Home > Prior Lake State Bank > Performance and Condition Ratios
Prior Lake State Bank, Performance and Condition Ratios
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 | 1.4941% | 6,536 |
Cost of funding earning assets | 0.1003% | 6,415 |
Net interest margin | 1.3938% | 6,524 |
Noninterest income to average assets | 0.1536% | 5,997 |
Noninterest expense to average assets | 0.7710% | 6,556 |
Loan and lease loss provision to assets | 0.0000% | 4,401 |
Net operating income to assets | 0.6801% | 4,046 |
Return on assets (ROA) | 0.5938% | 4,556 |
Pretax return on assets | 0.5938% | 5,053 |
Return on Equity (ROE) | 4.6049% | 4,904 |
Retained earnings to average equity (ytd only) | -59.0201% | 6,568 |
Net charge-offs to loans | -0.0328% | 5,770 |
Credit loss provision to net charge-offs | 0.0000% | 3,801 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 53.1305% | 5,909 |
Assets per employee ($millions) | 8.0704% | 507 |
Cash dividends to net income (ytd only)* | 1,381.6835% | 3 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.0248% | 6,528 |
Loan loss allowance to noncurrent loans | 7.7143% | 6,030 |
Noncurrent assets plus other real estate owned to assets | 1.2305% | 2,499 |
Noncurrent loans to loans | 0.3210% | 4,948 |
Net loans and leases to total assets | 51.9428% | 4,813 |
Net loans and leases to deposits | 59.3722% | 4,999 |
Net loans and leases to core deposits | 60.2565% | 5,173 |
Total domestic deposits to total assets | 87.4866% | 2,035 |
Equity capital to assets | 12.3680% | 1,792 |
Core capital (leverage) ratio | 10.6592% | 2,851 |
Tier 1 risk-based capital ratio | 15.5076% | 3,315 |
Total risk-based capital ratio | 15.5279% | 3,960 |
Memoranda: | ||
Average total assets | $208,385,750 | 2,918 |
Average earning assets | $194,001,750 | 2,891 |
Average equity | $26,869,250 | 2,505 |
Average total loans | $109,750,250 | 3,245 |
2014-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 0.5163% | 6,633 |
Cost of funding earning assets | 0.0361% | 6,597 |
Net interest margin | 0.4802% | 6,634 |
Noninterest income to average assets | 0.0683% | 6,382 |
Noninterest expense to average assets | 0.3107% | 6,641 |
Loan and lease loss provision to assets | 0.0000% | 4,196 |
Net operating income to assets | 0.2059% | 5,821 |
Return on assets (ROA) | 0.2059% | 5,880 |
Pretax return on assets | 0.2059% | 5,937 |
Return on Equity (ROE) | 1.5750% | 5,937 |
Retained earnings to average equity (ytd only) | -92.7912% | 6,644 |
Net charge-offs to loans | -0.0109% | 5,346 |
Credit loss provision to net charge-offs | 0.0000% | 3,401 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 60.1490% | 5,272 |
Assets per employee ($millions) | 8.0599% | 483 |
Cash dividends to net income (ytd only)* | 5,991.5888% | 2 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.0056% | 6,599 |
Loan loss allowance to noncurrent loans | 1.5113% | 6,106 |
Noncurrent assets plus other real estate owned to assets | 0.6246% | 4,098 |
Noncurrent loans to loans | 0.3677% | 4,890 |
Net loans and leases to total assets | 51.5165% | 4,799 |
Net loans and leases to deposits | 58.7055% | 4,981 |
Net loans and leases to core deposits | 59.5733% | 5,156 |
Total domestic deposits to total assets | 87.7542% | 2,057 |
Equity capital to assets | 12.1165% | 1,904 |
Core capital (leverage) ratio | 9.8688% | 3,783 |
Tier 1 risk-based capital ratio | 15.5535% | 3,331 |
Total risk-based capital ratio | 15.5582% | 3,990 |
Memoranda: | ||
Average total assets | $207,904,000 | 2,941 |
Average earning assets | $194,067,670 | 2,905 |
Average equity | $27,175,000 | 2,467 |
Average total loans | $109,994,000 | 3,242 |
2014-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.2169% | 5,979 |
Cost of funding earning assets | 0.2439% | 5,647 |
Net interest margin | 2.9730% | 5,588 |
Noninterest income to average assets | 0.3458% | 4,605 |
Noninterest expense to average assets | 1.4990% | 6,498 |
Loan and lease loss provision to assets | 0.0000% | 3,817 |
Net operating income to assets | 1.6960% | 582 |
Return on assets (ROA) | 1.6960% | 597 |
Pretax return on assets | 1.6960% | 985 |
Return on Equity (ROE) | 12.5129% | 1,279 |
Retained earnings to average equity (ytd only) | 12.5129% | 540 |
Net charge-offs to loans | -0.1297% | 6,228 |
Credit loss provision to net charge-offs | 0.0000% | 2,688 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 46.9166% | 6,398 |
Assets per employee ($millions) | 6.1293% | 1,217 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6096% | 2,654 |
Loan loss allowance to noncurrent loans | 99.7738% | 3,610 |
Noncurrent assets plus other real estate owned to assets | 1.4804% | 2,387 |
Noncurrent loans to loans | 1.6132% | 2,409 |
Net loans and leases to total assets | 51.7436% | 4,700 |
Net loans and leases to deposits | 60.1071% | 4,750 |
Net loans and leases to core deposits | 61.0180% | 4,959 |
Total domestic deposits to total assets | 86.0856% | 3,320 |
Equity capital to assets | 13.6774% | 1,044 |
Core capital (leverage) ratio | 13.6566% | 931 |
Tier 1 risk-based capital ratio | 21.8551% | 1,315 |
Total risk-based capital ratio | 23.1061% | 1,291 |
Memoranda: | ||
Average total assets | $207,077,000 | 2,969 |
Average earning assets | $198,453,500 | 2,867 |
Average equity | $28,067,000 | 2,400 |
Average total loans | $111,009,500 | 3,241 |
2013-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4236% | 5,790 |
Cost of funding earning assets | 0.2657% | 5,865 |
Net interest margin | 3.1578% | 5,133 |
Noninterest income to average assets | 0.2626% | 5,468 |
Noninterest expense to average assets | 1.6967% | 6,450 |
Loan and lease loss provision to assets | -0.2486% | 6,639 |
Net operating income to assets | 1.8165% | 470 |
Return on assets (ROA) | 1.8165% | 478 |
Pretax return on assets | 1.8165% | 731 |
Return on Equity (ROE) | 13.6106% | 1,039 |
Retained earnings to average equity (ytd only) | 4.8548% | 2,696 |
Net charge-offs to loans | -0.0270% | 6,207 |
Credit loss provision to net charge-offs | 1,724.1379% | 145 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 51.9726% | 6,298 |
Assets per employee ($millions) | 6.0517% | 1,244 |
Cash dividends to net income (ytd only)* | 64.3307% | 1,573 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5361% | 3,027 |
Loan loss allowance to noncurrent loans | 96.4266% | 3,708 |
Noncurrent assets plus other real estate owned to assets | 1.5436% | 2,414 |
Noncurrent loans to loans | 1.5931% | 2,514 |
Net loans and leases to total assets | 53.7993% | 4,608 |
Net loans and leases to deposits | 62.3154% | 4,690 |
Net loans and leases to core deposits | 63.4829% | 4,922 |
Total domestic deposits to total assets | 86.3340% | 3,092 |
Equity capital to assets | 13.4288% | 1,098 |
Core capital (leverage) ratio | 13.4001% | 991 |
Tier 1 risk-based capital ratio | 20.0405% | 1,645 |
Total risk-based capital ratio | 21.2425% | 1,626 |
Memoranda: | ||
Average total assets | $201,098,800 | 3,021 |
Average earning assets | $191,174,400 | 2,937 |
Average equity | $26,839,400 | 2,477 |
Average total loans | $107,233,000 | 3,300 |
2013-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4447% | 5,793 |
Cost of funding earning assets | 0.2714% | 5,950 |
Net interest margin | 3.1732% | 5,078 |
Noninterest income to average assets | 0.4215% | 4,357 |
Noninterest expense to average assets | 1.5825% | 6,568 |
Loan and lease loss provision to assets | 0.0000% | 4,941 |
Net operating income to assets | 1.8486% | 483 |
Return on assets (ROA) | 1.8486% | 495 |
Pretax return on assets | 1.8486% | 805 |
Return on Equity (ROE) | 13.8728% | 1,020 |
Retained earnings to average equity (ytd only) | 4.3640% | 3,570 |
Net charge-offs to loans | -0.0327% | 6,186 |
Credit loss provision to net charge-offs | 0.0000% | 4,342 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 46.1224% | 6,583 |
Assets per employee ($millions) | 6.3238% | 1,023 |
Cash dividends to net income (ytd only)* | 68.5425% | 1,124 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0253% | 1,661 |
Loan loss allowance to noncurrent loans | 122.0516% | 2,973 |
Noncurrent assets plus other real estate owned to assets | 1.7335% | 2,368 |
Noncurrent loans to loans | 1.6594% | 2,695 |
Net loans and leases to total assets | 53.1896% | 4,723 |
Net loans and leases to deposits | 61.6783% | 4,801 |
Net loans and leases to core deposits | 62.8506% | 5,029 |
Total domestic deposits to total assets | 86.2371% | 3,110 |
Equity capital to assets | 13.4550% | 1,137 |
Core capital (leverage) ratio | 13.4806% | 1,032 |
Tier 1 risk-based capital ratio | 20.9510% | 1,502 |
Total risk-based capital ratio | 22.2067% | 1,476 |
Memoranda: | ||
Average total assets | $199,933,750 | 3,055 |
Average earning assets | $189,622,000 | 2,977 |
Average equity | $26,641,500 | 2,513 |
Average total loans | $105,935,250 | 3,348 |
2013-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4418% | 5,807 |
Cost of funding earning assets | 0.2759% | 6,014 |
Net interest margin | 3.1659% | 5,065 |
Noninterest income to average assets | 0.5183% | 3,714 |
Noninterest expense to average assets | 1.7165% | 6,482 |
Loan and lease loss provision to assets | 0.0000% | 4,788 |
Net operating income to assets | 1.7979% | 524 |
Return on assets (ROA) | 1.7979% | 563 |
Pretax return on assets | 1.7979% | 933 |
Return on Equity (ROE) | 13.5370% | 1,120 |
Retained earnings to average equity (ytd only) | 1.4369% | 5,302 |
Net charge-offs to loans | -0.0172% | 5,924 |
Credit loss provision to net charge-offs | 0.0000% | 4,003 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 48.8425% | 6,493 |
Assets per employee ($millions) | 5.6929% | 1,423 |
Cash dividends to net income (ytd only)* | 89.3855% | 694 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0646% | 1,709 |
Loan loss allowance to noncurrent loans | 115.8447% | 3,100 |
Noncurrent assets plus other real estate owned to assets | 1.8739% | 2,308 |
Noncurrent loans to loans | 1.7822% | 2,657 |
Net loans and leases to total assets | 54.1127% | 4,573 |
Net loans and leases to deposits | 62.8256% | 4,648 |
Net loans and leases to core deposits | 63.9054% | 4,903 |
Total domestic deposits to total assets | 86.1317% | 3,295 |
Equity capital to assets | 13.5924% | 1,088 |
Core capital (leverage) ratio | 13.3510% | 1,038 |
Tier 1 risk-based capital ratio | 21.0979% | 1,469 |
Total risk-based capital ratio | 22.3551% | 1,441 |
Memoranda: | ||
Average total assets | $199,124,000 | 3,080 |
Average earning assets | $188,445,330 | 3,012 |
Average equity | $26,446,000 | 2,541 |
Average total loans | $104,626,670 | 3,388 |
2013-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3470% | 6,048 |
Cost of funding earning assets | 0.2779% | 6,119 |
Net interest margin | 3.0692% | 5,368 |
Noninterest income to average assets | 0.5190% | 3,641 |
Noninterest expense to average assets | 1.7394% | 6,515 |
Loan and lease loss provision to assets | 0.0000% | 4,409 |
Net operating income to assets | 1.6899% | 598 |
Return on assets (ROA) | 1.6899% | 657 |
Pretax return on assets | 1.6899% | 1,101 |
Return on Equity (ROE) | 12.8684% | 1,200 |
Retained earnings to average equity (ytd only) | -2.2177% | 6,100 |
Net charge-offs to loans | -0.0116% | 5,495 |
Credit loss provision to net charge-offs | 0.0000% | 3,239 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 50.7221% | 6,454 |
Assets per employee ($millions) | 6.2023% | 1,138 |
Cash dividends to net income (ytd only)* | 117.2333% | 516 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1190% | 1,754 |
Loan loss allowance to noncurrent loans | 109.9351% | 3,094 |
Noncurrent assets plus other real estate owned to assets | 1.9514% | 2,406 |
Noncurrent loans to loans | 1.9275% | 2,705 |
Net loans and leases to total assets | 51.2495% | 4,803 |
Net loans and leases to deposits | 59.3096% | 4,873 |
Net loans and leases to core deposits | 60.2997% | 5,113 |
Total domestic deposits to total assets | 86.4102% | 3,296 |
Equity capital to assets | 13.3021% | 1,295 |
Core capital (leverage) ratio | 12.8067% | 1,190 |
Tier 1 risk-based capital ratio | 21.0051% | 1,534 |
Total risk-based capital ratio | 22.2593% | 1,508 |
Memoranda: | ||
Average total assets | $201,907,500 | 3,079 |
Average earning assets | $191,452,500 | 2,996 |
Average equity | $26,514,500 | 2,565 |
Average total loans | $103,466,500 | 3,427 |
2012-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6458% | 6,138 |
Cost of funding earning assets | 0.3554% | 6,179 |
Net interest margin | 3.2904% | 5,274 |
Noninterest income to average assets | 0.4860% | 3,990 |
Noninterest expense to average assets | 1.7536% | 6,674 |
Loan and lease loss provision to assets | 0.2046% | 3,099 |
Net operating income to assets | 1.6539% | 679 |
Return on assets (ROA) | 1.6539% | 757 |
Pretax return on assets | 1.6539% | 1,253 |
Return on Equity (ROE) | 12.5411% | 1,347 |
Retained earnings to average equity (ytd only) | 4.8993% | 2,764 |
Net charge-offs to loans | -0.1754% | 6,921 |
Credit loss provision to net charge-offs | -220.9945% | 6,404 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 48.5484% | 6,679 |
Assets per employee ($millions) | 6.6240% | 936 |
Cash dividends to net income (ytd only)* | 60.9341% | 1,743 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1346% | 1,676 |
Loan loss allowance to noncurrent loans | 109.6211% | 3,111 |
Noncurrent assets plus other real estate owned to assets | 1.9036% | 2,562 |
Noncurrent loans to loans | 1.9473% | 2,749 |
Net loans and leases to total assets | 49.0964% | 5,295 |
Net loans and leases to deposits | 56.5848% | 5,380 |
Net loans and leases to core deposits | 57.4912% | 5,593 |
Total domestic deposits to total assets | 86.7660% | 2,952 |
Equity capital to assets | 12.9676% | 1,467 |
Core capital (leverage) ratio | 12.9053% | 1,147 |
Tier 1 risk-based capital ratio | 20.9142% | 1,483 |
Total risk-based capital ratio | 22.1703% | 1,455 |
Memoranda: | ||
Average total assets | $195,481,600 | 3,102 |
Average earning assets | $185,720,200 | 3,017 |
Average equity | $25,779,200 | 2,588 |
Average total loans | $103,175,000 | 3,454 |
2012-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7323% | 6,162 |
Cost of funding earning assets | 0.3734% | 6,261 |
Net interest margin | 3.3589% | 5,186 |
Noninterest income to average assets | 0.4545% | 4,254 |
Noninterest expense to average assets | 1.7601% | 6,727 |
Loan and lease loss provision to assets | 0.2763% | 2,367 |
Net operating income to assets | 1.6060% | 828 |
Return on assets (ROA) | 1.6060% | 927 |
Pretax return on assets | 1.6060% | 1,557 |
Return on Equity (ROE) | 12.1247% | 1,593 |
Retained earnings to average equity (ytd only) | 4.3545% | 3,827 |
Net charge-offs to loans | 0.0013% | 5,761 |
Credit loss provision to net charge-offs | 40,000.0000% | 1 |
Earnings coverage of net charge-offs (x) | 2,731.7594% | 8 |
Efficiency ratio | 48.3216% | 6,700 |
Assets per employee ($millions) | 6.3908% | 1,001 |
Cash dividends to net income (ytd only)* | 64.0862% | 1,122 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0170% | 2,120 |
Loan loss allowance to noncurrent loans | 98.7757% | 3,266 |
Noncurrent assets plus other real estate owned to assets | 2.0644% | 2,571 |
Noncurrent loans to loans | 2.0420% | 2,805 |
Net loans and leases to total assets | 49.4564% | 5,377 |
Net loans and leases to deposits | 57.1771% | 5,512 |
Net loans and leases to core deposits | 58.1296% | 5,724 |
Total domestic deposits to total assets | 86.4968% | 2,981 |
Equity capital to assets | 13.1650% | 1,512 |
Core capital (leverage) ratio | 12.9727% | 1,201 |
Tier 1 risk-based capital ratio | 21.4501% | 1,430 |
Total risk-based capital ratio | 22.6874% | 1,405 |
Memoranda: | ||
Average total assets | $193,016,250 | 3,175 |
Average earning assets | $183,188,500 | 3,077 |
Average equity | $25,567,000 | 2,632 |
Average total loans | $103,215,000 | 3,478 |
2012-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7756% | 6,199 |
Cost of funding earning assets | 0.3884% | 6,340 |
Net interest margin | 3.3872% | 5,129 |
Noninterest income to average assets | 0.3471% | 5,062 |
Noninterest expense to average assets | 1.7468% | 6,804 |
Loan and lease loss provision to assets | 0.2613% | 2,484 |
Net operating income to assets | 1.5660% | 889 |
Return on assets (ROA) | 1.5660% | 997 |
Pretax return on assets | 1.5660% | 1,654 |
Return on Equity (ROE) | 11.7974% | 1,727 |
Retained earnings to average equity (ytd only) | 1.5593% | 5,423 |
Net charge-offs to loans | -0.1534% | 6,948 |
Credit loss provision to net charge-offs | -312.5000% | 6,211 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 48.8739% | 6,721 |
Assets per employee ($millions) | 5.6190% | 1,504 |
Cash dividends to net income (ytd only)* | 86.7824% | 668 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8745% | 2,631 |
Loan loss allowance to noncurrent loans | 84.6957% | 3,628 |
Noncurrent assets plus other real estate owned to assets | 2.5622% | 2,180 |
Noncurrent loans to loans | 2.2132% | 2,699 |
Net loans and leases to total assets | 53.3767% | 4,901 |
Net loans and leases to deposits | 61.8339% | 5,020 |
Net loans and leases to core deposits | 62.8984% | 5,310 |
Total domestic deposits to total assets | 86.3227% | 3,180 |
Equity capital to assets | 13.3748% | 1,353 |
Core capital (leverage) ratio | 12.8920% | 1,179 |
Tier 1 risk-based capital ratio | 21.0540% | 1,471 |
Total risk-based capital ratio | 22.3168% | 1,442 |
Memoranda: | ||
Average total assets | $191,316,330 | 3,199 |
Average earning assets | $182,273,670 | 3,096 |
Average equity | $25,395,330 | 2,626 |
Average total loans | $104,287,330 | 3,468 |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8230% | 6,198 |
Cost of funding earning assets | 0.4226% | 6,300 |
Net interest margin | 3.4004% | 5,119 |
Noninterest income to average assets | 0.4137% | 4,568 |
Noninterest expense to average assets | 1.9326% | 6,580 |
Loan and lease loss provision to assets | 0.2089% | 2,858 |
Net operating income to assets | 1.5001% | 1,019 |
Return on assets (ROA) | 1.5001% | 1,141 |
Pretax return on assets | 1.5001% | 1,868 |
Return on Equity (ROE) | 11.3442% | 1,888 |
Retained earnings to average equity (ytd only) | -2.8755% | 6,377 |
Net charge-offs to loans | -0.2221% | 7,013 |
Credit loss provision to net charge-offs | -172.4138% | 5,566 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 53.0694% | 6,429 |
Assets per employee ($millions) | 5.8009% | 1,434 |
Cash dividends to net income (ytd only)* | 125.3482% | 400 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6881% | 3,391 |
Loan loss allowance to noncurrent loans | 84.0114% | 3,547 |
Noncurrent assets plus other real estate owned to assets | 2.7326% | 2,156 |
Noncurrent loans to loans | 2.0094% | 3,153 |
Net loans and leases to total assets | 54.0294% | 4,717 |
Net loans and leases to deposits | 62.5113% | 4,845 |
Net loans and leases to core deposits | 63.5830% | 5,167 |
Total domestic deposits to total assets | 86.4315% | 3,285 |
Equity capital to assets | 13.2399% | 1,341 |
Core capital (leverage) ratio | 13.0911% | 1,091 |
Tier 1 risk-based capital ratio | 19.9731% | 1,719 |
Total risk-based capital ratio | 21.2297% | 1,688 |
Memoranda: | ||
Average total assets | $191,451,500 | 3,216 |
Average earning assets | $181,742,500 | 3,126 |
Average equity | $25,317,000 | 2,638 |
Average total loans | $104,470,000 | 3,493 |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1161% | 6,252 |
Cost of funding earning assets | 0.4629% | 6,690 |
Net interest margin | 3.6531% | 4,503 |
Noninterest income to average assets | 0.5678% | 3,376 |
Noninterest expense to average assets | 1.9435% | 6,772 |
Loan and lease loss provision to assets | 0.5002% | 2,102 |
Net operating income to assets | 1.5466% | 746 |
Return on assets (ROA) | 1.5466% | 809 |
Pretax return on assets | 1.5466% | 1,350 |
Return on Equity (ROE) | 11.6714% | 1,508 |
Retained earnings to average equity (ytd only) | 6.7988% | 1,591 |
Net charge-offs to loans | 0.7521% | 2,271 |
Credit loss provision to net charge-offs | 115.7697% | 2,813 |
Earnings coverage of net charge-offs (x) | 4.7372% | 2,992 |
Efficiency ratio | 48.7058% | 6,907 |
Assets per employee ($millions) | 5.6316% | 1,505 |
Cash dividends to net income (ytd only)* | 41.7483% | 2,484 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5597% | 3,752 |
Loan loss allowance to noncurrent loans | 63.7259% | 4,315 |
Noncurrent assets plus other real estate owned to assets | 3.1002% | 1,930 |
Noncurrent loans to loans | 2.4476% | 2,685 |
Net loans and leases to total assets | 53.3326% | 5,124 |
Net loans and leases to deposits | 61.6606% | 5,284 |
Net loans and leases to core deposits | 63.0105% | 5,557 |
Total domestic deposits to total assets | 86.4937% | 3,032 |
Equity capital to assets | 13.2075% | 1,394 |
Core capital (leverage) ratio | 13.2947% | 1,043 |
Tier 1 risk-based capital ratio | 20.3733% | 1,551 |
Total risk-based capital ratio | 21.6327% | 1,523 |
Memoranda: | ||
Average total assets | $184,923,000 | 3,262 |
Average earning assets | $173,248,600 | 3,184 |
Average equity | $24,504,400 | 2,621 |
Average total loans | $106,232,200 | 3,466 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1936% | 6,222 |
Cost of funding earning assets | 0.5013% | 6,689 |
Net interest margin | 3.6923% | 4,378 |
Noninterest income to average assets | 0.5914% | 3,223 |
Noninterest expense to average assets | 1.9437% | 6,798 |
Loan and lease loss provision to assets | 0.6001% | 1,642 |
Net operating income to assets | 1.4978% | 937 |
Return on assets (ROA) | 1.4978% | 1,019 |
Pretax return on assets | 1.4978% | 1,660 |
Return on Equity (ROE) | 11.2935% | 1,762 |
Retained earnings to average equity (ytd only) | 6.0609% | 2,526 |
Net charge-offs to loans | 0.3943% | 3,141 |
Credit loss provision to net charge-offs | 261.0759% | 1,091 |
Earnings coverage of net charge-offs (x) | 9.1266% | 2,092 |
Efficiency ratio | 48.0922% | 6,956 |
Assets per employee ($millions) | 5.1180% | 2,042 |
Cash dividends to net income (ytd only)* | 46.3333% | 1,743 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8749% | 2,703 |
Loan loss allowance to noncurrent loans | 68.2004% | 4,033 |
Noncurrent assets plus other real estate owned to assets | 4.4049% | 1,369 |
Noncurrent loans to loans | 2.7491% | 2,542 |
Net loans and leases to total assets | 56.8397% | 4,707 |
Net loans and leases to deposits | 66.0203% | 4,904 |
Net loans and leases to core deposits | 66.9556% | 5,316 |
Total domestic deposits to total assets | 86.0943% | 3,173 |
Equity capital to assets | 13.5269% | 1,358 |
Core capital (leverage) ratio | 13.1611% | 1,167 |
Tier 1 risk-based capital ratio | 19.6088% | 1,783 |
Total risk-based capital ratio | 20.8682% | 1,753 |
Memoranda: | ||
Average total assets | $183,285,250 | 3,303 |
Average earning assets | $171,271,750 | 3,230 |
Average equity | $24,308,250 | 2,643 |
Average total loans | $106,856,250 | 3,487 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2326% | 6,211 |
Cost of funding earning assets | 0.5212% | 6,777 |
Net interest margin | 3.7114% | 4,212 |
Noninterest income to average assets | 0.4996% | 3,857 |
Noninterest expense to average assets | 1.9829% | 6,825 |
Loan and lease loss provision to assets | 0.5739% | 1,691 |
Net operating income to assets | 1.4068% | 1,067 |
Return on assets (ROA) | 1.4068% | 1,129 |
Pretax return on assets | 1.4068% | 1,782 |
Return on Equity (ROE) | 10.6790% | 1,904 |
Retained earnings to average equity (ytd only) | 4.3562% | 3,420 |
Net charge-offs to loans | 0.0486% | 5,170 |
Credit loss provision to net charge-offs | 2,019.2308% | 162 |
Earnings coverage of net charge-offs (x) | 69.6923% | 480 |
Efficiency ratio | 50.0276% | 6,936 |
Assets per employee ($millions) | 5.0707% | 2,026 |
Cash dividends to net income (ytd only)* | 59.2075% | 1,377 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8715% | 2,759 |
Loan loss allowance to noncurrent loans | 76.0214% | 3,696 |
Noncurrent assets plus other real estate owned to assets | 4.2614% | 1,491 |
Noncurrent loans to loans | 2.4618% | 2,927 |
Net loans and leases to total assets | 57.1875% | 4,790 |
Net loans and leases to deposits | 66.2241% | 4,969 |
Net loans and leases to core deposits | 67.1601% | 5,373 |
Total domestic deposits to total assets | 86.3546% | 3,126 |
Equity capital to assets | 13.3025% | 1,380 |
Core capital (leverage) ratio | 13.0697% | 1,127 |
Tier 1 risk-based capital ratio | 19.2777% | 1,762 |
Total risk-based capital ratio | 20.5387% | 1,735 |
Memoranda: | ||
Average total assets | $182,964,330 | 3,330 |
Average earning assets | $170,770,000 | 3,265 |
Average equity | $24,103,330 | 2,654 |
Average total loans | $106,899,330 | 3,526 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2681% | 6,102 |
Cost of funding earning assets | 0.5402% | 6,830 |
Net interest margin | 3.7279% | 3,956 |
Noninterest income to average assets | 0.4258% | 4,490 |
Noninterest expense to average assets | 1.8343% | 7,096 |
Loan and lease loss provision to assets | 0.4913% | 1,783 |
Net operating income to assets | 1.5810% | 718 |
Return on assets (ROA) | 1.5810% | 764 |
Pretax return on assets | 1.5810% | 1,231 |
Return on Equity (ROE) | 12.0599% | 1,444 |
Retained earnings to average equity (ytd only) | 7.5624% | 1,914 |
Net charge-offs to loans | 0.0635% | 4,295 |
Credit loss provision to net charge-offs | 1,323.5294% | 303 |
Earnings coverage of net charge-offs (x) | 55.8235% | 526 |
Efficiency ratio | 46.9536% | 7,159 |
Assets per employee ($millions) | 4.9337% | 2,256 |
Cash dividends to net income (ytd only)* | 37.2928% | 1,815 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5957% | 3,747 |
Loan loss allowance to noncurrent loans | 58.0205% | 4,526 |
Noncurrent assets plus other real estate owned to assets | 4.8594% | 1,307 |
Noncurrent loans to loans | 2.7502% | 2,748 |
Net loans and leases to total assets | 59.0246% | 4,458 |
Net loans and leases to deposits | 68.6409% | 4,587 |
Net loans and leases to core deposits | 70.6028% | 4,970 |
Total domestic deposits to total assets | 85.9904% | 3,531 |
Equity capital to assets | 13.6318% | 1,133 |
Core capital (leverage) ratio | 13.2076% | 1,058 |
Tier 1 risk-based capital ratio | 18.9879% | 1,808 |
Total risk-based capital ratio | 20.2416% | 1,765 |
Memoranda: | ||
Average total assets | $183,174,000 | 3,353 |
Average earning assets | $171,034,500 | 3,287 |
Average equity | $24,013,500 | 2,638 |
Average total loans | $107,157,000 | 3,558 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5149% | 6,358 |
Cost of funding earning assets | 0.7192% | 6,828 |
Net interest margin | 3.7956% | 3,966 |
Noninterest income to average assets | 0.5312% | 3,945 |
Noninterest expense to average assets | 1.9677% | 7,074 |
Loan and lease loss provision to assets | 1.0070% | 1,614 |
Net operating income to assets | 1.1051% | 1,691 |
Return on assets (ROA) | 1.1051% | 1,762 |
Pretax return on assets | 1.1051% | 2,560 |
Return on Equity (ROE) | 8.8809% | 2,342 |
Retained earnings to average equity (ytd only) | 0.8307% | 5,134 |
Net charge-offs to loans | 2.5068% | 747 |
Credit loss provision to net charge-offs | 65.4206% | 5,973 |
Earnings coverage of net charge-offs (x) | 1.3721% | 4,737 |
Efficiency ratio | 48.2304% | 7,253 |
Assets per employee ($millions) | 5.3924% | 1,679 |
Cash dividends to net income (ytd only)* | 90.6461% | 552 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3843% | 4,594 |
Loan loss allowance to noncurrent loans | 55.6301% | 4,682 |
Noncurrent assets plus other real estate owned to assets | 4.5286% | 1,474 |
Noncurrent loans to loans | 2.4884% | 3,035 |
Net loans and leases to total assets | 56.3152% | 5,291 |
Net loans and leases to deposits | 64.6934% | 5,546 |
Net loans and leases to core deposits | 66.2866% | 5,845 |
Total domestic deposits to total assets | 87.0495% | 2,794 |
Equity capital to assets | 12.6183% | 1,568 |
Core capital (leverage) ratio | 11.9614% | 1,577 |
Tier 1 risk-based capital ratio | 18.1246% | 1,961 |
Total risk-based capital ratio | 19.2863% | 1,949 |
Memoranda: | ||
Average total assets | $187,680,600 | 3,259 |
Average earning assets | $175,464,200 | 3,179 |
Average equity | $23,353,400 | 2,717 |
Average total loans | $115,246,200 | 3,419 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5662% | 6,424 |
Cost of funding earning assets | 0.7529% | 6,903 |
Net interest margin | 3.8133% | 3,917 |
Noninterest income to average assets | 0.5293% | 3,949 |
Noninterest expense to average assets | 2.1036% | 6,837 |
Loan and lease loss provision to assets | 0.7683% | 1,989 |
Net operating income to assets | 1.2279% | 1,519 |
Return on assets (ROA) | 1.2279% | 1,593 |
Pretax return on assets | 1.2279% | 2,398 |
Return on Equity (ROE) | 9.9031% | 2,160 |
Retained earnings to average equity (ytd only) | -0.8836% | 5,991 |
Net charge-offs to loans | 2.1346% | 863 |
Credit loss provision to net charge-offs | 57.6000% | 5,756 |
Earnings coverage of net charge-offs (x) | 1.4965% | 4,608 |
Efficiency ratio | 51.3101% | 7,048 |
Assets per employee ($millions) | 5.8634% | 1,333 |
Cash dividends to net income (ytd only)* | 108.9220% | 286 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4598% | 4,155 |
Loan loss allowance to noncurrent loans | 83.9604% | 3,248 |
Noncurrent assets plus other real estate owned to assets | 4.3552% | 1,559 |
Noncurrent loans to loans | 1.7387% | 4,035 |
Net loans and leases to total assets | 59.1681% | 5,068 |
Net loans and leases to deposits | 67.7098% | 5,462 |
Net loans and leases to core deposits | 68.8756% | 5,855 |
Total domestic deposits to total assets | 87.3849% | 2,328 |
Equity capital to assets | 12.1918% | 2,037 |
Core capital (leverage) ratio | 11.9484% | 1,701 |
Tier 1 risk-based capital ratio | 16.5518% | 2,543 |
Total risk-based capital ratio | 17.7760% | 2,505 |
Memoranda: | ||
Average total assets | $187,417,250 | 3,309 |
Average earning assets | $175,486,250 | 3,224 |
Average equity | $23,238,000 | 2,774 |
Average total loans | $117,113,250 | 3,421 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6072% | 6,438 |
Cost of funding earning assets | 0.8117% | 6,872 |
Net interest margin | 3.7954% | 3,914 |
Noninterest income to average assets | 0.5178% | 3,972 |
Noninterest expense to average assets | 2.0961% | 6,917 |
Loan and lease loss provision to assets | 0.7605% | 1,889 |
Net operating income to assets | 1.2072% | 1,537 |
Return on assets (ROA) | 1.2072% | 1,612 |
Pretax return on assets | 1.2072% | 2,387 |
Return on Equity (ROE) | 9.6797% | 2,219 |
Retained earnings to average equity (ytd only) | -6.5829% | 6,701 |
Net charge-offs to loans | 2.3539% | 741 |
Credit loss provision to net charge-offs | 51.0130% | 5,394 |
Earnings coverage of net charge-offs (x) | 1.3198% | 4,508 |
Efficiency ratio | 51.5795% | 7,110 |
Assets per employee ($millions) | 5.2163% | 1,910 |
Cash dividends to net income (ytd only)* | 168.0071% | 151 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5769% | 3,551 |
Loan loss allowance to noncurrent loans | 83.5945% | 3,261 |
Noncurrent assets plus other real estate owned to assets | 5.0014% | 1,286 |
Noncurrent loans to loans | 1.8864% | 3,881 |
Net loans and leases to total assets | 60.2915% | 5,002 |
Net loans and leases to deposits | 68.9842% | 5,417 |
Net loans and leases to core deposits | 70.3853% | 5,837 |
Total domestic deposits to total assets | 87.3990% | 2,326 |
Equity capital to assets | 12.1979% | 1,980 |
Core capital (leverage) ratio | 12.0061% | 1,638 |
Tier 1 risk-based capital ratio | 15.9805% | 2,682 |
Total risk-based capital ratio | 17.2340% | 2,642 |
Memoranda: | ||
Average total assets | $185,392,670 | 3,366 |
Average earning assets | $173,208,330 | 3,289 |
Average equity | $23,120,670 | 2,781 |
Average total loans | $117,424,000 | 3,450 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6264% | 6,482 |
Cost of funding earning assets | 0.8660% | 6,886 |
Net interest margin | 3.7604% | 3,959 |
Noninterest income to average assets | 0.5060% | 4,002 |
Noninterest expense to average assets | 1.9088% | 7,317 |
Loan and lease loss provision to assets | 0.7166% | 1,777 |
Net operating income to assets | 1.4072% | 1,058 |
Return on assets (ROA) | 1.4072% | 1,130 |
Pretax return on assets | 1.4072% | 1,754 |
Return on Equity (ROE) | 11.1589% | 1,733 |
Retained earnings to average equity (ytd only) | -18.1161% | 7,313 |
Net charge-offs to loans | 2.5965% | 623 |
Credit loss provision to net charge-offs | 42.8571% | 4,589 |
Earnings coverage of net charge-offs (x) | 1.2701% | 3,989 |
Efficiency ratio | 47.3344% | 7,485 |
Assets per employee ($millions) | 5.1600% | 2,010 |
Cash dividends to net income (ytd only)* | 262.3457% | 115 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7860% | 2,777 |
Loan loss allowance to noncurrent loans | 169.3642% | 1,647 |
Noncurrent assets plus other real estate owned to assets | 5.2049% | 1,214 |
Noncurrent loans to loans | 1.0545% | 5,232 |
Net loans and leases to total assets | 62.4507% | 4,668 |
Net loans and leases to deposits | 71.7838% | 5,083 |
Net loans and leases to core deposits | 73.0285% | 5,606 |
Total domestic deposits to total assets | 86.9983% | 2,629 |
Equity capital to assets | 12.5919% | 1,703 |
Core capital (leverage) ratio | 11.6599% | 1,825 |
Tier 1 risk-based capital ratio | 16.2310% | 2,547 |
Total risk-based capital ratio | 17.4842% | 2,508 |
Memoranda: | ||
Average total assets | $184,196,000 | 3,443 |
Average earning assets | $172,746,000 | 3,362 |
Average equity | $23,228,000 | 2,803 |
Average total loans | $118,619,500 | 3,480 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1544% | 5,857 |
Cost of funding earning assets | 1.0717% | 7,053 |
Net interest margin | 4.0827% | 2,518 |
Noninterest income to average assets | 0.6271% | 3,447 |
Noninterest expense to average assets | 2.0923% | 7,200 |
Loan and lease loss provision to assets | 0.6702% | 3,136 |
Net operating income to assets | 1.7773% | 376 |
Return on assets (ROA) | 1.7773% | 395 |
Pretax return on assets | 1.7773% | 662 |
Return on Equity (ROE) | 14.2712% | 742 |
Retained earnings to average equity (ytd only) | 3.3775% | 2,807 |
Net charge-offs to loans | 0.9518% | 2,498 |
Credit loss provision to net charge-offs | 101.0682% | 5,460 |
Earnings coverage of net charge-offs (x) | 3.6910% | 3,242 |
Efficiency ratio | 46.0874% | 7,708 |
Assets per employee ($millions) | 5.5233% | 1,624 |
Cash dividends to net income (ytd only)* | 76.3335% | 1,309 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0351% | 1,948 |
Loan loss allowance to noncurrent loans | 83.4786% | 3,318 |
Noncurrent assets plus other real estate owned to assets | 2.8505% | 2,462 |
Noncurrent loans to loans | 2.4379% | 3,112 |
Net loans and leases to total assets | 63.8531% | 4,628 |
Net loans and leases to deposits | 73.6599% | 5,097 |
Net loans and leases to core deposits | 80.1555% | 6,083 |
Total domestic deposits to total assets | 86.6863% | 2,657 |
Equity capital to assets | 12.6283% | 1,682 |
Core capital (leverage) ratio | 12.3679% | 1,505 |
Tier 1 risk-based capital ratio | 16.3231% | 2,388 |
Total risk-based capital ratio | 17.5832% | 2,331 |
Memoranda: | ||
Average total assets | $183,532,200 | 3,376 |
Average earning assets | $175,889,800 | 3,270 |
Average equity | $22,857,200 | 2,845 |
Average total loans | $127,859,000 | 3,314 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2771% | 5,538 |
Cost of funding earning assets | 1.1297% | 7,098 |
Net interest margin | 4.1473% | 2,224 |
Noninterest income to average assets | 0.6518% | 3,338 |
Noninterest expense to average assets | 2.2447% | 6,854 |
Loan and lease loss provision to assets | 0.6576% | 2,776 |
Net operating income to assets | 1.7303% | 528 |
Return on assets (ROA) | 1.7303% | 558 |
Pretax return on assets | 1.7303% | 912 |
Return on Equity (ROE) | 13.9438% | 947 |
Retained earnings to average equity (ytd only) | -0.7184% | 5,410 |
Net charge-offs to loans | 0.4798% | 3,310 |
Credit loss provision to net charge-offs | 193.5484% | 2,329 |
Earnings coverage of net charge-offs (x) | 7.0280% | 2,488 |
Efficiency ratio | 48.4543% | 7,647 |
Assets per employee ($millions) | 5.1359% | 1,984 |
Cash dividends to net income (ytd only)* | 105.1523% | 514 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.2973% | 1,302 |
Loan loss allowance to noncurrent loans | 111.7376% | 2,523 |
Noncurrent assets plus other real estate owned to assets | 2.3115% | 2,964 |
Noncurrent loans to loans | 2.0559% | 3,556 |
Net loans and leases to total assets | 68.9216% | 3,734 |
Net loans and leases to deposits | 79.8399% | 4,414 |
Net loans and leases to core deposits | 87.3634% | 5,710 |
Total domestic deposits to total assets | 86.3247% | 2,523 |
Equity capital to assets | 12.7290% | 1,813 |
Core capital (leverage) ratio | 11.9453% | 1,826 |
Tier 1 risk-based capital ratio | 15.6925% | 2,742 |
Total risk-based capital ratio | 16.9556% | 2,669 |
Memoranda: | ||
Average total assets | $182,467,250 | 3,427 |
Average earning assets | $175,143,750 | 3,308 |
Average equity | $22,642,750 | 2,896 |
Average total loans | $129,223,250 | 3,314 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3451% | 5,417 |
Cost of funding earning assets | 1.1913% | 7,128 |
Net interest margin | 4.1538% | 2,145 |
Noninterest income to average assets | 0.6740% | 3,167 |
Noninterest expense to average assets | 2.2883% | 6,784 |
Loan and lease loss provision to assets | 0.6544% | 2,467 |
Net operating income to assets | 1.7167% | 544 |
Return on assets (ROA) | 1.7167% | 592 |
Pretax return on assets | 1.7167% | 983 |
Return on Equity (ROE) | 13.9518% | 999 |
Retained earnings to average equity (ytd only) | -5.1943% | 6,330 |
Net charge-offs to loans | 0.0800% | 5,408 |
Credit loss provision to net charge-offs | 1,153.8462% | 433 |
Earnings coverage of net charge-offs (x) | 41.8077% | 788 |
Efficiency ratio | 49.1105% | 7,713 |
Assets per employee ($millions) | 5.8443% | 1,312 |
Cash dividends to net income (ytd only)* | 137.2300% | 407 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.3461% | 1,047 |
Loan loss allowance to noncurrent loans | 106.6221% | 2,749 |
Noncurrent assets plus other real estate owned to assets | 2.2928% | 2,842 |
Noncurrent loans to loans | 2.2004% | 3,255 |
Net loans and leases to total assets | 65.3281% | 4,698 |
Net loans and leases to deposits | 74.9659% | 5,329 |
Net loans and leases to core deposits | 81.9536% | 6,245 |
Total domestic deposits to total assets | 87.1437% | 2,172 |
Equity capital to assets | 11.6233% | 2,450 |
Core capital (leverage) ratio | 11.6934% | 1,982 |
Tier 1 risk-based capital ratio | 15.1730% | 2,950 |
Total risk-based capital ratio | 16.4398% | 2,877 |
Memoranda: | ||
Average total assets | $183,371,330 | 3,435 |
Average earning assets | $175,936,330 | 3,318 |
Average equity | $22,563,330 | 2,906 |
Average total loans | $130,030,000 | 3,336 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.5395% | 4,699 |
Cost of funding earning assets | 1.2796% | 7,081 |
Net interest margin | 4.2599% | 1,703 |
Noninterest income to average assets | 0.6606% | 3,131 |
Noninterest expense to average assets | 2.2281% | 6,773 |
Loan and lease loss provision to assets | 0.6718% | 1,884 |
Net operating income to assets | 1.8609% | 472 |
Return on assets (ROA) | 1.8609% | 525 |
Pretax return on assets | 1.8609% | 875 |
Return on Equity (ROE) | 14.6842% | 1,037 |
Retained earnings to average equity (ytd only) | -11.8216% | 7,253 |
Net charge-offs to loans | -0.0644% | 7,776 |
Credit loss provision to net charge-offs | -1,428.5714% | 6,573 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 46.8015% | 7,805 |
Assets per employee ($millions) | 5.5788% | 1,498 |
Cash dividends to net income (ytd only)* | 180.5054% | 346 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1393% | 1,164 |
Loan loss allowance to noncurrent loans | 137.5430% | 2,326 |
Noncurrent assets plus other real estate owned to assets | 1.6225% | 3,483 |
Noncurrent loans to loans | 1.5554% | 3,948 |
Net loans and leases to total assets | 69.5474% | 3,790 |
Net loans and leases to deposits | 80.9151% | 4,470 |
Net loans and leases to core deposits | 88.5468% | 5,689 |
Total domestic deposits to total assets | 85.9510% | 2,753 |
Equity capital to assets | 12.2440% | 2,111 |
Core capital (leverage) ratio | 12.2567% | 1,783 |
Tier 1 risk-based capital ratio | 15.1214% | 3,004 |
Total risk-based capital ratio | 16.3825% | 2,946 |
Memoranda: | ||
Average total assets | $178,626,000 | 3,531 |
Average earning assets | $171,929,500 | 3,390 |
Average equity | $22,636,500 | 2,908 |
Average total loans | $130,535,000 | 3,349 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.1341% | 4,872 |
Cost of funding earning assets | 1.7225% | 7,211 |
Net interest margin | 4.4116% | 1,657 |
Noninterest income to average assets | 0.6060% | 3,800 |
Noninterest expense to average assets | 2.1620% | 7,088 |
Loan and lease loss provision to assets | 0.7969% | 1,863 |
Net operating income to assets | 1.8878% | 445 |
Return on assets (ROA) | 1.8878% | 434 |
Pretax return on assets | 1.8878% | 785 |
Return on Equity (ROE) | 15.0383% | 917 |
Retained earnings to average equity (ytd only) | -0.3275% | 5,385 |
Net charge-offs to loans | 0.7676% | 1,616 |
Credit loss provision to net charge-offs | 139.8221% | 3,797 |
Earnings coverage of net charge-offs (x) | 4.7105% | 3,890 |
Efficiency ratio | 44.6084% | 7,987 |
Assets per employee ($millions) | 4.9472% | 1,998 |
Cash dividends to net income (ytd only)* | 102.1778% | 933 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9019% | 1,410 |
Loan loss allowance to noncurrent loans | 135.8004% | 2,686 |
Noncurrent assets plus other real estate owned to assets | 1.0534% | 4,182 |
Noncurrent loans to loans | 1.4005% | 3,714 |
Net loans and leases to total assets | 73.7833% | 3,157 |
Net loans and leases to deposits | 85.7482% | 4,151 |
Net loans and leases to core deposits | 94.9260% | 5,359 |
Total domestic deposits to total assets | 86.0464% | 2,379 |
Equity capital to assets | 13.1283% | 1,739 |
Core capital (leverage) ratio | 12.5302% | 1,740 |
Tier 1 risk-based capital ratio | 15.9283% | 2,693 |
Total risk-based capital ratio | 17.1904% | 2,631 |
Memoranda: | ||
Average total assets | $177,565,400 | 3,438 |
Average earning assets | $170,686,000 | 3,324 |
Average equity | $22,289,800 | 2,938 |
Average total loans | $131,839,400 | 3,235 |