Home > Capital Bank > Performance and Condition Ratios
Capital Bank, Performance and Condition Ratios
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 | 3.5534% | 4,729 |
Cost of funding earning assets | 0.2076% | 5,075 |
Net interest margin | 3.3458% | 4,077 |
Noninterest income to average assets | 0.3482% | 4,289 |
Noninterest expense to average assets | 3.0772% | 2,121 |
Loan and lease loss provision to assets | 0.0000% | 4,017 |
Net operating income to assets | 0.4380% | 4,914 |
Return on assets (ROA) | 0.3145% | 5,370 |
Pretax return on assets | 0.3145% | 5,485 |
Return on Equity (ROE) | 2.3600% | 5,421 |
Retained earnings to average equity (ytd only) | 2.3600% | 4,374 |
Net charge-offs to loans | 0.0000% | 3,689 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 87.5399% | 750 |
Assets per employee ($millions) | 3.5393% | 4,687 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.3954% | 413 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.3814% | 3,965 |
Noncurrent loans to loans | 0.0000% | 5,521 |
Net loans and leases to total assets | 41.4460% | 5,360 |
Net loans and leases to deposits | 48.0762% | 5,418 |
Net loans and leases to core deposits | 48.8836% | 5,469 |
Total domestic deposits to total assets | 86.2091% | 2,325 |
Equity capital to assets | 13.5083% | 1,235 |
Core capital (leverage) ratio | 11.6475% | 1,872 |
Tier 1 risk-based capital ratio | 18.8857% | 1,714 |
Total risk-based capital ratio | 20.1382% | 1,683 |
Memoranda: | ||
Average total assets | $35,616,330 | 5,750 |
Average earning assets | $33,714,330 | 5,718 |
Average equity | $4,745,670 | 5,627 |
Average total loans | $17,080,330 | 5,735 |
2016-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6337% | 4,521 |
Cost of funding earning assets | 0.2012% | 5,192 |
Net interest margin | 3.4325% | 3,751 |
Noninterest income to average assets | 0.3471% | 4,250 |
Noninterest expense to average assets | 2.9669% | 2,493 |
Loan and lease loss provision to assets | 0.0000% | 3,656 |
Net operating income to assets | 0.6270% | 4,072 |
Return on assets (ROA) | 0.6046% | 4,276 |
Pretax return on assets | 0.6046% | 4,811 |
Return on Equity (ROE) | 4.5685% | 4,672 |
Retained earnings to average equity (ytd only) | 4.5685% | 3,196 |
Net charge-offs to loans | 0.0000% | 3,094 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 82.5545% | 1,315 |
Assets per employee ($millions) | 3.5904% | 4,668 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0493% | 754 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.8411% | 2,582 |
Noncurrent loans to loans | 0.0000% | 5,543 |
Net loans and leases to total assets | 47.9250% | 4,974 |
Net loans and leases to deposits | 55.3992% | 5,020 |
Net loans and leases to core deposits | 56.3130% | 5,120 |
Total domestic deposits to total assets | 86.5085% | 2,441 |
Equity capital to assets | 13.2019% | 1,317 |
Core capital (leverage) ratio | 11.7740% | 1,777 |
Tier 1 risk-based capital ratio | 16.9502% | 2,307 |
Total risk-based capital ratio | 18.1989% | 2,255 |
Memoranda: | ||
Average total assets | $35,728,000 | 5,804 |
Average earning assets | $33,795,000 | 5,767 |
Average equity | $4,728,000 | 5,674 |
Average total loans | $18,106,000 | 5,747 |
2015-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8305% | 3,949 |
Cost of funding earning assets | 0.2086% | 5,208 |
Net interest margin | 3.6219% | 3,050 |
Noninterest income to average assets | 0.4063% | 3,992 |
Noninterest expense to average assets | 3.1749% | 2,022 |
Loan and lease loss provision to assets | 0.0000% | 4,380 |
Net operating income to assets | 0.6622% | 3,986 |
Return on assets (ROA) | 0.5676% | 4,522 |
Pretax return on assets | 0.5676% | 4,939 |
Return on Equity (ROE) | 4.3846% | 4,790 |
Retained earnings to average equity (ytd only) | 4.3846% | 2,851 |
Net charge-offs to loans | 0.0567% | 3,086 |
Credit loss provision to net charge-offs | 0.0000% | 3,899 |
Earnings coverage of net charge-offs (x) | 23.8000% | 1,708 |
Efficiency ratio | 82.7411% | 1,303 |
Assets per employee ($millions) | 3.5552% | 4,713 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9308% | 908 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.8551% | 2,530 |
Noncurrent loans to loans | 0.0000% | 5,583 |
Net loans and leases to total assets | 51.4317% | 4,741 |
Net loans and leases to deposits | 59.4847% | 4,805 |
Net loans and leases to core deposits | 60.4763% | 4,949 |
Total domestic deposits to total assets | 86.4621% | 2,398 |
Equity capital to assets | 13.2651% | 1,227 |
Core capital (leverage) ratio | 11.5571% | 1,917 |
Tier 1 risk-based capital ratio | 16.0542% | 2,662 |
Total risk-based capital ratio | 17.3022% | 2,607 |
Memoranda: | ||
Average total assets | $35,938,400 | 5,852 |
Average earning assets | $34,042,600 | 5,809 |
Average equity | $4,652,600 | 5,729 |
Average total loans | $17,651,400 | 5,801 |
2015-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8519% | 3,927 |
Cost of funding earning assets | 0.2107% | 5,283 |
Net interest margin | 3.6411% | 2,988 |
Noninterest income to average assets | 0.4070% | 4,040 |
Noninterest expense to average assets | 3.0636% | 2,320 |
Loan and lease loss provision to assets | 0.0000% | 4,232 |
Net operating income to assets | 0.7955% | 3,449 |
Return on assets (ROA) | 0.7141% | 3,948 |
Pretax return on assets | 0.7141% | 4,639 |
Return on Equity (ROE) | 5.5498% | 4,380 |
Retained earnings to average equity (ytd only) | 5.5498% | 2,551 |
Net charge-offs to loans | 0.0000% | 4,182 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 79.3864% | 1,744 |
Assets per employee ($millions) | 3.5374% | 4,726 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1686% | 700 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.9018% | 2,618 |
Noncurrent loans to loans | 0.0000% | 5,684 |
Net loans and leases to total assets | 47.1872% | 5,140 |
Net loans and leases to deposits | 54.6258% | 5,213 |
Net loans and leases to core deposits | 55.5419% | 5,330 |
Total domestic deposits to total assets | 86.3827% | 2,335 |
Equity capital to assets | 13.3290% | 1,299 |
Core capital (leverage) ratio | 11.7000% | 1,888 |
Tier 1 risk-based capital ratio | 16.7868% | 2,441 |
Total risk-based capital ratio | 18.0387% | 2,407 |
Memoranda: | ||
Average total assets | $36,035,000 | 5,931 |
Average earning assets | $34,164,250 | 5,888 |
Average equity | $4,636,750 | 5,812 |
Average total loans | $17,403,000 | 5,884 |
2015-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8544% | 3,848 |
Cost of funding earning assets | 0.2209% | 5,244 |
Net interest margin | 3.6335% | 2,967 |
Noninterest income to average assets | 0.3806% | 4,229 |
Noninterest expense to average assets | 3.1940% | 1,998 |
Loan and lease loss provision to assets | 0.0000% | 4,069 |
Net operating income to assets | 0.6344% | 4,198 |
Return on assets (ROA) | 0.5958% | 4,459 |
Pretax return on assets | 0.5958% | 4,984 |
Return on Equity (ROE) | 4.6848% | 4,752 |
Retained earnings to average equity (ytd only) | 4.6848% | 3,060 |
Net charge-offs to loans | 0.0000% | 3,893 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 83.4294% | 1,324 |
Assets per employee ($millions) | 3.5293% | 4,736 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1296% | 816 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.9010% | 2,732 |
Noncurrent loans to loans | 0.0000% | 5,787 |
Net loans and leases to total assets | 48.1795% | 5,087 |
Net loans and leases to deposits | 55.6377% | 5,143 |
Net loans and leases to core deposits | 57.0374% | 5,251 |
Total domestic deposits to total assets | 86.5951% | 2,377 |
Equity capital to assets | 13.1527% | 1,322 |
Core capital (leverage) ratio | 11.3223% | 2,145 |
Tier 1 risk-based capital ratio | 16.0292% | 2,840 |
Total risk-based capital ratio | 17.2806% | 2,799 |
Memoranda: | ||
Average total assets | $36,255,330 | 5,987 |
Average earning assets | $34,402,330 | 5,948 |
Average equity | $4,610,670 | 5,878 |
Average total loans | $17,516,670 | 5,942 |
2015-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8201% | 3,924 |
Cost of funding earning assets | 0.2065% | 5,453 |
Net interest margin | 3.6136% | 2,950 |
Noninterest income to average assets | 0.3375% | 4,494 |
Noninterest expense to average assets | 2.7656% | 3,362 |
Loan and lease loss provision to assets | 0.0000% | 3,703 |
Net operating income to assets | 1.0017% | 2,264 |
Return on assets (ROA) | 0.9473% | 2,663 |
Pretax return on assets | 0.9473% | 3,708 |
Return on Equity (ROE) | 7.5734% | 3,181 |
Retained earnings to average equity (ytd only) | 7.5734% | 1,731 |
Net charge-offs to loans | 0.0000% | 3,288 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 73.4104% | 2,921 |
Assets per employee ($millions) | 3.6775% | 4,561 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1240% | 891 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.8674% | 2,909 |
Noncurrent loans to loans | 0.0000% | 5,830 |
Net loans and leases to total assets | 46.3630% | 5,179 |
Net loans and leases to deposits | 53.3029% | 5,247 |
Net loans and leases to core deposits | 54.5845% | 5,339 |
Total domestic deposits to total assets | 86.9803% | 2,379 |
Equity capital to assets | 12.8212% | 1,501 |
Core capital (leverage) ratio | 10.9790% | 2,432 |
Tier 1 risk-based capital ratio | 15.5757% | 3,116 |
Total risk-based capital ratio | 16.8251% | 3,052 |
Memoranda: | ||
Average total assets | $36,736,500 | 6,035 |
Average earning assets | $34,868,500 | 5,994 |
Average equity | $4,595,000 | 5,929 |
Average total loans | $17,588,000 | 5,992 |
2014-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9757% | 3,810 |
Cost of funding earning assets | 0.2423% | 5,403 |
Net interest margin | 3.7334% | 2,864 |
Noninterest income to average assets | 0.5469% | 3,189 |
Noninterest expense to average assets | 2.9692% | 2,932 |
Loan and lease loss provision to assets | 0.0276% | 4,050 |
Net operating income to assets | 1.0827% | 2,047 |
Return on assets (ROA) | 1.0164% | 2,389 |
Pretax return on assets | 1.0164% | 3,430 |
Return on Equity (ROE) | 8.3945% | 2,912 |
Retained earnings to average equity (ytd only) | 8.3945% | 872 |
Net charge-offs to loans | -0.3012% | 6,333 |
Credit loss provision to net charge-offs | -22.2222% | 5,361 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 72.7827% | 3,074 |
Assets per employee ($millions) | 3.6698% | 4,587 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0838% | 971 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.8665% | 3,047 |
Noncurrent loans to loans | 0.0000% | 5,950 |
Net loans and leases to total assets | 47.3759% | 5,210 |
Net loans and leases to deposits | 56.5877% | 5,144 |
Net loans and leases to core deposits | 58.0055% | 5,260 |
Total domestic deposits to total assets | 83.7212% | 3,826 |
Equity capital to assets | 12.1941% | 1,866 |
Core capital (leverage) ratio | 10.7792% | 2,638 |
Tier 1 risk-based capital ratio | 15.4645% | 3,240 |
Total risk-based capital ratio | 16.7088% | 3,184 |
Memoranda: | ||
Average total assets | $36,205,200 | 6,127 |
Average earning assets | $34,258,000 | 6,081 |
Average equity | $4,383,800 | 6,013 |
Average total loans | $14,940,400 | 6,162 |
2014-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9821% | 3,826 |
Cost of funding earning assets | 0.2423% | 5,484 |
Net interest margin | 3.7398% | 2,859 |
Noninterest income to average assets | 0.5247% | 3,367 |
Noninterest expense to average assets | 2.9192% | 3,056 |
Loan and lease loss provision to assets | 0.0000% | 4,401 |
Net operating income to assets | 1.1418% | 1,890 |
Return on assets (ROA) | 1.0827% | 2,169 |
Pretax return on assets | 1.0827% | 3,256 |
Return on Equity (ROE) | 8.9580% | 2,712 |
Retained earnings to average equity (ytd only) | 8.9580% | 1,023 |
Net charge-offs to loans | -0.4215% | 6,435 |
Credit loss provision to net charge-offs | 0.0000% | 3,801 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 71.8835% | 3,202 |
Assets per employee ($millions) | 3.6322% | 4,609 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.3528% | 780 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.8810% | 3,232 |
Noncurrent loans to loans | 0.0000% | 6,061 |
Net loans and leases to total assets | 41.1348% | 5,742 |
Net loans and leases to deposits | 48.7551% | 5,720 |
Net loans and leases to core deposits | 49.9799% | 5,792 |
Total domestic deposits to total assets | 84.3704% | 3,604 |
Equity capital to assets | 12.6012% | 1,638 |
Core capital (leverage) ratio | 10.6409% | 2,870 |
Tier 1 risk-based capital ratio | 16.4544% | 2,830 |
Total risk-based capital ratio | 17.6984% | 2,789 |
Memoranda: | ||
Average total assets | $36,082,000 | 6,198 |
Average earning assets | $34,118,750 | 6,160 |
Average equity | $4,361,000 | 6,078 |
Average total loans | $14,236,500 | 6,250 |
2014-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9628% | 3,884 |
Cost of funding earning assets | 0.2352% | 5,627 |
Net interest margin | 3.7276% | 2,849 |
Noninterest income to average assets | 0.5055% | 3,443 |
Noninterest expense to average assets | 3.0387% | 2,696 |
Loan and lease loss provision to assets | 0.0000% | 4,196 |
Net operating income to assets | 0.9888% | 2,369 |
Return on assets (ROA) | 0.9055% | 2,875 |
Pretax return on assets | 0.9055% | 3,872 |
Return on Equity (ROE) | 7.6008% | 3,318 |
Retained earnings to average equity (ytd only) | 7.6008% | 1,480 |
Net charge-offs to loans | -0.6483% | 6,537 |
Credit loss provision to net charge-offs | 0.0000% | 3,401 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 75.4483% | 2,734 |
Assets per employee ($millions) | 3.6395% | 4,575 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.4646% | 748 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.8683% | 3,373 |
Noncurrent loans to loans | 0.0000% | 6,120 |
Net loans and leases to total assets | 39.1455% | 5,884 |
Net loans and leases to deposits | 46.3287% | 5,863 |
Net loans and leases to core deposits | 47.4758% | 5,922 |
Total domestic deposits to total assets | 84.4951% | 3,727 |
Equity capital to assets | 12.1775% | 1,864 |
Core capital (leverage) ratio | 10.2740% | 3,238 |
Tier 1 risk-based capital ratio | 16.2734% | 2,942 |
Total risk-based capital ratio | 17.5115% | 2,899 |
Memoranda: | ||
Average total assets | $36,002,000 | 6,265 |
Average earning assets | $34,016,330 | 6,226 |
Average equity | $4,289,000 | 6,141 |
Average total loans | $13,881,670 | 6,323 |
2014-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8989% | 4,089 |
Cost of funding earning assets | 0.2245% | 5,802 |
Net interest margin | 3.6744% | 2,971 |
Noninterest income to average assets | 0.4245% | 3,991 |
Noninterest expense to average assets | 3.0163% | 2,813 |
Loan and lease loss provision to assets | 0.0000% | 3,817 |
Net operating income to assets | 0.8825% | 2,728 |
Return on assets (ROA) | 0.9272% | 2,590 |
Pretax return on assets | 0.9272% | 3,599 |
Return on Equity (ROE) | 7.8720% | 2,994 |
Retained earnings to average equity (ytd only) | 7.8720% | 1,645 |
Net charge-offs to loans | -1.3315% | 6,645 |
Credit loss provision to net charge-offs | 0.0000% | 2,688 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 77.3639% | 2,581 |
Assets per employee ($millions) | 3.6005% | 4,718 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.6987% | 627 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 1.0387% | 3,175 |
Noncurrent loans to loans | 0.0000% | 6,210 |
Net loans and leases to total assets | 36.0505% | 6,070 |
Net loans and leases to deposits | 41.0733% | 6,128 |
Net loans and leases to core deposits | 42.0623% | 6,156 |
Total domestic deposits to total assets | 87.7711% | 2,365 |
Equity capital to assets | 11.9650% | 1,892 |
Core capital (leverage) ratio | 10.2899% | 3,183 |
Tier 1 risk-based capital ratio | 16.9218% | 2,728 |
Total risk-based capital ratio | 18.1593% | 2,687 |
Memoranda: | ||
Average total assets | $35,805,500 | 6,337 |
Average earning assets | $33,856,000 | 6,289 |
Average equity | $4,217,500 | 6,200 |
Average total loans | $13,519,000 | 6,400 |
2013-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1561% | 3,515 |
Cost of funding earning assets | 0.2732% | 5,803 |
Net interest margin | 3.8829% | 2,357 |
Noninterest income to average assets | 0.2061% | 5,850 |
Noninterest expense to average assets | 3.7613% | 1,201 |
Loan and lease loss provision to assets | 0.7006% | 328 |
Net operating income to assets | -0.5852% | 6,519 |
Return on assets (ROA) | -0.6896% | 6,545 |
Pretax return on assets | -0.6896% | 6,535 |
Return on Equity (ROE) | -5.5962% | 6,499 |
Retained earnings to average equity (ytd only) | -5.5962% | 6,398 |
Net charge-offs to loans | 3.8250% | 42 |
Credit loss provision to net charge-offs | 45.4545% | 3,927 |
Earnings coverage of net charge-offs (x) | 0.0749% | 5,065 |
Efficiency ratio | 97.0234% | 586 |
Assets per employee ($millions) | 3.5606% | 4,781 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.2923% | 1,044 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 1.0448% | 3,328 |
Noncurrent loans to loans | 0.0000% | 6,319 |
Net loans and leases to total assets | 37.5892% | 6,122 |
Net loans and leases to deposits | 42.6391% | 6,191 |
Net loans and leases to core deposits | 43.7014% | 6,241 |
Total domestic deposits to total assets | 88.1565% | 2,088 |
Equity capital to assets | 11.5907% | 2,104 |
Core capital (leverage) ratio | 9.8994% | 3,703 |
Tier 1 risk-based capital ratio | 15.8870% | 3,156 |
Total risk-based capital ratio | 17.1324% | 3,113 |
Memoranda: | ||
Average total assets | $36,397,400 | 6,379 |
Average earning assets | $34,407,600 | 6,338 |
Average equity | $4,485,200 | 6,206 |
Average total loans | $14,666,600 | 6,433 |
2013-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1701% | 3,490 |
Cost of funding earning assets | 0.2852% | 5,849 |
Net interest margin | 3.8849% | 2,331 |
Noninterest income to average assets | 0.4081% | 4,473 |
Noninterest expense to average assets | 3.7235% | 1,215 |
Loan and lease loss provision to assets | 0.3643% | 871 |
Net operating income to assets | -0.0073% | 6,305 |
Return on assets (ROA) | -0.0765% | 6,401 |
Pretax return on assets | -0.0765% | 6,380 |
Return on Equity (ROE) | -0.6121% | 6,394 |
Retained earnings to average equity (ytd only) | -0.6121% | 6,065 |
Net charge-offs to loans | 1.8602% | 219 |
Credit loss provision to net charge-offs | 48.0769% | 3,556 |
Earnings coverage of net charge-offs (x) | 0.4711% | 4,707 |
Efficiency ratio | 91.2500% | 902 |
Assets per employee ($millions) | 3.6021% | 4,651 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.6724% | 290 |
Loan loss allowance to noncurrent loans | 97.3435% | 3,542 |
Noncurrent assets plus other real estate owned to assets | 2.9094% | 1,275 |
Noncurrent loans to loans | 3.7726% | 975 |
Net loans and leases to total assets | 37.3560% | 6,204 |
Net loans and leases to deposits | 42.6944% | 6,275 |
Net loans and leases to core deposits | 43.7608% | 6,315 |
Total domestic deposits to total assets | 87.4962% | 2,422 |
Equity capital to assets | 12.2318% | 1,760 |
Core capital (leverage) ratio | 10.6511% | 2,836 |
Tier 1 risk-based capital ratio | 16.4221% | 2,977 |
Total risk-based capital ratio | 17.0553% | 3,252 |
Memoranda: | ||
Average total assets | $36,595,250 | 6,443 |
Average earning assets | $34,594,500 | 6,400 |
Average equity | $4,574,750 | 6,262 |
Average total loans | $14,908,750 | 6,484 |
2013-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1885% | 3,418 |
Cost of funding earning assets | 0.2815% | 5,971 |
Net interest margin | 3.9070% | 2,193 |
Noninterest income to average assets | 0.3751% | 4,711 |
Noninterest expense to average assets | 3.9851% | 880 |
Loan and lease loss provision to assets | 0.5437% | 490 |
Net operating income to assets | -0.4567% | 6,622 |
Return on assets (ROA) | -0.5382% | 6,659 |
Pretax return on assets | -0.5382% | 6,644 |
Return on Equity (ROE) | -4.2755% | 6,621 |
Retained earnings to average equity (ytd only) | -4.2755% | 6,415 |
Net charge-offs to loans | 2.7329% | 125 |
Credit loss provision to net charge-offs | 48.0769% | 3,254 |
Earnings coverage of net charge-offs (x) | 0.0769% | 4,520 |
Efficiency ratio | 97.8638% | 575 |
Assets per employee ($millions) | 3.6602% | 4,497 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.3839% | 405 |
Loan loss allowance to noncurrent loans | 96.6102% | 3,547 |
Noncurrent assets plus other real estate owned to assets | 3.2539% | 1,217 |
Noncurrent loans to loans | 3.5026% | 1,217 |
Net loans and leases to total assets | 40.0169% | 6,044 |
Net loans and leases to deposits | 45.5626% | 6,135 |
Net loans and leases to core deposits | 46.6747% | 6,201 |
Total domestic deposits to total assets | 87.8285% | 2,368 |
Equity capital to assets | 11.9310% | 1,955 |
Core capital (leverage) ratio | 10.1094% | 3,356 |
Tier 1 risk-based capital ratio | 15.7681% | 3,331 |
Total risk-based capital ratio | 16.4934% | 3,589 |
Memoranda: | ||
Average total assets | $36,786,670 | 6,488 |
Average earning assets | $34,809,670 | 6,438 |
Average equity | $4,631,000 | 6,288 |
Average total loans | $15,222,000 | 6,515 |
2013-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2200% | 3,212 |
Cost of funding earning assets | 0.2859% | 6,067 |
Net interest margin | 3.9341% | 2,002 |
Noninterest income to average assets | 0.3471% | 4,905 |
Noninterest expense to average assets | 3.4383% | 1,743 |
Loan and lease loss provision to assets | 0.0000% | 4,409 |
Net operating income to assets | 0.6399% | 4,018 |
Return on assets (ROA) | 0.5098% | 4,755 |
Pretax return on assets | 0.5098% | 5,220 |
Return on Equity (ROE) | 3.9471% | 5,122 |
Retained earnings to average equity (ytd only) | 3.9471% | 3,871 |
Net charge-offs to loans | 0.0000% | 4,145 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 84.3085% | 1,722 |
Assets per employee ($millions) | 3.6719% | 4,622 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
Condition Ratios (%) | ||
Loss allowance to loans | 4.0059% | 286 |
Loan loss allowance to noncurrent loans | 51.8364% | 5,082 |
Noncurrent assets plus other real estate owned to assets | 4.0497% | 977 |
Noncurrent loans to loans | 7.7280% | 355 |
Net loans and leases to total assets | 40.5267% | 5,954 |
Net loans and leases to deposits | 46.7441% | 6,009 |
Net loans and leases to core deposits | 47.9167% | 6,099 |
Total domestic deposits to total assets | 86.6990% | 3,130 |
Equity capital to assets | 13.0396% | 1,411 |
Core capital (leverage) ratio | 10.5171% | 2,753 |
Tier 1 risk-based capital ratio | 16.5495% | 2,975 |
Total risk-based capital ratio | 17.8075% | 2,928 |
Memoranda: | ||
Average total assets | $36,879,000 | 6,552 |
Average earning assets | $34,976,000 | 6,491 |
Average equity | $4,763,000 | 6,315 |
Average total loans | $15,253,000 | 6,570 |
2012-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3060% | 4,167 |
Cost of funding earning assets | 0.3807% | 6,049 |
Net interest margin | 3.9253% | 2,720 |
Noninterest income to average assets | 0.5576% | 3,522 |
Noninterest expense to average assets | 3.4353% | 1,978 |
Loan and lease loss provision to assets | 0.0000% | 5,905 |
Net operating income to assets | 0.8214% | 3,178 |
Return on assets (ROA) | 0.7643% | 3,690 |
Pretax return on assets | 0.7670% | 4,422 |
Return on Equity (ROE) | 6.3189% | 4,006 |
Retained earnings to average equity (ytd only) | 6.3189% | 1,912 |
Net charge-offs to loans | 0.0917% | 4,755 |
Credit loss provision to net charge-offs | 0.0000% | 5,483 |
Earnings coverage of net charge-offs (x) | 25.2500% | 1,142 |
Efficiency ratio | 80.6513% | 2,059 |
Assets per employee ($millions) | 3.7039% | 4,547 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
Condition Ratios (%) | ||
Loss allowance to loans | 4.1389% | 262 |
Loan loss allowance to noncurrent loans | 51.8797% | 5,037 |
Noncurrent assets plus other real estate owned to assets | 3.9769% | 1,077 |
Noncurrent loans to loans | 7.9779% | 363 |
Net loans and leases to total assets | 38.8320% | 6,243 |
Net loans and leases to deposits | 44.6580% | 6,332 |
Net loans and leases to core deposits | 46.2001% | 6,359 |
Total domestic deposits to total assets | 86.9543% | 2,865 |
Equity capital to assets | 12.7919% | 1,544 |
Core capital (leverage) ratio | 10.5153% | 2,746 |
Tier 1 risk-based capital ratio | 14.3516% | 4,124 |
Total risk-based capital ratio | 16.6611% | 3,441 |
Memoranda: | ||
Average total assets | $36,765,200 | 6,587 |
Average earning assets | $34,672,400 | 6,539 |
Average equity | $4,447,000 | 6,455 |
Average total loans | $13,088,400 | 6,736 |
2012-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3194% | 4,375 |
Cost of funding earning assets | 0.4011% | 6,113 |
Net interest margin | 3.9183% | 2,846 |
Noninterest income to average assets | 0.6286% | 3,114 |
Noninterest expense to average assets | 3.1210% | 2,827 |
Loan and lease loss provision to assets | 0.0000% | 5,790 |
Net operating income to assets | 1.1954% | 1,762 |
Return on assets (ROA) | 1.0682% | 2,432 |
Pretax return on assets | 1.0718% | 3,456 |
Return on Equity (ROE) | 8.9613% | 2,824 |
Retained earnings to average equity (ytd only) | 8.9613% | 1,245 |
Net charge-offs to loans | 0.1269% | 4,110 |
Credit loss provision to net charge-offs | 0.0000% | 5,158 |
Earnings coverage of net charge-offs (x) | 27.4994% | 1,181 |
Efficiency ratio | 72.2456% | 3,282 |
Assets per employee ($millions) | 3.7068% | 4,524 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
Condition Ratios (%) | ||
Loss allowance to loans | 4.2813% | 247 |
Loan loss allowance to noncurrent loans | 57.1823% | 4,789 |
Noncurrent assets plus other real estate owned to assets | 3.8605% | 1,274 |
Noncurrent loans to loans | 7.4871% | 450 |
Net loans and leases to total assets | 37.4555% | 6,450 |
Net loans and leases to deposits | 43.1140% | 6,548 |
Net loans and leases to core deposits | 44.6173% | 6,571 |
Total domestic deposits to total assets | 86.8755% | 2,750 |
Equity capital to assets | 12.8170% | 1,696 |
Core capital (leverage) ratio | 10.3107% | 3,151 |
Tier 1 risk-based capital ratio | 16.8435% | 2,812 |
Total risk-based capital ratio | 18.0438% | 2,800 |
Memoranda: | ||
Average total assets | $36,696,750 | 6,673 |
Average earning assets | $34,572,000 | 6,625 |
Average equity | $4,374,250 | 6,550 |
Average total loans | $12,609,500 | 6,843 |
2012-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3324% | 4,441 |
Cost of funding earning assets | 0.4187% | 6,171 |
Net interest margin | 3.9137% | 2,850 |
Noninterest income to average assets | 0.6781% | 2,786 |
Noninterest expense to average assets | 3.1389% | 2,779 |
Loan and lease loss provision to assets | 0.0000% | 5,619 |
Net operating income to assets | 1.2128% | 1,671 |
Return on assets (ROA) | 1.0882% | 2,307 |
Pretax return on assets | 1.0937% | 3,326 |
Return on Equity (ROE) | 9.3676% | 2,636 |
Retained earnings to average equity (ytd only) | 9.3676% | 1,152 |
Net charge-offs to loans | 0.2004% | 3,382 |
Credit loss provision to net charge-offs | 0.0000% | 4,809 |
Earnings coverage of net charge-offs (x) | 18.5833% | 1,477 |
Efficiency ratio | 72.0201% | 3,432 |
Assets per employee ($millions) | 3.6086% | 4,738 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
Condition Ratios (%) | ||
Loss allowance to loans | 4.8641% | 181 |
Loan loss allowance to noncurrent loans | 65.0943% | 4,408 |
Noncurrent assets plus other real estate owned to assets | 3.6025% | 1,459 |
Noncurrent loans to loans | 7.4724% | 491 |
Net loans and leases to total assets | 33.6585% | 6,743 |
Net loans and leases to deposits | 38.4891% | 6,783 |
Net loans and leases to core deposits | 39.4915% | 6,814 |
Total domestic deposits to total assets | 87.4494% | 2,499 |
Equity capital to assets | 12.2014% | 2,004 |
Core capital (leverage) ratio | 10.0324% | 3,381 |
Tier 1 risk-based capital ratio | 17.1968% | 2,588 |
Total risk-based capital ratio | 18.4528% | 2,546 |
Memoranda: | ||
Average total assets | $36,573,000 | 6,721 |
Average earning assets | $34,392,330 | 6,673 |
Average equity | $4,248,670 | 6,616 |
Average total loans | $11,977,670 | 6,928 |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3208% | 4,652 |
Cost of funding earning assets | 0.4170% | 6,328 |
Net interest margin | 3.9037% | 2,902 |
Noninterest income to average assets | 0.3694% | 4,914 |
Noninterest expense to average assets | 3.1834% | 2,658 |
Loan and lease loss provision to assets | 0.0000% | 5,254 |
Net operating income to assets | 0.8354% | 3,216 |
Return on assets (ROA) | 0.7171% | 4,021 |
Pretax return on assets | 0.7279% | 4,697 |
Return on Equity (ROE) | 6.3287% | 4,125 |
Retained earnings to average equity (ytd only) | 6.3287% | 2,781 |
Net charge-offs to loans | 0.4835% | 1,881 |
Credit loss provision to net charge-offs | 0.0000% | 3,998 |
Earnings coverage of net charge-offs (x) | 5.5714% | 2,335 |
Efficiency ratio | 78.9757% | 2,357 |
Assets per employee ($millions) | 3.3628% | 5,429 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
Condition Ratios (%) | ||
Loss allowance to loans | 5.1003% | 165 |
Loan loss allowance to noncurrent loans | 115.9475% | 2,697 |
Noncurrent assets plus other real estate owned to assets | 3.1494% | 1,841 |
Noncurrent loans to loans | 4.3988% | 1,338 |
Net loans and leases to total assets | 31.0859% | 6,866 |
Net loans and leases to deposits | 35.7278% | 6,900 |
Net loans and leases to core deposits | 36.6385% | 6,921 |
Total domestic deposits to total assets | 87.0077% | 2,951 |
Equity capital to assets | 11.6704% | 2,285 |
Core capital (leverage) ratio | 10.1037% | 3,235 |
Tier 1 risk-based capital ratio | 17.7244% | 2,393 |
Total risk-based capital ratio | 18.9678% | 2,366 |
Memoranda: | ||
Average total assets | $36,816,500 | 6,770 |
Average earning assets | $34,531,000 | 6,722 |
Average equity | $4,171,500 | 6,673 |
Average total loans | $11,583,000 | 7,001 |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4273% | 5,322 |
Cost of funding earning assets | 0.4777% | 6,622 |
Net interest margin | 3.9496% | 3,107 |
Noninterest income to average assets | 0.4694% | 4,060 |
Noninterest expense to average assets | 3.3339% | 2,408 |
Loan and lease loss provision to assets | 0.0000% | 6,496 |
Net operating income to assets | 0.8583% | 2,777 |
Return on assets (ROA) | 0.5874% | 4,249 |
Pretax return on assets | 0.5901% | 4,726 |
Return on Equity (ROE) | 5.7037% | 4,025 |
Retained earnings to average equity (ytd only) | 4.6619% | 2,877 |
Net charge-offs to loans | 0.8092% | 2,132 |
Credit loss provision to net charge-offs | 0.0000% | 6,066 |
Earnings coverage of net charge-offs (x) | 3.4891% | 3,500 |
Efficiency ratio | 79.4757% | 2,375 |
Assets per employee ($millions) | 3.6642% | 4,631 |
Cash dividends to net income (ytd only)* | 18.2648% | 3,606 |
Condition Ratios (%) | ||
Loss allowance to loans | 5.7290% | 111 |
Loan loss allowance to noncurrent loans | 114.8820% | 2,703 |
Noncurrent assets plus other real estate owned to assets | 3.2313% | 1,845 |
Noncurrent loans to loans | 4.9869% | 1,131 |
Net loans and leases to total assets | 28.4264% | 7,050 |
Net loans and leases to deposits | 32.0463% | 7,092 |
Net loans and leases to core deposits | 32.8435% | 7,098 |
Total domestic deposits to total assets | 88.7042% | 1,719 |
Equity capital to assets | 10.9874% | 2,992 |
Core capital (leverage) ratio | 9.9458% | 3,397 |
Tier 1 risk-based capital ratio | 18.0859% | 2,164 |
Total risk-based capital ratio | 19.3816% | 2,125 |
Memoranda: | ||
Average total assets | $37,283,800 | 6,759 |
Average earning assets | $35,167,800 | 6,706 |
Average equity | $3,839,600 | 6,795 |
Average total loans | $11,369,200 | 7,063 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4523% | 5,420 |
Cost of funding earning assets | 0.4934% | 6,721 |
Net interest margin | 3.9588% | 3,111 |
Noninterest income to average assets | 0.4736% | 4,096 |
Noninterest expense to average assets | 3.5252% | 1,872 |
Loan and lease loss provision to assets | 0.0000% | 6,393 |
Net operating income to assets | 0.6866% | 3,685 |
Return on assets (ROA) | 0.6231% | 4,173 |
Pretax return on assets | 0.6267% | 4,721 |
Return on Equity (ROE) | 6.1516% | 3,952 |
Retained earnings to average equity (ytd only) | 4.7456% | 3,349 |
Net charge-offs to loans | 1.0713% | 1,485 |
Credit loss provision to net charge-offs | 0.0000% | 5,735 |
Earnings coverage of net charge-offs (x) | 2.1088% | 4,088 |
Efficiency ratio | 83.6149% | 1,768 |
Assets per employee ($millions) | 3.6309% | 4,677 |
Cash dividends to net income (ytd only)* | 22.8560% | 2,803 |
Condition Ratios (%) | ||
Loss allowance to loans | 5.7771% | 110 |
Loan loss allowance to noncurrent loans | 117.8771% | 2,540 |
Noncurrent assets plus other real estate owned to assets | 3.2168% | 1,979 |
Noncurrent loans to loans | 4.9010% | 1,285 |
Net loans and leases to total assets | 28.4337% | 7,135 |
Net loans and leases to deposits | 32.1040% | 7,172 |
Net loans and leases to core deposits | 32.9167% | 7,185 |
Total domestic deposits to total assets | 88.5676% | 1,718 |
Equity capital to assets | 11.0854% | 3,059 |
Core capital (leverage) ratio | 9.8148% | 3,689 |
Tier 1 risk-based capital ratio | 17.8279% | 2,320 |
Total risk-based capital ratio | 19.1306% | 2,262 |
Memoranda: | ||
Average total assets | $37,444,250 | 6,813 |
Average earning assets | $35,396,750 | 6,755 |
Average equity | $3,793,000 | 6,859 |
Average total loans | $11,449,250 | 7,127 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4906% | 5,385 |
Cost of funding earning assets | 0.5083% | 6,821 |
Net interest margin | 3.9824% | 2,926 |
Noninterest income to average assets | 0.4548% | 4,252 |
Noninterest expense to average assets | 3.3049% | 2,543 |
Loan and lease loss provision to assets | 0.0000% | 6,217 |
Net operating income to assets | 0.9110% | 2,593 |
Return on assets (ROA) | 0.5394% | 4,478 |
Pretax return on assets | 0.5446% | 4,921 |
Return on Equity (ROE) | 5.4903% | 4,214 |
Retained earnings to average equity (ytd only) | 3.3372% | 4,138 |
Net charge-offs to loans | 1.5844% | 929 |
Credit loss provision to net charge-offs | 0.0000% | 5,336 |
Earnings coverage of net charge-offs (x) | 1.8913% | 3,918 |
Efficiency ratio | 78.2228% | 2,675 |
Assets per employee ($millions) | 3.6547% | 4,554 |
Cash dividends to net income (ytd only)* | 39.2157% | 2,113 |
Condition Ratios (%) | ||
Loss allowance to loans | 5.8687% | 103 |
Loan loss allowance to noncurrent loans | 63,300.0000% | 10 |
Noncurrent assets plus other real estate owned to assets | 1.7457% | 3,581 |
Noncurrent loans to loans | 0.0093% | 6,985 |
Net loans and leases to total assets | 27.7807% | 7,246 |
Net loans and leases to deposits | 31.4471% | 7,281 |
Net loans and leases to core deposits | 32.2399% | 7,293 |
Total domestic deposits to total assets | 88.3410% | 1,943 |
Equity capital to assets | 10.5809% | 3,404 |
Core capital (leverage) ratio | 9.2645% | 4,305 |
Tier 1 risk-based capital ratio | 17.1251% | 2,470 |
Total risk-based capital ratio | 18.3927% | 2,439 |
Memoranda: | ||
Average total assets | $37,822,670 | 6,863 |
Average earning assets | $35,808,000 | 6,808 |
Average equity | $3,715,670 | 6,922 |
Average total loans | $11,613,330 | 7,186 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6388% | 4,787 |
Cost of funding earning assets | 0.5142% | 6,922 |
Net interest margin | 4.1246% | 2,173 |
Noninterest income to average assets | 0.4680% | 4,132 |
Noninterest expense to average assets | 3.2345% | 2,753 |
Loan and lease loss provision to assets | 0.0000% | 5,840 |
Net operating income to assets | 1.1424% | 1,692 |
Return on assets (ROA) | 0.9776% | 2,314 |
Pretax return on assets | 0.9880% | 3,169 |
Return on Equity (ROE) | 10.3297% | 1,983 |
Retained earnings to average equity (ytd only) | 10.3297% | 1,037 |
Net charge-offs to loans | -0.5987% | 7,432 |
Credit loss provision to net charge-offs | 0.0000% | 4,480 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 73.6967% | 3,573 |
Assets per employee ($millions) | 3.3874% | 5,279 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
Condition Ratios (%) | ||
Loss allowance to loans | 6.1150% | 93 |
Loan loss allowance to noncurrent loans | 191.7313% | 1,549 |
Noncurrent assets plus other real estate owned to assets | 1.9699% | 3,354 |
Noncurrent loans to loans | 3.1894% | 2,350 |
Net loans and leases to total assets | 30.5735% | 7,213 |
Net loans and leases to deposits | 34.1221% | 7,269 |
Net loans and leases to core deposits | 34.9534% | 7,287 |
Total domestic deposits to total assets | 89.6004% | 1,428 |
Equity capital to assets | 10.0990% | 3,649 |
Core capital (leverage) ratio | 9.1783% | 4,325 |
Tier 1 risk-based capital ratio | 17.9266% | 2,136 |
Total risk-based capital ratio | 19.2364% | 2,087 |
Memoranda: | ||
Average total assets | $38,460,500 | 6,891 |
Average earning assets | $36,561,500 | 6,824 |
Average equity | $3,640,000 | 6,977 |
Average total loans | $12,027,000 | 7,226 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5922% | 6,136 |
Cost of funding earning assets | 0.7251% | 6,805 |
Net interest margin | 3.8671% | 3,656 |
Noninterest income to average assets | 0.4156% | 4,774 |
Noninterest expense to average assets | 3.6523% | 1,804 |
Loan and lease loss provision to assets | 0.1066% | 6,083 |
Net operating income to assets | 0.3199% | 4,866 |
Return on assets (ROA) | 0.3383% | 4,956 |
Pretax return on assets | 0.3410% | 5,110 |
Return on Equity (ROE) | 4.0405% | 4,505 |
Retained earnings to average equity (ytd only) | 4.0405% | 3,030 |
Net charge-offs to loans | -0.1889% | 7,541 |
Credit loss provision to net charge-offs | -166.6667% | 7,049 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 89.4909% | 1,360 |
Assets per employee ($millions) | 3.3050% | 5,421 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
Condition Ratios (%) | ||
Loss allowance to loans | 6.0822% | 106 |
Loan loss allowance to noncurrent loans | 200.2762% | 1,497 |
Noncurrent assets plus other real estate owned to assets | 1.7625% | 3,666 |
Noncurrent loans to loans | 3.0369% | 2,513 |
Net loans and leases to total assets | 28.2274% | 7,396 |
Net loans and leases to deposits | 33.3363% | 7,407 |
Net loans and leases to core deposits | 34.1321% | 7,422 |
Total domestic deposits to total assets | 84.6747% | 4,012 |
Equity capital to assets | 8.8679% | 5,328 |
Core capital (leverage) ratio | 9.0911% | 4,374 |
Tier 1 risk-based capital ratio | 16.9487% | 2,363 |
Total risk-based capital ratio | 18.1868% | 2,338 |
Memoranda: | ||
Average total assets | $37,538,000 | 6,955 |
Average earning assets | $35,582,200 | 6,891 |
Average equity | $3,143,200 | 7,236 |
Average total loans | $12,704,200 | 7,266 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6813% | 6,090 |
Cost of funding earning assets | 0.7726% | 6,836 |
Net interest margin | 3.9087% | 3,494 |
Noninterest income to average assets | 0.3459% | 5,397 |
Noninterest expense to average assets | 3.5199% | 1,991 |
Loan and lease loss provision to assets | 0.1441% | 5,590 |
Net operating income to assets | 0.3710% | 4,881 |
Return on assets (ROA) | 0.1333% | 5,846 |
Pretax return on assets | 0.1369% | 5,858 |
Return on Equity (ROE) | 1.6175% | 5,728 |
Retained earnings to average equity (ytd only) | 1.6175% | 5,143 |
Net charge-offs to loans | -0.3308% | 7,654 |
Credit loss provision to net charge-offs | -125.0000% | 6,921 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 86.9991% | 1,532 |
Assets per employee ($millions) | 3.0992% | 5,921 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
Condition Ratios (%) | ||
Loss allowance to loans | 6.0085% | 111 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.9088% | 5,288 |
Noncurrent loans to loans | 0.0000% | 7,276 |
Net loans and leases to total assets | 30.8739% | 7,441 |
Net loans and leases to deposits | 34.3814% | 7,510 |
Net loans and leases to core deposits | 34.8510% | 7,519 |
Total domestic deposits to total assets | 89.7983% | 967 |
Equity capital to assets | 9.6504% | 4,620 |
Core capital (leverage) ratio | 8.9785% | 4,729 |
Tier 1 risk-based capital ratio | 16.9855% | 2,343 |
Total risk-based capital ratio | 18.2593% | 2,300 |
Memoranda: | ||
Average total assets | $37,007,500 | 7,054 |
Average earning assets | $35,032,000 | 6,995 |
Average equity | $3,049,750 | 7,356 |
Average total loans | $12,900,250 | 7,351 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6806% | 6,204 |
Cost of funding earning assets | 0.8058% | 6,897 |
Net interest margin | 3.8748% | 3,561 |
Noninterest income to average assets | 0.2761% | 5,939 |
Noninterest expense to average assets | 3.6052% | 1,768 |
Loan and lease loss provision to assets | 0.2165% | 4,724 |
Net operating income to assets | 0.1191% | 5,808 |
Return on assets (ROA) | -0.4006% | 6,606 |
Pretax return on assets | -0.3952% | 6,506 |
Return on Equity (ROE) | -5.1568% | 6,710 |
Retained earnings to average equity (ytd only) | -5.1568% | 6,572 |
Net charge-offs to loans | -0.1371% | 7,596 |
Credit loss provision to net charge-offs | -444.4444% | 6,805 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 91.3580% | 1,228 |
Assets per employee ($millions) | 3.0710% | 5,992 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
Condition Ratios (%) | ||
Loss allowance to loans | 5.7705% | 116 |
Loan loss allowance to noncurrent loans | 5,461.5385% | 87 |
Noncurrent assets plus other real estate owned to assets | 0.9552% | 5,224 |
Noncurrent loans to loans | 0.1057% | 7,058 |
Net loans and leases to total assets | 31.4610% | 7,495 |
Net loans and leases to deposits | 34.5471% | 7,564 |
Net loans and leases to core deposits | 35.0166% | 7,584 |
Total domestic deposits to total assets | 91.0670% | 458 |
Equity capital to assets | 8.4473% | 6,233 |
Core capital (leverage) ratio | 8.6983% | 5,076 |
Tier 1 risk-based capital ratio | 16.4624% | 2,485 |
Total risk-based capital ratio | 17.6219% | 2,468 |
Memoranda: | ||
Average total assets | $36,946,670 | 7,115 |
Average earning assets | $34,995,330 | 7,041 |
Average equity | $2,870,000 | 7,455 |
Average total loans | $13,128,330 | 7,392 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9253% | 5,325 |
Cost of funding earning assets | 0.8551% | 6,921 |
Net interest margin | 4.0702% | 2,566 |
Noninterest income to average assets | 0.0973% | 7,218 |
Noninterest expense to average assets | 3.5465% | 1,857 |
Loan and lease loss provision to assets | 0.3244% | 3,467 |
Net operating income to assets | 0.0757% | 6,094 |
Return on assets (ROA) | -0.1189% | 6,529 |
Pretax return on assets | -0.1081% | 6,473 |
Return on Equity (ROE) | -1.6009% | 6,594 |
Retained earnings to average equity (ytd only) | -1.6009% | 6,144 |
Net charge-offs to loans | -0.2659% | 7,722 |
Credit loss provision to net charge-offs | -333.3333% | 6,198 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 89.6175% | 1,462 |
Assets per employee ($millions) | 2.8478% | 6,533 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
Condition Ratios (%) | ||
Loss allowance to loans | 5.3110% | 142 |
Loan loss allowance to noncurrent loans | 687.2549% | 467 |
Noncurrent assets plus other real estate owned to assets | 1.2047% | 4,764 |
Noncurrent loans to loans | 0.7728% | 5,781 |
Net loans and leases to total assets | 33.7592% | 7,502 |
Net loans and leases to deposits | 36.8054% | 7,604 |
Net loans and leases to core deposits | 37.2997% | 7,631 |
Total domestic deposits to total assets | 91.7236% | 312 |
Equity capital to assets | 7.7686% | 6,870 |
Core capital (leverage) ratio | 9.0201% | 4,526 |
Tier 1 risk-based capital ratio | 15.0614% | 3,092 |
Total risk-based capital ratio | 16.1518% | 3,117 |
Memoranda: | ||
Average total assets | $36,994,000 | 7,200 |
Average earning assets | $35,084,500 | 7,124 |
Average equity | $2,748,500 | 7,568 |
Average total loans | $13,540,500 | 7,466 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.9129% | 2,178 |
Cost of funding earning assets | 1.0652% | 7,068 |
Net interest margin | 4.8477% | 623 |
Noninterest income to average assets | 0.5218% | 4,243 |
Noninterest expense to average assets | 3.4047% | 2,668 |
Loan and lease loss provision to assets | 1.3743% | 1,673 |
Net operating income to assets | 0.3487% | 4,327 |
Return on assets (ROA) | -0.4056% | 6,079 |
Pretax return on assets | -0.4030% | 5,918 |
Return on Equity (ROE) | -5.0083% | 6,213 |
Retained earnings to average equity (ytd only) | -5.0083% | 6,022 |
Net charge-offs to loans | 1.4735% | 1,700 |
Credit loss provision to net charge-offs | 227.3504% | 1,637 |
Earnings coverage of net charge-offs (x) | 2.8547% | 3,659 |
Efficiency ratio | 66.3646% | 5,319 |
Assets per employee ($millions) | 2.8436% | 6,574 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
Condition Ratios (%) | ||
Loss allowance to loans | 4.7688% | 200 |
Loan loss allowance to noncurrent loans | 1,471.1111% | 262 |
Noncurrent assets plus other real estate owned to assets | 1.1280% | 4,833 |
Noncurrent loans to loans | 0.3242% | 6,631 |
Net loans and leases to total assets | 35.7616% | 7,531 |
Net loans and leases to deposits | 38.7672% | 7,656 |
Net loans and leases to core deposits | 43.1181% | 7,713 |
Total domestic deposits to total assets | 92.2471% | 222 |
Equity capital to assets | 7.0901% | 7,332 |
Core capital (leverage) ratio | 8.8814% | 4,618 |
Tier 1 risk-based capital ratio | 15.1884% | 2,849 |
Total risk-based capital ratio | 16.3034% | 2,864 |
Memoranda: | ||
Average total assets | $38,711,600 | 7,145 |
Average earning assets | $36,800,600 | 7,066 |
Average equity | $3,134,800 | 7,555 |
Average total loans | $15,880,200 | 7,410 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.1024% | 1,645 |
Cost of funding earning assets | 1.0893% | 7,199 |
Net interest margin | 5.0131% | 429 |
Noninterest income to average assets | 0.4462% | 4,925 |
Noninterest expense to average assets | 3.4092% | 2,550 |
Loan and lease loss provision to assets | 1.0320% | 1,859 |
Net operating income to assets | 0.7537% | 3,008 |
Return on assets (ROA) | 0.1362% | 5,427 |
Pretax return on assets | 0.1396% | 5,438 |
Return on Equity (ROE) | 1.6343% | 5,292 |
Retained earnings to average equity (ytd only) | 1.6343% | 4,399 |
Net charge-offs to loans | 1.5547% | 1,318 |
Credit loss provision to net charge-offs | 158.6387% | 2,999 |
Earnings coverage of net charge-offs (x) | 2.7697% | 3,845 |
Efficiency ratio | 65.4248% | 5,470 |
Assets per employee ($millions) | 2.9069% | 6,388 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.2669% | 518 |
Loan loss allowance to noncurrent loans | 586.4198% | 557 |
Noncurrent assets plus other real estate owned to assets | 1.2305% | 4,605 |
Noncurrent loans to loans | 0.5571% | 6,199 |
Net loans and leases to total assets | 37.2188% | 7,581 |
Net loans and leases to deposits | 40.7870% | 7,704 |
Net loans and leases to core deposits | 45.0975% | 7,781 |
Total domestic deposits to total assets | 91.2517% | 326 |
Equity capital to assets | 6.4647% | 7,772 |
Core capital (leverage) ratio | 8.9592% | 4,707 |
Tier 1 risk-based capital ratio | 14.5852% | 3,228 |
Total risk-based capital ratio | 15.5254% | 3,343 |
Memoranda: | ||
Average total assets | $39,147,750 | 7,194 |
Average earning assets | $37,208,500 | 7,106 |
Average equity | $3,263,250 | 7,582 |
Average total loans | $16,379,750 | 7,452 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.1052% | 1,776 |
Cost of funding earning assets | 1.1125% | 7,346 |
Net interest margin | 4.9927% | 435 |
Noninterest income to average assets | 0.3636% | 5,604 |
Noninterest expense to average assets | 3.4293% | 2,539 |
Loan and lease loss provision to assets | 1.4091% | 1,229 |
Net operating income to assets | 0.2621% | 5,039 |
Return on assets (ROA) | 0.7071% | 3,327 |
Pretax return on assets | 0.7121% | 3,958 |
Return on Equity (ROE) | 7.9171% | 2,808 |
Retained earnings to average equity (ytd only) | 7.9171% | 1,238 |
Net charge-offs to loans | 2.0832% | 888 |
Credit loss provision to net charge-offs | 157.6271% | 2,926 |
Earnings coverage of net charge-offs (x) | 1.8701% | 4,170 |
Efficiency ratio | 67.2277% | 5,308 |
Assets per employee ($millions) | 3.0066% | 6,109 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.9601% | 587 |
Loan loss allowance to noncurrent loans | 510.9890% | 646 |
Noncurrent assets plus other real estate owned to assets | 1.1974% | 4,545 |
Noncurrent loans to loans | 0.5793% | 6,097 |
Net loans and leases to total assets | 39.0012% | 7,595 |
Net loans and leases to deposits | 44.4431% | 7,687 |
Net loans and leases to core deposits | 49.4678% | 7,769 |
Total domestic deposits to total assets | 87.7552% | 1,901 |
Equity capital to assets | 9.0979% | 5,161 |
Core capital (leverage) ratio | 9.1819% | 4,329 |
Tier 1 risk-based capital ratio | 13.6840% | 3,700 |
Total risk-based capital ratio | 14.9249% | 3,636 |
Memoranda: | ||
Average total assets | $39,600,330 | 7,224 |
Average earning assets | $37,574,670 | 7,157 |
Average equity | $3,536,670 | 7,562 |
Average total loans | $16,993,000 | 7,488 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.1400% | 1,796 |
Cost of funding earning assets | 1.1559% | 7,402 |
Net interest margin | 4.9841% | 418 |
Noninterest income to average assets | 0.3914% | 5,287 |
Noninterest expense to average assets | 3.0208% | 3,670 |
Loan and lease loss provision to assets | 2.5591% | 449 |
Net operating income to assets | -0.4817% | 6,859 |
Return on assets (ROA) | -0.2308% | 6,673 |
Pretax return on assets | -0.2208% | 6,592 |
Return on Equity (ROE) | -2.6084% | 6,735 |
Retained earnings to average equity (ytd only) | -2.6084% | 6,210 |
Net charge-offs to loans | 4.4911% | 249 |
Credit loss provision to net charge-offs | 128.7879% | 3,109 |
Earnings coverage of net charge-offs (x) | 1.0505% | 4,239 |
Efficiency ratio | 59.1356% | 6,534 |
Assets per employee ($millions) | 3.0747% | 5,964 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.4873% | 776 |
Loan loss allowance to noncurrent loans | 452.6882% | 772 |
Noncurrent assets plus other real estate owned to assets | 1.1759% | 4,320 |
Noncurrent loans to loans | 0.5495% | 6,042 |
Net loans and leases to total assets | 41.2924% | 7,506 |
Net loans and leases to deposits | 46.5927% | 7,644 |
Net loans and leases to core deposits | 51.9107% | 7,734 |
Total domestic deposits to total assets | 88.6243% | 1,412 |
Equity capital to assets | 8.5812% | 5,943 |
Core capital (leverage) ratio | 8.6014% | 5,341 |
Tier 1 risk-based capital ratio | 13.2523% | 4,023 |
Total risk-based capital ratio | 14.5413% | 3,919 |
Memoranda: | ||
Average total assets | $39,857,500 | 7,257 |
Average earning assets | $37,720,000 | 7,189 |
Average equity | $3,527,000 | 7,620 |
Average total loans | $17,635,000 | 7,501 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.2283% | 4,368 |
Cost of funding earning assets | 1.7791% | 7,060 |
Net interest margin | 4.4491% | 1,541 |
Noninterest income to average assets | 0.5691% | 4,089 |
Noninterest expense to average assets | 2.9865% | 4,128 |
Loan and lease loss provision to assets | 1.7900% | 704 |
Net operating income to assets | 0.0292% | 6,288 |
Return on assets (ROA) | -0.1435% | 6,399 |
Pretax return on assets | -0.1411% | 6,314 |
Return on Equity (ROE) | -1.6859% | 6,462 |
Retained earnings to average equity (ytd only) | -2.8003% | 6,056 |
Net charge-offs to loans | 3.9684% | 168 |
Credit loss provision to net charge-offs | 82.6966% | 5,847 |
Earnings coverage of net charge-offs (x) | 0.8416% | 5,726 |
Efficiency ratio | 62.1143% | 5,933 |
Assets per employee ($millions) | 3.0572% | 5,910 |
Cash dividends to net income (ytd only)* | -66.1017% | 8,093 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9788% | 1,267 |
Loan loss allowance to noncurrent loans | 126.4808% | 2,859 |
Noncurrent assets plus other real estate owned to assets | 1.6707% | 2,912 |
Noncurrent loans to loans | 1.5645% | 3,439 |
Net loans and leases to total assets | 45.2420% | 7,391 |
Net loans and leases to deposits | 50.9247% | 7,585 |
Net loans and leases to core deposits | 56.5956% | 7,719 |
Total domestic deposits to total assets | 88.8411% | 1,102 |
Equity capital to assets | 9.1184% | 5,197 |
Core capital (leverage) ratio | 8.6727% | 5,248 |
Tier 1 risk-based capital ratio | 13.2856% | 3,941 |
Total risk-based capital ratio | 14.5731% | 3,818 |
Memoranda: | ||
Average total assets | $41,118,000 | 7,163 |
Average earning assets | $39,176,200 | 7,074 |
Average equity | $3,499,600 | 7,682 |
Average total loans | $22,427,000 | 7,172 |