Home > American Express Bank, FSB. > Performance and Condition Ratios
American Express Bank, FSB., Performance and Condition Ratios
2018-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 7.1808% | 51 |
Cost of funding earning assets | 1.3152% | 76 |
Net interest margin | 5.8656% | 81 |
Noninterest income to average assets | 15.7499% | 43 |
Noninterest expense to average assets | 14.0793% | 51 |
Loan and lease loss provision to assets | 1.9955% | 35 |
Net operating income to assets | 4.1722% | 47 |
Return on assets (ROA) | 4.1699% | 47 |
Pretax return on assets | 5.4012% | 42 |
Return on Equity (ROE) | 37.7753% | 23 |
Retained earnings to average equity (ytd only) | -2.9738% | 5,081 |
Net charge-offs to loans | 1.8477% | 68 |
Credit loss provision to net charge-offs | 139.5519% | 1,277 |
Earnings coverage of net charge-offs (x) | 5.1749% | 2,253 |
Efficiency ratio | 65.4642% | 3,254 |
Assets per employee ($millions) | 390.0865% | 5 |
Cash dividends to net income (ytd only)* | 107.8724% | 526 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7847% | 811 |
Loan loss allowance to noncurrent loans | 291.1761% | 1,680 |
Noncurrent assets plus other real estate owned to assets | 0.4778% | 2,945 |
Noncurrent loans to loans | 0.6129% | 2,706 |
Net loans and leases to total assets | 76.5662% | 1,444 |
Net loans and leases to deposits | 91.9423% | 1,455 |
Net loans and leases to core deposits | 112.9603% | 845 |
Total domestic deposits to total assets | 83.2763% | 3,588 |
Equity capital to assets | 11.0390% | 2,542 |
Core capital (leverage) ratio | 10.8090% | 2,623 |
Tier 1 risk-based capital ratio | 12.2969% | 4,384 |
Total risk-based capital ratio | 13.5512% | 4,270 |
Memoranda: | ||
Average total assets | $55,223,030,500 | 40 |
Average earning assets | $53,937,379,000 | 40 |
Average equity | $6,095,833,000 | 42 |
Average total loans | $42,735,206,500 | 37 |
2017-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.3974% | 84 |
Cost of funding earning assets | 1.0529% | 160 |
Net interest margin | 5.3445% | 133 |
Noninterest income to average assets | 14.9207% | 47 |
Noninterest expense to average assets | 12.5284% | 50 |
Loan and lease loss provision to assets | 1.5839% | 49 |
Net operating income to assets | 3.8176% | 47 |
Return on assets (ROA) | 3.8176% | 47 |
Pretax return on assets | 6.0412% | 36 |
Return on Equity (ROE) | 32.0396% | 30 |
Retained earnings to average equity (ytd only) | -9.8136% | 5,528 |
Net charge-offs to loans | 1.6507% | 94 |
Credit loss provision to net charge-offs | 123.6277% | 2,116 |
Earnings coverage of net charge-offs (x) | 5.9515% | 3,248 |
Efficiency ratio | 62.1647% | 3,913 |
Assets per employee ($millions) | 528.0368% | 3 |
Cash dividends to net income (ytd only)* | 130.6295% | 180 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6134% | 1,109 |
Loan loss allowance to noncurrent loans | 304.2724% | 1,648 |
Noncurrent assets plus other real estate owned to assets | 0.4073% | 3,226 |
Noncurrent loans to loans | 0.5303% | 2,916 |
Net loans and leases to total assets | 75.5807% | 1,670 |
Net loans and leases to deposits | 97.1664% | 977 |
Net loans and leases to core deposits | 121.4887% | 537 |
Total domestic deposits to total assets | 77.7849% | 4,752 |
Equity capital to assets | 11.0382% | 2,596 |
Core capital (leverage) ratio | 11.7166% | 1,784 |
Tier 1 risk-based capital ratio | 12.9163% | 3,957 |
Total risk-based capital ratio | 14.1692% | 3,855 |
Memoranda: | ||
Average total assets | $51,514,255,400 | 41 |
Average earning assets | $50,438,046,200 | 40 |
Average equity | $6,138,131,200 | 41 |
Average total loans | $39,983,978,200 | 36 |
2017-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.3206% | 89 |
Cost of funding earning assets | 1.0202% | 179 |
Net interest margin | 5.3003% | 144 |
Noninterest income to average assets | 14.8330% | 52 |
Noninterest expense to average assets | 12.9043% | 53 |
Loan and lease loss provision to assets | 1.5111% | 57 |
Net operating income to assets | 3.5492% | 60 |
Return on assets (ROA) | 3.5492% | 60 |
Pretax return on assets | 5.6062% | 45 |
Return on Equity (ROE) | 29.1970% | 33 |
Retained earnings to average equity (ytd only) | -16.5366% | 5,668 |
Net charge-offs to loans | 1.6349% | 93 |
Credit loss provision to net charge-offs | 118.7469% | 2,022 |
Earnings coverage of net charge-offs (x) | 5.5929% | 3,084 |
Efficiency ratio | 64.4517% | 3,458 |
Assets per employee ($millions) | 494.0632% | 3 |
Cash dividends to net income (ytd only)* | 156.6382% | 100 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5200% | 1,466 |
Loan loss allowance to noncurrent loans | 289.4170% | 1,632 |
Noncurrent assets plus other real estate owned to assets | 0.4141% | 3,370 |
Noncurrent loans to loans | 0.5252% | 3,121 |
Net loans and leases to total assets | 77.6386% | 1,325 |
Net loans and leases to deposits | 96.6537% | 1,050 |
Net loans and leases to core deposits | 120.8466% | 562 |
Total domestic deposits to total assets | 80.3266% | 4,245 |
Equity capital to assets | 11.4937% | 2,381 |
Core capital (leverage) ratio | 11.7719% | 1,836 |
Tier 1 risk-based capital ratio | 13.3254% | 3,807 |
Total risk-based capital ratio | 14.5776% | 3,719 |
Memoranda: | ||
Average total assets | $50,531,853,500 | 41 |
Average earning assets | $49,468,193,500 | 40 |
Average equity | $6,142,666,500 | 41 |
Average total loans | $39,331,953,750 | 36 |
2017-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.1096% | 112 |
Cost of funding earning assets | 0.9517% | 220 |
Net interest margin | 5.1579% | 171 |
Noninterest income to average assets | 14.7656% | 51 |
Noninterest expense to average assets | 12.8581% | 52 |
Loan and lease loss provision to assets | 1.3968% | 69 |
Net operating income to assets | 3.5248% | 66 |
Return on assets (ROA) | 3.5248% | 66 |
Pretax return on assets | 5.5736% | 45 |
Return on Equity (ROE) | 28.4605% | 44 |
Retained earnings to average equity (ytd only) | -24.4518% | 5,733 |
Net charge-offs to loans | 1.6794% | 102 |
Credit loss provision to net charge-offs | 107.3279% | 1,920 |
Earnings coverage of net charge-offs (x) | 5.3561% | 2,831 |
Efficiency ratio | 64.8466% | 3,525 |
Assets per employee ($millions) | 470.3863% | 3 |
Cash dividends to net income (ytd only)* | 185.9149% | 88 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4571% | 1,736 |
Loan loss allowance to noncurrent loans | 273.0481% | 1,710 |
Noncurrent assets plus other real estate owned to assets | 0.4077% | 3,480 |
Noncurrent loans to loans | 0.5336% | 3,162 |
Net loans and leases to total assets | 75.2970% | 1,645 |
Net loans and leases to deposits | 92.7340% | 1,396 |
Net loans and leases to core deposits | 114.3620% | 785 |
Total domestic deposits to total assets | 81.1967% | 4,131 |
Equity capital to assets | 11.9678% | 1,953 |
Core capital (leverage) ratio | 11.9532% | 1,659 |
Tier 1 risk-based capital ratio | 13.9341% | 3,458 |
Total risk-based capital ratio | 15.1851% | 3,380 |
Memoranda: | ||
Average total assets | $50,083,592,330 | 41 |
Average earning assets | $49,161,747,000 | 40 |
Average equity | $6,202,711,000 | 40 |
Average total loans | $38,809,949,330 | 36 |
2017-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.0431% | 114 |
Cost of funding earning assets | 0.8910% | 296 |
Net interest margin | 5.1521% | 164 |
Noninterest income to average assets | 14.1904% | 52 |
Noninterest expense to average assets | 12.4833% | 52 |
Loan and lease loss provision to assets | 1.4856% | 52 |
Net operating income to assets | 3.3203% | 79 |
Return on assets (ROA) | 3.3203% | 79 |
Pretax return on assets | 5.2785% | 57 |
Return on Equity (ROE) | 26.3685% | 70 |
Retained earnings to average equity (ytd only) | -51.1576% | 5,822 |
Net charge-offs to loans | 1.6699% | 92 |
Credit loss provision to net charge-offs | 114.0122% | 1,453 |
Earnings coverage of net charge-offs (x) | 5.1912% | 2,311 |
Efficiency ratio | 64.8574% | 3,685 |
Assets per employee ($millions) | 506.1481% | 3 |
Cash dividends to net income (ytd only)* | 294.0103% | 109 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4521% | 1,863 |
Loan loss allowance to noncurrent loans | 261.4067% | 1,816 |
Noncurrent assets plus other real estate owned to assets | 0.4147% | 3,521 |
Noncurrent loans to loans | 0.5555% | 3,141 |
Net loans and leases to total assets | 73.5657% | 1,808 |
Net loans and leases to deposits | 97.1785% | 832 |
Net loans and leases to core deposits | 110.3875% | 860 |
Total domestic deposits to total assets | 75.7016% | 5,260 |
Equity capital to assets | 11.5750% | 2,134 |
Core capital (leverage) ratio | 12.1746% | 1,519 |
Tier 1 risk-based capital ratio | 14.3084% | 3,311 |
Total risk-based capital ratio | 15.5600% | 3,232 |
Memoranda: | ||
Average total assets | $50,194,913,500 | 42 |
Average earning assets | $49,267,894,500 | 41 |
Average equity | $6,320,449,000 | 40 |
Average total loans | $39,165,469,500 | 36 |
2016-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.3725% | 78 |
Cost of funding earning assets | 0.9035% | 292 |
Net interest margin | 5.4689% | 115 |
Noninterest income to average assets | 17.7610% | 44 |
Noninterest expense to average assets | 12.5036% | 58 |
Loan and lease loss provision to assets | 1.2388% | 83 |
Net operating income to assets | 5.8912% | 26 |
Return on assets (ROA) | 5.8912% | 27 |
Pretax return on assets | 9.3861% | 24 |
Return on Equity (ROE) | 42.1253% | 13 |
Retained earnings to average equity (ytd only) | -3.8312% | 5,626 |
Net charge-offs to loans | 1.3387% | 117 |
Credit loss provision to net charge-offs | 118.6068% | 2,239 |
Earnings coverage of net charge-offs (x) | 10.1722% | 2,666 |
Efficiency ratio | 54.0614% | 5,238 |
Assets per employee ($millions) | 189.4956% | 9 |
Cash dividends to net income (ytd only)* | 109.0948% | 279 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3225% | 2,415 |
Loan loss allowance to noncurrent loans | 251.4269% | 1,888 |
Noncurrent assets plus other real estate owned to assets | 0.4289% | 3,555 |
Noncurrent loans to loans | 0.5260% | 3,277 |
Net loans and leases to total assets | 80.4526% | 818 |
Net loans and leases to deposits | 105.2096% | 380 |
Net loans and leases to core deposits | 118.7413% | 518 |
Total domestic deposits to total assets | 76.4688% | 5,185 |
Equity capital to assets | 13.6468% | 997 |
Core capital (leverage) ratio | 13.9105% | 838 |
Tier 1 risk-based capital ratio | 16.2905% | 2,432 |
Total risk-based capital ratio | 17.5415% | 2,368 |
Memoranda: | ||
Average total assets | $49,961,372,400 | 41 |
Average earning assets | $49,034,627,800 | 40 |
Average equity | $6,987,040,000 | 37 |
Average total loans | $38,980,158,400 | 35 |
2016-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.5588% | 68 |
Cost of funding earning assets | 0.9082% | 278 |
Net interest margin | 5.6506% | 91 |
Noninterest income to average assets | 18.6311% | 42 |
Noninterest expense to average assets | 12.5773% | 54 |
Loan and lease loss provision to assets | 1.1442% | 80 |
Net operating income to assets | 6.5634% | 24 |
Return on assets (ROA) | 6.5634% | 25 |
Pretax return on assets | 10.4557% | 23 |
Return on Equity (ROE) | 46.6552% | 12 |
Retained earnings to average equity (ytd only) | -5.5018% | 5,746 |
Net charge-offs to loans | 1.3295% | 113 |
Credit loss provision to net charge-offs | 111.5391% | 2,208 |
Earnings coverage of net charge-offs (x) | 11.3083% | 2,495 |
Efficiency ratio | 52.0215% | 5,385 |
Assets per employee ($millions) | 167.8809% | 13 |
Cash dividends to net income (ytd only)* | 111.7925% | 275 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2868% | 2,758 |
Loan loss allowance to noncurrent loans | 237.9173% | 1,969 |
Noncurrent assets plus other real estate owned to assets | 0.4374% | 3,670 |
Noncurrent loans to loans | 0.5409% | 3,373 |
Net loans and leases to total assets | 79.8219% | 914 |
Net loans and leases to deposits | 103.0812% | 499 |
Net loans and leases to core deposits | 118.2018% | 567 |
Total domestic deposits to total assets | 77.4359% | 5,008 |
Equity capital to assets | 14.5720% | 852 |
Core capital (leverage) ratio | 13.6112% | 967 |
Tier 1 risk-based capital ratio | 17.4856% | 2,084 |
Total risk-based capital ratio | 18.7362% | 2,046 |
Memoranda: | ||
Average total assets | $50,134,499,500 | 41 |
Average earning assets | $49,207,024,000 | 40 |
Average equity | $7,052,890,250 | 37 |
Average total loans | $38,682,871,250 | 35 |
2016-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.9529% | 58 |
Cost of funding earning assets | 0.8991% | 293 |
Net interest margin | 6.0538% | 68 |
Noninterest income to average assets | 20.4907% | 38 |
Noninterest expense to average assets | 12.7990% | 54 |
Loan and lease loss provision to assets | 1.1675% | 84 |
Net operating income to assets | 7.8249% | 21 |
Return on assets (ROA) | 7.8249% | 22 |
Pretax return on assets | 12.4715% | 21 |
Return on Equity (ROE) | 56.2220% | 10 |
Retained earnings to average equity (ytd only) | 13.5133% | 213 |
Net charge-offs to loans | 1.1657% | 146 |
Credit loss provision to net charge-offs | 131.6941% | 1,757 |
Earnings coverage of net charge-offs (x) | 15.3845% | 1,994 |
Efficiency ratio | 48.4112% | 5,650 |
Assets per employee ($millions) | 169.4327% | 10 |
Cash dividends to net income (ytd only)* | 75.9644% | 1,004 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5698% | 1,617 |
Loan loss allowance to noncurrent loans | 217.8249% | 2,114 |
Noncurrent assets plus other real estate owned to assets | 0.4668% | 3,658 |
Noncurrent loans to loans | 0.7207% | 2,929 |
Net loans and leases to total assets | 63.7577% | 3,400 |
Net loans and leases to deposits | 83.5106% | 2,526 |
Net loans and leases to core deposits | 97.2781% | 1,863 |
Total domestic deposits to total assets | 76.3468% | 5,245 |
Equity capital to assets | 15.0168% | 725 |
Core capital (leverage) ratio | 14.3060% | 747 |
Tier 1 risk-based capital ratio | 20.2464% | 1,401 |
Total risk-based capital ratio | 22.1520% | 1,267 |
Memoranda: | ||
Average total assets | $51,512,881,670 | 41 |
Average earning assets | $50,607,080,670 | 39 |
Average equity | $7,169,508,000 | 36 |
Average total loans | $39,178,425,670 | 35 |
2016-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 7.2718% | 51 |
Cost of funding earning assets | 0.9002% | 293 |
Net interest margin | 6.3716% | 55 |
Noninterest income to average assets | 16.8570% | 42 |
Noninterest expense to average assets | 12.4258% | 56 |
Loan and lease loss provision to assets | 1.1277% | 83 |
Net operating income to assets | 6.0119% | 33 |
Return on assets (ROA) | 6.0119% | 32 |
Pretax return on assets | 9.5589% | 24 |
Return on Equity (ROE) | 44.8809% | 25 |
Retained earnings to average equity (ytd only) | 2.3950% | 4,296 |
Net charge-offs to loans | 1.1847% | 151 |
Credit loss provision to net charge-offs | 116.9112% | 1,461 |
Earnings coverage of net charge-offs (x) | 11.0789% | 1,886 |
Efficiency ratio | 53.7626% | 5,402 |
Assets per employee ($millions) | 172.4280% | 10 |
Cash dividends to net income (ytd only)* | 94.6638% | 771 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1063% | 4,016 |
Loan loss allowance to noncurrent loans | 233.0543% | 1,993 |
Noncurrent assets plus other real estate owned to assets | 0.3766% | 4,078 |
Noncurrent loans to loans | 0.4747% | 3,757 |
Net loans and leases to total assets | 78.4516% | 1,034 |
Net loans and leases to deposits | 103.9157% | 416 |
Net loans and leases to core deposits | 124.1907% | 364 |
Total domestic deposits to total assets | 75.4955% | 5,471 |
Equity capital to assets | 13.5542% | 1,160 |
Core capital (leverage) ratio | 13.1839% | 1,091 |
Tier 1 risk-based capital ratio | 14.8947% | 3,201 |
Total risk-based capital ratio | 16.3813% | 3,032 |
Memoranda: | ||
Average total assets | $52,362,711,500 | 40 |
Average earning assets | $51,408,192,000 | 39 |
Average equity | $7,014,078,000 | 36 |
Average total loans | $42,634,499,500 | 34 |
2015-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.8846% | 61 |
Cost of funding earning assets | 0.8640% | 346 |
Net interest margin | 6.0206% | 72 |
Noninterest income to average assets | 17.0421% | 47 |
Noninterest expense to average assets | 13.6879% | 54 |
Loan and lease loss provision to assets | 1.4252% | 51 |
Net operating income to assets | 4.9350% | 47 |
Return on assets (ROA) | 4.9350% | 46 |
Pretax return on assets | 7.8333% | 30 |
Return on Equity (ROE) | 35.3594% | 38 |
Retained earnings to average equity (ytd only) | 2.6103% | 4,219 |
Net charge-offs to loans | 2.0191% | 67 |
Credit loss provision to net charge-offs | 84.6128% | 2,869 |
Earnings coverage of net charge-offs (x) | 5.4967% | 3,382 |
Efficiency ratio | 59.6518% | 4,953 |
Assets per employee ($millions) | 162.5373% | 9 |
Cash dividends to net income (ytd only)* | 92.6178% | 544 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9845% | 4,696 |
Loan loss allowance to noncurrent loans | 173.1390% | 2,515 |
Noncurrent assets plus other real estate owned to assets | 0.4747% | 3,726 |
Noncurrent loans to loans | 0.5686% | 3,470 |
Net loans and leases to total assets | 82.6553% | 525 |
Net loans and leases to deposits | 114.8103% | 157 |
Net loans and leases to core deposits | 138.7387% | 181 |
Total domestic deposits to total assets | 71.9929% | 5,799 |
Equity capital to assets | 13.2389% | 1,240 |
Core capital (leverage) ratio | 13.1509% | 1,096 |
Tier 1 risk-based capital ratio | 13.7330% | 3,867 |
Total risk-based capital ratio | 15.0696% | 3,742 |
Memoranda: | ||
Average total assets | $49,074,035,000 | 41 |
Average earning assets | $48,125,918,600 | 40 |
Average equity | $6,849,045,600 | 36 |
Average total loans | $40,938,476,200 | 33 |
2015-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.8078% | 64 |
Cost of funding earning assets | 0.8493% | 376 |
Net interest margin | 5.9586% | 74 |
Noninterest income to average assets | 16.7255% | 50 |
Noninterest expense to average assets | 13.7948% | 58 |
Loan and lease loss provision to assets | 1.3995% | 41 |
Net operating income to assets | 4.6417% | 51 |
Return on assets (ROA) | 4.6417% | 51 |
Pretax return on assets | 7.3794% | 34 |
Return on Equity (ROE) | 32.7958% | 37 |
Retained earnings to average equity (ytd only) | -0.1014% | 5,618 |
Net charge-offs to loans | 1.5980% | 86 |
Credit loss provision to net charge-offs | 105.0059% | 2,184 |
Earnings coverage of net charge-offs (x) | 6.5868% | 3,029 |
Efficiency ratio | 61.1101% | 4,709 |
Assets per employee ($millions) | 161.0126% | 9 |
Cash dividends to net income (ytd only)* | 100.3093% | 372 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4006% | 2,595 |
Loan loss allowance to noncurrent loans | 268.7320% | 1,764 |
Noncurrent assets plus other real estate owned to assets | 0.4282% | 4,064 |
Noncurrent loans to loans | 0.5212% | 3,793 |
Net loans and leases to total assets | 80.9991% | 700 |
Net loans and leases to deposits | 117.0233% | 137 |
Net loans and leases to core deposits | 134.6791% | 221 |
Total domestic deposits to total assets | 69.2162% | 5,998 |
Equity capital to assets | 13.3856% | 1,278 |
Core capital (leverage) ratio | 13.3057% | 1,096 |
Tier 1 risk-based capital ratio | 14.1193% | 3,787 |
Total risk-based capital ratio | 15.8483% | 3,425 |
Memoranda: | ||
Average total assets | $48,136,391,500 | 40 |
Average earning assets | $47,245,048,750 | 39 |
Average equity | $6,812,958,250 | 35 |
Average total loans | $40,148,979,250 | 33 |
2015-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.7235% | 67 |
Cost of funding earning assets | 0.8402% | 401 |
Net interest margin | 5.8833% | 82 |
Noninterest income to average assets | 16.9057% | 52 |
Noninterest expense to average assets | 13.8671% | 56 |
Loan and lease loss provision to assets | 1.2971% | 46 |
Net operating income to assets | 4.7142% | 51 |
Return on assets (ROA) | 4.7142% | 51 |
Pretax return on assets | 7.5108% | 38 |
Return on Equity (ROE) | 32.6713% | 45 |
Retained earnings to average equity (ytd only) | -0.5557% | 5,619 |
Net charge-offs to loans | 1.6150% | 102 |
Credit loss provision to net charge-offs | 95.7790% | 2,134 |
Earnings coverage of net charge-offs (x) | 6.5037% | 2,775 |
Efficiency ratio | 61.1558% | 4,805 |
Assets per employee ($millions) | 158.1602% | 10 |
Cash dividends to net income (ytd only)* | 101.7008% | 502 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3632% | 2,918 |
Loan loss allowance to noncurrent loans | 259.5756% | 1,816 |
Noncurrent assets plus other real estate owned to assets | 0.4291% | 4,206 |
Noncurrent loans to loans | 0.5252% | 3,881 |
Net loans and leases to total assets | 80.5873% | 727 |
Net loans and leases to deposits | 117.5954% | 127 |
Net loans and leases to core deposits | 131.6292% | 252 |
Total domestic deposits to total assets | 68.5293% | 6,098 |
Equity capital to assets | 13.8244% | 1,041 |
Core capital (leverage) ratio | 13.7527% | 917 |
Tier 1 risk-based capital ratio | 14.0853% | 3,869 |
Total risk-based capital ratio | 15.9064% | 3,477 |
Memoranda: | ||
Average total assets | $47,221,859,330 | 40 |
Average earning assets | $46,306,148,670 | 39 |
Average equity | $6,813,747,670 | 35 |
Average total loans | $39,599,381,330 | 32 |
2015-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.8695% | 62 |
Cost of funding earning assets | 0.8376% | 406 |
Net interest margin | 6.0319% | 72 |
Noninterest income to average assets | 16.6052% | 51 |
Noninterest expense to average assets | 13.5702% | 55 |
Loan and lease loss provision to assets | 1.2497% | 55 |
Net operating income to assets | 4.8729% | 46 |
Return on assets (ROA) | 4.8729% | 47 |
Pretax return on assets | 7.7187% | 38 |
Return on Equity (ROE) | 33.0343% | 46 |
Retained earnings to average equity (ytd only) | -0.3349% | 5,444 |
Net charge-offs to loans | 1.6500% | 111 |
Credit loss provision to net charge-offs | 89.0957% | 1,748 |
Earnings coverage of net charge-offs (x) | 6.3940% | 2,297 |
Efficiency ratio | 60.2089% | 5,065 |
Assets per employee ($millions) | 145.9839% | 11 |
Cash dividends to net income (ytd only)* | 101.0137% | 673 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3971% | 2,932 |
Loan loss allowance to noncurrent loans | 243.1532% | 1,895 |
Noncurrent assets plus other real estate owned to assets | 0.4698% | 4,149 |
Noncurrent loans to loans | 0.5746% | 3,862 |
Net loans and leases to total assets | 80.6224% | 617 |
Net loans and leases to deposits | 111.1740% | 198 |
Net loans and leases to core deposits | 124.0780% | 325 |
Total domestic deposits to total assets | 72.5191% | 6,012 |
Equity capital to assets | 14.3238% | 880 |
Core capital (leverage) ratio | 14.2174% | 761 |
Tier 1 risk-based capital ratio | 14.4832% | 3,732 |
Total risk-based capital ratio | 16.3439% | 3,300 |
Memoranda: | ||
Average total assets | $46,238,875,000 | 40 |
Average earning assets | $45,483,443,500 | 39 |
Average equity | $6,820,662,500 | 35 |
Average total loans | $39,305,575,500 | 32 |
2014-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.9390% | 69 |
Cost of funding earning assets | 0.8081% | 626 |
Net interest margin | 6.1308% | 78 |
Noninterest income to average assets | 18.5530% | 45 |
Noninterest expense to average assets | 14.8724% | 50 |
Loan and lease loss provision to assets | 1.5289% | 54 |
Net operating income to assets | 5.1549% | 40 |
Return on assets (ROA) | 5.1549% | 39 |
Pretax return on assets | 8.1587% | 30 |
Return on Equity (ROE) | 31.4514% | 49 |
Retained earnings to average equity (ytd only) | 0.8814% | 5,385 |
Net charge-offs to loans | 1.5974% | 146 |
Credit loss provision to net charge-offs | 107.3506% | 2,228 |
Earnings coverage of net charge-offs (x) | 6.8021% | 3,138 |
Efficiency ratio | 60.5553% | 5,136 |
Assets per employee ($millions) | 130.4855% | 11 |
Cash dividends to net income (ytd only)* | 97.1977% | 414 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4140% | 2,889 |
Loan loss allowance to noncurrent loans | 249.8182% | 1,908 |
Noncurrent assets plus other real estate owned to assets | 0.5006% | 4,131 |
Noncurrent loans to loans | 0.5660% | 3,974 |
Net loans and leases to total assets | 87.1908% | 148 |
Net loans and leases to deposits | 127.8344% | 54 |
Net loans and leases to core deposits | 147.1507% | 120 |
Total domestic deposits to total assets | 68.2061% | 6,262 |
Equity capital to assets | 15.2038% | 668 |
Core capital (leverage) ratio | 15.0781% | 595 |
Tier 1 risk-based capital ratio | 14.1513% | 3,995 |
Total risk-based capital ratio | 16.0067% | 3,558 |
Memoranda: | ||
Average total assets | $41,413,501,000 | 42 |
Average earning assets | $40,577,652,200 | 40 |
Average equity | $6,787,682,800 | 34 |
Average total loans | $36,923,604,600 | 30 |
2014-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.9900% | 67 |
Cost of funding earning assets | 0.8010% | 679 |
Net interest margin | 6.1890% | 74 |
Noninterest income to average assets | 18.4365% | 42 |
Noninterest expense to average assets | 14.8234% | 48 |
Loan and lease loss provision to assets | 1.5041% | 56 |
Net operating income to assets | 5.1506% | 46 |
Return on assets (ROA) | 5.1506% | 46 |
Pretax return on assets | 8.1696% | 35 |
Return on Equity (ROE) | 30.8079% | 55 |
Retained earnings to average equity (ytd only) | 0.9101% | 5,521 |
Net charge-offs to loans | 1.6533% | 133 |
Credit loss provision to net charge-offs | 101.8101% | 2,166 |
Earnings coverage of net charge-offs (x) | 6.5481% | 3,066 |
Efficiency ratio | 60.5109% | 5,119 |
Assets per employee ($millions) | 121.9488% | 11 |
Cash dividends to net income (ytd only)* | 97.0460% | 392 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4084% | 3,133 |
Loan loss allowance to noncurrent loans | 253.7725% | 1,785 |
Noncurrent assets plus other real estate owned to assets | 0.4816% | 4,452 |
Noncurrent loans to loans | 0.5550% | 4,259 |
Net loans and leases to total assets | 85.5560% | 219 |
Net loans and leases to deposits | 126.2169% | 60 |
Net loans and leases to core deposits | 137.9491% | 163 |
Total domestic deposits to total assets | 67.7849% | 6,358 |
Equity capital to assets | 15.8245% | 588 |
Core capital (leverage) ratio | 15.9321% | 488 |
Tier 1 risk-based capital ratio | 15.1731% | 3,494 |
Total risk-based capital ratio | 17.0851% | 3,080 |
Memoranda: | ||
Average total assets | $40,545,125,250 | 43 |
Average earning assets | $39,704,423,250 | 40 |
Average equity | $6,778,472,500 | 35 |
Average total loans | $36,229,833,500 | 30 |
2014-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 7.0186% | 67 |
Cost of funding earning assets | 0.8031% | 688 |
Net interest margin | 6.2155% | 73 |
Noninterest income to average assets | 18.4571% | 40 |
Noninterest expense to average assets | 14.9671% | 47 |
Loan and lease loss provision to assets | 1.5458% | 57 |
Net operating income to assets | 5.0906% | 48 |
Return on assets (ROA) | 5.0906% | 48 |
Pretax return on assets | 8.0222% | 32 |
Return on Equity (ROE) | 29.8719% | 58 |
Retained earnings to average equity (ytd only) | -0.2733% | 5,728 |
Net charge-offs to loans | 1.6569% | 153 |
Credit loss provision to net charge-offs | 103.3340% | 1,926 |
Earnings coverage of net charge-offs (x) | 6.3959% | 2,777 |
Efficiency ratio | 61.0028% | 5,144 |
Assets per employee ($millions) | 114.6110% | 13 |
Cash dividends to net income (ytd only)* | 100.9148% | 517 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4264% | 3,210 |
Loan loss allowance to noncurrent loans | 231.5831% | 1,892 |
Noncurrent assets plus other real estate owned to assets | 0.5682% | 4,283 |
Noncurrent loans to loans | 0.6159% | 4,178 |
Net loans and leases to total assets | 90.9414% | 37 |
Net loans and leases to deposits | 129.2350% | 40 |
Net loans and leases to core deposits | 137.0555% | 159 |
Total domestic deposits to total assets | 70.3690% | 6,341 |
Equity capital to assets | 16.8556% | 435 |
Core capital (leverage) ratio | 16.8337% | 377 |
Tier 1 risk-based capital ratio | 15.1542% | 3,552 |
Total risk-based capital ratio | 17.2663% | 3,015 |
Memoranda: | ||
Average total assets | $39,710,857,670 | 43 |
Average earning assets | $38,832,976,330 | 40 |
Average equity | $6,767,256,000 | 35 |
Average total loans | $35,854,377,000 | 30 |
2014-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 7.0722% | 66 |
Cost of funding earning assets | 0.8221% | 660 |
Net interest margin | 6.2501% | 73 |
Noninterest income to average assets | 17.5989% | 43 |
Noninterest expense to average assets | 14.0465% | 50 |
Loan and lease loss provision to assets | 1.4582% | 70 |
Net operating income to assets | 5.1603% | 48 |
Return on assets (ROA) | 5.1603% | 48 |
Pretax return on assets | 8.1955% | 34 |
Return on Equity (ROE) | 30.1143% | 65 |
Retained earnings to average equity (ytd only) | -0.3134% | 5,616 |
Net charge-offs to loans | 1.5856% | 199 |
Credit loss provision to net charge-offs | 102.9949% | 1,618 |
Earnings coverage of net charge-offs (x) | 6.8187% | 2,188 |
Efficiency ratio | 59.2675% | 5,501 |
Assets per employee ($millions) | 114.7372% | 13 |
Cash dividends to net income (ytd only)* | 101.0406% | 666 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4706% | 3,284 |
Loan loss allowance to noncurrent loans | 214.9110% | 1,978 |
Noncurrent assets plus other real estate owned to assets | 0.5999% | 4,351 |
Noncurrent loans to loans | 0.6843% | 4,157 |
Net loans and leases to total assets | 86.3799% | 126 |
Net loans and leases to deposits | 122.8171% | 57 |
Net loans and leases to core deposits | 131.0721% | 182 |
Total domestic deposits to total assets | 70.3322% | 6,439 |
Equity capital to assets | 16.7055% | 430 |
Core capital (leverage) ratio | 16.7293% | 392 |
Tier 1 risk-based capital ratio | 15.7018% | 3,328 |
Total risk-based capital ratio | 17.8744% | 2,812 |
Memoranda: | ||
Average total assets | $39,509,362,500 | 42 |
Average earning assets | $38,568,362,500 | 40 |
Average equity | $6,770,161,500 | 35 |
Average total loans | $35,277,567,000 | 30 |
2013-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.5813% | 91 |
Cost of funding earning assets | 0.9316% | 632 |
Net interest margin | 5.6496% | 111 |
Noninterest income to average assets | 17.9761% | 42 |
Noninterest expense to average assets | 14.5802% | 53 |
Loan and lease loss provision to assets | 1.3065% | 121 |
Net operating income to assets | 4.8115% | 50 |
Return on assets (ROA) | 4.8115% | 49 |
Pretax return on assets | 7.6156% | 33 |
Return on Equity (ROE) | 27.4754% | 98 |
Retained earnings to average equity (ytd only) | 1.4074% | 5,191 |
Net charge-offs to loans | 1.8790% | 210 |
Credit loss provision to net charge-offs | 81.5171% | 3,006 |
Earnings coverage of net charge-offs (x) | 5.5667% | 3,267 |
Efficiency ratio | 62.0373% | 5,209 |
Assets per employee ($millions) | 111.9666% | 14 |
Cash dividends to net income (ytd only)* | 94.8777% | 537 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4779% | 3,294 |
Loan loss allowance to noncurrent loans | 208.7396% | 2,020 |
Noncurrent assets plus other real estate owned to assets | 0.6443% | 4,302 |
Noncurrent loans to loans | 0.7080% | 4,201 |
Net loans and leases to total assets | 89.6478% | 47 |
Net loans and leases to deposits | 127.1681% | 44 |
Net loans and leases to core deposits | 137.8280% | 138 |
Total domestic deposits to total assets | 70.4955% | 6,501 |
Equity capital to assets | 17.5878% | 345 |
Core capital (leverage) ratio | 17.4967% | 331 |
Tier 1 risk-based capital ratio | 15.5519% | 3,341 |
Total risk-based capital ratio | 17.6687% | 2,851 |
Memoranda: | ||
Average total assets | $38,882,180,200 | 41 |
Average earning assets | $38,032,452,600 | 40 |
Average equity | $6,809,115,600 | 34 |
Average total loans | $33,165,616,200 | 30 |
2013-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.4980% | 95 |
Cost of funding earning assets | 0.9399% | 673 |
Net interest margin | 5.5581% | 121 |
Noninterest income to average assets | 17.4631% | 42 |
Noninterest expense to average assets | 14.2329% | 52 |
Loan and lease loss provision to assets | 1.2826% | 105 |
Net operating income to assets | 4.6283% | 46 |
Return on assets (ROA) | 4.6283% | 47 |
Pretax return on assets | 7.3847% | 36 |
Return on Equity (ROE) | 26.4574% | 96 |
Retained earnings to average equity (ytd only) | 0.5457% | 5,751 |
Net charge-offs to loans | 1.9105% | 210 |
Credit loss provision to net charge-offs | 80.0290% | 2,848 |
Earnings coverage of net charge-offs (x) | 5.4080% | 3,200 |
Efficiency ratio | 62.1518% | 5,113 |
Assets per employee ($millions) | 115.3005% | 18 |
Cash dividends to net income (ytd only)* | 97.9375% | 437 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6193% | 2,916 |
Loan loss allowance to noncurrent loans | 230.6711% | 1,758 |
Noncurrent assets plus other real estate owned to assets | 0.6074% | 4,618 |
Noncurrent loans to loans | 0.7020% | 4,447 |
Net loans and leases to total assets | 85.1277% | 186 |
Net loans and leases to deposits | 118.8779% | 75 |
Net loans and leases to core deposits | 135.1326% | 144 |
Total domestic deposits to total assets | 71.6093% | 6,518 |
Equity capital to assets | 17.4255% | 370 |
Core capital (leverage) ratio | 17.3221% | 354 |
Tier 1 risk-based capital ratio | 16.5629% | 2,914 |
Total risk-based capital ratio | 18.8063% | 2,459 |
Memoranda: | ||
Average total assets | $38,973,601,000 | 42 |
Average earning assets | $38,124,958,000 | 41 |
Average equity | $6,817,841,750 | 34 |
Average total loans | $32,695,225,250 | 30 |
2013-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.3754% | 107 |
Cost of funding earning assets | 0.9579% | 688 |
Net interest margin | 5.4175% | 153 |
Noninterest income to average assets | 17.2124% | 44 |
Noninterest expense to average assets | 13.8455% | 54 |
Loan and lease loss provision to assets | 1.3115% | 118 |
Net operating income to assets | 4.5987% | 46 |
Return on assets (ROA) | 4.5987% | 47 |
Pretax return on assets | 7.3465% | 36 |
Return on Equity (ROE) | 26.2548% | 108 |
Retained earnings to average equity (ytd only) | 0.8666% | 5,553 |
Net charge-offs to loans | 1.9890% | 228 |
Credit loss provision to net charge-offs | 79.4214% | 2,634 |
Earnings coverage of net charge-offs (x) | 5.2430% | 2,936 |
Efficiency ratio | 61.5259% | 5,242 |
Assets per employee ($millions) | 114.4490% | 16 |
Cash dividends to net income (ytd only)* | 96.6993% | 568 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7090% | 2,747 |
Loan loss allowance to noncurrent loans | 206.0984% | 1,940 |
Noncurrent assets plus other real estate owned to assets | 0.7150% | 4,435 |
Noncurrent loans to loans | 0.8292% | 4,259 |
Net loans and leases to total assets | 84.7535% | 196 |
Net loans and leases to deposits | 123.2085% | 60 |
Net loans and leases to core deposits | 141.4513% | 127 |
Total domestic deposits to total assets | 68.7887% | 6,700 |
Equity capital to assets | 17.4681% | 372 |
Core capital (leverage) ratio | 17.3498% | 336 |
Tier 1 risk-based capital ratio | 16.4748% | 2,949 |
Total risk-based capital ratio | 18.7133% | 2,499 |
Memoranda: | ||
Average total assets | $39,128,009,330 | 42 |
Average earning assets | $38,215,486,330 | 41 |
Average equity | $6,853,586,000 | 34 |
Average total loans | $32,486,098,000 | 30 |
2013-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.3978% | 102 |
Cost of funding earning assets | 1.0080% | 593 |
Net interest margin | 5.3898% | 150 |
Noninterest income to average assets | 16.3574% | 48 |
Noninterest expense to average assets | 13.3290% | 57 |
Loan and lease loss provision to assets | 1.1414% | 145 |
Net operating income to assets | 4.4616% | 47 |
Return on assets (ROA) | 4.4616% | 50 |
Pretax return on assets | 7.1384% | 41 |
Return on Equity (ROE) | 25.4383% | 117 |
Retained earnings to average equity (ytd only) | 25.4383% | 62 |
Net charge-offs to loans | 2.0188% | 231 |
Credit loss provision to net charge-offs | 69.3999% | 2,305 |
Earnings coverage of net charge-offs (x) | 5.0345% | 2,420 |
Efficiency ratio | 61.6831% | 5,348 |
Assets per employee ($millions) | 120.6833% | 15 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8309% | 2,515 |
Loan loss allowance to noncurrent loans | 172.6604% | 2,131 |
Noncurrent assets plus other real estate owned to assets | 0.8236% | 4,318 |
Noncurrent loans to loans | 1.0604% | 4,020 |
Net loans and leases to total assets | 76.2485% | 807 |
Net loans and leases to deposits | 116.3969% | 85 |
Net loans and leases to core deposits | 143.0667% | 115 |
Total domestic deposits to total assets | 65.5073% | 6,856 |
Equity capital to assets | 17.3981% | 381 |
Core capital (leverage) ratio | 17.2576% | 333 |
Tier 1 risk-based capital ratio | 17.8818% | 2,418 |
Total risk-based capital ratio | 20.1435% | 2,045 |
Memoranda: | ||
Average total assets | $39,464,588,000 | 42 |
Average earning assets | $38,450,682,500 | 41 |
Average equity | $6,921,717,000 | 34 |
Average total loans | $32,149,882,500 | 30 |
2012-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.5984% | 119 |
Cost of funding earning assets | 1.0717% | 1,016 |
Net interest margin | 5.5268% | 164 |
Noninterest income to average assets | 17.5465% | 46 |
Noninterest expense to average assets | 14.4274% | 56 |
Loan and lease loss provision to assets | 1.4782% | 218 |
Net operating income to assets | 4.4330% | 47 |
Return on assets (ROA) | 4.4330% | 47 |
Pretax return on assets | 7.0041% | 42 |
Return on Equity (ROE) | 24.3421% | 145 |
Retained earnings to average equity (ytd only) | 2.3683% | 4,568 |
Net charge-offs to loans | 2.2180% | 304 |
Credit loss provision to net charge-offs | 79.7353% | 3,843 |
Earnings coverage of net charge-offs (x) | 4.5753% | 3,321 |
Efficiency ratio | 62.9751% | 5,081 |
Assets per employee ($millions) | 114.1472% | 18 |
Cash dividends to net income (ytd only)* | 90.2708% | 695 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9524% | 2,149 |
Loan loss allowance to noncurrent loans | 183.4330% | 1,980 |
Noncurrent assets plus other real estate owned to assets | 0.9108% | 4,219 |
Noncurrent loans to loans | 1.0644% | 4,081 |
Net loans and leases to total assets | 83.9029% | 220 |
Net loans and leases to deposits | 128.7308% | 43 |
Net loans and leases to core deposits | 163.3965% | 71 |
Total domestic deposits to total assets | 65.1770% | 6,913 |
Equity capital to assets | 17.6916% | 349 |
Core capital (leverage) ratio | 17.5208% | 316 |
Tier 1 risk-based capital ratio | 16.4579% | 2,918 |
Total risk-based capital ratio | 18.7021% | 2,443 |
Memoranda: | ||
Average total assets | $36,234,157,400 | 43 |
Average earning assets | $35,161,908,600 | 42 |
Average equity | $6,598,770,200 | 34 |
Average total loans | $30,285,960,600 | 30 |
2012-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 8.0820% | 48 |
Cost of funding earning assets | 1.0790% | 1,148 |
Net interest margin | 7.0030% | 51 |
Noninterest income to average assets | 15.9165% | 49 |
Noninterest expense to average assets | 14.1446% | 56 |
Loan and lease loss provision to assets | 1.5525% | 200 |
Net operating income to assets | 4.3730% | 57 |
Return on assets (ROA) | 4.3730% | 58 |
Pretax return on assets | 7.0019% | 44 |
Return on Equity (ROE) | 23.8323% | 169 |
Retained earnings to average equity (ytd only) | 1.0099% | 5,764 |
Net charge-offs to loans | 2.5478% | 242 |
Credit loss provision to net charge-offs | 73.3668% | 3,813 |
Earnings coverage of net charge-offs (x) | 4.0425% | 3,421 |
Efficiency ratio | 62.3138% | 5,102 |
Assets per employee ($millions) | 110.2373% | 21 |
Cash dividends to net income (ytd only)* | 95.7625% | 382 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0716% | 1,976 |
Loan loss allowance to noncurrent loans | 189.6155% | 1,854 |
Noncurrent assets plus other real estate owned to assets | 0.9108% | 4,456 |
Noncurrent loans to loans | 1.0925% | 4,251 |
Net loans and leases to total assets | 81.6420% | 375 |
Net loans and leases to deposits | 129.4488% | 48 |
Net loans and leases to core deposits | 168.6333% | 70 |
Total domestic deposits to total assets | 63.0689% | 7,031 |
Equity capital to assets | 18.0386% | 360 |
Core capital (leverage) ratio | 17.8485% | 306 |
Tier 1 risk-based capital ratio | 17.2680% | 2,620 |
Total risk-based capital ratio | 19.5786% | 2,196 |
Memoranda: | ||
Average total assets | $35,818,479,250 | 43 |
Average earning assets | $34,690,720,750 | 43 |
Average equity | $6,572,318,750 | 35 |
Average total loans | $29,750,013,250 | 32 |
2012-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 7.9618% | 51 |
Cost of funding earning assets | 1.0859% | 1,283 |
Net interest margin | 6.8758% | 56 |
Noninterest income to average assets | 15.7334% | 51 |
Noninterest expense to average assets | 14.0567% | 56 |
Loan and lease loss provision to assets | 1.5211% | 234 |
Net operating income to assets | 4.2573% | 58 |
Return on assets (ROA) | 4.2573% | 59 |
Pretax return on assets | 6.8123% | 46 |
Return on Equity (ROE) | 23.0682% | 204 |
Retained earnings to average equity (ytd only) | 0.2109% | 5,974 |
Net charge-offs to loans | 2.5617% | 270 |
Credit loss provision to net charge-offs | 71.5836% | 3,516 |
Earnings coverage of net charge-offs (x) | 3.9216% | 3,231 |
Efficiency ratio | 62.7806% | 5,120 |
Assets per employee ($millions) | 105.1108% | 17 |
Cash dividends to net income (ytd only)* | 99.0859% | 436 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.2202% | 1,728 |
Loan loss allowance to noncurrent loans | 188.3183% | 1,813 |
Noncurrent assets plus other real estate owned to assets | 1.0382% | 4,305 |
Noncurrent loans to loans | 1.1790% | 4,182 |
Net loans and leases to total assets | 86.1080% | 136 |
Net loans and leases to deposits | 137.8489% | 32 |
Net loans and leases to core deposits | 181.6819% | 63 |
Total domestic deposits to total assets | 62.4655% | 7,107 |
Equity capital to assets | 18.9710% | 280 |
Core capital (leverage) ratio | 18.7635% | 257 |
Tier 1 risk-based capital ratio | 17.4205% | 2,501 |
Total risk-based capital ratio | 19.7499% | 2,093 |
Memoranda: | ||
Average total assets | $35,558,373,000 | 43 |
Average earning assets | $34,425,343,670 | 42 |
Average equity | $6,562,458,000 | 35 |
Average total loans | $29,495,990,000 | 32 |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 7.8107% | 53 |
Cost of funding earning assets | 1.1076% | 1,367 |
Net interest margin | 6.7031% | 61 |
Noninterest income to average assets | 14.8483% | 51 |
Noninterest expense to average assets | 12.9361% | 58 |
Loan and lease loss provision to assets | 1.4980% | 229 |
Net operating income to assets | 4.3472% | 55 |
Return on assets (ROA) | 4.3472% | 62 |
Pretax return on assets | 6.8999% | 45 |
Return on Equity (ROE) | 23.8750% | 217 |
Retained earnings to average equity (ytd only) | 1.0213% | 5,664 |
Net charge-offs to loans | 2.6554% | 300 |
Credit loss provision to net charge-offs | 70.0791% | 2,910 |
Earnings coverage of net charge-offs (x) | 3.9287% | 2,712 |
Efficiency ratio | 60.6363% | 5,521 |
Assets per employee ($millions) | 108.8780% | 18 |
Cash dividends to net income (ytd only)* | 95.7224% | 593 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.5246% | 1,318 |
Loan loss allowance to noncurrent loans | 192.0859% | 1,720 |
Noncurrent assets plus other real estate owned to assets | 1.0299% | 4,435 |
Noncurrent loans to loans | 1.3143% | 4,146 |
Net loans and leases to total assets | 76.3821% | 762 |
Net loans and leases to deposits | 126.1896% | 51 |
Net loans and leases to core deposits | 167.5181% | 76 |
Total domestic deposits to total assets | 60.5296% | 7,190 |
Equity capital to assets | 17.9053% | 344 |
Core capital (leverage) ratio | 17.7130% | 312 |
Tier 1 risk-based capital ratio | 17.9347% | 2,317 |
Total risk-based capital ratio | 20.2964% | 1,941 |
Memoranda: | ||
Average total assets | $36,046,840,000 | 41 |
Average earning assets | $34,877,282,000 | 40 |
Average equity | $6,563,471,500 | 35 |
Average total loans | $29,017,222,500 | 34 |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 7.0614% | 87 |
Cost of funding earning assets | 1.5804% | 513 |
Net interest margin | 5.4810% | 182 |
Noninterest income to average assets | 13.8993% | 44 |
Noninterest expense to average assets | 12.3317% | 60 |
Loan and lease loss provision to assets | 1.1246% | 809 |
Net operating income to assets | 3.5842% | 62 |
Return on assets (ROA) | 3.5842% | 64 |
Pretax return on assets | 5.7141% | 52 |
Return on Equity (ROE) | 21.7029% | 193 |
Retained earnings to average equity (ytd only) | 12.8502% | 239 |
Net charge-offs to loans | 3.2949% | 252 |
Credit loss provision to net charge-offs | 48.1411% | 5,466 |
Earnings coverage of net charge-offs (x) | 2.9274% | 3,742 |
Efficiency ratio | 64.3267% | 5,066 |
Assets per employee ($millions) | 160.1891% | 18 |
Cash dividends to net income (ytd only)* | 40.7906% | 2,544 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.6756% | 1,103 |
Loan loss allowance to noncurrent loans | 195.8409% | 1,691 |
Noncurrent assets plus other real estate owned to assets | 1.1301% | 4,345 |
Noncurrent loans to loans | 1.3662% | 4,095 |
Net loans and leases to total assets | 80.5017% | 444 |
Net loans and leases to deposits | 133.0606% | 48 |
Net loans and leases to core deposits | 182.5410% | 77 |
Total domestic deposits to total assets | 60.5001% | 7,219 |
Equity capital to assets | 18.5221% | 312 |
Core capital (leverage) ratio | 18.3744% | 281 |
Tier 1 risk-based capital ratio | 17.4183% | 2,412 |
Total risk-based capital ratio | 19.7518% | 2,014 |
Memoranda: | ||
Average total assets | $37,619,104,400 | 41 |
Average earning assets | $36,178,397,200 | 40 |
Average equity | $6,212,755,200 | 35 |
Average total loans | $26,672,462,200 | 35 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.8028% | 132 |
Cost of funding earning assets | 1.5899% | 609 |
Net interest margin | 5.2129% | 279 |
Noninterest income to average assets | 13.2180% | 47 |
Noninterest expense to average assets | 12.0416% | 61 |
Loan and lease loss provision to assets | 1.0322% | 820 |
Net operating income to assets | 3.2324% | 82 |
Return on assets (ROA) | 3.2324% | 82 |
Pretax return on assets | 5.1624% | 61 |
Return on Equity (ROE) | 20.1400% | 301 |
Retained earnings to average equity (ytd only) | 16.8757% | 147 |
Net charge-offs to loans | 3.5086% | 219 |
Credit loss provision to net charge-offs | 43.1581% | 5,180 |
Earnings coverage of net charge-offs (x) | 2.5902% | 3,821 |
Efficiency ratio | 66.0315% | 4,713 |
Assets per employee ($millions) | 201.7001% | 15 |
Cash dividends to net income (ytd only)* | 16.2082% | 3,076 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.2109% | 714 |
Loan loss allowance to noncurrent loans | 218.7293% | 1,429 |
Noncurrent assets plus other real estate owned to assets | 1.0152% | 4,727 |
Noncurrent loans to loans | 1.4680% | 4,095 |
Net loans and leases to total assets | 66.9343% | 2,686 |
Net loans and leases to deposits | 126.8789% | 60 |
Net loans and leases to core deposits | 186.2753% | 75 |
Total domestic deposits to total assets | 52.7545% | 7,350 |
Equity capital to assets | 16.4561% | 555 |
Core capital (leverage) ratio | 16.3116% | 465 |
Tier 1 risk-based capital ratio | 18.9591% | 1,952 |
Total risk-based capital ratio | 21.3977% | 1,618 |
Memoranda: | ||
Average total assets | $38,173,432,000 | 41 |
Average earning assets | $36,747,614,500 | 40 |
Average equity | $6,126,658,750 | 34 |
Average total loans | $26,019,940,250 | 34 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.7700% | 144 |
Cost of funding earning assets | 1.6391% | 598 |
Net interest margin | 5.1309% | 318 |
Noninterest income to average assets | 13.0411% | 52 |
Noninterest expense to average assets | 12.0433% | 62 |
Loan and lease loss provision to assets | 1.2861% | 580 |
Net operating income to assets | 2.8684% | 110 |
Return on assets (ROA) | 2.8684% | 113 |
Pretax return on assets | 4.6145% | 75 |
Return on Equity (ROE) | 18.0330% | 463 |
Retained earnings to average equity (ytd only) | 13.0240% | 388 |
Net charge-offs to loans | 3.7049% | 235 |
Credit loss provision to net charge-offs | 51.1905% | 4,549 |
Earnings coverage of net charge-offs (x) | 2.3486% | 3,650 |
Efficiency ratio | 67.1165% | 4,680 |
Assets per employee ($millions) | 204.1027% | 14 |
Cash dividends to net income (ytd only)* | 27.7766% | 2,554 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.8645% | 454 |
Loan loss allowance to noncurrent loans | 243.4926% | 1,270 |
Noncurrent assets plus other real estate owned to assets | 1.0954% | 4,698 |
Noncurrent loans to loans | 1.5871% | 4,016 |
Net loans and leases to total assets | 66.3490% | 2,958 |
Net loans and leases to deposits | 123.6569% | 76 |
Net loans and leases to core deposits | 183.7379% | 84 |
Total domestic deposits to total assets | 53.6558% | 7,412 |
Equity capital to assets | 15.7963% | 638 |
Core capital (leverage) ratio | 15.6379% | 550 |
Tier 1 risk-based capital ratio | 17.9232% | 2,206 |
Total risk-based capital ratio | 20.3738% | 1,768 |
Memoranda: | ||
Average total assets | $37,652,933,000 | 43 |
Average earning assets | $35,979,626,000 | 42 |
Average equity | $5,989,277,670 | 34 |
Average total loans | $25,533,713,330 | 35 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.9782% | 111 |
Cost of funding earning assets | 1.6965% | 557 |
Net interest margin | 5.2817% | 228 |
Noninterest income to average assets | 12.5113% | 59 |
Noninterest expense to average assets | 11.9626% | 64 |
Loan and lease loss provision to assets | 0.9184% | 864 |
Net operating income to assets | 2.8034% | 129 |
Return on assets (ROA) | 2.8034% | 133 |
Pretax return on assets | 4.6212% | 82 |
Return on Equity (ROE) | 17.5601% | 517 |
Retained earnings to average equity (ytd only) | 17.5601% | 255 |
Net charge-offs to loans | 3.9130% | 233 |
Credit loss provision to net charge-offs | 34.9357% | 4,036 |
Earnings coverage of net charge-offs (x) | 2.1073% | 3,242 |
Efficiency ratio | 68.3493% | 4,590 |
Assets per employee ($millions) | 206.6334% | 14 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
Condition Ratios (%) | ||
Loss allowance to loans | 4.4231% | 302 |
Loan loss allowance to noncurrent loans | 244.2898% | 1,229 |
Noncurrent assets plus other real estate owned to assets | 1.1660% | 4,609 |
Noncurrent loans to loans | 1.8106% | 3,814 |
Net loans and leases to total assets | 61.5526% | 3,955 |
Net loans and leases to deposits | 118.2076% | 100 |
Net loans and leases to core deposits | 187.4246% | 86 |
Total domestic deposits to total assets | 52.0716% | 7,479 |
Equity capital to assets | 15.4371% | 674 |
Core capital (leverage) ratio | 15.0375% | 661 |
Tier 1 risk-based capital ratio | 17.6620% | 2,224 |
Total risk-based capital ratio | 20.1468% | 1,792 |
Memoranda: | ||
Average total assets | $36,987,588,500 | 43 |
Average earning assets | $34,951,569,500 | 42 |
Average equity | $5,904,934,000 | 35 |
Average total loans | $24,848,074,500 | 35 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 7.1346% | 124 |
Cost of funding earning assets | 1.8842% | 902 |
Net interest margin | 5.2504% | 259 |
Noninterest income to average assets | 13.6979% | 49 |
Noninterest expense to average assets | 12.9187% | 61 |
Loan and lease loss provision to assets | 1.9264% | 698 |
Net operating income to assets | 2.4083% | 130 |
Return on assets (ROA) | 2.4083% | 137 |
Pretax return on assets | 3.7605% | 77 |
Return on Equity (ROE) | 15.0555% | 711 |
Retained earnings to average equity (ytd only) | 15.0555% | 124 |
Net charge-offs to loans | 5.4692% | 134 |
Credit loss provision to net charge-offs | 53.6775% | 6,200 |
Earnings coverage of net charge-offs (x) | 1.5846% | 4,544 |
Efficiency ratio | 69.4345% | 4,292 |
Assets per employee ($millions) | 207.8658% | 13 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
Condition Ratios (%) | ||
Loss allowance to loans | 5.1575% | 173 |
Loan loss allowance to noncurrent loans | 269.3281% | 1,151 |
Noncurrent assets plus other real estate owned to assets | 1.3460% | 4,324 |
Noncurrent loans to loans | 1.9150% | 3,668 |
Net loans and leases to total assets | 66.6616% | 3,315 |
Net loans and leases to deposits | 135.8800% | 53 |
Net loans and leases to core deposits | 261.8636% | 59 |
Total domestic deposits to total assets | 49.0592% | 7,568 |
Equity capital to assets | 16.5545% | 506 |
Core capital (leverage) ratio | 16.0854% | 498 |
Tier 1 risk-based capital ratio | 16.3244% | 2,605 |
Total risk-based capital ratio | 18.7737% | 2,130 |
Memoranda: | ||
Average total assets | $33,311,236,800 | 44 |
Average earning assets | $31,136,073,600 | 44 |
Average equity | $5,328,527,600 | 35 |
Average total loans | $21,858,811,400 | 40 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 7.0864% | 132 |
Cost of funding earning assets | 1.8870% | 1,069 |
Net interest margin | 5.1994% | 295 |
Noninterest income to average assets | 13.4102% | 50 |
Noninterest expense to average assets | 12.6584% | 61 |
Loan and lease loss provision to assets | 2.4677% | 434 |
Net operating income to assets | 2.0453% | 315 |
Return on assets (ROA) | 2.0453% | 337 |
Pretax return on assets | 3.1641% | 105 |
Return on Equity (ROE) | 12.9055% | 1,281 |
Retained earnings to average equity (ytd only) | 12.9055% | 355 |
Net charge-offs to loans | 5.9654% | 103 |
Credit loss provision to net charge-offs | 64.2519% | 5,586 |
Earnings coverage of net charge-offs (x) | 1.4664% | 4,629 |
Efficiency ratio | 69.2085% | 4,219 |
Assets per employee ($millions) | 246.5155% | 14 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
Condition Ratios (%) | ||
Loss allowance to loans | 6.6589% | 77 |
Loan loss allowance to noncurrent loans | 295.2946% | 996 |
Noncurrent assets plus other real estate owned to assets | 1.4836% | 4,225 |
Noncurrent loans to loans | 2.2550% | 3,381 |
Net loans and leases to total assets | 61.4119% | 4,649 |
Net loans and leases to deposits | 134.3557% | 61 |
Net loans and leases to core deposits | 336.7237% | 43 |
Total domestic deposits to total assets | 45.7085% | 7,671 |
Equity capital to assets | 16.2643% | 626 |
Core capital (leverage) ratio | 15.7542% | 600 |
Tier 1 risk-based capital ratio | 16.5940% | 2,516 |
Total risk-based capital ratio | 19.1410% | 2,018 |
Memoranda: | ||
Average total assets | $32,908,681,500 | 44 |
Average earning assets | $30,887,236,000 | 44 |
Average equity | $5,215,387,000 | 36 |
Average total loans | $21,187,232,750 | 40 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 7.0965% | 136 |
Cost of funding earning assets | 1.8939% | 1,262 |
Net interest margin | 5.2026% | 283 |
Noninterest income to average assets | 13.2192% | 51 |
Noninterest expense to average assets | 12.4507% | 60 |
Loan and lease loss provision to assets | 2.9939% | 325 |
Net operating income to assets | 1.6518% | 642 |
Return on assets (ROA) | 1.6518% | 690 |
Pretax return on assets | 2.6277% | 194 |
Return on Equity (ROE) | 10.5178% | 1,923 |
Retained earnings to average equity (ytd only) | 10.5178% | 745 |
Net charge-offs to loans | 6.3990% | 113 |
Credit loss provision to net charge-offs | 73.2262% | 4,884 |
Earnings coverage of net charge-offs (x) | 1.3749% | 4,454 |
Efficiency ratio | 68.8936% | 4,404 |
Assets per employee ($millions) | 253.7395% | 11 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
Condition Ratios (%) | ||
Loss allowance to loans | 7.6415% | 43 |
Loan loss allowance to noncurrent loans | 285.6346% | 996 |
Noncurrent assets plus other real estate owned to assets | 1.7354% | 3,845 |
Noncurrent loans to loans | 2.6753% | 2,970 |
Net loans and leases to total assets | 59.9132% | 5,075 |
Net loans and leases to deposits | 137.4558% | 55 |
Net loans and leases to core deposits | 413.0249% | 38 |
Total domestic deposits to total assets | 43.5872% | 7,746 |
Equity capital to assets | 15.9486% | 680 |
Core capital (leverage) ratio | 15.4157% | 648 |
Tier 1 risk-based capital ratio | 15.5011% | 2,891 |
Total risk-based capital ratio | 18.0246% | 2,321 |
Memoranda: | ||
Average total assets | $32,620,702,670 | 45 |
Average earning assets | $30,429,287,330 | 45 |
Average equity | $5,122,894,330 | 36 |
Average total loans | $20,842,966,670 | 40 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 7.3426% | 117 |
Cost of funding earning assets | 1.9038% | 1,434 |
Net interest margin | 5.4388% | 199 |
Noninterest income to average assets | 12.2277% | 58 |
Noninterest expense to average assets | 11.2843% | 66 |
Loan and lease loss provision to assets | 3.4531% | 270 |
Net operating income to assets | 1.5993% | 751 |
Return on assets (ROA) | 1.5993% | 805 |
Pretax return on assets | 2.5408% | 241 |
Return on Equity (ROE) | 10.2646% | 2,015 |
Retained earnings to average equity (ytd only) | 10.2646% | 1,087 |
Net charge-offs to loans | 6.9214% | 142 |
Credit loss provision to net charge-offs | 78.6919% | 3,911 |
Earnings coverage of net charge-offs (x) | 1.3659% | 3,928 |
Efficiency ratio | 65.3093% | 5,250 |
Assets per employee ($millions) | 272.5596% | 11 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
Condition Ratios (%) | ||
Loss allowance to loans | 8.4521% | 34 |
Loan loss allowance to noncurrent loans | 459.5232% | 694 |
Noncurrent assets plus other real estate owned to assets | 1.1464% | 4,875 |
Noncurrent loans to loans | 1.8393% | 4,010 |
Net loans and leases to total assets | 57.0601% | 5,593 |
Net loans and leases to deposits | 138.3510% | 59 |
Net loans and leases to core deposits | 515.0272% | 40 |
Total domestic deposits to total assets | 41.2430% | 7,855 |
Equity capital to assets | 15.5286% | 763 |
Core capital (leverage) ratio | 14.9925% | 754 |
Tier 1 risk-based capital ratio | 15.5180% | 2,860 |
Total risk-based capital ratio | 18.0836% | 2,282 |
Memoranda: | ||
Average total assets | $32,437,984,500 | 44 |
Average earning assets | $30,121,671,500 | 44 |
Average equity | $5,053,936,000 | 36 |
Average total loans | $20,565,358,500 | 40 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 8.6088% | 55 |
Cost of funding earning assets | 1.9752% | 3,081 |
Net interest margin | 6.6336% | 62 |
Noninterest income to average assets | 12.5668% | 57 |
Noninterest expense to average assets | 11.8445% | 79 |
Loan and lease loss provision to assets | 8.0779% | 42 |
Net operating income to assets | -0.7271% | 6,388 |
Return on assets (ROA) | -0.8363% | 6,463 |
Pretax return on assets | -1.3383% | 6,620 |
Return on Equity (ROE) | -5.6906% | 6,279 |
Retained earnings to average equity (ytd only) | -5.6906% | 6,109 |
Net charge-offs to loans | 9.8261% | 41 |
Credit loss provision to net charge-offs | 118.6896% | 4,536 |
Earnings coverage of net charge-offs (x) | 1.0153% | 5,101 |
Efficiency ratio | 63.1440% | 5,942 |
Assets per employee ($millions) | 295.3357% | 14 |
Cash dividends to net income (ytd only)* | -0.0004% | 7,357 |
Condition Ratios (%) | ||
Loss allowance to loans | 8.8127% | 28 |
Loan loss allowance to noncurrent loans | 423.6107% | 789 |
Noncurrent assets plus other real estate owned to assets | 1.3420% | 4,417 |
Noncurrent loans to loans | 2.0804% | 3,549 |
Net loans and leases to total assets | 58.8215% | 5,512 |
Net loans and leases to deposits | 146.2231% | 48 |
Net loans and leases to core deposits | 149.4381% | 522 |
Total domestic deposits to total assets | 40.2272% | 7,932 |
Equity capital to assets | 15.6337% | 760 |
Core capital (leverage) ratio | 15.0934% | 759 |
Tier 1 risk-based capital ratio | 14.1717% | 3,393 |
Total risk-based capital ratio | 16.6576% | 2,712 |
Memoranda: | ||
Average total assets | $30,719,244,400 | 47 |
Average earning assets | $28,655,720,800 | 46 |
Average equity | $4,514,570,000 | 39 |
Average total loans | $21,277,385,200 | 41 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 8.8367% | 51 |
Cost of funding earning assets | 1.9644% | 3,544 |
Net interest margin | 6.8723% | 56 |
Noninterest income to average assets | 12.2029% | 58 |
Noninterest expense to average assets | 11.3524% | 90 |
Loan and lease loss provision to assets | 9.8265% | 26 |
Net operating income to assets | -1.5868% | 7,152 |
Return on assets (ROA) | -1.7370% | 7,211 |
Pretax return on assets | -2.7693% | 7,443 |
Return on Equity (ROE) | -12.0206% | 7,022 |
Retained earnings to average equity (ytd only) | -12.0206% | 6,948 |
Net charge-offs to loans | 10.6740% | 40 |
Credit loss provision to net charge-offs | 130.5614% | 3,833 |
Earnings coverage of net charge-offs (x) | 0.9688% | 5,095 |
Efficiency ratio | 60.8831% | 6,295 |
Assets per employee ($millions) | 301.1162% | 14 |
Cash dividends to net income (ytd only)* | -0.0003% | 7,593 |
Condition Ratios (%) | ||
Loss allowance to loans | 9.8577% | 16 |
Loan loss allowance to noncurrent loans | 241.5213% | 1,227 |
Noncurrent assets plus other real estate owned to assets | 2.5501% | 2,720 |
Noncurrent loans to loans | 4.0815% | 1,796 |
Net loans and leases to total assets | 56.3213% | 6,109 |
Net loans and leases to deposits | 150.1158% | 51 |
Net loans and leases to core deposits | 152.2276% | 533 |
Total domestic deposits to total assets | 37.5186% | 8,020 |
Equity capital to assets | 15.3702% | 910 |
Core capital (leverage) ratio | 14.7893% | 898 |
Tier 1 risk-based capital ratio | 14.3149% | 3,378 |
Total risk-based capital ratio | 16.8566% | 2,708 |
Memoranda: | ||
Average total assets | $30,424,992,250 | 49 |
Average earning assets | $28,517,051,500 | 48 |
Average equity | $4,396,568,000 | 41 |
Average total loans | $21,452,964,250 | 43 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 9.2018% | 49 |
Cost of funding earning assets | 1.9877% | 3,835 |
Net interest margin | 7.2141% | 47 |
Noninterest income to average assets | 12.3295% | 60 |
Noninterest expense to average assets | 11.5409% | 97 |
Loan and lease loss provision to assets | 11.0706% | 22 |
Net operating income to assets | -2.1827% | 7,472 |
Return on assets (ROA) | -2.4080% | 7,534 |
Pretax return on assets | -3.8798% | 7,724 |
Return on Equity (ROE) | -17.0448% | 7,422 |
Retained earnings to average equity (ytd only) | -17.0449% | 7,346 |
Net charge-offs to loans | 11.4316% | 40 |
Credit loss provision to net charge-offs | 132.0641% | 3,538 |
Earnings coverage of net charge-offs (x) | 0.8998% | 4,859 |
Efficiency ratio | 60.4657% | 6,470 |
Assets per employee ($millions) | 330.4083% | 14 |
Cash dividends to net income (ytd only)* | -0.0003% | 7,735 |
Condition Ratios (%) | ||
Loss allowance to loans | 9.3005% | 21 |
Loan loss allowance to noncurrent loans | 195.9109% | 1,551 |
Noncurrent assets plus other real estate owned to assets | 3.2041% | 1,954 |
Noncurrent loans to loans | 4.7473% | 1,327 |
Net loans and leases to total assets | 61.2156% | 5,484 |
Net loans and leases to deposits | 167.2786% | 45 |
Net loans and leases to core deposits | 169.3535% | 325 |
Total domestic deposits to total assets | 36.5950% | 8,109 |
Equity capital to assets | 16.2989% | 781 |
Core capital (leverage) ratio | 15.8238% | 767 |
Tier 1 risk-based capital ratio | 14.2977% | 3,357 |
Total risk-based capital ratio | 15.6027% | 3,265 |
Memoranda: | ||
Average total assets | $30,027,589,670 | 54 |
Average earning assets | $28,113,893,670 | 51 |
Average equity | $4,242,214,330 | 44 |
Average total loans | $22,019,097,330 | 45 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 9.7708% | 45 |
Cost of funding earning assets | 1.9350% | 4,466 |
Net interest margin | 7.8359% | 43 |
Noninterest income to average assets | 12.8383% | 55 |
Noninterest expense to average assets | 11.2875% | 95 |
Loan and lease loss provision to assets | 11.0331% | 32 |
Net operating income to assets | -1.2666% | 7,398 |
Return on assets (ROA) | -1.7112% | 7,576 |
Pretax return on assets | -2.8132% | 7,722 |
Return on Equity (ROE) | -13.1044% | 7,525 |
Retained earnings to average equity (ytd only) | -13.1045% | 7,331 |
Net charge-offs to loans | 9.7265% | 65 |
Credit loss provision to net charge-offs | 148.8512% | 2,807 |
Earnings coverage of net charge-offs (x) | 1.2027% | 4,147 |
Efficiency ratio | 55.8578% | 6,988 |
Assets per employee ($millions) | 338.1949% | 12 |
Cash dividends to net income (ytd only)* | -0.0008% | 8,022 |
Condition Ratios (%) | ||
Loss allowance to loans | 7.9111% | 33 |
Loan loss allowance to noncurrent loans | 161.9177% | 2,001 |
Noncurrent assets plus other real estate owned to assets | 3.4890% | 1,545 |
Noncurrent loans to loans | 4.8859% | 1,119 |
Net loans and leases to total assets | 65.7607% | 4,640 |
Net loans and leases to deposits | 214.0557% | 32 |
Net loans and leases to core deposits | 216.6751% | 104 |
Total domestic deposits to total assets | 30.7213% | 8,173 |
Equity capital to assets | 13.5652% | 1,509 |
Core capital (leverage) ratio | 13.2302% | 1,409 |
Tier 1 risk-based capital ratio | 16.7114% | 2,441 |
Total risk-based capital ratio | 18.0395% | 2,339 |
Memoranda: | ||
Average total assets | $30,173,010,000 | 54 |
Average earning assets | $28,354,842,500 | 51 |
Average equity | $3,939,945,000 | 48 |
Average total loans | $22,993,567,500 | 45 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 11.7918% | 34 |
Cost of funding earning assets | 2.9443% | 2,077 |
Net interest margin | 8.8475% | 33 |
Noninterest income to average assets | 19.3272% | 47 |
Noninterest expense to average assets | 14.5802% | 76 |
Loan and lease loss provision to assets | 8.3982% | 17 |
Net operating income to assets | 2.9720% | 69 |
Return on assets (ROA) | 0.8476% | 3,067 |
Pretax return on assets | 1.4973% | 1,696 |
Return on Equity (ROE) | 7.1012% | 3,475 |
Retained earnings to average equity (ytd only) | 2.1969% | 3,850 |
Net charge-offs to loans | 8.0411% | 29 |
Credit loss provision to net charge-offs | 126.9005% | 4,212 |
Earnings coverage of net charge-offs (x) | 1.9968% | 5,074 |
Efficiency ratio | 52.4461% | 7,440 |
Assets per employee ($millions) | 308.3348% | 12 |
Cash dividends to net income (ytd only)* | 69.0624% | 2,216 |
Condition Ratios (%) | ||
Loss allowance to loans | 6.0955% | 52 |
Loan loss allowance to noncurrent loans | 206.7061% | 1,888 |
Noncurrent assets plus other real estate owned to assets | 2.3911% | 2,032 |
Noncurrent loans to loans | 2.9489% | 1,820 |
Net loans and leases to total assets | 76.1437% | 2,580 |
Net loans and leases to deposits | 270.0124% | 25 |
Net loans and leases to core deposits | 275.1957% | 56 |
Total domestic deposits to total assets | 28.2001% | 8,220 |
Equity capital to assets | 12.5415% | 1,988 |
Core capital (leverage) ratio | 12.2171% | 1,872 |
Tier 1 risk-based capital ratio | 12.6527% | 4,321 |
Total risk-based capital ratio | 13.9549% | 4,202 |
Memoranda: | ||
Average total assets | $25,626,196,800 | 59 |
Average earning assets | $24,526,936,400 | 57 |
Average equity | $3,058,581,600 | 52 |
Average total loans | $21,090,744,600 | 47 |