Home > NewBridge Bank > Performance and Condition Ratios
NewBridge Bank, Performance and Condition Ratios
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 | 4.0208% | 3,234 |
Cost of funding earning assets | 0.3025% | 4,218 |
Net interest margin | 3.7183% | 2,683 |
Noninterest income to average assets | 0.6314% | 2,556 |
Noninterest expense to average assets | 2.8524% | 3,021 |
Loan and lease loss provision to assets | 0.0044% | 4,304 |
Net operating income to assets | 0.7347% | 3,650 |
Return on assets (ROA) | 0.7347% | 3,743 |
Pretax return on assets | 1.1496% | 2,843 |
Return on Equity (ROE) | 6.9704% | 3,529 |
Retained earnings to average equity (ytd only) | 4.9478% | 2,457 |
Net charge-offs to loans | 0.0623% | 2,980 |
Credit loss provision to net charge-offs | 9.7009% | 3,823 |
Earnings coverage of net charge-offs (x) | 25.3824% | 1,632 |
Efficiency ratio | 69.5382% | 3,299 |
Assets per employee ($millions) | 5.7980% | 1,538 |
Cash dividends to net income (ytd only)* | 29.0160% | 3,392 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0001% | 4,618 |
Loan loss allowance to noncurrent loans | 325.7564% | 1,527 |
Noncurrent assets plus other real estate owned to assets | 0.2794% | 4,469 |
Noncurrent loans to loans | 0.3070% | 4,359 |
Net loans and leases to total assets | 74.0560% | 1,718 |
Net loans and leases to deposits | 106.4643% | 346 |
Net loans and leases to core deposits | 124.5312% | 368 |
Total domestic deposits to total assets | 69.5595% | 5,913 |
Equity capital to assets | 10.5222% | 3,336 |
Core capital (leverage) ratio | 9.6026% | 4,042 |
Tier 1 risk-based capital ratio | 11.1057% | 5,467 |
Total risk-based capital ratio | 11.9521% | 5,593 |
Memoranda: | ||
Average total assets | $2,720,669,000 | 300 |
Average earning assets | $2,469,512,400 | 294 |
Average equity | $286,771,400 | 314 |
Average total loans | $1,984,913,200 | 289 |
2015-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0378% | 3,179 |
Cost of funding earning assets | 0.2996% | 4,344 |
Net interest margin | 3.7382% | 2,617 |
Noninterest income to average assets | 0.6502% | 2,482 |
Noninterest expense to average assets | 2.8040% | 3,173 |
Loan and lease loss provision to assets | 0.0059% | 4,147 |
Net operating income to assets | 0.8026% | 3,421 |
Return on assets (ROA) | 0.8026% | 3,515 |
Pretax return on assets | 1.2303% | 2,696 |
Return on Equity (ROE) | 7.6107% | 3,282 |
Retained earnings to average equity (ytd only) | 5.1750% | 2,792 |
Net charge-offs to loans | 0.0620% | 2,706 |
Credit loss provision to net charge-offs | 13.2013% | 3,423 |
Earnings coverage of net charge-offs (x) | 27.5335% | 1,580 |
Efficiency ratio | 67.7254% | 3,597 |
Assets per employee ($millions) | 5.4419% | 1,836 |
Cash dividends to net income (ytd only)* | 32.0039% | 2,708 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0474% | 4,484 |
Loan loss allowance to noncurrent loans | 305.1374% | 1,598 |
Noncurrent assets plus other real estate owned to assets | 0.3168% | 4,498 |
Noncurrent loans to loans | 0.3433% | 4,386 |
Net loans and leases to total assets | 72.7237% | 1,951 |
Net loans and leases to deposits | 100.4583% | 635 |
Net loans and leases to core deposits | 119.3606% | 493 |
Total domestic deposits to total assets | 72.3920% | 5,838 |
Equity capital to assets | 10.7145% | 3,344 |
Core capital (leverage) ratio | 9.4490% | 4,369 |
Tier 1 risk-based capital ratio | 11.2162% | 5,541 |
Total risk-based capital ratio | 12.0960% | 5,664 |
Memoranda: | ||
Average total assets | $2,699,275,000 | 308 |
Average earning assets | $2,447,870,250 | 302 |
Average equity | $284,644,500 | 320 |
Average total loans | $1,956,344,500 | 293 |
2015-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0278% | 3,173 |
Cost of funding earning assets | 0.2912% | 4,492 |
Net interest margin | 3.7367% | 2,557 |
Noninterest income to average assets | 0.6609% | 2,412 |
Noninterest expense to average assets | 2.8420% | 3,096 |
Loan and lease loss provision to assets | 0.0090% | 3,931 |
Net operating income to assets | 0.7751% | 3,511 |
Return on assets (ROA) | 0.7751% | 3,620 |
Pretax return on assets | 1.1962% | 2,792 |
Return on Equity (ROE) | 7.3914% | 3,378 |
Retained earnings to average equity (ytd only) | 4.1126% | 3,408 |
Net charge-offs to loans | 0.0951% | 2,069 |
Credit loss provision to net charge-offs | 13.0719% | 3,079 |
Earnings coverage of net charge-offs (x) | 17.5643% | 1,850 |
Efficiency ratio | 68.5425% | 3,588 |
Assets per employee ($millions) | 5.6541% | 1,614 |
Cash dividends to net income (ytd only)* | 44.3587% | 2,209 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0555% | 4,572 |
Loan loss allowance to noncurrent loans | 431.8946% | 1,180 |
Noncurrent assets plus other real estate owned to assets | 0.2549% | 4,852 |
Noncurrent loans to loans | 0.2444% | 4,783 |
Net loans and leases to total assets | 71.9692% | 1,984 |
Net loans and leases to deposits | 99.9662% | 659 |
Net loans and leases to core deposits | 120.5946% | 453 |
Total domestic deposits to total assets | 71.9935% | 5,937 |
Equity capital to assets | 10.4714% | 3,472 |
Core capital (leverage) ratio | 9.3080% | 4,538 |
Tier 1 risk-based capital ratio | 10.9578% | 5,736 |
Total risk-based capital ratio | 11.8355% | 5,837 |
Memoranda: | ||
Average total assets | $2,675,724,330 | 308 |
Average earning assets | $2,424,838,670 | 303 |
Average equity | $280,598,000 | 326 |
Average total loans | $1,929,887,000 | 295 |
2015-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9947% | 3,249 |
Cost of funding earning assets | 0.2787% | 4,683 |
Net interest margin | 3.7160% | 2,570 |
Noninterest income to average assets | 0.6368% | 2,465 |
Noninterest expense to average assets | 3.0324% | 2,478 |
Loan and lease loss provision to assets | 0.0158% | 3,521 |
Net operating income to assets | 0.6368% | 4,103 |
Return on assets (ROA) | 0.6368% | 4,226 |
Pretax return on assets | 0.9524% | 3,681 |
Return on Equity (ROE) | 6.0680% | 3,995 |
Retained earnings to average equity (ytd only) | 0.2613% | 5,283 |
Net charge-offs to loans | 0.0717% | 2,006 |
Credit loss provision to net charge-offs | 30.7692% | 2,272 |
Earnings coverage of net charge-offs (x) | 18.8018% | 1,474 |
Efficiency ratio | 74.1308% | 2,798 |
Assets per employee ($millions) | 5.6463% | 1,672 |
Cash dividends to net income (ytd only)* | 95.6938% | 743 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1164% | 4,432 |
Loan loss allowance to noncurrent loans | 372.1381% | 1,298 |
Noncurrent assets plus other real estate owned to assets | 0.3060% | 4,752 |
Noncurrent loans to loans | 0.3000% | 4,713 |
Net loans and leases to total assets | 70.9118% | 1,995 |
Net loans and leases to deposits | 95.3822% | 874 |
Net loans and leases to core deposits | 114.9472% | 549 |
Total domestic deposits to total assets | 74.3450% | 5,879 |
Equity capital to assets | 10.4811% | 3,555 |
Core capital (leverage) ratio | 9.4882% | 4,294 |
Tier 1 risk-based capital ratio | 10.8930% | 5,854 |
Total risk-based capital ratio | 11.8132% | 5,926 |
Memoranda: | ||
Average total assets | $2,625,500,500 | 310 |
Average earning assets | $2,376,620,000 | 305 |
Average equity | $275,545,500 | 326 |
Average total loans | $1,885,179,000 | 293 |
2014-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1861% | 2,993 |
Cost of funding earning assets | 0.2832% | 4,976 |
Net interest margin | 3.9029% | 2,230 |
Noninterest income to average assets | 0.7146% | 2,238 |
Noninterest expense to average assets | 3.1544% | 2,343 |
Loan and lease loss provision to assets | 0.0388% | 3,794 |
Net operating income to assets | 0.6642% | 4,067 |
Return on assets (ROA) | 0.6642% | 4,162 |
Pretax return on assets | 1.0347% | 3,371 |
Return on Equity (ROE) | 6.5110% | 3,895 |
Retained earnings to average equity (ytd only) | 6.5110% | 1,633 |
Net charge-offs to loans | 0.2041% | 2,033 |
Credit loss provision to net charge-offs | 26.5884% | 3,890 |
Earnings coverage of net charge-offs (x) | 7.3613% | 3,043 |
Efficiency ratio | 72.9485% | 3,048 |
Assets per employee ($millions) | 5.3351% | 1,920 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2213% | 3,873 |
Loan loss allowance to noncurrent loans | 333.5143% | 1,485 |
Noncurrent assets plus other real estate owned to assets | 0.3847% | 4,547 |
Noncurrent loans to loans | 0.3662% | 4,556 |
Net loans and leases to total assets | 71.0225% | 2,070 |
Net loans and leases to deposits | 97.2688% | 812 |
Net loans and leases to core deposits | 117.1876% | 495 |
Total domestic deposits to total assets | 73.0168% | 6,015 |
Equity capital to assets | 10.5100% | 3,466 |
Core capital (leverage) ratio | 8.9477% | 5,066 |
Tier 1 risk-based capital ratio | 10.8185% | 5,982 |
Total risk-based capital ratio | 11.9207% | 5,976 |
Memoranda: | ||
Average total assets | $2,277,344,400 | 330 |
Average earning assets | $2,050,022,000 | 330 |
Average equity | $232,313,400 | 354 |
Average total loans | $1,626,939,400 | 311 |
2014-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1861% | 3,041 |
Cost of funding earning assets | 0.2844% | 5,053 |
Net interest margin | 3.9017% | 2,238 |
Noninterest income to average assets | 0.7522% | 2,084 |
Noninterest expense to average assets | 3.2282% | 2,095 |
Loan and lease loss provision to assets | 0.0501% | 3,374 |
Net operating income to assets | 0.6584% | 4,172 |
Return on assets (ROA) | 0.6584% | 4,275 |
Pretax return on assets | 0.9808% | 3,672 |
Return on Equity (ROE) | 6.5105% | 3,958 |
Retained earnings to average equity (ytd only) | 6.5105% | 2,097 |
Net charge-offs to loans | 0.2430% | 1,581 |
Credit loss provision to net charge-offs | 28.9035% | 3,467 |
Earnings coverage of net charge-offs (x) | 5.9483% | 3,162 |
Efficiency ratio | 74.1359% | 2,800 |
Assets per employee ($millions) | 5.2954% | 1,905 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3050% | 3,615 |
Loan loss allowance to noncurrent loans | 281.9321% | 1,612 |
Noncurrent assets plus other real estate owned to assets | 0.4736% | 4,475 |
Noncurrent loans to loans | 0.4629% | 4,517 |
Net loans and leases to total assets | 69.7108% | 2,242 |
Net loans and leases to deposits | 92.8791% | 1,147 |
Net loans and leases to core deposits | 110.5062% | 722 |
Total domestic deposits to total assets | 75.0554% | 5,918 |
Equity capital to assets | 10.7254% | 3,263 |
Core capital (leverage) ratio | 8.9819% | 5,096 |
Tier 1 risk-based capital ratio | 11.1208% | 5,945 |
Total risk-based capital ratio | 12.3052% | 5,925 |
Memoranda: | ||
Average total assets | $2,217,135,250 | 336 |
Average earning assets | $1,992,780,000 | 335 |
Average equity | $224,226,250 | 361 |
Average total loans | $1,581,027,500 | 313 |
2014-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1777% | 3,039 |
Cost of funding earning assets | 0.2848% | 5,132 |
Net interest margin | 3.8928% | 2,197 |
Noninterest income to average assets | 0.7848% | 1,902 |
Noninterest expense to average assets | 3.4758% | 1,522 |
Loan and lease loss provision to assets | 0.0695% | 2,878 |
Net operating income to assets | 0.4965% | 4,824 |
Return on assets (ROA) | 0.4965% | 4,904 |
Pretax return on assets | 0.7352% | 4,519 |
Return on Equity (ROE) | 5.0252% | 4,660 |
Retained earnings to average equity (ytd only) | 5.0252% | 2,944 |
Net charge-offs to loans | 0.3065% | 1,322 |
Credit loss provision to net charge-offs | 31.6596% | 3,036 |
Earnings coverage of net charge-offs (x) | 3.6681% | 3,245 |
Efficiency ratio | 79.6179% | 2,076 |
Assets per employee ($millions) | 5.3701% | 1,813 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3245% | 3,730 |
Loan loss allowance to noncurrent loans | 190.1384% | 2,235 |
Noncurrent assets plus other real estate owned to assets | 0.6448% | 4,051 |
Noncurrent loans to loans | 0.6966% | 3,973 |
Net loans and leases to total assets | 70.4222% | 2,014 |
Net loans and leases to deposits | 91.7675% | 1,177 |
Net loans and leases to core deposits | 112.1368% | 594 |
Total domestic deposits to total assets | 76.7399% | 5,824 |
Equity capital to assets | 10.6109% | 3,299 |
Core capital (leverage) ratio | 8.6797% | 5,433 |
Tier 1 risk-based capital ratio | 10.9134% | 6,085 |
Total risk-based capital ratio | 12.1582% | 6,034 |
Memoranda: | ||
Average total assets | $2,142,454,000 | 342 |
Average earning assets | $1,923,892,670 | 342 |
Average equity | $211,692,670 | 379 |
Average total loans | $1,533,281,000 | 318 |
2014-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0300% | 3,567 |
Cost of funding earning assets | 0.2829% | 5,243 |
Net interest margin | 3.7471% | 2,690 |
Noninterest income to average assets | 0.8154% | 1,690 |
Noninterest expense to average assets | 3.0301% | 2,767 |
Loan and lease loss provision to assets | 0.0288% | 3,450 |
Net operating income to assets | 0.7356% | 3,511 |
Return on assets (ROA) | 0.7356% | 3,592 |
Pretax return on assets | 1.1156% | 2,830 |
Return on Equity (ROE) | 7.7940% | 3,047 |
Retained earnings to average equity (ytd only) | 7.7940% | 1,688 |
Net charge-offs to loans | 0.0723% | 2,424 |
Credit loss provision to net charge-offs | 55.5985% | 2,148 |
Earnings coverage of net charge-offs (x) | 22.0927% | 1,268 |
Efficiency ratio | 71.2931% | 3,613 |
Assets per employee ($millions) | 4.5153% | 2,949 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6883% | 2,394 |
Loan loss allowance to noncurrent loans | 192.0538% | 2,165 |
Noncurrent assets plus other real estate owned to assets | 0.9014% | 3,484 |
Noncurrent loans to loans | 0.8791% | 3,688 |
Net loans and leases to total assets | 69.8723% | 1,911 |
Net loans and leases to deposits | 87.4236% | 1,427 |
Net loans and leases to core deposits | 105.3563% | 780 |
Total domestic deposits to total assets | 79.9238% | 5,502 |
Equity capital to assets | 9.4079% | 4,617 |
Core capital (leverage) ratio | 8.2104% | 5,935 |
Tier 1 risk-based capital ratio | 10.0062% | 6,477 |
Total risk-based capital ratio | 11.2659% | 6,448 |
Memoranda: | ||
Average total assets | $2,000,045,000 | 363 |
Average earning assets | $1,792,939,000 | 366 |
Average equity | $188,761,000 | 415 |
Average total loans | $1,433,780,000 | 330 |
2013-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2955% | 2,978 |
Cost of funding earning assets | 0.3239% | 5,389 |
Net interest margin | 3.9716% | 2,031 |
Noninterest income to average assets | 0.9808% | 1,438 |
Noninterest expense to average assets | 3.4239% | 1,828 |
Loan and lease loss provision to assets | 0.1510% | 2,392 |
Net operating income to assets | 1.1567% | 1,730 |
Return on assets (ROA) | 1.1980% | 1,640 |
Pretax return on assets | 1.0176% | 3,279 |
Return on Equity (ROE) | 12.0397% | 1,409 |
Retained earnings to average equity (ytd only) | 12.0397% | 316 |
Net charge-offs to loans | 0.3827% | 1,761 |
Credit loss provision to net charge-offs | 56.4033% | 3,663 |
Earnings coverage of net charge-offs (x) | 4.2109% | 3,636 |
Efficiency ratio | 74.2338% | 3,097 |
Assets per employee ($millions) | 4.3734% | 3,131 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7286% | 2,309 |
Loan loss allowance to noncurrent loans | 250.6637% | 1,731 |
Noncurrent assets plus other real estate owned to assets | 0.9074% | 3,615 |
Noncurrent loans to loans | 0.6896% | 4,247 |
Net loans and leases to total assets | 71.0752% | 1,826 |
Net loans and leases to deposits | 89.4707% | 1,284 |
Net loans and leases to core deposits | 103.9444% | 913 |
Total domestic deposits to total assets | 79.4396% | 5,569 |
Equity capital to assets | 9.4689% | 4,474 |
Core capital (leverage) ratio | 8.0274% | 6,112 |
Tier 1 risk-based capital ratio | 10.0669% | 6,502 |
Total risk-based capital ratio | 11.3251% | 6,461 |
Memoranda: | ||
Average total assets | $1,782,197,000 | 389 |
Average earning assets | $1,602,122,600 | 395 |
Average equity | $177,338,200 | 430 |
Average total loans | $1,246,633,600 | 358 |
2013-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2883% | 3,043 |
Cost of funding earning assets | 0.3127% | 5,614 |
Net interest margin | 3.9756% | 2,021 |
Noninterest income to average assets | 1.0270% | 1,380 |
Noninterest expense to average assets | 3.2722% | 2,139 |
Loan and lease loss provision to assets | 0.1573% | 2,294 |
Net operating income to assets | 1.4624% | 961 |
Return on assets (ROA) | 1.5189% | 915 |
Pretax return on assets | 1.2318% | 2,576 |
Return on Equity (ROE) | 15.0585% | 790 |
Retained earnings to average equity (ytd only) | 15.0585% | 198 |
Net charge-offs to loans | 0.3650% | 1,737 |
Credit loss provision to net charge-offs | 62.2040% | 3,250 |
Earnings coverage of net charge-offs (x) | 5.2699% | 3,235 |
Efficiency ratio | 70.1620% | 3,736 |
Assets per employee ($millions) | 4.2274% | 3,371 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9987% | 1,721 |
Loan loss allowance to noncurrent loans | 272.7810% | 1,495 |
Noncurrent assets plus other real estate owned to assets | 0.6664% | 4,442 |
Noncurrent loans to loans | 0.7327% | 4,387 |
Net loans and leases to total assets | 69.1177% | 2,116 |
Net loans and leases to deposits | 87.7626% | 1,395 |
Net loans and leases to core deposits | 102.3671% | 969 |
Total domestic deposits to total assets | 78.7553% | 5,794 |
Equity capital to assets | 10.0859% | 3,785 |
Core capital (leverage) ratio | 9.1133% | 4,950 |
Tier 1 risk-based capital ratio | 11.3776% | 6,108 |
Total risk-based capital ratio | 12.6461% | 6,071 |
Memoranda: | ||
Average total assets | $1,736,828,500 | 397 |
Average earning assets | $1,563,034,250 | 406 |
Average equity | $175,188,250 | 434 |
Average total loans | $1,203,233,750 | 371 |
2013-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2890% | 3,001 |
Cost of funding earning assets | 0.3151% | 5,715 |
Net interest margin | 3.9739% | 1,953 |
Noninterest income to average assets | 1.0887% | 1,292 |
Noninterest expense to average assets | 3.2911% | 2,096 |
Loan and lease loss provision to assets | 0.2350% | 1,581 |
Net operating income to assets | 1.9108% | 418 |
Return on assets (ROA) | 1.9432% | 424 |
Pretax return on assets | 1.1737% | 2,792 |
Return on Equity (ROE) | 19.2649% | 361 |
Retained earnings to average equity (ytd only) | 19.2649% | 100 |
Net charge-offs to loans | 0.3812% | 1,692 |
Credit loss provision to net charge-offs | 89.5602% | 2,456 |
Earnings coverage of net charge-offs (x) | 5.2443% | 2,935 |
Efficiency ratio | 69.6058% | 3,906 |
Assets per employee ($millions) | 4.0769% | 3,633 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1893% | 1,444 |
Loan loss allowance to noncurrent loans | 235.0401% | 1,727 |
Noncurrent assets plus other real estate owned to assets | 0.9105% | 3,966 |
Noncurrent loans to loans | 0.9315% | 4,062 |
Net loans and leases to total assets | 68.2188% | 2,194 |
Net loans and leases to deposits | 85.9425% | 1,580 |
Net loans and leases to core deposits | 95.4939% | 1,399 |
Total domestic deposits to total assets | 79.3773% | 5,737 |
Equity capital to assets | 10.3650% | 3,475 |
Core capital (leverage) ratio | 9.1244% | 4,794 |
Tier 1 risk-based capital ratio | 11.1230% | 6,281 |
Total risk-based capital ratio | 12.3992% | 6,241 |
Memoranda: | ||
Average total assets | $1,715,481,330 | 403 |
Average earning assets | $1,544,889,000 | 408 |
Average equity | $173,039,670 | 436 |
Average total loans | $1,180,943,330 | 375 |
2013-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2610% | 3,053 |
Cost of funding earning assets | 0.3251% | 5,760 |
Net interest margin | 3.9359% | 1,997 |
Noninterest income to average assets | 1.0732% | 1,290 |
Noninterest expense to average assets | 3.3048% | 2,078 |
Loan and lease loss provision to assets | 0.2291% | 1,597 |
Net operating income to assets | 1.0903% | 1,898 |
Return on assets (ROA) | 1.1390% | 1,833 |
Pretax return on assets | 1.1390% | 2,820 |
Return on Equity (ROE) | 11.4511% | 1,573 |
Retained earnings to average equity (ytd only) | 11.4511% | 789 |
Net charge-offs to loans | 0.5278% | 1,143 |
Credit loss provision to net charge-offs | 63.4890% | 2,381 |
Earnings coverage of net charge-offs (x) | 3.6556% | 2,710 |
Efficiency ratio | 70.5457% | 3,883 |
Assets per employee ($millions) | 4.0923% | 3,754 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.2235% | 1,540 |
Loan loss allowance to noncurrent loans | 163.5115% | 2,225 |
Noncurrent assets plus other real estate owned to assets | 1.2115% | 3,543 |
Noncurrent loans to loans | 1.3599% | 3,527 |
Net loans and leases to total assets | 67.0105% | 2,193 |
Net loans and leases to deposits | 81.5310% | 1,892 |
Net loans and leases to core deposits | 91.3064% | 1,576 |
Total domestic deposits to total assets | 82.1903% | 5,130 |
Equity capital to assets | 10.0763% | 4,047 |
Core capital (leverage) ratio | 9.1798% | 4,599 |
Tier 1 risk-based capital ratio | 11.4738% | 6,200 |
Total risk-based capital ratio | 12.7621% | 6,149 |
Memoranda: | ||
Average total assets | $1,708,926,500 | 408 |
Average earning assets | $1,541,797,500 | 410 |
Average equity | $169,975,500 | 451 |
Average total loans | $1,168,605,500 | 380 |
2012-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6114% | 2,954 |
Cost of funding earning assets | 0.4547% | 5,545 |
Net interest margin | 4.1567% | 1,792 |
Noninterest income to average assets | 0.1343% | 6,366 |
Noninterest expense to average assets | 3.3415% | 2,216 |
Loan and lease loss provision to assets | 2.0759% | 87 |
Net operating income to assets | -1.4348% | 6,844 |
Return on assets (ROA) | -1.4346% | 6,852 |
Pretax return on assets | -1.5773% | 6,870 |
Return on Equity (ROE) | -13.8624% | 6,807 |
Retained earnings to average equity (ytd only) | -13.8624% | 6,751 |
Net charge-offs to loans | 3.2303% | 139 |
Credit loss provision to net charge-offs | 94.1900% | 3,307 |
Earnings coverage of net charge-offs (x) | 0.2262% | 5,365 |
Efficiency ratio | 85.9262% | 1,437 |
Assets per employee ($millions) | 4.0266% | 3,892 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.2861% | 1,392 |
Loan loss allowance to noncurrent loans | 151.6860% | 2,351 |
Noncurrent assets plus other real estate owned to assets | 1.3420% | 3,392 |
Noncurrent loans to loans | 1.5071% | 3,342 |
Net loans and leases to total assets | 66.6704% | 2,426 |
Net loans and leases to deposits | 82.1030% | 1,982 |
Net loans and leases to core deposits | 90.7178% | 1,753 |
Total domestic deposits to total assets | 81.2033% | 5,339 |
Equity capital to assets | 9.8161% | 4,425 |
Core capital (leverage) ratio | 8.8406% | 5,113 |
Tier 1 risk-based capital ratio | 11.0896% | 6,316 |
Total risk-based capital ratio | 12.3757% | 6,269 |
Memoranda: | ||
Average total assets | $1,729,019,800 | 396 |
Average earning assets | $1,541,396,000 | 400 |
Average equity | $178,937,600 | 420 |
Average total loans | $1,179,668,800 | 372 |
2012-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6806% | 2,886 |
Cost of funding earning assets | 0.4857% | 5,536 |
Net interest margin | 4.1950% | 1,753 |
Noninterest income to average assets | -0.1871% | 7,067 |
Noninterest expense to average assets | 3.3674% | 2,094 |
Loan and lease loss provision to assets | 2.6662% | 54 |
Net operating income to assets | -2.2748% | 7,069 |
Return on assets (ROA) | -2.2746% | 7,073 |
Pretax return on assets | -2.4876% | 7,077 |
Return on Equity (ROE) | -21.7032% | 7,009 |
Retained earnings to average equity (ytd only) | -21.7032% | 6,994 |
Net charge-offs to loans | 3.2125% | 158 |
Credit loss provision to net charge-offs | 121.6470% | 2,380 |
Earnings coverage of net charge-offs (x) | 0.0814% | 5,297 |
Efficiency ratio | 93.7866% | 792 |
Assets per employee ($millions) | 4.0202% | 3,826 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.9780% | 730 |
Loan loss allowance to noncurrent loans | 152.6816% | 2,253 |
Noncurrent assets plus other real estate owned to assets | 1.9502% | 2,713 |
Noncurrent loans to loans | 1.9505% | 2,897 |
Net loans and leases to total assets | 66.6123% | 2,539 |
Net loans and leases to deposits | 81.9422% | 2,124 |
Net loans and leases to core deposits | 93.0707% | 1,680 |
Total domestic deposits to total assets | 81.2918% | 5,268 |
Equity capital to assets | 9.4851% | 5,224 |
Core capital (leverage) ratio | 8.4341% | 5,848 |
Tier 1 risk-based capital ratio | 10.6298% | 6,621 |
Total risk-based capital ratio | 11.9258% | 6,598 |
Memoranda: | ||
Average total assets | $1,734,452,750 | 396 |
Average earning assets | $1,543,397,250 | 397 |
Average equity | $181,774,750 | 410 |
Average total loans | $1,183,364,750 | 371 |
2012-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7612% | 2,675 |
Cost of funding earning assets | 0.5281% | 5,440 |
Net interest margin | 4.2332% | 1,659 |
Noninterest income to average assets | 0.4574% | 4,236 |
Noninterest expense to average assets | 3.1334% | 2,809 |
Loan and lease loss provision to assets | 0.6663% | 852 |
Net operating income to assets | 0.3121% | 5,576 |
Return on assets (ROA) | 0.3121% | 5,781 |
Pretax return on assets | 0.4188% | 5,664 |
Return on Equity (ROE) | 2.8881% | 5,733 |
Retained earnings to average equity (ytd only) | 2.8881% | 4,707 |
Net charge-offs to loans | 1.5880% | 596 |
Credit loss provision to net charge-offs | 61.6291% | 3,752 |
Earnings coverage of net charge-offs (x) | 1.0036% | 4,523 |
Efficiency ratio | 73.2892% | 3,194 |
Assets per employee ($millions) | 4.1598% | 3,543 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1595% | 1,864 |
Loan loss allowance to noncurrent loans | 85.6740% | 3,594 |
Noncurrent assets plus other real estate owned to assets | 3.0874% | 1,774 |
Noncurrent loans to loans | 2.5206% | 2,395 |
Net loans and leases to total assets | 65.4299% | 2,783 |
Net loans and leases to deposits | 78.7047% | 2,560 |
Net loans and leases to core deposits | 89.5582% | 2,027 |
Total domestic deposits to total assets | 83.1334% | 4,702 |
Equity capital to assets | 10.9798% | 3,143 |
Core capital (leverage) ratio | 10.4857% | 2,821 |
Tier 1 risk-based capital ratio | 13.2441% | 5,005 |
Total risk-based capital ratio | 14.5237% | 4,951 |
Memoranda: | ||
Average total assets | $1,741,735,330 | 397 |
Average earning assets | $1,547,545,330 | 395 |
Average equity | $188,219,000 | 390 |
Average total loans | $1,185,879,330 | 371 |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8063% | 2,616 |
Cost of funding earning assets | 0.5753% | 5,316 |
Net interest margin | 4.2310% | 1,672 |
Noninterest income to average assets | 0.6889% | 2,717 |
Noninterest expense to average assets | 3.1224% | 2,842 |
Loan and lease loss provision to assets | 0.7919% | 628 |
Net operating income to assets | 0.3830% | 5,332 |
Return on assets (ROA) | 0.3830% | 5,512 |
Pretax return on assets | 0.5249% | 5,351 |
Return on Equity (ROE) | 3.5727% | 5,474 |
Retained earnings to average equity (ytd only) | 3.5727% | 4,433 |
Net charge-offs to loans | 1.4629% | 686 |
Credit loss provision to net charge-offs | 78.8052% | 2,741 |
Earnings coverage of net charge-offs (x) | 1.3104% | 3,678 |
Efficiency ratio | 69.3938% | 3,917 |
Assets per employee ($millions) | 4.2141% | 3,549 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.3632% | 1,569 |
Loan loss allowance to noncurrent loans | 75.2953% | 3,841 |
Noncurrent assets plus other real estate owned to assets | 3.8466% | 1,452 |
Noncurrent loans to loans | 3.1386% | 2,043 |
Net loans and leases to total assets | 66.1122% | 2,452 |
Net loans and leases to deposits | 79.3781% | 2,288 |
Net loans and leases to core deposits | 86.6975% | 2,211 |
Total domestic deposits to total assets | 83.2878% | 4,818 |
Equity capital to assets | 10.8129% | 3,128 |
Core capital (leverage) ratio | 10.4157% | 2,854 |
Tier 1 risk-based capital ratio | 12.9216% | 5,266 |
Total risk-based capital ratio | 14.1956% | 5,223 |
Memoranda: | ||
Average total assets | $1,739,042,500 | 397 |
Average earning assets | $1,541,471,500 | 397 |
Average equity | $186,413,000 | 389 |
Average total loans | $1,194,633,500 | 366 |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0834% | 2,514 |
Cost of funding earning assets | 0.7588% | 5,146 |
Net interest margin | 4.3247% | 1,621 |
Noninterest income to average assets | 0.6349% | 2,977 |
Noninterest expense to average assets | 3.3404% | 2,388 |
Loan and lease loss provision to assets | 0.9591% | 1,002 |
Net operating income to assets | 0.1444% | 5,754 |
Return on assets (ROA) | 0.2300% | 5,631 |
Pretax return on assets | 0.3129% | 5,525 |
Return on Equity (ROE) | 2.1924% | 5,585 |
Retained earnings to average equity (ytd only) | 2.1924% | 4,650 |
Net charge-offs to loans | 1.3148% | 1,255 |
Credit loss provision to net charge-offs | 100.5451% | 3,471 |
Earnings coverage of net charge-offs (x) | 1.2121% | 4,875 |
Efficiency ratio | 73.3653% | 3,331 |
Assets per employee ($millions) | 4.0691% | 3,711 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.3879% | 1,478 |
Loan loss allowance to noncurrent loans | 87.0683% | 3,433 |
Noncurrent assets plus other real estate owned to assets | 3.6757% | 1,598 |
Noncurrent loans to loans | 2.7426% | 2,377 |
Net loans and leases to total assets | 68.0197% | 2,389 |
Net loans and leases to deposits | 82.8170% | 2,090 |
Net loans and leases to core deposits | 89.7489% | 2,158 |
Total domestic deposits to total assets | 82.1326% | 5,085 |
Equity capital to assets | 10.6251% | 3,393 |
Core capital (leverage) ratio | 10.3987% | 2,844 |
Tier 1 risk-based capital ratio | 12.9619% | 5,097 |
Total risk-based capital ratio | 14.2367% | 5,059 |
Memoranda: | ||
Average total assets | $1,750,158,600 | 381 |
Average earning assets | $1,562,822,200 | 382 |
Average equity | $183,631,800 | 384 |
Average total loans | $1,269,741,600 | 339 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1193% | 2,515 |
Cost of funding earning assets | 0.7978% | 5,165 |
Net interest margin | 4.3216% | 1,633 |
Noninterest income to average assets | 0.6230% | 3,040 |
Noninterest expense to average assets | 3.2973% | 2,500 |
Loan and lease loss provision to assets | 0.9530% | 924 |
Net operating income to assets | 0.1873% | 5,733 |
Return on assets (ROA) | 0.3074% | 5,543 |
Pretax return on assets | 0.3929% | 5,493 |
Return on Equity (ROE) | 2.9392% | 5,448 |
Retained earnings to average equity (ytd only) | 2.9392% | 4,592 |
Net charge-offs to loans | 1.4049% | 1,061 |
Credit loss provision to net charge-offs | 92.5934% | 3,680 |
Earnings coverage of net charge-offs (x) | 1.1581% | 4,753 |
Efficiency ratio | 72.5270% | 3,450 |
Assets per employee ($millions) | 3.8859% | 4,105 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.2672% | 1,741 |
Loan loss allowance to noncurrent loans | 76.4568% | 3,698 |
Noncurrent assets plus other real estate owned to assets | 3.6961% | 1,693 |
Noncurrent loans to loans | 2.9654% | 2,344 |
Net loans and leases to total assets | 70.4423% | 1,992 |
Net loans and leases to deposits | 85.4952% | 1,755 |
Net loans and leases to core deposits | 92.5137% | 1,935 |
Total domestic deposits to total assets | 82.3932% | 4,928 |
Equity capital to assets | 10.9619% | 3,182 |
Core capital (leverage) ratio | 10.3240% | 3,064 |
Tier 1 risk-based capital ratio | 13.1112% | 5,012 |
Total risk-based capital ratio | 14.3800% | 4,981 |
Memoranda: | ||
Average total assets | $1,754,340,250 | 381 |
Average earning assets | $1,569,511,500 | 382 |
Average equity | $183,495,000 | 390 |
Average total loans | $1,285,197,000 | 335 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1364% | 2,527 |
Cost of funding earning assets | 0.8371% | 5,146 |
Net interest margin | 4.2992% | 1,657 |
Noninterest income to average assets | 0.5600% | 3,400 |
Noninterest expense to average assets | 3.2331% | 2,797 |
Loan and lease loss provision to assets | 1.0257% | 841 |
Net operating income to assets | 0.1235% | 5,952 |
Return on assets (ROA) | 0.3026% | 5,502 |
Pretax return on assets | 0.3730% | 5,477 |
Return on Equity (ROE) | 2.9385% | 5,417 |
Retained earnings to average equity (ytd only) | 2.9385% | 4,410 |
Net charge-offs to loans | 1.5021% | 988 |
Credit loss provision to net charge-offs | 92.7289% | 3,385 |
Earnings coverage of net charge-offs (x) | 1.0646% | 4,491 |
Efficiency ratio | 72.3723% | 3,657 |
Assets per employee ($millions) | 3.7052% | 4,430 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.2485% | 1,822 |
Loan loss allowance to noncurrent loans | 71.2960% | 3,885 |
Noncurrent assets plus other real estate owned to assets | 3.7519% | 1,736 |
Noncurrent loans to loans | 3.1538% | 2,277 |
Net loans and leases to total assets | 70.2993% | 2,158 |
Net loans and leases to deposits | 85.1587% | 1,919 |
Net loans and leases to core deposits | 93.3670% | 1,976 |
Total domestic deposits to total assets | 82.5509% | 4,965 |
Equity capital to assets | 10.6480% | 3,336 |
Core capital (leverage) ratio | 9.9396% | 3,339 |
Tier 1 risk-based capital ratio | 13.1067% | 4,833 |
Total risk-based capital ratio | 14.3773% | 4,796 |
Memoranda: | ||
Average total assets | $1,773,076,670 | 384 |
Average earning assets | $1,588,044,670 | 382 |
Average equity | $182,610,670 | 391 |
Average total loans | $1,305,612,000 | 339 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2141% | 2,173 |
Cost of funding earning assets | 0.8513% | 5,263 |
Net interest margin | 4.3629% | 1,384 |
Noninterest income to average assets | 0.5732% | 3,351 |
Noninterest expense to average assets | 3.1762% | 2,979 |
Loan and lease loss provision to assets | 1.3551% | 492 |
Net operating income to assets | -0.0421% | 6,404 |
Return on assets (ROA) | 0.2861% | 5,548 |
Pretax return on assets | 0.3827% | 5,393 |
Return on Equity (ROE) | 2.8238% | 5,456 |
Retained earnings to average equity (ytd only) | 2.8238% | 4,474 |
Net charge-offs to loans | 1.7287% | 763 |
Credit loss provision to net charge-offs | 105.2695% | 2,531 |
Earnings coverage of net charge-offs (x) | 1.0101% | 3,904 |
Efficiency ratio | 70.0464% | 4,260 |
Assets per employee ($millions) | 3.6472% | 4,657 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1811% | 2,005 |
Loan loss allowance to noncurrent loans | 68.4419% | 3,992 |
Noncurrent assets plus other real estate owned to assets | 3.8646% | 1,729 |
Noncurrent loans to loans | 3.1868% | 2,354 |
Net loans and leases to total assets | 73.2180% | 1,478 |
Net loans and leases to deposits | 89.2239% | 1,327 |
Net loans and leases to core deposits | 95.9825% | 1,674 |
Total domestic deposits to total assets | 82.0610% | 5,286 |
Equity capital to assets | 10.1772% | 3,562 |
Core capital (leverage) ratio | 9.6075% | 3,653 |
Tier 1 risk-based capital ratio | 12.3559% | 5,390 |
Total risk-based capital ratio | 13.6228% | 5,363 |
Memoranda: | ||
Average total assets | $1,792,606,000 | 382 |
Average earning assets | $1,603,716,000 | 381 |
Average equity | $181,597,000 | 391 |
Average total loans | $1,334,897,000 | 336 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2410% | 3,404 |
Cost of funding earning assets | 1.1648% | 4,769 |
Net interest margin | 4.0762% | 2,677 |
Noninterest income to average assets | 0.8352% | 2,121 |
Noninterest expense to average assets | 3.3861% | 2,473 |
Loan and lease loss provision to assets | 1.1194% | 1,426 |
Net operating income to assets | 0.0251% | 5,764 |
Return on assets (ROA) | 0.2166% | 5,379 |
Pretax return on assets | 0.2046% | 5,483 |
Return on Equity (ROE) | 2.2556% | 5,278 |
Retained earnings to average equity (ytd only) | 2.2556% | 4,301 |
Net charge-offs to loans | 2.0166% | 999 |
Credit loss provision to net charge-offs | 74.9841% | 5,735 |
Earnings coverage of net charge-offs (x) | 0.7586% | 5,363 |
Efficiency ratio | 74.0925% | 3,381 |
Assets per employee ($millions) | 3.6920% | 4,486 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1496% | 1,962 |
Loan loss allowance to noncurrent loans | 66.5471% | 4,067 |
Noncurrent assets plus other real estate owned to assets | 3.8731% | 1,763 |
Noncurrent loans to loans | 3.2302% | 2,347 |
Net loans and leases to total assets | 72.4959% | 1,984 |
Net loans and leases to deposits | 89.6901% | 1,569 |
Net loans and leases to core deposits | 97.0198% | 1,889 |
Total domestic deposits to total assets | 80.8293% | 5,578 |
Equity capital to assets | 10.0841% | 3,640 |
Core capital (leverage) ratio | 9.3309% | 3,959 |
Tier 1 risk-based capital ratio | 11.4105% | 5,985 |
Total risk-based capital ratio | 12.6928% | 5,951 |
Memoranda: | ||
Average total assets | $1,898,538,800 | 369 |
Average earning assets | $1,715,575,200 | 365 |
Average equity | $182,350,000 | 381 |
Average total loans | $1,405,449,000 | 334 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2683% | 3,496 |
Cost of funding earning assets | 1.2238% | 4,722 |
Net interest margin | 4.0445% | 2,885 |
Noninterest income to average assets | 0.8145% | 2,158 |
Noninterest expense to average assets | 3.3580% | 2,406 |
Loan and lease loss provision to assets | 1.1528% | 1,258 |
Net operating income to assets | -0.0377% | 6,076 |
Return on assets (ROA) | 0.1945% | 5,683 |
Pretax return on assets | 0.2119% | 5,703 |
Return on Equity (ROE) | 2.0487% | 5,587 |
Retained earnings to average equity (ytd only) | 2.0487% | 4,932 |
Net charge-offs to loans | 1.5846% | 1,249 |
Credit loss provision to net charge-offs | 98.2904% | 4,430 |
Earnings coverage of net charge-offs (x) | 0.9484% | 5,111 |
Efficiency ratio | 74.2721% | 3,274 |
Assets per employee ($millions) | 3.7599% | 4,369 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.5887% | 1,220 |
Loan loss allowance to noncurrent loans | 77.0317% | 3,490 |
Noncurrent assets plus other real estate owned to assets | 4.0688% | 1,708 |
Noncurrent loans to loans | 3.3606% | 2,370 |
Net loans and leases to total assets | 71.8848% | 2,275 |
Net loans and leases to deposits | 88.1464% | 1,990 |
Net loans and leases to core deposits | 98.0702% | 2,035 |
Total domestic deposits to total assets | 81.5516% | 5,181 |
Equity capital to assets | 9.9200% | 4,264 |
Core capital (leverage) ratio | 9.0053% | 4,684 |
Tier 1 risk-based capital ratio | 11.3396% | 6,064 |
Total risk-based capital ratio | 12.6273% | 6,018 |
Memoranda: | ||
Average total assets | $1,921,828,250 | 361 |
Average earning assets | $1,737,180,750 | 358 |
Average equity | $182,423,250 | 378 |
Average total loans | $1,422,416,250 | 333 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2618% | 3,642 |
Cost of funding earning assets | 1.2959% | 4,564 |
Net interest margin | 3.9659% | 3,182 |
Noninterest income to average assets | 0.7911% | 2,167 |
Noninterest expense to average assets | 3.3123% | 2,525 |
Loan and lease loss provision to assets | 0.8909% | 1,638 |
Net operating income to assets | 0.1617% | 5,687 |
Return on assets (ROA) | 0.1617% | 5,807 |
Pretax return on assets | 0.1757% | 5,831 |
Return on Equity (ROE) | 1.7282% | 5,719 |
Retained earnings to average equity (ytd only) | 1.7282% | 5,008 |
Net charge-offs to loans | 1.5865% | 1,192 |
Credit loss provision to net charge-offs | 75.7995% | 4,817 |
Earnings coverage of net charge-offs (x) | 0.9075% | 4,863 |
Efficiency ratio | 74.7883% | 3,307 |
Assets per employee ($millions) | 3.8123% | 4,195 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.3318% | 1,536 |
Loan loss allowance to noncurrent loans | 61.1773% | 4,271 |
Noncurrent assets plus other real estate owned to assets | 4.1492% | 1,634 |
Noncurrent loans to loans | 3.8115% | 2,022 |
Net loans and leases to total assets | 71.8292% | 2,448 |
Net loans and leases to deposits | 88.8531% | 2,024 |
Net loans and leases to core deposits | 99.9677% | 2,019 |
Total domestic deposits to total assets | 80.8404% | 5,458 |
Equity capital to assets | 9.5307% | 4,661 |
Core capital (leverage) ratio | 8.6716% | 5,126 |
Tier 1 risk-based capital ratio | 10.8158% | 6,438 |
Total risk-based capital ratio | 12.0950% | 6,398 |
Memoranda: | ||
Average total assets | $1,942,059,330 | 355 |
Average earning assets | $1,756,883,000 | 352 |
Average equity | $181,689,330 | 382 |
Average total loans | $1,438,746,000 | 332 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2836% | 3,623 |
Cost of funding earning assets | 1.3413% | 4,554 |
Net interest margin | 3.9424% | 3,141 |
Noninterest income to average assets | 0.7035% | 2,573 |
Noninterest expense to average assets | 3.3701% | 2,313 |
Loan and lease loss provision to assets | 0.7643% | 1,659 |
Net operating income to assets | 0.1092% | 5,997 |
Return on assets (ROA) | 0.1092% | 6,103 |
Pretax return on assets | 0.1304% | 6,060 |
Return on Equity (ROE) | 1.1782% | 6,072 |
Retained earnings to average equity (ytd only) | 1.1782% | 5,348 |
Net charge-offs to loans | 1.1160% | 1,507 |
Credit loss provision to net charge-offs | 92.1079% | 3,615 |
Earnings coverage of net charge-offs (x) | 1.0782% | 4,117 |
Efficiency ratio | 78.1468% | 2,868 |
Assets per employee ($millions) | 3.8060% | 4,295 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.4765% | 1,332 |
Loan loss allowance to noncurrent loans | 65.2871% | 4,100 |
Noncurrent assets plus other real estate owned to assets | 4.2883% | 1,585 |
Noncurrent loans to loans | 3.7932% | 2,084 |
Net loans and leases to total assets | 71.6485% | 2,534 |
Net loans and leases to deposits | 90.0065% | 1,900 |
Net loans and leases to core deposits | 101.7188% | 1,950 |
Total domestic deposits to total assets | 79.6037% | 5,912 |
Equity capital to assets | 9.2744% | 4,874 |
Core capital (leverage) ratio | 8.5596% | 5,277 |
Tier 1 risk-based capital ratio | 10.5789% | 6,558 |
Total risk-based capital ratio | 11.8609% | 6,523 |
Memoranda: | ||
Average total assets | $1,948,564,500 | 368 |
Average earning assets | $1,760,149,000 | 363 |
Average equity | $180,608,500 | 386 |
Average total loans | $1,448,768,500 | 339 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2945% | 5,198 |
Cost of funding earning assets | 2.0716% | 2,618 |
Net interest margin | 3.2228% | 6,018 |
Noninterest income to average assets | 0.9161% | 1,883 |
Noninterest expense to average assets | 3.3666% | 2,785 |
Loan and lease loss provision to assets | 1.7484% | 1,302 |
Net operating income to assets | -0.7120% | 6,378 |
Return on assets (ROA) | -0.6998% | 6,360 |
Pretax return on assets | -1.2475% | 6,571 |
Return on Equity (ROE) | -7.9112% | 6,462 |
Retained earnings to average equity (ytd only) | -7.9112% | 6,341 |
Net charge-offs to loans | 2.3294% | 998 |
Credit loss provision to net charge-offs | 100.1036% | 5,509 |
Earnings coverage of net charge-offs (x) | 0.2759% | 5,835 |
Efficiency ratio | 86.5383% | 2,052 |
Assets per employee ($millions) | 3.9365% | 3,941 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.4498% | 1,291 |
Loan loss allowance to noncurrent loans | 63.0972% | 4,235 |
Noncurrent assets plus other real estate owned to assets | 4.3269% | 1,509 |
Noncurrent loans to loans | 3.8826% | 1,913 |
Net loans and leases to total assets | 73.3935% | 2,408 |
Net loans and leases to deposits | 94.5673% | 1,518 |
Net loans and leases to core deposits | 115.8510% | 2,335 |
Total domestic deposits to total assets | 77.6099% | 6,320 |
Equity capital to assets | 9.2632% | 4,750 |
Core capital (leverage) ratio | 8.4267% | 5,395 |
Tier 1 risk-based capital ratio | 10.3753% | 6,516 |
Total risk-based capital ratio | 11.6520% | 6,466 |
Memoranda: | ||
Average total assets | $2,044,703,200 | 348 |
Average earning assets | $1,860,438,200 | 342 |
Average equity | $180,869,800 | 378 |
Average total loans | $1,533,117,400 | 329 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2701% | 5,569 |
Cost of funding earning assets | 2.2044% | 2,396 |
Net interest margin | 3.0658% | 6,416 |
Noninterest income to average assets | 0.9173% | 1,914 |
Noninterest expense to average assets | 3.4374% | 2,456 |
Loan and lease loss provision to assets | 1.9441% | 940 |
Net operating income to assets | -0.9234% | 6,777 |
Return on assets (ROA) | -0.9234% | 6,781 |
Pretax return on assets | -1.6698% | 7,036 |
Return on Equity (ROE) | -10.5558% | 6,932 |
Retained earnings to average equity (ytd only) | -10.5558% | 6,857 |
Net charge-offs to loans | 2.3287% | 805 |
Credit loss provision to net charge-offs | 111.4315% | 4,564 |
Earnings coverage of net charge-offs (x) | 0.1572% | 5,869 |
Efficiency ratio | 91.6396% | 1,568 |
Assets per employee ($millions) | 3.9135% | 3,905 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.6005% | 966 |
Loan loss allowance to noncurrent loans | 68.8909% | 3,865 |
Noncurrent assets plus other real estate owned to assets | 3.7607% | 1,727 |
Noncurrent loans to loans | 3.7748% | 1,971 |
Net loans and leases to total assets | 72.5769% | 2,892 |
Net loans and leases to deposits | 89.7731% | 2,620 |
Net loans and leases to core deposits | 111.8629% | 3,037 |
Total domestic deposits to total assets | 80.8448% | 5,138 |
Equity capital to assets | 9.0307% | 5,445 |
Core capital (leverage) ratio | 8.3812% | 5,689 |
Tier 1 risk-based capital ratio | 10.2710% | 6,712 |
Total risk-based capital ratio | 11.5475% | 6,633 |
Memoranda: | ||
Average total assets | $2,069,715,250 | 357 |
Average earning assets | $1,886,462,250 | 349 |
Average equity | $181,053,000 | 386 |
Average total loans | $1,550,623,250 | 340 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2507% | 5,864 |
Cost of funding earning assets | 2.2938% | 2,380 |
Net interest margin | 2.9569% | 6,663 |
Noninterest income to average assets | 0.8315% | 2,259 |
Noninterest expense to average assets | 3.2241% | 3,256 |
Loan and lease loss provision to assets | 1.8533% | 884 |
Net operating income to assets | -0.8542% | 6,866 |
Return on assets (ROA) | -0.8542% | 6,877 |
Pretax return on assets | -1.5469% | 7,109 |
Return on Equity (ROE) | -9.8668% | 7,023 |
Retained earnings to average equity (ytd only) | -9.8668% | 6,862 |
Net charge-offs to loans | 1.4116% | 1,334 |
Credit loss provision to net charge-offs | 174.9390% | 2,626 |
Earnings coverage of net charge-offs (x) | 0.2893% | 5,387 |
Efficiency ratio | 90.3068% | 1,778 |
Assets per employee ($millions) | 4.0143% | 3,644 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.8891% | 621 |
Loan loss allowance to noncurrent loans | 70.1221% | 3,935 |
Noncurrent assets plus other real estate owned to assets | 3.8251% | 1,585 |
Noncurrent loans to loans | 4.1201% | 1,615 |
Net loans and leases to total assets | 71.8467% | 3,261 |
Net loans and leases to deposits | 88.6165% | 3,068 |
Net loans and leases to core deposits | 111.5484% | 3,198 |
Total domestic deposits to total assets | 81.0760% | 5,051 |
Equity capital to assets | 8.7823% | 5,624 |
Core capital (leverage) ratio | 8.2829% | 5,835 |
Tier 1 risk-based capital ratio | 10.2767% | 6,622 |
Total risk-based capital ratio | 11.5544% | 6,525 |
Memoranda: | ||
Average total assets | $2,090,416,000 | 360 |
Average earning assets | $1,908,128,330 | 350 |
Average equity | $180,970,000 | 394 |
Average total loans | $1,568,842,330 | 347 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2694% | 6,030 |
Cost of funding earning assets | 2.3274% | 2,590 |
Net interest margin | 2.9420% | 6,636 |
Noninterest income to average assets | 0.7631% | 2,516 |
Noninterest expense to average assets | 3.0010% | 3,763 |
Loan and lease loss provision to assets | 1.6194% | 770 |
Net operating income to assets | -0.6318% | 6,994 |
Return on assets (ROA) | -0.6318% | 7,034 |
Pretax return on assets | -1.1643% | 7,235 |
Return on Equity (ROE) | -7.3497% | 7,178 |
Retained earnings to average equity (ytd only) | -7.3497% | 6,834 |
Net charge-offs to loans | 0.8277% | 1,566 |
Credit loss provision to net charge-offs | 258.9058% | 1,821 |
Earnings coverage of net charge-offs (x) | 0.7277% | 4,437 |
Efficiency ratio | 85.8023% | 2,092 |
Assets per employee ($millions) | 4.1772% | 3,299 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.6046% | 684 |
Loan loss allowance to noncurrent loans | 72.9909% | 3,963 |
Noncurrent assets plus other real estate owned to assets | 3.2121% | 1,723 |
Noncurrent loans to loans | 3.5684% | 1,769 |
Net loans and leases to total assets | 71.8847% | 3,266 |
Net loans and leases to deposits | 89.3402% | 3,041 |
Net loans and leases to core deposits | 111.4128% | 3,271 |
Total domestic deposits to total assets | 80.4617% | 5,188 |
Equity capital to assets | 8.7479% | 5,698 |
Core capital (leverage) ratio | 8.5747% | 5,382 |
Tier 1 risk-based capital ratio | 10.3233% | 6,574 |
Total risk-based capital ratio | 11.5918% | 6,470 |
Memoranda: | ||
Average total assets | $2,103,950,500 | 357 |
Average earning assets | $1,925,918,000 | 351 |
Average equity | $180,850,000 | 393 |
Average total loans | $1,589,988,500 | 346 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.3588% | 3,648 |
Cost of funding earning assets | 2.8336% | 2,563 |
Net interest margin | 3.5253% | 5,207 |
Noninterest income to average assets | 0.8868% | 2,016 |
Noninterest expense to average assets | 3.5463% | 2,279 |
Loan and lease loss provision to assets | 1.2361% | 1,163 |
Net operating income to assets | -0.3502% | 6,771 |
Return on assets (ROA) | -0.2732% | 6,555 |
Pretax return on assets | -0.5763% | 6,716 |
Return on Equity (ROE) | -3.3889% | 6,673 |
Retained earnings to average equity (ytd only) | -8.3511% | 6,909 |
Net charge-offs to loans | 1.2641% | 945 |
Credit loss provision to net charge-offs | 127.4135% | 4,186 |
Earnings coverage of net charge-offs (x) | 0.5561% | 5,896 |
Efficiency ratio | 85.3386% | 1,917 |
Assets per employee ($millions) | 3.9872% | 3,551 |
Cash dividends to net income (ytd only)* | -146.4267% | 8,176 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.2316% | 918 |
Loan loss allowance to noncurrent loans | 90.7262% | 3,736 |
Noncurrent assets plus other real estate owned to assets | 2.3414% | 2,074 |
Noncurrent loans to loans | 2.4597% | 2,224 |
Net loans and leases to total assets | 75.6612% | 2,716 |
Net loans and leases to deposits | 92.8362% | 2,988 |
Net loans and leases to core deposits | 113.6704% | 3,378 |
Total domestic deposits to total assets | 81.4997% | 4,407 |
Equity capital to assets | 8.4391% | 6,189 |
Core capital (leverage) ratio | 8.0101% | 6,471 |
Tier 1 risk-based capital ratio | 9.5370% | 7,266 |
Total risk-based capital ratio | 10.8034% | 7,161 |
Memoranda: | ||
Average total assets | $2,043,568,600 | 352 |
Average earning assets | $1,854,471,600 | 350 |
Average equity | $164,745,200 | 431 |
Average total loans | $1,568,435,400 | 339 |