Home > Vectra Bank Colorado > Performance and Condition Ratios
Vectra Bank Colorado, Performance and Condition Ratios
2015-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6755% | 4,500 |
Cost of funding earning assets | 0.2116% | 5,273 |
Net interest margin | 3.4639% | 3,701 |
Noninterest income to average assets | 0.6714% | 2,379 |
Noninterest expense to average assets | 3.0984% | 2,223 |
Loan and lease loss provision to assets | 0.0814% | 2,544 |
Net operating income to assets | 0.5475% | 4,601 |
Return on assets (ROA) | 0.5289% | 4,779 |
Pretax return on assets | 0.7766% | 4,406 |
Return on Equity (ROE) | 4.8039% | 4,715 |
Retained earnings to average equity (ytd only) | 4.8039% | 3,050 |
Net charge-offs to loans | 0.1195% | 1,925 |
Credit loss provision to net charge-offs | 89.2558% | 2,480 |
Earnings coverage of net charge-offs (x) | 9.7098% | 2,672 |
Efficiency ratio | 77.7761% | 1,972 |
Assets per employee ($millions) | 7.2279% | 784 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3141% | 3,017 |
Loan loss allowance to noncurrent loans | 123.1278% | 3,196 |
Noncurrent assets plus other real estate owned to assets | 0.7851% | 2,927 |
Noncurrent loans to loans | 1.0672% | 2,350 |
Net loans and leases to total assets | 72.4652% | 1,987 |
Net loans and leases to deposits | 82.9019% | 2,542 |
Net loans and leases to core deposits | 90.7378% | 2,381 |
Total domestic deposits to total assets | 87.4108% | 1,840 |
Equity capital to assets | 10.6595% | 3,399 |
Core capital (leverage) ratio | 10.9445% | 2,551 |
Tier 1 risk-based capital ratio | 13.6947% | 4,027 |
Total risk-based capital ratio | 14.9462% | 3,960 |
Memoranda: | ||
Average total assets | $3,143,849,500 | 275 |
Average earning assets | $3,006,302,250 | 261 |
Average equity | $346,127,500 | 279 |
Average total loans | $2,398,357,750 | 254 |
2015-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7693% | 4,181 |
Cost of funding earning assets | 0.2113% | 5,336 |
Net interest margin | 3.5581% | 3,254 |
Noninterest income to average assets | 0.6602% | 2,417 |
Noninterest expense to average assets | 3.1274% | 2,172 |
Loan and lease loss provision to assets | 0.2294% | 814 |
Net operating income to assets | 0.4844% | 4,836 |
Return on assets (ROA) | 0.4555% | 5,055 |
Pretax return on assets | 0.6584% | 4,798 |
Return on Equity (ROE) | 4.0905% | 4,980 |
Retained earnings to average equity (ytd only) | 4.0905% | 3,420 |
Net charge-offs to loans | 0.1541% | 1,559 |
Credit loss provision to net charge-offs | 192.5462% | 1,276 |
Earnings coverage of net charge-offs (x) | 7.8041% | 2,627 |
Efficiency ratio | 77.0859% | 2,189 |
Assets per employee ($millions) | 7.1009% | 804 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4000% | 2,761 |
Loan loss allowance to noncurrent loans | 115.3028% | 3,368 |
Noncurrent assets plus other real estate owned to assets | 0.9126% | 2,707 |
Noncurrent loans to loans | 1.2142% | 2,224 |
Net loans and leases to total assets | 73.9896% | 1,662 |
Net loans and leases to deposits | 84.6491% | 2,230 |
Net loans and leases to core deposits | 95.0537% | 1,870 |
Total domestic deposits to total assets | 87.4074% | 1,958 |
Equity capital to assets | 10.7592% | 3,156 |
Core capital (leverage) ratio | 10.8029% | 2,610 |
Tier 1 risk-based capital ratio | 13.7202% | 4,086 |
Total risk-based capital ratio | 14.9727% | 4,025 |
Memoranda: | ||
Average total assets | $3,085,929,670 | 277 |
Average earning assets | $2,946,151,670 | 264 |
Average equity | $343,622,670 | 283 |
Average total loans | $2,385,768,670 | 257 |
2015-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8007% | 4,004 |
Cost of funding earning assets | 0.2039% | 5,477 |
Net interest margin | 3.5968% | 3,016 |
Noninterest income to average assets | 0.6552% | 2,380 |
Noninterest expense to average assets | 3.1739% | 2,053 |
Loan and lease loss provision to assets | 0.5110% | 198 |
Net operating income to assets | 0.3000% | 5,416 |
Return on assets (ROA) | 0.3000% | 5,517 |
Pretax return on assets | 0.4026% | 5,433 |
Return on Equity (ROE) | 2.6462% | 5,494 |
Retained earnings to average equity (ytd only) | 2.6462% | 4,362 |
Net charge-offs to loans | 0.0434% | 2,373 |
Credit loss provision to net charge-offs | 1,498.0545% | 260 |
Earnings coverage of net charge-offs (x) | 26.7821% | 1,230 |
Efficiency ratio | 77.6482% | 2,237 |
Assets per employee ($millions) | 6.2823% | 1,201 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4935% | 2,471 |
Loan loss allowance to noncurrent loans | 136.7786% | 2,980 |
Noncurrent assets plus other real estate owned to assets | 0.8683% | 2,908 |
Noncurrent loans to loans | 1.0919% | 2,580 |
Net loans and leases to total assets | 78.0583% | 913 |
Net loans and leases to deposits | 90.1030% | 1,377 |
Net loans and leases to core deposits | 102.3574% | 1,157 |
Total domestic deposits to total assets | 86.6323% | 2,585 |
Equity capital to assets | 11.3213% | 2,623 |
Core capital (leverage) ratio | 11.5711% | 1,946 |
Tier 1 risk-based capital ratio | 13.6212% | 4,266 |
Total risk-based capital ratio | 14.8751% | 4,174 |
Memoranda: | ||
Average total assets | $3,013,431,500 | 282 |
Average earning assets | $2,875,683,500 | 268 |
Average equity | $341,622,500 | 280 |
Average total loans | $2,366,406,000 | 256 |
2014-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1246% | 3,226 |
Cost of funding earning assets | 0.1650% | 6,010 |
Net interest margin | 3.9597% | 2,010 |
Noninterest income to average assets | 0.7877% | 1,919 |
Noninterest expense to average assets | 3.5710% | 1,354 |
Loan and lease loss provision to assets | -0.3082% | 6,376 |
Net operating income to assets | 0.8546% | 3,093 |
Return on assets (ROA) | 0.7818% | 3,549 |
Pretax return on assets | 1.1749% | 2,761 |
Return on Equity (ROE) | 6.4879% | 3,904 |
Retained earnings to average equity (ytd only) | 6.4879% | 1,649 |
Net charge-offs to loans | 0.0411% | 4,001 |
Credit loss provision to net charge-offs | -879.9373% | 5,880 |
Earnings coverage of net charge-offs (x) | 27.8464% | 1,420 |
Efficiency ratio | 78.5480% | 2,125 |
Assets per employee ($millions) | 6.1959% | 1,252 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3819% | 3,033 |
Loan loss allowance to noncurrent loans | 169.1658% | 2,563 |
Noncurrent assets plus other real estate owned to assets | 0.6385% | 3,664 |
Noncurrent loans to loans | 0.8169% | 3,276 |
Net loans and leases to total assets | 76.7333% | 1,165 |
Net loans and leases to deposits | 88.8035% | 1,638 |
Net loans and leases to core deposits | 101.2246% | 1,299 |
Total domestic deposits to total assets | 86.4080% | 2,616 |
Equity capital to assets | 11.3522% | 2,559 |
Core capital (leverage) ratio | 11.7722% | 1,783 |
Tier 1 risk-based capital ratio | 13.7571% | 4,262 |
Total risk-based capital ratio | 15.0097% | 4,197 |
Memoranda: | ||
Average total assets | $2,732,500,600 | 282 |
Average earning assets | $2,593,675,000 | 275 |
Average equity | $329,290,600 | 273 |
Average total loans | $2,326,701,800 | 244 |
2014-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1934% | 3,015 |
Cost of funding earning assets | 0.1536% | 6,167 |
Net interest margin | 4.0398% | 1,750 |
Noninterest income to average assets | 0.8081% | 1,863 |
Noninterest expense to average assets | 3.6237% | 1,254 |
Loan and lease loss provision to assets | -0.4745% | 6,529 |
Net operating income to assets | 0.9734% | 2,576 |
Return on assets (ROA) | 0.9191% | 2,919 |
Pretax return on assets | 1.4034% | 1,993 |
Return on Equity (ROE) | 7.5043% | 3,441 |
Retained earnings to average equity (ytd only) | 7.5043% | 1,576 |
Net charge-offs to loans | -0.0095% | 5,413 |
Credit loss provision to net charge-offs | 5,715.6627% | 69 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 78.1610% | 2,161 |
Assets per employee ($millions) | 5.8221% | 1,471 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3671% | 3,315 |
Loan loss allowance to noncurrent loans | 108.3968% | 3,471 |
Noncurrent assets plus other real estate owned to assets | 1.0513% | 2,857 |
Noncurrent loans to loans | 1.2612% | 2,534 |
Net loans and leases to total assets | 82.0174% | 504 |
Net loans and leases to deposits | 96.0136% | 882 |
Net loans and leases to core deposits | 107.2646% | 885 |
Total domestic deposits to total assets | 85.4227% | 3,147 |
Equity capital to assets | 11.8657% | 2,180 |
Core capital (leverage) ratio | 12.3163% | 1,505 |
Tier 1 risk-based capital ratio | 13.6419% | 4,452 |
Total risk-based capital ratio | 14.8947% | 4,388 |
Memoranda: | ||
Average total assets | $2,665,927,750 | 282 |
Average earning assets | $2,526,251,250 | 274 |
Average equity | $326,506,000 | 271 |
Average total loans | $2,325,048,250 | 242 |
2014-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2902% | 2,613 |
Cost of funding earning assets | 0.1419% | 6,311 |
Net interest margin | 4.1483% | 1,388 |
Noninterest income to average assets | 0.7902% | 1,879 |
Noninterest expense to average assets | 3.6998% | 1,138 |
Loan and lease loss provision to assets | -0.4827% | 6,587 |
Net operating income to assets | 0.9763% | 2,431 |
Return on assets (ROA) | 0.8917% | 2,947 |
Pretax return on assets | 1.3562% | 2,055 |
Return on Equity (ROE) | 7.1989% | 3,516 |
Retained earnings to average equity (ytd only) | 7.1989% | 1,671 |
Net charge-offs to loans | -0.0067% | 5,233 |
Credit loss provision to net charge-offs | 8,067.9487% | 45 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 78.6936% | 2,205 |
Assets per employee ($millions) | 5.0205% | 2,192 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5248% | 2,779 |
Loan loss allowance to noncurrent loans | 130.9055% | 2,994 |
Noncurrent assets plus other real estate owned to assets | 1.0331% | 3,005 |
Noncurrent loans to loans | 1.1648% | 2,897 |
Net loans and leases to total assets | 86.4222% | 158 |
Net loans and leases to deposits | 101.9428% | 453 |
Net loans and leases to core deposits | 110.8473% | 657 |
Total domestic deposits to total assets | 84.7753% | 3,612 |
Equity capital to assets | 12.4921% | 1,650 |
Core capital (leverage) ratio | 12.7922% | 1,243 |
Tier 1 risk-based capital ratio | 13.7182% | 4,434 |
Total risk-based capital ratio | 14.9733% | 4,378 |
Memoranda: | ||
Average total assets | $2,607,515,670 | 285 |
Average earning assets | $2,458,533,330 | 275 |
Average equity | $322,967,000 | 269 |
Average total loans | $2,312,548,000 | 239 |
2014-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3014% | 2,515 |
Cost of funding earning assets | 0.1327% | 6,433 |
Net interest margin | 4.1688% | 1,300 |
Noninterest income to average assets | 0.6857% | 2,250 |
Noninterest expense to average assets | 3.7764% | 1,024 |
Loan and lease loss provision to assets | -0.2826% | 6,611 |
Net operating income to assets | 0.7676% | 3,322 |
Return on assets (ROA) | 0.5919% | 4,310 |
Pretax return on assets | 0.8665% | 3,839 |
Return on Equity (ROE) | 4.7996% | 4,637 |
Retained earnings to average equity (ytd only) | 4.7996% | 3,231 |
Net charge-offs to loans | -0.0511% | 5,818 |
Credit loss provision to net charge-offs | 620.0000% | 453 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 81.7646% | 1,958 |
Assets per employee ($millions) | 5.0116% | 2,240 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7281% | 2,256 |
Loan loss allowance to noncurrent loans | 136.7877% | 2,866 |
Noncurrent assets plus other real estate owned to assets | 1.3534% | 2,610 |
Noncurrent loans to loans | 1.2634% | 2,920 |
Net loans and leases to total assets | 87.4751% | 95 |
Net loans and leases to deposits | 103.8339% | 300 |
Net loans and leases to core deposits | 108.7720% | 638 |
Total domestic deposits to total assets | 84.2452% | 4,188 |
Equity capital to assets | 12.3700% | 1,645 |
Core capital (leverage) ratio | 12.5707% | 1,354 |
Tier 1 risk-based capital ratio | 13.4514% | 4,727 |
Total risk-based capital ratio | 14.7091% | 4,658 |
Memoranda: | ||
Average total assets | $2,588,361,500 | 290 |
Average earning assets | $2,441,973,500 | 277 |
Average equity | $319,191,500 | 268 |
Average total loans | $2,307,829,000 | 237 |
2013-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4402% | 2,433 |
Cost of funding earning assets | 0.1572% | 6,508 |
Net interest margin | 4.2830% | 1,149 |
Noninterest income to average assets | 0.8751% | 1,770 |
Noninterest expense to average assets | 3.8222% | 1,102 |
Loan and lease loss provision to assets | -0.1901% | 6,590 |
Net operating income to assets | 0.8365% | 3,103 |
Return on assets (ROA) | 0.8336% | 3,198 |
Pretax return on assets | 1.2700% | 2,271 |
Return on Equity (ROE) | 6.9369% | 3,587 |
Retained earnings to average equity (ytd only) | 6.9369% | 1,459 |
Net charge-offs to loans | 0.1150% | 3,662 |
Credit loss provision to net charge-offs | -191.5814% | 5,984 |
Earnings coverage of net charge-offs (x) | 10.9276% | 2,299 |
Efficiency ratio | 77.9019% | 2,490 |
Assets per employee ($millions) | 4.9247% | 2,279 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8128% | 2,027 |
Loan loss allowance to noncurrent loans | 149.3988% | 2,677 |
Noncurrent assets plus other real estate owned to assets | 1.3510% | 2,724 |
Noncurrent loans to loans | 1.2134% | 3,117 |
Net loans and leases to total assets | 87.6932% | 99 |
Net loans and leases to deposits | 103.5024% | 339 |
Net loans and leases to core deposits | 108.4029% | 678 |
Total domestic deposits to total assets | 84.7257% | 3,881 |
Equity capital to assets | 12.2931% | 1,628 |
Core capital (leverage) ratio | 12.0227% | 1,590 |
Tier 1 risk-based capital ratio | 13.0167% | 4,959 |
Total risk-based capital ratio | 14.2752% | 4,905 |
Memoranda: | ||
Average total assets | $2,561,979,000 | 288 |
Average earning assets | $2,411,502,200 | 278 |
Average equity | $307,874,000 | 270 |
Average total loans | $2,210,152,200 | 235 |
2013-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4204% | 2,524 |
Cost of funding earning assets | 0.1623% | 6,584 |
Net interest margin | 4.2581% | 1,192 |
Noninterest income to average assets | 0.9707% | 1,535 |
Noninterest expense to average assets | 3.8803% | 990 |
Loan and lease loss provision to assets | -0.3958% | 6,806 |
Net operating income to assets | 0.9733% | 2,494 |
Return on assets (ROA) | 0.9733% | 2,593 |
Pretax return on assets | 1.4918% | 1,636 |
Return on Equity (ROE) | 8.1466% | 3,054 |
Retained earnings to average equity (ytd only) | 8.1466% | 1,356 |
Net charge-offs to loans | 0.0994% | 3,559 |
Credit loss provision to net charge-offs | -465.6250% | 6,050 |
Earnings coverage of net charge-offs (x) | 12.8934% | 2,084 |
Efficiency ratio | 77.9757% | 2,423 |
Assets per employee ($millions) | 4.8235% | 2,403 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7957% | 2,315 |
Loan loss allowance to noncurrent loans | 171.6639% | 2,279 |
Noncurrent assets plus other real estate owned to assets | 1.1777% | 3,301 |
Noncurrent loans to loans | 1.0461% | 3,709 |
Net loans and leases to total assets | 81.3103% | 422 |
Net loans and leases to deposits | 94.4862% | 797 |
Net loans and leases to core deposits | 98.8315% | 1,183 |
Total domestic deposits to total assets | 86.0552% | 3,222 |
Equity capital to assets | 11.7292% | 2,106 |
Core capital (leverage) ratio | 11.8322% | 1,789 |
Tier 1 risk-based capital ratio | 13.0418% | 5,094 |
Total risk-based capital ratio | 14.3000% | 5,043 |
Memoranda: | ||
Average total assets | $2,559,796,250 | 291 |
Average earning assets | $2,408,021,250 | 279 |
Average equity | $305,837,500 | 271 |
Average total loans | $2,188,700,750 | 235 |
2013-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4622% | 2,345 |
Cost of funding earning assets | 0.1668% | 6,636 |
Net interest margin | 4.2953% | 1,042 |
Noninterest income to average assets | 0.9870% | 1,566 |
Noninterest expense to average assets | 3.9787% | 889 |
Loan and lease loss provision to assets | -0.7469% | 6,903 |
Net operating income to assets | 1.1647% | 1,686 |
Return on assets (ROA) | 1.1647% | 1,797 |
Pretax return on assets | 1.7960% | 940 |
Return on Equity (ROE) | 9.6853% | 2,325 |
Retained earnings to average equity (ytd only) | 9.6853% | 918 |
Net charge-offs to loans | 0.0702% | 3,708 |
Credit loss provision to net charge-offs | -1,230.5882% | 6,058 |
Earnings coverage of net charge-offs (x) | 17.2837% | 1,615 |
Efficiency ratio | 79.1346% | 2,279 |
Assets per employee ($millions) | 4.6667% | 2,565 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7539% | 2,580 |
Loan loss allowance to noncurrent loans | 179.8130% | 2,166 |
Noncurrent assets plus other real estate owned to assets | 1.2192% | 3,315 |
Noncurrent loans to loans | 0.9754% | 3,986 |
Net loans and leases to total assets | 83.8796% | 244 |
Net loans and leases to deposits | 97.4746% | 574 |
Net loans and leases to core deposits | 102.5574% | 911 |
Total domestic deposits to total assets | 86.0528% | 3,337 |
Equity capital to assets | 11.9638% | 1,941 |
Core capital (leverage) ratio | 12.1263% | 1,550 |
Tier 1 risk-based capital ratio | 13.0263% | 5,127 |
Total risk-based capital ratio | 14.2846% | 5,061 |
Memoranda: | ||
Average total assets | $2,520,714,000 | 295 |
Average earning assets | $2,371,316,330 | 282 |
Average equity | $303,118,330 | 274 |
Average total loans | $2,179,429,670 | 235 |
2013-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5844% | 1,880 |
Cost of funding earning assets | 0.1683% | 6,739 |
Net interest margin | 4.4161% | 785 |
Noninterest income to average assets | 1.0215% | 1,420 |
Noninterest expense to average assets | 3.9541% | 934 |
Loan and lease loss provision to assets | -1.3779% | 7,003 |
Net operating income to assets | 1.6604% | 635 |
Return on assets (ROA) | 1.6604% | 701 |
Pretax return on assets | 2.5953% | 232 |
Return on Equity (ROE) | 13.7712% | 1,005 |
Retained earnings to average equity (ytd only) | 13.7712% | 472 |
Net charge-offs to loans | 0.0999% | 2,858 |
Credit loss provision to net charge-offs | -1,584.4444% | 5,731 |
Earnings coverage of net charge-offs (x) | 13.9981% | 1,487 |
Efficiency ratio | 76.4598% | 2,851 |
Assets per employee ($millions) | 4.4915% | 2,988 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8673% | 2,394 |
Loan loss allowance to noncurrent loans | 168.0709% | 2,169 |
Noncurrent assets plus other real estate owned to assets | 1.4061% | 3,164 |
Noncurrent loans to loans | 1.1110% | 3,925 |
Net loans and leases to total assets | 85.4267% | 142 |
Net loans and leases to deposits | 100.0041% | 352 |
Net loans and leases to core deposits | 105.2585% | 670 |
Total domestic deposits to total assets | 85.4232% | 3,833 |
Equity capital to assets | 12.4083% | 1,768 |
Core capital (leverage) ratio | 12.3563% | 1,401 |
Tier 1 risk-based capital ratio | 13.3734% | 4,958 |
Total risk-based capital ratio | 14.6328% | 4,905 |
Memoranda: | ||
Average total assets | $2,483,720,500 | 303 |
Average earning assets | $2,334,011,000 | 292 |
Average equity | $299,464,500 | 282 |
Average total loans | $2,161,505,000 | 237 |
2012-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0357% | 1,471 |
Cost of funding earning assets | 0.1892% | 6,857 |
Net interest margin | 4.8465% | 502 |
Noninterest income to average assets | 0.8596% | 1,995 |
Noninterest expense to average assets | 3.9005% | 1,101 |
Loan and lease loss provision to assets | 0.2885% | 2,358 |
Net operating income to assets | 0.7949% | 3,312 |
Return on assets (ROA) | 0.7791% | 3,626 |
Pretax return on assets | 1.1582% | 2,959 |
Return on Equity (ROE) | 6.6911% | 3,820 |
Retained earnings to average equity (ytd only) | 6.6911% | 1,726 |
Net charge-offs to loans | 0.4424% | 2,463 |
Credit loss provision to net charge-offs | 76.7751% | 3,937 |
Earnings coverage of net charge-offs (x) | 3.9127% | 3,549 |
Efficiency ratio | 72.6230% | 3,301 |
Assets per employee ($millions) | 4.7191% | 2,620 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.2448% | 1,470 |
Loan loss allowance to noncurrent loans | 163.5906% | 2,209 |
Noncurrent assets plus other real estate owned to assets | 1.6856% | 2,873 |
Noncurrent loans to loans | 1.3722% | 3,541 |
Net loans and leases to total assets | 85.0491% | 170 |
Net loans and leases to deposits | 98.6768% | 475 |
Net loans and leases to core deposits | 103.9273% | 793 |
Total domestic deposits to total assets | 86.1896% | 3,257 |
Equity capital to assets | 11.7134% | 2,258 |
Core capital (leverage) ratio | 11.5212% | 1,863 |
Tier 1 risk-based capital ratio | 12.3205% | 5,587 |
Total risk-based capital ratio | 13.5846% | 5,529 |
Memoranda: | ||
Average total assets | $2,421,015,000 | 300 |
Average earning assets | $2,253,542,200 | 291 |
Average equity | $281,898,600 | 284 |
Average total loans | $2,056,494,000 | 239 |
2012-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0945% | 1,443 |
Cost of funding earning assets | 0.1965% | 6,957 |
Net interest margin | 4.8981% | 473 |
Noninterest income to average assets | 0.8908% | 1,865 |
Noninterest expense to average assets | 3.9319% | 1,029 |
Loan and lease loss provision to assets | 0.2557% | 2,531 |
Net operating income to assets | 0.8398% | 3,263 |
Return on assets (ROA) | 0.8398% | 3,509 |
Pretax return on assets | 1.2543% | 2,775 |
Return on Equity (ROE) | 7.2237% | 3,683 |
Retained earnings to average equity (ytd only) | 7.2237% | 1,999 |
Net charge-offs to loans | 0.4759% | 2,192 |
Credit loss provision to net charge-offs | 63.6502% | 4,060 |
Earnings coverage of net charge-offs (x) | 3.7588% | 3,524 |
Efficiency ratio | 72.2526% | 3,278 |
Assets per employee ($millions) | 4.6399% | 2,687 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.2838% | 1,552 |
Loan loss allowance to noncurrent loans | 168.9616% | 2,051 |
Noncurrent assets plus other real estate owned to assets | 1.9132% | 2,763 |
Noncurrent loans to loans | 1.3517% | 3,767 |
Net loans and leases to total assets | 84.7372% | 191 |
Net loans and leases to deposits | 99.5540% | 464 |
Net loans and leases to core deposits | 105.3180% | 783 |
Total domestic deposits to total assets | 85.1169% | 3,699 |
Equity capital to assets | 11.7751% | 2,456 |
Core capital (leverage) ratio | 11.4110% | 2,047 |
Tier 1 risk-based capital ratio | 12.3881% | 5,710 |
Total risk-based capital ratio | 13.6472% | 5,675 |
Memoranda: | ||
Average total assets | $2,398,622,250 | 300 |
Average earning assets | $2,228,742,000 | 292 |
Average equity | $278,854,250 | 287 |
Average total loans | $2,024,551,500 | 245 |
2012-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1258% | 1,434 |
Cost of funding earning assets | 0.2052% | 7,021 |
Net interest margin | 4.9205% | 447 |
Noninterest income to average assets | 0.7239% | 2,537 |
Noninterest expense to average assets | 3.9752% | 972 |
Loan and lease loss provision to assets | 0.2025% | 3,054 |
Net operating income to assets | 0.7575% | 3,565 |
Return on assets (ROA) | 0.7575% | 3,840 |
Pretax return on assets | 1.1150% | 3,252 |
Return on Equity (ROE) | 6.5446% | 4,030 |
Retained earnings to average equity (ytd only) | 6.5446% | 2,363 |
Net charge-offs to loans | 0.4870% | 2,131 |
Credit loss provision to net charge-offs | 49.7216% | 4,043 |
Earnings coverage of net charge-offs (x) | 3.2353% | 3,447 |
Efficiency ratio | 75.1075% | 2,879 |
Assets per employee ($millions) | 4.4882% | 2,924 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.3973% | 1,418 |
Loan loss allowance to noncurrent loans | 151.8661% | 2,214 |
Noncurrent assets plus other real estate owned to assets | 2.1668% | 2,589 |
Noncurrent loans to loans | 1.5786% | 3,540 |
Net loans and leases to total assets | 83.5225% | 237 |
Net loans and leases to deposits | 98.1272% | 519 |
Net loans and leases to core deposits | 104.1621% | 849 |
Total domestic deposits to total assets | 85.1166% | 3,807 |
Equity capital to assets | 11.8608% | 2,258 |
Core capital (leverage) ratio | 11.4030% | 1,970 |
Tier 1 risk-based capital ratio | 12.6560% | 5,451 |
Total risk-based capital ratio | 13.9231% | 5,416 |
Memoranda: | ||
Average total assets | $2,381,541,670 | 303 |
Average earning assets | $2,211,259,330 | 294 |
Average equity | $275,647,330 | 291 |
Average total loans | $1,991,246,670 | 249 |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8715% | 2,348 |
Cost of funding earning assets | 0.2113% | 7,087 |
Net interest margin | 4.6601% | 735 |
Noninterest income to average assets | 0.7327% | 2,482 |
Noninterest expense to average assets | 4.0190% | 916 |
Loan and lease loss provision to assets | 0.1647% | 3,332 |
Net operating income to assets | 0.6064% | 4,317 |
Return on assets (ROA) | 0.6064% | 4,529 |
Pretax return on assets | 0.8722% | 4,142 |
Return on Equity (ROE) | 5.3046% | 4,643 |
Retained earnings to average equity (ytd only) | 5.3046% | 3,377 |
Net charge-offs to loans | 0.3298% | 2,331 |
Credit loss provision to net charge-offs | 60.4308% | 3,102 |
Earnings coverage of net charge-offs (x) | 3.8049% | 2,740 |
Efficiency ratio | 79.4912% | 2,269 |
Assets per employee ($millions) | 4.5366% | 2,927 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.5367% | 1,302 |
Loan loss allowance to noncurrent loans | 113.9071% | 2,741 |
Noncurrent assets plus other real estate owned to assets | 2.8635% | 2,038 |
Noncurrent loans to loans | 2.2270% | 2,889 |
Net loans and leases to total assets | 80.3981% | 373 |
Net loans and leases to deposits | 93.9476% | 671 |
Net loans and leases to core deposits | 99.3662% | 1,026 |
Total domestic deposits to total assets | 85.5777% | 3,750 |
Equity capital to assets | 11.4016% | 2,524 |
Core capital (leverage) ratio | 11.0351% | 2,234 |
Tier 1 risk-based capital ratio | 12.2446% | 5,798 |
Total risk-based capital ratio | 13.5130% | 5,752 |
Memoranda: | ||
Average total assets | $2,385,173,500 | 299 |
Average earning assets | $2,212,720,500 | 290 |
Average equity | $272,666,500 | 291 |
Average total loans | $1,970,987,500 | 247 |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2236% | 1,970 |
Cost of funding earning assets | 0.2599% | 7,166 |
Net interest margin | 4.9637% | 443 |
Noninterest income to average assets | 0.6466% | 2,912 |
Noninterest expense to average assets | 4.1253% | 885 |
Loan and lease loss provision to assets | 0.6134% | 1,684 |
Net operating income to assets | 0.3892% | 4,914 |
Return on assets (ROA) | -0.4420% | 6,497 |
Pretax return on assets | -0.8058% | 6,648 |
Return on Equity (ROE) | -3.7239% | 6,455 |
Retained earnings to average equity (ytd only) | -3.7239% | 6,347 |
Net charge-offs to loans | 1.7479% | 857 |
Credit loss provision to net charge-offs | 43.1063% | 5,572 |
Earnings coverage of net charge-offs (x) | 0.7775% | 5,213 |
Efficiency ratio | 78.8535% | 2,479 |
Assets per employee ($millions) | 4.4385% | 3,006 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.6214% | 1,165 |
Loan loss allowance to noncurrent loans | 82.6268% | 3,576 |
Noncurrent assets plus other real estate owned to assets | 3.2434% | 1,841 |
Noncurrent loans to loans | 3.1726% | 2,043 |
Net loans and leases to total assets | 80.6127% | 431 |
Net loans and leases to deposits | 94.8249% | 751 |
Net loans and leases to core deposits | 99.9297% | 1,186 |
Total domestic deposits to total assets | 85.0121% | 3,836 |
Equity capital to assets | 11.4626% | 2,535 |
Core capital (leverage) ratio | 11.0108% | 2,263 |
Tier 1 risk-based capital ratio | 12.5225% | 5,423 |
Total risk-based capital ratio | 13.7926% | 5,401 |
Memoranda: | ||
Average total assets | $2,285,078,600 | 307 |
Average earning assets | $2,110,741,000 | 296 |
Average equity | $271,193,000 | 288 |
Average total loans | $1,860,253,800 | 251 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2831% | 1,933 |
Cost of funding earning assets | 0.2729% | 7,258 |
Net interest margin | 5.0102% | 403 |
Noninterest income to average assets | 0.6026% | 3,146 |
Noninterest expense to average assets | 4.0459% | 954 |
Loan and lease loss provision to assets | 0.4217% | 2,360 |
Net operating income to assets | 0.5277% | 4,413 |
Return on assets (ROA) | 0.5064% | 4,707 |
Pretax return on assets | 0.7290% | 4,382 |
Return on Equity (ROE) | 4.2295% | 4,901 |
Retained earnings to average equity (ytd only) | 4.2295% | 3,720 |
Net charge-offs to loans | 1.3308% | 1,143 |
Credit loss provision to net charge-offs | 39.0927% | 5,271 |
Earnings coverage of net charge-offs (x) | 1.0954% | 4,809 |
Efficiency ratio | 77.3974% | 2,625 |
Assets per employee ($millions) | 4.2511% | 3,361 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.0801% | 813 |
Loan loss allowance to noncurrent loans | 97.8759% | 3,010 |
Noncurrent assets plus other real estate owned to assets | 3.6645% | 1,710 |
Noncurrent loans to loans | 3.1470% | 2,210 |
Net loans and leases to total assets | 81.3571% | 405 |
Net loans and leases to deposits | 96.3850% | 678 |
Net loans and leases to core deposits | 102.5322% | 1,068 |
Total domestic deposits to total assets | 83.7760% | 4,332 |
Equity capital to assets | 11.9890% | 2,257 |
Core capital (leverage) ratio | 12.2304% | 1,574 |
Tier 1 risk-based capital ratio | 12.5564% | 5,448 |
Total risk-based capital ratio | 13.8270% | 5,410 |
Memoranda: | ||
Average total assets | $2,267,132,750 | 309 |
Average earning assets | $2,092,765,000 | 298 |
Average equity | $271,451,750 | 288 |
Average total loans | $1,837,548,500 | 251 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2537% | 2,054 |
Cost of funding earning assets | 0.2840% | 7,333 |
Net interest margin | 4.9696% | 415 |
Noninterest income to average assets | 0.5000% | 3,852 |
Noninterest expense to average assets | 4.0583% | 961 |
Loan and lease loss provision to assets | 0.1701% | 4,232 |
Net operating income to assets | 0.5848% | 4,133 |
Return on assets (ROA) | 0.5848% | 4,265 |
Pretax return on assets | 0.8567% | 3,807 |
Return on Equity (ROE) | 4.8859% | 4,506 |
Retained earnings to average equity (ytd only) | 4.8859% | 3,069 |
Net charge-offs to loans | 0.8974% | 1,735 |
Credit loss provision to net charge-offs | 23.6694% | 5,081 |
Earnings coverage of net charge-offs (x) | 1.4286% | 4,216 |
Efficiency ratio | 79.8076% | 2,415 |
Assets per employee ($millions) | 4.2948% | 3,174 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.4311% | 628 |
Loan loss allowance to noncurrent loans | 83.6104% | 3,381 |
Noncurrent assets plus other real estate owned to assets | 4.5105% | 1,391 |
Noncurrent loans to loans | 4.1036% | 1,674 |
Net loans and leases to total assets | 78.7158% | 678 |
Net loans and leases to deposits | 94.0047% | 871 |
Net loans and leases to core deposits | 98.9786% | 1,435 |
Total domestic deposits to total assets | 83.0195% | 4,743 |
Equity capital to assets | 12.0589% | 2,054 |
Core capital (leverage) ratio | 12.3649% | 1,416 |
Tier 1 risk-based capital ratio | 12.8835% | 5,017 |
Total risk-based capital ratio | 14.1577% | 4,969 |
Memoranda: | ||
Average total assets | $2,268,989,330 | 314 |
Average earning assets | $2,093,431,330 | 306 |
Average equity | $271,556,330 | 285 |
Average total loans | $1,817,259,670 | 257 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2245% | 2,142 |
Cost of funding earning assets | 0.2949% | 7,395 |
Net interest margin | 4.9296% | 433 |
Noninterest income to average assets | 0.5504% | 3,508 |
Noninterest expense to average assets | 3.9610% | 1,085 |
Loan and lease loss provision to assets | 0.5522% | 1,565 |
Net operating income to assets | 0.4328% | 4,789 |
Return on assets (ROA) | 0.4328% | 4,872 |
Pretax return on assets | 0.6012% | 4,684 |
Return on Equity (ROE) | 3.6304% | 5,081 |
Retained earnings to average equity (ytd only) | 3.6304% | 4,001 |
Net charge-offs to loans | 1.2007% | 1,159 |
Credit loss provision to net charge-offs | 57.9327% | 3,582 |
Earnings coverage of net charge-offs (x) | 1.2101% | 3,758 |
Efficiency ratio | 77.4493% | 2,924 |
Assets per employee ($millions) | 4.0590% | 3,719 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.8019% | 488 |
Loan loss allowance to noncurrent loans | 93.0191% | 3,078 |
Noncurrent assets plus other real estate owned to assets | 4.7292% | 1,348 |
Noncurrent loans to loans | 4.0872% | 1,761 |
Net loans and leases to total assets | 76.0805% | 1,026 |
Net loans and leases to deposits | 91.0026% | 1,122 |
Net loans and leases to core deposits | 95.0928% | 1,759 |
Total domestic deposits to total assets | 83.2613% | 4,808 |
Equity capital to assets | 12.1067% | 1,855 |
Core capital (leverage) ratio | 12.0033% | 1,564 |
Tier 1 risk-based capital ratio | 12.5836% | 5,185 |
Total risk-based capital ratio | 13.8599% | 5,136 |
Memoranda: | ||
Average total assets | $2,269,644,500 | 316 |
Average earning assets | $2,101,258,000 | 306 |
Average equity | $270,605,500 | 281 |
Average total loans | $1,801,668,500 | 259 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.4993% | 2,284 |
Cost of funding earning assets | 0.4054% | 7,423 |
Net interest margin | 5.0939% | 362 |
Noninterest income to average assets | 1.0742% | 1,296 |
Noninterest expense to average assets | 3.7873% | 1,509 |
Loan and lease loss provision to assets | 1.2035% | 1,300 |
Net operating income to assets | 0.3156% | 4,880 |
Return on assets (ROA) | 0.2819% | 5,162 |
Pretax return on assets | 0.6848% | 4,026 |
Return on Equity (ROE) | 2.4775% | 5,195 |
Retained earnings to average equity (ytd only) | 2.4775% | 4,143 |
Net charge-offs to loans | 1.7004% | 1,271 |
Credit loss provision to net charge-offs | 87.2132% | 5,237 |
Earnings coverage of net charge-offs (x) | 1.4065% | 4,710 |
Efficiency ratio | 66.0711% | 4,957 |
Assets per employee ($millions) | 4.3536% | 3,104 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.8030% | 471 |
Loan loss allowance to noncurrent loans | 81.1657% | 3,488 |
Noncurrent assets plus other real estate owned to assets | 5.1569% | 1,229 |
Noncurrent loans to loans | 4.6855% | 1,486 |
Net loans and leases to total assets | 76.6377% | 1,151 |
Net loans and leases to deposits | 91.6239% | 1,304 |
Net loans and leases to core deposits | 96.3670% | 1,962 |
Total domestic deposits to total assets | 82.8930% | 4,842 |
Equity capital to assets | 11.7436% | 2,090 |
Core capital (leverage) ratio | 12.0495% | 1,511 |
Tier 1 risk-based capital ratio | 12.5540% | 4,974 |
Total risk-based capital ratio | 13.8308% | 4,942 |
Memoranda: | ||
Average total assets | $2,340,039,600 | 304 |
Average earning assets | $2,137,987,200 | 299 |
Average equity | $266,274,400 | 283 |
Average total loans | $1,899,060,200 | 251 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.5236% | 2,343 |
Cost of funding earning assets | 0.4314% | 7,535 |
Net interest margin | 5.0922% | 362 |
Noninterest income to average assets | 1.1153% | 1,127 |
Noninterest expense to average assets | 3.7406% | 1,493 |
Loan and lease loss provision to assets | 1.2163% | 1,173 |
Net operating income to assets | 0.2882% | 5,212 |
Return on assets (ROA) | 0.2414% | 5,543 |
Pretax return on assets | 0.7201% | 4,173 |
Return on Equity (ROE) | 2.1380% | 5,560 |
Retained earnings to average equity (ytd only) | 2.1380% | 4,896 |
Net charge-offs to loans | 1.5679% | 1,272 |
Credit loss provision to net charge-offs | 95.1667% | 4,555 |
Earnings coverage of net charge-offs (x) | 1.5723% | 4,544 |
Efficiency ratio | 64.9909% | 5,051 |
Assets per employee ($millions) | 4.3957% | 3,088 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.8804% | 404 |
Loan loss allowance to noncurrent loans | 69.8230% | 3,827 |
Noncurrent assets plus other real estate owned to assets | 5.6132% | 1,092 |
Noncurrent loans to loans | 5.5575% | 1,186 |
Net loans and leases to total assets | 78.9200% | 894 |
Net loans and leases to deposits | 95.1762% | 1,085 |
Net loans and leases to core deposits | 100.7704% | 1,771 |
Total domestic deposits to total assets | 81.8885% | 5,039 |
Equity capital to assets | 11.7443% | 2,328 |
Core capital (leverage) ratio | 11.9202% | 1,711 |
Tier 1 risk-based capital ratio | 12.0584% | 5,409 |
Total risk-based capital ratio | 13.3356% | 5,348 |
Memoranda: | ||
Average total assets | $2,350,374,750 | 301 |
Average earning assets | $2,139,269,750 | 296 |
Average equity | $265,355,750 | 280 |
Average total loans | $1,915,996,750 | 252 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.5160% | 2,457 |
Cost of funding earning assets | 0.4565% | 7,594 |
Net interest margin | 5.0595% | 370 |
Noninterest income to average assets | 1.1739% | 931 |
Noninterest expense to average assets | 3.6960% | 1,564 |
Loan and lease loss provision to assets | 1.4519% | 917 |
Net operating income to assets | 0.0627% | 5,965 |
Return on assets (ROA) | 0.0139% | 6,165 |
Pretax return on assets | 0.5542% | 4,724 |
Return on Equity (ROE) | 0.1248% | 6,160 |
Retained earnings to average equity (ytd only) | 0.1248% | 5,692 |
Net charge-offs to loans | 1.7176% | 1,086 |
Credit loss provision to net charge-offs | 103.9392% | 3,925 |
Earnings coverage of net charge-offs (x) | 1.4907% | 4,366 |
Efficiency ratio | 63.8958% | 5,360 |
Assets per employee ($millions) | 4.4310% | 2,999 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.9625% | 391 |
Loan loss allowance to noncurrent loans | 69.5970% | 3,867 |
Noncurrent assets plus other real estate owned to assets | 5.6557% | 1,072 |
Noncurrent loans to loans | 5.6934% | 1,146 |
Net loans and leases to total assets | 78.2890% | 1,065 |
Net loans and leases to deposits | 98.4262% | 833 |
Net loans and leases to core deposits | 103.8298% | 1,660 |
Total domestic deposits to total assets | 78.6728% | 6,116 |
Equity capital to assets | 11.5017% | 2,441 |
Core capital (leverage) ratio | 11.4587% | 1,936 |
Tier 1 risk-based capital ratio | 11.6995% | 5,585 |
Total risk-based capital ratio | 12.9775% | 5,525 |
Memoranda: | ||
Average total assets | $2,373,380,670 | 298 |
Average earning assets | $2,159,927,000 | 292 |
Average equity | $264,498,000 | 276 |
Average total loans | $1,930,284,670 | 254 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.4885% | 2,640 |
Cost of funding earning assets | 0.4896% | 7,684 |
Net interest margin | 4.9989% | 416 |
Noninterest income to average assets | 1.4058% | 614 |
Noninterest expense to average assets | 3.5910% | 1,758 |
Loan and lease loss provision to assets | 1.4684% | 803 |
Net operating income to assets | -0.1450% | 6,472 |
Return on assets (ROA) | -0.1658% | 6,578 |
Pretax return on assets | 0.8643% | 3,607 |
Return on Equity (ROE) | -1.5107% | 6,580 |
Retained earnings to average equity (ytd only) | -1.5107% | 6,127 |
Net charge-offs to loans | 1.4374% | 1,204 |
Credit loss provision to net charge-offs | 125.7468% | 2,796 |
Earnings coverage of net charge-offs (x) | 2.0253% | 3,527 |
Efficiency ratio | 60.2270% | 6,124 |
Assets per employee ($millions) | 4.4829% | 2,984 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.9407% | 400 |
Loan loss allowance to noncurrent loans | 86.8514% | 3,156 |
Noncurrent assets plus other real estate owned to assets | 4.6205% | 1,453 |
Noncurrent loans to loans | 4.5373% | 1,645 |
Net loans and leases to total assets | 77.5473% | 1,232 |
Net loans and leases to deposits | 93.2806% | 1,437 |
Net loans and leases to core deposits | 104.9962% | 1,658 |
Total domestic deposits to total assets | 82.5459% | 4,830 |
Equity capital to assets | 11.1519% | 2,630 |
Core capital (leverage) ratio | 11.1197% | 2,152 |
Tier 1 risk-based capital ratio | 11.3990% | 5,766 |
Total risk-based capital ratio | 12.6767% | 5,714 |
Memoranda: | ||
Average total assets | $2,408,011,500 | 302 |
Average earning assets | $2,191,944,000 | 300 |
Average equity | $264,240,000 | 282 |
Average total loans | $1,956,277,500 | 257 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.5105% | 4,093 |
Cost of funding earning assets | 0.9900% | 7,226 |
Net interest margin | 4.5205% | 1,139 |
Noninterest income to average assets | 1.0967% | 1,276 |
Noninterest expense to average assets | 3.6676% | 1,985 |
Loan and lease loss provision to assets | 3.0806% | 554 |
Net operating income to assets | -0.8715% | 6,490 |
Return on assets (ROA) | -1.0036% | 6,581 |
Pretax return on assets | -1.7056% | 6,821 |
Return on Equity (ROE) | -11.5040% | 6,734 |
Retained earnings to average equity (ytd only) | -11.6165% | 6,653 |
Net charge-offs to loans | 1.5601% | 1,616 |
Credit loss provision to net charge-offs | 246.7447% | 1,441 |
Earnings coverage of net charge-offs (x) | 1.2666% | 4,861 |
Efficiency ratio | 69.8080% | 4,667 |
Assets per employee ($millions) | 4.5355% | 2,867 |
Cash dividends to net income (ytd only)* | -0.9782% | 7,390 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.6989% | 447 |
Loan loss allowance to noncurrent loans | 74.8861% | 3,663 |
Noncurrent assets plus other real estate owned to assets | 4.6939% | 1,355 |
Noncurrent loans to loans | 4.9393% | 1,376 |
Net loans and leases to total assets | 78.7153% | 1,248 |
Net loans and leases to deposits | 95.7970% | 1,355 |
Net loans and leases to core deposits | 106.6929% | 3,253 |
Total domestic deposits to total assets | 80.6037% | 5,472 |
Equity capital to assets | 10.7996% | 2,868 |
Core capital (leverage) ratio | 10.9092% | 2,278 |
Tier 1 risk-based capital ratio | 10.9307% | 5,982 |
Total risk-based capital ratio | 12.2053% | 5,930 |
Memoranda: | ||
Average total assets | $2,546,616,000 | 289 |
Average earning assets | $2,339,101,000 | 287 |
Average equity | $222,157,400 | 321 |
Average total loans | $2,038,008,400 | 257 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.5139% | 4,348 |
Cost of funding earning assets | 1.1129% | 7,151 |
Net interest margin | 4.4010% | 1,439 |
Noninterest income to average assets | 1.1871% | 1,108 |
Noninterest expense to average assets | 3.7615% | 1,685 |
Loan and lease loss provision to assets | 2.8990% | 526 |
Net operating income to assets | -0.8321% | 6,712 |
Return on assets (ROA) | -0.9065% | 6,775 |
Pretax return on assets | -1.5428% | 6,987 |
Return on Equity (ROE) | -11.0130% | 6,958 |
Retained earnings to average equity (ytd only) | -11.1704% | 6,893 |
Net charge-offs to loans | 1.3763% | 1,495 |
Credit loss provision to net charge-offs | 264.5390% | 1,607 |
Earnings coverage of net charge-offs (x) | 1.3436% | 4,776 |
Efficiency ratio | 71.8032% | 4,282 |
Assets per employee ($millions) | 4.5825% | 2,724 |
Cash dividends to net income (ytd only)* | -1.4289% | 7,626 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.0775% | 627 |
Loan loss allowance to noncurrent loans | 93.8948% | 2,926 |
Noncurrent assets plus other real estate owned to assets | 3.0671% | 2,244 |
Noncurrent loans to loans | 3.2776% | 2,310 |
Net loans and leases to total assets | 79.5402% | 1,276 |
Net loans and leases to deposits | 98.6453% | 1,249 |
Net loans and leases to core deposits | 111.5431% | 3,066 |
Total domestic deposits to total assets | 79.7496% | 5,545 |
Equity capital to assets | 11.1575% | 2,867 |
Core capital (leverage) ratio | 11.2144% | 2,253 |
Tier 1 risk-based capital ratio | 11.2258% | 5,718 |
Total risk-based capital ratio | 12.4938% | 5,646 |
Memoranda: | ||
Average total assets | $2,573,246,250 | 297 |
Average earning assets | $2,366,207,500 | 294 |
Average equity | $211,816,750 | 353 |
Average total loans | $2,048,885,250 | 266 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.4601% | 4,845 |
Cost of funding earning assets | 1.2533% | 6,948 |
Net interest margin | 4.2068% | 1,974 |
Noninterest income to average assets | 1.1258% | 1,243 |
Noninterest expense to average assets | 3.7414% | 1,759 |
Loan and lease loss provision to assets | 1.6036% | 1,056 |
Net operating income to assets | -0.1697% | 6,136 |
Return on assets (ROA) | -0.2652% | 6,292 |
Pretax return on assets | -0.4977% | 6,422 |
Return on Equity (ROE) | -3.6247% | 6,438 |
Retained earnings to average equity (ytd only) | -3.7554% | 6,089 |
Net charge-offs to loans | 0.9046% | 1,891 |
Credit loss provision to net charge-offs | 224.7882% | 2,049 |
Earnings coverage of net charge-offs (x) | 1.7594% | 4,236 |
Efficiency ratio | 74.8143% | 3,906 |
Assets per employee ($millions) | 4.7627% | 2,377 |
Cash dividends to net income (ytd only)* | -3.6065% | 7,793 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8638% | 1,878 |
Loan loss allowance to noncurrent loans | 89.5069% | 3,188 |
Noncurrent assets plus other real estate owned to assets | 2.1166% | 3,037 |
Noncurrent loans to loans | 2.0823% | 3,412 |
Net loans and leases to total assets | 79.9288% | 1,325 |
Net loans and leases to deposits | 101.2635% | 1,146 |
Net loans and leases to core deposits | 117.4102% | 2,598 |
Total domestic deposits to total assets | 77.3353% | 6,242 |
Equity capital to assets | 7.3580% | 7,376 |
Core capital (leverage) ratio | 7.7587% | 6,666 |
Tier 1 risk-based capital ratio | 7.4608% | 7,968 |
Total risk-based capital ratio | 10.8150% | 7,293 |
Memoranda: | ||
Average total assets | $2,613,784,000 | 299 |
Average earning assets | $2,404,976,000 | 298 |
Average equity | $191,242,330 | 379 |
Average total loans | $2,061,196,000 | 275 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3594% | 5,614 |
Cost of funding earning assets | 1.4736% | 6,492 |
Net interest margin | 3.8859% | 3,105 |
Noninterest income to average assets | 1.0141% | 1,444 |
Noninterest expense to average assets | 3.4025% | 2,349 |
Loan and lease loss provision to assets | 1.3392% | 954 |
Net operating income to assets | -0.0495% | 6,334 |
Return on assets (ROA) | -0.2383% | 6,682 |
Pretax return on assets | -0.4496% | 6,781 |
Return on Equity (ROE) | -3.2652% | 6,804 |
Retained earnings to average equity (ytd only) | -3.2652% | 6,323 |
Net charge-offs to loans | 0.5756% | 2,026 |
Credit loss provision to net charge-offs | 299.7968% | 1,630 |
Earnings coverage of net charge-offs (x) | 2.6519% | 3,431 |
Efficiency ratio | 74.1030% | 3,809 |
Assets per employee ($millions) | 4.4327% | 2,825 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6189% | 2,450 |
Loan loss allowance to noncurrent loans | 84.0345% | 3,530 |
Noncurrent assets plus other real estate owned to assets | 1.8332% | 3,166 |
Noncurrent loans to loans | 1.9265% | 3,373 |
Net loans and leases to total assets | 78.1778% | 1,781 |
Net loans and leases to deposits | 96.1119% | 1,925 |
Net loans and leases to core deposits | 113.2225% | 3,078 |
Total domestic deposits to total assets | 79.6038% | 5,503 |
Equity capital to assets | 7.2230% | 7,544 |
Core capital (leverage) ratio | 7.5208% | 7,132 |
Tier 1 risk-based capital ratio | 7.9455% | 8,019 |
Total risk-based capital ratio | 11.4125% | 6,658 |
Memoranda: | ||
Average total assets | $2,644,268,500 | 295 |
Average earning assets | $2,431,384,000 | 297 |
Average equity | $192,946,000 | 377 |
Average total loans | $2,052,200,500 | 275 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.3271% | 3,812 |
Cost of funding earning assets | 1.9493% | 6,574 |
Net interest margin | 4.3778% | 1,756 |
Noninterest income to average assets | 1.0343% | 1,472 |
Noninterest expense to average assets | 8.6460% | 193 |
Loan and lease loss provision to assets | 0.5801% | 2,504 |
Net operating income to assets | -4.6958% | 8,064 |
Return on assets (ROA) | -4.9305% | 8,073 |
Pretax return on assets | -4.6061% | 7,977 |
Return on Equity (ROE) | -44.0225% | 8,109 |
Retained earnings to average equity (ytd only) | -47.2833% | 8,118 |
Net charge-offs to loans | 0.6654% | 1,858 |
Credit loss provision to net charge-offs | 116.8027% | 4,619 |
Earnings coverage of net charge-offs (x) | -7.6338% | 6,875 |
Efficiency ratio | 63.9316% | 5,576 |
Assets per employee ($millions) | 4.7922% | 2,183 |
Cash dividends to net income (ytd only)* | -7.4072% | 7,802 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3133% | 3,687 |
Loan loss allowance to noncurrent loans | 120.8844% | 2,967 |
Noncurrent assets plus other real estate owned to assets | 0.9816% | 4,379 |
Noncurrent loans to loans | 1.0864% | 4,390 |
Net loans and leases to total assets | 74.8642% | 2,907 |
Net loans and leases to deposits | 95.7978% | 2,473 |
Net loans and leases to core deposits | 118.6368% | 2,824 |
Total domestic deposits to total assets | 76.6188% | 6,089 |
Equity capital to assets | 7.3663% | 7,498 |
Core capital (leverage) ratio | 7.1578% | 7,560 |
Tier 1 risk-based capital ratio | 7.8234% | 8,108 |
Total risk-based capital ratio | 11.2278% | 6,637 |
Memoranda: | ||
Average total assets | $2,738,138,400 | 276 |
Average earning assets | $2,389,476,400 | 284 |
Average equity | $306,670,400 | 264 |
Average total loans | $2,043,586,400 | 267 |