Home > Wilshire Bank > Performance and Condition Ratios
Wilshire Bank, Performance and Condition Ratios
2016-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2307% | 2,403 |
Cost of funding earning assets | 0.6268% | 1,153 |
Net interest margin | 3.6039% | 3,088 |
Noninterest income to average assets | 0.8834% | 1,429 |
Noninterest expense to average assets | 2.1088% | 5,040 |
Loan and lease loss provision to assets | 0.0210% | 3,718 |
Net operating income to assets | 1.3376% | 1,194 |
Return on assets (ROA) | 1.3376% | 1,268 |
Pretax return on assets | 2.1039% | 467 |
Return on Equity (ROE) | 10.7191% | 1,755 |
Retained earnings to average equity (ytd only) | 10.7191% | 476 |
Net charge-offs to loans | -0.0143% | 4,822 |
Credit loss provision to net charge-offs | -180.5054% | 4,705 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 49.2981% | 5,604 |
Assets per employee ($millions) | 8.8905% | 407 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3721% | 2,424 |
Loan loss allowance to noncurrent loans | 184.8587% | 2,448 |
Noncurrent assets plus other real estate owned to assets | 0.8116% | 2,557 |
Noncurrent loans to loans | 0.7422% | 2,883 |
Net loans and leases to total assets | 78.3240% | 1,159 |
Net loans and leases to deposits | 94.9795% | 1,191 |
Net loans and leases to core deposits | 107.2411% | 1,076 |
Total domestic deposits to total assets | 82.4641% | 3,854 |
Equity capital to assets | 12.5733% | 1,726 |
Core capital (leverage) ratio | 11.5042% | 1,992 |
Tier 1 risk-based capital ratio | 12.9669% | 4,223 |
Total risk-based capital ratio | 14.2176% | 4,130 |
Memoranda: | ||
Average total assets | $4,768,235,670 | 211 |
Average earning assets | $4,432,744,000 | 203 |
Average equity | $594,996,330 | 192 |
Average total loans | $3,868,779,000 | 191 |
2016-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2505% | 2,297 |
Cost of funding earning assets | 0.6228% | 1,199 |
Net interest margin | 3.6277% | 2,981 |
Noninterest income to average assets | 0.6857% | 2,109 |
Noninterest expense to average assets | 2.1721% | 4,972 |
Loan and lease loss provision to assets | 0.0424% | 3,072 |
Net operating income to assets | 1.1824% | 1,611 |
Return on assets (ROA) | 1.1824% | 1,709 |
Pretax return on assets | 1.8486% | 772 |
Return on Equity (ROE) | 9.5128% | 2,195 |
Retained earnings to average equity (ytd only) | 9.5128% | 976 |
Net charge-offs to loans | 0.0245% | 2,440 |
Credit loss provision to net charge-offs | 210.9705% | 1,044 |
Earnings coverage of net charge-offs (x) | 93.9916% | 559 |
Efficiency ratio | 52.6921% | 5,470 |
Assets per employee ($millions) | 8.2897% | 509 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3556% | 2,624 |
Loan loss allowance to noncurrent loans | 150.5187% | 2,763 |
Noncurrent assets plus other real estate owned to assets | 0.9566% | 2,312 |
Noncurrent loans to loans | 0.9006% | 2,599 |
Net loans and leases to total assets | 81.2549% | 653 |
Net loans and leases to deposits | 98.8482% | 697 |
Net loans and leases to core deposits | 116.1459% | 584 |
Total domestic deposits to total assets | 82.2017% | 4,151 |
Equity capital to assets | 12.6043% | 1,619 |
Core capital (leverage) ratio | 11.2152% | 2,213 |
Tier 1 risk-based capital ratio | 12.6597% | 4,476 |
Total risk-based capital ratio | 13.9105% | 4,388 |
Memoranda: | ||
Average total assets | $4,711,915,000 | 212 |
Average earning assets | $4,386,968,000 | 205 |
Average equity | $585,651,000 | 194 |
Average total loans | $3,865,127,500 | 191 |
2015-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2676% | 2,322 |
Cost of funding earning assets | 0.5785% | 1,506 |
Net interest margin | 3.6891% | 2,787 |
Noninterest income to average assets | 0.9812% | 1,225 |
Noninterest expense to average assets | 2.1832% | 5,079 |
Loan and lease loss provision to assets | 0.0111% | 4,185 |
Net operating income to assets | 1.4131% | 1,018 |
Return on assets (ROA) | 1.4131% | 1,053 |
Pretax return on assets | 2.2127% | 336 |
Return on Equity (ROE) | 11.2797% | 1,520 |
Retained earnings to average equity (ytd only) | 5.9780% | 1,803 |
Net charge-offs to loans | -0.0918% | 5,751 |
Credit loss provision to net charge-offs | -15.2393% | 4,967 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 49.1314% | 5,792 |
Assets per employee ($millions) | 8.0738% | 541 |
Cash dividends to net income (ytd only)* | 47.0021% | 2,474 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3630% | 2,597 |
Loan loss allowance to noncurrent loans | 192.7221% | 2,320 |
Noncurrent assets plus other real estate owned to assets | 0.7727% | 2,749 |
Noncurrent loans to loans | 0.7072% | 3,069 |
Net loans and leases to total assets | 80.5720% | 767 |
Net loans and leases to deposits | 98.0562% | 809 |
Net loans and leases to core deposits | 121.0455% | 451 |
Total domestic deposits to total assets | 82.1692% | 4,122 |
Equity capital to assets | 12.2537% | 1,775 |
Core capital (leverage) ratio | 10.7654% | 2,640 |
Tier 1 risk-based capital ratio | 12.2537% | 4,793 |
Total risk-based capital ratio | 13.5054% | 4,688 |
Memoranda: | ||
Average total assets | $4,516,958,000 | 212 |
Average earning assets | $4,194,492,800 | 203 |
Average equity | $565,856,400 | 190 |
Average total loans | $3,575,534,200 | 188 |
2015-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2404% | 2,442 |
Cost of funding earning assets | 0.5622% | 1,695 |
Net interest margin | 3.6782% | 2,857 |
Noninterest income to average assets | 1.0484% | 1,090 |
Noninterest expense to average assets | 2.1625% | 5,140 |
Loan and lease loss provision to assets | 0.0149% | 3,970 |
Net operating income to assets | 1.4660% | 975 |
Return on assets (ROA) | 1.4660% | 1,018 |
Pretax return on assets | 2.2857% | 343 |
Return on Equity (ROE) | 11.6357% | 1,485 |
Retained earnings to average equity (ytd only) | 4.5327% | 3,244 |
Net charge-offs to loans | -0.0377% | 5,438 |
Credit loss provision to net charge-offs | -50.4032% | 4,970 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 48.0402% | 5,869 |
Assets per employee ($millions) | 8.0366% | 532 |
Cash dividends to net income (ytd only)* | 61.0451% | 1,366 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3751% | 2,720 |
Loan loss allowance to noncurrent loans | 146.4224% | 2,861 |
Noncurrent assets plus other real estate owned to assets | 0.9618% | 2,446 |
Noncurrent loans to loans | 0.9391% | 2,621 |
Net loans and leases to total assets | 75.9361% | 1,394 |
Net loans and leases to deposits | 90.3917% | 1,594 |
Net loans and leases to core deposits | 111.9548% | 765 |
Total domestic deposits to total assets | 84.0078% | 3,424 |
Equity capital to assets | 11.9304% | 2,156 |
Core capital (leverage) ratio | 10.8566% | 2,637 |
Tier 1 risk-based capital ratio | 12.6975% | 4,614 |
Total risk-based capital ratio | 13.9486% | 4,526 |
Memoranda: | ||
Average total assets | $4,469,448,250 | 216 |
Average earning assets | $4,149,232,500 | 206 |
Average equity | $563,125,500 | 195 |
Average total loans | $3,508,186,000 | 192 |
2015-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3005% | 2,166 |
Cost of funding earning assets | 0.5518% | 1,797 |
Net interest margin | 3.7487% | 2,516 |
Noninterest income to average assets | 1.1948% | 848 |
Noninterest expense to average assets | 2.1554% | 5,207 |
Loan and lease loss provision to assets | 0.0000% | 4,069 |
Net operating income to assets | 1.6120% | 729 |
Return on assets (ROA) | 1.6120% | 757 |
Pretax return on assets | 2.5141% | 246 |
Return on Equity (ROE) | 12.5541% | 1,205 |
Retained earnings to average equity (ytd only) | 12.5541% | 346 |
Net charge-offs to loans | -0.0113% | 4,963 |
Credit loss provision to net charge-offs | 0.0000% | 3,158 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 45.7588% | 6,050 |
Assets per employee ($millions) | 7.8371% | 566 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3772% | 2,861 |
Loan loss allowance to noncurrent loans | 125.0506% | 3,188 |
Noncurrent assets plus other real estate owned to assets | 0.9946% | 2,536 |
Noncurrent loans to loans | 1.1013% | 2,452 |
Net loans and leases to total assets | 76.2586% | 1,330 |
Net loans and leases to deposits | 89.3667% | 1,678 |
Net loans and leases to core deposits | 112.5457% | 724 |
Total domestic deposits to total assets | 85.3322% | 2,997 |
Equity capital to assets | 12.6326% | 1,584 |
Core capital (leverage) ratio | 11.5162% | 1,981 |
Tier 1 risk-based capital ratio | 13.6482% | 4,129 |
Total risk-based capital ratio | 14.8994% | 4,060 |
Memoranda: | ||
Average total assets | $4,381,414,670 | 218 |
Average earning assets | $4,061,116,330 | 210 |
Average equity | $562,590,000 | 197 |
Average total loans | $3,462,718,670 | 194 |
2015-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3009% | 2,101 |
Cost of funding earning assets | 0.5380% | 1,944 |
Net interest margin | 3.7629% | 2,381 |
Noninterest income to average assets | 1.3789% | 610 |
Noninterest expense to average assets | 2.0823% | 5,426 |
Loan and lease loss provision to assets | 0.0000% | 3,703 |
Net operating income to assets | 1.7854% | 491 |
Return on assets (ROA) | 1.7854% | 519 |
Pretax return on assets | 2.7782% | 169 |
Return on Equity (ROE) | 13.7853% | 917 |
Retained earnings to average equity (ytd only) | 13.7853% | 373 |
Net charge-offs to loans | 0.0531% | 2,245 |
Credit loss provision to net charge-offs | 0.0000% | 2,491 |
Earnings coverage of net charge-offs (x) | 65.4736% | 681 |
Efficiency ratio | 42.4487% | 6,220 |
Assets per employee ($millions) | 7.7908% | 595 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3673% | 3,070 |
Loan loss allowance to noncurrent loans | 117.8899% | 3,307 |
Noncurrent assets plus other real estate owned to assets | 1.0947% | 2,440 |
Noncurrent loans to loans | 1.1598% | 2,447 |
Net loans and leases to total assets | 78.8025% | 826 |
Net loans and leases to deposits | 95.2822% | 883 |
Net loans and leases to core deposits | 120.2488% | 406 |
Total domestic deposits to total assets | 82.7044% | 4,277 |
Equity capital to assets | 12.8013% | 1,512 |
Core capital (leverage) ratio | 11.7129% | 1,844 |
Tier 1 risk-based capital ratio | 13.2233% | 4,482 |
Total risk-based capital ratio | 14.4744% | 4,406 |
Memoranda: | ||
Average total assets | $4,279,768,000 | 218 |
Average earning assets | $3,959,861,500 | 211 |
Average equity | $554,301,000 | 195 |
Average total loans | $3,421,551,500 | 194 |
2014-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7614% | 1,188 |
Cost of funding earning assets | 0.4748% | 2,935 |
Net interest margin | 4.2866% | 1,080 |
Noninterest income to average assets | 1.0375% | 1,137 |
Noninterest expense to average assets | 2.4919% | 4,577 |
Loan and lease loss provision to assets | 0.0000% | 4,603 |
Net operating income to assets | 1.6090% | 699 |
Return on assets (ROA) | 1.6090% | 728 |
Pretax return on assets | 2.4530% | 209 |
Return on Equity (ROE) | 11.9695% | 1,420 |
Retained earnings to average equity (ytd only) | 11.9695% | 301 |
Net charge-offs to loans | 0.1618% | 2,412 |
Credit loss provision to net charge-offs | 0.0000% | 4,203 |
Earnings coverage of net charge-offs (x) | 18.8753% | 1,814 |
Efficiency ratio | 49.9074% | 6,099 |
Assets per employee ($millions) | 7.9047% | 549 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4645% | 2,626 |
Loan loss allowance to noncurrent loans | 104.0709% | 3,615 |
Noncurrent assets plus other real estate owned to assets | 1.3167% | 2,138 |
Noncurrent loans to loans | 1.4073% | 2,082 |
Net loans and leases to total assets | 78.8309% | 903 |
Net loans and leases to deposits | 95.7528% | 920 |
Net loans and leases to core deposits | 119.6825% | 417 |
Total domestic deposits to total assets | 82.3275% | 4,303 |
Equity capital to assets | 13.1114% | 1,309 |
Core capital (leverage) ratio | 11.7500% | 1,796 |
Tier 1 risk-based capital ratio | 13.7137% | 4,287 |
Total risk-based capital ratio | 14.9663% | 4,222 |
Memoranda: | ||
Average total assets | $3,800,454,400 | 226 |
Average earning assets | $3,464,240,200 | 222 |
Average equity | $510,866,200 | 202 |
Average total loans | $3,052,653,000 | 197 |
2014-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8092% | 1,090 |
Cost of funding earning assets | 0.4517% | 3,229 |
Net interest margin | 4.3574% | 941 |
Noninterest income to average assets | 1.0796% | 1,044 |
Noninterest expense to average assets | 2.5810% | 4,255 |
Loan and lease loss provision to assets | 0.0000% | 4,401 |
Net operating income to assets | 1.6009% | 755 |
Return on assets (ROA) | 1.6009% | 784 |
Pretax return on assets | 2.4579% | 228 |
Return on Equity (ROE) | 11.8284% | 1,523 |
Retained earnings to average equity (ytd only) | 11.8284% | 428 |
Net charge-offs to loans | 0.0200% | 4,130 |
Credit loss provision to net charge-offs | 0.0000% | 3,801 |
Earnings coverage of net charge-offs (x) | 153.1307% | 408 |
Efficiency ratio | 50.7283% | 6,069 |
Assets per employee ($millions) | 7.2681% | 709 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6739% | 2,056 |
Loan loss allowance to noncurrent loans | 93.0325% | 3,841 |
Noncurrent assets plus other real estate owned to assets | 1.6190% | 1,872 |
Noncurrent loans to loans | 1.7992% | 1,801 |
Net loans and leases to total assets | 79.3517% | 791 |
Net loans and leases to deposits | 97.2186% | 777 |
Net loans and leases to core deposits | 117.7270% | 446 |
Total domestic deposits to total assets | 81.6219% | 4,621 |
Equity capital to assets | 13.3856% | 1,243 |
Core capital (leverage) ratio | 12.2242% | 1,562 |
Tier 1 risk-based capital ratio | 13.8080% | 4,354 |
Total risk-based capital ratio | 15.0631% | 4,280 |
Memoranda: | ||
Average total assets | $3,713,076,500 | 227 |
Average earning assets | $3,373,829,000 | 223 |
Average equity | $502,552,750 | 202 |
Average total loans | $2,985,796,250 | 196 |
2014-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8495% | 990 |
Cost of funding earning assets | 0.4425% | 3,412 |
Net interest margin | 4.4070% | 836 |
Noninterest income to average assets | 1.1450% | 902 |
Noninterest expense to average assets | 2.7015% | 3,858 |
Loan and lease loss provision to assets | 0.0000% | 4,196 |
Net operating income to assets | 1.5909% | 716 |
Return on assets (ROA) | 1.5909% | 750 |
Pretax return on assets | 2.4395% | 233 |
Return on Equity (ROE) | 11.7082% | 1,518 |
Retained earnings to average equity (ytd only) | 11.7082% | 457 |
Net charge-offs to loans | 0.0612% | 3,104 |
Credit loss provision to net charge-offs | 0.0000% | 3,401 |
Earnings coverage of net charge-offs (x) | 49.6644% | 916 |
Efficiency ratio | 52.0477% | 6,060 |
Assets per employee ($millions) | 6.9488% | 818 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7697% | 1,922 |
Loan loss allowance to noncurrent loans | 100.3353% | 3,641 |
Noncurrent assets plus other real estate owned to assets | 1.6096% | 2,035 |
Noncurrent loans to loans | 1.7638% | 1,954 |
Net loans and leases to total assets | 79.5297% | 737 |
Net loans and leases to deposits | 98.0200% | 664 |
Net loans and leases to core deposits | 115.8822% | 476 |
Total domestic deposits to total assets | 81.1362% | 4,936 |
Equity capital to assets | 13.9101% | 1,007 |
Core capital (leverage) ratio | 12.2667% | 1,516 |
Tier 1 risk-based capital ratio | 14.3170% | 4,054 |
Total risk-based capital ratio | 15.5735% | 3,982 |
Memoranda: | ||
Average total assets | $3,640,089,330 | 227 |
Average earning assets | $3,300,580,330 | 223 |
Average equity | $494,628,670 | 207 |
Average total loans | $2,923,310,330 | 197 |
2014-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8337% | 980 |
Cost of funding earning assets | 0.4572% | 3,348 |
Net interest margin | 4.3765% | 846 |
Noninterest income to average assets | 1.1783% | 804 |
Noninterest expense to average assets | 2.8121% | 3,520 |
Loan and lease loss provision to assets | 0.0000% | 3,817 |
Net operating income to assets | 1.5197% | 781 |
Return on assets (ROA) | 1.5197% | 818 |
Pretax return on assets | 2.3301% | 294 |
Return on Equity (ROE) | 11.3202% | 1,594 |
Retained earnings to average equity (ytd only) | 11.3202% | 699 |
Net charge-offs to loans | 0.0137% | 3,328 |
Credit loss provision to net charge-offs | 0.0000% | 2,688 |
Earnings coverage of net charge-offs (x) | 213.1313% | 228 |
Efficiency ratio | 54.1866% | 5,995 |
Assets per employee ($millions) | 6.7459% | 904 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8439% | 1,916 |
Loan loss allowance to noncurrent loans | 100.1142% | 3,605 |
Noncurrent assets plus other real estate owned to assets | 1.7186% | 2,051 |
Noncurrent loans to loans | 1.8418% | 2,082 |
Net loans and leases to total assets | 78.4168% | 713 |
Net loans and leases to deposits | 96.3775% | 631 |
Net loans and leases to core deposits | 114.4073% | 454 |
Total domestic deposits to total assets | 81.3642% | 5,136 |
Equity capital to assets | 13.6134% | 1,072 |
Core capital (leverage) ratio | 11.7630% | 1,792 |
Tier 1 risk-based capital ratio | 14.0350% | 4,311 |
Total risk-based capital ratio | 15.2921% | 4,241 |
Memoranda: | ||
Average total assets | $3,622,183,500 | 227 |
Average earning assets | $3,280,692,500 | 223 |
Average equity | $486,283,000 | 209 |
Average total loans | $2,896,914,000 | 198 |
2013-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6004% | 1,876 |
Cost of funding earning assets | 0.4519% | 4,091 |
Net interest margin | 4.1485% | 1,506 |
Noninterest income to average assets | 1.1455% | 1,073 |
Noninterest expense to average assets | 2.4877% | 4,808 |
Loan and lease loss provision to assets | 0.0000% | 5,091 |
Net operating income to assets | 1.6313% | 651 |
Return on assets (ROA) | 1.6317% | 668 |
Pretax return on assets | 2.4652% | 209 |
Return on Equity (ROE) | 11.8737% | 1,463 |
Retained earnings to average equity (ytd only) | -18.1954% | 6,656 |
Net charge-offs to loans | 0.4099% | 1,640 |
Credit loss provision to net charge-offs | 0.0000% | 4,707 |
Earnings coverage of net charge-offs (x) | 7.4663% | 2,841 |
Efficiency ratio | 49.9877% | 6,398 |
Assets per employee ($millions) | 6.6332% | 934 |
Cash dividends to net income (ytd only)* | 253.2409% | 52 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8506% | 1,920 |
Loan loss allowance to noncurrent loans | 107.7705% | 3,420 |
Noncurrent assets plus other real estate owned to assets | 1.5851% | 2,346 |
Noncurrent loans to loans | 1.7171% | 2,339 |
Net loans and leases to total assets | 78.5828% | 758 |
Net loans and leases to deposits | 97.5834% | 615 |
Net loans and leases to core deposits | 119.0522% | 348 |
Total domestic deposits to total assets | 80.5288% | 5,310 |
Equity capital to assets | 13.2361% | 1,163 |
Core capital (leverage) ratio | 12.5054% | 1,357 |
Tier 1 risk-based capital ratio | 13.7714% | 4,460 |
Total risk-based capital ratio | 15.0289% | 4,399 |
Memoranda: | ||
Average total assets | $2,945,203,200 | 257 |
Average earning assets | $2,702,565,400 | 252 |
Average equity | $404,733,800 | 227 |
Average total loans | $2,371,562,000 | 219 |
2013-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5787% | 1,965 |
Cost of funding earning assets | 0.4531% | 4,243 |
Net interest margin | 4.1256% | 1,551 |
Noninterest income to average assets | 1.1821% | 1,048 |
Noninterest expense to average assets | 2.4100% | 5,001 |
Loan and lease loss provision to assets | 0.0000% | 4,941 |
Net operating income to assets | 1.7315% | 604 |
Return on assets (ROA) | 1.7320% | 625 |
Pretax return on assets | 2.5758% | 226 |
Return on Equity (ROE) | 12.4545% | 1,363 |
Retained earnings to average equity (ytd only) | -9.9804% | 6,638 |
Net charge-offs to loans | 0.6478% | 944 |
Credit loss provision to net charge-offs | 0.0000% | 4,342 |
Earnings coverage of net charge-offs (x) | 4.9274% | 3,320 |
Efficiency ratio | 48.1417% | 6,500 |
Assets per employee ($millions) | 6.9286% | 778 |
Cash dividends to net income (ytd only)* | 180.1352% | 84 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.2711% | 1,224 |
Loan loss allowance to noncurrent loans | 107.1360% | 3,308 |
Noncurrent assets plus other real estate owned to assets | 1.7565% | 2,332 |
Noncurrent loans to loans | 2.1198% | 2,103 |
Net loans and leases to total assets | 79.7613% | 576 |
Net loans and leases to deposits | 97.1585% | 614 |
Net loans and leases to core deposits | 116.1573% | 389 |
Total domestic deposits to total assets | 82.0940% | 4,891 |
Equity capital to assets | 12.6687% | 1,492 |
Core capital (leverage) ratio | 12.4785% | 1,433 |
Tier 1 risk-based capital ratio | 15.3475% | 3,538 |
Total risk-based capital ratio | 16.6112% | 3,489 |
Memoranda: | ||
Average total assets | $2,777,732,500 | 273 |
Average earning assets | $2,560,585,000 | 268 |
Average equity | $386,293,250 | 230 |
Average total loans | $2,240,852,750 | 228 |
2013-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5410% | 2,056 |
Cost of funding earning assets | 0.4510% | 4,417 |
Net interest margin | 4.0900% | 1,570 |
Noninterest income to average assets | 1.2291% | 1,029 |
Noninterest expense to average assets | 2.4335% | 4,953 |
Loan and lease loss provision to assets | 0.0000% | 4,788 |
Net operating income to assets | 1.7326% | 596 |
Return on assets (ROA) | 1.7333% | 643 |
Pretax return on assets | 2.5682% | 257 |
Return on Equity (ROE) | 12.0961% | 1,459 |
Retained earnings to average equity (ytd only) | 1.9870% | 5,007 |
Net charge-offs to loans | 0.7525% | 856 |
Credit loss provision to net charge-offs | 0.0000% | 4,003 |
Earnings coverage of net charge-offs (x) | 4.2458% | 3,180 |
Efficiency ratio | 48.4611% | 6,512 |
Assets per employee ($millions) | 6.6885% | 831 |
Cash dividends to net income (ytd only)* | 83.5736% | 832 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.4860% | 997 |
Loan loss allowance to noncurrent loans | 128.1957% | 2,863 |
Noncurrent assets plus other real estate owned to assets | 1.5755% | 2,744 |
Noncurrent loans to loans | 1.9392% | 2,464 |
Net loans and leases to total assets | 77.4481% | 807 |
Net loans and leases to deposits | 97.5247% | 570 |
Net loans and leases to core deposits | 117.6353% | 359 |
Total domestic deposits to total assets | 79.4139% | 5,733 |
Equity capital to assets | 14.0756% | 946 |
Core capital (leverage) ratio | 13.8321% | 870 |
Tier 1 risk-based capital ratio | 17.6615% | 2,456 |
Total risk-based capital ratio | 18.9281% | 2,411 |
Memoranda: | ||
Average total assets | $2,761,351,000 | 274 |
Average earning assets | $2,546,381,670 | 270 |
Average equity | $395,681,670 | 230 |
Average total loans | $2,218,753,670 | 231 |
2013-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5427% | 2,011 |
Cost of funding earning assets | 0.4613% | 4,470 |
Net interest margin | 4.0815% | 1,516 |
Noninterest income to average assets | 1.2777% | 932 |
Noninterest expense to average assets | 2.4832% | 4,815 |
Loan and lease loss provision to assets | 0.0000% | 4,409 |
Net operating income to assets | 1.7368% | 534 |
Return on assets (ROA) | 1.7368% | 591 |
Pretax return on assets | 2.5633% | 248 |
Return on Equity (ROE) | 12.0130% | 1,423 |
Retained earnings to average equity (ytd only) | 12.0130% | 703 |
Net charge-offs to loans | 0.8471% | 713 |
Credit loss provision to net charge-offs | 0.0000% | 3,239 |
Earnings coverage of net charge-offs (x) | 3.7443% | 2,688 |
Efficiency ratio | 49.0045% | 6,569 |
Assets per employee ($millions) | 6.6028% | 936 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.6161% | 995 |
Loan loss allowance to noncurrent loans | 134.9452% | 2,612 |
Noncurrent assets plus other real estate owned to assets | 1.6208% | 2,833 |
Noncurrent loans to loans | 1.9387% | 2,686 |
Net loans and leases to total assets | 79.1940% | 503 |
Net loans and leases to deposits | 100.2688% | 339 |
Net loans and leases to core deposits | 121.3880% | 266 |
Total domestic deposits to total assets | 78.9817% | 5,964 |
Equity capital to assets | 14.6536% | 837 |
Core capital (leverage) ratio | 14.3514% | 708 |
Tier 1 risk-based capital ratio | 18.2513% | 2,273 |
Total risk-based capital ratio | 19.5205% | 2,232 |
Memoranda: | ||
Average total assets | $2,750,826,500 | 276 |
Average earning assets | $2,540,050,500 | 268 |
Average equity | $397,703,000 | 234 |
Average total loans | $2,223,203,500 | 230 |
2012-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7971% | 2,212 |
Cost of funding earning assets | 0.6269% | 4,125 |
Net interest margin | 4.1702% | 1,742 |
Noninterest income to average assets | 1.0713% | 1,359 |
Noninterest expense to average assets | 2.6332% | 4,630 |
Loan and lease loss provision to assets | -1.1881% | 7,072 |
Net operating income to assets | 3.5498% | 74 |
Return on assets (ROA) | 3.5499% | 74 |
Pretax return on assets | 3.4542% | 100 |
Return on Equity (ROE) | 25.5935% | 114 |
Retained earnings to average equity (ytd only) | 4.5526% | 3,018 |
Net charge-offs to loans | 0.3790% | 2,735 |
Credit loss provision to net charge-offs | -390.2680% | 6,481 |
Earnings coverage of net charge-offs (x) | 7.4433% | 2,600 |
Efficiency ratio | 53.5295% | 6,314 |
Assets per employee ($millions) | 6.6706% | 911 |
Cash dividends to net income (ytd only)* | 82.2119% | 933 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.8670% | 764 |
Loan loss allowance to noncurrent loans | 145.9087% | 2,427 |
Noncurrent assets plus other real estate owned to assets | 1.6539% | 2,918 |
Noncurrent loans to loans | 1.9649% | 2,728 |
Net loans and leases to total assets | 78.0138% | 676 |
Net loans and leases to deposits | 98.3753% | 485 |
Net loans and leases to core deposits | 117.3840% | 327 |
Total domestic deposits to total assets | 79.3022% | 5,823 |
Equity capital to assets | 14.2612% | 951 |
Core capital (leverage) ratio | 14.5247% | 667 |
Tier 1 risk-based capital ratio | 18.0166% | 2,256 |
Total risk-based capital ratio | 19.2892% | 2,223 |
Memoranda: | ||
Average total assets | $2,659,679,400 | 274 |
Average earning assets | $2,441,349,600 | 269 |
Average equity | $368,909,400 | 238 |
Average total loans | $2,136,232,400 | 230 |
2012-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8400% | 2,239 |
Cost of funding earning assets | 0.6682% | 4,032 |
Net interest margin | 4.1718% | 1,823 |
Noninterest income to average assets | 1.1054% | 1,229 |
Noninterest expense to average assets | 2.5998% | 4,737 |
Loan and lease loss provision to assets | -1.0616% | 7,169 |
Net operating income to assets | 3.9420% | 64 |
Return on assets (ROA) | 3.9421% | 66 |
Pretax return on assets | 3.3926% | 114 |
Return on Equity (ROE) | 28.6312% | 90 |
Retained earnings to average equity (ytd only) | 5.8101% | 2,826 |
Net charge-offs to loans | 0.4801% | 2,177 |
Credit loss provision to net charge-offs | -275.2654% | 6,372 |
Earnings coverage of net charge-offs (x) | 6.0440% | 2,863 |
Efficiency ratio | 52.5087% | 6,402 |
Assets per employee ($millions) | 6.3221% | 1,048 |
Cash dividends to net income (ytd only)* | 79.7071% | 662 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.5096% | 469 |
Loan loss allowance to noncurrent loans | 139.3788% | 2,425 |
Noncurrent assets plus other real estate owned to assets | 2.1303% | 2,516 |
Noncurrent loans to loans | 2.5180% | 2,269 |
Net loans and leases to total assets | 78.2929% | 696 |
Net loans and leases to deposits | 93.4060% | 834 |
Net loans and leases to core deposits | 112.0764% | 495 |
Total domestic deposits to total assets | 83.8200% | 4,313 |
Equity capital to assets | 15.0391% | 812 |
Core capital (leverage) ratio | 14.5784% | 690 |
Tier 1 risk-based capital ratio | 18.8321% | 2,060 |
Total risk-based capital ratio | 20.1146% | 2,019 |
Memoranda: | ||
Average total assets | $2,637,523,500 | 276 |
Average earning assets | $2,418,474,000 | 269 |
Average equity | $363,151,750 | 242 |
Average total loans | $2,118,455,250 | 231 |
2012-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7856% | 2,569 |
Cost of funding earning assets | 0.6967% | 4,038 |
Net interest margin | 4.0889% | 2,135 |
Noninterest income to average assets | 1.1404% | 1,096 |
Noninterest expense to average assets | 2.5170% | 5,082 |
Loan and lease loss provision to assets | -0.6802% | 7,215 |
Net operating income to assets | 3.0256% | 101 |
Return on assets (ROA) | 3.0258% | 103 |
Pretax return on assets | 3.0542% | 146 |
Return on Equity (ROE) | 22.6638% | 222 |
Retained earnings to average equity (ytd only) | -12.5221% | 6,903 |
Net charge-offs to loans | 0.4577% | 2,233 |
Credit loss provision to net charge-offs | -185.6436% | 6,128 |
Earnings coverage of net charge-offs (x) | 6.4788% | 2,632 |
Efficiency ratio | 51.2455% | 6,559 |
Assets per employee ($millions) | 6.3429% | 1,040 |
Cash dividends to net income (ytd only)* | 155.2514% | 162 |
Condition Ratios (%) | ||
Loss allowance to loans | 4.2789% | 281 |
Loan loss allowance to noncurrent loans | 145.9825% | 2,303 |
Noncurrent assets plus other real estate owned to assets | 2.5275% | 2,216 |
Noncurrent loans to loans | 2.9311% | 2,042 |
Net loans and leases to total assets | 77.0497% | 839 |
Net loans and leases to deposits | 90.8019% | 1,067 |
Net loans and leases to core deposits | 109.2218% | 604 |
Total domestic deposits to total assets | 84.8547% | 3,927 |
Equity capital to assets | 13.6657% | 1,235 |
Core capital (leverage) ratio | 13.2375% | 1,078 |
Tier 1 risk-based capital ratio | 17.5971% | 2,441 |
Total risk-based capital ratio | 18.8906% | 2,391 |
Memoranda: | ||
Average total assets | $2,646,361,330 | 276 |
Average earning assets | $2,427,306,000 | 271 |
Average equity | $353,311,670 | 245 |
Average total loans | $2,118,410,670 | 232 |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7748% | 2,741 |
Cost of funding earning assets | 0.7102% | 4,196 |
Net interest margin | 4.0646% | 2,234 |
Noninterest income to average assets | 1.0151% | 1,388 |
Noninterest expense to average assets | 2.2068% | 6,027 |
Loan and lease loss provision to assets | 0.0000% | 5,254 |
Net operating income to assets | 2.5620% | 166 |
Return on assets (ROA) | 2.5624% | 199 |
Pretax return on assets | 2.5333% | 322 |
Return on Equity (ROE) | 19.4143% | 417 |
Retained earnings to average equity (ytd only) | -50.9915% | 7,219 |
Net charge-offs to loans | 0.5910% | 1,617 |
Credit loss provision to net charge-offs | 0.0000% | 3,998 |
Earnings coverage of net charge-offs (x) | 5.3682% | 2,391 |
Efficiency ratio | 46.3363% | 6,882 |
Assets per employee ($millions) | 6.5674% | 943 |
Cash dividends to net income (ytd only)* | 362.6488% | 43 |
Condition Ratios (%) | ||
Loss allowance to loans | 4.7073% | 216 |
Loan loss allowance to noncurrent loans | 137.1236% | 2,348 |
Noncurrent assets plus other real estate owned to assets | 2.8224% | 2,076 |
Noncurrent loans to loans | 3.4329% | 1,823 |
Net loans and leases to total assets | 75.9763% | 800 |
Net loans and leases to deposits | 88.4134% | 1,120 |
Net loans and leases to core deposits | 106.4470% | 659 |
Total domestic deposits to total assets | 85.9330% | 3,565 |
Equity capital to assets | 12.4515% | 1,750 |
Core capital (leverage) ratio | 12.0016% | 1,587 |
Tier 1 risk-based capital ratio | 17.2717% | 2,567 |
Total risk-based capital ratio | 18.5763% | 2,511 |
Memoranda: | ||
Average total assets | $2,675,600,000 | 272 |
Average earning assets | $2,451,723,500 | 265 |
Average equity | $353,141,500 | 241 |
Average total loans | $2,136,070,500 | 228 |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1918% | 2,095 |
Cost of funding earning assets | 0.8442% | 4,512 |
Net interest margin | 4.3476% | 1,550 |
Noninterest income to average assets | 0.6938% | 2,635 |
Noninterest expense to average assets | 2.2593% | 6,146 |
Loan and lease loss provision to assets | 2.1600% | 240 |
Net operating income to assets | -1.0392% | 6,753 |
Return on assets (ROA) | -1.0369% | 6,775 |
Pretax return on assets | 0.2238% | 5,730 |
Return on Equity (ROE) | -8.7292% | 6,706 |
Retained earnings to average equity (ytd only) | -8.7292% | 6,659 |
Net charge-offs to loans | 3.0080% | 325 |
Credit loss provision to net charge-offs | 88.2053% | 4,092 |
Earnings coverage of net charge-offs (x) | 0.9720% | 5,070 |
Efficiency ratio | 48.4428% | 6,923 |
Assets per employee ($millions) | 7.2349% | 645 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
Condition Ratios (%) | ||
Loss allowance to loans | 4.7866% | 202 |
Loan loss allowance to noncurrent loans | 170.2379% | 1,909 |
Noncurrent assets plus other real estate owned to assets | 2.5531% | 2,377 |
Noncurrent loans to loans | 2.8117% | 2,331 |
Net loans and leases to total assets | 76.1134% | 936 |
Net loans and leases to deposits | 92.5744% | 917 |
Net loans and leases to core deposits | 112.7093% | 546 |
Total domestic deposits to total assets | 82.2186% | 5,054 |
Equity capital to assets | 13.9369% | 1,088 |
Core capital (leverage) ratio | 13.5283% | 955 |
Tier 1 risk-based capital ratio | 19.1151% | 1,867 |
Total risk-based capital ratio | 20.4195% | 1,815 |
Memoranda: | ||
Average total assets | $2,759,350,400 | 263 |
Average earning assets | $2,504,279,200 | 257 |
Average equity | $327,760,400 | 247 |
Average total loans | $2,246,412,800 | 215 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2745% | 1,958 |
Cost of funding earning assets | 0.8688% | 4,647 |
Net interest margin | 4.4058% | 1,392 |
Noninterest income to average assets | 0.6645% | 2,804 |
Noninterest expense to average assets | 2.2608% | 6,143 |
Loan and lease loss provision to assets | 2.7903% | 131 |
Net operating income to assets | -1.6769% | 7,082 |
Return on assets (ROA) | -1.6724% | 7,089 |
Pretax return on assets | -0.3861% | 6,557 |
Return on Equity (ROE) | -14.6967% | 7,007 |
Retained earnings to average equity (ytd only) | -14.6967% | 6,982 |
Net charge-offs to loans | 3.7441% | 190 |
Credit loss provision to net charge-offs | 91.1434% | 3,734 |
Earnings coverage of net charge-offs (x) | 0.7838% | 5,028 |
Efficiency ratio | 48.2586% | 6,947 |
Assets per employee ($millions) | 7.2936% | 639 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
Condition Ratios (%) | ||
Loss allowance to loans | 4.9154% | 199 |
Loan loss allowance to noncurrent loans | 144.6610% | 2,104 |
Noncurrent assets plus other real estate owned to assets | 3.0663% | 2,087 |
Noncurrent loans to loans | 3.3979% | 2,033 |
Net loans and leases to total assets | 76.1016% | 962 |
Net loans and leases to deposits | 94.2261% | 815 |
Net loans and leases to core deposits | 115.9671% | 499 |
Total domestic deposits to total assets | 80.7649% | 5,509 |
Equity capital to assets | 13.7168% | 1,277 |
Core capital (leverage) ratio | 13.2431% | 1,129 |
Tier 1 risk-based capital ratio | 18.2610% | 2,165 |
Total risk-based capital ratio | 19.6684% | 2,077 |
Memoranda: | ||
Average total assets | $2,776,342,000 | 257 |
Average earning assets | $2,518,121,000 | 253 |
Average equity | $315,926,500 | 254 |
Average total loans | $2,270,144,500 | 215 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3951% | 1,580 |
Cost of funding earning assets | 0.8940% | 4,719 |
Net interest margin | 4.5011% | 1,129 |
Noninterest income to average assets | 0.5940% | 3,178 |
Noninterest expense to average assets | 2.2384% | 6,280 |
Loan and lease loss provision to assets | 3.9097% | 80 |
Net operating income to assets | -3.3046% | 7,340 |
Return on assets (ROA) | -3.3016% | 7,348 |
Pretax return on assets | -1.4740% | 7,055 |
Return on Equity (ROE) | -31.0393% | 7,257 |
Retained earnings to average equity (ytd only) | -31.0393% | 7,250 |
Net charge-offs to loans | 4.7460% | 146 |
Credit loss provision to net charge-offs | 100.0765% | 3,107 |
Earnings coverage of net charge-offs (x) | 0.6227% | 4,832 |
Efficiency ratio | 47.6729% | 7,075 |
Assets per employee ($millions) | 7.2950% | 628 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
Condition Ratios (%) | ||
Loss allowance to loans | 5.0505% | 181 |
Loan loss allowance to noncurrent loans | 119.7008% | 2,442 |
Noncurrent assets plus other real estate owned to assets | 3.7809% | 1,720 |
Noncurrent loans to loans | 4.2192% | 1,609 |
Net loans and leases to total assets | 77.9418% | 787 |
Net loans and leases to deposits | 96.2619% | 703 |
Net loans and leases to core deposits | 119.4895% | 432 |
Total domestic deposits to total assets | 80.9685% | 5,537 |
Equity capital to assets | 13.2344% | 1,418 |
Core capital (leverage) ratio | 12.5013% | 1,359 |
Tier 1 risk-based capital ratio | 17.1385% | 2,464 |
Total risk-based capital ratio | 18.5447% | 2,388 |
Memoranda: | ||
Average total assets | $2,809,541,000 | 256 |
Average earning assets | $2,544,842,000 | 253 |
Average equity | $298,847,330 | 266 |
Average total loans | $2,312,742,330 | 213 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.4737% | 1,371 |
Cost of funding earning assets | 0.9416% | 4,634 |
Net interest margin | 4.5321% | 1,000 |
Noninterest income to average assets | 1.0857% | 1,115 |
Noninterest expense to average assets | 2.2487% | 6,306 |
Loan and lease loss provision to assets | 6.2316% | 41 |
Net operating income to assets | -6.9884% | 7,525 |
Return on assets (ROA) | -6.9834% | 7,525 |
Pretax return on assets | -3.2904% | 7,402 |
Return on Equity (ROE) | -74.0733% | 7,473 |
Retained earnings to average equity (ytd only) | -74.0733% | 7,466 |
Net charge-offs to loans | 6.9039% | 77 |
Credit loss provision to net charge-offs | 109.5087% | 2,437 |
Earnings coverage of net charge-offs (x) | 0.5160% | 4,233 |
Efficiency ratio | 43.1522% | 7,313 |
Assets per employee ($millions) | 7.6305% | 551 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
Condition Ratios (%) | ||
Loss allowance to loans | 5.0284% | 186 |
Loan loss allowance to noncurrent loans | 121.9619% | 2,388 |
Noncurrent assets plus other real estate owned to assets | 3.6865% | 1,835 |
Noncurrent loans to loans | 4.1229% | 1,744 |
Net loans and leases to total assets | 77.8795% | 743 |
Net loans and leases to deposits | 95.1564% | 738 |
Net loans and leases to core deposits | 118.5053% | 459 |
Total domestic deposits to total assets | 81.8436% | 5,370 |
Equity capital to assets | 8.8420% | 5,426 |
Core capital (leverage) ratio | 8.0804% | 6,151 |
Tier 1 risk-based capital ratio | 10.8823% | 6,583 |
Total risk-based capital ratio | 12.2775% | 6,475 |
Memoranda: | ||
Average total assets | $2,875,671,500 | 248 |
Average earning assets | $2,601,007,500 | 247 |
Average equity | $271,110,000 | 280 |
Average total loans | $2,370,255,500 | 210 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1272% | 3,969 |
Cost of funding earning assets | 1.3481% | 3,588 |
Net interest margin | 3.7791% | 4,035 |
Noninterest income to average assets | 0.6937% | 2,876 |
Noninterest expense to average assets | 1.9104% | 7,142 |
Loan and lease loss provision to assets | 4.5045% | 107 |
Net operating income to assets | -1.1616% | 6,770 |
Return on assets (ROA) | -0.9914% | 6,720 |
Pretax return on assets | -1.9702% | 7,016 |
Return on Equity (ROE) | -9.9951% | 6,728 |
Retained earnings to average equity (ytd only) | -13.6573% | 6,824 |
Net charge-offs to loans | 4.1976% | 284 |
Credit loss provision to net charge-offs | 140.8824% | 2,676 |
Earnings coverage of net charge-offs (x) | 0.7095% | 5,401 |
Efficiency ratio | 45.4499% | 7,374 |
Assets per employee ($millions) | 7.5862% | 570 |
Cash dividends to net income (ytd only)* | -36.6401% | 7,565 |
Condition Ratios (%) | ||
Loss allowance to loans | 4.5165% | 269 |
Loan loss allowance to noncurrent loans | 128.8458% | 2,276 |
Noncurrent assets plus other real estate owned to assets | 3.4082% | 2,049 |
Noncurrent loans to loans | 3.5053% | 2,159 |
Net loans and leases to total assets | 79.0796% | 787 |
Net loans and leases to deposits | 94.8633% | 976 |
Net loans and leases to core deposits | 115.0285% | 676 |
Total domestic deposits to total assets | 83.3617% | 4,655 |
Equity capital to assets | 9.9777% | 3,769 |
Core capital (leverage) ratio | 8.9796% | 4,583 |
Tier 1 risk-based capital ratio | 12.3355% | 5,175 |
Total risk-based capital ratio | 13.7210% | 5,034 |
Memoranda: | ||
Average total assets | $3,303,368,400 | 229 |
Average earning assets | $3,046,311,000 | 225 |
Average equity | $327,671,800 | 242 |
Average total loans | $2,516,190,800 | 208 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1883% | 3,892 |
Cost of funding earning assets | 1.4038% | 3,554 |
Net interest margin | 3.7845% | 4,036 |
Noninterest income to average assets | 0.7071% | 2,786 |
Noninterest expense to average assets | 1.7473% | 7,394 |
Loan and lease loss provision to assets | 2.6055% | 385 |
Net operating income to assets | -0.1061% | 6,190 |
Return on assets (ROA) | 0.2380% | 5,561 |
Pretax return on assets | 0.2029% | 5,727 |
Return on Equity (ROE) | 2.4020% | 5,463 |
Retained earnings to average equity (ytd only) | -2.3655% | 6,261 |
Net charge-offs to loans | 1.8411% | 1,044 |
Credit loss provision to net charge-offs | 189.4080% | 1,901 |
Earnings coverage of net charge-offs (x) | 1.7915% | 4,372 |
Efficiency ratio | 41.2292% | 7,547 |
Assets per employee ($millions) | 7.8171% | 542 |
Cash dividends to net income (ytd only)* | 198.4784% | 89 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.8173% | 426 |
Loan loss allowance to noncurrent loans | 106.0079% | 2,646 |
Noncurrent assets plus other real estate owned to assets | 3.3888% | 2,101 |
Noncurrent loans to loans | 3.6009% | 2,175 |
Net loans and leases to total assets | 77.2823% | 1,168 |
Net loans and leases to deposits | 91.7289% | 1,482 |
Net loans and leases to core deposits | 109.6269% | 1,058 |
Total domestic deposits to total assets | 84.2507% | 3,983 |
Equity capital to assets | 10.4335% | 3,594 |
Core capital (leverage) ratio | 9.7317% | 3,576 |
Tier 1 risk-based capital ratio | 13.7145% | 4,042 |
Total risk-based capital ratio | 15.1719% | 3,862 |
Memoranda: | ||
Average total assets | $3,387,656,750 | 225 |
Average earning assets | $3,137,031,750 | 217 |
Average equity | $335,600,000 | 232 |
Average total loans | $2,531,082,250 | 204 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1638% | 4,121 |
Cost of funding earning assets | 1.4711% | 3,420 |
Net interest margin | 3.6927% | 4,400 |
Noninterest income to average assets | 0.6196% | 3,200 |
Noninterest expense to average assets | 1.7563% | 7,445 |
Loan and lease loss provision to assets | 2.8017% | 374 |
Net operating income to assets | -0.1621% | 6,306 |
Return on assets (ROA) | 0.0664% | 6,050 |
Pretax return on assets | -0.1540% | 6,294 |
Return on Equity (ROE) | 0.6814% | 6,036 |
Retained earnings to average equity (ytd only) | -6.4788% | 6,695 |
Net charge-offs to loans | 1.7211% | 1,083 |
Credit loss provision to net charge-offs | 223.1378% | 1,743 |
Earnings coverage of net charge-offs (x) | 1.8244% | 4,156 |
Efficiency ratio | 43.1337% | 7,549 |
Assets per employee ($millions) | 8.2544% | 454 |
Cash dividends to net income (ytd only)* | 1,050.7881% | 18 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.5502% | 528 |
Loan loss allowance to noncurrent loans | 89.3086% | 3,041 |
Noncurrent assets plus other real estate owned to assets | 3.1715% | 2,234 |
Noncurrent loans to loans | 3.9752% | 1,915 |
Net loans and leases to total assets | 72.3277% | 2,316 |
Net loans and leases to deposits | 85.1935% | 2,662 |
Net loans and leases to core deposits | 100.8796% | 1,931 |
Total domestic deposits to total assets | 84.8982% | 3,687 |
Equity capital to assets | 9.6800% | 4,427 |
Core capital (leverage) ratio | 9.2266% | 4,258 |
Tier 1 risk-based capital ratio | 13.3025% | 4,206 |
Total risk-based capital ratio | 14.7530% | 4,026 |
Memoranda: | ||
Average total assets | $3,440,724,330 | 223 |
Average earning assets | $3,193,512,670 | 214 |
Average equity | $335,186,000 | 232 |
Average total loans | $2,510,095,000 | 206 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1611% | 4,237 |
Cost of funding earning assets | 1.5213% | 3,416 |
Net interest margin | 3.6399% | 4,540 |
Noninterest income to average assets | 0.5556% | 3,604 |
Noninterest expense to average assets | 1.6123% | 7,649 |
Loan and lease loss provision to assets | 1.9662% | 564 |
Net operating income to assets | 0.2474% | 5,504 |
Return on assets (ROA) | 0.4435% | 4,778 |
Pretax return on assets | 0.6496% | 4,418 |
Return on Equity (ROE) | 4.5386% | 4,634 |
Retained earnings to average equity (ytd only) | -9.7224% | 6,949 |
Net charge-offs to loans | 0.8581% | 1,825 |
Credit loss provision to net charge-offs | 318.5325% | 1,249 |
Earnings coverage of net charge-offs (x) | 3.7703% | 2,793 |
Efficiency ratio | 40.6550% | 7,714 |
Assets per employee ($millions) | 8.4716% | 431 |
Cash dividends to net income (ytd only)* | 314.2184% | 93 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.2509% | 667 |
Loan loss allowance to noncurrent loans | 64.2094% | 4,162 |
Noncurrent assets plus other real estate owned to assets | 3.7262% | 1,866 |
Noncurrent loans to loans | 5.0629% | 1,422 |
Net loans and leases to total assets | 68.5175% | 3,273 |
Net loans and leases to deposits | 80.5084% | 3,552 |
Net loans and leases to core deposits | 94.5619% | 2,759 |
Total domestic deposits to total assets | 85.1060% | 3,606 |
Equity capital to assets | 9.6673% | 4,278 |
Core capital (leverage) ratio | 9.4521% | 3,847 |
Tier 1 risk-based capital ratio | 14.0013% | 3,652 |
Total risk-based capital ratio | 15.4544% | 3,504 |
Memoranda: | ||
Average total assets | $3,444,177,500 | 229 |
Average earning assets | $3,202,096,000 | 217 |
Average equity | $336,582,500 | 236 |
Average total loans | $2,477,631,500 | 210 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.6522% | 3,341 |
Cost of funding earning assets | 2.0042% | 2,942 |
Net interest margin | 3.6480% | 4,359 |
Noninterest income to average assets | 1.5311% | 608 |
Noninterest expense to average assets | 1.8974% | 7,511 |
Loan and lease loss provision to assets | 2.2394% | 925 |
Net operating income to assets | 0.5221% | 3,643 |
Return on assets (ROA) | 0.7634% | 2,759 |
Pretax return on assets | 1.1657% | 2,050 |
Return on Equity (ROE) | 7.1807% | 2,720 |
Retained earnings to average equity (ytd only) | 7.1807% | 905 |
Net charge-offs to loans | 1.5157% | 1,655 |
Credit loss provision to net charge-offs | 189.7044% | 2,116 |
Earnings coverage of net charge-offs (x) | 2.5702% | 3,832 |
Efficiency ratio | 38.0683% | 7,884 |
Assets per employee ($millions) | 8.5799% | 402 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.4778% | 1,260 |
Loan loss allowance to noncurrent loans | 69.5776% | 3,932 |
Noncurrent assets plus other real estate owned to assets | 2.7125% | 2,577 |
Noncurrent loans to loans | 3.5612% | 2,132 |
Net loans and leases to total assets | 71.2515% | 2,938 |
Net loans and leases to deposits | 86.2876% | 2,859 |
Net loans and leases to core deposits | 119.9723% | 1,950 |
Total domestic deposits to total assets | 82.5745% | 4,713 |
Equity capital to assets | 9.8785% | 3,915 |
Core capital (leverage) ratio | 9.7138% | 3,431 |
Tier 1 risk-based capital ratio | 14.2870% | 3,330 |
Total risk-based capital ratio | 15.7297% | 3,171 |
Memoranda: | ||
Average total assets | $3,006,553,200 | 248 |
Average earning assets | $2,802,428,600 | 239 |
Average equity | $319,622,400 | 239 |
Average total loans | $2,341,606,000 | 226 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.6059% | 3,832 |
Cost of funding earning assets | 2.0462% | 3,135 |
Net interest margin | 3.5597% | 4,634 |
Noninterest income to average assets | 1.7484% | 477 |
Noninterest expense to average assets | 1.8368% | 7,625 |
Loan and lease loss provision to assets | 1.9671% | 924 |
Net operating income to assets | 0.8040% | 2,797 |
Return on assets (ROA) | 0.8507% | 2,682 |
Pretax return on assets | 1.3391% | 1,850 |
Return on Equity (ROE) | 7.8379% | 2,711 |
Retained earnings to average equity (ytd only) | 7.8379% | 1,184 |
Net charge-offs to loans | 1.0138% | 1,946 |
Credit loss provision to net charge-offs | 244.6566% | 1,774 |
Earnings coverage of net charge-offs (x) | 4.0213% | 3,297 |
Efficiency ratio | 35.8780% | 7,975 |
Assets per employee ($millions) | 8.6755% | 404 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1760% | 1,463 |
Loan loss allowance to noncurrent loans | 58.3579% | 4,464 |
Noncurrent assets plus other real estate owned to assets | 2.9641% | 2,337 |
Noncurrent loans to loans | 3.7288% | 2,000 |
Net loans and leases to total assets | 72.9124% | 2,820 |
Net loans and leases to deposits | 91.7994% | 2,264 |
Net loans and leases to core deposits | 139.6725% | 931 |
Total domestic deposits to total assets | 79.4258% | 5,649 |
Equity capital to assets | 10.1645% | 3,888 |
Core capital (leverage) ratio | 9.9034% | 3,394 |
Tier 1 risk-based capital ratio | 14.1010% | 3,488 |
Total risk-based capital ratio | 15.6264% | 3,289 |
Memoranda: | ||
Average total assets | $2,900,206,000 | 267 |
Average earning assets | $2,706,154,000 | 257 |
Average equity | $314,772,000 | 249 |
Average total loans | $2,300,147,500 | 240 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3753% | 5,276 |
Cost of funding earning assets | 2.0725% | 3,406 |
Net interest margin | 3.3028% | 5,542 |
Noninterest income to average assets | 2.2388% | 314 |
Noninterest expense to average assets | 1.8458% | 7,692 |
Loan and lease loss provision to assets | 1.3729% | 1,256 |
Net operating income to assets | 1.2607% | 1,328 |
Return on assets (ROA) | 1.3349% | 1,222 |
Pretax return on assets | 2.2117% | 353 |
Return on Equity (ROE) | 11.9868% | 1,414 |
Retained earnings to average equity (ytd only) | 11.9868% | 445 |
Net charge-offs to loans | 0.8526% | 1,987 |
Credit loss provision to net charge-offs | 198.1263% | 2,308 |
Earnings coverage of net charge-offs (x) | 5.0060% | 2,933 |
Efficiency ratio | 34.5278% | 8,077 |
Assets per employee ($millions) | 7.5318% | 606 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5505% | 2,950 |
Loan loss allowance to noncurrent loans | 63.5440% | 4,266 |
Noncurrent assets plus other real estate owned to assets | 2.1114% | 3,047 |
Noncurrent loans to loans | 2.4400% | 2,964 |
Net loans and leases to total assets | 77.6107% | 1,837 |
Net loans and leases to deposits | 99.9323% | 1,292 |
Net loans and leases to core deposits | 176.3953% | 255 |
Total domestic deposits to total assets | 77.6633% | 6,163 |
Equity capital to assets | 10.6190% | 3,281 |
Core capital (leverage) ratio | 12.1323% | 1,780 |
Tier 1 risk-based capital ratio | 12.9662% | 4,171 |
Total risk-based capital ratio | 14.4604% | 3,913 |
Memoranda: | ||
Average total assets | $2,742,021,670 | 289 |
Average earning assets | $2,553,496,330 | 279 |
Average equity | $305,353,330 | 258 |
Average total loans | $2,228,412,670 | 258 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.6574% | 4,010 |
Cost of funding earning assets | 2.1924% | 3,201 |
Net interest margin | 3.4650% | 4,875 |
Noninterest income to average assets | 0.5468% | 3,953 |
Noninterest expense to average assets | 1.7520% | 7,759 |
Loan and lease loss provision to assets | 1.1092% | 1,179 |
Net operating income to assets | 0.5863% | 4,073 |
Return on assets (ROA) | 0.5876% | 4,263 |
Pretax return on assets | 0.9272% | 3,613 |
Return on Equity (ROE) | 5.1272% | 4,419 |
Retained earnings to average equity (ytd only) | 5.1272% | 3,049 |
Net charge-offs to loans | 0.4377% | 2,357 |
Credit loss provision to net charge-offs | 306.0699% | 1,588 |
Earnings coverage of net charge-offs (x) | 5.6135% | 2,642 |
Efficiency ratio | 45.9626% | 7,845 |
Assets per employee ($millions) | 7.5175% | 615 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6234% | 2,427 |
Loan loss allowance to noncurrent loans | 89.5825% | 3,351 |
Noncurrent assets plus other real estate owned to assets | 1.7025% | 3,364 |
Noncurrent loans to loans | 1.8122% | 3,546 |
Net loans and leases to total assets | 79.3477% | 1,508 |
Net loans and leases to deposits | 107.8206% | 737 |
Net loans and leases to core deposits | 215.4492% | 106 |
Total domestic deposits to total assets | 73.5923% | 6,948 |
Equity capital to assets | 12.3576% | 2,051 |
Core capital (leverage) ratio | 12.3896% | 1,726 |
Tier 1 risk-based capital ratio | 14.6684% | 3,219 |
Total risk-based capital ratio | 16.2063% | 3,018 |
Memoranda: | ||
Average total assets | $2,527,589,000 | 309 |
Average earning assets | $2,363,201,500 | 303 |
Average equity | $289,671,000 | 271 |
Average total loans | $2,092,765,500 | 271 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.8764% | 1,476 |
Cost of funding earning assets | 2.8524% | 2,471 |
Net interest margin | 4.0240% | 3,006 |
Noninterest income to average assets | 0.8542% | 2,204 |
Noninterest expense to average assets | 1.9649% | 7,512 |
Loan and lease loss provision to assets | 0.5527% | 2,609 |
Net operating income to assets | 1.2822% | 1,536 |
Return on assets (ROA) | 1.2823% | 1,483 |
Pretax return on assets | 2.0862% | 501 |
Return on Equity (ROE) | 12.3080% | 1,512 |
Retained earnings to average equity (ytd only) | 12.3080% | 207 |
Net charge-offs to loans | 0.2556% | 3,717 |
Credit loss provision to net charge-offs | 256.9403% | 1,807 |
Earnings coverage of net charge-offs (x) | 12.2664% | 2,266 |
Efficiency ratio | 42.4033% | 8,063 |
Assets per employee ($millions) | 7.0305% | 701 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4142% | 3,113 |
Loan loss allowance to noncurrent loans | 129.6213% | 2,799 |
Noncurrent assets plus other real estate owned to assets | 1.0421% | 4,214 |
Noncurrent loans to loans | 1.0910% | 4,377 |
Net loans and leases to total assets | 83.8752% | 901 |
Net loans and leases to deposits | 108.6728% | 924 |
Net loans and leases to core deposits | 200.3975% | 170 |
Total domestic deposits to total assets | 77.1814% | 5,946 |
Equity capital to assets | 10.5038% | 3,500 |
Core capital (leverage) ratio | 10.2429% | 3,220 |
Tier 1 risk-based capital ratio | 11.8601% | 4,934 |
Total risk-based capital ratio | 13.5924% | 4,442 |
Memoranda: | ||
Average total assets | $2,327,503,200 | 315 |
Average earning assets | $2,168,722,800 | 310 |
Average equity | $242,492,200 | 312 |
Average total loans | $1,959,001,400 | 280 |