Home > Atlantic Capital Bank > Performance and Condition Ratios
Atlantic Capital Bank, Performance and Condition Ratios
2021-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.9577% | 3,943 |
Cost of funding earning assets | 0.0881% | 4,474 |
Net interest margin | 2.8696% | 3,511 |
Noninterest income to average assets | 0.4558% | 2,784 |
Noninterest expense to average assets | 1.5993% | 4,423 |
Loan and lease loss provision to assets | -0.2242% | 4,731 |
Net operating income to assets | 1.4176% | 1,222 |
Return on assets (ROA) | 1.4176% | 1,291 |
Pretax return on assets | 1.7811% | 952 |
Return on Equity (ROE) | 13.0196% | 1,464 |
Retained earnings to average equity (ytd only) | 13.0196% | 402 |
Net charge-offs to loans | 0.0617% | 1,161 |
Credit loss provision to net charge-offs | -580.7067% | 3,786 |
Earnings coverage of net charge-offs (x) | 42.1491% | 1,406 |
Efficiency ratio | 50.6720% | 4,231 |
Assets per employee ($millions) | 18.9052% | 122 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9364% | 3,975 |
Loan loss allowance to noncurrent loans | 534.3449% | 1,359 |
Noncurrent assets plus other real estate owned to assets | 0.1087% | 3,167 |
Noncurrent loans to loans | 0.1752% | 3,075 |
Net loans and leases to total assets | 61.4620% | 2,008 |
Net loans and leases to deposits | 70.3694% | 2,092 |
Net loans and leases to core deposits | 72.4744% | 2,214 |
Total domestic deposits to total assets | 87.3418% | 2,366 |
Equity capital to assets | 11.5401% | 1,488 |
Core capital (leverage) ratio | 10.6559% | 1,791 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 15.0833% | 1,819 |
Memoranda: | ||
Average total assets | $3,830,910,800 | 313 |
Average earning assets | $3,604,900,200 | 303 |
Average equity | $417,126,200 | 308 |
Average total loans | $2,294,317,400 | 325 |
2021-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.9467% | 4,088 |
Cost of funding earning assets | 0.0966% | 4,525 |
Net interest margin | 2.8501% | 3,656 |
Noninterest income to average assets | 0.4386% | 2,891 |
Noninterest expense to average assets | 1.5759% | 4,493 |
Loan and lease loss provision to assets | -0.2732% | 4,815 |
Net operating income to assets | 1.4545% | 1,384 |
Return on assets (ROA) | 1.4546% | 1,444 |
Pretax return on assets | 1.8166% | 1,123 |
Return on Equity (ROE) | 13.5608% | 1,533 |
Retained earnings to average equity (ytd only) | 13.5608% | 565 |
Net charge-offs to loans | 0.0460% | 1,206 |
Credit loss provision to net charge-offs | -905.6051% | 3,829 |
Earnings coverage of net charge-offs (x) | 56.5325% | 1,165 |
Efficiency ratio | 50.5218% | 4,175 |
Assets per employee ($millions) | 19.8586% | 104 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0467% | 3,681 |
Loan loss allowance to noncurrent loans | 586.8040% | 1,210 |
Noncurrent assets plus other real estate owned to assets | 0.0968% | 3,457 |
Noncurrent loans to loans | 0.1784% | 3,238 |
Net loans and leases to total assets | 53.7230% | 3,004 |
Net loans and leases to deposits | 60.5457% | 3,183 |
Net loans and leases to core deposits | 60.5840% | 3,435 |
Total domestic deposits to total assets | 88.7313% | 1,440 |
Equity capital to assets | 10.2069% | 2,702 |
Core capital (leverage) ratio | 10.2140% | 2,299 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 15.6030% | 1,761 |
Memoranda: | ||
Average total assets | $3,833,928,000 | 311 |
Average earning assets | $3,605,869,000 | 306 |
Average equity | $411,233,000 | 308 |
Average total loans | $2,275,566,500 | 330 |
2021-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.0485% | 3,960 |
Cost of funding earning assets | 0.1048% | 4,545 |
Net interest margin | 2.9437% | 3,463 |
Noninterest income to average assets | 0.4158% | 3,031 |
Noninterest expense to average assets | 1.6346% | 4,463 |
Loan and lease loss provision to assets | -0.2940% | 4,832 |
Net operating income to assets | 1.4782% | 1,354 |
Return on assets (ROA) | 1.4783% | 1,414 |
Pretax return on assets | 1.8368% | 1,150 |
Return on Equity (ROE) | 13.5338% | 1,555 |
Retained earnings to average equity (ytd only) | 13.5338% | 632 |
Net charge-offs to loans | 0.0710% | 920 |
Credit loss provision to net charge-offs | -605.7001% | 3,528 |
Earnings coverage of net charge-offs (x) | 35.4461% | 1,226 |
Efficiency ratio | 51.4478% | 4,104 |
Assets per employee ($millions) | 17.9106% | 133 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1534% | 3,174 |
Loan loss allowance to noncurrent loans | 502.9457% | 1,270 |
Noncurrent assets plus other real estate owned to assets | 0.1379% | 3,325 |
Noncurrent loans to loans | 0.2293% | 3,140 |
Net loans and leases to total assets | 59.2403% | 2,516 |
Net loans and leases to deposits | 67.5154% | 2,670 |
Net loans and leases to core deposits | 67.5846% | 2,991 |
Total domestic deposits to total assets | 87.7435% | 1,962 |
Equity capital to assets | 11.0471% | 1,946 |
Core capital (leverage) ratio | 10.1153% | 2,289 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 15.6411% | 1,745 |
Memoranda: | ||
Average total assets | $3,708,566,000 | 316 |
Average earning assets | $3,478,909,000 | 313 |
Average equity | $405,073,333 | 308 |
Average total loans | $2,272,198,667 | 330 |
2021-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.9500% | 4,185 |
Cost of funding earning assets | 0.1127% | 4,567 |
Net interest margin | 2.8372% | 3,676 |
Noninterest income to average assets | 0.4175% | 2,997 |
Noninterest expense to average assets | 1.6483% | 4,466 |
Loan and lease loss provision to assets | -0.4921% | 4,917 |
Net operating income to assets | 1.5769% | 1,169 |
Return on assets (ROA) | 1.5771% | 1,226 |
Pretax return on assets | 1.9226% | 1,075 |
Return on Equity (ROE) | 14.5241% | 1,322 |
Retained earnings to average equity (ytd only) | 14.5241% | 688 |
Net charge-offs to loans | 0.0418% | 1,046 |
Credit loss provision to net charge-offs | -1,711.7647% | 3,513 |
Earnings coverage of net charge-offs (x) | 55.1891% | 860 |
Efficiency ratio | 53.5406% | 3,843 |
Assets per employee ($millions) | 17.8549% | 132 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1945% | 2,962 |
Loan loss allowance to noncurrent loans | 1,337.8405% | 531 |
Noncurrent assets plus other real estate owned to assets | 0.0555% | 3,980 |
Noncurrent loans to loans | 0.0893% | 3,856 |
Net loans and leases to total assets | 60.9687% | 2,409 |
Net loans and leases to deposits | 69.1749% | 2,586 |
Net loans and leases to core deposits | 69.2958% | 2,932 |
Total domestic deposits to total assets | 88.1370% | 1,772 |
Equity capital to assets | 10.7796% | 2,025 |
Core capital (leverage) ratio | 10.1752% | 2,356 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 15.8791% | 1,609 |
Memoranda: | ||
Average total assets | $3,673,278,500 | 319 |
Average earning assets | $3,445,345,500 | 313 |
Average equity | $398,868,000 | 309 |
Average total loans | $2,275,848,500 | 330 |
2020-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5624% | 3,899 |
Cost of funding earning assets | 0.2848% | 4,223 |
Net interest margin | 3.2776% | 3,133 |
Noninterest income to average assets | 0.3785% | 3,220 |
Noninterest expense to average assets | 1.7453% | 4,550 |
Loan and lease loss provision to assets | 0.5793% | 361 |
Net operating income to assets | 0.8795% | 2,786 |
Return on assets (ROA) | 0.8789% | 2,928 |
Pretax return on assets | 1.0776% | 2,779 |
Return on Equity (ROE) | 6.9876% | 3,214 |
Retained earnings to average equity (ytd only) | 3.6875% | 2,987 |
Net charge-offs to loans | 0.1129% | 1,349 |
Credit loss provision to net charge-offs | 700.2972% | 992 |
Earnings coverage of net charge-offs (x) | 21.1979% | 1,908 |
Efficiency ratio | 51.2871% | 4,443 |
Assets per employee ($millions) | 17.9845% | 116 |
Cash dividends to net income (ytd only)* | 47.2286% | 1,992 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4147% | 1,911 |
Loan loss allowance to noncurrent loans | 654.4220% | 936 |
Noncurrent assets plus other real estate owned to assets | 0.1349% | 3,611 |
Noncurrent loans to loans | 0.2162% | 3,429 |
Net loans and leases to total assets | 61.3358% | 2,685 |
Net loans and leases to deposits | 69.7413% | 2,907 |
Net loans and leases to core deposits | 69.8904% | 3,261 |
Total domestic deposits to total assets | 87.9476% | 1,497 |
Equity capital to assets | 10.9402% | 2,309 |
Core capital (leverage) ratio | 10.6367% | 2,054 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 15.4034% | 1,715 |
Memoranda: | ||
Average total assets | $3,011,530,800 | 335 |
Average earning assets | $2,778,885,800 | 334 |
Average equity | $378,770,600 | 308 |
Average total loans | $2,086,116,000 | 347 |
2020-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7595% | 3,662 |
Cost of funding earning assets | 0.3415% | 4,100 |
Net interest margin | 3.4180% | 2,855 |
Noninterest income to average assets | 0.3770% | 3,199 |
Noninterest expense to average assets | 1.8376% | 4,429 |
Loan and lease loss provision to assets | 0.7907% | 230 |
Net operating income to assets | 0.7381% | 3,325 |
Return on assets (ROA) | 0.7381% | 3,425 |
Pretax return on assets | 0.8866% | 3,415 |
Return on Equity (ROE) | 5.6369% | 3,679 |
Retained earnings to average equity (ytd only) | 1.1877% | 4,185 |
Net charge-offs to loans | 0.1339% | 1,078 |
Credit loss provision to net charge-offs | 791.9669% | 990 |
Earnings coverage of net charge-offs (x) | 17.5204% | 2,012 |
Efficiency ratio | 52.2807% | 4,320 |
Assets per employee ($millions) | 14.4729% | 183 |
Cash dividends to net income (ytd only)* | 78.9291% | 610 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4571% | 1,511 |
Loan loss allowance to noncurrent loans | 588.3416% | 925 |
Noncurrent assets plus other real estate owned to assets | 0.2047% | 3,413 |
Noncurrent loans to loans | 0.2477% | 3,412 |
Net loans and leases to total assets | 73.7810% | 1,403 |
Net loans and leases to deposits | 86.3583% | 1,655 |
Net loans and leases to core deposits | 90.0057% | 1,966 |
Total domestic deposits to total assets | 85.4359% | 2,273 |
Equity capital to assets | 13.1736% | 1,113 |
Core capital (leverage) ratio | 11.4590% | 1,607 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 15.6247% | 1,618 |
Memoranda: | ||
Average total assets | $2,860,693,000 | 346 |
Average earning assets | $2,626,273,750 | 342 |
Average equity | $374,594,500 | 306 |
Average total loans | $2,045,386,000 | 345 |
2020-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8273% | 3,791 |
Cost of funding earning assets | 0.4269% | 3,914 |
Net interest margin | 3.4004% | 3,106 |
Noninterest income to average assets | 0.3740% | 3,236 |
Noninterest expense to average assets | 1.8123% | 4,544 |
Loan and lease loss provision to assets | 1.1929% | 141 |
Net operating income to assets | 0.4162% | 4,203 |
Return on assets (ROA) | 0.4162% | 4,262 |
Pretax return on assets | 0.4862% | 4,274 |
Return on Equity (ROE) | 3.1853% | 4,308 |
Retained earnings to average equity (ytd only) | -3.5518% | 4,695 |
Net charge-offs to loans | 0.1709% | 870 |
Credit loss provision to net charge-offs | 915.7001% | 839 |
Earnings coverage of net charge-offs (x) | 13.9666% | 1,969 |
Efficiency ratio | 51.9073% | 4,360 |
Assets per employee ($millions) | 13.8966% | 203 |
Cash dividends to net income (ytd only)* | 211.5059% | 94 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4459% | 1,425 |
Loan loss allowance to noncurrent loans | 504.4693% | 999 |
Noncurrent assets plus other real estate owned to assets | 0.2437% | 3,344 |
Noncurrent loans to loans | 0.2866% | 3,352 |
Net loans and leases to total assets | 74.5287% | 1,337 |
Net loans and leases to deposits | 89.0410% | 1,443 |
Net loans and leases to core deposits | 91.6418% | 1,938 |
Total domestic deposits to total assets | 83.7015% | 2,848 |
Equity capital to assets | 12.9680% | 1,179 |
Core capital (leverage) ratio | 11.2469% | 1,795 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 14.3882% | 2,035 |
Memoranda: | ||
Average total assets | $2,839,751,333 | 342 |
Average earning assets | $2,603,382,000 | 336 |
Average equity | $371,081,667 | 306 |
Average total loans | $1,997,550,000 | 347 |
2020-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0306% | 3,707 |
Cost of funding earning assets | 0.6527% | 3,154 |
Net interest margin | 3.3779% | 3,367 |
Noninterest income to average assets | 0.3826% | 3,215 |
Noninterest expense to average assets | 1.8272% | 4,632 |
Loan and lease loss provision to assets | 1.1475% | 170 |
Net operating income to assets | 0.4358% | 4,059 |
Return on assets (ROA) | 0.4358% | 4,101 |
Pretax return on assets | 0.5075% | 4,108 |
Return on Equity (ROE) | 3.3217% | 4,137 |
Retained earnings to average equity (ytd only) | -10.2209% | 4,774 |
Net charge-offs to loans | 0.0406% | 1,629 |
Credit loss provision to net charge-offs | 3,838.8601% | 211 |
Earnings coverage of net charge-offs (x) | 60.3368% | 801 |
Efficiency ratio | 52.4713% | 4,519 |
Assets per employee ($millions) | 13.0737% | 185 |
Cash dividends to net income (ytd only)* | 407.6973% | 72 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2880% | 2,194 |
Loan loss allowance to noncurrent loans | 382.1335% | 1,231 |
Noncurrent assets plus other real estate owned to assets | 0.2682% | 3,384 |
Noncurrent loans to loans | 0.3371% | 3,287 |
Net loans and leases to total assets | 70.1650% | 2,224 |
Net loans and leases to deposits | 85.2912% | 2,081 |
Net loans and leases to core deposits | 89.3376% | 2,410 |
Total domestic deposits to total assets | 82.2652% | 3,340 |
Equity capital to assets | 13.6042% | 1,177 |
Core capital (leverage) ratio | 12.1668% | 1,634 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 14.3862% | 2,120 |
Memoranda: | ||
Average total assets | $2,814,384,000 | 336 |
Average earning assets | $2,582,558,500 | 333 |
Average equity | $369,203,000 | 307 |
Average total loans | $1,903,401,500 | 349 |
2019-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2842% | 3,582 |
Cost of funding earning assets | 0.8779% | 2,297 |
Net interest margin | 3.4063% | 3,729 |
Noninterest income to average assets | 0.4151% | 3,205 |
Noninterest expense to average assets | 2.0358% | 4,473 |
Loan and lease loss provision to assets | 0.1003% | 2,052 |
Net operating income to assets | 1.0719% | 2,563 |
Return on assets (ROA) | 1.9661% | 400 |
Pretax return on assets | 2.2927% | 315 |
Return on Equity (ROE) | 14.6907% | 751 |
Retained earnings to average equity (ytd only) | 2.1175% | 3,939 |
Net charge-offs to loans | 0.1042% | 1,688 |
Credit loss provision to net charge-offs | 133.7278% | 1,910 |
Earnings coverage of net charge-offs (x) | 19.8881% | 1,966 |
Efficiency ratio | 55.8618% | 4,220 |
Assets per employee ($millions) | 14.2620% | 138 |
Cash dividends to net income (ytd only)* | 85.5858% | 638 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9892% | 3,580 |
Loan loss allowance to noncurrent loans | 254.1615% | 1,751 |
Noncurrent assets plus other real estate owned to assets | 0.2602% | 3,390 |
Noncurrent loans to loans | 0.3892% | 3,039 |
Net loans and leases to total assets | 63.7701% | 3,230 |
Net loans and leases to deposits | 74.0131% | 3,351 |
Net loans and leases to core deposits | 76.7234% | 3,533 |
Total domestic deposits to total assets | 86.1607% | 2,000 |
Equity capital to assets | 12.6644% | 1,725 |
Core capital (leverage) ratio | 12.6633% | 1,398 |
Tier 1 risk-based capital ratio | 13.8074% | 3,359 |
Total risk-based capital ratio | 14.6266% | 3,478 |
Memoranda: | ||
Average total assets | $2,703,935,600 | 335 |
Average earning assets | $2,470,620,800 | 332 |
Average equity | $361,882,000 | 305 |
Average total loans | $1,945,616,400 | 331 |
2019-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3711% | 3,447 |
Cost of funding earning assets | 0.9119% | 2,173 |
Net interest margin | 3.4591% | 3,702 |
Noninterest income to average assets | 0.4316% | 3,132 |
Noninterest expense to average assets | 2.1109% | 4,341 |
Loan and lease loss provision to assets | 0.0968% | 1,977 |
Net operating income to assets | 1.0571% | 2,750 |
Return on assets (ROA) | 2.2726% | 249 |
Pretax return on assets | 2.6039% | 204 |
Return on Equity (ROE) | 16.7338% | 514 |
Retained earnings to average equity (ytd only) | 3.2245% | 3,795 |
Net charge-offs to loans | 0.1152% | 1,326 |
Credit loss provision to net charge-offs | 113.5024% | 2,047 |
Earnings coverage of net charge-offs (x) | 17.3101% | 2,096 |
Efficiency ratio | 56.3809% | 4,127 |
Assets per employee ($millions) | 12.2393% | 202 |
Cash dividends to net income (ytd only)* | 80.7308% | 637 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9844% | 3,660 |
Loan loss allowance to noncurrent loans | 297.3195% | 1,527 |
Noncurrent assets plus other real estate owned to assets | 0.2637% | 3,504 |
Noncurrent loans to loans | 0.3311% | 3,349 |
Net loans and leases to total assets | 75.4209% | 1,581 |
Net loans and leases to deposits | 97.6189% | 860 |
Net loans and leases to core deposits | 101.3418% | 1,558 |
Total domestic deposits to total assets | 77.2605% | 4,481 |
Equity capital to assets | 15.3826% | 755 |
Core capital (leverage) ratio | 13.5659% | 1,109 |
Tier 1 risk-based capital ratio | 14.2919% | 3,179 |
Total risk-based capital ratio | 15.1179% | 3,304 |
Memoranda: | ||
Average total assets | $2,652,558,000 | 342 |
Average earning assets | $2,419,308,500 | 340 |
Average equity | $360,236,250 | 311 |
Average total loans | $1,963,547,000 | 332 |
2019-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2224% | 3,867 |
Cost of funding earning assets | 0.8665% | 2,319 |
Net interest margin | 3.3559% | 4,016 |
Noninterest income to average assets | 0.4030% | 3,261 |
Noninterest expense to average assets | 2.1275% | 4,362 |
Loan and lease loss provision to assets | 0.1106% | 1,689 |
Net operating income to assets | 0.9388% | 3,136 |
Return on assets (ROA) | 2.6485% | 133 |
Pretax return on assets | 2.9553% | 128 |
Return on Equity (ROE) | 20.2937% | 239 |
Retained earnings to average equity (ytd only) | 5.4345% | 2,550 |
Net charge-offs to loans | 0.1174% | 1,255 |
Credit loss provision to net charge-offs | 128.4622% | 1,673 |
Earnings coverage of net charge-offs (x) | 15.6287% | 1,974 |
Efficiency ratio | 57.5263% | 4,066 |
Assets per employee ($millions) | 12.0009% | 207 |
Cash dividends to net income (ytd only)* | 73.2206% | 995 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0161% | 3,521 |
Loan loss allowance to noncurrent loans | 315.6022% | 1,502 |
Noncurrent assets plus other real estate owned to assets | 0.2819% | 3,430 |
Noncurrent loans to loans | 0.3219% | 3,378 |
Net loans and leases to total assets | 74.1802% | 1,860 |
Net loans and leases to deposits | 94.7348% | 1,180 |
Net loans and leases to core deposits | 102.4834% | 1,517 |
Total domestic deposits to total assets | 78.3030% | 4,344 |
Equity capital to assets | 15.4298% | 722 |
Core capital (leverage) ratio | 13.6159% | 1,073 |
Tier 1 risk-based capital ratio | 14.8085% | 2,912 |
Total risk-based capital ratio | 15.6669% | 3,021 |
Memoranda: | ||
Average total assets | $2,733,028,330 | 338 |
Average earning assets | $2,500,637,000 | 334 |
Average equity | $356,682,330 | 314 |
Average total loans | $2,005,866,330 | 328 |
2019-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9331% | 4,496 |
Cost of funding earning assets | 0.7428% | 2,818 |
Net interest margin | 3.1903% | 4,403 |
Noninterest income to average assets | 0.3741% | 3,356 |
Noninterest expense to average assets | 1.9098% | 4,785 |
Loan and lease loss provision to assets | 0.1121% | 1,584 |
Net operating income to assets | 1.0003% | 2,839 |
Return on assets (ROA) | 0.8540% | 3,477 |
Pretax return on assets | 1.1314% | 3,038 |
Return on Equity (ROE) | 7.0734% | 3,645 |
Retained earnings to average equity (ytd only) | 7.0734% | 2,006 |
Net charge-offs to loans | 0.1056% | 1,103 |
Credit loss provision to net charge-offs | 145.8781% | 1,266 |
Earnings coverage of net charge-offs (x) | 18.0914% | 1,637 |
Efficiency ratio | 57.8796% | 4,096 |
Assets per employee ($millions) | 8.6800% | 532 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8538% | 4,329 |
Loan loss allowance to noncurrent loans | 186.7664% | 2,291 |
Noncurrent assets plus other real estate owned to assets | 0.3735% | 3,096 |
Noncurrent loans to loans | 0.4571% | 2,946 |
Net loans and leases to total assets | 73.6331% | 1,876 |
Net loans and leases to deposits | 85.7423% | 2,163 |
Net loans and leases to core deposits | 89.3939% | 2,566 |
Total domestic deposits to total assets | 85.8772% | 2,331 |
Equity capital to assets | 12.5448% | 1,710 |
Core capital (leverage) ratio | 11.2513% | 2,338 |
Tier 1 risk-based capital ratio | 12.4797% | 4,185 |
Total risk-based capital ratio | 13.2240% | 4,368 |
Memoranda: | ||
Average total assets | $2,905,454,000 | 331 |
Average earning assets | $2,664,350,500 | 328 |
Average equity | $350,777,500 | 319 |
Average total loans | $2,113,929,500 | 320 |
2018-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6633% | 4,721 |
Cost of funding earning assets | 0.6027% | 2,693 |
Net interest margin | 3.0606% | 4,713 |
Noninterest income to average assets | 0.4615% | 3,043 |
Noninterest expense to average assets | 1.7686% | 5,033 |
Loan and lease loss provision to assets | 0.0688% | 2,761 |
Net operating income to assets | 1.1501% | 2,384 |
Return on assets (ROA) | 1.1140% | 2,538 |
Pretax return on assets | 1.3756% | 2,223 |
Return on Equity (ROE) | 9.0656% | 2,963 |
Retained earnings to average equity (ytd only) | 0.4311% | 4,868 |
Net charge-offs to loans | 0.0171% | 3,116 |
Credit loss provision to net charge-offs | 569.0058% | 618 |
Earnings coverage of net charge-offs (x) | 123.4327% | 639 |
Efficiency ratio | 54.1494% | 4,608 |
Assets per employee ($millions) | 8.8478% | 494 |
Cash dividends to net income (ytd only)* | 95.2441% | 343 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8472% | 4,366 |
Loan loss allowance to noncurrent loans | 344.8136% | 1,464 |
Noncurrent assets plus other real estate owned to assets | 0.2048% | 3,801 |
Noncurrent loans to loans | 0.2457% | 3,707 |
Net loans and leases to total assets | 70.6942% | 2,461 |
Net loans and leases to deposits | 81.3366% | 2,809 |
Net loans and leases to core deposits | 85.7251% | 2,935 |
Total domestic deposits to total assets | 86.9156% | 1,813 |
Equity capital to assets | 11.6173% | 2,163 |
Core capital (leverage) ratio | 10.6449% | 2,895 |
Tier 1 risk-based capital ratio | 12.2483% | 4,269 |
Total risk-based capital ratio | 12.9917% | 4,476 |
Memoranda: | ||
Average total assets | $2,827,404,800 | 333 |
Average earning assets | $2,586,710,800 | 330 |
Average equity | $347,445,600 | 316 |
Average total loans | $1,995,763,600 | 329 |
2018-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2726% | 3,065 |
Cost of funding earning assets | 0.7052% | 1,818 |
Net interest margin | 3.5674% | 3,467 |
Noninterest income to average assets | 0.6290% | 2,167 |
Noninterest expense to average assets | 2.4954% | 3,612 |
Loan and lease loss provision to assets | 0.0689% | 2,598 |
Net operating income to assets | 1.0470% | 2,879 |
Return on assets (ROA) | 1.0470% | 2,889 |
Pretax return on assets | 1.3241% | 2,528 |
Return on Equity (ROE) | 8.3986% | 3,381 |
Retained earnings to average equity (ytd only) | 8.3986% | 1,471 |
Net charge-offs to loans | 0.0234% | 2,665 |
Credit loss provision to net charge-offs | 418.5507% | 796 |
Earnings coverage of net charge-offs (x) | 84.6548% | 852 |
Efficiency ratio | 63.0008% | 3,336 |
Assets per employee ($millions) | 8.6301% | 505 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0020% | 3,746 |
Loan loss allowance to noncurrent loans | 716.7952% | 793 |
Noncurrent assets plus other real estate owned to assets | 0.1325% | 4,292 |
Noncurrent loans to loans | 0.1398% | 4,256 |
Net loans and leases to total assets | 70.0750% | 2,633 |
Net loans and leases to deposits | 84.3035% | 2,564 |
Net loans and leases to core deposits | 88.3713% | 2,811 |
Total domestic deposits to total assets | 83.1224% | 3,258 |
Equity capital to assets | 12.3178% | 1,689 |
Core capital (leverage) ratio | 11.6759% | 2,020 |
Tier 1 risk-based capital ratio | 13.2030% | 3,781 |
Total risk-based capital ratio | 14.0716% | 3,907 |
Memoranda: | ||
Average total assets | $2,795,460,750 | 334 |
Average earning assets | $2,554,107,500 | 333 |
Average equity | $348,479,250 | 311 |
Average total loans | $1,967,956,500 | 330 |
2018-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2272% | 3,026 |
Cost of funding earning assets | 0.6566% | 1,890 |
Net interest margin | 3.5706% | 3,408 |
Noninterest income to average assets | 0.6921% | 1,899 |
Noninterest expense to average assets | 2.5630% | 3,437 |
Loan and lease loss provision to assets | 0.0433% | 3,031 |
Net operating income to assets | 1.0630% | 2,740 |
Return on assets (ROA) | 1.0630% | 2,742 |
Pretax return on assets | 1.3424% | 2,354 |
Return on Equity (ROE) | 8.4924% | 3,270 |
Retained earnings to average equity (ytd only) | 8.4924% | 1,412 |
Net charge-offs to loans | 0.0370% | 2,109 |
Credit loss provision to net charge-offs | 166.3889% | 1,477 |
Earnings coverage of net charge-offs (x) | 53.2417% | 1,081 |
Efficiency ratio | 63.6958% | 3,360 |
Assets per employee ($millions) | 8.1281% | 603 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0116% | 3,758 |
Loan loss allowance to noncurrent loans | 751.4582% | 780 |
Noncurrent assets plus other real estate owned to assets | 0.1447% | 4,267 |
Noncurrent loans to loans | 0.1346% | 4,304 |
Net loans and leases to total assets | 71.2289% | 2,404 |
Net loans and leases to deposits | 92.0153% | 1,576 |
Net loans and leases to core deposits | 96.5255% | 2,011 |
Total domestic deposits to total assets | 77.4099% | 4,675 |
Equity capital to assets | 13.0407% | 1,277 |
Core capital (leverage) ratio | 11.7033% | 1,906 |
Tier 1 risk-based capital ratio | 13.4605% | 3,638 |
Total risk-based capital ratio | 14.3349% | 3,771 |
Memoranda: | ||
Average total assets | $2,766,464,670 | 338 |
Average earning assets | $2,523,072,330 | 336 |
Average equity | $346,288,000 | 310 |
Average total loans | $1,943,835,330 | 332 |
2018-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0529% | 3,400 |
Cost of funding earning assets | 0.5764% | 2,194 |
Net interest margin | 3.4765% | 3,623 |
Noninterest income to average assets | 0.6062% | 2,227 |
Noninterest expense to average assets | 2.6219% | 3,270 |
Loan and lease loss provision to assets | 0.1101% | 1,700 |
Net operating income to assets | 0.8275% | 3,600 |
Return on assets (ROA) | 0.8275% | 3,611 |
Pretax return on assets | 1.0529% | 3,346 |
Return on Equity (ROE) | 6.7463% | 3,880 |
Retained earnings to average equity (ytd only) | 6.7463% | 2,387 |
Net charge-offs to loans | 0.0474% | 1,643 |
Credit loss provision to net charge-offs | 334.1991% | 759 |
Earnings coverage of net charge-offs (x) | 35.2987% | 1,139 |
Efficiency ratio | 67.9806% | 2,831 |
Assets per employee ($millions) | 8.0176% | 622 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0144% | 3,870 |
Loan loss allowance to noncurrent loans | 619.6634% | 913 |
Noncurrent assets plus other real estate owned to assets | 0.1521% | 4,319 |
Noncurrent loans to loans | 0.1637% | 4,245 |
Net loans and leases to total assets | 71.3902% | 2,273 |
Net loans and leases to deposits | 91.9614% | 1,452 |
Net loans and leases to core deposits | 98.3237% | 1,817 |
Total domestic deposits to total assets | 77.6306% | 4,783 |
Equity capital to assets | 12.6502% | 1,405 |
Core capital (leverage) ratio | 11.3190% | 2,147 |
Tier 1 risk-based capital ratio | 12.8437% | 4,038 |
Total risk-based capital ratio | 13.7226% | 4,161 |
Memoranda: | ||
Average total assets | $2,804,498,500 | 338 |
Average earning assets | $2,564,292,000 | 336 |
Average equity | $344,009,000 | 315 |
Average total loans | $1,947,791,000 | 335 |
2017-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8499% | 3,880 |
Cost of funding earning assets | 0.4812% | 2,492 |
Net interest margin | 3.3687% | 3,940 |
Noninterest income to average assets | 0.6270% | 2,321 |
Noninterest expense to average assets | 2.6674% | 3,236 |
Loan and lease loss provision to assets | 0.1169% | 1,943 |
Net operating income to assets | -0.0435% | 5,392 |
Return on assets (ROA) | -0.0435% | 5,395 |
Pretax return on assets | 0.9031% | 3,916 |
Return on Equity (ROE) | -0.3434% | 5,393 |
Retained earnings to average equity (ytd only) | -0.3434% | 5,096 |
Net charge-offs to loans | 0.2291% | 1,130 |
Credit loss provision to net charge-offs | 72.0072% | 3,065 |
Earnings coverage of net charge-offs (x) | 6.2824% | 3,201 |
Efficiency ratio | 70.7092% | 2,438 |
Assets per employee ($millions) | 8.3075% | 569 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9995% | 3,956 |
Loan loss allowance to noncurrent loans | 664.2857% | 882 |
Noncurrent assets plus other real estate owned to assets | 0.1428% | 4,431 |
Noncurrent loans to loans | 0.1505% | 4,321 |
Net loans and leases to total assets | 66.2736% | 3,062 |
Net loans and leases to deposits | 77.7333% | 3,146 |
Net loans and leases to core deposits | 82.6638% | 3,183 |
Total domestic deposits to total assets | 85.2577% | 2,735 |
Equity capital to assets | 11.9054% | 1,906 |
Core capital (leverage) ratio | 11.0506% | 2,289 |
Tier 1 risk-based capital ratio | 12.6870% | 4,100 |
Total risk-based capital ratio | 13.5557% | 4,236 |
Memoranda: | ||
Average total assets | $2,752,507,200 | 324 |
Average earning assets | $2,500,591,000 | 321 |
Average equity | $348,577,800 | 293 |
Average total loans | $1,951,076,200 | 319 |
2017-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8531% | 3,822 |
Cost of funding earning assets | 0.4753% | 2,477 |
Net interest margin | 3.3778% | 3,923 |
Noninterest income to average assets | 0.6584% | 2,170 |
Noninterest expense to average assets | 2.5917% | 3,434 |
Loan and lease loss provision to assets | 0.1440% | 1,464 |
Net operating income to assets | 0.6623% | 4,147 |
Return on assets (ROA) | 0.6623% | 4,203 |
Pretax return on assets | 0.9819% | 3,757 |
Return on Equity (ROE) | 5.1479% | 4,470 |
Retained earnings to average equity (ytd only) | 5.1479% | 2,776 |
Net charge-offs to loans | 0.3179% | 660 |
Credit loss provision to net charge-offs | 62.9908% | 2,772 |
Earnings coverage of net charge-offs (x) | 4.9241% | 3,167 |
Efficiency ratio | 68.0175% | 2,874 |
Assets per employee ($millions) | 7.6912% | 706 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9886% | 4,124 |
Loan loss allowance to noncurrent loans | 414.4520% | 1,230 |
Noncurrent assets plus other real estate owned to assets | 0.2292% | 4,142 |
Noncurrent loans to loans | 0.2385% | 4,100 |
Net loans and leases to total assets | 71.6369% | 2,309 |
Net loans and leases to deposits | 89.2377% | 1,899 |
Net loans and leases to core deposits | 99.1224% | 1,785 |
Total domestic deposits to total assets | 80.2764% | 4,261 |
Equity capital to assets | 13.6388% | 1,104 |
Core capital (leverage) ratio | 11.2231% | 2,245 |
Tier 1 risk-based capital ratio | 12.8143% | 4,133 |
Total risk-based capital ratio | 13.6665% | 4,277 |
Memoranda: | ||
Average total assets | $2,717,879,500 | 328 |
Average earning assets | $2,461,482,000 | 329 |
Average equity | $349,675,250 | 293 |
Average total loans | $1,955,013,750 | 320 |
2017-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7610% | 4,028 |
Cost of funding earning assets | 0.4408% | 2,685 |
Net interest margin | 3.3202% | 4,047 |
Noninterest income to average assets | 0.7053% | 1,959 |
Noninterest expense to average assets | 2.5755% | 3,505 |
Loan and lease loss provision to assets | 0.1905% | 979 |
Net operating income to assets | 0.6430% | 4,116 |
Return on assets (ROA) | 0.6430% | 4,164 |
Pretax return on assets | 0.9490% | 3,767 |
Return on Equity (ROE) | 5.0956% | 4,438 |
Retained earnings to average equity (ytd only) | 5.0956% | 2,641 |
Net charge-offs to loans | 0.1359% | 1,346 |
Credit loss provision to net charge-offs | 195.2203% | 1,297 |
Earnings coverage of net charge-offs (x) | 11.6774% | 2,255 |
Efficiency ratio | 67.5723% | 3,083 |
Assets per employee ($millions) | 8.2132% | 566 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1136% | 3,506 |
Loan loss allowance to noncurrent loans | 177.8193% | 2,466 |
Noncurrent assets plus other real estate owned to assets | 0.5225% | 3,019 |
Noncurrent loans to loans | 0.6263% | 2,856 |
Net loans and leases to total assets | 71.8675% | 2,223 |
Net loans and leases to deposits | 91.2122% | 1,580 |
Net loans and leases to core deposits | 101.2941% | 1,564 |
Total domestic deposits to total assets | 78.7915% | 4,666 |
Equity capital to assets | 13.1055% | 1,325 |
Core capital (leverage) ratio | 10.7126% | 2,688 |
Tier 1 risk-based capital ratio | 12.3978% | 4,355 |
Total risk-based capital ratio | 13.3671% | 4,436 |
Memoranda: | ||
Average total assets | $2,744,480,000 | 330 |
Average earning assets | $2,487,780,000 | 327 |
Average equity | $346,299,330 | 297 |
Average total loans | $1,970,449,670 | 321 |
2017-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5813% | 4,469 |
Cost of funding earning assets | 0.3867% | 3,126 |
Net interest margin | 3.1947% | 4,361 |
Noninterest income to average assets | 0.5963% | 2,437 |
Noninterest expense to average assets | 2.5659% | 3,604 |
Loan and lease loss provision to assets | 0.0917% | 2,009 |
Net operating income to assets | 0.5579% | 4,338 |
Return on assets (ROA) | 0.5580% | 4,384 |
Pretax return on assets | 0.8365% | 3,985 |
Return on Equity (ROE) | 4.5072% | 4,596 |
Retained earnings to average equity (ytd only) | 4.5072% | 3,167 |
Net charge-offs to loans | 0.2614% | 696 |
Credit loss provision to net charge-offs | 49.1473% | 1,993 |
Earnings coverage of net charge-offs (x) | 4.9744% | 2,330 |
Efficiency ratio | 71.4918% | 2,663 |
Assets per employee ($millions) | 8.5189% | 503 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0326% | 4,077 |
Loan loss allowance to noncurrent loans | 500.6026% | 1,056 |
Noncurrent assets plus other real estate owned to assets | 0.2088% | 4,399 |
Noncurrent loans to loans | 0.2063% | 4,376 |
Net loans and leases to total assets | 68.1851% | 2,652 |
Net loans and leases to deposits | 86.1446% | 2,018 |
Net loans and leases to core deposits | 92.6004% | 2,110 |
Total domestic deposits to total assets | 79.1519% | 4,793 |
Equity capital to assets | 12.3326% | 1,642 |
Core capital (leverage) ratio | 10.7642% | 2,630 |
Tier 1 risk-based capital ratio | 12.2308% | 4,560 |
Total risk-based capital ratio | 13.1256% | 4,700 |
Memoranda: | ||
Average total assets | $2,765,647,000 | 330 |
Average earning assets | $2,508,561,500 | 331 |
Average equity | $342,384,500 | 300 |
Average total loans | $1,973,757,000 | 322 |
2016-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5818% | 4,564 |
Cost of funding earning assets | 0.3361% | 3,682 |
Net interest margin | 3.2457% | 4,310 |
Noninterest income to average assets | 0.8038% | 1,737 |
Noninterest expense to average assets | 2.6519% | 3,520 |
Loan and lease loss provision to assets | 0.1397% | 1,785 |
Net operating income to assets | 0.6037% | 4,193 |
Return on assets (ROA) | 0.6047% | 4,299 |
Pretax return on assets | 0.9375% | 3,703 |
Return on Equity (ROE) | 4.9145% | 4,473 |
Retained earnings to average equity (ytd only) | 4.9145% | 2,395 |
Net charge-offs to loans | 0.1073% | 2,200 |
Credit loss provision to net charge-offs | 179.4920% | 1,558 |
Earnings coverage of net charge-offs (x) | 13.8222% | 2,342 |
Efficiency ratio | 68.7438% | 3,118 |
Assets per employee ($millions) | 7.9775% | 615 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0213% | 4,185 |
Loan loss allowance to noncurrent loans | 527.9416% | 1,021 |
Noncurrent assets plus other real estate owned to assets | 0.2116% | 4,464 |
Noncurrent loans to loans | 0.1934% | 4,466 |
Net loans and leases to total assets | 73.1575% | 1,983 |
Net loans and leases to deposits | 88.5787% | 1,859 |
Net loans and leases to core deposits | 99.2436% | 1,689 |
Total domestic deposits to total assets | 82.5904% | 3,901 |
Equity capital to assets | 12.4471% | 1,555 |
Core capital (leverage) ratio | 10.4446% | 2,939 |
Tier 1 risk-based capital ratio | 11.8275% | 4,836 |
Total risk-based capital ratio | 12.7351% | 4,969 |
Memoranda: | ||
Average total assets | $2,732,125,200 | 319 |
Average earning assets | $2,460,975,600 | 323 |
Average equity | $336,187,000 | 292 |
Average total loans | $1,982,127,200 | 306 |
2016-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5700% | 4,634 |
Cost of funding earning assets | 0.3276% | 3,802 |
Net interest margin | 3.2424% | 4,368 |
Noninterest income to average assets | 0.8525% | 1,570 |
Noninterest expense to average assets | 2.6564% | 3,477 |
Loan and lease loss provision to assets | 0.0784% | 2,655 |
Net operating income to assets | 0.6544% | 4,063 |
Return on assets (ROA) | 0.6558% | 4,175 |
Pretax return on assets | 1.0371% | 3,486 |
Return on Equity (ROE) | 5.3450% | 4,367 |
Retained earnings to average equity (ytd only) | 5.3450% | 2,589 |
Net charge-offs to loans | 0.1337% | 1,634 |
Credit loss provision to net charge-offs | 81.2532% | 2,647 |
Earnings coverage of net charge-offs (x) | 11.5326% | 2,478 |
Efficiency ratio | 67.7334% | 3,274 |
Assets per employee ($millions) | 8.4662% | 487 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9020% | 4,862 |
Loan loss allowance to noncurrent loans | 437.4321% | 1,186 |
Noncurrent assets plus other real estate owned to assets | 0.2161% | 4,566 |
Noncurrent loans to loans | 0.2062% | 4,533 |
Net loans and leases to total assets | 73.7749% | 1,908 |
Net loans and leases to deposits | 92.3822% | 1,448 |
Net loans and leases to core deposits | 102.3471% | 1,457 |
Total domestic deposits to total assets | 79.8583% | 4,543 |
Equity capital to assets | 12.4736% | 1,797 |
Core capital (leverage) ratio | 10.2459% | 3,286 |
Tier 1 risk-based capital ratio | 11.1595% | 5,282 |
Total risk-based capital ratio | 11.9485% | 5,438 |
Memoranda: | ||
Average total assets | $2,733,082,000 | 318 |
Average earning assets | $2,458,965,750 | 320 |
Average equity | $335,335,250 | 292 |
Average total loans | $1,973,521,750 | 306 |
2016-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5518% | 4,737 |
Cost of funding earning assets | 0.3173% | 3,933 |
Net interest margin | 3.2345% | 4,425 |
Noninterest income to average assets | 0.9851% | 1,152 |
Noninterest expense to average assets | 2.7290% | 3,279 |
Loan and lease loss provision to assets | 0.0841% | 2,460 |
Net operating income to assets | 0.6723% | 3,951 |
Return on assets (ROA) | 0.6743% | 4,071 |
Pretax return on assets | 1.0868% | 3,254 |
Return on Equity (ROE) | 5.5272% | 4,279 |
Retained earnings to average equity (ytd only) | 5.5272% | 2,404 |
Net charge-offs to loans | 0.1719% | 1,314 |
Credit loss provision to net charge-offs | 68.4399% | 2,492 |
Earnings coverage of net charge-offs (x) | 9.5063% | 2,421 |
Efficiency ratio | 67.3399% | 3,476 |
Assets per employee ($millions) | 8.3289% | 504 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9323% | 4,832 |
Loan loss allowance to noncurrent loans | 917.0160% | 629 |
Noncurrent assets plus other real estate owned to assets | 0.1053% | 5,089 |
Noncurrent loans to loans | 0.1017% | 5,042 |
Net loans and leases to total assets | 69.5735% | 2,537 |
Net loans and leases to deposits | 89.9554% | 1,764 |
Net loans and leases to core deposits | 101.5990% | 1,504 |
Total domestic deposits to total assets | 77.3422% | 5,111 |
Equity capital to assets | 12.1325% | 2,030 |
Core capital (leverage) ratio | 9.8995% | 3,684 |
Tier 1 risk-based capital ratio | 11.5832% | 5,100 |
Total risk-based capital ratio | 12.4125% | 5,251 |
Memoranda: | ||
Average total assets | $2,724,117,670 | 318 |
Average earning assets | $2,452,042,000 | 320 |
Average equity | $332,357,330 | 295 |
Average total loans | $1,946,461,670 | 308 |
2016-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6430% | 4,498 |
Cost of funding earning assets | 0.3830% | 3,267 |
Net interest margin | 3.2601% | 4,360 |
Noninterest income to average assets | 0.6648% | 2,196 |
Noninterest expense to average assets | 2.7139% | 3,366 |
Loan and lease loss provision to assets | 0.0549% | 2,846 |
Net operating income to assets | 0.5190% | 4,547 |
Return on assets (ROA) | 0.5221% | 4,645 |
Pretax return on assets | 0.8288% | 4,107 |
Return on Equity (ROE) | 4.2673% | 4,793 |
Retained earnings to average equity (ytd only) | 4.2673% | 3,346 |
Net charge-offs to loans | 0.3443% | 648 |
Credit loss provision to net charge-offs | 22.1021% | 2,281 |
Earnings coverage of net charge-offs (x) | 3.5399% | 2,529 |
Efficiency ratio | 72.3772% | 2,746 |
Assets per employee ($millions) | 7.7247% | 628 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8884% | 5,097 |
Loan loss allowance to noncurrent loans | 1,566.5480% | 396 |
Noncurrent assets plus other real estate owned to assets | 0.1057% | 5,157 |
Noncurrent loans to loans | 0.0567% | 5,256 |
Net loans and leases to total assets | 72.0417% | 2,029 |
Net loans and leases to deposits | 85.6303% | 2,105 |
Net loans and leases to core deposits | 96.5493% | 1,744 |
Total domestic deposits to total assets | 84.1311% | 3,469 |
Equity capital to assets | 12.1983% | 1,896 |
Core capital (leverage) ratio | 10.1077% | 3,415 |
Tier 1 risk-based capital ratio | 11.0480% | 5,478 |
Total risk-based capital ratio | 11.8319% | 5,624 |
Memoranda: | ||
Average total assets | $2,682,754,500 | 317 |
Average earning assets | $2,409,410,000 | 322 |
Average equity | $328,266,500 | 297 |
Average total loans | $1,934,094,000 | 307 |
2015-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8780% | 3,784 |
Cost of funding earning assets | 0.3532% | 3,670 |
Net interest margin | 3.5248% | 3,432 |
Noninterest income to average assets | 0.6507% | 2,457 |
Noninterest expense to average assets | 3.0407% | 2,412 |
Loan and lease loss provision to assets | 0.5911% | 182 |
Net operating income to assets | 0.0751% | 5,785 |
Return on assets (ROA) | 0.0756% | 5,825 |
Pretax return on assets | 0.2190% | 5,664 |
Return on Equity (ROE) | 0.7925% | 5,804 |
Retained earnings to average equity (ytd only) | 0.7925% | 5,204 |
Net charge-offs to loans | 0.0548% | 3,111 |
Credit loss provision to net charge-offs | 1,503.2668% | 229 |
Earnings coverage of net charge-offs (x) | 20.5844% | 1,870 |
Efficiency ratio | 78.2465% | 1,932 |
Assets per employee ($millions) | 7.7067% | 633 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0152% | 4,513 |
Loan loss allowance to noncurrent loans | 348.1731% | 1,435 |
Noncurrent assets plus other real estate owned to assets | 0.2839% | 4,448 |
Noncurrent loans to loans | 0.2916% | 4,416 |
Net loans and leases to total assets | 70.8515% | 2,234 |
Net loans and leases to deposits | 82.0854% | 2,577 |
Net loans and leases to core deposits | 90.9983% | 2,318 |
Total domestic deposits to total assets | 86.3143% | 2,483 |
Equity capital to assets | 12.3647% | 1,692 |
Core capital (leverage) ratio | 11.0681% | 2,333 |
Tier 1 risk-based capital ratio | 11.7014% | 5,133 |
Total risk-based capital ratio | 12.6206% | 5,225 |
Memoranda: | ||
Average total assets | $1,401,273,400 | 513 |
Average earning assets | $1,271,903,800 | 515 |
Average equity | $133,633,000 | 570 |
Average total loans | $1,004,652,600 | 479 |
2015-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9604% | 3,492 |
Cost of funding earning assets | 0.5859% | 1,495 |
Net interest margin | 3.3745% | 4,061 |
Noninterest income to average assets | 1.5536% | 520 |
Noninterest expense to average assets | 4.2231% | 530 |
Loan and lease loss provision to assets | 0.3633% | 362 |
Net operating income to assets | -0.0032% | 5,941 |
Return on assets (ROA) | -0.0026% | 5,973 |
Pretax return on assets | 0.0505% | 5,933 |
Return on Equity (ROE) | -0.0327% | 5,973 |
Retained earnings to average equity (ytd only) | -0.0327% | 5,600 |
Net charge-offs to loans | 0.3446% | 764 |
Credit loss provision to net charge-offs | 146.8673% | 1,714 |
Earnings coverage of net charge-offs (x) | 1.6690% | 3,794 |
Efficiency ratio | 90.7428% | 649 |
Assets per employee ($millions) | 4.6433% | 2,777 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1276% | 4,070 |
Loan loss allowance to noncurrent loans | 142.1943% | 2,921 |
Noncurrent assets plus other real estate owned to assets | 0.8299% | 2,797 |
Noncurrent loans to loans | 0.7930% | 2,978 |
Net loans and leases to total assets | 72.9239% | 1,920 |
Net loans and leases to deposits | 88.7567% | 1,804 |
Net loans and leases to core deposits | 96.1243% | 1,864 |
Total domestic deposits to total assets | 82.1616% | 4,116 |
Equity capital to assets | 7.4898% | 6,075 |
Core capital (leverage) ratio | 8.1991% | 5,777 |
Tier 1 risk-based capital ratio | 9.9010% | 6,069 |
Total risk-based capital ratio | 10.9579% | 6,077 |
Memoranda: | ||
Average total assets | $1,092,667,250 | 647 |
Average earning assets | $998,057,500 | 647 |
Average equity | $85,567,250 | 894 |
Average total loans | $784,169,750 | 598 |
2015-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9247% | 3,598 |
Cost of funding earning assets | 0.5481% | 1,838 |
Net interest margin | 3.3767% | 3,978 |
Noninterest income to average assets | 1.1497% | 906 |
Noninterest expense to average assets | 3.8761% | 792 |
Loan and lease loss provision to assets | 0.2509% | 699 |
Net operating income to assets | 0.0528% | 5,929 |
Return on assets (ROA) | 0.0537% | 5,969 |
Pretax return on assets | 0.1076% | 5,926 |
Return on Equity (ROE) | 0.6755% | 5,943 |
Retained earnings to average equity (ytd only) | 0.6755% | 5,292 |
Net charge-offs to loans | 0.0785% | 2,266 |
Credit loss provision to net charge-offs | 450.0000% | 678 |
Earnings coverage of net charge-offs (x) | 6.4033% | 2,787 |
Efficiency ratio | 91.1226% | 678 |
Assets per employee ($millions) | 4.1940% | 3,481 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1992% | 3,792 |
Loan loss allowance to noncurrent loans | 117.6326% | 3,319 |
Noncurrent assets plus other real estate owned to assets | 1.1469% | 2,212 |
Noncurrent loans to loans | 1.0195% | 2,606 |
Net loans and leases to total assets | 71.9782% | 1,981 |
Net loans and leases to deposits | 85.3596% | 2,125 |
Net loans and leases to core deposits | 92.1031% | 2,149 |
Total domestic deposits to total assets | 84.3235% | 3,435 |
Equity capital to assets | 7.8014% | 6,046 |
Core capital (leverage) ratio | 8.4916% | 5,539 |
Tier 1 risk-based capital ratio | 10.2517% | 6,016 |
Total risk-based capital ratio | 11.3539% | 6,001 |
Memoranda: | ||
Average total assets | $1,076,140,330 | 656 |
Average earning assets | $982,689,330 | 655 |
Average equity | $85,572,330 | 899 |
Average total loans | $764,735,670 | 609 |
2015-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9155% | 3,536 |
Cost of funding earning assets | 0.4883% | 2,395 |
Net interest margin | 3.4273% | 3,729 |
Noninterest income to average assets | 1.6251% | 472 |
Noninterest expense to average assets | 4.1307% | 594 |
Loan and lease loss provision to assets | 0.2656% | 600 |
Net operating income to assets | 0.3047% | 5,396 |
Return on assets (ROA) | 0.3073% | 5,493 |
Pretax return on assets | 0.3618% | 5,510 |
Return on Equity (ROE) | 3.8271% | 5,052 |
Retained earnings to average equity (ytd only) | 3.8271% | 3,711 |
Net charge-offs to loans | 0.3251% | 742 |
Credit loss provision to net charge-offs | 116.4745% | 1,472 |
Earnings coverage of net charge-offs (x) | 2.7381% | 2,707 |
Efficiency ratio | 86.4750% | 1,136 |
Assets per employee ($millions) | 4.0902% | 3,777 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1414% | 4,311 |
Loan loss allowance to noncurrent loans | 192.3505% | 2,294 |
Noncurrent assets plus other real estate owned to assets | 0.8209% | 3,047 |
Noncurrent loans to loans | 0.5934% | 3,798 |
Net loans and leases to total assets | 70.7198% | 2,037 |
Net loans and leases to deposits | 81.0929% | 2,437 |
Net loans and leases to core deposits | 88.7359% | 2,247 |
Total domestic deposits to total assets | 87.2084% | 2,265 |
Equity capital to assets | 8.1051% | 5,983 |
Core capital (leverage) ratio | 8.6605% | 5,364 |
Tier 1 risk-based capital ratio | 10.9103% | 5,844 |
Total risk-based capital ratio | 11.9653% | 5,857 |
Memoranda: | ||
Average total assets | $1,064,795,500 | 667 |
Average earning assets | $972,441,000 | 655 |
Average equity | $85,496,500 | 902 |
Average total loans | $746,844,500 | 622 |
2014-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9077% | 4,098 |
Cost of funding earning assets | 0.5652% | 2,093 |
Net interest margin | 3.3425% | 4,431 |
Noninterest income to average assets | 1.1217% | 966 |
Noninterest expense to average assets | 3.8547% | 906 |
Loan and lease loss provision to assets | -0.1433% | 6,224 |
Net operating income to assets | 0.4173% | 5,165 |
Return on assets (ROA) | 0.4731% | 5,007 |
Pretax return on assets | 0.5250% | 5,183 |
Return on Equity (ROE) | 5.9144% | 4,189 |
Retained earnings to average equity (ytd only) | 5.9144% | 1,976 |
Net charge-offs to loans | 0.0741% | 3,430 |
Credit loss provision to net charge-offs | -291.5663% | 5,697 |
Earnings coverage of net charge-offs (x) | 6.5080% | 3,184 |
Efficiency ratio | 91.8768% | 715 |
Assets per employee ($millions) | 4.0386% | 3,862 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1619% | 4,211 |
Loan loss allowance to noncurrent loans | 192.2212% | 2,313 |
Noncurrent assets plus other real estate owned to assets | 0.8371% | 3,120 |
Noncurrent loans to loans | 0.6045% | 3,861 |
Net loans and leases to total assets | 67.9584% | 2,559 |
Net loans and leases to deposits | 80.2918% | 2,680 |
Net loans and leases to core deposits | 87.4473% | 2,559 |
Total domestic deposits to total assets | 84.6392% | 3,442 |
Equity capital to assets | 7.9544% | 6,088 |
Core capital (leverage) ratio | 8.8836% | 5,144 |
Tier 1 risk-based capital ratio | 11.3088% | 5,766 |
Total risk-based capital ratio | 12.4001% | 5,782 |
Memoranda: | ||
Average total assets | $1,013,572,600 | 666 |
Average earning assets | $925,709,600 | 662 |
Average equity | $81,073,800 | 904 |
Average total loans | $672,252,200 | 647 |
2014-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9364% | 4,027 |
Cost of funding earning assets | 0.5835% | 1,986 |
Net interest margin | 3.3529% | 4,421 |
Noninterest income to average assets | 0.9758% | 1,293 |
Noninterest expense to average assets | 3.7967% | 979 |
Loan and lease loss provision to assets | -0.1642% | 6,358 |
Net operating income to assets | 0.3625% | 5,390 |
Return on assets (ROA) | 0.4370% | 5,195 |
Pretax return on assets | 0.4897% | 5,345 |
Return on Equity (ROE) | 5.4558% | 4,508 |
Retained earnings to average equity (ytd only) | 5.4558% | 2,792 |
Net charge-offs to loans | 0.1359% | 2,436 |
Credit loss provision to net charge-offs | -184.0060% | 5,542 |
Earnings coverage of net charge-offs (x) | 2.7085% | 3,843 |
Efficiency ratio | 93.5318% | 621 |
Assets per employee ($millions) | 3.9375% | 4,017 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2051% | 4,194 |
Loan loss allowance to noncurrent loans | 144.5135% | 2,821 |
Noncurrent assets plus other real estate owned to assets | 1.1582% | 2,630 |
Noncurrent loans to loans | 0.8339% | 3,490 |
Net loans and leases to total assets | 68.6043% | 2,449 |
Net loans and leases to deposits | 80.1684% | 2,663 |
Net loans and leases to core deposits | 89.0128% | 2,323 |
Total domestic deposits to total assets | 85.5753% | 3,082 |
Equity capital to assets | 8.0575% | 6,103 |
Core capital (leverage) ratio | 8.8676% | 5,238 |
Tier 1 risk-based capital ratio | 11.3299% | 5,868 |
Total risk-based capital ratio | 12.4478% | 5,860 |
Memoranda: | ||
Average total assets | $999,407,250 | 674 |
Average earning assets | $912,899,000 | 668 |
Average equity | $80,059,500 | 919 |
Average total loans | $656,349,250 | 658 |
2014-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8002% | 4,523 |
Cost of funding earning assets | 0.5980% | 1,914 |
Net interest margin | 3.2022% | 4,939 |
Noninterest income to average assets | 0.9473% | 1,339 |
Noninterest expense to average assets | 3.8112% | 960 |
Loan and lease loss provision to assets | -0.2509% | 6,507 |
Net operating income to assets | 0.2722% | 5,659 |
Return on assets (ROA) | 0.3820% | 5,357 |
Pretax return on assets | 0.4352% | 5,464 |
Return on Equity (ROE) | 4.7786% | 4,779 |
Retained earnings to average equity (ytd only) | 4.7786% | 3,103 |
Net charge-offs to loans | -0.0446% | 5,821 |
Credit loss provision to net charge-offs | 874.6479% | 375 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 97.9592% | 469 |
Assets per employee ($millions) | 3.8790% | 4,108 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3661% | 3,508 |
Loan loss allowance to noncurrent loans | 157.3485% | 2,620 |
Noncurrent assets plus other real estate owned to assets | 1.3523% | 2,419 |
Noncurrent loans to loans | 0.8682% | 3,534 |
Net loans and leases to total assets | 67.0368% | 2,570 |
Net loans and leases to deposits | 78.1575% | 2,783 |
Net loans and leases to core deposits | 88.4977% | 2,260 |
Total domestic deposits to total assets | 85.7714% | 3,168 |
Equity capital to assets | 8.0087% | 6,153 |
Core capital (leverage) ratio | 8.8275% | 5,253 |
Tier 1 risk-based capital ratio | 11.6359% | 5,723 |
Total risk-based capital ratio | 12.8861% | 5,675 |
Memoranda: | ||
Average total assets | $989,983,330 | 677 |
Average earning assets | $903,743,330 | 673 |
Average equity | $79,144,330 | 922 |
Average total loans | $637,255,000 | 672 |
2014-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7373% | 4,717 |
Cost of funding earning assets | 0.6300% | 1,735 |
Net interest margin | 3.1073% | 5,225 |
Noninterest income to average assets | 0.8014% | 1,740 |
Noninterest expense to average assets | 3.8796% | 883 |
Loan and lease loss provision to assets | -0.3972% | 6,644 |
Net operating income to assets | 0.1225% | 5,979 |
Return on assets (ROA) | 0.2468% | 5,718 |
Pretax return on assets | 0.3008% | 5,718 |
Return on Equity (ROE) | 3.0905% | 5,427 |
Retained earnings to average equity (ytd only) | 3.0905% | 4,264 |
Net charge-offs to loans | 0.2144% | 1,466 |
Credit loss provision to net charge-offs | -296.3415% | 5,040 |
Earnings coverage of net charge-offs (x) | -1.8506% | 3,533 |
Efficiency ratio | 106.2795% | 328 |
Assets per employee ($millions) | 3.6036% | 4,709 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4367% | 3,436 |
Loan loss allowance to noncurrent loans | 133.7015% | 2,904 |
Noncurrent assets plus other real estate owned to assets | 1.4230% | 2,493 |
Noncurrent loans to loans | 1.0745% | 3,273 |
Net loans and leases to total assets | 64.3926% | 2,827 |
Net loans and leases to deposits | 74.8896% | 2,957 |
Net loans and leases to core deposits | 84.6100% | 2,451 |
Total domestic deposits to total assets | 85.9834% | 3,374 |
Equity capital to assets | 8.0446% | 6,026 |
Core capital (leverage) ratio | 9.0407% | 4,949 |
Tier 1 risk-based capital ratio | 12.0666% | 5,602 |
Total risk-based capital ratio | 13.2600% | 5,571 |
Memoranda: | ||
Average total assets | $978,771,000 | 689 |
Average earning assets | $891,454,000 | 689 |
Average equity | $78,176,000 | 936 |
Average total loans | $611,839,500 | 709 |
2013-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3980% | 5,841 |
Cost of funding earning assets | 0.9098% | 697 |
Net interest margin | 2.4882% | 6,382 |
Noninterest income to average assets | 0.6223% | 2,960 |
Noninterest expense to average assets | 4.2570% | 658 |
Loan and lease loss provision to assets | -0.2652% | 6,655 |
Net operating income to assets | -1.1896% | 6,632 |
Return on assets (ROA) | -1.1585% | 6,633 |
Pretax return on assets | -1.0723% | 6,605 |
Return on Equity (ROE) | -20.8464% | 6,691 |
Retained earnings to average equity (ytd only) | -20.8464% | 6,677 |
Net charge-offs to loans | 0.1017% | 3,813 |
Credit loss provision to net charge-offs | -484.0708% | 6,134 |
Earnings coverage of net charge-offs (x) | -24.9805% | 5,450 |
Efficiency ratio | 146.4767% | 69 |
Assets per employee ($millions) | 3.4658% | 4,968 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8001% | 2,067 |
Loan loss allowance to noncurrent loans | 129.1354% | 3,003 |
Noncurrent assets plus other real estate owned to assets | 1.6710% | 2,207 |
Noncurrent loans to loans | 1.3939% | 2,805 |
Net loans and leases to total assets | 58.6084% | 3,935 |
Net loans and leases to deposits | 66.7080% | 4,220 |
Net loans and leases to core deposits | 75.6758% | 3,645 |
Total domestic deposits to total assets | 87.8581% | 2,265 |
Equity capital to assets | 7.9296% | 6,069 |
Core capital (leverage) ratio | 8.7433% | 5,367 |
Tier 1 risk-based capital ratio | 12.8269% | 5,101 |
Total risk-based capital ratio | 14.0807% | 5,041 |
Memoranda: | ||
Average total assets | $1,031,274,000 | 635 |
Average earning assets | $939,191,600 | 633 |
Average equity | $57,309,600 | 1,256 |
Average total loans | $555,291,000 | 755 |
2013-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3288% | 6,006 |
Cost of funding earning assets | 0.9627% | 598 |
Net interest margin | 2.3661% | 6,541 |
Noninterest income to average assets | 0.6119% | 3,066 |
Noninterest expense to average assets | 4.4636% | 540 |
Loan and lease loss provision to assets | -0.2272% | 6,737 |
Net operating income to assets | -1.5668% | 6,768 |
Return on assets (ROA) | -1.5471% | 6,767 |
Pretax return on assets | -1.4490% | 6,751 |
Return on Equity (ROE) | -30.9282% | 6,817 |
Retained earnings to average equity (ytd only) | -30.9282% | 6,810 |
Net charge-offs to loans | 0.3210% | 1,935 |
Credit loss provision to net charge-offs | -134.8485% | 5,825 |
Earnings coverage of net charge-offs (x) | -10.0666% | 5,166 |
Efficiency ratio | 160.2868% | 58 |
Assets per employee ($millions) | 3.3155% | 5,255 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9952% | 1,731 |
Loan loss allowance to noncurrent loans | 146.3348% | 2,584 |
Noncurrent assets plus other real estate owned to assets | 1.5797% | 2,567 |
Noncurrent loans to loans | 1.3634% | 3,132 |
Net loans and leases to total assets | 51.9753% | 4,876 |
Net loans and leases to deposits | 57.6654% | 5,220 |
Net loans and leases to core deposits | 66.0645% | 4,706 |
Total domestic deposits to total assets | 90.1326% | 923 |
Equity capital to assets | 7.6042% | 6,352 |
Core capital (leverage) ratio | 8.3259% | 5,944 |
Tier 1 risk-based capital ratio | 13.6815% | 4,642 |
Total risk-based capital ratio | 14.9376% | 4,593 |
Memoranda: | ||
Average total assets | $1,044,751,500 | 631 |
Average earning assets | $951,905,250 | 629 |
Average equity | $52,261,750 | 1,369 |
Average total loans | $548,284,500 | 766 |
2013-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.2420% | 6,172 |
Cost of funding earning assets | 1.0119% | 513 |
Net interest margin | 2.2302% | 6,666 |
Noninterest income to average assets | 0.5176% | 3,718 |
Noninterest expense to average assets | 4.6628% | 463 |
Loan and lease loss provision to assets | -0.0280% | 6,611 |
Net operating income to assets | -2.1263% | 6,855 |
Return on assets (ROA) | -2.0971% | 6,861 |
Pretax return on assets | -2.0562% | 6,850 |
Return on Equity (ROE) | -50.2698% | 6,906 |
Retained earnings to average equity (ytd only) | -50.2698% | 6,901 |
Net charge-offs to loans | 0.4896% | 1,339 |
Credit loss provision to net charge-offs | -10.9467% | 5,455 |
Earnings coverage of net charge-offs (x) | -8.2530% | 4,852 |
Efficiency ratio | 181.8202% | 39 |
Assets per employee ($millions) | 3.2832% | 5,304 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.2536% | 1,331 |
Loan loss allowance to noncurrent loans | 137.2768% | 2,695 |
Noncurrent assets plus other real estate owned to assets | 1.8325% | 2,365 |
Noncurrent loans to loans | 1.6416% | 2,853 |
Net loans and leases to total assets | 50.1526% | 5,096 |
Net loans and leases to deposits | 55.4762% | 5,392 |
Net loans and leases to core deposits | 64.8217% | 4,811 |
Total domestic deposits to total assets | 90.4039% | 801 |
Equity capital to assets | 7.3185% | 6,505 |
Core capital (leverage) ratio | 7.5382% | 6,441 |
Tier 1 risk-based capital ratio | 12.7774% | 5,303 |
Total risk-based capital ratio | 14.0364% | 5,234 |
Memoranda: | ||
Average total assets | $1,055,926,330 | 628 |
Average earning assets | $961,984,330 | 625 |
Average equity | $44,050,330 | 1,603 |
Average total loans | $552,283,330 | 749 |
2013-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.2647% | 6,219 |
Cost of funding earning assets | 1.0736% | 424 |
Net interest margin | 2.1911% | 6,760 |
Noninterest income to average assets | 0.3316% | 5,049 |
Noninterest expense to average assets | 4.7171% | 449 |
Loan and lease loss provision to assets | 0.2578% | 1,381 |
Net operating income to assets | -2.7372% | 6,952 |
Return on assets (ROA) | -2.7372% | 6,953 |
Pretax return on assets | -2.6505% | 6,945 |
Return on Equity (ROE) | -106.0626% | 7,005 |
Retained earnings to average equity (ytd only) | -106.0626% | 7,004 |
Net charge-offs to loans | 0.7042% | 869 |
Credit loss provision to net charge-offs | 69.3252% | 2,306 |
Earnings coverage of net charge-offs (x) | -6.4346% | 4,086 |
Efficiency ratio | 201.7177% | 37 |
Assets per employee ($millions) | 3.1631% | 5,708 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.4816% | 1,142 |
Loan loss allowance to noncurrent loans | 117.7702% | 2,926 |
Noncurrent assets plus other real estate owned to assets | 2.3225% | 2,000 |
Noncurrent loans to loans | 2.1072% | 2,497 |
Net loans and leases to total assets | 50.9765% | 4,847 |
Net loans and leases to deposits | 53.4921% | 5,471 |
Net loans and leases to core deposits | 64.4439% | 4,700 |
Total domestic deposits to total assets | 95.2972% | 41 |
Equity capital to assets | 2.2430% | 7,001 |
Core capital (leverage) ratio | 1.9047% | 7,006 |
Tier 1 risk-based capital ratio | 3.4122% | 6,990 |
Total risk-based capital ratio | 4.6758% | 6,991 |
Memoranda: | ||
Average total assets | $1,052,009,000 | 638 |
Average earning assets | $956,787,000 | 632 |
Average equity | $27,150,000 | 2,513 |
Average total loans | $555,523,000 | 751 |
2012-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6095% | 6,214 |
Cost of funding earning assets | 1.2655% | 424 |
Net interest margin | 2.3440% | 6,816 |
Noninterest income to average assets | 0.3069% | 5,251 |
Noninterest expense to average assets | 3.7253% | 1,370 |
Loan and lease loss provision to assets | 1.8854% | 125 |
Net operating income to assets | -3.3051% | 7,022 |
Return on assets (ROA) | -3.2912% | 7,026 |
Pretax return on assets | -3.1593% | 7,023 |
Return on Equity (ROE) | -69.7169% | 7,048 |
Retained earnings to average equity (ytd only) | -69.7169% | 7,047 |
Net charge-offs to loans | 4.5597% | 46 |
Credit loss provision to net charge-offs | 78.2495% | 3,883 |
Earnings coverage of net charge-offs (x) | -0.5345% | 5,681 |
Efficiency ratio | 151.4179% | 90 |
Assets per employee ($millions) | 3.2618% | 5,488 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.4336% | 1,192 |
Loan loss allowance to noncurrent loans | 51.6351% | 5,045 |
Noncurrent assets plus other real estate owned to assets | 3.7774% | 1,169 |
Noncurrent loans to loans | 4.7132% | 880 |
Net loans and leases to total assets | 52.0289% | 4,920 |
Net loans and leases to deposits | 54.8334% | 5,567 |
Net loans and leases to core deposits | 67.8553% | 4,553 |
Total domestic deposits to total assets | 94.8854% | 46 |
Equity capital to assets | 2.9114% | 7,040 |
Core capital (leverage) ratio | 2.4846% | 7,046 |
Tier 1 risk-based capital ratio | 4.5408% | 7,030 |
Total risk-based capital ratio | 5.8044% | 7,031 |
Memoranda: | ||
Average total assets | $1,106,743,000 | 596 |
Average earning assets | $1,005,957,400 | 586 |
Average equity | $52,247,000 | 1,363 |
Average total loans | $584,824,400 | 706 |
2012-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7076% | 6,207 |
Cost of funding earning assets | 1.2937% | 448 |
Net interest margin | 2.4139% | 6,882 |
Noninterest income to average assets | 0.1875% | 6,175 |
Noninterest expense to average assets | 3.6442% | 1,467 |
Loan and lease loss provision to assets | 1.2517% | 288 |
Net operating income to assets | -2.5319% | 7,091 |
Return on assets (ROA) | -2.5148% | 7,093 |
Pretax return on assets | -2.4973% | 7,080 |
Return on Equity (ROE) | -48.8188% | 7,117 |
Retained earnings to average equity (ytd only) | -48.8188% | 7,112 |
Net charge-offs to loans | 2.8514% | 198 |
Credit loss provision to net charge-offs | 83.2566% | 3,522 |
Earnings coverage of net charge-offs (x) | -0.8399% | 5,559 |
Efficiency ratio | 151.5004% | 85 |
Assets per employee ($millions) | 3.4377% | 5,124 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.0300% | 696 |
Loan loss allowance to noncurrent loans | 50.2211% | 5,114 |
Noncurrent assets plus other real estate owned to assets | 4.5316% | 1,018 |
Noncurrent loans to loans | 6.0334% | 675 |
Net loans and leases to total assets | 50.0996% | 5,303 |
Net loans and leases to deposits | 53.5512% | 5,841 |
Net loans and leases to core deposits | 65.6979% | 4,987 |
Total domestic deposits to total assets | 93.5546% | 83 |
Equity capital to assets | 4.1235% | 7,097 |
Core capital (leverage) ratio | 3.7731% | 7,102 |
Tier 1 risk-based capital ratio | 7.0206% | 7,045 |
Total risk-based capital ratio | 8.2915% | 7,046 |
Memoranda: | ||
Average total assets | $1,117,591,000 | 591 |
Average earning assets | $1,015,703,750 | 583 |
Average equity | $57,569,250 | 1,239 |
Average total loans | $589,268,000 | 702 |
2012-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7981% | 6,144 |
Cost of funding earning assets | 1.3265% | 466 |
Net interest margin | 2.4716% | 6,914 |
Noninterest income to average assets | 0.6517% | 2,947 |
Noninterest expense to average assets | 4.0680% | 868 |
Loan and lease loss provision to assets | 1.0647% | 410 |
Net operating income to assets | -2.2204% | 7,095 |
Return on assets (ROA) | -2.2203% | 7,105 |
Pretax return on assets | -2.2369% | 7,093 |
Return on Equity (ROE) | -40.4152% | 7,146 |
Retained earnings to average equity (ytd only) | -40.4152% | 7,140 |
Net charge-offs to loans | 2.0058% | 415 |
Credit loss provision to net charge-offs | 100.0000% | 2,712 |
Earnings coverage of net charge-offs (x) | -1.1012% | 5,317 |
Efficiency ratio | 139.1793% | 125 |
Assets per employee ($millions) | 3.4543% | 5,084 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.3140% | 584 |
Loan loss allowance to noncurrent loans | 43.8028% | 5,464 |
Noncurrent assets plus other real estate owned to assets | 5.8461% | 739 |
Noncurrent loans to loans | 7.5656% | 475 |
Net loans and leases to total assets | 51.4109% | 5,167 |
Net loans and leases to deposits | 55.3740% | 5,723 |
Net loans and leases to core deposits | 70.2744% | 4,504 |
Total domestic deposits to total assets | 92.8431% | 135 |
Equity capital to assets | 4.9233% | 7,099 |
Core capital (leverage) ratio | 4.5376% | 7,099 |
Tier 1 risk-based capital ratio | 8.0629% | 7,036 |
Total risk-based capital ratio | 9.3364% | 7,037 |
Memoranda: | ||
Average total assets | $1,117,708,670 | 591 |
Average earning assets | $1,014,729,670 | 585 |
Average equity | $61,402,670 | 1,163 |
Average total loans | $593,283,330 | 695 |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8137% | 6,219 |
Cost of funding earning assets | 1.3595% | 489 |
Net interest margin | 2.4542% | 6,979 |
Noninterest income to average assets | 0.5876% | 3,313 |
Noninterest expense to average assets | 4.0310% | 903 |
Loan and lease loss provision to assets | 0.6430% | 854 |
Net operating income to assets | -1.9671% | 7,152 |
Return on assets (ROA) | -1.9671% | 7,153 |
Pretax return on assets | -1.8604% | 7,125 |
Return on Equity (ROE) | -34.0525% | 7,183 |
Retained earnings to average equity (ytd only) | -34.0525% | 7,160 |
Net charge-offs to loans | 1.6230% | 608 |
Credit loss provision to net charge-offs | 74.6993% | 2,834 |
Earnings coverage of net charge-offs (x) | -1.4144% | 4,584 |
Efficiency ratio | 141.7587% | 128 |
Assets per employee ($millions) | 3.6688% | 4,724 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.1445% | 718 |
Loan loss allowance to noncurrent loans | 40.5449% | 5,584 |
Noncurrent assets plus other real estate owned to assets | 6.3322% | 720 |
Noncurrent loans to loans | 7.7556% | 516 |
Net loans and leases to total assets | 51.7641% | 5,053 |
Net loans and leases to deposits | 56.1604% | 5,582 |
Net loans and leases to core deposits | 72.8368% | 4,042 |
Total domestic deposits to total assets | 92.1719% | 228 |
Equity capital to assets | 5.4749% | 7,111 |
Core capital (leverage) ratio | 5.1870% | 7,102 |
Tier 1 risk-based capital ratio | 8.9925% | 7,028 |
Total risk-based capital ratio | 10.2641% | 7,030 |
Memoranda: | ||
Average total assets | $1,120,418,500 | 588 |
Average earning assets | $1,016,228,500 | 587 |
Average equity | $64,723,500 | 1,087 |
Average total loans | $594,206,000 | 696 |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2464% | 5,927 |
Cost of funding earning assets | 1.4792% | 776 |
Net interest margin | 2.7672% | 6,859 |
Noninterest income to average assets | 0.6198% | 3,063 |
Noninterest expense to average assets | 4.1185% | 889 |
Loan and lease loss provision to assets | 0.9714% | 986 |
Net operating income to assets | -2.0239% | 7,031 |
Return on assets (ROA) | -2.0239% | 7,041 |
Pretax return on assets | -1.9729% | 7,017 |
Return on Equity (ROE) | -27.9561% | 7,078 |
Retained earnings to average equity (ytd only) | -27.9561% | 7,070 |
Net charge-offs to loans | 2.3613% | 520 |
Credit loss provision to net charge-offs | 71.2794% | 4,808 |
Earnings coverage of net charge-offs (x) | -0.7349% | 6,148 |
Efficiency ratio | 130.7372% | 226 |
Assets per employee ($millions) | 3.7029% | 4,548 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.3533% | 594 |
Loan loss allowance to noncurrent loans | 39.4136% | 5,641 |
Noncurrent assets plus other real estate owned to assets | 6.7399% | 695 |
Noncurrent loans to loans | 8.5080% | 443 |
Net loans and leases to total assets | 50.8525% | 5,484 |
Net loans and leases to deposits | 55.3394% | 5,947 |
Net loans and leases to core deposits | 74.5667% | 4,164 |
Total domestic deposits to total assets | 91.8919% | 252 |
Equity capital to assets | 6.0838% | 7,089 |
Core capital (leverage) ratio | 5.6358% | 7,085 |
Tier 1 risk-based capital ratio | 9.6605% | 6,923 |
Total risk-based capital ratio | 10.9326% | 6,918 |
Memoranda: | ||
Average total assets | $1,124,154,200 | 583 |
Average earning assets | $1,014,403,200 | 579 |
Average equity | $81,384,600 | 821 |
Average total loans | $648,800,800 | 635 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3407% | 5,811 |
Cost of funding earning assets | 1.4869% | 912 |
Net interest margin | 2.8537% | 6,822 |
Noninterest income to average assets | 0.6094% | 3,108 |
Noninterest expense to average assets | 3.9692% | 1,042 |
Loan and lease loss provision to assets | 0.8740% | 1,039 |
Net operating income to assets | -1.6851% | 7,085 |
Return on assets (ROA) | -1.6851% | 7,094 |
Pretax return on assets | -1.6618% | 7,054 |
Return on Equity (ROE) | -22.3958% | 7,128 |
Retained earnings to average equity (ytd only) | -22.3958% | 7,117 |
Net charge-offs to loans | 2.5349% | 424 |
Credit loss provision to net charge-offs | 58.4685% | 4,841 |
Earnings coverage of net charge-offs (x) | -0.5270% | 5,840 |
Efficiency ratio | 123.4509% | 271 |
Assets per employee ($millions) | 4.9422% | 2,272 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.1021% | 796 |
Loan loss allowance to noncurrent loans | 37.2578% | 5,797 |
Noncurrent assets plus other real estate owned to assets | 6.8593% | 732 |
Noncurrent loans to loans | 8.3261% | 515 |
Net loans and leases to total assets | 52.2046% | 5,420 |
Net loans and leases to deposits | 57.3843% | 5,902 |
Net loans and leases to core deposits | 80.0882% | 3,623 |
Total domestic deposits to total assets | 90.9736% | 440 |
Equity capital to assets | 6.8619% | 7,077 |
Core capital (leverage) ratio | 6.4177% | 7,084 |
Tier 1 risk-based capital ratio | 10.6431% | 6,723 |
Total risk-based capital ratio | 11.9126% | 6,704 |
Memoranda: | ||
Average total assets | $1,127,479,000 | 589 |
Average earning assets | $1,016,195,250 | 587 |
Average equity | $84,835,250 | 795 |
Average total loans | $664,876,750 | 628 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4575% | 5,501 |
Cost of funding earning assets | 1.5075% | 982 |
Net interest margin | 2.9500% | 6,693 |
Noninterest income to average assets | 0.6232% | 2,984 |
Noninterest expense to average assets | 3.9945% | 1,062 |
Loan and lease loss provision to assets | 0.6214% | 1,541 |
Net operating income to assets | -1.3778% | 7,061 |
Return on assets (ROA) | -1.3778% | 7,068 |
Pretax return on assets | -1.3344% | 7,011 |
Return on Equity (ROE) | -17.7924% | 7,127 |
Retained earnings to average equity (ytd only) | -17.7924% | 7,108 |
Net charge-offs to loans | 1.4668% | 1,017 |
Credit loss provision to net charge-offs | 69.8447% | 4,058 |
Earnings coverage of net charge-offs (x) | -0.8014% | 5,603 |
Efficiency ratio | 120.4587% | 341 |
Assets per employee ($millions) | 4.7297% | 2,506 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.4842% | 600 |
Loan loss allowance to noncurrent loans | 40.3557% | 5,632 |
Noncurrent assets plus other real estate owned to assets | 7.5178% | 639 |
Noncurrent loans to loans | 8.6337% | 494 |
Net loans and leases to total assets | 56.2784% | 4,947 |
Net loans and leases to deposits | 62.3300% | 5,461 |
Net loans and leases to core deposits | 89.0763% | 2,486 |
Total domestic deposits to total assets | 90.2910% | 819 |
Equity capital to assets | 7.5284% | 6,934 |
Core capital (leverage) ratio | 7.0623% | 6,971 |
Tier 1 risk-based capital ratio | 11.0048% | 6,529 |
Total risk-based capital ratio | 12.2790% | 6,491 |
Memoranda: | ||
Average total assets | $1,129,344,670 | 591 |
Average earning assets | $1,017,711,670 | 588 |
Average equity | $87,453,000 | 770 |
Average total loans | $685,027,670 | 616 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4996% | 5,340 |
Cost of funding earning assets | 1.5456% | 993 |
Net interest margin | 2.9540% | 6,669 |
Noninterest income to average assets | 0.7024% | 2,564 |
Noninterest expense to average assets | 3.8459% | 1,259 |
Loan and lease loss provision to assets | 0.3100% | 2,689 |
Net operating income to assets | -0.8834% | 7,002 |
Return on assets (ROA) | -0.8834% | 7,004 |
Pretax return on assets | -0.7887% | 6,915 |
Return on Equity (ROE) | -11.2556% | 7,054 |
Retained earnings to average equity (ytd only) | -11.2556% | 6,913 |
Net charge-offs to loans | 1.3529% | 1,023 |
Credit loss provision to net charge-offs | 37.0805% | 4,000 |
Earnings coverage of net charge-offs (x) | -0.5726% | 4,817 |
Efficiency ratio | 113.0077% | 442 |
Assets per employee ($millions) | 4.8446% | 2,356 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.2960% | 712 |
Loan loss allowance to noncurrent loans | 39.6001% | 5,651 |
Noncurrent assets plus other real estate owned to assets | 7.6179% | 652 |
Noncurrent loans to loans | 8.3232% | 575 |
Net loans and leases to total assets | 59.2460% | 4,419 |
Net loans and leases to deposits | 65.7950% | 5,003 |
Net loans and leases to core deposits | 93.7951% | 1,909 |
Total domestic deposits to total assets | 90.0463% | 1,127 |
Equity capital to assets | 7.9125% | 6,582 |
Core capital (leverage) ratio | 7.3134% | 6,848 |
Tier 1 risk-based capital ratio | 11.1096% | 6,427 |
Total risk-based capital ratio | 12.3818% | 6,382 |
Memoranda: | ||
Average total assets | $1,140,643,500 | 589 |
Average earning assets | $1,028,972,500 | 590 |
Average equity | $89,519,500 | 750 |
Average total loans | $704,869,500 | 606 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7133% | 5,762 |
Cost of funding earning assets | 1.7394% | 1,428 |
Net interest margin | 2.9739% | 6,786 |
Noninterest income to average assets | 0.6158% | 3,373 |
Noninterest expense to average assets | 3.3432% | 2,599 |
Loan and lease loss provision to assets | 2.5985% | 419 |
Net operating income to assets | -3.3995% | 7,358 |
Return on assets (ROA) | -3.3951% | 7,371 |
Pretax return on assets | -2.6267% | 7,204 |
Return on Equity (ROE) | -37.0245% | 7,313 |
Retained earnings to average equity (ytd only) | -37.0245% | 7,303 |
Net charge-offs to loans | 4.2817% | 269 |
Credit loss provision to net charge-offs | 93.0933% | 4,982 |
Earnings coverage of net charge-offs (x) | -0.0117% | 6,141 |
Efficiency ratio | 99.9159% | 779 |
Assets per employee ($millions) | 5.0521% | 2,080 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.3008% | 683 |
Loan loss allowance to noncurrent loans | 40.7332% | 5,590 |
Noncurrent assets plus other real estate owned to assets | 7.1394% | 754 |
Noncurrent loans to loans | 8.1035% | 632 |
Net loans and leases to total assets | 60.2458% | 4,638 |
Net loans and leases to deposits | 66.8384% | 5,286 |
Net loans and leases to core deposits | 95.3924% | 2,080 |
Total domestic deposits to total assets | 90.1366% | 1,020 |
Equity capital to assets | 7.7867% | 6,682 |
Core capital (leverage) ratio | 7.0626% | 6,992 |
Tier 1 risk-based capital ratio | 10.9042% | 6,409 |
Total risk-based capital ratio | 12.1769% | 6,357 |
Memoranda: | ||
Average total assets | $1,292,622,000 | 523 |
Average earning assets | $1,171,318,800 | 520 |
Average equity | $118,532,400 | 572 |
Average total loans | $842,678,200 | 529 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7533% | 5,836 |
Cost of funding earning assets | 1.7671% | 1,561 |
Net interest margin | 2.9862% | 6,861 |
Noninterest income to average assets | 0.6232% | 3,291 |
Noninterest expense to average assets | 3.2087% | 2,898 |
Loan and lease loss provision to assets | 2.6591% | 373 |
Net operating income to assets | -3.2401% | 7,482 |
Return on assets (ROA) | -3.2343% | 7,495 |
Pretax return on assets | -2.5331% | 7,324 |
Return on Equity (ROE) | -34.1363% | 7,445 |
Retained earnings to average equity (ytd only) | -34.1363% | 7,441 |
Net charge-offs to loans | 4.2188% | 275 |
Credit loss provision to net charge-offs | 95.7502% | 4,525 |
Earnings coverage of net charge-offs (x) | 0.0433% | 5,987 |
Efficiency ratio | 95.3355% | 933 |
Assets per employee ($millions) | 5.1208% | 2,031 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.2569% | 664 |
Loan loss allowance to noncurrent loans | 41.4348% | 5,529 |
Noncurrent assets plus other real estate owned to assets | 6.7502% | 827 |
Noncurrent loans to loans | 7.8604% | 669 |
Net loans and leases to total assets | 60.4409% | 4,826 |
Net loans and leases to deposits | 67.5073% | 5,488 |
Net loans and leases to core deposits | 99.0939% | 1,934 |
Total domestic deposits to total assets | 89.5324% | 1,108 |
Equity capital to assets | 8.3853% | 6,412 |
Core capital (leverage) ratio | 7.4262% | 6,903 |
Tier 1 risk-based capital ratio | 11.6534% | 5,782 |
Total risk-based capital ratio | 12.9258% | 5,730 |
Memoranda: | ||
Average total assets | $1,324,018,250 | 505 |
Average earning assets | $1,199,679,250 | 503 |
Average equity | $125,447,000 | 534 |
Average total loans | $871,575,000 | 513 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8232% | 5,708 |
Cost of funding earning assets | 1.7720% | 1,757 |
Net interest margin | 3.0512% | 6,719 |
Noninterest income to average assets | 0.5860% | 3,440 |
Noninterest expense to average assets | 3.0636% | 3,457 |
Loan and lease loss provision to assets | 1.1844% | 1,187 |
Net operating income to assets | -0.4711% | 6,621 |
Return on assets (ROA) | -0.4657% | 6,656 |
Pretax return on assets | -0.8918% | 6,841 |
Return on Equity (ROE) | -4.7478% | 6,677 |
Retained earnings to average equity (ytd only) | -4.7478% | 6,525 |
Net charge-offs to loans | 1.6966% | 1,102 |
Credit loss provision to net charge-offs | 104.4125% | 3,906 |
Earnings coverage of net charge-offs (x) | 0.2505% | 5,477 |
Efficiency ratio | 90.4808% | 1,300 |
Assets per employee ($millions) | 5.2251% | 1,901 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.1515% | 733 |
Loan loss allowance to noncurrent loans | 45.7218% | 5,252 |
Noncurrent assets plus other real estate owned to assets | 5.7397% | 1,053 |
Noncurrent loans to loans | 6.8927% | 837 |
Net loans and leases to total assets | 61.8824% | 4,705 |
Net loans and leases to deposits | 70.5247% | 5,199 |
Net loans and leases to core deposits | 104.7190% | 1,565 |
Total domestic deposits to total assets | 87.7457% | 2,141 |
Equity capital to assets | 9.9884% | 4,039 |
Core capital (leverage) ratio | 8.7514% | 5,005 |
Tier 1 risk-based capital ratio | 12.9854% | 4,457 |
Total risk-based capital ratio | 14.2571% | 4,392 |
Memoranda: | ||
Average total assets | $1,350,573,330 | 490 |
Average earning assets | $1,222,466,670 | 491 |
Average equity | $132,481,670 | 503 |
Average total loans | $902,960,670 | 496 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9212% | 5,347 |
Cost of funding earning assets | 1.7914% | 1,911 |
Net interest margin | 3.1298% | 6,516 |
Noninterest income to average assets | 0.5475% | 3,667 |
Noninterest expense to average assets | 2.8286% | 4,375 |
Loan and lease loss provision to assets | 1.2853% | 946 |
Net operating income to assets | -0.3717% | 6,741 |
Return on assets (ROA) | -0.3610% | 6,773 |
Pretax return on assets | -0.7217% | 6,909 |
Return on Equity (ROE) | -3.7131% | 6,799 |
Retained earnings to average equity (ytd only) | -3.7131% | 6,461 |
Net charge-offs to loans | 2.0500% | 835 |
Credit loss provision to net charge-offs | 91.7857% | 3,625 |
Earnings coverage of net charge-offs (x) | 0.3905% | 4,685 |
Efficiency ratio | 82.7697% | 2,168 |
Assets per employee ($millions) | 5.0478% | 2,174 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.8825% | 911 |
Loan loss allowance to noncurrent loans | 48.0699% | 5,139 |
Noncurrent assets plus other real estate owned to assets | 5.3018% | 1,182 |
Noncurrent loans to loans | 5.9964% | 1,097 |
Net loans and leases to total assets | 64.2865% | 4,266 |
Net loans and leases to deposits | 73.0023% | 4,904 |
Net loans and leases to core deposits | 107.2824% | 1,473 |
Total domestic deposits to total assets | 88.0608% | 2,026 |
Equity capital to assets | 9.9013% | 3,991 |
Core capital (leverage) ratio | 8.9246% | 4,687 |
Tier 1 risk-based capital ratio | 12.4755% | 4,779 |
Total risk-based capital ratio | 13.7437% | 4,709 |
Memoranda: | ||
Average total assets | $1,359,659,500 | 504 |
Average earning assets | $1,228,563,500 | 503 |
Average equity | $132,179,500 | 513 |
Average total loans | $928,765,000 | 504 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.6808% | 3,204 |
Cost of funding earning assets | 2.0578% | 2,691 |
Net interest margin | 3.6230% | 4,459 |
Noninterest income to average assets | 0.7417% | 2,732 |
Noninterest expense to average assets | 5.3868% | 417 |
Loan and lease loss provision to assets | 2.0025% | 1,084 |
Net operating income to assets | -2.7132% | 7,322 |
Return on assets (ROA) | -2.7132% | 7,332 |
Pretax return on assets | -3.4104% | 7,394 |
Return on Equity (ROE) | -26.4811% | 7,326 |
Retained earnings to average equity (ytd only) | -27.3875% | 7,324 |
Net charge-offs to loans | 1.6642% | 1,520 |
Credit loss provision to net charge-offs | 155.9639% | 2,907 |
Earnings coverage of net charge-offs (x) | -1.0966% | 6,897 |
Efficiency ratio | 80.5747% | 2,803 |
Assets per employee ($millions) | 4.8610% | 2,392 |
Cash dividends to net income (ytd only)* | -3.4227% | 7,477 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.7827% | 947 |
Loan loss allowance to noncurrent loans | 53.0073% | 4,815 |
Noncurrent assets plus other real estate owned to assets | 4.8314% | 1,298 |
Noncurrent loans to loans | 5.2497% | 1,254 |
Net loans and leases to total assets | 68.4884% | 3,593 |
Net loans and leases to deposits | 78.0755% | 4,356 |
Net loans and leases to core deposits | 95.9548% | 4,473 |
Total domestic deposits to total assets | 87.7208% | 2,112 |
Equity capital to assets | 9.5396% | 4,371 |
Core capital (leverage) ratio | 9.6140% | 3,578 |
Tier 1 risk-based capital ratio | 11.5351% | 5,361 |
Total risk-based capital ratio | 12.8012% | 5,307 |
Memoranda: | ||
Average total assets | $1,267,438,000 | 533 |
Average earning assets | $1,132,423,000 | 533 |
Average equity | $129,858,600 | 516 |
Average total loans | $977,807,400 | 484 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.8586% | 2,634 |
Cost of funding earning assets | 2.1749% | 2,532 |
Net interest margin | 3.6837% | 4,145 |
Noninterest income to average assets | 0.7768% | 2,565 |
Noninterest expense to average assets | 6.0661% | 301 |
Loan and lease loss provision to assets | 2.1876% | 794 |
Net operating income to assets | -3.3500% | 7,663 |
Return on assets (ROA) | -3.3500% | 7,665 |
Pretax return on assets | -4.1958% | 7,719 |
Return on Equity (ROE) | -32.0968% | 7,646 |
Retained earnings to average equity (ytd only) | -33.3041% | 7,659 |
Net charge-offs to loans | 1.6459% | 1,234 |
Credit loss provision to net charge-offs | 168.3210% | 2,778 |
Earnings coverage of net charge-offs (x) | -1.5452% | 6,702 |
Efficiency ratio | 76.8742% | 3,347 |
Assets per employee ($millions) | 4.2454% | 3,294 |
Cash dividends to net income (ytd only)* | -3.7614% | 7,681 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.6637% | 914 |
Loan loss allowance to noncurrent loans | 73.7256% | 3,660 |
Noncurrent assets plus other real estate owned to assets | 4.0823% | 1,555 |
Noncurrent loans to loans | 3.6130% | 2,066 |
Net loans and leases to total assets | 78.1236% | 1,545 |
Net loans and leases to deposits | 91.7763% | 2,272 |
Net loans and leases to core deposits | 114.9252% | 2,735 |
Total domestic deposits to total assets | 85.1239% | 3,163 |
Equity capital to assets | 8.9545% | 5,546 |
Core capital (leverage) ratio | 8.0326% | 6,302 |
Tier 1 risk-based capital ratio | 9.4422% | 7,412 |
Total risk-based capital ratio | 10.7073% | 7,368 |
Memoranda: | ||
Average total assets | $1,246,457,000 | 552 |
Average earning assets | $1,110,232,000 | 558 |
Average equity | $130,094,750 | 525 |
Average total loans | $984,254,750 | 497 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.8670% | 2,731 |
Cost of funding earning assets | 2.2236% | 2,691 |
Net interest margin | 3.6434% | 4,201 |
Noninterest income to average assets | 0.7523% | 2,689 |
Noninterest expense to average assets | 3.0710% | 3,811 |
Loan and lease loss provision to assets | 1.7722% | 939 |
Net operating income to assets | -0.4557% | 6,501 |
Return on assets (ROA) | -0.4557% | 6,506 |
Pretax return on assets | -0.8660% | 6,726 |
Return on Equity (ROE) | -4.1774% | 6,498 |
Retained earnings to average equity (ytd only) | -5.8896% | 6,432 |
Net charge-offs to loans | 1.8746% | 1,004 |
Credit loss provision to net charge-offs | 120.3488% | 3,856 |
Earnings coverage of net charge-offs (x) | 0.6154% | 5,094 |
Efficiency ratio | 76.1620% | 3,659 |
Assets per employee ($millions) | 4.3106% | 3,098 |
Cash dividends to net income (ytd only)* | -40.9882% | 7,995 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9902% | 1,584 |
Loan loss allowance to noncurrent loans | 63.9197% | 4,237 |
Noncurrent assets plus other real estate owned to assets | 3.4826% | 1,785 |
Noncurrent loans to loans | 3.1136% | 2,298 |
Net loans and leases to total assets | 76.7266% | 2,009 |
Net loans and leases to deposits | 91.6499% | 2,533 |
Net loans and leases to core deposits | 114.5900% | 2,843 |
Total domestic deposits to total assets | 83.7170% | 3,913 |
Equity capital to assets | 10.8982% | 3,021 |
Core capital (leverage) ratio | 8.1323% | 6,108 |
Tier 1 risk-based capital ratio | 9.4776% | 7,406 |
Total risk-based capital ratio | 10.6537% | 7,438 |
Memoranda: | ||
Average total assets | $1,261,462,330 | 557 |
Average earning assets | $1,116,583,330 | 569 |
Average equity | $137,598,670 | 508 |
Average total loans | $990,908,000 | 511 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.8894% | 2,853 |
Cost of funding earning assets | 2.2173% | 3,076 |
Net interest margin | 3.6721% | 4,008 |
Noninterest income to average assets | 0.7195% | 2,766 |
Noninterest expense to average assets | 2.9450% | 3,991 |
Loan and lease loss provision to assets | 1.5662% | 802 |
Net operating income to assets | -0.2616% | 6,634 |
Return on assets (ROA) | -0.2616% | 6,711 |
Pretax return on assets | -0.5471% | 6,856 |
Return on Equity (ROE) | -2.3974% | 6,711 |
Retained earnings to average equity (ytd only) | -2.3974% | 6,176 |
Net charge-offs to loans | 0.9356% | 1,416 |
Credit loss provision to net charge-offs | 212.7560% | 2,119 |
Earnings coverage of net charge-offs (x) | 1.3844% | 4,041 |
Efficiency ratio | 73.2214% | 3,972 |
Assets per employee ($millions) | 4.3728% | 2,932 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0176% | 1,373 |
Loan loss allowance to noncurrent loans | 62.3556% | 4,460 |
Noncurrent assets plus other real estate owned to assets | 3.4129% | 1,587 |
Noncurrent loans to loans | 3.2357% | 1,992 |
Net loans and leases to total assets | 76.4349% | 2,177 |
Net loans and leases to deposits | 88.3536% | 3,227 |
Net loans and leases to core deposits | 107.9774% | 3,682 |
Total domestic deposits to total assets | 86.5102% | 2,438 |
Equity capital to assets | 10.9057% | 3,064 |
Core capital (leverage) ratio | 8.1977% | 6,109 |
Tier 1 risk-based capital ratio | 9.5794% | 7,364 |
Total risk-based capital ratio | 10.7580% | 7,366 |
Memoranda: | ||
Average total assets | $1,273,621,500 | 556 |
Average earning assets | $1,125,342,000 | 567 |
Average equity | $138,984,500 | 500 |
Average total loans | $1,002,115,500 | 511 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.8576% | 1,521 |
Cost of funding earning assets | 2.7666% | 2,846 |
Net interest margin | 4.0910% | 2,753 |
Noninterest income to average assets | 0.8550% | 2,199 |
Noninterest expense to average assets | 3.1995% | 3,336 |
Loan and lease loss provision to assets | 1.2519% | 1,142 |
Net operating income to assets | 0.0887% | 6,138 |
Return on assets (ROA) | 0.1003% | 5,954 |
Pretax return on assets | 0.0468% | 6,057 |
Return on Equity (ROE) | 0.8854% | 5,953 |
Retained earnings to average equity (ytd only) | -3.6819% | 6,262 |
Net charge-offs to loans | 0.9363% | 1,320 |
Credit loss provision to net charge-offs | 169.1290% | 3,038 |
Earnings coverage of net charge-offs (x) | 1.7388% | 5,203 |
Efficiency ratio | 69.8989% | 4,371 |
Assets per employee ($millions) | 4.3656% | 2,854 |
Cash dividends to net income (ytd only)* | 515.8730% | 89 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7186% | 1,850 |
Loan loss allowance to noncurrent loans | 82.1636% | 4,044 |
Noncurrent assets plus other real estate owned to assets | 2.2203% | 2,200 |
Noncurrent loans to loans | 2.0917% | 2,642 |
Net loans and leases to total assets | 77.9909% | 2,137 |
Net loans and leases to deposits | 92.0856% | 3,120 |
Net loans and leases to core deposits | 113.8836% | 3,355 |
Total domestic deposits to total assets | 84.6939% | 2,982 |
Equity capital to assets | 10.9194% | 3,104 |
Core capital (leverage) ratio | 8.3425% | 5,867 |
Tier 1 risk-based capital ratio | 9.4066% | 7,406 |
Total risk-based capital ratio | 10.6608% | 7,320 |
Memoranda: | ||
Average total assets | $1,256,426,600 | 540 |
Average earning assets | $1,115,310,400 | 550 |
Average equity | $142,316,000 | 491 |
Average total loans | $993,251,400 | 496 |