Home > Chelten Hills Savings Bank > Performance and Condition Ratios
Chelten Hills Savings Bank, Performance and Condition Ratios
2017-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5982% | 1,373 |
Cost of funding earning assets | 0.8978% | 347 |
Net interest margin | 3.7003% | 2,765 |
Noninterest income to average assets | -0.0266% | 5,699 |
Noninterest expense to average assets | 3.7224% | 748 |
Loan and lease loss provision to assets | -0.0159% | 5,472 |
Net operating income to assets | -0.2071% | 5,582 |
Return on assets (ROA) | -0.1593% | 5,572 |
Pretax return on assets | -0.0744% | 5,534 |
Return on Equity (ROE) | -1.1269% | 5,564 |
Retained earnings to average equity (ytd only) | -1.1269% | 5,364 |
Net charge-offs to loans | -0.0379% | 5,077 |
Credit loss provision to net charge-offs | 50.0000% | 2,907 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 103.8519% | 137 |
Assets per employee ($millions) | 5.6888% | 1,729 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1030% | 3,464 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
Noncurrent loans to loans | 0.0000% | 5,172 |
Net loans and leases to total assets | 91.0174% | 52 |
Net loans and leases to deposits | 109.7911% | 281 |
Net loans and leases to core deposits | 109.7911% | 1,040 |
Total domestic deposits to total assets | 82.9005% | 3,488 |
Equity capital to assets | 15.3593% | 664 |
Core capital (leverage) ratio | 14.6639% | 731 |
Tier 1 risk-based capital ratio | 29.2371% | 508 |
Total risk-based capital ratio | 30.4919% | 502 |
Memoranda: | ||
Average total assets | $25,108,750 | 5,603 |
Average earning assets | $24,502,000 | 5,580 |
Average equity | $3,549,500 | 5,537 |
Average total loans | $21,083,500 | 5,333 |
2017-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4771% | 1,583 |
Cost of funding earning assets | 0.8859% | 331 |
Net interest margin | 3.5912% | 3,074 |
Noninterest income to average assets | -0.0463% | 5,750 |
Noninterest expense to average assets | 2.7575% | 2,897 |
Loan and lease loss provision to assets | 0.0386% | 3,240 |
Net operating income to assets | 0.6643% | 4,004 |
Return on assets (ROA) | 0.6643% | 4,063 |
Pretax return on assets | 0.6643% | 4,648 |
Return on Equity (ROE) | 4.8211% | 4,552 |
Retained earnings to average equity (ytd only) | 4.8211% | 2,832 |
Net charge-offs to loans | -0.0473% | 5,149 |
Credit loss provision to net charge-offs | -100.0000% | 4,346 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 79.6875% | 1,248 |
Assets per employee ($millions) | 6.1903% | 1,328 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1655% | 3,214 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
Noncurrent loans to loans | 0.0000% | 5,209 |
Net loans and leases to total assets | 81.5112% | 742 |
Net loans and leases to deposits | 97.3707% | 949 |
Net loans and leases to core deposits | 97.3707% | 1,865 |
Total domestic deposits to total assets | 83.7123% | 3,320 |
Equity capital to assets | 14.6036% | 802 |
Core capital (leverage) ratio | 14.3613% | 771 |
Tier 1 risk-based capital ratio | 27.4303% | 582 |
Total risk-based capital ratio | 28.6844% | 572 |
Memoranda: | ||
Average total assets | $25,893,330 | 5,647 |
Average earning assets | $25,284,330 | 5,612 |
Average equity | $3,567,670 | 5,581 |
Average total loans | $21,130,670 | 5,374 |
2017-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4035% | 1,639 |
Cost of funding earning assets | 0.8993% | 283 |
Net interest margin | 3.5042% | 3,258 |
Noninterest income to average assets | -0.1512% | 5,840 |
Noninterest expense to average assets | 2.7514% | 2,946 |
Loan and lease loss provision to assets | 0.0756% | 2,294 |
Net operating income to assets | 0.4384% | 4,821 |
Return on assets (ROA) | 0.4384% | 4,847 |
Pretax return on assets | 0.4384% | 5,081 |
Return on Equity (ROE) | 3.2736% | 5,031 |
Retained earnings to average equity (ytd only) | 3.2736% | 3,800 |
Net charge-offs to loans | -0.1489% | 5,563 |
Credit loss provision to net charge-offs | -62.5000% | 3,889 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 84.2593% | 950 |
Assets per employee ($millions) | 6.4165% | 1,224 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1363% | 3,484 |
Loan loss allowance to noncurrent loans | 3,012.5000% | 249 |
Noncurrent assets plus other real estate owned to assets | 0.1403% | 4,700 |
Noncurrent loans to loans | 0.0377% | 5,049 |
Net loans and leases to total assets | 81.6995% | 601 |
Net loans and leases to deposits | 96.5113% | 894 |
Net loans and leases to core deposits | 96.5113% | 1,781 |
Total domestic deposits to total assets | 84.6528% | 3,240 |
Equity capital to assets | 13.8705% | 945 |
Core capital (leverage) ratio | 13.3644% | 1,014 |
Tier 1 risk-based capital ratio | 26.2482% | 670 |
Total risk-based capital ratio | 27.5037% | 657 |
Memoranda: | ||
Average total assets | $26,459,500 | 5,711 |
Average earning assets | $25,797,500 | 5,671 |
Average equity | $3,543,500 | 5,640 |
Average total loans | $21,485,500 | 5,422 |
2016-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7443% | 975 |
Cost of funding earning assets | 0.8945% | 307 |
Net interest margin | 3.8497% | 2,138 |
Noninterest income to average assets | 0.1817% | 5,313 |
Noninterest expense to average assets | 2.8752% | 2,766 |
Loan and lease loss provision to assets | 1.4184% | 67 |
Net operating income to assets | -0.1956% | 5,714 |
Return on assets (ROA) | -0.1956% | 5,727 |
Pretax return on assets | -0.3983% | 5,763 |
Return on Equity (ROE) | -1.6018% | 5,728 |
Retained earnings to average equity (ytd only) | -1.6018% | 5,499 |
Net charge-offs to loans | 2.4288% | 50 |
Credit loss provision to net charge-offs | 74.3590% | 3,066 |
Earnings coverage of net charge-offs (x) | 0.5348% | 4,094 |
Efficiency ratio | 73.8117% | 2,313 |
Assets per employee ($millions) | 6.8133% | 1,001 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0432% | 4,053 |
Loan loss allowance to noncurrent loans | 354.6875% | 1,409 |
Noncurrent assets plus other real estate owned to assets | 0.2348% | 4,367 |
Noncurrent loans to loans | 0.2941% | 4,094 |
Net loans and leases to total assets | 79.0152% | 1,043 |
Net loans and leases to deposits | 92.3136% | 1,405 |
Net loans and leases to core deposits | 92.3136% | 2,267 |
Total domestic deposits to total assets | 85.5942% | 2,784 |
Equity capital to assets | 12.9417% | 1,281 |
Core capital (leverage) ratio | 12.7764% | 1,222 |
Tier 1 risk-based capital ratio | 25.0961% | 767 |
Total risk-based capital ratio | 26.3495% | 745 |
Memoranda: | ||
Average total assets | $28,624,000 | 5,732 |
Average earning assets | $27,612,200 | 5,696 |
Average equity | $3,496,000 | 5,699 |
Average total loans | $22,480,400 | 5,431 |
2016-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8365% | 834 |
Cost of funding earning assets | 0.8794% | 323 |
Net interest margin | 3.9571% | 1,788 |
Noninterest income to average assets | 0.1289% | 5,606 |
Noninterest expense to average assets | 2.8400% | 2,870 |
Loan and lease loss provision to assets | 1.8688% | 45 |
Net operating income to assets | -0.5017% | 5,856 |
Return on assets (ROA) | -0.5017% | 5,860 |
Pretax return on assets | -0.7687% | 5,888 |
Return on Equity (ROE) | -4.1663% | 5,848 |
Retained earnings to average equity (ytd only) | -4.1663% | 5,700 |
Net charge-offs to loans | 3.2126% | 33 |
Credit loss provision to net charge-offs | 74.3590% | 2,735 |
Earnings coverage of net charge-offs (x) | 0.4377% | 3,788 |
Efficiency ratio | 72.0794% | 2,571 |
Assets per employee ($millions) | 6.8990% | 927 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0332% | 4,220 |
Loan loss allowance to noncurrent loans | 354.6875% | 1,418 |
Noncurrent assets plus other real estate owned to assets | 1.9532% | 805 |
Noncurrent loans to loans | 0.2913% | 4,216 |
Net loans and leases to total assets | 78.7904% | 1,067 |
Net loans and leases to deposits | 91.7155% | 1,532 |
Net loans and leases to core deposits | 91.7155% | 2,420 |
Total domestic deposits to total assets | 85.9074% | 2,407 |
Equity capital to assets | 12.5924% | 1,721 |
Core capital (leverage) ratio | 12.2192% | 1,530 |
Tier 1 risk-based capital ratio | 24.7893% | 835 |
Total risk-based capital ratio | 26.0391% | 820 |
Memoranda: | ||
Average total assets | $28,966,750 | 5,784 |
Average earning assets | $27,898,250 | 5,752 |
Average equity | $3,488,250 | 5,762 |
Average total loans | $22,660,250 | 5,482 |
2016-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3276% | 2,062 |
Cost of funding earning assets | 0.8458% | 387 |
Net interest margin | 3.4818% | 3,556 |
Noninterest income to average assets | 0.1427% | 5,597 |
Noninterest expense to average assets | 2.7393% | 3,236 |
Loan and lease loss provision to assets | 2.8277% | 25 |
Net operating income to assets | -1.9984% | 6,013 |
Return on assets (ROA) | -1.9984% | 6,013 |
Pretax return on assets | -2.0664% | 6,011 |
Return on Equity (ROE) | -16.8353% | 6,001 |
Retained earnings to average equity (ytd only) | -16.8353% | 5,949 |
Net charge-offs to loans | 4.8405% | 21 |
Credit loss provision to net charge-offs | 75.0903% | 2,421 |
Earnings coverage of net charge-offs (x) | 0.2022% | 3,543 |
Efficiency ratio | 78.2524% | 1,748 |
Assets per employee ($millions) | 7.2253% | 797 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0244% | 4,382 |
Loan loss allowance to noncurrent loans | 45.0593% | 4,940 |
Noncurrent assets plus other real estate owned to assets | 3.3943% | 324 |
Noncurrent loans to loans | 2.2733% | 809 |
Net loans and leases to total assets | 76.2257% | 1,459 |
Net loans and leases to deposits | 87.5074% | 2,064 |
Net loans and leases to core deposits | 87.5074% | 2,777 |
Total domestic deposits to total assets | 87.1077% | 1,859 |
Equity capital to assets | 11.3802% | 2,666 |
Core capital (leverage) ratio | 11.2579% | 2,188 |
Tier 1 risk-based capital ratio | 22.8148% | 1,035 |
Total risk-based capital ratio | 24.0665% | 1,020 |
Memoranda: | ||
Average total assets | $29,423,670 | 5,853 |
Average earning assets | $28,376,000 | 5,815 |
Average equity | $3,492,670 | 5,829 |
Average total loans | $22,890,330 | 5,540 |
2016-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3320% | 2,020 |
Cost of funding earning assets | 0.8385% | 407 |
Net interest margin | 3.4936% | 3,497 |
Noninterest income to average assets | 0.0000% | 6,066 |
Noninterest expense to average assets | 2.6545% | 3,561 |
Loan and lease loss provision to assets | 0.2021% | 971 |
Net operating income to assets | 0.3369% | 5,192 |
Return on assets (ROA) | 0.3369% | 5,279 |
Pretax return on assets | 0.5120% | 5,053 |
Return on Equity (ROE) | 2.7820% | 5,304 |
Retained earnings to average equity (ytd only) | 2.7820% | 4,122 |
Net charge-offs to loans | -0.1379% | 5,750 |
Credit loss provision to net charge-offs | -187.5000% | 4,337 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 78.8000% | 1,786 |
Assets per employee ($millions) | 7.3828% | 743 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6759% | 1,416 |
Loan loss allowance to noncurrent loans | 31.3002% | 5,262 |
Noncurrent assets plus other real estate owned to assets | 5.8278% | 122 |
Noncurrent loans to loans | 5.3543% | 173 |
Net loans and leases to total assets | 77.4813% | 1,170 |
Net loans and leases to deposits | 90.4387% | 1,524 |
Net loans and leases to core deposits | 90.4387% | 2,330 |
Total domestic deposits to total assets | 85.6727% | 2,824 |
Equity capital to assets | 12.2211% | 1,877 |
Core capital (leverage) ratio | 12.1254% | 1,532 |
Tier 1 risk-based capital ratio | 24.7443% | 840 |
Total risk-based capital ratio | 26.0073% | 821 |
Memoranda: | ||
Average total assets | $29,685,000 | 5,908 |
Average earning assets | $28,624,000 | 5,869 |
Average equity | $3,594,500 | 5,872 |
Average total loans | $23,206,500 | 5,578 |
2015-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3179% | 2,165 |
Cost of funding earning assets | 0.8245% | 435 |
Net interest margin | 3.4934% | 3,548 |
Noninterest income to average assets | 0.0094% | 6,085 |
Noninterest expense to average assets | 2.6668% | 3,706 |
Loan and lease loss provision to assets | 0.4125% | 320 |
Net operating income to assets | 0.2015% | 5,571 |
Return on assets (ROA) | 0.2015% | 5,635 |
Pretax return on assets | 0.3054% | 5,512 |
Return on Equity (ROE) | 1.7995% | 5,621 |
Retained earnings to average equity (ytd only) | 1.7995% | 4,706 |
Net charge-offs to loans | 0.1138% | 2,239 |
Credit loss provision to net charge-offs | 467.8571% | 666 |
Earnings coverage of net charge-offs (x) | 8.1429% | 2,991 |
Efficiency ratio | 78.7907% | 1,847 |
Assets per employee ($millions) | 7.4598% | 716 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5859% | 1,657 |
Loan loss allowance to noncurrent loans | 29.3600% | 5,342 |
Noncurrent assets plus other real estate owned to assets | 5.7810% | 147 |
Noncurrent loans to loans | 5.4014% | 172 |
Net loans and leases to total assets | 76.3263% | 1,354 |
Net loans and leases to deposits | 89.5279% | 1,680 |
Net loans and leases to core deposits | 89.5279% | 2,451 |
Total domestic deposits to total assets | 85.2542% | 2,968 |
Equity capital to assets | 11.9977% | 1,951 |
Core capital (leverage) ratio | 11.9482% | 1,652 |
Tier 1 risk-based capital ratio | 24.5068% | 863 |
Total risk-based capital ratio | 25.7671% | 846 |
Memoranda: | ||
Average total assets | $31,761,000 | 5,934 |
Average earning assets | $30,686,400 | 5,891 |
Average equity | $3,556,600 | 5,917 |
Average total loans | $24,601,200 | 5,567 |
2015-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3216% | 2,164 |
Cost of funding earning assets | 0.8215% | 439 |
Net interest margin | 3.5001% | 3,532 |
Noninterest income to average assets | 0.0083% | 6,176 |
Noninterest expense to average assets | 2.5846% | 3,928 |
Loan and lease loss provision to assets | 0.5417% | 183 |
Net operating income to assets | 0.1696% | 5,737 |
Return on assets (ROA) | 0.1696% | 5,792 |
Pretax return on assets | 0.2647% | 5,695 |
Return on Equity (ROE) | 1.5397% | 5,768 |
Retained earnings to average equity (ytd only) | 1.5397% | 5,097 |
Net charge-offs to loans | -0.0374% | 5,434 |
Credit loss provision to net charge-offs | -1,871.4286% | 5,589 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 76.2195% | 2,209 |
Assets per employee ($millions) | 7.5708% | 662 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6738% | 1,541 |
Loan loss allowance to noncurrent loans | 29.2274% | 5,452 |
Noncurrent assets plus other real estate owned to assets | 6.0991% | 137 |
Noncurrent loans to loans | 5.7267% | 152 |
Net loans and leases to total assets | 77.7895% | 1,135 |
Net loans and leases to deposits | 90.6038% | 1,572 |
Net loans and leases to core deposits | 90.6038% | 2,402 |
Total domestic deposits to total assets | 85.8568% | 2,611 |
Equity capital to assets | 11.7459% | 2,309 |
Core capital (leverage) ratio | 11.4043% | 2,119 |
Tier 1 risk-based capital ratio | 23.6378% | 983 |
Total risk-based capital ratio | 24.9019% | 971 |
Memoranda: | ||
Average total assets | $32,241,500 | 6,006 |
Average earning assets | $31,160,250 | 5,955 |
Average equity | $3,550,750 | 5,997 |
Average total loans | $24,966,000 | 5,619 |
2015-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3168% | 2,117 |
Cost of funding earning assets | 0.8169% | 450 |
Net interest margin | 3.5000% | 3,498 |
Noninterest income to average assets | 0.0122% | 6,240 |
Noninterest expense to average assets | 2.6509% | 3,743 |
Loan and lease loss provision to assets | 0.1216% | 1,817 |
Net operating income to assets | 0.4256% | 5,060 |
Return on assets (ROA) | 0.4256% | 5,164 |
Pretax return on assets | 0.6262% | 4,904 |
Return on Equity (ROE) | 3.9451% | 5,034 |
Retained earnings to average equity (ytd only) | 3.9451% | 3,497 |
Net charge-offs to loans | -0.0553% | 5,580 |
Credit loss provision to net charge-offs | -285.7143% | 5,096 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 77.9964% | 2,074 |
Assets per employee ($millions) | 6.3066% | 1,148 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1689% | 3,979 |
Loan loss allowance to noncurrent loans | 20.9538% | 5,662 |
Noncurrent assets plus other real estate owned to assets | 5.8954% | 164 |
Noncurrent loans to loans | 5.5784% | 187 |
Net loans and leases to total assets | 77.7598% | 1,103 |
Net loans and leases to deposits | 90.4163% | 1,543 |
Net loans and leases to core deposits | 90.4163% | 2,309 |
Total domestic deposits to total assets | 86.0020% | 2,692 |
Equity capital to assets | 11.3754% | 2,512 |
Core capital (leverage) ratio | 11.0895% | 2,333 |
Tier 1 risk-based capital ratio | 22.8388% | 1,101 |
Total risk-based capital ratio | 24.0938% | 1,078 |
Memoranda: | ||
Average total assets | $32,894,330 | 6,063 |
Average earning assets | $31,829,000 | 6,002 |
Average equity | $3,548,670 | 6,058 |
Average total loans | $25,302,000 | 5,655 |
2015-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3177% | 2,036 |
Cost of funding earning assets | 0.7996% | 499 |
Net interest margin | 3.5182% | 3,351 |
Noninterest income to average assets | 0.0119% | 6,306 |
Noninterest expense to average assets | 2.7759% | 3,325 |
Loan and lease loss provision to assets | 0.1549% | 1,311 |
Net operating income to assets | 0.3455% | 5,261 |
Return on assets (ROA) | 0.3455% | 5,378 |
Pretax return on assets | 0.4885% | 5,212 |
Return on Equity (ROE) | 3.2866% | 5,260 |
Retained earnings to average equity (ytd only) | 3.2866% | 4,014 |
Net charge-offs to loans | -0.1096% | 5,887 |
Credit loss provision to net charge-offs | -185.7143% | 4,591 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 81.1847% | 1,731 |
Assets per employee ($millions) | 6.6102% | 1,018 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1262% | 4,391 |
Loan loss allowance to noncurrent loans | 21.9040% | 5,693 |
Noncurrent assets plus other real estate owned to assets | 5.3463% | 216 |
Noncurrent loans to loans | 5.1415% | 250 |
Net loans and leases to total assets | 75.1747% | 1,327 |
Net loans and leases to deposits | 86.2379% | 1,799 |
Net loans and leases to core deposits | 86.2379% | 2,518 |
Total domestic deposits to total assets | 87.1713% | 2,280 |
Equity capital to assets | 10.7289% | 3,291 |
Core capital (leverage) ratio | 10.5373% | 2,912 |
Tier 1 risk-based capital ratio | 22.0809% | 1,226 |
Total risk-based capital ratio | 23.3340% | 1,210 |
Memoranda: | ||
Average total assets | $33,575,000 | 6,108 |
Average earning assets | $32,517,000 | 6,047 |
Average equity | $3,529,500 | 6,122 |
Average total loans | $25,548,000 | 5,696 |
2014-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4911% | 1,908 |
Cost of funding earning assets | 0.8341% | 552 |
Net interest margin | 3.6570% | 3,192 |
Noninterest income to average assets | -0.0798% | 6,443 |
Noninterest expense to average assets | 2.4104% | 4,817 |
Loan and lease loss provision to assets | 0.0256% | 4,093 |
Net operating income to assets | 0.8576% | 3,075 |
Return on assets (ROA) | 0.8576% | 3,173 |
Pretax return on assets | 1.0570% | 3,267 |
Return on Equity (ROE) | 8.9509% | 2,616 |
Retained earnings to average equity (ytd only) | 8.9509% | 718 |
Net charge-offs to loans | 0.2780% | 1,560 |
Credit loss provision to net charge-offs | 11.3924% | 4,087 |
Earnings coverage of net charge-offs (x) | 4.8101% | 3,561 |
Efficiency ratio | 69.0049% | 3,714 |
Assets per employee ($millions) | 6.8198% | 917 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0128% | 4,976 |
Loan loss allowance to noncurrent loans | 21.3301% | 5,815 |
Noncurrent assets plus other real estate owned to assets | 5.0089% | 278 |
Noncurrent loans to loans | 4.7483% | 331 |
Net loans and leases to total assets | 75.3805% | 1,355 |
Net loans and leases to deposits | 86.5659% | 1,908 |
Net loans and leases to core deposits | 86.5659% | 2,640 |
Total domestic deposits to total assets | 87.0788% | 2,235 |
Equity capital to assets | 10.3024% | 3,716 |
Core capital (leverage) ratio | 10.2659% | 3,221 |
Tier 1 risk-based capital ratio | 20.4661% | 1,516 |
Total risk-based capital ratio | 21.7186% | 1,485 |
Memoranda: | ||
Average total assets | $35,098,000 | 6,156 |
Average earning assets | $34,290,000 | 6,080 |
Average equity | $3,362,800 | 6,205 |
Average total loans | $28,415,800 | 5,631 |
2014-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5164% | 1,813 |
Cost of funding earning assets | 0.8362% | 574 |
Net interest margin | 3.6802% | 3,103 |
Noninterest income to average assets | -0.1169% | 6,534 |
Noninterest expense to average assets | 2.3575% | 4,947 |
Loan and lease loss provision to assets | 0.0339% | 3,725 |
Net operating income to assets | 0.9128% | 2,851 |
Return on assets (ROA) | 0.9128% | 2,951 |
Pretax return on assets | 1.0939% | 3,214 |
Return on Equity (ROE) | 9.7033% | 2,350 |
Retained earnings to average equity (ytd only) | 9.7033% | 777 |
Net charge-offs to loans | 0.0000% | 4,696 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 67.6407% | 3,917 |
Assets per employee ($millions) | 6.8502% | 858 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2179% | 4,135 |
Loan loss allowance to noncurrent loans | 16.7894% | 5,972 |
Noncurrent assets plus other real estate owned to assets | 6.0728% | 230 |
Noncurrent loans to loans | 7.2543% | 156 |
Net loans and leases to total assets | 80.9845% | 609 |
Net loans and leases to deposits | 92.6020% | 1,170 |
Net loans and leases to core deposits | 92.6020% | 1,987 |
Total domestic deposits to total assets | 87.4544% | 2,056 |
Equity capital to assets | 10.0873% | 4,062 |
Core capital (leverage) ratio | 9.9142% | 3,795 |
Tier 1 risk-based capital ratio | 19.2834% | 1,826 |
Total risk-based capital ratio | 20.5392% | 1,799 |
Memoranda: | ||
Average total assets | $35,347,750 | 6,222 |
Average earning assets | $34,599,000 | 6,147 |
Average equity | $3,325,250 | 6,280 |
Average total loans | $29,028,000 | 5,661 |
2014-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5279% | 1,742 |
Cost of funding earning assets | 0.8243% | 631 |
Net interest margin | 3.7036% | 2,949 |
Noninterest income to average assets | -0.1400% | 6,609 |
Noninterest expense to average assets | 2.3409% | 5,052 |
Loan and lease loss provision to assets | 0.0000% | 4,196 |
Net operating income to assets | 0.5432% | 4,633 |
Return on assets (ROA) | 0.5432% | 4,727 |
Pretax return on assets | 1.1424% | 2,920 |
Return on Equity (ROE) | 5.9110% | 4,203 |
Retained earnings to average equity (ytd only) | 5.9110% | 2,372 |
Net charge-offs to loans | 0.0000% | 4,375 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 67.2026% | 4,159 |
Assets per employee ($millions) | 7.0620% | 776 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1581% | 4,630 |
Loan loss allowance to noncurrent loans | 16.0019% | 6,044 |
Noncurrent assets plus other real estate owned to assets | 6.0351% | 243 |
Noncurrent loans to loans | 7.2373% | 163 |
Net loans and leases to total assets | 80.4899% | 628 |
Net loans and leases to deposits | 91.4918% | 1,217 |
Net loans and leases to core deposits | 91.4918% | 1,975 |
Total domestic deposits to total assets | 87.9751% | 1,910 |
Equity capital to assets | 9.3769% | 4,864 |
Core capital (leverage) ratio | 9.2100% | 4,726 |
Tier 1 risk-based capital ratio | 18.0318% | 2,231 |
Total risk-based capital ratio | 19.2844% | 2,198 |
Memoranda: | ||
Average total assets | $35,713,330 | 6,273 |
Average earning assets | $34,938,670 | 6,192 |
Average equity | $3,282,000 | 6,336 |
Average total loans | $29,344,000 | 5,683 |
2014-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5401% | 1,677 |
Cost of funding earning assets | 0.8213% | 663 |
Net interest margin | 3.7188% | 2,793 |
Noninterest income to average assets | -0.0557% | 6,651 |
Noninterest expense to average assets | 2.3723% | 5,003 |
Loan and lease loss provision to assets | 0.0000% | 3,817 |
Net operating income to assets | 1.2028% | 1,479 |
Return on assets (ROA) | 1.2028% | 1,542 |
Pretax return on assets | 1.2028% | 2,474 |
Return on Equity (ROE) | 13.2211% | 1,106 |
Retained earnings to average equity (ytd only) | 13.2211% | 461 |
Net charge-offs to loans | 0.0000% | 3,660 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 66.3551% | 4,474 |
Assets per employee ($millions) | 7.2056% | 716 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1176% | 5,045 |
Loan loss allowance to noncurrent loans | 19.1820% | 6,095 |
Noncurrent assets plus other real estate owned to assets | 5.0128% | 404 |
Noncurrent loans to loans | 5.8265% | 324 |
Net loans and leases to total assets | 81.7753% | 373 |
Net loans and leases to deposits | 92.1638% | 941 |
Net loans and leases to core deposits | 92.1638% | 1,715 |
Total domestic deposits to total assets | 88.7282% | 1,815 |
Equity capital to assets | 9.2206% | 4,851 |
Core capital (leverage) ratio | 9.2602% | 4,634 |
Tier 1 risk-based capital ratio | 17.6327% | 2,439 |
Total risk-based capital ratio | 18.8854% | 2,401 |
Memoranda: | ||
Average total assets | $35,915,000 | 6,331 |
Average earning assets | $35,065,500 | 6,252 |
Average equity | $3,267,500 | 6,397 |
Average total loans | $29,639,000 | 5,728 |
2013-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6433% | 1,737 |
Cost of funding earning assets | 0.9388% | 612 |
Net interest margin | 3.7045% | 3,034 |
Noninterest income to average assets | -0.2330% | 6,768 |
Noninterest expense to average assets | 2.6673% | 4,218 |
Loan and lease loss provision to assets | 1.1459% | 148 |
Net operating income to assets | -0.4523% | 6,476 |
Return on assets (ROA) | -0.4276% | 6,476 |
Pretax return on assets | -0.4194% | 6,459 |
Return on Equity (ROE) | -4.6184% | 6,476 |
Retained earnings to average equity (ytd only) | -4.6184% | 6,348 |
Net charge-offs to loans | 0.9108% | 669 |
Credit loss provision to net charge-offs | 158.3333% | 1,447 |
Earnings coverage of net charge-offs (x) | 0.9697% | 4,759 |
Efficiency ratio | 79.1701% | 2,290 |
Assets per employee ($millions) | 7.1604% | 700 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1295% | 5,001 |
Loan loss allowance to noncurrent loans | 18.7817% | 6,197 |
Noncurrent assets plus other real estate owned to assets | 5.4410% | 400 |
Noncurrent loans to loans | 6.0136% | 342 |
Net loans and leases to total assets | 81.4200% | 456 |
Net loans and leases to deposits | 91.9616% | 1,054 |
Net loans and leases to core deposits | 91.9616% | 1,799 |
Total domestic deposits to total assets | 88.5370% | 1,894 |
Equity capital to assets | 8.9744% | 5,065 |
Core capital (leverage) ratio | 8.8464% | 5,214 |
Tier 1 risk-based capital ratio | 17.0442% | 2,588 |
Total risk-based capital ratio | 18.2961% | 2,559 |
Memoranda: | ||
Average total assets | $36,479,200 | 6,374 |
Average earning assets | $35,470,400 | 6,302 |
Average equity | $3,377,800 | 6,458 |
Average total loans | $28,985,400 | 5,807 |
2013-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9328% | 1,062 |
Cost of funding earning assets | 0.9588% | 609 |
Net interest margin | 3.9740% | 2,023 |
Noninterest income to average assets | -0.1673% | 6,827 |
Noninterest expense to average assets | 2.7395% | 3,869 |
Loan and lease loss provision to assets | 0.8295% | 222 |
Net operating income to assets | 0.0892% | 6,156 |
Return on assets (ROA) | 0.1128% | 6,179 |
Pretax return on assets | 0.1564% | 6,122 |
Return on Equity (ROE) | 1.2088% | 6,142 |
Retained earnings to average equity (ytd only) | 1.2088% | 5,498 |
Net charge-offs to loans | 1.2196% | 444 |
Credit loss provision to net charge-offs | 86.3636% | 2,703 |
Earnings coverage of net charge-offs (x) | 0.9924% | 4,515 |
Efficiency ratio | 74.1872% | 3,031 |
Assets per employee ($millions) | 7.2874% | 651 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.4948% | 6,659 |
Loan loss allowance to noncurrent loans | 12.9295% | 6,336 |
Noncurrent assets plus other real estate owned to assets | 4.2512% | 723 |
Noncurrent loans to loans | 3.8270% | 945 |
Net loans and leases to total assets | 78.9225% | 658 |
Net loans and leases to deposits | 89.1082% | 1,258 |
Net loans and leases to core deposits | 89.8600% | 1,980 |
Total domestic deposits to total assets | 88.5693% | 1,799 |
Equity capital to assets | 9.3312% | 4,762 |
Core capital (leverage) ratio | 9.4321% | 4,504 |
Tier 1 risk-based capital ratio | 17.7629% | 2,418 |
Total risk-based capital ratio | 17.9980% | 2,781 |
Memoranda: | ||
Average total assets | $36,648,500 | 6,440 |
Average earning assets | $35,597,500 | 6,367 |
Average equity | $3,419,000 | 6,526 |
Average total loans | $28,861,000 | 5,871 |
2013-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0072% | 900 |
Cost of funding earning assets | 0.9847% | 583 |
Net interest margin | 4.0225% | 1,787 |
Noninterest income to average assets | -0.2070% | 6,870 |
Noninterest expense to average assets | 2.5273% | 4,638 |
Loan and lease loss provision to assets | 0.3377% | 1,007 |
Net operating income to assets | 0.4924% | 4,834 |
Return on assets (ROA) | 0.5447% | 4,747 |
Pretax return on assets | 0.9260% | 3,801 |
Return on Equity (ROE) | 5.8389% | 4,261 |
Retained earnings to average equity (ytd only) | 5.8389% | 2,527 |
Net charge-offs to loans | 0.3674% | 1,736 |
Credit loss provision to net charge-offs | 116.9811% | 1,895 |
Earnings coverage of net charge-offs (x) | 4.0943% | 3,215 |
Efficiency ratio | 68.1351% | 4,157 |
Assets per employee ($millions) | 9.0790% | 295 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.6610% | 6,547 |
Loan loss allowance to noncurrent loans | 11.1967% | 6,410 |
Noncurrent assets plus other real estate owned to assets | 6.2039% | 428 |
Noncurrent loans to loans | 5.9040% | 494 |
Net loans and leases to total assets | 78.2080% | 724 |
Net loans and leases to deposits | 88.9926% | 1,233 |
Net loans and leases to core deposits | 90.6370% | 1,848 |
Total domestic deposits to total assets | 87.8814% | 2,331 |
Equity capital to assets | 9.5412% | 4,532 |
Core capital (leverage) ratio | 9.4494% | 4,321 |
Tier 1 risk-based capital ratio | 18.1063% | 2,283 |
Total risk-based capital ratio | 18.8274% | 2,453 |
Memoranda: | ||
Average total assets | $36,719,000 | 6,489 |
Average earning assets | $35,748,670 | 6,413 |
Average equity | $3,425,330 | 6,576 |
Average total loans | $28,848,000 | 5,899 |
2013-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8931% | 1,103 |
Cost of funding earning assets | 1.0097% | 591 |
Net interest margin | 3.8834% | 2,168 |
Noninterest income to average assets | 0.0000% | 6,849 |
Noninterest expense to average assets | 2.3402% | 5,306 |
Loan and lease loss provision to assets | 0.5092% | 529 |
Net operating income to assets | 0.5525% | 4,443 |
Return on assets (ROA) | 0.5525% | 4,596 |
Pretax return on assets | 0.9426% | 3,599 |
Return on Equity (ROE) | 5.9903% | 4,053 |
Retained earnings to average equity (ytd only) | 5.9903% | 2,679 |
Net charge-offs to loans | 0.0000% | 4,145 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 61.7143% | 5,343 |
Assets per employee ($millions) | 9.1043% | 306 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.7832% | 6,484 |
Loan loss allowance to noncurrent loans | 10.4727% | 6,491 |
Noncurrent assets plus other real estate owned to assets | 6.6123% | 448 |
Noncurrent loans to loans | 7.4785% | 368 |
Net loans and leases to total assets | 78.6171% | 547 |
Net loans and leases to deposits | 88.7697% | 1,074 |
Net loans and leases to core deposits | 90.3896% | 1,665 |
Total domestic deposits to total assets | 88.5630% | 1,966 |
Equity capital to assets | 9.4214% | 4,972 |
Core capital (leverage) ratio | 9.2520% | 4,477 |
Tier 1 risk-based capital ratio | 17.4945% | 2,560 |
Total risk-based capital ratio | 18.5585% | 2,605 |
Memoranda: | ||
Average total assets | $36,920,500 | 6,551 |
Average earning assets | $36,050,500 | 6,467 |
Average equity | $3,405,500 | 6,640 |
Average total loans | $28,976,500 | 5,937 |
2012-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3962% | 765 |
Cost of funding earning assets | 1.1750% | 649 |
Net interest margin | 4.2212% | 1,600 |
Noninterest income to average assets | -0.0672% | 6,897 |
Noninterest expense to average assets | 2.4368% | 5,296 |
Loan and lease loss provision to assets | 0.6375% | 845 |
Net operating income to assets | 0.5890% | 4,290 |
Return on assets (ROA) | 0.5890% | 4,550 |
Pretax return on assets | 0.9844% | 3,600 |
Return on Equity (ROE) | 6.6940% | 3,819 |
Retained earnings to average equity (ytd only) | 6.6940% | 1,723 |
Net charge-offs to loans | 1.0814% | 982 |
Credit loss provision to net charge-offs | 72.4771% | 4,086 |
Earnings coverage of net charge-offs (x) | 1.8440% | 4,510 |
Efficiency ratio | 60.0398% | 5,532 |
Assets per employee ($millions) | 9.3560% | 293 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.6186% | 6,733 |
Loan loss allowance to noncurrent loans | 9.2450% | 6,553 |
Noncurrent assets plus other real estate owned to assets | 5.7931% | 616 |
Noncurrent loans to loans | 6.6914% | 488 |
Net loans and leases to total assets | 77.2686% | 763 |
Net loans and leases to deposits | 87.2176% | 1,363 |
Net loans and leases to core deposits | 88.7624% | 2,000 |
Total domestic deposits to total assets | 88.5929% | 1,842 |
Equity capital to assets | 9.0316% | 5,489 |
Core capital (leverage) ratio | 9.0247% | 4,867 |
Tier 1 risk-based capital ratio | 16.8830% | 2,708 |
Total risk-based capital ratio | 17.4242% | 3,019 |
Memoranda: | ||
Average total assets | $37,179,200 | 6,578 |
Average earning assets | $36,340,200 | 6,490 |
Average equity | $3,271,600 | 6,729 |
Average total loans | $30,239,400 | 5,937 |
2012-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.5680% | 588 |
Cost of funding earning assets | 1.2055% | 675 |
Net interest margin | 4.3625% | 1,315 |
Noninterest income to average assets | -0.0287% | 6,983 |
Noninterest expense to average assets | 2.3851% | 5,441 |
Loan and lease loss provision to assets | 0.8154% | 576 |
Net operating income to assets | 0.6322% | 4,229 |
Return on assets (ROA) | 0.6322% | 4,483 |
Pretax return on assets | 1.0345% | 3,588 |
Return on Equity (ROE) | 7.2325% | 3,678 |
Retained earnings to average equity (ytd only) | 7.2325% | 1,993 |
Net charge-offs to loans | 1.3715% | 664 |
Credit loss provision to net charge-offs | 72.2930% | 3,842 |
Earnings coverage of net charge-offs (x) | 1.6401% | 4,460 |
Efficiency ratio | 56.3189% | 6,016 |
Assets per employee ($millions) | 7.3606% | 625 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.6186% | 6,842 |
Loan loss allowance to noncurrent loans | 6.6232% | 6,665 |
Noncurrent assets plus other real estate owned to assets | 7.7847% | 404 |
Noncurrent loans to loans | 9.3405% | 289 |
Net loans and leases to total assets | 79.8794% | 514 |
Net loans and leases to deposits | 90.1586% | 1,130 |
Net loans and leases to core deposits | 91.7827% | 1,800 |
Total domestic deposits to total assets | 88.5988% | 1,660 |
Equity capital to assets | 9.0699% | 5,751 |
Core capital (leverage) ratio | 9.0096% | 5,053 |
Tier 1 risk-based capital ratio | 16.4677% | 3,019 |
Total risk-based capital ratio | 17.0274% | 3,353 |
Memoranda: | ||
Average total assets | $37,118,000 | 6,664 |
Average earning assets | $36,277,750 | 6,572 |
Average equity | $3,244,500 | 6,826 |
Average total loans | $30,525,000 | 6,000 |
2012-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.5834% | 594 |
Cost of funding earning assets | 1.2475% | 658 |
Net interest margin | 4.3359% | 1,380 |
Noninterest income to average assets | 0.0054% | 6,974 |
Noninterest expense to average assets | 2.3641% | 5,579 |
Loan and lease loss provision to assets | 0.7630% | 678 |
Net operating income to assets | 0.6340% | 4,202 |
Return on assets (ROA) | 0.6340% | 4,449 |
Pretax return on assets | 1.1176% | 3,240 |
Return on Equity (ROE) | 7.3444% | 3,591 |
Retained earnings to average equity (ytd only) | 7.3444% | 1,936 |
Net charge-offs to loans | 0.2789% | 2,924 |
Credit loss provision to net charge-offs | 330.2326% | 900 |
Earnings coverage of net charge-offs (x) | 8.1395% | 2,358 |
Efficiency ratio | 55.6962% | 6,150 |
Assets per employee ($millions) | 7.3898% | 615 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1998% | 5,351 |
Loan loss allowance to noncurrent loans | 21.4660% | 6,478 |
Noncurrent assets plus other real estate owned to assets | 5.0123% | 949 |
Noncurrent loans to loans | 5.5895% | 831 |
Net loans and leases to total assets | 82.2350% | 326 |
Net loans and leases to deposits | 92.6231% | 875 |
Net loans and leases to core deposits | 94.2784% | 1,573 |
Total domestic deposits to total assets | 88.7845% | 1,651 |
Equity capital to assets | 8.8582% | 5,854 |
Core capital (leverage) ratio | 8.8056% | 5,204 |
Tier 1 risk-based capital ratio | 16.0049% | 3,167 |
Total risk-based capital ratio | 17.3072% | 3,102 |
Memoranda: | ||
Average total assets | $37,223,000 | 6,704 |
Average earning assets | $36,393,670 | 6,611 |
Average equity | $3,213,330 | 6,868 |
Average total loans | $30,839,670 | 6,021 |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.7361% | 483 |
Cost of funding earning assets | 1.3136% | 599 |
Net interest margin | 4.4225% | 1,181 |
Noninterest income to average assets | 0.0000% | 7,087 |
Noninterest expense to average assets | 2.3233% | 5,709 |
Loan and lease loss provision to assets | 0.8458% | 554 |
Net operating income to assets | 0.6638% | 4,055 |
Return on assets (ROA) | 0.6638% | 4,272 |
Pretax return on assets | 1.1563% | 3,083 |
Return on Equity (ROE) | 7.7902% | 3,365 |
Retained earnings to average equity (ytd only) | 7.7902% | 2,055 |
Net charge-offs to loans | 0.5569% | 1,693 |
Credit loss provision to net charge-offs | 183.7209% | 1,424 |
Earnings coverage of net charge-offs (x) | 4.3488% | 2,589 |
Efficiency ratio | 53.7129% | 6,378 |
Assets per employee ($millions) | 7.4096% | 620 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0022% | 6,235 |
Loan loss allowance to noncurrent loans | 20.2114% | 6,558 |
Noncurrent assets plus other real estate owned to assets | 4.4456% | 1,210 |
Noncurrent loans to loans | 4.9584% | 1,140 |
Net loans and leases to total assets | 81.5914% | 296 |
Net loans and leases to deposits | 91.1718% | 862 |
Net loans and leases to core deposits | 92.7837% | 1,573 |
Total domestic deposits to total assets | 89.4920% | 1,377 |
Equity capital to assets | 8.6806% | 5,900 |
Core capital (leverage) ratio | 8.5634% | 5,492 |
Tier 1 risk-based capital ratio | 16.0268% | 3,163 |
Total risk-based capital ratio | 17.3249% | 3,100 |
Memoranda: | ||
Average total assets | $37,360,000 | 6,757 |
Average earning assets | $36,540,500 | 6,660 |
Average equity | $3,183,500 | 6,926 |
Average total loans | $30,882,500 | 6,068 |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.5358% | 1,081 |
Cost of funding earning assets | 1.4640% | 824 |
Net interest margin | 4.0718% | 2,561 |
Noninterest income to average assets | -0.0973% | 7,097 |
Noninterest expense to average assets | 2.4596% | 5,601 |
Loan and lease loss provision to assets | 0.3998% | 2,593 |
Net operating income to assets | 0.6129% | 3,928 |
Return on assets (ROA) | 0.6129% | 4,118 |
Pretax return on assets | 1.0233% | 3,151 |
Return on Equity (ROE) | 7.6393% | 3,084 |
Retained earnings to average equity (ytd only) | 7.6393% | 1,212 |
Net charge-offs to loans | 0.2390% | 4,283 |
Credit loss provision to net charge-offs | 200.0000% | 1,243 |
Earnings coverage of net charge-offs (x) | 7.1184% | 2,394 |
Efficiency ratio | 63.3469% | 5,241 |
Assets per employee ($millions) | 7.5344% | 566 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8645% | 6,613 |
Loan loss allowance to noncurrent loans | 16.3142% | 6,712 |
Noncurrent assets plus other real estate owned to assets | 4.3932% | 1,258 |
Noncurrent loans to loans | 5.2992% | 1,025 |
Net loans and leases to total assets | 82.1857% | 325 |
Net loans and leases to deposits | 91.9570% | 972 |
Net loans and leases to core deposits | 94.2754% | 1,665 |
Total domestic deposits to total assets | 89.3741% | 1,323 |
Equity capital to assets | 8.3643% | 6,289 |
Core capital (leverage) ratio | 8.3986% | 5,716 |
Tier 1 risk-based capital ratio | 15.4234% | 3,377 |
Total risk-based capital ratio | 16.7197% | 3,303 |
Memoranda: | ||
Average total assets | $38,014,600 | 6,740 |
Average earning assets | $37,158,400 | 6,635 |
Average equity | $3,050,000 | 7,000 |
Average total loans | $31,796,000 | 6,083 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.6217% | 989 |
Cost of funding earning assets | 1.4967% | 872 |
Net interest margin | 4.1250% | 2,376 |
Noninterest income to average assets | -0.1295% | 7,232 |
Noninterest expense to average assets | 2.3341% | 5,949 |
Loan and lease loss provision to assets | 0.4864% | 2,041 |
Net operating income to assets | 0.6614% | 3,814 |
Return on assets (ROA) | 0.6614% | 3,989 |
Pretax return on assets | 1.0813% | 3,091 |
Return on Equity (ROE) | 8.3309% | 2,904 |
Retained earnings to average equity (ytd only) | 8.3309% | 1,378 |
Net charge-offs to loans | 0.3173% | 3,513 |
Credit loss provision to net charge-offs | 182.8947% | 1,621 |
Earnings coverage of net charge-offs (x) | 5.8948% | 2,673 |
Efficiency ratio | 59.8206% | 5,754 |
Assets per employee ($millions) | 7.5758% | 560 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8214% | 6,775 |
Loan loss allowance to noncurrent loans | 15.5193% | 6,805 |
Noncurrent assets plus other real estate owned to assets | 4.3718% | 1,378 |
Noncurrent loans to loans | 5.2929% | 1,149 |
Net loans and leases to total assets | 81.9187% | 365 |
Net loans and leases to deposits | 91.4314% | 1,059 |
Net loans and leases to core deposits | 95.1695% | 1,682 |
Total domestic deposits to total assets | 89.5958% | 1,094 |
Equity capital to assets | 8.1972% | 6,568 |
Core capital (leverage) ratio | 8.1601% | 6,180 |
Tier 1 risk-based capital ratio | 15.0327% | 3,645 |
Total risk-based capital ratio | 16.2769% | 3,613 |
Memoranda: | ||
Average total assets | $38,100,250 | 6,791 |
Average earning assets | $37,235,500 | 6,693 |
Average equity | $3,024,750 | 7,064 |
Average total loans | $31,937,250 | 6,139 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.6017% | 1,067 |
Cost of funding earning assets | 1.5277% | 909 |
Net interest margin | 4.0739% | 2,517 |
Noninterest income to average assets | 0.0052% | 7,174 |
Noninterest expense to average assets | 2.1795% | 6,428 |
Loan and lease loss provision to assets | 0.3458% | 2,710 |
Net operating income to assets | 0.8173% | 2,998 |
Return on assets (ROA) | 0.8173% | 3,118 |
Pretax return on assets | 1.4617% | 1,635 |
Return on Equity (ROE) | 10.4069% | 1,982 |
Retained earnings to average equity (ytd only) | 10.4069% | 766 |
Net charge-offs to loans | 0.4727% | 2,684 |
Credit loss provision to net charge-offs | 86.8421% | 3,559 |
Earnings coverage of net charge-offs (x) | 4.5395% | 2,835 |
Efficiency ratio | 54.6649% | 6,550 |
Assets per employee ($millions) | 7.7352% | 503 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.5805% | 7,163 |
Loan loss allowance to noncurrent loans | 9.4943% | 6,958 |
Noncurrent assets plus other real estate owned to assets | 5.2461% | 1,156 |
Noncurrent loans to loans | 6.1140% | 963 |
Net loans and leases to total assets | 81.4821% | 412 |
Net loans and leases to deposits | 90.7087% | 1,195 |
Net loans and leases to core deposits | 95.7523% | 1,708 |
Total domestic deposits to total assets | 89.8283% | 1,059 |
Equity capital to assets | 7.9507% | 6,711 |
Core capital (leverage) ratio | 8.0401% | 6,251 |
Tier 1 risk-based capital ratio | 14.5414% | 3,761 |
Total risk-based capital ratio | 15.4127% | 4,019 |
Memoranda: | ||
Average total assets | $38,174,000 | 6,857 |
Average earning assets | $37,310,330 | 6,750 |
Average equity | $2,998,000 | 7,130 |
Average total loans | $32,154,000 | 6,181 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.5980% | 1,058 |
Cost of funding earning assets | 1.5640% | 938 |
Net interest margin | 4.0340% | 2,548 |
Noninterest income to average assets | 0.0000% | 7,288 |
Noninterest expense to average assets | 2.2467% | 6,311 |
Loan and lease loss provision to assets | 0.2320% | 3,330 |
Net operating income to assets | 0.8016% | 3,026 |
Return on assets (ROA) | 0.8016% | 3,095 |
Pretax return on assets | 1.4661% | 1,551 |
Return on Equity (ROE) | 10.2720% | 2,000 |
Retained earnings to average equity (ytd only) | 10.2720% | 1,055 |
Net charge-offs to loans | 0.9388% | 1,428 |
Credit loss provision to net charge-offs | 28.9474% | 4,134 |
Earnings coverage of net charge-offs (x) | 2.1184% | 3,238 |
Efficiency ratio | 56.9519% | 6,387 |
Assets per employee ($millions) | 7.5520% | 572 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.4385% | 7,324 |
Loan loss allowance to noncurrent loans | 10.3704% | 7,005 |
Noncurrent assets plus other real estate owned to assets | 3.8162% | 1,762 |
Noncurrent loans to loans | 4.2288% | 1,689 |
Net loans and leases to total assets | 84.1737% | 218 |
Net loans and leases to deposits | 93.0772% | 910 |
Net loans and leases to core deposits | 98.3416% | 1,489 |
Total domestic deposits to total assets | 90.4343% | 878 |
Equity capital to assets | 7.9370% | 6,557 |
Core capital (leverage) ratio | 7.9208% | 6,342 |
Tier 1 risk-based capital ratio | 13.7811% | 4,225 |
Total risk-based capital ratio | 14.4242% | 4,661 |
Memoranda: | ||
Average total assets | $37,923,000 | 6,906 |
Average earning assets | $37,085,000 | 6,801 |
Average equity | $2,959,500 | 7,179 |
Average total loans | $32,382,000 | 6,215 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.9697% | 906 |
Cost of funding earning assets | 1.8512% | 994 |
Net interest margin | 4.1185% | 2,488 |
Noninterest income to average assets | 0.0162% | 7,224 |
Noninterest expense to average assets | 2.4150% | 6,060 |
Loan and lease loss provision to assets | 0.4452% | 3,459 |
Net operating income to assets | 0.6665% | 3,361 |
Return on assets (ROA) | 0.6665% | 3,503 |
Pretax return on assets | 1.1900% | 2,257 |
Return on Equity (ROE) | 8.7832% | 2,382 |
Retained earnings to average equity (ytd only) | 8.7832% | 756 |
Net charge-offs to loans | 0.1292% | 5,605 |
Credit loss provision to net charge-offs | 402.4390% | 608 |
Earnings coverage of net charge-offs (x) | 14.7805% | 1,317 |
Efficiency ratio | 59.6269% | 6,100 |
Assets per employee ($millions) | 7.6172% | 561 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.5907% | 7,275 |
Loan loss allowance to noncurrent loans | 18.1989% | 6,880 |
Noncurrent assets plus other real estate owned to assets | 3.0379% | 2,322 |
Noncurrent loans to loans | 3.2460% | 2,340 |
Net loans and leases to total assets | 85.7165% | 203 |
Net loans and leases to deposits | 94.8956% | 969 |
Net loans and leases to core deposits | 100.2149% | 1,596 |
Total domestic deposits to total assets | 90.3272% | 920 |
Equity capital to assets | 7.6721% | 6,763 |
Core capital (leverage) ratio | 7.6986% | 6,546 |
Tier 1 risk-based capital ratio | 13.5830% | 4,145 |
Total risk-based capital ratio | 14.4867% | 4,376 |
Memoranda: | ||
Average total assets | $37,059,400 | 6,971 |
Average earning assets | $36,299,800 | 6,866 |
Average equity | $2,812,200 | 7,323 |
Average total loans | $31,729,200 | 6,329 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.0205% | 898 |
Cost of funding earning assets | 1.9082% | 1,008 |
Net interest margin | 4.1123% | 2,570 |
Noninterest income to average assets | 0.0073% | 7,419 |
Noninterest expense to average assets | 2.2280% | 6,532 |
Loan and lease loss provision to assets | 0.5651% | 2,679 |
Net operating income to assets | 0.6956% | 3,436 |
Return on assets (ROA) | 0.6956% | 3,593 |
Pretax return on assets | 1.2426% | 2,355 |
Return on Equity (ROE) | 9.1926% | 2,425 |
Retained earnings to average equity (ytd only) | 9.1926% | 991 |
Net charge-offs to loans | 0.1738% | 4,923 |
Credit loss provision to net charge-offs | 380.4878% | 818 |
Earnings coverage of net charge-offs (x) | 12.1697% | 1,716 |
Efficiency ratio | 55.2065% | 6,653 |
Assets per employee ($millions) | 7.4016% | 647 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.5713% | 7,384 |
Loan loss allowance to noncurrent loans | 14.8833% | 7,076 |
Noncurrent assets plus other real estate owned to assets | 3.3587% | 2,124 |
Noncurrent loans to loans | 3.8388% | 1,990 |
Net loans and leases to total assets | 86.9947% | 142 |
Net loans and leases to deposits | 96.1131% | 967 |
Net loans and leases to core deposits | 99.3336% | 1,910 |
Total domestic deposits to total assets | 90.5129% | 634 |
Equity capital to assets | 7.7632% | 6,962 |
Core capital (leverage) ratio | 7.6929% | 6,680 |
Tier 1 risk-based capital ratio | 14.0785% | 3,774 |
Total risk-based capital ratio | 14.9882% | 3,985 |
Memoranda: | ||
Average total assets | $36,802,750 | 7,066 |
Average earning assets | $36,053,750 | 6,956 |
Average equity | $2,784,750 | 7,424 |
Average total loans | $31,451,500 | 6,418 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.0650% | 820 |
Cost of funding earning assets | 1.9679% | 990 |
Net interest margin | 4.0971% | 2,570 |
Noninterest income to average assets | 0.0109% | 7,492 |
Noninterest expense to average assets | 1.9491% | 7,186 |
Loan and lease loss provision to assets | 0.7350% | 1,972 |
Net operating income to assets | 0.7786% | 3,073 |
Return on assets (ROA) | 0.7786% | 3,217 |
Pretax return on assets | 1.3393% | 1,976 |
Return on Equity (ROE) | 10.3799% | 1,968 |
Retained earnings to average equity (ytd only) | 10.3799% | 770 |
Net charge-offs to loans | 0.0000% | 6,371 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 48.4438% | 7,317 |
Assets per employee ($millions) | 7.4596% | 635 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.6294% | 7,370 |
Loan loss allowance to noncurrent loans | 14.4989% | 7,159 |
Noncurrent assets plus other real estate owned to assets | 3.7723% | 1,850 |
Noncurrent loans to loans | 4.3411% | 1,708 |
Net loans and leases to total assets | 86.3505% | 202 |
Net loans and leases to deposits | 95.3688% | 1,107 |
Net loans and leases to core deposits | 98.5255% | 2,172 |
Total domestic deposits to total assets | 90.5437% | 669 |
Equity capital to assets | 7.5661% | 7,081 |
Core capital (leverage) ratio | 7.6078% | 6,722 |
Tier 1 risk-based capital ratio | 13.6839% | 3,952 |
Total risk-based capital ratio | 14.6763% | 4,083 |
Memoranda: | ||
Average total assets | $36,734,330 | 7,120 |
Average earning assets | $35,977,000 | 7,004 |
Average equity | $2,755,330 | 7,489 |
Average total loans | $31,142,000 | 6,471 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.0358% | 911 |
Cost of funding earning assets | 2.0381% | 981 |
Net interest margin | 3.9978% | 2,881 |
Noninterest income to average assets | 0.0000% | 7,655 |
Noninterest expense to average assets | 2.0191% | 7,129 |
Loan and lease loss provision to assets | 0.2743% | 3,833 |
Net operating income to assets | 1.1193% | 1,770 |
Return on assets (ROA) | 1.1193% | 1,854 |
Pretax return on assets | 1.6240% | 1,209 |
Return on Equity (ROE) | 14.9890% | 880 |
Retained earnings to average equity (ytd only) | 14.9890% | 413 |
Net charge-offs to loans | 0.0000% | 5,609 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 51.5406% | 7,190 |
Assets per employee ($millions) | 7.3396% | 706 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.3087% | 7,752 |
Loan loss allowance to noncurrent loans | 7.0948% | 7,367 |
Noncurrent assets plus other real estate owned to assets | 3.6487% | 1,918 |
Noncurrent loans to loans | 4.3507% | 1,738 |
Net loans and leases to total assets | 83.6067% | 409 |
Net loans and leases to deposits | 91.9394% | 1,620 |
Net loans and leases to core deposits | 95.0084% | 2,698 |
Total domestic deposits to total assets | 90.9368% | 573 |
Equity capital to assets | 7.5590% | 7,024 |
Core capital (leverage) ratio | 7.6755% | 6,652 |
Tier 1 risk-based capital ratio | 14.1451% | 3,571 |
Total risk-based capital ratio | 14.6297% | 4,026 |
Memoranda: | ||
Average total assets | $36,452,500 | 7,216 |
Average earning assets | $35,720,000 | 7,100 |
Average equity | $2,722,000 | 7,577 |
Average total loans | $30,507,500 | 6,585 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.2553% | 1,106 |
Cost of funding earning assets | 2.7805% | 468 |
Net interest margin | 3.4748% | 5,067 |
Noninterest income to average assets | 0.0030% | 7,684 |
Noninterest expense to average assets | 2.4896% | 6,170 |
Loan and lease loss provision to assets | 0.0710% | 6,868 |
Net operating income to assets | 0.5203% | 3,649 |
Return on assets (ROA) | 0.3992% | 4,232 |
Pretax return on assets | 0.6712% | 3,678 |
Return on Equity (ROE) | 5.2689% | 3,547 |
Retained earnings to average equity (ytd only) | 5.2689% | 1,689 |
Net charge-offs to loans | 0.0000% | 7,246 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 72.7744% | 4,137 |
Assets per employee ($millions) | 7.2414% | 729 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.2315% | 7,866 |
Loan loss allowance to noncurrent loans | 38.4615% | 5,859 |
Noncurrent assets plus other real estate owned to assets | 0.5027% | 6,199 |
Noncurrent loans to loans | 0.6019% | 6,033 |
Net loans and leases to total assets | 83.3209% | 507 |
Net loans and leases to deposits | 91.5736% | 1,951 |
Net loans and leases to core deposits | 121.7925% | 1,798 |
Total domestic deposits to total assets | 90.9879% | 538 |
Equity capital to assets | 7.3743% | 7,140 |
Core capital (leverage) ratio | 7.4103% | 6,876 |
Tier 1 risk-based capital ratio | 14.3379% | 3,295 |
Total risk-based capital ratio | 14.7138% | 3,791 |
Memoranda: | ||
Average total assets | $33,820,400 | 7,331 |
Average earning assets | $33,267,800 | 7,219 |
Average equity | $2,562,200 | 7,714 |
Average total loans | $28,229,400 | 6,732 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.2685% | 1,204 |
Cost of funding earning assets | 2.8979% | 463 |
Net interest margin | 3.3706% | 5,380 |
Noninterest income to average assets | 0.0040% | 7,821 |
Noninterest expense to average assets | 2.4400% | 6,277 |
Loan and lease loss provision to assets | 0.0522% | 6,855 |
Net operating income to assets | 0.4854% | 4,052 |
Return on assets (ROA) | 0.3210% | 4,823 |
Pretax return on assets | 0.5739% | 4,284 |
Return on Equity (ROE) | 4.2071% | 4,299 |
Retained earnings to average equity (ytd only) | 4.2071% | 2,924 |
Net charge-offs to loans | 0.0000% | 6,987 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 73.4300% | 3,971 |
Assets per employee ($millions) | 7.1208% | 743 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.2000% | 7,978 |
Loan loss allowance to noncurrent loans | 46.4567% | 5,220 |
Noncurrent assets plus other real estate owned to assets | 0.3567% | 6,591 |
Noncurrent loans to loans | 0.4305% | 6,476 |
Net loans and leases to total assets | 82.6958% | 713 |
Net loans and leases to deposits | 90.6440% | 2,454 |
Net loans and leases to core deposits | 120.1118% | 2,233 |
Total domestic deposits to total assets | 91.2313% | 333 |
Equity capital to assets | 7.3475% | 7,398 |
Core capital (leverage) ratio | 7.5017% | 6,968 |
Tier 1 risk-based capital ratio | 15.3018% | 2,913 |
Total risk-based capital ratio | 15.6469% | 3,276 |
Memoranda: | ||
Average total assets | $33,223,750 | 7,416 |
Average earning assets | $32,713,000 | 7,299 |
Average equity | $2,535,250 | 7,798 |
Average total loans | $27,727,250 | 6,808 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.3345% | 1,127 |
Cost of funding earning assets | 3.0200% | 441 |
Net interest margin | 3.3145% | 5,500 |
Noninterest income to average assets | 0.0617% | 7,677 |
Noninterest expense to average assets | 2.2510% | 6,916 |
Loan and lease loss provision to assets | 0.0308% | 6,935 |
Net operating income to assets | 0.6352% | 3,534 |
Return on assets (ROA) | 0.6352% | 3,644 |
Pretax return on assets | 1.0422% | 2,836 |
Return on Equity (ROE) | 8.2126% | 2,683 |
Retained earnings to average equity (ytd only) | 8.2126% | 1,147 |
Net charge-offs to loans | 0.0000% | 6,628 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 67.7180% | 5,207 |
Assets per employee ($millions) | 6.9274% | 793 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.1778% | 8,078 |
Loan loss allowance to noncurrent loans | 137.8378% | 2,135 |
Noncurrent assets plus other real estate owned to assets | 0.1068% | 7,302 |
Noncurrent loans to loans | 0.1290% | 7,193 |
Net loans and leases to total assets | 82.6573% | 836 |
Net loans and leases to deposits | 90.2102% | 2,803 |
Net loans and leases to core deposits | 120.4358% | 2,330 |
Total domestic deposits to total assets | 91.6275% | 285 |
Equity capital to assets | 7.3794% | 7,364 |
Core capital (leverage) ratio | 7.6208% | 6,870 |
Tier 1 risk-based capital ratio | 15.5968% | 2,770 |
Total risk-based capital ratio | 15.9080% | 3,107 |
Memoranda: | ||
Average total assets | $32,430,330 | 7,511 |
Average earning assets | $31,920,330 | 7,404 |
Average equity | $2,508,330 | 7,877 |
Average total loans | $27,135,670 | 6,907 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.3573% | 1,164 |
Cost of funding earning assets | 3.1138% | 444 |
Net interest margin | 3.2435% | 5,714 |
Noninterest income to average assets | 0.1149% | 7,453 |
Noninterest expense to average assets | 2.3111% | 6,502 |
Loan and lease loss provision to assets | 0.0255% | 6,596 |
Net operating income to assets | 0.6001% | 4,009 |
Return on assets (ROA) | 0.6001% | 4,204 |
Pretax return on assets | 0.9704% | 3,466 |
Return on Equity (ROE) | 7.5669% | 3,349 |
Retained earnings to average equity (ytd only) | 7.5669% | 1,997 |
Net charge-offs to loans | 0.0000% | 5,728 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 69.8842% | 4,607 |
Assets per employee ($millions) | 6.5742% | 932 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.1765% | 8,129 |
Loan loss allowance to noncurrent loans | 127.0270% | 2,475 |
Noncurrent assets plus other real estate owned to assets | 0.1126% | 7,253 |
Noncurrent loans to loans | 0.1390% | 7,126 |
Net loans and leases to total assets | 80.8615% | 1,224 |
Net loans and leases to deposits | 88.3555% | 3,225 |
Net loans and leases to core deposits | 118.0809% | 2,591 |
Total domestic deposits to total assets | 91.5184% | 273 |
Equity capital to assets | 7.5964% | 7,265 |
Core capital (leverage) ratio | 8.0512% | 6,378 |
Tier 1 risk-based capital ratio | 16.3363% | 2,573 |
Total risk-based capital ratio | 16.6438% | 2,827 |
Memoranda: | ||
Average total assets | $31,327,000 | 7,593 |
Average earning assets | $30,830,500 | 7,484 |
Average equity | $2,484,500 | 7,931 |
Average total loans | $26,363,000 | 6,989 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.4649% | 3,139 |
Cost of funding earning assets | 3.7100% | 259 |
Net interest margin | 2.7549% | 7,404 |
Noninterest income to average assets | 0.0136% | 8,053 |
Noninterest expense to average assets | 2.0597% | 7,324 |
Loan and lease loss provision to assets | -0.0204% | 8,214 |
Net operating income to assets | 0.2826% | 5,603 |
Return on assets (ROA) | 0.0068% | 6,213 |
Pretax return on assets | 0.2545% | 5,619 |
Return on Equity (ROE) | 0.0794% | 6,206 |
Retained earnings to average equity (ytd only) | 0.0794% | 5,188 |
Net charge-offs to loans | 0.0000% | 7,039 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 75.5915% | 3,307 |
Assets per employee ($millions) | 5.9566% | 1,158 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.1763% | 8,179 |
Loan loss allowance to noncurrent loans | 124.3243% | 2,900 |
Noncurrent assets plus other real estate owned to assets | 0.1242% | 7,080 |
Noncurrent loans to loans | 0.1418% | 6,983 |
Net loans and leases to total assets | 87.4761% | 417 |
Net loans and leases to deposits | 96.1862% | 2,418 |
Net loans and leases to core deposits | 125.2307% | 2,231 |
Total domestic deposits to total assets | 90.9445% | 348 |
Equity capital to assets | 8.3000% | 6,424 |
Core capital (leverage) ratio | 8.5112% | 5,562 |
Tier 1 risk-based capital ratio | 17.0589% | 2,288 |
Total risk-based capital ratio | 17.3763% | 2,550 |
Memoranda: | ||
Average total assets | $29,470,000 | 7,670 |
Average earning assets | $29,002,600 | 7,564 |
Average equity | $2,517,600 | 7,977 |
Average total loans | $24,748,400 | 7,041 |