Home > Iberiabank > Performance and Condition Ratios
Iberiabank, Performance and Condition Ratios
2020-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8802% | 3,674 |
Cost of funding earning assets | 0.7880% | 1,885 |
Net interest margin | 3.0922% | 3,911 |
Noninterest income to average assets | 0.7976% | 1,443 |
Noninterest expense to average assets | 2.2202% | 3,717 |
Loan and lease loss provision to assets | 1.1879% | 143 |
Net operating income to assets | 0.1652% | 4,616 |
Return on assets (ROA) | 0.1926% | 4,625 |
Pretax return on assets | 0.2402% | 4,596 |
Return on Equity (ROE) | 1.4829% | 4,622 |
Retained earnings to average equity (ytd only) | -0.8658% | 4,456 |
Net charge-offs to loans | 0.2140% | 725 |
Credit loss provision to net charge-offs | 724.3443% | 979 |
Earnings coverage of net charge-offs (x) | 8.4993% | 2,282 |
Efficiency ratio | 60.0950% | 3,402 |
Assets per employee ($millions) | 11.0767% | 377 |
Cash dividends to net income (ytd only)* | 158.3882% | 177 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5068% | 1,240 |
Loan loss allowance to noncurrent loans | 204.2881% | 2,115 |
Noncurrent assets plus other real estate owned to assets | 0.6027% | 1,995 |
Noncurrent loans to loans | 0.7376% | 2,033 |
Net loans and leases to total assets | 75.1586% | 1,253 |
Net loans and leases to deposits | 91.4007% | 1,225 |
Net loans and leases to core deposits | 97.9668% | 1,413 |
Total domestic deposits to total assets | 82.2299% | 3,306 |
Equity capital to assets | 12.2377% | 1,520 |
Core capital (leverage) ratio | 9.0675% | 3,841 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 12.0693% | 2,949 |
Memoranda: | ||
Average total assets | $32,781,297,667 | 64 |
Average earning assets | $29,857,581,000 | 63 |
Average equity | $4,257,730,333 | 58 |
Average total loans | $25,126,015,333 | 52 |
2020-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1754% | 3,304 |
Cost of funding earning assets | 0.9798% | 1,509 |
Net interest margin | 3.1956% | 3,870 |
Noninterest income to average assets | 0.7316% | 1,528 |
Noninterest expense to average assets | 2.1593% | 4,106 |
Loan and lease loss provision to assets | 0.8335% | 286 |
Net operating income to assets | 0.5000% | 3,895 |
Return on assets (ROA) | 0.5004% | 3,952 |
Pretax return on assets | 0.6481% | 3,816 |
Return on Equity (ROE) | 3.7355% | 4,028 |
Retained earnings to average equity (ytd only) | 3.7355% | 2,790 |
Net charge-offs to loans | 0.1556% | 832 |
Credit loss provision to net charge-offs | 697.2187% | 732 |
Earnings coverage of net charge-offs (x) | 12.3896% | 1,696 |
Efficiency ratio | 57.8738% | 4,016 |
Assets per employee ($millions) | 10.2250% | 361 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1582% | 2,890 |
Loan loss allowance to noncurrent loans | 161.1251% | 2,421 |
Noncurrent assets plus other real estate owned to assets | 0.6029% | 2,193 |
Noncurrent loans to loans | 0.7188% | 2,199 |
Net loans and leases to total assets | 76.1034% | 1,286 |
Net loans and leases to deposits | 95.4310% | 967 |
Net loans and leases to core deposits | 105.0694% | 1,114 |
Total domestic deposits to total assets | 79.7471% | 3,900 |
Equity capital to assets | 13.3560% | 1,279 |
Core capital (leverage) ratio | 9.8180% | 3,634 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 11.9351% | 3,121 |
Memoranda: | ||
Average total assets | $31,881,191,000 | 66 |
Average earning assets | $29,019,478,000 | 65 |
Average equity | $4,270,604,000 | 59 |
Average total loans | $24,494,719,500 | 53 |
2019-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5979% | 2,623 |
Cost of funding earning assets | 1.1031% | 1,313 |
Net interest margin | 3.4948% | 3,461 |
Noninterest income to average assets | 0.6667% | 1,938 |
Noninterest expense to average assets | 2.1049% | 4,357 |
Loan and lease loss provision to assets | 0.1273% | 1,673 |
Net operating income to assets | 1.2469% | 1,880 |
Return on assets (ROA) | 1.2446% | 1,968 |
Pretax return on assets | 1.6121% | 1,450 |
Return on Equity (ROE) | 9.4613% | 2,538 |
Retained earnings to average equity (ytd only) | 4.8477% | 2,500 |
Net charge-offs to loans | 0.1300% | 1,471 |
Credit loss provision to net charge-offs | 130.4590% | 1,960 |
Earnings coverage of net charge-offs (x) | 17.8563% | 2,086 |
Efficiency ratio | 53.1835% | 4,502 |
Assets per employee ($millions) | 10.0429% | 357 |
Cash dividends to net income (ytd only)* | 48.7626% | 2,136 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.6048% | 4,729 |
Loan loss allowance to noncurrent loans | 102.6972% | 3,249 |
Noncurrent assets plus other real estate owned to assets | 0.5400% | 2,276 |
Noncurrent loans to loans | 0.5889% | 2,418 |
Net loans and leases to total assets | 76.2009% | 1,375 |
Net loans and leases to deposits | 94.8718% | 1,066 |
Net loans and leases to core deposits | 106.2800% | 1,094 |
Total domestic deposits to total assets | 80.3198% | 3,911 |
Equity capital to assets | 13.4354% | 1,309 |
Core capital (leverage) ratio | 9.6894% | 3,861 |
Tier 1 risk-based capital ratio | 11.1438% | 4,800 |
Total risk-based capital ratio | 11.7604% | 4,940 |
Memoranda: | ||
Average total assets | $31,306,526,600 | 62 |
Average earning assets | $28,490,383,200 | 62 |
Average equity | $4,118,274,000 | 58 |
Average total loans | $23,489,486,600 | 54 |
2019-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6706% | 2,498 |
Cost of funding earning assets | 1.1053% | 1,328 |
Net interest margin | 3.5653% | 3,351 |
Noninterest income to average assets | 0.6684% | 1,921 |
Noninterest expense to average assets | 2.0718% | 4,405 |
Loan and lease loss provision to assets | 0.1374% | 1,406 |
Net operating income to assets | 1.3033% | 1,849 |
Return on assets (ROA) | 1.3003% | 1,941 |
Pretax return on assets | 1.6986% | 1,336 |
Return on Equity (ROE) | 9.9380% | 2,456 |
Retained earnings to average equity (ytd only) | 3.7381% | 3,530 |
Net charge-offs to loans | 0.1363% | 1,177 |
Credit loss provision to net charge-offs | 135.0818% | 1,768 |
Earnings coverage of net charge-offs (x) | 18.0848% | 2,067 |
Efficiency ratio | 51.4174% | 4,646 |
Assets per employee ($millions) | 10.0692% | 346 |
Cash dividends to net income (ytd only)* | 62.3863% | 1,200 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.6110% | 4,796 |
Loan loss allowance to noncurrent loans | 92.5860% | 3,448 |
Noncurrent assets plus other real estate owned to assets | 0.5846% | 2,250 |
Noncurrent loans to loans | 0.6599% | 2,308 |
Net loans and leases to total assets | 75.1657% | 1,627 |
Net loans and leases to deposits | 94.5203% | 1,171 |
Net loans and leases to core deposits | 107.4931% | 1,084 |
Total domestic deposits to total assets | 79.5234% | 4,086 |
Equity capital to assets | 13.1876% | 1,519 |
Core capital (leverage) ratio | 9.4901% | 4,173 |
Tier 1 risk-based capital ratio | 10.9512% | 4,934 |
Total risk-based capital ratio | 11.5726% | 5,047 |
Memoranda: | ||
Average total assets | $31,229,429,750 | 62 |
Average earning assets | $28,409,667,250 | 62 |
Average equity | $4,085,941,750 | 59 |
Average total loans | $23,302,501,500 | 54 |
2019-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6815% | 2,422 |
Cost of funding earning assets | 1.0834% | 1,366 |
Net interest margin | 3.5981% | 3,259 |
Noninterest income to average assets | 0.6502% | 1,914 |
Noninterest expense to average assets | 2.0497% | 4,518 |
Loan and lease loss provision to assets | 0.1548% | 1,176 |
Net operating income to assets | 1.3160% | 1,717 |
Return on assets (ROA) | 1.3111% | 1,796 |
Pretax return on assets | 1.7128% | 1,247 |
Return on Equity (ROE) | 10.0481% | 2,360 |
Retained earnings to average equity (ytd only) | 5.6111% | 2,463 |
Net charge-offs to loans | 0.1333% | 1,131 |
Credit loss provision to net charge-offs | 156.3909% | 1,447 |
Earnings coverage of net charge-offs (x) | 18.9276% | 1,842 |
Efficiency ratio | 50.6405% | 4,746 |
Assets per employee ($millions) | 9.9302% | 341 |
Cash dividends to net income (ytd only)* | 44.1581% | 2,042 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.6217% | 4,835 |
Loan loss allowance to noncurrent loans | 91.5874% | 3,460 |
Noncurrent assets plus other real estate owned to assets | 0.5993% | 2,226 |
Noncurrent loans to loans | 0.6788% | 2,276 |
Net loans and leases to total assets | 74.6171% | 1,781 |
Net loans and leases to deposits | 95.6836% | 1,070 |
Net loans and leases to core deposits | 108.6467% | 1,052 |
Total domestic deposits to total assets | 77.9832% | 4,400 |
Equity capital to assets | 13.2778% | 1,449 |
Core capital (leverage) ratio | 9.5482% | 4,107 |
Tier 1 risk-based capital ratio | 11.0707% | 4,878 |
Total risk-based capital ratio | 11.6971% | 5,042 |
Memoranda: | ||
Average total assets | $31,090,025,000 | 62 |
Average earning assets | $28,282,866,330 | 61 |
Average equity | $4,056,736,000 | 59 |
Average total loans | $23,091,861,670 | 55 |
2019-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6334% | 2,434 |
Cost of funding earning assets | 1.0502% | 1,376 |
Net interest margin | 3.5831% | 3,313 |
Noninterest income to average assets | 0.6039% | 2,024 |
Noninterest expense to average assets | 1.9945% | 4,652 |
Loan and lease loss provision to assets | 0.1630% | 1,035 |
Net operating income to assets | 1.3074% | 1,676 |
Return on assets (ROA) | 1.3077% | 1,713 |
Pretax return on assets | 1.7052% | 1,194 |
Return on Equity (ROE) | 10.1119% | 2,321 |
Retained earnings to average equity (ytd only) | 5.6154% | 2,628 |
Net charge-offs to loans | 0.1283% | 979 |
Credit loss provision to net charge-offs | 172.0131% | 1,144 |
Earnings coverage of net charge-offs (x) | 19.7145% | 1,585 |
Efficiency ratio | 49.9691% | 4,830 |
Assets per employee ($millions) | 9.9817% | 343 |
Cash dividends to net income (ytd only)* | 44.4668% | 1,800 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.6189% | 4,901 |
Loan loss allowance to noncurrent loans | 93.9595% | 3,470 |
Noncurrent assets plus other real estate owned to assets | 0.5863% | 2,305 |
Noncurrent loans to loans | 0.6587% | 2,368 |
Net loans and leases to total assets | 73.6422% | 1,873 |
Net loans and leases to deposits | 94.6205% | 1,097 |
Net loans and leases to core deposits | 106.4894% | 1,140 |
Total domestic deposits to total assets | 77.8290% | 4,545 |
Equity capital to assets | 13.0014% | 1,456 |
Core capital (leverage) ratio | 9.4674% | 4,168 |
Tier 1 risk-based capital ratio | 11.0028% | 4,974 |
Total risk-based capital ratio | 11.6284% | 5,124 |
Memoranda: | ||
Average total assets | $30,955,293,000 | 63 |
Average earning assets | $28,149,902,500 | 62 |
Average equity | $4,003,178,000 | 60 |
Average total loans | $22,864,825,000 | 56 |
2018-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5432% | 2,324 |
Cost of funding earning assets | 0.7527% | 1,772 |
Net interest margin | 3.7905% | 2,696 |
Noninterest income to average assets | 0.6097% | 2,241 |
Noninterest expense to average assets | 2.3757% | 3,947 |
Loan and lease loss provision to assets | 0.1333% | 1,637 |
Net operating income to assets | 1.4241% | 1,349 |
Return on assets (ROA) | 1.2670% | 1,922 |
Pretax return on assets | 1.3729% | 2,230 |
Return on Equity (ROE) | 9.8017% | 2,603 |
Retained earnings to average equity (ytd only) | 3.3985% | 3,722 |
Net charge-offs to loans | 0.1493% | 1,286 |
Credit loss provision to net charge-offs | 121.0055% | 2,149 |
Earnings coverage of net charge-offs (x) | 15.2187% | 2,338 |
Efficiency ratio | 56.8169% | 4,306 |
Assets per employee ($millions) | 9.7962% | 362 |
Cash dividends to net income (ytd only)* | 65.3272% | 1,262 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.6212% | 4,937 |
Loan loss allowance to noncurrent loans | 100.9392% | 3,407 |
Noncurrent assets plus other real estate owned to assets | 0.5521% | 2,399 |
Noncurrent loans to loans | 0.6154% | 2,440 |
Net loans and leases to total assets | 73.1829% | 2,064 |
Net loans and leases to deposits | 93.8911% | 1,297 |
Net loans and leases to core deposits | 104.1410% | 1,402 |
Total domestic deposits to total assets | 77.9444% | 4,501 |
Equity capital to assets | 12.8425% | 1,419 |
Core capital (leverage) ratio | 9.3521% | 4,298 |
Tier 1 risk-based capital ratio | 10.9254% | 5,006 |
Total risk-based capital ratio | 11.5485% | 5,162 |
Memoranda: | ||
Average total assets | $29,601,318,600 | 64 |
Average earning assets | $26,888,136,600 | 63 |
Average equity | $3,826,212,600 | 58 |
Average total loans | $21,842,476,600 | 55 |
2018-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4612% | 2,430 |
Cost of funding earning assets | 0.6944% | 1,872 |
Net interest margin | 3.7668% | 2,764 |
Noninterest income to average assets | 0.6078% | 2,268 |
Noninterest expense to average assets | 2.4455% | 3,746 |
Loan and lease loss provision to assets | 0.1213% | 1,662 |
Net operating income to assets | 1.1035% | 2,649 |
Return on assets (ROA) | 1.1009% | 2,679 |
Pretax return on assets | 1.4603% | 2,030 |
Return on Equity (ROE) | 8.5025% | 3,329 |
Retained earnings to average equity (ytd only) | 5.8683% | 2,722 |
Net charge-offs to loans | 0.1534% | 1,071 |
Credit loss provision to net charge-offs | 107.0976% | 2,156 |
Earnings coverage of net charge-offs (x) | 13.9915% | 2,314 |
Efficiency ratio | 58.8080% | 3,990 |
Assets per employee ($millions) | 9.5051% | 383 |
Cash dividends to net income (ytd only)* | 30.9816% | 2,492 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.6117% | 5,020 |
Loan loss allowance to noncurrent loans | 87.4019% | 3,675 |
Noncurrent assets plus other real estate owned to assets | 0.6298% | 2,293 |
Noncurrent loans to loans | 0.6998% | 2,327 |
Net loans and leases to total assets | 74.1095% | 1,964 |
Net loans and leases to deposits | 95.4391% | 1,216 |
Net loans and leases to core deposits | 104.3862% | 1,428 |
Total domestic deposits to total assets | 77.6510% | 4,539 |
Equity capital to assets | 12.9779% | 1,353 |
Core capital (leverage) ratio | 9.6004% | 4,059 |
Tier 1 risk-based capital ratio | 11.2721% | 4,916 |
Total risk-based capital ratio | 11.8896% | 5,108 |
Memoranda: | ||
Average total assets | $29,318,949,750 | 64 |
Average earning assets | $26,640,622,500 | 63 |
Average equity | $3,796,118,750 | 58 |
Average total loans | $21,645,535,000 | 56 |
2018-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3469% | 2,596 |
Cost of funding earning assets | 0.6239% | 2,083 |
Net interest margin | 3.7230% | 2,848 |
Noninterest income to average assets | 0.6019% | 2,315 |
Noninterest expense to average assets | 2.5711% | 3,413 |
Loan and lease loss provision to assets | 0.1071% | 1,829 |
Net operating income to assets | 0.9672% | 3,155 |
Return on assets (ROA) | 0.9633% | 3,177 |
Pretax return on assets | 1.3015% | 2,507 |
Return on Equity (ROE) | 7.4456% | 3,750 |
Retained earnings to average equity (ytd only) | 5.0536% | 3,051 |
Net charge-offs to loans | 0.1491% | 1,031 |
Credit loss provision to net charge-offs | 97.6682% | 2,088 |
Earnings coverage of net charge-offs (x) | 12.8856% | 2,176 |
Efficiency ratio | 62.5930% | 3,550 |
Assets per employee ($millions) | 9.1859% | 415 |
Cash dividends to net income (ytd only)* | 32.1263% | 2,481 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.6164% | 5,072 |
Loan loss allowance to noncurrent loans | 97.2286% | 3,522 |
Noncurrent assets plus other real estate owned to assets | 0.5417% | 2,601 |
Noncurrent loans to loans | 0.6340% | 2,525 |
Net loans and leases to total assets | 73.3101% | 2,071 |
Net loans and leases to deposits | 93.4040% | 1,426 |
Net loans and leases to core deposits | 100.7680% | 1,672 |
Total domestic deposits to total assets | 78.4872% | 4,511 |
Equity capital to assets | 12.8078% | 1,389 |
Core capital (leverage) ratio | 9.4206% | 4,220 |
Tier 1 risk-based capital ratio | 11.1152% | 4,991 |
Total risk-based capital ratio | 11.7394% | 5,174 |
Memoranda: | ||
Average total assets | $29,083,018,000 | 64 |
Average earning assets | $26,425,350,670 | 63 |
Average equity | $3,762,547,670 | 58 |
Average total loans | $21,397,510,330 | 55 |
2018-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1656% | 3,008 |
Cost of funding earning assets | 0.5579% | 2,335 |
Net interest margin | 3.6077% | 3,145 |
Noninterest income to average assets | 0.5658% | 2,439 |
Noninterest expense to average assets | 2.5618% | 3,452 |
Loan and lease loss provision to assets | 0.1117% | 1,690 |
Net operating income to assets | 0.9020% | 3,282 |
Return on assets (ROA) | 0.8942% | 3,329 |
Pretax return on assets | 1.1587% | 2,940 |
Return on Equity (ROE) | 6.8756% | 3,834 |
Retained earnings to average equity (ytd only) | 6.8756% | 2,336 |
Net charge-offs to loans | 0.0819% | 1,315 |
Credit loss provision to net charge-offs | 185.5914% | 1,093 |
Earnings coverage of net charge-offs (x) | 21.2786% | 1,437 |
Efficiency ratio | 64.8240% | 3,348 |
Assets per employee ($millions) | 8.5453% | 523 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.6624% | 5,093 |
Loan loss allowance to noncurrent loans | 89.0120% | 3,669 |
Noncurrent assets plus other real estate owned to assets | 0.6448% | 2,385 |
Noncurrent loans to loans | 0.7442% | 2,347 |
Net loans and leases to total assets | 73.7551% | 1,903 |
Net loans and leases to deposits | 93.7574% | 1,245 |
Net loans and leases to core deposits | 103.2679% | 1,436 |
Total domestic deposits to total assets | 78.6658% | 4,630 |
Equity capital to assets | 13.0417% | 1,225 |
Core capital (leverage) ratio | 9.8305% | 3,729 |
Tier 1 risk-based capital ratio | 11.1582% | 5,048 |
Total risk-based capital ratio | 11.8256% | 5,233 |
Memoranda: | ||
Average total assets | $28,605,586,000 | 65 |
Average earning assets | $25,978,048,000 | 64 |
Average equity | $3,720,228,500 | 59 |
Average total loans | $21,017,573,500 | 56 |
2017-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1525% | 2,871 |
Cost of funding earning assets | 0.4534% | 2,745 |
Net interest margin | 3.6991% | 2,804 |
Noninterest income to average assets | 0.7798% | 1,643 |
Noninterest expense to average assets | 2.6526% | 3,277 |
Loan and lease loss provision to assets | 0.2113% | 942 |
Net operating income to assets | 0.6627% | 3,766 |
Return on assets (ROA) | 0.6623% | 3,809 |
Pretax return on assets | 1.2812% | 2,427 |
Return on Equity (ROE) | 5.2931% | 4,045 |
Retained earnings to average equity (ytd only) | 0.6663% | 4,773 |
Net charge-offs to loans | 0.3236% | 783 |
Credit loss provision to net charge-offs | 91.4789% | 2,756 |
Earnings coverage of net charge-offs (x) | 6.4630% | 3,173 |
Efficiency ratio | 62.7307% | 3,824 |
Assets per employee ($millions) | 8.4442% | 544 |
Cash dividends to net income (ytd only)* | 87.4126% | 591 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.6969% | 5,081 |
Loan loss allowance to noncurrent loans | 92.5162% | 3,667 |
Noncurrent assets plus other real estate owned to assets | 0.6421% | 2,403 |
Noncurrent loans to loans | 0.7533% | 2,316 |
Net loans and leases to total assets | 72.1506% | 2,210 |
Net loans and leases to deposits | 92.7529% | 1,414 |
Net loans and leases to core deposits | 101.3178% | 1,602 |
Total domestic deposits to total assets | 77.7881% | 4,751 |
Equity capital to assets | 12.9667% | 1,280 |
Core capital (leverage) ratio | 9.1046% | 4,516 |
Tier 1 risk-based capital ratio | 10.8640% | 5,222 |
Total risk-based capital ratio | 11.5508% | 5,367 |
Memoranda: | ||
Average total assets | $24,183,774,200 | 69 |
Average earning assets | $22,005,562,600 | 70 |
Average equity | $3,025,842,400 | 70 |
Average total loans | $17,267,466,400 | 67 |
2017-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0493% | 3,180 |
Cost of funding earning assets | 0.4212% | 2,978 |
Net interest margin | 3.6281% | 3,046 |
Noninterest income to average assets | 0.8004% | 1,586 |
Noninterest expense to average assets | 2.6562% | 3,227 |
Loan and lease loss provision to assets | 0.2103% | 896 |
Net operating income to assets | 0.8122% | 3,476 |
Return on assets (ROA) | 0.8115% | 3,526 |
Pretax return on assets | 1.2388% | 2,751 |
Return on Equity (ROE) | 6.5568% | 3,884 |
Retained earnings to average equity (ytd only) | 6.5568% | 1,934 |
Net charge-offs to loans | 0.3692% | 569 |
Credit loss provision to net charge-offs | 80.2193% | 2,580 |
Earnings coverage of net charge-offs (x) | 5.5305% | 3,094 |
Efficiency ratio | 63.5802% | 3,631 |
Assets per employee ($millions) | 8.2612% | 573 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.6852% | 5,168 |
Loan loss allowance to noncurrent loans | 91.0022% | 3,695 |
Noncurrent assets plus other real estate owned to assets | 0.6391% | 2,587 |
Noncurrent loans to loans | 0.7530% | 2,479 |
Net loans and leases to total assets | 71.0030% | 2,408 |
Net loans and leases to deposits | 92.0059% | 1,563 |
Net loans and leases to core deposits | 102.1196% | 1,538 |
Total domestic deposits to total assets | 77.1722% | 4,852 |
Equity capital to assets | 12.9608% | 1,404 |
Core capital (leverage) ratio | 9.8059% | 3,811 |
Tier 1 risk-based capital ratio | 11.1133% | 5,178 |
Total risk-based capital ratio | 11.8328% | 5,356 |
Memoranda: | ||
Average total assets | $23,273,775,000 | 72 |
Average earning assets | $21,207,900,750 | 72 |
Average equity | $2,880,346,000 | 69 |
Average total loans | $16,530,353,250 | 69 |
2017-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0021% | 3,200 |
Cost of funding earning assets | 0.3853% | 3,230 |
Net interest margin | 3.6168% | 2,967 |
Noninterest income to average assets | 0.8509% | 1,415 |
Noninterest expense to average assets | 2.5575% | 3,559 |
Loan and lease loss provision to assets | 0.1675% | 1,178 |
Net operating income to assets | 0.9430% | 2,701 |
Return on assets (ROA) | 0.9434% | 2,756 |
Pretax return on assets | 1.4288% | 1,901 |
Return on Equity (ROE) | 7.7800% | 3,154 |
Retained earnings to average equity (ytd only) | 7.7800% | 1,247 |
Net charge-offs to loans | 0.2203% | 922 |
Credit loss provision to net charge-offs | 107.3602% | 1,919 |
Earnings coverage of net charge-offs (x) | 10.2277% | 2,357 |
Efficiency ratio | 60.8260% | 4,192 |
Assets per employee ($millions) | 7.3832% | 784 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9314% | 4,507 |
Loan loss allowance to noncurrent loans | 81.7918% | 3,912 |
Noncurrent assets plus other real estate owned to assets | 0.9130% | 1,934 |
Noncurrent loans to loans | 1.1387% | 1,720 |
Net loans and leases to total assets | 71.6296% | 2,259 |
Net loans and leases to deposits | 87.6836% | 2,028 |
Net loans and leases to core deposits | 96.9007% | 1,896 |
Total domestic deposits to total assets | 81.6910% | 3,978 |
Equity capital to assets | 12.4085% | 1,662 |
Core capital (leverage) ratio | 9.4695% | 4,161 |
Tier 1 risk-based capital ratio | 10.9300% | 5,290 |
Total risk-based capital ratio | 11.7889% | 5,368 |
Memoranda: | ||
Average total assets | $21,735,132,000 | 77 |
Average earning assets | $19,845,510,000 | 75 |
Average equity | $2,635,549,330 | 73 |
Average total loans | $15,394,086,000 | 74 |
2017-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8775% | 3,476 |
Cost of funding earning assets | 0.3742% | 3,258 |
Net interest margin | 3.5033% | 3,261 |
Noninterest income to average assets | 0.7730% | 1,652 |
Noninterest expense to average assets | 2.4966% | 3,816 |
Loan and lease loss provision to assets | 0.1132% | 1,691 |
Net operating income to assets | 0.9168% | 2,678 |
Return on assets (ROA) | 0.9168% | 2,731 |
Pretax return on assets | 1.3631% | 2,020 |
Return on Equity (ROE) | 7.6495% | 3,094 |
Retained earnings to average equity (ytd only) | 7.6495% | 1,591 |
Net charge-offs to loans | 0.1589% | 1,021 |
Credit loss provision to net charge-offs | 101.6182% | 1,547 |
Earnings coverage of net charge-offs (x) | 13.2526% | 1,797 |
Efficiency ratio | 62.0296% | 4,144 |
Assets per employee ($millions) | 7.5058% | 754 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9496% | 4,553 |
Loan loss allowance to noncurrent loans | 72.6288% | 4,142 |
Noncurrent assets plus other real estate owned to assets | 1.0006% | 1,818 |
Noncurrent loans to loans | 1.3075% | 1,547 |
Net loans and leases to total assets | 68.9541% | 2,539 |
Net loans and leases to deposits | 82.9928% | 2,395 |
Net loans and leases to core deposits | 92.8829% | 2,081 |
Total domestic deposits to total assets | 83.0844% | 3,804 |
Equity capital to assets | 12.0150% | 1,821 |
Core capital (leverage) ratio | 9.1322% | 4,564 |
Tier 1 risk-based capital ratio | 10.8820% | 5,371 |
Total risk-based capital ratio | 11.7667% | 5,457 |
Memoranda: | ||
Average total assets | $21,745,710,500 | 75 |
Average earning assets | $19,862,173,500 | 74 |
Average equity | $2,606,136,000 | 72 |
Average total loans | $15,241,200,000 | 74 |
2016-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8935% | 3,592 |
Cost of funding earning assets | 0.3462% | 3,561 |
Net interest margin | 3.5473% | 3,259 |
Noninterest income to average assets | 1.0117% | 1,112 |
Noninterest expense to average assets | 2.6570% | 3,500 |
Loan and lease loss provision to assets | 0.2182% | 1,013 |
Net operating income to assets | 0.9313% | 2,672 |
Return on assets (ROA) | 0.9381% | 2,752 |
Pretax return on assets | 1.3544% | 2,082 |
Return on Equity (ROE) | 7.5799% | 3,177 |
Retained earnings to average equity (ytd only) | 7.5799% | 1,005 |
Net charge-offs to loans | 0.2270% | 1,226 |
Credit loss provision to net charge-offs | 131.4125% | 2,049 |
Earnings coverage of net charge-offs (x) | 9.4131% | 2,753 |
Efficiency ratio | 61.9947% | 4,253 |
Assets per employee ($millions) | 7.5621% | 710 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9505% | 4,578 |
Loan loss allowance to noncurrent loans | 62.9522% | 4,375 |
Noncurrent assets plus other real estate owned to assets | 1.1624% | 1,574 |
Noncurrent loans to loans | 1.5099% | 1,324 |
Net loans and leases to total assets | 69.8981% | 2,489 |
Net loans and leases to deposits | 84.4689% | 2,364 |
Net loans and leases to core deposits | 95.4017% | 1,975 |
Total domestic deposits to total assets | 82.7501% | 3,844 |
Equity capital to assets | 11.9537% | 1,839 |
Core capital (leverage) ratio | 9.2076% | 4,470 |
Tier 1 risk-based capital ratio | 10.6730% | 5,501 |
Total risk-based capital ratio | 11.5590% | 5,596 |
Memoranda: | ||
Average total assets | $20,362,028,600 | 76 |
Average earning assets | $18,414,780,400 | 74 |
Average equity | $2,519,991,000 | 68 |
Average total loans | $14,892,410,000 | 69 |
2016-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9500% | 3,423 |
Cost of funding earning assets | 0.3365% | 3,693 |
Net interest margin | 3.6135% | 3,018 |
Noninterest income to average assets | 1.0624% | 1,007 |
Noninterest expense to average assets | 2.6313% | 3,563 |
Loan and lease loss provision to assets | 0.2609% | 698 |
Net operating income to assets | 0.9550% | 2,628 |
Return on assets (ROA) | 0.9639% | 2,735 |
Pretax return on assets | 1.4438% | 1,903 |
Return on Equity (ROE) | 7.7180% | 3,172 |
Retained earnings to average equity (ytd only) | 7.7180% | 1,303 |
Net charge-offs to loans | 0.2355% | 998 |
Credit loss provision to net charge-offs | 150.0860% | 1,765 |
Earnings coverage of net charge-offs (x) | 9.7292% | 2,659 |
Efficiency ratio | 59.9068% | 4,554 |
Assets per employee ($millions) | 7.2087% | 812 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9789% | 4,519 |
Loan loss allowance to noncurrent loans | 61.5532% | 4,465 |
Noncurrent assets plus other real estate owned to assets | 1.2664% | 1,532 |
Noncurrent loans to loans | 1.5904% | 1,359 |
Net loans and leases to total assets | 72.3539% | 2,138 |
Net loans and leases to deposits | 89.8558% | 1,777 |
Net loans and leases to core deposits | 101.8806% | 1,494 |
Total domestic deposits to total assets | 80.5222% | 4,384 |
Equity capital to assets | 12.4759% | 1,794 |
Core capital (leverage) ratio | 9.3731% | 4,369 |
Tier 1 risk-based capital ratio | 10.5212% | 5,611 |
Total risk-based capital ratio | 11.4414% | 5,676 |
Memoranda: | ||
Average total assets | $20,058,887,000 | 76 |
Average earning assets | $18,098,383,250 | 75 |
Average equity | $2,505,246,500 | 70 |
Average total loans | $14,809,274,000 | 68 |
2016-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9770% | 3,320 |
Cost of funding earning assets | 0.3306% | 3,792 |
Net interest margin | 3.6464% | 2,910 |
Noninterest income to average assets | 1.0803% | 964 |
Noninterest expense to average assets | 2.6645% | 3,502 |
Loan and lease loss provision to assets | 0.2699% | 691 |
Net operating income to assets | 0.9575% | 2,593 |
Return on assets (ROA) | 0.9709% | 2,660 |
Pretax return on assets | 1.4533% | 1,828 |
Return on Equity (ROE) | 7.7712% | 3,109 |
Retained earnings to average equity (ytd only) | 7.7712% | 1,261 |
Net charge-offs to loans | 0.2168% | 1,079 |
Credit loss provision to net charge-offs | 168.0329% | 1,472 |
Earnings coverage of net charge-offs (x) | 10.6045% | 2,321 |
Efficiency ratio | 60.0380% | 4,635 |
Assets per employee ($millions) | 7.0250% | 867 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9860% | 4,590 |
Loan loss allowance to noncurrent loans | 78.8303% | 4,147 |
Noncurrent assets plus other real estate owned to assets | 1.0648% | 1,998 |
Noncurrent loans to loans | 1.2507% | 1,835 |
Net loans and leases to total assets | 73.7529% | 1,889 |
Net loans and leases to deposits | 92.2992% | 1,472 |
Net loans and leases to core deposits | 104.1292% | 1,311 |
Total domestic deposits to total assets | 79.9063% | 4,571 |
Equity capital to assets | 12.6627% | 1,678 |
Core capital (leverage) ratio | 9.2986% | 4,460 |
Tier 1 risk-based capital ratio | 10.3879% | 5,726 |
Total risk-based capital ratio | 11.3283% | 5,769 |
Memoranda: | ||
Average total assets | $19,839,242,330 | 77 |
Average earning assets | $17,885,507,330 | 78 |
Average equity | $2,478,752,330 | 71 |
Average total loans | $14,699,586,670 | 70 |
2016-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9803% | 3,288 |
Cost of funding earning assets | 0.3284% | 3,861 |
Net interest margin | 3.6519% | 2,880 |
Noninterest income to average assets | 1.0274% | 1,020 |
Noninterest expense to average assets | 2.6653% | 3,531 |
Loan and lease loss provision to assets | 0.3023% | 516 |
Net operating income to assets | 0.9003% | 2,753 |
Return on assets (ROA) | 0.9029% | 2,866 |
Pretax return on assets | 1.3568% | 2,062 |
Return on Equity (ROE) | 7.2767% | 3,302 |
Retained earnings to average equity (ytd only) | 7.2767% | 1,760 |
Net charge-offs to loans | 0.1100% | 1,467 |
Credit loss provision to net charge-offs | 371.7885% | 747 |
Earnings coverage of net charge-offs (x) | 20.3537% | 1,467 |
Efficiency ratio | 60.7067% | 4,647 |
Assets per employee ($millions) | 7.0105% | 897 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0006% | 4,608 |
Loan loss allowance to noncurrent loans | 83.7258% | 4,000 |
Noncurrent assets plus other real estate owned to assets | 1.0289% | 2,153 |
Noncurrent loans to loans | 1.1951% | 2,028 |
Net loans and leases to total assets | 72.4475% | 1,957 |
Net loans and leases to deposits | 88.4227% | 1,782 |
Net loans and leases to core deposits | 99.4485% | 1,525 |
Total domestic deposits to total assets | 81.9332% | 4,248 |
Equity capital to assets | 12.4001% | 1,750 |
Core capital (leverage) ratio | 9.1660% | 4,637 |
Tier 1 risk-based capital ratio | 10.2820% | 5,837 |
Total risk-based capital ratio | 11.2388% | 5,872 |
Memoranda: | ||
Average total assets | $19,720,095,000 | 77 |
Average earning assets | $17,782,657,000 | 78 |
Average equity | $2,446,945,500 | 72 |
Average total loans | $14,571,773,500 | 70 |
2015-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0064% | 3,285 |
Cost of funding earning assets | 0.3451% | 3,743 |
Net interest margin | 3.6614% | 2,897 |
Noninterest income to average assets | 1.0616% | 1,043 |
Noninterest expense to average assets | 3.0011% | 2,539 |
Loan and lease loss provision to assets | 0.1716% | 1,332 |
Net operating income to assets | 0.8195% | 3,248 |
Return on assets (ROA) | 0.8257% | 3,300 |
Pretax return on assets | 1.1805% | 2,729 |
Return on Equity (ROE) | 6.8890% | 3,570 |
Retained earnings to average equity (ytd only) | 6.8890% | 1,325 |
Net charge-offs to loans | 0.0817% | 2,665 |
Credit loss provision to net charge-offs | 284.0026% | 1,030 |
Earnings coverage of net charge-offs (x) | 22.2281% | 1,781 |
Efficiency ratio | 68.0887% | 3,557 |
Assets per employee ($millions) | 6.7262% | 995 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9545% | 4,842 |
Loan loss allowance to noncurrent loans | 94.3883% | 3,810 |
Noncurrent assets plus other real estate owned to assets | 0.9261% | 2,353 |
Noncurrent loans to loans | 1.0113% | 2,318 |
Net loans and leases to total assets | 73.9156% | 1,746 |
Net loans and leases to deposits | 87.8857% | 1,889 |
Net loans and leases to core deposits | 98.9159% | 1,598 |
Total domestic deposits to total assets | 84.1042% | 3,446 |
Equity capital to assets | 12.4169% | 1,663 |
Core capital (leverage) ratio | 9.0281% | 4,853 |
Tier 1 risk-based capital ratio | 10.1372% | 5,914 |
Total risk-based capital ratio | 11.0515% | 5,966 |
Memoranda: | ||
Average total assets | $18,007,478,000 | 78 |
Average earning assets | $16,146,105,600 | 81 |
Average equity | $2,158,287,000 | 73 |
Average total loans | $13,316,713,800 | 71 |
2015-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9673% | 3,473 |
Cost of funding earning assets | 0.3469% | 3,788 |
Net interest margin | 3.6204% | 3,081 |
Noninterest income to average assets | 1.1017% | 991 |
Noninterest expense to average assets | 3.0935% | 2,238 |
Loan and lease loss provision to assets | 0.1450% | 1,508 |
Net operating income to assets | 0.7669% | 3,600 |
Return on assets (ROA) | 0.7751% | 3,643 |
Pretax return on assets | 1.1161% | 3,156 |
Return on Equity (ROE) | 6.5316% | 3,887 |
Retained earnings to average equity (ytd only) | 6.5316% | 1,940 |
Net charge-offs to loans | 0.0815% | 2,389 |
Credit loss provision to net charge-offs | 241.0472% | 1,169 |
Earnings coverage of net charge-offs (x) | 20.7682% | 1,853 |
Efficiency ratio | 70.1964% | 3,176 |
Assets per employee ($millions) | 6.5934% | 1,029 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9095% | 5,175 |
Loan loss allowance to noncurrent loans | 82.8551% | 4,101 |
Noncurrent assets plus other real estate owned to assets | 1.0128% | 2,336 |
Noncurrent loans to loans | 1.0976% | 2,293 |
Net loans and leases to total assets | 72.9649% | 1,912 |
Net loans and leases to deposits | 86.2545% | 2,116 |
Net loans and leases to core deposits | 96.9797% | 1,799 |
Total domestic deposits to total assets | 84.5926% | 3,180 |
Equity capital to assets | 12.2616% | 1,900 |
Core capital (leverage) ratio | 8.7722% | 5,271 |
Tier 1 risk-based capital ratio | 10.0797% | 6,016 |
Total risk-based capital ratio | 10.9653% | 6,074 |
Memoranda: | ||
Average total assets | $17,653,012,750 | 79 |
Average earning assets | $15,802,712,250 | 82 |
Average equity | $2,094,851,500 | 77 |
Average total loans | $13,021,709,500 | 72 |
2015-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9198% | 3,616 |
Cost of funding earning assets | 0.3410% | 3,908 |
Net interest margin | 3.5788% | 3,170 |
Noninterest income to average assets | 1.1060% | 990 |
Noninterest expense to average assets | 3.1807% | 2,032 |
Loan and lease loss provision to assets | 0.1658% | 1,270 |
Net operating income to assets | 0.6707% | 4,028 |
Return on assets (ROA) | 0.6813% | 4,092 |
Pretax return on assets | 0.9775% | 3,670 |
Return on Equity (ROE) | 5.8147% | 4,225 |
Retained earnings to average equity (ytd only) | 5.8147% | 2,349 |
Net charge-offs to loans | 0.0875% | 2,161 |
Credit loss provision to net charge-offs | 256.5801% | 1,034 |
Earnings coverage of net charge-offs (x) | 17.4611% | 1,854 |
Efficiency ratio | 72.8273% | 2,875 |
Assets per employee ($millions) | 6.4680% | 1,069 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9041% | 5,289 |
Loan loss allowance to noncurrent loans | 70.3146% | 4,472 |
Noncurrent assets plus other real estate owned to assets | 1.2090% | 2,093 |
Noncurrent loans to loans | 1.2858% | 2,102 |
Net loans and leases to total assets | 73.3424% | 1,761 |
Net loans and leases to deposits | 86.7680% | 1,972 |
Net loans and leases to core deposits | 98.2206% | 1,635 |
Total domestic deposits to total assets | 84.5270% | 3,332 |
Equity capital to assets | 12.1566% | 1,913 |
Core capital (leverage) ratio | 9.0140% | 4,951 |
Tier 1 risk-based capital ratio | 9.8166% | 6,139 |
Total risk-based capital ratio | 10.6919% | 6,189 |
Memoranda: | ||
Average total assets | $17,053,858,000 | 83 |
Average earning assets | $15,262,175,330 | 86 |
Average equity | $1,998,153,670 | 81 |
Average total loans | $12,588,189,670 | 75 |
2015-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8714% | 3,739 |
Cost of funding earning assets | 0.3349% | 4,040 |
Net interest margin | 3.5366% | 3,278 |
Noninterest income to average assets | 1.0678% | 987 |
Noninterest expense to average assets | 3.1469% | 2,143 |
Loan and lease loss provision to assets | 0.1336% | 1,547 |
Net operating income to assets | 0.6658% | 3,973 |
Return on assets (ROA) | 0.6726% | 4,058 |
Pretax return on assets | 0.9604% | 3,646 |
Return on Equity (ROE) | 5.8726% | 4,093 |
Retained earnings to average equity (ytd only) | 5.8726% | 2,563 |
Net charge-offs to loans | 0.0588% | 2,168 |
Credit loss provision to net charge-offs | 308.0692% | 791 |
Earnings coverage of net charge-offs (x) | 25.0052% | 1,281 |
Efficiency ratio | 73.4843% | 2,904 |
Assets per employee ($millions) | 6.2250% | 1,241 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0685% | 4,667 |
Loan loss allowance to noncurrent loans | 72.9544% | 4,365 |
Noncurrent assets plus other real estate owned to assets | 1.3706% | 1,935 |
Noncurrent loans to loans | 1.4646% | 1,939 |
Net loans and leases to total assets | 72.7341% | 1,692 |
Net loans and leases to deposits | 89.0765% | 1,495 |
Net loans and leases to core deposits | 101.0800% | 1,249 |
Total domestic deposits to total assets | 81.6535% | 4,622 |
Equity capital to assets | 11.4337% | 2,530 |
Core capital (leverage) ratio | 8.4651% | 5,557 |
Tier 1 risk-based capital ratio | 9.5156% | 6,270 |
Total risk-based capital ratio | 10.5542% | 6,279 |
Memoranda: | ||
Average total assets | $16,004,957,000 | 88 |
Average earning assets | $14,316,121,500 | 87 |
Average equity | $1,833,136,000 | 85 |
Average total loans | $11,795,066,000 | 81 |
2014-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8963% | 4,129 |
Cost of funding earning assets | 0.3207% | 4,572 |
Net interest margin | 3.5756% | 3,488 |
Noninterest income to average assets | 0.9886% | 1,240 |
Noninterest expense to average assets | 3.0463% | 2,702 |
Loan and lease loss provision to assets | 0.1303% | 2,013 |
Net operating income to assets | 0.7369% | 3,699 |
Return on assets (ROA) | 0.7409% | 3,780 |
Pretax return on assets | 0.9833% | 3,567 |
Return on Equity (ROE) | 6.5811% | 3,855 |
Retained earnings to average equity (ytd only) | 6.5811% | 1,607 |
Net charge-offs to loans | 0.0524% | 3,784 |
Credit loss provision to net charge-offs | 341.2102% | 772 |
Earnings coverage of net charge-offs (x) | 29.0263% | 1,374 |
Efficiency ratio | 72.3754% | 3,141 |
Assets per employee ($millions) | 6.2677% | 1,206 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1236% | 4,428 |
Loan loss allowance to noncurrent loans | 82.4773% | 4,174 |
Noncurrent assets plus other real estate owned to assets | 1.3449% | 2,085 |
Noncurrent loans to loans | 1.3624% | 2,156 |
Net loans and leases to total assets | 73.0503% | 1,748 |
Net loans and leases to deposits | 91.1800% | 1,385 |
Net loans and leases to core deposits | 103.8233% | 1,136 |
Total domestic deposits to total assets | 80.1166% | 4,985 |
Equity capital to assets | 11.4743% | 2,447 |
Core capital (leverage) ratio | 8.4395% | 5,625 |
Tier 1 risk-based capital ratio | 10.0811% | 6,236 |
Total risk-based capital ratio | 11.2112% | 6,220 |
Memoranda: | ||
Average total assets | $14,629,691,200 | 90 |
Average earning assets | $12,953,671,600 | 92 |
Average equity | $1,647,036,200 | 91 |
Average total loans | $10,655,797,000 | 81 |
2014-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8517% | 4,365 |
Cost of funding earning assets | 0.3135% | 4,749 |
Net interest margin | 3.5382% | 3,679 |
Noninterest income to average assets | 1.0057% | 1,214 |
Noninterest expense to average assets | 3.1047% | 2,458 |
Loan and lease loss provision to assets | 0.1166% | 2,113 |
Net operating income to assets | 0.6744% | 4,083 |
Return on assets (ROA) | 0.6786% | 4,143 |
Pretax return on assets | 0.9145% | 3,929 |
Return on Equity (ROE) | 6.0590% | 4,204 |
Retained earnings to average equity (ytd only) | 6.0590% | 2,373 |
Net charge-offs to loans | 0.0490% | 3,521 |
Credit loss provision to net charge-offs | 327.8967% | 852 |
Earnings coverage of net charge-offs (x) | 28.8390% | 1,411 |
Efficiency ratio | 74.2887% | 2,774 |
Assets per employee ($millions) | 6.3134% | 1,140 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1983% | 4,234 |
Loan loss allowance to noncurrent loans | 74.5692% | 4,349 |
Noncurrent assets plus other real estate owned to assets | 1.5721% | 1,946 |
Noncurrent loans to loans | 1.6069% | 2,027 |
Net loans and leases to total assets | 71.8350% | 1,880 |
Net loans and leases to deposits | 89.2329% | 1,517 |
Net loans and leases to core deposits | 101.0490% | 1,288 |
Total domestic deposits to total assets | 80.5028% | 4,963 |
Equity capital to assets | 11.3686% | 2,612 |
Core capital (leverage) ratio | 8.2477% | 5,884 |
Tier 1 risk-based capital ratio | 10.0275% | 6,337 |
Total risk-based capital ratio | 11.2269% | 6,316 |
Memoranda: | ||
Average total assets | $14,368,244,750 | 93 |
Average earning assets | $12,688,257,250 | 92 |
Average equity | $1,609,133,000 | 92 |
Average total loans | $10,424,467,250 | 84 |
2014-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7816% | 4,591 |
Cost of funding earning assets | 0.2998% | 4,966 |
Net interest margin | 3.4818% | 3,849 |
Noninterest income to average assets | 0.9957% | 1,213 |
Noninterest expense to average assets | 3.1386% | 2,365 |
Loan and lease loss provision to assets | 0.0978% | 2,396 |
Net operating income to assets | 0.6157% | 4,271 |
Return on assets (ROA) | 0.6159% | 4,371 |
Pretax return on assets | 0.8273% | 4,169 |
Return on Equity (ROE) | 5.5306% | 4,419 |
Retained earnings to average equity (ytd only) | 5.5306% | 2,620 |
Net charge-offs to loans | 0.0320% | 3,558 |
Credit loss provision to net charge-offs | 421.6000% | 666 |
Earnings coverage of net charge-offs (x) | 39.8646% | 1,064 |
Efficiency ratio | 76.3810% | 2,559 |
Assets per employee ($millions) | 6.0780% | 1,232 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2054% | 4,397 |
Loan loss allowance to noncurrent loans | 69.9877% | 4,506 |
Noncurrent assets plus other real estate owned to assets | 1.7979% | 1,801 |
Noncurrent loans to loans | 1.7223% | 2,006 |
Net loans and leases to total assets | 71.7901% | 1,781 |
Net loans and leases to deposits | 90.7918% | 1,291 |
Net loans and leases to core deposits | 102.1596% | 1,125 |
Total domestic deposits to total assets | 79.0712% | 5,440 |
Equity capital to assets | 11.3528% | 2,550 |
Core capital (leverage) ratio | 8.9015% | 5,158 |
Tier 1 risk-based capital ratio | 9.9686% | 6,409 |
Total risk-based capital ratio | 11.1748% | 6,382 |
Memoranda: | ||
Average total assets | $14,010,128,670 | 95 |
Average earning assets | $12,344,042,330 | 94 |
Average equity | $1,560,310,670 | 97 |
Average total loans | $10,156,713,330 | 84 |
2014-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8759% | 4,193 |
Cost of funding earning assets | 0.3070% | 4,995 |
Net interest margin | 3.5688% | 3,396 |
Noninterest income to average assets | 0.8894% | 1,428 |
Noninterest expense to average assets | 2.9829% | 2,922 |
Loan and lease loss provision to assets | 0.0628% | 2,865 |
Net operating income to assets | 0.7228% | 3,573 |
Return on assets (ROA) | 0.7232% | 3,656 |
Pretax return on assets | 0.9849% | 3,387 |
Return on Equity (ROE) | 6.5660% | 3,707 |
Retained earnings to average equity (ytd only) | 6.5660% | 2,245 |
Net charge-offs to loans | 0.0317% | 2,959 |
Credit loss provision to net charge-offs | 273.8281% | 846 |
Earnings coverage of net charge-offs (x) | 45.6536% | 809 |
Efficiency ratio | 73.1153% | 3,293 |
Assets per employee ($millions) | 5.8080% | 1,450 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3773% | 3,708 |
Loan loss allowance to noncurrent loans | 64.6500% | 4,675 |
Noncurrent assets plus other real estate owned to assets | 2.2240% | 1,488 |
Noncurrent loans to loans | 2.1304% | 1,722 |
Net loans and leases to total assets | 71.4360% | 1,656 |
Net loans and leases to deposits | 87.7103% | 1,390 |
Net loans and leases to core deposits | 97.3164% | 1,290 |
Total domestic deposits to total assets | 81.4454% | 5,111 |
Equity capital to assets | 11.0617% | 2,668 |
Core capital (leverage) ratio | 8.4139% | 5,734 |
Tier 1 risk-based capital ratio | 9.9920% | 6,482 |
Total risk-based capital ratio | 11.2433% | 6,454 |
Memoranda: | ||
Average total assets | $13,393,399,500 | 96 |
Average earning assets | $11,786,484,000 | 96 |
Average equity | $1,475,181,000 | 99 |
Average total loans | $9,696,616,500 | 83 |
2013-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8626% | 4,599 |
Cost of funding earning assets | 0.3872% | 4,780 |
Net interest margin | 3.4754% | 4,005 |
Noninterest income to average assets | 1.0748% | 1,224 |
Noninterest expense to average assets | 3.3769% | 1,932 |
Loan and lease loss provision to assets | 0.0395% | 4,330 |
Net operating income to assets | 0.5433% | 4,540 |
Return on assets (ROA) | 0.5577% | 4,592 |
Pretax return on assets | 0.6980% | 4,549 |
Return on Equity (ROE) | 4.9845% | 4,642 |
Retained earnings to average equity (ytd only) | 1.6193% | 5,063 |
Net charge-offs to loans | 0.0436% | 4,608 |
Credit loss provision to net charge-offs | 129.9571% | 1,805 |
Earnings coverage of net charge-offs (x) | 23.6545% | 1,403 |
Efficiency ratio | 81.5488% | 1,938 |
Assets per employee ($millions) | 5.7429% | 1,448 |
Cash dividends to net income (ytd only)* | 67.5126% | 1,419 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4872% | 3,256 |
Loan loss allowance to noncurrent loans | 58.5893% | 4,916 |
Noncurrent assets plus other real estate owned to assets | 2.5721% | 1,321 |
Noncurrent loans to loans | 2.5383% | 1,477 |
Net loans and leases to total assets | 71.2866% | 1,796 |
Net loans and leases to deposits | 87.4717% | 1,523 |
Net loans and leases to core deposits | 97.1988% | 1,370 |
Total domestic deposits to total assets | 81.4967% | 5,038 |
Equity capital to assets | 10.9661% | 2,644 |
Core capital (leverage) ratio | 8.4614% | 5,713 |
Tier 1 risk-based capital ratio | 10.0785% | 6,497 |
Total risk-based capital ratio | 11.3311% | 6,459 |
Memoranda: | ||
Average total assets | $13,014,212,600 | 96 |
Average earning assets | $11,315,393,200 | 96 |
Average equity | $1,456,085,000 | 100 |
Average total loans | $9,077,183,600 | 86 |
2013-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8396% | 4,699 |
Cost of funding earning assets | 0.4035% | 4,794 |
Net interest margin | 3.4361% | 4,143 |
Noninterest income to average assets | 1.1199% | 1,168 |
Noninterest expense to average assets | 3.5441% | 1,516 |
Loan and lease loss provision to assets | 0.0046% | 4,874 |
Net operating income to assets | 0.4581% | 4,992 |
Return on assets (ROA) | 0.4779% | 5,053 |
Pretax return on assets | 0.5725% | 5,123 |
Return on Equity (ROE) | 4.2499% | 5,104 |
Retained earnings to average equity (ytd only) | -0.2383% | 5,987 |
Net charge-offs to loans | 0.0385% | 4,376 |
Credit loss provision to net charge-offs | 17.2147% | 4,114 |
Earnings coverage of net charge-offs (x) | 20.7783% | 1,573 |
Efficiency ratio | 85.6064% | 1,399 |
Assets per employee ($millions) | 5.6988% | 1,449 |
Cash dividends to net income (ytd only)* | 105.6080% | 349 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6232% | 2,904 |
Loan loss allowance to noncurrent loans | 47.4120% | 5,332 |
Noncurrent assets plus other real estate owned to assets | 3.3696% | 1,026 |
Noncurrent loans to loans | 3.4236% | 1,129 |
Net loans and leases to total assets | 68.8350% | 2,170 |
Net loans and leases to deposits | 81.3668% | 2,219 |
Net loans and leases to core deposits | 89.2948% | 2,042 |
Total domestic deposits to total assets | 84.5983% | 3,930 |
Equity capital to assets | 11.0630% | 2,706 |
Core capital (leverage) ratio | 8.3498% | 5,917 |
Tier 1 risk-based capital ratio | 10.3925% | 6,486 |
Total risk-based capital ratio | 11.6469% | 6,450 |
Memoranda: | ||
Average total assets | $12,944,074,250 | 96 |
Average earning assets | $11,216,122,250 | 96 |
Average equity | $1,455,627,250 | 99 |
Average total loans | $8,941,364,250 | 85 |
2013-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8470% | 4,661 |
Cost of funding earning assets | 0.4246% | 4,712 |
Net interest margin | 3.4224% | 4,101 |
Noninterest income to average assets | 1.1081% | 1,237 |
Noninterest expense to average assets | 3.7423% | 1,176 |
Loan and lease loss provision to assets | -0.0243% | 6,604 |
Net operating income to assets | 0.2988% | 5,602 |
Return on assets (ROA) | 0.3295% | 5,649 |
Pretax return on assets | 0.3847% | 5,670 |
Return on Equity (ROE) | 2.9139% | 5,654 |
Retained earnings to average equity (ytd only) | -1.7483% | 6,161 |
Net charge-offs to loans | 0.0529% | 3,938 |
Credit loss provision to net charge-offs | -66.8798% | 5,564 |
Earnings coverage of net charge-offs (x) | 8.9271% | 2,349 |
Efficiency ratio | 91.1146% | 972 |
Assets per employee ($millions) | 5.4420% | 1,638 |
Cash dividends to net income (ytd only)* | 160.0000% | 172 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7970% | 2,443 |
Loan loss allowance to noncurrent loans | 44.2838% | 5,443 |
Noncurrent assets plus other real estate owned to assets | 3.8869% | 916 |
Noncurrent loans to loans | 4.0580% | 952 |
Net loans and leases to total assets | 69.7877% | 1,921 |
Net loans and leases to deposits | 82.7870% | 1,952 |
Net loans and leases to core deposits | 90.9799% | 1,813 |
Total domestic deposits to total assets | 84.2979% | 4,203 |
Equity capital to assets | 11.2352% | 2,534 |
Core capital (leverage) ratio | 8.3337% | 5,843 |
Tier 1 risk-based capital ratio | 10.5951% | 6,478 |
Total risk-based capital ratio | 11.8518% | 6,448 |
Memoranda: | ||
Average total assets | $12,899,171,670 | 97 |
Average earning assets | $11,152,310,670 | 96 |
Average equity | $1,458,533,330 | 99 |
Average total loans | $8,871,378,330 | 85 |
2013-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8049% | 4,811 |
Cost of funding earning assets | 0.4565% | 4,520 |
Net interest margin | 3.3483% | 4,324 |
Noninterest income to average assets | 1.1054% | 1,212 |
Noninterest expense to average assets | 4.2054% | 708 |
Loan and lease loss provision to assets | -0.1041% | 6,841 |
Net operating income to assets | 0.0424% | 6,272 |
Return on assets (ROA) | 0.0890% | 6,257 |
Pretax return on assets | -0.0362% | 6,435 |
Return on Equity (ROE) | 0.7847% | 6,262 |
Retained earnings to average equity (ytd only) | -1.9342% | 6,069 |
Net charge-offs to loans | 0.0552% | 3,279 |
Credit loss provision to net charge-offs | -279.0909% | 5,337 |
Earnings coverage of net charge-offs (x) | -5.7107% | 4,079 |
Efficiency ratio | 104.4238% | 434 |
Assets per employee ($millions) | 5.2690% | 1,903 |
Cash dividends to net income (ytd only)* | 346.5003% | 61 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1601% | 1,665 |
Loan loss allowance to noncurrent loans | 45.7817% | 5,341 |
Noncurrent assets plus other real estate owned to assets | 4.2295% | 904 |
Noncurrent loans to loans | 4.7183% | 849 |
Net loans and leases to total assets | 66.7040% | 2,247 |
Net loans and leases to deposits | 79.9693% | 2,076 |
Net loans and leases to core deposits | 87.9383% | 1,915 |
Total domestic deposits to total assets | 83.4120% | 4,706 |
Equity capital to assets | 11.3816% | 2,548 |
Core capital (leverage) ratio | 8.2419% | 5,890 |
Tier 1 risk-based capital ratio | 11.0347% | 6,390 |
Total risk-based capital ratio | 12.2946% | 6,362 |
Memoranda: | ||
Average total assets | $12,970,728,500 | 95 |
Average earning assets | $11,183,102,500 | 97 |
Average equity | $1,471,217,000 | 100 |
Average total loans | $8,774,533,500 | 87 |
2012-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3237% | 4,110 |
Cost of funding earning assets | 0.5856% | 4,481 |
Net interest margin | 3.7380% | 3,483 |
Noninterest income to average assets | 1.2031% | 1,087 |
Noninterest expense to average assets | 3.0910% | 2,956 |
Loan and lease loss provision to assets | 0.1697% | 3,500 |
Net operating income to assets | 0.7833% | 3,356 |
Return on assets (ROA) | 0.8053% | 3,514 |
Pretax return on assets | 1.1309% | 3,046 |
Return on Equity (ROE) | 6.7985% | 3,763 |
Retained earnings to average equity (ytd only) | 1.9484% | 4,849 |
Net charge-offs to loans | 0.2451% | 3,471 |
Credit loss provision to net charge-offs | 104.6898% | 2,853 |
Earnings coverage of net charge-offs (x) | 7.8344% | 2,520 |
Efficiency ratio | 69.9161% | 3,834 |
Assets per employee ($millions) | 7.2913% | 679 |
Cash dividends to net income (ytd only)* | 71.3412% | 1,318 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.8702% | 759 |
Loan loss allowance to noncurrent loans | 52.3401% | 5,020 |
Noncurrent assets plus other real estate owned to assets | 4.6005% | 889 |
Noncurrent loans to loans | 5.4837% | 677 |
Net loans and leases to total assets | 65.2012% | 2,676 |
Net loans and leases to deposits | 78.7481% | 2,431 |
Net loans and leases to core deposits | 86.3588% | 2,266 |
Total domestic deposits to total assets | 82.7972% | 4,800 |
Equity capital to assets | 11.3042% | 2,628 |
Core capital (leverage) ratio | 8.5669% | 5,513 |
Tier 1 risk-based capital ratio | 11.4069% | 6,159 |
Total risk-based capital ratio | 12.6760% | 6,120 |
Memoranda: | ||
Average total assets | $12,184,396,000 | 96 |
Average earning assets | $10,292,123,400 | 102 |
Average equity | $1,443,257,000 | 94 |
Average total loans | $8,054,339,200 | 91 |
2012-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3735% | 4,159 |
Cost of funding earning assets | 0.6127% | 4,513 |
Net interest margin | 3.7608% | 3,502 |
Noninterest income to average assets | 1.1562% | 1,140 |
Noninterest expense to average assets | 3.0760% | 2,960 |
Loan and lease loss provision to assets | 0.1761% | 3,375 |
Net operating income to assets | 0.7607% | 3,648 |
Return on assets (ROA) | 0.7906% | 3,735 |
Pretax return on assets | 1.1107% | 3,313 |
Return on Equity (ROE) | 6.5924% | 4,020 |
Retained earnings to average equity (ytd only) | 0.0886% | 6,046 |
Net charge-offs to loans | 0.3011% | 2,933 |
Credit loss provision to net charge-offs | 88.8570% | 3,332 |
Earnings coverage of net charge-offs (x) | 6.2803% | 2,821 |
Efficiency ratio | 70.1952% | 3,653 |
Assets per employee ($millions) | 7.0522% | 724 |
Cash dividends to net income (ytd only)* | 98.6555% | 355 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.3858% | 1,387 |
Loan loss allowance to noncurrent loans | 40.4097% | 5,634 |
Noncurrent assets plus other real estate owned to assets | 5.0255% | 887 |
Noncurrent loans to loans | 5.9040% | 702 |
Net loans and leases to total assets | 66.1598% | 2,623 |
Net loans and leases to deposits | 82.3944% | 2,065 |
Net loans and leases to core deposits | 89.0349% | 2,098 |
Total domestic deposits to total assets | 80.2964% | 5,577 |
Equity capital to assets | 11.6814% | 2,555 |
Core capital (leverage) ratio | 8.7735% | 5,380 |
Tier 1 risk-based capital ratio | 11.6195% | 6,160 |
Total risk-based capital ratio | 12.8829% | 6,125 |
Memoranda: | ||
Average total assets | $11,965,811,500 | 98 |
Average earning assets | $10,068,541,000 | 102 |
Average equity | $1,435,026,500 | 96 |
Average total loans | $7,876,410,250 | 94 |
2012-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4152% | 4,122 |
Cost of funding earning assets | 0.6444% | 4,492 |
Net interest margin | 3.7708% | 3,492 |
Noninterest income to average assets | 1.0650% | 1,264 |
Noninterest expense to average assets | 3.0271% | 3,159 |
Loan and lease loss provision to assets | 0.1991% | 3,090 |
Net operating income to assets | 0.7178% | 3,768 |
Return on assets (ROA) | 0.7634% | 3,803 |
Pretax return on assets | 1.0623% | 3,454 |
Return on Equity (ROE) | 6.3079% | 4,153 |
Retained earnings to average equity (ytd only) | 6.3079% | 2,499 |
Net charge-offs to loans | 0.4127% | 2,384 |
Credit loss provision to net charge-offs | 74.0797% | 3,472 |
Earnings coverage of net charge-offs (x) | 4.4572% | 3,076 |
Efficiency ratio | 70.6086% | 3,672 |
Assets per employee ($millions) | 7.1339% | 691 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.3656% | 1,467 |
Loan loss allowance to noncurrent loans | 36.9009% | 5,822 |
Noncurrent assets plus other real estate owned to assets | 5.2961% | 870 |
Noncurrent loans to loans | 6.4106% | 662 |
Net loans and leases to total assets | 64.2665% | 2,976 |
Net loans and leases to deposits | 81.4459% | 2,177 |
Net loans and leases to core deposits | 87.9244% | 2,215 |
Total domestic deposits to total assets | 78.9070% | 5,976 |
Equity capital to assets | 12.0565% | 2,112 |
Core capital (leverage) ratio | 9.2692% | 4,496 |
Tier 1 risk-based capital ratio | 12.7193% | 5,403 |
Total risk-based capital ratio | 13.9815% | 5,363 |
Memoranda: | ||
Average total assets | $11,803,005,670 | 98 |
Average earning assets | $9,892,025,670 | 102 |
Average equity | $1,428,425,670 | 96 |
Average total loans | $7,688,187,670 | 95 |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4668% | 4,043 |
Cost of funding earning assets | 0.6775% | 4,487 |
Net interest margin | 3.7893% | 3,440 |
Noninterest income to average assets | 0.9543% | 1,551 |
Noninterest expense to average assets | 2.9064% | 3,595 |
Loan and lease loss provision to assets | 0.0978% | 4,125 |
Net operating income to assets | 0.8021% | 3,365 |
Return on assets (ROA) | 0.8720% | 3,267 |
Pretax return on assets | 1.2151% | 2,857 |
Return on Equity (ROE) | 7.1911% | 3,665 |
Retained earnings to average equity (ytd only) | 7.1911% | 2,327 |
Net charge-offs to loans | 0.7788% | 1,319 |
Credit loss provision to net charge-offs | 19.3734% | 3,788 |
Earnings coverage of net charge-offs (x) | 2.4095% | 3,214 |
Efficiency ratio | 69.4357% | 3,911 |
Assets per employee ($millions) | 6.9013% | 791 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.3295% | 1,628 |
Loan loss allowance to noncurrent loans | 25.8697% | 6,345 |
Noncurrent assets plus other real estate owned to assets | 6.9335% | 627 |
Noncurrent loans to loans | 9.0047% | 378 |
Net loans and leases to total assets | 63.4727% | 2,957 |
Net loans and leases to deposits | 77.8332% | 2,543 |
Net loans and leases to core deposits | 84.3482% | 2,505 |
Total domestic deposits to total assets | 81.5496% | 5,444 |
Equity capital to assets | 12.2094% | 1,908 |
Core capital (leverage) ratio | 9.1910% | 4,534 |
Tier 1 risk-based capital ratio | 13.0043% | 5,217 |
Total risk-based capital ratio | 14.2669% | 5,179 |
Memoranda: | ||
Average total assets | $11,690,650,500 | 98 |
Average earning assets | $9,773,381,500 | 102 |
Average equity | $1,417,576,500 | 96 |
Average total loans | $7,573,741,000 | 94 |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5690% | 4,792 |
Cost of funding earning assets | 0.8743% | 4,295 |
Net interest margin | 3.6947% | 4,320 |
Noninterest income to average assets | 0.9774% | 1,433 |
Noninterest expense to average assets | 2.9662% | 3,721 |
Loan and lease loss provision to assets | 0.2381% | 3,827 |
Net operating income to assets | 0.6618% | 3,685 |
Return on assets (ROA) | 0.6818% | 3,763 |
Pretax return on assets | 0.9280% | 3,522 |
Return on Equity (ROE) | 5.8086% | 3,965 |
Retained earnings to average equity (ytd only) | 5.8086% | 2,119 |
Net charge-offs to loans | 0.1187% | 5,199 |
Credit loss provision to net charge-offs | 316.0679% | 741 |
Earnings coverage of net charge-offs (x) | 15.1158% | 1,413 |
Efficiency ratio | 71.1087% | 3,765 |
Assets per employee ($millions) | 6.8848% | 777 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.5694% | 1,225 |
Loan loss allowance to noncurrent loans | 25.8956% | 6,397 |
Noncurrent assets plus other real estate owned to assets | 7.4789% | 589 |
Noncurrent loans to loans | 9.9222% | 322 |
Net loans and leases to total assets | 62.9228% | 3,424 |
Net loans and leases to deposits | 78.2633% | 2,790 |
Net loans and leases to core deposits | 85.2171% | 2,726 |
Total domestic deposits to total assets | 80.3989% | 5,625 |
Equity capital to assets | 12.0418% | 2,090 |
Core capital (leverage) ratio | 9.0027% | 4,785 |
Tier 1 risk-based capital ratio | 12.8782% | 5,171 |
Total risk-based capital ratio | 14.1441% | 5,135 |
Memoranda: | ||
Average total assets | $10,862,459,800 | 99 |
Average earning assets | $9,195,283,500 | 104 |
Average equity | $1,274,957,200 | 107 |
Average total loans | $6,896,556,400 | 95 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5803% | 4,943 |
Cost of funding earning assets | 0.9149% | 4,303 |
Net interest margin | 3.6654% | 4,500 |
Noninterest income to average assets | 0.9648% | 1,439 |
Noninterest expense to average assets | 2.9284% | 3,806 |
Loan and lease loss provision to assets | 0.2701% | 3,344 |
Net operating income to assets | 0.6406% | 3,918 |
Return on assets (ROA) | 0.6655% | 3,970 |
Pretax return on assets | 0.9016% | 3,759 |
Return on Equity (ROE) | 5.7102% | 4,169 |
Retained earnings to average equity (ytd only) | 5.7102% | 2,739 |
Net charge-offs to loans | 0.0561% | 5,413 |
Credit loss provision to net charge-offs | 762.0544% | 355 |
Earnings coverage of net charge-offs (x) | 32.1147% | 890 |
Efficiency ratio | 70.8642% | 3,771 |
Assets per employee ($millions) | 6.9035% | 776 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.3819% | 1,566 |
Loan loss allowance to noncurrent loans | 21.1231% | 6,643 |
Noncurrent assets plus other real estate owned to assets | 8.3283% | 515 |
Noncurrent loans to loans | 11.2764% | 277 |
Net loans and leases to total assets | 62.7733% | 3,551 |
Net loans and leases to deposits | 77.1984% | 3,134 |
Net loans and leases to core deposits | 84.7895% | 2,944 |
Total domestic deposits to total assets | 81.3142% | 5,328 |
Equity capital to assets | 12.0863% | 2,185 |
Core capital (leverage) ratio | 8.9989% | 4,927 |
Tier 1 risk-based capital ratio | 13.2229% | 4,930 |
Total risk-based capital ratio | 14.4865% | 4,892 |
Memoranda: | ||
Average total assets | $10,658,907,000 | 101 |
Average earning assets | $9,019,540,000 | 105 |
Average equity | $1,242,174,750 | 107 |
Average total loans | $6,735,433,000 | 98 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4770% | 5,428 |
Cost of funding earning assets | 0.9485% | 4,329 |
Net interest margin | 3.5284% | 5,019 |
Noninterest income to average assets | 0.9179% | 1,591 |
Noninterest expense to average assets | 2.8525% | 4,225 |
Loan and lease loss provision to assets | 0.2974% | 3,021 |
Net operating income to assets | 0.5678% | 4,220 |
Return on assets (ROA) | 0.5894% | 4,244 |
Pretax return on assets | 0.7753% | 4,120 |
Return on Equity (ROE) | 5.1271% | 4,391 |
Retained earnings to average equity (ytd only) | 5.1271% | 2,924 |
Net charge-offs to loans | 0.0292% | 5,425 |
Credit loss provision to net charge-offs | 1,620.6499% | 214 |
Earnings coverage of net charge-offs (x) | 56.9036% | 559 |
Efficiency ratio | 72.0395% | 3,725 |
Assets per employee ($millions) | 6.6655% | 852 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.3351% | 1,687 |
Loan loss allowance to noncurrent loans | 20.8825% | 6,694 |
Noncurrent assets plus other real estate owned to assets | 8.2035% | 550 |
Noncurrent loans to loans | 11.1819% | 306 |
Net loans and leases to total assets | 62.5975% | 3,770 |
Net loans and leases to deposits | 76.8465% | 3,317 |
Net loans and leases to core deposits | 84.5070% | 3,134 |
Total domestic deposits to total assets | 81.4578% | 5,367 |
Equity capital to assets | 11.9178% | 2,152 |
Core capital (leverage) ratio | 9.7517% | 3,595 |
Tier 1 risk-based capital ratio | 13.0802% | 4,852 |
Total risk-based capital ratio | 14.3432% | 4,823 |
Memoranda: | ||
Average total assets | $10,396,517,000 | 106 |
Average earning assets | $8,777,072,500 | 108 |
Average equity | $1,195,097,000 | 111 |
Average total loans | $6,527,112,000 | 100 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8706% | 3,720 |
Cost of funding earning assets | 1.0394% | 3,920 |
Net interest margin | 3.8312% | 3,460 |
Noninterest income to average assets | 0.9570% | 1,446 |
Noninterest expense to average assets | 2.7843% | 4,512 |
Loan and lease loss provision to assets | 0.2207% | 3,451 |
Net operating income to assets | 0.7941% | 3,062 |
Return on assets (ROA) | 0.7955% | 3,124 |
Pretax return on assets | 1.1075% | 2,730 |
Return on Equity (ROE) | 7.0688% | 3,343 |
Retained earnings to average equity (ytd only) | 7.0688% | 2,117 |
Net charge-offs to loans | -0.0497% | 6,882 |
Credit loss provision to net charge-offs | -716.0995% | 6,040 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 66.5875% | 4,931 |
Assets per employee ($millions) | 7.2833% | 644 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.4136% | 1,588 |
Loan loss allowance to noncurrent loans | 17.9760% | 6,835 |
Noncurrent assets plus other real estate owned to assets | 9.2469% | 463 |
Noncurrent loans to loans | 13.4266% | 207 |
Net loans and leases to total assets | 61.0932% | 4,059 |
Net loans and leases to deposits | 74.6878% | 3,653 |
Net loans and leases to core deposits | 81.8170% | 3,477 |
Total domestic deposits to total assets | 81.7980% | 5,391 |
Equity capital to assets | 11.4160% | 2,335 |
Core capital (leverage) ratio | 9.0491% | 4,534 |
Tier 1 risk-based capital ratio | 14.2379% | 3,915 |
Total risk-based capital ratio | 15.5026% | 3,867 |
Memoranda: | ||
Average total assets | $9,915,786,500 | 110 |
Average earning assets | $8,162,090,000 | 117 |
Average equity | $1,115,837,500 | 118 |
Average total loans | $6,150,768,000 | 107 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7874% | 5,459 |
Cost of funding earning assets | 1.3519% | 3,559 |
Net interest margin | 3.4355% | 5,493 |
Noninterest income to average assets | 0.5954% | 3,504 |
Noninterest expense to average assets | 1.9722% | 7,067 |
Loan and lease loss provision to assets | 0.3535% | 4,009 |
Net operating income to assets | 0.7251% | 3,125 |
Return on assets (ROA) | 0.7669% | 3,052 |
Pretax return on assets | 1.1185% | 2,509 |
Return on Equity (ROE) | 8.7401% | 2,403 |
Retained earnings to average equity (ytd only) | 8.7401% | 771 |
Net charge-offs to loans | 0.2876% | 4,582 |
Credit loss provision to net charge-offs | 218.2814% | 1,379 |
Earnings coverage of net charge-offs (x) | 8.7148% | 1,933 |
Efficiency ratio | 56.9872% | 6,460 |
Assets per employee ($millions) | 10.5796% | 222 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.3457% | 1,620 |
Loan loss allowance to noncurrent loans | 13.7573% | 7,019 |
Noncurrent assets plus other real estate owned to assets | 10.7882% | 360 |
Noncurrent loans to loans | 17.0506% | 109 |
Net loans and leases to total assets | 57.8998% | 5,042 |
Net loans and leases to deposits | 70.2086% | 4,792 |
Net loans and leases to core deposits | 77.4068% | 4,532 |
Total domestic deposits to total assets | 82.4682% | 5,030 |
Equity capital to assets | 9.7015% | 4,128 |
Core capital (leverage) ratio | 8.1428% | 5,922 |
Tier 1 risk-based capital ratio | 14.3892% | 3,623 |
Total risk-based capital ratio | 15.6538% | 3,569 |
Memoranda: | ||
Average total assets | $8,507,452,800 | 126 |
Average earning assets | $6,904,477,200 | 134 |
Average equity | $746,505,200 | 143 |
Average total loans | $4,790,586,000 | 126 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8109% | 5,609 |
Cost of funding earning assets | 1.4037% | 3,557 |
Net interest margin | 3.4072% | 5,649 |
Noninterest income to average assets | 0.5679% | 3,670 |
Noninterest expense to average assets | 1.9303% | 7,163 |
Loan and lease loss provision to assets | 0.3996% | 3,510 |
Net operating income to assets | 0.6878% | 3,477 |
Return on assets (ROA) | 0.7432% | 3,396 |
Pretax return on assets | 1.0728% | 2,918 |
Return on Equity (ROE) | 8.6923% | 2,607 |
Retained earnings to average equity (ytd only) | 8.6923% | 1,164 |
Net charge-offs to loans | 0.3081% | 4,115 |
Credit loss provision to net charge-offs | 233.3637% | 1,455 |
Earnings coverage of net charge-offs (x) | 8.1299% | 2,208 |
Efficiency ratio | 56.8049% | 6,438 |
Assets per employee ($millions) | 10.8500% | 216 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.3277% | 1,580 |
Loan loss allowance to noncurrent loans | 12.3863% | 7,135 |
Noncurrent assets plus other real estate owned to assets | 10.6638% | 348 |
Noncurrent loans to loans | 18.7921% | 93 |
Net loans and leases to total assets | 52.7965% | 6,003 |
Net loans and leases to deposits | 64.3852% | 5,865 |
Net loans and leases to core deposits | 71.0527% | 5,635 |
Total domestic deposits to total assets | 82.0010% | 4,988 |
Equity capital to assets | 9.0525% | 5,503 |
Core capital (leverage) ratio | 7.6269% | 6,743 |
Tier 1 risk-based capital ratio | 14.1707% | 3,711 |
Total risk-based capital ratio | 15.4348% | 3,669 |
Memoranda: | ||
Average total assets | $8,555,431,750 | 125 |
Average earning assets | $6,916,570,500 | 132 |
Average equity | $731,449,250 | 141 |
Average total loans | $4,755,650,750 | 127 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8671% | 5,549 |
Cost of funding earning assets | 1.4128% | 3,795 |
Net interest margin | 3.4543% | 5,429 |
Noninterest income to average assets | 0.6178% | 3,208 |
Noninterest expense to average assets | 1.8895% | 7,282 |
Loan and lease loss provision to assets | 0.5372% | 2,634 |
Net operating income to assets | 0.7002% | 3,408 |
Return on assets (ROA) | 0.7166% | 3,477 |
Pretax return on assets | 1.0070% | 3,086 |
Return on Equity (ROE) | 8.5552% | 2,645 |
Retained earnings to average equity (ytd only) | 8.5552% | 1,247 |
Net charge-offs to loans | 0.2893% | 3,889 |
Credit loss provision to net charge-offs | 330.9548% | 1,105 |
Earnings coverage of net charge-offs (x) | 9.3707% | 2,029 |
Efficiency ratio | 54.1519% | 6,868 |
Assets per employee ($millions) | 11.6735% | 174 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5872% | 3,506 |
Loan loss allowance to noncurrent loans | 10.4920% | 7,253 |
Noncurrent assets plus other real estate owned to assets | 8.7606% | 515 |
Noncurrent loans to loans | 15.1277% | 170 |
Net loans and leases to total assets | 54.3065% | 5,953 |
Net loans and leases to deposits | 66.3283% | 5,767 |
Net loans and leases to core deposits | 72.3039% | 5,639 |
Total domestic deposits to total assets | 81.8753% | 5,040 |
Equity capital to assets | 9.0385% | 5,385 |
Core capital (leverage) ratio | 7.7145% | 6,591 |
Tier 1 risk-based capital ratio | 14.9691% | 3,162 |
Total risk-based capital ratio | 16.7908% | 2,842 |
Memoranda: | ||
Average total assets | $8,477,738,330 | 127 |
Average earning assets | $6,854,394,000 | 132 |
Average equity | $710,073,330 | 145 |
Average total loans | $4,757,331,330 | 128 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8794% | 5,562 |
Cost of funding earning assets | 1.3452% | 4,530 |
Net interest margin | 3.5341% | 5,018 |
Noninterest income to average assets | 0.6376% | 3,019 |
Noninterest expense to average assets | 1.7822% | 7,488 |
Loan and lease loss provision to assets | 0.5174% | 2,428 |
Net operating income to assets | 0.8283% | 2,841 |
Return on assets (ROA) | 0.8594% | 2,802 |
Pretax return on assets | 1.2039% | 2,349 |
Return on Equity (ROE) | 10.6954% | 1,873 |
Retained earnings to average equity (ytd only) | 10.6954% | 989 |
Net charge-offs to loans | 0.1288% | 4,195 |
Credit loss provision to net charge-offs | 709.9346% | 634 |
Earnings coverage of net charge-offs (x) | 23.0190% | 1,066 |
Efficiency ratio | 50.2747% | 7,297 |
Assets per employee ($millions) | 11.9066% | 178 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9261% | 6,753 |
Loan loss allowance to noncurrent loans | 5.1461% | 7,384 |
Noncurrent assets plus other real estate owned to assets | 10.2432% | 379 |
Noncurrent loans to loans | 17.9959% | 110 |
Net loans and leases to total assets | 53.9386% | 6,032 |
Net loans and leases to deposits | 66.3119% | 5,790 |
Net loans and leases to core deposits | 71.8097% | 5,737 |
Total domestic deposits to total assets | 81.3408% | 5,332 |
Equity capital to assets | 7.8917% | 6,766 |
Core capital (leverage) ratio | 6.9662% | 7,273 |
Tier 1 risk-based capital ratio | 12.1037% | 5,085 |
Total risk-based capital ratio | 13.5721% | 4,841 |
Memoranda: | ||
Average total assets | $8,397,415,500 | 128 |
Average earning assets | $6,705,705,000 | 137 |
Average equity | $674,720,500 | 151 |
Average total loans | $4,752,565,500 | 129 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7624% | 7,020 |
Cost of funding earning assets | 1.6147% | 4,969 |
Net interest margin | 3.1477% | 6,232 |
Noninterest income to average assets | 5.1650% | 140 |
Noninterest expense to average assets | 2.0048% | 7,364 |
Loan and lease loss provision to assets | 0.3700% | 4,569 |
Net operating income to assets | 3.6023% | 42 |
Return on assets (ROA) | 3.6490% | 40 |
Pretax return on assets | 5.6055% | 38 |
Return on Equity (ROE) | 39.7428% | 20 |
Retained earnings to average equity (ytd only) | 39.7428% | 9 |
Net charge-offs to loans | 0.3232% | 4,617 |
Credit loss provision to net charge-offs | 169.4518% | 2,522 |
Earnings coverage of net charge-offs (x) | 27.0383% | 836 |
Efficiency ratio | 24.9870% | 7,960 |
Assets per employee ($millions) | 11.3022% | 199 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.7204% | 7,332 |
Loan loss allowance to noncurrent loans | 3.8036% | 7,429 |
Noncurrent assets plus other real estate owned to assets | 11.9287% | 256 |
Noncurrent loans to loans | 18.9396% | 82 |
Net loans and leases to total assets | 58.4739% | 5,586 |
Net loans and leases to deposits | 73.3673% | 5,143 |
Net loans and leases to core deposits | 93.1574% | 4,763 |
Total domestic deposits to total assets | 79.7003% | 5,775 |
Equity capital to assets | 8.1880% | 6,357 |
Core capital (leverage) ratio | 8.3972% | 5,449 |
Tier 1 risk-based capital ratio | 12.1824% | 4,786 |
Total risk-based capital ratio | 13.5033% | 4,679 |
Memoranda: | ||
Average total assets | $5,020,979,600 | 171 |
Average earning assets | $4,376,183,600 | 175 |
Average equity | $461,004,600 | 193 |
Average total loans | $3,391,932,400 | 169 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7817% | 7,153 |
Cost of funding earning assets | 1.6773% | 5,021 |
Net interest margin | 3.1044% | 6,307 |
Noninterest income to average assets | 2.5156% | 266 |
Noninterest expense to average assets | 1.9725% | 7,435 |
Loan and lease loss provision to assets | 0.4822% | 3,490 |
Net operating income to assets | 1.8917% | 367 |
Return on assets (ROA) | 1.9483% | 349 |
Pretax return on assets | 2.9666% | 110 |
Return on Equity (ROE) | 20.1765% | 298 |
Retained earnings to average equity (ytd only) | 20.1765% | 62 |
Net charge-offs to loans | 0.4619% | 3,380 |
Credit loss provision to net charge-offs | 145.6157% | 3,341 |
Earnings coverage of net charge-offs (x) | 10.1563% | 1,998 |
Efficiency ratio | 36.5088% | 7,969 |
Assets per employee ($millions) | 10.3944% | 241 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9368% | 6,614 |
Loan loss allowance to noncurrent loans | 30.7987% | 6,400 |
Noncurrent assets plus other real estate owned to assets | 2.3393% | 2,942 |
Noncurrent loans to loans | 3.0418% | 2,493 |
Net loans and leases to total assets | 68.3144% | 3,883 |
Net loans and leases to deposits | 87.4590% | 3,069 |
Net loans and leases to core deposits | 102.7909% | 4,077 |
Total domestic deposits to total assets | 78.1103% | 6,053 |
Equity capital to assets | 9.4706% | 4,782 |
Core capital (leverage) ratio | 7.9251% | 6,474 |
Tier 1 risk-based capital ratio | 10.5238% | 6,442 |
Total risk-based capital ratio | 12.2073% | 5,954 |
Memoranda: | ||
Average total assets | $4,247,487,750 | 206 |
Average earning assets | $3,858,528,500 | 201 |
Average equity | $410,143,750 | 213 |
Average total loans | $3,045,025,250 | 202 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8756% | 7,086 |
Cost of funding earning assets | 1.7299% | 5,125 |
Net interest margin | 3.1457% | 6,107 |
Noninterest income to average assets | 0.7116% | 2,916 |
Noninterest expense to average assets | 2.0069% | 7,452 |
Loan and lease loss provision to assets | 0.2496% | 4,575 |
Net operating income to assets | 0.9284% | 2,349 |
Return on assets (ROA) | 1.0237% | 2,112 |
Pretax return on assets | 1.4580% | 1,565 |
Return on Equity (ROE) | 10.5193% | 1,841 |
Retained earnings to average equity (ytd only) | 10.5193% | 637 |
Net charge-offs to loans | 0.1094% | 5,061 |
Credit loss provision to net charge-offs | 313.5202% | 1,484 |
Earnings coverage of net charge-offs (x) | 19.7371% | 1,350 |
Efficiency ratio | 55.3652% | 7,185 |
Assets per employee ($millions) | 10.7801% | 215 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0118% | 6,140 |
Loan loss allowance to noncurrent loans | 169.9876% | 1,753 |
Noncurrent assets plus other real estate owned to assets | 0.4504% | 6,319 |
Noncurrent loans to loans | 0.5952% | 6,067 |
Net loans and leases to total assets | 70.2192% | 3,642 |
Net loans and leases to deposits | 93.7672% | 2,126 |
Net loans and leases to core deposits | 110.8581% | 3,282 |
Total domestic deposits to total assets | 74.8867% | 6,785 |
Equity capital to assets | 9.5606% | 4,539 |
Core capital (leverage) ratio | 7.4734% | 7,053 |
Tier 1 risk-based capital ratio | 9.5430% | 7,353 |
Total risk-based capital ratio | 11.3095% | 6,785 |
Memoranda: | ||
Average total assets | $4,031,403,330 | 220 |
Average earning assets | $3,674,207,000 | 217 |
Average equity | $392,306,000 | 223 |
Average total loans | $2,934,658,000 | 210 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9094% | 7,153 |
Cost of funding earning assets | 1.7979% | 5,118 |
Net interest margin | 3.1115% | 6,163 |
Noninterest income to average assets | 0.7125% | 2,810 |
Noninterest expense to average assets | 1.9070% | 7,533 |
Loan and lease loss provision to assets | 0.2275% | 4,169 |
Net operating income to assets | 1.0011% | 2,308 |
Return on assets (ROA) | 1.0012% | 2,442 |
Pretax return on assets | 1.4143% | 1,925 |
Return on Equity (ROE) | 10.1939% | 2,246 |
Retained earnings to average equity (ytd only) | 10.1939% | 1,144 |
Net charge-offs to loans | 0.1444% | 3,809 |
Credit loss provision to net charge-offs | 213.5932% | 2,110 |
Earnings coverage of net charge-offs (x) | 15.4116% | 1,608 |
Efficiency ratio | 52.9989% | 7,317 |
Assets per employee ($millions) | 10.3491% | 241 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9548% | 6,465 |
Loan loss allowance to noncurrent loans | 158.8893% | 2,038 |
Noncurrent assets plus other real estate owned to assets | 0.4763% | 6,059 |
Noncurrent loans to loans | 0.6009% | 5,890 |
Net loans and leases to total assets | 71.6175% | 3,323 |
Net loans and leases to deposits | 93.2779% | 2,390 |
Net loans and leases to core deposits | 110.0170% | 3,436 |
Total domestic deposits to total assets | 76.7786% | 6,343 |
Equity capital to assets | 9.7656% | 4,285 |
Core capital (leverage) ratio | 7.3557% | 7,316 |
Tier 1 risk-based capital ratio | 9.3625% | 7,536 |
Total risk-based capital ratio | 11.0892% | 7,004 |
Memoranda: | ||
Average total assets | $3,950,369,500 | 222 |
Average earning assets | $3,600,682,000 | 216 |
Average equity | $387,998,000 | 224 |
Average total loans | $2,914,627,500 | 209 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.7560% | 6,573 |
Cost of funding earning assets | 2.4315% | 4,563 |
Net interest margin | 3.3246% | 5,951 |
Noninterest income to average assets | 0.8606% | 2,162 |
Noninterest expense to average assets | 1.8205% | 7,730 |
Loan and lease loss provision to assets | 0.1136% | 5,918 |
Net operating income to assets | 1.3435% | 1,364 |
Return on assets (ROA) | 1.3522% | 1,298 |
Pretax return on assets | 1.9504% | 693 |
Return on Equity (ROE) | 13.6590% | 1,172 |
Retained earnings to average equity (ytd only) | 7.4004% | 1,019 |
Net charge-offs to loans | 0.0708% | 5,757 |
Credit loss provision to net charge-offs | 215.8273% | 2,234 |
Earnings coverage of net charge-offs (x) | 38.9630% | 961 |
Efficiency ratio | 46.2948% | 7,909 |
Assets per employee ($millions) | 9.9603% | 262 |
Cash dividends to net income (ytd only)* | 45.8202% | 3,351 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9163% | 6,588 |
Loan loss allowance to noncurrent loans | 342.1552% | 1,187 |
Noncurrent assets plus other real estate owned to assets | 0.2568% | 6,550 |
Noncurrent loans to loans | 0.2678% | 6,575 |
Net loans and leases to total assets | 74.6297% | 2,958 |
Net loans and leases to deposits | 101.4596% | 1,653 |
Net loans and leases to core deposits | 119.4768% | 2,744 |
Total domestic deposits to total assets | 73.5560% | 6,727 |
Equity capital to assets | 9.8805% | 4,184 |
Core capital (leverage) ratio | 7.5809% | 7,101 |
Tier 1 risk-based capital ratio | 9.1004% | 7,720 |
Total risk-based capital ratio | 10.8010% | 7,167 |
Memoranda: | ||
Average total assets | $3,696,024,400 | 223 |
Average earning assets | $3,347,814,400 | 222 |
Average equity | $365,897,000 | 237 |
Average total loans | $2,747,810,600 | 212 |