Home > Scottrade Bank > Performance and Condition Ratios
Scottrade Bank, Performance and Condition Ratios
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 | 2.1052% | 5,722 |
Cost of funding earning assets | 0.6585% | 1,098 |
Net interest margin | 1.4468% | 5,739 |
Noninterest income to average assets | 0.0374% | 5,672 |
Noninterest expense to average assets | 0.4505% | 5,775 |
Loan and lease loss provision to assets | 0.0090% | 3,746 |
Net operating income to assets | 0.9638% | 2,590 |
Return on assets (ROA) | 1.3477% | 1,208 |
Pretax return on assets | 1.4120% | 1,971 |
Return on Equity (ROE) | 17.5162% | 368 |
Retained earnings to average equity (ytd only) | 13.5330% | 219 |
Net charge-offs to loans | 0.0062% | 3,234 |
Credit loss provision to net charge-offs | 587.7863% | 586 |
Earnings coverage of net charge-offs (x) | 661.0840% | 118 |
Efficiency ratio | 30.6979% | 5,738 |
Assets per employee ($millions) | 118.9380% | 13 |
Cash dividends to net income (ytd only)* | 22.7403% | 3,013 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.5006% | 5,519 |
Loan loss allowance to noncurrent loans | 147.0752% | 2,820 |
Noncurrent assets plus other real estate owned to assets | 0.0868% | 4,845 |
Noncurrent loans to loans | 0.3404% | 3,824 |
Net loans and leases to total assets | 25.3837% | 5,622 |
Net loans and leases to deposits | 27.6877% | 5,657 |
Net loans and leases to core deposits | 110.9705% | 955 |
Total domestic deposits to total assets | 91.6787% | 107 |
Equity capital to assets | 8.0107% | 5,535 |
Core capital (leverage) ratio | 7.9459% | 5,556 |
Tier 1 risk-based capital ratio | 26.0691% | 672 |
Total risk-based capital ratio | 26.4857% | 714 |
Memoranda: | ||
Average total assets | $17,032,061,000 | 90 |
Average earning assets | $16,834,425,670 | 85 |
Average equity | $1,310,486,000 | 121 |
Average total loans | $4,195,317,000 | 185 |
2017-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.0403% | 5,793 |
Cost of funding earning assets | 0.6587% | 1,032 |
Net interest margin | 1.3816% | 5,815 |
Noninterest income to average assets | 0.0409% | 5,743 |
Noninterest expense to average assets | 0.4598% | 5,841 |
Loan and lease loss provision to assets | 0.0012% | 3,529 |
Net operating income to assets | 0.9054% | 2,732 |
Return on assets (ROA) | 1.6392% | 640 |
Pretax return on assets | 1.7174% | 971 |
Return on Equity (ROE) | 21.7511% | 157 |
Retained earnings to average equity (ytd only) | 21.7511% | 79 |
Net charge-offs to loans | -0.0067% | 4,274 |
Credit loss provision to net charge-offs | -72.4638% | 3,900 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 32.7040% | 5,784 |
Assets per employee ($millions) | 123.1902% | 11 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.4985% | 5,597 |
Loan loss allowance to noncurrent loans | 139.9908% | 2,952 |
Noncurrent assets plus other real estate owned to assets | 0.0885% | 4,922 |
Noncurrent loans to loans | 0.3561% | 3,814 |
Net loans and leases to total assets | 24.7177% | 5,689 |
Net loans and leases to deposits | 26.8889% | 5,715 |
Net loans and leases to core deposits | 101.8529% | 1,380 |
Total domestic deposits to total assets | 91.9251% | 114 |
Equity capital to assets | 7.7179% | 5,629 |
Core capital (leverage) ratio | 7.6959% | 5,663 |
Tier 1 risk-based capital ratio | 25.7775% | 703 |
Total risk-based capital ratio | 26.1857% | 765 |
Memoranda: | ||
Average total assets | $17,044,022,500 | 90 |
Average earning assets | $16,838,917,500 | 84 |
Average equity | $1,284,497,000 | 120 |
Average total loans | $4,123,464,000 | 187 |
2016-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.1886% | 5,828 |
Cost of funding earning assets | 0.6788% | 916 |
Net interest margin | 1.5098% | 5,853 |
Noninterest income to average assets | 0.0387% | 5,798 |
Noninterest expense to average assets | 0.4435% | 5,894 |
Loan and lease loss provision to assets | 0.0621% | 3,129 |
Net operating income to assets | 0.9759% | 2,455 |
Return on assets (ROA) | 0.8928% | 2,982 |
Pretax return on assets | 0.9363% | 3,706 |
Return on Equity (ROE) | 11.4890% | 1,409 |
Retained earnings to average equity (ytd only) | 3.9798% | 3,089 |
Net charge-offs to loans | 0.1028% | 2,244 |
Credit loss provision to net charge-offs | 295.3815% | 999 |
Earnings coverage of net charge-offs (x) | 51.6203% | 991 |
Efficiency ratio | 28.9984% | 5,874 |
Assets per employee ($millions) | 113.8564% | 13 |
Cash dividends to net income (ytd only)* | 65.3604% | 1,526 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.5280% | 5,633 |
Loan loss allowance to noncurrent loans | 122.5671% | 3,213 |
Noncurrent assets plus other real estate owned to assets | 0.1014% | 4,914 |
Noncurrent loans to loans | 0.4308% | 3,599 |
Net loans and leases to total assets | 23.4142% | 5,766 |
Net loans and leases to deposits | 25.3681% | 5,790 |
Net loans and leases to core deposits | 96.1581% | 1,913 |
Total domestic deposits to total assets | 92.2978% | 80 |
Equity capital to assets | 7.3531% | 5,747 |
Core capital (leverage) ratio | 7.5309% | 5,742 |
Tier 1 risk-based capital ratio | 25.9735% | 702 |
Total risk-based capital ratio | 26.4053% | 741 |
Memoranda: | ||
Average total assets | $16,262,099,800 | 88 |
Average earning assets | $16,056,680,200 | 83 |
Average equity | $1,263,769,800 | 115 |
Average total loans | $3,329,335,400 | 213 |
2016-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.1694% | 5,897 |
Cost of funding earning assets | 0.6740% | 926 |
Net interest margin | 1.4954% | 5,923 |
Noninterest income to average assets | 0.0372% | 5,862 |
Noninterest expense to average assets | 0.4465% | 5,964 |
Loan and lease loss provision to assets | 0.0582% | 3,082 |
Net operating income to assets | 0.9641% | 2,596 |
Return on assets (ROA) | 1.0527% | 2,315 |
Pretax return on assets | 1.1029% | 3,223 |
Return on Equity (ROE) | 13.3564% | 959 |
Retained earnings to average equity (ytd only) | 4.9540% | 2,858 |
Net charge-offs to loans | 0.1112% | 1,831 |
Credit loss provision to net charge-offs | 266.3002% | 1,148 |
Earnings coverage of net charge-offs (x) | 48.8419% | 1,092 |
Efficiency ratio | 29.4827% | 5,936 |
Assets per employee ($millions) | 109.2524% | 15 |
Cash dividends to net income (ytd only)* | 62.9094% | 1,314 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.5314% | 5,700 |
Loan loss allowance to noncurrent loans | 105.7767% | 3,500 |
Noncurrent assets plus other real estate owned to assets | 0.1081% | 4,994 |
Noncurrent loans to loans | 0.5023% | 3,498 |
Net loans and leases to total assets | 21.1781% | 5,857 |
Net loans and leases to deposits | 23.1133% | 5,878 |
Net loans and leases to core deposits | 90.3781% | 2,540 |
Total domestic deposits to total assets | 91.6275% | 106 |
Equity capital to assets | 8.1482% | 5,688 |
Core capital (leverage) ratio | 7.7874% | 5,761 |
Tier 1 risk-based capital ratio | 24.0729% | 897 |
Total risk-based capital ratio | 24.4306% | 967 |
Memoranda: | ||
Average total assets | $16,086,474,000 | 87 |
Average earning assets | $15,890,309,500 | 84 |
Average equity | $1,267,856,250 | 113 |
Average total loans | $3,163,367,250 | 218 |
2016-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.1417% | 5,980 |
Cost of funding earning assets | 0.6638% | 971 |
Net interest margin | 1.4779% | 6,003 |
Noninterest income to average assets | 0.0348% | 5,942 |
Noninterest expense to average assets | 0.4519% | 6,042 |
Loan and lease loss provision to assets | 0.0537% | 3,071 |
Net operating income to assets | 0.9448% | 2,646 |
Return on assets (ROA) | 1.0297% | 2,390 |
Pretax return on assets | 1.0789% | 3,283 |
Return on Equity (ROE) | 13.2207% | 974 |
Retained earnings to average equity (ytd only) | 2.9902% | 4,013 |
Net charge-offs to loans | 0.0991% | 1,845 |
Credit loss provision to net charge-offs | 283.8645% | 1,004 |
Earnings coverage of net charge-offs (x) | 55.1195% | 928 |
Efficiency ratio | 30.2220% | 6,013 |
Assets per employee ($millions) | 112.8311% | 15 |
Cash dividends to net income (ytd only)* | 77.3822% | 953 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.5263% | 5,770 |
Loan loss allowance to noncurrent loans | 114.4600% | 3,428 |
Noncurrent assets plus other real estate owned to assets | 0.0948% | 5,138 |
Noncurrent loans to loans | 0.4598% | 3,721 |
Net loans and leases to total assets | 20.2534% | 5,936 |
Net loans and leases to deposits | 22.1249% | 5,959 |
Net loans and leases to core deposits | 92.2711% | 2,325 |
Total domestic deposits to total assets | 91.5411% | 122 |
Equity capital to assets | 8.0938% | 5,773 |
Core capital (leverage) ratio | 7.8012% | 5,818 |
Tier 1 risk-based capital ratio | 23.7591% | 923 |
Total risk-based capital ratio | 24.0886% | 1,016 |
Memoranda: | ||
Average total assets | $15,913,178,000 | 87 |
Average earning assets | $15,724,666,000 | 85 |
Average equity | $1,239,433,670 | 116 |
Average total loans | $3,039,255,670 | 229 |
2016-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.1102% | 6,049 |
Cost of funding earning assets | 0.6604% | 995 |
Net interest margin | 1.4498% | 6,071 |
Noninterest income to average assets | 0.0378% | 6,001 |
Noninterest expense to average assets | 0.4562% | 6,106 |
Loan and lease loss provision to assets | 0.0523% | 2,889 |
Net operating income to assets | 0.9181% | 2,665 |
Return on assets (ROA) | 1.0154% | 2,327 |
Pretax return on assets | 1.0639% | 3,227 |
Return on Equity (ROE) | 13.3001% | 969 |
Retained earnings to average equity (ytd only) | 0.9442% | 4,859 |
Net charge-offs to loans | 0.0712% | 1,767 |
Credit loss provision to net charge-offs | 398.2726% | 714 |
Earnings coverage of net charge-offs (x) | 77.1478% | 655 |
Efficiency ratio | 31.0341% | 6,066 |
Assets per employee ($millions) | 112.1866% | 17 |
Cash dividends to net income (ytd only)* | 92.9008% | 796 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.5353% | 5,829 |
Loan loss allowance to noncurrent loans | 145.8985% | 2,820 |
Noncurrent assets plus other real estate owned to assets | 0.0701% | 5,315 |
Noncurrent loans to loans | 0.3669% | 4,119 |
Net loans and leases to total assets | 18.6071% | 6,012 |
Net loans and leases to deposits | 20.2651% | 6,028 |
Net loans and leases to core deposits | 88.0972% | 2,555 |
Total domestic deposits to total assets | 91.8186% | 126 |
Equity capital to assets | 7.8031% | 5,884 |
Core capital (leverage) ratio | 7.7541% | 5,863 |
Tier 1 risk-based capital ratio | 23.5156% | 960 |
Total risk-based capital ratio | 23.8220% | 1,052 |
Memoranda: | ||
Average total assets | $15,858,759,000 | 88 |
Average earning assets | $15,665,827,500 | 85 |
Average equity | $1,210,753,500 | 119 |
Average total loans | $2,927,801,500 | 231 |
2015-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.0443% | 6,095 |
Cost of funding earning assets | 0.6465% | 1,089 |
Net interest margin | 1.3978% | 6,114 |
Noninterest income to average assets | 0.0300% | 6,047 |
Noninterest expense to average assets | 0.4679% | 6,159 |
Loan and lease loss provision to assets | 0.0223% | 3,937 |
Net operating income to assets | 0.8798% | 2,979 |
Return on assets (ROA) | 1.0120% | 2,385 |
Pretax return on assets | 1.0604% | 3,226 |
Return on Equity (ROE) | 12.1973% | 1,252 |
Retained earnings to average equity (ytd only) | -4.5508% | 5,895 |
Net charge-offs to loans | 0.0439% | 3,335 |
Credit loss provision to net charge-offs | 304.4813% | 972 |
Earnings coverage of net charge-offs (x) | 128.8141% | 471 |
Efficiency ratio | 33.1529% | 6,125 |
Assets per employee ($millions) | 119.5986% | 16 |
Cash dividends to net income (ytd only)* | 137.3100% | 189 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.5008% | 5,920 |
Loan loss allowance to noncurrent loans | 168.0868% | 2,582 |
Noncurrent assets plus other real estate owned to assets | 0.0543% | 5,448 |
Noncurrent loans to loans | 0.2979% | 4,388 |
Net loans and leases to total assets | 18.1227% | 6,076 |
Net loans and leases to deposits | 19.6530% | 6,097 |
Net loans and leases to core deposits | 88.4831% | 2,557 |
Total domestic deposits to total assets | 92.2136% | 90 |
Equity capital to assets | 7.4646% | 5,992 |
Core capital (leverage) ratio | 7.8047% | 5,910 |
Tier 1 risk-based capital ratio | 23.7424% | 939 |
Total risk-based capital ratio | 24.0234% | 1,029 |
Memoranda: | ||
Average total assets | $16,451,941,000 | 85 |
Average earning assets | $16,258,629,600 | 80 |
Average equity | $1,365,033,200 | 106 |
Average total loans | $2,742,883,400 | 227 |
2015-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.0211% | 6,187 |
Cost of funding earning assets | 0.6417% | 1,141 |
Net interest margin | 1.3794% | 6,210 |
Noninterest income to average assets | 0.0267% | 6,144 |
Noninterest expense to average assets | 0.5025% | 6,249 |
Loan and lease loss provision to assets | 0.0224% | 3,826 |
Net operating income to assets | 0.8265% | 3,298 |
Return on assets (ROA) | 0.9998% | 2,562 |
Pretax return on assets | 1.0475% | 3,425 |
Return on Equity (ROE) | 11.7691% | 1,441 |
Retained earnings to average equity (ytd only) | -8.3199% | 6,096 |
Net charge-offs to loans | 0.0547% | 2,824 |
Credit loss provision to net charge-offs | 251.2590% | 1,132 |
Earnings coverage of net charge-offs (x) | 99.4829% | 634 |
Efficiency ratio | 36.1505% | 6,182 |
Assets per employee ($millions) | 136.2074% | 14 |
Cash dividends to net income (ytd only)* | 170.6926% | 99 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.4881% | 6,030 |
Loan loss allowance to noncurrent loans | 157.0522% | 2,718 |
Noncurrent assets plus other real estate owned to assets | 0.0549% | 5,554 |
Noncurrent loans to loans | 0.3108% | 4,488 |
Net loans and leases to total assets | 17.5734% | 6,168 |
Net loans and leases to deposits | 19.1702% | 6,189 |
Net loans and leases to core deposits | 87.5702% | 2,700 |
Total domestic deposits to total assets | 91.6705% | 130 |
Equity capital to assets | 8.1463% | 5,899 |
Core capital (leverage) ratio | 7.7014% | 6,013 |
Tier 1 risk-based capital ratio | 24.0030% | 949 |
Total risk-based capital ratio | 24.2768% | 1,032 |
Memoranda: | ||
Average total assets | $16,618,171,250 | 84 |
Average earning assets | $16,424,468,750 | 78 |
Average equity | $1,411,683,750 | 106 |
Average total loans | $2,709,743,750 | 231 |
2015-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 1.9878% | 6,263 |
Cost of funding earning assets | 0.6351% | 1,195 |
Net interest margin | 1.3528% | 6,290 |
Noninterest income to average assets | 0.0215% | 6,228 |
Noninterest expense to average assets | 0.4882% | 6,325 |
Loan and lease loss provision to assets | 0.0147% | 3,829 |
Net operating income to assets | 0.8179% | 3,295 |
Return on assets (ROA) | 0.9304% | 2,853 |
Pretax return on assets | 0.9749% | 3,678 |
Return on Equity (ROE) | 10.8143% | 1,741 |
Retained earnings to average equity (ytd only) | -8.1369% | 6,132 |
Net charge-offs to loans | 0.0527% | 2,664 |
Credit loss provision to net charge-offs | 175.9547% | 1,367 |
Earnings coverage of net charge-offs (x) | 104.0651% | 584 |
Efficiency ratio | 35.9117% | 6,260 |
Assets per employee ($millions) | 142.5715% | 12 |
Cash dividends to net income (ytd only)* | 175.2421% | 134 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.4536% | 6,129 |
Loan loss allowance to noncurrent loans | 707.8888% | 756 |
Noncurrent assets plus other real estate owned to assets | 0.0111% | 5,850 |
Noncurrent loans to loans | 0.0641% | 5,476 |
Net loans and leases to total assets | 17.2968% | 6,238 |
Net loans and leases to deposits | 19.0353% | 6,263 |
Net loans and leases to core deposits | 90.4515% | 2,306 |
Total domestic deposits to total assets | 90.8669% | 333 |
Equity capital to assets | 8.9695% | 5,264 |
Core capital (leverage) ratio | 7.6215% | 6,063 |
Tier 1 risk-based capital ratio | 24.8726% | 876 |
Total risk-based capital ratio | 25.1267% | 955 |
Memoranda: | ||
Average total assets | $16,890,876,670 | 85 |
Average earning assets | $16,704,723,670 | 77 |
Average equity | $1,453,203,670 | 107 |
Average total loans | $2,682,914,670 | 233 |
2015-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 1.9727% | 6,338 |
Cost of funding earning assets | 0.6206% | 1,300 |
Net interest margin | 1.3521% | 6,361 |
Noninterest income to average assets | 0.0141% | 6,304 |
Noninterest expense to average assets | 0.4570% | 6,400 |
Loan and lease loss provision to assets | 0.0126% | 3,561 |
Net operating income to assets | 0.8426% | 3,049 |
Return on assets (ROA) | 1.0336% | 2,256 |
Pretax return on assets | 1.0830% | 3,148 |
Return on Equity (ROE) | 12.2500% | 1,281 |
Retained earnings to average equity (ytd only) | -7.3680% | 6,052 |
Net charge-offs to loans | 0.0190% | 2,777 |
Credit loss provision to net charge-offs | 436.5079% | 611 |
Earnings coverage of net charge-offs (x) | 309.2619% | 180 |
Efficiency ratio | 33.8140% | 6,339 |
Assets per employee ($millions) | 159.9227% | 10 |
Cash dividends to net income (ytd only)* | 160.1475% | 329 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.4575% | 6,198 |
Loan loss allowance to noncurrent loans | 1,594.8387% | 375 |
Noncurrent assets plus other real estate owned to assets | 0.0045% | 5,948 |
Noncurrent loans to loans | 0.0287% | 5,692 |
Net loans and leases to total assets | 15.7166% | 6,320 |
Net loans and leases to deposits | 17.4539% | 6,333 |
Net loans and leases to core deposits | 88.4008% | 2,282 |
Total domestic deposits to total assets | 90.0464% | 732 |
Equity capital to assets | 8.8112% | 5,492 |
Core capital (leverage) ratio | 7.4458% | 6,160 |
Tier 1 risk-based capital ratio | 24.3017% | 964 |
Total risk-based capital ratio | 24.5376% | 1,050 |
Memoranda: | ||
Average total assets | $17,423,595,500 | 80 |
Average earning assets | $17,236,033,500 | 76 |
Average equity | $1,470,078,000 | 104 |
Average total loans | $2,649,486,000 | 233 |
2014-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 1.8385% | 6,432 |
Cost of funding earning assets | 0.6131% | 1,650 |
Net interest margin | 1.2254% | 6,451 |
Noninterest income to average assets | 0.0102% | 6,374 |
Noninterest expense to average assets | 0.3179% | 6,496 |
Loan and lease loss provision to assets | 0.0251% | 4,101 |
Net operating income to assets | 0.8409% | 3,170 |
Return on assets (ROA) | 0.9188% | 2,882 |
Pretax return on assets | 0.9625% | 3,637 |
Return on Equity (ROE) | 12.6689% | 1,220 |
Retained earnings to average equity (ytd only) | 2.5805% | 4,404 |
Net charge-offs to loans | 0.0127% | 4,645 |
Credit loss provision to net charge-offs | 1,687.7193% | 178 |
Earnings coverage of net charge-offs (x) | 609.0035% | 84 |
Efficiency ratio | 25.9790% | 6,480 |
Assets per employee ($millions) | 192.7768% | 9 |
Cash dividends to net income (ytd only)* | 79.6314% | 913 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.4596% | 6,289 |
Loan loss allowance to noncurrent loans | 444.5438% | 1,174 |
Noncurrent assets plus other real estate owned to assets | 0.0151% | 5,991 |
Noncurrent loans to loans | 0.1034% | 5,480 |
Net loans and leases to total assets | 14.5770% | 6,425 |
Net loans and leases to deposits | 15.8845% | 6,436 |
Net loans and leases to core deposits | 84.1093% | 2,889 |
Total domestic deposits to total assets | 91.7685% | 182 |
Equity capital to assets | 8.0765% | 6,027 |
Core capital (leverage) ratio | 7.3867% | 6,238 |
Tier 1 risk-based capital ratio | 22.4862% | 1,151 |
Total risk-based capital ratio | 22.6926% | 1,294 |
Memoranda: | ||
Average total assets | $19,164,964,000 | 71 |
Average earning assets | $18,975,974,000 | 66 |
Average equity | $1,389,859,800 | 105 |
Average total loans | $2,250,532,600 | 247 |
2014-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 1.8115% | 6,514 |
Cost of funding earning assets | 0.6072% | 1,773 |
Net interest margin | 1.2043% | 6,539 |
Noninterest income to average assets | 0.0075% | 6,462 |
Noninterest expense to average assets | 0.3012% | 6,578 |
Loan and lease loss provision to assets | 0.0249% | 3,908 |
Net operating income to assets | 0.8345% | 3,263 |
Return on assets (ROA) | 0.9015% | 3,004 |
Pretax return on assets | 0.9444% | 3,810 |
Return on Equity (ROE) | 12.7599% | 1,275 |
Retained earnings to average equity (ytd only) | 10.0817% | 686 |
Net charge-offs to loans | 0.0150% | 4,255 |
Credit loss provision to net charge-offs | 1,502.0576% | 241 |
Earnings coverage of net charge-offs (x) | 541.6081% | 142 |
Efficiency ratio | 25.0990% | 6,561 |
Assets per employee ($millions) | 234.8549% | 8 |
Cash dividends to net income (ytd only)* | 20.9896% | 3,176 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.4429% | 6,379 |
Loan loss allowance to noncurrent loans | 432.2014% | 1,108 |
Noncurrent assets plus other real estate owned to assets | 0.0130% | 6,130 |
Noncurrent loans to loans | 0.1025% | 5,629 |
Net loans and leases to total assets | 12.6282% | 6,520 |
Net loans and leases to deposits | 13.7029% | 6,526 |
Net loans and leases to core deposits | 72.4163% | 4,111 |
Total domestic deposits to total assets | 92.1576% | 137 |
Equity capital to assets | 7.6916% | 6,249 |
Core capital (leverage) ratio | 7.1491% | 6,363 |
Tier 1 risk-based capital ratio | 22.8552% | 1,141 |
Total risk-based capital ratio | 23.0358% | 1,276 |
Memoranda: | ||
Average total assets | $19,522,338,250 | 69 |
Average earning assets | $19,332,759,750 | 66 |
Average equity | $1,379,221,750 | 106 |
Average total loans | $2,163,856,500 | 252 |
2014-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 1.7976% | 6,585 |
Cost of funding earning assets | 0.6040% | 1,869 |
Net interest margin | 1.1936% | 6,605 |
Noninterest income to average assets | 0.0057% | 6,536 |
Noninterest expense to average assets | 0.3374% | 6,639 |
Loan and lease loss provision to assets | 0.0238% | 3,802 |
Net operating income to assets | 0.8270% | 3,196 |
Return on assets (ROA) | 0.9136% | 2,838 |
Pretax return on assets | 0.9136% | 3,830 |
Return on Equity (ROE) | 13.3181% | 1,092 |
Retained earnings to average equity (ytd only) | 11.1416% | 522 |
Net charge-offs to loans | 0.0181% | 3,858 |
Credit loss provision to net charge-offs | 1,248.6631% | 283 |
Earnings coverage of net charge-offs (x) | 446.1016% | 158 |
Efficiency ratio | 28.3958% | 6,615 |
Assets per employee ($millions) | 260.8051% | 8 |
Cash dividends to net income (ytd only)* | 16.3422% | 3,288 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.4277% | 6,472 |
Loan loss allowance to noncurrent loans | 1,722.3423% | 326 |
Noncurrent assets plus other real estate owned to assets | 0.0028% | 6,263 |
Noncurrent loans to loans | 0.0248% | 5,994 |
Net loans and leases to total assets | 11.3763% | 6,594 |
Net loans and leases to deposits | 12.3313% | 6,600 |
Net loans and leases to core deposits | 66.4889% | 4,594 |
Total domestic deposits to total assets | 92.2551% | 142 |
Equity capital to assets | 7.6100% | 6,320 |
Core capital (leverage) ratio | 6.9001% | 6,446 |
Tier 1 risk-based capital ratio | 22.8381% | 1,136 |
Total risk-based capital ratio | 23.0011% | 1,277 |
Memoranda: | ||
Average total assets | $19,610,416,000 | 68 |
Average earning assets | $19,427,030,000 | 66 |
Average equity | $1,345,211,000 | 105 |
Average total loans | $2,070,883,670 | 257 |
2014-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 1.8646% | 6,656 |
Cost of funding earning assets | 0.5990% | 1,977 |
Net interest margin | 1.2655% | 6,679 |
Noninterest income to average assets | 0.0047% | 6,592 |
Noninterest expense to average assets | 0.3315% | 6,720 |
Loan and lease loss provision to assets | 0.0165% | 3,616 |
Net operating income to assets | 0.9106% | 2,604 |
Return on assets (ROA) | 0.9557% | 2,451 |
Pretax return on assets | 0.9557% | 3,488 |
Return on Equity (ROE) | 14.7349% | 817 |
Retained earnings to average equity (ytd only) | 10.6289% | 809 |
Net charge-offs to loans | 0.0076% | 3,488 |
Credit loss provision to net charge-offs | 2,131.5789% | 167 |
Earnings coverage of net charge-offs (x) | 1,197.6579% | 19 |
Efficiency ratio | 26.3385% | 6,693 |
Assets per employee ($millions) | 273.9330% | 7 |
Cash dividends to net income (ytd only)* | 27.8659% | 2,344 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.3988% | 6,562 |
Loan loss allowance to noncurrent loans | 2,709.6026% | 209 |
Noncurrent assets plus other real estate owned to assets | 0.0015% | 6,347 |
Noncurrent loans to loans | 0.0147% | 6,123 |
Net loans and leases to total assets | 10.3626% | 6,670 |
Net loans and leases to deposits | 11.1419% | 6,673 |
Net loans and leases to core deposits | 62.5645% | 4,820 |
Total domestic deposits to total assets | 93.0061% | 117 |
Equity capital to assets | 6.8161% | 6,484 |
Core capital (leverage) ratio | 6.5980% | 6,531 |
Tier 1 risk-based capital ratio | 22.2721% | 1,250 |
Total risk-based capital ratio | 22.4125% | 1,418 |
Memoranda: | ||
Average total assets | $19,635,433,500 | 67 |
Average earning assets | $19,454,975,000 | 64 |
Average equity | $1,273,546,500 | 108 |
Average total loans | $1,988,925,500 | 258 |
2013-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 1.7200% | 6,734 |
Cost of funding earning assets | 0.5762% | 2,875 |
Net interest margin | 1.1438% | 6,753 |
Noninterest income to average assets | 0.0033% | 6,638 |
Noninterest expense to average assets | 0.3024% | 6,798 |
Loan and lease loss provision to assets | 0.0382% | 4,351 |
Net operating income to assets | 0.7954% | 3,312 |
Return on assets (ROA) | 0.9347% | 2,704 |
Pretax return on assets | 0.9347% | 3,621 |
Return on Equity (ROE) | 12.9752% | 1,170 |
Retained earnings to average equity (ytd only) | 4.0825% | 3,275 |
Net charge-offs to loans | 0.1710% | 3,118 |
Credit loss provision to net charge-offs | 376.7404% | 604 |
Earnings coverage of net charge-offs (x) | 82.1786% | 541 |
Efficiency ratio | 26.6184% | 6,776 |
Assets per employee ($millions) | 325.7949% | 7 |
Cash dividends to net income (ytd only)* | 68.5364% | 1,371 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.3848% | 6,647 |
Loan loss allowance to noncurrent loans | 2,573.2639% | 241 |
Noncurrent assets plus other real estate owned to assets | 0.0015% | 6,452 |
Noncurrent loans to loans | 0.0150% | 6,229 |
Net loans and leases to total assets | 9.8140% | 6,751 |
Net loans and leases to deposits | 10.4768% | 6,758 |
Net loans and leases to core deposits | 58.2997% | 5,368 |
Total domestic deposits to total assets | 93.6743% | 91 |
Equity capital to assets | 6.1529% | 6,607 |
Core capital (leverage) ratio | 6.4482% | 6,602 |
Tier 1 risk-based capital ratio | 21.7736% | 1,298 |
Total risk-based capital ratio | 21.9012% | 1,476 |
Memoranda: | ||
Average total assets | $18,266,616,400 | 69 |
Average earning assets | $18,089,033,600 | 66 |
Average equity | $1,315,898,800 | 107 |
Average total loans | $1,083,432,800 | 404 |
2013-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 1.6655% | 6,819 |
Cost of funding earning assets | 0.5577% | 3,184 |
Net interest margin | 1.1078% | 6,841 |
Noninterest income to average assets | 0.0033% | 6,731 |
Noninterest expense to average assets | 0.2956% | 6,879 |
Loan and lease loss provision to assets | 0.0410% | 4,185 |
Net operating income to assets | 0.7634% | 3,537 |
Return on assets (ROA) | 0.9131% | 2,874 |
Pretax return on assets | 0.9131% | 3,824 |
Return on Equity (ROE) | 12.1910% | 1,421 |
Retained earnings to average equity (ytd only) | 4.0555% | 3,805 |
Net charge-offs to loans | 0.2802% | 2,147 |
Credit loss provision to net charge-offs | 300.7634% | 843 |
Earnings coverage of net charge-offs (x) | 59.0388% | 762 |
Efficiency ratio | 26.8695% | 6,851 |
Assets per employee ($millions) | 402.1772% | 7 |
Cash dividends to net income (ytd only)* | 66.7337% | 1,203 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.3684% | 6,739 |
Loan loss allowance to noncurrent loans | 563.2672% | 804 |
Noncurrent assets plus other real estate owned to assets | 0.0055% | 6,504 |
Noncurrent loans to loans | 0.0654% | 6,144 |
Net loans and leases to total assets | 8.3563% | 6,837 |
Net loans and leases to deposits | 8.9410% | 6,842 |
Net loans and leases to core deposits | 49.6767% | 6,033 |
Total domestic deposits to total assets | 93.4614% | 95 |
Equity capital to assets | 6.3993% | 6,655 |
Core capital (leverage) ratio | 6.4781% | 6,672 |
Tier 1 risk-based capital ratio | 22.2880% | 1,265 |
Total risk-based capital ratio | 22.3942% | 1,437 |
Memoranda: | ||
Average total assets | $17,946,347,250 | 70 |
Average earning assets | $17,767,720,500 | 65 |
Average equity | $1,344,186,500 | 107 |
Average total loans | $872,833,250 | 476 |
2013-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 1.6113% | 6,872 |
Cost of funding earning assets | 0.5464% | 3,455 |
Net interest margin | 1.0650% | 6,891 |
Noninterest income to average assets | 0.0031% | 6,783 |
Noninterest expense to average assets | 0.2869% | 6,930 |
Loan and lease loss provision to assets | 0.0388% | 4,177 |
Net operating income to assets | 0.7315% | 3,663 |
Return on assets (ROA) | 0.9596% | 2,663 |
Pretax return on assets | 0.9597% | 3,681 |
Return on Equity (ROE) | 12.1601% | 1,441 |
Retained earnings to average equity (ytd only) | 2.0158% | 4,988 |
Net charge-offs to loans | 0.4342% | 1,491 |
Credit loss provision to net charge-offs | 250.1845% | 994 |
Earnings coverage of net charge-offs (x) | 49.7262% | 806 |
Efficiency ratio | 27.1350% | 6,898 |
Assets per employee ($millions) | 461.7813% | 6 |
Cash dividends to net income (ytd only)* | 83.4225% | 836 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.4872% | 6,714 |
Loan loss allowance to noncurrent loans | 1,660.7692% | 307 |
Noncurrent assets plus other real estate owned to assets | 0.0014% | 6,591 |
Noncurrent loans to loans | 0.0293% | 6,321 |
Net loans and leases to total assets | 4.8969% | 6,894 |
Net loans and leases to deposits | 5.2507% | 6,898 |
Net loans and leases to core deposits | 29.5657% | 6,724 |
Total domestic deposits to total assets | 93.2608% | 107 |
Equity capital to assets | 6.5134% | 6,686 |
Core capital (leverage) ratio | 6.7806% | 6,663 |
Tier 1 risk-based capital ratio | 23.8377% | 1,016 |
Total risk-based capital ratio | 23.9218% | 1,165 |
Memoranda: | ||
Average total assets | $17,493,628,000 | 71 |
Average earning assets | $17,314,489,670 | 65 |
Average equity | $1,380,462,000 | 105 |
Average total loans | $624,073,000 | 672 |
2013-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 1.5845% | 6,957 |
Cost of funding earning assets | 0.5210% | 3,877 |
Net interest margin | 1.0635% | 6,974 |
Noninterest income to average assets | 0.0037% | 6,845 |
Noninterest expense to average assets | 0.2774% | 7,008 |
Loan and lease loss provision to assets | 0.0818% | 3,282 |
Net operating income to assets | 0.6963% | 3,702 |
Return on assets (ROA) | 0.9715% | 2,476 |
Pretax return on assets | 0.9715% | 3,479 |
Return on Equity (ROE) | 11.2822% | 1,626 |
Retained earnings to average equity (ytd only) | -5.2926% | 6,383 |
Net charge-offs to loans | 0.6353% | 964 |
Credit loss provision to net charge-offs | 450.3193% | 584 |
Earnings coverage of net charge-offs (x) | 42.8212% | 743 |
Efficiency ratio | 26.2840% | 6,974 |
Assets per employee ($millions) | 453.8413% | 6 |
Cash dividends to net income (ytd only)* | 146.9113% | 365 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.7357% | 6,542 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
Noncurrent loans to loans | 0.0000% | 6,535 |
Net loans and leases to total assets | 3.8312% | 6,973 |
Net loans and leases to deposits | 4.2198% | 6,977 |
Net loans and leases to core deposits | 26.2401% | 6,834 |
Total domestic deposits to total assets | 90.7910% | 619 |
Equity capital to assets | 8.3999% | 6,102 |
Core capital (leverage) ratio | 6.8437% | 6,684 |
Tier 1 risk-based capital ratio | 24.1527% | 998 |
Total risk-based capital ratio | 24.2546% | 1,135 |
Memoranda: | ||
Average total assets | $17,235,707,500 | 70 |
Average earning assets | $17,047,257,500 | 65 |
Average equity | $1,484,179,500 | 95 |
Average total loans | $493,000,000 | 859 |
2012-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 1.6451% | 7,016 |
Cost of funding earning assets | 0.4649% | 5,456 |
Net interest margin | 1.1802% | 7,023 |
Noninterest income to average assets | 0.0028% | 6,816 |
Noninterest expense to average assets | 0.1923% | 7,073 |
Loan and lease loss provision to assets | 0.0065% | 5,841 |
Net operating income to assets | 0.9723% | 2,454 |
Return on assets (ROA) | 1.0673% | 2,245 |
Pretax return on assets | 1.0673% | 3,281 |
Return on Equity (ROE) | 12.1525% | 1,466 |
Retained earnings to average equity (ytd only) | 9.8715% | 618 |
Net charge-offs to loans | 0.1129% | 4,545 |
Credit loss provision to net charge-offs | 345.8781% | 710 |
Earnings coverage of net charge-offs (x) | 518.8208% | 79 |
Efficiency ratio | 16.4226% | 7,059 |
Assets per employee ($millions) | 578.3312% | 4 |
Cash dividends to net income (ytd only)* | 18.7696% | 3,794 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.7538% | 6,563 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
Noncurrent loans to loans | 0.0000% | 6,599 |
Net loans and leases to total assets | 1.7922% | 7,038 |
Net loans and leases to deposits | 1.9701% | 7,041 |
Net loans and leases to core deposits | 12.4686% | 7,007 |
Total domestic deposits to total assets | 90.9682% | 506 |
Equity capital to assets | 8.8340% | 5,708 |
Core capital (leverage) ratio | 7.3374% | 6,567 |
Tier 1 risk-based capital ratio | 28.5842% | 588 |
Total risk-based capital ratio | 28.6381% | 649 |
Memoranda: | ||
Average total assets | $14,788,785,000 | 78 |
Average earning assets | $14,640,479,000 | 72 |
Average equity | $1,298,788,200 | 108 |
Average total loans | $247,192,400 | 1,668 |
2012-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 1.6715% | 7,126 |
Cost of funding earning assets | 0.4788% | 5,571 |
Net interest margin | 1.1928% | 7,130 |
Noninterest income to average assets | 0.0027% | 6,930 |
Noninterest expense to average assets | 0.2112% | 7,177 |
Loan and lease loss provision to assets | 0.0076% | 5,711 |
Net operating income to assets | 0.9651% | 2,684 |
Return on assets (ROA) | 1.0829% | 2,358 |
Pretax return on assets | 1.0829% | 3,413 |
Return on Equity (ROE) | 12.3521% | 1,515 |
Retained earnings to average equity (ytd only) | 9.2000% | 1,156 |
Net charge-offs to loans | 0.1063% | 4,328 |
Credit loss provision to net charge-offs | 438.1720% | 612 |
Earnings coverage of net charge-offs (x) | 560.6215% | 79 |
Efficiency ratio | 17.8389% | 7,158 |
Assets per employee ($millions) | 573.8939% | 4 |
Cash dividends to net income (ytd only)* | 25.5190% | 2,837 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8026% | 6,595 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
Noncurrent loans to loans | 0.0000% | 6,696 |
Net loans and leases to total assets | 1.7756% | 7,138 |
Net loans and leases to deposits | 1.9542% | 7,141 |
Net loans and leases to core deposits | 22.9872% | 7,056 |
Total domestic deposits to total assets | 90.8605% | 447 |
Equity capital to assets | 8.9970% | 5,828 |
Core capital (leverage) ratio | 7.5442% | 6,593 |
Tier 1 risk-based capital ratio | 30.3490% | 515 |
Total risk-based capital ratio | 30.4068% | 567 |
Memoranda: | ||
Average total assets | $14,293,080,250 | 81 |
Average earning assets | $14,154,643,500 | 75 |
Average equity | $1,253,085,000 | 113 |
Average total loans | $233,274,750 | 1,764 |
2012-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 1.6644% | 7,197 |
Cost of funding earning assets | 0.4927% | 5,668 |
Net interest margin | 1.1717% | 7,200 |
Noninterest income to average assets | 0.0023% | 6,983 |
Noninterest expense to average assets | 0.2080% | 7,239 |
Loan and lease loss provision to assets | 0.0070% | 5,568 |
Net operating income to assets | 0.9482% | 2,666 |
Return on assets (ROA) | 1.0099% | 2,640 |
Pretax return on assets | 1.0100% | 3,662 |
Return on Equity (ROE) | 11.6331% | 1,796 |
Retained earnings to average equity (ytd only) | 8.6275% | 1,406 |
Net charge-offs to loans | 0.0247% | 5,041 |
Credit loss provision to net charge-offs | 1,796.2963% | 177 |
Earnings coverage of net charge-offs (x) | 2,457.3333% | 8 |
Efficiency ratio | 17.8821% | 7,219 |
Assets per employee ($millions) | 557.8185% | 4 |
Cash dividends to net income (ytd only)* | 25.8368% | 2,776 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.7987% | 6,673 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
Noncurrent loans to loans | 0.0000% | 6,740 |
Net loans and leases to total assets | 1.7599% | 7,200 |
Net loans and leases to deposits | 1.9368% | 7,205 |
Net loans and leases to core deposits | 24.3067% | 7,095 |
Total domestic deposits to total assets | 90.8659% | 496 |
Equity capital to assets | 8.8995% | 5,806 |
Core capital (leverage) ratio | 7.8227% | 6,433 |
Tier 1 risk-based capital ratio | 32.0668% | 434 |
Total risk-based capital ratio | 32.1248% | 476 |
Memoranda: | ||
Average total assets | $13,892,395,000 | 83 |
Average earning assets | $13,763,801,000 | 77 |
Average equity | $1,206,079,330 | 113 |
Average total loans | $218,578,670 | 1,866 |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 1.6139% | 7,260 |
Cost of funding earning assets | 0.4971% | 5,838 |
Net interest margin | 1.1168% | 7,266 |
Noninterest income to average assets | 0.0014% | 7,086 |
Noninterest expense to average assets | 0.2049% | 7,304 |
Loan and lease loss provision to assets | 0.0044% | 5,216 |
Net operating income to assets | 0.8993% | 2,918 |
Return on assets (ROA) | 0.9440% | 2,932 |
Pretax return on assets | 0.9440% | 3,888 |
Return on Equity (ROE) | 11.0208% | 2,009 |
Retained earnings to average equity (ytd only) | 4.7914% | 3,681 |
Net charge-offs to loans | 0.0000% | 4,730 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 18.4795% | 7,278 |
Assets per employee ($millions) | 600.8259% | 4 |
Cash dividends to net income (ytd only)* | 56.5245% | 1,286 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8330% | 6,683 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
Noncurrent loans to loans | 0.0000% | 6,812 |
Net loans and leases to total assets | 1.5050% | 7,265 |
Net loans and leases to deposits | 1.6490% | 7,267 |
Net loans and leases to core deposits | 22.7545% | 7,169 |
Total domestic deposits to total assets | 91.2702% | 445 |
Equity capital to assets | 8.5607% | 6,030 |
Core capital (leverage) ratio | 7.9344% | 6,309 |
Tier 1 risk-based capital ratio | 36.6512% | 297 |
Total risk-based capital ratio | 36.7096% | 321 |
Memoranda: | ||
Average total assets | $13,586,952,000 | 85 |
Average earning assets | $13,470,852,500 | 77 |
Average equity | $1,163,758,000 | 114 |
Average total loans | $199,222,000 | 2,041 |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 1.7951% | 7,301 |
Cost of funding earning assets | 0.5907% | 6,127 |
Net interest margin | 1.2044% | 7,311 |
Noninterest income to average assets | 0.0005% | 6,979 |
Noninterest expense to average assets | 0.2506% | 7,350 |
Loan and lease loss provision to assets | 0.0072% | 6,440 |
Net operating income to assets | 0.9379% | 2,456 |
Return on assets (ROA) | 1.0692% | 2,068 |
Pretax return on assets | 1.0692% | 2,957 |
Return on Equity (ROE) | 12.0520% | 1,391 |
Retained earnings to average equity (ytd only) | 10.0781% | 547 |
Net charge-offs to loans | 0.0000% | 6,441 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 19.6477% | 7,333 |
Assets per employee ($millions) | 667.7455% | 4 |
Cash dividends to net income (ytd only)* | 16.3779% | 3,673 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8462% | 6,650 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
Noncurrent loans to loans | 0.0000% | 6,879 |
Net loans and leases to total assets | 1.4011% | 7,313 |
Net loans and leases to deposits | 1.5344% | 7,316 |
Net loans and leases to core deposits | 20.7706% | 7,246 |
Total domestic deposits to total assets | 91.3160% | 395 |
Equity capital to assets | 8.5700% | 6,053 |
Core capital (leverage) ratio | 8.1436% | 6,079 |
Tier 1 risk-based capital ratio | 41.3417% | 211 |
Total risk-based capital ratio | 41.4027% | 221 |
Memoranda: | ||
Average total assets | $10,094,471,800 | 106 |
Average earning assets | $10,018,020,200 | 95 |
Average equity | $895,553,800 | 130 |
Average total loans | $108,554,600 | 3,415 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 1.8136% | 7,378 |
Cost of funding earning assets | 0.6166% | 6,204 |
Net interest margin | 1.1969% | 7,388 |
Noninterest income to average assets | 0.0003% | 7,098 |
Noninterest expense to average assets | 0.2570% | 7,428 |
Loan and lease loss provision to assets | 0.0104% | 6,303 |
Net operating income to assets | 0.9200% | 2,672 |
Return on assets (ROA) | 1.0530% | 2,271 |
Pretax return on assets | 1.0530% | 3,195 |
Return on Equity (ROE) | 11.7257% | 1,611 |
Retained earnings to average equity (ytd only) | 9.6694% | 935 |
Net charge-offs to loans | 0.0000% | 6,185 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 20.1157% | 7,403 |
Assets per employee ($millions) | 783.5648% | 4 |
Cash dividends to net income (ytd only)* | 17.5368% | 3,026 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8611% | 6,694 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
Noncurrent loans to loans | 0.0000% | 6,971 |
Net loans and leases to total assets | 1.3794% | 7,393 |
Net loans and leases to deposits | 1.5420% | 7,394 |
Net loans and leases to core deposits | 26.8519% | 7,269 |
Total domestic deposits to total assets | 89.4591% | 1,162 |
Equity capital to assets | 8.7079% | 6,076 |
Core capital (leverage) ratio | 7.9669% | 6,427 |
Tier 1 risk-based capital ratio | 41.0654% | 228 |
Total risk-based capital ratio | 41.1277% | 246 |
Memoranda: | ||
Average total assets | $9,279,362,500 | 116 |
Average earning assets | $9,203,223,000 | 103 |
Average equity | $833,313,250 | 137 |
Average total loans | $88,514,000 | 3,938 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.0233% | 7,445 |
Cost of funding earning assets | 0.6956% | 5,992 |
Net interest margin | 1.3276% | 7,456 |
Noninterest income to average assets | 0.0002% | 7,187 |
Noninterest expense to average assets | 0.3008% | 7,499 |
Loan and lease loss provision to assets | 0.0000% | 6,217 |
Net operating income to assets | 1.0147% | 2,169 |
Return on assets (ROA) | 1.0638% | 2,080 |
Pretax return on assets | 1.0638% | 2,991 |
Return on Equity (ROE) | 11.6479% | 1,590 |
Retained earnings to average equity (ytd only) | 9.4319% | 978 |
Net charge-offs to loans | 0.0000% | 5,875 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 21.0561% | 7,474 |
Assets per employee ($millions) | 540.3296% | 5 |
Cash dividends to net income (ytd only)* | 19.0254% | 2,892 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0555% | 6,117 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
Noncurrent loans to loans | 0.0000% | 7,026 |
Net loans and leases to total assets | 1.0085% | 7,467 |
Net loans and leases to deposits | 1.1220% | 7,468 |
Net loans and leases to core deposits | 21.3642% | 7,397 |
Total domestic deposits to total assets | 89.8821% | 1,028 |
Equity capital to assets | 9.5536% | 4,732 |
Core capital (leverage) ratio | 8.1892% | 6,049 |
Tier 1 risk-based capital ratio | 31.8253% | 460 |
Total risk-based capital ratio | 31.8677% | 500 |
Memoranda: | ||
Average total assets | $7,932,282,670 | 128 |
Average earning assets | $7,858,488,670 | 119 |
Average equity | $724,437,000 | 149 |
Average total loans | $56,237,670 | 5,108 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.0679% | 7,506 |
Cost of funding earning assets | 0.6998% | 6,140 |
Net interest margin | 1.3681% | 7,513 |
Noninterest income to average assets | 0.0001% | 7,287 |
Noninterest expense to average assets | 0.3400% | 7,557 |
Loan and lease loss provision to assets | 0.0000% | 5,840 |
Net operating income to assets | 1.0149% | 2,135 |
Return on assets (ROA) | 1.0405% | 2,088 |
Pretax return on assets | 1.0405% | 2,985 |
Return on Equity (ROE) | 11.6712% | 1,554 |
Retained earnings to average equity (ytd only) | 9.8402% | 1,153 |
Net charge-offs to loans | 0.0000% | 5,107 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 22.7386% | 7,523 |
Assets per employee ($millions) | 660.8073% | 4 |
Cash dividends to net income (ytd only)* | 15.6884% | 2,284 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0128% | 6,344 |
Loan loss allowance to noncurrent loans | 4,152.3810% | 116 |
Noncurrent assets plus other real estate owned to assets | 0.0003% | 7,221 |
Noncurrent loans to loans | 0.0244% | 7,005 |
Net loans and leases to total assets | 1.0748% | 7,528 |
Net loans and leases to deposits | 1.1821% | 7,530 |
Net loans and leases to core deposits | 23.8701% | 7,443 |
Total domestic deposits to total assets | 90.9210% | 667 |
Equity capital to assets | 8.8402% | 5,430 |
Core capital (leverage) ratio | 8.0974% | 6,136 |
Tier 1 risk-based capital ratio | 32.0505% | 434 |
Total risk-based capital ratio | 32.0944% | 475 |
Memoranda: | ||
Average total assets | $7,845,952,000 | 131 |
Average earning assets | $7,769,443,500 | 124 |
Average equity | $699,500,500 | 153 |
Average total loans | $43,050,500 | 5,704 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.1558% | 7,555 |
Cost of funding earning assets | 0.7475% | 6,745 |
Net interest margin | 1.4083% | 7,555 |
Noninterest income to average assets | 0.0000% | 7,282 |
Noninterest expense to average assets | 0.2592% | 7,632 |
Loan and lease loss provision to assets | 0.0000% | 7,042 |
Net operating income to assets | 1.1347% | 1,596 |
Return on assets (ROA) | 1.1971% | 1,501 |
Pretax return on assets | 1.1971% | 2,235 |
Return on Equity (ROE) | 12.8217% | 1,138 |
Retained earnings to average equity (ytd only) | 8.9089% | 729 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 18.5546% | 7,627 |
Assets per employee ($millions) | 776.2217% | 5 |
Cash dividends to net income (ytd only)* | 30.5172% | 3,019 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
Noncurrent loans to loans | NA | NA |
Net loans and leases to total assets | 0.0000% | 7,616 |
Net loans and leases to deposits | 0.0000% | 7,616 |
Net loans and leases to core deposits | 0.0000% | 7,598 |
Total domestic deposits to total assets | 90.7639% | 711 |
Equity capital to assets | 8.9923% | 5,149 |
Core capital (leverage) ratio | 8.0649% | 6,086 |
Tier 1 risk-based capital ratio | 32.8205% | 412 |
Total risk-based capital ratio | 32.8205% | 436 |
Memoranda: | ||
Average total assets | $7,014,452,200 | 142 |
Average earning assets | $6,942,706,400 | 133 |
Average equity | $654,896,400 | 158 |
Average total loans | NA | NA |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.2351% | 7,680 |
Cost of funding earning assets | 0.7697% | 6,842 |
Net interest margin | 1.4653% | 7,676 |
Noninterest income to average assets | 0.0000% | 7,437 |
Noninterest expense to average assets | 0.2591% | 7,746 |
Loan and lease loss provision to assets | 0.0000% | 6,977 |
Net operating income to assets | 1.1908% | 1,614 |
Return on assets (ROA) | 1.2462% | 1,558 |
Pretax return on assets | 1.2462% | 2,349 |
Return on Equity (ROE) | 13.2090% | 1,206 |
Retained earnings to average equity (ytd only) | 9.2916% | 967 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 17.8313% | 7,734 |
Assets per employee ($millions) | 800.4536% | 5 |
Cash dividends to net income (ytd only)* | 29.6570% | 2,557 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
Noncurrent loans to loans | NA | NA |
Net loans and leases to total assets | 0.0000% | 7,720 |
Net loans and leases to deposits | 0.0000% | 7,720 |
Net loans and leases to core deposits | 0.0000% | 7,701 |
Total domestic deposits to total assets | 89.9144% | 923 |
Equity capital to assets | 9.7709% | 4,452 |
Core capital (leverage) ratio | 8.2081% | 6,021 |
Tier 1 risk-based capital ratio | 37.5528% | 293 |
Total risk-based capital ratio | 37.5528% | 313 |
Memoranda: | ||
Average total assets | $6,827,511,000 | 143 |
Average earning assets | $6,755,603,250 | 133 |
Average equity | $644,119,500 | 158 |
Average total loans | NA | NA |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.2796% | 7,758 |
Cost of funding earning assets | 0.8026% | 6,911 |
Net interest margin | 1.4770% | 7,747 |
Noninterest income to average assets | 0.0000% | 7,524 |
Noninterest expense to average assets | 0.2553% | 7,815 |
Loan and lease loss provision to assets | 0.0000% | 6,857 |
Net operating income to assets | 1.2057% | 1,544 |
Return on assets (ROA) | 1.2727% | 1,440 |
Pretax return on assets | 1.2727% | 2,177 |
Return on Equity (ROE) | 13.6653% | 1,106 |
Retained earnings to average equity (ytd only) | 8.6028% | 1,228 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 17.4346% | 7,800 |
Assets per employee ($millions) | 870.4916% | 5 |
Cash dividends to net income (ytd only)* | 37.0466% | 2,217 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
Noncurrent loans to loans | NA | NA |
Net loans and leases to total assets | 0.0000% | 7,788 |
Net loans and leases to deposits | 0.0000% | 7,788 |
Net loans and leases to core deposits | 0.0000% | 7,770 |
Total domestic deposits to total assets | 90.0084% | 916 |
Equity capital to assets | 9.7845% | 4,288 |
Core capital (leverage) ratio | 8.2271% | 5,899 |
Tier 1 risk-based capital ratio | 36.8950% | 304 |
Total risk-based capital ratio | 36.8950% | 324 |
Memoranda: | ||
Average total assets | $6,701,987,330 | 144 |
Average earning assets | $6,629,780,000 | 138 |
Average equity | $624,192,000 | 163 |
Average total loans | NA | NA |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.2864% | 7,863 |
Cost of funding earning assets | 0.8325% | 6,989 |
Net interest margin | 1.4538% | 7,838 |
Noninterest income to average assets | 0.0000% | 7,655 |
Noninterest expense to average assets | 0.2210% | 7,924 |
Loan and lease loss provision to assets | 0.0000% | 6,552 |
Net operating income to assets | 1.2165% | 1,493 |
Return on assets (ROA) | 1.2600% | 1,457 |
Pretax return on assets | 1.2600% | 2,175 |
Return on Equity (ROE) | 13.9007% | 1,070 |
Retained earnings to average equity (ytd only) | 7.1176% | 2,083 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 15.3335% | 7,909 |
Assets per employee ($millions) | 854.1259% | 5 |
Cash dividends to net income (ytd only)* | 48.7970% | 1,508 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
Noncurrent loans to loans | NA | NA |
Net loans and leases to total assets | 0.0000% | 7,889 |
Net loans and leases to deposits | 0.0000% | 7,889 |
Net loans and leases to core deposits | 0.0000% | 7,870 |
Total domestic deposits to total assets | 90.6463% | 676 |
Equity capital to assets | 9.0637% | 5,184 |
Core capital (leverage) ratio | 8.0903% | 6,099 |
Tier 1 risk-based capital ratio | 34.3126% | 376 |
Total risk-based capital ratio | 34.3126% | 401 |
Memoranda: | ||
Average total assets | $6,571,014,500 | 147 |
Average earning assets | $6,497,332,000 | 139 |
Average equity | $595,595,000 | 169 |
Average total loans | NA | NA |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.1092% | 7,924 |
Cost of funding earning assets | 0.4778% | 7,848 |
Net interest margin | 1.6313% | 7,847 |
Noninterest income to average assets | 0.0000% | 7,693 |
Noninterest expense to average assets | 0.2898% | 7,999 |
Loan and lease loss provision to assets | 0.0000% | 7,427 |
Net operating income to assets | 1.3308% | 974 |
Return on assets (ROA) | 1.3373% | 1,009 |
Pretax return on assets | 1.3373% | 1,593 |
Return on Equity (ROE) | 14.8305% | 692 |
Retained earnings to average equity (ytd only) | 12.1531% | 197 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 17.8294% | 7,982 |
Assets per employee ($millions) | 788.6278% | 8 |
Cash dividends to net income (ytd only)* | 18.0533% | 3,716 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
Noncurrent loans to loans | NA | NA |
Net loans and leases to total assets | 0.0000% | 7,964 |
Net loans and leases to deposits | 0.0000% | 7,964 |
Net loans and leases to core deposits | 0.0000% | 7,957 |
Total domestic deposits to total assets | 90.2984% | 836 |
Equity capital to assets | 9.0643% | 5,041 |
Core capital (leverage) ratio | 8.1837% | 5,844 |
Tier 1 risk-based capital ratio | 34.3171% | 360 |
Total risk-based capital ratio | 34.3171% | 394 |
Memoranda: | ||
Average total assets | $4,655,808,000 | 184 |
Average earning assets | $4,625,251,000 | 163 |
Average equity | $419,810,800 | 207 |
Average total loans | NA | NA |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.0730% | 8,028 |
Cost of funding earning assets | 0.3021% | 8,003 |
Net interest margin | 1.7709% | 7,894 |
Noninterest income to average assets | 0.0000% | 7,834 |
Noninterest expense to average assets | 0.3156% | 8,087 |
Loan and lease loss provision to assets | 0.0000% | 7,284 |
Net operating income to assets | 1.4463% | 927 |
Return on assets (ROA) | 1.4557% | 964 |
Pretax return on assets | 1.4557% | 1,537 |
Return on Equity (ROE) | 16.1758% | 627 |
Retained earnings to average equity (ytd only) | 12.2506% | 322 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 17.8585% | 8,062 |
Assets per employee ($millions) | 918.9815% | 8 |
Cash dividends to net income (ytd only)* | 24.2660% | 3,082 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
Noncurrent loans to loans | NA | NA |
Net loans and leases to total assets | 0.0000% | 8,051 |
Net loans and leases to deposits | 0.0000% | 8,051 |
Net loans and leases to core deposits | 0.0000% | 8,041 |
Total domestic deposits to total assets | 90.3842% | 626 |
Equity capital to assets | 9.2439% | 5,098 |
Core capital (leverage) ratio | 8.0891% | 6,201 |
Tier 1 risk-based capital ratio | 38.2742% | 311 |
Total risk-based capital ratio | 38.2742% | 325 |
Memoranda: | ||
Average total assets | $4,242,504,500 | 208 |
Average earning assets | $4,221,059,250 | 187 |
Average equity | $381,796,000 | 227 |
Average total loans | NA | NA |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.0574% | 8,122 |
Cost of funding earning assets | 0.3037% | 8,098 |
Net interest margin | 1.7537% | 7,956 |
Noninterest income to average assets | 0.0000% | 7,938 |
Noninterest expense to average assets | 0.3535% | 8,181 |
Loan and lease loss provision to assets | 0.0000% | 7,158 |
Net operating income to assets | 1.3930% | 1,040 |
Return on assets (ROA) | 1.4087% | 1,078 |
Pretax return on assets | 1.4087% | 1,699 |
Return on Equity (ROE) | 15.8615% | 717 |
Retained earnings to average equity (ytd only) | 15.6403% | 174 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 20.1781% | 8,143 |
Assets per employee ($millions) | 675.3497% | 10 |
Cash dividends to net income (ytd only)* | 1.3942% | 3,519 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
Noncurrent loans to loans | NA | NA |
Net loans and leases to total assets | 0.0000% | 8,143 |
Net loans and leases to deposits | 0.0000% | 8,143 |
Net loans and leases to core deposits | 0.0000% | 8,133 |
Total domestic deposits to total assets | 90.7105% | 554 |
Equity capital to assets | 9.1773% | 5,052 |
Core capital (leverage) ratio | 8.2716% | 5,854 |
Tier 1 risk-based capital ratio | 33.6408% | 457 |
Total risk-based capital ratio | 33.6408% | 475 |
Memoranda: | ||
Average total assets | $3,818,709,670 | 229 |
Average earning assets | $3,803,239,330 | 209 |
Average equity | $339,161,670 | 239 |
Average total loans | NA | NA |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 1.6760% | 8,199 |
Cost of funding earning assets | 0.3014% | 8,155 |
Net interest margin | 1.3745% | 8,091 |
Noninterest income to average assets | 0.0000% | 8,039 |
Noninterest expense to average assets | 0.1119% | 8,239 |
Loan and lease loss provision to assets | 0.0000% | 6,744 |
Net operating income to assets | 1.2582% | 1,485 |
Return on assets (ROA) | 1.2582% | 1,585 |
Pretax return on assets | 1.2582% | 2,420 |
Return on Equity (ROE) | 14.4297% | 1,083 |
Retained earnings to average equity (ytd only) | 14.4297% | 476 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 8.0908% | 8,212 |
Assets per employee ($millions) | 928.2490% | 8 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
Noncurrent loans to loans | NA | NA |
Net loans and leases to total assets | 0.0000% | 8,196 |
Net loans and leases to deposits | 0.0000% | 8,196 |
Net loans and leases to core deposits | 0.0000% | 8,185 |
Total domestic deposits to total assets | 91.0215% | 408 |
Equity capital to assets | 8.9611% | 5,398 |
Core capital (leverage) ratio | 8.5735% | 5,385 |
Tier 1 risk-based capital ratio | 36.1493% | 401 |
Total risk-based capital ratio | 36.1493% | 428 |
Memoranda: | ||
Average total assets | $3,702,015,500 | 234 |
Average earning assets | $3,690,254,500 | 211 |
Average equity | $322,806,000 | 251 |
Average total loans | NA | NA |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 0.3335% | 8,290 |
Cost of funding earning assets | 0.0252% | 8,283 |
Net interest margin | 0.3083% | 8,280 |
Noninterest income to average assets | 0.0000% | 8,110 |
Noninterest expense to average assets | 0.0452% | 8,296 |
Loan and lease loss provision to assets | 0.0000% | 7,334 |
Net operating income to assets | 0.2623% | 5,673 |
Return on assets (ROA) | 0.2623% | 5,491 |
Pretax return on assets | 0.2623% | 5,596 |
Return on Equity (ROE) | 1.7327% | 5,695 |
Retained earnings to average equity (ytd only) | 1.7327% | 4,173 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 14.5414% | 8,274 |
Assets per employee ($millions) | 922.7588% | 7 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
Noncurrent loans to loans | NA | NA |
Net loans and leases to total assets | 0.0000% | 8,249 |
Net loans and leases to deposits | 0.0000% | 8,249 |
Net loans and leases to core deposits | 0.0000% | 8,238 |
Total domestic deposits to total assets | 91.5197% | 205 |
Equity capital to assets | 8.4769% | 6,123 |
Core capital (leverage) ratio | 8.2894% | 5,973 |
Tier 1 risk-based capital ratio | 147.1310% | 53 |
Total risk-based capital ratio | 147.1310% | 54 |
Memoranda: | ||
Average total assets | $2,035,109,500 | 355 |
Average earning assets | $2,030,022,000 | 324 |
Average equity | $308,072,500 | 262 |
Average total loans | NA | NA |