Home > StellarOne Bank > Performance and Condition Ratios
StellarOne Bank, Performance and Condition Ratios
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 | 3.8161% | 4,420 |
Cost of funding earning assets | -0.0445% | 6,729 |
Net interest margin | 3.8606% | 2,226 |
Noninterest income to average assets | 0.8210% | 1,669 |
Noninterest expense to average assets | 2.7232% | 3,858 |
Loan and lease loss provision to assets | 0.0648% | 2,829 |
Net operating income to assets | 0.9728% | 2,312 |
Return on assets (ROA) | 0.9752% | 2,365 |
Pretax return on assets | 1.3982% | 1,754 |
Return on Equity (ROE) | 5.8723% | 4,088 |
Retained earnings to average equity (ytd only) | 1.8278% | 4,869 |
Net charge-offs to loans | -0.0135% | 5,162 |
Credit loss provision to net charge-offs | -660.5263% | 5,246 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 59.5158% | 5,468 |
Assets per employee ($millions) | 5.2019% | 2,009 |
Cash dividends to net income (ytd only)* | 68.8742% | 1,174 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.0260% | 6,667 |
Loan loss allowance to noncurrent loans | 4.5213% | 6,192 |
Noncurrent assets plus other real estate owned to assets | 0.5089% | 4,625 |
Noncurrent loans to loans | 0.5749% | 4,442 |
Net loans and leases to total assets | 70.9908% | 1,723 |
Net loans and leases to deposits | 90.8562% | 1,053 |
Net loans and leases to core deposits | 92.6873% | 1,667 |
Total domestic deposits to total assets | 78.1353% | 5,816 |
Equity capital to assets | 18.3206% | 304 |
Core capital (leverage) ratio | 10.9764% | 2,413 |
Tier 1 risk-based capital ratio | 13.6551% | 4,577 |
Total risk-based capital ratio | 13.6805% | 5,290 |
Memoranda: | ||
Average total assets | $3,096,742,000 | 256 |
Average earning assets | $2,696,679,500 | 263 |
Average equity | $514,278,500 | 198 |
Average total loans | $2,258,677,500 | 242 |
2013-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1764% | 3,426 |
Cost of funding earning assets | 0.4812% | 3,805 |
Net interest margin | 3.6952% | 3,072 |
Noninterest income to average assets | 1.0877% | 1,193 |
Noninterest expense to average assets | 3.0679% | 2,840 |
Loan and lease loss provision to assets | -0.0444% | 6,367 |
Net operating income to assets | 0.9639% | 2,497 |
Return on assets (ROA) | 0.9641% | 2,562 |
Pretax return on assets | 1.3535% | 1,955 |
Return on Equity (ROE) | 6.5001% | 3,832 |
Retained earnings to average equity (ytd only) | 2.4988% | 4,479 |
Net charge-offs to loans | 0.2382% | 2,546 |
Credit loss provision to net charge-offs | -25.5259% | 5,730 |
Earnings coverage of net charge-offs (x) | 7.5215% | 2,830 |
Efficiency ratio | 68.9984% | 4,017 |
Assets per employee ($millions) | 4.5564% | 2,812 |
Cash dividends to net income (ytd only)* | 61.5574% | 1,689 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0115% | 5,507 |
Loan loss allowance to noncurrent loans | 89.2548% | 3,896 |
Noncurrent assets plus other real estate owned to assets | 0.9900% | 3,437 |
Noncurrent loans to loans | 1.1333% | 3,279 |
Net loans and leases to total assets | 74.1513% | 1,323 |
Net loans and leases to deposits | 91.8047% | 1,079 |
Net loans and leases to core deposits | 93.7447% | 1,619 |
Total domestic deposits to total assets | 80.7707% | 5,249 |
Equity capital to assets | 14.8546% | 698 |
Core capital (leverage) ratio | 11.4297% | 2,014 |
Tier 1 risk-based capital ratio | 14.3737% | 4,033 |
Total risk-based capital ratio | 15.3600% | 4,167 |
Memoranda: | ||
Average total assets | $3,032,848,600 | 250 |
Average earning assets | $2,699,385,800 | 253 |
Average equity | $449,853,000 | 213 |
Average total loans | $2,215,451,000 | 233 |
2013-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1770% | 3,471 |
Cost of funding earning assets | 0.4929% | 3,847 |
Net interest margin | 3.6841% | 3,086 |
Noninterest income to average assets | 1.1213% | 1,164 |
Noninterest expense to average assets | 3.0924% | 2,682 |
Loan and lease loss provision to assets | 0.0227% | 4,553 |
Net operating income to assets | 0.9115% | 2,771 |
Return on assets (ROA) | 0.9117% | 2,877 |
Pretax return on assets | 1.2829% | 2,394 |
Return on Equity (ROE) | 6.1490% | 4,109 |
Retained earnings to average equity (ytd only) | 0.7992% | 5,659 |
Net charge-offs to loans | 0.2740% | 2,179 |
Credit loss provision to net charge-offs | 11.4140% | 4,204 |
Earnings coverage of net charge-offs (x) | 6.5647% | 2,949 |
Efficiency ratio | 69.2246% | 3,886 |
Assets per employee ($millions) | 4.2820% | 3,265 |
Cash dividends to net income (ytd only)* | 87.0028% | 627 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1314% | 5,202 |
Loan loss allowance to noncurrent loans | 98.2538% | 3,514 |
Noncurrent assets plus other real estate owned to assets | 0.9997% | 3,660 |
Noncurrent loans to loans | 1.1515% | 3,507 |
Net loans and leases to total assets | 73.4093% | 1,382 |
Net loans and leases to deposits | 91.8515% | 989 |
Net loans and leases to core deposits | 93.7733% | 1,591 |
Total domestic deposits to total assets | 79.9217% | 5,528 |
Equity capital to assets | 14.5693% | 801 |
Core capital (leverage) ratio | 11.2416% | 2,260 |
Tier 1 risk-based capital ratio | 14.1014% | 4,356 |
Total risk-based capital ratio | 15.2077% | 4,413 |
Memoranda: | ||
Average total assets | $3,025,577,750 | 247 |
Average earning assets | $2,690,765,250 | 250 |
Average equity | $448,606,750 | 210 |
Average total loans | $2,195,898,250 | 233 |
2013-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1841% | 3,434 |
Cost of funding earning assets | 0.5084% | 3,820 |
Net interest margin | 3.6757% | 3,055 |
Noninterest income to average assets | 1.1469% | 1,158 |
Noninterest expense to average assets | 3.1281% | 2,582 |
Loan and lease loss provision to assets | 0.0209% | 4,480 |
Net operating income to assets | 0.9002% | 2,794 |
Return on assets (ROA) | 0.9005% | 2,934 |
Pretax return on assets | 1.2652% | 2,421 |
Return on Equity (ROE) | 6.0374% | 4,153 |
Retained earnings to average equity (ytd only) | -0.2010% | 5,893 |
Net charge-offs to loans | 0.2559% | 2,186 |
Credit loss provision to net charge-offs | 11.3595% | 3,880 |
Earnings coverage of net charge-offs (x) | 6.9762% | 2,617 |
Efficiency ratio | 69.7796% | 3,870 |
Assets per employee ($millions) | 3.9979% | 3,806 |
Cash dividends to net income (ytd only)* | 103.3287% | 481 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2372% | 4,795 |
Loan loss allowance to noncurrent loans | 102.7677% | 3,391 |
Noncurrent assets plus other real estate owned to assets | 1.0219% | 3,710 |
Noncurrent loans to loans | 1.2039% | 3,547 |
Net loans and leases to total assets | 72.6620% | 1,455 |
Net loans and leases to deposits | 88.2259% | 1,314 |
Net loans and leases to core deposits | 90.0934% | 1,898 |
Total domestic deposits to total assets | 82.3590% | 4,924 |
Equity capital to assets | 14.7946% | 761 |
Core capital (leverage) ratio | 11.2861% | 2,100 |
Tier 1 risk-based capital ratio | 14.3737% | 4,177 |
Total risk-based capital ratio | 15.5814% | 4,156 |
Memoranda: | ||
Average total assets | $3,009,278,330 | 248 |
Average earning assets | $2,674,645,670 | 251 |
Average equity | $448,832,000 | 211 |
Average total loans | $2,166,938,000 | 236 |
2013-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1982% | 3,310 |
Cost of funding earning assets | 0.5280% | 3,804 |
Net interest margin | 3.6703% | 2,987 |
Noninterest income to average assets | 1.1124% | 1,202 |
Noninterest expense to average assets | 3.1736% | 2,438 |
Loan and lease loss provision to assets | 0.0930% | 3,108 |
Net operating income to assets | 0.7976% | 3,180 |
Return on assets (ROA) | 0.7982% | 3,312 |
Pretax return on assets | 1.1061% | 2,934 |
Return on Equity (ROE) | 5.3304% | 4,387 |
Retained earnings to average equity (ytd only) | -1.7673% | 6,052 |
Net charge-offs to loans | 0.2749% | 1,856 |
Credit loss provision to net charge-offs | 47.4898% | 2,639 |
Earnings coverage of net charge-offs (x) | 6.1187% | 2,273 |
Efficiency ratio | 71.5037% | 3,709 |
Assets per employee ($millions) | 3.9869% | 3,978 |
Cash dividends to net income (ytd only)* | 133.1558% | 427 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3378% | 4,523 |
Loan loss allowance to noncurrent loans | 90.3436% | 3,622 |
Noncurrent assets plus other real estate owned to assets | 1.2822% | 3,409 |
Noncurrent loans to loans | 1.4808% | 3,341 |
Net loans and leases to total assets | 71.2702% | 1,480 |
Net loans and leases to deposits | 86.2662% | 1,323 |
Net loans and leases to core deposits | 88.1315% | 1,892 |
Total domestic deposits to total assets | 82.6166% | 4,982 |
Equity capital to assets | 14.9411% | 769 |
Core capital (leverage) ratio | 11.2778% | 2,032 |
Tier 1 risk-based capital ratio | 14.5807% | 4,121 |
Total risk-based capital ratio | 15.8315% | 4,082 |
Memoranda: | ||
Average total assets | $3,010,690,500 | 249 |
Average earning assets | $2,673,694,500 | 252 |
Average equity | $450,851,500 | 214 |
Average total loans | $2,144,449,000 | 240 |
2012-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3938% | 3,832 |
Cost of funding earning assets | 0.6533% | 3,887 |
Net interest margin | 3.7405% | 3,478 |
Noninterest income to average assets | 1.1389% | 1,205 |
Noninterest expense to average assets | 3.1836% | 2,668 |
Loan and lease loss provision to assets | 0.1879% | 3,294 |
Net operating income to assets | 0.7880% | 3,338 |
Return on assets (ROA) | 0.8011% | 3,533 |
Pretax return on assets | 1.1009% | 3,153 |
Return on Equity (ROE) | 5.3279% | 4,518 |
Retained earnings to average equity (ytd only) | 4.2022% | 3,272 |
Net charge-offs to loans | 0.4004% | 2,657 |
Credit loss provision to net charge-offs | 66.7549% | 4,257 |
Earnings coverage of net charge-offs (x) | 4.5159% | 3,342 |
Efficiency ratio | 69.9906% | 3,818 |
Assets per employee ($millions) | 3.9832% | 3,986 |
Cash dividends to net income (ytd only)* | 21.1282% | 3,702 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4085% | 4,131 |
Loan loss allowance to noncurrent loans | 82.6974% | 3,827 |
Noncurrent assets plus other real estate owned to assets | 1.3871% | 3,318 |
Noncurrent loans to loans | 1.7032% | 3,065 |
Net loans and leases to total assets | 69.2330% | 1,989 |
Net loans and leases to deposits | 83.8199% | 1,773 |
Net loans and leases to core deposits | 85.5277% | 2,374 |
Total domestic deposits to total assets | 82.5974% | 4,891 |
Equity capital to assets | 15.0089% | 730 |
Core capital (leverage) ratio | 11.4367% | 1,921 |
Tier 1 risk-based capital ratio | 14.9827% | 3,729 |
Total risk-based capital ratio | 16.2343% | 3,681 |
Memoranda: | ||
Average total assets | $2,954,123,000 | 248 |
Average earning assets | $2,618,594,200 | 250 |
Average equity | $444,171,600 | 215 |
Average total loans | $2,076,302,000 | 238 |
2012-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4392% | 3,889 |
Cost of funding earning assets | 0.6824% | 3,924 |
Net interest margin | 3.7568% | 3,517 |
Noninterest income to average assets | 1.1211% | 1,195 |
Noninterest expense to average assets | 3.2003% | 2,566 |
Loan and lease loss provision to assets | 0.1883% | 3,236 |
Net operating income to assets | 0.7708% | 3,597 |
Return on assets (ROA) | 0.7738% | 3,834 |
Pretax return on assets | 1.0666% | 3,474 |
Return on Equity (ROE) | 5.1438% | 4,754 |
Retained earnings to average equity (ytd only) | 5.1438% | 3,261 |
Net charge-offs to loans | 0.4439% | 2,330 |
Credit loss provision to net charge-offs | 60.3373% | 4,140 |
Earnings coverage of net charge-offs (x) | 4.0087% | 3,432 |
Efficiency ratio | 70.3332% | 3,625 |
Assets per employee ($millions) | 3.9688% | 3,935 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4349% | 4,220 |
Loan loss allowance to noncurrent loans | 84.8922% | 3,690 |
Noncurrent assets plus other real estate owned to assets | 1.4590% | 3,415 |
Noncurrent loans to loans | 1.6903% | 3,258 |
Net loans and leases to total assets | 69.4613% | 2,024 |
Net loans and leases to deposits | 84.5328% | 1,799 |
Net loans and leases to core deposits | 86.3788% | 2,417 |
Total domestic deposits to total assets | 82.1708% | 4,959 |
Equity capital to assets | 15.3148% | 748 |
Core capital (leverage) ratio | 11.3684% | 2,079 |
Tier 1 risk-based capital ratio | 15.1464% | 3,741 |
Total risk-based capital ratio | 16.3983% | 3,694 |
Memoranda: | ||
Average total assets | $2,938,841,750 | 248 |
Average earning assets | $2,605,048,750 | 250 |
Average equity | $442,075,750 | 219 |
Average total loans | $2,066,034,750 | 239 |
2012-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4508% | 3,975 |
Cost of funding earning assets | 0.7022% | 4,000 |
Net interest margin | 3.7486% | 3,597 |
Noninterest income to average assets | 1.0911% | 1,201 |
Noninterest expense to average assets | 3.2177% | 2,533 |
Loan and lease loss provision to assets | 0.1534% | 3,604 |
Net operating income to assets | 0.7528% | 3,591 |
Return on assets (ROA) | 0.7567% | 3,845 |
Pretax return on assets | 1.0488% | 3,525 |
Return on Equity (ROE) | 5.0609% | 4,785 |
Retained earnings to average equity (ytd only) | 5.0609% | 3,250 |
Net charge-offs to loans | 0.4557% | 2,236 |
Credit loss provision to net charge-offs | 47.9131% | 4,083 |
Earnings coverage of net charge-offs (x) | 3.7389% | 3,285 |
Efficiency ratio | 71.3101% | 3,550 |
Assets per employee ($millions) | 3.8598% | 4,168 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4648% | 4,179 |
Loan loss allowance to noncurrent loans | 81.9276% | 3,722 |
Noncurrent assets plus other real estate owned to assets | 1.4739% | 3,492 |
Noncurrent loans to loans | 1.7879% | 3,238 |
Net loans and leases to total assets | 68.2231% | 2,256 |
Net loans and leases to deposits | 82.6922% | 2,024 |
Net loans and leases to core deposits | 84.5248% | 2,622 |
Total domestic deposits to total assets | 82.5024% | 4,952 |
Equity capital to assets | 14.9547% | 801 |
Core capital (leverage) ratio | 11.2885% | 2,054 |
Tier 1 risk-based capital ratio | 14.9580% | 3,792 |
Total risk-based capital ratio | 16.2103% | 3,742 |
Memoranda: | ||
Average total assets | $2,934,189,000 | 250 |
Average earning assets | $2,601,383,330 | 250 |
Average equity | $438,695,670 | 216 |
Average total loans | $2,061,075,000 | 238 |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4834% | 3,994 |
Cost of funding earning assets | 0.7309% | 4,018 |
Net interest margin | 3.7524% | 3,590 |
Noninterest income to average assets | 1.0845% | 1,224 |
Noninterest expense to average assets | 3.1898% | 2,637 |
Loan and lease loss provision to assets | 0.1166% | 3,891 |
Net operating income to assets | 0.7915% | 3,416 |
Return on assets (ROA) | 0.7987% | 3,621 |
Pretax return on assets | 1.1136% | 3,273 |
Return on Equity (ROE) | 5.3426% | 4,613 |
Retained earnings to average equity (ytd only) | 5.3426% | 3,345 |
Net charge-offs to loans | 0.3535% | 2,242 |
Credit loss provision to net charge-offs | 46.6264% | 3,335 |
Earnings coverage of net charge-offs (x) | 4.8782% | 2,485 |
Efficiency ratio | 70.7383% | 3,668 |
Assets per employee ($millions) | 3.7711% | 4,491 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5408% | 3,985 |
Loan loss allowance to noncurrent loans | 82.6428% | 3,597 |
Noncurrent assets plus other real estate owned to assets | 1.5448% | 3,546 |
Noncurrent loans to loans | 1.8645% | 3,323 |
Net loans and leases to total assets | 69.2115% | 1,911 |
Net loans and leases to deposits | 83.8379% | 1,682 |
Net loans and leases to core deposits | 85.7549% | 2,320 |
Total domestic deposits to total assets | 82.5540% | 5,100 |
Equity capital to assets | 15.0246% | 745 |
Core capital (leverage) ratio | 11.2352% | 2,085 |
Tier 1 risk-based capital ratio | 14.8205% | 3,879 |
Total risk-based capital ratio | 16.0737% | 3,837 |
Memoranda: | ||
Average total assets | $2,915,274,000 | 250 |
Average earning assets | $2,583,601,500 | 250 |
Average equity | $435,814,500 | 213 |
Average total loans | $2,062,740,000 | 235 |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6703% | 4,375 |
Cost of funding earning assets | 0.9006% | 4,114 |
Net interest margin | 3.7697% | 3,982 |
Noninterest income to average assets | 1.0559% | 1,203 |
Noninterest expense to average assets | 3.2024% | 2,856 |
Loan and lease loss provision to assets | 0.4349% | 2,424 |
Net operating income to assets | 0.5785% | 4,106 |
Return on assets (ROA) | 0.5918% | 4,220 |
Pretax return on assets | 0.7764% | 4,065 |
Return on Equity (ROE) | 3.9246% | 4,884 |
Retained earnings to average equity (ytd only) | -2.3204% | 6,195 |
Net charge-offs to loans | 0.8503% | 2,041 |
Credit loss provision to net charge-offs | 71.5050% | 4,797 |
Earnings coverage of net charge-offs (x) | 1.9631% | 4,310 |
Efficiency ratio | 71.2490% | 3,740 |
Assets per employee ($millions) | 3.5991% | 4,772 |
Cash dividends to net income (ytd only)* | 159.1251% | 128 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5715% | 3,702 |
Loan loss allowance to noncurrent loans | 80.0885% | 3,650 |
Noncurrent assets plus other real estate owned to assets | 1.6920% | 3,415 |
Noncurrent loans to loans | 1.9622% | 3,257 |
Net loans and leases to total assets | 70.0999% | 2,013 |
Net loans and leases to deposits | 84.8935% | 1,817 |
Net loans and leases to core deposits | 86.9130% | 2,514 |
Total domestic deposits to total assets | 82.5738% | 4,939 |
Equity capital to assets | 14.8739% | 809 |
Core capital (leverage) ratio | 10.8568% | 2,391 |
Tier 1 risk-based capital ratio | 14.4339% | 4,019 |
Total risk-based capital ratio | 15.6876% | 3,990 |
Memoranda: | ||
Average total assets | $2,920,431,800 | 245 |
Average earning assets | $2,587,858,600 | 249 |
Average equity | $440,346,000 | 200 |
Average total loans | $2,088,882,600 | 232 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6873% | 4,518 |
Cost of funding earning assets | 0.9331% | 4,177 |
Net interest margin | 3.7542% | 4,092 |
Noninterest income to average assets | 1.0457% | 1,229 |
Noninterest expense to average assets | 3.1647% | 2,943 |
Loan and lease loss provision to assets | 0.4995% | 1,989 |
Net operating income to assets | 0.5471% | 4,333 |
Return on assets (ROA) | 0.5493% | 4,504 |
Pretax return on assets | 0.7118% | 4,427 |
Return on Equity (ROE) | 3.6309% | 5,162 |
Retained earnings to average equity (ytd only) | 2.1232% | 5,076 |
Net charge-offs to loans | 0.8493% | 1,873 |
Credit loss provision to net charge-offs | 82.1394% | 4,070 |
Earnings coverage of net charge-offs (x) | 1.9872% | 4,160 |
Efficiency ratio | 70.7642% | 3,798 |
Assets per employee ($millions) | 3.6116% | 4,733 |
Cash dividends to net income (ytd only)* | 41.5248% | 1,970 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7105% | 3,237 |
Loan loss allowance to noncurrent loans | 80.0890% | 3,563 |
Noncurrent assets plus other real estate owned to assets | 1.7977% | 3,396 |
Noncurrent loans to loans | 2.1357% | 3,199 |
Net loans and leases to total assets | 68.6822% | 2,337 |
Net loans and leases to deposits | 83.4269% | 2,105 |
Net loans and leases to core deposits | 85.4804% | 2,851 |
Total domestic deposits to total assets | 82.3262% | 4,966 |
Equity capital to assets | 15.2438% | 786 |
Core capital (leverage) ratio | 11.4005% | 2,099 |
Tier 1 risk-based capital ratio | 15.4510% | 3,411 |
Total risk-based capital ratio | 16.7066% | 3,384 |
Memoranda: | ||
Average total assets | $2,922,620,250 | 244 |
Average earning assets | $2,590,402,000 | 244 |
Average equity | $442,162,250 | 199 |
Average total loans | $2,092,685,750 | 230 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7063% | 4,508 |
Cost of funding earning assets | 0.9495% | 4,323 |
Net interest margin | 3.7568% | 4,003 |
Noninterest income to average assets | 1.0398% | 1,222 |
Noninterest expense to average assets | 3.1844% | 2,955 |
Loan and lease loss provision to assets | 0.5252% | 1,866 |
Net operating income to assets | 0.5106% | 4,455 |
Return on assets (ROA) | 0.5117% | 4,588 |
Pretax return on assets | 0.6568% | 4,548 |
Return on Equity (ROE) | 3.3911% | 5,215 |
Retained earnings to average equity (ytd only) | 1.1164% | 5,414 |
Net charge-offs to loans | 0.9095% | 1,712 |
Credit loss provision to net charge-offs | 79.9958% | 3,776 |
Earnings coverage of net charge-offs (x) | 1.7982% | 3,968 |
Efficiency ratio | 71.3452% | 3,869 |
Assets per employee ($millions) | 3.5007% | 4,937 |
Cash dividends to net income (ytd only)* | 67.0781% | 1,104 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7186% | 3,265 |
Loan loss allowance to noncurrent loans | 93.7584% | 3,058 |
Noncurrent assets plus other real estate owned to assets | 1.6150% | 3,776 |
Noncurrent loans to loans | 1.8330% | 3,705 |
Net loans and leases to total assets | 69.8288% | 2,252 |
Net loans and leases to deposits | 84.5909% | 2,018 |
Net loans and leases to core deposits | 86.8071% | 2,784 |
Total domestic deposits to total assets | 82.5488% | 4,969 |
Equity capital to assets | 15.0862% | 803 |
Core capital (leverage) ratio | 11.3684% | 1,996 |
Tier 1 risk-based capital ratio | 15.1054% | 3,446 |
Total risk-based capital ratio | 16.3610% | 3,410 |
Memoranda: | ||
Average total assets | $2,913,268,330 | 245 |
Average earning assets | $2,578,523,330 | 251 |
Average equity | $439,618,330 | 202 |
Average total loans | $2,102,962,000 | 233 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7005% | 4,525 |
Cost of funding earning assets | 0.9587% | 4,503 |
Net interest margin | 3.7418% | 3,885 |
Noninterest income to average assets | 1.0536% | 1,186 |
Noninterest expense to average assets | 3.2149% | 2,848 |
Loan and lease loss provision to assets | 0.6193% | 1,389 |
Net operating income to assets | 0.4318% | 4,794 |
Return on assets (ROA) | 0.4329% | 4,871 |
Pretax return on assets | 0.5407% | 4,893 |
Return on Equity (ROE) | 2.8687% | 5,434 |
Retained earnings to average equity (ytd only) | 2.8687% | 4,442 |
Net charge-offs to loans | 0.8757% | 1,509 |
Credit loss provision to net charge-offs | 97.1922% | 2,810 |
Earnings coverage of net charge-offs (x) | 1.8184% | 3,397 |
Efficiency ratio | 71.9006% | 3,888 |
Assets per employee ($millions) | 3.4775% | 5,042 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8057% | 2,994 |
Loan loss allowance to noncurrent loans | 86.6050% | 3,294 |
Noncurrent assets plus other real estate owned to assets | 1.8118% | 3,552 |
Noncurrent loans to loans | 2.0850% | 3,459 |
Net loans and leases to total assets | 70.6039% | 2,009 |
Net loans and leases to deposits | 85.6854% | 1,781 |
Net loans and leases to core deposits | 87.9436% | 2,604 |
Total domestic deposits to total assets | 82.3991% | 5,147 |
Equity capital to assets | 15.2437% | 717 |
Core capital (leverage) ratio | 11.4154% | 1,899 |
Tier 1 risk-based capital ratio | 15.2490% | 3,290 |
Total risk-based capital ratio | 16.5060% | 3,244 |
Memoranda: | ||
Average total assets | $2,906,597,500 | 244 |
Average earning assets | $2,578,850,500 | 251 |
Average equity | $438,671,000 | 201 |
Average total loans | $2,114,767,000 | 231 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8787% | 5,122 |
Cost of funding earning assets | 1.2524% | 4,199 |
Net interest margin | 3.6262% | 4,692 |
Noninterest income to average assets | 1.0765% | 1,291 |
Noninterest expense to average assets | 3.0907% | 3,502 |
Loan and lease loss provision to assets | 0.7730% | 2,121 |
Net operating income to assets | 0.3479% | 4,752 |
Return on assets (ROA) | 0.3824% | 4,770 |
Pretax return on assets | 0.4721% | 4,716 |
Return on Equity (ROE) | 2.7312% | 5,070 |
Retained earnings to average equity (ytd only) | 0.5084% | 5,323 |
Net charge-offs to loans | 1.1665% | 1,911 |
Credit loss provision to net charge-offs | 90.0528% | 5,131 |
Earnings coverage of net charge-offs (x) | 1.4008% | 4,712 |
Efficiency ratio | 70.3783% | 4,096 |
Assets per employee ($millions) | 5.5263% | 1,551 |
Cash dividends to net income (ytd only)* | 81.3871% | 813 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7497% | 3,029 |
Loan loss allowance to noncurrent loans | 82.9543% | 3,422 |
Noncurrent assets plus other real estate owned to assets | 1.9251% | 3,443 |
Noncurrent loans to loans | 2.1092% | 3,424 |
Net loans and leases to total assets | 72.3150% | 2,026 |
Net loans and leases to deposits | 88.2942% | 1,750 |
Net loans and leases to core deposits | 90.6395% | 2,672 |
Total domestic deposits to total assets | 81.9024% | 5,217 |
Equity capital to assets | 14.9425% | 804 |
Core capital (leverage) ratio | 11.1988% | 2,015 |
Tier 1 risk-based capital ratio | 13.3785% | 4,310 |
Total risk-based capital ratio | 14.6328% | 4,262 |
Memoranda: | ||
Average total assets | $2,955,836,400 | 246 |
Average earning assets | $2,621,995,200 | 245 |
Average equity | $413,881,000 | 206 |
Average total loans | $2,175,288,400 | 226 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8818% | 5,347 |
Cost of funding earning assets | 1.3271% | 4,060 |
Net interest margin | 3.5547% | 5,085 |
Noninterest income to average assets | 1.1051% | 1,157 |
Noninterest expense to average assets | 3.0504% | 3,570 |
Loan and lease loss provision to assets | 0.7895% | 1,930 |
Net operating income to assets | 0.3378% | 5,018 |
Return on assets (ROA) | 0.3596% | 5,112 |
Pretax return on assets | 0.4435% | 5,102 |
Return on Equity (ROE) | 2.6111% | 5,385 |
Retained earnings to average equity (ytd only) | -0.3943% | 5,886 |
Net charge-offs to loans | 1.0850% | 1,876 |
Credit loss provision to net charge-offs | 98.8788% | 4,413 |
Earnings coverage of net charge-offs (x) | 1.5107% | 4,596 |
Efficiency ratio | 70.0411% | 4,058 |
Assets per employee ($millions) | 5.5046% | 1,622 |
Cash dividends to net income (ytd only)* | 115.1007% | 253 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8759% | 2,555 |
Loan loss allowance to noncurrent loans | 74.5918% | 3,598 |
Noncurrent assets plus other real estate owned to assets | 2.2147% | 3,179 |
Noncurrent loans to loans | 2.5149% | 3,102 |
Net loans and leases to total assets | 72.2141% | 2,205 |
Net loans and leases to deposits | 87.5133% | 2,077 |
Net loans and leases to core deposits | 90.0260% | 3,086 |
Total domestic deposits to total assets | 82.5179% | 4,794 |
Equity capital to assets | 14.1030% | 1,136 |
Core capital (leverage) ratio | 9.8975% | 3,358 |
Tier 1 risk-based capital ratio | 12.1676% | 5,306 |
Total risk-based capital ratio | 13.4236% | 5,265 |
Memoranda: | ||
Average total assets | $2,963,940,750 | 242 |
Average earning assets | $2,627,687,000 | 243 |
Average equity | $408,143,000 | 206 |
Average total loans | $2,181,180,750 | 222 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8750% | 5,504 |
Cost of funding earning assets | 1.3873% | 3,955 |
Net interest margin | 3.4877% | 5,293 |
Noninterest income to average assets | 1.1169% | 1,049 |
Noninterest expense to average assets | 2.9827% | 3,767 |
Loan and lease loss provision to assets | 0.9408% | 1,558 |
Net operating income to assets | 0.2550% | 5,357 |
Return on assets (ROA) | 0.2739% | 5,432 |
Pretax return on assets | 0.3110% | 5,467 |
Return on Equity (ROE) | 2.0045% | 5,632 |
Retained earnings to average equity (ytd only) | 2.0045% | 4,858 |
Net charge-offs to loans | 1.1553% | 1,641 |
Credit loss provision to net charge-offs | 110.6561% | 3,669 |
Earnings coverage of net charge-offs (x) | 1.4471% | 4,403 |
Efficiency ratio | 69.1705% | 4,341 |
Assets per employee ($millions) | 5.5963% | 1,542 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9120% | 2,382 |
Loan loss allowance to noncurrent loans | 61.9785% | 4,225 |
Noncurrent assets plus other real estate owned to assets | 2.4642% | 2,918 |
Noncurrent loans to loans | 3.0849% | 2,607 |
Net loans and leases to total assets | 71.9595% | 2,414 |
Net loans and leases to deposits | 88.0548% | 2,158 |
Net loans and leases to core deposits | 90.5904% | 3,177 |
Total domestic deposits to total assets | 81.7213% | 5,101 |
Equity capital to assets | 13.9119% | 1,199 |
Core capital (leverage) ratio | 10.0134% | 3,149 |
Tier 1 risk-based capital ratio | 12.0795% | 5,244 |
Total risk-based capital ratio | 13.3386% | 5,203 |
Memoranda: | ||
Average total assets | $2,986,788,670 | 243 |
Average earning assets | $2,651,471,000 | 242 |
Average equity | $408,078,330 | 207 |
Average total loans | $2,197,954,670 | 222 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8783% | 5,568 |
Cost of funding earning assets | 1.4606% | 3,803 |
Net interest margin | 3.4177% | 5,512 |
Noninterest income to average assets | 1.1221% | 997 |
Noninterest expense to average assets | 2.9548% | 3,841 |
Loan and lease loss provision to assets | 0.8933% | 1,422 |
Net operating income to assets | 0.2618% | 5,444 |
Return on assets (ROA) | 0.2960% | 5,447 |
Pretax return on assets | 0.3484% | 5,462 |
Return on Equity (ROE) | 2.1862% | 5,686 |
Retained earnings to average equity (ytd only) | 2.1862% | 4,824 |
Net charge-offs to loans | 1.1267% | 1,494 |
Credit loss provision to net charge-offs | 107.5787% | 3,197 |
Earnings coverage of net charge-offs (x) | 1.4469% | 3,873 |
Efficiency ratio | 69.7709% | 4,354 |
Assets per employee ($millions) | 5.6850% | 1,507 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8547% | 2,560 |
Loan loss allowance to noncurrent loans | 67.6971% | 3,974 |
Noncurrent assets plus other real estate owned to assets | 2.0875% | 3,402 |
Noncurrent loans to loans | 2.7398% | 2,908 |
Net loans and leases to total assets | 72.0592% | 2,434 |
Net loans and leases to deposits | 88.0568% | 2,217 |
Net loans and leases to core deposits | 90.7593% | 3,264 |
Total domestic deposits to total assets | 81.8327% | 5,139 |
Equity capital to assets | 13.6596% | 1,263 |
Core capital (leverage) ratio | 9.8620% | 3,326 |
Tier 1 risk-based capital ratio | 11.7693% | 5,433 |
Total risk-based capital ratio | 13.0274% | 5,359 |
Memoranda: | ||
Average total assets | $2,999,964,000 | 252 |
Average earning assets | $2,663,312,000 | 250 |
Average equity | $406,190,500 | 209 |
Average total loans | $2,211,011,000 | 232 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2093% | 5,610 |
Cost of funding earning assets | 1.8371% | 3,796 |
Net interest margin | 3.3722% | 5,486 |
Noninterest income to average assets | 0.9611% | 1,699 |
Noninterest expense to average assets | 3.1046% | 3,723 |
Loan and lease loss provision to assets | 1.2666% | 1,823 |
Net operating income to assets | -0.1846% | 5,827 |
Return on assets (ROA) | -0.1880% | 5,825 |
Pretax return on assets | -0.3859% | 5,903 |
Return on Equity (ROE) | -1.4807% | 5,772 |
Retained earnings to average equity (ytd only) | -2.9322% | 5,688 |
Net charge-offs to loans | 1.2348% | 2,002 |
Credit loss provision to net charge-offs | 134.5579% | 3,691 |
Earnings coverage of net charge-offs (x) | 0.9413% | 5,170 |
Efficiency ratio | 76.3439% | 3,469 |
Assets per employee ($millions) | 5.5124% | 1,632 |
Cash dividends to net income (ytd only)* | -98.0217% | 7,897 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8009% | 2,543 |
Loan loss allowance to noncurrent loans | 66.0582% | 4,093 |
Noncurrent assets plus other real estate owned to assets | 2.1662% | 3,178 |
Noncurrent loans to loans | 2.7262% | 2,833 |
Net loans and leases to total assets | 72.6464% | 2,593 |
Net loans and leases to deposits | 88.7204% | 2,435 |
Net loans and leases to core deposits | 101.9273% | 3,805 |
Total domestic deposits to total assets | 81.8824% | 5,003 |
Equity capital to assets | 13.4213% | 1,356 |
Core capital (leverage) ratio | 9.6715% | 3,496 |
Tier 1 risk-based capital ratio | 11.5412% | 5,357 |
Total risk-based capital ratio | 12.7962% | 5,311 |
Memoranda: | ||
Average total assets | $2,984,377,200 | 250 |
Average earning assets | $2,681,174,400 | 248 |
Average equity | $378,930,000 | 220 |
Average total loans | $2,274,956,400 | 233 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2444% | 5,709 |
Cost of funding earning assets | 1.9036% | 3,866 |
Net interest margin | 3.3408% | 5,485 |
Noninterest income to average assets | 1.0065% | 1,581 |
Noninterest expense to average assets | 3.0484% | 3,848 |
Loan and lease loss provision to assets | 1.5364% | 1,238 |
Net operating income to assets | -0.3055% | 6,210 |
Return on assets (ROA) | -0.3042% | 6,218 |
Pretax return on assets | -0.5638% | 6,362 |
Return on Equity (ROE) | -2.4308% | 6,155 |
Retained earnings to average equity (ytd only) | -3.5046% | 6,033 |
Net charge-offs to loans | 1.3837% | 1,487 |
Credit loss provision to net charge-offs | 144.5793% | 3,369 |
Earnings coverage of net charge-offs (x) | 0.9133% | 5,144 |
Efficiency ratio | 74.3959% | 3,802 |
Assets per employee ($millions) | 5.4078% | 1,702 |
Cash dividends to net income (ytd only)* | -44.1761% | 7,919 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8090% | 2,249 |
Loan loss allowance to noncurrent loans | 65.8273% | 4,025 |
Noncurrent assets plus other real estate owned to assets | 2.2872% | 2,996 |
Noncurrent loans to loans | 2.7481% | 2,760 |
Net loans and leases to total assets | 75.1691% | 2,205 |
Net loans and leases to deposits | 91.3920% | 2,336 |
Net loans and leases to core deposits | 107.1757% | 3,572 |
Total domestic deposits to total assets | 82.2491% | 4,570 |
Equity capital to assets | 12.4559% | 1,981 |
Core capital (leverage) ratio | 9.6250% | 3,748 |
Tier 1 risk-based capital ratio | 11.2937% | 5,642 |
Total risk-based capital ratio | 12.5487% | 5,581 |
Memoranda: | ||
Average total assets | $2,976,648,750 | 258 |
Average earning assets | $2,684,032,750 | 259 |
Average equity | $372,489,500 | 229 |
Average total loans | $2,286,027,500 | 242 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3222% | 5,542 |
Cost of funding earning assets | 1.9473% | 4,022 |
Net interest margin | 3.3749% | 5,270 |
Noninterest income to average assets | 1.0991% | 1,315 |
Noninterest expense to average assets | 3.1935% | 3,355 |
Loan and lease loss provision to assets | 0.9560% | 1,768 |
Net operating income to assets | 0.0610% | 5,678 |
Return on assets (ROA) | 0.0615% | 5,765 |
Pretax return on assets | -0.0099% | 5,880 |
Return on Equity (ROE) | 0.4909% | 5,790 |
Retained earnings to average equity (ytd only) | -1.1151% | 5,512 |
Net charge-offs to loans | 0.8544% | 1,980 |
Credit loss provision to net charge-offs | 145.5418% | 3,179 |
Earnings coverage of net charge-offs (x) | 1.4390% | 4,451 |
Efficiency ratio | 75.7473% | 3,738 |
Assets per employee ($millions) | 5.4579% | 1,616 |
Cash dividends to net income (ytd only)* | 327.1538% | 116 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5235% | 3,073 |
Loan loss allowance to noncurrent loans | 46.2311% | 5,267 |
Noncurrent assets plus other real estate owned to assets | 2.6251% | 2,446 |
Noncurrent loans to loans | 3.2953% | 2,143 |
Net loans and leases to total assets | 74.3896% | 2,598 |
Net loans and leases to deposits | 91.0742% | 2,639 |
Net loans and leases to core deposits | 107.0244% | 3,718 |
Total domestic deposits to total assets | 81.6802% | 4,821 |
Equity capital to assets | 12.2819% | 2,037 |
Core capital (leverage) ratio | 9.8579% | 3,443 |
Tier 1 risk-based capital ratio | 11.3880% | 5,508 |
Total risk-based capital ratio | 12.6397% | 5,414 |
Memoranda: | ||
Average total assets | $2,981,037,670 | 266 |
Average earning assets | $2,684,881,330 | 266 |
Average equity | $373,609,670 | 231 |
Average total loans | $2,291,816,000 | 251 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.4386% | 5,236 |
Cost of funding earning assets | 1.9905% | 4,181 |
Net interest margin | 3.4481% | 4,946 |
Noninterest income to average assets | 1.0580% | 1,327 |
Noninterest expense to average assets | 3.1177% | 3,309 |
Loan and lease loss provision to assets | 1.0493% | 1,245 |
Net operating income to assets | 0.0521% | 6,121 |
Return on assets (ROA) | 0.0523% | 6,272 |
Pretax return on assets | -0.0085% | 6,384 |
Return on Equity (ROE) | 0.4128% | 6,303 |
Retained earnings to average equity (ytd only) | -2.7953% | 6,243 |
Net charge-offs to loans | 0.5055% | 2,197 |
Credit loss provision to net charge-offs | 267.6105% | 1,775 |
Earnings coverage of net charge-offs (x) | 2.6537% | 3,429 |
Efficiency ratio | 73.5502% | 3,908 |
Assets per employee ($millions) | 5.3039% | 1,739 |
Cash dividends to net income (ytd only)* | 777.2021% | 36 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5338% | 2,795 |
Loan loss allowance to noncurrent loans | 52.7779% | 5,028 |
Noncurrent assets plus other real estate owned to assets | 2.3904% | 2,394 |
Noncurrent loans to loans | 2.9062% | 2,250 |
Net loans and leases to total assets | 76.2018% | 2,226 |
Net loans and leases to deposits | 93.7959% | 2,303 |
Net loans and leases to core deposits | 110.4468% | 3,373 |
Total domestic deposits to total assets | 81.2422% | 4,873 |
Equity capital to assets | 12.5491% | 1,945 |
Core capital (leverage) ratio | 10.0999% | 3,288 |
Tier 1 risk-based capital ratio | 11.6825% | 5,223 |
Total risk-based capital ratio | 12.9347% | 5,141 |
Memoranda: | ||
Average total assets | $2,954,272,000 | 272 |
Average earning assets | $2,656,192,500 | 270 |
Average equity | $374,062,500 | 232 |
Average total loans | $2,291,561,000 | 253 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.7608% | 6,556 |
Cost of funding earning assets | 2.0573% | 6,207 |
Net interest margin | 3.7035% | 4,460 |
Noninterest income to average assets | 0.7987% | 2,522 |
Noninterest expense to average assets | 2.7949% | 4,838 |
Loan and lease loss provision to assets | 0.6919% | 2,115 |
Net operating income to assets | 0.4736% | 4,857 |
Return on assets (ROA) | 0.4668% | 4,699 |
Pretax return on assets | 0.6262% | 4,609 |
Return on Equity (ROE) | 3.8069% | 4,894 |
Retained earnings to average equity (ytd only) | 2.7211% | 3,487 |
Net charge-offs to loans | 0.8765% | 1,420 |
Credit loss provision to net charge-offs | 102.5809% | 5,195 |
Earnings coverage of net charge-offs (x) | 1.9677% | 5,082 |
Efficiency ratio | 66.5386% | 5,018 |
Assets per employee ($millions) | 5.0570% | 1,898 |
Cash dividends to net income (ytd only)* | 28.5205% | 4,168 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3359% | 3,554 |
Loan loss allowance to noncurrent loans | 69.6422% | 4,565 |
Noncurrent assets plus other real estate owned to assets | 1.6492% | 2,943 |
Noncurrent loans to loans | 1.9183% | 2,871 |
Net loans and leases to total assets | 76.7105% | 2,448 |
Net loans and leases to deposits | 95.4701% | 2,532 |
Net loans and leases to core deposits | 111.3493% | 3,631 |
Total domestic deposits to total assets | 80.3503% | 4,885 |
Equity capital to assets | 12.7761% | 1,880 |
Core capital (leverage) ratio | 10.1932% | 3,279 |
Tier 1 risk-based capital ratio | 12.0400% | 4,791 |
Total risk-based capital ratio | 13.2901% | 4,674 |
Memoranda: | ||
Average total assets | $3,004,543,400 | 255 |
Average earning assets | $2,696,098,000 | 256 |
Average equity | $368,411,600 | 236 |
Average total loans | $2,311,978,000 | 242 |