Home > Gateway Bank of Central Florida > Performance and Condition Ratios
Gateway Bank of Central Florida, Performance and Condition Ratios
2017-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9018% | 3,396 |
Cost of funding earning assets | 0.3118% | 3,926 |
Net interest margin | 3.5901% | 2,923 |
Noninterest income to average assets | 0.0751% | 5,659 |
Noninterest expense to average assets | 2.1275% | 4,798 |
Loan and lease loss provision to assets | 0.0216% | 3,298 |
Net operating income to assets | 0.8949% | 2,789 |
Return on assets (ROA) | 0.8949% | 2,835 |
Pretax return on assets | 1.2499% | 2,415 |
Return on Equity (ROE) | 10.1322% | 1,914 |
Retained earnings to average equity (ytd only) | 10.1322% | 784 |
Net charge-offs to loans | -0.0020% | 4,011 |
Credit loss provision to net charge-offs | -1,500.0000% | 4,497 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 62.5902% | 4,060 |
Assets per employee ($millions) | 7.4746% | 764 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0988% | 3,722 |
Loan loss allowance to noncurrent loans | 381.0671% | 1,318 |
Noncurrent assets plus other real estate owned to assets | 0.2802% | 4,090 |
Noncurrent loans to loans | 0.2884% | 4,083 |
Net loans and leases to total assets | 72.0537% | 2,070 |
Net loans and leases to deposits | 87.9799% | 1,798 |
Net loans and leases to core deposits | 88.2632% | 2,524 |
Total domestic deposits to total assets | 81.8979% | 4,193 |
Equity capital to assets | 9.0064% | 4,799 |
Core capital (leverage) ratio | 8.9748% | 4,768 |
Tier 1 risk-based capital ratio | 11.5636% | 4,987 |
Total risk-based capital ratio | 12.5933% | 5,026 |
Memoranda: | ||
Average total assets | $277,138,500 | 2,351 |
Average earning assets | $256,598,000 | 2,343 |
Average equity | $24,476,500 | 2,754 |
Average total loans | $200,268,000 | 2,181 |
2016-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9258% | 3,476 |
Cost of funding earning assets | 0.3383% | 3,647 |
Net interest margin | 3.5874% | 3,117 |
Noninterest income to average assets | 0.3097% | 4,520 |
Noninterest expense to average assets | 2.2392% | 4,679 |
Loan and lease loss provision to assets | 0.1069% | 2,263 |
Net operating income to assets | 0.8780% | 2,942 |
Return on assets (ROA) | 0.9328% | 2,773 |
Pretax return on assets | 1.3167% | 2,224 |
Return on Equity (ROE) | 10.8230% | 1,648 |
Retained earnings to average equity (ytd only) | 8.6916% | 649 |
Net charge-offs to loans | 0.1139% | 2,122 |
Credit loss provision to net charge-offs | 135.9813% | 1,996 |
Earnings coverage of net charge-offs (x) | 17.1262% | 2,071 |
Efficiency ratio | 62.4488% | 4,181 |
Assets per employee ($millions) | 7.3084% | 798 |
Cash dividends to net income (ytd only)* | 19.6928% | 3,735 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1042% | 3,687 |
Loan loss allowance to noncurrent loans | 768.5315% | 746 |
Noncurrent assets plus other real estate owned to assets | 0.1728% | 4,630 |
Noncurrent loans to loans | 0.1437% | 4,658 |
Net loans and leases to total assets | 70.8823% | 2,351 |
Net loans and leases to deposits | 86.1384% | 2,150 |
Net loans and leases to core deposits | 88.1287% | 2,660 |
Total domestic deposits to total assets | 82.2889% | 3,996 |
Equity capital to assets | 8.6581% | 5,145 |
Core capital (leverage) ratio | 8.7899% | 4,977 |
Tier 1 risk-based capital ratio | 11.3201% | 5,164 |
Total risk-based capital ratio | 12.3467% | 5,177 |
Memoranda: | ||
Average total assets | $272,200,600 | 2,343 |
Average earning assets | $248,561,600 | 2,368 |
Average equity | $23,459,400 | 2,851 |
Average total loans | $187,895,400 | 2,230 |
2016-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9266% | 3,505 |
Cost of funding earning assets | 0.3436% | 3,618 |
Net interest margin | 3.5830% | 3,148 |
Noninterest income to average assets | 0.2531% | 4,952 |
Noninterest expense to average assets | 2.2957% | 4,541 |
Loan and lease loss provision to assets | 0.1433% | 1,631 |
Net operating income to assets | 0.7694% | 3,519 |
Return on assets (ROA) | 0.8438% | 3,298 |
Pretax return on assets | 1.1776% | 2,927 |
Return on Equity (ROE) | 9.8026% | 2,141 |
Retained earnings to average equity (ytd only) | 6.9430% | 1,660 |
Net charge-offs to loans | 0.0951% | 2,001 |
Credit loss provision to net charge-offs | 220.4545% | 1,336 |
Earnings coverage of net charge-offs (x) | 18.7344% | 1,978 |
Efficiency ratio | 65.3447% | 3,702 |
Assets per employee ($millions) | 6.5833% | 1,058 |
Cash dividends to net income (ytd only)* | 29.1715% | 2,863 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1965% | 3,258 |
Loan loss allowance to noncurrent loans | 894.1176% | 649 |
Noncurrent assets plus other real estate owned to assets | 0.4879% | 3,487 |
Noncurrent loans to loans | 0.1338% | 4,805 |
Net loans and leases to total assets | 68.0911% | 2,790 |
Net loans and leases to deposits | 83.0431% | 2,594 |
Net loans and leases to core deposits | 85.7551% | 2,971 |
Total domestic deposits to total assets | 81.9949% | 3,937 |
Equity capital to assets | 8.6564% | 5,429 |
Core capital (leverage) ratio | 8.6061% | 5,254 |
Tier 1 risk-based capital ratio | 11.2920% | 5,204 |
Total risk-based capital ratio | 12.3918% | 5,207 |
Memoranda: | ||
Average total assets | $270,821,250 | 2,365 |
Average earning assets | $246,415,500 | 2,397 |
Average equity | $23,313,000 | 2,881 |
Average total loans | $185,106,500 | 2,264 |
2016-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9162% | 3,555 |
Cost of funding earning assets | 0.3545% | 3,521 |
Net interest margin | 3.5617% | 3,243 |
Noninterest income to average assets | 0.2447% | 5,019 |
Noninterest expense to average assets | 2.3173% | 4,559 |
Loan and lease loss provision to assets | 0.1919% | 1,127 |
Net operating income to assets | 0.7004% | 3,785 |
Return on assets (ROA) | 0.8129% | 3,383 |
Pretax return on assets | 1.1341% | 3,065 |
Return on Equity (ROE) | 9.4609% | 2,288 |
Retained earnings to average equity (ytd only) | 5.1329% | 2,641 |
Net charge-offs to loans | 0.2455% | 962 |
Credit loss provision to net charge-offs | 114.6667% | 1,919 |
Earnings coverage of net charge-offs (x) | 6.9911% | 2,682 |
Efficiency ratio | 66.4534% | 3,607 |
Assets per employee ($millions) | 6.2122% | 1,253 |
Cash dividends to net income (ytd only)* | 45.7457% | 2,153 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1469% | 3,673 |
Loan loss allowance to noncurrent loans | 940.6114% | 609 |
Noncurrent assets plus other real estate owned to assets | 0.4840% | 3,595 |
Noncurrent loans to loans | 0.1219% | 4,959 |
Net loans and leases to total assets | 67.9238% | 2,783 |
Net loans and leases to deposits | 80.3244% | 2,890 |
Net loans and leases to core deposits | 82.7525% | 3,201 |
Total domestic deposits to total assets | 84.5619% | 3,070 |
Equity capital to assets | 8.6238% | 5,523 |
Core capital (leverage) ratio | 8.4155% | 5,434 |
Tier 1 risk-based capital ratio | 11.0914% | 5,368 |
Total risk-based capital ratio | 12.1400% | 5,404 |
Memoranda: | ||
Average total assets | $268,928,330 | 2,393 |
Average earning assets | $244,827,330 | 2,423 |
Average equity | $23,105,670 | 2,915 |
Average total loans | $183,291,330 | 2,282 |
2016-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8996% | 3,589 |
Cost of funding earning assets | 0.3801% | 3,293 |
Net interest margin | 3.5195% | 3,396 |
Noninterest income to average assets | 0.2265% | 5,118 |
Noninterest expense to average assets | 2.3050% | 4,646 |
Loan and lease loss provision to assets | 0.1800% | 1,124 |
Net operating income to assets | 0.6929% | 3,750 |
Return on assets (ROA) | 0.6929% | 3,860 |
Pretax return on assets | 0.9493% | 3,662 |
Return on Equity (ROE) | 8.0796% | 2,866 |
Retained earnings to average equity (ytd only) | 8.0796% | 1,422 |
Net charge-offs to loans | 0.1856% | 1,051 |
Credit loss provision to net charge-offs | 142.8571% | 1,304 |
Earnings coverage of net charge-offs (x) | 8.9643% | 2,019 |
Efficiency ratio | 67.1179% | 3,612 |
Assets per employee ($millions) | 6.1782% | 1,287 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1792% | 3,607 |
Loan loss allowance to noncurrent loans | 158.4864% | 2,664 |
Noncurrent assets plus other real estate owned to assets | 0.5720% | 3,349 |
Noncurrent loans to loans | 0.7441% | 2,975 |
Net loans and leases to total assets | 66.4940% | 2,879 |
Net loans and leases to deposits | 78.5587% | 2,944 |
Net loans and leases to core deposits | 80.2680% | 3,295 |
Total domestic deposits to total assets | 84.6425% | 3,258 |
Equity capital to assets | 8.5587% | 5,527 |
Core capital (leverage) ratio | 8.3963% | 5,483 |
Tier 1 risk-based capital ratio | 11.2686% | 5,359 |
Total risk-based capital ratio | 12.3417% | 5,365 |
Memoranda: | ||
Average total assets | $266,724,000 | 2,418 |
Average earning assets | $243,101,000 | 2,439 |
Average equity | $22,872,500 | 2,939 |
Average total loans | $181,029,500 | 2,299 |
2015-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1679% | 2,678 |
Cost of funding earning assets | 0.4315% | 2,835 |
Net interest margin | 3.7364% | 2,619 |
Noninterest income to average assets | 0.2752% | 4,917 |
Noninterest expense to average assets | 2.6690% | 3,693 |
Loan and lease loss provision to assets | -0.0221% | 5,669 |
Net operating income to assets | 0.7605% | 3,525 |
Return on assets (ROA) | 0.7605% | 3,615 |
Pretax return on assets | 1.0334% | 3,333 |
Return on Equity (ROE) | 7.9968% | 2,961 |
Retained earnings to average equity (ytd only) | 7.9968% | 919 |
Net charge-offs to loans | 0.2899% | 1,052 |
Credit loss provision to net charge-offs | -10.7991% | 4,950 |
Earnings coverage of net charge-offs (x) | 4.9374% | 3,466 |
Efficiency ratio | 72.5207% | 2,824 |
Assets per employee ($millions) | 6.0839% | 1,328 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1840% | 3,567 |
Loan loss allowance to noncurrent loans | 139.1732% | 2,971 |
Noncurrent assets plus other real estate owned to assets | 0.6567% | 3,072 |
Noncurrent loans to loans | 0.8507% | 2,660 |
Net loans and leases to total assets | 67.6675% | 2,758 |
Net loans and leases to deposits | 80.2171% | 2,798 |
Net loans and leases to core deposits | 82.2300% | 3,122 |
Total domestic deposits to total assets | 84.3555% | 3,350 |
Equity capital to assets | 8.5927% | 5,477 |
Core capital (leverage) ratio | 8.5270% | 5,395 |
Tier 1 risk-based capital ratio | 11.2070% | 5,420 |
Total risk-based capital ratio | 12.3073% | 5,393 |
Memoranda: | ||
Average total assets | $226,042,000 | 2,696 |
Average earning assets | $206,001,800 | 2,708 |
Average equity | $21,496,200 | 3,027 |
Average total loans | $159,687,200 | 2,476 |
2015-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2695% | 2,336 |
Cost of funding earning assets | 0.4439% | 2,751 |
Net interest margin | 3.8256% | 2,283 |
Noninterest income to average assets | 0.2702% | 5,001 |
Noninterest expense to average assets | 2.7513% | 3,380 |
Loan and lease loss provision to assets | -0.0614% | 5,938 |
Net operating income to assets | 0.7767% | 3,544 |
Return on assets (ROA) | 0.7767% | 3,630 |
Pretax return on assets | 1.0512% | 3,406 |
Return on Equity (ROE) | 7.9368% | 3,108 |
Retained earnings to average equity (ytd only) | 7.9368% | 1,259 |
Net charge-offs to loans | 0.4073% | 631 |
Credit loss provision to net charge-offs | -21.1416% | 4,892 |
Earnings coverage of net charge-offs (x) | 3.4080% | 3,501 |
Efficiency ratio | 73.5434% | 2,629 |
Assets per employee ($millions) | 5.5864% | 1,698 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2809% | 3,202 |
Loan loss allowance to noncurrent loans | 113.1175% | 3,422 |
Noncurrent assets plus other real estate owned to assets | 0.9018% | 2,617 |
Noncurrent loans to loans | 1.1324% | 2,244 |
Net loans and leases to total assets | 67.6988% | 2,732 |
Net loans and leases to deposits | 81.7878% | 2,667 |
Net loans and leases to core deposits | 84.2461% | 3,018 |
Total domestic deposits to total assets | 82.7737% | 3,891 |
Equity capital to assets | 9.3220% | 4,979 |
Core capital (leverage) ratio | 9.3265% | 4,550 |
Tier 1 risk-based capital ratio | 11.8640% | 5,159 |
Total risk-based capital ratio | 13.0324% | 5,130 |
Memoranda: | ||
Average total assets | $217,150,750 | 2,792 |
Average earning assets | $197,019,750 | 2,832 |
Average equity | $21,250,500 | 3,069 |
Average total loans | $154,823,000 | 2,547 |
2015-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3473% | 2,021 |
Cost of funding earning assets | 0.4507% | 2,714 |
Net interest margin | 3.8966% | 1,991 |
Noninterest income to average assets | 0.2688% | 5,030 |
Noninterest expense to average assets | 2.8676% | 3,008 |
Loan and lease loss provision to assets | -0.0946% | 6,077 |
Net operating income to assets | 0.7619% | 3,583 |
Return on assets (ROA) | 0.7619% | 3,685 |
Pretax return on assets | 1.0221% | 3,488 |
Return on Equity (ROE) | 7.6509% | 3,238 |
Retained earnings to average equity (ytd only) | 7.6509% | 1,408 |
Net charge-offs to loans | 0.0393% | 2,891 |
Credit loss provision to net charge-offs | -333.3333% | 5,134 |
Earnings coverage of net charge-offs (x) | 32.6667% | 1,289 |
Efficiency ratio | 75.5611% | 2,443 |
Assets per employee ($millions) | 5.2814% | 1,944 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6349% | 1,800 |
Loan loss allowance to noncurrent loans | 109.1543% | 3,508 |
Noncurrent assets plus other real estate owned to assets | 1.1952% | 2,115 |
Noncurrent loans to loans | 1.4978% | 1,775 |
Net loans and leases to total assets | 69.5727% | 2,390 |
Net loans and leases to deposits | 85.0118% | 2,186 |
Net loans and leases to core deposits | 87.8145% | 2,570 |
Total domestic deposits to total assets | 81.8388% | 4,350 |
Equity capital to assets | 9.8029% | 4,273 |
Core capital (leverage) ratio | 9.4084% | 4,404 |
Tier 1 risk-based capital ratio | 11.7674% | 5,302 |
Total risk-based capital ratio | 13.0243% | 5,203 |
Memoranda: | ||
Average total assets | $211,324,670 | 2,870 |
Average earning assets | $191,244,670 | 2,925 |
Average equity | $21,043,330 | 3,106 |
Average total loans | $152,796,670 | 2,583 |
2015-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3734% | 1,857 |
Cost of funding earning assets | 0.4559% | 2,711 |
Net interest margin | 3.9175% | 1,829 |
Noninterest income to average assets | 0.3162% | 4,659 |
Noninterest expense to average assets | 2.8249% | 3,158 |
Loan and lease loss provision to assets | 0.0000% | 3,703 |
Net operating income to assets | 0.7800% | 3,363 |
Return on assets (ROA) | 0.7800% | 3,495 |
Pretax return on assets | 1.0483% | 3,305 |
Return on Equity (ROE) | 7.7703% | 3,086 |
Retained earnings to average equity (ytd only) | 7.7703% | 1,657 |
Net charge-offs to loans | -0.0577% | 5,590 |
Credit loss provision to net charge-offs | 0.0000% | 2,491 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 72.9342% | 2,998 |
Assets per employee ($millions) | 5.4424% | 1,844 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7407% | 1,635 |
Loan loss allowance to noncurrent loans | 138.1175% | 2,966 |
Noncurrent assets plus other real estate owned to assets | 1.0395% | 2,540 |
Noncurrent loans to loans | 1.2603% | 2,267 |
Net loans and leases to total assets | 68.8719% | 2,307 |
Net loans and leases to deposits | 84.9948% | 1,951 |
Net loans and leases to core deposits | 90.6025% | 2,077 |
Total domestic deposits to total assets | 81.0307% | 4,815 |
Equity capital to assets | 9.7421% | 4,442 |
Core capital (leverage) ratio | 9.6512% | 4,075 |
Tier 1 risk-based capital ratio | 11.8466% | 5,337 |
Total risk-based capital ratio | 13.1003% | 5,228 |
Memoranda: | ||
Average total assets | $208,717,500 | 2,924 |
Average earning assets | $189,510,000 | 2,956 |
Average equity | $20,951,500 | 3,141 |
Average total loans | $152,617,000 | 2,588 |
2014-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5892% | 1,593 |
Cost of funding earning assets | 0.5459% | 2,238 |
Net interest margin | 4.0433% | 1,763 |
Noninterest income to average assets | 0.3173% | 4,847 |
Noninterest expense to average assets | 2.8942% | 3,170 |
Loan and lease loss provision to assets | 0.0000% | 4,603 |
Net operating income to assets | 0.8019% | 3,359 |
Return on assets (ROA) | 0.8279% | 3,325 |
Pretax return on assets | 1.0620% | 3,247 |
Return on Equity (ROE) | 8.0555% | 3,107 |
Retained earnings to average equity (ytd only) | 8.0555% | 1,002 |
Net charge-offs to loans | 0.0774% | 3,382 |
Credit loss provision to net charge-offs | 0.0000% | 4,203 |
Earnings coverage of net charge-offs (x) | 18.4952% | 1,844 |
Efficiency ratio | 73.7780% | 2,870 |
Assets per employee ($millions) | 5.1216% | 2,166 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7255% | 1,711 |
Loan loss allowance to noncurrent loans | 188.1429% | 2,354 |
Noncurrent assets plus other real estate owned to assets | 0.9452% | 2,857 |
Noncurrent loans to loans | 0.9171% | 3,020 |
Net loans and leases to total assets | 75.1043% | 1,402 |
Net loans and leases to deposits | 99.6718% | 640 |
Net loans and leases to core deposits | 110.3507% | 759 |
Total domestic deposits to total assets | 75.3516% | 5,817 |
Equity capital to assets | 10.3609% | 3,655 |
Core capital (leverage) ratio | 10.1525% | 3,365 |
Tier 1 risk-based capital ratio | 12.1495% | 5,262 |
Total risk-based capital ratio | 13.4041% | 5,167 |
Memoranda: | ||
Average total assets | $188,788,400 | 3,114 |
Average earning assets | $168,352,200 | 3,178 |
Average equity | $19,403,000 | 3,229 |
Average total loans | $135,639,400 | 2,769 |
2014-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5815% | 1,609 |
Cost of funding earning assets | 0.5619% | 2,178 |
Net interest margin | 4.0196% | 1,823 |
Noninterest income to average assets | 0.3555% | 4,598 |
Noninterest expense to average assets | 2.9533% | 2,956 |
Loan and lease loss provision to assets | 0.0000% | 4,401 |
Net operating income to assets | 0.7758% | 3,531 |
Return on assets (ROA) | 0.8119% | 3,471 |
Pretax return on assets | 1.0205% | 3,518 |
Return on Equity (ROE) | 7.9173% | 3,255 |
Retained earnings to average equity (ytd only) | 7.9173% | 1,405 |
Net charge-offs to loans | 0.1471% | 2,318 |
Credit loss provision to net charge-offs | 0.0000% | 3,801 |
Earnings coverage of net charge-offs (x) | 9.3861% | 2,679 |
Efficiency ratio | 75.1733% | 2,638 |
Assets per employee ($millions) | 5.3220% | 1,885 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8415% | 1,595 |
Loan loss allowance to noncurrent loans | 183.1921% | 2,311 |
Noncurrent assets plus other real estate owned to assets | 1.0000% | 2,951 |
Noncurrent loans to loans | 1.0052% | 3,053 |
Net loans and leases to total assets | 72.1700% | 1,814 |
Net loans and leases to deposits | 94.3044% | 1,011 |
Net loans and leases to core deposits | 97.7042% | 1,537 |
Total domestic deposits to total assets | 76.5288% | 5,750 |
Equity capital to assets | 10.5192% | 3,530 |
Core capital (leverage) ratio | 10.2196% | 3,387 |
Tier 1 risk-based capital ratio | 12.5753% | 5,128 |
Total risk-based capital ratio | 13.8310% | 5,054 |
Memoranda: | ||
Average total assets | $186,050,250 | 3,179 |
Average earning assets | $165,384,250 | 3,241 |
Average equity | $19,080,000 | 3,290 |
Average total loans | $131,387,250 | 2,843 |
2014-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5845% | 1,572 |
Cost of funding earning assets | 0.5770% | 2,100 |
Net interest margin | 4.0075% | 1,785 |
Noninterest income to average assets | 0.3724% | 4,455 |
Noninterest expense to average assets | 2.9880% | 2,874 |
Loan and lease loss provision to assets | 0.0000% | 4,196 |
Net operating income to assets | 0.7676% | 3,475 |
Return on assets (ROA) | 0.7676% | 3,583 |
Pretax return on assets | 0.9435% | 3,708 |
Return on Equity (ROE) | 7.5526% | 3,346 |
Retained earnings to average equity (ytd only) | 7.5526% | 1,503 |
Net charge-offs to loans | 0.0546% | 3,181 |
Credit loss provision to net charge-offs | 0.0000% | 3,401 |
Earnings coverage of net charge-offs (x) | 24.8286% | 1,413 |
Efficiency ratio | 76.0011% | 2,633 |
Assets per employee ($millions) | 4.8161% | 2,449 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0460% | 1,285 |
Loan loss allowance to noncurrent loans | 188.8268% | 2,249 |
Noncurrent assets plus other real estate owned to assets | 1.1431% | 2,792 |
Noncurrent loans to loans | 1.0835% | 3,060 |
Net loans and leases to total assets | 68.9234% | 2,251 |
Net loans and leases to deposits | 90.4205% | 1,330 |
Net loans and leases to core deposits | 92.1513% | 1,929 |
Total domestic deposits to total assets | 76.2253% | 5,890 |
Equity capital to assets | 10.4022% | 3,557 |
Core capital (leverage) ratio | 10.0284% | 3,573 |
Tier 1 risk-based capital ratio | 12.7528% | 5,064 |
Total risk-based capital ratio | 14.0101% | 5,003 |
Memoranda: | ||
Average total assets | $184,203,000 | 3,214 |
Average earning assets | $163,593,330 | 3,276 |
Average equity | $18,722,000 | 3,322 |
Average total loans | $128,227,670 | 2,895 |
2014-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5477% | 1,652 |
Cost of funding earning assets | 0.5910% | 2,054 |
Net interest margin | 3.9567% | 1,902 |
Noninterest income to average assets | 0.3575% | 4,526 |
Noninterest expense to average assets | 3.0901% | 2,566 |
Loan and lease loss provision to assets | 0.0000% | 3,817 |
Net operating income to assets | 0.6250% | 4,066 |
Return on assets (ROA) | 0.6250% | 4,152 |
Pretax return on assets | 0.7764% | 4,196 |
Return on Equity (ROE) | 6.2247% | 3,896 |
Retained earnings to average equity (ytd only) | 6.2247% | 2,423 |
Net charge-offs to loans | 0.0539% | 2,627 |
Credit loss provision to net charge-offs | 0.0000% | 2,688 |
Earnings coverage of net charge-offs (x) | 20.8235% | 1,319 |
Efficiency ratio | 79.9206% | 2,221 |
Assets per employee ($millions) | 4.8851% | 2,389 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1258% | 1,280 |
Loan loss allowance to noncurrent loans | 167.1990% | 2,436 |
Noncurrent assets plus other real estate owned to assets | 1.1814% | 2,895 |
Noncurrent loans to loans | 1.2714% | 2,905 |
Net loans and leases to total assets | 67.5121% | 2,298 |
Net loans and leases to deposits | 86.1412% | 1,593 |
Net loans and leases to core deposits | 87.7615% | 2,121 |
Total domestic deposits to total assets | 78.3737% | 5,771 |
Equity capital to assets | 10.0692% | 3,763 |
Core capital (leverage) ratio | 9.9727% | 3,607 |
Tier 1 risk-based capital ratio | 12.8304% | 5,104 |
Total risk-based capital ratio | 14.0891% | 5,046 |
Memoranda: | ||
Average total assets | $182,391,500 | 3,253 |
Average earning assets | $161,751,500 | 3,326 |
Average equity | $18,314,000 | 3,383 |
Average total loans | $126,261,500 | 2,939 |
2013-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3843% | 2,643 |
Cost of funding earning assets | 0.7072% | 1,766 |
Net interest margin | 3.6771% | 3,146 |
Noninterest income to average assets | 0.3646% | 4,704 |
Noninterest expense to average assets | 3.0656% | 2,848 |
Loan and lease loss provision to assets | -0.0805% | 6,451 |
Net operating income to assets | 0.4885% | 4,782 |
Return on assets (ROA) | 0.5977% | 4,389 |
Pretax return on assets | 0.7608% | 4,295 |
Return on Equity (ROE) | 6.0074% | 4,082 |
Retained earnings to average equity (ytd only) | 6.0074% | 1,963 |
Net charge-offs to loans | 0.2501% | 2,469 |
Credit loss provision to net charge-offs | -48.6577% | 5,795 |
Earnings coverage of net charge-offs (x) | 3.2785% | 3,911 |
Efficiency ratio | 84.9715% | 1,523 |
Assets per employee ($millions) | 4.3695% | 3,138 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.2004% | 1,176 |
Loan loss allowance to noncurrent loans | 186.0734% | 2,220 |
Noncurrent assets plus other real estate owned to assets | 1.1370% | 3,125 |
Noncurrent loans to loans | 1.1826% | 3,178 |
Net loans and leases to total assets | 67.9528% | 2,365 |
Net loans and leases to deposits | 86.1506% | 1,666 |
Net loans and leases to core deposits | 87.8174% | 2,261 |
Total domestic deposits to total assets | 78.8767% | 5,677 |
Equity capital to assets | 10.0118% | 3,754 |
Core capital (leverage) ratio | 9.9080% | 3,688 |
Tier 1 risk-based capital ratio | 12.7156% | 5,165 |
Total risk-based capital ratio | 13.9744% | 5,105 |
Memoranda: | ||
Average total assets | $180,194,000 | 3,270 |
Average earning assets | $158,929,400 | 3,365 |
Average equity | $17,927,800 | 3,428 |
Average total loans | $119,136,200 | 3,059 |
2013-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3534% | 2,768 |
Cost of funding earning assets | 0.7260% | 1,766 |
Net interest margin | 3.6274% | 3,335 |
Noninterest income to average assets | 0.3502% | 4,888 |
Noninterest expense to average assets | 3.0537% | 2,809 |
Loan and lease loss provision to assets | -0.1071% | 6,636 |
Net operating income to assets | 0.4657% | 4,949 |
Return on assets (ROA) | 0.6073% | 4,441 |
Pretax return on assets | 0.7847% | 4,353 |
Return on Equity (ROE) | 6.1139% | 4,125 |
Retained earnings to average equity (ytd only) | 6.1139% | 2,337 |
Net charge-offs to loans | -0.3113% | 6,732 |
Credit loss provision to net charge-offs | 52.7273% | 3,443 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 86.0862% | 1,356 |
Assets per employee ($millions) | 4.3711% | 3,097 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.7876% | 677 |
Loan loss allowance to noncurrent loans | 195.1679% | 2,028 |
Noncurrent assets plus other real estate owned to assets | 1.2550% | 3,126 |
Noncurrent loans to loans | 1.4283% | 3,020 |
Net loans and leases to total assets | 62.9122% | 3,181 |
Net loans and leases to deposits | 78.0999% | 2,652 |
Net loans and leases to core deposits | 80.5976% | 3,060 |
Total domestic deposits to total assets | 80.5535% | 5,344 |
Equity capital to assets | 9.5884% | 4,436 |
Core capital (leverage) ratio | 9.3706% | 4,577 |
Tier 1 risk-based capital ratio | 12.5467% | 5,432 |
Total risk-based capital ratio | 13.8114% | 5,366 |
Memoranda: | ||
Average total assets | $180,455,500 | 3,292 |
Average earning assets | $159,044,750 | 3,391 |
Average equity | $17,925,750 | 3,469 |
Average total loans | $117,801,500 | 3,104 |
2013-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3608% | 2,713 |
Cost of funding earning assets | 0.7380% | 1,788 |
Net interest margin | 3.6228% | 3,272 |
Noninterest income to average assets | 0.4459% | 4,193 |
Noninterest expense to average assets | 3.0622% | 2,791 |
Loan and lease loss provision to assets | 0.0000% | 4,788 |
Net operating income to assets | 0.4306% | 5,105 |
Return on assets (ROA) | 0.6388% | 4,259 |
Pretax return on assets | 0.8517% | 4,114 |
Return on Equity (ROE) | 6.3549% | 3,962 |
Retained earnings to average equity (ytd only) | 6.3549% | 2,229 |
Net charge-offs to loans | -0.4580% | 6,819 |
Credit loss provision to net charge-offs | 0.0000% | 4,003 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 84.2121% | 1,609 |
Assets per employee ($millions) | 4.2941% | 3,182 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.9382% | 625 |
Loan loss allowance to noncurrent loans | 200.5230% | 1,989 |
Noncurrent assets plus other real estate owned to assets | 1.8652% | 2,319 |
Noncurrent loans to loans | 1.4653% | 3,110 |
Net loans and leases to total assets | 61.7408% | 3,342 |
Net loans and leases to deposits | 76.5273% | 2,799 |
Net loans and leases to core deposits | 78.9542% | 3,172 |
Total domestic deposits to total assets | 80.6782% | 5,427 |
Equity capital to assets | 9.5572% | 4,504 |
Core capital (leverage) ratio | 9.3633% | 4,448 |
Tier 1 risk-based capital ratio | 12.7859% | 5,298 |
Total risk-based capital ratio | 14.0528% | 5,218 |
Memoranda: | ||
Average total assets | $179,412,000 | 3,319 |
Average earning assets | $157,998,330 | 3,428 |
Average equity | $18,033,330 | 3,477 |
Average total loans | $117,465,330 | 3,117 |
2013-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4176% | 2,461 |
Cost of funding earning assets | 0.7533% | 1,823 |
Net interest margin | 3.6643% | 3,009 |
Noninterest income to average assets | 0.3394% | 4,982 |
Noninterest expense to average assets | 3.1539% | 2,502 |
Loan and lease loss provision to assets | 0.0000% | 4,409 |
Net operating income to assets | 0.3116% | 5,531 |
Return on assets (ROA) | 0.7172% | 3,746 |
Pretax return on assets | 0.9955% | 3,371 |
Return on Equity (ROE) | 6.9569% | 3,513 |
Retained earnings to average equity (ytd only) | 6.9569% | 2,176 |
Net charge-offs to loans | -0.4222% | 6,829 |
Credit loss provision to net charge-offs | 0.0000% | 3,239 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 87.9495% | 1,335 |
Assets per employee ($millions) | 4.6432% | 2,737 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.8418% | 783 |
Loan loss allowance to noncurrent loans | 187.0968% | 2,000 |
Noncurrent assets plus other real estate owned to assets | 1.9273% | 2,432 |
Noncurrent loans to loans | 1.5189% | 3,270 |
Net loans and leases to total assets | 62.4174% | 2,981 |
Net loans and leases to deposits | 78.1082% | 2,323 |
Net loans and leases to core deposits | 81.4657% | 2,638 |
Total domestic deposits to total assets | 79.9115% | 5,771 |
Equity capital to assets | 10.0583% | 4,068 |
Core capital (leverage) ratio | 9.4954% | 4,091 |
Tier 1 risk-based capital ratio | 12.9592% | 5,252 |
Total risk-based capital ratio | 14.2255% | 5,189 |
Memoranda: | ||
Average total assets | $176,795,000 | 3,391 |
Average earning assets | $156,646,000 | 3,489 |
Average equity | $18,226,500 | 3,496 |
Average total loans | $117,471,500 | 3,137 |
2012-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7986% | 2,206 |
Cost of funding earning assets | 0.8140% | 2,552 |
Net interest margin | 3.9846% | 2,461 |
Noninterest income to average assets | -0.3120% | 6,999 |
Noninterest expense to average assets | 2.8656% | 3,785 |
Loan and lease loss provision to assets | 0.5414% | 1,063 |
Net operating income to assets | -0.2166% | 6,387 |
Return on assets (ROA) | 0.1926% | 5,974 |
Pretax return on assets | 0.1736% | 6,032 |
Return on Equity (ROE) | 1.9293% | 5,922 |
Retained earnings to average equity (ytd only) | 1.9293% | 4,858 |
Net charge-offs to loans | 1.3485% | 702 |
Credit loss provision to net charge-offs | 58.7167% | 4,482 |
Earnings coverage of net charge-offs (x) | 0.3317% | 5,312 |
Efficiency ratio | 90.3555% | 1,034 |
Assets per employee ($millions) | 4.7918% | 2,507 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.6828% | 940 |
Loan loss allowance to noncurrent loans | 94.2536% | 3,483 |
Noncurrent assets plus other real estate owned to assets | 3.4486% | 1,322 |
Noncurrent loans to loans | 2.8463% | 1,845 |
Net loans and leases to total assets | 66.9119% | 2,381 |
Net loans and leases to deposits | 87.4374% | 1,337 |
Net loans and leases to core deposits | 92.6247% | 1,585 |
Total domestic deposits to total assets | 76.5255% | 6,284 |
Equity capital to assets | 10.5730% | 3,437 |
Core capital (leverage) ratio | 9.3615% | 4,316 |
Tier 1 risk-based capital ratio | 12.5275% | 5,453 |
Total risk-based capital ratio | 13.7921% | 5,396 |
Memoranda: | ||
Average total assets | $179,162,400 | 3,326 |
Average earning assets | $156,628,600 | 3,426 |
Average equity | $17,882,000 | 3,492 |
Average total loans | $122,510,000 | 3,028 |
2012-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8409% | 2,235 |
Cost of funding earning assets | 0.8213% | 2,761 |
Net interest margin | 4.0196% | 2,420 |
Noninterest income to average assets | -0.5132% | 7,132 |
Noninterest expense to average assets | 2.8852% | 3,657 |
Loan and lease loss provision to assets | 0.2765% | 2,360 |
Net operating income to assets | -0.1657% | 6,472 |
Return on assets (ROA) | 0.2146% | 6,053 |
Pretax return on assets | 0.2168% | 6,094 |
Return on Equity (ROE) | 2.1806% | 5,977 |
Retained earnings to average equity (ytd only) | 2.1806% | 5,239 |
Net charge-offs to loans | 1.0225% | 1,038 |
Credit loss provision to net charge-offs | 39.5987% | 4,629 |
Earnings coverage of net charge-offs (x) | 0.1563% | 5,254 |
Efficiency ratio | 96.3556% | 664 |
Assets per employee ($millions) | 4.6092% | 2,734 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.7041% | 979 |
Loan loss allowance to noncurrent loans | 122.6071% | 2,731 |
Noncurrent assets plus other real estate owned to assets | 2.4828% | 2,133 |
Noncurrent loans to loans | 2.2055% | 2,616 |
Net loans and leases to total assets | 65.8936% | 2,672 |
Net loans and leases to deposits | 87.2064% | 1,456 |
Net loans and leases to core deposits | 91.6568% | 1,814 |
Total domestic deposits to total assets | 75.5605% | 6,446 |
Equity capital to assets | 10.0936% | 4,364 |
Core capital (leverage) ratio | 9.1861% | 4,785 |
Tier 1 risk-based capital ratio | 12.4332% | 5,687 |
Total risk-based capital ratio | 13.6988% | 5,647 |
Memoranda: | ||
Average total assets | $180,826,500 | 3,336 |
Average earning assets | $157,790,500 | 3,450 |
Average equity | $17,792,750 | 3,532 |
Average total loans | $123,485,250 | 3,042 |
2012-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8949% | 2,132 |
Cost of funding earning assets | 0.8382% | 2,882 |
Net interest margin | 4.0567% | 2,260 |
Noninterest income to average assets | -0.1711% | 7,127 |
Noninterest expense to average assets | 2.8932% | 3,648 |
Loan and lease loss provision to assets | 0.2208% | 2,869 |
Net operating income to assets | 0.2069% | 5,891 |
Return on assets (ROA) | 0.2616% | 5,921 |
Pretax return on assets | 0.3113% | 5,945 |
Return on Equity (ROE) | 2.6817% | 5,815 |
Retained earnings to average equity (ytd only) | 2.6817% | 4,836 |
Net charge-offs to loans | 1.0253% | 1,073 |
Credit loss provision to net charge-offs | 31.4465% | 4,417 |
Earnings coverage of net charge-offs (x) | 0.6651% | 4,728 |
Efficiency ratio | 86.1038% | 1,425 |
Assets per employee ($millions) | 4.9711% | 2,213 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.8399% | 911 |
Loan loss allowance to noncurrent loans | 105.7046% | 3,054 |
Noncurrent assets plus other real estate owned to assets | 3.2242% | 1,689 |
Noncurrent loans to loans | 2.6867% | 2,240 |
Net loans and leases to total assets | 65.5344% | 2,763 |
Net loans and leases to deposits | 86.6884% | 1,519 |
Net loans and leases to core deposits | 91.5148% | 1,820 |
Total domestic deposits to total assets | 75.5976% | 6,517 |
Equity capital to assets | 10.0532% | 4,252 |
Core capital (leverage) ratio | 9.3971% | 4,301 |
Tier 1 risk-based capital ratio | 12.4322% | 5,621 |
Total risk-based capital ratio | 13.6987% | 5,581 |
Memoranda: | ||
Average total assets | $181,182,670 | 3,336 |
Average earning assets | $157,715,000 | 3,469 |
Average equity | $17,675,670 | 3,543 |
Average total loans | $124,066,670 | 3,047 |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0209% | 1,820 |
Cost of funding earning assets | 0.8920% | 2,754 |
Net interest margin | 4.1289% | 1,998 |
Noninterest income to average assets | 0.3357% | 5,175 |
Noninterest expense to average assets | 2.9556% | 3,428 |
Loan and lease loss provision to assets | 0.4388% | 1,426 |
Net operating income to assets | 0.3765% | 5,361 |
Return on assets (ROA) | 0.4279% | 5,322 |
Pretax return on assets | 0.5990% | 5,123 |
Return on Equity (ROE) | 4.4526% | 5,067 |
Retained earnings to average equity (ytd only) | 4.4526% | 3,922 |
Net charge-offs to loans | 2.0199% | 463 |
Credit loss provision to net charge-offs | 31.4961% | 3,598 |
Earnings coverage of net charge-offs (x) | 0.6929% | 3,993 |
Efficiency ratio | 75.3777% | 2,871 |
Assets per employee ($millions) | 4.7491% | 2,594 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.8383% | 972 |
Loan loss allowance to noncurrent loans | 102.3582% | 3,020 |
Noncurrent assets plus other real estate owned to assets | 5.0736% | 1,021 |
Noncurrent loans to loans | 2.7729% | 2,339 |
Net loans and leases to total assets | 65.0447% | 2,640 |
Net loans and leases to deposits | 81.8103% | 1,961 |
Net loans and leases to core deposits | 87.8142% | 2,071 |
Total domestic deposits to total assets | 79.5068% | 5,973 |
Equity capital to assets | 9.8113% | 4,355 |
Core capital (leverage) ratio | 8.9453% | 4,923 |
Tier 1 risk-based capital ratio | 11.9171% | 6,019 |
Total risk-based capital ratio | 13.1828% | 6,001 |
Memoranda: | ||
Average total assets | $182,295,000 | 3,343 |
Average earning assets | $158,299,500 | 3,468 |
Average equity | $17,518,000 | 3,568 |
Average total loans | $125,746,500 | 3,031 |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0850% | 2,508 |
Cost of funding earning assets | 1.1224% | 2,523 |
Net interest margin | 3.9626% | 3,058 |
Noninterest income to average assets | 0.2572% | 5,697 |
Noninterest expense to average assets | 2.8138% | 4,295 |
Loan and lease loss provision to assets | 2.6325% | 157 |
Net operating income to assets | -0.9868% | 6,735 |
Return on assets (ROA) | -0.7329% | 6,652 |
Pretax return on assets | -1.2509% | 6,827 |
Return on Equity (ROE) | -8.0759% | 6,681 |
Retained earnings to average equity (ytd only) | -8.0759% | 6,629 |
Net charge-offs to loans | 3.2019% | 277 |
Credit loss provision to net charge-offs | 112.4609% | 2,938 |
Earnings coverage of net charge-offs (x) | 0.4207% | 5,504 |
Efficiency ratio | 74.0746% | 3,228 |
Assets per employee ($millions) | 4.9764% | 2,235 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.9568% | 846 |
Loan loss allowance to noncurrent loans | 42.5738% | 5,452 |
Noncurrent assets plus other real estate owned to assets | 5.2926% | 979 |
Noncurrent loans to loans | 6.9452% | 640 |
Net loans and leases to total assets | 68.8755% | 2,235 |
Net loans and leases to deposits | 86.1657% | 1,648 |
Net loans and leases to core deposits | 94.7732% | 1,616 |
Total domestic deposits to total assets | 79.9337% | 5,760 |
Equity capital to assets | 9.4121% | 5,008 |
Core capital (leverage) ratio | 8.6068% | 5,386 |
Tier 1 risk-based capital ratio | 11.3311% | 6,275 |
Total risk-based capital ratio | 12.6001% | 6,248 |
Memoranda: | ||
Average total assets | $191,304,000 | 3,168 |
Average earning assets | $170,974,800 | 3,227 |
Average equity | $17,360,400 | 3,521 |
Average total loans | $139,853,600 | 2,790 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1169% | 2,527 |
Cost of funding earning assets | 1.1713% | 2,500 |
Net interest margin | 3.9456% | 3,170 |
Noninterest income to average assets | 0.2486% | 5,840 |
Noninterest expense to average assets | 2.9055% | 3,908 |
Loan and lease loss provision to assets | 2.5624% | 171 |
Net operating income to assets | -1.0404% | 6,903 |
Return on assets (ROA) | -0.7050% | 6,789 |
Pretax return on assets | -1.1621% | 6,925 |
Return on Equity (ROE) | -7.8380% | 6,806 |
Retained earnings to average equity (ytd only) | -7.8380% | 6,757 |
Net charge-offs to loans | 3.4696% | 228 |
Credit loss provision to net charge-offs | 100.3244% | 3,356 |
Earnings coverage of net charge-offs (x) | 0.3431% | 5,354 |
Efficiency ratio | 76.8304% | 2,700 |
Assets per employee ($millions) | 5.1518% | 1,987 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.5136% | 1,379 |
Loan loss allowance to noncurrent loans | 36.4896% | 5,864 |
Noncurrent assets plus other real estate owned to assets | 5.3444% | 1,058 |
Noncurrent loans to loans | 6.8886% | 731 |
Net loans and leases to total assets | 69.3844% | 2,198 |
Net loans and leases to deposits | 87.1954% | 1,532 |
Net loans and leases to core deposits | 96.4553% | 1,563 |
Total domestic deposits to total assets | 79.5734% | 5,852 |
Equity capital to assets | 9.5124% | 5,065 |
Core capital (leverage) ratio | 8.8580% | 5,170 |
Tier 1 risk-based capital ratio | 12.0158% | 5,884 |
Total risk-based capital ratio | 13.2806% | 5,862 |
Memoranda: | ||
Average total assets | $193,098,750 | 3,161 |
Average earning assets | $172,912,500 | 3,200 |
Average equity | $17,368,000 | 3,531 |
Average total loans | $142,146,750 | 2,774 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1421% | 2,498 |
Cost of funding earning assets | 1.2078% | 2,528 |
Net interest margin | 3.9344% | 3,152 |
Noninterest income to average assets | 0.3547% | 5,050 |
Noninterest expense to average assets | 2.9799% | 3,716 |
Loan and lease loss provision to assets | 3.2927% | 128 |
Net operating income to assets | -1.4639% | 7,086 |
Return on assets (ROA) | -1.4639% | 7,099 |
Pretax return on assets | -2.3880% | 7,233 |
Return on Equity (ROE) | -16.5773% | 7,098 |
Retained earnings to average equity (ytd only) | -16.5773% | 7,076 |
Net charge-offs to loans | 3.8810% | 213 |
Credit loss provision to net charge-offs | 114.0581% | 2,685 |
Earnings coverage of net charge-offs (x) | 0.3134% | 5,078 |
Efficiency ratio | 76.7105% | 2,899 |
Assets per employee ($millions) | 4.6921% | 2,555 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.7229% | 1,156 |
Loan loss allowance to noncurrent loans | 39.1893% | 5,706 |
Noncurrent assets plus other real estate owned to assets | 5.8172% | 978 |
Noncurrent loans to loans | 6.9482% | 749 |
Net loans and leases to total assets | 70.4855% | 2,118 |
Net loans and leases to deposits | 88.3040% | 1,458 |
Net loans and leases to core deposits | 96.9321% | 1,590 |
Total domestic deposits to total assets | 79.8214% | 5,878 |
Equity capital to assets | 9.2810% | 5,168 |
Core capital (leverage) ratio | 8.1119% | 6,147 |
Tier 1 risk-based capital ratio | 11.1038% | 6,446 |
Total risk-based capital ratio | 12.3678% | 6,432 |
Memoranda: | ||
Average total assets | $195,643,670 | 3,142 |
Average earning assets | $175,530,670 | 3,190 |
Average equity | $17,276,670 | 3,531 |
Average total loans | $145,528,670 | 2,748 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1720% | 2,342 |
Cost of funding earning assets | 1.2374% | 2,583 |
Net interest margin | 3.9346% | 2,980 |
Noninterest income to average assets | 0.2885% | 5,608 |
Noninterest expense to average assets | 3.1058% | 3,222 |
Loan and lease loss provision to assets | 1.3325% | 506 |
Net operating income to assets | -0.3567% | 6,710 |
Return on assets (ROA) | -0.3567% | 6,715 |
Pretax return on assets | -0.6071% | 6,819 |
Return on Equity (ROE) | -4.1382% | 6,751 |
Retained earnings to average equity (ytd only) | -4.1382% | 6,432 |
Net charge-offs to loans | 0.8836% | 1,501 |
Credit loss provision to net charge-offs | 200.3012% | 1,478 |
Earnings coverage of net charge-offs (x) | 1.0904% | 3,849 |
Efficiency ratio | 81.0669% | 2,357 |
Assets per employee ($millions) | 4.6982% | 2,578 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.4724% | 1,500 |
Loan loss allowance to noncurrent loans | 50.7815% | 4,962 |
Noncurrent assets plus other real estate owned to assets | 4.7490% | 1,336 |
Noncurrent loans to loans | 4.8687% | 1,393 |
Net loans and leases to total assets | 72.7455% | 1,569 |
Net loans and leases to deposits | 90.2929% | 1,198 |
Net loans and leases to core deposits | 101.5579% | 1,229 |
Total domestic deposits to total assets | 80.5661% | 5,797 |
Equity capital to assets | 8.7592% | 5,561 |
Core capital (leverage) ratio | 8.5687% | 5,316 |
Tier 1 risk-based capital ratio | 10.9505% | 6,541 |
Total risk-based capital ratio | 12.2141% | 6,509 |
Memoranda: | ||
Average total assets | $199,623,500 | 3,118 |
Average earning assets | $179,736,500 | 3,148 |
Average equity | $17,205,500 | 3,534 |
Average total loans | $150,296,500 | 2,712 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.6515% | 1,745 |
Cost of funding earning assets | 1.5718% | 2,233 |
Net interest margin | 4.0798% | 2,662 |
Noninterest income to average assets | 0.2537% | 5,985 |
Noninterest expense to average assets | 2.7776% | 4,682 |
Loan and lease loss provision to assets | 1.3119% | 1,167 |
Net operating income to assets | -0.0973% | 5,985 |
Return on assets (ROA) | 0.0570% | 5,832 |
Pretax return on assets | 0.1161% | 5,672 |
Return on Equity (ROE) | 0.6432% | 5,801 |
Retained earnings to average equity (ytd only) | 0.6432% | 5,255 |
Net charge-offs to loans | 1.0416% | 2,118 |
Credit loss provision to net charge-offs | 164.4590% | 2,101 |
Earnings coverage of net charge-offs (x) | 1.4879% | 4,639 |
Efficiency ratio | 70.0620% | 4,171 |
Assets per employee ($millions) | 4.5891% | 2,725 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1550% | 1,954 |
Loan loss allowance to noncurrent loans | 57.6863% | 4,563 |
Noncurrent assets plus other real estate owned to assets | 3.1785% | 2,226 |
Noncurrent loans to loans | 3.7358% | 1,984 |
Net loans and leases to total assets | 74.3371% | 1,592 |
Net loans and leases to deposits | 90.8933% | 1,411 |
Net loans and leases to core deposits | 109.1714% | 974 |
Total domestic deposits to total assets | 81.7850% | 5,247 |
Equity capital to assets | 8.4820% | 5,878 |
Core capital (leverage) ratio | 8.5883% | 5,213 |
Tier 1 risk-based capital ratio | 10.6380% | 6,615 |
Total risk-based capital ratio | 11.8985% | 6,570 |
Memoranda: | ||
Average total assets | $191,171,000 | 3,213 |
Average earning assets | $173,881,800 | 3,206 |
Average equity | $16,947,800 | 3,600 |
Average total loans | $146,408,800 | 2,832 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.6936% | 1,739 |
Cost of funding earning assets | 1.6553% | 2,072 |
Net interest margin | 4.0383% | 2,916 |
Noninterest income to average assets | 0.2320% | 6,231 |
Noninterest expense to average assets | 2.9272% | 3,991 |
Loan and lease loss provision to assets | 0.7237% | 2,112 |
Net operating income to assets | 0.1386% | 5,666 |
Return on assets (ROA) | 0.3473% | 5,153 |
Pretax return on assets | 0.5815% | 4,658 |
Return on Equity (ROE) | 3.8730% | 4,838 |
Retained earnings to average equity (ytd only) | 3.8730% | 3,739 |
Net charge-offs to loans | 0.3336% | 3,987 |
Credit loss provision to net charge-offs | 282.5967% | 1,149 |
Earnings coverage of net charge-offs (x) | 3.8232% | 3,289 |
Efficiency ratio | 74.9366% | 3,156 |
Assets per employee ($millions) | 4.5302% | 2,860 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8925% | 2,508 |
Loan loss allowance to noncurrent loans | 50.3119% | 4,933 |
Noncurrent assets plus other real estate owned to assets | 3.1268% | 2,310 |
Noncurrent loans to loans | 3.7614% | 2,055 |
Net loans and leases to total assets | 79.4130% | 837 |
Net loans and leases to deposits | 99.2506% | 703 |
Net loans and leases to core deposits | 114.4939% | 814 |
Total domestic deposits to total assets | 80.0126% | 5,709 |
Equity capital to assets | 8.8030% | 5,856 |
Core capital (leverage) ratio | 8.8349% | 4,946 |
Tier 1 risk-based capital ratio | 10.4136% | 6,825 |
Total risk-based capital ratio | 11.6707% | 6,817 |
Memoranda: | ||
Average total assets | $188,483,250 | 3,291 |
Average earning assets | $171,486,750 | 3,295 |
Average equity | $16,903,000 | 3,654 |
Average total loans | $144,658,750 | 2,899 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.7218% | 1,681 |
Cost of funding earning assets | 1.7121% | 2,053 |
Net interest margin | 4.0097% | 2,967 |
Noninterest income to average assets | 0.1985% | 6,484 |
Noninterest expense to average assets | 2.9649% | 3,837 |
Loan and lease loss provision to assets | 0.3820% | 3,423 |
Net operating income to assets | 0.2940% | 5,203 |
Return on assets (ROA) | 0.2940% | 5,353 |
Pretax return on assets | 0.4958% | 4,913 |
Return on Equity (ROE) | 3.2578% | 5,114 |
Retained earnings to average equity (ytd only) | 3.2578% | 4,026 |
Net charge-offs to loans | 0.0827% | 5,316 |
Credit loss provision to net charge-offs | 613.7931% | 593 |
Earnings coverage of net charge-offs (x) | 14.1034% | 1,545 |
Efficiency ratio | 77.1572% | 2,868 |
Assets per employee ($millions) | 4.9461% | 2,246 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7590% | 2,854 |
Loan loss allowance to noncurrent loans | 87.5710% | 3,106 |
Noncurrent assets plus other real estate owned to assets | 1.5937% | 4,057 |
Noncurrent loans to loans | 2.0087% | 3,703 |
Net loans and leases to total assets | 73.9900% | 1,911 |
Net loans and leases to deposits | 91.2237% | 1,666 |
Net loans and leases to core deposits | 108.9734% | 1,234 |
Total domestic deposits to total assets | 81.1083% | 5,369 |
Equity capital to assets | 8.7322% | 5,843 |
Core capital (leverage) ratio | 8.6441% | 5,166 |
Tier 1 risk-based capital ratio | 10.6851% | 6,539 |
Total risk-based capital ratio | 11.9403% | 6,525 |
Memoranda: | ||
Average total assets | $186,378,330 | 3,357 |
Average earning assets | $169,387,330 | 3,348 |
Average equity | $16,821,330 | 3,666 |
Average total loans | $140,318,670 | 3,007 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.6845% | 1,835 |
Cost of funding earning assets | 1.7080% | 2,351 |
Net interest margin | 3.9765% | 2,970 |
Noninterest income to average assets | 0.1639% | 6,798 |
Noninterest expense to average assets | 3.1066% | 3,234 |
Loan and lease loss provision to assets | 0.3233% | 3,476 |
Net operating income to assets | 0.2104% | 5,645 |
Return on assets (ROA) | 0.2104% | 5,765 |
Pretax return on assets | 0.3631% | 5,403 |
Return on Equity (ROE) | 2.2900% | 5,637 |
Retained earnings to average equity (ytd only) | 2.2900% | 4,762 |
Net charge-offs to loans | 0.0000% | 5,609 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 81.9031% | 2,281 |
Assets per employee ($millions) | 4.4358% | 3,063 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7747% | 2,810 |
Loan loss allowance to noncurrent loans | 158.6761% | 1,765 |
Noncurrent assets plus other real estate owned to assets | 0.9248% | 5,299 |
Noncurrent loans to loans | 1.1184% | 5,122 |
Net loans and leases to total assets | 73.3502% | 2,114 |
Net loans and leases to deposits | 94.3274% | 1,312 |
Net loans and leases to core deposits | 114.9559% | 998 |
Total domestic deposits to total assets | 77.7612% | 6,380 |
Equity capital to assets | 8.9853% | 5,301 |
Core capital (leverage) ratio | 9.1862% | 4,249 |
Tier 1 risk-based capital ratio | 11.0956% | 6,065 |
Total risk-based capital ratio | 12.3506% | 6,032 |
Memoranda: | ||
Average total assets | $180,646,000 | 3,493 |
Average earning assets | $164,869,000 | 3,481 |
Average equity | $16,594,000 | 3,737 |
Average total loans | $135,975,500 | 3,147 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.8362% | 2,499 |
Cost of funding earning assets | 2.4184% | 1,245 |
Net interest margin | 3.4178% | 5,302 |
Noninterest income to average assets | 0.1314% | 7,099 |
Noninterest expense to average assets | 2.8647% | 4,678 |
Loan and lease loss provision to assets | 0.5659% | 3,547 |
Net operating income to assets | -0.1339% | 5,731 |
Return on assets (ROA) | 0.0037% | 5,527 |
Pretax return on assets | 0.0359% | 5,358 |
Return on Equity (ROE) | 0.0389% | 5,525 |
Retained earnings to average equity (ytd only) | 0.0389% | 4,887 |
Net charge-offs to loans | 0.0000% | 7,246 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 88.1052% | 1,869 |
Assets per employee ($millions) | 4.4868% | 2,948 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7489% | 2,717 |
Loan loss allowance to noncurrent loans | 149.2931% | 1,918 |
Noncurrent assets plus other real estate owned to assets | 0.9846% | 5,143 |
Noncurrent loans to loans | 1.1714% | 4,987 |
Net loans and leases to total assets | 74.5793% | 2,126 |
Net loans and leases to deposits | 92.8121% | 1,763 |
Net loans and leases to core deposits | 124.5564% | 1,602 |
Total domestic deposits to total assets | 80.3551% | 5,564 |
Equity capital to assets | 9.3996% | 4,554 |
Core capital (leverage) ratio | 9.1834% | 4,146 |
Tier 1 risk-based capital ratio | 11.5067% | 5,387 |
Total risk-based capital ratio | 12.7624% | 5,344 |
Memoranda: | ||
Average total assets | $161,344,200 | 3,744 |
Average earning assets | $147,287,200 | 3,759 |
Average equity | $15,419,800 | 3,987 |
Average total loans | $117,574,400 | 3,536 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.7734% | 3,011 |
Cost of funding earning assets | 2.5241% | 1,227 |
Net interest margin | 3.2493% | 5,839 |
Noninterest income to average assets | 0.1883% | 6,870 |
Noninterest expense to average assets | 2.9936% | 4,070 |
Loan and lease loss provision to assets | 0.4145% | 3,837 |
Net operating income to assets | -0.1932% | 6,052 |
Return on assets (ROA) | -0.1047% | 5,929 |
Pretax return on assets | -0.1376% | 5,894 |
Return on Equity (ROE) | -1.0904% | 5,948 |
Retained earnings to average equity (ytd only) | -1.0904% | 5,513 |
Net charge-offs to loans | 0.0000% | 6,987 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 94.9143% | 1,338 |
Assets per employee ($millions) | 4.7343% | 2,500 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4965% | 3,467 |
Loan loss allowance to noncurrent loans | 1,728.1818% | 227 |
Noncurrent assets plus other real estate owned to assets | 0.1581% | 7,145 |
Noncurrent loans to loans | 0.0866% | 7,270 |
Net loans and leases to total assets | 71.4339% | 3,171 |
Net loans and leases to deposits | 89.4853% | 2,675 |
Net loans and leases to core deposits | 119.9770% | 2,247 |
Total domestic deposits to total assets | 79.8275% | 5,512 |
Equity capital to assets | 9.5445% | 4,686 |
Core capital (leverage) ratio | 9.3484% | 4,117 |
Tier 1 risk-based capital ratio | 11.7083% | 5,236 |
Total risk-based capital ratio | 12.9576% | 5,184 |
Memoranda: | ||
Average total assets | $157,933,500 | 3,828 |
Average earning assets | $144,151,750 | 3,836 |
Average equity | $15,162,750 | 4,067 |
Average total loans | $113,761,250 | 3,641 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.7082% | 3,489 |
Cost of funding earning assets | 2.6053% | 1,271 |
Net interest margin | 3.1029% | 6,229 |
Noninterest income to average assets | 0.2116% | 6,789 |
Noninterest expense to average assets | 3.0344% | 3,954 |
Loan and lease loss provision to assets | 0.3299% | 3,957 |
Net operating income to assets | -0.2287% | 6,229 |
Return on assets (ROA) | -0.2287% | 6,250 |
Pretax return on assets | -0.3338% | 6,265 |
Return on Equity (ROE) | -2.3764% | 6,282 |
Retained earnings to average equity (ytd only) | -2.3764% | 5,835 |
Net charge-offs to loans | 0.0000% | 6,628 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 100.1301% | 1,167 |
Assets per employee ($millions) | 4.5936% | 2,619 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4085% | 3,678 |
Loan loss allowance to noncurrent loans | 1,510.0000% | 253 |
Noncurrent assets plus other real estate owned to assets | 0.2086% | 6,985 |
Noncurrent loans to loans | 0.0933% | 7,295 |
Net loans and leases to total assets | 70.3090% | 3,623 |
Net loans and leases to deposits | 88.6779% | 3,060 |
Net loans and leases to core deposits | 118.2916% | 2,521 |
Total domestic deposits to total assets | 79.2858% | 5,724 |
Equity capital to assets | 8.7809% | 5,625 |
Core capital (leverage) ratio | 8.7952% | 4,950 |
Tier 1 risk-based capital ratio | 10.6110% | 6,274 |
Total risk-based capital ratio | 11.8612% | 6,214 |
Memoranda: | ||
Average total assets | $152,188,330 | 3,960 |
Average earning assets | $138,256,670 | 3,987 |
Average equity | $14,644,000 | 4,174 |
Average total loans | $109,338,000 | 3,775 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.7632% | 3,466 |
Cost of funding earning assets | 2.6805% | 1,323 |
Net interest margin | 3.0826% | 6,245 |
Noninterest income to average assets | 0.1868% | 6,954 |
Noninterest expense to average assets | 2.9753% | 3,870 |
Loan and lease loss provision to assets | 0.1868% | 4,572 |
Net operating income to assets | -0.1456% | 6,476 |
Return on assets (ROA) | -0.1456% | 6,579 |
Pretax return on assets | -0.1951% | 6,568 |
Return on Equity (ROE) | -1.4416% | 6,605 |
Retained earnings to average equity (ytd only) | -1.4416% | 5,987 |
Net charge-offs to loans | 0.0000% | 5,728 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 100.2778% | 1,117 |
Assets per employee ($millions) | 4.2822% | 3,108 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3762% | 3,633 |
Loan loss allowance to noncurrent loans | 1,343.6364% | 315 |
Noncurrent assets plus other real estate owned to assets | 0.3990% | 6,301 |
Noncurrent loans to loans | 0.1024% | 7,236 |
Net loans and leases to total assets | 70.6698% | 3,538 |
Net loans and leases to deposits | 92.3273% | 2,539 |
Net loans and leases to core deposits | 131.5576% | 1,566 |
Total domestic deposits to total assets | 76.5426% | 6,394 |
Equity capital to assets | 9.7741% | 4,271 |
Core capital (leverage) ratio | 9.5517% | 3,919 |
Tier 1 risk-based capital ratio | 11.4881% | 5,427 |
Total risk-based capital ratio | 12.7190% | 5,341 |
Memoranda: | ||
Average total assets | $145,597,500 | 4,084 |
Average earning assets | $131,317,000 | 4,127 |
Average equity | $14,705,500 | 4,193 |
Average total loans | $105,041,500 | 3,906 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.9693% | 5,704 |
Cost of funding earning assets | 2.7703% | 2,832 |
Net interest margin | 3.1990% | 6,367 |
Noninterest income to average assets | 0.2120% | 6,922 |
Noninterest expense to average assets | 3.3554% | 2,811 |
Loan and lease loss provision to assets | 0.8841% | 1,691 |
Net operating income to assets | -0.7143% | 7,075 |
Return on assets (ROA) | -0.7080% | 6,973 |
Pretax return on assets | -1.1000% | 7,058 |
Return on Equity (ROE) | -4.9264% | 6,856 |
Retained earnings to average equity (ytd only) | -4.9264% | 6,500 |
Net charge-offs to loans | 0.1859% | 4,341 |
Credit loss provision to net charge-offs | 644.6809% | 659 |
Earnings coverage of net charge-offs (x) | -1.6454% | 6,683 |
Efficiency ratio | 107.2094% | 777 |
Assets per employee ($millions) | 4.4162% | 2,761 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3721% | 3,353 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.3453% | 6,216 |
Noncurrent loans to loans | 0.0000% | 7,569 |
Net loans and leases to total assets | 71.6669% | 3,661 |
Net loans and leases to deposits | 107.9423% | 979 |
Net loans and leases to core deposits | 145.1300% | 1,046 |
Total domestic deposits to total assets | 66.3938% | 7,628 |
Equity capital to assets | 10.4459% | 3,563 |
Core capital (leverage) ratio | 10.5355% | 2,950 |
Tier 1 risk-based capital ratio | 12.2911% | 4,590 |
Total risk-based capital ratio | 13.5415% | 4,475 |
Memoranda: | ||
Average total assets | $102,820,400 | 4,966 |
Average earning assets | $93,780,400 | 4,974 |
Average equity | $14,777,600 | 4,181 |
Average total loans | $75,848,000 | 4,658 |