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Security 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 | 5.4031% | 275 |
Cost of funding earning assets | 0.3551% | 3,529 |
Net interest margin | 5.0479% | 205 |
Noninterest income to average assets | 0.5228% | 2,877 |
Noninterest expense to average assets | 4.1022% | 468 |
Loan and lease loss provision to assets | 0.0362% | 3,282 |
Net operating income to assets | 1.0980% | 1,986 |
Return on assets (ROA) | 1.0980% | 2,042 |
Pretax return on assets | 0.9009% | 3,931 |
Return on Equity (ROE) | 13.1969% | 980 |
Retained earnings to average equity (ytd only) | -5.1241% | 5,539 |
Net charge-offs to loans | 0.0682% | 1,953 |
Credit loss provision to net charge-offs | 64.2857% | 2,425 |
Earnings coverage of net charge-offs (x) | 16.6429% | 1,971 |
Efficiency ratio | 81.4046% | 1,061 |
Assets per employee ($millions) | 2.3870% | 5,593 |
Cash dividends to net income (ytd only)* | 138.8278% | 196 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0630% | 3,770 |
Loan loss allowance to noncurrent loans | 1,666.6667% | 392 |
Noncurrent assets plus other real estate owned to assets | 0.2573% | 4,095 |
Noncurrent loans to loans | 0.0638% | 4,871 |
Net loans and leases to total assets | 83.5558% | 483 |
Net loans and leases to deposits | 96.5069% | 1,031 |
Net loans and leases to core deposits | 97.0885% | 1,881 |
Total domestic deposits to total assets | 86.5801% | 2,138 |
Equity capital to assets | 8.0057% | 5,537 |
Core capital (leverage) ratio | 7.9988% | 5,527 |
Tier 1 risk-based capital ratio | 10.1098% | 5,604 |
Total risk-based capital ratio | 11.2435% | 5,588 |
Memoranda: | ||
Average total assets | $49,729,000 | 5,253 |
Average earning assets | $44,493,330 | 5,278 |
Average equity | $4,137,330 | 5,503 |
Average total loans | $41,062,000 | 4,774 |
2017-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.4050% | 270 |
Cost of funding earning assets | 0.3094% | 3,947 |
Net interest margin | 5.0957% | 188 |
Noninterest income to average assets | 0.5895% | 2,463 |
Noninterest expense to average assets | 4.1510% | 448 |
Loan and lease loss provision to assets | 0.0404% | 2,995 |
Net operating income to assets | 1.3164% | 1,199 |
Return on assets (ROA) | 1.3164% | 1,233 |
Pretax return on assets | 0.9207% | 3,691 |
Return on Equity (ROE) | 15.5257% | 587 |
Retained earnings to average equity (ytd only) | 15.5257% | 214 |
Net charge-offs to loans | 0.0297% | 2,166 |
Credit loss provision to net charge-offs | 166.6667% | 1,134 |
Earnings coverage of net charge-offs (x) | 39.6667% | 1,044 |
Efficiency ratio | 81.2006% | 1,239 |
Assets per employee ($millions) | 2.3586% | 5,669 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1283% | 3,529 |
Loan loss allowance to noncurrent loans | 737.0968% | 758 |
Noncurrent assets plus other real estate owned to assets | 0.5370% | 3,083 |
Noncurrent loans to loans | 0.1531% | 4,577 |
Net loans and leases to total assets | 80.8484% | 716 |
Net loans and leases to deposits | 92.6496% | 1,256 |
Net loans and leases to core deposits | 93.2103% | 2,046 |
Total domestic deposits to total assets | 87.2625% | 2,086 |
Equity capital to assets | 8.6491% | 5,110 |
Core capital (leverage) ratio | 8.4259% | 5,279 |
Tier 1 risk-based capital ratio | 10.9948% | 5,314 |
Total risk-based capital ratio | 12.2535% | 5,217 |
Memoranda: | ||
Average total assets | $49,530,000 | 5,319 |
Average earning assets | $43,959,000 | 5,347 |
Average equity | $4,199,500 | 5,548 |
Average total loans | $40,426,000 | 4,834 |
2016-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.4320% | 273 |
Cost of funding earning assets | 0.2868% | 4,203 |
Net interest margin | 5.1452% | 184 |
Noninterest income to average assets | 0.5039% | 3,216 |
Noninterest expense to average assets | 4.0209% | 582 |
Loan and lease loss provision to assets | 0.0000% | 4,332 |
Net operating income to assets | 0.9524% | 2,570 |
Return on assets (ROA) | 0.9524% | 2,679 |
Pretax return on assets | 1.0036% | 3,466 |
Return on Equity (ROE) | 11.0719% | 1,553 |
Retained earnings to average equity (ytd only) | -0.8440% | 5,424 |
Net charge-offs to loans | 0.0138% | 3,822 |
Credit loss provision to net charge-offs | 0.0000% | 3,785 |
Earnings coverage of net charge-offs (x) | 94.0000% | 631 |
Efficiency ratio | 80.0255% | 1,416 |
Assets per employee ($millions) | 2.6068% | 5,616 |
Cash dividends to net income (ytd only)* | 107.6233% | 287 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1276% | 3,553 |
Loan loss allowance to noncurrent loans | 1,109.7561% | 559 |
Noncurrent assets plus other real estate owned to assets | 0.5068% | 3,236 |
Noncurrent loans to loans | 0.1016% | 4,826 |
Net loans and leases to total assets | 80.5488% | 804 |
Net loans and leases to deposits | 93.6392% | 1,234 |
Net loans and leases to core deposits | 94.2142% | 2,083 |
Total domestic deposits to total assets | 86.0203% | 2,573 |
Equity capital to assets | 8.3083% | 5,413 |
Core capital (leverage) ratio | 8.4539% | 5,307 |
Tier 1 risk-based capital ratio | 11.3352% | 5,150 |
Total risk-based capital ratio | 12.6514% | 5,017 |
Memoranda: | ||
Average total assets | $46,830,600 | 5,407 |
Average earning assets | $41,145,200 | 5,440 |
Average equity | $4,028,200 | 5,636 |
Average total loans | $36,245,600 | 5,012 |
2016-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3677% | 319 |
Cost of funding earning assets | 0.2867% | 4,233 |
Net interest margin | 5.0810% | 217 |
Noninterest income to average assets | 0.5113% | 3,175 |
Noninterest expense to average assets | 3.8651% | 700 |
Loan and lease loss provision to assets | 0.0000% | 4,186 |
Net operating income to assets | 1.0486% | 2,203 |
Return on assets (ROA) | 1.0486% | 2,334 |
Pretax return on assets | 1.1006% | 3,232 |
Return on Equity (ROE) | 12.0801% | 1,302 |
Retained earnings to average equity (ytd only) | -3.8937% | 5,689 |
Net charge-offs to loans | -0.0038% | 4,565 |
Credit loss provision to net charge-offs | 0.0000% | 3,412 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 77.8360% | 1,709 |
Assets per employee ($millions) | 2.4741% | 5,736 |
Cash dividends to net income (ytd only)* | 132.2300% | 171 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2333% | 3,043 |
Loan loss allowance to noncurrent loans | 960.4167% | 604 |
Noncurrent assets plus other real estate owned to assets | 0.5489% | 3,262 |
Noncurrent loans to loans | 0.1284% | 4,826 |
Net loans and leases to total assets | 78.5372% | 1,112 |
Net loans and leases to deposits | 86.3478% | 2,227 |
Net loans and leases to core deposits | 87.4171% | 2,812 |
Total domestic deposits to total assets | 90.9545% | 202 |
Equity capital to assets | 8.6179% | 5,461 |
Core capital (leverage) ratio | 8.7409% | 5,112 |
Tier 1 risk-based capital ratio | 10.5681% | 5,590 |
Total risk-based capital ratio | 11.9000% | 5,467 |
Memoranda: | ||
Average total assets | $46,156,000 | 5,473 |
Average earning assets | $40,463,250 | 5,514 |
Average equity | $4,006,500 | 5,706 |
Average total loans | $35,219,500 | 5,086 |
2016-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2836% | 371 |
Cost of funding earning assets | 0.2880% | 4,265 |
Net interest margin | 4.9956% | 254 |
Noninterest income to average assets | 0.5188% | 3,077 |
Noninterest expense to average assets | 3.7931% | 774 |
Loan and lease loss provision to assets | 0.0000% | 4,017 |
Net operating income to assets | 1.0595% | 2,128 |
Return on assets (ROA) | 1.0595% | 2,254 |
Pretax return on assets | 1.1118% | 3,154 |
Return on Equity (ROE) | 12.1754% | 1,248 |
Retained earnings to average equity (ytd only) | -11.8747% | 5,903 |
Net charge-offs to loans | -0.0058% | 4,565 |
Credit loss provision to net charge-offs | 0.0000% | 3,050 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 77.3333% | 1,879 |
Assets per employee ($millions) | 2.3765% | 5,838 |
Cash dividends to net income (ytd only)* | 197.5309% | 110 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3414% | 2,567 |
Loan loss allowance to noncurrent loans | 1,317.1429% | 463 |
Noncurrent assets plus other real estate owned to assets | 0.5426% | 3,405 |
Noncurrent loans to loans | 0.1018% | 5,041 |
Net loans and leases to total assets | 75.0897% | 1,632 |
Net loans and leases to deposits | 82.6009% | 2,638 |
Net loans and leases to core deposits | 83.6669% | 3,112 |
Total domestic deposits to total assets | 90.9067% | 208 |
Equity capital to assets | 8.7235% | 5,462 |
Core capital (leverage) ratio | 8.5759% | 5,288 |
Tier 1 risk-based capital ratio | 11.6329% | 5,072 |
Total risk-based capital ratio | 12.7546% | 5,037 |
Memoranda: | ||
Average total assets | $45,872,330 | 5,544 |
Average earning assets | $40,275,330 | 5,581 |
Average equity | $3,991,670 | 5,770 |
Average total loans | $34,499,670 | 5,158 |
2016-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2637% | 376 |
Cost of funding earning assets | 0.3044% | 4,111 |
Net interest margin | 4.9593% | 273 |
Noninterest income to average assets | 0.5883% | 2,601 |
Noninterest expense to average assets | 3.7550% | 836 |
Loan and lease loss provision to assets | 0.0000% | 3,656 |
Net operating income to assets | 1.1507% | 1,709 |
Return on assets (ROA) | 1.1507% | 1,822 |
Pretax return on assets | 1.2026% | 2,692 |
Return on Equity (ROE) | 13.2404% | 985 |
Retained earnings to average equity (ytd only) | -32.5535% | 6,033 |
Net charge-offs to loans | 0.0116% | 2,738 |
Credit loss provision to net charge-offs | 0.0000% | 2,416 |
Earnings coverage of net charge-offs (x) | 139.0000% | 428 |
Efficiency ratio | 75.7417% | 2,213 |
Assets per employee ($millions) | 2.6652% | 5,751 |
Cash dividends to net income (ytd only)* | 345.8647% | 88 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3899% | 2,469 |
Loan loss allowance to noncurrent loans | 1,912.5000% | 334 |
Noncurrent assets plus other real estate owned to assets | 0.5165% | 3,532 |
Noncurrent loans to loans | 0.0727% | 5,189 |
Net loans and leases to total assets | 71.8769% | 2,060 |
Net loans and leases to deposits | 78.6466% | 2,929 |
Net loans and leases to core deposits | 79.6507% | 3,353 |
Total domestic deposits to total assets | 91.3922% | 180 |
Equity capital to assets | 8.4974% | 5,563 |
Core capital (leverage) ratio | 8.2989% | 5,570 |
Tier 1 risk-based capital ratio | 11.9293% | 4,954 |
Total risk-based capital ratio | 13.1822% | 4,868 |
Memoranda: | ||
Average total assets | $46,231,500 | 5,590 |
Average earning assets | $40,731,500 | 5,621 |
Average equity | $4,018,000 | 5,810 |
Average total loans | $34,566,000 | 5,193 |
2015-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2955% | 370 |
Cost of funding earning assets | 0.2857% | 4,409 |
Net interest margin | 5.0098% | 249 |
Noninterest income to average assets | 1.0399% | 1,092 |
Noninterest expense to average assets | 3.6998% | 979 |
Loan and lease loss provision to assets | 0.0424% | 3,486 |
Net operating income to assets | 1.8658% | 431 |
Return on assets (ROA) | 1.8658% | 441 |
Pretax return on assets | 1.7536% | 884 |
Return on Equity (ROE) | 20.8738% | 205 |
Retained earnings to average equity (ytd only) | 2.2746% | 4,428 |
Net charge-offs to loans | -0.1343% | 5,860 |
Credit loss provision to net charge-offs | -41.6667% | 5,039 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 67.3218% | 3,690 |
Assets per employee ($millions) | 2.4818% | 5,900 |
Cash dividends to net income (ytd only)* | 89.1033% | 630 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2740% | 3,043 |
Loan loss allowance to noncurrent loans | 1,095.2381% | 555 |
Noncurrent assets plus other real estate owned to assets | 0.5344% | 3,503 |
Noncurrent loans to loans | 0.1163% | 5,028 |
Net loans and leases to total assets | 75.5954% | 1,479 |
Net loans and leases to deposits | 86.4421% | 2,069 |
Net loans and leases to core deposits | 88.6609% | 2,538 |
Total domestic deposits to total assets | 87.4520% | 1,905 |
Equity capital to assets | 8.8771% | 5,241 |
Core capital (leverage) ratio | 8.7136% | 5,200 |
Tier 1 risk-based capital ratio | 9.4830% | 6,047 |
Total risk-based capital ratio | 10.5405% | 6,068 |
Memoranda: | ||
Average total assets | $47,218,200 | 5,605 |
Average earning assets | $41,997,800 | 5,635 |
Average equity | $4,220,600 | 5,818 |
Average total loans | $35,745,600 | 5,162 |
2015-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3021% | 372 |
Cost of funding earning assets | 0.2884% | 4,465 |
Net interest margin | 5.0137% | 246 |
Noninterest income to average assets | 1.2420% | 784 |
Noninterest expense to average assets | 3.5143% | 1,257 |
Loan and lease loss provision to assets | 0.0565% | 3,061 |
Net operating income to assets | 2.3034% | 217 |
Return on assets (ROA) | 2.3034% | 227 |
Pretax return on assets | 2.1368% | 470 |
Return on Equity (ROE) | 25.7249% | 101 |
Retained earnings to average equity (ytd only) | 4.1298% | 3,527 |
Net charge-offs to loans | -0.1795% | 5,964 |
Credit loss provision to net charge-offs | -41.6667% | 4,946 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 61.5727% | 4,637 |
Assets per employee ($millions) | 2.6501% | 5,869 |
Cash dividends to net income (ytd only)* | 83.9462% | 650 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2988% | 3,103 |
Loan loss allowance to noncurrent loans | 621.6216% | 841 |
Noncurrent assets plus other real estate owned to assets | 0.5954% | 3,490 |
Noncurrent loans to loans | 0.2089% | 4,811 |
Net loans and leases to total assets | 73.2836% | 1,855 |
Net loans and leases to deposits | 81.9260% | 2,654 |
Net loans and leases to core deposits | 83.9546% | 3,045 |
Total domestic deposits to total assets | 89.4510% | 797 |
Equity capital to assets | 8.8803% | 5,416 |
Core capital (leverage) ratio | 8.7245% | 5,322 |
Tier 1 risk-based capital ratio | 10.1001% | 6,011 |
Total risk-based capital ratio | 11.2175% | 6,012 |
Memoranda: | ||
Average total assets | $47,234,000 | 5,674 |
Average earning assets | $42,070,000 | 5,701 |
Average equity | $4,229,250 | 5,892 |
Average total loans | $35,655,250 | 5,228 |
2015-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2317% | 407 |
Cost of funding earning assets | 0.2769% | 4,646 |
Net interest margin | 4.9549% | 274 |
Noninterest income to average assets | 1.5251% | 546 |
Noninterest expense to average assets | 3.4326% | 1,408 |
Loan and lease loss provision to assets | 0.0637% | 2,846 |
Net operating income to assets | 2.7146% | 124 |
Return on assets (ROA) | 2.7146% | 130 |
Pretax return on assets | 2.4385% | 269 |
Return on Equity (ROE) | 30.2342% | 66 |
Retained earnings to average equity (ytd only) | 3.2647% | 3,972 |
Net charge-offs to loans | -0.0840% | 5,722 |
Credit loss provision to net charge-offs | -100.0000% | 4,892 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 57.8382% | 5,236 |
Assets per employee ($millions) | 2.7931% | 5,820 |
Cash dividends to net income (ytd only)* | 89.2019% | 729 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1300% | 4,179 |
Loan loss allowance to noncurrent loans | 1,623.0769% | 355 |
Noncurrent assets plus other real estate owned to assets | 0.5223% | 3,870 |
Noncurrent loans to loans | 0.0696% | 5,455 |
Net loans and leases to total assets | 77.7600% | 1,102 |
Net loans and leases to deposits | 88.1467% | 1,818 |
Net loans and leases to core deposits | 90.3688% | 2,312 |
Total domestic deposits to total assets | 88.2166% | 1,537 |
Equity capital to assets | 8.7991% | 5,436 |
Core capital (leverage) ratio | 8.6607% | 5,357 |
Tier 1 risk-based capital ratio | 9.8635% | 6,129 |
Total risk-based capital ratio | 10.8792% | 6,150 |
Memoranda: | ||
Average total assets | $47,078,330 | 5,742 |
Average earning assets | $41,898,330 | 5,768 |
Average equity | $4,227,000 | 5,954 |
Average total loans | $35,734,670 | 5,269 |
2015-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1367% | 458 |
Cost of funding earning assets | 0.2811% | 4,659 |
Net interest margin | 4.8556% | 315 |
Noninterest income to average assets | 2.5173% | 272 |
Noninterest expense to average assets | 3.3876% | 1,510 |
Loan and lease loss provision to assets | 0.0683% | 2,578 |
Net operating income to assets | 3.9423% | 60 |
Return on assets (ROA) | 3.9423% | 63 |
Pretax return on assets | 3.3364% | 115 |
Return on Equity (ROE) | 43.4670% | 30 |
Retained earnings to average equity (ytd only) | 20.8867% | 88 |
Net charge-offs to loans | 0.0000% | 3,288 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 49.8744% | 5,922 |
Assets per employee ($millions) | 2.7531% | 5,933 |
Cash dividends to net income (ytd only)* | 51.9481% | 1,664 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1285% | 4,382 |
Loan loss allowance to noncurrent loans | 930.2326% | 575 |
Noncurrent assets plus other real estate owned to assets | 0.5726% | 3,764 |
Noncurrent loans to loans | 0.1213% | 5,338 |
Net loans and leases to total assets | 74.8771% | 1,375 |
Net loans and leases to deposits | 82.6490% | 2,255 |
Net loans and leases to core deposits | 84.7026% | 2,691 |
Total domestic deposits to total assets | 90.5966% | 494 |
Equity capital to assets | 9.3372% | 4,922 |
Core capital (leverage) ratio | 9.1258% | 4,816 |
Tier 1 risk-based capital ratio | 10.9727% | 5,817 |
Total risk-based capital ratio | 12.0046% | 5,841 |
Memoranda: | ||
Average total assets | $46,876,500 | 5,794 |
Average earning assets | $41,272,000 | 5,835 |
Average equity | $4,251,500 | 6,003 |
Average total loans | $34,930,000 | 5,332 |
2014-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3159% | 438 |
Cost of funding earning assets | 0.3318% | 4,472 |
Net interest margin | 4.9842% | 315 |
Noninterest income to average assets | 0.4131% | 4,089 |
Noninterest expense to average assets | 3.8015% | 988 |
Loan and lease loss provision to assets | 0.1480% | 1,777 |
Net operating income to assets | 0.4418% | 5,054 |
Return on assets (ROA) | 0.4418% | 5,145 |
Pretax return on assets | 0.9101% | 3,871 |
Return on Equity (ROE) | 4.8838% | 4,718 |
Retained earnings to average equity (ytd only) | -2.7593% | 6,069 |
Net charge-offs to loans | 0.2528% | 1,692 |
Credit loss provision to net charge-offs | 77.9070% | 2,907 |
Earnings coverage of net charge-offs (x) | 5.5698% | 3,397 |
Efficiency ratio | 78.2273% | 2,179 |
Assets per employee ($millions) | 3.3536% | 5,154 |
Cash dividends to net income (ytd only)* | 156.5000% | 141 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1390% | 4,340 |
Loan loss allowance to noncurrent loans | 1,633.3333% | 400 |
Noncurrent assets plus other real estate owned to assets | 0.5303% | 4,030 |
Noncurrent loans to loans | 0.0697% | 5,601 |
Net loans and leases to total assets | 72.4670% | 1,837 |
Net loans and leases to deposits | 79.6591% | 2,766 |
Net loans and leases to core deposits | 81.6197% | 3,143 |
Total domestic deposits to total assets | 90.9714% | 376 |
Equity capital to assets | 8.8028% | 5,486 |
Core capital (leverage) ratio | 8.5463% | 5,503 |
Tier 1 risk-based capital ratio | 12.2407% | 5,197 |
Total risk-based capital ratio | 13.4313% | 5,156 |
Memoranda: | ||
Average total assets | $45,271,800 | 5,902 |
Average earning assets | $40,388,000 | 5,909 |
Average equity | $4,095,200 | 6,075 |
Average total loans | $34,020,600 | 5,395 |
2014-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3181% | 433 |
Cost of funding earning assets | 0.3415% | 4,441 |
Net interest margin | 4.9766% | 314 |
Noninterest income to average assets | 0.3835% | 4,368 |
Noninterest expense to average assets | 3.7604% | 1,024 |
Loan and lease loss provision to assets | 0.0862% | 2,629 |
Net operating income to assets | 0.2646% | 5,697 |
Return on assets (ROA) | 0.2646% | 5,763 |
Pretax return on assets | 0.9988% | 3,596 |
Return on Equity (ROE) | 2.9042% | 5,571 |
Retained earnings to average equity (ytd only) | -5.3518% | 6,269 |
Net charge-offs to loans | 0.1965% | 1,901 |
Credit loss provision to net charge-offs | 58.0000% | 2,975 |
Earnings coverage of net charge-offs (x) | 7.2994% | 2,944 |
Efficiency ratio | 77.6074% | 2,251 |
Assets per employee ($millions) | 2.7242% | 6,060 |
Cash dividends to net income (ytd only)* | 284.2744% | 45 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1146% | 4,686 |
Loan loss allowance to noncurrent loans | 505.1948% | 959 |
Noncurrent assets plus other real estate owned to assets | 0.6651% | 3,841 |
Noncurrent loans to loans | 0.2206% | 5,239 |
Net loans and leases to total assets | 74.5185% | 1,440 |
Net loans and leases to deposits | 82.1827% | 2,399 |
Net loans and leases to core deposits | 84.2389% | 2,857 |
Total domestic deposits to total assets | 90.6741% | 458 |
Equity capital to assets | 8.8508% | 5,508 |
Core capital (leverage) ratio | 8.8381% | 5,287 |
Tier 1 risk-based capital ratio | 11.6196% | 5,727 |
Total risk-based capital ratio | 12.7555% | 5,719 |
Memoranda: | ||
Average total assets | $44,852,000 | 5,980 |
Average earning assets | $40,213,750 | 5,985 |
Average equity | $4,085,750 | 6,144 |
Average total loans | $33,921,750 | 5,459 |
2014-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3033% | 430 |
Cost of funding earning assets | 0.3522% | 4,413 |
Net interest margin | 4.9511% | 312 |
Noninterest income to average assets | 0.3246% | 4,818 |
Noninterest expense to average assets | 3.7958% | 977 |
Loan and lease loss provision to assets | 0.0541% | 3,221 |
Net operating income to assets | -0.1758% | 6,303 |
Return on assets (ROA) | -0.1758% | 6,315 |
Pretax return on assets | 0.9106% | 3,843 |
Return on Equity (ROE) | -1.9111% | 6,328 |
Retained earnings to average equity (ytd only) | -11.3688% | 6,450 |
Net charge-offs to loans | 0.1905% | 1,884 |
Credit loss provision to net charge-offs | 37.5000% | 2,957 |
Earnings coverage of net charge-offs (x) | 6.6875% | 2,739 |
Efficiency ratio | 79.7348% | 2,056 |
Assets per employee ($millions) | 2.7669% | 6,068 |
Cash dividends to net income (ytd only)* | -494.8718% | 6,648 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1365% | 4,730 |
Loan loss allowance to noncurrent loans | 348.2143% | 1,324 |
Noncurrent assets plus other real estate owned to assets | 0.6121% | 4,137 |
Noncurrent loans to loans | 0.3264% | 5,033 |
Net loans and leases to total assets | 76.6348% | 1,092 |
Net loans and leases to deposits | 84.6440% | 1,969 |
Net loans and leases to core deposits | 86.8609% | 2,431 |
Total domestic deposits to total assets | 90.5378% | 572 |
Equity capital to assets | 9.1121% | 5,191 |
Core capital (leverage) ratio | 8.7297% | 5,361 |
Tier 1 risk-based capital ratio | 11.3061% | 5,901 |
Total risk-based capital ratio | 12.4335% | 5,906 |
Memoranda: | ||
Average total assets | $44,365,330 | 6,048 |
Average earning assets | $39,749,000 | 6,052 |
Average equity | $4,081,330 | 6,185 |
Average total loans | $33,595,670 | 5,514 |
2014-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2890% | 414 |
Cost of funding earning assets | 0.3526% | 4,510 |
Net interest margin | 4.9364% | 307 |
Noninterest income to average assets | 0.4954% | 3,446 |
Noninterest expense to average assets | 3.8007% | 980 |
Loan and lease loss provision to assets | 0.0360% | 3,337 |
Net operating income to assets | -1.0448% | 6,577 |
Return on assets (ROA) | -1.0448% | 6,573 |
Pretax return on assets | 1.0718% | 3,025 |
Return on Equity (ROE) | -11.3033% | 6,576 |
Retained earnings to average equity (ytd only) | -25.2375% | 6,585 |
Net charge-offs to loans | 0.3129% | 1,133 |
Credit loss provision to net charge-offs | 15.3846% | 2,558 |
Earnings coverage of net charge-offs (x) | 4.7308% | 2,485 |
Efficiency ratio | 77.4312% | 2,568 |
Assets per employee ($millions) | 2.5142% | 6,357 |
Cash dividends to net income (ytd only)* | -123.2759% | 6,705 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1509% | 4,869 |
Loan loss allowance to noncurrent loans | 188.3495% | 2,191 |
Noncurrent assets plus other real estate owned to assets | 0.6474% | 4,195 |
Noncurrent loans to loans | 0.6111% | 4,330 |
Net loans and leases to total assets | 73.6361% | 1,323 |
Net loans and leases to deposits | 81.2681% | 2,132 |
Net loans and leases to core deposits | 83.3413% | 2,595 |
Total domestic deposits to total assets | 90.6088% | 736 |
Equity capital to assets | 8.8322% | 5,293 |
Core capital (leverage) ratio | 8.7631% | 5,307 |
Tier 1 risk-based capital ratio | 11.8639% | 5,721 |
Total risk-based capital ratio | 13.0491% | 5,697 |
Memoranda: | ||
Average total assets | $44,412,500 | 6,104 |
Average earning assets | $39,705,000 | 6,107 |
Average equity | $4,105,000 | 6,222 |
Average total loans | $33,235,000 | 5,577 |
2013-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2814% | 555 |
Cost of funding earning assets | 0.4218% | 4,413 |
Net interest margin | 4.8596% | 388 |
Noninterest income to average assets | 0.8624% | 1,819 |
Noninterest expense to average assets | 3.4655% | 1,741 |
Loan and lease loss provision to assets | 0.0546% | 4,048 |
Net operating income to assets | 1.1798% | 1,646 |
Return on assets (ROA) | 1.1491% | 1,827 |
Pretax return on assets | 1.6246% | 1,110 |
Return on Equity (ROE) | 11.9668% | 1,429 |
Retained earnings to average equity (ytd only) | 0.1185% | 5,798 |
Net charge-offs to loans | 0.0203% | 5,030 |
Credit loss provision to net charge-offs | 400.0000% | 566 |
Earnings coverage of net charge-offs (x) | 126.1667% | 372 |
Efficiency ratio | 66.7982% | 4,406 |
Assets per employee ($millions) | 2.2932% | 6,525 |
Cash dividends to net income (ytd only)* | 99.0099% | 427 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2516% | 4,380 |
Loan loss allowance to noncurrent loans | 189.8148% | 2,189 |
Noncurrent assets plus other real estate owned to assets | 1.1591% | 3,081 |
Noncurrent loans to loans | 0.6594% | 4,319 |
Net loans and leases to total assets | 74.2437% | 1,307 |
Net loans and leases to deposits | 82.3565% | 2,146 |
Net loans and leases to core deposits | 84.5523% | 2,609 |
Total domestic deposits to total assets | 90.1492% | 1,006 |
Equity capital to assets | 9.6695% | 4,197 |
Core capital (leverage) ratio | 9.3307% | 4,505 |
Tier 1 risk-based capital ratio | 11.6412% | 5,828 |
Total risk-based capital ratio | 12.7933% | 5,824 |
Memoranda: | ||
Average total assets | $43,948,000 | 6,179 |
Average earning assets | $39,118,200 | 6,195 |
Average equity | $4,220,000 | 6,280 |
Average total loans | $29,589,800 | 5,782 |
2013-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2177% | 620 |
Cost of funding earning assets | 0.4254% | 4,549 |
Net interest margin | 4.7922% | 436 |
Noninterest income to average assets | 0.9808% | 1,508 |
Noninterest expense to average assets | 3.3724% | 1,885 |
Loan and lease loss provision to assets | 0.0545% | 3,944 |
Net operating income to assets | 1.2775% | 1,406 |
Return on assets (ROA) | 1.2775% | 1,475 |
Pretax return on assets | 1.8164% | 868 |
Return on Equity (ROE) | 13.3274% | 1,161 |
Retained earnings to average equity (ytd only) | -2.4634% | 6,305 |
Net charge-offs to loans | 0.0278% | 4,567 |
Credit loss provision to net charge-offs | 300.0000% | 845 |
Earnings coverage of net charge-offs (x) | 102.9975% | 489 |
Efficiency ratio | 64.3187% | 4,747 |
Assets per employee ($millions) | 2.6670% | 6,311 |
Cash dividends to net income (ytd only)* | 118.4840% | 246 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2708% | 4,539 |
Loan loss allowance to noncurrent loans | 216.0428% | 1,862 |
Noncurrent assets plus other real estate owned to assets | 1.0300% | 3,588 |
Noncurrent loans to loans | 0.5882% | 4,732 |
Net loans and leases to total assets | 69.2296% | 2,096 |
Net loans and leases to deposits | 76.3884% | 2,895 |
Net loans and leases to core deposits | 78.3290% | 3,316 |
Total domestic deposits to total assets | 90.6284% | 693 |
Equity capital to assets | 9.1136% | 5,035 |
Core capital (leverage) ratio | 9.1213% | 4,938 |
Tier 1 risk-based capital ratio | 10.7501% | 6,382 |
Total risk-based capital ratio | 11.8198% | 6,404 |
Memoranda: | ||
Average total assets | $44,042,500 | 6,244 |
Average earning assets | $39,173,750 | 6,261 |
Average equity | $4,221,750 | 6,350 |
Average total loans | $28,797,750 | 5,876 |
2013-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2172% | 616 |
Cost of funding earning assets | 0.4438% | 4,497 |
Net interest margin | 4.7734% | 450 |
Noninterest income to average assets | 1.1465% | 1,161 |
Noninterest expense to average assets | 3.3295% | 1,993 |
Loan and lease loss provision to assets | 0.0550% | 3,902 |
Net operating income to assets | 1.3988% | 1,082 |
Return on assets (ROA) | 1.3988% | 1,163 |
Pretax return on assets | 2.0041% | 604 |
Return on Equity (ROE) | 14.3473% | 938 |
Retained earnings to average equity (ytd only) | -9.1729% | 6,644 |
Net charge-offs to loans | 0.0504% | 3,968 |
Credit loss provision to net charge-offs | 171.4286% | 1,375 |
Earnings coverage of net charge-offs (x) | 64.1429% | 670 |
Efficiency ratio | 61.7872% | 5,204 |
Assets per employee ($millions) | 2.5776% | 6,419 |
Cash dividends to net income (ytd only)* | 163.9344% | 164 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2947% | 4,536 |
Loan loss allowance to noncurrent loans | 218.1319% | 1,851 |
Noncurrent assets plus other real estate owned to assets | 1.0977% | 3,537 |
Noncurrent loans to loans | 0.5935% | 4,772 |
Net loans and leases to total assets | 69.0728% | 2,055 |
Net loans and leases to deposits | 76.3008% | 2,839 |
Net loans and leases to core deposits | 78.3085% | 3,250 |
Total domestic deposits to total assets | 90.5269% | 741 |
Equity capital to assets | 9.1102% | 5,091 |
Core capital (leverage) ratio | 8.9005% | 5,144 |
Tier 1 risk-based capital ratio | 10.8721% | 6,388 |
Total risk-based capital ratio | 11.9668% | 6,412 |
Memoranda: | ||
Average total assets | $43,610,330 | 6,298 |
Average earning assets | $38,756,330 | 6,321 |
Average equity | $4,251,670 | 6,396 |
Average total loans | $27,799,670 | 5,945 |
2013-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0921% | 751 |
Cost of funding earning assets | 0.4620% | 4,459 |
Net interest margin | 4.6301% | 540 |
Noninterest income to average assets | 0.4597% | 4,055 |
Noninterest expense to average assets | 2.9145% | 3,292 |
Loan and lease loss provision to assets | 0.0552% | 3,712 |
Net operating income to assets | 1.1125% | 1,807 |
Return on assets (ROA) | 1.1125% | 1,919 |
Pretax return on assets | 1.5446% | 1,439 |
Return on Equity (ROE) | 11.0464% | 1,689 |
Retained earnings to average equity (ytd only) | 11.0464% | 859 |
Net charge-offs to loans | 0.1517% | 2,490 |
Credit loss provision to net charge-offs | 60.0000% | 2,443 |
Earnings coverage of net charge-offs (x) | 17.4000% | 1,320 |
Efficiency ratio | 64.5621% | 4,909 |
Assets per employee ($millions) | 2.8186% | 6,260 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4543% | 4,000 |
Loan loss allowance to noncurrent loans | 615.8730% | 716 |
Noncurrent assets plus other real estate owned to assets | 0.8049% | 4,360 |
Noncurrent loans to loans | 0.2361% | 5,824 |
Net loans and leases to total assets | 58.2975% | 3,744 |
Net loans and leases to deposits | 64.9112% | 4,196 |
Net loans and leases to core deposits | 66.1642% | 4,510 |
Total domestic deposits to total assets | 89.8111% | 1,156 |
Equity capital to assets | 9.8497% | 4,350 |
Core capital (leverage) ratio | 9.8695% | 3,574 |
Tier 1 risk-based capital ratio | 13.6419% | 4,763 |
Total risk-based capital ratio | 14.8847% | 4,738 |
Memoranda: | ||
Average total assets | $43,506,000 | 6,358 |
Average earning assets | $38,098,500 | 6,400 |
Average equity | $4,381,500 | 6,425 |
Average total loans | $26,367,500 | 6,053 |
2012-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1086% | 1,294 |
Cost of funding earning assets | 0.7623% | 2,992 |
Net interest margin | 4.3464% | 1,298 |
Noninterest income to average assets | 0.6030% | 3,262 |
Noninterest expense to average assets | 4.0043% | 968 |
Loan and lease loss provision to assets | 0.7103% | 719 |
Net operating income to assets | 0.2097% | 5,756 |
Return on assets (ROA) | 0.2097% | 5,940 |
Pretax return on assets | -0.2384% | 6,442 |
Return on Equity (ROE) | 2.0530% | 5,882 |
Retained earnings to average equity (ytd only) | 2.0530% | 4,782 |
Net charge-offs to loans | 1.8572% | 421 |
Credit loss provision to net charge-offs | 63.6752% | 4,351 |
Earnings coverage of net charge-offs (x) | 0.4231% | 5,273 |
Efficiency ratio | 78.2748% | 2,401 |
Assets per employee ($millions) | 2.3286% | 6,757 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5045% | 3,728 |
Loan loss allowance to noncurrent loans | 502.5641% | 824 |
Noncurrent assets plus other real estate owned to assets | 0.8875% | 4,268 |
Noncurrent loans to loans | 0.2994% | 5,731 |
Net loans and leases to total assets | 61.2301% | 3,386 |
Net loans and leases to deposits | 68.5855% | 3,894 |
Net loans and leases to core deposits | 70.0188% | 4,311 |
Total domestic deposits to total assets | 89.2757% | 1,390 |
Equity capital to assets | 10.3092% | 3,746 |
Core capital (leverage) ratio | 9.8681% | 3,582 |
Tier 1 risk-based capital ratio | 12.1114% | 5,710 |
Total risk-based capital ratio | 13.2590% | 5,735 |
Memoranda: | ||
Average total assets | $41,955,000 | 6,433 |
Average earning assets | $37,387,600 | 6,459 |
Average equity | $4,286,400 | 6,501 |
Average total loans | $25,199,200 | 6,184 |
2012-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1341% | 1,342 |
Cost of funding earning assets | 0.8312% | 2,696 |
Net interest margin | 4.3029% | 1,450 |
Noninterest income to average assets | 0.4130% | 4,532 |
Noninterest expense to average assets | 3.5171% | 1,718 |
Loan and lease loss provision to assets | 0.9500% | 448 |
Net operating income to assets | -0.2860% | 6,561 |
Return on assets (ROA) | -0.2860% | 6,621 |
Pretax return on assets | -0.2383% | 6,561 |
Return on Equity (ROE) | -2.8052% | 6,615 |
Retained earnings to average equity (ytd only) | -2.8052% | 6,466 |
Net charge-offs to loans | 2.4974% | 248 |
Credit loss provision to net charge-offs | 63.8889% | 4,055 |
Earnings coverage of net charge-offs (x) | 0.4786% | 5,080 |
Efficiency ratio | 78.8881% | 2,249 |
Assets per employee ($millions) | 2.3156% | 6,847 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5845% | 3,583 |
Loan loss allowance to noncurrent loans | 485.1852% | 792 |
Noncurrent assets plus other real estate owned to assets | 1.3196% | 3,649 |
Noncurrent loans to loans | 0.3266% | 5,821 |
Net loans and leases to total assets | 58.5629% | 4,032 |
Net loans and leases to deposits | 65.1845% | 4,570 |
Net loans and leases to core deposits | 66.5440% | 4,896 |
Total domestic deposits to total assets | 89.8417% | 935 |
Equity capital to assets | 10.0048% | 4,485 |
Core capital (leverage) ratio | 8.6455% | 5,560 |
Tier 1 risk-based capital ratio | 11.7391% | 6,084 |
Total risk-based capital ratio | 12.9891% | 6,069 |
Memoranda: | ||
Average total assets | $41,965,250 | 6,505 |
Average earning assets | $37,214,250 | 6,542 |
Average equity | $4,277,750 | 6,575 |
Average total loans | $24,985,000 | 6,280 |
2012-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1677% | 1,340 |
Cost of funding earning assets | 0.8811% | 2,550 |
Net interest margin | 4.2866% | 1,508 |
Noninterest income to average assets | 0.4327% | 4,418 |
Noninterest expense to average assets | 3.3618% | 2,120 |
Loan and lease loss provision to assets | 0.0000% | 5,619 |
Net operating income to assets | 0.6895% | 3,922 |
Return on assets (ROA) | 0.6895% | 4,186 |
Pretax return on assets | 0.8416% | 4,307 |
Return on Equity (ROE) | 6.7228% | 3,927 |
Retained earnings to average equity (ytd only) | 6.7228% | 2,259 |
Net charge-offs to loans | 1.9804% | 427 |
Credit loss provision to net charge-offs | 0.0000% | 4,809 |
Earnings coverage of net charge-offs (x) | 0.7137% | 4,694 |
Efficiency ratio | 75.6787% | 2,793 |
Assets per employee ($millions) | 2.7848% | 6,429 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2456% | 5,141 |
Loan loss allowance to noncurrent loans | 109.4406% | 2,963 |
Noncurrent assets plus other real estate owned to assets | 2.3844% | 2,342 |
Noncurrent loans to loans | 1.1381% | 4,253 |
Net loans and leases to total assets | 59.4082% | 3,928 |
Net loans and leases to deposits | 66.5826% | 4,432 |
Net loans and leases to core deposits | 67.9816% | 4,789 |
Total domestic deposits to total assets | 89.2248% | 1,372 |
Equity capital to assets | 10.5070% | 3,681 |
Core capital (leverage) ratio | 9.3620% | 4,355 |
Tier 1 risk-based capital ratio | 15.7419% | 3,308 |
Total risk-based capital ratio | 16.9934% | 3,277 |
Memoranda: | ||
Average total assets | $42,060,330 | 6,541 |
Average earning assets | $36,999,000 | 6,587 |
Average equity | $4,313,670 | 6,597 |
Average total loans | $25,046,000 | 6,319 |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2467% | 1,213 |
Cost of funding earning assets | 0.8997% | 2,693 |
Net interest margin | 4.3469% | 1,340 |
Noninterest income to average assets | 0.4265% | 4,475 |
Noninterest expense to average assets | 3.4120% | 1,979 |
Loan and lease loss provision to assets | 0.0000% | 5,254 |
Net operating income to assets | 0.6729% | 4,016 |
Return on assets (ROA) | 0.6729% | 4,231 |
Pretax return on assets | 0.8151% | 4,358 |
Return on Equity (ROE) | 6.6417% | 3,965 |
Retained earnings to average equity (ytd only) | 6.6417% | 2,612 |
Net charge-offs to loans | 4.0153% | 145 |
Credit loss provision to net charge-offs | 0.0000% | 3,998 |
Earnings coverage of net charge-offs (x) | 0.3426% | 4,192 |
Efficiency ratio | 76.4574% | 2,722 |
Assets per employee ($millions) | 2.8549% | 6,425 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2704% | 5,157 |
Loan loss allowance to noncurrent loans | 119.1571% | 2,635 |
Noncurrent assets plus other real estate owned to assets | 2.0199% | 2,870 |
Noncurrent loans to loans | 1.0661% | 4,572 |
Net loans and leases to total assets | 56.4416% | 4,306 |
Net loans and leases to deposits | 63.1285% | 4,753 |
Net loans and leases to core deposits | 64.4173% | 5,065 |
Total domestic deposits to total assets | 89.4076% | 1,417 |
Equity capital to assets | 10.0623% | 4,051 |
Core capital (leverage) ratio | 8.8349% | 5,091 |
Tier 1 risk-based capital ratio | 15.9556% | 3,200 |
Total risk-based capital ratio | 17.2040% | 3,166 |
Memoranda: | ||
Average total assets | $42,204,500 | 6,594 |
Average earning assets | $36,899,500 | 6,645 |
Average equity | $4,276,000 | 6,639 |
Average total loans | $25,004,500 | 6,372 |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0679% | 2,574 |
Cost of funding earning assets | 0.9103% | 4,049 |
Net interest margin | 4.1576% | 2,205 |
Noninterest income to average assets | -0.3697% | 7,230 |
Noninterest expense to average assets | 3.2389% | 2,732 |
Loan and lease loss provision to assets | 0.4406% | 2,390 |
Net operating income to assets | -0.1827% | 6,239 |
Return on assets (ROA) | -0.1827% | 6,312 |
Pretax return on assets | -0.4664% | 6,468 |
Return on Equity (ROE) | -1.8603% | 6,325 |
Retained earnings to average equity (ytd only) | -52.1973% | 7,208 |
Net charge-offs to loans | 0.7831% | 2,200 |
Credit loss provision to net charge-offs | 95.7944% | 3,767 |
Earnings coverage of net charge-offs (x) | -0.0561% | 5,866 |
Efficiency ratio | 95.7191% | 834 |
Assets per employee ($millions) | 2.5991% | 6,724 |
Cash dividends to net income (ytd only)* | -2,705.8824% | 7,349 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.2015% | 1,797 |
Loan loss allowance to noncurrent loans | 62.2370% | 4,395 |
Noncurrent assets plus other real estate owned to assets | 3.2463% | 1,838 |
Noncurrent loans to loans | 3.5373% | 1,814 |
Net loans and leases to total assets | 60.0346% | 3,984 |
Net loans and leases to deposits | 67.5706% | 4,500 |
Net loans and leases to core deposits | 69.6732% | 4,824 |
Total domestic deposits to total assets | 88.8472% | 1,639 |
Equity capital to assets | 10.2030% | 3,902 |
Core capital (leverage) ratio | 8.8809% | 4,976 |
Tier 1 risk-based capital ratio | 15.0065% | 3,636 |
Total risk-based capital ratio | 16.2698% | 3,589 |
Memoranda: | ||
Average total assets | $46,528,200 | 6,467 |
Average earning assets | $40,095,200 | 6,527 |
Average equity | $4,569,200 | 6,568 |
Average total loans | $27,325,800 | 6,276 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0263% | 2,962 |
Cost of funding earning assets | 0.9183% | 4,284 |
Net interest margin | 4.1079% | 2,443 |
Noninterest income to average assets | -0.4718% | 7,348 |
Noninterest expense to average assets | 3.2409% | 2,690 |
Loan and lease loss provision to assets | 0.5583% | 1,760 |
Net operating income to assets | -0.7983% | 6,797 |
Return on assets (ROA) | -0.7983% | 6,834 |
Pretax return on assets | -0.7621% | 6,765 |
Return on Equity (ROE) | -8.1991% | 6,820 |
Retained earnings to average equity (ytd only) | -74.1366% | 7,351 |
Net charge-offs to loans | 0.9360% | 1,719 |
Credit loss provision to net charge-offs | 102.5641% | 3,246 |
Earnings coverage of net charge-offs (x) | -0.3744% | 5,789 |
Efficiency ratio | 101.4706% | 618 |
Assets per employee ($millions) | 2.6309% | 6,742 |
Cash dividends to net income (ytd only)* | -804.2038% | 7,428 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.3104% | 1,670 |
Loan loss allowance to noncurrent loans | 58.9744% | 4,505 |
Noncurrent assets plus other real estate owned to assets | 3.6585% | 1,713 |
Noncurrent loans to loans | 3.9176% | 1,694 |
Net loans and leases to total assets | 57.7588% | 4,547 |
Net loans and leases to deposits | 64.7949% | 5,075 |
Net loans and leases to core deposits | 66.7793% | 5,334 |
Total domestic deposits to total assets | 89.1410% | 1,340 |
Equity capital to assets | 9.6688% | 4,830 |
Core capital (leverage) ratio | 8.3479% | 5,920 |
Tier 1 risk-based capital ratio | 14.5894% | 3,911 |
Total risk-based capital ratio | 15.8408% | 3,883 |
Memoranda: | ||
Average total assets | $47,763,750 | 6,485 |
Average earning assets | $40,798,000 | 6,554 |
Average equity | $4,650,750 | 6,600 |
Average total loans | $27,775,250 | 6,315 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8904% | 3,666 |
Cost of funding earning assets | 0.9324% | 4,440 |
Net interest margin | 3.9580% | 3,047 |
Noninterest income to average assets | -0.8338% | 7,463 |
Noninterest expense to average assets | 3.2223% | 2,826 |
Loan and lease loss provision to assets | 0.6243% | 1,535 |
Net operating income to assets | -1.3816% | 7,064 |
Return on assets (ROA) | -1.3816% | 7,072 |
Pretax return on assets | -1.3292% | 7,009 |
Return on Equity (ROE) | -14.1609% | 7,042 |
Retained earnings to average equity (ytd only) | -109.1173% | 7,443 |
Net charge-offs to loans | 1.1066% | 1,424 |
Credit loss provision to net charge-offs | 97.4843% | 3,236 |
Earnings coverage of net charge-offs (x) | -1.1006% | 5,650 |
Efficiency ratio | 121.9200% | 325 |
Assets per employee ($millions) | 2.4759% | 6,942 |
Cash dividends to net income (ytd only)* | -670.5539% | 7,507 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.3049% | 1,732 |
Loan loss allowance to noncurrent loans | 89.5570% | 3,176 |
Noncurrent assets plus other real estate owned to assets | 2.9246% | 2,296 |
Noncurrent loans to loans | 2.5737% | 2,805 |
Net loans and leases to total assets | 56.9956% | 4,820 |
Net loans and leases to deposits | 63.7761% | 5,303 |
Net loans and leases to core deposits | 65.7278% | 5,542 |
Total domestic deposits to total assets | 89.3683% | 1,319 |
Equity capital to assets | 9.4581% | 4,877 |
Core capital (leverage) ratio | 8.1683% | 6,076 |
Tier 1 risk-based capital ratio | 14.3031% | 3,933 |
Total risk-based capital ratio | 15.5694% | 3,900 |
Memoranda: | ||
Average total assets | $49,653,670 | 6,489 |
Average earning assets | $42,041,330 | 6,570 |
Average equity | $4,844,330 | 6,580 |
Average total loans | $28,737,670 | 6,333 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9045% | 3,567 |
Cost of funding earning assets | 0.9809% | 4,343 |
Net interest margin | 3.9236% | 3,032 |
Noninterest income to average assets | 0.4716% | 4,108 |
Noninterest expense to average assets | 5.7341% | 225 |
Loan and lease loss provision to assets | 0.0000% | 5,840 |
Net operating income to assets | -2.1259% | 7,304 |
Return on assets (ROA) | -2.1259% | 7,303 |
Pretax return on assets | -2.0286% | 7,256 |
Return on Equity (ROE) | -21.5315% | 7,236 |
Retained earnings to average equity (ytd only) | -195.9060% | 7,535 |
Net charge-offs to loans | 0.8693% | 1,519 |
Credit loss provision to net charge-offs | 0.0000% | 4,480 |
Earnings coverage of net charge-offs (x) | -4.0448% | 5,010 |
Efficiency ratio | 150.9091% | 159 |
Assets per employee ($millions) | 2.4438% | 7,059 |
Cash dividends to net income (ytd only)* | -809.8592% | 7,560 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1038% | 2,182 |
Loan loss allowance to noncurrent loans | 223.4513% | 1,345 |
Noncurrent assets plus other real estate owned to assets | 2.3830% | 2,858 |
Noncurrent loans to loans | 0.9415% | 5,153 |
Net loans and leases to total assets | 56.5641% | 4,900 |
Net loans and leases to deposits | 63.4285% | 5,334 |
Net loans and leases to core deposits | 65.4022% | 5,574 |
Total domestic deposits to total assets | 89.1777% | 1,656 |
Equity capital to assets | 9.5971% | 4,315 |
Core capital (leverage) ratio | 7.5701% | 6,683 |
Tier 1 risk-based capital ratio | 14.4819% | 3,752 |
Total risk-based capital ratio | 15.7205% | 3,718 |
Memoranda: | ||
Average total assets | $53,435,000 | 6,396 |
Average earning assets | $44,041,500 | 6,559 |
Average equity | $5,276,000 | 6,460 |
Average total loans | $30,828,500 | 6,300 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.9233% | 992 |
Cost of funding earning assets | 1.4132% | 3,181 |
Net interest margin | 4.5100% | 1,208 |
Noninterest income to average assets | 0.5752% | 3,626 |
Noninterest expense to average assets | 3.2609% | 2,866 |
Loan and lease loss provision to assets | 0.4809% | 3,250 |
Net operating income to assets | 0.5272% | 3,978 |
Return on assets (ROA) | 0.6618% | 3,528 |
Pretax return on assets | 0.8813% | 3,372 |
Return on Equity (ROE) | 6.6540% | 3,279 |
Retained earnings to average equity (ytd only) | 1.6169% | 4,711 |
Net charge-offs to loans | 0.8045% | 2,622 |
Credit loss provision to net charge-offs | 102.9801% | 4,383 |
Earnings coverage of net charge-offs (x) | 2.5331% | 3,845 |
Efficiency ratio | 69.6242% | 4,257 |
Assets per employee ($millions) | 2.1073% | 7,362 |
Cash dividends to net income (ytd only)* | 75.7009% | 1,001 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5191% | 3,902 |
Loan loss allowance to noncurrent loans | 134.2723% | 2,197 |
Noncurrent assets plus other real estate owned to assets | 1.7283% | 3,709 |
Noncurrent loans to loans | 1.1314% | 4,848 |
Net loans and leases to total assets | 56.7630% | 5,221 |
Net loans and leases to deposits | 63.7065% | 5,662 |
Net loans and leases to core deposits | 64.6506% | 6,005 |
Total domestic deposits to total assets | 89.1008% | 1,593 |
Equity capital to assets | 10.0496% | 3,689 |
Core capital (leverage) ratio | 7.2770% | 6,856 |
Tier 1 risk-based capital ratio | 12.8279% | 4,748 |
Total risk-based capital ratio | 14.0823% | 4,710 |
Memoranda: | ||
Average total assets | $64,675,800 | 6,042 |
Average earning assets | $55,476,200 | 6,153 |
Average equity | $6,432,200 | 6,221 |
Average total loans | $37,537,200 | 6,032 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.8594% | 1,233 |
Cost of funding earning assets | 1.4337% | 3,372 |
Net interest margin | 4.4257% | 1,444 |
Noninterest income to average assets | 0.5373% | 3,891 |
Noninterest expense to average assets | 3.2654% | 2,686 |
Loan and lease loss provision to assets | 0.5787% | 2,615 |
Net operating income to assets | 0.4717% | 4,435 |
Return on assets (ROA) | 0.4836% | 4,586 |
Pretax return on assets | 0.5931% | 4,619 |
Return on Equity (ROE) | 4.8756% | 4,354 |
Retained earnings to average equity (ytd only) | -1.8753% | 6,175 |
Net charge-offs to loans | 1.0309% | 1,958 |
Credit loss provision to net charge-offs | 96.5517% | 4,491 |
Earnings coverage of net charge-offs (x) | 1.9310% | 4,260 |
Efficiency ratio | 70.0467% | 4,055 |
Assets per employee ($millions) | 1.9287% | 7,539 |
Cash dividends to net income (ytd only)* | 138.4628% | 164 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4553% | 4,181 |
Loan loss allowance to noncurrent loans | 139.0428% | 2,028 |
Noncurrent assets plus other real estate owned to assets | 1.6435% | 3,975 |
Noncurrent loans to loans | 1.0466% | 5,154 |
Net loans and leases to total assets | 58.7295% | 5,149 |
Net loans and leases to deposits | 66.2149% | 5,643 |
Net loans and leases to core deposits | 69.0643% | 5,838 |
Total domestic deposits to total assets | 88.6953% | 1,564 |
Equity capital to assets | 10.3102% | 3,753 |
Core capital (leverage) ratio | 7.0589% | 7,134 |
Tier 1 risk-based capital ratio | 11.9687% | 5,492 |
Total risk-based capital ratio | 13.2092% | 5,471 |
Memoranda: | ||
Average total assets | $64,513,250 | 6,121 |
Average earning assets | $56,637,250 | 6,181 |
Average equity | $6,399,000 | 6,322 |
Average total loans | $37,508,250 | 6,119 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.8044% | 1,416 |
Cost of funding earning assets | 1.5091% | 3,207 |
Net interest margin | 4.2952% | 1,796 |
Noninterest income to average assets | 0.5494% | 3,723 |
Noninterest expense to average assets | 3.3579% | 2,377 |
Loan and lease loss provision to assets | 0.7222% | 2,018 |
Net operating income to assets | 0.2235% | 5,483 |
Return on assets (ROA) | 0.2438% | 5,539 |
Pretax return on assets | 0.2592% | 5,629 |
Return on Equity (ROE) | 2.4903% | 5,471 |
Retained earnings to average equity (ytd only) | -7.7230% | 6,791 |
Net charge-offs to loans | 1.2310% | 1,554 |
Credit loss provision to net charge-offs | 101.7391% | 4,012 |
Earnings coverage of net charge-offs (x) | 1.3522% | 4,473 |
Efficiency ratio | 73.9099% | 3,490 |
Assets per employee ($millions) | 1.9964% | 7,575 |
Cash dividends to net income (ytd only)* | 410.1266% | 48 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4944% | 3,968 |
Loan loss allowance to noncurrent loans | 120.1271% | 2,327 |
Noncurrent assets plus other real estate owned to assets | 1.6905% | 3,908 |
Noncurrent loans to loans | 1.2440% | 4,891 |
Net loans and leases to total assets | 58.5026% | 5,332 |
Net loans and leases to deposits | 65.6347% | 5,856 |
Net loans and leases to core deposits | 67.8251% | 6,069 |
Total domestic deposits to total assets | 89.1338% | 1,362 |
Equity capital to assets | 9.8598% | 4,183 |
Core capital (leverage) ratio | 6.6841% | 7,326 |
Tier 1 risk-based capital ratio | 10.4882% | 6,699 |
Total risk-based capital ratio | 11.7415% | 6,675 |
Memoranda: | ||
Average total assets | $64,802,330 | 6,149 |
Average earning assets | $56,853,670 | 6,208 |
Average equity | $6,344,670 | 6,356 |
Average total loans | $37,367,330 | 6,175 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.7627% | 1,586 |
Cost of funding earning assets | 1.6324% | 2,757 |
Net interest margin | 4.1303% | 2,319 |
Noninterest income to average assets | 0.5394% | 3,737 |
Noninterest expense to average assets | 3.0524% | 3,467 |
Loan and lease loss provision to assets | 0.3187% | 3,505 |
Net operating income to assets | 0.5979% | 3,906 |
Return on assets (ROA) | 0.6313% | 3,877 |
Pretax return on assets | 0.8091% | 3,827 |
Return on Equity (ROE) | 6.4704% | 3,631 |
Retained earnings to average equity (ytd only) | -13.8830% | 7,168 |
Net charge-offs to loans | 0.7335% | 2,037 |
Credit loss provision to net charge-offs | 76.4706% | 3,963 |
Earnings coverage of net charge-offs (x) | 2.6029% | 3,232 |
Efficiency ratio | 69.7778% | 4,350 |
Assets per employee ($millions) | 2.0468% | 7,642 |
Cash dividends to net income (ytd only)* | 314.5631% | 92 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4574% | 4,141 |
Loan loss allowance to noncurrent loans | 55.9305% | 4,599 |
Noncurrent assets plus other real estate owned to assets | 1.7756% | 3,822 |
Noncurrent loans to loans | 2.6058% | 3,060 |
Net loans and leases to total assets | 56.4674% | 5,677 |
Net loans and leases to deposits | 62.8089% | 6,193 |
Net loans and leases to core deposits | 65.1282% | 6,360 |
Total domestic deposits to total assets | 89.9035% | 1,039 |
Equity capital to assets | 9.5255% | 4,496 |
Core capital (leverage) ratio | 6.6180% | 7,426 |
Tier 1 risk-based capital ratio | 11.5056% | 5,667 |
Total risk-based capital ratio | 12.7585% | 5,642 |
Memoranda: | ||
Average total assets | $65,260,500 | 6,201 |
Average earning assets | $56,848,500 | 6,283 |
Average equity | $6,367,500 | 6,395 |
Average total loans | $37,080,000 | 6,262 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.1576% | 1,351 |
Cost of funding earning assets | 2.0788% | 2,576 |
Net interest margin | 4.0788% | 2,539 |
Noninterest income to average assets | 0.5808% | 3,782 |
Noninterest expense to average assets | 3.3948% | 2,699 |
Loan and lease loss provision to assets | 0.4690% | 4,009 |
Net operating income to assets | 0.1865% | 4,939 |
Return on assets (ROA) | 0.1999% | 4,970 |
Pretax return on assets | 0.2345% | 4,929 |
Return on Equity (ROE) | 2.0045% | 4,899 |
Retained earnings to average equity (ytd only) | 1.1522% | 4,243 |
Net charge-offs to loans | 0.5758% | 3,492 |
Credit loss provision to net charge-offs | 137.9630% | 3,559 |
Earnings coverage of net charge-offs (x) | 2.0231% | 4,207 |
Efficiency ratio | 79.0285% | 3,036 |
Assets per employee ($millions) | 1.8578% | 7,804 |
Cash dividends to net income (ytd only)* | 42.5197% | 2,802 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5371% | 3,540 |
Loan loss allowance to noncurrent loans | 50.9042% | 4,967 |
Noncurrent assets plus other real estate owned to assets | 1.9347% | 3,478 |
Noncurrent loans to loans | 3.0195% | 2,555 |
Net loans and leases to total assets | 55.4650% | 6,028 |
Net loans and leases to deposits | 62.0516% | 6,465 |
Net loans and leases to core deposits | 73.9325% | 6,536 |
Total domestic deposits to total assets | 89.3853% | 1,272 |
Equity capital to assets | 9.9903% | 3,780 |
Core capital (leverage) ratio | 7.0256% | 7,215 |
Tier 1 risk-based capital ratio | 12.2922% | 4,696 |
Total risk-based capital ratio | 13.5661% | 4,629 |
Memoranda: | ||
Average total assets | $63,538,200 | 6,217 |
Average earning assets | $54,550,200 | 6,353 |
Average equity | $6,335,800 | 6,486 |
Average total loans | $37,512,200 | 6,224 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.2345% | 1,284 |
Cost of funding earning assets | 2.1369% | 2,722 |
Net interest margin | 4.0976% | 2,408 |
Noninterest income to average assets | 0.6016% | 3,687 |
Noninterest expense to average assets | 3.4659% | 2,371 |
Loan and lease loss provision to assets | 0.5087% | 3,350 |
Net operating income to assets | 0.1195% | 5,406 |
Return on assets (ROA) | 0.1351% | 5,429 |
Pretax return on assets | 0.1815% | 5,335 |
Return on Equity (ROE) | 1.3554% | 5,386 |
Retained earnings to average equity (ytd only) | 0.2117% | 5,111 |
Net charge-offs to loans | 0.6537% | 2,726 |
Credit loss provision to net charge-offs | 130.2703% | 3,844 |
Earnings coverage of net charge-offs (x) | 1.7135% | 4,512 |
Efficiency ratio | 79.6835% | 2,904 |
Assets per employee ($millions) | 1.9938% | 7,804 |
Cash dividends to net income (ytd only)* | 84.3783% | 847 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4596% | 3,645 |
Loan loss allowance to noncurrent loans | 84.4340% | 3,233 |
Noncurrent assets plus other real estate owned to assets | 1.1803% | 4,715 |
Noncurrent loans to loans | 1.7287% | 4,045 |
Net loans and leases to total assets | 56.8229% | 6,053 |
Net loans and leases to deposits | 63.7203% | 6,515 |
Net loans and leases to core deposits | 76.5914% | 6,577 |
Total domestic deposits to total assets | 89.1755% | 1,117 |
Equity capital to assets | 10.1426% | 3,915 |
Core capital (leverage) ratio | 7.0045% | 7,434 |
Tier 1 risk-based capital ratio | 12.1617% | 4,827 |
Total risk-based capital ratio | 13.4146% | 4,776 |
Memoranda: | ||
Average total assets | $63,167,000 | 6,274 |
Average earning assets | $54,469,750 | 6,403 |
Average equity | $6,295,750 | 6,557 |
Average total loans | $37,733,250 | 6,248 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.3188% | 1,158 |
Cost of funding earning assets | 2.2252% | 2,685 |
Net interest margin | 4.0936% | 2,341 |
Noninterest income to average assets | 0.6131% | 3,579 |
Noninterest expense to average assets | 3.5231% | 2,273 |
Loan and lease loss provision to assets | 0.7656% | 2,160 |
Net operating income to assets | -0.2097% | 6,208 |
Return on assets (ROA) | -0.1779% | 6,174 |
Pretax return on assets | -0.1080% | 6,002 |
Return on Equity (ROE) | -1.7956% | 6,191 |
Retained earnings to average equity (ytd only) | -3.5272% | 6,046 |
Net charge-offs to loans | 0.8516% | 1,989 |
Credit loss provision to net charge-offs | 148.7654% | 3,102 |
Earnings coverage of net charge-offs (x) | 1.2160% | 4,621 |
Efficiency ratio | 80.7810% | 2,921 |
Assets per employee ($millions) | 1.8001% | 7,968 |
Cash dividends to net income (ytd only)* | -96.4286% | 8,072 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5227% | 3,075 |
Loan loss allowance to noncurrent loans | 92.1053% | 3,110 |
Noncurrent assets plus other real estate owned to assets | 1.1142% | 4,726 |
Noncurrent loans to loans | 1.6532% | 4,014 |
Net loans and leases to total assets | 57.4827% | 6,038 |
Net loans and leases to deposits | 64.1997% | 6,542 |
Net loans and leases to core deposits | 77.2086% | 6,595 |
Total domestic deposits to total assets | 89.5373% | 1,027 |
Equity capital to assets | 9.8421% | 4,161 |
Core capital (leverage) ratio | 6.7685% | 7,677 |
Tier 1 risk-based capital ratio | 9.9686% | 6,962 |
Total risk-based capital ratio | 11.2189% | 6,889 |
Memoranda: | ||
Average total assets | $62,956,000 | 6,333 |
Average earning assets | $54,377,670 | 6,450 |
Average equity | $6,237,330 | 6,624 |
Average total loans | $38,047,670 | 6,293 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.5416% | 800 |
Cost of funding earning assets | 2.2775% | 2,806 |
Net interest margin | 4.2640% | 1,690 |
Noninterest income to average assets | 0.6420% | 3,256 |
Noninterest expense to average assets | 3.6611% | 1,727 |
Loan and lease loss provision to assets | 1.3729% | 934 |
Net operating income to assets | -0.8072% | 7,133 |
Return on assets (ROA) | -0.7437% | 7,125 |
Pretax return on assets | -0.6038% | 6,908 |
Return on Equity (ROE) | -7.4814% | 7,191 |
Retained earnings to average equity (ytd only) | -10.9344% | 7,197 |
Net charge-offs to loans | 1.4890% | 969 |
Credit loss provision to net charge-offs | 150.0000% | 2,773 |
Earnings coverage of net charge-offs (x) | 0.7708% | 4,404 |
Efficiency ratio | 79.9127% | 2,839 |
Assets per employee ($millions) | 1.8852% | 7,972 |
Cash dividends to net income (ytd only)* | -46.1538% | 8,140 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4736% | 3,119 |
Loan loss allowance to noncurrent loans | 97.7032% | 3,128 |
Noncurrent assets plus other real estate owned to assets | 1.0297% | 4,636 |
Noncurrent loans to loans | 1.5082% | 4,022 |
Net loans and leases to total assets | 57.6851% | 5,996 |
Net loans and leases to deposits | 64.2809% | 6,536 |
Net loans and leases to core deposits | 77.1421% | 6,600 |
Total domestic deposits to total assets | 89.7391% | 916 |
Equity capital to assets | 9.6368% | 4,472 |
Core capital (leverage) ratio | 6.5850% | 7,845 |
Tier 1 risk-based capital ratio | 8.9270% | 7,830 |
Total risk-based capital ratio | 10.1387% | 7,892 |
Memoranda: | ||
Average total assets | $62,931,500 | 6,360 |
Average earning assets | $54,971,500 | 6,458 |
Average equity | $6,255,500 | 6,670 |
Average total loans | $38,683,000 | 6,294 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.8782% | 1,470 |
Cost of funding earning assets | 3.0564% | 1,653 |
Net interest margin | 3.8218% | 3,931 |
Noninterest income to average assets | 0.6916% | 3,174 |
Noninterest expense to average assets | 3.2629% | 3,102 |
Loan and lease loss provision to assets | 0.1885% | 5,003 |
Net operating income to assets | 0.4683% | 4,874 |
Return on assets (ROA) | 0.4584% | 4,738 |
Pretax return on assets | 0.5846% | 4,740 |
Return on Equity (ROE) | 4.7814% | 4,482 |
Retained earnings to average equity (ytd only) | 3.5319% | 2,941 |
Net charge-offs to loans | 0.1541% | 4,656 |
Credit loss provision to net charge-offs | 203.4483% | 2,388 |
Earnings coverage of net charge-offs (x) | 8.4828% | 2,875 |
Efficiency ratio | 80.5917% | 2,519 |
Assets per employee ($millions) | 1.7157% | 8,089 |
Cash dividends to net income (ytd only)* | 26.1324% | 4,252 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2074% | 4,474 |
Loan loss allowance to noncurrent loans | 46.7899% | 5,677 |
Noncurrent assets plus other real estate owned to assets | 1.8392% | 2,683 |
Noncurrent loans to loans | 2.5805% | 2,099 |
Net loans and leases to total assets | 63.7206% | 5,334 |
Net loans and leases to deposits | 71.4309% | 6,123 |
Net loans and leases to core deposits | 86.8367% | 6,071 |
Total domestic deposits to total assets | 89.2059% | 960 |
Equity capital to assets | 10.2550% | 3,754 |
Core capital (leverage) ratio | 6.9604% | 7,722 |
Tier 1 risk-based capital ratio | 9.9844% | 6,749 |
Total risk-based capital ratio | 11.1227% | 6,766 |
Memoranda: | ||
Average total assets | $62,612,200 | 6,294 |
Average earning assets | $54,999,600 | 6,371 |
Average equity | $6,002,400 | 6,803 |
Average total loans | $37,634,400 | 6,282 |