| Category |
All Banks
(1596 Banks Total) |
Top 5%
(80 Banks Total) |
Difference
in % |
Annual Pre-Tax Earnings Impact $(000) |
| Average Assets $(000) |
$774,806 |
$975,395 |
|
|
| Return on Average Assets (%) |
1.12 |
2.33 |
1.21 |
$9,375 |
| Return on Average Equity (%) |
12.07 |
21.68 |
9.61 |
$7,806 |
| Net Interest Margin (%) |
4.06 |
5.54 |
1.48 |
$10,658 |
| Interest Income/AA (%) |
6.49 |
7.98 |
1.49 |
$11,545 |
| Interest Expense/AA (%) |
2.71 |
2.78 |
0.04 |
-$310 |
| Non-Interest Income/AA (%) |
0.92 |
1.19 |
0.27 |
$2,092 |
| Non-Interest Expense/AA (%) |
2.86 |
2.61 |
-0.25 |
$1,937 |
| Efficiency Ratio (%) |
59.89 |
38.34 |
-21.55 |
$7,855 |
| Salary/AA (%) |
1.58 |
1.49 |
-0.09 |
$697 |
| Dep. Service Charges/Salary (%) |
22.64 |
26.14 |
3.50 |
$414 |
| NII/Salary (%) |
55.81 |
74.37 |
18.56 |
$2,198 |
| Dep. Service Charges/AA (%) |
0.3603 |
0.3761 |
0.0158 |
$122 |
| Loans/Deposits (%) |
89.15 |
97.22 |
8.07 |
$2,117 |
| Loans/Assets (%) |
70.44 |
77.81 |
7.37 |
$2,318 |
| Earning Asset/Total Asset (%) |
88.18 |
88.91 |
0.73 |
$230 |
|