Home > Big Sky Western Bank > Performance and Condition Ratios
Big Sky Western Bank, Performance and Condition Ratios
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 | 4.2513% | 4,920 |
Cost of funding earning assets | 0.3700% | 6,553 |
Net interest margin | 3.8813% | 3,001 |
Noninterest income to average assets | 0.4986% | 3,918 |
Noninterest expense to average assets | 2.3076% | 5,749 |
Loan and lease loss provision to assets | 0.8346% | 567 |
Net operating income to assets | 0.6259% | 4,236 |
Return on assets (ROA) | 0.6259% | 4,446 |
Pretax return on assets | 0.8690% | 4,159 |
Return on Equity (ROE) | 3.5452% | 5,492 |
Retained earnings to average equity (ytd only) | -0.8863% | 6,138 |
Net charge-offs to loans | 2.8903% | 256 |
Credit loss provision to net charge-offs | 48.9297% | 3,307 |
Earnings coverage of net charge-offs (x) | 0.9988% | 3,829 |
Efficiency ratio | 57.5293% | 5,971 |
Assets per employee ($millions) | 4.3262% | 3,340 |
Cash dividends to net income (ytd only)* | 125.0000% | 403 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.6005% | 498 |
Loan loss allowance to noncurrent loans | 91.6524% | 3,290 |
Noncurrent assets plus other real estate owned to assets | 4.3275% | 1,247 |
Noncurrent loans to loans | 3.9284% | 1,565 |
Net loans and leases to total assets | 56.4453% | 4,305 |
Net loans and leases to deposits | 95.0315% | 600 |
Net loans and leases to core deposits | 109.8878% | 538 |
Total domestic deposits to total assets | 59.3964% | 7,200 |
Equity capital to assets | 17.7938% | 353 |
Core capital (leverage) ratio | 17.4764% | 323 |
Tier 1 risk-based capital ratio | 24.6511% | 937 |
Total risk-based capital ratio | 25.9234% | 924 |
Memoranda: | ||
Average total assets | $383,436,000 | 1,728 |
Average earning assets | $346,998,000 | 1,742 |
Average equity | $67,697,000 | 1,036 |
Average total loans | $226,277,500 | 1,816 |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6278% | 4,555 |
Cost of funding earning assets | 0.4712% | 6,649 |
Net interest margin | 4.1566% | 2,208 |
Noninterest income to average assets | 0.7113% | 2,542 |
Noninterest expense to average assets | 2.4431% | 5,655 |
Loan and lease loss provision to assets | 0.6284% | 1,627 |
Net operating income to assets | 0.9958% | 2,211 |
Return on assets (ROA) | 0.9958% | 2,359 |
Pretax return on assets | 1.3855% | 1,824 |
Return on Equity (ROE) | 5.5890% | 4,086 |
Retained earnings to average equity (ytd only) | 4.0882% | 3,280 |
Net charge-offs to loans | 1.4420% | 1,127 |
Credit loss provision to net charge-offs | 68.0568% | 4,928 |
Earnings coverage of net charge-offs (x) | 2.1810% | 4,152 |
Efficiency ratio | 54.7849% | 6,444 |
Assets per employee ($millions) | 4.3390% | 3,184 |
Cash dividends to net income (ytd only)* | 26.8528% | 3,242 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.8582% | 418 |
Loan loss allowance to noncurrent loans | 76.7232% | 3,785 |
Noncurrent assets plus other real estate owned to assets | 5.0196% | 1,060 |
Noncurrent loans to loans | 5.0288% | 1,119 |
Net loans and leases to total assets | 57.1719% | 4,519 |
Net loans and leases to deposits | 99.6556% | 477 |
Net loans and leases to core deposits | 113.0362% | 538 |
Total domestic deposits to total assets | 57.3695% | 7,256 |
Equity capital to assets | 17.5188% | 381 |
Core capital (leverage) ratio | 17.3257% | 343 |
Tier 1 risk-based capital ratio | 24.1535% | 952 |
Total risk-based capital ratio | 25.4286% | 939 |
Memoranda: | ||
Average total assets | $373,956,200 | 1,740 |
Average earning assets | $336,986,000 | 1,761 |
Average equity | $66,630,400 | 1,008 |
Average total loans | $239,462,600 | 1,747 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7140% | 4,389 |
Cost of funding earning assets | 0.4916% | 6,731 |
Net interest margin | 4.2224% | 2,013 |
Noninterest income to average assets | 0.6571% | 2,839 |
Noninterest expense to average assets | 2.4175% | 5,715 |
Loan and lease loss provision to assets | 0.7549% | 1,259 |
Net operating income to assets | 0.9548% | 2,509 |
Return on assets (ROA) | 0.9548% | 2,674 |
Pretax return on assets | 1.2855% | 2,338 |
Return on Equity (ROE) | 5.3352% | 4,380 |
Retained earnings to average equity (ytd only) | 5.3352% | 2,963 |
Net charge-offs to loans | 1.7526% | 775 |
Credit loss provision to net charge-offs | 66.0377% | 4,605 |
Earnings coverage of net charge-offs (x) | 1.7849% | 4,319 |
Efficiency ratio | 54.1892% | 6,470 |
Assets per employee ($millions) | 4.5691% | 2,812 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.8284% | 449 |
Loan loss allowance to noncurrent loans | 74.2375% | 3,800 |
Noncurrent assets plus other real estate owned to assets | 5.4032% | 1,038 |
Noncurrent loans to loans | 5.1570% | 1,186 |
Net loans and leases to total assets | 58.1464% | 4,486 |
Net loans and leases to deposits | 104.2948% | 307 |
Net loans and leases to core deposits | 118.4152% | 432 |
Total domestic deposits to total assets | 55.7520% | 7,336 |
Equity capital to assets | 17.7915% | 418 |
Core capital (leverage) ratio | 17.8001% | 340 |
Tier 1 risk-based capital ratio | 23.8572% | 1,026 |
Total risk-based capital ratio | 25.1318% | 1,009 |
Memoranda: | ||
Average total assets | $370,903,500 | 1,757 |
Average earning assets | $333,861,500 | 1,787 |
Average equity | $66,375,000 | 1,020 |
Average total loans | $241,918,500 | 1,746 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8219% | 3,993 |
Cost of funding earning assets | 0.5128% | 6,804 |
Net interest margin | 4.3091% | 1,620 |
Noninterest income to average assets | 0.7600% | 2,208 |
Noninterest expense to average assets | 2.4915% | 5,577 |
Loan and lease loss provision to assets | 0.7092% | 1,329 |
Net operating income to assets | 1.0796% | 1,936 |
Return on assets (ROA) | 1.0796% | 2,032 |
Pretax return on assets | 1.4283% | 1,729 |
Return on Equity (ROE) | 6.0208% | 3,963 |
Retained earnings to average equity (ytd only) | 6.0208% | 2,416 |
Net charge-offs to loans | 1.5595% | 941 |
Credit loss provision to net charge-offs | 67.9916% | 4,113 |
Earnings coverage of net charge-offs (x) | 2.0492% | 3,832 |
Efficiency ratio | 53.7655% | 6,641 |
Assets per employee ($millions) | 4.2988% | 3,168 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.9295% | 437 |
Loan loss allowance to noncurrent loans | 71.9163% | 3,862 |
Noncurrent assets plus other real estate owned to assets | 5.7809% | 994 |
Noncurrent loans to loans | 5.4640% | 1,160 |
Net loans and leases to total assets | 61.1350% | 4,066 |
Net loans and leases to deposits | 109.8391% | 180 |
Net loans and leases to core deposits | 125.9398% | 314 |
Total domestic deposits to total assets | 55.6587% | 7,404 |
Equity capital to assets | 17.9279% | 386 |
Core capital (leverage) ratio | 17.7948% | 352 |
Tier 1 risk-based capital ratio | 23.5350% | 1,056 |
Total risk-based capital ratio | 24.8118% | 1,038 |
Memoranda: | ||
Average total assets | $366,602,330 | 1,784 |
Average earning assets | $329,167,670 | 1,812 |
Average equity | $65,738,330 | 1,026 |
Average total loans | $245,206,670 | 1,739 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8465% | 3,840 |
Cost of funding earning assets | 0.5254% | 6,882 |
Net interest margin | 4.3211% | 1,506 |
Noninterest income to average assets | 0.8156% | 1,968 |
Noninterest expense to average assets | 2.3488% | 6,053 |
Loan and lease loss provision to assets | 0.7164% | 1,182 |
Net operating income to assets | 1.0614% | 1,971 |
Return on assets (ROA) | 1.0614% | 2,021 |
Pretax return on assets | 1.6302% | 1,128 |
Return on Equity (ROE) | 5.9186% | 3,952 |
Retained earnings to average equity (ytd only) | 5.9186% | 2,686 |
Net charge-offs to loans | 0.0997% | 3,953 |
Credit loss provision to net charge-offs | 1,048.3871% | 367 |
Earnings coverage of net charge-offs (x) | 34.3387% | 754 |
Efficiency ratio | 49.9061% | 6,992 |
Assets per employee ($millions) | 4.1794% | 3,488 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
Condition Ratios (%) | ||
Loss allowance to loans | 4.2542% | 357 |
Loan loss allowance to noncurrent loans | 91.6052% | 3,124 |
Noncurrent assets plus other real estate owned to assets | 5.4314% | 1,122 |
Noncurrent loans to loans | 4.6441% | 1,493 |
Net loans and leases to total assets | 65.3127% | 3,175 |
Net loans and leases to deposits | 114.9515% | 124 |
Net loans and leases to core deposits | 129.0942% | 278 |
Total domestic deposits to total assets | 56.8176% | 7,454 |
Equity capital to assets | 18.0169% | 368 |
Core capital (leverage) ratio | 17.7503% | 344 |
Tier 1 risk-based capital ratio | 22.4354% | 1,155 |
Total risk-based capital ratio | 23.7159% | 1,130 |
Memoranda: | ||
Average total assets | $362,907,500 | 1,813 |
Average earning assets | $325,844,000 | 1,839 |
Average equity | $65,083,000 | 1,029 |
Average total loans | $248,814,000 | 1,735 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0974% | 4,108 |
Cost of funding earning assets | 0.7103% | 6,852 |
Net interest margin | 4.3871% | 1,521 |
Noninterest income to average assets | 0.2287% | 6,170 |
Noninterest expense to average assets | 2.2322% | 6,536 |
Loan and lease loss provision to assets | 0.9439% | 1,731 |
Net operating income to assets | 0.7213% | 3,142 |
Return on assets (ROA) | 0.7442% | 3,146 |
Pretax return on assets | 1.0009% | 2,928 |
Return on Equity (ROE) | 4.4896% | 4,305 |
Retained earnings to average equity (ytd only) | 4.4896% | 2,731 |
Net charge-offs to loans | 1.5443% | 1,422 |
Credit loss provision to net charge-offs | 85.8661% | 5,294 |
Earnings coverage of net charge-offs (x) | 1.7410% | 4,412 |
Efficiency ratio | 53.6884% | 6,837 |
Assets per employee ($millions) | 4.2612% | 3,280 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.9917% | 406 |
Loan loss allowance to noncurrent loans | 98.9571% | 2,923 |
Noncurrent assets plus other real estate owned to assets | 5.1338% | 1,240 |
Noncurrent loans to loans | 4.0338% | 1,796 |
Net loans and leases to total assets | 66.1585% | 3,436 |
Net loans and leases to deposits | 120.0551% | 116 |
Net loans and leases to core deposits | 133.9883% | 283 |
Total domestic deposits to total assets | 55.1068% | 7,542 |
Equity capital to assets | 17.8503% | 387 |
Core capital (leverage) ratio | 17.4332% | 364 |
Tier 1 risk-based capital ratio | 21.9503% | 1,183 |
Total risk-based capital ratio | 23.2280% | 1,148 |
Memoranda: | ||
Average total assets | $368,156,200 | 1,786 |
Average earning assets | $328,734,600 | 1,814 |
Average equity | $61,030,200 | 1,092 |
Average total loans | $262,066,200 | 1,690 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1352% | 4,147 |
Cost of funding earning assets | 0.7423% | 6,938 |
Net interest margin | 4.3929% | 1,547 |
Noninterest income to average assets | 0.0094% | 7,413 |
Noninterest expense to average assets | 2.2277% | 6,534 |
Loan and lease loss provision to assets | 1.0460% | 1,415 |
Net operating income to assets | 0.5511% | 4,086 |
Return on assets (ROA) | 0.5677% | 4,185 |
Pretax return on assets | 0.6749% | 4,323 |
Return on Equity (ROE) | 3.4905% | 5,012 |
Retained earnings to average equity (ytd only) | 3.4905% | 3,999 |
Net charge-offs to loans | 1.5008% | 1,338 |
Credit loss provision to net charge-offs | 97.1524% | 4,464 |
Earnings coverage of net charge-offs (x) | 1.5799% | 4,537 |
Efficiency ratio | 56.5461% | 6,482 |
Assets per employee ($millions) | 4.5105% | 2,888 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
Condition Ratios (%) | ||
Loss allowance to loans | 4.0278% | 362 |
Loan loss allowance to noncurrent loans | 65.6800% | 4,018 |
Noncurrent assets plus other real estate owned to assets | 6.0846% | 973 |
Noncurrent loans to loans | 6.1324% | 1,003 |
Net loans and leases to total assets | 68.1602% | 3,172 |
Net loans and leases to deposits | 119.1157% | 122 |
Net loans and leases to core deposits | 130.3910% | 370 |
Total domestic deposits to total assets | 57.2219% | 7,630 |
Equity capital to assets | 17.4384% | 473 |
Core capital (leverage) ratio | 16.8301% | 448 |
Tier 1 risk-based capital ratio | 20.8743% | 1,377 |
Total risk-based capital ratio | 22.1529% | 1,351 |
Memoranda: | ||
Average total assets | $369,643,750 | 1,796 |
Average earning assets | $329,796,000 | 1,837 |
Average equity | $60,124,000 | 1,109 |
Average total loans | $265,184,500 | 1,690 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1372% | 4,264 |
Cost of funding earning assets | 0.7474% | 7,072 |
Net interest margin | 4.3897% | 1,476 |
Noninterest income to average assets | 0.4538% | 4,484 |
Noninterest expense to average assets | 2.2475% | 6,515 |
Loan and lease loss provision to assets | 1.5630% | 839 |
Net operating income to assets | 0.5297% | 4,198 |
Return on assets (ROA) | 0.5578% | 4,190 |
Pretax return on assets | 0.5886% | 4,598 |
Return on Equity (ROE) | 3.5127% | 5,011 |
Retained earnings to average equity (ytd only) | 3.5127% | 3,873 |
Net charge-offs to loans | 1.4415% | 1,326 |
Credit loss provision to net charge-offs | 150.6494% | 2,603 |
Earnings coverage of net charge-offs (x) | 2.0452% | 4,003 |
Efficiency ratio | 51.3013% | 7,128 |
Assets per employee ($millions) | 4.4192% | 3,022 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
Condition Ratios (%) | ||
Loss allowance to loans | 4.3187% | 293 |
Loan loss allowance to noncurrent loans | 77.8928% | 3,481 |
Noncurrent assets plus other real estate owned to assets | 6.2133% | 926 |
Noncurrent loans to loans | 5.5444% | 1,187 |
Net loans and leases to total assets | 69.5293% | 3,014 |
Net loans and leases to deposits | 116.5857% | 169 |
Net loans and leases to core deposits | 136.2056% | 328 |
Total domestic deposits to total assets | 59.6379% | 7,663 |
Equity capital to assets | 17.1883% | 504 |
Core capital (leverage) ratio | 16.4590% | 506 |
Tier 1 risk-based capital ratio | 20.2653% | 1,470 |
Total risk-based capital ratio | 21.5472% | 1,434 |
Memoranda: | ||
Average total assets | $371,075,670 | 1,807 |
Average earning assets | $331,000,000 | 1,843 |
Average equity | $58,928,330 | 1,123 |
Average total loans | $267,088,330 | 1,702 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0638% | 4,714 |
Cost of funding earning assets | 0.7237% | 7,286 |
Net interest margin | 4.3400% | 1,565 |
Noninterest income to average assets | 0.6034% | 3,257 |
Noninterest expense to average assets | 2.0556% | 7,047 |
Loan and lease loss provision to assets | 1.9292% | 577 |
Net operating income to assets | 0.3569% | 5,040 |
Return on assets (ROA) | 0.3569% | 5,169 |
Pretax return on assets | 0.4877% | 5,007 |
Return on Equity (ROE) | 2.3422% | 5,615 |
Retained earnings to average equity (ytd only) | 2.3422% | 4,735 |
Net charge-offs to loans | 1.7833% | 973 |
Credit loss provision to net charge-offs | 151.0067% | 2,363 |
Earnings coverage of net charge-offs (x) | 1.8918% | 3,595 |
Efficiency ratio | 45.8184% | 7,558 |
Assets per employee ($millions) | 4.5951% | 2,809 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
Condition Ratios (%) | ||
Loss allowance to loans | 4.2251% | 306 |
Loan loss allowance to noncurrent loans | 50.8162% | 4,940 |
Noncurrent assets plus other real estate owned to assets | 8.2941% | 585 |
Noncurrent loans to loans | 8.3145% | 633 |
Net loans and leases to total assets | 67.0418% | 3,620 |
Net loans and leases to deposits | 114.7778% | 199 |
Net loans and leases to core deposits | 131.5066% | 448 |
Total domestic deposits to total assets | 58.4101% | 7,776 |
Equity capital to assets | 16.4877% | 605 |
Core capital (leverage) ratio | 16.3555% | 525 |
Tier 1 risk-based capital ratio | 19.6887% | 1,584 |
Total risk-based capital ratio | 20.9683% | 1,544 |
Memoranda: | ||
Average total assets | $373,216,000 | 1,835 |
Average earning assets | $332,716,000 | 1,883 |
Average equity | $56,869,500 | 1,165 |
Average total loans | $267,362,000 | 1,760 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.8952% | 2,258 |
Cost of funding earning assets | 0.7616% | 7,608 |
Net interest margin | 5.1336% | 339 |
Noninterest income to average assets | 0.8829% | 2,016 |
Noninterest expense to average assets | 2.3830% | 6,514 |
Loan and lease loss provision to assets | 2.6571% | 723 |
Net operating income to assets | 0.4274% | 4,018 |
Return on assets (ROA) | 0.4274% | 4,122 |
Pretax return on assets | 0.4624% | 4,313 |
Return on Equity (ROE) | 3.2633% | 4,391 |
Retained earnings to average equity (ytd only) | 2.3813% | 3,454 |
Net charge-offs to loans | 1.7176% | 1,465 |
Credit loss provision to net charge-offs | 187.9085% | 2,151 |
Earnings coverage of net charge-offs (x) | 2.2061% | 4,069 |
Efficiency ratio | 43.1871% | 7,800 |
Assets per employee ($millions) | 4.4534% | 3,004 |
Cash dividends to net income (ytd only)* | 27.0270% | 3,452 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.8883% | 384 |
Loan loss allowance to noncurrent loans | 58.6441% | 4,482 |
Noncurrent assets plus other real estate owned to assets | 7.1646% | 697 |
Noncurrent loans to loans | 6.6303% | 894 |
Net loans and leases to total assets | 70.4566% | 3,144 |
Net loans and leases to deposits | 141.3261% | 57 |
Net loans and leases to core deposits | 193.4651% | 117 |
Total domestic deposits to total assets | 49.8539% | 7,907 |
Equity capital to assets | 13.9635% | 1,180 |
Core capital (leverage) ratio | 13.6713% | 1,053 |
Tier 1 risk-based capital ratio | 16.0629% | 2,496 |
Total risk-based capital ratio | 17.3394% | 2,414 |
Memoranda: | ||
Average total assets | $346,247,400 | 1,971 |
Average earning assets | $311,576,000 | 1,995 |
Average equity | $45,353,400 | 1,481 |
Average total loans | $285,047,800 | 1,684 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.0039% | 2,024 |
Cost of funding earning assets | 0.7616% | 7,750 |
Net interest margin | 5.2422% | 285 |
Noninterest income to average assets | 0.9596% | 1,742 |
Noninterest expense to average assets | 2.3924% | 6,436 |
Loan and lease loss provision to assets | 2.7418% | 573 |
Net operating income to assets | 0.4739% | 4,100 |
Return on assets (ROA) | 0.4739% | 4,200 |
Pretax return on assets | 0.5593% | 4,332 |
Return on Equity (ROE) | 3.6843% | 4,507 |
Retained earnings to average equity (ytd only) | 2.4663% | 3,950 |
Net charge-offs to loans | 2.0191% | 969 |
Credit loss provision to net charge-offs | 160.1831% | 2,962 |
Earnings coverage of net charge-offs (x) | 1.9286% | 4,369 |
Efficiency ratio | 41.9029% | 7,889 |
Assets per employee ($millions) | 4.3806% | 3,069 |
Cash dividends to net income (ytd only)* | 33.0579% | 2,757 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.1302% | 598 |
Loan loss allowance to noncurrent loans | 48.4315% | 5,083 |
Noncurrent assets plus other real estate owned to assets | 7.1393% | 660 |
Noncurrent loans to loans | 6.4632% | 893 |
Net loans and leases to total assets | 75.4277% | 2,119 |
Net loans and leases to deposits | 148.4248% | 54 |
Net loans and leases to core deposits | 197.5815% | 108 |
Total domestic deposits to total assets | 50.8188% | 7,973 |
Equity capital to assets | 12.8017% | 1,784 |
Core capital (leverage) ratio | 13.0722% | 1,353 |
Tier 1 risk-based capital ratio | 13.8722% | 3,619 |
Total risk-based capital ratio | 15.1409% | 3,554 |
Memoranda: | ||
Average total assets | $340,400,250 | 2,017 |
Average earning assets | $307,394,500 | 2,047 |
Average equity | $43,788,250 | 1,549 |
Average total loans | $288,567,500 | 1,679 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.1965% | 1,468 |
Cost of funding earning assets | 0.7878% | 7,833 |
Net interest margin | 5.4087% | 206 |
Noninterest income to average assets | 1.0629% | 1,405 |
Noninterest expense to average assets | 2.3278% | 6,680 |
Loan and lease loss provision to assets | 1.9238% | 852 |
Net operating income to assets | 1.1327% | 1,655 |
Return on assets (ROA) | 1.1327% | 1,735 |
Pretax return on assets | 1.7068% | 1,001 |
Return on Equity (ROE) | 8.7896% | 2,429 |
Retained earnings to average equity (ytd only) | 6.9234% | 1,613 |
Net charge-offs to loans | 1.7769% | 1,067 |
Credit loss provision to net charge-offs | 124.0310% | 3,751 |
Earnings coverage of net charge-offs (x) | 2.3407% | 3,893 |
Efficiency ratio | 38.9567% | 8,038 |
Assets per employee ($millions) | 3.9124% | 3,853 |
Cash dividends to net income (ytd only)* | 21.2314% | 3,125 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.3999% | 990 |
Loan loss allowance to noncurrent loans | 50.0000% | 5,026 |
Noncurrent assets plus other real estate owned to assets | 6.3696% | 729 |
Noncurrent loans to loans | 4.7998% | 1,300 |
Net loans and leases to total assets | 83.7955% | 665 |
Net loans and leases to deposits | 154.3620% | 53 |
Net loans and leases to core deposits | 181.8717% | 207 |
Total domestic deposits to total assets | 54.2851% | 8,024 |
Equity capital to assets | 14.1452% | 1,260 |
Core capital (leverage) ratio | 13.7754% | 1,197 |
Tier 1 risk-based capital ratio | 14.0870% | 3,469 |
Total risk-based capital ratio | 15.3479% | 3,399 |
Memoranda: | ||
Average total assets | $332,669,670 | 2,092 |
Average earning assets | $301,107,330 | 2,107 |
Average equity | $42,869,000 | 1,592 |
Average total loans | $290,386,330 | 1,704 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.3014% | 1,293 |
Cost of funding earning assets | 0.8235% | 7,885 |
Net interest margin | 5.4778% | 182 |
Noninterest income to average assets | 0.9858% | 1,526 |
Noninterest expense to average assets | 2.2445% | 6,711 |
Loan and lease loss provision to assets | 1.6830% | 737 |
Net operating income to assets | 1.3320% | 1,309 |
Return on assets (ROA) | 1.3320% | 1,407 |
Pretax return on assets | 2.0641% | 581 |
Return on Equity (ROE) | 10.8671% | 2,008 |
Retained earnings to average equity (ytd only) | 6.9440% | 2,232 |
Net charge-offs to loans | 2.4247% | 591 |
Credit loss provision to net charge-offs | 78.8732% | 4,208 |
Earnings coverage of net charge-offs (x) | 1.7561% | 3,856 |
Efficiency ratio | 37.3395% | 8,094 |
Assets per employee ($millions) | 3.9597% | 3,749 |
Cash dividends to net income (ytd only)* | 36.1011% | 2,167 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0057% | 1,404 |
Loan loss allowance to noncurrent loans | 52.3461% | 5,064 |
Noncurrent assets plus other real estate owned to assets | 3.5392% | 1,512 |
Noncurrent loans to loans | 3.8316% | 1,604 |
Net loans and leases to total assets | 86.0335% | 444 |
Net loans and leases to deposits | 156.1088% | 55 |
Net loans and leases to core deposits | 180.2840% | 233 |
Total domestic deposits to total assets | 55.1113% | 8,056 |
Equity capital to assets | 12.3815% | 2,041 |
Core capital (leverage) ratio | 11.8455% | 1,976 |
Tier 1 risk-based capital ratio | 12.2884% | 4,714 |
Total risk-based capital ratio | 13.5457% | 4,626 |
Memoranda: | ||
Average total assets | $332,729,500 | 2,096 |
Average earning assets | $304,061,500 | 2,099 |
Average equity | $40,783,500 | 1,664 |
Average total loans | $292,822,500 | 1,698 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 7.2014% | 749 |
Cost of funding earning assets | 1.7873% | 7,039 |
Net interest margin | 5.4141% | 232 |
Noninterest income to average assets | 0.9356% | 1,831 |
Noninterest expense to average assets | 2.2268% | 6,902 |
Loan and lease loss provision to assets | 0.6762% | 2,150 |
Net operating income to assets | 1.8451% | 502 |
Return on assets (ROA) | 1.8451% | 489 |
Pretax return on assets | 2.9476% | 102 |
Return on Equity (ROE) | 15.8963% | 788 |
Retained earnings to average equity (ytd only) | 12.7186% | 183 |
Net charge-offs to loans | 0.2123% | 4,087 |
Credit loss provision to net charge-offs | 366.6667% | 1,203 |
Earnings coverage of net charge-offs (x) | 19.6500% | 1,614 |
Efficiency ratio | 37.9406% | 8,159 |
Assets per employee ($millions) | 4.0101% | 3,493 |
Cash dividends to net income (ytd only)* | 19.9900% | 4,444 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1224% | 1,038 |
Loan loss allowance to noncurrent loans | 118.3891% | 3,007 |
Noncurrent assets plus other real estate owned to assets | 1.7567% | 2,781 |
Noncurrent loans to loans | 1.7928% | 3,074 |
Net loans and leases to total assets | 86.3454% | 564 |
Net loans and leases to deposits | 159.8102% | 62 |
Net loans and leases to core deposits | 180.0945% | 284 |
Total domestic deposits to total assets | 54.0300% | 8,088 |
Equity capital to assets | 12.1331% | 2,205 |
Core capital (leverage) ratio | 11.6222% | 2,177 |
Tier 1 risk-based capital ratio | 11.8883% | 4,907 |
Total risk-based capital ratio | 13.1464% | 4,806 |
Memoranda: | ||
Average total assets | $325,351,000 | 2,054 |
Average earning assets | $295,360,000 | 2,072 |
Average equity | $37,763,600 | 1,789 |
Average total loans | $282,613,400 | 1,707 |