Home > The Trust Company of Virginia > Performance and Condition Ratios
The Trust Company of Virginia, Performance and Condition Ratios
2017-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 1.9695% | 5,682 |
Cost of funding earning assets | 0.0000% | 5,725 |
Net interest margin | 1.9695% | 5,647 |
Noninterest income to average assets | 119.0839% | 10 |
Noninterest expense to average assets | 97.1079% | 10 |
Loan and lease loss provision to assets | 0.0000% | 4,088 |
Net operating income to assets | 13.7676% | 13 |
Return on assets (ROA) | 13.7676% | 13 |
Pretax return on assets | 23.3544% | 12 |
Return on Equity (ROE) | 15.3254% | 613 |
Retained earnings to average equity (ytd only) | -1.7217% | 5,409 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 80.6128% | 1,032 |
Assets per employee ($millions) | 0.2156% | 5,722 |
Cash dividends to net income (ytd only)* | 111.2344% | 212 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
Noncurrent loans to loans | NA | NA |
Net loans and leases to total assets | 0.0000% | 5,709 |
Net loans and leases to deposits | NA | NA |
Net loans and leases to core deposits | NA | NA |
Total domestic deposits to total assets | 0.0000% | 5,745 |
Equity capital to assets | 93.3151% | 7 |
Core capital (leverage) ratio | 91.4008% | 15 |
Tier 1 risk-based capital ratio | 194.8237% | 23 |
Total risk-based capital ratio | 194.8237% | 23 |
Memoranda: | ||
Average total assets | $8,706,250 | 5,734 |
Average earning assets | $6,093,000 | 5,727 |
Average equity | $7,821,250 | 4,861 |
Average total loans | NA | NA |
2017-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 1.9627% | 5,733 |
Cost of funding earning assets | 0.0000% | 5,773 |
Net interest margin | 1.9627% | 5,701 |
Noninterest income to average assets | 115.9210% | 10 |
Noninterest expense to average assets | 98.5464% | 9 |
Loan and lease loss provision to assets | 0.0000% | 3,871 |
Net operating income to assets | 10.9017% | 17 |
Return on assets (ROA) | 10.9017% | 17 |
Pretax return on assets | 18.7372% | 15 |
Return on Equity (ROE) | 12.2867% | 1,214 |
Retained earnings to average equity (ytd only) | -13.3106% | 5,691 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 84.0240% | 839 |
Assets per employee ($millions) | 0.2139% | 5,773 |
Cash dividends to net income (ytd only)* | 208.3333% | 72 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
Noncurrent loans to loans | NA | NA |
Net loans and leases to total assets | 0.0000% | 5,758 |
Net loans and leases to deposits | 0.0000% | 5,758 |
Net loans and leases to core deposits | 0.0000% | 5,747 |
Total domestic deposits to total assets | 5.9930% | 5,774 |
Equity capital to assets | 88.9248% | 14 |
Core capital (leverage) ratio | 82.0777% | 26 |
Tier 1 risk-based capital ratio | 192.8516% | 22 |
Total risk-based capital ratio | 192.8516% | 22 |
Memoranda: | ||
Average total assets | $8,806,000 | 5,782 |
Average earning assets | $6,114,000 | 5,777 |
Average equity | $7,813,330 | 4,886 |
Average total loans | NA | NA |
2017-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 1.8913% | 5,807 |
Cost of funding earning assets | 0.0000% | 5,834 |
Net interest margin | 1.8913% | 5,771 |
Noninterest income to average assets | 111.6680% | 9 |
Noninterest expense to average assets | 101.0899% | 8 |
Loan and lease loss provision to assets | 0.0000% | 3,537 |
Net operating income to assets | 6.6833% | 28 |
Return on assets (ROA) | 6.6833% | 28 |
Pretax return on assets | 11.9059% | 21 |
Return on Equity (ROE) | 7.5401% | 3,145 |
Retained earnings to average equity (ytd only) | 7.5401% | 1,634 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 89.4634% | 580 |
Assets per employee ($millions) | 0.2437% | 5,841 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
Noncurrent loans to loans | NA | NA |
Net loans and leases to total assets | 0.0000% | 5,827 |
Net loans and leases to deposits | 0.0000% | 5,825 |
Net loans and leases to core deposits | 0.0000% | 5,814 |
Total domestic deposits to total assets | 5.3990% | 5,841 |
Equity capital to assets | 87.2908% | 17 |
Core capital (leverage) ratio | 89.0145% | 18 |
Tier 1 risk-based capital ratio | 194.7139% | 24 |
Total risk-based capital ratio | 194.7139% | 24 |
Memoranda: | ||
Average total assets | $9,037,500 | 5,849 |
Average earning assets | $6,345,000 | 5,844 |
Average equity | $8,010,500 | 4,896 |
Average total loans | NA | NA |
2016-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.0833% | 5,835 |
Cost of funding earning assets | 0.0000% | 5,897 |
Net interest margin | 2.0833% | 5,790 |
Noninterest income to average assets | 115.8270% | 11 |
Noninterest expense to average assets | 91.7709% | 10 |
Loan and lease loss provision to assets | 0.0000% | 4,332 |
Net operating income to assets | 16.2852% | 11 |
Return on assets (ROA) | 16.9959% | 11 |
Pretax return on assets | 26.7095% | 11 |
Return on Equity (ROE) | 19.6423% | 226 |
Retained earnings to average equity (ytd only) | 7.4841% | 1,044 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 78.1894% | 1,667 |
Assets per employee ($millions) | 0.2316% | 5,898 |
Cash dividends to net income (ytd only)* | 61.8982% | 1,675 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
Noncurrent loans to loans | NA | NA |
Net loans and leases to total assets | 0.0000% | 5,884 |
Net loans and leases to deposits | 0.0000% | 5,883 |
Net loans and leases to core deposits | 0.0000% | 5,872 |
Total domestic deposits to total assets | 5.6805% | 5,899 |
Equity capital to assets | 90.0250% | 12 |
Core capital (leverage) ratio | 91.5581% | 12 |
Tier 1 risk-based capital ratio | 212.1800% | 24 |
Total risk-based capital ratio | 212.1800% | 24 |
Memoranda: | ||
Average total assets | $8,555,000 | 5,909 |
Average earning assets | $6,336,200 | 5,901 |
Average equity | $7,402,400 | 5,025 |
Average total loans | NA | NA |
2016-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.3329% | 5,866 |
Cost of funding earning assets | 0.0000% | 5,963 |
Net interest margin | 2.3329% | 5,760 |
Noninterest income to average assets | 116.0736% | 10 |
Noninterest expense to average assets | 93.6564% | 10 |
Loan and lease loss provision to assets | 0.0000% | 4,186 |
Net operating income to assets | 13.9426% | 11 |
Return on assets (ROA) | 14.7564% | 11 |
Pretax return on assets | 25.4470% | 11 |
Return on Equity (ROE) | 17.2346% | 425 |
Retained earnings to average equity (ytd only) | 0.7334% | 5,168 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 79.4831% | 1,496 |
Assets per employee ($millions) | 0.2177% | 5,966 |
Cash dividends to net income (ytd only)* | 95.7448% | 449 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
Noncurrent loans to loans | NA | NA |
Net loans and leases to total assets | 0.0000% | 5,950 |
Net loans and leases to deposits | 0.0000% | 5,950 |
Net loans and leases to core deposits | 0.0000% | 5,939 |
Total domestic deposits to total assets | 6.0445% | 5,967 |
Equity capital to assets | 89.8090% | 12 |
Core capital (leverage) ratio | 90.4454% | 14 |
Tier 1 risk-based capital ratio | 206.3474% | 24 |
Total risk-based capital ratio | 206.3474% | 24 |
Memoranda: | ||
Average total assets | $8,493,250 | 5,976 |
Average earning assets | $6,401,000 | 5,967 |
Average equity | $7,272,000 | 5,098 |
Average total loans | NA | NA |
2016-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.3698% | 5,943 |
Cost of funding earning assets | 0.0000% | 6,040 |
Net interest margin | 2.3698% | 5,827 |
Noninterest income to average assets | 113.9722% | 10 |
Noninterest expense to average assets | 98.2141% | 8 |
Loan and lease loss provision to assets | 0.0000% | 4,017 |
Net operating income to assets | 9.8751% | 14 |
Return on assets (ROA) | 9.8751% | 15 |
Pretax return on assets | 17.5557% | 14 |
Return on Equity (ROE) | 11.7180% | 1,411 |
Retained earnings to average equity (ytd only) | -13.2139% | 5,917 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 84.8357% | 979 |
Assets per employee ($millions) | 0.2186% | 6,044 |
Cash dividends to net income (ytd only)* | 212.7660% | 95 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
Noncurrent loans to loans | NA | NA |
Net loans and leases to total assets | 0.0000% | 6,029 |
Net loans and leases to deposits | 0.0000% | 6,029 |
Net loans and leases to core deposits | 0.0000% | 6,018 |
Total domestic deposits to total assets | 5.8658% | 6,044 |
Equity capital to assets | 80.9714% | 25 |
Core capital (leverage) ratio | 79.5809% | 25 |
Tier 1 risk-based capital ratio | 196.1549% | 26 |
Total risk-based capital ratio | 196.1549% | 26 |
Memoranda: | ||
Average total assets | $8,567,000 | 6,054 |
Average earning assets | $6,498,330 | 6,045 |
Average equity | $7,219,670 | 5,154 |
Average total loans | NA | NA |
2016-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.5090% | 5,961 |
Cost of funding earning assets | 0.0000% | 6,095 |
Net interest margin | 2.5090% | 5,801 |
Noninterest income to average assets | 111.5445% | 11 |
Noninterest expense to average assets | 103.9064% | 8 |
Loan and lease loss provision to assets | 0.0000% | 3,656 |
Net operating income to assets | 4.8903% | 43 |
Return on assets (ROA) | 4.8903% | 42 |
Pretax return on assets | 9.5477% | 25 |
Return on Equity (ROE) | 5.6922% | 4,138 |
Retained earnings to average equity (ytd only) | 5.6922% | 2,534 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 91.5846% | 577 |
Assets per employee ($millions) | 0.2211% | 6,107 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
Noncurrent loans to loans | NA | NA |
Net loans and leases to total assets | 0.0000% | 6,091 |
Net loans and leases to deposits | 0.0000% | 6,091 |
Net loans and leases to core deposits | 0.0000% | 6,080 |
Total domestic deposits to total assets | 5.7978% | 6,110 |
Equity capital to assets | 86.5028% | 19 |
Core capital (leverage) ratio | 86.4267% | 18 |
Tier 1 risk-based capital ratio | 212.3068% | 24 |
Total risk-based capital ratio | 212.3068% | 24 |
Memoranda: | ||
Average total assets | $8,588,500 | 6,117 |
Average earning assets | $6,536,500 | 6,108 |
Average equity | $7,378,500 | 5,159 |
Average total loans | NA | NA |
2015-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.4559% | 6,011 |
Cost of funding earning assets | 0.0000% | 6,168 |
Net interest margin | 2.4559% | 5,855 |
Noninterest income to average assets | 131.3305% | 8 |
Noninterest expense to average assets | 99.8037% | 8 |
Loan and lease loss provision to assets | 0.0000% | 4,380 |
Net operating income to assets | 19.5620% | 10 |
Return on assets (ROA) | 19.6587% | 10 |
Pretax return on assets | 33.4776% | 9 |
Return on Equity (ROE) | 23.4007% | 125 |
Retained earnings to average equity (ytd only) | 11.4157% | 298 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 74.9669% | 2,429 |
Assets per employee ($millions) | 0.2097% | 6,166 |
Cash dividends to net income (ytd only)* | 51.2164% | 2,239 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
Noncurrent loans to loans | NA | NA |
Net loans and leases to total assets | 0.0000% | 6,149 |
Net loans and leases to deposits | 0.0000% | 6,149 |
Net loans and leases to core deposits | 0.0000% | 6,137 |
Total domestic deposits to total assets | 5.8153% | 6,169 |
Equity capital to assets | 83.9149% | 24 |
Core capital (leverage) ratio | 83.6334% | 20 |
Tier 1 risk-based capital ratio | 215.0538% | 25 |
Total risk-based capital ratio | 215.0538% | 25 |
Memoranda: | ||
Average total assets | $7,945,600 | 6,180 |
Average earning assets | $5,822,600 | 6,170 |
Average equity | $6,675,000 | 5,305 |
Average total loans | NA | NA |
2015-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.4794% | 6,096 |
Cost of funding earning assets | 0.0000% | 6,253 |
Net interest margin | 2.4794% | 5,921 |
Noninterest income to average assets | 135.9427% | 6 |
Noninterest expense to average assets | 101.7128% | 8 |
Loan and lease loss provision to assets | 0.0000% | 4,232 |
Net operating income to assets | 21.2149% | 9 |
Return on assets (ROA) | 21.3465% | 9 |
Pretax return on assets | 36.2342% | 9 |
Return on Equity (ROE) | 25.4020% | 111 |
Retained earnings to average equity (ytd only) | 9.0925% | 872 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 73.8433% | 2,582 |
Assets per employee ($millions) | 0.2140% | 6,255 |
Cash dividends to net income (ytd only)* | 64.2055% | 1,246 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
Noncurrent loans to loans | NA | NA |
Net loans and leases to total assets | 0.0000% | 6,236 |
Net loans and leases to deposits | 0.0000% | 6,236 |
Net loans and leases to core deposits | 0.0000% | 6,224 |
Total domestic deposits to total assets | 5.9909% | 6,256 |
Equity capital to assets | 82.9619% | 23 |
Core capital (leverage) ratio | 86.5014% | 17 |
Tier 1 risk-based capital ratio | 205.9630% | 27 |
Total risk-based capital ratio | 205.9630% | 27 |
Memoranda: | ||
Average total assets | $7,782,500 | 6,267 |
Average earning assets | $5,646,500 | 6,259 |
Average equity | $6,540,000 | 5,406 |
Average total loans | NA | NA |
2015-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.6456% | 6,102 |
Cost of funding earning assets | 0.0000% | 6,327 |
Net interest margin | 2.6456% | 5,829 |
Noninterest income to average assets | 136.4641% | 7 |
Noninterest expense to average assets | 109.5505% | 8 |
Loan and lease loss provision to assets | 0.0000% | 4,069 |
Net operating income to assets | 16.7043% | 12 |
Return on assets (ROA) | 16.9066% | 12 |
Pretax return on assets | 29.1257% | 9 |
Return on Equity (ROE) | 20.0250% | 264 |
Retained earnings to average equity (ytd only) | -4.9283% | 6,016 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 79.1778% | 1,881 |
Assets per employee ($millions) | 0.1962% | 6,333 |
Cash dividends to net income (ytd only)* | 124.6106% | 282 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
Noncurrent loans to loans | NA | NA |
Net loans and leases to total assets | 0.0000% | 6,313 |
Net loans and leases to deposits | 0.0000% | 6,313 |
Net loans and leases to core deposits | 0.0000% | 6,300 |
Total domestic deposits to total assets | 6.7051% | 6,330 |
Equity capital to assets | 84.5112% | 21 |
Core capital (leverage) ratio | 80.1424% | 25 |
Tier 1 risk-based capital ratio | 209.9933% | 25 |
Total risk-based capital ratio | 209.9933% | 25 |
Memoranda: | ||
Average total assets | $7,594,670 | 6,346 |
Average earning assets | $5,443,000 | 6,335 |
Average equity | $6,412,000 | 5,471 |
Average total loans | NA | NA |
2015-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.2381% | 6,296 |
Cost of funding earning assets | 0.0000% | 6,393 |
Net interest margin | 2.2381% | 6,186 |
Noninterest income to average assets | 132.4721% | 7 |
Noninterest expense to average assets | 116.7613% | 6 |
Loan and lease loss provision to assets | 0.0000% | 3,703 |
Net operating income to assets | 9.6040% | 21 |
Return on assets (ROA) | 9.6040% | 21 |
Pretax return on assets | 17.3289% | 16 |
Return on Equity (ROE) | 11.3809% | 1,522 |
Retained earnings to average equity (ytd only) | 11.3809% | 664 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 87.0767% | 1,088 |
Assets per employee ($millions) | 0.2135% | 6,404 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
Noncurrent loans to loans | NA | NA |
Net loans and leases to total assets | 0.0000% | 6,384 |
Net loans and leases to deposits | 0.0000% | 6,384 |
Net loans and leases to core deposits | 0.0000% | 6,371 |
Total domestic deposits to total assets | 6.3291% | 6,401 |
Equity capital to assets | 83.0000% | 25 |
Core capital (leverage) ratio | 85.0417% | 21 |
Tier 1 risk-based capital ratio | 210.5586% | 29 |
Total risk-based capital ratio | 210.5586% | 29 |
Memoranda: | ||
Average total assets | $7,663,500 | 6,415 |
Average earning assets | $5,540,500 | 6,405 |
Average equity | $6,467,000 | 5,503 |
Average total loans | NA | NA |
2014-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.4473% | 6,339 |
Cost of funding earning assets | 0.0000% | 6,493 |
Net interest margin | 2.4473% | 6,198 |
Noninterest income to average assets | 139.1952% | 6 |
Noninterest expense to average assets | 116.0712% | 7 |
Loan and lease loss provision to assets | 0.0000% | 4,603 |
Net operating income to assets | 15.3013% | 12 |
Return on assets (ROA) | 15.2562% | 12 |
Pretax return on assets | 24.7173% | 11 |
Return on Equity (ROE) | 18.1568% | 382 |
Retained earnings to average equity (ytd only) | 4.7322% | 2,808 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 82.4024% | 1,614 |
Assets per employee ($millions) | 0.2007% | 6,495 |
Cash dividends to net income (ytd only)* | 73.9372% | 1,138 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
Noncurrent loans to loans | NA | NA |
Net loans and leases to total assets | 0.0000% | 6,475 |
Net loans and leases to deposits | 0.0000% | 6,475 |
Net loans and leases to core deposits | 0.0000% | 6,462 |
Total domestic deposits to total assets | 6.7322% | 6,492 |
Equity capital to assets | 85.8624% | 17 |
Core capital (leverage) ratio | 84.6910% | 16 |
Tier 1 risk-based capital ratio | 206.9079% | 26 |
Total risk-based capital ratio | 206.9079% | 26 |
Memoranda: | ||
Average total assets | $7,092,200 | 6,506 |
Average earning assets | $4,821,600 | 6,497 |
Average equity | $5,959,200 | 5,630 |
Average total loans | NA | NA |
2014-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.5303% | 6,399 |
Cost of funding earning assets | 0.0000% | 6,574 |
Net interest margin | 2.5303% | 6,201 |
Noninterest income to average assets | 140.2453% | 6 |
Noninterest expense to average assets | 118.4627% | 7 |
Loan and lease loss provision to assets | 0.0000% | 4,401 |
Net operating income to assets | 14.0352% | 14 |
Return on assets (ROA) | 13.9257% | 14 |
Pretax return on assets | 23.3046% | 13 |
Return on Equity (ROE) | 16.6699% | 597 |
Retained earnings to average equity (ytd only) | -1.5485% | 6,036 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 83.4607% | 1,453 |
Assets per employee ($millions) | 0.1767% | 6,575 |
Cash dividends to net income (ytd only)* | 109.2891% | 269 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
Noncurrent loans to loans | NA | NA |
Net loans and leases to total assets | 0.0000% | 6,554 |
Net loans and leases to deposits | 0.0000% | 6,554 |
Net loans and leases to core deposits | 0.0000% | 6,541 |
Total domestic deposits to total assets | 7.0741% | 6,571 |
Equity capital to assets | 84.8613% | 17 |
Core capital (leverage) ratio | 84.6774% | 17 |
Tier 1 risk-based capital ratio | 206.6644% | 24 |
Total risk-based capital ratio | 206.6644% | 24 |
Memoranda: | ||
Average total assets | $7,008,500 | 6,585 |
Average earning assets | $4,689,500 | 6,577 |
Average equity | $5,854,750 | 5,709 |
Average total loans | NA | NA |
2014-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.6549% | 6,419 |
Cost of funding earning assets | 0.0000% | 6,634 |
Net interest margin | 2.6549% | 6,106 |
Noninterest income to average assets | 140.3987% | 5 |
Noninterest expense to average assets | 124.6589% | 6 |
Loan and lease loss provision to assets | 0.0000% | 4,196 |
Net operating income to assets | 10.1238% | 16 |
Return on assets (ROA) | 9.9590% | 16 |
Pretax return on assets | 17.2279% | 16 |
Return on Equity (ROE) | 11.9855% | 1,421 |
Retained earnings to average equity (ytd only) | -15.5674% | 6,506 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 87.6988% | 1,113 |
Assets per employee ($millions) | 0.1606% | 6,642 |
Cash dividends to net income (ytd only)* | 229.8851% | 92 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
Noncurrent loans to loans | NA | NA |
Net loans and leases to total assets | 0.0000% | 6,622 |
Net loans and leases to deposits | 0.0000% | 6,622 |
Net loans and leases to core deposits | 0.0000% | 6,609 |
Total domestic deposits to total assets | 7.5919% | 6,636 |
Equity capital to assets | 85.3933% | 16 |
Core capital (leverage) ratio | 84.8163% | 16 |
Tier 1 risk-based capital ratio | 194.0257% | 28 |
Total risk-based capital ratio | 194.0257% | 28 |
Memoranda: | ||
Average total assets | $6,988,670 | 6,653 |
Average earning assets | $4,595,330 | 6,643 |
Average equity | $5,807,000 | 5,755 |
Average total loans | NA | NA |
2014-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.6103% | 6,514 |
Cost of funding earning assets | 0.0000% | 6,699 |
Net interest margin | 2.6103% | 6,222 |
Noninterest income to average assets | 136.5229% | 7 |
Noninterest expense to average assets | 123.0042% | 8 |
Loan and lease loss provision to assets | 0.0000% | 3,817 |
Net operating income to assets | 9.3463% | 23 |
Return on assets (ROA) | 9.3463% | 23 |
Pretax return on assets | 15.2434% | 20 |
Return on Equity (ROE) | 11.3927% | 1,572 |
Retained earnings to average equity (ytd only) | 11.3927% | 689 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 88.9738% | 1,130 |
Assets per employee ($millions) | 0.1922% | 6,712 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
Noncurrent loans to loans | NA | NA |
Net loans and leases to total assets | 0.0000% | 6,692 |
Net loans and leases to deposits | 0.0000% | 6,692 |
Net loans and leases to core deposits | 0.0000% | 6,679 |
Total domestic deposits to total assets | 6.8465% | 6,707 |
Equity capital to assets | 82.1169% | 31 |
Core capital (leverage) ratio | 81.6240% | 26 |
Tier 1 risk-based capital ratio | 184.6082% | 33 |
Total risk-based capital ratio | 184.6082% | 33 |
Memoranda: | ||
Average total assets | $7,190,000 | 6,726 |
Average earning assets | $4,750,500 | 6,716 |
Average equity | $5,898,500 | 5,773 |
Average total loans | NA | NA |
2013-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.1767% | 6,693 |
Cost of funding earning assets | 0.0000% | 6,798 |
Net interest margin | 2.1767% | 6,588 |
Noninterest income to average assets | 148.4638% | 7 |
Noninterest expense to average assets | 121.9253% | 8 |
Loan and lease loss provision to assets | 0.0000% | 5,091 |
Net operating income to assets | 17.3650% | 11 |
Return on assets (ROA) | 17.3941% | 11 |
Pretax return on assets | 28.0701% | 11 |
Return on Equity (ROE) | 20.9613% | 238 |
Retained earnings to average equity (ytd only) | 9.9963% | 564 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 81.3107% | 1,975 |
Assets per employee ($millions) | 0.1726% | 6,797 |
Cash dividends to net income (ytd only)* | 52.3104% | 2,163 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
Noncurrent loans to loans | NA | NA |
Net loans and leases to total assets | 0.0000% | 6,772 |
Net loans and leases to deposits | 0.0000% | 6,772 |
Net loans and leases to core deposits | 0.0000% | 6,760 |
Total domestic deposits to total assets | 7.0651% | 6,792 |
Equity capital to assets | 81.9556% | 25 |
Core capital (leverage) ratio | 81.1219% | 21 |
Tier 1 risk-based capital ratio | 184.4202% | 33 |
Total risk-based capital ratio | 184.4202% | 33 |
Memoranda: | ||
Average total assets | $6,594,200 | 6,809 |
Average earning assets | $4,502,200 | 6,804 |
Average equity | $5,472,000 | 5,939 |
Average total loans | NA | NA |
2013-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.0977% | 6,789 |
Cost of funding earning assets | 0.0000% | 6,877 |
Net interest margin | 2.0977% | 6,697 |
Noninterest income to average assets | 150.3116% | 6 |
Noninterest expense to average assets | 124.1750% | 7 |
Loan and lease loss provision to assets | 0.0000% | 4,941 |
Net operating income to assets | 16.9730% | 11 |
Return on assets (ROA) | 17.0126% | 12 |
Pretax return on assets | 27.6402% | 11 |
Return on Equity (ROE) | 20.4325% | 276 |
Retained earnings to average equity (ytd only) | 5.5905% | 2,670 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 81.8268% | 1,843 |
Assets per employee ($millions) | 0.1728% | 6,876 |
Cash dividends to net income (ytd only)* | 72.6389% | 997 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
Noncurrent loans to loans | NA | NA |
Net loans and leases to total assets | 0.0000% | 6,855 |
Net loans and leases to deposits | 0.0000% | 6,854 |
Net loans and leases to core deposits | 0.0000% | 6,842 |
Total domestic deposits to total assets | 7.4206% | 6,870 |
Equity capital to assets | 81.9234% | 23 |
Core capital (leverage) ratio | 81.2852% | 21 |
Tier 1 risk-based capital ratio | 195.8870% | 28 |
Total risk-based capital ratio | 195.8870% | 28 |
Memoranda: | ||
Average total assets | $6,473,500 | 6,888 |
Average earning assets | $4,449,250 | 6,882 |
Average equity | $5,390,000 | 6,039 |
Average total loans | NA | NA |
2013-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.1024% | 6,834 |
Cost of funding earning assets | 0.0000% | 6,924 |
Net interest margin | 2.1024% | 6,733 |
Noninterest income to average assets | 150.4386% | 6 |
Noninterest expense to average assets | 132.4912% | 4 |
Loan and lease loss provision to assets | 0.0000% | 4,788 |
Net operating income to assets | 11.9048% | 15 |
Return on assets (ROA) | 11.9649% | 15 |
Pretax return on assets | 19.5135% | 15 |
Return on Equity (ROE) | 14.2893% | 947 |
Retained earnings to average equity (ytd only) | -8.1546% | 6,615 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 87.2165% | 1,300 |
Assets per employee ($millions) | 0.1543% | 6,923 |
Cash dividends to net income (ytd only)* | 157.0681% | 186 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
Noncurrent loans to loans | NA | NA |
Net loans and leases to total assets | 0.0000% | 6,904 |
Net loans and leases to deposits | 0.0000% | 6,904 |
Net loans and leases to core deposits | 0.0000% | 6,892 |
Total domestic deposits to total assets | 8.1011% | 6,919 |
Equity capital to assets | 83.5548% | 21 |
Core capital (leverage) ratio | 82.7122% | 20 |
Tier 1 risk-based capital ratio | 193.5178% | 28 |
Total risk-based capital ratio | 193.5178% | 28 |
Memoranda: | ||
Average total assets | $6,385,330 | 6,937 |
Average earning assets | $4,471,000 | 6,932 |
Average equity | $5,346,670 | 6,094 |
Average total loans | NA | NA |
2013-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.0818% | 6,918 |
Cost of funding earning assets | 0.0000% | 6,994 |
Net interest margin | 2.0818% | 6,818 |
Noninterest income to average assets | 145.5946% | 6 |
Noninterest expense to average assets | 128.5274% | 4 |
Loan and lease loss provision to assets | 0.0000% | 4,409 |
Net operating income to assets | 11.3370% | 15 |
Return on assets (ROA) | 11.3370% | 15 |
Pretax return on assets | 18.5459% | 14 |
Return on Equity (ROE) | 13.5257% | 1,051 |
Retained earnings to average equity (ytd only) | 13.5257% | 495 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 87.3900% | 1,386 |
Assets per employee ($millions) | 0.1568% | 7,000 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
Noncurrent loans to loans | NA | NA |
Net loans and leases to total assets | 0.0000% | 6,982 |
Net loans and leases to deposits | 0.0000% | 6,982 |
Net loans and leases to core deposits | 0.0000% | 6,969 |
Total domestic deposits to total assets | 7.4173% | 6,996 |
Equity capital to assets | 81.9908% | 22 |
Core capital (leverage) ratio | 81.1749% | 20 |
Tier 1 risk-based capital ratio | 216.1137% | 28 |
Total risk-based capital ratio | 217.1011% | 28 |
Memoranda: | ||
Average total assets | $6,492,000 | 7,016 |
Average earning assets | $4,611,500 | 7,008 |
Average equity | $5,441,500 | 6,122 |
Average total loans | NA | NA |
2012-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.5331% | 6,929 |
Cost of funding earning assets | 0.0000% | 7,072 |
Net interest margin | 2.5331% | 6,691 |
Noninterest income to average assets | 141.7998% | 7 |
Noninterest expense to average assets | 123.7039% | 5 |
Loan and lease loss provision to assets | 0.0000% | 5,905 |
Net operating income to assets | 11.9759% | 16 |
Return on assets (ROA) | 12.3410% | 16 |
Pretax return on assets | 20.5086% | 11 |
Return on Equity (ROE) | 14.7828% | 853 |
Retained earnings to average equity (ytd only) | 5.0187% | 2,689 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 86.1196% | 1,420 |
Assets per employee ($millions) | 0.1452% | 7,065 |
Cash dividends to net income (ytd only)* | 66.0502% | 1,514 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
Noncurrent loans to loans | NA | NA |
Net loans and leases to total assets | 0.0000% | 7,047 |
Net loans and leases to deposits | 0.0000% | 7,047 |
Net loans and leases to core deposits | 0.0000% | 7,034 |
Total domestic deposits to total assets | 8.0090% | 7,058 |
Equity capital to assets | 85.7921% | 19 |
Core capital (leverage) ratio | 84.5587% | 14 |
Tier 1 risk-based capital ratio | 222.9307% | 29 |
Total risk-based capital ratio | 224.4088% | 29 |
Memoranda: | ||
Average total assets | $6,134,000 | 7,081 |
Average earning assets | $4,461,000 | 7,074 |
Average equity | $5,120,800 | 6,263 |
Average total loans | NA | NA |
2012-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.6598% | 7,010 |
Cost of funding earning assets | 0.0000% | 7,171 |
Net interest margin | 2.6598% | 6,696 |
Noninterest income to average assets | 140.3221% | 7 |
Noninterest expense to average assets | 126.4362% | 5 |
Loan and lease loss provision to assets | 0.0000% | 5,790 |
Net operating income to assets | 9.8067% | 21 |
Return on assets (ROA) | 9.8904% | 20 |
Pretax return on assets | 15.9600% | 18 |
Return on Equity (ROE) | 11.9316% | 1,660 |
Retained earnings to average equity (ytd only) | -1.2380% | 6,302 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 88.8735% | 1,122 |
Assets per employee ($millions) | 0.1383% | 7,162 |
Cash dividends to net income (ytd only)* | 110.3762% | 241 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
Noncurrent loans to loans | NA | NA |
Net loans and leases to total assets | 0.0000% | 7,148 |
Net loans and leases to deposits | 0.0000% | 7,147 |
Net loans and leases to core deposits | 0.0000% | 7,135 |
Total domestic deposits to total assets | 8.2142% | 7,163 |
Equity capital to assets | 83.7687% | 18 |
Core capital (leverage) ratio | 81.8958% | 18 |
Tier 1 risk-based capital ratio | 224.7520% | 28 |
Total risk-based capital ratio | 227.0514% | 28 |
Memoranda: | ||
Average total assets | $6,106,750 | 7,177 |
Average earning assets | $4,461,250 | 7,169 |
Average equity | $5,062,000 | 6,341 |
Average total loans | NA | NA |
2012-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.7807% | 7,048 |
Cost of funding earning assets | 0.0000% | 7,233 |
Net interest margin | 2.7807% | 6,613 |
Noninterest income to average assets | 139.1386% | 7 |
Noninterest expense to average assets | 134.1985% | 4 |
Loan and lease loss provision to assets | 0.0000% | 5,619 |
Net operating income to assets | 4.3237% | 56 |
Return on assets (ROA) | 4.4493% | 55 |
Pretax return on assets | 7.1647% | 42 |
Return on Equity (ROE) | 5.3865% | 4,632 |
Retained earnings to average equity (ytd only) | -14.4168% | 6,929 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 95.0637% | 749 |
Assets per employee ($millions) | 0.1341% | 7,226 |
Cash dividends to net income (ytd only)* | 367.6471% | 24 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
Noncurrent loans to loans | NA | NA |
Net loans and leases to total assets | 0.0000% | 7,209 |
Net loans and leases to deposits | 0.0000% | 7,209 |
Net loans and leases to core deposits | 0.0000% | 7,197 |
Total domestic deposits to total assets | 8.6685% | 7,229 |
Equity capital to assets | 82.7843% | 18 |
Core capital (leverage) ratio | 75.3025% | 24 |
Tier 1 risk-based capital ratio | 218.7441% | 25 |
Total risk-based capital ratio | 220.9934% | 25 |
Memoranda: | ||
Average total assets | $6,113,330 | 7,240 |
Average earning assets | $4,459,330 | 7,232 |
Average equity | $5,049,670 | 6,377 |
Average total loans | NA | NA |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.7673% | 7,119 |
Cost of funding earning assets | 0.0000% | 7,293 |
Net interest margin | 2.7673% | 6,681 |
Noninterest income to average assets | 137.6392% | 7 |
Noninterest expense to average assets | 130.0668% | 4 |
Loan and lease loss provision to assets | 0.0000% | 5,254 |
Net operating income to assets | 5.9586% | 37 |
Return on assets (ROA) | 5.9179% | 39 |
Pretax return on assets | 9.5450% | 33 |
Return on Equity (ROE) | 7.1718% | 3,672 |
Retained earnings to average equity (ytd only) | 7.1718% | 2,333 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 93.1207% | 876 |
Assets per employee ($millions) | 0.1457% | 7,289 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
Noncurrent loans to loans | NA | NA |
Net loans and leases to total assets | 0.0000% | 7,271 |
Net loans and leases to deposits | 0.0000% | 7,271 |
Net loans and leases to core deposits | 0.0000% | 7,258 |
Total domestic deposits to total assets | 7.9796% | 7,293 |
Equity capital to assets | 83.4344% | 18 |
Core capital (leverage) ratio | 81.7906% | 15 |
Tier 1 risk-based capital ratio | 235.8491% | 19 |
Total risk-based capital ratio | 235.8491% | 19 |
Memoranda: | ||
Average total assets | $6,286,000 | 7,303 |
Average earning assets | $4,625,500 | 7,293 |
Average equity | $5,187,000 | 6,372 |
Average total loans | NA | NA |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.7483% | 7,233 |
Cost of funding earning assets | 0.0000% | 7,346 |
Net interest margin | 2.7483% | 6,884 |
Noninterest income to average assets | 136.6560% | 8 |
Noninterest expense to average assets | 118.0254% | 6 |
Loan and lease loss provision to assets | 0.0000% | 6,496 |
Net operating income to assets | 11.5573% | 12 |
Return on assets (ROA) | 11.8818% | 13 |
Pretax return on assets | 21.1654% | 11 |
Return on Equity (ROE) | 14.8574% | 771 |
Retained earnings to average equity (ytd only) | 6.9334% | 1,532 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 85.1040% | 1,661 |
Assets per employee ($millions) | 0.1467% | 7,338 |
Cash dividends to net income (ytd only)* | 53.3333% | 1,892 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
Noncurrent loans to loans | NA | NA |
Net loans and leases to total assets | 0.0000% | 7,320 |
Net loans and leases to deposits | 0.0000% | 7,320 |
Net loans and leases to core deposits | 0.0000% | 7,305 |
Total domestic deposits to total assets | 7.9290% | 7,339 |
Equity capital to assets | 81.6048% | 17 |
Core capital (leverage) ratio | 82.2059% | 13 |
Tier 1 risk-based capital ratio | 177.5229% | 27 |
Total risk-based capital ratio | 177.5229% | 27 |
Memoranda: | ||
Average total assets | $6,312,200 | 7,352 |
Average earning assets | $4,657,400 | 7,344 |
Average equity | $5,048,000 | 6,429 |
Average total loans | NA | NA |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.7502% | 7,315 |
Cost of funding earning assets | 0.0000% | 7,423 |
Net interest margin | 2.7502% | 6,948 |
Noninterest income to average assets | 137.1787% | 8 |
Noninterest expense to average assets | 113.2737% | 6 |
Loan and lease loss provision to assets | 0.0000% | 6,393 |
Net operating income to assets | 16.0762% | 9 |
Return on assets (ROA) | 16.0493% | 9 |
Pretax return on assets | 25.8900% | 8 |
Return on Equity (ROE) | 20.1714% | 299 |
Retained earnings to average equity (ytd only) | 9.5549% | 966 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 81.3714% | 2,061 |
Assets per employee ($millions) | 0.1505% | 7,417 |
Cash dividends to net income (ytd only)* | 52.6315% | 1,473 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
Noncurrent loans to loans | NA | NA |
Net loans and leases to total assets | 0.0000% | 7,401 |
Net loans and leases to deposits | 0.0000% | 7,400 |
Net loans and leases to core deposits | 0.0000% | 7,385 |
Total domestic deposits to total assets | 7.9076% | 7,417 |
Equity capital to assets | 80.2467% | 24 |
Core capital (leverage) ratio | 80.8698% | 20 |
Tier 1 risk-based capital ratio | 202.7049% | 30 |
Total risk-based capital ratio | 202.7049% | 30 |
Memoranda: | ||
Average total assets | $6,313,750 | 7,431 |
Average earning assets | $4,654,250 | 7,422 |
Average equity | $5,023,500 | 6,491 |
Average total loans | NA | NA |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.8488% | 7,377 |
Cost of funding earning assets | 0.0000% | 7,493 |
Net interest margin | 2.8488% | 6,866 |
Noninterest income to average assets | 137.0694% | 8 |
Noninterest expense to average assets | 118.3076% | 6 |
Loan and lease loss provision to assets | 0.0000% | 6,217 |
Net operating income to assets | 12.8988% | 12 |
Return on assets (ROA) | 12.8988% | 12 |
Pretax return on assets | 20.8219% | 10 |
Return on Equity (ROE) | 16.2583% | 642 |
Retained earnings to average equity (ytd only) | 0.2796% | 5,726 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 85.0342% | 1,699 |
Assets per employee ($millions) | 0.1601% | 7,492 |
Cash dividends to net income (ytd only)* | 98.2801% | 497 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
Noncurrent loans to loans | NA | NA |
Net loans and leases to total assets | 0.0000% | 7,475 |
Net loans and leases to deposits | 0.0000% | 7,474 |
Net loans and leases to core deposits | 0.0000% | 7,460 |
Total domestic deposits to total assets | 7.4372% | 7,491 |
Equity capital to assets | 77.1679% | 32 |
Core capital (leverage) ratio | 77.5190% | 26 |
Tier 1 risk-based capital ratio | 209.2440% | 27 |
Total risk-based capital ratio | 211.0107% | 27 |
Memoranda: | ||
Average total assets | $6,310,670 | 7,507 |
Average earning assets | $4,563,330 | 7,498 |
Average equity | $5,006,670 | 6,529 |
Average total loans | NA | NA |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.8852% | 7,422 |
Cost of funding earning assets | 0.0000% | 7,555 |
Net interest margin | 2.8852% | 6,782 |
Noninterest income to average assets | 137.3413% | 8 |
Noninterest expense to average assets | 119.3873% | 6 |
Loan and lease loss provision to assets | 0.0000% | 5,840 |
Net operating income to assets | 12.4498% | 13 |
Return on assets (ROA) | 12.4498% | 13 |
Pretax return on assets | 20.1163% | 12 |
Return on Equity (ROE) | 15.4597% | 749 |
Retained earnings to average equity (ytd only) | 15.4597% | 353 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 85.5801% | 1,764 |
Assets per employee ($millions) | 0.1441% | 7,554 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
Noncurrent loans to loans | NA | NA |
Net loans and leases to total assets | 0.0000% | 7,537 |
Net loans and leases to deposits | 0.0000% | 7,537 |
Net loans and leases to core deposits | 0.0000% | 7,521 |
Total domestic deposits to total assets | 8.2590% | 7,555 |
Equity capital to assets | 82.7387% | 20 |
Core capital (leverage) ratio | 82.9386% | 19 |
Tier 1 risk-based capital ratio | 184.5269% | 31 |
Total risk-based capital ratio | 186.6790% | 31 |
Memoranda: | ||
Average total assets | $6,104,500 | 7,569 |
Average earning assets | $4,575,000 | 7,559 |
Average equity | $4,916,000 | 6,591 |
Average total loans | NA | NA |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.1212% | 7,473 |
Cost of funding earning assets | 0.0000% | 7,641 |
Net interest margin | 3.1212% | 6,463 |
Noninterest income to average assets | 130.9580% | 9 |
Noninterest expense to average assets | 114.0077% | 6 |
Loan and lease loss provision to assets | 0.0000% | 7,042 |
Net operating income to assets | 11.6781% | 12 |
Return on assets (ROA) | 12.3398% | 13 |
Pretax return on assets | 20.1539% | 11 |
Return on Equity (ROE) | 15.1781% | 694 |
Retained earnings to average equity (ytd only) | 11.1334% | 366 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 85.6379% | 1,732 |
Assets per employee ($millions) | 0.1368% | 7,637 |
Cash dividends to net income (ytd only)* | 26.6484% | 3,192 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
Noncurrent loans to loans | NA | NA |
Net loans and leases to total assets | 0.0000% | 7,616 |
Net loans and leases to deposits | 0.0000% | 7,616 |
Net loans and leases to core deposits | 0.0000% | 7,598 |
Total domestic deposits to total assets | 8.1235% | 7,633 |
Equity capital to assets | 78.3591% | 30 |
Core capital (leverage) ratio | 78.4179% | 26 |
Tier 1 risk-based capital ratio | 250.2881% | 29 |
Total risk-based capital ratio | 253.5359% | 29 |
Memoranda: | ||
Average total assets | $5,899,600 | 7,651 |
Average earning assets | $4,101,000 | 7,646 |
Average equity | $4,796,400 | 6,728 |
Average total loans | NA | NA |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.2389% | 7,592 |
Cost of funding earning assets | 0.0000% | 7,745 |
Net interest margin | 3.2389% | 6,214 |
Noninterest income to average assets | 128.9262% | 9 |
Noninterest expense to average assets | 110.3058% | 7 |
Loan and lease loss provision to assets | 0.0000% | 6,977 |
Net operating income to assets | 12.8976% | 10 |
Return on assets (ROA) | 13.0000% | 11 |
Pretax return on assets | 20.9737% | 10 |
Return on Equity (ROE) | 15.8390% | 727 |
Retained earnings to average equity (ytd only) | 12.9719% | 350 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 84.1262% | 1,824 |
Assets per employee ($millions) | 0.1319% | 7,740 |
Cash dividends to net income (ytd only)* | 18.1019% | 3,038 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
Noncurrent loans to loans | NA | NA |
Net loans and leases to total assets | 0.0000% | 7,720 |
Net loans and leases to deposits | 0.0000% | 7,720 |
Net loans and leases to core deposits | 0.0000% | 7,701 |
Total domestic deposits to total assets | 8.4246% | 7,736 |
Equity capital to assets | 80.8762% | 27 |
Core capital (leverage) ratio | 81.2286% | 25 |
Tier 1 risk-based capital ratio | 251.9425% | 31 |
Total risk-based capital ratio | 257.6370% | 31 |
Memoranda: | ||
Average total assets | $5,835,750 | 7,756 |
Average earning assets | $3,952,000 | 7,750 |
Average equity | $4,789,750 | 6,815 |
Average total loans | NA | NA |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3984% | 7,639 |
Cost of funding earning assets | 0.0000% | 7,814 |
Net interest margin | 3.3984% | 5,649 |
Noninterest income to average assets | 128.0790% | 10 |
Noninterest expense to average assets | 111.9140% | 8 |
Loan and lease loss provision to assets | 0.0000% | 6,857 |
Net operating income to assets | 11.3575% | 14 |
Return on assets (ROA) | 11.5119% | 14 |
Pretax return on assets | 18.5777% | 14 |
Return on Equity (ROE) | 13.9564% | 1,046 |
Retained earnings to average equity (ytd only) | 10.0703% | 833 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 85.9222% | 1,714 |
Assets per employee ($millions) | 0.1374% | 7,810 |
Cash dividends to net income (ytd only)* | 27.8443% | 2,587 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
Noncurrent loans to loans | NA | NA |
Net loans and leases to total assets | 0.0000% | 7,788 |
Net loans and leases to deposits | 0.0000% | 7,788 |
Net loans and leases to core deposits | 0.0000% | 7,770 |
Total domestic deposits to total assets | 8.4617% | 7,803 |
Equity capital to assets | 80.0982% | 29 |
Core capital (leverage) ratio | 80.1050% | 25 |
Tier 1 risk-based capital ratio | 226.0392% | 32 |
Total risk-based capital ratio | 231.2470% | 32 |
Memoranda: | ||
Average total assets | $5,802,670 | 7,824 |
Average earning assets | $3,707,670 | 7,821 |
Average equity | $4,786,330 | 6,847 |
Average total loans | NA | NA |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.2627% | 7,764 |
Cost of funding earning assets | 0.0000% | 7,914 |
Net interest margin | 3.2627% | 6,089 |
Noninterest income to average assets | 127.8024% | 10 |
Noninterest expense to average assets | 105.8875% | 9 |
Loan and lease loss provision to assets | 0.0000% | 6,552 |
Net operating income to assets | 14.9049% | 12 |
Return on assets (ROA) | 15.3057% | 13 |
Pretax return on assets | 24.6978% | 12 |
Return on Equity (ROE) | 18.2838% | 493 |
Retained earnings to average equity (ytd only) | 18.2838% | 235 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 81.4775% | 2,354 |
Assets per employee ($millions) | 0.1367% | 7,913 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
Noncurrent loans to loans | NA | NA |
Net loans and leases to total assets | 0.0000% | 7,889 |
Net loans and leases to deposits | 0.0000% | 7,889 |
Net loans and leases to core deposits | 0.0000% | 7,870 |
Total domestic deposits to total assets | 8.5077% | 7,905 |
Equity capital to assets | 83.8863% | 23 |
Core capital (leverage) ratio | 83.9331% | 21 |
Tier 1 risk-based capital ratio | 220.2775% | 30 |
Total risk-based capital ratio | 223.1871% | 30 |
Memoranda: | ||
Average total assets | $5,749,500 | 7,928 |
Average earning assets | $3,800,500 | 7,924 |
Average equity | $4,813,000 | 6,906 |
Average total loans | NA | NA |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1205% | 7,643 |
Cost of funding earning assets | 0.0000% | 8,000 |
Net interest margin | 4.1205% | 2,364 |
Noninterest income to average assets | 122.6075% | 10 |
Noninterest expense to average assets | 111.7804% | 8 |
Loan and lease loss provision to assets | 0.0000% | 7,427 |
Net operating income to assets | 8.8839% | 16 |
Return on assets (ROA) | 9.0820% | 15 |
Pretax return on assets | 13.6981% | 16 |
Return on Equity (ROE) | 10.5765% | 1,528 |
Retained earnings to average equity (ytd only) | 8.0198% | 695 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 89.2970% | 1,765 |
Assets per employee ($millions) | 0.1307% | 7,993 |
Cash dividends to net income (ytd only)* | 24.1736% | 3,532 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
Noncurrent loans to loans | NA | NA |
Net loans and leases to total assets | 0.0000% | 7,964 |
Net loans and leases to deposits | 0.0000% | 7,964 |
Net loans and leases to core deposits | 0.0000% | 7,957 |
Total domestic deposits to total assets | 8.8936% | 7,979 |
Equity capital to assets | 83.5290% | 23 |
Core capital (leverage) ratio | 83.3812% | 19 |
Tier 1 risk-based capital ratio | 221.3435% | 31 |
Total risk-based capital ratio | 223.7256% | 31 |
Memoranda: | ||
Average total assets | $5,329,200 | 8,008 |
Average earning assets | $3,324,800 | 8,004 |
Average equity | $4,576,200 | 7,089 |
Average total loans | NA | NA |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3070% | 7,672 |
Cost of funding earning assets | 0.0000% | 8,084 |
Net interest margin | 4.3070% | 1,710 |
Noninterest income to average assets | 119.9869% | 11 |
Noninterest expense to average assets | 107.9882% | 10 |
Loan and lease loss provision to assets | 0.0000% | 7,284 |
Net operating income to assets | 9.1159% | 17 |
Return on assets (ROA) | 9.1322% | 17 |
Pretax return on assets | 14.7384% | 16 |
Return on Equity (ROE) | 10.5579% | 1,745 |
Retained earnings to average equity (ytd only) | 9.4141% | 743 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 88.0091% | 1,875 |
Assets per employee ($millions) | 0.1238% | 8,079 |
Cash dividends to net income (ytd only)* | 10.8336% | 3,492 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
Noncurrent loans to loans | NA | NA |
Net loans and leases to total assets | 0.0000% | 8,051 |
Net loans and leases to deposits | 0.0000% | 8,051 |
Net loans and leases to core deposits | 0.0000% | 8,041 |
Total domestic deposits to total assets | 9.1811% | 8,065 |
Equity capital to assets | 87.4954% | 21 |
Core capital (leverage) ratio | 87.3561% | 20 |
Tier 1 risk-based capital ratio | 208.7400% | 35 |
Total risk-based capital ratio | 211.4020% | 35 |
Memoranda: | ||
Average total assets | $5,256,000 | 8,092 |
Average earning assets | $3,312,250 | 8,091 |
Average equity | $4,546,250 | 7,163 |
Average total loans | NA | NA |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4391% | 7,680 |
Cost of funding earning assets | 0.0000% | 8,178 |
Net interest margin | 4.4391% | 1,315 |
Noninterest income to average assets | 118.1281% | 11 |
Noninterest expense to average assets | 113.8143% | 9 |
Loan and lease loss provision to assets | 0.0000% | 7,158 |
Net operating income to assets | 4.4432% | 31 |
Return on assets (ROA) | 4.4678% | 32 |
Pretax return on assets | 7.2025% | 28 |
Return on Equity (ROE) | 5.1863% | 3,996 |
Retained earnings to average equity (ytd only) | 3.4426% | 3,403 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 94.0783% | 1,490 |
Assets per employee ($millions) | 0.1191% | 8,175 |
Cash dividends to net income (ytd only)* | 33.6207% | 2,698 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
Noncurrent loans to loans | NA | NA |
Net loans and leases to total assets | 0.0000% | 8,143 |
Net loans and leases to deposits | 0.0000% | 8,143 |
Net loans and leases to core deposits | 0.0000% | 8,133 |
Total domestic deposits to total assets | 9.7618% | 8,159 |
Equity capital to assets | 87.9734% | 18 |
Core capital (leverage) ratio | 87.8669% | 19 |
Tier 1 risk-based capital ratio | 207.1993% | 35 |
Total risk-based capital ratio | 209.2894% | 34 |
Memoranda: | ||
Average total assets | $5,192,670 | 8,187 |
Average earning assets | $3,334,000 | 8,186 |
Average equity | $4,473,330 | 7,248 |
Average total loans | NA | NA |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5104% | 7,708 |
Cost of funding earning assets | 0.0000% | 8,229 |
Net interest margin | 4.5104% | 1,111 |
Noninterest income to average assets | 114.6136% | 11 |
Noninterest expense to average assets | 107.6511% | 12 |
Loan and lease loss provision to assets | 0.0000% | 6,744 |
Net operating income to assets | 6.1484% | 23 |
Return on assets (ROA) | 6.1974% | 25 |
Pretax return on assets | 9.9464% | 21 |
Return on Equity (ROE) | 7.2695% | 3,479 |
Retained earnings to average equity (ytd only) | 3.7694% | 3,799 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 91.6016% | 1,604 |
Assets per employee ($millions) | 0.1209% | 8,227 |
Cash dividends to net income (ytd only)* | 48.1481% | 1,827 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
Noncurrent loans to loans | NA | NA |
Net loans and leases to total assets | 0.0000% | 8,196 |
Net loans and leases to deposits | 0.0000% | 8,196 |
Net loans and leases to core deposits | 0.0000% | 8,185 |
Total domestic deposits to total assets | 9.6154% | 8,213 |
Equity capital to assets | 86.1538% | 20 |
Core capital (leverage) ratio | 86.0086% | 21 |
Tier 1 risk-based capital ratio | 188.8225% | 41 |
Total risk-based capital ratio | 191.1263% | 41 |
Memoranda: | ||
Average total assets | $5,228,000 | 8,238 |
Average earning assets | $3,370,000 | 8,237 |
Average equity | $4,457,000 | 7,299 |
Average total loans | NA | NA |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8710% | 7,914 |
Cost of funding earning assets | 0.0000% | 8,290 |
Net interest margin | 4.8710% | 671 |
Noninterest income to average assets | 131.6531% | 11 |
Noninterest expense to average assets | 118.4957% | 10 |
Loan and lease loss provision to assets | 0.0000% | 7,334 |
Net operating income to assets | 10.8277% | 19 |
Return on assets (ROA) | 11.0538% | 20 |
Pretax return on assets | 16.4914% | 20 |
Return on Equity (ROE) | 13.2037% | 1,283 |
Retained earnings to average equity (ytd only) | -2.2994% | 5,951 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 88.0029% | 1,679 |
Assets per employee ($millions) | 0.1222% | 8,282 |
Cash dividends to net income (ytd only)* | 117.4147% | 711 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
Noncurrent loans to loans | NA | NA |
Net loans and leases to total assets | 0.0000% | 8,249 |
Net loans and leases to deposits | 0.0000% | 8,249 |
Net loans and leases to core deposits | 0.0000% | 8,238 |
Total domestic deposits to total assets | 9.5129% | 8,268 |
Equity capital to assets | 84.3607% | 24 |
Core capital (leverage) ratio | 84.2136% | 24 |
Tier 1 risk-based capital ratio | 199.4995% | 41 |
Total risk-based capital ratio | 199.4995% | 41 |
Memoranda: | ||
Average total assets | $5,039,000 | 8,299 |
Average earning assets | $3,100,000 | 8,300 |
Average equity | $4,218,500 | 7,423 |
Average total loans | NA | NA |