Home > Anchor Bank > Performance and Condition Ratios
Anchor Bank, Performance and Condition Ratios
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 | 3.8630% | 3,787 |
Cost of funding earning assets | 0.1973% | 5,000 |
Net interest margin | 3.6657% | 2,886 |
Noninterest income to average assets | 0.8312% | 1,474 |
Noninterest expense to average assets | 2.7000% | 3,064 |
Loan and lease loss provision to assets | 0.1175% | 1,844 |
Net operating income to assets | 0.9905% | 2,595 |
Return on assets (ROA) | 0.9921% | 2,640 |
Pretax return on assets | 1.4188% | 2,067 |
Return on Equity (ROE) | 10.0011% | 2,132 |
Retained earnings to average equity (ytd only) | 5.0657% | 2,845 |
Net charge-offs to loans | 0.1966% | 1,083 |
Credit loss provision to net charge-offs | 78.3972% | 2,608 |
Earnings coverage of net charge-offs (x) | 10.2339% | 2,617 |
Efficiency ratio | 63.0711% | 3,698 |
Assets per employee ($millions) | 6.4962% | 1,181 |
Cash dividends to net income (ytd only)* | 49.3486% | 1,803 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1913% | 2,978 |
Loan loss allowance to noncurrent loans | 151.0386% | 2,771 |
Noncurrent assets plus other real estate owned to assets | 0.6723% | 2,481 |
Noncurrent loans to loans | 0.7888% | 2,388 |
Net loans and leases to total assets | 77.5085% | 1,345 |
Net loans and leases to deposits | 88.9455% | 1,933 |
Net loans and leases to core deposits | 91.6062% | 2,481 |
Total domestic deposits to total assets | 87.1415% | 1,801 |
Equity capital to assets | 9.9316% | 3,990 |
Core capital (leverage) ratio | 9.4995% | 4,170 |
Tier 1 risk-based capital ratio | 10.1957% | 5,549 |
Total risk-based capital ratio | 11.8545% | 5,347 |
Memoranda: | ||
Average total assets | $2,042,392,250 | 401 |
Average earning assets | $1,895,919,750 | 396 |
Average equity | $202,612,750 | 436 |
Average total loans | $1,557,407,250 | 383 |
2017-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8048% | 3,875 |
Cost of funding earning assets | 0.1927% | 5,047 |
Net interest margin | 3.6121% | 2,992 |
Noninterest income to average assets | 0.8319% | 1,460 |
Noninterest expense to average assets | 2.7488% | 2,933 |
Loan and lease loss provision to assets | 0.1183% | 1,735 |
Net operating income to assets | 0.9719% | 2,560 |
Return on assets (ROA) | 0.9722% | 2,604 |
Pretax return on assets | 1.3183% | 2,317 |
Return on Equity (ROE) | 9.8042% | 2,121 |
Retained earnings to average equity (ytd only) | 4.8320% | 2,823 |
Net charge-offs to loans | 0.2943% | 693 |
Credit loss provision to net charge-offs | 53.2623% | 2,527 |
Earnings coverage of net charge-offs (x) | 6.4643% | 2,710 |
Efficiency ratio | 64.9677% | 3,504 |
Assets per employee ($millions) | 6.4212% | 1,196 |
Cash dividends to net income (ytd only)* | 50.7151% | 1,830 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1991% | 3,023 |
Loan loss allowance to noncurrent loans | 292.4004% | 1,615 |
Noncurrent assets plus other real estate owned to assets | 0.3779% | 3,601 |
Noncurrent loans to loans | 0.4101% | 3,554 |
Net loans and leases to total assets | 75.9103% | 1,554 |
Net loans and leases to deposits | 90.3082% | 1,687 |
Net loans and leases to core deposits | 92.7808% | 2,272 |
Total domestic deposits to total assets | 84.0569% | 3,174 |
Equity capital to assets | 9.9461% | 3,977 |
Core capital (leverage) ratio | 9.5426% | 4,079 |
Tier 1 risk-based capital ratio | 10.4950% | 5,459 |
Total risk-based capital ratio | 12.1975% | 5,179 |
Memoranda: | ||
Average total assets | $2,028,101,330 | 405 |
Average earning assets | $1,882,672,330 | 399 |
Average equity | $201,117,000 | 437 |
Average total loans | $1,531,295,000 | 389 |
2017-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7615% | 3,897 |
Cost of funding earning assets | 0.1787% | 5,165 |
Net interest margin | 3.5827% | 2,951 |
Noninterest income to average assets | 0.7433% | 1,769 |
Noninterest expense to average assets | 2.9433% | 2,321 |
Loan and lease loss provision to assets | 0.1191% | 1,605 |
Net operating income to assets | 0.9064% | 2,728 |
Return on assets (ROA) | 0.9055% | 2,789 |
Pretax return on assets | 1.0070% | 3,345 |
Return on Equity (ROE) | 9.1453% | 2,343 |
Retained earnings to average equity (ytd only) | 4.1325% | 3,395 |
Net charge-offs to loans | 0.6047% | 297 |
Credit loss provision to net charge-offs | 26.3273% | 2,136 |
Earnings coverage of net charge-offs (x) | 2.4910% | 2,584 |
Efficiency ratio | 71.5735% | 2,653 |
Assets per employee ($millions) | 6.2103% | 1,363 |
Cash dividends to net income (ytd only)* | 54.8125% | 1,557 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2172% | 3,031 |
Loan loss allowance to noncurrent loans | 272.4215% | 1,746 |
Noncurrent assets plus other real estate owned to assets | 0.4217% | 3,496 |
Noncurrent loans to loans | 0.4468% | 3,494 |
Net loans and leases to total assets | 74.0546% | 1,725 |
Net loans and leases to deposits | 84.5890% | 2,214 |
Net loans and leases to core deposits | 86.3888% | 2,683 |
Total domestic deposits to total assets | 87.5464% | 1,964 |
Equity capital to assets | 10.0155% | 3,738 |
Core capital (leverage) ratio | 9.4604% | 4,161 |
Tier 1 risk-based capital ratio | 10.8950% | 5,364 |
Total risk-based capital ratio | 12.6526% | 4,986 |
Memoranda: | ||
Average total assets | $2,014,762,000 | 411 |
Average earning assets | $1,870,965,500 | 403 |
Average equity | $199,490,000 | 442 |
Average total loans | $1,507,583,000 | 394 |
2016-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8249% | 3,818 |
Cost of funding earning assets | 0.1968% | 5,044 |
Net interest margin | 3.6281% | 2,970 |
Noninterest income to average assets | 0.9015% | 1,409 |
Noninterest expense to average assets | 2.6312% | 3,582 |
Loan and lease loss provision to assets | 0.1931% | 1,206 |
Net operating income to assets | 0.9365% | 2,645 |
Return on assets (ROA) | 0.9384% | 2,749 |
Pretax return on assets | 1.4443% | 1,769 |
Return on Equity (ROE) | 9.5543% | 2,165 |
Retained earnings to average equity (ytd only) | 4.4145% | 2,774 |
Net charge-offs to loans | 0.0161% | 3,763 |
Credit loss provision to net charge-offs | 1,627.6596% | 269 |
Earnings coverage of net charge-offs (x) | 137.7830% | 455 |
Efficiency ratio | 60.8798% | 4,439 |
Assets per employee ($millions) | 6.6566% | 1,072 |
Cash dividends to net income (ytd only)* | 53.7953% | 2,093 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3222% | 2,419 |
Loan loss allowance to noncurrent loans | 247.2226% | 1,915 |
Noncurrent assets plus other real estate owned to assets | 0.5472% | 3,096 |
Noncurrent loans to loans | 0.5348% | 3,249 |
Net loans and leases to total assets | 73.7003% | 1,898 |
Net loans and leases to deposits | 84.4743% | 2,363 |
Net loans and leases to core deposits | 86.0223% | 2,848 |
Total domestic deposits to total assets | 87.2459% | 2,003 |
Equity capital to assets | 9.7883% | 3,953 |
Core capital (leverage) ratio | 9.3215% | 4,326 |
Tier 1 risk-based capital ratio | 10.7314% | 5,473 |
Total risk-based capital ratio | 12.5730% | 5,061 |
Memoranda: | ||
Average total assets | $1,980,954,400 | 397 |
Average earning assets | $1,836,880,200 | 391 |
Average equity | $194,561,200 | 438 |
Average total loans | $1,462,799,200 | 380 |
2016-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7905% | 3,948 |
Cost of funding earning assets | 0.1994% | 5,077 |
Net interest margin | 3.5911% | 3,108 |
Noninterest income to average assets | 0.9098% | 1,378 |
Noninterest expense to average assets | 2.5868% | 3,712 |
Loan and lease loss provision to assets | 0.1659% | 1,375 |
Net operating income to assets | 0.9644% | 2,593 |
Return on assets (ROA) | 0.9646% | 2,728 |
Pretax return on assets | 1.4877% | 1,745 |
Return on Equity (ROE) | 9.8131% | 2,135 |
Retained earnings to average equity (ytd only) | 4.6501% | 3,056 |
Net charge-offs to loans | 0.0279% | 3,107 |
Credit loss provision to net charge-offs | 806.5789% | 498 |
Earnings coverage of net charge-offs (x) | 80.3691% | 783 |
Efficiency ratio | 60.1957% | 4,513 |
Assets per employee ($millions) | 6.7774% | 971 |
Cash dividends to net income (ytd only)* | 52.6131% | 1,758 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2228% | 3,107 |
Loan loss allowance to noncurrent loans | 273.2243% | 1,756 |
Noncurrent assets plus other real estate owned to assets | 0.5039% | 3,432 |
Noncurrent loans to loans | 0.4476% | 3,675 |
Net loans and leases to total assets | 74.4061% | 1,806 |
Net loans and leases to deposits | 88.3773% | 1,966 |
Net loans and leases to core deposits | 89.8799% | 2,589 |
Total domestic deposits to total assets | 84.1915% | 3,147 |
Equity capital to assets | 9.8334% | 4,320 |
Core capital (leverage) ratio | 9.3752% | 4,365 |
Tier 1 risk-based capital ratio | 10.6682% | 5,539 |
Total risk-based capital ratio | 12.4328% | 5,175 |
Memoranda: | ||
Average total assets | $1,970,294,750 | 398 |
Average earning assets | $1,827,220,750 | 392 |
Average equity | $193,682,500 | 444 |
Average total loans | $1,450,654,750 | 385 |
2016-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7671% | 4,066 |
Cost of funding earning assets | 0.1994% | 5,153 |
Net interest margin | 3.5677% | 3,224 |
Noninterest income to average assets | 0.9785% | 1,178 |
Noninterest expense to average assets | 2.6288% | 3,619 |
Loan and lease loss provision to assets | 0.1672% | 1,337 |
Net operating income to assets | 0.9692% | 2,529 |
Return on assets (ROA) | 0.9687% | 2,674 |
Pretax return on assets | 1.4912% | 1,693 |
Return on Equity (ROE) | 9.8551% | 2,113 |
Retained earnings to average equity (ytd only) | 4.6540% | 2,945 |
Net charge-offs to loans | 0.0295% | 2,885 |
Credit loss provision to net charge-offs | 774.8815% | 465 |
Earnings coverage of net charge-offs (x) | 76.9100% | 725 |
Efficiency ratio | 60.4974% | 4,578 |
Assets per employee ($millions) | 6.4968% | 1,088 |
Cash dividends to net income (ytd only)* | 52.7760% | 1,841 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2137% | 3,282 |
Loan loss allowance to noncurrent loans | 199.6079% | 2,291 |
Noncurrent assets plus other real estate owned to assets | 0.7111% | 2,846 |
Noncurrent loans to loans | 0.6080% | 3,243 |
Net loans and leases to total assets | 73.1867% | 1,986 |
Net loans and leases to deposits | 89.7200% | 1,784 |
Net loans and leases to core deposits | 91.2560% | 2,410 |
Total domestic deposits to total assets | 81.5723% | 4,122 |
Equity capital to assets | 9.8711% | 4,367 |
Core capital (leverage) ratio | 9.4890% | 4,225 |
Tier 1 risk-based capital ratio | 10.9097% | 5,470 |
Total risk-based capital ratio | 12.6924% | 5,084 |
Memoranda: | ||
Average total assets | $1,956,100,670 | 401 |
Average earning assets | $1,814,557,000 | 395 |
Average equity | $192,265,000 | 446 |
Average total loans | $1,428,791,330 | 389 |
2016-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7816% | 4,011 |
Cost of funding earning assets | 0.1968% | 5,234 |
Net interest margin | 3.5848% | 3,146 |
Noninterest income to average assets | 0.7150% | 1,960 |
Noninterest expense to average assets | 2.6877% | 3,457 |
Loan and lease loss provision to assets | 0.1682% | 1,229 |
Net operating income to assets | 0.7928% | 3,282 |
Return on assets (ROA) | 0.7920% | 3,389 |
Pretax return on assets | 1.1872% | 2,751 |
Return on Equity (ROE) | 8.0756% | 2,869 |
Retained earnings to average equity (ytd only) | 2.8290% | 4,098 |
Net charge-offs to loans | 0.0732% | 1,748 |
Credit loss provision to net charge-offs | 316.6667% | 818 |
Earnings coverage of net charge-offs (x) | 25.5465% | 1,292 |
Efficiency ratio | 65.5911% | 3,863 |
Assets per employee ($millions) | 6.2081% | 1,267 |
Cash dividends to net income (ytd only)* | 64.9688% | 1,312 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2036% | 3,455 |
Loan loss allowance to noncurrent loans | 225.3956% | 2,046 |
Noncurrent assets plus other real estate owned to assets | 0.6759% | 3,029 |
Noncurrent loans to loans | 0.5340% | 3,588 |
Net loans and leases to total assets | 72.3034% | 1,987 |
Net loans and leases to deposits | 82.9105% | 2,440 |
Net loans and leases to core deposits | 84.2906% | 2,908 |
Total domestic deposits to total assets | 87.2065% | 2,096 |
Equity capital to assets | 9.9655% | 4,120 |
Core capital (leverage) ratio | 9.4128% | 4,333 |
Tier 1 risk-based capital ratio | 11.1430% | 5,427 |
Total risk-based capital ratio | 12.9406% | 5,027 |
Memoranda: | ||
Average total assets | $1,943,396,000 | 399 |
Average earning assets | $1,804,867,500 | 395 |
Average equity | $190,599,000 | 447 |
Average total loans | $1,409,178,000 | 391 |
2015-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9251% | 3,618 |
Cost of funding earning assets | 0.1820% | 5,430 |
Net interest margin | 3.7431% | 2,586 |
Noninterest income to average assets | 0.8432% | 1,628 |
Noninterest expense to average assets | 2.9702% | 2,638 |
Loan and lease loss provision to assets | 0.1488% | 1,581 |
Net operating income to assets | 0.7993% | 3,345 |
Return on assets (ROA) | 0.8067% | 3,391 |
Pretax return on assets | 1.2271% | 2,559 |
Return on Equity (ROE) | 8.6133% | 2,668 |
Retained earnings to average equity (ytd only) | 2.5748% | 4,238 |
Net charge-offs to loans | -0.0398% | 5,492 |
Credit loss provision to net charge-offs | -516.0784% | 5,447 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 67.8838% | 3,590 |
Assets per employee ($millions) | 6.3096% | 1,195 |
Cash dividends to net income (ytd only)* | 70.1066% | 1,244 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1627% | 3,690 |
Loan loss allowance to noncurrent loans | 222.9733% | 2,086 |
Noncurrent assets plus other real estate owned to assets | 0.7036% | 2,940 |
Noncurrent loans to loans | 0.5214% | 3,606 |
Net loans and leases to total assets | 71.0155% | 2,197 |
Net loans and leases to deposits | 81.5273% | 2,652 |
Net loans and leases to core deposits | 82.8642% | 3,062 |
Total domestic deposits to total assets | 87.1065% | 2,072 |
Equity capital to assets | 9.6526% | 4,366 |
Core capital (leverage) ratio | 9.2088% | 4,602 |
Tier 1 risk-based capital ratio | 11.1327% | 5,451 |
Total risk-based capital ratio | 12.9005% | 5,074 |
Memoranda: | ||
Average total assets | $1,768,260,200 | 411 |
Average earning assets | $1,649,498,600 | 408 |
Average equity | $165,605,000 | 479 |
Average total loans | $1,281,946,800 | 392 |
2015-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9335% | 3,616 |
Cost of funding earning assets | 0.1745% | 5,594 |
Net interest margin | 3.7590% | 2,529 |
Noninterest income to average assets | 0.8861% | 1,493 |
Noninterest expense to average assets | 3.0601% | 2,333 |
Loan and lease loss provision to assets | 0.1373% | 1,627 |
Net operating income to assets | 0.7917% | 3,469 |
Return on assets (ROA) | 0.8018% | 3,518 |
Pretax return on assets | 1.2127% | 2,769 |
Return on Equity (ROE) | 8.6368% | 2,766 |
Retained earnings to average equity (ytd only) | 2.3734% | 4,693 |
Net charge-offs to loans | -0.0640% | 5,631 |
Credit loss provision to net charge-offs | -295.1667% | 5,262 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 69.0952% | 3,354 |
Assets per employee ($millions) | 6.2730% | 1,191 |
Cash dividends to net income (ytd only)* | 72.5198% | 941 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0980% | 4,238 |
Loan loss allowance to noncurrent loans | 209.8039% | 2,165 |
Noncurrent assets plus other real estate owned to assets | 0.6724% | 3,239 |
Noncurrent loans to loans | 0.5233% | 3,776 |
Net loans and leases to total assets | 72.1302% | 2,042 |
Net loans and leases to deposits | 81.7965% | 2,663 |
Net loans and leases to core deposits | 83.1115% | 3,143 |
Total domestic deposits to total assets | 88.1825% | 1,463 |
Equity capital to assets | 9.5701% | 4,669 |
Core capital (leverage) ratio | 9.0322% | 4,958 |
Tier 1 risk-based capital ratio | 10.7097% | 5,797 |
Total risk-based capital ratio | 11.6819% | 5,842 |
Memoranda: | ||
Average total assets | $1,719,755,500 | 428 |
Average earning assets | $1,605,297,250 | 417 |
Average equity | $159,653,500 | 492 |
Average total loans | $1,249,954,500 | 403 |
2015-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9225% | 3,606 |
Cost of funding earning assets | 0.1717% | 5,680 |
Net interest margin | 3.7508% | 2,513 |
Noninterest income to average assets | 0.7965% | 1,794 |
Noninterest expense to average assets | 3.2830% | 1,752 |
Loan and lease loss provision to assets | 0.1093% | 2,006 |
Net operating income to assets | 0.6228% | 4,249 |
Return on assets (ROA) | 0.6393% | 4,289 |
Pretax return on assets | 0.9251% | 3,865 |
Return on Equity (ROE) | 6.9717% | 3,628 |
Retained earnings to average equity (ytd only) | 0.3333% | 5,407 |
Net charge-offs to loans | -0.0978% | 5,778 |
Credit loss provision to net charge-offs | -154.0309% | 4,980 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 76.1230% | 2,332 |
Assets per employee ($millions) | 5.8607% | 1,456 |
Cash dividends to net income (ytd only)* | 95.2200% | 600 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0325% | 4,699 |
Loan loss allowance to noncurrent loans | 174.0960% | 2,488 |
Noncurrent assets plus other real estate owned to assets | 0.7265% | 3,201 |
Noncurrent loans to loans | 0.5930% | 3,683 |
Net loans and leases to total assets | 74.1394% | 1,638 |
Net loans and leases to deposits | 83.6497% | 2,354 |
Net loans and leases to core deposits | 85.0125% | 2,880 |
Total domestic deposits to total assets | 88.6308% | 1,341 |
Equity capital to assets | 9.1088% | 5,141 |
Core capital (leverage) ratio | 8.8735% | 5,126 |
Tier 1 risk-based capital ratio | 9.8941% | 6,119 |
Total risk-based capital ratio | 10.8101% | 6,168 |
Memoranda: | ||
Average total assets | $1,642,701,330 | 444 |
Average earning assets | $1,531,520,670 | 429 |
Average equity | $150,636,670 | 510 |
Average total loans | $1,192,331,330 | 422 |
2015-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7554% | 4,181 |
Cost of funding earning assets | 0.1563% | 5,876 |
Net interest margin | 3.5992% | 3,010 |
Noninterest income to average assets | 0.8716% | 1,492 |
Noninterest expense to average assets | 2.9181% | 2,838 |
Loan and lease loss provision to assets | 0.0976% | 2,071 |
Net operating income to assets | 0.8126% | 3,201 |
Return on assets (ROA) | 0.8496% | 3,129 |
Pretax return on assets | 1.2688% | 2,391 |
Return on Equity (ROE) | 9.2266% | 2,347 |
Retained earnings to average equity (ytd only) | 2.0430% | 4,653 |
Net charge-offs to loans | -0.1570% | 5,993 |
Credit loss provision to net charge-offs | -87.4408% | 4,470 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 68.9983% | 3,661 |
Assets per employee ($millions) | 5.5874% | 1,722 |
Cash dividends to net income (ytd only)* | 77.8574% | 1,013 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2891% | 3,461 |
Loan loss allowance to noncurrent loans | 326.8622% | 1,456 |
Noncurrent assets plus other real estate owned to assets | 0.6176% | 3,633 |
Noncurrent loans to loans | 0.3944% | 4,410 |
Net loans and leases to total assets | 69.4728% | 2,206 |
Net loans and leases to deposits | 79.1170% | 2,669 |
Net loans and leases to core deposits | 80.2615% | 3,126 |
Total domestic deposits to total assets | 87.8102% | 1,924 |
Equity capital to assets | 9.0178% | 5,267 |
Core capital (leverage) ratio | 9.3180% | 4,540 |
Tier 1 risk-based capital ratio | 11.1417% | 5,744 |
Total risk-based capital ratio | 12.2708% | 5,733 |
Memoranda: | ||
Average total assets | $1,511,686,500 | 473 |
Average earning assets | $1,410,221,500 | 461 |
Average equity | $139,206,000 | 544 |
Average total loans | $1,075,053,000 | 453 |
2014-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0396% | 3,563 |
Cost of funding earning assets | 0.1696% | 5,982 |
Net interest margin | 3.8700% | 2,360 |
Noninterest income to average assets | 1.1659% | 889 |
Noninterest expense to average assets | 2.9176% | 3,089 |
Loan and lease loss provision to assets | 0.0415% | 3,750 |
Net operating income to assets | 1.1684% | 1,678 |
Return on assets (ROA) | 1.1718% | 1,743 |
Pretax return on assets | 1.7906% | 806 |
Return on Equity (ROE) | 12.4724% | 1,270 |
Retained earnings to average equity (ytd only) | 5.1097% | 2,518 |
Net charge-offs to loans | 0.1020% | 3,048 |
Credit loss provision to net charge-offs | 55.9701% | 3,356 |
Earnings coverage of net charge-offs (x) | 24.6362% | 1,523 |
Efficiency ratio | 61.4942% | 4,992 |
Assets per employee ($millions) | 5.3856% | 1,874 |
Cash dividends to net income (ytd only)* | 59.0319% | 1,793 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2491% | 3,725 |
Loan loss allowance to noncurrent loans | 329.3811% | 1,503 |
Noncurrent assets plus other real estate owned to assets | 0.6252% | 3,712 |
Noncurrent loans to loans | 0.3792% | 4,503 |
Net loans and leases to total assets | 70.9901% | 2,079 |
Net loans and leases to deposits | 81.2795% | 2,568 |
Net loans and leases to core deposits | 82.4353% | 3,057 |
Total domestic deposits to total assets | 87.3407% | 2,106 |
Equity capital to assets | 9.4088% | 4,827 |
Core capital (leverage) ratio | 9.4253% | 4,345 |
Tier 1 risk-based capital ratio | 11.6568% | 5,572 |
Total risk-based capital ratio | 12.7774% | 5,566 |
Memoranda: | ||
Average total assets | $1,445,626,400 | 486 |
Average earning assets | $1,336,769,800 | 477 |
Average equity | $135,820,000 | 532 |
Average total loans | $1,050,682,400 | 440 |
2014-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0687% | 3,489 |
Cost of funding earning assets | 0.1725% | 6,048 |
Net interest margin | 3.8962% | 2,259 |
Noninterest income to average assets | 1.2911% | 731 |
Noninterest expense to average assets | 2.8873% | 3,170 |
Loan and lease loss provision to assets | 0.0556% | 3,258 |
Net operating income to assets | 1.2616% | 1,493 |
Return on assets (ROA) | 1.2662% | 1,533 |
Pretax return on assets | 1.9532% | 637 |
Return on Equity (ROE) | 13.4816% | 1,100 |
Retained earnings to average equity (ytd only) | 6.0779% | 2,361 |
Net charge-offs to loans | 0.0688% | 3,215 |
Credit loss provision to net charge-offs | 110.9057% | 2,029 |
Earnings coverage of net charge-offs (x) | 39.9110% | 1,133 |
Efficiency ratio | 59.0557% | 5,305 |
Assets per employee ($millions) | 5.4317% | 1,788 |
Cash dividends to net income (ytd only)* | 54.9169% | 1,607 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2881% | 3,705 |
Loan loss allowance to noncurrent loans | 225.0490% | 1,970 |
Noncurrent assets plus other real estate owned to assets | 0.7997% | 3,418 |
Noncurrent loans to loans | 0.5724% | 4,201 |
Net loans and leases to total assets | 73.0974% | 1,665 |
Net loans and leases to deposits | 82.8140% | 2,319 |
Net loans and leases to core deposits | 84.1147% | 2,868 |
Total domestic deposits to total assets | 88.2670% | 1,625 |
Equity capital to assets | 9.5735% | 4,705 |
Core capital (leverage) ratio | 9.5319% | 4,328 |
Tier 1 risk-based capital ratio | 11.5966% | 5,742 |
Total risk-based capital ratio | 12.7627% | 5,712 |
Memoranda: | ||
Average total assets | $1,438,117,000 | 484 |
Average earning assets | $1,328,067,500 | 475 |
Average equity | $135,064,250 | 535 |
Average total loans | $1,048,146,250 | 439 |
2014-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0667% | 3,480 |
Cost of funding earning assets | 0.1744% | 6,112 |
Net interest margin | 3.8923% | 2,202 |
Noninterest income to average assets | 1.4193% | 599 |
Noninterest expense to average assets | 2.8629% | 3,298 |
Loan and lease loss provision to assets | 0.0836% | 2,632 |
Net operating income to assets | 1.3027% | 1,301 |
Return on assets (ROA) | 1.3092% | 1,334 |
Pretax return on assets | 2.0705% | 467 |
Return on Equity (ROE) | 14.0306% | 948 |
Retained earnings to average equity (ytd only) | 6.5667% | 1,998 |
Net charge-offs to loans | 0.0819% | 2,872 |
Credit loss provision to net charge-offs | 140.8451% | 1,520 |
Earnings coverage of net charge-offs (x) | 36.1338% | 1,133 |
Efficiency ratio | 57.1786% | 5,642 |
Assets per employee ($millions) | 5.2550% | 1,910 |
Cash dividends to net income (ytd only)* | 53.1971% | 1,793 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3119% | 3,792 |
Loan loss allowance to noncurrent loans | 221.7135% | 1,960 |
Noncurrent assets plus other real estate owned to assets | 0.8442% | 3,443 |
Noncurrent loans to loans | 0.5917% | 4,250 |
Net loans and leases to total assets | 72.6035% | 1,632 |
Net loans and leases to deposits | 83.8267% | 2,051 |
Net loans and leases to core deposits | 85.1684% | 2,591 |
Total domestic deposits to total assets | 86.6114% | 2,690 |
Equity capital to assets | 9.4989% | 4,751 |
Core capital (leverage) ratio | 9.6199% | 4,148 |
Tier 1 risk-based capital ratio | 11.4654% | 5,819 |
Total risk-based capital ratio | 12.6431% | 5,808 |
Memoranda: | ||
Average total assets | $1,435,879,670 | 479 |
Average earning assets | $1,323,489,330 | 473 |
Average equity | $133,979,000 | 540 |
Average total loans | $1,040,890,000 | 439 |
2014-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0650% | 3,421 |
Cost of funding earning assets | 0.1747% | 6,201 |
Net interest margin | 3.8903% | 2,118 |
Noninterest income to average assets | 1.7985% | 398 |
Noninterest expense to average assets | 2.8940% | 3,239 |
Loan and lease loss provision to assets | 0.0000% | 3,817 |
Net operating income to assets | 1.5576% | 721 |
Return on assets (ROA) | 1.5703% | 736 |
Pretax return on assets | 2.5151% | 218 |
Return on Equity (ROE) | 16.9826% | 537 |
Retained earnings to average equity (ytd only) | 9.4402% | 1,127 |
Net charge-offs to loans | 0.0116% | 3,387 |
Credit loss provision to net charge-offs | 0.0000% | 2,688 |
Earnings coverage of net charge-offs (x) | 298.1667% | 161 |
Efficiency ratio | 53.6984% | 6,036 |
Assets per employee ($millions) | 5.5223% | 1,687 |
Cash dividends to net income (ytd only)* | 44.4129% | 1,853 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3231% | 3,993 |
Loan loss allowance to noncurrent loans | 140.2109% | 2,795 |
Noncurrent assets plus other real estate owned to assets | 1.1115% | 3,034 |
Noncurrent loans to loans | 0.9436% | 3,530 |
Net loans and leases to total assets | 71.1270% | 1,709 |
Net loans and leases to deposits | 80.5773% | 2,218 |
Net loans and leases to core deposits | 81.7666% | 2,760 |
Total domestic deposits to total assets | 88.2717% | 2,072 |
Equity capital to assets | 9.3657% | 4,676 |
Core capital (leverage) ratio | 9.5528% | 4,206 |
Tier 1 risk-based capital ratio | 11.6171% | 5,850 |
Total risk-based capital ratio | 12.8040% | 5,836 |
Memoranda: | ||
Average total assets | $1,433,882,500 | 479 |
Average earning assets | $1,323,503,500 | 470 |
Average equity | $132,582,500 | 546 |
Average total loans | $1,031,687,000 | 443 |
2013-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0143% | 4,040 |
Cost of funding earning assets | 0.2259% | 6,139 |
Net interest margin | 3.7884% | 2,694 |
Noninterest income to average assets | 1.2202% | 945 |
Noninterest expense to average assets | 2.9628% | 3,152 |
Loan and lease loss provision to assets | 0.0426% | 4,267 |
Net operating income to assets | 1.0988% | 1,941 |
Return on assets (ROA) | 1.1006% | 2,000 |
Pretax return on assets | 1.7026% | 945 |
Return on Equity (ROE) | 12.1229% | 1,380 |
Retained earnings to average equity (ytd only) | 7.0394% | 1,421 |
Net charge-offs to loans | 0.1895% | 2,944 |
Credit loss provision to net charge-offs | 32.2061% | 4,207 |
Earnings coverage of net charge-offs (x) | 13.1734% | 2,053 |
Efficiency ratio | 62.9678% | 5,064 |
Assets per employee ($millions) | 5.4865% | 1,665 |
Cash dividends to net income (ytd only)* | 41.9328% | 2,713 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3344% | 3,958 |
Loan loss allowance to noncurrent loans | 141.0960% | 2,799 |
Noncurrent assets plus other real estate owned to assets | 1.1435% | 3,111 |
Noncurrent loans to loans | 0.9457% | 3,626 |
Net loans and leases to total assets | 70.8618% | 1,865 |
Net loans and leases to deposits | 80.3610% | 2,409 |
Net loans and leases to core deposits | 81.6182% | 2,942 |
Total domestic deposits to total assets | 88.1794% | 2,070 |
Equity capital to assets | 9.1268% | 4,894 |
Core capital (leverage) ratio | 9.2327% | 4,667 |
Tier 1 risk-based capital ratio | 11.3143% | 6,018 |
Total risk-based capital ratio | 12.5006% | 5,993 |
Memoranda: | ||
Average total assets | $1,408,472,200 | 478 |
Average earning assets | $1,295,706,000 | 473 |
Average equity | $127,865,200 | 556 |
Average total loans | $983,323,600 | 435 |
2013-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9844% | 4,194 |
Cost of funding earning assets | 0.2376% | 6,172 |
Net interest margin | 3.7468% | 2,860 |
Noninterest income to average assets | 1.3020% | 875 |
Noninterest expense to average assets | 2.8825% | 3,364 |
Loan and lease loss provision to assets | 0.0570% | 3,911 |
Net operating income to assets | 1.1618% | 1,766 |
Return on assets (ROA) | 1.1633% | 1,833 |
Pretax return on assets | 1.8071% | 888 |
Return on Equity (ROE) | 12.8320% | 1,279 |
Retained earnings to average equity (ytd only) | 8.1136% | 1,365 |
Net charge-offs to loans | 0.2340% | 2,401 |
Credit loss provision to net charge-offs | 35.1700% | 3,800 |
Earnings coverage of net charge-offs (x) | 11.4795% | 2,241 |
Efficiency ratio | 60.7590% | 5,313 |
Assets per employee ($millions) | 5.4506% | 1,675 |
Cash dividends to net income (ytd only)* | 36.7707% | 2,403 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3633% | 4,064 |
Loan loss allowance to noncurrent loans | 119.1723% | 3,040 |
Noncurrent assets plus other real estate owned to assets | 1.2455% | 3,149 |
Noncurrent loans to loans | 1.1440% | 3,518 |
Net loans and leases to total assets | 69.7894% | 2,002 |
Net loans and leases to deposits | 80.2672% | 2,371 |
Net loans and leases to core deposits | 81.7035% | 2,905 |
Total domestic deposits to total assets | 86.9464% | 2,721 |
Equity capital to assets | 8.9977% | 5,192 |
Core capital (leverage) ratio | 9.2585% | 4,739 |
Tier 1 risk-based capital ratio | 11.2349% | 6,175 |
Total risk-based capital ratio | 12.4379% | 6,164 |
Memoranda: | ||
Average total assets | $1,402,599,250 | 485 |
Average earning assets | $1,288,536,500 | 479 |
Average equity | $127,158,500 | 565 |
Average total loans | $972,044,750 | 436 |
2013-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9683% | 4,232 |
Cost of funding earning assets | 0.2527% | 6,161 |
Net interest margin | 3.7156% | 2,896 |
Noninterest income to average assets | 1.0887% | 1,291 |
Noninterest expense to average assets | 2.8679% | 3,444 |
Loan and lease loss provision to assets | 0.0863% | 3,353 |
Net operating income to assets | 1.0206% | 2,239 |
Return on assets (ROA) | 1.0198% | 2,366 |
Pretax return on assets | 1.5533% | 1,474 |
Return on Equity (ROE) | 11.2195% | 1,742 |
Retained earnings to average equity (ytd only) | 7.2634% | 1,764 |
Net charge-offs to loans | 0.2875% | 2,045 |
Credit loss provision to net charge-offs | 43.6364% | 3,347 |
Earnings coverage of net charge-offs (x) | 8.2960% | 2,422 |
Efficiency ratio | 63.6094% | 4,922 |
Assets per employee ($millions) | 5.1255% | 1,964 |
Cash dividends to net income (ytd only)* | 35.2609% | 2,446 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4407% | 3,847 |
Loan loss allowance to noncurrent loans | 123.5202% | 2,955 |
Noncurrent assets plus other real estate owned to assets | 1.5189% | 2,827 |
Noncurrent loans to loans | 1.1664% | 3,606 |
Net loans and leases to total assets | 69.7348% | 1,929 |
Net loans and leases to deposits | 80.9923% | 2,181 |
Net loans and leases to core deposits | 82.6897% | 2,727 |
Total domestic deposits to total assets | 86.1005% | 3,307 |
Equity capital to assets | 9.0595% | 5,157 |
Core capital (leverage) ratio | 9.1916% | 4,708 |
Tier 1 risk-based capital ratio | 11.4021% | 6,158 |
Total risk-based capital ratio | 12.6525% | 6,120 |
Memoranda: | ||
Average total assets | $1,390,481,000 | 487 |
Average earning assets | $1,279,837,000 | 480 |
Average equity | $126,387,000 | 573 |
Average total loans | $956,687,330 | 440 |
2013-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9606% | 4,263 |
Cost of funding earning assets | 0.2743% | 6,136 |
Net interest margin | 3.6862% | 2,911 |
Noninterest income to average assets | 0.9877% | 1,495 |
Noninterest expense to average assets | 2.8678% | 3,470 |
Loan and lease loss provision to assets | 0.1728% | 2,135 |
Net operating income to assets | 0.8972% | 2,675 |
Return on assets (ROA) | 0.8993% | 2,806 |
Pretax return on assets | 1.3409% | 2,070 |
Return on Equity (ROE) | 9.8774% | 2,107 |
Retained earnings to average equity (ytd only) | 6.7136% | 2,308 |
Net charge-offs to loans | 0.2034% | 2,199 |
Credit loss provision to net charge-offs | 125.2610% | 1,548 |
Earnings coverage of net charge-offs (x) | 10.9478% | 1,695 |
Efficiency ratio | 65.5000% | 4,745 |
Assets per employee ($millions) | 5.0670% | 2,135 |
Cash dividends to net income (ytd only)* | 32.0307% | 2,044 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5984% | 3,404 |
Loan loss allowance to noncurrent loans | 113.8089% | 3,016 |
Noncurrent assets plus other real estate owned to assets | 1.6603% | 2,786 |
Noncurrent loans to loans | 1.4045% | 3,459 |
Net loans and leases to total assets | 67.2330% | 2,150 |
Net loans and leases to deposits | 76.4098% | 2,568 |
Net loans and leases to core deposits | 77.9364% | 3,073 |
Total domestic deposits to total assets | 87.9900% | 2,316 |
Equity capital to assets | 9.2071% | 5,245 |
Core capital (leverage) ratio | 9.1064% | 4,710 |
Tier 1 risk-based capital ratio | 11.6138% | 6,125 |
Total risk-based capital ratio | 12.8656% | 6,094 |
Memoranda: | ||
Average total assets | $1,388,658,000 | 488 |
Average earning assets | $1,277,294,000 | 481 |
Average equity | $126,430,000 | 579 |
Average total loans | $941,829,500 | 446 |
2012-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4531% | 3,601 |
Cost of funding earning assets | 0.3737% | 6,083 |
Net interest margin | 4.0794% | 2,085 |
Noninterest income to average assets | 1.0062% | 1,520 |
Noninterest expense to average assets | 2.9352% | 3,518 |
Loan and lease loss provision to assets | 0.5645% | 1,008 |
Net operating income to assets | 0.8403% | 3,092 |
Return on assets (ROA) | 0.8567% | 3,260 |
Pretax return on assets | 1.2731% | 2,507 |
Return on Equity (ROE) | 9.2904% | 2,491 |
Retained earnings to average equity (ytd only) | 4.4187% | 3,120 |
Net charge-offs to loans | 0.9673% | 1,138 |
Credit loss provision to net charge-offs | 83.6848% | 3,705 |
Earnings coverage of net charge-offs (x) | 2.6877% | 4,087 |
Efficiency ratio | 61.8064% | 5,265 |
Assets per employee ($millions) | 5.0508% | 2,165 |
Cash dividends to net income (ytd only)* | 52.4384% | 2,205 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5968% | 3,330 |
Loan loss allowance to noncurrent loans | 116.7680% | 2,922 |
Noncurrent assets plus other real estate owned to assets | 1.6262% | 2,961 |
Noncurrent loans to loans | 1.3675% | 3,548 |
Net loans and leases to total assets | 66.2498% | 2,490 |
Net loans and leases to deposits | 75.0709% | 2,954 |
Net loans and leases to core deposits | 76.5745% | 3,450 |
Total domestic deposits to total assets | 88.2496% | 2,065 |
Equity capital to assets | 9.0026% | 5,519 |
Core capital (leverage) ratio | 8.9894% | 4,913 |
Tier 1 risk-based capital ratio | 11.6542% | 5,991 |
Total risk-based capital ratio | 12.9065% | 5,955 |
Memoranda: | ||
Average total assets | $1,335,605,400 | 498 |
Average earning assets | $1,225,186,200 | 491 |
Average equity | $123,159,000 | 584 |
Average total loans | $931,428,800 | 446 |
2012-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5295% | 3,517 |
Cost of funding earning assets | 0.3944% | 6,153 |
Net interest margin | 4.1351% | 1,952 |
Noninterest income to average assets | 0.9645% | 1,621 |
Noninterest expense to average assets | 2.9663% | 3,350 |
Loan and lease loss provision to assets | 0.5809% | 982 |
Net operating income to assets | 0.8177% | 3,359 |
Return on assets (ROA) | 0.8374% | 3,519 |
Pretax return on assets | 1.2441% | 2,808 |
Return on Equity (ROE) | 9.0251% | 2,788 |
Retained earnings to average equity (ytd only) | 5.4899% | 3,043 |
Net charge-offs to loans | 0.6114% | 1,797 |
Credit loss provision to net charge-offs | 134.9988% | 2,135 |
Earnings coverage of net charge-offs (x) | 4.1729% | 3,378 |
Efficiency ratio | 62.2854% | 5,105 |
Assets per employee ($millions) | 4.9704% | 2,225 |
Cash dividends to net income (ytd only)* | 39.1708% | 2,219 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8648% | 2,601 |
Loan loss allowance to noncurrent loans | 138.2210% | 2,440 |
Noncurrent assets plus other real estate owned to assets | 1.8020% | 2,907 |
Noncurrent loans to loans | 1.3491% | 3,770 |
Net loans and leases to total assets | 68.8497% | 2,142 |
Net loans and leases to deposits | 78.7562% | 2,562 |
Net loans and leases to core deposits | 80.3511% | 3,159 |
Total domestic deposits to total assets | 87.4213% | 2,408 |
Equity capital to assets | 9.1755% | 5,620 |
Core capital (leverage) ratio | 9.2068% | 4,750 |
Tier 1 risk-based capital ratio | 11.3934% | 6,302 |
Total risk-based capital ratio | 12.6488% | 6,250 |
Memoranda: | ||
Average total assets | $1,320,999,500 | 505 |
Average earning assets | $1,213,053,250 | 497 |
Average equity | $122,574,000 | 587 |
Average total loans | $929,654,250 | 444 |
2012-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5970% | 3,373 |
Cost of funding earning assets | 0.4172% | 6,179 |
Net interest margin | 4.1798% | 1,803 |
Noninterest income to average assets | 0.8109% | 2,132 |
Noninterest expense to average assets | 3.0485% | 3,093 |
Loan and lease loss provision to assets | 0.6089% | 969 |
Net operating income to assets | 0.6858% | 3,943 |
Return on assets (ROA) | 0.6923% | 4,171 |
Pretax return on assets | 0.9977% | 3,718 |
Return on Equity (ROE) | 7.4320% | 3,556 |
Retained earnings to average equity (ytd only) | 4.1392% | 3,857 |
Net charge-offs to loans | 0.7395% | 1,496 |
Credit loss provision to net charge-offs | 116.8678% | 2,358 |
Earnings coverage of net charge-offs (x) | 3.0656% | 3,521 |
Efficiency ratio | 65.6102% | 4,599 |
Assets per employee ($millions) | 4.6211% | 2,684 |
Cash dividends to net income (ytd only)* | 44.3066% | 1,979 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8095% | 2,821 |
Loan loss allowance to noncurrent loans | 127.8934% | 2,564 |
Noncurrent assets plus other real estate owned to assets | 1.9469% | 2,850 |
Noncurrent loans to loans | 1.4149% | 3,790 |
Net loans and leases to total assets | 70.9076% | 1,748 |
Net loans and leases to deposits | 82.0669% | 2,100 |
Net loans and leases to core deposits | 83.9797% | 2,694 |
Total domestic deposits to total assets | 86.4022% | 3,139 |
Equity capital to assets | 9.4292% | 5,161 |
Core capital (leverage) ratio | 9.2074% | 4,601 |
Tier 1 risk-based capital ratio | 11.6628% | 6,131 |
Total risk-based capital ratio | 12.9180% | 6,107 |
Memoranda: | ||
Average total assets | $1,304,051,670 | 516 |
Average earning assets | $1,196,424,330 | 506 |
Average equity | $121,474,000 | 591 |
Average total loans | $918,719,670 | 454 |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5937% | 3,535 |
Cost of funding earning assets | 0.4318% | 6,245 |
Net interest margin | 4.1619% | 1,889 |
Noninterest income to average assets | 1.1030% | 1,161 |
Noninterest expense to average assets | 3.1298% | 2,819 |
Loan and lease loss provision to assets | 0.5473% | 1,078 |
Net operating income to assets | 0.8304% | 3,251 |
Return on assets (ROA) | 0.8350% | 3,456 |
Pretax return on assets | 1.2422% | 2,757 |
Return on Equity (ROE) | 9.0186% | 2,822 |
Retained earnings to average equity (ytd only) | 6.5346% | 2,662 |
Net charge-offs to loans | 0.3107% | 2,410 |
Credit loss provision to net charge-offs | 253.1915% | 1,130 |
Earnings coverage of net charge-offs (x) | 8.2468% | 1,982 |
Efficiency ratio | 63.7039% | 4,979 |
Assets per employee ($millions) | 4.6097% | 2,792 |
Cash dividends to net income (ytd only)* | 27.5432% | 2,154 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9168% | 2,630 |
Loan loss allowance to noncurrent loans | 106.8552% | 2,892 |
Noncurrent assets plus other real estate owned to assets | 2.3139% | 2,565 |
Noncurrent loans to loans | 1.7938% | 3,421 |
Net loans and leases to total assets | 68.0644% | 2,101 |
Net loans and leases to deposits | 78.3090% | 2,450 |
Net loans and leases to core deposits | 80.2646% | 3,045 |
Total domestic deposits to total assets | 86.9177% | 3,005 |
Equity capital to assets | 9.2368% | 5,178 |
Core capital (leverage) ratio | 9.2587% | 4,428 |
Tier 1 risk-based capital ratio | 11.7947% | 6,089 |
Total risk-based capital ratio | 13.0508% | 6,066 |
Memoranda: | ||
Average total assets | $1,304,498,000 | 515 |
Average earning assets | $1,194,074,000 | 505 |
Average equity | $120,772,000 | 591 |
Average total loans | $907,545,500 | 457 |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8300% | 3,666 |
Cost of funding earning assets | 0.5800% | 6,188 |
Net interest margin | 4.2500% | 1,883 |
Noninterest income to average assets | 0.9913% | 1,392 |
Noninterest expense to average assets | 3.1958% | 2,883 |
Loan and lease loss provision to assets | 0.5828% | 1,774 |
Net operating income to assets | 0.7428% | 3,282 |
Return on assets (ROA) | 0.7502% | 3,426 |
Pretax return on assets | 1.1043% | 2,819 |
Return on Equity (ROE) | 8.2748% | 2,773 |
Retained earnings to average equity (ytd only) | 5.6816% | 2,182 |
Net charge-offs to loans | 1.0258% | 1,703 |
Credit loss provision to net charge-offs | 80.4348% | 4,431 |
Earnings coverage of net charge-offs (x) | 2.3133% | 4,060 |
Efficiency ratio | 65.5830% | 4,850 |
Assets per employee ($millions) | 4.2878% | 3,282 |
Cash dividends to net income (ytd only)* | 31.3381% | 3,060 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8280% | 2,779 |
Loan loss allowance to noncurrent loans | 94.9239% | 3,178 |
Noncurrent assets plus other real estate owned to assets | 2.4238% | 2,510 |
Noncurrent loans to loans | 1.9257% | 3,302 |
Net loans and leases to total assets | 68.4752% | 2,312 |
Net loans and leases to deposits | 79.1834% | 2,658 |
Net loans and leases to core deposits | 81.3402% | 3,272 |
Total domestic deposits to total assets | 86.4767% | 3,041 |
Equity capital to assets | 9.2799% | 5,172 |
Core capital (leverage) ratio | 9.0734% | 4,662 |
Tier 1 risk-based capital ratio | 11.9184% | 5,884 |
Total risk-based capital ratio | 13.1738% | 5,861 |
Memoranda: | ||
Average total assets | $1,275,977,800 | 514 |
Average earning assets | $1,165,126,600 | 506 |
Average equity | $115,689,200 | 597 |
Average total loans | $901,360,400 | 466 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8571% | 3,747 |
Cost of funding earning assets | 0.6152% | 6,213 |
Net interest margin | 4.2418% | 1,942 |
Noninterest income to average assets | 1.0537% | 1,209 |
Noninterest expense to average assets | 3.2000% | 2,837 |
Loan and lease loss provision to assets | 0.5924% | 1,663 |
Net operating income to assets | 0.7661% | 3,315 |
Return on assets (ROA) | 0.7768% | 3,433 |
Pretax return on assets | 1.1498% | 2,823 |
Return on Equity (ROE) | 8.6194% | 2,773 |
Retained earnings to average equity (ytd only) | 6.0032% | 2,553 |
Net charge-offs to loans | 0.8368% | 1,903 |
Credit loss provision to net charge-offs | 99.8940% | 3,424 |
Earnings coverage of net charge-offs (x) | 2.9111% | 3,687 |
Efficiency ratio | 64.9458% | 4,903 |
Assets per employee ($millions) | 4.3520% | 3,176 |
Cash dividends to net income (ytd only)* | 30.3521% | 2,459 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0251% | 2,266 |
Loan loss allowance to noncurrent loans | 82.6087% | 3,470 |
Noncurrent assets plus other real estate owned to assets | 2.8250% | 2,298 |
Noncurrent loans to loans | 2.4515% | 2,821 |
Net loans and leases to total assets | 68.5749% | 2,362 |
Net loans and leases to deposits | 78.4442% | 2,896 |
Net loans and leases to core deposits | 81.7500% | 3,361 |
Total domestic deposits to total assets | 87.4187% | 2,397 |
Equity capital to assets | 9.2170% | 5,484 |
Core capital (leverage) ratio | 9.0740% | 4,817 |
Tier 1 risk-based capital ratio | 11.8991% | 5,961 |
Total risk-based capital ratio | 13.1569% | 5,942 |
Memoranda: | ||
Average total assets | $1,272,313,500 | 518 |
Average earning assets | $1,161,579,250 | 508 |
Average equity | $114,669,000 | 606 |
Average total loans | $901,645,250 | 467 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8788% | 3,714 |
Cost of funding earning assets | 0.6601% | 6,170 |
Net interest margin | 4.2188% | 1,961 |
Noninterest income to average assets | 1.0713% | 1,148 |
Noninterest expense to average assets | 3.2555% | 2,715 |
Loan and lease loss provision to assets | 0.6106% | 1,570 |
Net operating income to assets | 0.7206% | 3,440 |
Return on assets (ROA) | 0.7256% | 3,532 |
Pretax return on assets | 1.0634% | 2,997 |
Return on Equity (ROE) | 8.1137% | 2,897 |
Retained earnings to average equity (ytd only) | 5.4662% | 2,708 |
Net charge-offs to loans | 0.4727% | 2,685 |
Credit loss provision to net charge-offs | 181.5110% | 1,659 |
Earnings coverage of net charge-offs (x) | 4.9545% | 2,729 |
Efficiency ratio | 66.1311% | 4,849 |
Assets per employee ($millions) | 4.1244% | 3,500 |
Cash dividends to net income (ytd only)* | 32.6300% | 2,365 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.2237% | 1,875 |
Loan loss allowance to noncurrent loans | 91.9463% | 3,115 |
Noncurrent assets plus other real estate owned to assets | 2.7453% | 2,435 |
Noncurrent loans to loans | 2.4185% | 2,969 |
Net loans and leases to total assets | 70.3759% | 2,141 |
Net loans and leases to deposits | 82.9948% | 2,279 |
Net loans and leases to core deposits | 85.6789% | 2,961 |
Total domestic deposits to total assets | 84.7955% | 3,972 |
Equity capital to assets | 9.2779% | 5,174 |
Core capital (leverage) ratio | 9.0158% | 4,694 |
Tier 1 risk-based capital ratio | 11.7349% | 5,986 |
Total risk-based capital ratio | 12.9952% | 5,980 |
Memoranda: | ||
Average total assets | $1,267,025,000 | 523 |
Average earning assets | $1,156,502,670 | 517 |
Average equity | $113,314,670 | 614 |
Average total loans | $901,651,670 | 474 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8022% | 4,049 |
Cost of funding earning assets | 0.7019% | 6,124 |
Net interest margin | 4.1003% | 2,268 |
Noninterest income to average assets | 1.0535% | 1,187 |
Noninterest expense to average assets | 3.2180% | 2,827 |
Loan and lease loss provision to assets | 0.6534% | 1,321 |
Net operating income to assets | 0.6477% | 3,761 |
Return on assets (ROA) | 0.6578% | 3,787 |
Pretax return on assets | 0.9501% | 3,319 |
Return on Equity (ROE) | 7.4929% | 3,151 |
Retained earnings to average equity (ytd only) | 4.8143% | 3,295 |
Net charge-offs to loans | 0.3660% | 2,602 |
Credit loss provision to net charge-offs | 252.3002% | 1,233 |
Earnings coverage of net charge-offs (x) | 6.1344% | 2,152 |
Efficiency ratio | 66.9341% | 4,863 |
Assets per employee ($millions) | 4.1417% | 3,561 |
Cash dividends to net income (ytd only)* | 35.7483% | 1,849 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1660% | 2,039 |
Loan loss allowance to noncurrent loans | 84.7653% | 3,359 |
Noncurrent assets plus other real estate owned to assets | 2.6530% | 2,592 |
Noncurrent loans to loans | 2.5552% | 2,933 |
Net loans and leases to total assets | 69.8113% | 2,168 |
Net loans and leases to deposits | 81.0355% | 2,518 |
Net loans and leases to core deposits | 84.1516% | 3,144 |
Total domestic deposits to total assets | 86.1491% | 3,436 |
Equity capital to assets | 8.9186% | 5,324 |
Core capital (leverage) ratio | 8.7682% | 4,974 |
Tier 1 risk-based capital ratio | 11.5827% | 6,036 |
Total risk-based capital ratio | 12.8424% | 6,016 |
Memoranda: | ||
Average total assets | $1,275,697,500 | 524 |
Average earning assets | $1,167,714,000 | 519 |
Average equity | $112,000,000 | 616 |
Average total loans | $902,740,000 | 483 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9445% | 4,809 |
Cost of funding earning assets | 0.9715% | 5,830 |
Net interest margin | 3.9730% | 3,133 |
Noninterest income to average assets | 0.8749% | 1,950 |
Noninterest expense to average assets | 3.2577% | 2,882 |
Loan and lease loss provision to assets | 0.7772% | 2,112 |
Net operating income to assets | 0.3569% | 4,717 |
Return on assets (ROA) | 0.3617% | 4,861 |
Pretax return on assets | 0.4599% | 4,764 |
Return on Equity (ROE) | 4.2420% | 4,416 |
Retained earnings to average equity (ytd only) | 4.2420% | 2,873 |
Net charge-offs to loans | 1.1844% | 1,883 |
Credit loss provision to net charge-offs | 91.4831% | 5,063 |
Earnings coverage of net charge-offs (x) | 1.4491% | 4,667 |
Efficiency ratio | 72.5603% | 3,692 |
Assets per employee ($millions) | 4.1823% | 3,414 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0203% | 2,253 |
Loan loss allowance to noncurrent loans | 67.1458% | 4,046 |
Noncurrent assets plus other real estate owned to assets | 2.9423% | 2,389 |
Noncurrent loans to loans | 3.0088% | 2,543 |
Net loans and leases to total assets | 68.7655% | 2,795 |
Net loans and leases to deposits | 81.8742% | 2,834 |
Net loans and leases to core deposits | 84.9537% | 3,468 |
Total domestic deposits to total assets | 83.9893% | 4,369 |
Equity capital to assets | 8.6432% | 5,665 |
Core capital (leverage) ratio | 8.6155% | 5,170 |
Tier 1 risk-based capital ratio | 11.5825% | 5,840 |
Total risk-based capital ratio | 12.8410% | 5,844 |
Memoranda: | ||
Average total assets | $1,277,007,800 | 530 |
Average earning assets | $1,161,588,600 | 524 |
Average equity | $108,886,400 | 617 |
Average total loans | $916,012,800 | 491 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9689% | 4,956 |
Cost of funding earning assets | 1.0180% | 5,852 |
Net interest margin | 3.9509% | 3,319 |
Noninterest income to average assets | 0.8089% | 2,194 |
Noninterest expense to average assets | 3.1875% | 2,969 |
Loan and lease loss provision to assets | 0.7788% | 1,959 |
Net operating income to assets | 0.3401% | 5,006 |
Return on assets (ROA) | 0.3541% | 5,126 |
Pretax return on assets | 0.4471% | 5,085 |
Return on Equity (ROE) | 4.1671% | 4,691 |
Retained earnings to average equity (ytd only) | 4.1671% | 3,542 |
Net charge-offs to loans | 1.1991% | 1,700 |
Credit loss provision to net charge-offs | 90.0544% | 4,761 |
Earnings coverage of net charge-offs (x) | 1.3971% | 4,687 |
Efficiency ratio | 72.4994% | 3,610 |
Assets per employee ($millions) | 4.2070% | 3,438 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0116% | 2,186 |
Loan loss allowance to noncurrent loans | 67.9580% | 3,923 |
Noncurrent assets plus other real estate owned to assets | 3.0783% | 2,354 |
Noncurrent loans to loans | 2.9600% | 2,694 |
Net loans and leases to total assets | 70.4197% | 2,634 |
Net loans and leases to deposits | 83.8849% | 2,724 |
Net loans and leases to core deposits | 86.2740% | 3,613 |
Total domestic deposits to total assets | 83.9480% | 4,159 |
Equity capital to assets | 8.7807% | 5,889 |
Core capital (leverage) ratio | 8.5830% | 5,371 |
Tier 1 risk-based capital ratio | 11.4044% | 6,018 |
Total risk-based capital ratio | 12.6629% | 5,999 |
Memoranda: | ||
Average total assets | $1,274,219,000 | 524 |
Average earning assets | $1,156,794,500 | 522 |
Average equity | $108,273,500 | 610 |
Average total loans | $918,996,750 | 487 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9607% | 5,131 |
Cost of funding earning assets | 1.0601% | 5,873 |
Net interest margin | 3.9007% | 3,443 |
Noninterest income to average assets | 0.7027% | 2,689 |
Noninterest expense to average assets | 3.1840% | 2,964 |
Loan and lease loss provision to assets | 0.7781% | 1,851 |
Net operating income to assets | 0.2486% | 5,380 |
Return on assets (ROA) | 0.2550% | 5,496 |
Pretax return on assets | 0.2829% | 5,553 |
Return on Equity (ROE) | 3.0342% | 5,208 |
Retained earnings to average equity (ytd only) | 3.0342% | 4,179 |
Net charge-offs to loans | 1.4365% | 1,330 |
Credit loss provision to net charge-offs | 75.0113% | 4,837 |
Earnings coverage of net charge-offs (x) | 1.0160% | 4,774 |
Efficiency ratio | 75.1166% | 3,241 |
Assets per employee ($millions) | 4.0060% | 3,760 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9221% | 2,365 |
Loan loss allowance to noncurrent loans | 58.2282% | 4,451 |
Noncurrent assets plus other real estate owned to assets | 3.6683% | 1,907 |
Noncurrent loans to loans | 3.3010% | 2,429 |
Net loans and leases to total assets | 72.0523% | 2,383 |
Net loans and leases to deposits | 85.6074% | 2,573 |
Net loans and leases to core deposits | 90.8629% | 3,147 |
Total domestic deposits to total assets | 84.1660% | 4,029 |
Equity capital to assets | 8.7827% | 5,777 |
Core capital (leverage) ratio | 8.5384% | 5,346 |
Tier 1 risk-based capital ratio | 11.0646% | 6,168 |
Total risk-based capital ratio | 12.3217% | 6,153 |
Memoranda: | ||
Average total assets | $1,275,452,670 | 524 |
Average earning assets | $1,155,958,670 | 523 |
Average equity | $107,178,000 | 610 |
Average total loans | $920,975,000 | 487 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8789% | 5,564 |
Cost of funding earning assets | 1.1158% | 5,828 |
Net interest margin | 3.7631% | 3,947 |
Noninterest income to average assets | 0.7398% | 2,359 |
Noninterest expense to average assets | 3.3019% | 2,527 |
Loan and lease loss provision to assets | 0.7683% | 1,649 |
Net operating income to assets | 0.1210% | 5,964 |
Return on assets (ROA) | 0.1226% | 6,072 |
Pretax return on assets | 0.0672% | 6,214 |
Return on Equity (ROE) | 1.4911% | 5,964 |
Retained earnings to average equity (ytd only) | 1.4911% | 5,200 |
Net charge-offs to loans | 1.2926% | 1,323 |
Credit loss provision to net charge-offs | 83.0100% | 3,812 |
Earnings coverage of net charge-offs (x) | 0.9010% | 4,239 |
Efficiency ratio | 79.8219% | 2,594 |
Assets per employee ($millions) | 4.0364% | 3,789 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0310% | 2,103 |
Loan loss allowance to noncurrent loans | 57.4663% | 4,504 |
Noncurrent assets plus other real estate owned to assets | 3.7298% | 1,864 |
Noncurrent loans to loans | 3.5342% | 2,258 |
Net loans and leases to total assets | 71.5512% | 2,560 |
Net loans and leases to deposits | 85.4471% | 2,692 |
Net loans and leases to core deposits | 91.8505% | 3,125 |
Total domestic deposits to total assets | 83.7374% | 4,271 |
Equity capital to assets | 8.4639% | 6,053 |
Core capital (leverage) ratio | 8.3066% | 5,727 |
Tier 1 risk-based capital ratio | 10.8042% | 6,340 |
Total risk-based capital ratio | 12.0625% | 6,315 |
Memoranda: | ||
Average total assets | $1,292,242,500 | 534 |
Average earning assets | $1,166,176,000 | 532 |
Average equity | $106,232,000 | 620 |
Average total loans | $925,295,500 | 508 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1682% | 5,798 |
Cost of funding earning assets | 1.3858% | 5,991 |
Net interest margin | 3.7824% | 3,783 |
Noninterest income to average assets | 0.6338% | 3,399 |
Noninterest expense to average assets | 3.0829% | 3,824 |
Loan and lease loss provision to assets | 1.2967% | 1,783 |
Net operating income to assets | -0.1338% | 5,730 |
Return on assets (ROA) | 0.0034% | 5,530 |
Pretax return on assets | -0.1002% | 5,601 |
Return on Equity (ROE) | 0.0415% | 5,523 |
Retained earnings to average equity (ytd only) | -1.2489% | 5,328 |
Net charge-offs to loans | 1.3230% | 1,887 |
Credit loss provision to net charge-offs | 135.1404% | 3,671 |
Earnings coverage of net charge-offs (x) | 1.0236% | 5,090 |
Efficiency ratio | 75.8203% | 3,558 |
Assets per employee ($millions) | 4.1802% | 3,479 |
Cash dividends to net income (ytd only)* | 3,111.1111% | 9 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0615% | 1,884 |
Loan loss allowance to noncurrent loans | 59.4271% | 4,422 |
Noncurrent assets plus other real estate owned to assets | 3.6905% | 1,806 |
Noncurrent loans to loans | 3.4689% | 2,190 |
Net loans and leases to total assets | 68.7962% | 3,531 |
Net loans and leases to deposits | 84.8039% | 3,119 |
Net loans and leases to core deposits | 93.3757% | 4,743 |
Total domestic deposits to total assets | 81.1238% | 5,306 |
Equity capital to assets | 7.9897% | 6,597 |
Core capital (leverage) ratio | 7.9233% | 6,295 |
Tier 1 risk-based capital ratio | 10.6843% | 6,223 |
Total risk-based capital ratio | 11.9429% | 6,190 |
Memoranda: | ||
Average total assets | $1,332,251,400 | 508 |
Average earning assets | $1,208,572,600 | 506 |
Average equity | $108,494,000 | 602 |
Average total loans | $966,180,400 | 491 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3312% | 5,268 |
Cost of funding earning assets | 1.4335% | 6,110 |
Net interest margin | 3.8977% | 3,242 |
Noninterest income to average assets | 0.9959% | 1,619 |
Noninterest expense to average assets | 3.4422% | 2,442 |
Loan and lease loss provision to assets | 1.2545% | 1,537 |
Net operating income to assets | -0.1049% | 5,898 |
Return on assets (ROA) | 0.0513% | 5,636 |
Pretax return on assets | 0.0238% | 5,662 |
Return on Equity (ROE) | 0.5975% | 5,615 |
Retained earnings to average equity (ytd only) | -0.7920% | 5,435 |
Net charge-offs to loans | 1.2144% | 1,677 |
Credit loss provision to net charge-offs | 134.6704% | 3,690 |
Earnings coverage of net charge-offs (x) | 1.2046% | 4,862 |
Efficiency ratio | 75.4148% | 3,605 |
Assets per employee ($millions) | 5.1377% | 1,981 |
Cash dividends to net income (ytd only)* | 232.5591% | 155 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8669% | 2,109 |
Loan loss allowance to noncurrent loans | 42.3108% | 5,495 |
Noncurrent assets plus other real estate owned to assets | 4.1634% | 1,511 |
Noncurrent loans to loans | 4.4123% | 1,595 |
Net loans and leases to total assets | 69.4076% | 3,629 |
Net loans and leases to deposits | 87.6986% | 3,022 |
Net loans and leases to core deposits | 99.1832% | 4,460 |
Total domestic deposits to total assets | 79.1434% | 5,752 |
Equity capital to assets | 8.1339% | 6,710 |
Core capital (leverage) ratio | 8.1832% | 6,048 |
Tier 1 risk-based capital ratio | 10.4017% | 6,570 |
Total risk-based capital ratio | 11.6576% | 6,509 |
Memoranda: | ||
Average total assets | $670,836,750 | 1,039 |
Average earning assets | $614,154,000 | 1,031 |
Average equity | $57,573,250 | 1,167 |
Average total loans | $514,598,250 | 942 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.4407% | 4,935 |
Cost of funding earning assets | 1.4542% | 6,312 |
Net interest margin | 3.9865% | 2,761 |
Noninterest income to average assets | 0.9360% | 1,814 |
Noninterest expense to average assets | 3.5543% | 2,181 |
Loan and lease loss provision to assets | 1.1752% | 1,462 |
Net operating income to assets | -0.1182% | 6,045 |
Return on assets (ROA) | 0.0473% | 5,802 |
Pretax return on assets | 0.0173% | 5,829 |
Return on Equity (ROE) | 0.5409% | 5,772 |
Retained earnings to average equity (ytd only) | -0.4993% | 5,347 |
Net charge-offs to loans | 1.2953% | 1,429 |
Credit loss provision to net charge-offs | 115.0787% | 4,024 |
Earnings coverage of net charge-offs (x) | 1.0056% | 4,780 |
Efficiency ratio | 77.5837% | 3,407 |
Assets per employee ($millions) | 4.6110% | 2,585 |
Cash dividends to net income (ytd only)* | 192.3077% | 241 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5851% | 2,807 |
Loan loss allowance to noncurrent loans | 57.3623% | 4,594 |
Noncurrent assets plus other real estate owned to assets | 3.2610% | 1,914 |
Noncurrent loans to loans | 2.7633% | 2,606 |
Net loans and leases to total assets | 74.9007% | 2,467 |
Net loans and leases to deposits | 94.9152% | 1,969 |
Net loans and leases to core deposits | 105.6624% | 3,875 |
Total domestic deposits to total assets | 78.9133% | 5,838 |
Equity capital to assets | 8.4378% | 6,145 |
Core capital (leverage) ratio | 8.5501% | 5,359 |
Tier 1 risk-based capital ratio | 10.2236% | 6,684 |
Total risk-based capital ratio | 11.4783% | 6,609 |
Memoranda: | ||
Average total assets | $659,826,330 | 1,081 |
Average earning assets | $603,342,000 | 1,067 |
Average equity | $57,680,330 | 1,172 |
Average total loans | $520,187,000 | 953 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.5700% | 4,524 |
Cost of funding earning assets | 1.4695% | 6,507 |
Net interest margin | 4.1005% | 2,264 |
Noninterest income to average assets | 0.8469% | 2,093 |
Noninterest expense to average assets | 3.4080% | 2,333 |
Loan and lease loss provision to assets | 1.1788% | 1,098 |
Net operating income to assets | 0.0449% | 6,144 |
Return on assets (ROA) | 0.0381% | 6,315 |
Pretax return on assets | 0.0025% | 6,371 |
Return on Equity (ROE) | 0.4281% | 6,298 |
Retained earnings to average equity (ytd only) | 0.4281% | 5,488 |
Net charge-offs to loans | 1.3439% | 1,050 |
Credit loss provision to net charge-offs | 109.2877% | 3,522 |
Earnings coverage of net charge-offs (x) | 1.1014% | 4,200 |
Efficiency ratio | 74.1508% | 3,798 |
Assets per employee ($millions) | 4.3355% | 3,006 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5204% | 2,863 |
Loan loss allowance to noncurrent loans | 51.9743% | 5,087 |
Noncurrent assets plus other real estate owned to assets | 3.6575% | 1,448 |
Noncurrent loans to loans | 2.9252% | 2,234 |
Net loans and leases to total assets | 77.4910% | 1,933 |
Net loans and leases to deposits | 96.3196% | 1,897 |
Net loans and leases to core deposits | 106.4807% | 3,855 |
Total domestic deposits to total assets | 80.4519% | 5,193 |
Equity capital to assets | 8.8607% | 5,540 |
Core capital (leverage) ratio | 8.8355% | 4,927 |
Tier 1 risk-based capital ratio | 10.2152% | 6,699 |
Total risk-based capital ratio | 11.4679% | 6,610 |
Memoranda: | ||
Average total assets | $650,829,000 | 1,092 |
Average earning assets | $595,045,000 | 1,082 |
Average equity | $57,924,000 | 1,173 |
Average total loans | $522,345,500 | 954 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.3087% | 3,917 |
Cost of funding earning assets | 1.8472% | 6,874 |
Net interest margin | 4.4615% | 1,509 |
Noninterest income to average assets | 1.2780% | 900 |
Noninterest expense to average assets | 3.6029% | 2,136 |
Loan and lease loss provision to assets | 1.2118% | 1,186 |
Net operating income to assets | 0.3926% | 5,184 |
Return on assets (ROA) | 0.3034% | 5,351 |
Pretax return on assets | 0.4361% | 5,166 |
Return on Equity (ROE) | 3.4257% | 5,072 |
Retained earnings to average equity (ytd only) | 1.1575% | 4,534 |
Net charge-offs to loans | 1.1755% | 1,029 |
Credit loss provision to net charge-offs | 124.9589% | 4,283 |
Earnings coverage of net charge-offs (x) | 1.8306% | 5,158 |
Efficiency ratio | 66.9908% | 4,910 |
Assets per employee ($millions) | 4.0692% | 3,373 |
Cash dividends to net income (ytd only)* | 66.2112% | 2,366 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4482% | 2,934 |
Loan loss allowance to noncurrent loans | 74.7393% | 4,340 |
Noncurrent assets plus other real estate owned to assets | 2.7560% | 1,715 |
Noncurrent loans to loans | 1.9377% | 2,848 |
Net loans and leases to total assets | 80.6629% | 1,513 |
Net loans and leases to deposits | 102.3549% | 1,548 |
Net loans and leases to core deposits | 111.2071% | 3,652 |
Total domestic deposits to total assets | 78.8071% | 5,448 |
Equity capital to assets | 8.9398% | 5,445 |
Core capital (leverage) ratio | 8.7398% | 5,132 |
Tier 1 risk-based capital ratio | 9.8137% | 6,944 |
Total risk-based capital ratio | 11.0648% | 6,829 |
Memoranda: | ||
Average total assets | $627,166,600 | 1,071 |
Average earning assets | $576,378,800 | 1,072 |
Average equity | $55,550,800 | 1,212 |
Average total loans | $517,398,000 | 918 |