Home > Standard Bank and Trust Company > Performance and Condition Ratios
Standard Bank and Trust Company, Performance and Condition Ratios
2016-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8192% | 3,840 |
Cost of funding earning assets | 0.1977% | 5,032 |
Net interest margin | 3.6215% | 2,993 |
Noninterest income to average assets | 1.0134% | 1,107 |
Noninterest expense to average assets | 3.0138% | 2,312 |
Loan and lease loss provision to assets | 0.4051% | 381 |
Net operating income to assets | 0.6101% | 4,166 |
Return on assets (ROA) | 0.6101% | 4,284 |
Pretax return on assets | 0.8997% | 3,855 |
Return on Equity (ROE) | 5.8633% | 4,047 |
Retained earnings to average equity (ytd only) | -1.3278% | 5,480 |
Net charge-offs to loans | 0.5934% | 389 |
Credit loss provision to net charge-offs | 89.8012% | 2,798 |
Earnings coverage of net charge-offs (x) | 2.8922% | 3,749 |
Efficiency ratio | 69.5136% | 2,993 |
Assets per employee ($millions) | 5.5137% | 1,856 |
Cash dividends to net income (ytd only)* | 122.6453% | 225 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1675% | 3,319 |
Loan loss allowance to noncurrent loans | 70.9734% | 4,203 |
Noncurrent assets plus other real estate owned to assets | 1.8043% | 815 |
Noncurrent loans to loans | 1.6450% | 1,183 |
Net loans and leases to total assets | 78.6816% | 1,095 |
Net loans and leases to deposits | 88.9408% | 1,811 |
Net loans and leases to core deposits | 93.9161% | 2,117 |
Total domestic deposits to total assets | 88.4651% | 1,394 |
Equity capital to assets | 10.5681% | 3,078 |
Core capital (leverage) ratio | 10.1602% | 3,285 |
Tier 1 risk-based capital ratio | 11.5143% | 5,051 |
Total risk-based capital ratio | 12.5443% | 5,070 |
Memoranda: | ||
Average total assets | $2,418,885,400 | 346 |
Average earning assets | $2,207,610,600 | 346 |
Average equity | $251,702,400 | 360 |
Average total loans | $1,838,958,600 | 325 |
2016-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7850% | 3,966 |
Cost of funding earning assets | 0.1997% | 5,071 |
Net interest margin | 3.5853% | 3,133 |
Noninterest income to average assets | 1.0098% | 1,130 |
Noninterest expense to average assets | 2.7489% | 3,182 |
Loan and lease loss provision to assets | 0.2757% | 634 |
Net operating income to assets | 0.8269% | 3,250 |
Return on assets (ROA) | 0.8269% | 3,377 |
Pretax return on assets | 1.2593% | 2,578 |
Return on Equity (ROE) | 7.9760% | 3,019 |
Retained earnings to average equity (ytd only) | 2.9199% | 4,153 |
Net charge-offs to loans | 0.6016% | 345 |
Credit loss provision to net charge-offs | 60.9756% | 2,897 |
Earnings coverage of net charge-offs (x) | 3.3946% | 3,423 |
Efficiency ratio | 63.8899% | 3,950 |
Assets per employee ($millions) | 5.2773% | 2,068 |
Cash dividends to net income (ytd only)* | 63.3914% | 1,289 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0650% | 4,049 |
Loan loss allowance to noncurrent loans | 73.6318% | 4,185 |
Noncurrent assets plus other real estate owned to assets | 1.6641% | 1,032 |
Noncurrent loans to loans | 1.4464% | 1,498 |
Net loans and leases to total assets | 74.9791% | 1,707 |
Net loans and leases to deposits | 84.8642% | 2,386 |
Net loans and leases to core deposits | 91.2511% | 2,457 |
Total domestic deposits to total assets | 88.3518% | 1,212 |
Equity capital to assets | 10.5961% | 3,460 |
Core capital (leverage) ratio | 10.4193% | 3,085 |
Tier 1 risk-based capital ratio | 12.0690% | 4,745 |
Total risk-based capital ratio | 12.9985% | 4,850 |
Memoranda: | ||
Average total assets | $2,441,908,000 | 346 |
Average earning assets | $2,229,987,250 | 343 |
Average equity | $253,153,750 | 357 |
Average total loans | $1,835,601,750 | 324 |
2016-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7874% | 3,999 |
Cost of funding earning assets | 0.2009% | 5,131 |
Net interest margin | 3.5865% | 3,152 |
Noninterest income to average assets | 0.9339% | 1,276 |
Noninterest expense to average assets | 2.7380% | 3,240 |
Loan and lease loss provision to assets | 0.3183% | 544 |
Net operating income to assets | 0.7619% | 3,497 |
Return on assets (ROA) | 0.7619% | 3,638 |
Pretax return on assets | 1.1543% | 2,970 |
Return on Equity (ROE) | 7.4030% | 3,314 |
Retained earnings to average equity (ytd only) | 2.9615% | 4,032 |
Net charge-offs to loans | 0.8644% | 227 |
Credit loss provision to net charge-offs | 49.1246% | 2,680 |
Earnings coverage of net charge-offs (x) | 2.2725% | 3,297 |
Efficiency ratio | 64.7378% | 3,891 |
Assets per employee ($millions) | 5.1830% | 2,100 |
Cash dividends to net income (ytd only)* | 59.9957% | 1,527 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0302% | 4,347 |
Loan loss allowance to noncurrent loans | 74.2870% | 4,265 |
Noncurrent assets plus other real estate owned to assets | 1.6685% | 1,084 |
Noncurrent loans to loans | 1.3867% | 1,613 |
Net loans and leases to total assets | 73.2860% | 1,964 |
Net loans and leases to deposits | 82.6658% | 2,628 |
Net loans and leases to core deposits | 89.6243% | 2,574 |
Total domestic deposits to total assets | 88.6533% | 1,084 |
Equity capital to assets | 10.3775% | 3,760 |
Core capital (leverage) ratio | 10.2203% | 3,309 |
Tier 1 risk-based capital ratio | 12.0072% | 4,823 |
Total risk-based capital ratio | 12.9056% | 4,959 |
Memoranda: | ||
Average total assets | $2,450,212,330 | 343 |
Average earning assets | $2,238,621,000 | 341 |
Average equity | $252,169,000 | 359 |
Average total loans | $1,836,886,330 | 320 |
2016-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8250% | 3,859 |
Cost of funding earning assets | 0.2020% | 5,185 |
Net interest margin | 3.6230% | 2,991 |
Noninterest income to average assets | 0.8730% | 1,374 |
Noninterest expense to average assets | 2.7476% | 3,247 |
Loan and lease loss provision to assets | 0.1878% | 1,056 |
Net operating income to assets | 0.8295% | 3,098 |
Return on assets (ROA) | 0.8295% | 3,227 |
Pretax return on assets | 1.2500% | 2,499 |
Return on Equity (ROE) | 8.0941% | 2,858 |
Retained earnings to average equity (ytd only) | 3.6328% | 3,677 |
Net charge-offs to loans | 0.9809% | 195 |
Credit loss provision to net charge-offs | 25.3807% | 2,257 |
Earnings coverage of net charge-offs (x) | 1.9433% | 2,749 |
Efficiency ratio | 65.3506% | 3,909 |
Assets per employee ($millions) | 5.1137% | 2,226 |
Cash dividends to net income (ytd only)* | 55.1181% | 1,586 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0605% | 4,283 |
Loan loss allowance to noncurrent loans | 72.3674% | 4,262 |
Noncurrent assets plus other real estate owned to assets | 1.7498% | 1,079 |
Noncurrent loans to loans | 1.4654% | 1,609 |
Net loans and leases to total assets | 73.5835% | 1,802 |
Net loans and leases to deposits | 83.4923% | 2,367 |
Net loans and leases to core deposits | 90.3923% | 2,334 |
Total domestic deposits to total assets | 88.1321% | 1,571 |
Equity capital to assets | 10.2877% | 3,760 |
Core capital (leverage) ratio | 10.1560% | 3,362 |
Tier 1 risk-based capital ratio | 11.8996% | 4,977 |
Total risk-based capital ratio | 12.8225% | 5,094 |
Memoranda: | ||
Average total assets | $2,449,538,500 | 344 |
Average earning assets | $2,239,607,500 | 340 |
Average equity | $251,048,000 | 358 |
Average total loans | $1,847,653,500 | 317 |
2015-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8001% | 4,040 |
Cost of funding earning assets | 0.1939% | 5,331 |
Net interest margin | 3.6061% | 3,106 |
Noninterest income to average assets | 1.0707% | 1,026 |
Noninterest expense to average assets | 2.7623% | 3,377 |
Loan and lease loss provision to assets | 0.1903% | 1,166 |
Net operating income to assets | 0.8909% | 2,923 |
Return on assets (ROA) | 0.8909% | 3,002 |
Pretax return on assets | 1.3904% | 1,939 |
Return on Equity (ROE) | 8.2578% | 2,818 |
Retained earnings to average equity (ytd only) | -5.5486% | 5,942 |
Net charge-offs to loans | 0.4488% | 613 |
Credit loss provision to net charge-offs | 56.2347% | 3,309 |
Earnings coverage of net charge-offs (x) | 4.6705% | 3,508 |
Efficiency ratio | 63.0610% | 4,431 |
Assets per employee ($millions) | 4.8695% | 2,503 |
Cash dividends to net income (ytd only)* | 167.1930% | 134 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2162% | 3,377 |
Loan loss allowance to noncurrent loans | 70.5444% | 4,374 |
Noncurrent assets plus other real estate owned to assets | 2.0081% | 874 |
Noncurrent loans to loans | 1.7240% | 1,307 |
Net loans and leases to total assets | 75.5592% | 1,486 |
Net loans and leases to deposits | 85.4339% | 2,192 |
Net loans and leases to core deposits | 92.6178% | 2,163 |
Total domestic deposits to total assets | 88.4417% | 1,409 |
Equity capital to assets | 10.2097% | 3,735 |
Core capital (leverage) ratio | 10.1214% | 3,366 |
Tier 1 risk-based capital ratio | 11.5377% | 5,224 |
Total risk-based capital ratio | 12.5990% | 5,242 |
Memoranda: | ||
Average total assets | $2,416,860,600 | 332 |
Average earning assets | $2,193,126,200 | 328 |
Average equity | $260,748,800 | 332 |
Average total loans | $1,822,621,600 | 304 |
2015-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7890% | 4,122 |
Cost of funding earning assets | 0.1909% | 5,452 |
Net interest margin | 3.5982% | 3,167 |
Noninterest income to average assets | 1.0803% | 1,033 |
Noninterest expense to average assets | 2.7509% | 3,382 |
Loan and lease loss provision to assets | 0.2213% | 849 |
Net operating income to assets | 0.8613% | 3,122 |
Return on assets (ROA) | 0.8613% | 3,211 |
Pretax return on assets | 1.3683% | 2,140 |
Return on Equity (ROE) | 7.8761% | 3,149 |
Retained earnings to average equity (ytd only) | -9.8310% | 6,123 |
Net charge-offs to loans | 0.5439% | 425 |
Credit loss provision to net charge-offs | 54.1492% | 2,987 |
Earnings coverage of net charge-offs (x) | 3.8895% | 3,439 |
Efficiency ratio | 62.7833% | 4,444 |
Assets per employee ($millions) | 4.7049% | 2,695 |
Cash dividends to net income (ytd only)* | 224.8202% | 65 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2306% | 3,478 |
Loan loss allowance to noncurrent loans | 79.4794% | 4,176 |
Noncurrent assets plus other real estate owned to assets | 2.0759% | 961 |
Noncurrent loans to loans | 1.5484% | 1,614 |
Net loans and leases to total assets | 76.4060% | 1,331 |
Net loans and leases to deposits | 86.4670% | 2,092 |
Net loans and leases to core deposits | 93.8630% | 2,088 |
Total domestic deposits to total assets | 88.3644% | 1,366 |
Equity capital to assets | 10.1890% | 3,949 |
Core capital (leverage) ratio | 9.8834% | 3,790 |
Tier 1 risk-based capital ratio | 11.1980% | 5,550 |
Total risk-based capital ratio | 12.2646% | 5,553 |
Memoranda: | ||
Average total assets | $2,409,949,750 | 337 |
Average earning assets | $2,183,541,750 | 335 |
Average equity | $263,541,750 | 339 |
Average total loans | $1,810,830,250 | 307 |
2015-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7354% | 4,295 |
Cost of funding earning assets | 0.1878% | 5,547 |
Net interest margin | 3.5475% | 3,301 |
Noninterest income to average assets | 1.1086% | 987 |
Noninterest expense to average assets | 2.7394% | 3,449 |
Loan and lease loss provision to assets | 0.2821% | 574 |
Net operating income to assets | 0.8202% | 3,280 |
Return on assets (ROA) | 0.8202% | 3,383 |
Pretax return on assets | 1.2998% | 2,363 |
Return on Equity (ROE) | 7.3338% | 3,417 |
Retained earnings to average equity (ytd only) | 7.3338% | 1,553 |
Net charge-offs to loans | 0.5018% | 495 |
Credit loss provision to net charge-offs | 75.5723% | 2,389 |
Earnings coverage of net charge-offs (x) | 4.2374% | 3,074 |
Efficiency ratio | 62.7885% | 4,549 |
Assets per employee ($millions) | 4.6355% | 2,770 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3858% | 2,826 |
Loan loss allowance to noncurrent loans | 84.1598% | 4,095 |
Noncurrent assets plus other real estate owned to assets | 2.0059% | 1,097 |
Noncurrent loans to loans | 1.6466% | 1,588 |
Net loans and leases to total assets | 73.6067% | 1,726 |
Net loans and leases to deposits | 84.1210% | 2,299 |
Net loans and leases to core deposits | 92.1242% | 2,146 |
Total domestic deposits to total assets | 87.5010% | 1,902 |
Equity capital to assets | 11.2457% | 2,623 |
Core capital (leverage) ratio | 10.8853% | 2,528 |
Tier 1 risk-based capital ratio | 12.7732% | 4,640 |
Total risk-based capital ratio | 13.9641% | 4,598 |
Memoranda: | ||
Average total assets | $2,410,292,000 | 334 |
Average earning assets | $2,182,805,000 | 333 |
Average equity | $269,573,670 | 334 |
Average total loans | $1,793,275,330 | 306 |
2015-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6906% | 4,400 |
Cost of funding earning assets | 0.1823% | 5,669 |
Net interest margin | 3.5083% | 3,401 |
Noninterest income to average assets | 1.2082% | 779 |
Noninterest expense to average assets | 2.7686% | 3,350 |
Loan and lease loss provision to assets | 0.1002% | 2,022 |
Net operating income to assets | 0.9520% | 2,497 |
Return on assets (ROA) | 0.9520% | 2,632 |
Pretax return on assets | 1.5225% | 1,492 |
Return on Equity (ROE) | 8.5355% | 2,682 |
Retained earnings to average equity (ytd only) | 8.5355% | 1,364 |
Net charge-offs to loans | 0.7151% | 329 |
Credit loss provision to net charge-offs | 18.8561% | 2,369 |
Earnings coverage of net charge-offs (x) | 3.0550% | 2,662 |
Efficiency ratio | 62.4435% | 4,719 |
Assets per employee ($millions) | 4.9126% | 2,475 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3329% | 3,232 |
Loan loss allowance to noncurrent loans | 59.2902% | 4,740 |
Noncurrent assets plus other real estate owned to assets | 2.2447% | 1,013 |
Noncurrent loans to loans | 2.2481% | 1,111 |
Net loans and leases to total assets | 70.1367% | 2,123 |
Net loans and leases to deposits | 79.9023% | 2,571 |
Net loans and leases to core deposits | 87.7029% | 2,359 |
Total domestic deposits to total assets | 87.7781% | 1,943 |
Equity capital to assets | 10.7960% | 3,196 |
Core capital (leverage) ratio | 11.1641% | 2,253 |
Tier 1 risk-based capital ratio | 12.8589% | 4,685 |
Total risk-based capital ratio | 14.0064% | 4,670 |
Memoranda: | ||
Average total assets | $2,396,310,000 | 334 |
Average earning assets | $2,174,156,000 | 330 |
Average equity | $267,261,000 | 333 |
Average total loans | $1,779,942,500 | 308 |
2014-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9474% | 3,936 |
Cost of funding earning assets | 0.1981% | 5,762 |
Net interest margin | 3.7493% | 2,813 |
Noninterest income to average assets | 0.8872% | 1,548 |
Noninterest expense to average assets | 2.9196% | 3,083 |
Loan and lease loss provision to assets | 0.1320% | 1,981 |
Net operating income to assets | 0.7443% | 3,654 |
Return on assets (ROA) | 0.7617% | 3,663 |
Pretax return on assets | 1.2399% | 2,487 |
Return on Equity (ROE) | 6.6866% | 3,798 |
Retained earnings to average equity (ytd only) | 6.6866% | 1,553 |
Net charge-offs to loans | 1.0190% | 291 |
Credit loss provision to net charge-offs | 16.9137% | 4,013 |
Earnings coverage of net charge-offs (x) | 1.7224% | 4,347 |
Efficiency ratio | 67.7430% | 3,938 |
Assets per employee ($millions) | 4.2992% | 3,367 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4795% | 2,566 |
Loan loss allowance to noncurrent loans | 62.1414% | 4,742 |
Noncurrent assets plus other real estate owned to assets | 2.5616% | 890 |
Noncurrent loans to loans | 2.3809% | 1,083 |
Net loans and leases to total assets | 76.6268% | 1,179 |
Net loans and leases to deposits | 87.7297% | 1,768 |
Net loans and leases to core deposits | 98.2992% | 1,527 |
Total domestic deposits to total assets | 87.3442% | 2,102 |
Equity capital to assets | 11.5441% | 2,393 |
Core capital (leverage) ratio | 10.6871% | 2,733 |
Tier 1 risk-based capital ratio | 12.9328% | 4,766 |
Total risk-based capital ratio | 14.1888% | 4,683 |
Memoranda: | ||
Average total assets | $2,246,954,200 | 335 |
Average earning assets | $2,023,915,600 | 336 |
Average equity | $255,961,400 | 327 |
Average total loans | $1,721,557,400 | 299 |
2014-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9286% | 4,059 |
Cost of funding earning assets | 0.1997% | 5,832 |
Net interest margin | 3.7289% | 2,909 |
Noninterest income to average assets | 0.8863% | 1,564 |
Noninterest expense to average assets | 2.8886% | 3,165 |
Loan and lease loss provision to assets | 0.1158% | 2,119 |
Net operating income to assets | 0.7541% | 3,647 |
Return on assets (ROA) | 0.7547% | 3,741 |
Pretax return on assets | 1.2378% | 2,623 |
Return on Equity (ROE) | 6.6475% | 3,881 |
Retained earnings to average equity (ytd only) | 6.6475% | 2,015 |
Net charge-offs to loans | 0.1594% | 2,210 |
Credit loss provision to net charge-offs | 95.1494% | 2,341 |
Earnings coverage of net charge-offs (x) | 11.1186% | 2,467 |
Efficiency ratio | 67.3661% | 3,973 |
Assets per employee ($millions) | 4.2939% | 3,305 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.3362% | 795 |
Loan loss allowance to noncurrent loans | 86.4304% | 4,008 |
Noncurrent assets plus other real estate owned to assets | 2.8208% | 869 |
Noncurrent loans to loans | 2.7030% | 1,051 |
Net loans and leases to total assets | 74.7977% | 1,396 |
Net loans and leases to deposits | 85.4744% | 1,972 |
Net loans and leases to core deposits | 95.7052% | 1,697 |
Total domestic deposits to total assets | 87.5089% | 2,026 |
Equity capital to assets | 11.4184% | 2,559 |
Core capital (leverage) ratio | 10.4249% | 3,129 |
Tier 1 risk-based capital ratio | 12.7543% | 5,003 |
Total risk-based capital ratio | 14.0376% | 4,895 |
Memoranda: | ||
Average total assets | $2,236,893,500 | 332 |
Average earning assets | $2,012,575,000 | 333 |
Average equity | $253,942,500 | 323 |
Average total loans | $1,707,215,250 | 297 |
2014-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9118% | 4,097 |
Cost of funding earning assets | 0.2018% | 5,896 |
Net interest margin | 3.7100% | 2,919 |
Noninterest income to average assets | 0.8306% | 1,735 |
Noninterest expense to average assets | 2.8699% | 3,269 |
Loan and lease loss provision to assets | 0.1208% | 2,036 |
Net operating income to assets | 0.7146% | 3,763 |
Return on assets (ROA) | 0.7146% | 3,856 |
Pretax return on assets | 1.1700% | 2,800 |
Return on Equity (ROE) | 6.3072% | 3,989 |
Retained earnings to average equity (ytd only) | 6.3072% | 2,152 |
Net charge-offs to loans | 0.5052% | 804 |
Credit loss provision to net charge-offs | 31.3551% | 3,043 |
Earnings coverage of net charge-offs (x) | 3.3514% | 3,333 |
Efficiency ratio | 68.2044% | 3,966 |
Assets per employee ($millions) | 4.1133% | 3,621 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1874% | 1,047 |
Loan loss allowance to noncurrent loans | 86.0430% | 3,998 |
Noncurrent assets plus other real estate owned to assets | 2.6582% | 1,013 |
Noncurrent loans to loans | 2.5422% | 1,218 |
Net loans and leases to total assets | 75.1623% | 1,285 |
Net loans and leases to deposits | 85.7998% | 1,834 |
Net loans and leases to core deposits | 94.5646% | 1,732 |
Total domestic deposits to total assets | 87.6019% | 2,146 |
Equity capital to assets | 11.3327% | 2,573 |
Core capital (leverage) ratio | 10.3669% | 3,119 |
Tier 1 risk-based capital ratio | 12.5884% | 5,168 |
Total risk-based capital ratio | 13.8725% | 5,079 |
Memoranda: | ||
Average total assets | $2,222,509,670 | 328 |
Average earning assets | $1,994,956,330 | 333 |
Average equity | $251,808,330 | 321 |
Average total loans | $1,694,214,330 | 292 |
2014-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8986% | 4,090 |
Cost of funding earning assets | 0.2067% | 5,945 |
Net interest margin | 3.6919% | 2,894 |
Noninterest income to average assets | 0.8152% | 1,691 |
Noninterest expense to average assets | 2.8855% | 3,267 |
Loan and lease loss provision to assets | 0.1346% | 1,798 |
Net operating income to assets | 0.6767% | 3,807 |
Return on assets (ROA) | 0.6767% | 3,886 |
Pretax return on assets | 1.1066% | 2,876 |
Return on Equity (ROE) | 5.9738% | 4,042 |
Retained earnings to average equity (ytd only) | 5.9738% | 2,560 |
Net charge-offs to loans | -0.0621% | 5,912 |
Credit loss provision to net charge-offs | -285.3846% | 5,030 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 69.3207% | 3,944 |
Assets per employee ($millions) | 4.1658% | 3,601 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.4923% | 814 |
Loan loss allowance to noncurrent loans | 84.4851% | 4,034 |
Noncurrent assets plus other real estate owned to assets | 2.8417% | 1,032 |
Noncurrent loans to loans | 2.9500% | 1,092 |
Net loans and leases to total assets | 73.5492% | 1,339 |
Net loans and leases to deposits | 83.2956% | 1,909 |
Net loans and leases to core deposits | 91.0883% | 1,820 |
Total domestic deposits to total assets | 88.2990% | 2,059 |
Equity capital to assets | 11.2916% | 2,440 |
Core capital (leverage) ratio | 10.5005% | 2,931 |
Tier 1 risk-based capital ratio | 12.8798% | 5,076 |
Total risk-based capital ratio | 14.1672% | 4,989 |
Memoranda: | ||
Average total assets | $2,204,666,000 | 334 |
Average earning assets | $1,977,536,000 | 337 |
Average equity | $249,755,500 | 324 |
Average total loans | $1,673,686,500 | 296 |
2013-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0030% | 4,077 |
Cost of funding earning assets | 0.2811% | 5,757 |
Net interest margin | 3.7219% | 2,969 |
Noninterest income to average assets | 0.9557% | 1,507 |
Noninterest expense to average assets | 3.1522% | 2,582 |
Loan and lease loss provision to assets | 0.4043% | 734 |
Net operating income to assets | 0.4448% | 4,979 |
Return on assets (ROA) | 0.4448% | 5,101 |
Pretax return on assets | 0.7261% | 4,435 |
Return on Equity (ROE) | 4.1168% | 5,048 |
Retained earnings to average equity (ytd only) | 4.1168% | 3,245 |
Net charge-offs to loans | 1.6966% | 256 |
Credit loss provision to net charge-offs | 32.3369% | 4,200 |
Earnings coverage of net charge-offs (x) | 0.9041% | 4,784 |
Efficiency ratio | 72.9750% | 3,293 |
Assets per employee ($millions) | 4.0233% | 3,819 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.4542% | 870 |
Loan loss allowance to noncurrent loans | 86.4168% | 3,985 |
Noncurrent assets plus other real estate owned to assets | 2.7631% | 1,199 |
Noncurrent loans to loans | 2.8400% | 1,234 |
Net loans and leases to total assets | 74.5376% | 1,281 |
Net loans and leases to deposits | 84.5992% | 1,851 |
Net loans and leases to core deposits | 91.9884% | 1,796 |
Total domestic deposits to total assets | 88.1068% | 2,114 |
Equity capital to assets | 11.3662% | 2,268 |
Core capital (leverage) ratio | 10.2643% | 3,199 |
Tier 1 risk-based capital ratio | 12.4830% | 5,301 |
Total risk-based capital ratio | 13.7642% | 5,236 |
Memoranda: | ||
Average total assets | $2,164,654,200 | 330 |
Average earning assets | $1,934,888,400 | 332 |
Average equity | $233,869,400 | 335 |
Average total loans | $1,595,111,600 | 298 |
2013-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9870% | 4,179 |
Cost of funding earning assets | 0.2982% | 5,755 |
Net interest margin | 3.6888% | 3,070 |
Noninterest income to average assets | 0.9616% | 1,576 |
Noninterest expense to average assets | 3.0493% | 2,818 |
Loan and lease loss provision to assets | 0.5092% | 532 |
Net operating income to assets | 0.4387% | 5,074 |
Return on assets (ROA) | 0.4387% | 5,220 |
Pretax return on assets | 0.7018% | 4,682 |
Return on Equity (ROE) | 4.1150% | 5,167 |
Retained earnings to average equity (ytd only) | 4.1150% | 3,759 |
Net charge-offs to loans | 1.4286% | 338 |
Credit loss provision to net charge-offs | 48.8196% | 3,537 |
Earnings coverage of net charge-offs (x) | 1.1611% | 4,460 |
Efficiency ratio | 70.9324% | 3,616 |
Assets per employee ($millions) | 3.9816% | 3,874 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.1278% | 481 |
Loan loss allowance to noncurrent loans | 93.9860% | 3,633 |
Noncurrent assets plus other real estate owned to assets | 3.2062% | 1,117 |
Noncurrent loans to loans | 3.3279% | 1,171 |
Net loans and leases to total assets | 72.6900% | 1,504 |
Net loans and leases to deposits | 82.4892% | 2,076 |
Net loans and leases to core deposits | 90.0221% | 1,960 |
Total domestic deposits to total assets | 88.1206% | 2,045 |
Equity capital to assets | 11.3837% | 2,396 |
Core capital (leverage) ratio | 10.2436% | 3,336 |
Tier 1 risk-based capital ratio | 12.7948% | 5,259 |
Total risk-based capital ratio | 14.0772% | 5,177 |
Memoranda: | ||
Average total assets | $2,160,655,500 | 333 |
Average earning assets | $1,932,138,250 | 329 |
Average equity | $230,372,500 | 338 |
Average total loans | $1,577,315,000 | 303 |
2013-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9803% | 4,187 |
Cost of funding earning assets | 0.3187% | 5,675 |
Net interest margin | 3.6617% | 3,128 |
Noninterest income to average assets | 0.9883% | 1,564 |
Noninterest expense to average assets | 3.0632% | 2,784 |
Loan and lease loss provision to assets | 0.7167% | 315 |
Net operating income to assets | 0.3118% | 5,562 |
Return on assets (ROA) | 0.3118% | 5,707 |
Pretax return on assets | 0.4833% | 5,424 |
Return on Equity (ROE) | 2.9917% | 5,629 |
Retained earnings to average equity (ytd only) | 2.9917% | 4,417 |
Net charge-offs to loans | 1.1944% | 485 |
Credit loss provision to net charge-offs | 82.9694% | 2,568 |
Earnings coverage of net charge-offs (x) | 1.3891% | 4,078 |
Efficiency ratio | 71.1993% | 3,613 |
Assets per employee ($millions) | 3.7868% | 4,242 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.6718% | 326 |
Loan loss allowance to noncurrent loans | 96.3188% | 3,553 |
Noncurrent assets plus other real estate owned to assets | 3.5392% | 1,076 |
Noncurrent loans to loans | 3.8121% | 1,064 |
Net loans and leases to total assets | 69.9054% | 1,901 |
Net loans and leases to deposits | 79.3212% | 2,420 |
Net loans and leases to core deposits | 87.1926% | 2,210 |
Total domestic deposits to total assets | 88.1295% | 2,152 |
Equity capital to assets | 11.1705% | 2,585 |
Core capital (leverage) ratio | 9.9686% | 3,569 |
Tier 1 risk-based capital ratio | 12.8930% | 5,231 |
Total risk-based capital ratio | 14.1811% | 5,127 |
Memoranda: | ||
Average total assets | $2,162,850,670 | 332 |
Average earning assets | $1,934,366,330 | 331 |
Average equity | $225,425,670 | 339 |
Average total loans | $1,564,303,670 | 301 |
2013-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0521% | 3,912 |
Cost of funding earning assets | 0.3310% | 5,713 |
Net interest margin | 3.7211% | 2,771 |
Noninterest income to average assets | 0.9368% | 1,643 |
Noninterest expense to average assets | 3.0591% | 2,811 |
Loan and lease loss provision to assets | 1.3408% | 113 |
Net operating income to assets | -0.0509% | 6,402 |
Return on assets (ROA) | -0.0509% | 6,456 |
Pretax return on assets | -0.1416% | 6,515 |
Return on Equity (ROE) | -0.5060% | 6,461 |
Retained earnings to average equity (ytd only) | -0.5060% | 5,882 |
Net charge-offs to loans | 1.9937% | 237 |
Credit loss provision to net charge-offs | 93.1407% | 1,968 |
Earnings coverage of net charge-offs (x) | 0.8330% | 3,551 |
Efficiency ratio | 71.1742% | 3,762 |
Assets per employee ($millions) | 3.9736% | 4,011 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.7706% | 338 |
Loan loss allowance to noncurrent loans | 100.9741% | 3,329 |
Noncurrent assets plus other real estate owned to assets | 3.4328% | 1,248 |
Noncurrent loans to loans | 3.7342% | 1,250 |
Net loans and leases to total assets | 68.8905% | 1,860 |
Net loans and leases to deposits | 78.3502% | 2,292 |
Net loans and leases to core deposits | 86.9300% | 2,021 |
Total domestic deposits to total assets | 87.9264% | 2,365 |
Equity capital to assets | 10.9504% | 3,015 |
Core capital (leverage) ratio | 9.7565% | 3,723 |
Tier 1 risk-based capital ratio | 12.5841% | 5,528 |
Total risk-based capital ratio | 13.8688% | 5,453 |
Memoranda: | ||
Average total assets | $2,163,154,500 | 335 |
Average earning assets | $1,930,840,000 | 335 |
Average equity | $217,372,000 | 360 |
Average total loans | $1,561,886,000 | 303 |
2012-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3688% | 3,949 |
Cost of funding earning assets | 0.4766% | 5,376 |
Net interest margin | 3.8922% | 2,865 |
Noninterest income to average assets | 0.8996% | 1,852 |
Noninterest expense to average assets | 4.0783% | 890 |
Loan and lease loss provision to assets | 1.5459% | 199 |
Net operating income to assets | -1.0762% | 6,765 |
Return on assets (ROA) | -1.0762% | 6,781 |
Pretax return on assets | -1.2894% | 6,800 |
Return on Equity (ROE) | -10.8004% | 6,741 |
Retained earnings to average equity (ytd only) | -10.8004% | 6,662 |
Net charge-offs to loans | 0.7159% | 1,646 |
Credit loss provision to net charge-offs | 299.7307% | 820 |
Earnings coverage of net charge-offs (x) | 0.4973% | 5,239 |
Efficiency ratio | 74.3302% | 3,017 |
Assets per employee ($millions) | 3.9212% | 4,103 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.7765% | 334 |
Loan loss allowance to noncurrent loans | 111.5957% | 3,066 |
Noncurrent assets plus other real estate owned to assets | 3.2493% | 1,422 |
Noncurrent loans to loans | 3.3841% | 1,492 |
Net loans and leases to total assets | 70.0740% | 1,829 |
Net loans and leases to deposits | 78.5492% | 2,456 |
Net loans and leases to core deposits | 87.7407% | 2,118 |
Total domestic deposits to total assets | 89.2103% | 1,429 |
Equity capital to assets | 9.1386% | 5,351 |
Core capital (leverage) ratio | 7.5921% | 6,450 |
Tier 1 risk-based capital ratio | 9.6538% | 6,783 |
Total risk-based capital ratio | 10.9314% | 6,755 |
Memoranda: | ||
Average total assets | $2,159,452,800 | 332 |
Average earning assets | $1,905,881,000 | 337 |
Average equity | $215,186,600 | 351 |
Average total loans | $1,555,741,600 | 299 |
2012-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3847% | 4,114 |
Cost of funding earning assets | 0.5030% | 5,415 |
Net interest margin | 3.8817% | 2,978 |
Noninterest income to average assets | 0.8635% | 1,970 |
Noninterest expense to average assets | 2.9603% | 3,369 |
Loan and lease loss provision to assets | 0.9649% | 437 |
Net operating income to assets | 0.2428% | 5,801 |
Return on assets (ROA) | 0.2428% | 5,989 |
Pretax return on assets | 0.3576% | 5,818 |
Return on Equity (ROE) | 2.3870% | 5,920 |
Retained earnings to average equity (ytd only) | 2.3870% | 5,139 |
Net charge-offs to loans | 0.5544% | 1,943 |
Credit loss provision to net charge-offs | 242.2177% | 1,144 |
Earnings coverage of net charge-offs (x) | 3.3200% | 3,691 |
Efficiency ratio | 68.4169% | 3,981 |
Assets per employee ($millions) | 3.9602% | 3,953 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.9532% | 759 |
Loan loss allowance to noncurrent loans | 74.0634% | 4,060 |
Noncurrent assets plus other real estate owned to assets | 3.7996% | 1,294 |
Noncurrent loans to loans | 3.9874% | 1,286 |
Net loans and leases to total assets | 70.1273% | 1,889 |
Net loans and leases to deposits | 79.5783% | 2,463 |
Net loans and leases to core deposits | 89.8040% | 2,010 |
Total domestic deposits to total assets | 88.1237% | 1,971 |
Equity capital to assets | 10.3641% | 3,994 |
Core capital (leverage) ratio | 8.5583% | 5,680 |
Tier 1 risk-based capital ratio | 10.8236% | 6,554 |
Total risk-based capital ratio | 12.0919% | 6,525 |
Memoranda: | ||
Average total assets | $2,161,124,750 | 332 |
Average earning assets | $1,903,729,250 | 338 |
Average equity | $219,800,000 | 340 |
Average total loans | $1,552,743,500 | 301 |
2012-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4212% | 4,103 |
Cost of funding earning assets | 0.5268% | 5,449 |
Net interest margin | 3.8944% | 2,931 |
Noninterest income to average assets | 0.8332% | 2,043 |
Noninterest expense to average assets | 2.9904% | 3,288 |
Loan and lease loss provision to assets | 1.4018% | 269 |
Net operating income to assets | -0.0547% | 6,389 |
Return on assets (ROA) | -0.0547% | 6,506 |
Pretax return on assets | -0.1323% | 6,542 |
Return on Equity (ROE) | -0.5413% | 6,506 |
Retained earnings to average equity (ytd only) | -0.5413% | 6,133 |
Net charge-offs to loans | 0.4836% | 2,139 |
Credit loss provision to net charge-offs | 404.1900% | 727 |
Earnings coverage of net charge-offs (x) | 3.6605% | 3,309 |
Efficiency ratio | 69.4833% | 3,852 |
Assets per employee ($millions) | 3.9030% | 4,064 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.1281% | 691 |
Loan loss allowance to noncurrent loans | 70.2429% | 4,193 |
Noncurrent assets plus other real estate owned to assets | 4.0643% | 1,248 |
Noncurrent loans to loans | 4.4532% | 1,196 |
Net loans and leases to total assets | 68.3949% | 2,216 |
Net loans and leases to deposits | 77.3972% | 2,771 |
Net loans and leases to core deposits | 87.8838% | 2,219 |
Total domestic deposits to total assets | 88.3687% | 1,915 |
Equity capital to assets | 10.0269% | 4,291 |
Core capital (leverage) ratio | 8.2815% | 5,940 |
Tier 1 risk-based capital ratio | 10.5847% | 6,668 |
Total risk-based capital ratio | 11.8560% | 6,643 |
Memoranda: | ||
Average total assets | $2,160,751,330 | 332 |
Average earning assets | $1,901,289,330 | 336 |
Average equity | $218,367,670 | 339 |
Average total loans | $1,549,502,000 | 298 |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4567% | 4,083 |
Cost of funding earning assets | 0.5526% | 5,480 |
Net interest margin | 3.9042% | 2,900 |
Noninterest income to average assets | 0.7982% | 2,180 |
Noninterest expense to average assets | 2.9934% | 3,274 |
Loan and lease loss provision to assets | 2.7302% | 84 |
Net operating income to assets | -0.8815% | 6,977 |
Return on assets (ROA) | -0.8815% | 6,992 |
Pretax return on assets | -1.4939% | 7,075 |
Return on Equity (ROE) | -8.6878% | 6,969 |
Retained earnings to average equity (ytd only) | -8.6878% | 6,798 |
Net charge-offs to loans | 0.2800% | 2,547 |
Credit loss provision to net charge-offs | 1,348.9871% | 257 |
Earnings coverage of net charge-offs (x) | 6.1087% | 2,252 |
Efficiency ratio | 70.0388% | 3,800 |
Assets per employee ($millions) | 3.9733% | 4,074 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.2552% | 645 |
Loan loss allowance to noncurrent loans | 62.7573% | 4,385 |
Noncurrent assets plus other real estate owned to assets | 4.4904% | 1,192 |
Noncurrent loans to loans | 5.1870% | 1,059 |
Net loans and leases to total assets | 69.5985% | 1,823 |
Net loans and leases to deposits | 78.9909% | 2,343 |
Net loans and leases to core deposits | 90.4116% | 1,810 |
Total domestic deposits to total assets | 88.1094% | 2,243 |
Equity capital to assets | 9.9819% | 4,141 |
Core capital (leverage) ratio | 7.9670% | 6,285 |
Tier 1 risk-based capital ratio | 9.9898% | 6,883 |
Total risk-based capital ratio | 11.2618% | 6,872 |
Memoranda: | ||
Average total assets | $2,146,329,000 | 331 |
Average earning assets | $1,886,490,000 | 335 |
Average equity | $217,777,500 | 335 |
Average total loans | $1,551,288,000 | 292 |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6586% | 4,428 |
Cost of funding earning assets | 0.6937% | 5,582 |
Net interest margin | 3.9648% | 3,045 |
Noninterest income to average assets | 0.7882% | 2,127 |
Noninterest expense to average assets | 2.9459% | 3,792 |
Loan and lease loss provision to assets | 1.7260% | 389 |
Net operating income to assets | -0.1903% | 6,246 |
Return on assets (ROA) | -0.1903% | 6,316 |
Pretax return on assets | -0.3792% | 6,410 |
Return on Equity (ROE) | -1.8787% | 6,326 |
Retained earnings to average equity (ytd only) | -1.8787% | 6,141 |
Net charge-offs to loans | 2.6512% | 416 |
Credit loss provision to net charge-offs | 88.9174% | 4,057 |
Earnings coverage of net charge-offs (x) | 0.6938% | 5,289 |
Efficiency ratio | 67.8924% | 4,385 |
Assets per employee ($millions) | 3.9835% | 3,895 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.3838% | 1,484 |
Loan loss allowance to noncurrent loans | 64.7762% | 4,272 |
Noncurrent assets plus other real estate owned to assets | 3.2107% | 1,860 |
Noncurrent loans to loans | 3.6800% | 1,717 |
Net loans and leases to total assets | 70.8849% | 1,848 |
Net loans and leases to deposits | 80.8179% | 2,385 |
Net loans and leases to core deposits | 93.8783% | 1,713 |
Total domestic deposits to total assets | 87.7094% | 2,330 |
Equity capital to assets | 10.3128% | 3,763 |
Core capital (leverage) ratio | 7.9608% | 6,303 |
Tier 1 risk-based capital ratio | 10.1700% | 6,808 |
Total risk-based capital ratio | 11.4319% | 6,787 |
Memoranda: | ||
Average total assets | $2,210,264,600 | 314 |
Average earning assets | $1,953,648,800 | 312 |
Average equity | $223,928,000 | 316 |
Average total loans | $1,618,296,400 | 281 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6412% | 4,702 |
Cost of funding earning assets | 0.7184% | 5,658 |
Net interest margin | 3.9228% | 3,260 |
Noninterest income to average assets | 0.7651% | 2,229 |
Noninterest expense to average assets | 2.9731% | 3,661 |
Loan and lease loss provision to assets | 1.1682% | 682 |
Net operating income to assets | 0.0836% | 5,999 |
Return on assets (ROA) | 0.0836% | 6,120 |
Pretax return on assets | 0.0968% | 6,104 |
Return on Equity (ROE) | 0.8283% | 6,100 |
Retained earnings to average equity (ytd only) | 0.8283% | 5,678 |
Net charge-offs to loans | 1.5916% | 889 |
Credit loss provision to net charge-offs | 100.0461% | 3,362 |
Earnings coverage of net charge-offs (x) | 1.0833% | 4,818 |
Efficiency ratio | 69.4113% | 4,055 |
Assets per employee ($millions) | 4.0599% | 3,716 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.5982% | 1,267 |
Loan loss allowance to noncurrent loans | 72.1943% | 3,883 |
Noncurrent assets plus other real estate owned to assets | 2.9742% | 2,158 |
Noncurrent loans to loans | 3.5988% | 1,909 |
Net loans and leases to total assets | 71.3472% | 1,840 |
Net loans and leases to deposits | 81.3433% | 2,475 |
Net loans and leases to core deposits | 96.5295% | 1,552 |
Total domestic deposits to total assets | 87.7112% | 2,227 |
Equity capital to assets | 10.3187% | 3,931 |
Core capital (leverage) ratio | 8.3808% | 5,881 |
Tier 1 risk-based capital ratio | 10.5700% | 6,746 |
Total risk-based capital ratio | 11.8352% | 6,726 |
Memoranda: | ||
Average total assets | $2,229,037,000 | 314 |
Average earning assets | $1,973,435,750 | 314 |
Average equity | $224,860,750 | 323 |
Average total loans | $1,635,251,250 | 274 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6191% | 4,888 |
Cost of funding earning assets | 0.7484% | 5,681 |
Net interest margin | 3.8707% | 3,439 |
Noninterest income to average assets | 0.7357% | 2,346 |
Noninterest expense to average assets | 2.7383% | 4,662 |
Loan and lease loss provision to assets | 1.4483% | 495 |
Net operating income to assets | 0.0069% | 6,210 |
Return on assets (ROA) | 0.0069% | 6,290 |
Pretax return on assets | -0.0275% | 6,290 |
Return on Equity (ROE) | 0.0686% | 6,290 |
Retained earnings to average equity (ytd only) | 0.0686% | 5,808 |
Net charge-offs to loans | 2.0581% | 642 |
Credit loss provision to net charge-offs | 95.8767% | 3,280 |
Earnings coverage of net charge-offs (x) | 0.9406% | 4,599 |
Efficiency ratio | 65.0811% | 5,046 |
Assets per employee ($millions) | 3.8956% | 4,001 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.5325% | 1,395 |
Loan loss allowance to noncurrent loans | 67.2586% | 4,077 |
Noncurrent assets plus other real estate owned to assets | 3.3153% | 2,003 |
Noncurrent loans to loans | 3.7653% | 1,859 |
Net loans and leases to total assets | 71.3428% | 1,922 |
Net loans and leases to deposits | 81.6058% | 2,507 |
Net loans and leases to core deposits | 97.6563% | 1,528 |
Total domestic deposits to total assets | 87.4237% | 2,506 |
Equity capital to assets | 10.1634% | 3,929 |
Core capital (leverage) ratio | 8.0961% | 6,170 |
Tier 1 risk-based capital ratio | 10.2518% | 6,893 |
Total risk-based capital ratio | 11.5168% | 6,882 |
Memoranda: | ||
Average total assets | $2,241,265,330 | 319 |
Average earning assets | $1,982,214,670 | 316 |
Average equity | $224,406,670 | 327 |
Average total loans | $1,645,033,000 | 281 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6589% | 4,704 |
Cost of funding earning assets | 0.7707% | 5,745 |
Net interest margin | 3.8882% | 3,203 |
Noninterest income to average assets | 0.7225% | 2,432 |
Noninterest expense to average assets | 2.8497% | 4,267 |
Loan and lease loss provision to assets | 1.4897% | 434 |
Net operating income to assets | -0.0864% | 6,446 |
Return on assets (ROA) | -0.0864% | 6,462 |
Pretax return on assets | -0.1795% | 6,525 |
Return on Equity (ROE) | -0.8690% | 6,467 |
Retained earnings to average equity (ytd only) | -0.8690% | 5,955 |
Net charge-offs to loans | 1.9033% | 674 |
Credit loss provision to net charge-offs | 106.4909% | 2,506 |
Earnings coverage of net charge-offs (x) | 0.9366% | 3,950 |
Efficiency ratio | 67.7452% | 4,703 |
Assets per employee ($millions) | 4.2364% | 3,377 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.5891% | 1,327 |
Loan loss allowance to noncurrent loans | 53.3729% | 4,812 |
Noncurrent assets plus other real estate owned to assets | 4.0066% | 1,666 |
Noncurrent loans to loans | 4.8509% | 1,403 |
Net loans and leases to total assets | 70.0972% | 2,108 |
Net loans and leases to deposits | 79.9196% | 2,735 |
Net loans and leases to core deposits | 97.1747% | 1,582 |
Total domestic deposits to total assets | 87.7097% | 2,550 |
Equity capital to assets | 9.8783% | 3,923 |
Core capital (leverage) ratio | 7.9410% | 6,315 |
Tier 1 risk-based capital ratio | 9.9765% | 7,014 |
Total risk-based capital ratio | 11.2408% | 7,005 |
Memoranda: | ||
Average total assets | $2,255,534,500 | 321 |
Average earning assets | $1,994,046,000 | 316 |
Average equity | $224,165,500 | 324 |
Average total loans | $1,657,730,500 | 281 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9305% | 4,874 |
Cost of funding earning assets | 0.9614% | 5,881 |
Net interest margin | 3.9691% | 3,158 |
Noninterest income to average assets | 0.7378% | 2,604 |
Noninterest expense to average assets | 2.7863% | 4,655 |
Loan and lease loss provision to assets | 3.3950% | 241 |
Net operating income to assets | -1.1593% | 6,767 |
Return on assets (ROA) | -1.1591% | 6,786 |
Pretax return on assets | -1.9021% | 6,993 |
Return on Equity (ROE) | -10.9828% | 6,769 |
Retained earnings to average equity (ytd only) | -10.9828% | 6,711 |
Net charge-offs to loans | 4.4088% | 255 |
Credit loss provision to net charge-offs | 98.8874% | 4,678 |
Earnings coverage of net charge-offs (x) | 0.4348% | 5,675 |
Efficiency ratio | 64.3662% | 5,287 |
Assets per employee ($millions) | 4.1337% | 3,506 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.4764% | 1,435 |
Loan loss allowance to noncurrent loans | 51.5713% | 4,913 |
Noncurrent assets plus other real estate owned to assets | 4.1461% | 1,618 |
Noncurrent loans to loans | 4.8019% | 1,435 |
Net loans and leases to total assets | 73.1884% | 1,826 |
Net loans and leases to deposits | 83.7947% | 2,485 |
Net loans and leases to core deposits | 100.7682% | 1,555 |
Total domestic deposits to total assets | 87.3425% | 2,643 |
Equity capital to assets | 9.9992% | 3,741 |
Core capital (leverage) ratio | 8.1884% | 5,843 |
Tier 1 risk-based capital ratio | 10.2684% | 6,836 |
Total risk-based capital ratio | 11.5314% | 6,810 |
Memoranda: | ||
Average total assets | $2,335,252,200 | 306 |
Average earning assets | $2,083,408,000 | 302 |
Average equity | $246,450,000 | 299 |
Average total loans | $1,818,501,400 | 262 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9288% | 5,140 |
Cost of funding earning assets | 1.0013% | 5,933 |
Net interest margin | 3.9274% | 3,416 |
Noninterest income to average assets | 0.7320% | 2,627 |
Noninterest expense to average assets | 2.8321% | 4,342 |
Loan and lease loss provision to assets | 1.7133% | 739 |
Net operating income to assets | -0.1645% | 6,269 |
Return on assets (ROA) | -0.1642% | 6,349 |
Pretax return on assets | -0.3007% | 6,408 |
Return on Equity (ROE) | -1.5368% | 6,348 |
Retained earnings to average equity (ytd only) | -1.5368% | 6,108 |
Net charge-offs to loans | 1.5385% | 1,305 |
Credit loss provision to net charge-offs | 141.7809% | 2,788 |
Earnings coverage of net charge-offs (x) | 1.1686% | 4,896 |
Efficiency ratio | 65.9659% | 4,864 |
Assets per employee ($millions) | 4.3050% | 3,247 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.8340% | 978 |
Loan loss allowance to noncurrent loans | 36.8673% | 5,876 |
Noncurrent assets plus other real estate owned to assets | 6.5617% | 859 |
Noncurrent loans to loans | 7.6870% | 694 |
Net loans and leases to total assets | 76.1484% | 1,381 |
Net loans and leases to deposits | 88.3053% | 1,974 |
Net loans and leases to core deposits | 106.5725% | 1,278 |
Total domestic deposits to total assets | 86.2331% | 2,958 |
Equity capital to assets | 10.7248% | 3,264 |
Core capital (leverage) ratio | 9.5844% | 3,792 |
Tier 1 risk-based capital ratio | 11.5013% | 5,933 |
Total risk-based capital ratio | 12.7685% | 5,901 |
Memoranda: | ||
Average total assets | $2,357,915,500 | 299 |
Average earning assets | $2,108,715,750 | 300 |
Average equity | $251,952,000 | 296 |
Average total loans | $1,852,001,500 | 259 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8947% | 5,416 |
Cost of funding earning assets | 1.0303% | 6,000 |
Net interest margin | 3.8644% | 3,614 |
Noninterest income to average assets | 0.6914% | 2,755 |
Noninterest expense to average assets | 2.8176% | 4,406 |
Loan and lease loss provision to assets | 1.1728% | 1,206 |
Net operating income to assets | 0.1223% | 5,802 |
Return on assets (ROA) | 0.1223% | 5,908 |
Pretax return on assets | 0.1590% | 5,864 |
Return on Equity (ROE) | 1.1463% | 5,903 |
Retained earnings to average equity (ytd only) | 1.1463% | 5,297 |
Net charge-offs to loans | 1.6041% | 1,183 |
Credit loss provision to net charge-offs | 93.0139% | 4,336 |
Earnings coverage of net charge-offs (x) | 1.0563% | 4,735 |
Efficiency ratio | 67.1025% | 4,744 |
Assets per employee ($millions) | 4.2109% | 3,362 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.2295% | 1,704 |
Loan loss allowance to noncurrent loans | 33.2445% | 6,153 |
Noncurrent assets plus other real estate owned to assets | 5.7375% | 1,055 |
Noncurrent loans to loans | 6.7064% | 875 |
Net loans and leases to total assets | 77.0168% | 1,290 |
Net loans and leases to deposits | 90.0777% | 1,840 |
Net loans and leases to core deposits | 113.1524% | 970 |
Total domestic deposits to total assets | 85.5004% | 3,372 |
Equity capital to assets | 10.7200% | 3,157 |
Core capital (leverage) ratio | 9.8080% | 3,391 |
Tier 1 risk-based capital ratio | 11.4161% | 5,855 |
Total risk-based capital ratio | 12.6763% | 5,811 |
Memoranda: | ||
Average total assets | $2,370,430,330 | 299 |
Average earning assets | $2,121,147,000 | 298 |
Average equity | $252,984,670 | 292 |
Average total loans | $1,863,182,000 | 258 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9462% | 5,248 |
Cost of funding earning assets | 1.0759% | 6,014 |
Net interest margin | 3.8702% | 3,458 |
Noninterest income to average assets | 0.7199% | 2,466 |
Noninterest expense to average assets | 2.8616% | 4,219 |
Loan and lease loss provision to assets | 1.1381% | 1,078 |
Net operating income to assets | 0.1366% | 5,900 |
Return on assets (ROA) | 0.1366% | 6,026 |
Pretax return on assets | 0.1809% | 5,942 |
Return on Equity (ROE) | 1.2825% | 6,036 |
Retained earnings to average equity (ytd only) | 1.2825% | 5,299 |
Net charge-offs to loans | 1.4046% | 1,228 |
Credit loss provision to net charge-offs | 103.1952% | 3,314 |
Earnings coverage of net charge-offs (x) | 1.1960% | 4,050 |
Efficiency ratio | 67.6185% | 4,797 |
Assets per employee ($millions) | 4.4338% | 3,066 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.3129% | 1,561 |
Loan loss allowance to noncurrent loans | 45.6596% | 5,309 |
Noncurrent assets plus other real estate owned to assets | 4.4531% | 1,525 |
Noncurrent loans to loans | 5.0656% | 1,421 |
Net loans and leases to total assets | 76.5188% | 1,431 |
Net loans and leases to deposits | 89.7116% | 1,944 |
Net loans and leases to core deposits | 111.7027% | 1,183 |
Total domestic deposits to total assets | 85.2942% | 3,511 |
Equity capital to assets | 10.7032% | 3,038 |
Core capital (leverage) ratio | 9.7128% | 3,500 |
Tier 1 risk-based capital ratio | 11.3899% | 5,776 |
Total risk-based capital ratio | 12.6510% | 5,739 |
Memoranda: | ||
Average total assets | $2,372,387,500 | 308 |
Average earning assets | $2,121,323,500 | 309 |
Average equity | $252,631,500 | 294 |
Average total loans | $1,862,685,000 | 270 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2101% | 5,607 |
Cost of funding earning assets | 1.6943% | 4,542 |
Net interest margin | 3.5158% | 4,887 |
Noninterest income to average assets | 0.7490% | 2,683 |
Noninterest expense to average assets | 2.7415% | 5,189 |
Loan and lease loss provision to assets | 1.1008% | 2,071 |
Net operating income to assets | 0.0729% | 5,288 |
Return on assets (ROA) | 0.0128% | 5,496 |
Pretax return on assets | 0.0001% | 5,445 |
Return on Equity (ROE) | 0.1252% | 5,497 |
Retained earnings to average equity (ytd only) | -2.3575% | 5,585 |
Net charge-offs to loans | 0.6346% | 3,297 |
Credit loss provision to net charge-offs | 216.3542% | 1,761 |
Earnings coverage of net charge-offs (x) | 2.2819% | 4,017 |
Efficiency ratio | 69.3114% | 4,769 |
Assets per employee ($millions) | 4.4598% | 2,992 |
Cash dividends to net income (ytd only)* | 1,983.3333% | 14 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.2732% | 1,526 |
Loan loss allowance to noncurrent loans | 42.2490% | 5,599 |
Noncurrent assets plus other real estate owned to assets | 4.7318% | 1,337 |
Noncurrent loans to loans | 5.3806% | 1,215 |
Net loans and leases to total assets | 76.9095% | 1,602 |
Net loans and leases to deposits | 91.6940% | 1,933 |
Net loans and leases to core deposits | 112.7217% | 2,625 |
Total domestic deposits to total assets | 83.8762% | 4,084 |
Equity capital to assets | 10.5949% | 3,073 |
Core capital (leverage) ratio | 9.6464% | 3,522 |
Tier 1 risk-based capital ratio | 11.1962% | 5,726 |
Total risk-based capital ratio | 12.4568% | 5,664 |
Memoranda: | ||
Average total assets | $2,348,209,400 | 306 |
Average earning assets | $2,106,301,000 | 314 |
Average equity | $239,661,400 | 296 |
Average total loans | $1,882,799,600 | 280 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2418% | 5,720 |
Cost of funding earning assets | 1.8303% | 4,233 |
Net interest margin | 3.4116% | 5,211 |
Noninterest income to average assets | 0.7752% | 2,575 |
Noninterest expense to average assets | 2.7975% | 4,910 |
Loan and lease loss provision to assets | 0.8148% | 2,336 |
Net operating income to assets | 0.1489% | 5,327 |
Return on assets (ROA) | 0.1489% | 5,387 |
Pretax return on assets | 0.2275% | 5,237 |
Return on Equity (ROE) | 1.4731% | 5,343 |
Retained earnings to average equity (ytd only) | -1.8813% | 5,697 |
Net charge-offs to loans | 0.2785% | 4,293 |
Credit loss provision to net charge-offs | 363.2207% | 1,122 |
Earnings coverage of net charge-offs (x) | 4.6462% | 3,060 |
Efficiency ratio | 71.8918% | 4,259 |
Assets per employee ($millions) | 4.5259% | 2,825 |
Cash dividends to net income (ytd only)* | 227.7079% | 157 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1047% | 1,592 |
Loan loss allowance to noncurrent loans | 33.0186% | 6,228 |
Noncurrent assets plus other real estate owned to assets | 5.5787% | 1,017 |
Noncurrent loans to loans | 6.3741% | 911 |
Net loans and leases to total assets | 77.3601% | 1,708 |
Net loans and leases to deposits | 91.6153% | 2,306 |
Net loans and leases to core deposits | 109.8979% | 3,253 |
Total domestic deposits to total assets | 84.4401% | 3,510 |
Equity capital to assets | 10.8394% | 3,178 |
Core capital (leverage) ratio | 9.7285% | 3,605 |
Tier 1 risk-based capital ratio | 11.3532% | 5,586 |
Total risk-based capital ratio | 12.6117% | 5,516 |
Memoranda: | ||
Average total assets | $2,339,874,500 | 322 |
Average earning assets | $2,101,860,000 | 325 |
Average equity | $236,496,000 | 309 |
Average total loans | $1,884,938,750 | 291 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3147% | 5,590 |
Cost of funding earning assets | 1.9257% | 4,135 |
Net interest margin | 3.3891% | 5,217 |
Noninterest income to average assets | 0.7851% | 2,486 |
Noninterest expense to average assets | 2.7887% | 5,006 |
Loan and lease loss provision to assets | 0.7104% | 2,299 |
Net operating income to assets | 0.2081% | 5,236 |
Return on assets (ROA) | 0.2081% | 5,312 |
Pretax return on assets | 0.3251% | 5,146 |
Return on Equity (ROE) | 2.1097% | 5,258 |
Retained earnings to average equity (ytd only) | -1.9257% | 5,721 |
Net charge-offs to loans | 0.2618% | 3,880 |
Credit loss provision to net charge-offs | 334.6774% | 1,384 |
Earnings coverage of net charge-offs (x) | 4.8786% | 2,974 |
Efficiency ratio | 71.9491% | 4,423 |
Assets per employee ($millions) | 4.3319% | 3,052 |
Cash dividends to net income (ytd only)* | 191.2793% | 245 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8322% | 1,960 |
Loan loss allowance to noncurrent loans | 40.0357% | 5,714 |
Noncurrent assets plus other real estate owned to assets | 4.1493% | 1,398 |
Noncurrent loans to loans | 4.5765% | 1,400 |
Net loans and leases to total assets | 78.2046% | 1,700 |
Net loans and leases to deposits | 93.6593% | 2,144 |
Net loans and leases to core deposits | 112.6058% | 3,064 |
Total domestic deposits to total assets | 83.4990% | 4,013 |
Equity capital to assets | 10.7967% | 3,120 |
Core capital (leverage) ratio | 9.6983% | 3,632 |
Tier 1 risk-based capital ratio | 11.1757% | 5,696 |
Total risk-based capital ratio | 12.4311% | 5,617 |
Memoranda: | ||
Average total assets | $2,336,847,000 | 329 |
Average earning assets | $2,095,570,000 | 333 |
Average equity | $230,457,000 | 320 |
Average total loans | $1,894,511,000 | 296 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3860% | 5,496 |
Cost of funding earning assets | 2.0235% | 4,017 |
Net interest margin | 3.3625% | 5,280 |
Noninterest income to average assets | 0.7605% | 2,537 |
Noninterest expense to average assets | 2.7751% | 4,678 |
Loan and lease loss provision to assets | 0.5339% | 2,337 |
Net operating income to assets | 0.2881% | 5,340 |
Return on assets (ROA) | 0.2881% | 5,512 |
Pretax return on assets | 0.4596% | 5,210 |
Return on Equity (ROE) | 3.0697% | 5,343 |
Retained earnings to average equity (ytd only) | 1.5559% | 4,980 |
Net charge-offs to loans | 0.3182% | 2,827 |
Credit loss provision to net charge-offs | 205.1621% | 2,168 |
Earnings coverage of net charge-offs (x) | 3.8180% | 3,057 |
Efficiency ratio | 72.6409% | 4,075 |
Assets per employee ($millions) | 4.3716% | 2,935 |
Cash dividends to net income (ytd only)* | 49.3126% | 1,783 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5883% | 2,567 |
Loan loss allowance to noncurrent loans | 30.7023% | 6,494 |
Noncurrent assets plus other real estate owned to assets | 4.7373% | 987 |
Noncurrent loans to loans | 5.1731% | 1,038 |
Net loans and leases to total assets | 80.4053% | 1,313 |
Net loans and leases to deposits | 94.2872% | 2,223 |
Net loans and leases to core deposits | 115.1319% | 2,897 |
Total domestic deposits to total assets | 85.2770% | 3,073 |
Equity capital to assets | 9.3665% | 4,850 |
Core capital (leverage) ratio | 8.3648% | 5,783 |
Tier 1 risk-based capital ratio | 9.1813% | 7,684 |
Total risk-based capital ratio | 10.4068% | 7,702 |
Memoranda: | ||
Average total assets | $2,322,654,000 | 331 |
Average earning assets | $2,077,834,000 | 336 |
Average equity | $218,002,000 | 345 |
Average total loans | $1,899,644,000 | 297 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.1115% | 4,984 |
Cost of funding earning assets | 2.5865% | 3,749 |
Net interest margin | 3.5249% | 5,208 |
Noninterest income to average assets | 0.8614% | 2,157 |
Noninterest expense to average assets | 2.8487% | 4,608 |
Loan and lease loss provision to assets | 0.5074% | 2,780 |
Net operating income to assets | 0.4024% | 5,138 |
Return on assets (ROA) | 0.3081% | 5,331 |
Pretax return on assets | 0.4842% | 5,017 |
Return on Equity (ROE) | 3.2215% | 5,146 |
Retained earnings to average equity (ytd only) | 1.4653% | 4,343 |
Net charge-offs to loans | 0.2652% | 3,633 |
Credit loss provision to net charge-offs | 235.4751% | 2,016 |
Earnings coverage of net charge-offs (x) | 5.2857% | 3,696 |
Efficiency ratio | 70.4862% | 4,250 |
Assets per employee ($millions) | 4.0189% | 3,474 |
Cash dividends to net income (ytd only)* | 54.5149% | 2,910 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5171% | 2,598 |
Loan loss allowance to noncurrent loans | 40.0815% | 6,054 |
Noncurrent assets plus other real estate owned to assets | 3.2650% | 1,391 |
Noncurrent loans to loans | 3.7851% | 1,316 |
Net loans and leases to total assets | 80.6310% | 1,522 |
Net loans and leases to deposits | 97.4348% | 2,212 |
Net loans and leases to core deposits | 119.0570% | 2,782 |
Total domestic deposits to total assets | 82.7538% | 3,875 |
Equity capital to assets | 9.4055% | 4,814 |
Core capital (leverage) ratio | 8.5058% | 5,570 |
Tier 1 risk-based capital ratio | 9.1279% | 7,685 |
Total risk-based capital ratio | 10.3795% | 7,652 |
Memoranda: | ||
Average total assets | $2,217,461,800 | 325 |
Average earning assets | $1,966,614,800 | 335 |
Average equity | $212,104,000 | 354 |
Average total loans | $1,801,630,400 | 303 |