Home > Floridian Bank > Performance and Condition Ratios
Floridian Bank, Performance and Condition Ratios
2015-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0575% | 3,086 |
Cost of funding earning assets | 0.4046% | 3,103 |
Net interest margin | 3.6529% | 2,925 |
Noninterest income to average assets | 0.3117% | 4,663 |
Noninterest expense to average assets | 2.7417% | 3,441 |
Loan and lease loss provision to assets | -0.0727% | 5,793 |
Net operating income to assets | 0.4535% | 4,872 |
Return on assets (ROA) | 0.4611% | 4,920 |
Pretax return on assets | 0.7842% | 4,245 |
Return on Equity (ROE) | 3.7604% | 5,043 |
Retained earnings to average equity (ytd only) | 3.7604% | 3,369 |
Net charge-offs to loans | -0.0147% | 5,200 |
Credit loss provision to net charge-offs | 731.7073% | 457 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 79.6703% | 1,718 |
Assets per employee ($millions) | 5.3855% | 1,917 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5488% | 1,805 |
Loan loss allowance to noncurrent loans | 379.6567% | 1,326 |
Noncurrent assets plus other real estate owned to assets | 0.2884% | 4,437 |
Noncurrent loans to loans | 0.4079% | 3,995 |
Net loans and leases to total assets | 69.6076% | 2,431 |
Net loans and leases to deposits | 82.7130% | 2,510 |
Net loans and leases to core deposits | 95.0333% | 1,938 |
Total domestic deposits to total assets | 84.1555% | 3,422 |
Equity capital to assets | 12.6366% | 1,539 |
Core capital (leverage) ratio | 10.7286% | 2,680 |
Tier 1 risk-based capital ratio | 14.4861% | 3,452 |
Total risk-based capital ratio | 15.7552% | 3,353 |
Memoranda: | ||
Average total assets | $412,518,400 | 1,599 |
Average earning assets | $353,417,000 | 1,708 |
Average equity | $50,580,200 | 1,470 |
Average total loans | $278,680,000 | 1,573 |
2015-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0017% | 3,335 |
Cost of funding earning assets | 0.4000% | 3,226 |
Net interest margin | 3.6017% | 3,158 |
Noninterest income to average assets | 0.3357% | 4,545 |
Noninterest expense to average assets | 2.6645% | 3,679 |
Loan and lease loss provision to assets | 0.0000% | 4,232 |
Net operating income to assets | 0.4285% | 5,057 |
Return on assets (ROA) | 0.4363% | 5,121 |
Pretax return on assets | 0.7263% | 4,584 |
Return on Equity (ROE) | 3.5852% | 5,191 |
Retained earnings to average equity (ytd only) | 3.5852% | 3,917 |
Net charge-offs to loans | -0.0178% | 5,165 |
Credit loss provision to net charge-offs | 0.0000% | 3,517 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 78.8637% | 1,832 |
Assets per employee ($millions) | 5.4278% | 1,848 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6338% | 1,661 |
Loan loss allowance to noncurrent loans | 255.0811% | 1,836 |
Noncurrent assets plus other real estate owned to assets | 0.4901% | 3,854 |
Noncurrent loans to loans | 0.6405% | 3,401 |
Net loans and leases to total assets | 67.1091% | 2,839 |
Net loans and leases to deposits | 78.6027% | 3,036 |
Net loans and leases to core deposits | 91.1748% | 2,338 |
Total domestic deposits to total assets | 85.3775% | 2,840 |
Equity capital to assets | 12.0474% | 2,063 |
Core capital (leverage) ratio | 10.1193% | 3,476 |
Tier 1 risk-based capital ratio | 13.9727% | 3,860 |
Total risk-based capital ratio | 15.2433% | 3,793 |
Memoranda: | ||
Average total assets | $414,669,750 | 1,606 |
Average earning assets | $350,340,750 | 1,737 |
Average equity | $50,465,000 | 1,478 |
Average total loans | $276,955,750 | 1,586 |
2015-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0667% | 3,022 |
Cost of funding earning assets | 0.3813% | 3,472 |
Net interest margin | 3.6854% | 2,772 |
Noninterest income to average assets | 0.3575% | 4,394 |
Noninterest expense to average assets | 2.6690% | 3,694 |
Loan and lease loss provision to assets | 0.0000% | 4,069 |
Net operating income to assets | 0.4724% | 4,880 |
Return on assets (ROA) | 0.4823% | 4,945 |
Pretax return on assets | 0.7786% | 4,391 |
Return on Equity (ROE) | 3.9495% | 5,033 |
Retained earnings to average equity (ytd only) | 3.9495% | 3,495 |
Net charge-offs to loans | -0.0022% | 4,597 |
Credit loss provision to net charge-offs | 0.0000% | 3,158 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 77.7668% | 2,102 |
Assets per employee ($millions) | 5.5860% | 1,669 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7000% | 1,602 |
Loan loss allowance to noncurrent loans | 216.8981% | 2,111 |
Noncurrent assets plus other real estate owned to assets | 0.5271% | 3,853 |
Noncurrent loans to loans | 0.7838% | 3,144 |
Net loans and leases to total assets | 59.8727% | 3,855 |
Net loans and leases to deposits | 71.2812% | 3,788 |
Net loans and leases to core deposits | 82.6974% | 3,111 |
Total domestic deposits to total assets | 83.9951% | 3,564 |
Equity capital to assets | 11.1321% | 2,740 |
Core capital (leverage) ratio | 10.7702% | 2,656 |
Tier 1 risk-based capital ratio | 13.9267% | 3,974 |
Total risk-based capital ratio | 15.1986% | 3,897 |
Memoranda: | ||
Average total assets | $411,770,000 | 1,624 |
Average earning assets | $343,521,330 | 1,779 |
Average equity | $50,285,000 | 1,487 |
Average total loans | $272,995,000 | 1,613 |
2015-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0951% | 2,851 |
Cost of funding earning assets | 0.3597% | 3,756 |
Net interest margin | 3.7353% | 2,492 |
Noninterest income to average assets | 0.2872% | 4,872 |
Noninterest expense to average assets | 2.7970% | 3,261 |
Loan and lease loss provision to assets | 0.0000% | 3,703 |
Net operating income to assets | 0.4420% | 4,907 |
Return on assets (ROA) | 0.4629% | 4,939 |
Pretax return on assets | 0.7807% | 4,311 |
Return on Equity (ROE) | 3.6065% | 5,139 |
Retained earnings to average equity (ytd only) | 3.6065% | 3,837 |
Net charge-offs to loans | -0.0044% | 4,466 |
Credit loss provision to net charge-offs | 0.0000% | 2,491 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 78.8988% | 2,059 |
Assets per employee ($millions) | 4.8502% | 2,560 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7342% | 1,656 |
Loan loss allowance to noncurrent loans | 228.6481% | 1,990 |
Noncurrent assets plus other real estate owned to assets | 0.6838% | 3,441 |
Noncurrent loans to loans | 0.7584% | 3,357 |
Net loans and leases to total assets | 69.2840% | 2,240 |
Net loans and leases to deposits | 82.9073% | 2,218 |
Net loans and leases to core deposits | 94.3542% | 1,737 |
Total domestic deposits to total assets | 83.5681% | 3,985 |
Equity capital to assets | 13.1801% | 1,313 |
Core capital (leverage) ratio | 11.2836% | 2,169 |
Tier 1 risk-based capital ratio | 14.7309% | 3,585 |
Total risk-based capital ratio | 16.0052% | 3,503 |
Memoranda: | ||
Average total assets | $391,421,000 | 1,706 |
Average earning assets | $341,387,500 | 1,793 |
Average equity | $50,243,000 | 1,495 |
Average total loans | $271,697,500 | 1,613 |
2014-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1902% | 2,979 |
Cost of funding earning assets | 0.4260% | 3,429 |
Net interest margin | 3.7642% | 2,754 |
Noninterest income to average assets | 0.7053% | 2,279 |
Noninterest expense to average assets | 3.2087% | 2,187 |
Loan and lease loss provision to assets | 0.0000% | 4,603 |
Net operating income to assets | 3.1866% | 83 |
Return on assets (ROA) | 3.1962% | 83 |
Pretax return on assets | 0.6786% | 4,700 |
Return on Equity (ROE) | 27.1127% | 79 |
Retained earnings to average equity (ytd only) | 27.1127% | 32 |
Net charge-offs to loans | 0.3880% | 1,103 |
Credit loss provision to net charge-offs | 0.0000% | 4,203 |
Earnings coverage of net charge-offs (x) | 2.4512% | 4,148 |
Efficiency ratio | 82.7479% | 1,560 |
Assets per employee ($millions) | 4.9997% | 2,323 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7135% | 1,742 |
Loan loss allowance to noncurrent loans | 197.1368% | 2,261 |
Noncurrent assets plus other real estate owned to assets | 0.9196% | 2,917 |
Noncurrent loans to loans | 0.8692% | 3,142 |
Net loans and leases to total assets | 67.1421% | 2,706 |
Net loans and leases to deposits | 80.0082% | 2,712 |
Net loans and leases to core deposits | 91.7499% | 2,119 |
Total domestic deposits to total assets | 83.9191% | 3,751 |
Equity capital to assets | 12.5727% | 1,601 |
Core capital (leverage) ratio | 11.0245% | 2,391 |
Tier 1 risk-based capital ratio | 14.2947% | 3,904 |
Total risk-based capital ratio | 15.5482% | 3,827 |
Memoranda: | ||
Average total assets | $383,266,000 | 1,712 |
Average earning assets | $323,013,400 | 1,853 |
Average equity | $45,181,800 | 1,594 |
Average total loans | $269,616,600 | 1,580 |
2014-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2732% | 2,734 |
Cost of funding earning assets | 0.4329% | 3,438 |
Net interest margin | 3.8403% | 2,475 |
Noninterest income to average assets | 0.5666% | 3,088 |
Noninterest expense to average assets | 3.1134% | 2,436 |
Loan and lease loss provision to assets | 0.0000% | 4,401 |
Net operating income to assets | 4.1509% | 60 |
Return on assets (ROA) | 4.1632% | 59 |
Pretax return on assets | 0.6887% | 4,735 |
Return on Equity (ROE) | 35.9462% | 37 |
Retained earnings to average equity (ytd only) | 35.9462% | 19 |
Net charge-offs to loans | 0.5632% | 671 |
Credit loss provision to net charge-offs | 0.0000% | 3,801 |
Earnings coverage of net charge-offs (x) | 1.6943% | 4,102 |
Efficiency ratio | 82.1531% | 1,598 |
Assets per employee ($millions) | 5.0152% | 2,222 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6843% | 2,019 |
Loan loss allowance to noncurrent loans | 113.2955% | 3,371 |
Noncurrent assets plus other real estate owned to assets | 1.0607% | 2,838 |
Noncurrent loans to loans | 1.4867% | 2,187 |
Net loans and leases to total assets | 65.9958% | 2,872 |
Net loans and leases to deposits | 78.2588% | 2,919 |
Net loans and leases to core deposits | 86.6338% | 2,594 |
Total domestic deposits to total assets | 84.3301% | 3,630 |
Equity capital to assets | 12.3161% | 1,816 |
Core capital (leverage) ratio | 10.6515% | 2,859 |
Tier 1 risk-based capital ratio | 13.5786% | 4,487 |
Total risk-based capital ratio | 14.8317% | 4,431 |
Memoranda: | ||
Average total assets | $379,088,250 | 1,742 |
Average earning assets | $318,162,000 | 1,891 |
Average equity | $43,905,250 | 1,648 |
Average total loans | $268,712,000 | 1,588 |
2014-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2675% | 2,712 |
Cost of funding earning assets | 0.4267% | 3,584 |
Net interest margin | 3.8408% | 2,409 |
Noninterest income to average assets | 0.3908% | 4,306 |
Noninterest expense to average assets | 3.0851% | 2,552 |
Loan and lease loss provision to assets | 0.0000% | 4,196 |
Net operating income to assets | 6.0923% | 39 |
Return on assets (ROA) | 6.0950% | 39 |
Pretax return on assets | 0.5875% | 4,989 |
Return on Equity (ROE) | 53.8757% | 20 |
Retained earnings to average equity (ytd only) | 53.8757% | 12 |
Net charge-offs to loans | 0.6590% | 584 |
Credit loss provision to net charge-offs | 0.0000% | 3,401 |
Earnings coverage of net charge-offs (x) | 1.2281% | 3,867 |
Efficiency ratio | 84.0648% | 1,505 |
Assets per employee ($millions) | 4.9120% | 2,326 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8696% | 1,653 |
Loan loss allowance to noncurrent loans | 102.6037% | 3,578 |
Noncurrent assets plus other real estate owned to assets | 1.4596% | 2,231 |
Noncurrent loans to loans | 1.8222% | 1,883 |
Net loans and leases to total assets | 65.5605% | 2,824 |
Net loans and leases to deposits | 77.7769% | 2,832 |
Net loans and leases to core deposits | 87.3287% | 2,379 |
Total domestic deposits to total assets | 84.2931% | 3,819 |
Equity capital to assets | 12.8286% | 1,469 |
Core capital (leverage) ratio | 11.0157% | 2,415 |
Tier 1 risk-based capital ratio | 13.9182% | 4,307 |
Total risk-based capital ratio | 15.1730% | 4,252 |
Memoranda: | ||
Average total assets | $370,040,330 | 1,775 |
Average earning assets | $315,921,330 | 1,897 |
Average equity | $41,863,000 | 1,715 |
Average total loans | $267,386,330 | 1,590 |
2014-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2154% | 2,816 |
Cost of funding earning assets | 0.3997% | 3,971 |
Net interest margin | 3.8157% | 2,404 |
Noninterest income to average assets | 0.2315% | 5,501 |
Noninterest expense to average assets | 3.1899% | 2,266 |
Loan and lease loss provision to assets | 0.0000% | 3,817 |
Net operating income to assets | 0.3379% | 5,361 |
Return on assets (ROA) | 0.3379% | 5,415 |
Pretax return on assets | 0.3432% | 5,612 |
Return on Equity (ROE) | 3.4981% | 5,268 |
Retained earnings to average equity (ytd only) | 3.4981% | 4,032 |
Net charge-offs to loans | -0.0216% | 5,392 |
Credit loss provision to net charge-offs | 0.0000% | 2,688 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 90.2861% | 1,009 |
Assets per employee ($millions) | 4.7188% | 2,638 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3406% | 3,903 |
Loan loss allowance to noncurrent loans | 789.4180% | 645 |
Noncurrent assets plus other real estate owned to assets | 0.4338% | 4,839 |
Noncurrent loans to loans | 0.1698% | 5,577 |
Net loans and leases to total assets | 68.4395% | 2,155 |
Net loans and leases to deposits | 76.0445% | 2,809 |
Net loans and leases to core deposits | 79.9964% | 2,963 |
Total domestic deposits to total assets | 89.9993% | 1,075 |
Equity capital to assets | 9.1687% | 4,913 |
Core capital (leverage) ratio | 10.1304% | 3,389 |
Tier 1 risk-based capital ratio | 11.9594% | 5,672 |
Total risk-based capital ratio | 13.1356% | 5,641 |
Memoranda: | ||
Average total assets | $150,351,500 | 3,700 |
Average earning assets | $130,093,500 | 3,830 |
Average equity | $14,522,000 | 3,944 |
Average total loans | $110,858,500 | 3,247 |
2013-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4443% | 2,417 |
Cost of funding earning assets | 0.3856% | 4,794 |
Net interest margin | 4.0587% | 1,772 |
Noninterest income to average assets | 0.2351% | 5,664 |
Noninterest expense to average assets | 3.3499% | 2,001 |
Loan and lease loss provision to assets | 0.0000% | 5,091 |
Net operating income to assets | 0.5665% | 4,427 |
Return on assets (ROA) | 0.5401% | 4,681 |
Pretax return on assets | 0.5401% | 5,071 |
Return on Equity (ROE) | 5.2338% | 4,525 |
Retained earnings to average equity (ytd only) | 5.2338% | 2,461 |
Net charge-offs to loans | 0.7465% | 858 |
Credit loss provision to net charge-offs | 0.0000% | 4,707 |
Earnings coverage of net charge-offs (x) | 0.9809% | 4,755 |
Efficiency ratio | 85.5347% | 1,462 |
Assets per employee ($millions) | 4.0076% | 3,847 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3457% | 3,908 |
Loan loss allowance to noncurrent loans | 654.6256% | 744 |
Noncurrent assets plus other real estate owned to assets | 0.5233% | 4,676 |
Noncurrent loans to loans | 0.2056% | 5,572 |
Net loans and leases to total assets | 77.6644% | 862 |
Net loans and leases to deposits | 88.7614% | 1,379 |
Net loans and leases to core deposits | 91.7804% | 1,814 |
Total domestic deposits to total assets | 87.4980% | 2,474 |
Equity capital to assets | 10.2192% | 3,486 |
Core capital (leverage) ratio | 10.7778% | 2,593 |
Tier 1 risk-based capital ratio | 12.0169% | 5,602 |
Total risk-based capital ratio | 13.2053% | 5,580 |
Memoranda: | ||
Average total assets | $136,093,000 | 3,954 |
Average earning assets | $123,440,000 | 3,981 |
Average equity | $14,043,400 | 4,060 |
Average total loans | $105,291,000 | 3,335 |
2013-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2486% | 3,209 |
Cost of funding earning assets | 0.3921% | 4,889 |
Net interest margin | 3.8566% | 2,435 |
Noninterest income to average assets | 0.2330% | 5,768 |
Noninterest expense to average assets | 3.3873% | 1,855 |
Loan and lease loss provision to assets | 0.0000% | 4,941 |
Net operating income to assets | 0.3515% | 5,431 |
Return on assets (ROA) | 0.3031% | 5,722 |
Pretax return on assets | 0.3031% | 5,867 |
Return on Equity (ROE) | 2.9298% | 5,631 |
Retained earnings to average equity (ytd only) | 2.9298% | 4,573 |
Net charge-offs to loans | 0.0308% | 4,519 |
Credit loss provision to net charge-offs | 0.0000% | 4,342 |
Earnings coverage of net charge-offs (x) | 14.8328% | 1,911 |
Efficiency ratio | 90.5994% | 946 |
Assets per employee ($millions) | 3.8612% | 4,112 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0745% | 1,562 |
Loan loss allowance to noncurrent loans | 63.5926% | 4,668 |
Noncurrent assets plus other real estate owned to assets | 2.8170% | 1,318 |
Noncurrent loans to loans | 3.2622% | 1,205 |
Net loans and leases to total assets | 78.5219% | 699 |
Net loans and leases to deposits | 88.5665% | 1,305 |
Net loans and leases to core deposits | 92.3181% | 1,744 |
Total domestic deposits to total assets | 88.6586% | 1,743 |
Equity capital to assets | 10.3476% | 3,453 |
Core capital (leverage) ratio | 10.7159% | 2,769 |
Tier 1 risk-based capital ratio | 12.5598% | 5,419 |
Total risk-based capital ratio | 13.8183% | 5,361 |
Memoranda: | ||
Average total assets | $135,050,000 | 4,013 |
Average earning assets | $122,765,500 | 4,037 |
Average equity | $13,970,750 | 4,118 |
Average total loans | $104,008,250 | 3,389 |
2013-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0904% | 3,773 |
Cost of funding earning assets | 0.4032% | 4,915 |
Net interest margin | 3.6873% | 3,002 |
Noninterest income to average assets | 0.2296% | 5,805 |
Noninterest expense to average assets | 3.4795% | 1,651 |
Loan and lease loss provision to assets | 0.0000% | 4,788 |
Net operating income to assets | 0.0963% | 6,138 |
Return on assets (ROA) | 0.0800% | 6,263 |
Pretax return on assets | 0.0800% | 6,263 |
Return on Equity (ROE) | 0.7733% | 6,262 |
Retained earnings to average equity (ytd only) | 0.7733% | 5,591 |
Net charge-offs to loans | 0.0468% | 4,023 |
Credit loss provision to net charge-offs | 0.0000% | 4,003 |
Earnings coverage of net charge-offs (x) | 2.7083% | 3,615 |
Efficiency ratio | 97.3074% | 603 |
Assets per employee ($millions) | 4.0579% | 3,671 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.2029% | 1,416 |
Loan loss allowance to noncurrent loans | 66.3714% | 4,545 |
Noncurrent assets plus other real estate owned to assets | 2.8178% | 1,461 |
Noncurrent loans to loans | 3.3190% | 1,310 |
Net loans and leases to total assets | 76.8567% | 881 |
Net loans and leases to deposits | 86.8831% | 1,470 |
Net loans and leases to core deposits | 91.6976% | 1,742 |
Total domestic deposits to total assets | 88.4599% | 1,942 |
Equity capital to assets | 10.5666% | 3,215 |
Core capital (leverage) ratio | 10.4472% | 2,944 |
Tier 1 risk-based capital ratio | 13.1086% | 5,063 |
Total risk-based capital ratio | 14.3682% | 4,997 |
Memoranda: | ||
Average total assets | $135,019,330 | 4,043 |
Average earning assets | $122,529,330 | 4,074 |
Average equity | $13,966,330 | 4,155 |
Average total loans | $102,556,330 | 3,425 |
2013-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9036% | 4,456 |
Cost of funding earning assets | 0.4048% | 5,057 |
Net interest margin | 3.4988% | 3,703 |
Noninterest income to average assets | 0.1977% | 6,060 |
Noninterest expense to average assets | 3.4767% | 1,669 |
Loan and lease loss provision to assets | 0.0000% | 4,409 |
Net operating income to assets | -0.1134% | 6,457 |
Return on assets (ROA) | -0.1076% | 6,498 |
Pretax return on assets | -0.1076% | 6,487 |
Return on Equity (ROE) | -1.0505% | 6,505 |
Retained earnings to average equity (ytd only) | -1.0505% | 5,959 |
Net charge-offs to loans | 0.0973% | 2,883 |
Credit loss provision to net charge-offs | 0.0000% | 3,239 |
Earnings coverage of net charge-offs (x) | -1.5600% | 3,999 |
Efficiency ratio | 103.3708% | 448 |
Assets per employee ($millions) | 4.1367% | 3,657 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.2513% | 1,480 |
Loan loss allowance to noncurrent loans | 62.6429% | 4,598 |
Noncurrent assets plus other real estate owned to assets | 2.8825% | 1,564 |
Noncurrent loans to loans | 3.5939% | 1,325 |
Net loans and leases to total assets | 71.4670% | 1,439 |
Net loans and leases to deposits | 80.4906% | 2,022 |
Net loans and leases to core deposits | 85.5176% | 2,158 |
Total domestic deposits to total assets | 88.7893% | 1,807 |
Equity capital to assets | 10.3368% | 3,749 |
Core capital (leverage) ratio | 10.4217% | 2,881 |
Tier 1 risk-based capital ratio | 13.2027% | 5,067 |
Total risk-based capital ratio | 14.4577% | 5,016 |
Memoranda: | ||
Average total assets | $137,603,000 | 4,028 |
Average earning assets | $124,501,500 | 4,053 |
Average equity | $14,089,000 | 4,182 |
Average total loans | $102,810,500 | 3,445 |
2012-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2073% | 4,569 |
Cost of funding earning assets | 0.4965% | 5,243 |
Net interest margin | 3.7108% | 3,601 |
Noninterest income to average assets | 0.3273% | 5,117 |
Noninterest expense to average assets | 3.0937% | 2,946 |
Loan and lease loss provision to assets | 0.3546% | 1,884 |
Net operating income to assets | 0.2226% | 5,728 |
Return on assets (ROA) | 0.4247% | 5,245 |
Pretax return on assets | 0.4794% | 5,340 |
Return on Equity (ROE) | 4.4067% | 4,971 |
Retained earnings to average equity (ytd only) | 4.4067% | 3,128 |
Net charge-offs to loans | -0.1093% | 6,840 |
Credit loss provision to net charge-offs | -436.2069% | 6,499 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 83.5985% | 1,678 |
Assets per employee ($millions) | 4.6231% | 2,744 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1472% | 1,654 |
Loan loss allowance to noncurrent loans | 62.4347% | 4,566 |
Noncurrent assets plus other real estate owned to assets | 2.9100% | 1,633 |
Noncurrent loans to loans | 3.4391% | 1,458 |
Net loans and leases to total assets | 74.6543% | 1,105 |
Net loans and leases to deposits | 83.9497% | 1,761 |
Net loans and leases to core deposits | 89.8653% | 1,850 |
Total domestic deposits to total assets | 88.9274% | 1,612 |
Equity capital to assets | 10.1425% | 3,978 |
Core capital (leverage) ratio | 9.7355% | 3,754 |
Tier 1 risk-based capital ratio | 12.7395% | 5,303 |
Total risk-based capital ratio | 14.0014% | 5,229 |
Memoranda: | ||
Average total assets | $142,678,200 | 3,903 |
Average earning assets | $129,703,800 | 3,905 |
Average equity | $13,751,800 | 4,212 |
Average total loans | $106,123,800 | 3,372 |
2012-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2432% | 4,671 |
Cost of funding earning assets | 0.5206% | 5,302 |
Net interest margin | 3.7226% | 3,692 |
Noninterest income to average assets | 0.3434% | 5,064 |
Noninterest expense to average assets | 2.9705% | 3,337 |
Loan and lease loss provision to assets | 0.3331% | 1,966 |
Net operating income to assets | 0.4241% | 5,141 |
Return on assets (ROA) | 0.7229% | 4,057 |
Pretax return on assets | 0.7229% | 4,784 |
Return on Equity (ROE) | 7.5963% | 3,482 |
Retained earnings to average equity (ytd only) | 7.5963% | 1,802 |
Net charge-offs to loans | -0.1456% | 6,930 |
Credit loss provision to net charge-offs | -309.4828% | 6,382 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 79.6863% | 2,138 |
Assets per employee ($millions) | 4.9003% | 2,323 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9999% | 2,164 |
Loan loss allowance to noncurrent loans | 58.1714% | 4,740 |
Noncurrent assets plus other real estate owned to assets | 2.7903% | 1,883 |
Noncurrent loans to loans | 3.4380% | 1,585 |
Net loans and leases to total assets | 70.8329% | 1,755 |
Net loans and leases to deposits | 78.9947% | 2,531 |
Net loans and leases to core deposits | 84.5211% | 2,640 |
Total domestic deposits to total assets | 89.6679% | 1,038 |
Equity capital to assets | 9.7185% | 4,900 |
Core capital (leverage) ratio | 10.2093% | 3,271 |
Tier 1 risk-based capital ratio | 12.7048% | 5,475 |
Total risk-based capital ratio | 13.9627% | 5,432 |
Memoranda: | ||
Average total assets | $143,674,250 | 3,924 |
Average earning assets | $130,622,500 | 3,923 |
Average equity | $13,673,000 | 4,269 |
Average total loans | $106,201,500 | 3,408 |
2012-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4126% | 4,131 |
Cost of funding earning assets | 0.5774% | 5,096 |
Net interest margin | 3.8352% | 3,199 |
Noninterest income to average assets | 0.3479% | 5,055 |
Noninterest expense to average assets | 2.8885% | 3,669 |
Loan and lease loss provision to assets | 0.6944% | 795 |
Net operating income to assets | 0.2315% | 5,821 |
Return on assets (ROA) | 0.7057% | 4,100 |
Pretax return on assets | 0.7057% | 4,818 |
Return on Equity (ROE) | 7.4694% | 3,538 |
Retained earnings to average equity (ytd only) | 7.4694% | 1,889 |
Net charge-offs to loans | 0.3145% | 2,772 |
Credit loss provision to net charge-offs | 296.4072% | 988 |
Earnings coverage of net charge-offs (x) | 3.9521% | 3,224 |
Efficiency ratio | 75.7264% | 2,781 |
Assets per employee ($millions) | 4.3042% | 3,254 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8871% | 2,598 |
Loan loss allowance to noncurrent loans | 57.4833% | 4,768 |
Noncurrent assets plus other real estate owned to assets | 2.8243% | 1,951 |
Noncurrent loans to loans | 3.2829% | 1,776 |
Net loans and leases to total assets | 74.6629% | 1,150 |
Net loans and leases to deposits | 87.1227% | 1,458 |
Net loans and leases to core deposits | 92.3348% | 1,751 |
Total domestic deposits to total assets | 85.6986% | 3,507 |
Equity capital to assets | 9.4188% | 5,169 |
Core capital (leverage) ratio | 8.9545% | 4,978 |
Tier 1 risk-based capital ratio | 11.4335% | 6,260 |
Total risk-based capital ratio | 12.6899% | 6,228 |
Memoranda: | ||
Average total assets | $142,563,000 | 3,958 |
Average earning assets | $128,858,330 | 3,980 |
Average equity | $13,468,330 | 4,305 |
Average total loans | $106,183,670 | 3,424 |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4954% | 3,929 |
Cost of funding earning assets | 0.5804% | 5,283 |
Net interest margin | 3.9151% | 2,860 |
Noninterest income to average assets | 0.3752% | 4,854 |
Noninterest expense to average assets | 2.5825% | 4,883 |
Loan and lease loss provision to assets | 1.0595% | 381 |
Net operating income to assets | 0.2511% | 5,817 |
Return on assets (ROA) | 0.2511% | 5,969 |
Pretax return on assets | 0.2511% | 6,082 |
Return on Equity (ROE) | 2.6538% | 5,843 |
Retained earnings to average equity (ytd only) | 2.6538% | 4,928 |
Net charge-offs to loans | 0.6887% | 1,445 |
Credit loss provision to net charge-offs | 208.6957% | 1,300 |
Earnings coverage of net charge-offs (x) | 2.5815% | 3,137 |
Efficiency ratio | 66.3359% | 4,495 |
Assets per employee ($millions) | 4.6491% | 2,735 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7512% | 3,156 |
Loan loss allowance to noncurrent loans | 52.6915% | 4,911 |
Noncurrent assets plus other real estate owned to assets | 2.7401% | 2,149 |
Noncurrent loans to loans | 3.3235% | 1,919 |
Net loans and leases to total assets | 72.0173% | 1,395 |
Net loans and leases to deposits | 83.9191% | 1,671 |
Net loans and leases to core deposits | 89.7653% | 1,871 |
Total domestic deposits to total assets | 85.8175% | 3,633 |
Equity capital to assets | 9.5767% | 4,684 |
Core capital (leverage) ratio | 9.4722% | 4,091 |
Tier 1 risk-based capital ratio | 11.5944% | 6,223 |
Total risk-based capital ratio | 12.8483% | 6,204 |
Memoranda: | ||
Average total assets | $144,977,000 | 3,958 |
Average earning assets | $130,266,000 | 3,984 |
Average equity | $13,716,000 | 4,253 |
Average total loans | $106,868,000 | 3,434 |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4219% | 5,337 |
Cost of funding earning assets | 0.7945% | 4,911 |
Net interest margin | 3.6273% | 4,624 |
Noninterest income to average assets | 0.2855% | 5,490 |
Noninterest expense to average assets | 3.0701% | 3,308 |
Loan and lease loss provision to assets | 0.2015% | 4,167 |
Net operating income to assets | -0.0349% | 6,089 |
Return on assets (ROA) | -0.0349% | 6,190 |
Pretax return on assets | 0.2526% | 5,665 |
Return on Equity (ROE) | -0.4043% | 6,199 |
Retained earnings to average equity (ytd only) | -0.4043% | 5,918 |
Net charge-offs to loans | 0.8418% | 2,058 |
Credit loss provision to net charge-offs | 33.6323% | 5,732 |
Earnings coverage of net charge-offs (x) | 0.7578% | 5,235 |
Efficiency ratio | 87.1140% | 1,428 |
Assets per employee ($millions) | 6.3406% | 1,035 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5264% | 3,905 |
Loan loss allowance to noncurrent loans | 40.7307% | 5,556 |
Noncurrent assets plus other real estate owned to assets | 3.2969% | 1,807 |
Noncurrent loans to loans | 3.7477% | 1,681 |
Net loans and leases to total assets | 72.9903% | 1,455 |
Net loans and leases to deposits | 84.6628% | 1,844 |
Net loans and leases to core deposits | 93.5648% | 1,746 |
Total domestic deposits to total assets | 86.2130% | 3,191 |
Equity capital to assets | 9.3463% | 5,095 |
Core capital (leverage) ratio | 8.9483% | 4,867 |
Tier 1 risk-based capital ratio | 11.2925% | 6,296 |
Total risk-based capital ratio | 12.5443% | 6,273 |
Memoranda: | ||
Average total assets | $148,854,800 | 3,826 |
Average earning assets | $132,907,000 | 3,870 |
Average equity | $12,861,800 | 4,363 |
Average total loans | $105,958,000 | 3,478 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3772% | 5,684 |
Cost of funding earning assets | 0.8256% | 4,972 |
Net interest margin | 3.5516% | 4,976 |
Noninterest income to average assets | 0.2772% | 5,633 |
Noninterest expense to average assets | 3.0826% | 3,225 |
Loan and lease loss provision to assets | 0.1470% | 4,608 |
Net operating income to assets | 0.0633% | 6,040 |
Return on assets (ROA) | 0.0633% | 6,149 |
Pretax return on assets | 0.2103% | 5,878 |
Return on Equity (ROE) | 0.7471% | 6,113 |
Retained earnings to average equity (ytd only) | 0.7471% | 5,711 |
Net charge-offs to loans | 0.5666% | 2,543 |
Credit loss provision to net charge-offs | 36.8304% | 5,303 |
Earnings coverage of net charge-offs (x) | 0.8951% | 4,949 |
Efficiency ratio | 89.6114% | 1,194 |
Assets per employee ($millions) | 6.5064% | 945 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8142% | 2,889 |
Loan loss allowance to noncurrent loans | 65.9596% | 4,156 |
Noncurrent assets plus other real estate owned to assets | 2.7157% | 2,388 |
Noncurrent loans to loans | 2.7504% | 2,540 |
Net loans and leases to total assets | 70.8494% | 1,925 |
Net loans and leases to deposits | 80.1579% | 2,629 |
Net loans and leases to core deposits | 90.2178% | 2,225 |
Total domestic deposits to total assets | 88.3873% | 1,815 |
Equity capital to assets | 9.2397% | 5,459 |
Core capital (leverage) ratio | 8.8177% | 5,234 |
Tier 1 risk-based capital ratio | 11.2388% | 6,408 |
Total risk-based capital ratio | 12.4936% | 6,386 |
Memoranda: | ||
Average total assets | $149,610,250 | 3,831 |
Average earning assets | $133,232,000 | 3,891 |
Average equity | $12,669,750 | 4,410 |
Average total loans | $105,424,000 | 3,512 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3326% | 5,899 |
Cost of funding earning assets | 0.8485% | 5,073 |
Net interest margin | 3.4841% | 5,228 |
Noninterest income to average assets | 0.3209% | 5,331 |
Noninterest expense to average assets | 2.9706% | 3,756 |
Loan and lease loss provision to assets | 0.0535% | 5,643 |
Net operating income to assets | 0.2112% | 5,701 |
Return on assets (ROA) | 0.2112% | 5,819 |
Pretax return on assets | 0.3984% | 5,400 |
Return on Equity (ROE) | 2.5725% | 5,576 |
Retained earnings to average equity (ytd only) | 2.5725% | 4,658 |
Net charge-offs to loans | 0.4934% | 2,624 |
Credit loss provision to net charge-offs | 15.5039% | 5,191 |
Earnings coverage of net charge-offs (x) | 1.3101% | 4,298 |
Efficiency ratio | 86.7969% | 1,527 |
Assets per employee ($millions) | 6.2081% | 1,063 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9394% | 2,542 |
Loan loss allowance to noncurrent loans | 52.2862% | 4,885 |
Noncurrent assets plus other real estate owned to assets | 3.3880% | 1,949 |
Noncurrent loans to loans | 3.7093% | 1,895 |
Net loans and leases to total assets | 68.6842% | 2,481 |
Net loans and leases to deposits | 75.3063% | 3,597 |
Net loans and leases to core deposits | 86.9672% | 2,765 |
Total domestic deposits to total assets | 91.2064% | 427 |
Equity capital to assets | 8.4372% | 6,255 |
Core capital (leverage) ratio | 8.5019% | 5,552 |
Tier 1 risk-based capital ratio | 10.7528% | 6,684 |
Total risk-based capital ratio | 12.0092% | 6,662 |
Memoranda: | ||
Average total assets | $149,598,000 | 3,853 |
Average earning assets | $133,177,000 | 3,921 |
Average equity | $12,284,000 | 4,481 |
Average total loans | $104,571,000 | 3,572 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3627% | 5,815 |
Cost of funding earning assets | 0.8713% | 5,123 |
Net interest margin | 3.4913% | 5,049 |
Noninterest income to average assets | 0.2829% | 5,648 |
Noninterest expense to average assets | 2.9673% | 3,783 |
Loan and lease loss provision to assets | 0.0267% | 5,631 |
Net operating income to assets | 0.4003% | 4,944 |
Return on assets (ROA) | 0.4003% | 5,034 |
Pretax return on assets | 0.4003% | 5,341 |
Return on Equity (ROE) | 4.9421% | 4,436 |
Retained earnings to average equity (ytd only) | 4.9421% | 3,229 |
Net charge-offs to loans | -0.3172% | 7,346 |
Credit loss provision to net charge-offs | -12.0482% | 5,593 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 87.4214% | 1,580 |
Assets per employee ($millions) | 6.0757% | 1,155 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.2909% | 1,779 |
Loan loss allowance to noncurrent loans | 37.8444% | 5,778 |
Noncurrent assets plus other real estate owned to assets | 5.0255% | 1,254 |
Noncurrent loans to loans | 6.0535% | 1,043 |
Net loans and leases to total assets | 68.2979% | 2,490 |
Net loans and leases to deposits | 74.8302% | 3,627 |
Net loans and leases to core deposits | 85.2435% | 3,000 |
Total domestic deposits to total assets | 91.2706% | 500 |
Equity capital to assets | 8.4071% | 6,038 |
Core capital (leverage) ratio | 8.2697% | 5,867 |
Tier 1 risk-based capital ratio | 11.0848% | 6,447 |
Total risk-based capital ratio | 12.3458% | 6,416 |
Memoranda: | ||
Average total assets | $149,899,500 | 3,881 |
Average earning assets | $133,588,500 | 3,944 |
Average equity | $12,140,500 | 4,516 |
Average total loans | $104,676,500 | 3,607 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9757% | 4,670 |
Cost of funding earning assets | 1.3047% | 3,852 |
Net interest margin | 3.6710% | 4,488 |
Noninterest income to average assets | 0.2189% | 6,240 |
Noninterest expense to average assets | 3.0348% | 3,711 |
Loan and lease loss provision to assets | 2.7308% | 381 |
Net operating income to assets | -2.2487% | 7,125 |
Return on assets (ROA) | -2.2417% | 7,139 |
Pretax return on assets | -2.2417% | 7,100 |
Return on Equity (ROE) | -27.5215% | 7,183 |
Retained earnings to average equity (ytd only) | -27.5215% | 7,170 |
Net charge-offs to loans | 3.6152% | 388 |
Credit loss provision to net charge-offs | 106.1722% | 4,210 |
Earnings coverage of net charge-offs (x) | 0.1874% | 5,921 |
Efficiency ratio | 86.2941% | 1,663 |
Assets per employee ($millions) | 5.9224% | 1,261 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0870% | 2,099 |
Loan loss allowance to noncurrent loans | 42.3418% | 5,489 |
Noncurrent assets plus other real estate owned to assets | 3.8725% | 1,764 |
Noncurrent loans to loans | 4.9289% | 1,376 |
Net loans and leases to total assets | 68.3106% | 2,906 |
Net loans and leases to deposits | 74.3065% | 4,143 |
Net loans and leases to core deposits | 87.5594% | 3,108 |
Total domestic deposits to total assets | 91.9309% | 298 |
Equity capital to assets | 7.8074% | 6,666 |
Core capital (leverage) ratio | 7.9477% | 6,270 |
Tier 1 risk-based capital ratio | 10.4765% | 6,716 |
Total risk-based capital ratio | 11.7355% | 6,689 |
Memoranda: | ||
Average total assets | $156,220,200 | 3,772 |
Average earning assets | $140,342,600 | 3,811 |
Average equity | $12,724,600 | 4,420 |
Average total loans | $111,141,800 | 3,519 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0713% | 4,469 |
Cost of funding earning assets | 1.3966% | 3,604 |
Net interest margin | 3.6747% | 4,525 |
Noninterest income to average assets | 0.2203% | 6,335 |
Noninterest expense to average assets | 3.0879% | 3,387 |
Loan and lease loss provision to assets | 3.0377% | 283 |
Net operating income to assets | -2.6049% | 7,374 |
Return on assets (ROA) | -2.5955% | 7,393 |
Pretax return on assets | -2.5955% | 7,347 |
Return on Equity (ROE) | -31.5438% | 7,407 |
Retained earnings to average equity (ytd only) | -31.5438% | 7,401 |
Net charge-offs to loans | 1.1933% | 1,708 |
Credit loss provision to net charge-offs | 356.1316% | 878 |
Earnings coverage of net charge-offs (x) | 0.5075% | 5,514 |
Efficiency ratio | 87.7053% | 1,476 |
Assets per employee ($millions) | 6.0669% | 1,204 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
Condition Ratios (%) | ||
Loss allowance to loans | 4.0420% | 358 |
Loan loss allowance to noncurrent loans | 361.8557% | 821 |
Noncurrent assets plus other real estate owned to assets | 1.1400% | 4,840 |
Noncurrent loans to loans | 1.1170% | 5,010 |
Net loans and leases to total assets | 71.4221% | 2,377 |
Net loans and leases to deposits | 78.0680% | 3,814 |
Net loans and leases to core deposits | 93.5289% | 2,587 |
Total domestic deposits to total assets | 91.4869% | 312 |
Equity capital to assets | 8.1939% | 6,616 |
Core capital (leverage) ratio | 7.9231% | 6,442 |
Tier 1 risk-based capital ratio | 10.2208% | 6,948 |
Total risk-based capital ratio | 11.5039% | 6,918 |
Memoranda: | ||
Average total assets | $156,779,750 | 3,818 |
Average earning assets | $140,814,500 | 3,854 |
Average equity | $12,900,250 | 4,458 |
Average total loans | $112,070,250 | 3,549 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0833% | 4,544 |
Cost of funding earning assets | 1.5191% | 3,138 |
Net interest margin | 3.5642% | 4,978 |
Noninterest income to average assets | 0.2032% | 6,452 |
Noninterest expense to average assets | 2.8685% | 4,194 |
Loan and lease loss provision to assets | 2.1201% | 575 |
Net operating income to assets | -1.5876% | 7,184 |
Return on assets (ROA) | -1.5737% | 7,187 |
Pretax return on assets | -1.5737% | 7,104 |
Return on Equity (ROE) | -19.0999% | 7,259 |
Retained earnings to average equity (ytd only) | -19.0999% | 7,235 |
Net charge-offs to loans | 1.4043% | 1,358 |
Credit loss provision to net charge-offs | 214.0127% | 1,822 |
Earnings coverage of net charge-offs (x) | 0.5376% | 5,198 |
Efficiency ratio | 84.3414% | 1,881 |
Assets per employee ($millions) | 6.2147% | 1,089 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.5372% | 1,257 |
Loan loss allowance to noncurrent loans | 582.4597% | 555 |
Noncurrent assets plus other real estate owned to assets | 0.7428% | 5,635 |
Noncurrent loans to loans | 0.4356% | 6,371 |
Net loans and leases to total assets | 71.4283% | 2,560 |
Net loans and leases to deposits | 77.8697% | 3,992 |
Net loans and leases to core deposits | 88.9017% | 3,423 |
Total domestic deposits to total assets | 91.7280% | 282 |
Equity capital to assets | 7.9515% | 6,807 |
Core capital (leverage) ratio | 7.3767% | 6,936 |
Tier 1 risk-based capital ratio | 9.5462% | 7,241 |
Total risk-based capital ratio | 10.8103% | 7,241 |
Memoranda: | ||
Average total assets | $158,482,000 | 3,819 |
Average earning assets | $142,191,330 | 3,860 |
Average equity | $13,057,670 | 4,424 |
Average total loans | $111,796,670 | 3,588 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0397% | 4,837 |
Cost of funding earning assets | 1.5886% | 3,029 |
Net interest margin | 3.4512% | 5,367 |
Noninterest income to average assets | 0.1850% | 6,632 |
Noninterest expense to average assets | 2.8268% | 4,385 |
Loan and lease loss provision to assets | 0.0875% | 5,765 |
Net operating income to assets | 0.3549% | 5,056 |
Return on assets (ROA) | 0.3574% | 5,166 |
Pretax return on assets | 0.3574% | 5,427 |
Return on Equity (ROE) | 4.2656% | 4,775 |
Retained earnings to average equity (ytd only) | 4.2656% | 3,589 |
Net charge-offs to loans | 0.1842% | 3,816 |
Credit loss provision to net charge-offs | 68.6275% | 4,135 |
Earnings coverage of net charge-offs (x) | 3.4706% | 2,898 |
Efficiency ratio | 86.4679% | 1,742 |
Assets per employee ($millions) | 5.9610% | 1,282 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7543% | 2,879 |
Loan loss allowance to noncurrent loans | 2,637.3333% | 134 |
Noncurrent assets plus other real estate owned to assets | 0.4256% | 6,403 |
Noncurrent loans to loans | 0.0665% | 7,232 |
Net loans and leases to total assets | 68.8256% | 3,194 |
Net loans and leases to deposits | 75.3664% | 4,517 |
Net loans and leases to core deposits | 85.8565% | 3,922 |
Total domestic deposits to total assets | 91.3213% | 433 |
Equity capital to assets | 8.3842% | 6,177 |
Core capital (leverage) ratio | 8.3988% | 5,562 |
Tier 1 risk-based capital ratio | 10.4620% | 6,664 |
Total risk-based capital ratio | 11.7145% | 6,659 |
Memoranda: | ||
Average total assets | $160,039,500 | 3,844 |
Average earning assets | $143,023,500 | 3,888 |
Average equity | $13,409,500 | 4,377 |
Average total loans | $110,762,500 | 3,667 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.4551% | 4,412 |
Cost of funding earning assets | 1.9491% | 3,217 |
Net interest margin | 3.5060% | 4,928 |
Noninterest income to average assets | 0.2164% | 6,566 |
Noninterest expense to average assets | 3.2117% | 3,339 |
Loan and lease loss provision to assets | 0.5204% | 3,768 |
Net operating income to assets | -0.3828% | 6,059 |
Return on assets (ROA) | -0.3769% | 6,046 |
Pretax return on assets | -0.3769% | 5,895 |
Return on Equity (ROE) | -3.7299% | 6,085 |
Retained earnings to average equity (ytd only) | -3.7299% | 5,828 |
Net charge-offs to loans | 1.2060% | 2,042 |
Credit loss provision to net charge-offs | 56.3347% | 6,678 |
Earnings coverage of net charge-offs (x) | 0.1490% | 6,011 |
Efficiency ratio | 95.8901% | 1,317 |
Assets per employee ($millions) | 6.3653% | 1,043 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8331% | 2,439 |
Loan loss allowance to noncurrent loans | 2,658.6667% | 156 |
Noncurrent assets plus other real estate owned to assets | 0.3852% | 6,483 |
Noncurrent loans to loans | 0.0689% | 7,252 |
Net loans and leases to total assets | 67.1017% | 3,902 |
Net loans and leases to deposits | 73.3870% | 5,141 |
Net loans and leases to core deposits | 88.7136% | 5,251 |
Total domestic deposits to total assets | 91.4355% | 397 |
Equity capital to assets | 8.3735% | 6,091 |
Core capital (leverage) ratio | 8.1987% | 5,812 |
Tier 1 risk-based capital ratio | 10.4460% | 6,452 |
Total risk-based capital ratio | 11.7004% | 6,416 |
Memoranda: | ||
Average total assets | $135,846,600 | 4,216 |
Average earning assets | $121,390,600 | 4,278 |
Average equity | $13,727,000 | 4,331 |
Average total loans | $104,061,000 | 3,835 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.5104% | 4,365 |
Cost of funding earning assets | 1.9905% | 3,406 |
Net interest margin | 3.5199% | 4,786 |
Noninterest income to average assets | 0.2225% | 6,636 |
Noninterest expense to average assets | 3.4013% | 2,573 |
Loan and lease loss provision to assets | 0.0666% | 6,698 |
Net operating income to assets | -0.1066% | 5,902 |
Return on assets (ROA) | -0.0984% | 5,923 |
Pretax return on assets | -0.0984% | 5,844 |
Return on Equity (ROE) | -0.9257% | 5,916 |
Retained earnings to average equity (ytd only) | -0.9257% | 5,470 |
Net charge-offs to loans | 1.6264% | 1,254 |
Credit loss provision to net charge-offs | 5.1793% | 6,642 |
Earnings coverage of net charge-offs (x) | -0.0311% | 6,103 |
Efficiency ratio | 101.1897% | 1,012 |
Assets per employee ($millions) | 5.5208% | 1,596 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2736% | 4,661 |
Loan loss allowance to noncurrent loans | 1,802.6667% | 215 |
Noncurrent assets plus other real estate owned to assets | 0.5402% | 6,106 |
Noncurrent loans to loans | 0.0707% | 7,320 |
Net loans and leases to total assets | 67.7975% | 4,000 |
Net loans and leases to deposits | 74.6831% | 5,269 |
Net loans and leases to core deposits | 93.1184% | 5,119 |
Total domestic deposits to total assets | 90.7802% | 488 |
Equity capital to assets | 8.9351% | 5,582 |
Core capital (leverage) ratio | 8.6133% | 5,289 |
Tier 1 risk-based capital ratio | 10.9382% | 6,003 |
Total risk-based capital ratio | 12.0438% | 6,134 |
Memoranda: | ||
Average total assets | $130,025,000 | 4,372 |
Average earning assets | $115,946,750 | 4,429 |
Average equity | $13,827,500 | 4,331 |
Average total loans | $102,882,500 | 3,908 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.7490% | 3,299 |
Cost of funding earning assets | 2.0449% | 3,545 |
Net interest margin | 3.7041% | 3,936 |
Noninterest income to average assets | 0.2232% | 6,697 |
Noninterest expense to average assets | 3.5539% | 2,184 |
Loan and lease loss provision to assets | 0.0657% | 6,552 |
Net operating income to assets | -0.0870% | 5,982 |
Return on assets (ROA) | -0.0739% | 6,026 |
Pretax return on assets | -0.0739% | 5,967 |
Return on Equity (ROE) | -0.6506% | 6,021 |
Retained earnings to average equity (ytd only) | -0.6506% | 5,387 |
Net charge-offs to loans | 2.4658% | 710 |
Credit loss provision to net charge-offs | 3.1873% | 6,228 |
Earnings coverage of net charge-offs (x) | -0.0104% | 5,700 |
Efficiency ratio | 100.6041% | 1,147 |
Assets per employee ($millions) | 4.1106% | 3,466 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2593% | 4,547 |
Loan loss allowance to noncurrent loans | 105.5688% | 2,766 |
Noncurrent assets plus other real estate owned to assets | 0.9864% | 4,998 |
Noncurrent loans to loans | 1.1929% | 4,834 |
Net loans and leases to total assets | 81.6508% | 1,017 |
Net loans and leases to deposits | 91.8980% | 2,489 |
Net loans and leases to core deposits | 108.4581% | 3,561 |
Total domestic deposits to total assets | 88.8494% | 1,351 |
Equity capital to assets | 10.8414% | 3,068 |
Core capital (leverage) ratio | 10.6442% | 2,705 |
Tier 1 risk-based capital ratio | 11.6028% | 5,284 |
Total risk-based capital ratio | 12.7517% | 5,299 |
Memoranda: | ||
Average total assets | $121,839,670 | 4,586 |
Average earning assets | $108,853,670 | 4,662 |
Average equity | $13,832,670 | 4,343 |
Average total loans | $101,792,000 | 3,970 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.8664% | 2,955 |
Cost of funding earning assets | 2.1552% | 3,390 |
Net interest margin | 3.7113% | 3,843 |
Noninterest income to average assets | 0.2184% | 6,729 |
Noninterest expense to average assets | 3.4978% | 2,103 |
Loan and lease loss provision to assets | 0.0672% | 6,108 |
Net operating income to assets | -0.0038% | 6,262 |
Return on assets (ROA) | 0.0134% | 6,380 |
Pretax return on assets | -0.0101% | 6,389 |
Return on Equity (ROE) | 0.1156% | 6,388 |
Retained earnings to average equity (ytd only) | 0.1156% | 5,615 |
Net charge-offs to loans | 0.0000% | 5,728 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 99.1429% | 1,167 |
Assets per employee ($millions) | 4.5237% | 2,682 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.4771% | 784 |
Loan loss allowance to noncurrent loans | 95.9191% | 3,159 |
Noncurrent assets plus other real estate owned to assets | 2.1087% | 2,737 |
Noncurrent loans to loans | 2.5825% | 2,555 |
Net loans and leases to total assets | 79.6334% | 1,452 |
Net loans and leases to deposits | 89.5918% | 2,995 |
Net loans and leases to core deposits | 103.7449% | 4,166 |
Total domestic deposits to total assets | 88.8847% | 1,280 |
Equity capital to assets | 10.9243% | 3,036 |
Core capital (leverage) ratio | 10.9253% | 2,562 |
Tier 1 risk-based capital ratio | 12.1115% | 4,861 |
Total risk-based capital ratio | 13.3740% | 4,751 |
Memoranda: | ||
Average total assets | $119,045,500 | 4,679 |
Average earning assets | $106,163,500 | 4,744 |
Average equity | $13,841,500 | 4,373 |
Average total loans | $100,001,500 | 4,028 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.4659% | 3,133 |
Cost of funding earning assets | 2.5129% | 4,138 |
Net interest margin | 3.9531% | 3,344 |
Noninterest income to average assets | 0.2469% | 6,680 |
Noninterest expense to average assets | 3.9462% | 1,491 |
Loan and lease loss provision to assets | 2.0195% | 592 |
Net operating income to assets | -2.6092% | 7,734 |
Return on assets (ROA) | -2.6049% | 7,705 |
Pretax return on assets | -2.2696% | 7,526 |
Return on Equity (ROE) | -15.4729% | 7,605 |
Retained earnings to average equity (ytd only) | -15.4729% | 7,487 |
Net charge-offs to loans | 0.0755% | 5,680 |
Credit loss provision to net charge-offs | 3,344.6429% | 152 |
Earnings coverage of net charge-offs (x) | -4.2143% | 6,812 |
Efficiency ratio | 106.8925% | 788 |
Assets per employee ($millions) | 3.8423% | 3,874 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.6322% | 593 |
Loan loss allowance to noncurrent loans | 4,539.2857% | 144 |
Noncurrent assets plus other real estate owned to assets | 0.0503% | 7,379 |
Noncurrent loans to loans | 0.0580% | 7,277 |
Net loans and leases to total assets | 84.3890% | 823 |
Net loans and leases to deposits | 99.6091% | 1,887 |
Net loans and leases to core deposits | 111.0871% | 3,670 |
Total domestic deposits to total assets | 84.7202% | 2,967 |
Equity capital to assets | 12.4260% | 2,050 |
Core capital (leverage) ratio | 12.8546% | 1,592 |
Tier 1 risk-based capital ratio | 13.3000% | 3,930 |
Total risk-based capital ratio | 14.5648% | 3,825 |
Memoranda: | ||
Average total assets | $92,747,600 | 5,268 |
Average earning assets | $80,823,400 | 5,408 |
Average equity | $15,614,400 | 4,000 |
Average total loans | $74,205,400 | 4,730 |