Home > Center Point Bank and Trust Company > Performance and Condition Ratios
Center Point Bank and Trust Company, Performance and Condition Ratios
2020-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0895% | 3,551 |
Cost of funding earning assets | 0.7527% | 2,655 |
Net interest margin | 3.3368% | 3,493 |
Noninterest income to average assets | 0.4309% | 2,904 |
Noninterest expense to average assets | 2.5504% | 3,132 |
Loan and lease loss provision to assets | 0.0000% | 3,711 |
Net operating income to assets | 0.7849% | 2,957 |
Return on assets (ROA) | 0.8967% | 2,632 |
Pretax return on assets | 1.1180% | 2,460 |
Return on Equity (ROE) | 11.1091% | 1,382 |
Retained earnings to average equity (ytd only) | -17.7457% | 4,933 |
Net charge-offs to loans | 0.0000% | 2,581 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 72.2772% | 2,043 |
Assets per employee ($millions) | 5.6933% | 1,935 |
Cash dividends to net income (ytd only)* | 259.7403% | 193 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3059% | 2,121 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.4742% | 2,578 |
Noncurrent loans to loans | 0.0000% | 4,593 |
Net loans and leases to total assets | 57.0814% | 3,749 |
Net loans and leases to deposits | 67.2101% | 3,777 |
Net loans and leases to core deposits | 67.2101% | 4,023 |
Total domestic deposits to total assets | 84.9297% | 2,437 |
Equity capital to assets | 7.4678% | 5,038 |
Core capital (leverage) ratio | 8.0129% | 4,979 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 12.3805% | 2,981 |
Memoranda: | ||
Average total assets | $34,347,500 | 4,922 |
Average earning assets | $31,886,500 | 4,905 |
Average equity | $2,772,500 | 5,025 |
Average total loans | $19,349,500 | 4,817 |
2019-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2490% | 3,682 |
Cost of funding earning assets | 0.7388% | 2,979 |
Net interest margin | 3.5102% | 3,416 |
Noninterest income to average assets | 0.3858% | 3,380 |
Noninterest expense to average assets | 2.6568% | 3,005 |
Loan and lease loss provision to assets | 0.0000% | 3,973 |
Net operating income to assets | 0.8071% | 3,532 |
Return on assets (ROA) | 0.8846% | 3,350 |
Pretax return on assets | 1.0906% | 3,194 |
Return on Equity (ROE) | 10.7622% | 1,983 |
Retained earnings to average equity (ytd only) | 1.9407% | 4,024 |
Net charge-offs to loans | 0.1062% | 1,668 |
Credit loss provision to net charge-offs | 0.0000% | 3,383 |
Earnings coverage of net charge-offs (x) | 16.3333% | 2,179 |
Efficiency ratio | 72.7562% | 1,764 |
Assets per employee ($millions) | 5.7558% | 1,827 |
Cash dividends to net income (ytd only)* | 81.9672% | 740 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3621% | 1,661 |
Loan loss allowance to noncurrent loans | 289.8876% | 1,569 |
Noncurrent assets plus other real estate owned to assets | 0.7789% | 1,658 |
Noncurrent loans to loans | 0.4699% | 2,776 |
Net loans and leases to total assets | 54.1016% | 4,070 |
Net loans and leases to deposits | 63.7483% | 4,089 |
Net loans and leases to core deposits | 63.7483% | 4,290 |
Total domestic deposits to total assets | 84.8675% | 2,547 |
Equity capital to assets | 8.6695% | 4,844 |
Core capital (leverage) ratio | 8.2235% | 4,966 |
Tier 1 risk-based capital ratio | 11.8757% | 4,437 |
Total risk-based capital ratio | 12.9345% | 4,418 |
Memoranda: | ||
Average total assets | $34,477,000 | 4,969 |
Average earning assets | $32,078,400 | 4,960 |
Average equity | $2,834,000 | 5,080 |
Average total loans | $19,769,600 | 4,866 |
2019-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2786% | 3,722 |
Cost of funding earning assets | 0.7193% | 3,112 |
Net interest margin | 3.5592% | 3,375 |
Noninterest income to average assets | 0.3675% | 3,513 |
Noninterest expense to average assets | 2.6618% | 2,974 |
Loan and lease loss provision to assets | 0.0000% | 3,836 |
Net operating income to assets | 0.8296% | 3,578 |
Return on assets (ROA) | 0.8550% | 3,579 |
Pretax return on assets | 1.0485% | 3,447 |
Return on Equity (ROE) | 10.5462% | 2,192 |
Retained earnings to average equity (ytd only) | -1.3840% | 4,890 |
Net charge-offs to loans | 0.1402% | 1,150 |
Credit loss provision to net charge-offs | 0.0000% | 3,032 |
Earnings coverage of net charge-offs (x) | 12.5236% | 2,349 |
Efficiency ratio | 72.3449% | 1,784 |
Assets per employee ($millions) | 5.6825% | 1,861 |
Cash dividends to net income (ytd only)* | 113.1236% | 218 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3165% | 1,897 |
Loan loss allowance to noncurrent loans | 289.8876% | 1,566 |
Noncurrent assets plus other real estate owned to assets | 0.8388% | 1,644 |
Noncurrent loans to loans | 0.4541% | 2,945 |
Net loans and leases to total assets | 56.7239% | 3,996 |
Net loans and leases to deposits | 67.1411% | 3,983 |
Net loans and leases to core deposits | 67.1411% | 4,208 |
Total domestic deposits to total assets | 84.4845% | 2,636 |
Equity capital to assets | 8.5350% | 4,986 |
Core capital (leverage) ratio | 8.1151% | 5,086 |
Tier 1 risk-based capital ratio | 11.8545% | 4,488 |
Total risk-based capital ratio | 12.9430% | 4,476 |
Memoranda: | ||
Average total assets | $34,462,500 | 5,045 |
Average earning assets | $32,065,750 | 5,036 |
Average equity | $2,794,000 | 5,160 |
Average total loans | $19,976,500 | 4,937 |
2019-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2984% | 3,636 |
Cost of funding earning assets | 0.6823% | 3,263 |
Net interest margin | 3.6161% | 3,204 |
Noninterest income to average assets | 0.3585% | 3,534 |
Noninterest expense to average assets | 2.6659% | 3,016 |
Loan and lease loss provision to assets | 0.0000% | 3,685 |
Net operating income to assets | 0.8647% | 3,415 |
Return on assets (ROA) | 0.9021% | 3,342 |
Pretax return on assets | 1.1103% | 3,205 |
Return on Equity (ROE) | 11.3235% | 1,858 |
Retained earnings to average equity (ytd only) | 0.4355% | 4,582 |
Net charge-offs to loans | 0.1990% | 829 |
Credit loss provision to net charge-offs | 0.0000% | 2,725 |
Earnings coverage of net charge-offs (x) | 9.2000% | 2,349 |
Efficiency ratio | 71.4729% | 1,991 |
Assets per employee ($millions) | 5.7360% | 1,756 |
Cash dividends to net income (ytd only)* | 96.1538% | 490 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3026% | 2,006 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.5724% | 2,295 |
Noncurrent loans to loans | 0.0000% | 4,745 |
Net loans and leases to total assets | 57.0200% | 4,008 |
Net loans and leases to deposits | 67.2354% | 4,011 |
Net loans and leases to core deposits | 67.2354% | 4,251 |
Total domestic deposits to total assets | 84.8065% | 2,564 |
Equity capital to assets | 8.4960% | 5,043 |
Core capital (leverage) ratio | 8.1400% | 5,128 |
Tier 1 risk-based capital ratio | 12.0022% | 4,415 |
Total risk-based capital ratio | 13.0948% | 4,386 |
Memoranda: | ||
Average total assets | $34,585,000 | 5,086 |
Average earning assets | $32,244,330 | 5,074 |
Average equity | $2,755,330 | 5,202 |
Average total loans | $20,102,670 | 4,977 |
2019-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3304% | 3,465 |
Cost of funding earning assets | 0.6662% | 3,225 |
Net interest margin | 3.6642% | 3,030 |
Noninterest income to average assets | 0.3346% | 3,626 |
Noninterest expense to average assets | 2.6421% | 3,074 |
Loan and lease loss provision to assets | 0.0000% | 3,406 |
Net operating income to assets | 0.9115% | 3,193 |
Return on assets (ROA) | 0.9115% | 3,235 |
Pretax return on assets | 1.1191% | 3,093 |
Return on Equity (ROE) | 11.8308% | 1,598 |
Retained earnings to average equity (ytd only) | -10.6327% | 5,130 |
Net charge-offs to loans | 0.4156% | 370 |
Credit loss provision to net charge-offs | 0.0000% | 2,210 |
Earnings coverage of net charge-offs (x) | 4.6190% | 2,315 |
Efficiency ratio | 70.2454% | 2,298 |
Assets per employee ($millions) | 5.8357% | 1,677 |
Cash dividends to net income (ytd only)* | 189.8734% | 206 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2724% | 2,220 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.7311% | 1,917 |
Noncurrent loans to loans | 0.0000% | 4,814 |
Net loans and leases to total assets | 57.1714% | 3,971 |
Net loans and leases to deposits | 67.8461% | 3,940 |
Net loans and leases to core deposits | 67.8461% | 4,189 |
Total domestic deposits to total assets | 84.2663% | 2,960 |
Equity capital to assets | 7.7141% | 5,233 |
Core capital (leverage) ratio | 7.9113% | 5,227 |
Tier 1 risk-based capital ratio | 11.5103% | 4,739 |
Total risk-based capital ratio | 12.5832% | 4,726 |
Memoranda: | ||
Average total assets | $34,669,500 | 5,137 |
Average earning assets | $32,422,000 | 5,124 |
Average equity | $2,671,000 | 5,263 |
Average total loans | $20,212,500 | 5,035 |
2018-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1703% | 3,527 |
Cost of funding earning assets | 0.5482% | 3,061 |
Net interest margin | 3.6220% | 3,307 |
Noninterest income to average assets | 0.2972% | 4,122 |
Noninterest expense to average assets | 2.5451% | 3,487 |
Loan and lease loss provision to assets | 0.0000% | 4,082 |
Net operating income to assets | 1.0244% | 2,909 |
Return on assets (ROA) | 1.0244% | 2,895 |
Pretax return on assets | 1.1456% | 3,117 |
Return on Equity (ROE) | 13.8036% | 1,095 |
Retained earnings to average equity (ytd only) | 6.0269% | 2,180 |
Net charge-offs to loans | 0.0000% | 3,782 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 68.9601% | 2,396 |
Assets per employee ($millions) | 5.7208% | 1,751 |
Cash dividends to net income (ytd only)* | 56.3380% | 1,666 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3847% | 1,702 |
Loan loss allowance to noncurrent loans | 196.4789% | 2,268 |
Noncurrent assets plus other real estate owned to assets | 0.8565% | 1,631 |
Noncurrent loans to loans | 0.7047% | 2,228 |
Net loans and leases to total assets | 57.8878% | 3,979 |
Net loans and leases to deposits | 65.9848% | 4,121 |
Net loans and leases to core deposits | 65.9848% | 4,359 |
Total domestic deposits to total assets | 87.7291% | 1,432 |
Equity capital to assets | 7.6941% | 5,245 |
Core capital (leverage) ratio | 8.2154% | 5,163 |
Tier 1 risk-based capital ratio | 11.7304% | 4,607 |
Total risk-based capital ratio | 12.8832% | 4,538 |
Memoranda: | ||
Average total assets | $34,654,400 | 5,177 |
Average earning assets | $32,468,000 | 5,161 |
Average equity | $2,571,800 | 5,317 |
Average total loans | $19,856,200 | 5,080 |
2018-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1130% | 3,590 |
Cost of funding earning assets | 0.5571% | 2,811 |
Net interest margin | 3.5559% | 3,501 |
Noninterest income to average assets | 0.3071% | 4,094 |
Noninterest expense to average assets | 2.5179% | 3,533 |
Loan and lease loss provision to assets | 0.0000% | 3,948 |
Net operating income to assets | 1.0363% | 2,936 |
Return on assets (ROA) | 1.0363% | 2,945 |
Pretax return on assets | 1.1208% | 3,317 |
Return on Equity (ROE) | 14.0924% | 1,095 |
Retained earnings to average equity (ytd only) | 3.6536% | 3,939 |
Net charge-offs to loans | -0.0067% | 4,296 |
Credit loss provision to net charge-offs | 0.0000% | 3,085 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 69.1983% | 2,321 |
Assets per employee ($millions) | 5.7297% | 1,710 |
Cash dividends to net income (ytd only)* | 74.0743% | 723 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4257% | 1,604 |
Loan loss allowance to noncurrent loans | 231.4050% | 2,013 |
Noncurrent assets plus other real estate owned to assets | 0.7941% | 1,866 |
Noncurrent loans to loans | 0.6161% | 2,545 |
Net loans and leases to total assets | 56.3151% | 4,189 |
Net loans and leases to deposits | 65.6694% | 4,224 |
Net loans and leases to core deposits | 65.6694% | 4,422 |
Total domestic deposits to total assets | 85.7554% | 2,300 |
Equity capital to assets | 7.3012% | 5,343 |
Core capital (leverage) ratio | 7.8986% | 5,338 |
Tier 1 risk-based capital ratio | 11.4793% | 4,797 |
Total risk-based capital ratio | 12.6464% | 4,734 |
Memoranda: | ||
Average total assets | $34,736,750 | 5,246 |
Average earning assets | $32,546,000 | 5,221 |
Average equity | $2,554,500 | 5,386 |
Average total loans | $19,783,000 | 5,142 |
2018-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0987% | 3,450 |
Cost of funding earning assets | 0.5445% | 2,656 |
Net interest margin | 3.5543% | 3,453 |
Noninterest income to average assets | 0.3443% | 3,876 |
Noninterest expense to average assets | 2.5361% | 3,528 |
Loan and lease loss provision to assets | 0.0000% | 3,782 |
Net operating income to assets | 1.1189% | 2,523 |
Return on assets (ROA) | 1.1189% | 2,523 |
Pretax return on assets | 1.1418% | 3,162 |
Return on Equity (ROE) | 15.1791% | 819 |
Retained earnings to average equity (ytd only) | 7.3949% | 1,888 |
Net charge-offs to loans | 0.0000% | 3,209 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 68.9548% | 2,497 |
Assets per employee ($millions) | 5.7595% | 1,671 |
Cash dividends to net income (ytd only)* | 51.2821% | 1,619 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4759% | 1,467 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.4399% | 2,967 |
Noncurrent loans to loans | 0.0000% | 4,980 |
Net loans and leases to total assets | 53.8965% | 4,347 |
Net loans and leases to deposits | 59.8125% | 4,539 |
Net loans and leases to core deposits | 59.8125% | 4,715 |
Total domestic deposits to total assets | 90.1091% | 533 |
Equity capital to assets | 7.4399% | 5,390 |
Core capital (leverage) ratio | 7.9815% | 5,350 |
Tier 1 risk-based capital ratio | 11.6996% | 4,689 |
Total risk-based capital ratio | 12.8742% | 4,606 |
Memoranda: | ||
Average total assets | $34,856,330 | 5,309 |
Average earning assets | $32,693,000 | 5,282 |
Average equity | $2,569,330 | 5,446 |
Average total loans | $19,830,670 | 5,200 |
2018-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0095% | 3,573 |
Cost of funding earning assets | 0.5728% | 2,232 |
Net interest margin | 3.4367% | 3,748 |
Noninterest income to average assets | 0.3542% | 3,780 |
Noninterest expense to average assets | 2.5824% | 3,384 |
Loan and lease loss provision to assets | 0.0000% | 3,508 |
Net operating income to assets | 0.7427% | 3,932 |
Return on assets (ROA) | 0.7427% | 3,934 |
Pretax return on assets | 0.9941% | 3,553 |
Return on Equity (ROE) | 10.1226% | 2,368 |
Retained earnings to average equity (ytd only) | -5.4507% | 5,223 |
Net charge-offs to loans | 0.0000% | 2,722 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 72.2045% | 2,165 |
Assets per employee ($millions) | 5.7620% | 1,715 |
Cash dividends to net income (ytd only)* | 153.8462% | 302 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4313% | 1,724 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.4397% | 3,084 |
Noncurrent loans to loans | 0.0000% | 5,035 |
Net loans and leases to total assets | 55.5768% | 4,154 |
Net loans and leases to deposits | 64.5502% | 4,177 |
Net loans and leases to core deposits | 64.5502% | 4,387 |
Total domestic deposits to total assets | 86.0986% | 2,507 |
Equity capital to assets | 7.1677% | 5,494 |
Core capital (leverage) ratio | 7.6042% | 5,487 |
Tier 1 risk-based capital ratio | 11.0855% | 5,091 |
Total risk-based capital ratio | 12.2531% | 5,031 |
Memoranda: | ||
Average total assets | $35,006,000 | 5,363 |
Average earning assets | $32,822,000 | 5,337 |
Average equity | $2,568,500 | 5,505 |
Average total loans | $20,294,000 | 5,247 |
2017-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1719% | 2,801 |
Cost of funding earning assets | 0.5727% | 1,802 |
Net interest margin | 3.5992% | 3,169 |
Noninterest income to average assets | 0.2199% | 4,835 |
Noninterest expense to average assets | 2.5531% | 3,595 |
Loan and lease loss provision to assets | 0.0428% | 3,390 |
Net operating income to assets | 1.0709% | 1,972 |
Return on assets (ROA) | 1.0709% | 1,995 |
Pretax return on assets | 0.9624% | 3,694 |
Return on Equity (ROE) | 14.7522% | 646 |
Retained earnings to average equity (ytd only) | 6.8843% | 1,122 |
Net charge-offs to loans | -0.0526% | 5,206 |
Credit loss provision to net charge-offs | -136.3636% | 4,748 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 71.7496% | 2,264 |
Assets per employee ($millions) | 5.9067% | 1,584 |
Cash dividends to net income (ytd only)* | 53.3333% | 2,099 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3226% | 2,105 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.5869% | 2,598 |
Noncurrent loans to loans | 0.0000% | 5,081 |
Net loans and leases to total assets | 58.7359% | 3,946 |
Net loans and leases to deposits | 68.4782% | 3,991 |
Net loans and leases to core deposits | 68.4782% | 4,264 |
Total domestic deposits to total assets | 85.7731% | 2,546 |
Equity capital to assets | 7.5028% | 5,535 |
Core capital (leverage) ratio | 7.5111% | 5,559 |
Tier 1 risk-based capital ratio | 10.6648% | 5,311 |
Total risk-based capital ratio | 11.7734% | 5,265 |
Memoranda: | ||
Average total assets | $35,016,800 | 5,412 |
Average earning assets | $32,479,400 | 5,396 |
Average equity | $2,542,000 | 5,567 |
Average total loans | $20,927,400 | 5,288 |
2017-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1778% | 2,694 |
Cost of funding earning assets | 0.5614% | 1,795 |
Net interest margin | 3.6163% | 3,083 |
Noninterest income to average assets | 0.2673% | 4,597 |
Noninterest expense to average assets | 2.5359% | 3,608 |
Loan and lease loss provision to assets | 0.0573% | 2,942 |
Net operating income to assets | 0.7524% | 3,727 |
Return on assets (ROA) | 0.7524% | 3,786 |
Pretax return on assets | 1.0197% | 3,608 |
Return on Equity (ROE) | 10.4531% | 1,927 |
Retained earnings to average equity (ytd only) | -0.1592% | 5,232 |
Net charge-offs to loans | -0.0638% | 5,242 |
Credit loss provision to net charge-offs | -150.0000% | 4,574 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 70.1903% | 2,507 |
Assets per employee ($millions) | 5.8683% | 1,595 |
Cash dividends to net income (ytd only)* | 101.5229% | 293 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3285% | 2,212 |
Loan loss allowance to noncurrent loans | 289.5833% | 1,630 |
Noncurrent assets plus other real estate owned to assets | 1.0679% | 1,569 |
Noncurrent loans to loans | 0.4588% | 3,332 |
Net loans and leases to total assets | 58.6424% | 4,003 |
Net loans and leases to deposits | 67.3934% | 4,154 |
Net loans and leases to core deposits | 67.3934% | 4,395 |
Total domestic deposits to total assets | 87.0151% | 1,869 |
Equity capital to assets | 7.2025% | 5,644 |
Core capital (leverage) ratio | 7.1709% | 5,659 |
Tier 1 risk-based capital ratio | 10.0550% | 5,587 |
Total risk-based capital ratio | 11.1709% | 5,581 |
Memoranda: | ||
Average total assets | $34,911,000 | 5,471 |
Average earning assets | $32,297,000 | 5,456 |
Average equity | $2,512,750 | 5,632 |
Average total loans | $20,885,500 | 5,346 |
2017-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1715% | 2,577 |
Cost of funding earning assets | 0.5587% | 1,719 |
Net interest margin | 3.6128% | 2,987 |
Noninterest income to average assets | 0.3332% | 4,162 |
Noninterest expense to average assets | 2.5739% | 3,512 |
Loan and lease loss provision to assets | 0.0862% | 2,264 |
Net operating income to assets | 0.7526% | 3,632 |
Return on assets (ROA) | 0.7526% | 3,683 |
Pretax return on assets | 1.0169% | 3,497 |
Return on Equity (ROE) | 10.4591% | 1,856 |
Retained earnings to average equity (ytd only) | 2.4750% | 4,205 |
Net charge-offs to loans | -0.0192% | 4,767 |
Credit loss provision to net charge-offs | -750.0000% | 4,759 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 70.0000% | 2,676 |
Assets per employee ($millions) | 6.0573% | 1,413 |
Cash dividends to net income (ytd only)* | 76.3359% | 944 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3144% | 2,338 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.8832% | 2,009 |
Noncurrent loans to loans | 0.0000% | 5,209 |
Net loans and leases to total assets | 55.7754% | 4,248 |
Net loans and leases to deposits | 63.7373% | 4,386 |
Net loans and leases to core deposits | 63.7373% | 4,618 |
Total domestic deposits to total assets | 87.5083% | 1,715 |
Equity capital to assets | 7.1181% | 5,701 |
Core capital (leverage) ratio | 7.2249% | 5,690 |
Tier 1 risk-based capital ratio | 10.1515% | 5,589 |
Total risk-based capital ratio | 11.2306% | 5,591 |
Memoranda: | ||
Average total assets | $34,811,330 | 5,521 |
Average earning assets | $32,218,670 | 5,504 |
Average equity | $2,505,000 | 5,678 |
Average total loans | $20,872,000 | 5,383 |
2017-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0441% | 2,883 |
Cost of funding earning assets | 0.5596% | 1,649 |
Net interest margin | 3.4846% | 3,334 |
Noninterest income to average assets | 0.3525% | 4,022 |
Noninterest expense to average assets | 2.7376% | 3,001 |
Loan and lease loss provision to assets | 0.1057% | 1,808 |
Net operating income to assets | 0.5757% | 4,256 |
Return on assets (ROA) | 0.5757% | 4,301 |
Pretax return on assets | 0.7284% | 4,348 |
Return on Equity (ROE) | 7.9545% | 2,945 |
Retained earnings to average equity (ytd only) | -8.2792% | 5,533 |
Net charge-offs to loans | -0.0190% | 4,715 |
Credit loss provision to net charge-offs | -900.0000% | 4,382 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 76.6447% | 1,812 |
Assets per employee ($millions) | 5.0537% | 2,373 |
Cash dividends to net income (ytd only)* | 204.0816% | 229 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2735% | 2,666 |
Loan loss allowance to noncurrent loans | 1,011.5385% | 601 |
Noncurrent assets plus other real estate owned to assets | 0.8000% | 2,298 |
Noncurrent loans to loans | 0.1259% | 4,684 |
Net loans and leases to total assets | 57.6323% | 4,006 |
Net loans and leases to deposits | 62.4040% | 4,410 |
Net loans and leases to core deposits | 62.4040% | 4,622 |
Total domestic deposits to total assets | 92.3536% | 75 |
Equity capital to assets | 6.9115% | 5,764 |
Core capital (leverage) ratio | 7.3817% | 5,726 |
Tier 1 risk-based capital ratio | 9.9781% | 5,702 |
Total risk-based capital ratio | 11.0461% | 5,719 |
Memoranda: | ||
Average total assets | $34,045,000 | 5,601 |
Average earning assets | $31,453,000 | 5,587 |
Average equity | $2,464,000 | 5,747 |
Average total loans | $21,037,500 | 5,433 |
2016-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2095% | 2,454 |
Cost of funding earning assets | 0.5138% | 1,989 |
Net interest margin | 3.6957% | 2,710 |
Noninterest income to average assets | 0.7074% | 2,143 |
Noninterest expense to average assets | 2.8415% | 2,870 |
Loan and lease loss provision to assets | 0.1995% | 1,163 |
Net operating income to assets | 0.7829% | 3,385 |
Return on assets (ROA) | 0.7829% | 3,485 |
Pretax return on assets | 1.0580% | 3,268 |
Return on Equity (ROE) | 9.8524% | 2,024 |
Retained earnings to average equity (ytd only) | -7.2657% | 5,738 |
Net charge-offs to loans | 0.2262% | 1,230 |
Credit loss provision to net charge-offs | 137.5000% | 1,977 |
Earnings coverage of net charge-offs (x) | 8.6667% | 2,848 |
Efficiency ratio | 69.3215% | 3,019 |
Assets per employee ($millions) | 4.6734% | 2,839 |
Cash dividends to net income (ytd only)* | 173.7452% | 110 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1809% | 3,234 |
Loan loss allowance to noncurrent loans | 973.0769% | 629 |
Noncurrent assets plus other real estate owned to assets | 0.8651% | 2,184 |
Noncurrent loans to loans | 0.1214% | 4,749 |
Net loans and leases to total assets | 64.7154% | 3,256 |
Net loans and leases to deposits | 76.3717% | 3,279 |
Net loans and leases to core deposits | 76.3717% | 3,719 |
Total domestic deposits to total assets | 84.7374% | 3,161 |
Equity capital to assets | 7.5900% | 5,694 |
Core capital (leverage) ratio | 7.4745% | 5,758 |
Tier 1 risk-based capital ratio | 10.4226% | 5,605 |
Total risk-based capital ratio | 11.4740% | 5,628 |
Memoranda: | ||
Average total assets | $33,080,800 | 5,671 |
Average earning assets | $30,359,800 | 5,656 |
Average equity | $2,628,800 | 5,791 |
Average total loans | $21,219,200 | 5,479 |
2016-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1687% | 2,615 |
Cost of funding earning assets | 0.4997% | 2,106 |
Net interest margin | 3.6689% | 2,832 |
Noninterest income to average assets | 0.8722% | 1,506 |
Noninterest expense to average assets | 2.8095% | 2,967 |
Loan and lease loss provision to assets | 0.2291% | 878 |
Net operating income to assets | 0.8682% | 3,056 |
Return on assets (ROA) | 0.8682% | 3,181 |
Pretax return on assets | 1.1977% | 2,847 |
Return on Equity (ROE) | 10.8054% | 1,746 |
Retained earnings to average equity (ytd only) | -11.7058% | 5,861 |
Net charge-offs to loans | 0.1575% | 1,435 |
Credit loss provision to net charge-offs | 228.0000% | 1,297 |
Earnings coverage of net charge-offs (x) | 14.2010% | 2,254 |
Efficiency ratio | 66.3188% | 3,538 |
Assets per employee ($millions) | 4.7726% | 2,649 |
Cash dividends to net income (ytd only)* | 208.3371% | 80 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2509% | 2,950 |
Loan loss allowance to noncurrent loans | 321.6867% | 1,531 |
Noncurrent assets plus other real estate owned to assets | 1.0447% | 1,972 |
Noncurrent loans to loans | 0.3889% | 3,868 |
Net loans and leases to total assets | 63.0897% | 3,509 |
Net loans and leases to deposits | 77.1288% | 3,273 |
Net loans and leases to core deposits | 77.1288% | 3,739 |
Total domestic deposits to total assets | 81.7978% | 4,005 |
Equity capital to assets | 7.6359% | 5,825 |
Core capital (leverage) ratio | 7.4016% | 5,841 |
Tier 1 risk-based capital ratio | 10.2341% | 5,726 |
Total risk-based capital ratio | 11.3421% | 5,713 |
Memoranda: | ||
Average total assets | $33,172,500 | 5,724 |
Average earning assets | $30,416,750 | 5,712 |
Average equity | $2,665,250 | 5,849 |
Average total loans | $21,168,000 | 5,529 |
2016-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1929% | 2,532 |
Cost of funding earning assets | 0.4952% | 2,140 |
Net interest margin | 3.6977% | 2,706 |
Noninterest income to average assets | 1.1362% | 869 |
Noninterest expense to average assets | 2.7860% | 3,070 |
Loan and lease loss provision to assets | 0.2901% | 630 |
Net operating income to assets | 1.0274% | 2,261 |
Return on assets (ROA) | 1.0274% | 2,402 |
Pretax return on assets | 1.4444% | 1,859 |
Return on Equity (ROE) | 12.5771% | 1,143 |
Retained earnings to average equity (ytd only) | 1.4797% | 4,786 |
Net charge-offs to loans | 0.2369% | 994 |
Credit loss provision to net charge-offs | 192.0000% | 1,343 |
Earnings coverage of net charge-offs (x) | 11.4800% | 2,257 |
Efficiency ratio | 61.6310% | 4,402 |
Assets per employee ($millions) | 4.8447% | 2,493 |
Cash dividends to net income (ytd only)* | 88.2353% | 722 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2268% | 3,209 |
Loan loss allowance to noncurrent loans | 310.8434% | 1,587 |
Noncurrent assets plus other real estate owned to assets | 1.0291% | 2,076 |
Noncurrent loans to loans | 0.3947% | 3,950 |
Net loans and leases to total assets | 61.2508% | 3,715 |
Net loans and leases to deposits | 69.2008% | 4,059 |
Net loans and leases to core deposits | 69.2008% | 4,392 |
Total domestic deposits to total assets | 88.5118% | 1,159 |
Equity capital to assets | 8.2476% | 5,716 |
Core capital (leverage) ratio | 7.8957% | 5,782 |
Tier 1 risk-based capital ratio | 11.3703% | 5,235 |
Total risk-based capital ratio | 12.4488% | 5,231 |
Memoranda: | ||
Average total assets | $33,094,000 | 5,798 |
Average earning assets | $30,289,000 | 5,783 |
Average equity | $2,703,330 | 5,919 |
Average total loans | $21,109,330 | 5,592 |
2016-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1884% | 2,516 |
Cost of funding earning assets | 0.4787% | 2,289 |
Net interest margin | 3.7097% | 2,629 |
Noninterest income to average assets | 0.4161% | 3,711 |
Noninterest expense to average assets | 2.8760% | 2,788 |
Loan and lease loss provision to assets | 0.1101% | 1,889 |
Net operating income to assets | 0.6486% | 3,981 |
Return on assets (ROA) | 0.6486% | 4,103 |
Pretax return on assets | 0.8444% | 4,050 |
Return on Equity (ROE) | 7.9804% | 2,922 |
Retained earnings to average equity (ytd only) | -14.6057% | 5,899 |
Net charge-offs to loans | 0.4728% | 472 |
Credit loss provision to net charge-offs | 36.0000% | 2,172 |
Earnings coverage of net charge-offs (x) | 3.1200% | 2,582 |
Efficiency ratio | 75.0799% | 2,314 |
Assets per employee ($millions) | 4.7046% | 2,735 |
Cash dividends to net income (ytd only)* | 283.0189% | 137 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0286% | 4,454 |
Loan loss allowance to noncurrent loans | 59.6730% | 4,589 |
Noncurrent assets plus other real estate owned to assets | 1.8857% | 955 |
Noncurrent loans to loans | 1.7237% | 1,302 |
Net loans and leases to total assets | 63.9864% | 3,243 |
Net loans and leases to deposits | 70.2517% | 3,837 |
Net loans and leases to core deposits | 70.2517% | 4,228 |
Total domestic deposits to total assets | 91.0816% | 248 |
Equity capital to assets | 7.9892% | 5,829 |
Core capital (leverage) ratio | 7.8340% | 5,837 |
Tier 1 risk-based capital ratio | 10.7633% | 5,632 |
Total risk-based capital ratio | 11.6689% | 5,708 |
Memoranda: | ||
Average total assets | $32,684,500 | 5,866 |
Average earning assets | $30,083,000 | 5,846 |
Average equity | $2,656,500 | 5,976 |
Average total loans | $21,149,000 | 5,640 |
2015-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0762% | 3,018 |
Cost of funding earning assets | 0.4201% | 2,938 |
Net interest margin | 3.6561% | 2,914 |
Noninterest income to average assets | 0.2908% | 4,811 |
Noninterest expense to average assets | 2.6146% | 3,868 |
Loan and lease loss provision to assets | 0.2878% | 610 |
Net operating income to assets | 0.5898% | 4,328 |
Return on assets (ROA) | 0.5968% | 4,390 |
Pretax return on assets | 0.7726% | 4,285 |
Return on Equity (ROE) | 7.3844% | 3,312 |
Retained earnings to average equity (ytd only) | 2.6989% | 4,151 |
Net charge-offs to loans | 0.4939% | 544 |
Credit loss provision to net charge-offs | 93.1373% | 2,699 |
Earnings coverage of net charge-offs (x) | 3.4020% | 3,732 |
Efficiency ratio | 71.3223% | 3,012 |
Assets per employee ($millions) | 4.6339% | 2,843 |
Cash dividends to net income (ytd only)* | 63.4518% | 1,566 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1187% | 3,943 |
Loan loss allowance to noncurrent loans | 83.6299% | 4,046 |
Noncurrent assets plus other real estate owned to assets | 1.2177% | 1,777 |
Noncurrent loans to loans | 1.3376% | 1,758 |
Net loans and leases to total assets | 64.0380% | 3,275 |
Net loans and leases to deposits | 75.2527% | 3,348 |
Net loans and leases to core deposits | 75.2527% | 3,824 |
Total domestic deposits to total assets | 85.0973% | 3,045 |
Equity capital to assets | 8.2683% | 5,726 |
Core capital (leverage) ratio | 8.2209% | 5,676 |
Tier 1 risk-based capital ratio | 11.4910% | 5,264 |
Total risk-based capital ratio | 12.4915% | 5,300 |
Memoranda: | ||
Average total assets | $33,007,200 | 5,910 |
Average earning assets | $30,469,400 | 5,894 |
Average equity | $2,667,800 | 6,035 |
Average total loans | $20,653,000 | 5,696 |
2015-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0278% | 3,225 |
Cost of funding earning assets | 0.4180% | 3,026 |
Net interest margin | 3.6098% | 3,122 |
Noninterest income to average assets | 0.3017% | 4,776 |
Noninterest expense to average assets | 2.6304% | 3,770 |
Loan and lease loss provision to assets | 0.2453% | 708 |
Net operating income to assets | 0.5811% | 4,470 |
Return on assets (ROA) | 0.5872% | 4,540 |
Pretax return on assets | 0.7682% | 4,433 |
Return on Equity (ROE) | 7.3064% | 3,464 |
Retained earnings to average equity (ytd only) | 1.0510% | 5,295 |
Net charge-offs to loans | 0.4214% | 608 |
Credit loss provision to net charge-offs | 93.8462% | 2,413 |
Earnings coverage of net charge-offs (x) | 3.8464% | 3,445 |
Efficiency ratio | 72.3451% | 2,820 |
Assets per employee ($millions) | 5.5487% | 1,741 |
Cash dividends to net income (ytd only)* | 85.6159% | 622 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1389% | 4,004 |
Loan loss allowance to noncurrent loans | 67.2316% | 4,479 |
Noncurrent assets plus other real estate owned to assets | 1.4057% | 1,636 |
Noncurrent loans to loans | 1.6940% | 1,431 |
Net loans and leases to total assets | 62.0539% | 3,599 |
Net loans and leases to deposits | 83.4673% | 2,458 |
Net loans and leases to core deposits | 83.4673% | 3,105 |
Total domestic deposits to total assets | 74.3452% | 5,682 |
Equity capital to assets | 7.9749% | 5,967 |
Core capital (leverage) ratio | 7.9670% | 5,922 |
Tier 1 risk-based capital ratio | 11.2695% | 5,510 |
Total risk-based capital ratio | 12.2824% | 5,543 |
Memoranda: | ||
Average total assets | $33,149,750 | 5,990 |
Average earning assets | $30,620,000 | 5,970 |
Average equity | $2,664,250 | 6,119 |
Average total loans | $20,564,500 | 5,768 |
2015-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9697% | 3,407 |
Cost of funding earning assets | 0.4251% | 2,982 |
Net interest margin | 3.5446% | 3,310 |
Noninterest income to average assets | 0.3142% | 4,704 |
Noninterest expense to average assets | 2.7007% | 3,593 |
Loan and lease loss provision to assets | 0.1631% | 1,298 |
Net operating income to assets | 0.5468% | 4,570 |
Return on assets (ROA) | 0.5559% | 4,643 |
Pretax return on assets | 0.7371% | 4,536 |
Return on Equity (ROE) | 6.8983% | 3,673 |
Retained earnings to average equity (ytd only) | 6.8983% | 1,742 |
Net charge-offs to loans | 0.4009% | 648 |
Credit loss provision to net charge-offs | 65.8537% | 2,527 |
Earnings coverage of net charge-offs (x) | 3.5854% | 3,171 |
Efficiency ratio | 75.2525% | 2,503 |
Assets per employee ($millions) | 5.5683% | 1,683 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1053% | 4,294 |
Loan loss allowance to noncurrent loans | 90.8367% | 3,942 |
Noncurrent assets plus other real estate owned to assets | 1.0925% | 2,325 |
Noncurrent loans to loans | 1.2168% | 2,219 |
Net loans and leases to total assets | 61.0596% | 3,683 |
Net loans and leases to deposits | 75.2962% | 3,345 |
Net loans and leases to core deposits | 75.2962% | 3,824 |
Total domestic deposits to total assets | 81.0925% | 4,587 |
Equity capital to assets | 8.1562% | 5,909 |
Core capital (leverage) ratio | 8.1765% | 5,806 |
Tier 1 risk-based capital ratio | 11.7133% | 5,331 |
Total risk-based capital ratio | 12.6955% | 5,418 |
Memoranda: | ||
Average total assets | $33,102,330 | 6,060 |
Average earning assets | $30,582,000 | 6,037 |
Average equity | $2,667,330 | 6,184 |
Average total loans | $20,453,670 | 5,828 |
2015-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9164% | 3,532 |
Cost of funding earning assets | 0.4439% | 2,840 |
Net interest margin | 3.4725% | 3,541 |
Noninterest income to average assets | 0.3156% | 4,664 |
Noninterest expense to average assets | 2.8894% | 2,943 |
Loan and lease loss provision to assets | 0.1700% | 1,168 |
Net operating income to assets | 0.3885% | 5,113 |
Return on assets (ROA) | 0.3885% | 5,231 |
Pretax return on assets | 0.4856% | 5,218 |
Return on Equity (ROE) | 4.8512% | 4,605 |
Retained earnings to average equity (ytd only) | 4.8512% | 3,145 |
Net charge-offs to loans | 0.0000% | 3,288 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 81.5068% | 1,683 |
Assets per employee ($millions) | 4.1045% | 3,753 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2480% | 3,702 |
Loan loss allowance to noncurrent loans | 112.7753% | 3,409 |
Noncurrent assets plus other real estate owned to assets | 1.0385% | 2,543 |
Noncurrent loans to loans | 1.1067% | 2,554 |
Net loans and leases to total assets | 61.6884% | 3,420 |
Net loans and leases to deposits | 72.4282% | 3,498 |
Net loans and leases to core deposits | 72.4282% | 3,922 |
Total domestic deposits to total assets | 85.1718% | 3,321 |
Equity capital to assets | 8.1679% | 5,955 |
Core capital (leverage) ratio | 8.0222% | 5,933 |
Tier 1 risk-based capital ratio | 11.8840% | 5,319 |
Total risk-based capital ratio | 11.8840% | 5,893 |
Memoranda: | ||
Average total assets | $32,948,500 | 6,126 |
Average earning assets | $30,640,500 | 6,099 |
Average equity | $2,638,500 | 6,251 |
Average total loans | $20,366,500 | 5,881 |
2014-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2787% | 2,687 |
Cost of funding earning assets | 0.5576% | 2,152 |
Net interest margin | 3.7210% | 2,920 |
Noninterest income to average assets | 0.6047% | 2,828 |
Noninterest expense to average assets | 3.3135% | 1,896 |
Loan and lease loss provision to assets | 0.9663% | 118 |
Net operating income to assets | 0.0049% | 6,085 |
Return on assets (ROA) | 0.0468% | 6,053 |
Pretax return on assets | -0.1777% | 6,177 |
Return on Equity (ROE) | 0.5711% | 6,027 |
Retained earnings to average equity (ytd only) | 0.5711% | 5,513 |
Net charge-offs to loans | 1.4637% | 169 |
Credit loss provision to net charge-offs | 108.3916% | 2,200 |
Earnings coverage of net charge-offs (x) | 0.8112% | 4,559 |
Efficiency ratio | 82.0849% | 1,651 |
Assets per employee ($millions) | 4.1326% | 3,661 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1968% | 4,020 |
Loan loss allowance to noncurrent loans | 129.4118% | 3,135 |
Noncurrent assets plus other real estate owned to assets | 0.9104% | 2,939 |
Noncurrent loans to loans | 0.9248% | 3,004 |
Net loans and leases to total assets | 60.4307% | 3,733 |
Net loans and leases to deposits | 71.8747% | 3,695 |
Net loans and leases to core deposits | 71.8747% | 4,133 |
Total domestic deposits to total assets | 84.0779% | 3,681 |
Equity capital to assets | 7.8491% | 6,128 |
Core capital (leverage) ratio | 8.1592% | 5,881 |
Tier 1 risk-based capital ratio | 11.5036% | 5,659 |
Total risk-based capital ratio | 12.5629% | 5,684 |
Memoranda: | ||
Average total assets | $32,080,400 | 6,216 |
Average earning assets | $29,588,600 | 6,189 |
Average equity | $2,626,400 | 6,328 |
Average total loans | $19,539,200 | 5,981 |
2014-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3782% | 2,299 |
Cost of funding earning assets | 0.5598% | 2,198 |
Net interest margin | 3.8184% | 2,547 |
Noninterest income to average assets | 0.6868% | 2,396 |
Noninterest expense to average assets | 3.2793% | 1,951 |
Loan and lease loss provision to assets | 1.1643% | 82 |
Net operating income to assets | 0.0191% | 6,127 |
Return on assets (ROA) | 0.0754% | 6,081 |
Pretax return on assets | -0.1550% | 6,235 |
Return on Equity (ROE) | 0.9111% | 6,043 |
Retained earnings to average equity (ytd only) | 0.9111% | 5,518 |
Net charge-offs to loans | 1.3974% | 180 |
Credit loss provision to net charge-offs | 136.9458% | 1,706 |
Earnings coverage of net charge-offs (x) | 1.0838% | 4,240 |
Efficiency ratio | 78.0658% | 2,174 |
Assets per employee ($millions) | 3.9249% | 4,036 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5255% | 2,594 |
Loan loss allowance to noncurrent loans | 46.3608% | 5,262 |
Noncurrent assets plus other real estate owned to assets | 2.3759% | 1,146 |
Noncurrent loans to loans | 3.2905% | 761 |
Net loans and leases to total assets | 60.2376% | 3,747 |
Net loans and leases to deposits | 73.1032% | 3,550 |
Net loans and leases to core deposits | 73.1032% | 4,038 |
Total domestic deposits to total assets | 82.4007% | 4,338 |
Equity capital to assets | 8.3092% | 5,932 |
Core capital (leverage) ratio | 8.2307% | 5,901 |
Tier 1 risk-based capital ratio | 12.3984% | 5,228 |
Total risk-based capital ratio | 13.6528% | 5,155 |
Memoranda: | ||
Average total assets | $31,835,250 | 6,294 |
Average earning assets | $29,296,000 | 6,271 |
Average equity | $2,634,250 | 6,400 |
Average total loans | $19,368,750 | 6,052 |
2014-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5963% | 1,540 |
Cost of funding earning assets | 0.5711% | 2,154 |
Net interest margin | 4.0252% | 1,745 |
Noninterest income to average assets | 0.3690% | 4,489 |
Noninterest expense to average assets | 3.1019% | 2,490 |
Loan and lease loss provision to assets | 0.1751% | 1,397 |
Net operating income to assets | 0.7254% | 3,695 |
Return on assets (ROA) | 0.7254% | 3,796 |
Pretax return on assets | 0.7942% | 4,296 |
Return on Equity (ROE) | 8.7790% | 2,704 |
Retained earnings to average equity (ytd only) | 8.7790% | 1,056 |
Net charge-offs to loans | 0.0000% | 4,375 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 76.1905% | 2,597 |
Assets per employee ($millions) | 3.9438% | 3,962 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2831% | 3,944 |
Loan loss allowance to noncurrent loans | 64.9077% | 4,666 |
Noncurrent assets plus other real estate owned to assets | 1.5626% | 2,086 |
Noncurrent loans to loans | 1.9768% | 1,710 |
Net loans and leases to total assets | 59.9873% | 3,715 |
Net loans and leases to deposits | 66.5775% | 4,209 |
Net loans and leases to core deposits | 66.5775% | 4,585 |
Total domestic deposits to total assets | 90.1014% | 760 |
Equity capital to assets | 8.6878% | 5,621 |
Core capital (leverage) ratio | 8.3000% | 5,848 |
Tier 1 risk-based capital ratio | 12.8631% | 5,001 |
Total risk-based capital ratio | 14.0192% | 4,996 |
Memoranda: | ||
Average total assets | $31,980,670 | 6,353 |
Average earning assets | $29,415,000 | 6,327 |
Average equity | $2,642,670 | 6,455 |
Average total loans | $19,422,670 | 6,101 |
2014-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0164% | 696 |
Cost of funding earning assets | 0.5933% | 2,028 |
Net interest margin | 4.4231% | 765 |
Noninterest income to average assets | 0.1739% | 5,927 |
Noninterest expense to average assets | 2.7457% | 3,776 |
Loan and lease loss provision to assets | 0.1988% | 1,176 |
Net operating income to assets | 1.2548% | 1,331 |
Return on assets (ROA) | 1.2548% | 1,388 |
Pretax return on assets | 1.3045% | 2,075 |
Return on Equity (ROE) | 15.5774% | 693 |
Retained earnings to average equity (ytd only) | 15.5774% | 294 |
Net charge-offs to loans | 0.0000% | 3,660 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 64.6199% | 4,759 |
Assets per employee ($millions) | 3.9639% | 4,019 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2276% | 4,508 |
Loan loss allowance to noncurrent loans | 60.4651% | 4,820 |
Noncurrent assets plus other real estate owned to assets | 1.7376% | 2,032 |
Noncurrent loans to loans | 2.0303% | 1,837 |
Net loans and leases to total assets | 59.3706% | 3,657 |
Net loans and leases to deposits | 67.9552% | 3,861 |
Net loans and leases to core deposits | 67.9552% | 4,317 |
Total domestic deposits to total assets | 87.3672% | 2,587 |
Equity capital to assets | 8.4229% | 5,724 |
Core capital (leverage) ratio | 8.3590% | 5,792 |
Tier 1 risk-based capital ratio | 12.8784% | 5,077 |
Total risk-based capital ratio | 13.9888% | 5,104 |
Memoranda: | ||
Average total assets | $32,196,000 | 6,411 |
Average earning assets | $29,662,500 | 6,387 |
Average equity | $2,593,500 | 6,522 |
Average total loans | $19,548,000 | 6,154 |
2013-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9597% | 994 |
Cost of funding earning assets | 0.7754% | 1,346 |
Net interest margin | 4.1844% | 1,403 |
Noninterest income to average assets | 0.0967% | 6,398 |
Noninterest expense to average assets | 2.7950% | 3,743 |
Loan and lease loss provision to assets | 1.2600% | 124 |
Net operating income to assets | 0.0363% | 6,156 |
Return on assets (ROA) | 0.0363% | 6,199 |
Pretax return on assets | -0.1753% | 6,337 |
Return on Equity (ROE) | 0.4447% | 6,177 |
Retained earnings to average equity (ytd only) | 0.4447% | 5,648 |
Net charge-offs to loans | 2.0499% | 180 |
Credit loss provision to net charge-offs | 103.4739% | 2,343 |
Earnings coverage of net charge-offs (x) | 0.8908% | 4,788 |
Efficiency ratio | 72.0405% | 3,463 |
Assets per employee ($millions) | 4.0851% | 3,685 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0881% | 5,209 |
Loan loss allowance to noncurrent loans | 50.6977% | 5,226 |
Noncurrent assets plus other real estate owned to assets | 1.8084% | 2,036 |
Noncurrent loans to loans | 2.1462% | 1,832 |
Net loans and leases to total assets | 60.6377% | 3,603 |
Net loans and leases to deposits | 71.4203% | 3,604 |
Net loans and leases to core deposits | 71.4203% | 4,140 |
Total domestic deposits to total assets | 84.9025% | 3,794 |
Equity capital to assets | 7.6987% | 6,187 |
Core capital (leverage) ratio | 7.6887% | 6,308 |
Tier 1 risk-based capital ratio | 11.4622% | 5,924 |
Total risk-based capital ratio | 12.4188% | 6,045 |
Memoranda: | ||
Average total assets | $33,094,600 | 6,456 |
Average earning assets | $29,921,000 | 6,448 |
Average equity | $2,698,200 | 6,590 |
Average total loans | $19,659,400 | 6,221 |
2013-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1686% | 691 |
Cost of funding earning assets | 0.8481% | 1,059 |
Net interest margin | 4.3206% | 1,049 |
Noninterest income to average assets | 0.0201% | 6,696 |
Noninterest expense to average assets | 2.7069% | 3,997 |
Loan and lease loss provision to assets | 1.6105% | 73 |
Net operating income to assets | -0.1044% | 6,383 |
Return on assets (ROA) | -0.1044% | 6,423 |
Pretax return on assets | -0.4097% | 6,562 |
Return on Equity (ROE) | -1.2636% | 6,441 |
Retained earnings to average equity (ytd only) | -1.2636% | 6,170 |
Net charge-offs to loans | 0.2181% | 2,519 |
Credit loss provision to net charge-offs | 1,253.1250% | 252 |
Earnings coverage of net charge-offs (x) | 9.3429% | 2,494 |
Efficiency ratio | 69.2703% | 3,877 |
Assets per employee ($millions) | 3.6093% | 4,643 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.9551% | 576 |
Loan loss allowance to noncurrent loans | 97.6150% | 3,532 |
Noncurrent assets plus other real estate owned to assets | 2.6536% | 1,422 |
Noncurrent loans to loans | 3.0273% | 1,323 |
Net loans and leases to total assets | 57.9270% | 4,022 |
Net loans and leases to deposits | 67.0862% | 4,164 |
Net loans and leases to core deposits | 67.0862% | 4,613 |
Total domestic deposits to total assets | 86.3471% | 3,049 |
Equity capital to assets | 7.8162% | 6,251 |
Core capital (leverage) ratio | 7.7193% | 6,366 |
Tier 1 risk-based capital ratio | 11.6772% | 5,960 |
Total risk-based capital ratio | 12.9883% | 5,887 |
Memoranda: | ||
Average total assets | $33,198,000 | 6,527 |
Average earning assets | $29,871,750 | 6,519 |
Average equity | $2,743,750 | 6,656 |
Average total loans | $19,565,500 | 6,293 |
2013-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8389% | 1,241 |
Cost of funding earning assets | 0.8398% | 1,204 |
Net interest margin | 3.9991% | 1,858 |
Noninterest income to average assets | 0.3768% | 4,694 |
Noninterest expense to average assets | 2.5721% | 4,484 |
Loan and lease loss provision to assets | 0.8554% | 240 |
Net operating income to assets | 0.5084% | 4,770 |
Return on assets (ROA) | 0.5084% | 4,931 |
Pretax return on assets | 0.5383% | 5,242 |
Return on Equity (ROE) | 6.0455% | 4,147 |
Retained earnings to average equity (ytd only) | 6.0455% | 2,406 |
Net charge-offs to loans | 0.2140% | 2,480 |
Credit loss provision to net charge-offs | 680.9524% | 433 |
Earnings coverage of net charge-offs (x) | 11.0952% | 2,084 |
Efficiency ratio | 64.8567% | 4,733 |
Assets per employee ($millions) | 3.7091% | 4,381 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6851% | 2,831 |
Loan loss allowance to noncurrent loans | 159.0244% | 2,412 |
Noncurrent assets plus other real estate owned to assets | 1.4139% | 2,984 |
Noncurrent loans to loans | 1.0597% | 3,814 |
Net loans and leases to total assets | 56.9768% | 4,138 |
Net loans and leases to deposits | 62.8823% | 4,643 |
Net loans and leases to core deposits | 62.8823% | 5,020 |
Total domestic deposits to total assets | 90.6087% | 701 |
Equity capital to assets | 8.4866% | 5,777 |
Core capital (leverage) ratio | 7.8319% | 6,287 |
Tier 1 risk-based capital ratio | 12.0339% | 5,781 |
Total risk-based capital ratio | 13.3292% | 5,696 |
Memoranda: | ||
Average total assets | $33,436,000 | 6,568 |
Average earning assets | $30,007,000 | 6,560 |
Average equity | $2,812,000 | 6,690 |
Average total loans | $19,624,000 | 6,325 |
2013-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7089% | 1,511 |
Cost of funding earning assets | 0.8452% | 1,276 |
Net interest margin | 3.8637% | 2,235 |
Noninterest income to average assets | 0.5977% | 3,155 |
Noninterest expense to average assets | 2.4624% | 4,901 |
Loan and lease loss provision to assets | 0.0717% | 3,434 |
Net operating income to assets | 1.2312% | 1,431 |
Return on assets (ROA) | 1.2312% | 1,542 |
Pretax return on assets | 1.5061% | 1,540 |
Return on Equity (ROE) | 14.7064% | 820 |
Retained earnings to average equity (ytd only) | 14.7064% | 374 |
Net charge-offs to loans | 1.0727% | 561 |
Credit loss provision to net charge-offs | 11.3208% | 3,133 |
Earnings coverage of net charge-offs (x) | 2.4906% | 3,019 |
Efficiency ratio | 60.9467% | 5,452 |
Assets per employee ($millions) | 4.7997% | 2,487 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8135% | 6,437 |
Loan loss allowance to noncurrent loans | 37.6499% | 5,706 |
Noncurrent assets plus other real estate owned to assets | 1.5775% | 2,895 |
Noncurrent loans to loans | 2.1606% | 2,434 |
Net loans and leases to total assets | 56.9766% | 3,931 |
Net loans and leases to deposits | 63.0284% | 4,418 |
Net loans and leases to core deposits | 63.0284% | 4,842 |
Total domestic deposits to total assets | 90.3982% | 817 |
Equity capital to assets | 8.4916% | 6,027 |
Core capital (leverage) ratio | 8.0327% | 6,110 |
Tier 1 risk-based capital ratio | 11.9745% | 5,933 |
Total risk-based capital ratio | 12.6656% | 6,205 |
Memoranda: | ||
Average total assets | $33,463,000 | 6,629 |
Average earning assets | $29,816,000 | 6,624 |
Average equity | $2,801,500 | 6,763 |
Average total loans | $19,763,000 | 6,371 |
2012-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1149% | 1,275 |
Cost of funding earning assets | 1.0662% | 1,045 |
Net interest margin | 4.0487% | 2,206 |
Noninterest income to average assets | 0.5351% | 3,681 |
Noninterest expense to average assets | 2.8248% | 3,925 |
Loan and lease loss provision to assets | 2.7097% | 50 |
Net operating income to assets | -0.7846% | 6,672 |
Return on assets (ROA) | -0.7435% | 6,684 |
Pretax return on assets | -1.3097% | 6,804 |
Return on Equity (ROE) | -8.7226% | 6,697 |
Retained earnings to average equity (ytd only) | -12.3723% | 6,711 |
Net charge-offs to loans | 4.4318% | 51 |
Credit loss provision to net charge-offs | 91.2042% | 3,425 |
Earnings coverage of net charge-offs (x) | 0.4461% | 5,266 |
Efficiency ratio | 68.0660% | 4,130 |
Assets per employee ($millions) | 5.5547% | 1,635 |
Cash dividends to net income (ytd only)* | -41.8410% | 7,047 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0086% | 5,930 |
Loan loss allowance to noncurrent loans | 50.2463% | 5,114 |
Noncurrent assets plus other real estate owned to assets | 1.5572% | 3,046 |
Noncurrent loans to loans | 2.0073% | 2,687 |
Net loans and leases to total assets | 60.0756% | 3,595 |
Net loans and leases to deposits | 67.0619% | 4,127 |
Net loans and leases to core deposits | 67.0619% | 4,640 |
Total domestic deposits to total assets | 89.5823% | 1,202 |
Equity capital to assets | 8.2513% | 6,237 |
Core capital (leverage) ratio | 8.1083% | 6,081 |
Tier 1 risk-based capital ratio | 12.2624% | 5,626 |
Total risk-based capital ratio | 13.2245% | 5,758 |
Memoranda: | ||
Average total assets | $32,143,600 | 6,705 |
Average earning assets | $28,700,400 | 6,694 |
Average equity | $2,740,000 | 6,833 |
Average total loans | $21,548,800 | 6,358 |
2012-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2087% | 1,176 |
Cost of funding earning assets | 1.1121% | 1,017 |
Net interest margin | 4.0966% | 2,103 |
Noninterest income to average assets | 0.5317% | 3,732 |
Noninterest expense to average assets | 2.5496% | 4,921 |
Loan and lease loss provision to assets | 3.3534% | 27 |
Net operating income to assets | -0.6916% | 6,774 |
Return on assets (ROA) | -0.6363% | 6,776 |
Pretax return on assets | -1.6160% | 6,973 |
Return on Equity (ROE) | -7.4031% | 6,797 |
Retained earnings to average equity (ytd only) | -12.2736% | 6,862 |
Net charge-offs to loans | 5.8501% | 26 |
Credit loss provision to net charge-offs | 83.4375% | 3,510 |
Earnings coverage of net charge-offs (x) | 0.4073% | 5,126 |
Efficiency ratio | 60.9000% | 5,332 |
Assets per employee ($millions) | 4.5584% | 2,809 |
Cash dividends to net income (ytd only)* | -65.7900% | 7,151 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.6184% | 6,843 |
Loan loss allowance to noncurrent loans | 28.0778% | 6,207 |
Noncurrent assets plus other real estate owned to assets | 1.4510% | 3,426 |
Noncurrent loans to loans | 2.2026% | 2,619 |
Net loans and leases to total assets | 65.4706% | 2,743 |
Net loans and leases to deposits | 76.5771% | 2,899 |
Net loans and leases to core deposits | 78.0155% | 3,458 |
Total domestic deposits to total assets | 85.4963% | 3,509 |
Equity capital to assets | 9.4299% | 5,288 |
Core capital (leverage) ratio | 8.6094% | 5,610 |
Tier 1 risk-based capital ratio | 12.3212% | 5,752 |
Total risk-based capital ratio | 12.9127% | 6,114 |
Memoranda: | ||
Average total assets | $31,847,500 | 6,798 |
Average earning assets | $28,413,000 | 6,791 |
Average equity | $2,737,500 | 6,919 |
Average total loans | $21,879,500 | 6,429 |
2012-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3133% | 1,026 |
Cost of funding earning assets | 1.1345% | 1,076 |
Net interest margin | 4.1788% | 1,809 |
Noninterest income to average assets | 0.5844% | 3,358 |
Noninterest expense to average assets | 2.5827% | 4,840 |
Loan and lease loss provision to assets | 4.8072% | 15 |
Net operating income to assets | -1.4906% | 7,017 |
Return on assets (ROA) | -1.3699% | 7,009 |
Pretax return on assets | -2.8906% | 7,145 |
Return on Equity (ROE) | -16.4715% | 6,998 |
Retained earnings to average equity (ytd only) | -24.0272% | 7,051 |
Net charge-offs to loans | 8.0665% | 14 |
Credit loss provision to net charge-offs | 85.5705% | 3,171 |
Earnings coverage of net charge-offs (x) | 0.3076% | 4,924 |
Efficiency ratio | 59.9125% | 5,591 |
Assets per employee ($millions) | 5.2558% | 1,860 |
Cash dividends to net income (ytd only)* | -45.8716% | 7,213 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.7478% | 6,761 |
Loan loss allowance to noncurrent loans | 127.2000% | 2,577 |
Noncurrent assets plus other real estate owned to assets | 0.3964% | 5,790 |
Noncurrent loans to loans | 0.5879% | 5,336 |
Net loans and leases to total assets | 66.9161% | 2,482 |
Net loans and leases to deposits | 73.8788% | 3,314 |
Net loans and leases to core deposits | 76.8463% | 3,676 |
Total domestic deposits to total assets | 90.5756% | 625 |
Equity capital to assets | 8.7205% | 6,003 |
Core capital (leverage) ratio | 8.1206% | 6,140 |
Tier 1 risk-based capital ratio | 11.8314% | 6,039 |
Total risk-based capital ratio | 12.5491% | 6,313 |
Memoranda: | ||
Average total assets | $31,827,000 | 6,850 |
Average earning assets | $28,381,670 | 6,841 |
Average equity | $2,647,000 | 6,979 |
Average total loans | $22,165,670 | 6,456 |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.7894% | 431 |
Cost of funding earning assets | 1.1155% | 1,316 |
Net interest margin | 4.6739% | 722 |
Noninterest income to average assets | 0.5755% | 3,375 |
Noninterest expense to average assets | 2.7023% | 4,417 |
Loan and lease loss provision to assets | 0.3253% | 1,924 |
Net operating income to assets | 0.9758% | 2,572 |
Return on assets (ROA) | 0.9758% | 2,778 |
Pretax return on assets | 1.6889% | 1,331 |
Return on Equity (ROE) | 12.0208% | 1,672 |
Retained earnings to average equity (ytd only) | -3.3905% | 6,437 |
Net charge-offs to loans | 0.0000% | 4,730 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 57.2944% | 6,006 |
Assets per employee ($millions) | 4.0035% | 4,007 |
Cash dividends to net income (ytd only)* | 128.2051% | 389 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3813% | 4,687 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
Noncurrent loans to loans | 0.0000% | 6,812 |
Net loans and leases to total assets | 70.2167% | 1,720 |
Net loans and leases to deposits | 77.1598% | 2,653 |
Net loans and leases to core deposits | 79.2006% | 3,154 |
Total domestic deposits to total assets | 91.0016% | 555 |
Equity capital to assets | 8.1241% | 6,435 |
Core capital (leverage) ratio | 7.8479% | 6,374 |
Tier 1 risk-based capital ratio | 10.8231% | 6,613 |
Total risk-based capital ratio | 12.1168% | 6,584 |
Memoranda: | ||
Average total assets | $31,973,000 | 6,899 |
Average earning assets | $28,327,500 | 6,897 |
Average equity | $2,595,500 | 7,046 |
Average total loans | $22,618,000 | 6,481 |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.7660% | 684 |
Cost of funding earning assets | 1.2320% | 1,829 |
Net interest margin | 4.5339% | 1,062 |
Noninterest income to average assets | 0.5573% | 3,454 |
Noninterest expense to average assets | 2.5314% | 5,348 |
Loan and lease loss provision to assets | 0.1597% | 4,629 |
Net operating income to assets | 1.1973% | 1,518 |
Return on assets (ROA) | 1.1995% | 1,622 |
Pretax return on assets | 1.9334% | 620 |
Return on Equity (ROE) | 14.0024% | 926 |
Retained earnings to average equity (ytd only) | 6.0690% | 1,980 |
Net charge-offs to loans | 0.0000% | 6,441 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 54.7794% | 6,445 |
Assets per employee ($millions) | 3.9898% | 3,882 |
Cash dividends to net income (ytd only)* | 56.6572% | 1,721 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2883% | 4,973 |
Loan loss allowance to noncurrent loans | 28,900.0000% | 18 |
Noncurrent assets plus other real estate owned to assets | 0.0031% | 7,003 |
Noncurrent loans to loans | 0.0045% | 6,860 |
Net loans and leases to total assets | 69.3746% | 2,149 |
Net loans and leases to deposits | 79.1358% | 2,661 |
Net loans and leases to core deposits | 80.5757% | 3,375 |
Total domestic deposits to total assets | 87.6653% | 2,362 |
Equity capital to assets | 8.1114% | 6,504 |
Core capital (leverage) ratio | 8.0140% | 6,249 |
Tier 1 risk-based capital ratio | 10.8661% | 6,528 |
Total risk-based capital ratio | 12.1278% | 6,498 |
Memoranda: | ||
Average total assets | $29,430,000 | 6,985 |
Average earning assets | $26,379,000 | 6,975 |
Average equity | $2,521,000 | 7,114 |
Average total loans | $20,760,800 | 6,621 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.8444% | 639 |
Cost of funding earning assets | 1.2616% | 1,927 |
Net interest margin | 4.5828% | 981 |
Noninterest income to average assets | 0.5554% | 3,475 |
Noninterest expense to average assets | 2.6427% | 4,929 |
Loan and lease loss provision to assets | 0.0972% | 5,240 |
Net operating income to assets | 1.2311% | 1,572 |
Return on assets (ROA) | 1.2311% | 1,675 |
Pretax return on assets | 1.9346% | 718 |
Return on Equity (ROE) | 14.1637% | 1,006 |
Retained earnings to average equity (ytd only) | 3.5144% | 4,237 |
Net charge-offs to loans | 0.0000% | 6,185 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 56.5347% | 6,204 |
Assets per employee ($millions) | 3.8815% | 4,115 |
Cash dividends to net income (ytd only)* | 75.1875% | 730 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2414% | 5,296 |
Loan loss allowance to noncurrent loans | 1,052.0000% | 347 |
Noncurrent assets plus other real estate owned to assets | 0.0805% | 6,852 |
Noncurrent loans to loans | 0.1180% | 6,640 |
Net loans and leases to total assets | 67.3805% | 2,596 |
Net loans and leases to deposits | 79.7948% | 2,682 |
Net loans and leases to core deposits | 79.7948% | 3,668 |
Total domestic deposits to total assets | 84.4422% | 4,035 |
Equity capital to assets | 8.3119% | 6,474 |
Core capital (leverage) ratio | 7.8908% | 6,492 |
Tier 1 risk-based capital ratio | 10.9057% | 6,598 |
Total risk-based capital ratio | 12.1003% | 6,613 |
Memoranda: | ||
Average total assets | $28,808,000 | 7,072 |
Average earning assets | $25,893,250 | 7,059 |
Average equity | $2,504,000 | 7,187 |
Average total loans | $20,343,000 | 6,703 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.8318% | 675 |
Cost of funding earning assets | 1.2688% | 2,126 |
Net interest margin | 4.5630% | 983 |
Noninterest income to average assets | 0.5274% | 3,646 |
Noninterest expense to average assets | 2.6586% | 4,972 |
Loan and lease loss provision to assets | 0.0855% | 5,238 |
Net operating income to assets | 1.2188% | 1,515 |
Return on assets (ROA) | 1.2188% | 1,594 |
Pretax return on assets | 1.9102% | 693 |
Return on Equity (ROE) | 13.7996% | 1,016 |
Retained earnings to average equity (ytd only) | 5.7297% | 2,575 |
Net charge-offs to loans | 0.0000% | 5,875 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 57.1210% | 6,276 |
Assets per employee ($millions) | 3.2443% | 5,538 |
Cash dividends to net income (ytd only)* | 58.4795% | 1,407 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2392% | 5,368 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
Noncurrent loans to loans | 0.0000% | 7,026 |
Net loans and leases to total assets | 69.0572% | 2,400 |
Net loans and leases to deposits | 80.0699% | 2,781 |
Net loans and leases to core deposits | 80.0699% | 3,778 |
Total domestic deposits to total assets | 86.2461% | 3,185 |
Equity capital to assets | 8.9455% | 5,656 |
Core capital (leverage) ratio | 8.0731% | 6,205 |
Tier 1 risk-based capital ratio | 11.1808% | 6,391 |
Total risk-based capital ratio | 12.3560% | 6,437 |
Memoranda: | ||
Average total assets | $28,060,000 | 7,159 |
Average earning assets | $25,378,000 | 7,138 |
Average equity | $2,478,330 | 7,250 |
Average total loans | $20,062,000 | 6,783 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.7906% | 751 |
Cost of funding earning assets | 1.2477% | 2,518 |
Net interest margin | 4.5429% | 976 |
Noninterest income to average assets | 0.5966% | 3,194 |
Noninterest expense to average assets | 2.6918% | 4,868 |
Loan and lease loss provision to assets | 0.0873% | 4,915 |
Net operating income to assets | 1.2513% | 1,385 |
Return on assets (ROA) | 1.2513% | 1,438 |
Pretax return on assets | 1.9498% | 605 |
Return on Equity (ROE) | 14.2650% | 940 |
Retained earnings to average equity (ytd only) | -2.3222% | 6,197 |
Net charge-offs to loans | 0.0000% | 5,107 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 56.9231% | 6,392 |
Assets per employee ($millions) | 3.0879% | 5,969 |
Cash dividends to net income (ytd only)* | 116.2791% | 486 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2309% | 5,477 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
Noncurrent loans to loans | 0.0000% | 7,094 |
Net loans and leases to total assets | 71.3181% | 1,853 |
Net loans and leases to deposits | 81.6478% | 2,419 |
Net loans and leases to core deposits | 81.6478% | 3,502 |
Total domestic deposits to total assets | 87.3484% | 2,740 |
Equity capital to assets | 8.7043% | 5,652 |
Core capital (leverage) ratio | 9.5654% | 3,706 |
Tier 1 risk-based capital ratio | 11.0366% | 6,485 |
Total risk-based capital ratio | 12.2107% | 6,512 |
Memoranda: | ||
Average total assets | $27,490,500 | 7,223 |
Average earning assets | $25,006,000 | 7,196 |
Average equity | $2,411,500 | 7,317 |
Average total loans | $19,884,500 | 6,845 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.7047% | 1,556 |
Cost of funding earning assets | 1.3811% | 3,386 |
Net interest margin | 4.3236% | 1,738 |
Noninterest income to average assets | 0.4963% | 4,197 |
Noninterest expense to average assets | 2.7261% | 4,873 |
Loan and lease loss provision to assets | 0.0699% | 6,442 |
Net operating income to assets | 1.0756% | 1,775 |
Return on assets (ROA) | 1.1009% | 1,779 |
Pretax return on assets | 1.6776% | 982 |
Return on Equity (ROE) | 13.5031% | 981 |
Retained earnings to average equity (ytd only) | 4.9297% | 2,456 |
Net charge-offs to loans | 0.0000% | 6,850 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 61.4657% | 5,818 |
Assets per employee ($millions) | 3.0211% | 6,055 |
Cash dividends to net income (ytd only)* | 63.4921% | 1,486 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2232% | 5,398 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
Noncurrent loans to loans | 0.0000% | 7,175 |
Net loans and leases to total assets | 71.5741% | 2,182 |
Net loans and leases to deposits | 81.1653% | 2,958 |
Net loans and leases to core deposits | 81.1653% | 4,030 |
Total domestic deposits to total assets | 88.1832% | 2,133 |
Equity capital to assets | 8.8415% | 5,372 |
Core capital (leverage) ratio | 8.4751% | 5,411 |
Tier 1 risk-based capital ratio | 10.8899% | 6,419 |
Total risk-based capital ratio | 12.0134% | 6,490 |
Memoranda: | ||
Average total assets | $28,612,200 | 7,253 |
Average earning assets | $26,066,200 | 7,226 |
Average equity | $2,332,800 | 7,445 |
Average total loans | $17,825,800 | 7,038 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.7235% | 1,631 |
Cost of funding earning assets | 1.4258% | 3,422 |
Net interest margin | 4.2978% | 1,856 |
Noninterest income to average assets | 0.4741% | 4,387 |
Noninterest expense to average assets | 2.6557% | 5,088 |
Loan and lease loss provision to assets | 0.0000% | 6,977 |
Net operating income to assets | 1.1459% | 1,745 |
Return on assets (ROA) | 1.1737% | 1,760 |
Pretax return on assets | 1.7582% | 999 |
Return on Equity (ROE) | 14.6864% | 914 |
Retained earnings to average equity (ytd only) | 3.1676% | 4,210 |
Net charge-offs to loans | 0.0000% | 6,671 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 60.7368% | 5,832 |
Assets per employee ($millions) | 3.1212% | 5,874 |
Cash dividends to net income (ytd only)* | 78.4317% | 691 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1704% | 5,625 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
Noncurrent loans to loans | 0.0000% | 7,276 |
Net loans and leases to total assets | 66.4305% | 3,588 |
Net loans and leases to deposits | 77.4155% | 3,937 |
Net loans and leases to core deposits | 77.4155% | 4,872 |
Total domestic deposits to total assets | 85.8104% | 3,179 |
Equity capital to assets | 8.6006% | 6,153 |
Core capital (leverage) ratio | 7.9868% | 6,361 |
Tier 1 risk-based capital ratio | 10.7602% | 6,579 |
Total risk-based capital ratio | 11.8050% | 6,720 |
Memoranda: | ||
Average total assets | $28,967,750 | 7,334 |
Average earning assets | $26,276,750 | 7,310 |
Average equity | $2,315,000 | 7,546 |
Average total loans | $17,356,750 | 7,155 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.5222% | 2,434 |
Cost of funding earning assets | 1.4386% | 3,620 |
Net interest margin | 4.0836% | 2,634 |
Noninterest income to average assets | 0.4716% | 4,345 |
Noninterest expense to average assets | 2.6247% | 5,227 |
Loan and lease loss provision to assets | 0.0000% | 6,857 |
Net operating income to assets | 1.0611% | 1,978 |
Return on assets (ROA) | 1.0936% | 1,946 |
Pretax return on assets | 1.6200% | 1,250 |
Return on Equity (ROE) | 14.0269% | 1,035 |
Retained earnings to average equity (ytd only) | 5.2601% | 2,743 |
Net charge-offs to loans | 0.0000% | 6,371 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 62.5407% | 5,605 |
Assets per employee ($millions) | 3.2469% | 5,561 |
Cash dividends to net income (ytd only)* | 62.5000% | 1,236 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2809% | 5,029 |
Loan loss allowance to noncurrent loans | 144.4444% | 1,918 |
Noncurrent assets plus other real estate owned to assets | 0.5236% | 6,156 |
Noncurrent loans to loans | 0.8868% | 5,493 |
Net loans and leases to total assets | 58.2849% | 5,369 |
Net loans and leases to deposits | 65.4372% | 5,875 |
Net loans and leases to core deposits | 65.4372% | 6,282 |
Total domestic deposits to total assets | 89.0699% | 1,395 |
Equity capital to assets | 8.0966% | 6,658 |
Core capital (leverage) ratio | 7.6856% | 6,628 |
Tier 1 risk-based capital ratio | 10.8120% | 6,444 |
Total risk-based capital ratio | 11.8595% | 6,602 |
Memoranda: | ||
Average total assets | $29,260,000 | 7,373 |
Average earning assets | $26,692,330 | 7,349 |
Average equity | $2,281,330 | 7,611 |
Average total loans | $16,848,330 | 7,228 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.5039% | 2,561 |
Cost of funding earning assets | 1.4358% | 3,957 |
Net interest margin | 4.0681% | 2,576 |
Noninterest income to average assets | 0.4782% | 4,214 |
Noninterest expense to average assets | 2.6367% | 5,201 |
Loan and lease loss provision to assets | 0.0000% | 6,552 |
Net operating income to assets | 1.0380% | 2,041 |
Return on assets (ROA) | 1.0929% | 1,934 |
Pretax return on assets | 1.6394% | 1,184 |
Return on Equity (ROE) | 14.2921% | 997 |
Retained earnings to average equity (ytd only) | -3.5730% | 6,441 |
Net charge-offs to loans | 0.0000% | 5,609 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 62.8664% | 5,684 |
Assets per employee ($millions) | 3.2298% | 5,700 |
Cash dividends to net income (ytd only)* | 125.0000% | 407 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3369% | 4,748 |
Loan loss allowance to noncurrent loans | 145.3947% | 1,915 |
Noncurrent assets plus other real estate owned to assets | 0.5229% | 6,192 |
Noncurrent loans to loans | 0.9195% | 5,477 |
Net loans and leases to total assets | 56.1098% | 5,727 |
Net loans and leases to deposits | 61.6728% | 6,306 |
Net loans and leases to core deposits | 61.6728% | 6,623 |
Total domestic deposits to total assets | 90.9798% | 557 |
Equity capital to assets | 7.7198% | 6,914 |
Core capital (leverage) ratio | 7.4486% | 6,898 |
Tier 1 risk-based capital ratio | 10.7204% | 6,420 |
Total risk-based capital ratio | 11.7968% | 6,579 |
Memoranda: | ||
Average total assets | $29,279,000 | 7,464 |
Average earning assets | $26,744,500 | 7,435 |
Average equity | $2,239,000 | 7,704 |
Average total loans | $16,646,000 | 7,327 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.9210% | 2,156 |
Cost of funding earning assets | 1.6303% | 4,887 |
Net interest margin | 4.2907% | 1,743 |
Noninterest income to average assets | 0.5549% | 3,986 |
Noninterest expense to average assets | 2.7585% | 5,128 |
Loan and lease loss provision to assets | 0.0000% | 7,427 |
Net operating income to assets | 1.3381% | 963 |
Return on assets (ROA) | 0.6313% | 3,274 |
Pretax return on assets | 0.7761% | 3,318 |
Return on Equity (ROE) | 8.0903% | 2,331 |
Retained earnings to average equity (ytd only) | 2.9372% | 3,110 |
Net charge-offs to loans | 0.0403% | 6,708 |
Credit loss provision to net charge-offs | 0.0000% | 7,003 |
Earnings coverage of net charge-offs (x) | 68.3333% | 397 |
Efficiency ratio | 62.5912% | 6,042 |
Assets per employee ($millions) | 3.2767% | 5,547 |
Cash dividends to net income (ytd only)* | 63.6943% | 1,840 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3185% | 4,656 |
Loan loss allowance to noncurrent loans | 145.3947% | 1,971 |
Noncurrent assets plus other real estate owned to assets | 0.5154% | 6,164 |
Noncurrent loans to loans | 0.9069% | 5,492 |
Net loans and leases to total assets | 56.0868% | 5,937 |
Net loans and leases to deposits | 61.3274% | 6,530 |
Net loans and leases to core deposits | 66.0886% | 6,976 |
Total domestic deposits to total assets | 91.4547% | 394 |
Equity capital to assets | 7.5754% | 6,964 |
Core capital (leverage) ratio | 7.9904% | 6,211 |
Tier 1 risk-based capital ratio | 10.6151% | 6,286 |
Total risk-based capital ratio | 11.6714% | 6,451 |
Memoranda: | ||
Average total assets | $24,868,800 | 7,642 |
Average earning assets | $22,327,200 | 7,640 |
Average equity | $1,940,600 | 7,849 |
Average total loans | $14,887,000 | 7,462 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.2132% | 1,342 |
Cost of funding earning assets | 1.6917% | 4,945 |
Net interest margin | 4.5216% | 1,141 |
Noninterest income to average assets | 0.5623% | 3,994 |
Noninterest expense to average assets | 2.8506% | 4,666 |
Loan and lease loss provision to assets | 0.0000% | 7,284 |
Net operating income to assets | 1.4216% | 976 |
Return on assets (ROA) | 0.1237% | 5,459 |
Pretax return on assets | 0.1518% | 5,408 |
Return on Equity (ROE) | 1.5708% | 5,308 |
Retained earnings to average equity (ytd only) | -5.5697% | 6,330 |
Net charge-offs to loans | 0.0555% | 6,156 |
Credit loss provision to net charge-offs | 0.0000% | 6,657 |
Earnings coverage of net charge-offs (x) | 51.9988% | 609 |
Efficiency ratio | 61.9048% | 6,132 |
Assets per employee ($millions) | 2.7819% | 6,675 |
Cash dividends to net income (ytd only)* | 454.5857% | 74 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3730% | 4,098 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
Noncurrent loans to loans | 0.0000% | 7,541 |
Net loans and leases to total assets | 63.4062% | 4,993 |
Net loans and leases to deposits | 73.4682% | 5,452 |
Net loans and leases to core deposits | 80.2781% | 6,330 |
Total domestic deposits to total assets | 86.3043% | 2,538 |
Equity capital to assets | 8.5034% | 6,249 |
Core capital (leverage) ratio | 8.2992% | 5,836 |
Tier 1 risk-based capital ratio | 10.5152% | 6,451 |
Total risk-based capital ratio | 11.6292% | 6,530 |
Memoranda: | ||
Average total assets | $23,713,500 | 7,750 |
Average earning assets | $21,201,500 | 7,748 |
Average equity | $1,867,250 | 7,945 |
Average total loans | $14,418,500 | 7,546 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.2878% | 1,240 |
Cost of funding earning assets | 1.7660% | 4,923 |
Net interest margin | 4.5218% | 1,117 |
Noninterest income to average assets | 0.5758% | 3,866 |
Noninterest expense to average assets | 2.9219% | 4,424 |
Loan and lease loss provision to assets | 0.0000% | 7,158 |
Net operating income to assets | 1.8391% | 424 |
Return on assets (ROA) | 0.2234% | 5,267 |
Pretax return on assets | 0.0430% | 5,789 |
Return on Equity (ROE) | 2.9213% | 4,932 |
Retained earnings to average equity (ytd only) | -8.3146% | 6,707 |
Net charge-offs to loans | 0.0000% | 6,628 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 63.7899% | 5,953 |
Assets per employee ($millions) | 2.9530% | 6,256 |
Cash dividends to net income (ytd only)* | 384.6154% | 96 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6045% | 2,717 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
Noncurrent loans to loans | 0.0000% | 7,580 |
Net loans and leases to total assets | 58.9274% | 5,850 |
Net loans and leases to deposits | 66.8187% | 6,318 |
Net loans and leases to core deposits | 76.8819% | 6,618 |
Total domestic deposits to total assets | 88.1900% | 1,677 |
Equity capital to assets | 8.1697% | 6,536 |
Core capital (leverage) ratio | 8.4547% | 5,518 |
Tier 1 risk-based capital ratio | 11.3126% | 5,577 |
Total risk-based capital ratio | 12.5413% | 5,507 |
Memoranda: | ||
Average total assets | $23,272,330 | 7,842 |
Average earning assets | $20,611,330 | 7,841 |
Average equity | $1,780,000 | 8,044 |
Average total loans | $13,859,330 | 7,656 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.2497% | 1,446 |
Cost of funding earning assets | 1.8335% | 4,951 |
Net interest margin | 4.4162% | 1,308 |
Noninterest income to average assets | 0.5369% | 4,011 |
Noninterest expense to average assets | 2.8576% | 4,316 |
Loan and lease loss provision to assets | 0.0000% | 6,744 |
Net operating income to assets | 1.1430% | 1,831 |
Return on assets (ROA) | 1.1430% | 1,951 |
Pretax return on assets | 1.5587% | 1,514 |
Return on Equity (ROE) | 15.4839% | 894 |
Retained earnings to average equity (ytd only) | -7.9765% | 6,912 |
Net charge-offs to loans | 0.0000% | 5,728 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 64.7059% | 5,562 |
Assets per employee ($millions) | 2.9926% | 6,176 |
Cash dividends to net income (ytd only)* | 151.5152% | 464 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6225% | 2,432 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
Noncurrent loans to loans | 0.0000% | 7,590 |
Net loans and leases to total assets | 57.4913% | 6,026 |
Net loans and leases to deposits | 63.2595% | 6,631 |
Net loans and leases to core deposits | 73.0031% | 6,865 |
Total domestic deposits to total assets | 90.8818% | 452 |
Equity capital to assets | 7.0173% | 7,671 |
Core capital (leverage) ratio | 9.0569% | 4,613 |
Tier 1 risk-based capital ratio | 11.6349% | 5,263 |
Total risk-based capital ratio | 12.8749% | 5,187 |
Memoranda: | ||
Average total assets | $23,096,500 | 7,899 |
Average earning assets | $20,289,000 | 7,897 |
Average equity | $1,705,000 | 8,112 |
Average total loans | $13,715,000 | 7,709 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.4318% | 3,272 |
Cost of funding earning assets | 2.3142% | 5,089 |
Net interest margin | 4.1177% | 2,631 |
Noninterest income to average assets | 0.6319% | 3,621 |
Noninterest expense to average assets | 2.9345% | 4,322 |
Loan and lease loss provision to assets | 0.0000% | 7,334 |
Net operating income to assets | 1.1405% | 1,980 |
Return on assets (ROA) | 0.7947% | 3,300 |
Pretax return on assets | 0.9239% | 3,646 |
Return on Equity (ROE) | 8.4677% | 2,861 |
Retained earnings to average equity (ytd only) | -1.7343% | 5,799 |
Net charge-offs to loans | 0.0000% | 7,039 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 68.8764% | 4,561 |
Assets per employee ($millions) | 2.7815% | 6,608 |
Cash dividends to net income (ytd only)* | 120.4819% | 673 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6891% | 1,945 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
Noncurrent loans to loans | 0.0000% | 7,569 |
Net loans and leases to total assets | 59.3744% | 6,002 |
Net loans and leases to deposits | 66.1559% | 6,635 |
Net loans and leases to core deposits | 72.4700% | 7,046 |
Total domestic deposits to total assets | 89.7492% | 748 |
Equity capital to assets | 7.7746% | 7,125 |
Core capital (leverage) ratio | 9.5854% | 3,900 |
Tier 1 risk-based capital ratio | 12.5007% | 4,435 |
Total risk-based capital ratio | 12.5816% | 5,312 |
Memoranda: | ||
Average total assets | $20,889,200 | 7,989 |
Average earning assets | $18,408,400 | 7,994 |
Average equity | $1,960,400 | 8,126 |
Average total loans | $12,204,200 | 7,823 |