Home > Sheridan State Bank > Performance and Condition Ratios
Sheridan State Bank, Performance and Condition Ratios
2015-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.2663% | 5,402 |
Cost of funding earning assets | 0.1764% | 5,494 |
Net interest margin | 3.0900% | 4,926 |
Noninterest income to average assets | 0.4255% | 3,850 |
Noninterest expense to average assets | 2.1468% | 5,155 |
Loan and lease loss provision to assets | 0.0195% | 4,017 |
Net operating income to assets | 0.6593% | 3,997 |
Return on assets (ROA) | 0.6593% | 4,084 |
Pretax return on assets | 0.9906% | 3,510 |
Return on Equity (ROE) | 5.2900% | 4,377 |
Retained earnings to average equity (ytd only) | 3.2835% | 3,717 |
Net charge-offs to loans | 0.0169% | 3,944 |
Credit loss provision to net charge-offs | 200.0000% | 1,388 |
Earnings coverage of net charge-offs (x) | 103.6667% | 559 |
Efficiency ratio | 68.0041% | 3,576 |
Assets per employee ($millions) | 4.3886% | 3,235 |
Cash dividends to net income (ytd only)* | 37.9310% | 2,957 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9518% | 4,861 |
Loan loss allowance to noncurrent loans | 123.4043% | 3,199 |
Noncurrent assets plus other real estate owned to assets | 0.4590% | 3,767 |
Noncurrent loans to loans | 0.7713% | 2,866 |
Net loans and leases to total assets | 58.9421% | 3,978 |
Net loans and leases to deposits | 67.6417% | 4,160 |
Net loans and leases to core deposits | 68.2871% | 4,426 |
Total domestic deposits to total assets | 87.1387% | 2,055 |
Equity capital to assets | 12.7018% | 1,508 |
Core capital (leverage) ratio | 10.4093% | 3,050 |
Tier 1 risk-based capital ratio | 19.1596% | 1,667 |
Total risk-based capital ratio | 20.2254% | 1,668 |
Memoranda: | ||
Average total assets | $30,789,600 | 5,943 |
Average earning assets | $27,217,200 | 5,945 |
Average equity | $3,837,400 | 5,884 |
Average total loans | $17,731,800 | 5,799 |
2015-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.2517% | 5,503 |
Cost of funding earning assets | 0.1771% | 5,577 |
Net interest margin | 3.0746% | 5,023 |
Noninterest income to average assets | 0.4328% | 3,848 |
Noninterest expense to average assets | 2.1250% | 5,224 |
Loan and lease loss provision to assets | 0.0217% | 3,841 |
Net operating income to assets | 0.6535% | 4,110 |
Return on assets (ROA) | 0.6535% | 4,222 |
Pretax return on assets | 0.9911% | 3,647 |
Return on Equity (ROE) | 5.2687% | 4,508 |
Retained earnings to average equity (ytd only) | 3.2450% | 4,150 |
Net charge-offs to loans | 0.0227% | 3,485 |
Credit loss provision to net charge-offs | 166.6667% | 1,548 |
Earnings coverage of net charge-offs (x) | 77.9975% | 759 |
Efficiency ratio | 67.7241% | 3,598 |
Assets per employee ($millions) | 4.3151% | 3,297 |
Cash dividends to net income (ytd only)* | 38.4096% | 2,388 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9796% | 4,842 |
Loan loss allowance to noncurrent loans | 119.3103% | 3,283 |
Noncurrent assets plus other real estate owned to assets | 0.4800% | 3,889 |
Noncurrent loans to loans | 0.8210% | 2,916 |
Net loans and leases to total assets | 57.8958% | 4,154 |
Net loans and leases to deposits | 66.5626% | 4,327 |
Net loans and leases to core deposits | 67.2073% | 4,611 |
Total domestic deposits to total assets | 86.9794% | 2,051 |
Equity capital to assets | 12.8087% | 1,557 |
Core capital (leverage) ratio | 10.2011% | 3,373 |
Tier 1 risk-based capital ratio | 19.4495% | 1,673 |
Total risk-based capital ratio | 20.5367% | 1,677 |
Memoranda: | ||
Average total assets | $30,807,000 | 6,026 |
Average earning assets | $27,103,250 | 6,028 |
Average equity | $3,821,250 | 5,966 |
Average total loans | $17,594,500 | 5,876 |
2015-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.2163% | 5,595 |
Cost of funding earning assets | 0.1770% | 5,636 |
Net interest margin | 3.0393% | 5,121 |
Noninterest income to average assets | 0.4193% | 3,931 |
Noninterest expense to average assets | 2.1092% | 5,319 |
Loan and lease loss provision to assets | 0.0194% | 3,743 |
Net operating income to assets | 0.6257% | 4,232 |
Return on assets (ROA) | 0.6257% | 4,346 |
Pretax return on assets | 0.9482% | 3,776 |
Return on Equity (ROE) | 5.0981% | 4,573 |
Retained earnings to average equity (ytd only) | 3.0484% | 4,105 |
Net charge-offs to loans | 0.0000% | 3,893 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 68.5535% | 3,584 |
Assets per employee ($millions) | 4.4200% | 3,110 |
Cash dividends to net income (ytd only)* | 40.2062% | 2,376 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9909% | 4,910 |
Loan loss allowance to noncurrent loans | 78.0269% | 4,266 |
Noncurrent assets plus other real estate owned to assets | 0.7207% | 3,230 |
Noncurrent loans to loans | 1.2700% | 2,120 |
Net loans and leases to total assets | 56.1894% | 4,316 |
Net loans and leases to deposits | 64.2271% | 4,510 |
Net loans and leases to core deposits | 64.8307% | 4,749 |
Total domestic deposits to total assets | 87.4855% | 1,913 |
Equity capital to assets | 12.3917% | 1,732 |
Core capital (leverage) ratio | 10.0285% | 3,554 |
Tier 1 risk-based capital ratio | 18.3596% | 1,964 |
Total risk-based capital ratio | 19.4036% | 1,982 |
Memoranda: | ||
Average total assets | $31,007,330 | 6,090 |
Average earning assets | $27,111,670 | 6,096 |
Average equity | $3,805,330 | 6,028 |
Average total loans | $17,572,330 | 5,940 |
2015-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.1642% | 5,703 |
Cost of funding earning assets | 0.1766% | 5,704 |
Net interest margin | 2.9876% | 5,248 |
Noninterest income to average assets | 0.2706% | 5,016 |
Noninterest expense to average assets | 1.8943% | 5,765 |
Loan and lease loss provision to assets | 0.0129% | 3,557 |
Net operating income to assets | 0.6443% | 4,070 |
Return on assets (ROA) | 0.6443% | 4,188 |
Pretax return on assets | 0.9793% | 3,567 |
Return on Equity (ROE) | 5.2757% | 4,392 |
Retained earnings to average equity (ytd only) | 3.1654% | 4,086 |
Net charge-offs to loans | 0.0000% | 3,288 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 65.6250% | 4,220 |
Assets per employee ($millions) | 4.5627% | 2,949 |
Cash dividends to net income (ytd only)* | 40.0000% | 2,044 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9909% | 5,082 |
Loan loss allowance to noncurrent loans | 163.8095% | 2,599 |
Noncurrent assets plus other real estate owned to assets | 0.3288% | 4,673 |
Noncurrent loans to loans | 0.6049% | 3,760 |
Net loans and leases to total assets | 53.8088% | 4,467 |
Net loans and leases to deposits | 61.2299% | 4,641 |
Net loans and leases to core deposits | 61.7846% | 4,853 |
Total domestic deposits to total assets | 87.8800% | 1,892 |
Equity capital to assets | 11.9165% | 2,087 |
Core capital (leverage) ratio | 9.7139% | 3,999 |
Tier 1 risk-based capital ratio | 18.1611% | 2,093 |
Total risk-based capital ratio | 19.1914% | 2,113 |
Memoranda: | ||
Average total assets | $31,041,000 | 6,157 |
Average earning assets | $27,179,000 | 6,158 |
Average equity | $3,791,000 | 6,088 |
Average total loans | $17,579,000 | 5,993 |
2014-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3261% | 5,666 |
Cost of funding earning assets | 0.1957% | 5,780 |
Net interest margin | 3.1304% | 5,128 |
Noninterest income to average assets | 0.2968% | 4,998 |
Noninterest expense to average assets | 1.9945% | 5,771 |
Loan and lease loss provision to assets | 0.0200% | 4,216 |
Net operating income to assets | 0.6504% | 4,140 |
Return on assets (ROA) | 0.6504% | 4,247 |
Pretax return on assets | 1.0039% | 3,479 |
Return on Equity (ROE) | 5.2518% | 4,532 |
Retained earnings to average equity (ytd only) | 3.2588% | 3,910 |
Net charge-offs to loans | -0.0057% | 5,478 |
Credit loss provision to net charge-offs | -600.0000% | 5,820 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 66.0773% | 4,234 |
Assets per employee ($millions) | 4.3061% | 3,355 |
Cash dividends to net income (ytd only)* | 37.9487% | 2,964 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9607% | 5,246 |
Loan loss allowance to noncurrent loans | 247.8261% | 1,918 |
Noncurrent assets plus other real estate owned to assets | 0.2289% | 5,106 |
Noncurrent loans to loans | 0.3876% | 4,482 |
Net loans and leases to total assets | 58.4846% | 3,995 |
Net loans and leases to deposits | 67.0457% | 4,214 |
Net loans and leases to core deposits | 67.6945% | 4,534 |
Total domestic deposits to total assets | 87.2309% | 2,156 |
Equity capital to assets | 12.5270% | 1,633 |
Core capital (leverage) ratio | 10.1859% | 3,327 |
Tier 1 risk-based capital ratio | 17.9631% | 2,151 |
Total risk-based capital ratio | 18.9864% | 2,191 |
Memoranda: | ||
Average total assets | $29,983,200 | 6,251 |
Average earning assets | $26,066,600 | 6,261 |
Average equity | $3,713,000 | 6,143 |
Average total loans | $17,425,000 | 6,070 |
2014-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3099% | 5,751 |
Cost of funding earning assets | 0.2001% | 5,826 |
Net interest margin | 3.1098% | 5,226 |
Noninterest income to average assets | 0.2894% | 5,129 |
Noninterest expense to average assets | 1.9904% | 5,786 |
Loan and lease loss provision to assets | 0.0178% | 4,056 |
Net operating income to assets | 0.6323% | 4,294 |
Return on assets (ROA) | 0.6323% | 4,397 |
Pretax return on assets | 0.9796% | 3,678 |
Return on Equity (ROE) | 5.1208% | 4,666 |
Retained earnings to average equity (ytd only) | 3.1734% | 4,371 |
Net charge-offs to loans | -0.0077% | 5,373 |
Credit loss provision to net charge-offs | -400.0000% | 5,705 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 66.6170% | 4,112 |
Assets per employee ($millions) | 4.3653% | 3,189 |
Cash dividends to net income (ytd only)* | 38.0288% | 2,433 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9784% | 5,302 |
Loan loss allowance to noncurrent loans | 238.0282% | 1,891 |
Noncurrent assets plus other real estate owned to assets | 0.2324% | 5,287 |
Noncurrent loans to loans | 0.4110% | 4,671 |
Net loans and leases to total assets | 55.9741% | 4,334 |
Net loans and leases to deposits | 63.9258% | 4,544 |
Net loans and leases to core deposits | 64.5312% | 4,837 |
Total domestic deposits to total assets | 87.5610% | 2,005 |
Equity capital to assets | 12.2492% | 1,868 |
Core capital (leverage) ratio | 9.8986% | 3,821 |
Tier 1 risk-based capital ratio | 17.7902% | 2,280 |
Total risk-based capital ratio | 18.8028% | 2,338 |
Memoranda: | ||
Average total assets | $29,943,250 | 6,324 |
Average earning assets | $25,981,750 | 6,341 |
Average equity | $3,697,250 | 6,216 |
Average total loans | $17,331,250 | 6,134 |
2014-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.2781% | 5,830 |
Cost of funding earning assets | 0.2001% | 5,912 |
Net interest margin | 3.0780% | 5,322 |
Noninterest income to average assets | 0.2623% | 5,324 |
Noninterest expense to average assets | 2.0108% | 5,826 |
Loan and lease loss provision to assets | 0.0202% | 3,869 |
Net operating income to assets | 0.5985% | 4,361 |
Return on assets (ROA) | 0.5985% | 4,454 |
Pretax return on assets | 0.9214% | 3,802 |
Return on Equity (ROE) | 4.8343% | 4,756 |
Retained earnings to average equity (ytd only) | 2.9875% | 4,298 |
Net charge-offs to loans | -0.0576% | 5,937 |
Credit loss provision to net charge-offs | -60.0000% | 5,189 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 68.1093% | 3,989 |
Assets per employee ($millions) | 3.7685% | 4,316 |
Cash dividends to net income (ytd only)* | 38.2022% | 2,484 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9972% | 5,365 |
Loan loss allowance to noncurrent loans | 235.6164% | 1,862 |
Noncurrent assets plus other real estate owned to assets | 0.2421% | 5,372 |
Noncurrent loans to loans | 0.4232% | 4,726 |
Net loans and leases to total assets | 56.6439% | 4,170 |
Net loans and leases to deposits | 64.7690% | 4,408 |
Net loans and leases to core deposits | 65.3915% | 4,694 |
Total domestic deposits to total assets | 87.4552% | 2,215 |
Equity capital to assets | 12.3060% | 1,770 |
Core capital (leverage) ratio | 10.0514% | 3,533 |
Tier 1 risk-based capital ratio | 17.7961% | 2,312 |
Total risk-based capital ratio | 18.8386% | 2,357 |
Memoranda: | ||
Average total assets | $29,738,670 | 6,386 |
Average earning assets | $25,990,670 | 6,395 |
Average equity | $3,682,000 | 6,264 |
Average total loans | $17,350,670 | 6,181 |
2014-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.2684% | 5,902 |
Cost of funding earning assets | 0.2004% | 5,993 |
Net interest margin | 3.0680% | 5,346 |
Noninterest income to average assets | 0.2302% | 5,511 |
Noninterest expense to average assets | 2.0180% | 5,849 |
Loan and lease loss provision to assets | 0.0135% | 3,652 |
Net operating income to assets | 0.5824% | 4,279 |
Return on assets (ROA) | 0.5824% | 4,350 |
Pretax return on assets | 0.8939% | 3,717 |
Return on Equity (ROE) | 4.6892% | 4,696 |
Retained earnings to average equity (ytd only) | 2.8353% | 4,391 |
Net charge-offs to loans | -0.1149% | 6,175 |
Credit loss provision to net charge-offs | -20.0000% | 4,698 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 68.9815% | 4,006 |
Assets per employee ($millions) | 3.7165% | 4,484 |
Cash dividends to net income (ytd only)* | 39.5349% | 2,010 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9991% | 5,528 |
Loan loss allowance to noncurrent loans | 212.5000% | 1,992 |
Noncurrent assets plus other real estate owned to assets | 0.2691% | 5,368 |
Noncurrent loans to loans | 0.4702% | 4,751 |
Net loans and leases to total assets | 56.6561% | 4,056 |
Net loans and leases to deposits | 64.8608% | 4,222 |
Net loans and leases to core deposits | 65.4938% | 4,551 |
Total domestic deposits to total assets | 87.3503% | 2,597 |
Equity capital to assets | 12.3806% | 1,637 |
Core capital (leverage) ratio | 9.9449% | 3,642 |
Tier 1 risk-based capital ratio | 17.8016% | 2,375 |
Total risk-based capital ratio | 18.8426% | 2,422 |
Memoranda: | ||
Average total assets | $29,534,000 | 6,459 |
Average earning assets | $25,945,500 | 6,461 |
Average equity | $3,668,000 | 6,315 |
Average total loans | $17,401,500 | 6,241 |
2013-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4229% | 5,794 |
Cost of funding earning assets | 0.2542% | 5,938 |
Net interest margin | 3.1687% | 5,094 |
Noninterest income to average assets | 0.3094% | 5,122 |
Noninterest expense to average assets | 1.9791% | 6,065 |
Loan and lease loss provision to assets | 0.0204% | 4,727 |
Net operating income to assets | 0.6121% | 4,208 |
Return on assets (ROA) | 0.6121% | 4,325 |
Pretax return on assets | 0.9385% | 3,604 |
Return on Equity (ROE) | 5.0058% | 4,631 |
Retained earnings to average equity (ytd only) | 3.0035% | 4,100 |
Net charge-offs to loans | 0.0061% | 5,344 |
Credit loss provision to net charge-offs | 600.0000% | 389 |
Earnings coverage of net charge-offs (x) | 282.0000% | 159 |
Efficiency ratio | 67.3611% | 4,315 |
Assets per employee ($millions) | 3.6670% | 4,557 |
Cash dividends to net income (ytd only)* | 40.0000% | 2,811 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9220% | 5,850 |
Loan loss allowance to noncurrent loans | 107.8947% | 3,417 |
Noncurrent assets plus other real estate owned to assets | 0.5181% | 4,690 |
Noncurrent loans to loans | 0.8545% | 3,842 |
Net loans and leases to total assets | 60.0764% | 3,703 |
Net loans and leases to deposits | 68.8518% | 3,927 |
Net loans and leases to core deposits | 69.5337% | 4,335 |
Total domestic deposits to total assets | 87.2546% | 2,600 |
Equity capital to assets | 12.4591% | 1,533 |
Core capital (leverage) ratio | 9.7463% | 3,916 |
Tier 1 risk-based capital ratio | 16.9981% | 2,607 |
Total risk-based capital ratio | 17.9657% | 2,706 |
Memoranda: | ||
Average total assets | $29,408,000 | 6,528 |
Average earning assets | $24,394,800 | 6,569 |
Average equity | $3,595,800 | 6,418 |
Average total loans | $16,387,000 | 6,357 |
2013-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4167% | 5,853 |
Cost of funding earning assets | 0.2671% | 5,978 |
Net interest margin | 3.1496% | 5,150 |
Noninterest income to average assets | 0.3036% | 5,271 |
Noninterest expense to average assets | 1.9529% | 6,091 |
Loan and lease loss provision to assets | 0.0227% | 4,555 |
Net operating income to assets | 0.5845% | 4,413 |
Return on assets (ROA) | 0.5845% | 4,542 |
Pretax return on assets | 0.8926% | 3,920 |
Return on Equity (ROE) | 4.8031% | 4,826 |
Retained earnings to average equity (ytd only) | 2.7551% | 4,672 |
Net charge-offs to loans | -0.0166% | 6,007 |
Credit loss provision to net charge-offs | -250.0000% | 5,937 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 68.0885% | 4,085 |
Assets per employee ($millions) | 3.8109% | 4,209 |
Cash dividends to net income (ytd only)* | 42.6337% | 2,177 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9709% | 5,837 |
Loan loss allowance to noncurrent loans | 210.1266% | 1,908 |
Noncurrent assets plus other real estate owned to assets | 0.2591% | 5,663 |
Noncurrent loans to loans | 0.4620% | 5,036 |
Net loans and leases to total assets | 55.5384% | 4,389 |
Net loans and leases to deposits | 63.2216% | 4,600 |
Net loans and leases to core deposits | 63.8173% | 4,920 |
Total domestic deposits to total assets | 87.8473% | 2,222 |
Equity capital to assets | 11.8772% | 1,996 |
Core capital (leverage) ratio | 9.6007% | 4,242 |
Tier 1 risk-based capital ratio | 17.2337% | 2,616 |
Total risk-based capital ratio | 18.2385% | 2,675 |
Memoranda: | ||
Average total assets | $29,426,000 | 6,602 |
Average earning assets | $23,960,000 | 6,652 |
Average equity | $3,581,000 | 6,498 |
Average total loans | $16,036,750 | 6,433 |
2013-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4360% | 5,826 |
Cost of funding earning assets | 0.2821% | 5,969 |
Net interest margin | 3.1540% | 5,113 |
Noninterest income to average assets | 0.2752% | 5,482 |
Noninterest expense to average assets | 1.9675% | 6,101 |
Loan and lease loss provision to assets | 0.0206% | 4,486 |
Net operating income to assets | 0.5435% | 4,585 |
Return on assets (ROA) | 0.5435% | 4,757 |
Pretax return on assets | 0.8255% | 4,218 |
Return on Equity (ROE) | 4.4287% | 5,040 |
Retained earnings to average equity (ytd only) | 2.4105% | 4,765 |
Net charge-offs to loans | -0.0383% | 6,164 |
Credit loss provision to net charge-offs | -100.0000% | 5,619 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 69.9267% | 3,843 |
Assets per employee ($millions) | 3.7330% | 4,339 |
Cash dividends to net income (ytd only)* | 45.5696% | 2,041 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0333% | 5,695 |
Loan loss allowance to noncurrent loans | 31.1321% | 5,973 |
Noncurrent assets plus other real estate owned to assets | 1.7747% | 2,450 |
Noncurrent loans to loans | 3.3191% | 1,309 |
Net loans and leases to total assets | 52.9166% | 4,750 |
Net loans and leases to deposits | 60.2455% | 4,948 |
Net loans and leases to core deposits | 60.2455% | 5,247 |
Total domestic deposits to total assets | 87.8349% | 2,365 |
Equity capital to assets | 12.0212% | 1,903 |
Core capital (leverage) ratio | 10.0185% | 3,481 |
Tier 1 risk-based capital ratio | 17.6796% | 2,442 |
Total risk-based capital ratio | 18.7155% | 2,496 |
Memoranda: | ||
Average total assets | $29,072,330 | 6,668 |
Average earning assets | $23,399,000 | 6,711 |
Average equity | $3,567,670 | 6,547 |
Average total loans | $15,683,000 | 6,488 |
2013-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4644% | 5,801 |
Cost of funding earning assets | 0.2974% | 5,981 |
Net interest margin | 3.1670% | 5,037 |
Noninterest income to average assets | 0.2790% | 5,460 |
Noninterest expense to average assets | 2.0086% | 6,091 |
Loan and lease loss provision to assets | 0.0139% | 4,279 |
Net operating income to assets | 0.5161% | 4,579 |
Return on assets (ROA) | 0.5161% | 4,726 |
Pretax return on assets | 0.7811% | 4,247 |
Return on Equity (ROE) | 4.1614% | 5,010 |
Retained earnings to average equity (ytd only) | 2.1369% | 4,931 |
Net charge-offs to loans | -0.0772% | 6,329 |
Credit loss provision to net charge-offs | -33.3333% | 5,014 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 71.6418% | 3,680 |
Assets per employee ($millions) | 3.6285% | 4,717 |
Cash dividends to net income (ytd only)* | 48.6486% | 1,617 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0591% | 5,758 |
Loan loss allowance to noncurrent loans | 69.6581% | 4,348 |
Noncurrent assets plus other real estate owned to assets | 0.8061% | 4,356 |
Noncurrent loans to loans | 1.5204% | 3,266 |
Net loans and leases to total assets | 52.4597% | 4,631 |
Net loans and leases to deposits | 59.8914% | 4,802 |
Net loans and leases to core deposits | 60.4982% | 5,094 |
Total domestic deposits to total assets | 87.5913% | 2,580 |
Equity capital to assets | 12.2847% | 1,847 |
Core capital (leverage) ratio | 9.8476% | 3,602 |
Tier 1 risk-based capital ratio | 18.3769% | 2,234 |
Total risk-based capital ratio | 19.4497% | 2,254 |
Memoranda: | ||
Average total assets | $28,676,500 | 6,744 |
Average earning assets | $22,861,000 | 6,791 |
Average equity | $3,556,500 | 6,618 |
Average total loans | $15,540,500 | 6,553 |
2012-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8293% | 5,758 |
Cost of funding earning assets | 0.4016% | 5,907 |
Net interest margin | 3.4277% | 4,787 |
Noninterest income to average assets | 0.3483% | 4,980 |
Noninterest expense to average assets | 2.0680% | 6,194 |
Loan and lease loss provision to assets | 0.0215% | 5,628 |
Net operating income to assets | 0.6175% | 4,154 |
Return on assets (ROA) | 0.6175% | 4,421 |
Pretax return on assets | 0.8940% | 3,937 |
Return on Equity (ROE) | 4.9326% | 4,705 |
Retained earnings to average equity (ytd only) | 3.0685% | 4,075 |
Net charge-offs to loans | 0.0066% | 5,866 |
Credit loss provision to net charge-offs | 600.0000% | 404 |
Earnings coverage of net charge-offs (x) | 255.0000% | 156 |
Efficiency ratio | 69.3141% | 3,925 |
Assets per employee ($millions) | 3.5406% | 4,921 |
Cash dividends to net income (ytd only)* | 37.7907% | 2,988 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0134% | 5,920 |
Loan loss allowance to noncurrent loans | 50.1577% | 5,124 |
Noncurrent assets plus other real estate owned to assets | 1.4369% | 3,235 |
Noncurrent loans to loans | 2.0204% | 2,672 |
Net loans and leases to total assets | 54.8314% | 4,483 |
Net loans and leases to deposits | 62.8302% | 4,680 |
Net loans and leases to core deposits | 63.4825% | 5,020 |
Total domestic deposits to total assets | 87.2692% | 2,661 |
Equity capital to assets | 12.5225% | 1,696 |
Core capital (leverage) ratio | 10.0271% | 3,361 |
Tier 1 risk-based capital ratio | 18.3412% | 2,156 |
Total risk-based capital ratio | 19.3928% | 2,177 |
Memoranda: | ||
Average total assets | $27,853,200 | 6,806 |
Average earning assets | $21,413,600 | 6,876 |
Average equity | $3,487,000 | 6,689 |
Average total loans | $15,126,200 | 6,650 |
2012-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8636% | 5,876 |
Cost of funding earning assets | 0.4279% | 5,942 |
Net interest margin | 3.4357% | 4,899 |
Noninterest income to average assets | 0.3557% | 4,977 |
Noninterest expense to average assets | 2.0815% | 6,204 |
Loan and lease loss provision to assets | 0.0240% | 5,491 |
Net operating income to assets | 0.5673% | 4,535 |
Return on assets (ROA) | 0.5673% | 4,805 |
Pretax return on assets | 0.8749% | 4,210 |
Return on Equity (ROE) | 4.5314% | 5,031 |
Retained earnings to average equity (ytd only) | 2.6881% | 4,948 |
Net charge-offs to loans | 0.0089% | 5,593 |
Credit loss provision to net charge-offs | 500.0000% | 530 |
Earnings coverage of net charge-offs (x) | 187.4662% | 239 |
Efficiency ratio | 69.8387% | 3,721 |
Assets per employee ($millions) | 3.5363% | 4,887 |
Cash dividends to net income (ytd only)* | 40.6788% | 2,131 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0277% | 5,977 |
Loan loss allowance to noncurrent loans | 41.1458% | 5,594 |
Noncurrent assets plus other real estate owned to assets | 1.3574% | 3,587 |
Noncurrent loans to loans | 2.4977% | 2,301 |
Net loans and leases to total assets | 53.7858% | 4,781 |
Net loans and leases to deposits | 61.5061% | 5,026 |
Net loans and leases to core deposits | 62.1416% | 5,345 |
Total domestic deposits to total assets | 87.4479% | 2,382 |
Equity capital to assets | 12.4072% | 1,958 |
Core capital (leverage) ratio | 10.0135% | 3,516 |
Tier 1 risk-based capital ratio | 18.5466% | 2,147 |
Total risk-based capital ratio | 19.6177% | 2,181 |
Memoranda: | ||
Average total assets | $27,735,250 | 6,897 |
Average earning assets | $21,188,750 | 6,970 |
Average equity | $3,472,000 | 6,776 |
Average total loans | $14,985,250 | 6,745 |
2012-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8783% | 5,962 |
Cost of funding earning assets | 0.4490% | 5,982 |
Net interest margin | 3.4293% | 4,975 |
Noninterest income to average assets | 0.3557% | 4,989 |
Noninterest expense to average assets | 2.1052% | 6,221 |
Loan and lease loss provision to assets | 0.0218% | 5,394 |
Net operating income to assets | 0.5372% | 4,642 |
Return on assets (ROA) | 0.5372% | 4,918 |
Pretax return on assets | 0.8348% | 4,334 |
Return on Equity (ROE) | 4.2783% | 5,140 |
Retained earnings to average equity (ytd only) | 2.4282% | 4,978 |
Net charge-offs to loans | 0.0135% | 5,252 |
Credit loss provision to net charge-offs | 300.0000% | 969 |
Earnings coverage of net charge-offs (x) | 118.0000% | 370 |
Efficiency ratio | 71.0784% | 3,586 |
Assets per employee ($millions) | 3.5799% | 4,790 |
Cash dividends to net income (ytd only)* | 43.2432% | 2,029 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0269% | 6,051 |
Loan loss allowance to noncurrent loans | 47.4164% | 5,259 |
Noncurrent assets plus other real estate owned to assets | 1.1488% | 4,092 |
Noncurrent loans to loans | 2.1658% | 2,748 |
Net loans and leases to total assets | 52.4983% | 5,032 |
Net loans and leases to deposits | 59.9171% | 5,245 |
Net loans and leases to core deposits | 60.5274% | 5,541 |
Total domestic deposits to total assets | 87.6183% | 2,388 |
Equity capital to assets | 12.1582% | 2,023 |
Core capital (leverage) ratio | 10.0808% | 3,302 |
Tier 1 risk-based capital ratio | 18.5188% | 2,128 |
Total risk-based capital ratio | 19.5856% | 2,151 |
Memoranda: | ||
Average total assets | $27,550,330 | 6,960 |
Average earning assets | $20,937,000 | 7,033 |
Average equity | $3,459,330 | 6,819 |
Average total loans | $14,855,670 | 6,808 |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9014% | 6,014 |
Cost of funding earning assets | 0.4613% | 6,074 |
Net interest margin | 3.4402% | 4,954 |
Noninterest income to average assets | 0.3407% | 5,130 |
Noninterest expense to average assets | 2.1773% | 6,099 |
Loan and lease loss provision to assets | 0.0148% | 5,132 |
Net operating income to assets | 0.5036% | 4,814 |
Return on assets (ROA) | 0.5036% | 5,023 |
Pretax return on assets | 0.7998% | 4,413 |
Return on Equity (ROE) | 3.9443% | 5,321 |
Retained earnings to average equity (ytd only) | 1.8561% | 5,318 |
Net charge-offs to loans | -0.1089% | 6,820 |
Credit loss provision to net charge-offs | -25.0000% | 5,385 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 72.7723% | 3,298 |
Assets per employee ($millions) | 3.4394% | 5,260 |
Cash dividends to net income (ytd only)* | 52.9412% | 1,383 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0885% | 5,937 |
Loan loss allowance to noncurrent loans | 68.5345% | 4,094 |
Noncurrent assets plus other real estate owned to assets | 0.8432% | 4,845 |
Noncurrent loans to loans | 1.5883% | 3,734 |
Net loans and leases to total assets | 52.5095% | 4,947 |
Net loans and leases to deposits | 60.1524% | 5,125 |
Net loans and leases to core deposits | 60.7902% | 5,458 |
Total domestic deposits to total assets | 87.2942% | 2,772 |
Equity capital to assets | 12.5604% | 1,683 |
Core capital (leverage) ratio | 10.1780% | 3,140 |
Tier 1 risk-based capital ratio | 19.4165% | 1,865 |
Total risk-based capital ratio | 20.5676% | 1,859 |
Memoranda: | ||
Average total assets | $27,006,000 | 7,023 |
Average earning assets | $20,813,000 | 7,095 |
Average equity | $3,448,000 | 6,864 |
Average total loans | $14,688,000 | 6,879 |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3772% | 5,510 |
Cost of funding earning assets | 0.6148% | 6,018 |
Net interest margin | 3.7624% | 4,021 |
Noninterest income to average assets | 0.3997% | 4,616 |
Noninterest expense to average assets | 2.2907% | 6,057 |
Loan and lease loss provision to assets | 0.0346% | 6,131 |
Net operating income to assets | 0.6764% | 3,597 |
Return on assets (ROA) | 0.6764% | 3,794 |
Pretax return on assets | 1.0147% | 3,187 |
Return on Equity (ROE) | 5.2099% | 4,289 |
Retained earnings to average equity (ytd only) | 3.5818% | 3,679 |
Net charge-offs to loans | 0.0265% | 6,062 |
Credit loss provision to net charge-offs | 225.0000% | 1,080 |
Earnings coverage of net charge-offs (x) | 68.2500% | 438 |
Efficiency ratio | 68.5846% | 4,238 |
Assets per employee ($millions) | 3.3121% | 5,478 |
Cash dividends to net income (ytd only)* | 31.2500% | 3,065 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0427% | 6,025 |
Loan loss allowance to noncurrent loans | 40.4199% | 5,575 |
Noncurrent assets plus other real estate owned to assets | 1.4379% | 3,830 |
Noncurrent loans to loans | 2.5797% | 2,544 |
Net loans and leases to total assets | 55.1572% | 4,860 |
Net loans and leases to deposits | 63.5462% | 5,062 |
Net loans and leases to core deposits | 64.2474% | 5,440 |
Total domestic deposits to total assets | 86.7985% | 2,878 |
Equity capital to assets | 12.9826% | 1,490 |
Core capital (leverage) ratio | 10.2641% | 3,008 |
Tier 1 risk-based capital ratio | 19.3328% | 1,804 |
Total risk-based capital ratio | 20.4496% | 1,808 |
Memoranda: | ||
Average total assets | $26,018,800 | 7,070 |
Average earning assets | $20,332,600 | 7,136 |
Average equity | $3,378,200 | 6,914 |
Average total loans | $15,084,800 | 6,902 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4400% | 5,460 |
Cost of funding earning assets | 0.6465% | 6,051 |
Net interest margin | 3.7935% | 3,905 |
Noninterest income to average assets | 0.3861% | 4,763 |
Noninterest expense to average assets | 2.2651% | 6,132 |
Loan and lease loss provision to assets | 0.0412% | 5,921 |
Net operating income to assets | 0.7001% | 3,623 |
Return on assets (ROA) | 0.7001% | 3,790 |
Pretax return on assets | 1.0399% | 3,251 |
Return on Equity (ROE) | 5.3923% | 4,339 |
Retained earnings to average equity (ytd only) | 3.8064% | 4,024 |
Net charge-offs to loans | 0.0351% | 5,654 |
Credit loss provision to net charge-offs | 200.0000% | 1,454 |
Earnings coverage of net charge-offs (x) | 52.5310% | 623 |
Efficiency ratio | 67.6923% | 4,380 |
Assets per employee ($millions) | 3.4085% | 5,228 |
Cash dividends to net income (ytd only)* | 29.4105% | 2,501 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0201% | 6,167 |
Loan loss allowance to noncurrent loans | 51.6892% | 4,904 |
Noncurrent assets plus other real estate owned to assets | 1.0855% | 4,586 |
Noncurrent loans to loans | 1.9736% | 3,401 |
Net loans and leases to total assets | 54.4411% | 5,100 |
Net loans and leases to deposits | 62.3399% | 5,362 |
Net loans and leases to core deposits | 63.0040% | 5,718 |
Total domestic deposits to total assets | 87.3295% | 2,456 |
Equity capital to assets | 12.5238% | 1,908 |
Core capital (leverage) ratio | 10.1973% | 3,196 |
Tier 1 risk-based capital ratio | 19.1197% | 1,892 |
Total risk-based capital ratio | 20.2273% | 1,922 |
Memoranda: | ||
Average total assets | $25,899,250 | 7,148 |
Average earning assets | $20,209,500 | 7,212 |
Average equity | $3,362,750 | 6,977 |
Average total loans | $15,163,750 | 6,961 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5089% | 5,323 |
Cost of funding earning assets | 0.6728% | 6,110 |
Net interest margin | 3.8361% | 3,613 |
Noninterest income to average assets | 0.3695% | 4,921 |
Noninterest expense to average assets | 2.3425% | 6,022 |
Loan and lease loss provision to assets | 0.0472% | 5,720 |
Net operating income to assets | 0.6603% | 3,741 |
Return on assets (ROA) | 0.6603% | 3,864 |
Pretax return on assets | 0.9826% | 3,298 |
Return on Equity (ROE) | 5.0219% | 4,440 |
Retained earnings to average equity (ytd only) | 3.3480% | 4,129 |
Net charge-offs to loans | 0.0000% | 5,875 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 69.4639% | 4,217 |
Assets per employee ($millions) | 3.1899% | 5,660 |
Cash dividends to net income (ytd only)* | 33.3333% | 2,338 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0274% | 6,227 |
Loan loss allowance to noncurrent loans | 79.0816% | 3,569 |
Noncurrent assets plus other real estate owned to assets | 0.7681% | 5,366 |
Noncurrent loans to loans | 1.2991% | 4,476 |
Net loans and leases to total assets | 58.5133% | 4,540 |
Net loans and leases to deposits | 67.6176% | 4,767 |
Net loans and leases to core deposits | 67.6176% | 5,327 |
Total domestic deposits to total assets | 86.5355% | 3,021 |
Equity capital to assets | 13.2254% | 1,422 |
Core capital (leverage) ratio | 10.3218% | 2,909 |
Tier 1 risk-based capital ratio | 19.2239% | 1,780 |
Total risk-based capital ratio | 20.3695% | 1,770 |
Memoranda: | ||
Average total assets | $25,443,000 | 7,230 |
Average earning assets | $19,916,000 | 7,288 |
Average equity | $3,345,330 | 7,028 |
Average total loans | $15,219,000 | 7,026 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5231% | 5,259 |
Cost of funding earning assets | 0.7067% | 6,096 |
Net interest margin | 3.8164% | 3,529 |
Noninterest income to average assets | 0.3464% | 5,138 |
Noninterest expense to average assets | 2.3932% | 5,901 |
Loan and lease loss provision to assets | 0.0472% | 5,410 |
Net operating income to assets | 0.5983% | 4,035 |
Return on assets (ROA) | 0.5983% | 4,102 |
Pretax return on assets | 0.8817% | 3,572 |
Return on Equity (ROE) | 4.5639% | 4,617 |
Retained earnings to average equity (ytd only) | 2.7623% | 4,509 |
Net charge-offs to loans | 0.0000% | 5,107 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 72.0379% | 3,857 |
Assets per employee ($millions) | 3.2090% | 5,689 |
Cash dividends to net income (ytd only)* | 39.4737% | 1,760 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0192% | 6,313 |
Loan loss allowance to noncurrent loans | 262.0690% | 1,154 |
Noncurrent assets plus other real estate owned to assets | 0.2259% | 6,608 |
Noncurrent loans to loans | 0.3889% | 6,217 |
Net loans and leases to total assets | 57.4984% | 4,723 |
Net loans and leases to deposits | 66.3654% | 4,918 |
Net loans and leases to core deposits | 66.3654% | 5,471 |
Total domestic deposits to total assets | 86.6391% | 3,158 |
Equity capital to assets | 13.0181% | 1,373 |
Core capital (leverage) ratio | 10.3871% | 2,717 |
Tier 1 risk-based capital ratio | 19.1086% | 1,774 |
Total risk-based capital ratio | 20.2396% | 1,766 |
Memoranda: | ||
Average total assets | $25,405,000 | 7,280 |
Average earning assets | $19,809,500 | 7,346 |
Average equity | $3,330,500 | 7,068 |
Average total loans | $15,285,000 | 7,075 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8647% | 5,172 |
Cost of funding earning assets | 0.9229% | 6,061 |
Net interest margin | 3.9418% | 3,296 |
Noninterest income to average assets | 0.4194% | 4,748 |
Noninterest expense to average assets | 2.4711% | 5,889 |
Loan and lease loss provision to assets | 0.0863% | 6,288 |
Net operating income to assets | 0.7853% | 2,870 |
Return on assets (ROA) | 0.7853% | 2,991 |
Pretax return on assets | 1.1636% | 2,352 |
Return on Equity (ROE) | 5.8668% | 3,667 |
Retained earnings to average equity (ytd only) | 4.3310% | 2,807 |
Net charge-offs to loans | 0.0000% | 6,850 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 66.4088% | 4,892 |
Assets per employee ($millions) | 3.1423% | 5,784 |
Cash dividends to net income (ytd only)* | 26.1780% | 3,209 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9517% | 6,572 |
Loan loss allowance to noncurrent loans | 130.7018% | 2,250 |
Noncurrent assets plus other real estate owned to assets | 0.4535% | 6,150 |
Noncurrent loans to loans | 0.7281% | 5,592 |
Net loans and leases to total assets | 61.6915% | 4,349 |
Net loans and leases to deposits | 71.2095% | 4,646 |
Net loans and leases to core deposits | 71.2095% | 5,305 |
Total domestic deposits to total assets | 86.6338% | 3,014 |
Equity capital to assets | 13.2031% | 1,299 |
Core capital (leverage) ratio | 10.3333% | 2,737 |
Tier 1 risk-based capital ratio | 18.5374% | 1,832 |
Total risk-based capital ratio | 19.6227% | 1,846 |
Memoranda: | ||
Average total assets | $24,321,200 | 7,365 |
Average earning assets | $20,371,200 | 7,396 |
Average equity | $3,255,600 | 7,205 |
Average total loans | $15,449,400 | 7,144 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8558% | 5,449 |
Cost of funding earning assets | 0.9451% | 6,201 |
Net interest margin | 3.9107% | 3,486 |
Noninterest income to average assets | 0.3981% | 4,974 |
Noninterest expense to average assets | 2.4712% | 5,817 |
Loan and lease loss provision to assets | 0.0829% | 6,211 |
Net operating income to assets | 0.7795% | 3,090 |
Return on assets (ROA) | 0.7795% | 3,253 |
Pretax return on assets | 1.1610% | 2,633 |
Return on Equity (ROE) | 5.8029% | 3,901 |
Retained earnings to average equity (ytd only) | 4.5683% | 3,293 |
Net charge-offs to loans | 0.0000% | 6,671 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 66.5179% | 4,750 |
Assets per employee ($millions) | 3.0684% | 5,991 |
Cash dividends to net income (ytd only)* | 21.2766% | 2,916 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9060% | 6,726 |
Loan loss allowance to noncurrent loans | 269.8113% | 1,089 |
Noncurrent assets plus other real estate owned to assets | 0.2159% | 6,826 |
Noncurrent loans to loans | 0.3358% | 6,520 |
Net loans and leases to total assets | 63.7186% | 4,177 |
Net loans and leases to deposits | 73.8305% | 4,546 |
Net loans and leases to core deposits | 73.8305% | 5,313 |
Total domestic deposits to total assets | 86.3038% | 2,917 |
Equity capital to assets | 13.3988% | 1,393 |
Core capital (leverage) ratio | 10.2981% | 2,922 |
Tier 1 risk-based capital ratio | 18.4168% | 1,893 |
Total risk-based capital ratio | 19.4640% | 1,920 |
Memoranda: | ||
Average total assets | $24,117,000 | 7,469 |
Average earning assets | $20,456,000 | 7,486 |
Average equity | $3,239,750 | 7,301 |
Average total loans | $15,397,500 | 7,240 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8266% | 5,696 |
Cost of funding earning assets | 0.9731% | 6,270 |
Net interest margin | 3.8535% | 3,665 |
Noninterest income to average assets | 0.4004% | 4,913 |
Noninterest expense to average assets | 2.5027% | 5,712 |
Loan and lease loss provision to assets | 0.0751% | 6,194 |
Net operating income to assets | 0.7592% | 3,152 |
Return on assets (ROA) | 0.7592% | 3,308 |
Pretax return on assets | 1.1262% | 2,688 |
Return on Equity (ROE) | 5.6463% | 3,968 |
Retained earnings to average equity (ytd only) | 5.6463% | 2,529 |
Net charge-offs to loans | 0.0000% | 6,371 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 67.5676% | 4,661 |
Assets per employee ($millions) | 3.0295% | 6,079 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8926% | 6,783 |
Loan loss allowance to noncurrent loans | 415.1515% | 746 |
Noncurrent assets plus other real estate owned to assets | 0.1362% | 7,050 |
Noncurrent loans to loans | 0.2150% | 6,817 |
Net loans and leases to total assets | 62.7620% | 4,528 |
Net loans and leases to deposits | 72.8078% | 4,876 |
Net loans and leases to core deposits | 72.8078% | 5,586 |
Total domestic deposits to total assets | 86.2023% | 2,970 |
Equity capital to assets | 13.4882% | 1,351 |
Core capital (leverage) ratio | 10.6184% | 2,528 |
Tier 1 risk-based capital ratio | 18.6989% | 1,790 |
Total risk-based capital ratio | 19.7257% | 1,808 |
Memoranda: | ||
Average total assets | $23,973,670 | 7,534 |
Average earning assets | $20,552,670 | 7,542 |
Average equity | $3,223,330 | 7,348 |
Average total loans | $15,268,670 | 7,301 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9082% | 5,428 |
Cost of funding earning assets | 1.0250% | 6,250 |
Net interest margin | 3.8832% | 3,400 |
Noninterest income to average assets | 0.3859% | 5,034 |
Noninterest expense to average assets | 2.5165% | 5,672 |
Loan and lease loss provision to assets | 0.0503% | 6,157 |
Net operating income to assets | 0.7550% | 3,188 |
Return on assets (ROA) | 0.7550% | 3,297 |
Pretax return on assets | 1.1240% | 2,658 |
Return on Equity (ROE) | 5.6241% | 4,052 |
Retained earnings to average equity (ytd only) | 5.6241% | 2,805 |
Net charge-offs to loans | 0.0000% | 5,609 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 68.1818% | 4,690 |
Assets per employee ($millions) | 2.9968% | 6,221 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8657% | 6,939 |
Loan loss allowance to noncurrent loans | 1,310.0000% | 268 |
Noncurrent assets plus other real estate owned to assets | 0.0417% | 7,386 |
Noncurrent loans to loans | 0.0661% | 7,235 |
Net loans and leases to total assets | 62.5761% | 4,639 |
Net loans and leases to deposits | 72.7123% | 4,959 |
Net loans and leases to core deposits | 72.7123% | 5,641 |
Total domestic deposits to total assets | 86.0599% | 3,125 |
Equity capital to assets | 13.4437% | 1,348 |
Core capital (leverage) ratio | 10.6580% | 2,487 |
Tier 1 risk-based capital ratio | 18.4677% | 1,841 |
Total risk-based capital ratio | 19.4555% | 1,871 |
Memoranda: | ||
Average total assets | $23,842,500 | 7,629 |
Average earning assets | $20,292,500 | 7,640 |
Average equity | $3,200,500 | 7,436 |
Average total loans | $15,229,000 | 7,393 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2561% | 5,383 |
Cost of funding earning assets | 1.2784% | 6,383 |
Net interest margin | 3.9777% | 2,953 |
Noninterest income to average assets | 0.4455% | 4,840 |
Noninterest expense to average assets | 2.5005% | 6,129 |
Loan and lease loss provision to assets | 0.0252% | 7,260 |
Net operating income to assets | 0.8951% | 2,191 |
Return on assets (ROA) | 0.8951% | 2,261 |
Pretax return on assets | 1.3196% | 1,641 |
Return on Equity (ROE) | 6.9318% | 2,815 |
Retained earnings to average equity (ytd only) | 6.1182% | 1,312 |
Net charge-offs to loans | 0.0135% | 7,030 |
Credit loss provision to net charge-offs | 300.0000% | 1,104 |
Earnings coverage of net charge-offs (x) | 160.0000% | 183 |
Efficiency ratio | 65.0273% | 5,577 |
Assets per employee ($millions) | 2.9639% | 6,312 |
Cash dividends to net income (ytd only)* | 11.7371% | 3,844 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8352% | 7,028 |
Loan loss allowance to noncurrent loans | 128.0000% | 2,219 |
Noncurrent assets plus other real estate owned to assets | 0.4217% | 6,412 |
Noncurrent loans to loans | 0.6525% | 5,929 |
Net loans and leases to total assets | 64.0926% | 4,583 |
Net loans and leases to deposits | 74.3166% | 4,989 |
Net loans and leases to core deposits | 78.6350% | 6,207 |
Total domestic deposits to total assets | 86.2427% | 2,893 |
Equity capital to assets | 13.4031% | 1,362 |
Core capital (leverage) ratio | 10.4146% | 2,675 |
Tier 1 risk-based capital ratio | 18.3820% | 1,780 |
Total risk-based capital ratio | 19.3608% | 1,820 |
Memoranda: | ||
Average total assets | $23,795,400 | 7,676 |
Average earning assets | $20,338,200 | 7,702 |
Average equity | $3,072,800 | 7,569 |
Average total loans | $14,829,800 | 7,465 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2923% | 5,467 |
Cost of funding earning assets | 1.3394% | 6,434 |
Net interest margin | 3.9530% | 3,021 |
Noninterest income to average assets | 0.4310% | 5,032 |
Noninterest expense to average assets | 2.5080% | 6,044 |
Loan and lease loss provision to assets | 0.0280% | 7,069 |
Net operating income to assets | 0.8621% | 2,567 |
Return on assets (ROA) | 0.8621% | 2,630 |
Pretax return on assets | 1.2820% | 2,002 |
Return on Equity (ROE) | 6.7399% | 3,191 |
Retained earnings to average equity (ytd only) | 5.6458% | 2,131 |
Net charge-offs to loans | 0.0090% | 6,826 |
Credit loss provision to net charge-offs | 500.0000% | 781 |
Earnings coverage of net charge-offs (x) | 234.5789% | 166 |
Efficiency ratio | 65.6891% | 5,422 |
Assets per employee ($millions) | 3.3341% | 5,294 |
Cash dividends to net income (ytd only)* | 16.2324% | 3,352 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8376% | 7,001 |
Loan loss allowance to noncurrent loans | 4,266.6667% | 97 |
Noncurrent assets plus other real estate owned to assets | 0.0129% | 7,562 |
Noncurrent loans to loans | 0.0196% | 7,479 |
Net loans and leases to total assets | 64.9299% | 4,667 |
Net loans and leases to deposits | 75.2582% | 5,170 |
Net loans and leases to core deposits | 80.3585% | 6,321 |
Total domestic deposits to total assets | 86.2762% | 2,555 |
Equity capital to assets | 13.3682% | 1,545 |
Core capital (leverage) ratio | 10.1405% | 3,130 |
Tier 1 risk-based capital ratio | 18.0170% | 1,983 |
Total risk-based capital ratio | 19.0001% | 2,007 |
Memoranda: | ||
Average total assets | $23,816,500 | 7,744 |
Average earning assets | $20,406,250 | 7,771 |
Average equity | $3,046,500 | 7,649 |
Average total loans | $14,706,000 | 7,537 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2405% | 5,915 |
Cost of funding earning assets | 1.4046% | 6,465 |
Net interest margin | 3.8359% | 3,387 |
Noninterest income to average assets | 0.4171% | 5,146 |
Noninterest expense to average assets | 2.4775% | 6,191 |
Loan and lease loss provision to assets | 0.0250% | 6,987 |
Net operating income to assets | 0.8175% | 2,787 |
Return on assets (ROA) | 0.8175% | 2,883 |
Pretax return on assets | 1.2179% | 2,248 |
Return on Equity (ROE) | 6.4858% | 3,445 |
Retained earnings to average equity (ytd only) | 4.8312% | 2,607 |
Net charge-offs to loans | 0.0138% | 6,357 |
Credit loss provision to net charge-offs | 300.0000% | 1,545 |
Earnings coverage of net charge-offs (x) | 149.0000% | 270 |
Efficiency ratio | 66.5919% | 5,441 |
Assets per employee ($millions) | 3.4984% | 4,820 |
Cash dividends to net income (ytd only)* | 25.5102% | 2,991 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8415% | 7,012 |
Loan loss allowance to noncurrent loans | 68.8525% | 3,985 |
Noncurrent assets plus other real estate owned to assets | 0.7473% | 5,537 |
Noncurrent loans to loans | 1.2222% | 4,763 |
Net loans and leases to total assets | 60.6272% | 5,580 |
Net loans and leases to deposits | 69.6356% | 6,024 |
Net loans and leases to core deposits | 76.0371% | 6,670 |
Total domestic deposits to total assets | 87.0636% | 2,220 |
Equity capital to assets | 12.5077% | 1,918 |
Core capital (leverage) ratio | 9.8766% | 3,421 |
Tier 1 risk-based capital ratio | 17.4254% | 2,170 |
Total risk-based capital ratio | 18.3846% | 2,202 |
Memoranda: | ||
Average total assets | $23,975,670 | 7,817 |
Average earning assets | $20,647,000 | 7,839 |
Average equity | $3,022,000 | 7,722 |
Average total loans | $14,514,000 | 7,618 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2673% | 6,036 |
Cost of funding earning assets | 1.4278% | 6,641 |
Net interest margin | 3.8396% | 3,299 |
Noninterest income to average assets | 0.4216% | 5,030 |
Noninterest expense to average assets | 2.5465% | 5,661 |
Loan and lease loss provision to assets | 0.0169% | 6,655 |
Net operating income to assets | 0.8095% | 3,093 |
Return on assets (ROA) | 0.8095% | 3,252 |
Pretax return on assets | 1.2142% | 2,574 |
Return on Equity (ROE) | 6.3968% | 3,864 |
Retained earnings to average equity (ytd only) | 3.0651% | 4,171 |
Net charge-offs to loans | 0.0000% | 5,728 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 67.4107% | 5,062 |
Assets per employee ($millions) | 3.4280% | 5,002 |
Cash dividends to net income (ytd only)* | 52.0833% | 1,696 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8579% | 6,923 |
Loan loss allowance to noncurrent loans | 69.4444% | 4,120 |
Noncurrent assets plus other real estate owned to assets | 0.7501% | 5,285 |
Noncurrent loans to loans | 1.2354% | 4,501 |
Net loans and leases to total assets | 60.1975% | 5,623 |
Net loans and leases to deposits | 69.2076% | 6,058 |
Net loans and leases to core deposits | 76.4003% | 6,649 |
Total domestic deposits to total assets | 86.9812% | 2,228 |
Equity capital to assets | 12.5563% | 1,944 |
Core capital (leverage) ratio | 9.9524% | 3,452 |
Tier 1 risk-based capital ratio | 17.1966% | 2,275 |
Total risk-based capital ratio | 18.1567% | 2,297 |
Memoranda: | ||
Average total assets | $23,719,000 | 7,877 |
Average earning assets | $20,731,500 | 7,884 |
Average equity | $3,001,500 | 7,786 |
Average total loans | $14,284,500 | 7,670 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.7376% | 6,654 |
Cost of funding earning assets | 1.8764% | 6,804 |
Net interest margin | 3.8612% | 3,737 |
Noninterest income to average assets | 0.4015% | 5,456 |
Noninterest expense to average assets | 2.6120% | 5,604 |
Loan and lease loss provision to assets | 0.0259% | 7,076 |
Net operating income to assets | 0.7858% | 3,500 |
Return on assets (ROA) | 0.7858% | 3,344 |
Pretax return on assets | 1.1484% | 2,840 |
Return on Equity (ROE) | 6.2125% | 3,856 |
Retained earnings to average equity (ytd only) | 3.0380% | 3,276 |
Net charge-offs to loans | 0.0071% | 6,856 |
Credit loss provision to net charge-offs | 600.0000% | 715 |
Earnings coverage of net charge-offs (x) | 272.0000% | 183 |
Efficiency ratio | 68.9852% | 4,540 |
Assets per employee ($millions) | 3.3489% | 5,094 |
Cash dividends to net income (ytd only)* | 51.0989% | 3,072 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8858% | 6,752 |
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 | 0.0000% | 7,569 |
Net loans and leases to total assets | 59.1886% | 6,027 |
Net loans and leases to deposits | 68.1316% | 6,456 |
Net loans and leases to core deposits | 73.3855% | 7,001 |
Total domestic deposits to total assets | 86.8740% | 1,995 |
Equity capital to assets | 12.7549% | 1,889 |
Core capital (leverage) ratio | 9.7441% | 3,723 |
Tier 1 risk-based capital ratio | 17.7678% | 2,099 |
Total risk-based capital ratio | 18.7620% | 2,111 |
Memoranda: | ||
Average total assets | $23,162,400 | 7,905 |
Average earning assets | $20,304,800 | 7,921 |
Average equity | $2,929,600 | 7,859 |
Average total loans | $14,018,200 | 7,703 |