Pretax return on assets | -1.1833% | 7,248 |
Return on Equity (ROE) | -11.2581% | 7,437 |
Retained earnings to average equity (ytd only) | -11.2581% | 7,222 |
Net charge-offs to loans | 0.4441% | 2,337 |
Credit loss provision to net charge-offs | 170.8185% | 2,509 |
Earnings coverage of net charge-offs (x) | -0.0961% | 5,071 |
Efficiency ratio | 100.8813% | 1,096 |
Assets per employee ($millions) | 7.4814% | 631 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2733% | 4,254 |
Loan loss allowance to noncurrent loans | 120.2591% | 2,599 |
Noncurrent assets plus other real estate owned to assets | 1.0295% | 4,638 |
Noncurrent loans to loans | 1.0588% | 4,870 |
Net loans and leases to total assets | 78.7188% | 1,641 |
Net loans and leases to deposits | 88.4130% | 3,214 |
Net loans and leases to core deposits | 102.0977% | 4,336 |
Total domestic deposits to total assets | 89.0352% | 1,218 |
Equity capital to assets | 10.4255% | 3,539 |
Core capital (leverage) ratio | 9.8710% | 3,560 |
Tier 1 risk-based capital ratio | 10.9507% | 5,944 |
Total risk-based capital ratio | 12.1357% | 5,916 |
Memoranda: | ||
Average total assets | $315,051,000 | 2,184 |
Average earning assets | $302,940,000 | 2,106 |
Average equity | $33,114,000 | 2,045 |
Average total loans | $253,121,000 | 1,944 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.9879% | 5,606 |
Cost of funding earning assets | 3.0413% | 1,712 |
Net interest margin | 2.9465% | 7,043 |
Noninterest income to average assets | 0.0370% | 7,953 |
Noninterest expense to average assets | 3.1334% | 3,572 |
Loan and lease loss provision to assets | 0.9051% | 1,652 |
Net operating income to assets | -1.1902% | 7,341 |
Return on assets (ROA) | -1.3803% | 7,363 |
Pretax return on assets | -1.3803% | 7,201 |
Return on Equity (ROE) | -9.0790% | 7,205 |
Retained earnings to average equity (ytd only) | -9.0790% | 6,976 |
Net charge-offs to loans | 0.0994% | 5,324 |
Credit loss provision to net charge-offs | 1,186.2275% | 379 |
Earnings coverage of net charge-offs (x) | -3.7365% | 6,798 |
Efficiency ratio | 109.3359% | 725 |
Assets per employee ($millions) | 6.6871% | 816 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2893% | 3,864 |
Loan loss allowance to noncurrent loans | 360.0229% | 1,144 |
Noncurrent assets plus other real estate owned to assets | 0.6537% | 5,260 |
Noncurrent loans to loans | 0.3581% | 6,293 |
Net loans and leases to total assets | 79.9644% | 1,670 |
Net loans and leases to deposits | 90.1293% | 3,430 |
Net loans and leases to core deposits | 99.0589% | 4,923 |
Total domestic deposits to total assets | 88.7219% | 1,139 |
Equity capital to assets | 10.6038% | 3,382 |
Core capital (leverage) ratio | 10.6492% | 2,860 |
Tier 1 risk-based capital ratio | 10.9323% | 5,788 |
Total risk-based capital ratio | 12.1328% | 5,744 |
Memoranda: | ||
Average total assets | $218,865,800 | 2,888 |
Average earning assets | $208,822,200 | 2,788 |
Average equity | $33,274,600 | 2,031 |
Average total loans | $168,084,800 | 2,640 |