Home > Gateway Bank of Florida > Performance and Condition Ratios
Gateway Bank of 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 | 3.4968% | 4,699 |
Cost of funding earning assets | 0.5175% | 1,953 |
Net interest margin | 2.9793% | 4,932 |
Noninterest income to average assets | 0.0970% | 5,603 |
Noninterest expense to average assets | 1.8629% | 5,288 |
Loan and lease loss provision to assets | 0.0000% | 3,537 |
Net operating income to assets | 0.7435% | 3,503 |
Return on assets (ROA) | 0.7435% | 3,558 |
Pretax return on assets | 1.0183% | 3,292 |
Return on Equity (ROE) | 7.7022% | 3,072 |
Retained earnings to average equity (ytd only) | -2.7628% | 5,241 |
Net charge-offs to loans | -0.0539% | 5,217 |
Credit loss provision to net charge-offs | 0.0000% | 2,277 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 64.6564% | 3,717 |
Assets per employee ($millions) | 9.0742% | 418 |
Cash dividends to net income (ytd only)* | 135.8696% | 452 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3649% | 2,234 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0892% | 4,917 |
Noncurrent loans to loans | 0.0000% | 5,285 |
Net loans and leases to total assets | 51.5650% | 4,552 |
Net loans and leases to deposits | 62.7150% | 4,388 |
Net loans and leases to core deposits | 69.1606% | 4,213 |
Total domestic deposits to total assets | 82.2213% | 4,100 |
Equity capital to assets | 9.8907% | 3,886 |
Core capital (leverage) ratio | 9.8227% | 3,729 |
Tier 1 risk-based capital ratio | 15.0187% | 2,956 |
Total risk-based capital ratio | 16.0920% | 2,975 |
Memoranda: | ||
Average total assets | $296,954,500 | 2,226 |
Average earning assets | $277,511,500 | 2,202 |
Average equity | $28,667,000 | 2,467 |
Average total loans | $148,533,500 | 2,714 |
2016-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4529% | 4,882 |
Cost of funding earning assets | 0.5358% | 1,820 |
Net interest margin | 2.9171% | 5,105 |
Noninterest income to average assets | 0.0816% | 5,691 |
Noninterest expense to average assets | 2.0187% | 5,149 |
Loan and lease loss provision to assets | -0.3314% | 5,853 |
Net operating income to assets | 0.7983% | 3,312 |
Return on assets (ROA) | 0.8621% | 3,125 |
Pretax return on assets | 1.2027% | 2,662 |
Return on Equity (ROE) | 8.5518% | 2,643 |
Retained earnings to average equity (ytd only) | 6.7921% | 1,312 |
Net charge-offs to loans | -0.7709% | 5,854 |
Credit loss provision to net charge-offs | 89.1221% | 2,813 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 72.0618% | 2,579 |
Assets per employee ($millions) | 8.6724% | 471 |
Cash dividends to net income (ytd only)* | 20.5761% | 3,704 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4126% | 2,030 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0853% | 4,993 |
Noncurrent loans to loans | 0.0000% | 5,326 |
Net loans and leases to total assets | 47.1812% | 4,945 |
Net loans and leases to deposits | 56.7237% | 4,871 |
Net loans and leases to core deposits | 64.7229% | 4,593 |
Total domestic deposits to total assets | 83.1772% | 3,704 |
Equity capital to assets | 9.4270% | 4,350 |
Core capital (leverage) ratio | 9.6741% | 3,887 |
Tier 1 risk-based capital ratio | 15.4992% | 2,748 |
Total risk-based capital ratio | 16.5888% | 2,751 |
Memoranda: | ||
Average total assets | $281,864,800 | 2,274 |
Average earning assets | $262,797,200 | 2,259 |
Average equity | $28,415,200 | 2,483 |
Average total loans | $135,948,000 | 2,829 |
2016-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4429% | 4,932 |
Cost of funding earning assets | 0.5379% | 1,805 |
Net interest margin | 2.9050% | 5,182 |
Noninterest income to average assets | 0.0699% | 5,790 |
Noninterest expense to average assets | 2.0536% | 5,099 |
Loan and lease loss provision to assets | -0.0405% | 5,706 |
Net operating income to assets | 0.5754% | 4,389 |
Return on assets (ROA) | 0.6607% | 4,156 |
Pretax return on assets | 0.8797% | 4,051 |
Return on Equity (ROE) | 6.4396% | 3,865 |
Retained earnings to average equity (ytd only) | 4.0894% | 3,395 |
Net charge-offs to loans | -1.1475% | 5,921 |
Credit loss provision to net charge-offs | 7.3043% | 3,382 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 73.8980% | 2,302 |
Assets per employee ($millions) | 8.6089% | 462 |
Cash dividends to net income (ytd only)* | 36.4964% | 2,501 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0423% | 676 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0860% | 5,100 |
Noncurrent loans to loans | 0.0000% | 5,428 |
Net loans and leases to total assets | 47.8190% | 4,974 |
Net loans and leases to deposits | 58.7815% | 4,832 |
Net loans and leases to core deposits | 65.6046% | 4,635 |
Total domestic deposits to total assets | 81.3505% | 4,154 |
Equity capital to assets | 9.6830% | 4,479 |
Core capital (leverage) ratio | 9.4677% | 4,218 |
Tier 1 risk-based capital ratio | 15.4760% | 2,842 |
Total risk-based capital ratio | 16.7310% | 2,774 |
Memoranda: | ||
Average total assets | $276,447,500 | 2,314 |
Average earning assets | $257,798,500 | 2,306 |
Average equity | $28,365,500 | 2,511 |
Average total loans | $133,619,250 | 2,869 |
2016-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4404% | 5,003 |
Cost of funding earning assets | 0.5326% | 1,848 |
Net interest margin | 2.9078% | 5,255 |
Noninterest income to average assets | 0.0619% | 5,882 |
Noninterest expense to average assets | 2.0428% | 5,187 |
Loan and lease loss provision to assets | -0.0626% | 5,839 |
Net operating income to assets | 0.5922% | 4,309 |
Return on assets (ROA) | 0.6794% | 4,041 |
Pretax return on assets | 0.9017% | 3,948 |
Return on Equity (ROE) | 6.4851% | 3,809 |
Retained earnings to average equity (ytd only) | 2.9258% | 4,051 |
Net charge-offs to loans | -0.1642% | 5,768 |
Credit loss provision to net charge-offs | 79.2453% | 2,376 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 73.8673% | 2,382 |
Assets per employee ($millions) | 7.8512% | 606 |
Cash dividends to net income (ytd only)* | 54.8847% | 1,741 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3675% | 2,454 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0892% | 5,170 |
Noncurrent loans to loans | 0.0000% | 5,521 |
Net loans and leases to total assets | 48.6649% | 4,932 |
Net loans and leases to deposits | 59.8839% | 4,806 |
Net loans and leases to core deposits | 66.8432% | 4,552 |
Total domestic deposits to total assets | 81.2653% | 4,196 |
Equity capital to assets | 10.0354% | 4,182 |
Core capital (leverage) ratio | 9.9263% | 3,652 |
Tier 1 risk-based capital ratio | 15.7888% | 2,745 |
Total risk-based capital ratio | 16.9074% | 2,731 |
Memoranda: | ||
Average total assets | $268,159,670 | 2,402 |
Average earning assets | $249,331,000 | 2,385 |
Average equity | $28,095,330 | 2,528 |
Average total loans | $129,129,670 | 2,942 |
2016-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4566% | 4,991 |
Cost of funding earning assets | 0.5199% | 1,944 |
Net interest margin | 2.9367% | 5,245 |
Noninterest income to average assets | 0.0374% | 6,002 |
Noninterest expense to average assets | 2.1199% | 5,075 |
Loan and lease loss provision to assets | 0.0000% | 3,656 |
Net operating income to assets | 0.4861% | 4,686 |
Return on assets (ROA) | 0.6257% | 4,192 |
Pretax return on assets | 0.8265% | 4,117 |
Return on Equity (ROE) | 5.8331% | 4,063 |
Retained earnings to average equity (ytd only) | 5.8331% | 2,452 |
Net charge-offs to loans | -0.0229% | 4,927 |
Credit loss provision to net charge-offs | 0.0000% | 2,416 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 76.7324% | 2,078 |
Assets per employee ($millions) | 7.6704% | 650 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5429% | 1,813 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0965% | 5,190 |
Noncurrent loans to loans | 0.0000% | 5,543 |
Net loans and leases to total assets | 46.2314% | 5,097 |
Net loans and leases to deposits | 54.8543% | 5,050 |
Net loans and leases to core deposits | 60.1038% | 4,930 |
Total domestic deposits to total assets | 84.2803% | 3,407 |
Equity capital to assets | 10.4136% | 3,598 |
Core capital (leverage) ratio | 11.0535% | 2,354 |
Tier 1 risk-based capital ratio | 17.1781% | 2,220 |
Total risk-based capital ratio | 18.3865% | 2,208 |
Memoranda: | ||
Average total assets | $256,993,000 | 2,485 |
Average earning assets | $238,501,500 | 2,475 |
Average equity | $27,567,000 | 2,556 |
Average total loans | $122,030,500 | 3,055 |
2015-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5061% | 4,903 |
Cost of funding earning assets | 0.5543% | 1,725 |
Net interest margin | 2.9518% | 5,243 |
Noninterest income to average assets | -0.7691% | 6,178 |
Noninterest expense to average assets | 2.1245% | 5,204 |
Loan and lease loss provision to assets | -0.0430% | 5,724 |
Net operating income to assets | -0.1020% | 5,922 |
Return on assets (ROA) | 0.6822% | 3,994 |
Pretax return on assets | 0.8802% | 3,919 |
Return on Equity (ROE) | 5.9736% | 4,047 |
Retained earnings to average equity (ytd only) | 5.9736% | 1,806 |
Net charge-offs to loans | -0.0072% | 5,039 |
Credit loss provision to net charge-offs | 1,250.0000% | 265 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 108.6029% | 153 |
Assets per employee ($millions) | 7.0149% | 887 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6424% | 1,493 |
Loan loss allowance to noncurrent loans | 2,484.6154% | 274 |
Noncurrent assets plus other real estate owned to assets | 0.1373% | 5,043 |
Noncurrent loans to loans | 0.0661% | 5,246 |
Net loans and leases to total assets | 47.2721% | 5,073 |
Net loans and leases to deposits | 56.7465% | 4,999 |
Net loans and leases to core deposits | 59.2618% | 5,032 |
Total domestic deposits to total assets | 83.3041% | 3,739 |
Equity capital to assets | 11.0691% | 2,752 |
Core capital (leverage) ratio | 11.7140% | 1,810 |
Tier 1 risk-based capital ratio | 18.6866% | 1,779 |
Total risk-based capital ratio | 19.9371% | 1,734 |
Memoranda: | ||
Average total assets | $232,340,800 | 2,644 |
Average earning assets | $214,511,800 | 2,639 |
Average equity | $26,533,600 | 2,593 |
Average total loans | $110,403,200 | 3,192 |
2015-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4578% | 5,083 |
Cost of funding earning assets | 0.5698% | 1,633 |
Net interest margin | 2.8880% | 5,435 |
Noninterest income to average assets | -1.0944% | 6,265 |
Noninterest expense to average assets | 2.2202% | 4,995 |
Loan and lease loss provision to assets | -0.0582% | 5,932 |
Net operating income to assets | -0.4770% | 6,135 |
Return on assets (ROA) | 0.5792% | 4,578 |
Pretax return on assets | 0.7148% | 4,636 |
Return on Equity (ROE) | 5.0303% | 4,613 |
Retained earnings to average equity (ytd only) | 5.0303% | 2,895 |
Net charge-offs to loans | -0.0086% | 4,940 |
Credit loss provision to net charge-offs | 1,428.5714% | 253 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 141.1547% | 52 |
Assets per employee ($millions) | 6.5005% | 1,066 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7028% | 1,463 |
Loan loss allowance to noncurrent loans | 864.7321% | 656 |
Noncurrent assets plus other real estate owned to assets | 0.2123% | 4,913 |
Noncurrent loans to loans | 0.1969% | 4,859 |
Net loans and leases to total assets | 49.1460% | 5,008 |
Net loans and leases to deposits | 58.3350% | 4,973 |
Net loans and leases to core deposits | 60.5078% | 5,031 |
Total domestic deposits to total assets | 84.2478% | 3,322 |
Equity capital to assets | 11.8215% | 2,245 |
Core capital (leverage) ratio | 12.1521% | 1,590 |
Tier 1 risk-based capital ratio | 19.4064% | 1,683 |
Total risk-based capital ratio | 20.6583% | 1,655 |
Memoranda: | ||
Average total assets | $229,045,750 | 2,690 |
Average earning assets | $211,535,000 | 2,682 |
Average equity | $26,372,750 | 2,624 |
Average total loans | $108,503,750 | 3,255 |
2015-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4676% | 5,070 |
Cost of funding earning assets | 0.5979% | 1,431 |
Net interest margin | 2.8697% | 5,492 |
Noninterest income to average assets | -1.7198% | 6,343 |
Noninterest expense to average assets | 2.3027% | 4,839 |
Loan and lease loss provision to assets | -0.0871% | 6,073 |
Net operating income to assets | -0.9653% | 6,260 |
Return on assets (ROA) | 0.4984% | 4,878 |
Pretax return on assets | 0.6674% | 4,767 |
Return on Equity (ROE) | 4.3667% | 4,876 |
Retained earnings to average equity (ytd only) | 4.3667% | 3,237 |
Net charge-offs to loans | 0.0000% | 3,893 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 247.2404% | 12 |
Assets per employee ($millions) | 6.4313% | 1,090 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8650% | 1,237 |
Loan loss allowance to noncurrent loans | 790.9836% | 688 |
Noncurrent assets plus other real estate owned to assets | 0.2300% | 4,953 |
Noncurrent loans to loans | 0.2358% | 4,825 |
Net loans and leases to total assets | 46.4432% | 5,215 |
Net loans and leases to deposits | 53.6539% | 5,281 |
Net loans and leases to core deposits | 55.2428% | 5,361 |
Total domestic deposits to total assets | 86.5606% | 2,395 |
Equity capital to assets | 11.8950% | 2,110 |
Core capital (leverage) ratio | 11.8635% | 1,737 |
Tier 1 risk-based capital ratio | 20.8486% | 1,394 |
Total risk-based capital ratio | 22.1017% | 1,367 |
Memoranda: | ||
Average total assets | $229,555,000 | 2,705 |
Average earning assets | $212,077,670 | 2,692 |
Average equity | $26,198,330 | 2,642 |
Average total loans | $106,754,000 | 3,304 |
2015-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3889% | 5,227 |
Cost of funding earning assets | 0.6803% | 947 |
Net interest margin | 2.7085% | 5,786 |
Noninterest income to average assets | -3.3464% | 6,415 |
Noninterest expense to average assets | 2.4374% | 4,482 |
Loan and lease loss provision to assets | 0.0000% | 3,703 |
Net operating income to assets | -2.5865% | 6,380 |
Return on assets (ROA) | 0.4255% | 5,092 |
Pretax return on assets | 0.5362% | 5,080 |
Return on Equity (ROE) | 3.8034% | 5,066 |
Retained earnings to average equity (ytd only) | 3.8034% | 3,727 |
Net charge-offs to loans | 0.0000% | 3,288 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | -290.4665% | 6,417 |
Assets per employee ($millions) | 6.6444% | 999 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8621% | 1,365 |
Loan loss allowance to noncurrent loans | 831.9672% | 640 |
Noncurrent assets plus other real estate owned to assets | 0.2227% | 5,048 |
Noncurrent loans to loans | 0.2238% | 4,971 |
Net loans and leases to total assets | 47.3567% | 5,096 |
Net loans and leases to deposits | 57.9746% | 4,916 |
Net loans and leases to core deposits | 59.3571% | 5,047 |
Total domestic deposits to total assets | 81.6853% | 4,614 |
Equity capital to assets | 11.5851% | 2,389 |
Core capital (leverage) ratio | 11.7368% | 1,823 |
Tier 1 risk-based capital ratio | 19.3632% | 1,774 |
Total risk-based capital ratio | 20.6157% | 1,727 |
Memoranda: | ||
Average total assets | $235,001,000 | 2,674 |
Average earning assets | $217,535,500 | 2,665 |
Average equity | $26,292,500 | 2,649 |
Average total loans | $108,389,000 | 3,292 |
2014-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7908% | 4,524 |
Cost of funding earning assets | 1.1593% | 99 |
Net interest margin | 2.6314% | 6,032 |
Noninterest income to average assets | -0.5454% | 6,495 |
Noninterest expense to average assets | 2.1113% | 5,548 |
Loan and lease loss provision to assets | -0.0608% | 6,067 |
Net operating income to assets | -0.0839% | 6,144 |
Return on assets (ROA) | 0.6885% | 4,067 |
Pretax return on assets | 0.6017% | 4,934 |
Return on Equity (ROE) | 7.0308% | 3,605 |
Retained earnings to average equity (ytd only) | 7.0308% | 1,393 |
Net charge-offs to loans | -0.1001% | 6,110 |
Credit loss provision to net charge-offs | 163.0435% | 1,488 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 112.3167% | 191 |
Assets per employee ($millions) | 7.1791% | 768 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8837% | 1,346 |
Loan loss allowance to noncurrent loans | 1,153.4091% | 529 |
Noncurrent assets plus other real estate owned to assets | 0.1782% | 5,319 |
Noncurrent loans to loans | 0.1633% | 5,243 |
Net loans and leases to total assets | 43.3175% | 5,510 |
Net loans and leases to deposits | 49.6618% | 5,600 |
Net loans and leases to core deposits | 61.0287% | 5,065 |
Total domestic deposits to total assets | 87.2248% | 2,160 |
Equity capital to assets | 10.8210% | 3,099 |
Core capital (leverage) ratio | 9.7150% | 3,953 |
Tier 1 risk-based capital ratio | 19.5221% | 1,723 |
Total risk-based capital ratio | 20.7757% | 1,688 |
Memoranda: | ||
Average total assets | $246,625,000 | 2,555 |
Average earning assets | $227,289,600 | 2,548 |
Average equity | $24,151,000 | 2,745 |
Average total loans | $91,923,800 | 3,591 |
2014-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8685% | 4,289 |
Cost of funding earning assets | 1.2764% | 64 |
Net interest margin | 2.5921% | 6,141 |
Noninterest income to average assets | -0.6622% | 6,579 |
Noninterest expense to average assets | 2.1559% | 5,447 |
Loan and lease loss provision to assets | -0.0809% | 6,244 |
Net operating income to assets | -0.2583% | 6,294 |
Return on assets (ROA) | 0.7555% | 3,736 |
Pretax return on assets | 0.6606% | 4,836 |
Return on Equity (ROE) | 7.9199% | 3,250 |
Retained earnings to average equity (ytd only) | 7.9199% | 1,401 |
Net charge-offs to loans | -0.1364% | 6,217 |
Credit loss provision to net charge-offs | 166.6667% | 1,468 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 125.2114% | 106 |
Assets per employee ($millions) | 6.8840% | 847 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1079% | 1,077 |
Loan loss allowance to noncurrent loans | 1,145.7627% | 506 |
Noncurrent assets plus other real estate owned to assets | 0.1919% | 5,448 |
Noncurrent loans to loans | 0.1840% | 5,361 |
Net loans and leases to total assets | 41.4582% | 5,722 |
Net loans and leases to deposits | 48.4899% | 5,737 |
Net loans and leases to core deposits | 63.0386% | 4,966 |
Total domestic deposits to total assets | 85.4986% | 3,114 |
Equity capital to assets | 11.2677% | 2,690 |
Core capital (leverage) ratio | 10.1182% | 3,509 |
Tier 1 risk-based capital ratio | 20.8160% | 1,487 |
Total risk-based capital ratio | 22.0717% | 1,459 |
Memoranda: | ||
Average total assets | $247,258,500 | 2,562 |
Average earning assets | $227,405,500 | 2,561 |
Average equity | $23,585,500 | 2,801 |
Average total loans | $87,963,750 | 3,710 |
2014-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8725% | 4,254 |
Cost of funding earning assets | 1.3442% | 46 |
Net interest margin | 2.5283% | 6,239 |
Noninterest income to average assets | -0.2071% | 6,622 |
Noninterest expense to average assets | 1.8578% | 6,069 |
Loan and lease loss provision to assets | 0.0000% | 4,196 |
Net operating income to assets | 0.5214% | 4,725 |
Return on assets (ROA) | 0.5623% | 4,637 |
Pretax return on assets | 0.3032% | 5,777 |
Return on Equity (ROE) | 6.2317% | 4,035 |
Retained earnings to average equity (ytd only) | 6.2317% | 2,195 |
Net charge-offs to loans | -0.2042% | 6,347 |
Credit loss provision to net charge-offs | 0.0000% | 3,401 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 87.6300% | 1,120 |
Assets per employee ($millions) | 7.9662% | 504 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.3191% | 877 |
Loan loss allowance to noncurrent loans | 1,035.7143% | 509 |
Noncurrent assets plus other real estate owned to assets | 0.1840% | 5,581 |
Noncurrent loans to loans | 0.2239% | 5,330 |
Net loans and leases to total assets | 35.9378% | 6,055 |
Net loans and leases to deposits | 40.0376% | 6,152 |
Net loans and leases to core deposits | 62.6283% | 4,922 |
Total domestic deposits to total assets | 89.7602% | 928 |
Equity capital to assets | 9.9691% | 4,151 |
Core capital (leverage) ratio | 9.6034% | 4,171 |
Tier 1 risk-based capital ratio | 18.7495% | 1,989 |
Total risk-based capital ratio | 20.0045% | 1,950 |
Memoranda: | ||
Average total assets | $253,954,330 | 2,512 |
Average earning assets | $233,749,330 | 2,503 |
Average equity | $22,915,000 | 2,854 |
Average total loans | $85,215,330 | 3,786 |
2014-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6921% | 4,876 |
Cost of funding earning assets | 1.4112% | 40 |
Net interest margin | 2.2809% | 6,486 |
Noninterest income to average assets | -0.0063% | 6,627 |
Noninterest expense to average assets | 1.9821% | 5,918 |
Loan and lease loss provision to assets | 0.0000% | 3,817 |
Net operating income to assets | 0.3424% | 5,344 |
Return on assets (ROA) | 0.4987% | 4,781 |
Pretax return on assets | 0.2620% | 5,795 |
Return on Equity (ROE) | 5.8340% | 4,111 |
Retained earnings to average equity (ytd only) | 5.8340% | 2,631 |
Net charge-offs to loans | -0.0099% | 5,041 |
Credit loss provision to net charge-offs | 0.0000% | 2,688 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 94.9358% | 698 |
Assets per employee ($millions) | 7.7862% | 538 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.5825% | 729 |
Loan loss allowance to noncurrent loans | 863.6364% | 591 |
Noncurrent assets plus other real estate owned to assets | 0.2011% | 5,620 |
Noncurrent loans to loans | 0.2990% | 5,218 |
Net loans and leases to total assets | 31.6418% | 6,281 |
Net loans and leases to deposits | 34.9337% | 6,350 |
Net loans and leases to core deposits | 55.0841% | 5,429 |
Total domestic deposits to total assets | 90.5767% | 755 |
Equity capital to assets | 9.1677% | 4,915 |
Core capital (leverage) ratio | 9.5792% | 4,163 |
Tier 1 risk-based capital ratio | 18.8220% | 2,023 |
Total risk-based capital ratio | 20.0764% | 1,978 |
Memoranda: | ||
Average total assets | $253,472,500 | 2,524 |
Average earning assets | $232,714,000 | 2,518 |
Average equity | $21,666,000 | 2,979 |
Average total loans | $80,929,500 | 3,907 |
2013-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5836% | 5,450 |
Cost of funding earning assets | 1.0015% | 437 |
Net interest margin | 2.5821% | 6,281 |
Noninterest income to average assets | 1.6087% | 554 |
Noninterest expense to average assets | 1.8340% | 6,270 |
Loan and lease loss provision to assets | -0.0499% | 6,380 |
Net operating income to assets | 2.2511% | 224 |
Return on assets (ROA) | 0.9967% | 2,408 |
Pretax return on assets | 0.9608% | 3,511 |
Return on Equity (ROE) | 11.5382% | 1,581 |
Retained earnings to average equity (ytd only) | 11.5382% | 367 |
Net charge-offs to loans | -0.0076% | 5,989 |
Credit loss provision to net charge-offs | 2,083.3333% | 116 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 45.8596% | 6,563 |
Assets per employee ($millions) | 8.0558% | 458 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.5800% | 743 |
Loan loss allowance to noncurrent loans | 862.8099% | 584 |
Noncurrent assets plus other real estate owned to assets | 0.1943% | 5,719 |
Noncurrent loans to loans | 0.2990% | 5,289 |
Net loans and leases to total assets | 30.5846% | 6,438 |
Net loans and leases to deposits | 33.3308% | 6,499 |
Net loans and leases to core deposits | 55.8465% | 5,549 |
Total domestic deposits to total assets | 91.7606% | 341 |
Equity capital to assets | 7.9484% | 6,057 |
Core capital (leverage) ratio | 9.2389% | 4,660 |
Tier 1 risk-based capital ratio | 18.5473% | 2,064 |
Total risk-based capital ratio | 19.8017% | 2,031 |
Memoranda: | ||
Average total assets | $250,324,800 | 2,527 |
Average earning assets | $231,747,200 | 2,502 |
Average equity | $21,623,800 | 2,969 |
Average total loans | $78,715,000 | 3,981 |
2013-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5725% | 5,519 |
Cost of funding earning assets | 0.8369% | 1,111 |
Net interest margin | 2.7356% | 6,110 |
Noninterest income to average assets | 2.3075% | 336 |
Noninterest expense to average assets | 1.8562% | 6,245 |
Loan and lease loss provision to assets | -0.1476% | 6,676 |
Net operating income to assets | 2.4406% | 183 |
Return on assets (ROA) | 2.1744% | 280 |
Pretax return on assets | 2.7958% | 170 |
Return on Equity (ROE) | 24.6609% | 127 |
Retained earnings to average equity (ytd only) | 24.6609% | 52 |
Net charge-offs to loans | 0.0051% | 5,081 |
Credit loss provision to net charge-offs | -9,166.6667% | 6,384 |
Earnings coverage of net charge-offs (x) | 1,856.9525% | 10 |
Efficiency ratio | 38.3056% | 6,776 |
Assets per employee ($millions) | 8.4318% | 391 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.4197% | 1,025 |
Loan loss allowance to noncurrent loans | 762.4506% | 619 |
Noncurrent assets plus other real estate owned to assets | 0.1963% | 5,850 |
Noncurrent loans to loans | 0.3174% | 5,435 |
Net loans and leases to total assets | 29.7609% | 6,541 |
Net loans and leases to deposits | 32.3943% | 6,608 |
Net loans and leases to core deposits | 54.1735% | 5,753 |
Total domestic deposits to total assets | 91.8707% | 264 |
Equity capital to assets | 7.8290% | 6,245 |
Core capital (leverage) ratio | 9.8648% | 3,868 |
Tier 1 risk-based capital ratio | 19.4875% | 1,862 |
Total risk-based capital ratio | 20.7395% | 1,831 |
Memoranda: | ||
Average total assets | $248,459,250 | 2,562 |
Average earning assets | $230,531,750 | 2,527 |
Average equity | $21,907,250 | 2,976 |
Average total loans | $78,161,000 | 4,023 |
2013-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5736% | 5,516 |
Cost of funding earning assets | 0.6280% | 2,700 |
Net interest margin | 2.9455% | 5,703 |
Noninterest income to average assets | 1.2754% | 948 |
Noninterest expense to average assets | 1.9070% | 6,208 |
Loan and lease loss provision to assets | -0.2253% | 6,797 |
Net operating income to assets | 1.8572% | 462 |
Return on assets (ROA) | 2.0840% | 326 |
Pretax return on assets | 2.6164% | 244 |
Return on Equity (ROE) | 22.7261% | 181 |
Retained earnings to average equity (ytd only) | 22.7261% | 62 |
Net charge-offs to loans | -0.0077% | 5,717 |
Credit loss provision to net charge-offs | 9,166.6667% | 31 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 47.5005% | 6,564 |
Assets per employee ($millions) | 8.5456% | 372 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.4265% | 1,065 |
Loan loss allowance to noncurrent loans | 741.3793% | 609 |
Noncurrent assets plus other real estate owned to assets | 0.2032% | 5,884 |
Noncurrent loans to loans | 0.3273% | 5,476 |
Net loans and leases to total assets | 30.3513% | 6,566 |
Net loans and leases to deposits | 34.3576% | 6,594 |
Net loans and leases to core deposits | 45.4668% | 6,255 |
Total domestic deposits to total assets | 88.3394% | 2,018 |
Equity capital to assets | 8.0049% | 6,196 |
Core capital (leverage) ratio | 9.3835% | 4,409 |
Tier 1 risk-based capital ratio | 18.0691% | 2,297 |
Total risk-based capital ratio | 19.3214% | 2,255 |
Memoranda: | ||
Average total assets | $244,150,000 | 2,615 |
Average earning assets | $227,056,330 | 2,565 |
Average equity | $22,388,330 | 2,942 |
Average total loans | $77,641,330 | 4,051 |
2013-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4644% | 5,802 |
Cost of funding earning assets | 0.5384% | 3,691 |
Net interest margin | 2.9260% | 5,761 |
Noninterest income to average assets | 0.0924% | 6,603 |
Noninterest expense to average assets | 1.9156% | 6,256 |
Loan and lease loss provision to assets | 0.0000% | 4,409 |
Net operating income to assets | 0.8363% | 2,967 |
Return on assets (ROA) | 1.3712% | 1,189 |
Pretax return on assets | 1.4888% | 1,590 |
Return on Equity (ROE) | 13.9957% | 964 |
Retained earnings to average equity (ytd only) | 13.9957% | 451 |
Net charge-offs to loans | -0.0052% | 5,279 |
Credit loss provision to net charge-offs | 0.0000% | 3,239 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 67.8571% | 4,332 |
Assets per employee ($millions) | 7.9156% | 505 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.8267% | 794 |
Loan loss allowance to noncurrent loans | 621.9718% | 706 |
Noncurrent assets plus other real estate owned to assets | 0.2506% | 5,825 |
Noncurrent loans to loans | 0.4545% | 5,284 |
Net loans and leases to total assets | 30.9322% | 6,566 |
Net loans and leases to deposits | 36.7274% | 6,545 |
Net loans and leases to core deposits | 41.0280% | 6,438 |
Total domestic deposits to total assets | 84.2211% | 4,383 |
Equity capital to assets | 9.4211% | 4,973 |
Core capital (leverage) ratio | 9.3699% | 4,288 |
Tier 1 risk-based capital ratio | 17.6198% | 2,511 |
Total risk-based capital ratio | 18.8327% | 2,496 |
Memoranda: | ||
Average total assets | $238,041,000 | 2,692 |
Average earning assets | $222,146,500 | 2,649 |
Average equity | $23,321,500 | 2,876 |
Average total loans | $76,589,000 | 4,118 |
2012-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8698% | 5,670 |
Cost of funding earning assets | 0.5868% | 4,474 |
Net interest margin | 3.2830% | 5,309 |
Noninterest income to average assets | -0.1922% | 6,955 |
Noninterest expense to average assets | 2.1051% | 6,115 |
Loan and lease loss provision to assets | 0.6121% | 895 |
Net operating income to assets | 0.1112% | 5,991 |
Return on assets (ROA) | 1.3210% | 1,384 |
Pretax return on assets | 1.6726% | 1,203 |
Return on Equity (ROE) | 12.9725% | 1,229 |
Retained earnings to average equity (ytd only) | 12.9725% | 255 |
Net charge-offs to loans | 2.8562% | 192 |
Credit loss provision to net charge-offs | 55.2554% | 4,573 |
Earnings coverage of net charge-offs (x) | 0.6800% | 5,146 |
Efficiency ratio | 73.6463% | 3,125 |
Assets per employee ($millions) | 7.4418% | 642 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.9400% | 702 |
Loan loss allowance to noncurrent loans | 498.1941% | 833 |
Noncurrent assets plus other real estate owned to assets | 0.3047% | 5,762 |
Noncurrent loans to loans | 0.5901% | 5,057 |
Net loans and leases to total assets | 31.5826% | 6,643 |
Net loans and leases to deposits | 39.7773% | 6,564 |
Net loans and leases to core deposits | 44.0793% | 6,465 |
Total domestic deposits to total assets | 79.3985% | 5,803 |
Equity capital to assets | 10.1974% | 3,892 |
Core capital (leverage) ratio | 9.5119% | 4,086 |
Tier 1 risk-based capital ratio | 18.7232% | 2,041 |
Total risk-based capital ratio | 19.9814% | 2,001 |
Memoranda: | ||
Average total assets | $213,857,800 | 2,893 |
Average earning assets | $198,719,200 | 2,861 |
Average equity | $21,776,800 | 3,001 |
Average total loans | $82,942,800 | 3,945 |
2012-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9702% | 5,603 |
Cost of funding earning assets | 0.6074% | 4,573 |
Net interest margin | 3.3628% | 5,170 |
Noninterest income to average assets | -0.1087% | 7,031 |
Noninterest expense to average assets | 2.1718% | 6,010 |
Loan and lease loss provision to assets | 0.5908% | 950 |
Net operating income to assets | 0.1922% | 5,942 |
Return on assets (ROA) | 1.7127% | 737 |
Pretax return on assets | 2.3308% | 384 |
Return on Equity (ROE) | 16.8258% | 627 |
Retained earnings to average equity (ytd only) | 16.8258% | 159 |
Net charge-offs to loans | 3.0996% | 169 |
Credit loss provision to net charge-offs | 47.0618% | 4,468 |
Earnings coverage of net charge-offs (x) | 0.6682% | 4,991 |
Efficiency ratio | 72.1377% | 3,301 |
Assets per employee ($millions) | 7.3734% | 623 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.7344% | 949 |
Loan loss allowance to noncurrent loans | 382.4441% | 985 |
Noncurrent assets plus other real estate owned to assets | 0.5158% | 5,384 |
Noncurrent loans to loans | 0.7150% | 5,009 |
Net loans and leases to total assets | 35.7316% | 6,567 |
Net loans and leases to deposits | 44.4359% | 6,481 |
Net loans and leases to core deposits | 51.0374% | 6,239 |
Total domestic deposits to total assets | 80.4116% | 5,545 |
Equity capital to assets | 10.4506% | 3,899 |
Core capital (leverage) ratio | 9.5550% | 4,190 |
Tier 1 risk-based capital ratio | 18.7472% | 2,091 |
Total risk-based capital ratio | 20.0110% | 2,053 |
Memoranda: | ||
Average total assets | $209,648,000 | 2,965 |
Average earning assets | $194,477,250 | 2,933 |
Average equity | $21,339,750 | 3,087 |
Average total loans | $84,911,750 | 3,921 |
2012-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0822% | 5,385 |
Cost of funding earning assets | 0.6480% | 4,457 |
Net interest margin | 3.4342% | 4,951 |
Noninterest income to average assets | -0.2002% | 7,134 |
Noninterest expense to average assets | 2.2022% | 6,004 |
Loan and lease loss provision to assets | 0.3197% | 2,069 |
Net operating income to assets | 0.3307% | 5,496 |
Return on assets (ROA) | 1.4033% | 1,325 |
Pretax return on assets | 1.9301% | 802 |
Return on Equity (ROE) | 13.9199% | 1,144 |
Retained earnings to average equity (ytd only) | 13.9199% | 356 |
Net charge-offs to loans | 2.0504% | 395 |
Credit loss provision to net charge-offs | 37.2593% | 4,316 |
Earnings coverage of net charge-offs (x) | 0.9094% | 4,582 |
Efficiency ratio | 73.8351% | 3,105 |
Assets per employee ($millions) | 6.8787% | 772 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.2143% | 634 |
Loan loss allowance to noncurrent loans | 117.6496% | 2,783 |
Noncurrent assets plus other real estate owned to assets | 1.3020% | 3,820 |
Noncurrent loans to loans | 2.7321% | 2,201 |
Net loans and leases to total assets | 37.1125% | 6,541 |
Net loans and leases to deposits | 49.0672% | 6,236 |
Net loans and leases to core deposits | 58.5141% | 5,734 |
Total domestic deposits to total assets | 75.6361% | 6,512 |
Equity capital to assets | 9.8888% | 4,502 |
Core capital (leverage) ratio | 9.3446% | 4,384 |
Tier 1 risk-based capital ratio | 17.9942% | 2,290 |
Total risk-based capital ratio | 19.2590% | 2,259 |
Memoranda: | ||
Average total assets | $205,796,670 | 3,025 |
Average earning assets | $190,729,000 | 2,984 |
Average equity | $20,747,330 | 3,132 |
Average total loans | $86,128,670 | 3,904 |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1787% | 5,179 |
Cost of funding earning assets | 0.6685% | 4,550 |
Net interest margin | 3.5102% | 4,643 |
Noninterest income to average assets | -0.3907% | 7,237 |
Noninterest expense to average assets | 2.2735% | 5,842 |
Loan and lease loss provision to assets | 0.6625% | 812 |
Net operating income to assets | -0.0672% | 6,501 |
Return on assets (ROA) | 0.7511% | 3,853 |
Pretax return on assets | 0.9686% | 3,799 |
Return on Equity (ROE) | 7.3725% | 3,573 |
Retained earnings to average equity (ytd only) | 7.3725% | 2,244 |
Net charge-offs to loans | 0.2391% | 2,741 |
Credit loss provision to net charge-offs | 632.6923% | 544 |
Earnings coverage of net charge-offs (x) | 5.5577% | 2,341 |
Efficiency ratio | 79.6192% | 2,251 |
Assets per employee ($millions) | 6.6130% | 926 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
Condition Ratios (%) | ||
Loss allowance to loans | 4.0982% | 346 |
Loan loss allowance to noncurrent loans | 267.0686% | 1,258 |
Noncurrent assets plus other real estate owned to assets | 0.9702% | 4,568 |
Noncurrent loans to loans | 1.5345% | 3,814 |
Net loans and leases to total assets | 40.4545% | 6,312 |
Net loans and leases to deposits | 54.6550% | 5,736 |
Net loans and leases to core deposits | 65.6219% | 4,959 |
Total domestic deposits to total assets | 74.0179% | 6,745 |
Equity capital to assets | 9.9701% | 4,157 |
Core capital (leverage) ratio | 9.6013% | 3,918 |
Tier 1 risk-based capital ratio | 17.5767% | 2,448 |
Total risk-based capital ratio | 18.8515% | 2,411 |
Memoranda: | ||
Average total assets | $198,636,500 | 3,123 |
Average earning assets | $183,693,500 | 3,099 |
Average equity | $20,237,500 | 3,198 |
Average total loans | $86,991,000 | 3,913 |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9116% | 3,301 |
Cost of funding earning assets | 0.9326% | 3,851 |
Net interest margin | 3.9789% | 2,991 |
Noninterest income to average assets | -0.3115% | 7,207 |
Noninterest expense to average assets | 2.3159% | 6,004 |
Loan and lease loss provision to assets | 0.3626% | 2,831 |
Net operating income to assets | 0.4619% | 4,581 |
Return on assets (ROA) | 0.9339% | 2,592 |
Pretax return on assets | 1.3445% | 1,968 |
Return on Equity (ROE) | 9.7620% | 2,138 |
Retained earnings to average equity (ytd only) | 9.7620% | 611 |
Net charge-offs to loans | 2.7608% | 385 |
Credit loss provision to net charge-offs | 27.4054% | 5,820 |
Earnings coverage of net charge-offs (x) | 0.7733% | 5,220 |
Efficiency ratio | 69.3594% | 4,079 |
Assets per employee ($millions) | 6.2023% | 1,104 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.7335% | 452 |
Loan loss allowance to noncurrent loans | 222.3962% | 1,494 |
Noncurrent assets plus other real estate owned to assets | 1.2425% | 4,154 |
Noncurrent loans to loans | 1.6788% | 3,644 |
Net loans and leases to total assets | 43.8123% | 6,225 |
Net loans and leases to deposits | 57.0339% | 5,798 |
Net loans and leases to core deposits | 68.3428% | 4,985 |
Total domestic deposits to total assets | 76.8180% | 6,363 |
Equity capital to assets | 10.4208% | 3,622 |
Core capital (leverage) ratio | 9.4589% | 4,096 |
Tier 1 risk-based capital ratio | 17.4271% | 2,405 |
Total risk-based capital ratio | 18.6990% | 2,367 |
Memoranda: | ||
Average total assets | $191,676,600 | 3,161 |
Average earning assets | $175,850,800 | 3,146 |
Average equity | $18,336,400 | 3,382 |
Average total loans | $91,856,000 | 3,815 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0083% | 3,044 |
Cost of funding earning assets | 1.0039% | 3,655 |
Net interest margin | 4.0044% | 2,900 |
Noninterest income to average assets | -0.4267% | 7,331 |
Noninterest expense to average assets | 2.3007% | 6,034 |
Loan and lease loss provision to assets | 0.2583% | 3,436 |
Net operating income to assets | 0.4904% | 4,578 |
Return on assets (ROA) | 0.8423% | 3,125 |
Pretax return on assets | 1.1834% | 2,684 |
Return on Equity (ROE) | 9.0070% | 2,593 |
Retained earnings to average equity (ytd only) | 9.0070% | 1,142 |
Net charge-offs to loans | 1.7616% | 770 |
Credit loss provision to net charge-offs | 30.2117% | 5,411 |
Earnings coverage of net charge-offs (x) | 1.1067% | 4,803 |
Efficiency ratio | 70.8619% | 3,772 |
Assets per employee ($millions) | 6.0255% | 1,187 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
Condition Ratios (%) | ||
Loss allowance to loans | 4.7691% | 218 |
Loan loss allowance to noncurrent loans | 238.6861% | 1,322 |
Noncurrent assets plus other real estate owned to assets | 1.4008% | 4,029 |
Noncurrent loans to loans | 1.9981% | 3,368 |
Net loans and leases to total assets | 44.0236% | 6,328 |
Net loans and leases to deposits | 56.6845% | 5,961 |
Net loans and leases to core deposits | 71.3967% | 4,791 |
Total domestic deposits to total assets | 77.6643% | 6,260 |
Equity capital to assets | 10.2123% | 4,064 |
Core capital (leverage) ratio | 9.1269% | 4,751 |
Tier 1 risk-based capital ratio | 16.5367% | 2,845 |
Total risk-based capital ratio | 17.8193% | 2,789 |
Memoranda: | ||
Average total assets | $191,528,250 | 3,181 |
Average earning assets | $175,702,500 | 3,162 |
Average equity | $17,911,500 | 3,437 |
Average total loans | $92,943,750 | 3,819 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0515% | 2,918 |
Cost of funding earning assets | 1.0597% | 3,542 |
Net interest margin | 3.9918% | 2,876 |
Noninterest income to average assets | -0.4982% | 7,427 |
Noninterest expense to average assets | 2.2805% | 6,176 |
Loan and lease loss provision to assets | 0.3883% | 2,471 |
Net operating income to assets | 0.4085% | 4,902 |
Return on assets (ROA) | 0.6196% | 4,088 |
Pretax return on assets | 0.7420% | 4,241 |
Return on Equity (ROE) | 6.8367% | 3,514 |
Retained earnings to average equity (ytd only) | 6.8367% | 1,954 |
Net charge-offs to loans | 2.3224% | 543 |
Credit loss provision to net charge-offs | 33.9122% | 4,928 |
Earnings coverage of net charge-offs (x) | 0.7651% | 4,729 |
Efficiency ratio | 72.2480% | 3,686 |
Assets per employee ($millions) | 5.7539% | 1,339 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
Condition Ratios (%) | ||
Loss allowance to loans | 4.7938% | 218 |
Loan loss allowance to noncurrent loans | 224.6414% | 1,368 |
Noncurrent assets plus other real estate owned to assets | 1.3835% | 4,150 |
Noncurrent loans to loans | 2.1340% | 3,307 |
Net loans and leases to total assets | 45.8647% | 6,286 |
Net loans and leases to deposits | 61.8647% | 5,517 |
Net loans and leases to core deposits | 82.2266% | 3,466 |
Total domestic deposits to total assets | 74.1371% | 6,825 |
Equity capital to assets | 9.6130% | 4,645 |
Core capital (leverage) ratio | 8.4806% | 5,581 |
Tier 1 risk-based capital ratio | 14.9128% | 3,534 |
Total risk-based capital ratio | 16.1971% | 3,492 |
Memoranda: | ||
Average total assets | $191,098,670 | 3,209 |
Average earning assets | $174,958,000 | 3,193 |
Average equity | $17,318,330 | 3,523 |
Average total loans | $94,213,000 | 3,833 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9619% | 3,285 |
Cost of funding earning assets | 1.0978% | 3,539 |
Net interest margin | 3.8641% | 3,324 |
Noninterest income to average assets | 0.0960% | 6,938 |
Noninterest expense to average assets | 2.2138% | 6,389 |
Loan and lease loss provision to assets | 0.7741% | 1,104 |
Net operating income to assets | 0.6047% | 4,008 |
Return on assets (ROA) | 0.9264% | 2,516 |
Pretax return on assets | 0.9827% | 3,192 |
Return on Equity (ROE) | 10.5394% | 1,899 |
Retained earnings to average equity (ytd only) | 10.5394% | 986 |
Net charge-offs to loans | 2.3058% | 519 |
Credit loss provision to net charge-offs | 67.3321% | 3,398 |
Earnings coverage of net charge-offs (x) | 1.2305% | 3,747 |
Efficiency ratio | 61.0121% | 5,830 |
Assets per employee ($millions) | 6.0048% | 1,189 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
Condition Ratios (%) | ||
Loss allowance to loans | 5.2128% | 168 |
Loan loss allowance to noncurrent loans | 220.0000% | 1,368 |
Noncurrent assets plus other real estate owned to assets | 1.9797% | 3,343 |
Noncurrent loans to loans | 2.3695% | 3,117 |
Net loans and leases to total assets | 46.6337% | 6,222 |
Net loans and leases to deposits | 60.4092% | 5,683 |
Net loans and leases to core deposits | 83.7419% | 3,196 |
Total domestic deposits to total assets | 77.1963% | 6,496 |
Equity capital to assets | 8.8299% | 5,448 |
Core capital (leverage) ratio | 8.0121% | 6,244 |
Tier 1 risk-based capital ratio | 13.5713% | 4,376 |
Total risk-based capital ratio | 14.8606% | 4,320 |
Memoranda: | ||
Average total assets | $191,709,000 | 3,224 |
Average earning assets | $175,256,500 | 3,217 |
Average equity | $16,851,000 | 3,585 |
Average total loans | $95,583,500 | 3,844 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9910% | 4,606 |
Cost of funding earning assets | 1.2559% | 4,174 |
Net interest margin | 3.7351% | 4,204 |
Noninterest income to average assets | -0.1436% | 7,434 |
Noninterest expense to average assets | 2.1500% | 6,730 |
Loan and lease loss provision to assets | 3.9163% | 168 |
Net operating income to assets | -1.8572% | 7,016 |
Return on assets (ROA) | -1.2638% | 6,839 |
Pretax return on assets | -1.8907% | 6,986 |
Return on Equity (ROE) | -14.2785% | 6,894 |
Retained earnings to average equity (ytd only) | -14.2785% | 6,854 |
Net charge-offs to loans | 4.9910% | 178 |
Credit loss provision to net charge-offs | 141.3107% | 2,661 |
Earnings coverage of net charge-offs (x) | 0.4114% | 5,695 |
Efficiency ratio | 65.3477% | 5,098 |
Assets per employee ($millions) | 6.1698% | 1,101 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
Condition Ratios (%) | ||
Loss allowance to loans | 5.2861% | 161 |
Loan loss allowance to noncurrent loans | 187.1748% | 1,599 |
Noncurrent assets plus other real estate owned to assets | 1.8148% | 3,609 |
Noncurrent loans to loans | 2.8241% | 2,697 |
Net loans and leases to total assets | 47.8514% | 6,404 |
Net loans and leases to deposits | 63.6708% | 5,665 |
Net loans and leases to core deposits | 91.8970% | 2,514 |
Total domestic deposits to total assets | 75.1544% | 6,749 |
Equity capital to assets | 8.7496% | 5,509 |
Core capital (leverage) ratio | 7.8554% | 6,377 |
Tier 1 risk-based capital ratio | 12.9797% | 4,612 |
Total risk-based capital ratio | 14.2698% | 4,546 |
Memoranda: | ||
Average total assets | $186,653,600 | 3,275 |
Average earning assets | $171,587,200 | 3,254 |
Average equity | $16,521,400 | 3,670 |
Average total loans | $103,646,600 | 3,687 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0110% | 4,762 |
Cost of funding earning assets | 1.2893% | 4,297 |
Net interest margin | 3.7217% | 4,299 |
Noninterest income to average assets | -0.1646% | 7,573 |
Noninterest expense to average assets | 2.1721% | 6,675 |
Loan and lease loss provision to assets | 3.0425% | 282 |
Net operating income to assets | -1.2437% | 6,997 |
Return on assets (ROA) | -0.5376% | 6,672 |
Pretax return on assets | -0.8524% | 6,775 |
Return on Equity (ROE) | -6.0560% | 6,720 |
Retained earnings to average equity (ytd only) | -6.0560% | 6,637 |
Net charge-offs to loans | 3.1270% | 475 |
Credit loss provision to net charge-offs | 171.2379% | 2,164 |
Earnings coverage of net charge-offs (x) | 0.6117% | 5,420 |
Efficiency ratio | 66.6520% | 4,723 |
Assets per employee ($millions) | 6.2256% | 1,107 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
Condition Ratios (%) | ||
Loss allowance to loans | 4.7065% | 216 |
Loan loss allowance to noncurrent loans | 151.1338% | 1,868 |
Noncurrent assets plus other real estate owned to assets | 2.1128% | 3,316 |
Noncurrent loans to loans | 3.1142% | 2,559 |
Net loans and leases to total assets | 51.2984% | 6,187 |
Net loans and leases to deposits | 70.7872% | 5,039 |
Net loans and leases to core deposits | 106.4817% | 1,285 |
Total domestic deposits to total assets | 72.4685% | 7,087 |
Equity capital to assets | 9.0428% | 5,519 |
Core capital (leverage) ratio | 8.2330% | 5,988 |
Tier 1 risk-based capital ratio | 13.5148% | 4,199 |
Total risk-based capital ratio | 14.8006% | 4,111 |
Memoranda: | ||
Average total assets | $185,500,750 | 3,337 |
Average earning assets | $170,635,000 | 3,315 |
Average equity | $16,468,000 | 3,730 |
Average total loans | $105,400,500 | 3,696 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1089% | 4,406 |
Cost of funding earning assets | 1.3397% | 4,255 |
Net interest margin | 3.7692% | 4,053 |
Noninterest income to average assets | 0.0594% | 7,288 |
Noninterest expense to average assets | 2.1699% | 6,720 |
Loan and lease loss provision to assets | 2.5654% | 435 |
Net operating income to assets | -0.7768% | 6,853 |
Return on assets (ROA) | 0.0054% | 6,178 |
Pretax return on assets | 0.0184% | 6,124 |
Return on Equity (ROE) | 0.0612% | 6,179 |
Retained earnings to average equity (ytd only) | 0.0612% | 5,715 |
Net charge-offs to loans | 0.4952% | 3,054 |
Credit loss provision to net charge-offs | 895.8491% | 419 |
Earnings coverage of net charge-offs (x) | 4.7547% | 2,858 |
Efficiency ratio | 61.4443% | 5,779 |
Assets per employee ($millions) | 6.0223% | 1,212 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
Condition Ratios (%) | ||
Loss allowance to loans | 4.8131% | 198 |
Loan loss allowance to noncurrent loans | 168.0450% | 1,681 |
Noncurrent assets plus other real estate owned to assets | 1.7834% | 3,783 |
Noncurrent loans to loans | 2.8642% | 2,794 |
Net loans and leases to total assets | 55.6081% | 5,767 |
Net loans and leases to deposits | 78.6082% | 3,865 |
Net loans and leases to core deposits | 110.9325% | 1,105 |
Total domestic deposits to total assets | 70.7408% | 7,282 |
Equity capital to assets | 9.0564% | 5,357 |
Core capital (leverage) ratio | 8.1010% | 6,113 |
Tier 1 risk-based capital ratio | 13.2821% | 4,219 |
Total risk-based capital ratio | 14.5708% | 4,149 |
Memoranda: | ||
Average total assets | $185,078,330 | 3,370 |
Average earning assets | $170,487,670 | 3,333 |
Average equity | $16,327,670 | 3,747 |
Average total loans | $107,020,330 | 3,694 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2245% | 3,901 |
Cost of funding earning assets | 1.3604% | 4,420 |
Net interest margin | 3.8641% | 3,490 |
Noninterest income to average assets | 0.0641% | 7,400 |
Noninterest expense to average assets | 2.1871% | 6,720 |
Loan and lease loss provision to assets | 1.3477% | 886 |
Net operating income to assets | 0.0577% | 6,137 |
Return on assets (ROA) | 0.0577% | 6,248 |
Pretax return on assets | 0.1025% | 6,127 |
Return on Equity (ROE) | 0.6622% | 6,221 |
Retained earnings to average equity (ytd only) | 0.6622% | 5,559 |
Net charge-offs to loans | 0.0631% | 4,784 |
Credit loss provision to net charge-offs | 3,711.7647% | 129 |
Earnings coverage of net charge-offs (x) | 39.9412% | 689 |
Efficiency ratio | 60.1292% | 6,149 |
Assets per employee ($millions) | 6.3342% | 1,074 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.3594% | 600 |
Loan loss allowance to noncurrent loans | 117.6953% | 2,351 |
Noncurrent assets plus other real estate owned to assets | 1.7077% | 3,916 |
Noncurrent loans to loans | 2.8543% | 2,821 |
Net loans and leases to total assets | 54.2718% | 5,996 |
Net loans and leases to deposits | 78.2558% | 3,993 |
Net loans and leases to core deposits | 114.1739% | 1,033 |
Total domestic deposits to total assets | 69.3517% | 7,453 |
Equity capital to assets | 8.6698% | 5,775 |
Core capital (leverage) ratio | 8.3577% | 5,629 |
Tier 1 risk-based capital ratio | 12.8682% | 4,423 |
Total risk-based capital ratio | 14.1392% | 4,388 |
Memoranda: | ||
Average total assets | $187,283,500 | 3,399 |
Average earning assets | $173,184,500 | 3,347 |
Average equity | $16,310,500 | 3,778 |
Average total loans | $107,757,500 | 3,737 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.5508% | 3,866 |
Cost of funding earning assets | 1.9261% | 3,327 |
Net interest margin | 3.6247% | 4,452 |
Noninterest income to average assets | -0.0073% | 7,722 |
Noninterest expense to average assets | 2.1574% | 7,073 |
Loan and lease loss provision to assets | 2.1151% | 997 |
Net operating income to assets | -0.6002% | 6,266 |
Return on assets (ROA) | -0.3517% | 6,018 |
Pretax return on assets | -0.5538% | 6,057 |
Return on Equity (ROE) | -3.9938% | 6,106 |
Retained earnings to average equity (ytd only) | -3.9938% | 5,858 |
Net charge-offs to loans | 2.3973% | 952 |
Credit loss provision to net charge-offs | 136.6023% | 3,611 |
Earnings coverage of net charge-offs (x) | 0.7576% | 5,345 |
Efficiency ratio | 64.7797% | 5,627 |
Assets per employee ($millions) | 5.9529% | 1,280 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.7307% | 991 |
Loan loss allowance to noncurrent loans | 105.0937% | 2,679 |
Noncurrent assets plus other real estate owned to assets | 1.6815% | 3,843 |
Noncurrent loans to loans | 2.5984% | 2,959 |
Net loans and leases to total assets | 57.3469% | 5,767 |
Net loans and leases to deposits | 84.7539% | 3,132 |
Net loans and leases to core deposits | 111.1078% | 2,786 |
Total domestic deposits to total assets | 67.6628% | 7,571 |
Equity capital to assets | 8.7493% | 5,517 |
Core capital (leverage) ratio | 8.1808% | 5,848 |
Tier 1 risk-based capital ratio | 12.7584% | 4,318 |
Total risk-based capital ratio | 14.0218% | 4,244 |
Memoranda: | ||
Average total assets | $177,155,400 | 3,486 |
Average earning assets | $163,129,800 | 3,461 |
Average equity | $15,599,000 | 3,946 |
Average total loans | $114,420,800 | 3,598 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.5912% | 3,918 |
Cost of funding earning assets | 2.0541% | 3,097 |
Net interest margin | 3.5371% | 4,712 |
Noninterest income to average assets | 0.0487% | 7,657 |
Noninterest expense to average assets | 2.1265% | 7,138 |
Loan and lease loss provision to assets | 1.5051% | 1,275 |
Net operating income to assets | -0.2194% | 6,097 |
Return on assets (ROA) | 0.0761% | 5,580 |
Pretax return on assets | 0.1331% | 5,453 |
Return on Equity (ROE) | 0.8623% | 5,542 |
Retained earnings to average equity (ytd only) | 0.8623% | 4,822 |
Net charge-offs to loans | 0.0530% | 6,178 |
Credit loss provision to net charge-offs | 4,302.1739% | 96 |
Earnings coverage of net charge-offs (x) | 33.6315% | 857 |
Efficiency ratio | 64.3795% | 5,677 |
Assets per employee ($millions) | 6.2105% | 1,113 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.3580% | 476 |
Loan loss allowance to noncurrent loans | 72.6122% | 3,707 |
Noncurrent assets plus other real estate owned to assets | 3.0546% | 2,258 |
Noncurrent loans to loans | 4.6246% | 1,493 |
Net loans and leases to total assets | 58.2988% | 5,843 |
Net loans and leases to deposits | 79.5748% | 4,461 |
Net loans and leases to core deposits | 106.9206% | 3,598 |
Total domestic deposits to total assets | 73.2630% | 7,055 |
Equity capital to assets | 8.5230% | 6,225 |
Core capital (leverage) ratio | 8.2774% | 5,876 |
Tier 1 risk-based capital ratio | 12.2772% | 4,726 |
Total risk-based capital ratio | 13.5493% | 4,649 |
Memoranda: | ||
Average total assets | $175,309,250 | 3,525 |
Average earning assets | $161,297,000 | 3,523 |
Average equity | $15,462,250 | 4,014 |
Average total loans | $115,826,250 | 3,599 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.7065% | 3,503 |
Cost of funding earning assets | 2.1969% | 2,809 |
Net interest margin | 3.5096% | 4,759 |
Noninterest income to average assets | 0.0495% | 7,740 |
Noninterest expense to average assets | 2.2091% | 7,032 |
Loan and lease loss provision to assets | 1.0073% | 1,671 |
Net operating income to assets | 0.0286% | 5,762 |
Return on assets (ROA) | 0.0543% | 5,790 |
Pretax return on assets | 0.0991% | 5,680 |
Return on Equity (ROE) | 0.6074% | 5,751 |
Retained earnings to average equity (ytd only) | 0.6074% | 4,943 |
Net charge-offs to loans | 0.0104% | 6,420 |
Credit loss provision to net charge-offs | 14,233.3333% | 31 |
Earnings coverage of net charge-offs (x) | 150.6667% | 268 |
Efficiency ratio | 67.4469% | 5,264 |
Assets per employee ($millions) | 6.5835% | 937 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.3992% | 991 |
Loan loss allowance to noncurrent loans | 77.6766% | 3,600 |
Noncurrent assets plus other real estate owned to assets | 2.0631% | 3,113 |
Noncurrent loans to loans | 3.0886% | 2,325 |
Net loans and leases to total assets | 62.1243% | 5,342 |
Net loans and leases to deposits | 88.7337% | 3,046 |
Net loans and leases to core deposits | 112.5650% | 3,069 |
Total domestic deposits to total assets | 70.0120% | 7,473 |
Equity capital to assets | 8.2881% | 6,348 |
Core capital (leverage) ratio | 8.2332% | 5,914 |
Tier 1 risk-based capital ratio | 11.5264% | 5,351 |
Total risk-based capital ratio | 12.7882% | 5,271 |
Memoranda: | ||
Average total assets | $169,570,000 | 3,652 |
Average earning assets | $155,858,670 | 3,635 |
Average equity | $15,146,670 | 4,091 |
Average total loans | $115,721,330 | 3,631 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.7912% | 3,348 |
Cost of funding earning assets | 2.3818% | 2,371 |
Net interest margin | 3.4094% | 5,100 |
Noninterest income to average assets | 0.0543% | 7,807 |
Noninterest expense to average assets | 2.1679% | 6,958 |
Loan and lease loss provision to assets | 1.0605% | 1,236 |
Net operating income to assets | -0.0290% | 6,300 |
Return on assets (ROA) | 0.0247% | 6,349 |
Pretax return on assets | 0.0518% | 6,276 |
Return on Equity (ROE) | 0.2652% | 6,348 |
Retained earnings to average equity (ytd only) | 0.2652% | 5,550 |
Net charge-offs to loans | 0.0209% | 5,271 |
Credit loss provision to net charge-offs | 7,166.6667% | 102 |
Earnings coverage of net charge-offs (x) | 69.5000% | 576 |
Efficiency ratio | 67.8241% | 4,997 |
Assets per employee ($millions) | 5.8543% | 1,286 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0713% | 1,289 |
Loan loss allowance to noncurrent loans | 100.1676% | 3,062 |
Noncurrent assets plus other real estate owned to assets | 1.5114% | 3,667 |
Noncurrent loans to loans | 2.0679% | 3,172 |
Net loans and leases to total assets | 66.5824% | 4,445 |
Net loans and leases to deposits | 96.6418% | 1,849 |
Net loans and leases to core deposits | 129.8054% | 1,668 |
Total domestic deposits to total assets | 68.8961% | 7,529 |
Equity capital to assets | 8.9524% | 5,413 |
Core capital (leverage) ratio | 9.0209% | 4,670 |
Tier 1 risk-based capital ratio | 11.6478% | 5,253 |
Total risk-based capital ratio | 12.9061% | 5,163 |
Memoranda: | ||
Average total assets | $162,186,500 | 3,790 |
Average earning assets | $149,467,000 | 3,762 |
Average equity | $15,081,000 | 4,124 |
Average total loans | $114,915,500 | 3,675 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.4014% | 3,414 |
Cost of funding earning assets | 3.2921% | 950 |
Net interest margin | 3.1093% | 6,626 |
Noninterest income to average assets | 0.0802% | 7,742 |
Noninterest expense to average assets | 2.4192% | 6,333 |
Loan and lease loss provision to assets | 0.6465% | 2,251 |
Net operating income to assets | -0.0965% | 6,490 |
Return on assets (ROA) | -0.0634% | 6,312 |
Pretax return on assets | -0.0882% | 6,256 |
Return on Equity (ROE) | -0.5924% | 6,307 |
Retained earnings to average equity (ytd only) | -0.5924% | 5,468 |
Net charge-offs to loans | 0.2001% | 4,195 |
Credit loss provision to net charge-offs | 412.5581% | 1,057 |
Earnings coverage of net charge-offs (x) | 3.2698% | 4,453 |
Efficiency ratio | 82.5211% | 2,235 |
Assets per employee ($millions) | 5.1532% | 1,777 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7194% | 1,848 |
Loan loss allowance to noncurrent loans | 151.6577% | 2,441 |
Noncurrent assets plus other real estate owned to assets | 0.8390% | 4,747 |
Noncurrent loans to loans | 1.1338% | 4,276 |
Net loans and leases to total assets | 72.7259% | 3,427 |
Net loans and leases to deposits | 97.1234% | 2,271 |
Net loans and leases to core deposits | 145.3079% | 1,037 |
Total domestic deposits to total assets | 74.8798% | 6,480 |
Equity capital to assets | 9.6787% | 4,454 |
Core capital (leverage) ratio | 9.9475% | 3,499 |
Tier 1 risk-based capital ratio | 11.6770% | 5,076 |
Total risk-based capital ratio | 12.9310% | 4,969 |
Memoranda: | ||
Average total assets | $137,194,000 | 4,137 |
Average earning assets | $125,815,800 | 4,132 |
Average equity | $14,687,000 | 4,197 |
Average total loans | $107,451,800 | 3,754 |