Home > The Bank of Whitewater > Performance and Condition Ratios
The Bank of Whitewater, Performance and Condition Ratios
2017-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1242% | 2,750 |
Cost of funding earning assets | 0.2112% | 4,881 |
Net interest margin | 3.9130% | 1,880 |
Noninterest income to average assets | 0.2781% | 4,561 |
Noninterest expense to average assets | 2.8196% | 2,680 |
Loan and lease loss provision to assets | 0.0000% | 3,871 |
Net operating income to assets | 1.1508% | 1,772 |
Return on assets (ROA) | 1.1508% | 1,824 |
Pretax return on assets | 1.1892% | 2,806 |
Return on Equity (ROE) | 12.6649% | 1,124 |
Retained earnings to average equity (ytd only) | -0.6332% | 5,175 |
Net charge-offs to loans | 0.2882% | 705 |
Credit loss provision to net charge-offs | 0.0000% | 2,905 |
Earnings coverage of net charge-offs (x) | 7.7500% | 2,576 |
Efficiency ratio | 70.3349% | 2,616 |
Assets per employee ($millions) | 2.9883% | 5,278 |
Cash dividends to net income (ytd only)* | 105.0000% | 426 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.3658% | 344 |
Loan loss allowance to noncurrent loans | 843.3333% | 655 |
Noncurrent assets plus other real estate owned to assets | 0.1434% | 4,603 |
Noncurrent loans to loans | 0.2805% | 4,033 |
Net loans and leases to total assets | 49.9139% | 4,716 |
Net loans and leases to deposits | 54.9064% | 4,917 |
Net loans and leases to core deposits | 54.9064% | 5,049 |
Total domestic deposits to total assets | 90.9074% | 244 |
Equity capital to assets | 9.0305% | 4,868 |
Core capital (leverage) ratio | 9.1054% | 4,611 |
Tier 1 risk-based capital ratio | 16.5513% | 2,299 |
Total risk-based capital ratio | 17.8130% | 2,248 |
Memoranda: | ||
Average total assets | $20,854,330 | 5,707 |
Average earning assets | $19,882,670 | 5,680 |
Average equity | $1,895,000 | 5,729 |
Average total loans | $11,104,330 | 5,626 |
2017-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1265% | 2,560 |
Cost of funding earning assets | 0.1812% | 5,144 |
Net interest margin | 3.9453% | 1,619 |
Noninterest income to average assets | 0.2497% | 4,749 |
Noninterest expense to average assets | 2.6702% | 3,251 |
Loan and lease loss provision to assets | 0.0000% | 3,537 |
Net operating income to assets | 1.3255% | 1,175 |
Return on assets (ROA) | 1.3255% | 1,209 |
Pretax return on assets | 1.3447% | 2,077 |
Return on Equity (ROE) | 14.5416% | 718 |
Retained earnings to average equity (ytd only) | 1.2645% | 4,577 |
Net charge-offs to loans | 0.4244% | 434 |
Credit loss provision to net charge-offs | 0.0000% | 2,277 |
Earnings coverage of net charge-offs (x) | 5.8333% | 2,254 |
Efficiency ratio | 66.5072% | 3,410 |
Assets per employee ($millions) | 3.5528% | 4,713 |
Cash dividends to net income (ytd only)* | 91.3043% | 810 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.2315% | 454 |
Loan loss allowance to noncurrent loans | 3,671.4286% | 213 |
Noncurrent assets plus other real estate owned to assets | 0.0328% | 5,183 |
Noncurrent loans to loans | 0.0608% | 4,958 |
Net loans and leases to total assets | 52.8217% | 4,443 |
Net loans and leases to deposits | 58.0323% | 4,694 |
Net loans and leases to core deposits | 58.0323% | 4,881 |
Total domestic deposits to total assets | 91.0213% | 297 |
Equity capital to assets | 8.9178% | 4,893 |
Core capital (leverage) ratio | 9.0176% | 4,717 |
Tier 1 risk-based capital ratio | 16.0625% | 2,523 |
Total risk-based capital ratio | 17.3215% | 2,471 |
Memoranda: | ||
Average total assets | $20,822,500 | 5,777 |
Average earning assets | $19,871,500 | 5,752 |
Average equity | $1,898,000 | 5,795 |
Average total loans | $11,309,500 | 5,685 |
2016-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2356% | 2,365 |
Cost of funding earning assets | 0.2048% | 4,970 |
Net interest margin | 4.0308% | 1,554 |
Noninterest income to average assets | 0.3140% | 4,493 |
Noninterest expense to average assets | 2.9112% | 2,635 |
Loan and lease loss provision to assets | 0.0143% | 4,096 |
Net operating income to assets | 1.1702% | 1,606 |
Return on assets (ROA) | 1.1702% | 1,701 |
Pretax return on assets | 1.2273% | 2,564 |
Return on Equity (ROE) | 12.9147% | 1,009 |
Retained earnings to average equity (ytd only) | 1.5225% | 4,655 |
Net charge-offs to loans | -0.0089% | 4,914 |
Credit loss provision to net charge-offs | -300.0000% | 5,075 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 70.1031% | 2,883 |
Assets per employee ($millions) | 3.3880% | 4,920 |
Cash dividends to net income (ytd only)* | 88.2114% | 640 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.4230% | 345 |
Loan loss allowance to noncurrent loans | 320.2381% | 1,549 |
Noncurrent assets plus other real estate owned to assets | 0.4132% | 3,620 |
Noncurrent loans to loans | 0.7566% | 2,643 |
Net loans and leases to total assets | 53.2910% | 4,502 |
Net loans and leases to deposits | 58.8238% | 4,745 |
Net loans and leases to core deposits | 58.8238% | 4,917 |
Total domestic deposits to total assets | 90.5943% | 421 |
Equity capital to assets | 9.3221% | 4,451 |
Core capital (leverage) ratio | 9.2642% | 4,386 |
Tier 1 risk-based capital ratio | 15.8538% | 2,607 |
Total risk-based capital ratio | 17.1087% | 2,533 |
Memoranda: | ||
Average total assets | $21,022,400 | 5,826 |
Average earning assets | $20,021,000 | 5,800 |
Average equity | $1,904,800 | 5,853 |
Average total loans | $11,276,600 | 5,742 |
2016-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2484% | 2,346 |
Cost of funding earning assets | 0.2048% | 5,018 |
Net interest margin | 4.0436% | 1,549 |
Noninterest income to average assets | 0.3145% | 4,516 |
Noninterest expense to average assets | 2.7048% | 3,334 |
Loan and lease loss provision to assets | 0.0189% | 3,868 |
Net operating income to assets | 1.3902% | 1,088 |
Return on assets (ROA) | 1.3902% | 1,144 |
Pretax return on assets | 1.4405% | 1,915 |
Return on Equity (ROE) | 15.4495% | 619 |
Retained earnings to average equity (ytd only) | 4.6837% | 3,031 |
Net charge-offs to loans | 0.0117% | 3,529 |
Credit loss provision to net charge-offs | 300.0000% | 1,026 |
Earnings coverage of net charge-offs (x) | 232.5789% | 338 |
Efficiency ratio | 64.9547% | 3,772 |
Assets per employee ($millions) | 3.4588% | 4,826 |
Cash dividends to net income (ytd only)* | 69.6837% | 1,048 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.3983% | 378 |
Loan loss allowance to noncurrent loans | 306.8966% | 1,582 |
Noncurrent assets plus other real estate owned to assets | 0.4192% | 3,748 |
Noncurrent loans to loans | 0.7815% | 2,726 |
Net loans and leases to total assets | 52.3587% | 4,628 |
Net loans and leases to deposits | 59.2572% | 4,803 |
Net loans and leases to core deposits | 59.2572% | 4,982 |
Total domestic deposits to total assets | 88.3583% | 1,205 |
Equity capital to assets | 9.3143% | 4,850 |
Core capital (leverage) ratio | 9.2986% | 4,461 |
Tier 1 risk-based capital ratio | 15.9990% | 2,625 |
Total risk-based capital ratio | 17.2571% | 2,564 |
Memoranda: | ||
Average total assets | $21,196,000 | 5,889 |
Average earning assets | $20,179,500 | 5,860 |
Average equity | $1,907,250 | 5,917 |
Average total loans | $11,320,250 | 5,803 |
2016-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2280% | 2,417 |
Cost of funding earning assets | 0.1971% | 5,177 |
Net interest margin | 4.0309% | 1,549 |
Noninterest income to average assets | 0.3186% | 4,498 |
Noninterest expense to average assets | 2.6800% | 3,451 |
Loan and lease loss provision to assets | 0.0281% | 3,561 |
Net operating income to assets | 1.4149% | 1,039 |
Return on assets (ROA) | 1.4149% | 1,087 |
Pretax return on assets | 1.4431% | 1,865 |
Return on Equity (ROE) | 15.9059% | 555 |
Retained earnings to average equity (ytd only) | 6.3202% | 1,952 |
Net charge-offs to loans | 0.0351% | 2,749 |
Credit loss provision to net charge-offs | 150.0000% | 1,584 |
Earnings coverage of net charge-offs (x) | 78.5000% | 712 |
Efficiency ratio | 64.5598% | 3,923 |
Assets per employee ($millions) | 3.4235% | 4,879 |
Cash dividends to net income (ytd only)* | 60.2649% | 1,513 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.4012% | 410 |
Loan loss allowance to noncurrent loans | 429.0323% | 1,206 |
Noncurrent assets plus other real estate owned to assets | 0.3018% | 4,291 |
Noncurrent loans to loans | 0.5597% | 3,389 |
Net loans and leases to total assets | 52.6362% | 4,621 |
Net loans and leases to deposits | 58.3581% | 4,883 |
Net loans and leases to core deposits | 58.3581% | 5,055 |
Total domestic deposits to total assets | 90.1952% | 414 |
Equity capital to assets | 9.3764% | 4,888 |
Core capital (leverage) ratio | 9.2312% | 4,543 |
Tier 1 risk-based capital ratio | 16.0956% | 2,593 |
Total risk-based capital ratio | 17.3575% | 2,532 |
Memoranda: | ||
Average total assets | $21,343,670 | 5,963 |
Average earning assets | $20,293,330 | 5,933 |
Average equity | $1,898,670 | 5,994 |
Average total loans | $11,382,670 | 5,878 |
2016-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2496% | 2,302 |
Cost of funding earning assets | 0.1940% | 5,256 |
Net interest margin | 4.0556% | 1,460 |
Noninterest income to average assets | 0.2759% | 4,751 |
Noninterest expense to average assets | 2.6857% | 3,475 |
Loan and lease loss provision to assets | 0.0552% | 2,841 |
Net operating income to assets | 1.3428% | 1,143 |
Return on assets (ROA) | 1.3428% | 1,222 |
Pretax return on assets | 1.3796% | 1,964 |
Return on Equity (ROE) | 15.4907% | 603 |
Retained earnings to average equity (ytd only) | 8.0637% | 1,430 |
Net charge-offs to loans | 0.1734% | 1,101 |
Credit loss provision to net charge-offs | 60.0000% | 1,981 |
Earnings coverage of net charge-offs (x) | 15.6000% | 1,654 |
Efficiency ratio | 65.1786% | 3,946 |
Assets per employee ($millions) | 3.4850% | 4,838 |
Cash dividends to net income (ytd only)* | 47.9452% | 1,824 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.3488% | 476 |
Loan loss allowance to noncurrent loans | 1,011.5385% | 579 |
Noncurrent assets plus other real estate owned to assets | 0.1243% | 5,074 |
Noncurrent loans to loans | 0.2322% | 4,600 |
Net loans and leases to total assets | 52.2908% | 4,606 |
Net loans and leases to deposits | 58.0978% | 4,846 |
Net loans and leases to core deposits | 58.0978% | 5,044 |
Total domestic deposits to total assets | 90.0048% | 595 |
Equity capital to assets | 9.1057% | 5,079 |
Core capital (leverage) ratio | 8.9302% | 4,937 |
Tier 1 risk-based capital ratio | 15.5454% | 2,892 |
Total risk-based capital ratio | 16.8027% | 2,821 |
Memoranda: | ||
Average total assets | $21,745,000 | 6,018 |
Average earning assets | $20,613,500 | 5,991 |
Average equity | $1,885,000 | 6,057 |
Average total loans | $11,535,000 | 5,930 |
2015-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1253% | 2,830 |
Cost of funding earning assets | 0.2082% | 5,215 |
Net interest margin | 3.9172% | 1,973 |
Noninterest income to average assets | 0.2945% | 4,777 |
Noninterest expense to average assets | 3.0126% | 2,498 |
Loan and lease loss provision to assets | 0.0544% | 3,230 |
Net operating income to assets | 0.9423% | 2,653 |
Return on assets (ROA) | 0.9423% | 2,724 |
Pretax return on assets | 0.9785% | 3,547 |
Return on Equity (ROE) | 11.3105% | 1,501 |
Retained earnings to average equity (ytd only) | 3.3170% | 3,689 |
Net charge-offs to loans | 0.2267% | 1,310 |
Credit loss provision to net charge-offs | 46.1538% | 3,456 |
Earnings coverage of net charge-offs (x) | 8.7692% | 2,903 |
Efficiency ratio | 74.4681% | 2,504 |
Assets per employee ($millions) | 4.5160% | 3,020 |
Cash dividends to net income (ytd only)* | 70.6731% | 1,213 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.2320% | 566 |
Loan loss allowance to noncurrent loans | 679.4872% | 840 |
Noncurrent assets plus other real estate owned to assets | 0.1727% | 4,912 |
Noncurrent loans to loans | 0.3285% | 4,284 |
Net loans and leases to total assets | 51.4083% | 4,745 |
Net loans and leases to deposits | 60.3389% | 4,749 |
Net loans and leases to core deposits | 60.3389% | 4,959 |
Total domestic deposits to total assets | 85.1993% | 3,001 |
Equity capital to assets | 8.2640% | 5,731 |
Core capital (leverage) ratio | 8.3854% | 5,538 |
Tier 1 risk-based capital ratio | 14.5000% | 3,447 |
Total risk-based capital ratio | 15.7588% | 3,349 |
Memoranda: | ||
Average total assets | $22,074,000 | 6,069 |
Average earning assets | $21,137,800 | 6,042 |
Average equity | $1,839,000 | 6,116 |
Average total loans | $11,468,800 | 5,982 |
2015-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0989% | 2,941 |
Cost of funding earning assets | 0.2084% | 5,305 |
Net interest margin | 3.8904% | 2,064 |
Noninterest income to average assets | 0.2916% | 4,858 |
Noninterest expense to average assets | 2.9403% | 2,706 |
Loan and lease loss provision to assets | 0.0729% | 2,712 |
Net operating income to assets | 1.0023% | 2,455 |
Return on assets (ROA) | 1.0023% | 2,552 |
Pretax return on assets | 1.0206% | 3,537 |
Return on Equity (ROE) | 12.0065% | 1,373 |
Retained earnings to average equity (ytd only) | 3.8565% | 3,726 |
Net charge-offs to loans | 0.2228% | 1,169 |
Credit loss provision to net charge-offs | 63.1579% | 2,874 |
Earnings coverage of net charge-offs (x) | 9.4745% | 2,694 |
Efficiency ratio | 72.8916% | 2,738 |
Assets per employee ($millions) | 3.7498% | 4,358 |
Cash dividends to net income (ytd only)* | 67.8804% | 1,106 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.3538% | 538 |
Loan loss allowance to noncurrent loans | 1,046.1538% | 552 |
Noncurrent assets plus other real estate owned to assets | 0.1156% | 5,286 |
Noncurrent loans to loans | 0.2250% | 4,757 |
Net loans and leases to total assets | 50.1533% | 4,920 |
Net loans and leases to deposits | 57.9142% | 5,009 |
Net loans and leases to core deposits | 57.9142% | 5,194 |
Total domestic deposits to total assets | 86.5994% | 2,237 |
Equity capital to assets | 8.2581% | 5,847 |
Core capital (leverage) ratio | 8.2100% | 5,766 |
Tier 1 risk-based capital ratio | 14.3320% | 3,663 |
Total risk-based capital ratio | 15.5893% | 3,578 |
Memoranda: | ||
Average total assets | $21,947,500 | 6,155 |
Average earning assets | $21,111,000 | 6,123 |
Average equity | $1,832,250 | 6,203 |
Average total loans | $11,367,750 | 6,063 |
2015-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1181% | 2,833 |
Cost of funding earning assets | 0.2107% | 5,345 |
Net interest margin | 3.9074% | 1,950 |
Noninterest income to average assets | 0.2941% | 4,859 |
Noninterest expense to average assets | 2.8580% | 3,039 |
Loan and lease loss provision to assets | 0.1103% | 1,991 |
Net operating income to assets | 1.0660% | 2,077 |
Return on assets (ROA) | 1.0660% | 2,185 |
Pretax return on assets | 1.0752% | 3,276 |
Return on Equity (ROE) | 12.7216% | 1,175 |
Retained earnings to average equity (ytd only) | 3.5094% | 3,797 |
Net charge-offs to loans | 0.1061% | 1,940 |
Credit loss provision to net charge-offs | 200.0000% | 1,223 |
Earnings coverage of net charge-offs (x) | 21.5000% | 1,672 |
Efficiency ratio | 70.6818% | 3,221 |
Assets per employee ($millions) | 3.7345% | 4,355 |
Cash dividends to net income (ytd only)* | 72.4138% | 1,127 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.6176% | 420 |
Loan loss allowance to noncurrent loans | 419.1176% | 1,211 |
Noncurrent assets plus other real estate owned to assets | 0.3035% | 4,669 |
Noncurrent loans to loans | 0.6245% | 3,598 |
Net loans and leases to total assets | 47.3200% | 5,161 |
Net loans and leases to deposits | 51.5861% | 5,409 |
Net loans and leases to core deposits | 52.2212% | 5,525 |
Total domestic deposits to total assets | 91.7303% | 157 |
Equity capital to assets | 8.1983% | 5,879 |
Core capital (leverage) ratio | 8.6030% | 5,438 |
Tier 1 risk-based capital ratio | 15.2537% | 3,223 |
Total risk-based capital ratio | 16.5158% | 3,154 |
Memoranda: | ||
Average total assets | $21,763,670 | 6,231 |
Average earning assets | $20,883,330 | 6,196 |
Average equity | $1,823,670 | 6,276 |
Average total loans | $11,305,000 | 6,135 |
2015-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1897% | 2,501 |
Cost of funding earning assets | 0.2144% | 5,370 |
Net interest margin | 3.9753% | 1,640 |
Noninterest income to average assets | 0.2612% | 5,091 |
Noninterest expense to average assets | 2.7982% | 3,257 |
Loan and lease loss provision to assets | 0.1679% | 1,192 |
Net operating income to assets | 1.1006% | 1,869 |
Return on assets (ROA) | 1.1006% | 1,975 |
Pretax return on assets | 1.1006% | 3,076 |
Return on Equity (ROE) | 12.9884% | 1,091 |
Retained earnings to average equity (ytd only) | 5.2834% | 2,900 |
Net charge-offs to loans | 0.0000% | 3,288 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 68.8073% | 3,695 |
Assets per employee ($millions) | 3.5497% | 4,812 |
Cash dividends to net income (ytd only)* | 59.3220% | 1,448 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.5144% | 521 |
Loan loss allowance to noncurrent loans | 320.0000% | 1,495 |
Noncurrent assets plus other real estate owned to assets | 0.4226% | 4,343 |
Noncurrent loans to loans | 0.7858% | 3,293 |
Net loans and leases to total assets | 52.4275% | 4,621 |
Net loans and leases to deposits | 57.3822% | 4,957 |
Net loans and leases to core deposits | 58.1290% | 5,116 |
Total domestic deposits to total assets | 91.3654% | 260 |
Equity capital to assets | 8.5877% | 5,673 |
Core capital (leverage) ratio | 8.5304% | 5,495 |
Tier 1 risk-based capital ratio | 15.7144% | 3,054 |
Total risk-based capital ratio | 16.9774% | 2,982 |
Memoranda: | ||
Average total assets | $21,442,000 | 6,303 |
Average earning assets | $20,526,500 | 6,274 |
Average equity | $1,817,000 | 6,340 |
Average total loans | $11,513,500 | 6,193 |
2014-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3182% | 2,536 |
Cost of funding earning assets | 0.2424% | 5,402 |
Net interest margin | 4.0758% | 1,661 |
Noninterest income to average assets | 0.3268% | 4,777 |
Noninterest expense to average assets | 3.0024% | 2,836 |
Loan and lease loss provision to assets | 0.2747% | 784 |
Net operating income to assets | 0.9187% | 2,784 |
Return on assets (ROA) | 0.9187% | 2,883 |
Pretax return on assets | 0.9519% | 3,682 |
Return on Equity (ROE) | 10.8550% | 1,764 |
Retained earnings to average equity (ytd only) | 2.2381% | 4,653 |
Net charge-offs to loans | 1.3486% | 187 |
Credit loss provision to net charge-offs | 37.4194% | 3,725 |
Earnings coverage of net charge-offs (x) | 1.6710% | 4,363 |
Efficiency ratio | 70.9966% | 3,377 |
Assets per employee ($millions) | 4.3172% | 3,335 |
Cash dividends to net income (ytd only)* | 79.3814% | 921 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.4108% | 616 |
Loan loss allowance to noncurrent loans | 310.0000% | 1,586 |
Noncurrent assets plus other real estate owned to assets | 0.4169% | 4,433 |
Noncurrent loans to loans | 0.7777% | 3,369 |
Net loans and leases to total assets | 52.3209% | 4,758 |
Net loans and leases to deposits | 57.1270% | 5,119 |
Net loans and leases to core deposits | 57.8586% | 5,267 |
Total domestic deposits to total assets | 91.5871% | 209 |
Equity capital to assets | 8.3619% | 5,854 |
Core capital (leverage) ratio | 8.6393% | 5,396 |
Tier 1 risk-based capital ratio | 15.3018% | 3,313 |
Total risk-based capital ratio | 16.5649% | 3,260 |
Memoranda: | ||
Average total assets | $21,116,400 | 6,392 |
Average earning assets | $20,216,800 | 6,365 |
Average equity | $1,787,200 | 6,426 |
Average total loans | $11,493,000 | 6,266 |
2014-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3524% | 2,411 |
Cost of funding earning assets | 0.2518% | 5,385 |
Net interest margin | 4.1007% | 1,572 |
Noninterest income to average assets | 0.3429% | 4,698 |
Noninterest expense to average assets | 2.9143% | 3,072 |
Loan and lease loss provision to assets | 0.3175% | 590 |
Net operating income to assets | 1.0095% | 2,413 |
Return on assets (ROA) | 1.0095% | 2,473 |
Pretax return on assets | 1.0413% | 3,420 |
Return on Equity (ROE) | 11.8912% | 1,504 |
Retained earnings to average equity (ytd only) | 4.5621% | 3,398 |
Net charge-offs to loans | 0.8251% | 404 |
Credit loss provision to net charge-offs | 70.4225% | 2,763 |
Earnings coverage of net charge-offs (x) | 3.0143% | 3,763 |
Efficiency ratio | 68.2021% | 3,823 |
Assets per employee ($millions) | 4.0274% | 3,820 |
Cash dividends to net income (ytd only)* | 61.6350% | 1,317 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.0923% | 323 |
Loan loss allowance to noncurrent loans | 192.9348% | 2,213 |
Noncurrent assets plus other real estate owned to assets | 0.9137% | 3,158 |
Noncurrent loans to loans | 1.6028% | 2,029 |
Net loans and leases to total assets | 55.2466% | 4,431 |
Net loans and leases to deposits | 60.7757% | 4,869 |
Net loans and leases to core deposits | 61.6173% | 5,067 |
Total domestic deposits to total assets | 90.9023% | 390 |
Equity capital to assets | 9.0679% | 5,281 |
Core capital (leverage) ratio | 8.6795% | 5,466 |
Tier 1 risk-based capital ratio | 15.9004% | 3,106 |
Total risk-based capital ratio | 17.1717% | 3,040 |
Memoranda: | ||
Average total assets | $20,999,000 | 6,472 |
Average earning assets | $20,126,250 | 6,443 |
Average equity | $1,782,750 | 6,505 |
Average total loans | $11,473,000 | 6,338 |
2014-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2804% | 2,659 |
Cost of funding earning assets | 0.2553% | 5,432 |
Net interest margin | 4.0251% | 1,746 |
Noninterest income to average assets | 0.3476% | 4,649 |
Noninterest expense to average assets | 2.8375% | 3,382 |
Loan and lease loss provision to assets | 0.4698% | 329 |
Net operating income to assets | 0.8738% | 2,945 |
Return on assets (ROA) | 0.8738% | 3,032 |
Pretax return on assets | 0.8926% | 3,915 |
Return on Equity (ROE) | 10.5184% | 1,931 |
Retained earnings to average equity (ytd only) | -0.5655% | 5,786 |
Net charge-offs to loans | 1.2031% | 259 |
Credit loss provision to net charge-offs | 72.4638% | 2,425 |
Earnings coverage of net charge-offs (x) | 2.1014% | 3,639 |
Efficiency ratio | 67.5615% | 4,096 |
Assets per employee ($millions) | 4.3962% | 3,091 |
Cash dividends to net income (ytd only)* | 105.3763% | 468 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.0976% | 342 |
Loan loss allowance to noncurrent loans | 143.3735% | 2,818 |
Noncurrent assets plus other real estate owned to assets | 1.1328% | 2,810 |
Noncurrent loans to loans | 2.1605% | 1,532 |
Net loans and leases to total assets | 50.8075% | 4,876 |
Net loans and leases to deposits | 55.2543% | 5,259 |
Net loans and leases to core deposits | 55.9463% | 5,419 |
Total domestic deposits to total assets | 91.9521% | 177 |
Equity capital to assets | 8.0069% | 6,155 |
Core capital (leverage) ratio | 8.3798% | 5,761 |
Tier 1 risk-based capital ratio | 15.0183% | 3,629 |
Total risk-based capital ratio | 16.2898% | 3,559 |
Memoranda: | ||
Average total assets | $21,286,330 | 6,534 |
Average earning assets | $20,372,000 | 6,503 |
Average equity | $1,768,330 | 6,570 |
Average total loans | $11,470,670 | 6,394 |
2014-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3231% | 2,434 |
Cost of funding earning assets | 0.2602% | 5,487 |
Net interest margin | 4.0629% | 1,564 |
Noninterest income to average assets | 0.3821% | 4,332 |
Noninterest expense to average assets | 2.9037% | 3,201 |
Loan and lease loss provision to assets | 0.0000% | 3,817 |
Net operating income to assets | 1.3754% | 1,047 |
Return on assets (ROA) | 1.3754% | 1,087 |
Pretax return on assets | 1.3563% | 1,894 |
Return on Equity (ROE) | 16.2482% | 618 |
Retained earnings to average equity (ytd only) | 3.6107% | 3,963 |
Net charge-offs to loans | 0.0699% | 2,449 |
Credit loss provision to net charge-offs | 0.0000% | 2,688 |
Earnings coverage of net charge-offs (x) | 35.5000% | 945 |
Efficiency ratio | 68.1614% | 4,156 |
Assets per employee ($millions) | 4.2372% | 3,459 |
Cash dividends to net income (ytd only)* | 77.7778% | 1,014 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.2147% | 353 |
Loan loss allowance to noncurrent loans | 425.0000% | 1,095 |
Noncurrent assets plus other real estate owned to assets | 0.4154% | 4,895 |
Noncurrent loans to loans | 0.7564% | 3,974 |
Net loans and leases to total assets | 53.1483% | 4,533 |
Net loans and leases to deposits | 58.0353% | 4,938 |
Net loans and leases to core deposits | 59.5673% | 5,077 |
Total domestic deposits to total assets | 91.5793% | 358 |
Equity capital to assets | 8.4018% | 5,744 |
Core capital (leverage) ratio | 8.3588% | 5,793 |
Tier 1 risk-based capital ratio | 14.4398% | 4,035 |
Total risk-based capital ratio | 15.7135% | 3,984 |
Memoranda: | ||
Average total assets | $20,939,000 | 6,608 |
Average earning assets | $19,985,500 | 6,579 |
Average equity | $1,772,500 | 6,631 |
Average total loans | $11,443,500 | 6,465 |
2013-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4230% | 2,499 |
Cost of funding earning assets | 0.3102% | 5,518 |
Net interest margin | 4.1128% | 1,609 |
Noninterest income to average assets | 0.3695% | 4,665 |
Noninterest expense to average assets | 2.9799% | 3,111 |
Loan and lease loss provision to assets | 0.0720% | 3,672 |
Net operating income to assets | 1.1708% | 1,684 |
Return on assets (ROA) | 1.1708% | 1,738 |
Pretax return on assets | 1.2620% | 2,307 |
Return on Equity (ROE) | 13.9460% | 957 |
Retained earnings to average equity (ytd only) | 3.5437% | 3,698 |
Net charge-offs to loans | 0.3317% | 2,017 |
Credit loss provision to net charge-offs | 39.4737% | 4,058 |
Earnings coverage of net charge-offs (x) | 7.3158% | 2,869 |
Efficiency ratio | 69.0768% | 3,998 |
Assets per employee ($millions) | 4.1384% | 3,554 |
Cash dividends to net income (ytd only)* | 74.5902% | 1,124 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.3413% | 331 |
Loan loss allowance to noncurrent loans | 427.2727% | 1,097 |
Noncurrent assets plus other real estate owned to assets | 0.4253% | 4,977 |
Noncurrent loans to loans | 0.7820% | 4,018 |
Net loans and leases to total assets | 52.5662% | 4,780 |
Net loans and leases to deposits | 57.4955% | 5,166 |
Net loans and leases to core deposits | 61.8609% | 5,074 |
Total domestic deposits to total assets | 91.4266% | 427 |
Equity capital to assets | 8.5299% | 5,550 |
Core capital (leverage) ratio | 8.3337% | 5,840 |
Tier 1 risk-based capital ratio | 15.9397% | 3,124 |
Total risk-based capital ratio | 17.2130% | 3,071 |
Memoranda: | ||
Average total assets | $20,839,600 | 6,689 |
Average earning assets | $19,986,600 | 6,658 |
Average equity | $1,749,600 | 6,726 |
Average total loans | $11,457,400 | 6,541 |
2013-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4125% | 2,555 |
Cost of funding earning assets | 0.3128% | 5,613 |
Net interest margin | 4.0996% | 1,635 |
Noninterest income to average assets | 0.3896% | 4,608 |
Noninterest expense to average assets | 2.8037% | 3,650 |
Loan and lease loss provision to assets | 0.0958% | 3,161 |
Net operating income to assets | 1.3284% | 1,271 |
Return on assets (ROA) | 1.3284% | 1,329 |
Pretax return on assets | 1.4242% | 1,853 |
Return on Equity (ROE) | 15.8860% | 663 |
Retained earnings to average equity (ytd only) | 6.2626% | 2,256 |
Net charge-offs to loans | 0.2433% | 2,353 |
Credit loss provision to net charge-offs | 71.4286% | 3,043 |
Earnings coverage of net charge-offs (x) | 11.3332% | 2,255 |
Efficiency ratio | 64.8449% | 4,671 |
Assets per employee ($millions) | 4.2258% | 3,372 |
Cash dividends to net income (ytd only)* | 60.5777% | 1,432 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.4828% | 342 |
Loan loss allowance to noncurrent loans | 614.0625% | 745 |
Noncurrent assets plus other real estate owned to assets | 0.3029% | 5,510 |
Noncurrent loans to loans | 0.5672% | 4,791 |
Net loans and leases to total assets | 51.5453% | 4,937 |
Net loans and leases to deposits | 56.3192% | 5,344 |
Net loans and leases to core deposits | 60.4888% | 5,260 |
Total domestic deposits to total assets | 91.5235% | 363 |
Equity capital to assets | 8.4434% | 5,797 |
Core capital (leverage) ratio | 8.6367% | 5,614 |
Tier 1 risk-based capital ratio | 15.7695% | 3,318 |
Total risk-based capital ratio | 17.0423% | 3,260 |
Memoranda: | ||
Average total assets | $20,876,500 | 6,762 |
Average earning assets | $20,033,750 | 6,731 |
Average equity | $1,745,750 | 6,806 |
Average total loans | $11,508,500 | 6,610 |
2013-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3783% | 2,646 |
Cost of funding earning assets | 0.3099% | 5,750 |
Net interest margin | 4.0684% | 1,638 |
Noninterest income to average assets | 0.4232% | 4,354 |
Noninterest expense to average assets | 2.8280% | 3,580 |
Loan and lease loss provision to assets | 0.1443% | 2,532 |
Net operating income to assets | 1.2505% | 1,455 |
Return on assets (ROA) | 1.2505% | 1,549 |
Pretax return on assets | 1.3659% | 2,059 |
Return on Equity (ROE) | 15.0029% | 811 |
Retained earnings to average equity (ytd only) | 6.9244% | 1,917 |
Net charge-offs to loans | 0.3626% | 1,752 |
Credit loss provision to net charge-offs | 71.4286% | 2,789 |
Earnings coverage of net charge-offs (x) | 7.4762% | 2,542 |
Efficiency ratio | 65.1885% | 4,680 |
Assets per employee ($millions) | 4.1164% | 3,546 |
Cash dividends to net income (ytd only)* | 53.8462% | 1,708 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.4516% | 385 |
Loan loss allowance to noncurrent loans | 314.4000% | 1,343 |
Noncurrent assets plus other real estate owned to assets | 0.7239% | 4,412 |
Noncurrent loans to loans | 1.0978% | 3,736 |
Net loans and leases to total assets | 53.4107% | 4,668 |
Net loans and leases to deposits | 58.4423% | 5,123 |
Net loans and leases to core deposits | 61.6580% | 5,127 |
Total domestic deposits to total assets | 91.3905% | 411 |
Equity capital to assets | 8.5609% | 5,704 |
Core capital (leverage) ratio | 8.6233% | 5,527 |
Tier 1 risk-based capital ratio | 14.8080% | 3,904 |
Total risk-based capital ratio | 16.0854% | 3,848 |
Memoranda: | ||
Average total assets | $20,792,330 | 6,811 |
Average earning assets | $20,007,670 | 6,779 |
Average equity | $1,733,000 | 6,853 |
Average total loans | $11,583,330 | 6,646 |
2013-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2544% | 3,079 |
Cost of funding earning assets | 0.3181% | 5,822 |
Net interest margin | 3.9363% | 1,994 |
Noninterest income to average assets | 0.4020% | 4,438 |
Noninterest expense to average assets | 2.8520% | 3,534 |
Loan and lease loss provision to assets | 0.1531% | 2,333 |
Net operating income to assets | 1.0145% | 2,165 |
Return on assets (ROA) | 1.0145% | 2,282 |
Pretax return on assets | 1.1867% | 2,627 |
Return on Equity (ROE) | 12.3363% | 1,332 |
Retained earnings to average equity (ytd only) | 7.4484% | 1,963 |
Net charge-offs to loans | 0.8560% | 706 |
Credit loss provision to net charge-offs | 32.0000% | 2,861 |
Earnings coverage of net charge-offs (x) | 2.8000% | 2,935 |
Efficiency ratio | 68.0365% | 4,301 |
Assets per employee ($millions) | 4.1874% | 3,562 |
Cash dividends to net income (ytd only)* | 39.6226% | 1,864 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.2652% | 509 |
Loan loss allowance to noncurrent loans | 587.6923% | 750 |
Noncurrent assets plus other real estate owned to assets | 0.4251% | 5,333 |
Noncurrent loans to loans | 0.5556% | 5,050 |
Net loans and leases to total assets | 54.0526% | 4,411 |
Net loans and leases to deposits | 58.9704% | 4,910 |
Net loans and leases to core deposits | 62.1403% | 4,942 |
Total domestic deposits to total assets | 91.6607% | 316 |
Equity capital to assets | 8.2868% | 6,196 |
Core capital (leverage) ratio | 8.3237% | 5,796 |
Tier 1 risk-based capital ratio | 14.1841% | 4,377 |
Total risk-based capital ratio | 15.4595% | 4,321 |
Memoranda: | ||
Average total assets | $20,897,500 | 6,886 |
Average earning assets | $20,120,500 | 6,847 |
Average equity | $1,718,500 | 6,924 |
Average total loans | $11,682,000 | 6,713 |
2012-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6918% | 2,632 |
Cost of funding earning assets | 0.3975% | 5,938 |
Net interest margin | 4.2942% | 1,411 |
Noninterest income to average assets | 0.5442% | 3,622 |
Noninterest expense to average assets | 2.9406% | 3,500 |
Loan and lease loss provision to assets | 0.3794% | 1,724 |
Net operating income to assets | 1.3330% | 1,228 |
Return on assets (ROA) | 1.3330% | 1,357 |
Pretax return on assets | 1.3230% | 2,310 |
Return on Equity (ROE) | 16.2034% | 630 |
Retained earnings to average equity (ytd only) | 9.4065% | 719 |
Net charge-offs to loans | 0.3282% | 3,000 |
Credit loss provision to net charge-offs | 211.1111% | 1,205 |
Earnings coverage of net charge-offs (x) | 9.4722% | 2,263 |
Efficiency ratio | 63.3333% | 5,008 |
Assets per employee ($millions) | 4.1716% | 3,608 |
Cash dividends to net income (ytd only)* | 41.9476% | 2,753 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.4205% | 461 |
Loan loss allowance to noncurrent loans | 346.9565% | 1,138 |
Noncurrent assets plus other real estate owned to assets | 0.5513% | 5,101 |
Noncurrent loans to loans | 0.9859% | 4,221 |
Net loans and leases to total assets | 54.0128% | 4,618 |
Net loans and leases to deposits | 61.2349% | 4,879 |
Net loans and leases to core deposits | 65.6106% | 4,779 |
Total domestic deposits to total assets | 88.2060% | 2,090 |
Equity capital to assets | 8.1599% | 6,313 |
Core capital (leverage) ratio | 8.1945% | 6,003 |
Tier 1 risk-based capital ratio | 13.9910% | 4,391 |
Total risk-based capital ratio | 15.2651% | 4,336 |
Memoranda: | ||
Average total assets | $20,030,200 | 6,956 |
Average earning assets | $19,118,600 | 6,922 |
Average equity | $1,647,800 | 7,008 |
Average total loans | $10,968,600 | 6,810 |
2012-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7212% | 2,708 |
Cost of funding earning assets | 0.4163% | 6,012 |
Net interest margin | 4.3048% | 1,445 |
Noninterest income to average assets | 0.5784% | 3,419 |
Noninterest expense to average assets | 2.7442% | 4,197 |
Loan and lease loss provision to assets | 0.3699% | 1,755 |
Net operating income to assets | 1.5873% | 870 |
Return on assets (ROA) | 1.5873% | 969 |
Pretax return on assets | 1.5671% | 1,682 |
Return on Equity (ROE) | 19.2541% | 380 |
Retained earnings to average equity (ytd only) | 12.9717% | 402 |
Net charge-offs to loans | -0.0618% | 6,761 |
Credit loss provision to net charge-offs | -1,100.0000% | 6,551 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 58.6207% | 5,707 |
Assets per employee ($millions) | 4.1710% | 3,537 |
Cash dividends to net income (ytd only)* | 32.6257% | 2,496 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.9238% | 328 |
Loan loss allowance to noncurrent loans | 464.4444% | 825 |
Noncurrent assets plus other real estate owned to assets | 0.4316% | 5,600 |
Noncurrent loans to loans | 0.8448% | 4,723 |
Net loans and leases to total assets | 49.0770% | 5,426 |
Net loans and leases to deposits | 53.4828% | 5,849 |
Net loans and leases to core deposits | 56.3539% | 5,869 |
Total domestic deposits to total assets | 91.7622% | 240 |
Equity capital to assets | 8.1803% | 6,497 |
Core capital (leverage) ratio | 8.3903% | 5,909 |
Tier 1 risk-based capital ratio | 16.4402% | 3,037 |
Total risk-based capital ratio | 17.7412% | 2,972 |
Memoranda: | ||
Average total assets | $19,823,250 | 7,049 |
Average earning assets | $18,893,000 | 7,017 |
Average equity | $1,634,250 | 7,102 |
Average total loans | $10,794,500 | 6,910 |
2012-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7500% | 2,717 |
Cost of funding earning assets | 0.4289% | 6,106 |
Net interest margin | 4.3211% | 1,424 |
Noninterest income to average assets | 0.5852% | 3,353 |
Noninterest expense to average assets | 2.7619% | 4,169 |
Loan and lease loss provision to assets | 0.5647% | 1,081 |
Net operating income to assets | 1.4477% | 1,092 |
Return on assets (ROA) | 1.4477% | 1,223 |
Pretax return on assets | 1.3964% | 2,209 |
Return on Equity (ROE) | 17.5119% | 567 |
Retained earnings to average equity (ytd only) | 14.9038% | 287 |
Net charge-offs to loans | -0.0369% | 6,584 |
Credit loss provision to net charge-offs | -2,750.0000% | 6,517 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 58.4783% | 5,807 |
Assets per employee ($millions) | 3.9174% | 4,040 |
Cash dividends to net income (ytd only)* | 14.8936% | 3,156 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.9394% | 360 |
Loan loss allowance to noncurrent loans | 660.3175% | 585 |
Noncurrent assets plus other real estate owned to assets | 0.3216% | 5,956 |
Noncurrent loans to loans | 0.5966% | 5,320 |
Net loans and leases to total assets | 51.7895% | 5,126 |
Net loans and leases to deposits | 56.6736% | 5,582 |
Net loans and leases to core deposits | 59.9315% | 5,597 |
Total domestic deposits to total assets | 91.3820% | 332 |
Equity capital to assets | 8.5159% | 6,197 |
Core capital (leverage) ratio | 8.5163% | 5,632 |
Tier 1 risk-based capital ratio | 15.4516% | 3,475 |
Total risk-based capital ratio | 16.7207% | 3,424 |
Memoranda: | ||
Average total assets | $19,479,330 | 7,115 |
Average earning assets | $18,652,670 | 7,080 |
Average equity | $1,610,330 | 7,160 |
Average total loans | $10,841,670 | 6,970 |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7662% | 2,780 |
Cost of funding earning assets | 0.4509% | 6,138 |
Net interest margin | 4.3154% | 1,420 |
Noninterest income to average assets | 0.6177% | 3,117 |
Noninterest expense to average assets | 2.8828% | 3,693 |
Loan and lease loss provision to assets | 0.6177% | 910 |
Net operating income to assets | 1.3796% | 1,258 |
Return on assets (ROA) | 1.3796% | 1,407 |
Pretax return on assets | 1.2561% | 2,706 |
Return on Equity (ROE) | 16.9459% | 681 |
Retained earnings to average equity (ytd only) | 16.9459% | 311 |
Net charge-offs to loans | -0.0364% | 6,415 |
Credit loss provision to net charge-offs | -3,000.0000% | 6,121 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 60.6061% | 5,528 |
Assets per employee ($millions) | 4.0038% | 4,006 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.5704% | 514 |
Loan loss allowance to noncurrent loans | 2,166.6667% | 210 |
Noncurrent assets plus other real estate owned to assets | 0.0899% | 6,659 |
Noncurrent loans to loans | 0.1648% | 6,352 |
Net loans and leases to total assets | 52.6150% | 4,932 |
Net loans and leases to deposits | 57.3943% | 5,451 |
Net loans and leases to core deposits | 60.6007% | 5,477 |
Total domestic deposits to total assets | 91.6729% | 332 |
Equity capital to assets | 8.0673% | 6,471 |
Core capital (leverage) ratio | 8.1115% | 6,147 |
Tier 1 risk-based capital ratio | 14.4713% | 4,133 |
Total risk-based capital ratio | 15.7616% | 4,057 |
Memoranda: | ||
Average total assets | $19,425,500 | 7,178 |
Average earning assets | $18,631,000 | 7,138 |
Average equity | $1,581,500 | 7,222 |
Average total loans | $10,982,500 | 7,024 |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.4131% | 1,384 |
Cost of funding earning assets | 0.5305% | 6,418 |
Net interest margin | 4.8826% | 528 |
Noninterest income to average assets | 0.4658% | 4,089 |
Noninterest expense to average assets | 3.3759% | 2,301 |
Loan and lease loss provision to assets | 1.3515% | 589 |
Net operating income to assets | 0.3508% | 5,061 |
Return on assets (ROA) | 0.3508% | 5,226 |
Pretax return on assets | 0.3968% | 5,305 |
Return on Equity (ROE) | 3.9812% | 4,857 |
Retained earnings to average equity (ytd only) | 1.4358% | 5,181 |
Net charge-offs to loans | 1.2845% | 1,288 |
Credit loss provision to net charge-offs | 165.4930% | 1,641 |
Earnings coverage of net charge-offs (x) | 2.1408% | 4,183 |
Efficiency ratio | 65.8810% | 4,796 |
Assets per employee ($millions) | 3.7664% | 4,397 |
Cash dividends to net income (ytd only)* | 63.9344% | 1,392 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.2512% | 647 |
Loan loss allowance to noncurrent loans | 763.8298% | 492 |
Noncurrent assets plus other real estate owned to assets | 0.2496% | 6,344 |
Noncurrent loans to loans | 0.4256% | 5,857 |
Net loans and leases to total assets | 56.7279% | 4,589 |
Net loans and leases to deposits | 61.8372% | 5,268 |
Net loans and leases to core deposits | 64.8516% | 5,377 |
Total domestic deposits to total assets | 91.7375% | 274 |
Equity capital to assets | 8.2201% | 6,419 |
Core capital (leverage) ratio | 8.5866% | 5,423 |
Tier 1 risk-based capital ratio | 14.0984% | 4,253 |
Total risk-based capital ratio | 15.3734% | 4,189 |
Memoranda: | ||
Average total assets | $17,388,000 | 7,253 |
Average earning assets | $16,589,400 | 7,222 |
Average equity | $1,532,200 | 7,290 |
Average total loans | $11,054,800 | 7,077 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.5229% | 1,199 |
Cost of funding earning assets | 0.5663% | 6,441 |
Net interest margin | 4.9567% | 455 |
Noninterest income to average assets | 0.3916% | 4,729 |
Noninterest expense to average assets | 3.5238% | 1,876 |
Loan and lease loss provision to assets | 1.1746% | 674 |
Net operating income to assets | 0.3759% | 5,099 |
Return on assets (ROA) | 0.3759% | 5,285 |
Pretax return on assets | 0.4229% | 5,396 |
Return on Equity (ROE) | 4.1878% | 4,919 |
Retained earnings to average equity (ytd only) | 0.7852% | 5,698 |
Net charge-offs to loans | 0.8199% | 1,928 |
Credit loss provision to net charge-offs | 220.5882% | 1,293 |
Earnings coverage of net charge-offs (x) | 3.0001% | 3,636 |
Efficiency ratio | 68.8073% | 4,156 |
Assets per employee ($millions) | 3.4036% | 5,240 |
Cash dividends to net income (ytd only)* | 81.2500% | 584 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.1819% | 738 |
Loan loss allowance to noncurrent loans | 429.6296% | 744 |
Noncurrent assets plus other real estate owned to assets | 0.4760% | 5,889 |
Noncurrent loans to loans | 0.7406% | 5,396 |
Net loans and leases to total assets | 62.2224% | 3,668 |
Net loans and leases to deposits | 68.4707% | 4,531 |
Net loans and leases to core deposits | 72.2158% | 4,683 |
Total domestic deposits to total assets | 90.8744% | 481 |
Equity capital to assets | 9.0257% | 5,731 |
Core capital (leverage) ratio | 9.0443% | 4,858 |
Tier 1 risk-based capital ratio | 14.7451% | 3,808 |
Total risk-based capital ratio | 16.0219% | 3,767 |
Memoranda: | ||
Average total assets | $17,027,000 | 7,335 |
Average earning assets | $16,247,000 | 7,304 |
Average equity | $1,528,250 | 7,363 |
Average total loans | $11,058,000 | 7,148 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.4784% | 1,346 |
Cost of funding earning assets | 0.5799% | 6,543 |
Net interest margin | 4.8985% | 493 |
Noninterest income to average assets | 0.5872% | 3,212 |
Noninterest expense to average assets | 3.5115% | 1,953 |
Loan and lease loss provision to assets | 1.5032% | 472 |
Net operating income to assets | 0.1996% | 5,740 |
Return on assets (ROA) | 0.1996% | 5,854 |
Pretax return on assets | 0.2349% | 5,850 |
Return on Equity (ROE) | 2.2285% | 5,710 |
Retained earnings to average equity (ytd only) | -2.8840% | 6,362 |
Net charge-offs to loans | 1.2795% | 1,212 |
Credit loss provision to net charge-offs | 180.2817% | 1,676 |
Earnings coverage of net charge-offs (x) | 2.0845% | 3,813 |
Efficiency ratio | 66.8904% | 4,712 |
Assets per employee ($millions) | 3.3718% | 5,278 |
Cash dividends to net income (ytd only)* | 229.4118% | 73 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.0221% | 878 |
Loan loss allowance to noncurrent loans | 237.5000% | 1,296 |
Noncurrent assets plus other real estate owned to assets | 1.5719% | 3,840 |
Noncurrent loans to loans | 1.2725% | 4,544 |
Net loans and leases to total assets | 61.4805% | 3,992 |
Net loans and leases to deposits | 67.5729% | 4,774 |
Net loans and leases to core deposits | 68.9254% | 5,196 |
Total domestic deposits to total assets | 90.9840% | 509 |
Equity capital to assets | 8.9211% | 5,688 |
Core capital (leverage) ratio | 8.8758% | 4,920 |
Tier 1 risk-based capital ratio | 14.6147% | 3,720 |
Total risk-based capital ratio | 15.8877% | 3,667 |
Memoranda: | ||
Average total assets | $17,030,000 | 7,407 |
Average earning assets | $16,209,000 | 7,376 |
Average equity | $1,525,670 | 7,433 |
Average total loans | $11,098,330 | 7,213 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3839% | 1,626 |
Cost of funding earning assets | 0.6118% | 6,557 |
Net interest margin | 4.7721% | 604 |
Noninterest income to average assets | 0.5142% | 3,772 |
Noninterest expense to average assets | 3.5523% | 1,870 |
Loan and lease loss provision to assets | 0.5375% | 1,618 |
Net operating income to assets | 0.9582% | 2,320 |
Return on assets (ROA) | 0.9582% | 2,388 |
Pretax return on assets | 0.9816% | 3,199 |
Return on Equity (ROE) | 10.6736% | 1,843 |
Retained earnings to average equity (ytd only) | 5.2066% | 3,053 |
Net charge-offs to loans | 0.0000% | 5,107 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 70.0461% | 4,261 |
Assets per employee ($millions) | 3.3832% | 5,292 |
Cash dividends to net income (ytd only)* | 51.2195% | 1,438 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.5311% | 1,419 |
Loan loss allowance to noncurrent loans | 267.5926% | 1,134 |
Noncurrent assets plus other real estate owned to assets | 1.4010% | 4,185 |
Noncurrent loans to loans | 0.9459% | 5,144 |
Net loans and leases to total assets | 65.7898% | 3,068 |
Net loans and leases to deposits | 72.5016% | 3,983 |
Net loans and leases to core deposits | 75.2264% | 4,392 |
Total domestic deposits to total assets | 90.7425% | 747 |
Equity capital to assets | 9.1452% | 4,964 |
Core capital (leverage) ratio | 8.9448% | 4,699 |
Tier 1 risk-based capital ratio | 14.2214% | 3,921 |
Total risk-based capital ratio | 15.4900% | 3,881 |
Memoranda: | ||
Average total assets | $17,115,500 | 7,462 |
Average earning assets | $16,345,000 | 7,424 |
Average equity | $1,536,500 | 7,480 |
Average total loans | $11,303,500 | 7,258 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.0813% | 724 |
Cost of funding earning assets | 0.8535% | 6,359 |
Net interest margin | 5.2278% | 275 |
Noninterest income to average assets | 0.6844% | 2,943 |
Noninterest expense to average assets | 3.7894% | 1,505 |
Loan and lease loss provision to assets | 0.5513% | 2,931 |
Net operating income to assets | 1.2547% | 1,280 |
Return on assets (ROA) | 1.2547% | 1,352 |
Pretax return on assets | 1.3117% | 1,905 |
Return on Equity (ROE) | 13.0555% | 1,074 |
Retained earnings to average equity (ytd only) | 2.9012% | 3,825 |
Net charge-offs to loans | 0.8059% | 2,619 |
Credit loss provision to net charge-offs | 102.3529% | 4,421 |
Earnings coverage of net charge-offs (x) | 3.4588% | 3,349 |
Efficiency ratio | 67.0404% | 4,757 |
Assets per employee ($millions) | 3.4630% | 5,018 |
Cash dividends to net income (ytd only)* | 77.7778% | 930 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.3773% | 1,582 |
Loan loss allowance to noncurrent loans | 146.1538% | 2,037 |
Noncurrent assets plus other real estate owned to assets | 1.7961% | 3,625 |
Noncurrent loans to loans | 1.6266% | 4,066 |
Net loans and leases to total assets | 63.0840% | 4,051 |
Net loans and leases to deposits | 69.2820% | 4,911 |
Net loans and leases to core deposits | 70.4255% | 5,413 |
Total domestic deposits to total assets | 91.0540% | 578 |
Equity capital to assets | 8.8132% | 5,416 |
Core capital (leverage) ratio | 9.0494% | 4,452 |
Tier 1 risk-based capital ratio | 14.0606% | 3,829 |
Total risk-based capital ratio | 15.3230% | 3,792 |
Memoranda: | ||
Average total assets | $15,781,000 | 7,556 |
Average earning assets | $14,996,800 | 7,525 |
Average equity | $1,516,600 | 7,589 |
Average total loans | $10,547,200 | 7,367 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.2352% | 578 |
Cost of funding earning assets | 0.8764% | 6,485 |
Net interest margin | 5.3589% | 217 |
Noninterest income to average assets | 0.7534% | 2,488 |
Noninterest expense to average assets | 3.6888% | 1,588 |
Loan and lease loss provision to assets | 0.5802% | 2,611 |
Net operating income to assets | 1.5154% | 894 |
Return on assets (ROA) | 1.5154% | 974 |
Pretax return on assets | 1.5673% | 1,425 |
Return on Equity (ROE) | 15.4089% | 791 |
Retained earnings to average equity (ytd only) | 4.9305% | 3,039 |
Net charge-offs to loans | 0.8600% | 2,294 |
Credit loss provision to net charge-offs | 100.0000% | 4,307 |
Earnings coverage of net charge-offs (x) | 3.7016% | 3,331 |
Efficiency ratio | 63.2047% | 5,405 |
Assets per employee ($millions) | 3.0068% | 6,130 |
Cash dividends to net income (ytd only)* | 67.9981% | 958 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.4657% | 1,379 |
Loan loss allowance to noncurrent loans | 182.0690% | 1,580 |
Noncurrent assets plus other real estate owned to assets | 0.9645% | 5,157 |
Noncurrent loans to loans | 1.3543% | 4,600 |
Net loans and leases to total assets | 69.4626% | 2,864 |
Net loans and leases to deposits | 77.4876% | 3,922 |
Net loans and leases to core deposits | 78.9880% | 4,666 |
Total domestic deposits to total assets | 89.6435% | 1,055 |
Equity capital to assets | 10.2301% | 3,839 |
Core capital (leverage) ratio | 10.1505% | 3,095 |
Tier 1 risk-based capital ratio | 16.0142% | 2,753 |
Total risk-based capital ratio | 17.2845% | 2,698 |
Memoranda: | ||
Average total assets | $15,397,500 | 7,662 |
Average earning assets | $14,604,750 | 7,628 |
Average equity | $1,514,250 | 7,688 |
Average total loans | $10,386,750 | 7,474 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.1576% | 678 |
Cost of funding earning assets | 0.8991% | 6,585 |
Net interest margin | 5.2585% | 261 |
Noninterest income to average assets | 0.7990% | 2,121 |
Noninterest expense to average assets | 3.6730% | 1,614 |
Loan and lease loss provision to assets | 0.3866% | 3,401 |
Net operating income to assets | 1.6625% | 633 |
Return on assets (ROA) | 1.6625% | 681 |
Pretax return on assets | 1.7141% | 1,035 |
Return on Equity (ROE) | 17.1277% | 555 |
Retained earnings to average equity (ytd only) | 6.3731% | 2,132 |
Net charge-offs to loans | 1.0117% | 1,842 |
Credit loss provision to net charge-offs | 57.6923% | 5,264 |
Earnings coverage of net charge-offs (x) | 3.1346% | 3,437 |
Efficiency ratio | 63.6161% | 5,407 |
Assets per employee ($millions) | 3.0574% | 6,020 |
Cash dividends to net income (ytd only)* | 62.7907% | 1,228 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.3094% | 1,569 |
Loan loss allowance to noncurrent loans | 180.5970% | 1,570 |
Noncurrent assets plus other real estate owned to assets | 0.8766% | 5,369 |
Noncurrent loans to loans | 1.2787% | 4,826 |
Net loans and leases to total assets | 66.9654% | 3,627 |
Net loans and leases to deposits | 77.9249% | 3,980 |
Net loans and leases to core deposits | 79.4675% | 4,745 |
Total domestic deposits to total assets | 85.9358% | 3,129 |
Equity capital to assets | 10.0085% | 4,017 |
Core capital (leverage) ratio | 9.9896% | 3,175 |
Tier 1 risk-based capital ratio | 16.1120% | 2,623 |
Total risk-based capital ratio | 17.3757% | 2,578 |
Memoranda: | ||
Average total assets | $15,518,670 | 7,722 |
Average earning assets | $14,681,000 | 7,693 |
Average equity | $1,506,330 | 7,756 |
Average total loans | $10,280,000 | 7,537 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.0999% | 778 |
Cost of funding earning assets | 0.9447% | 6,599 |
Net interest margin | 5.1552% | 320 |
Noninterest income to average assets | 0.7164% | 2,495 |
Noninterest expense to average assets | 3.6842% | 1,546 |
Loan and lease loss provision to assets | 0.3838% | 3,064 |
Net operating income to assets | 1.5095% | 880 |
Return on assets (ROA) | 1.5095% | 948 |
Pretax return on assets | 1.5351% | 1,433 |
Return on Equity (ROE) | 15.7912% | 749 |
Retained earnings to average equity (ytd only) | 4.5500% | 3,423 |
Net charge-offs to loans | -0.0393% | 7,279 |
Credit loss provision to net charge-offs | -1,500.0000% | 6,452 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 65.7534% | 5,171 |
Assets per employee ($millions) | 3.1302% | 5,926 |
Cash dividends to net income (ytd only)* | 71.1864% | 1,012 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.6555% | 1,119 |
Loan loss allowance to noncurrent loans | 116.1826% | 2,383 |
Noncurrent assets plus other real estate owned to assets | 1.5398% | 4,194 |
Noncurrent loans to loans | 2.2857% | 3,408 |
Net loans and leases to total assets | 65.5805% | 3,958 |
Net loans and leases to deposits | 72.6655% | 4,965 |
Net loans and leases to core deposits | 73.9961% | 5,499 |
Total domestic deposits to total assets | 90.2498% | 860 |
Equity capital to assets | 9.5777% | 4,410 |
Core capital (leverage) ratio | 9.6735% | 3,556 |
Tier 1 risk-based capital ratio | 15.4759% | 2,883 |
Total risk-based capital ratio | 16.7458% | 2,822 |
Memoranda: | ||
Average total assets | $15,634,500 | 7,820 |
Average earning assets | $14,820,000 | 7,789 |
Average equity | $1,494,500 | 7,844 |
Average total loans | $10,180,500 | 7,644 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.6929% | 471 |
Cost of funding earning assets | 1.2365% | 6,521 |
Net interest margin | 5.4564% | 192 |
Noninterest income to average assets | 0.6946% | 3,018 |
Noninterest expense to average assets | 3.7021% | 1,913 |
Loan and lease loss provision to assets | 0.2562% | 5,346 |
Net operating income to assets | 1.7735% | 380 |
Return on assets (ROA) | 1.7735% | 399 |
Pretax return on assets | 1.8544% | 567 |
Return on Equity (ROE) | 18.0980% | 361 |
Retained earnings to average equity (ytd only) | 7.2254% | 893 |
Net charge-offs to loans | 0.0912% | 6,217 |
Credit loss provision to net charge-offs | 422.2222% | 744 |
Earnings coverage of net charge-offs (x) | 34.7778% | 678 |
Efficiency ratio | 63.6891% | 5,833 |
Assets per employee ($millions) | 3.1236% | 5,933 |
Cash dividends to net income (ytd only)* | 60.0760% | 1,996 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.6892% | 1,021 |
Loan loss allowance to noncurrent loans | 138.9474% | 2,060 |
Noncurrent assets plus other real estate owned to assets | 1.2165% | 4,662 |
Noncurrent loans to loans | 1.9354% | 3,750 |
Net loans and leases to total assets | 61.1666% | 5,165 |
Net loans and leases to deposits | 67.7806% | 5,862 |
Net loans and leases to core deposits | 80.2234% | 6,070 |
Total domestic deposits to total assets | 90.2420% | 859 |
Equity capital to assets | 9.5403% | 4,367 |
Core capital (leverage) ratio | 9.7144% | 3,429 |
Tier 1 risk-based capital ratio | 16.0146% | 2,516 |
Total risk-based capital ratio | 17.2829% | 2,440 |
Memoranda: | ||
Average total assets | $14,829,600 | 7,900 |
Average earning assets | $13,910,200 | 7,874 |
Average equity | $1,453,200 | 7,938 |
Average total loans | $9,870,800 | 7,713 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.8759% | 368 |
Cost of funding earning assets | 1.2856% | 6,596 |
Net interest margin | 5.5903% | 165 |
Noninterest income to average assets | 0.7016% | 3,007 |
Noninterest expense to average assets | 3.5263% | 2,212 |
Loan and lease loss provision to assets | 0.2096% | 5,304 |
Net operating income to assets | 2.1140% | 229 |
Return on assets (ROA) | 2.1140% | 248 |
Pretax return on assets | 2.1960% | 355 |
Return on Equity (ROE) | 21.4217% | 227 |
Retained earnings to average equity (ytd only) | 10.7105% | 512 |
Net charge-offs to loans | 0.1079% | 5,591 |
Credit loss provision to net charge-offs | 287.5000% | 1,447 |
Earnings coverage of net charge-offs (x) | 32.9888% | 870 |
Efficiency ratio | 59.4470% | 6,490 |
Assets per employee ($millions) | 2.9824% | 6,207 |
Cash dividends to net income (ytd only)* | 49.9984% | 2,011 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.4983% | 1,062 |
Loan loss allowance to noncurrent loans | 206.6116% | 1,434 |
Noncurrent assets plus other real estate owned to assets | 0.8114% | 5,472 |
Noncurrent loans to loans | 1.2092% | 4,924 |
Net loans and leases to total assets | 65.4305% | 4,550 |
Net loans and leases to deposits | 72.8896% | 5,524 |
Net loans and leases to core deposits | 83.7008% | 6,063 |
Total domestic deposits to total assets | 89.7666% | 859 |
Equity capital to assets | 10.0657% | 4,004 |
Core capital (leverage) ratio | 10.3225% | 2,953 |
Tier 1 risk-based capital ratio | 16.1641% | 2,571 |
Total risk-based capital ratio | 17.4348% | 2,500 |
Memoranda: | ||
Average total assets | $14,632,500 | 7,983 |
Average earning assets | $13,690,000 | 7,959 |
Average equity | $1,444,000 | 8,020 |
Average total loans | $9,884,250 | 7,787 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.9584% | 345 |
Cost of funding earning assets | 1.3148% | 6,752 |
Net interest margin | 5.6435% | 155 |
Noninterest income to average assets | 0.7428% | 2,740 |
Noninterest expense to average assets | 3.5490% | 2,195 |
Loan and lease loss provision to assets | 0.2063% | 4,989 |
Net operating income to assets | 2.1459% | 217 |
Return on assets (ROA) | 2.1459% | 238 |
Pretax return on assets | 2.2422% | 329 |
Return on Equity (ROE) | 21.8947% | 241 |
Retained earnings to average equity (ytd only) | 11.0877% | 550 |
Net charge-offs to loans | 0.2438% | 3,974 |
Credit loss provision to net charge-offs | 125.0000% | 3,710 |
Earnings coverage of net charge-offs (x) | 14.8333% | 1,629 |
Efficiency ratio | 59.1743% | 6,666 |
Assets per employee ($millions) | 2.9324% | 6,309 |
Cash dividends to net income (ytd only)* | 49.3590% | 2,079 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.4219% | 967 |
Loan loss allowance to noncurrent loans | 377.7778% | 832 |
Noncurrent assets plus other real estate owned to assets | 0.4297% | 6,383 |
Noncurrent loans to loans | 0.6411% | 5,967 |
Net loans and leases to total assets | 65.4004% | 4,683 |
Net loans and leases to deposits | 75.7784% | 5,204 |
Net loans and leases to core deposits | 86.7312% | 5,832 |
Total domestic deposits to total assets | 86.3047% | 2,621 |
Equity capital to assets | 9.9850% | 3,961 |
Core capital (leverage) ratio | 10.2435% | 3,050 |
Tier 1 risk-based capital ratio | 16.1411% | 2,575 |
Total risk-based capital ratio | 17.4090% | 2,512 |
Memoranda: | ||
Average total assets | $14,539,330 | 8,075 |
Average earning assets | $13,537,670 | 8,053 |
Average equity | $1,425,000 | 8,108 |
Average total loans | $9,843,330 | 7,871 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 7.0002% | 337 |
Cost of funding earning assets | 1.3587% | 6,846 |
Net interest margin | 5.6415% | 149 |
Noninterest income to average assets | 0.8565% | 2,049 |
Noninterest expense to average assets | 3.4535% | 2,220 |
Loan and lease loss provision to assets | 0.2210% | 4,242 |
Net operating income to assets | 2.3484% | 174 |
Return on assets (ROA) | 2.3484% | 204 |
Pretax return on assets | 2.4589% | 279 |
Return on Equity (ROE) | 24.1907% | 211 |
Retained earnings to average equity (ytd only) | 13.3760% | 584 |
Net charge-offs to loans | 0.0406% | 4,921 |
Credit loss provision to net charge-offs | 800.0000% | 744 |
Earnings coverage of net charge-offs (x) | 97.0000% | 440 |
Efficiency ratio | 56.3063% | 6,926 |
Assets per employee ($millions) | 2.9064% | 6,403 |
Cash dividends to net income (ytd only)* | 44.7059% | 1,932 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.4405% | 813 |
Loan loss allowance to noncurrent loans | 1,423.5294% | 306 |
Noncurrent assets plus other real estate owned to assets | 0.1170% | 7,239 |
Noncurrent loans to loans | 0.1714% | 7,036 |
Net loans and leases to total assets | 66.5703% | 4,448 |
Net loans and leases to deposits | 76.5227% | 5,145 |
Net loans and leases to core deposits | 85.6030% | 5,936 |
Total domestic deposits to total assets | 86.9942% | 2,221 |
Equity capital to assets | 9.8335% | 4,203 |
Core capital (leverage) ratio | 9.8859% | 3,539 |
Tier 1 risk-based capital ratio | 15.5732% | 2,823 |
Total risk-based capital ratio | 16.8374% | 2,756 |
Memoranda: | ||
Average total assets | $14,478,000 | 8,129 |
Average earning assets | $13,542,500 | 8,103 |
Average equity | $1,405,500 | 8,167 |
Average total loans | $9,851,500 | 7,914 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 7.4651% | 439 |
Cost of funding earning assets | 1.7919% | 7,030 |
Net interest margin | 5.6732% | 157 |
Noninterest income to average assets | 0.6626% | 3,387 |
Noninterest expense to average assets | 3.6550% | 2,034 |
Loan and lease loss provision to assets | 0.2137% | 4,755 |
Net operating income to assets | 1.8952% | 435 |
Return on assets (ROA) | 1.8952% | 425 |
Pretax return on assets | 1.9593% | 676 |
Return on Equity (ROE) | 20.0030% | 370 |
Retained earnings to average equity (ytd only) | 8.4223% | 725 |
Net charge-offs to loans | 0.0222% | 6,538 |
Credit loss provision to net charge-offs | 1,500.0000% | 291 |
Earnings coverage of net charge-offs (x) | 152.5000% | 299 |
Efficiency ratio | 62.7139% | 5,827 |
Assets per employee ($millions) | 2.8848% | 6,355 |
Cash dividends to net income (ytd only)* | 57.8947% | 2,764 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.4011% | 763 |
Loan loss allowance to noncurrent loans | 1,807.6923% | 319 |
Noncurrent assets plus other real estate owned to assets | 0.0901% | 7,218 |
Noncurrent loans to loans | 0.1328% | 7,020 |
Net loans and leases to total assets | 66.2230% | 4,802 |
Net loans and leases to deposits | 73.6526% | 5,882 |
Net loans and leases to core deposits | 83.7234% | 6,313 |
Total domestic deposits to total assets | 89.9126% | 682 |
Equity capital to assets | 9.5813% | 4,571 |
Core capital (leverage) ratio | 9.7132% | 3,749 |
Tier 1 risk-based capital ratio | 15.2203% | 2,951 |
Total risk-based capital ratio | 16.4868% | 2,873 |
Memoranda: | ||
Average total assets | $14,035,600 | 8,184 |
Average earning assets | $12,779,400 | 8,170 |
Average equity | $1,329,800 | 8,238 |
Average total loans | $9,022,000 | 7,987 |