Home > Atlantic Community Bank > Performance and Condition Ratios
Atlantic Community Bank, Performance and Condition Ratios
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 | 4.4563% | 2,007 |
Cost of funding earning assets | 0.1471% | 5,282 |
Net interest margin | 4.3092% | 935 |
Noninterest income to average assets | 0.4474% | 3,129 |
Noninterest expense to average assets | 3.2473% | 1,461 |
Loan and lease loss provision to assets | 0.0000% | 3,508 |
Net operating income to assets | 0.8611% | 3,454 |
Return on assets (ROA) | 0.8611% | 3,467 |
Pretax return on assets | 1.1450% | 2,987 |
Return on Equity (ROE) | 7.1421% | 3,729 |
Retained earnings to average equity (ytd only) | 7.1421% | 2,215 |
Net charge-offs to loans | -0.0932% | 5,179 |
Credit loss provision to net charge-offs | 0.0000% | 2,201 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 73.9321% | 1,906 |
Assets per employee ($millions) | 4.7764% | 2,761 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2249% | 2,659 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.2266% | 3,966 |
Noncurrent loans to loans | 0.0000% | 5,035 |
Net loans and leases to total assets | 79.0490% | 1,071 |
Net loans and leases to deposits | 90.4042% | 1,641 |
Net loans and leases to core deposits | 98.4826% | 1,804 |
Total domestic deposits to total assets | 87.4395% | 1,935 |
Equity capital to assets | 12.4546% | 1,503 |
Core capital (leverage) ratio | 11.1616% | 2,270 |
Tier 1 risk-based capital ratio | 15.5858% | 2,632 |
Total risk-based capital ratio | 16.8381% | 2,577 |
Memoranda: | ||
Average total assets | $83,146,500 | 4,513 |
Average earning assets | $76,117,000 | 4,522 |
Average equity | $10,025,000 | 4,423 |
Average total loans | $64,378,500 | 4,086 |
2017-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3309% | 2,232 |
Cost of funding earning assets | 0.1641% | 5,187 |
Net interest margin | 4.1667% | 1,260 |
Noninterest income to average assets | 0.4915% | 3,050 |
Noninterest expense to average assets | 3.3477% | 1,293 |
Loan and lease loss provision to assets | 0.0284% | 3,707 |
Net operating income to assets | -0.3054% | 5,476 |
Return on assets (ROA) | -0.3054% | 5,476 |
Pretax return on assets | 0.9195% | 3,844 |
Return on Equity (ROE) | -2.6112% | 5,476 |
Retained earnings to average equity (ytd only) | -2.6112% | 5,323 |
Net charge-offs to loans | -0.0496% | 5,180 |
Credit loss provision to net charge-offs | -78.1250% | 4,685 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 77.9334% | 1,365 |
Assets per employee ($millions) | 4.7274% | 2,829 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2246% | 2,638 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.2644% | 3,829 |
Noncurrent loans to loans | 0.0000% | 5,081 |
Net loans and leases to total assets | 74.0275% | 1,920 |
Net loans and leases to deposits | 83.9761% | 2,494 |
Net loans and leases to core deposits | 90.2543% | 2,544 |
Total domestic deposits to total assets | 88.1531% | 1,407 |
Equity capital to assets | 11.6777% | 2,055 |
Core capital (leverage) ratio | 9.9608% | 3,505 |
Tier 1 risk-based capital ratio | 15.8416% | 2,495 |
Total risk-based capital ratio | 17.0992% | 2,437 |
Memoranda: | ||
Average total assets | $88,089,400 | 4,459 |
Average earning assets | $80,422,800 | 4,457 |
Average equity | $10,301,800 | 4,405 |
Average total loans | $64,525,600 | 4,087 |
2017-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2734% | 2,344 |
Cost of funding earning assets | 0.1695% | 5,206 |
Net interest margin | 4.1039% | 1,377 |
Noninterest income to average assets | 0.5088% | 2,979 |
Noninterest expense to average assets | 3.3138% | 1,313 |
Loan and lease loss provision to assets | 0.0375% | 3,357 |
Net operating income to assets | 0.5718% | 4,498 |
Return on assets (ROA) | 0.5718% | 4,539 |
Pretax return on assets | 0.9005% | 4,045 |
Return on Equity (ROE) | 4.8878% | 4,572 |
Retained earnings to average equity (ytd only) | 4.8878% | 2,957 |
Net charge-offs to loans | 0.1154% | 1,637 |
Credit loss provision to net charge-offs | 44.6429% | 2,969 |
Earnings coverage of net charge-offs (x) | 11.1614% | 2,523 |
Efficiency ratio | 77.9386% | 1,338 |
Assets per employee ($millions) | 4.8412% | 2,644 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0932% | 3,524 |
Loan loss allowance to noncurrent loans | 1,823.6842% | 363 |
Noncurrent assets plus other real estate owned to assets | 0.2859% | 3,923 |
Noncurrent loans to loans | 0.0599% | 4,845 |
Net loans and leases to total assets | 68.1659% | 2,824 |
Net loans and leases to deposits | 77.2180% | 3,251 |
Net loans and leases to core deposits | 82.2448% | 3,264 |
Total domestic deposits to total assets | 88.2772% | 1,221 |
Equity capital to assets | 11.5119% | 2,358 |
Core capital (leverage) ratio | 9.4417% | 4,235 |
Tier 1 risk-based capital ratio | 14.7899% | 3,019 |
Total risk-based capital ratio | 16.0210% | 2,959 |
Memoranda: | ||
Average total assets | $88,838,250 | 4,487 |
Average earning assets | $81,025,750 | 4,491 |
Average equity | $10,393,000 | 4,435 |
Average total loans | $64,713,500 | 4,109 |
2017-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3008% | 2,123 |
Cost of funding earning assets | 0.1748% | 5,175 |
Net interest margin | 4.1260% | 1,257 |
Noninterest income to average assets | 0.5354% | 2,794 |
Noninterest expense to average assets | 3.3808% | 1,208 |
Loan and lease loss provision to assets | 0.0570% | 2,834 |
Net operating income to assets | 0.5422% | 4,562 |
Return on assets (ROA) | 0.5422% | 4,597 |
Pretax return on assets | 0.8611% | 4,073 |
Return on Equity (ROE) | 4.6090% | 4,630 |
Retained earnings to average equity (ytd only) | 4.6090% | 2,970 |
Net charge-offs to loans | 0.2364% | 862 |
Credit loss provision to net charge-offs | 32.4675% | 2,710 |
Earnings coverage of net charge-offs (x) | 5.2338% | 2,844 |
Efficiency ratio | 78.6433% | 1,375 |
Assets per employee ($millions) | 4.5623% | 3,009 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0904% | 3,637 |
Loan loss allowance to noncurrent loans | 1,768.4211% | 371 |
Noncurrent assets plus other real estate owned to assets | 0.3034% | 3,911 |
Noncurrent loans to loans | 0.0617% | 4,877 |
Net loans and leases to total assets | 70.3209% | 2,480 |
Net loans and leases to deposits | 80.1633% | 2,890 |
Net loans and leases to core deposits | 88.1480% | 2,688 |
Total domestic deposits to total assets | 87.7221% | 1,606 |
Equity capital to assets | 12.0530% | 1,896 |
Core capital (leverage) ratio | 10.0367% | 3,494 |
Tier 1 risk-based capital ratio | 14.9814% | 2,934 |
Total risk-based capital ratio | 16.2117% | 2,879 |
Memoranda: | ||
Average total assets | $87,790,000 | 4,530 |
Average earning assets | $80,078,000 | 4,531 |
Average equity | $10,327,670 | 4,463 |
Average total loans | $65,153,330 | 4,121 |
2017-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3426% | 1,842 |
Cost of funding earning assets | 0.1906% | 5,060 |
Net interest margin | 4.1520% | 1,093 |
Noninterest income to average assets | 0.4618% | 3,240 |
Noninterest expense to average assets | 3.2510% | 1,475 |
Loan and lease loss provision to assets | 0.1132% | 1,692 |
Net operating income to assets | 0.5388% | 4,428 |
Return on assets (ROA) | 0.5388% | 4,470 |
Pretax return on assets | 0.8467% | 3,948 |
Return on Equity (ROE) | 4.6360% | 4,548 |
Retained earnings to average equity (ytd only) | 4.6360% | 3,098 |
Net charge-offs to loans | -0.0418% | 5,101 |
Credit loss provision to net charge-offs | -357.1429% | 4,165 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 77.2043% | 1,734 |
Assets per employee ($millions) | 4.5428% | 3,098 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1219% | 3,572 |
Loan loss allowance to noncurrent loans | 1,260.0000% | 501 |
Noncurrent assets plus other real estate owned to assets | 0.7415% | 2,445 |
Noncurrent loans to loans | 0.0890% | 4,836 |
Net loans and leases to total assets | 77.1969% | 1,244 |
Net loans and leases to deposits | 87.8701% | 1,822 |
Net loans and leases to core deposits | 98.1267% | 1,647 |
Total domestic deposits to total assets | 87.8535% | 1,800 |
Equity capital to assets | 11.9669% | 1,867 |
Core capital (leverage) ratio | 9.7713% | 3,788 |
Tier 1 risk-based capital ratio | 13.5618% | 3,745 |
Total risk-based capital ratio | 14.8215% | 3,648 |
Memoranda: | ||
Average total assets | $88,343,000 | 4,565 |
Average earning assets | $79,768,000 | 4,583 |
Average equity | $10,267,500 | 4,501 |
Average total loans | $66,915,500 | 4,115 |
2016-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3699% | 1,914 |
Cost of funding earning assets | 0.2362% | 4,689 |
Net interest margin | 4.1337% | 1,291 |
Noninterest income to average assets | 0.8386% | 1,620 |
Noninterest expense to average assets | 3.4300% | 1,292 |
Loan and lease loss provision to assets | 0.3371% | 524 |
Net operating income to assets | 0.5287% | 4,516 |
Return on assets (ROA) | 0.5287% | 4,609 |
Pretax return on assets | 0.8386% | 4,052 |
Return on Equity (ROE) | 4.4776% | 4,670 |
Retained earnings to average equity (ytd only) | 4.4776% | 2,726 |
Net charge-offs to loans | 0.2657% | 1,041 |
Credit loss provision to net charge-offs | 166.6667% | 1,656 |
Earnings coverage of net charge-offs (x) | 5.8129% | 3,280 |
Efficiency ratio | 74.4735% | 2,229 |
Assets per employee ($millions) | 5.6483% | 1,744 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0896% | 3,769 |
Loan loss allowance to noncurrent loans | 1,206.6667% | 515 |
Noncurrent assets plus other real estate owned to assets | 0.7690% | 2,430 |
Noncurrent loans to loans | 0.0903% | 4,877 |
Net loans and leases to total assets | 72.7208% | 2,058 |
Net loans and leases to deposits | 82.1408% | 2,656 |
Net loans and leases to core deposits | 92.1235% | 2,292 |
Total domestic deposits to total assets | 88.5320% | 1,365 |
Equity capital to assets | 11.2932% | 2,332 |
Core capital (leverage) ratio | 9.6747% | 3,883 |
Tier 1 risk-based capital ratio | 13.6000% | 3,703 |
Total risk-based capital ratio | 14.8394% | 3,620 |
Memoranda: | ||
Average total assets | $84,549,000 | 4,634 |
Average earning assets | $77,049,400 | 4,646 |
Average equity | $9,983,000 | 4,583 |
Average total loans | $64,363,000 | 4,171 |
2016-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4078% | 1,840 |
Cost of funding earning assets | 0.2562% | 4,547 |
Net interest margin | 4.1516% | 1,247 |
Noninterest income to average assets | 0.9628% | 1,230 |
Noninterest expense to average assets | 3.4836% | 1,179 |
Loan and lease loss provision to assets | 0.4573% | 290 |
Net operating income to assets | 0.5135% | 4,648 |
Return on assets (ROA) | 0.5135% | 4,747 |
Pretax return on assets | 0.8183% | 4,253 |
Return on Equity (ROE) | 4.2979% | 4,794 |
Retained earnings to average equity (ytd only) | 4.2979% | 3,264 |
Net charge-offs to loans | 0.4344% | 494 |
Credit loss provision to net charge-offs | 137.0192% | 1,897 |
Earnings coverage of net charge-offs (x) | 3.8221% | 3,355 |
Efficiency ratio | 73.1962% | 2,406 |
Assets per employee ($millions) | 4.5486% | 3,003 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0439% | 4,161 |
Loan loss allowance to noncurrent loans | 754.9451% | 759 |
Noncurrent assets plus other real estate owned to assets | 1.0272% | 2,008 |
Noncurrent loans to loans | 0.1383% | 4,789 |
Net loans and leases to total assets | 79.5383% | 957 |
Net loans and leases to deposits | 90.9716% | 1,637 |
Net loans and leases to core deposits | 101.8661% | 1,497 |
Total domestic deposits to total assets | 87.4321% | 1,702 |
Equity capital to assets | 12.3273% | 1,877 |
Core capital (leverage) ratio | 9.7026% | 3,934 |
Tier 1 risk-based capital ratio | 12.8201% | 4,264 |
Total risk-based capital ratio | 13.9820% | 4,233 |
Memoranda: | ||
Average total assets | $83,093,000 | 4,702 |
Average earning assets | $75,984,500 | 4,716 |
Average equity | $9,927,250 | 4,631 |
Average total loans | $63,842,750 | 4,211 |
2016-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3304% | 2,050 |
Cost of funding earning assets | 0.2643% | 4,509 |
Net interest margin | 4.0661% | 1,456 |
Noninterest income to average assets | 1.1593% | 833 |
Noninterest expense to average assets | 3.4683% | 1,226 |
Loan and lease loss provision to assets | 0.5988% | 186 |
Net operating income to assets | 0.5102% | 4,640 |
Return on assets (ROA) | 0.5102% | 4,750 |
Pretax return on assets | 0.8144% | 4,230 |
Return on Equity (ROE) | 4.3152% | 4,799 |
Retained earnings to average equity (ytd only) | 4.3152% | 3,177 |
Net charge-offs to loans | 0.4684% | 469 |
Credit loss provision to net charge-offs | 168.9189% | 1,464 |
Earnings coverage of net charge-offs (x) | 3.9865% | 3,035 |
Efficiency ratio | 71.0500% | 2,813 |
Assets per employee ($millions) | 4.5085% | 3,010 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0891% | 4,000 |
Loan loss allowance to noncurrent loans | 357.7889% | 1,406 |
Noncurrent assets plus other real estate owned to assets | 1.1213% | 1,881 |
Noncurrent loans to loans | 0.3044% | 4,279 |
Net loans and leases to total assets | 79.6841% | 954 |
Net loans and leases to deposits | 92.7430% | 1,428 |
Net loans and leases to core deposits | 111.7146% | 833 |
Total domestic deposits to total assets | 85.9192% | 2,461 |
Equity capital to assets | 12.3076% | 1,899 |
Core capital (leverage) ratio | 9.6871% | 3,950 |
Tier 1 risk-based capital ratio | 12.3353% | 4,624 |
Total risk-based capital ratio | 13.5106% | 4,589 |
Memoranda: | ||
Average total assets | $83,499,000 | 4,730 |
Average earning assets | $76,436,000 | 4,749 |
Average equity | $9,872,000 | 4,672 |
Average total loans | $63,187,330 | 4,254 |
2016-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1224% | 2,764 |
Cost of funding earning assets | 0.2765% | 4,428 |
Net interest margin | 3.8459% | 2,118 |
Noninterest income to average assets | 1.7385% | 414 |
Noninterest expense to average assets | 3.3636% | 1,458 |
Loan and lease loss provision to assets | 1.1810% | 77 |
Net operating income to assets | 0.4677% | 4,747 |
Return on assets (ROA) | 0.4677% | 4,839 |
Pretax return on assets | 0.7417% | 4,389 |
Return on Equity (ROE) | 4.0351% | 4,880 |
Retained earnings to average equity (ytd only) | 4.0351% | 3,476 |
Net charge-offs to loans | 0.7344% | 285 |
Credit loss provision to net charge-offs | 219.2982% | 1,022 |
Earnings coverage of net charge-offs (x) | 3.5702% | 2,527 |
Efficiency ratio | 63.6282% | 4,184 |
Assets per employee ($millions) | 4.5841% | 2,926 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1537% | 3,743 |
Loan loss allowance to noncurrent loans | 218.1287% | 2,104 |
Noncurrent assets plus other real estate owned to assets | 1.2652% | 1,715 |
Noncurrent loans to loans | 0.5289% | 3,603 |
Net loans and leases to total assets | 77.4596% | 1,174 |
Net loans and leases to deposits | 89.7557% | 1,604 |
Net loans and leases to core deposits | 106.2823% | 1,059 |
Total domestic deposits to total assets | 86.3005% | 2,537 |
Equity capital to assets | 11.9580% | 2,058 |
Core capital (leverage) ratio | 9.0588% | 4,784 |
Tier 1 risk-based capital ratio | 12.3756% | 4,668 |
Total risk-based capital ratio | 13.6301% | 4,565 |
Memoranda: | ||
Average total assets | $84,672,000 | 4,754 |
Average earning assets | $78,109,000 | 4,743 |
Average equity | $9,814,000 | 4,702 |
Average total loans | $62,092,000 | 4,310 |
2015-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1987% | 2,564 |
Cost of funding earning assets | 0.3081% | 4,164 |
Net interest margin | 3.8906% | 2,064 |
Noninterest income to average assets | 0.7438% | 2,008 |
Noninterest expense to average assets | 3.3836% | 1,518 |
Loan and lease loss provision to assets | 0.3750% | 379 |
Net operating income to assets | 2.0094% | 340 |
Return on assets (ROA) | 2.0094% | 349 |
Pretax return on assets | 0.5674% | 4,940 |
Return on Equity (ROE) | 17.9105% | 385 |
Retained earnings to average equity (ytd only) | 17.9105% | 79 |
Net charge-offs to loans | 0.7057% | 338 |
Credit loss provision to net charge-offs | 71.8676% | 3,089 |
Earnings coverage of net charge-offs (x) | 1.8061% | 4,029 |
Efficiency ratio | 78.2150% | 1,936 |
Assets per employee ($millions) | 5.4269% | 1,879 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0248% | 4,468 |
Loan loss allowance to noncurrent loans | 1,525.0000% | 414 |
Noncurrent assets plus other real estate owned to assets | 1.0354% | 2,120 |
Noncurrent loans to loans | 0.0672% | 5,244 |
Net loans and leases to total assets | 67.8487% | 2,723 |
Net loans and leases to deposits | 77.8644% | 3,067 |
Net loans and leases to core deposits | 91.6877% | 2,255 |
Total domestic deposits to total assets | 87.1369% | 2,058 |
Equity capital to assets | 11.2415% | 2,601 |
Core capital (leverage) ratio | 9.0408% | 4,831 |
Tier 1 risk-based capital ratio | 12.8699% | 4,409 |
Total risk-based capital ratio | 13.9558% | 4,407 |
Memoranda: | ||
Average total assets | $81,067,000 | 4,845 |
Average earning assets | $74,641,400 | 4,843 |
Average equity | $9,095,200 | 4,825 |
Average total loans | $59,941,200 | 4,379 |
2015-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2815% | 2,302 |
Cost of funding earning assets | 0.3205% | 4,096 |
Net interest margin | 3.9610% | 1,838 |
Noninterest income to average assets | 0.7920% | 1,830 |
Noninterest expense to average assets | 3.3707% | 1,532 |
Loan and lease loss provision to assets | 0.4755% | 224 |
Net operating income to assets | 2.6205% | 142 |
Return on assets (ROA) | 2.6205% | 146 |
Pretax return on assets | 0.5877% | 5,004 |
Return on Equity (ROE) | 23.3696% | 153 |
Retained earnings to average equity (ytd only) | 23.3696% | 53 |
Net charge-offs to loans | 0.8504% | 231 |
Credit loss provision to net charge-offs | 74.1514% | 2,695 |
Earnings coverage of net charge-offs (x) | 1.6580% | 3,797 |
Efficiency ratio | 76.0196% | 2,248 |
Assets per employee ($millions) | 4.7218% | 2,667 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0519% | 4,456 |
Loan loss allowance to noncurrent loans | 244.1860% | 1,898 |
Noncurrent assets plus other real estate owned to assets | 2.0755% | 963 |
Noncurrent loans to loans | 0.4308% | 4,061 |
Net loans and leases to total assets | 73.8296% | 1,763 |
Net loans and leases to deposits | 85.7790% | 2,166 |
Net loans and leases to core deposits | 100.2622% | 1,489 |
Total domestic deposits to total assets | 86.0695% | 2,489 |
Equity capital to assets | 12.0830% | 2,045 |
Core capital (leverage) ratio | 9.0839% | 4,904 |
Tier 1 risk-based capital ratio | 12.5960% | 4,685 |
Total risk-based capital ratio | 13.7036% | 4,693 |
Memoranda: | ||
Average total assets | $79,626,250 | 4,934 |
Average earning assets | $73,211,750 | 4,931 |
Average equity | $8,928,750 | 4,924 |
Average total loans | $60,045,750 | 4,425 |
2015-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2631% | 2,314 |
Cost of funding earning assets | 0.3273% | 4,080 |
Net interest margin | 3.9358% | 1,869 |
Noninterest income to average assets | 0.8487% | 1,608 |
Noninterest expense to average assets | 3.3723% | 1,530 |
Loan and lease loss provision to assets | 0.4886% | 208 |
Net operating income to assets | 3.8533% | 64 |
Return on assets (ROA) | 3.8533% | 64 |
Pretax return on assets | 0.6221% | 4,923 |
Return on Equity (ROE) | 35.2860% | 38 |
Retained earnings to average equity (ytd only) | 35.2860% | 21 |
Net charge-offs to loans | 0.5891% | 408 |
Credit loss provision to net charge-offs | 109.6045% | 1,932 |
Earnings coverage of net charge-offs (x) | 2.4915% | 3,332 |
Efficiency ratio | 75.2247% | 2,510 |
Assets per employee ($millions) | 4.7691% | 2,589 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2429% | 3,541 |
Loan loss allowance to noncurrent loans | 262.6761% | 1,802 |
Noncurrent assets plus other real estate owned to assets | 2.6112% | 704 |
Noncurrent loans to loans | 0.4732% | 4,058 |
Net loans and leases to total assets | 73.1138% | 1,801 |
Net loans and leases to deposits | 84.7032% | 2,221 |
Net loans and leases to core deposits | 101.0139% | 1,402 |
Total domestic deposits to total assets | 86.3176% | 2,519 |
Equity capital to assets | 11.9124% | 2,095 |
Core capital (leverage) ratio | 9.0908% | 4,834 |
Tier 1 risk-based capital ratio | 12.3898% | 4,885 |
Total risk-based capital ratio | 13.6727% | 4,776 |
Memoranda: | ||
Average total assets | $79,411,670 | 4,990 |
Average earning assets | $73,326,670 | 4,974 |
Average equity | $8,672,000 | 5,020 |
Average total loans | $60,096,670 | 4,459 |
2015-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1455% | 2,647 |
Cost of funding earning assets | 0.3545% | 3,808 |
Net interest margin | 3.7910% | 2,255 |
Noninterest income to average assets | 0.5447% | 2,991 |
Noninterest expense to average assets | 3.2324% | 1,897 |
Loan and lease loss provision to assets | 0.3156% | 439 |
Net operating income to assets | 0.5141% | 4,606 |
Return on assets (ROA) | 0.5141% | 4,729 |
Pretax return on assets | 0.5345% | 5,084 |
Return on Equity (ROE) | 4.9395% | 4,559 |
Retained earnings to average equity (ytd only) | 4.9395% | 3,085 |
Net charge-offs to loans | 0.2528% | 948 |
Credit loss provision to net charge-offs | 163.1579% | 1,191 |
Earnings coverage of net charge-offs (x) | 4.3947% | 2,503 |
Efficiency ratio | 79.1771% | 2,008 |
Assets per employee ($millions) | 4.6296% | 2,861 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1992% | 3,990 |
Loan loss allowance to noncurrent loans | 74.3337% | 4,321 |
Noncurrent assets plus other real estate owned to assets | 2.6568% | 775 |
Noncurrent loans to loans | 1.6133% | 1,725 |
Net loans and leases to total assets | 78.8255% | 822 |
Net loans and leases to deposits | 89.8594% | 1,409 |
Net loans and leases to core deposits | 108.1706% | 815 |
Total domestic deposits to total assets | 87.7209% | 1,973 |
Equity capital to assets | 10.4596% | 3,573 |
Core capital (leverage) ratio | 8.9585% | 5,000 |
Tier 1 risk-based capital ratio | 11.3827% | 5,614 |
Total risk-based capital ratio | 12.6123% | 5,537 |
Memoranda: | ||
Average total assets | $78,580,000 | 5,055 |
Average earning assets | $73,332,500 | 5,017 |
Average equity | $8,179,000 | 5,173 |
Average total loans | $60,133,500 | 4,489 |
2014-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4297% | 2,129 |
Cost of funding earning assets | 0.3878% | 3,818 |
Net interest margin | 4.0419% | 1,765 |
Noninterest income to average assets | 0.1609% | 5,897 |
Noninterest expense to average assets | 3.4804% | 1,529 |
Loan and lease loss provision to assets | 0.3518% | 540 |
Net operating income to assets | 1.3616% | 1,158 |
Return on assets (ROA) | 1.3616% | 1,203 |
Pretax return on assets | 0.0916% | 5,995 |
Return on Equity (ROE) | 13.5727% | 1,021 |
Retained earnings to average equity (ytd only) | 13.5727% | 200 |
Net charge-offs to loans | 1.1339% | 246 |
Credit loss provision to net charge-offs | 39.8519% | 3,677 |
Earnings coverage of net charge-offs (x) | 0.5022% | 4,629 |
Efficiency ratio | 88.7000% | 935 |
Assets per employee ($millions) | 4.9036% | 2,455 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2684% | 3,606 |
Loan loss allowance to noncurrent loans | 62.9534% | 4,717 |
Noncurrent assets plus other real estate owned to assets | 2.4345% | 955 |
Noncurrent loans to loans | 2.0148% | 1,379 |
Net loans and leases to total assets | 72.3288% | 1,856 |
Net loans and leases to deposits | 83.2678% | 2,303 |
Net loans and leases to core deposits | 100.8674% | 1,332 |
Total domestic deposits to total assets | 86.8629% | 2,348 |
Equity capital to assets | 10.3573% | 3,658 |
Core capital (leverage) ratio | 8.9150% | 5,101 |
Tier 1 risk-based capital ratio | 12.3952% | 5,092 |
Total risk-based capital ratio | 13.6465% | 5,017 |
Memoranda: | ||
Average total assets | $76,456,200 | 5,141 |
Average earning assets | $71,179,200 | 5,096 |
Average equity | $7,669,800 | 5,277 |
Average total loans | $59,531,600 | 4,502 |
2014-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5552% | 1,686 |
Cost of funding earning assets | 0.3988% | 3,797 |
Net interest margin | 4.1564% | 1,408 |
Noninterest income to average assets | -0.0263% | 6,500 |
Noninterest expense to average assets | 3.4774% | 1,508 |
Loan and lease loss provision to assets | 0.3318% | 549 |
Net operating income to assets | 1.7606% | 546 |
Return on assets (ROA) | 1.7606% | 566 |
Pretax return on assets | 0.0246% | 6,129 |
Return on Equity (ROE) | 17.6991% | 471 |
Retained earnings to average equity (ytd only) | 17.6991% | 121 |
Net charge-offs to loans | 0.9948% | 310 |
Credit loss provision to net charge-offs | 42.1875% | 3,255 |
Earnings coverage of net charge-offs (x) | 0.4531% | 4,386 |
Efficiency ratio | 90.7051% | 797 |
Assets per employee ($millions) | 4.8440% | 2,453 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5001% | 2,706 |
Loan loss allowance to noncurrent loans | 98.3165% | 3,712 |
Noncurrent assets plus other real estate owned to assets | 2.7263% | 916 |
Noncurrent loans to loans | 1.5257% | 2,121 |
Net loans and leases to total assets | 74.2181% | 1,491 |
Net loans and leases to deposits | 85.5880% | 1,956 |
Net loans and leases to core deposits | 101.7242% | 1,232 |
Total domestic deposits to total assets | 86.7155% | 2,470 |
Equity capital to assets | 10.4240% | 3,651 |
Core capital (leverage) ratio | 8.8592% | 5,251 |
Tier 1 risk-based capital ratio | 12.0019% | 5,482 |
Total risk-based capital ratio | 13.2558% | 5,398 |
Memoranda: | ||
Average total assets | $75,956,000 | 5,208 |
Average earning assets | $70,539,500 | 5,166 |
Average equity | $7,555,750 | 5,343 |
Average total loans | $60,045,500 | 4,526 |
2014-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6198% | 1,478 |
Cost of funding earning assets | 0.4057% | 3,814 |
Net interest margin | 4.2141% | 1,205 |
Noninterest income to average assets | -0.3552% | 6,641 |
Noninterest expense to average assets | 3.5180% | 1,442 |
Loan and lease loss provision to assets | 0.3287% | 569 |
Net operating income to assets | 2.3303% | 182 |
Return on assets (ROA) | 2.3303% | 189 |
Pretax return on assets | -0.2916% | 6,359 |
Return on Equity (ROE) | 23.8168% | 144 |
Retained earnings to average equity (ytd only) | 23.8168% | 53 |
Net charge-offs to loans | 0.5974% | 673 |
Credit loss provision to net charge-offs | 68.5083% | 2,496 |
Earnings coverage of net charge-offs (x) | 0.0773% | 4,119 |
Efficiency ratio | 98.9560% | 433 |
Assets per employee ($millions) | 4.6657% | 2,672 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7613% | 1,951 |
Loan loss allowance to noncurrent loans | 107.8000% | 3,470 |
Noncurrent assets plus other real estate owned to assets | 2.3034% | 1,295 |
Noncurrent loans to loans | 1.6339% | 2,128 |
Net loans and leases to total assets | 75.8059% | 1,200 |
Net loans and leases to deposits | 93.6704% | 987 |
Net loans and leases to core deposits | 112.3030% | 591 |
Total domestic deposits to total assets | 80.9284% | 5,004 |
Equity capital to assets | 10.0193% | 4,081 |
Core capital (leverage) ratio | 9.3323% | 4,550 |
Tier 1 risk-based capital ratio | 11.5097% | 5,793 |
Total risk-based capital ratio | 12.7685% | 5,747 |
Memoranda: | ||
Average total assets | $75,440,000 | 5,263 |
Average earning assets | $70,003,000 | 5,221 |
Average equity | $7,381,330 | 5,396 |
Average total loans | $60,594,670 | 4,530 |
2014-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7134% | 1,227 |
Cost of funding earning assets | 0.4455% | 3,478 |
Net interest margin | 4.2679% | 1,067 |
Noninterest income to average assets | 0.5388% | 3,119 |
Noninterest expense to average assets | 3.6081% | 1,295 |
Loan and lease loss provision to assets | 0.4735% | 327 |
Net operating income to assets | 0.3701% | 5,232 |
Return on assets (ROA) | 0.3701% | 5,297 |
Pretax return on assets | 0.4190% | 5,390 |
Return on Equity (ROE) | 3.8318% | 5,121 |
Retained earnings to average equity (ytd only) | 3.8318% | 3,829 |
Net charge-offs to loans | 1.2407% | 270 |
Credit loss provision to net charge-offs | 46.5241% | 2,235 |
Earnings coverage of net charge-offs (x) | 0.8770% | 3,242 |
Efficiency ratio | 80.1693% | 2,185 |
Assets per employee ($millions) | 4.0715% | 3,779 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7331% | 2,238 |
Loan loss allowance to noncurrent loans | 103.5000% | 3,535 |
Noncurrent assets plus other real estate owned to assets | 3.7781% | 658 |
Noncurrent loans to loans | 1.6745% | 2,317 |
Net loans and leases to total assets | 84.7836% | 197 |
Net loans and leases to deposits | 106.8382% | 221 |
Net loans and leases to core deposits | 123.8169% | 266 |
Total domestic deposits to total assets | 79.3571% | 5,620 |
Equity capital to assets | 10.3099% | 3,455 |
Core capital (leverage) ratio | 9.2477% | 4,652 |
Tier 1 risk-based capital ratio | 12.2275% | 5,487 |
Total risk-based capital ratio | 13.4843% | 5,417 |
Memoranda: | ||
Average total assets | $73,501,500 | 5,349 |
Average earning assets | $68,230,500 | 5,309 |
Average equity | $7,098,500 | 5,491 |
Average total loans | $60,289,500 | 4,578 |
2013-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4453% | 2,415 |
Cost of funding earning assets | 1.3664% | 82 |
Net interest margin | 3.0789% | 5,380 |
Noninterest income to average assets | 0.4533% | 4,068 |
Noninterest expense to average assets | 3.1488% | 2,595 |
Loan and lease loss provision to assets | 0.5267% | 517 |
Net operating income to assets | 0.3014% | 5,518 |
Return on assets (ROA) | 0.3014% | 5,615 |
Pretax return on assets | -0.3348% | 6,430 |
Return on Equity (ROE) | 3.3504% | 5,381 |
Retained earnings to average equity (ytd only) | 3.3504% | 3,845 |
Net charge-offs to loans | 0.9001% | 679 |
Credit loss provision to net charge-offs | 76.5918% | 3,127 |
Earnings coverage of net charge-offs (x) | 0.2790% | 4,991 |
Efficiency ratio | 94.2560% | 732 |
Assets per employee ($millions) | 4.5758% | 2,765 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8649% | 1,872 |
Loan loss allowance to noncurrent loans | 95.5387% | 3,731 |
Noncurrent assets plus other real estate owned to assets | 4.0533% | 649 |
Noncurrent loans to loans | 1.9520% | 2,041 |
Net loans and leases to total assets | 76.7805% | 978 |
Net loans and leases to deposits | 95.4867% | 769 |
Net loans and leases to core deposits | 109.8834% | 611 |
Total domestic deposits to total assets | 80.4096% | 5,340 |
Equity capital to assets | 9.0772% | 4,945 |
Core capital (leverage) ratio | 8.9314% | 5,108 |
Tier 1 risk-based capital ratio | 11.6613% | 5,818 |
Total risk-based capital ratio | 12.9210% | 5,751 |
Memoranda: | ||
Average total assets | $77,648,000 | 5,291 |
Average earning assets | $72,819,200 | 5,229 |
Average equity | $6,984,200 | 5,572 |
Average total loans | $59,328,800 | 4,636 |
2013-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4425% | 2,448 |
Cost of funding earning assets | 0.7529% | 1,583 |
Net interest margin | 3.6896% | 3,066 |
Noninterest income to average assets | 0.4570% | 4,108 |
Noninterest expense to average assets | 3.0716% | 2,754 |
Loan and lease loss provision to assets | 0.4999% | 548 |
Net operating income to assets | 0.3487% | 5,437 |
Return on assets (ROA) | 0.3487% | 5,565 |
Pretax return on assets | 0.3539% | 5,738 |
Return on Equity (ROE) | 3.8860% | 5,271 |
Retained earnings to average equity (ytd only) | 3.8860% | 3,926 |
Net charge-offs to loans | 0.6695% | 901 |
Credit loss provision to net charge-offs | 98.3108% | 2,426 |
Earnings coverage of net charge-offs (x) | 1.6790% | 4,278 |
Efficiency ratio | 78.2495% | 2,384 |
Assets per employee ($millions) | 4.5231% | 2,847 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1336% | 1,441 |
Loan loss allowance to noncurrent loans | 68.9940% | 4,455 |
Noncurrent assets plus other real estate owned to assets | 5.0538% | 547 |
Noncurrent loans to loans | 3.0924% | 1,287 |
Net loans and leases to total assets | 74.8651% | 1,148 |
Net loans and leases to deposits | 94.9433% | 764 |
Net loans and leases to core deposits | 110.3029% | 569 |
Total domestic deposits to total assets | 78.8524% | 5,770 |
Equity capital to assets | 9.1452% | 5,001 |
Core capital (leverage) ratio | 9.1343% | 4,913 |
Tier 1 risk-based capital ratio | 12.7686% | 5,282 |
Total risk-based capital ratio | 14.0319% | 5,207 |
Memoranda: | ||
Average total assets | $77,613,000 | 5,345 |
Average earning assets | $72,960,750 | 5,274 |
Average equity | $6,965,000 | 5,647 |
Average total loans | $58,945,750 | 4,683 |
2013-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4171% | 2,499 |
Cost of funding earning assets | 0.7617% | 1,638 |
Net interest margin | 3.6554% | 3,155 |
Noninterest income to average assets | 0.3930% | 4,573 |
Noninterest expense to average assets | 3.0673% | 2,769 |
Loan and lease loss provision to assets | 0.4008% | 775 |
Net operating income to assets | 0.3648% | 5,346 |
Return on assets (ROA) | 0.3648% | 5,521 |
Pretax return on assets | 0.3648% | 5,719 |
Return on Equity (ROE) | 4.0906% | 5,184 |
Retained earnings to average equity (ytd only) | 4.0906% | 3,690 |
Net charge-offs to loans | 0.6273% | 1,051 |
Credit loss provision to net charge-offs | 84.3243% | 2,548 |
Earnings coverage of net charge-offs (x) | 1.6108% | 3,988 |
Efficiency ratio | 80.0268% | 2,151 |
Assets per employee ($millions) | 4.7969% | 2,384 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0876% | 1,659 |
Loan loss allowance to noncurrent loans | 89.4622% | 3,725 |
Noncurrent assets plus other real estate owned to assets | 4.6006% | 701 |
Noncurrent loans to loans | 2.3335% | 2,020 |
Net loans and leases to total assets | 75.2251% | 1,085 |
Net loans and leases to deposits | 95.3353% | 715 |
Net loans and leases to core deposits | 114.1434% | 432 |
Total domestic deposits to total assets | 78.9058% | 5,816 |
Equity capital to assets | 9.1256% | 5,071 |
Core capital (leverage) ratio | 9.1027% | 4,822 |
Tier 1 risk-based capital ratio | 12.6260% | 5,413 |
Total risk-based capital ratio | 13.8878% | 5,341 |
Memoranda: | ||
Average total assets | $77,853,000 | 5,372 |
Average earning assets | $73,261,330 | 5,296 |
Average equity | $6,942,670 | 5,700 |
Average total loans | $58,987,330 | 4,704 |
2013-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4741% | 2,260 |
Cost of funding earning assets | 0.7845% | 1,618 |
Net interest margin | 3.6897% | 2,897 |
Noninterest income to average assets | 0.2857% | 5,419 |
Noninterest expense to average assets | 2.9335% | 3,217 |
Loan and lease loss provision to assets | 0.4745% | 577 |
Net operating income to assets | 0.3571% | 5,319 |
Return on assets (ROA) | 0.3571% | 5,459 |
Pretax return on assets | 0.3571% | 5,696 |
Return on Equity (ROE) | 4.0509% | 5,066 |
Retained earnings to average equity (ytd only) | 4.0509% | 3,800 |
Net charge-offs to loans | 0.3797% | 1,502 |
Credit loss provision to net charge-offs | 166.0714% | 1,271 |
Earnings coverage of net charge-offs (x) | 2.9107% | 2,900 |
Efficiency ratio | 77.9133% | 2,620 |
Assets per employee ($millions) | 5.1141% | 2,076 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.2402% | 1,501 |
Loan loss allowance to noncurrent loans | 109.5439% | 3,107 |
Noncurrent assets plus other real estate owned to assets | 3.5549% | 1,187 |
Noncurrent loans to loans | 2.0450% | 2,573 |
Net loans and leases to total assets | 73.7812% | 1,107 |
Net loans and leases to deposits | 93.3746% | 706 |
Net loans and leases to core deposits | 110.6963% | 476 |
Total domestic deposits to total assets | 79.0163% | 5,957 |
Equity capital to assets | 9.0481% | 5,424 |
Core capital (leverage) ratio | 8.9513% | 4,967 |
Tier 1 risk-based capital ratio | 12.6080% | 5,515 |
Total risk-based capital ratio | 13.8723% | 5,450 |
Memoranda: | ||
Average total assets | $78,404,000 | 5,405 |
Average earning assets | $73,936,500 | 5,322 |
Average equity | $6,912,000 | 5,766 |
Average total loans | $58,997,500 | 4,738 |
2012-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7797% | 2,272 |
Cost of funding earning assets | 0.8842% | 2,043 |
Net interest margin | 3.8955% | 2,849 |
Noninterest income to average assets | -0.1882% | 6,954 |
Noninterest expense to average assets | 3.0738% | 3,002 |
Loan and lease loss provision to assets | 1.2923% | 269 |
Net operating income to assets | -0.9099% | 6,715 |
Return on assets (ROA) | -0.4340% | 6,580 |
Pretax return on assets | -0.4340% | 6,543 |
Return on Equity (ROE) | -5.3652% | 6,609 |
Retained earnings to average equity (ytd only) | -5.3652% | 6,452 |
Net charge-offs to loans | 1.6853% | 492 |
Credit loss provision to net charge-offs | 103.0593% | 2,913 |
Earnings coverage of net charge-offs (x) | 0.3050% | 5,324 |
Efficiency ratio | 88.9351% | 1,153 |
Assets per employee ($millions) | 5.3397% | 1,851 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0965% | 1,779 |
Loan loss allowance to noncurrent loans | 112.8021% | 3,037 |
Noncurrent assets plus other real estate owned to assets | 3.3784% | 1,362 |
Noncurrent loans to loans | 1.8586% | 2,848 |
Net loans and leases to total assets | 73.4606% | 1,265 |
Net loans and leases to deposits | 94.4871% | 721 |
Net loans and leases to core deposits | 112.6472% | 447 |
Total domestic deposits to total assets | 77.7467% | 6,118 |
Equity capital to assets | 8.5934% | 5,973 |
Core capital (leverage) ratio | 8.7125% | 5,313 |
Tier 1 risk-based capital ratio | 12.2141% | 5,648 |
Total risk-based capital ratio | 13.4761% | 5,601 |
Memoranda: | ||
Average total assets | $83,414,000 | 5,262 |
Average earning assets | $78,039,000 | 5,181 |
Average equity | $6,747,200 | 5,828 |
Average total loans | $62,065,400 | 4,632 |
2012-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8519% | 2,190 |
Cost of funding earning assets | 0.9138% | 2,079 |
Net interest margin | 3.9382% | 2,767 |
Noninterest income to average assets | -0.3181% | 7,098 |
Noninterest expense to average assets | 3.0482% | 3,067 |
Loan and lease loss provision to assets | 1.6586% | 175 |
Net operating income to assets | -1.3484% | 6,935 |
Return on assets (ROA) | -0.7201% | 6,809 |
Pretax return on assets | -0.7201% | 6,782 |
Return on Equity (ROE) | -9.0366% | 6,844 |
Retained earnings to average equity (ytd only) | -9.0366% | 6,791 |
Net charge-offs to loans | 2.0397% | 347 |
Credit loss provision to net charge-offs | 109.5089% | 2,682 |
Earnings coverage of net charge-offs (x) | 0.2048% | 5,221 |
Efficiency ratio | 90.7634% | 982 |
Assets per employee ($millions) | 5.1442% | 1,997 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1717% | 1,765 |
Loan loss allowance to noncurrent loans | 91.2803% | 3,500 |
Noncurrent assets plus other real estate owned to assets | 4.1199% | 1,165 |
Noncurrent loans to loans | 2.3791% | 2,426 |
Net loans and leases to total assets | 77.0032% | 846 |
Net loans and leases to deposits | 101.6683% | 368 |
Net loans and leases to core deposits | 120.3744% | 301 |
Total domestic deposits to total assets | 75.7397% | 6,423 |
Equity capital to assets | 8.7723% | 6,043 |
Core capital (leverage) ratio | 8.7379% | 5,418 |
Tier 1 risk-based capital ratio | 11.9020% | 5,994 |
Total risk-based capital ratio | 13.1644% | 5,975 |
Memoranda: | ||
Average total assets | $84,243,500 | 5,291 |
Average earning assets | $78,646,750 | 5,219 |
Average equity | $6,713,250 | 5,908 |
Average total loans | $62,557,000 | 4,658 |
2012-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8484% | 2,311 |
Cost of funding earning assets | 0.9155% | 2,291 |
Net interest margin | 3.9328% | 2,778 |
Noninterest income to average assets | -0.6212% | 7,197 |
Noninterest expense to average assets | 3.0137% | 3,212 |
Loan and lease loss provision to assets | 1.1177% | 377 |
Net operating income to assets | -1.0623% | 6,925 |
Return on assets (ROA) | -0.1455% | 6,575 |
Pretax return on assets | -0.1455% | 6,551 |
Return on Equity (ROE) | -1.8821% | 6,612 |
Retained earnings to average equity (ytd only) | -1.8821% | 6,343 |
Net charge-offs to loans | 1.4724% | 682 |
Credit loss provision to net charge-offs | 104.0860% | 2,621 |
Earnings coverage of net charge-offs (x) | 0.0516% | 5,059 |
Efficiency ratio | 98.1941% | 617 |
Assets per employee ($millions) | 5.4117% | 1,695 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0343% | 2,142 |
Loan loss allowance to noncurrent loans | 55.0552% | 4,863 |
Noncurrent assets plus other real estate owned to assets | 4.4607% | 1,117 |
Noncurrent loans to loans | 3.6950% | 1,536 |
Net loans and leases to total assets | 73.9784% | 1,245 |
Net loans and leases to deposits | 96.7192% | 585 |
Net loans and leases to core deposits | 112.1231% | 505 |
Total domestic deposits to total assets | 76.4878% | 6,397 |
Equity capital to assets | 8.8217% | 5,890 |
Core capital (leverage) ratio | 8.6550% | 5,442 |
Tier 1 risk-based capital ratio | 12.3940% | 5,654 |
Total risk-based capital ratio | 13.6557% | 5,623 |
Memoranda: | ||
Average total assets | $86,603,670 | 5,260 |
Average earning assets | $81,264,670 | 5,171 |
Average equity | $6,694,670 | 5,935 |
Average total loans | $63,163,670 | 4,667 |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8442% | 2,465 |
Cost of funding earning assets | 0.9478% | 2,313 |
Net interest margin | 3.8964% | 2,942 |
Noninterest income to average assets | 0.2821% | 5,609 |
Noninterest expense to average assets | 2.9602% | 3,422 |
Loan and lease loss provision to assets | 1.6346% | 204 |
Net operating income to assets | -0.6673% | 6,896 |
Return on assets (ROA) | -0.6673% | 6,920 |
Pretax return on assets | -0.6673% | 6,889 |
Return on Equity (ROE) | -9.2239% | 6,977 |
Retained earnings to average equity (ytd only) | -9.2239% | 6,816 |
Net charge-offs to loans | 2.0469% | 452 |
Credit loss provision to net charge-offs | 111.2805% | 2,111 |
Earnings coverage of net charge-offs (x) | 0.6585% | 4,004 |
Efficiency ratio | 75.3706% | 2,874 |
Assets per employee ($millions) | 6.1501% | 1,189 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0198% | 2,301 |
Loan loss allowance to noncurrent loans | 61.9491% | 4,430 |
Noncurrent assets plus other real estate owned to assets | 4.3483% | 1,241 |
Noncurrent loans to loans | 3.2605% | 1,964 |
Net loans and leases to total assets | 71.2690% | 1,524 |
Net loans and leases to deposits | 90.7067% | 900 |
Net loans and leases to core deposits | 105.4491% | 697 |
Total domestic deposits to total assets | 78.5708% | 6,171 |
Equity capital to assets | 7.4028% | 6,818 |
Core capital (leverage) ratio | 7.0942% | 6,804 |
Tier 1 risk-based capital ratio | 10.0526% | 6,863 |
Total risk-based capital ratio | 11.3135% | 6,857 |
Memoranda: | ||
Average total assets | $89,318,000 | 5,230 |
Average earning assets | $83,563,500 | 5,157 |
Average equity | $6,461,500 | 6,022 |
Average total loans | $64,096,000 | 4,665 |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0726% | 2,560 |
Cost of funding earning assets | 1.2386% | 1,795 |
Net interest margin | 3.8339% | 3,654 |
Noninterest income to average assets | 0.2487% | 5,752 |
Noninterest expense to average assets | 3.1168% | 3,143 |
Loan and lease loss provision to assets | 1.9986% | 299 |
Net operating income to assets | -1.2791% | 6,849 |
Return on assets (ROA) | -1.2791% | 6,866 |
Pretax return on assets | -1.2791% | 6,835 |
Return on Equity (ROE) | -17.5928% | 6,945 |
Retained earnings to average equity (ytd only) | -17.5928% | 6,929 |
Net charge-offs to loans | 2.1162% | 629 |
Credit loss provision to net charge-offs | 128.1981% | 2,417 |
Earnings coverage of net charge-offs (x) | 0.4615% | 5,474 |
Efficiency ratio | 81.2465% | 2,127 |
Assets per employee ($millions) | 5.7834% | 1,388 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8730% | 2,651 |
Loan loss allowance to noncurrent loans | 47.0678% | 5,179 |
Noncurrent assets plus other real estate owned to assets | 4.7193% | 1,157 |
Noncurrent loans to loans | 3.9794% | 1,569 |
Net loans and leases to total assets | 69.5258% | 2,126 |
Net loans and leases to deposits | 87.7012% | 1,426 |
Net loans and leases to core deposits | 101.3708% | 1,072 |
Total domestic deposits to total assets | 79.2757% | 5,925 |
Equity capital to assets | 7.0774% | 6,942 |
Core capital (leverage) ratio | 6.8005% | 6,920 |
Tier 1 risk-based capital ratio | 9.8178% | 6,893 |
Total risk-based capital ratio | 11.0764% | 6,888 |
Memoranda: | ||
Average total assets | $93,267,600 | 5,089 |
Average earning assets | $87,273,600 | 5,016 |
Average equity | $6,781,200 | 5,933 |
Average total loans | $68,709,400 | 4,539 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1606% | 2,341 |
Cost of funding earning assets | 1.3127% | 1,633 |
Net interest margin | 3.8480% | 3,627 |
Noninterest income to average assets | 0.2211% | 6,036 |
Noninterest expense to average assets | 3.1460% | 3,008 |
Loan and lease loss provision to assets | 2.2471% | 223 |
Net operating income to assets | -1.5751% | 7,060 |
Return on assets (ROA) | -1.5751% | 7,071 |
Pretax return on assets | -1.5751% | 7,036 |
Return on Equity (ROE) | -21.5222% | 7,111 |
Retained earnings to average equity (ytd only) | -21.5222% | 7,098 |
Net charge-offs to loans | 2.0260% | 621 |
Credit loss provision to net charge-offs | 149.1477% | 2,107 |
Earnings coverage of net charge-offs (x) | 0.4460% | 5,292 |
Efficiency ratio | 82.3991% | 1,911 |
Assets per employee ($millions) | 5.5861% | 1,518 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9873% | 2,364 |
Loan loss allowance to noncurrent loans | 54.5492% | 4,731 |
Noncurrent assets plus other real estate owned to assets | 3.9629% | 1,544 |
Noncurrent loans to loans | 3.6431% | 1,886 |
Net loans and leases to total assets | 73.7765% | 1,356 |
Net loans and leases to deposits | 94.2579% | 810 |
Net loans and leases to core deposits | 106.8529% | 820 |
Total domestic deposits to total assets | 78.2709% | 6,140 |
Equity capital to assets | 7.4940% | 6,933 |
Core capital (leverage) ratio | 6.8167% | 7,004 |
Tier 1 risk-based capital ratio | 9.7676% | 7,013 |
Total risk-based capital ratio | 11.0284% | 7,004 |
Memoranda: | ||
Average total assets | $93,451,000 | 5,123 |
Average earning assets | $87,351,500 | 5,052 |
Average equity | $6,839,250 | 5,949 |
Average total loans | $69,496,000 | 4,549 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1465% | 2,481 |
Cost of funding earning assets | 1.3339% | 1,736 |
Net interest margin | 3.8127% | 3,719 |
Noninterest income to average assets | 0.2236% | 6,074 |
Noninterest expense to average assets | 3.2128% | 2,855 |
Loan and lease loss provision to assets | 2.7424% | 177 |
Net operating income to assets | -2.1559% | 7,217 |
Return on assets (ROA) | -2.1559% | 7,226 |
Pretax return on assets | -2.1559% | 7,198 |
Return on Equity (ROE) | -29.6820% | 7,238 |
Retained earnings to average equity (ytd only) | -29.6820% | 7,230 |
Net charge-offs to loans | 2.3863% | 518 |
Credit loss provision to net charge-offs | 155.1313% | 1,965 |
Earnings coverage of net charge-offs (x) | 0.3317% | 5,069 |
Efficiency ratio | 84.5641% | 1,755 |
Assets per employee ($millions) | 5.5428% | 1,536 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8600% | 2,799 |
Loan loss allowance to noncurrent loans | 47.5306% | 5,161 |
Noncurrent assets plus other real estate owned to assets | 4.1867% | 1,515 |
Noncurrent loans to loans | 3.9133% | 1,772 |
Net loans and leases to total assets | 71.6748% | 1,849 |
Net loans and leases to deposits | 91.7124% | 1,092 |
Net loans and leases to core deposits | 107.0096% | 865 |
Total domestic deposits to total assets | 78.1517% | 6,258 |
Equity capital to assets | 7.1200% | 7,075 |
Core capital (leverage) ratio | 6.9228% | 7,025 |
Tier 1 risk-based capital ratio | 9.6962% | 7,059 |
Total risk-based capital ratio | 10.9545% | 7,057 |
Memoranda: | ||
Average total assets | $94,808,670 | 5,117 |
Average earning assets | $88,914,000 | 5,027 |
Average equity | $6,886,330 | 5,952 |
Average total loans | $70,235,670 | 4,569 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1733% | 2,337 |
Cost of funding earning assets | 1.4195% | 1,515 |
Net interest margin | 3.7538% | 3,823 |
Noninterest income to average assets | 0.0000% | 7,288 |
Noninterest expense to average assets | 3.0410% | 3,482 |
Loan and lease loss provision to assets | 1.9306% | 286 |
Net operating income to assets | -1.4679% | 7,189 |
Return on assets (ROA) | -1.4679% | 7,194 |
Pretax return on assets | -1.4679% | 7,149 |
Return on Equity (ROE) | -20.0143% | 7,219 |
Retained earnings to average equity (ytd only) | -20.0143% | 7,155 |
Net charge-offs to loans | 0.5074% | 2,209 |
Credit loss provision to net charge-offs | 510.0000% | 705 |
Earnings coverage of net charge-offs (x) | 1.2222% | 3,748 |
Efficiency ratio | 86.7947% | 1,632 |
Assets per employee ($millions) | 5.2363% | 1,844 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6615% | 3,482 |
Loan loss allowance to noncurrent loans | 31.0165% | 6,239 |
Noncurrent assets plus other real estate owned to assets | 4.1824% | 1,576 |
Noncurrent loans to loans | 5.3569% | 1,227 |
Net loans and leases to total assets | 74.5377% | 1,263 |
Net loans and leases to deposits | 94.4236% | 790 |
Net loans and leases to core deposits | 112.0103% | 659 |
Total domestic deposits to total assets | 78.9397% | 6,204 |
Equity capital to assets | 7.3653% | 6,943 |
Core capital (leverage) ratio | 7.0528% | 6,984 |
Tier 1 risk-based capital ratio | 9.9548% | 7,022 |
Total risk-based capital ratio | 11.2112% | 7,017 |
Memoranda: | ||
Average total assets | $95,099,500 | 5,137 |
Average earning assets | $88,763,000 | 5,062 |
Average equity | $6,975,000 | 5,936 |
Average total loans | $70,945,000 | 4,587 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.7464% | 1,415 |
Cost of funding earning assets | 1.6703% | 1,726 |
Net interest margin | 4.0760% | 2,678 |
Noninterest income to average assets | 0.1433% | 6,674 |
Noninterest expense to average assets | 3.1637% | 3,217 |
Loan and lease loss provision to assets | 2.3107% | 519 |
Net operating income to assets | -1.6031% | 6,942 |
Return on assets (ROA) | -1.4238% | 6,903 |
Pretax return on assets | -1.4238% | 6,827 |
Return on Equity (ROE) | -16.1510% | 6,955 |
Retained earnings to average equity (ytd only) | -16.1510% | 6,921 |
Net charge-offs to loans | 3.0023% | 553 |
Credit loss provision to net charge-offs | 97.8694% | 4,733 |
Earnings coverage of net charge-offs (x) | 0.2997% | 5,807 |
Efficiency ratio | 81.7232% | 2,199 |
Assets per employee ($millions) | 5.3303% | 1,729 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1611% | 5,685 |
Loan loss allowance to noncurrent loans | 23.3248% | 6,677 |
Noncurrent assets plus other real estate owned to assets | 3.8615% | 1,774 |
Noncurrent loans to loans | 4.9781% | 1,355 |
Net loans and leases to total assets | 72.5731% | 1,970 |
Net loans and leases to deposits | 91.5896% | 1,309 |
Net loans and leases to core deposits | 106.9223% | 1,133 |
Total domestic deposits to total assets | 79.2373% | 6,024 |
Equity capital to assets | 7.3041% | 6,997 |
Core capital (leverage) ratio | 7.1583% | 6,935 |
Tier 1 risk-based capital ratio | 10.1345% | 6,913 |
Total risk-based capital ratio | 11.3593% | 6,913 |
Memoranda: | ||
Average total assets | $91,445,000 | 5,245 |
Average earning assets | $83,635,200 | 5,222 |
Average equity | $8,061,400 | 5,693 |
Average total loans | $71,910,800 | 4,611 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.8633% | 1,222 |
Cost of funding earning assets | 1.7304% | 1,720 |
Net interest margin | 4.1329% | 2,473 |
Noninterest income to average assets | 0.2022% | 6,449 |
Noninterest expense to average assets | 3.1886% | 2,965 |
Loan and lease loss provision to assets | 1.3404% | 1,022 |
Net operating income to assets | -0.5683% | 6,645 |
Return on assets (ROA) | -0.3262% | 6,504 |
Pretax return on assets | -0.3262% | 6,428 |
Return on Equity (ROE) | -3.5396% | 6,540 |
Retained earnings to average equity (ytd only) | -3.5396% | 6,412 |
Net charge-offs to loans | 1.6326% | 1,211 |
Credit loss provision to net charge-offs | 102.5989% | 4,194 |
Earnings coverage of net charge-offs (x) | 0.5910% | 5,432 |
Efficiency ratio | 80.5069% | 2,272 |
Assets per employee ($millions) | 4.7467% | 2,530 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2112% | 5,435 |
Loan loss allowance to noncurrent loans | 24.2019% | 6,695 |
Noncurrent assets plus other real estate owned to assets | 4.6204% | 1,455 |
Noncurrent loans to loans | 5.0046% | 1,378 |
Net loans and leases to total assets | 80.2167% | 715 |
Net loans and leases to deposits | 104.8828% | 403 |
Net loans and leases to core deposits | 128.3282% | 406 |
Total domestic deposits to total assets | 76.4822% | 6,572 |
Equity capital to assets | 9.1022% | 5,447 |
Core capital (leverage) ratio | 8.7716% | 5,063 |
Tier 1 risk-based capital ratio | 12.3745% | 5,098 |
Total risk-based capital ratio | 13.6261% | 5,074 |
Memoranda: | ||
Average total assets | $90,319,750 | 5,346 |
Average earning assets | $82,136,000 | 5,339 |
Average equity | $8,324,750 | 5,685 |
Average total loans | $72,276,250 | 4,670 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.9318% | 1,102 |
Cost of funding earning assets | 1.7575% | 1,830 |
Net interest margin | 4.1743% | 2,246 |
Noninterest income to average assets | 0.2833% | 5,877 |
Noninterest expense to average assets | 3.1783% | 2,979 |
Loan and lease loss provision to assets | 0.7481% | 1,935 |
Net operating income to assets | 0.1682% | 5,668 |
Return on assets (ROA) | 0.4095% | 4,876 |
Pretax return on assets | 0.4095% | 5,194 |
Return on Equity (ROE) | 4.4241% | 4,586 |
Retained earnings to average equity (ytd only) | 4.4241% | 3,259 |
Net charge-offs to loans | 0.8505% | 2,128 |
Credit loss provision to net charge-offs | 110.4575% | 3,679 |
Earnings coverage of net charge-offs (x) | 1.3529% | 4,469 |
Efficiency ratio | 77.6216% | 2,790 |
Assets per employee ($millions) | 5.0758% | 2,086 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2635% | 5,114 |
Loan loss allowance to noncurrent loans | 92.7536% | 2,956 |
Noncurrent assets plus other real estate owned to assets | 1.2587% | 4,631 |
Noncurrent loans to loans | 1.3622% | 4,668 |
Net loans and leases to total assets | 76.6385% | 1,361 |
Net loans and leases to deposits | 100.5543% | 674 |
Net loans and leases to core deposits | 125.0424% | 543 |
Total domestic deposits to total assets | 76.2160% | 6,645 |
Equity capital to assets | 9.5267% | 4,664 |
Core capital (leverage) ratio | 9.3798% | 3,994 |
Tier 1 risk-based capital ratio | 13.2183% | 4,275 |
Total risk-based capital ratio | 14.4703% | 4,228 |
Memoranda: | ||
Average total assets | $90,364,000 | 5,376 |
Average earning assets | $82,504,670 | 5,355 |
Average equity | $8,363,330 | 5,679 |
Average total loans | $71,957,670 | 4,716 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.9611% | 1,053 |
Cost of funding earning assets | 1.7912% | 1,912 |
Net interest margin | 4.1699% | 2,157 |
Noninterest income to average assets | 0.2582% | 6,089 |
Noninterest expense to average assets | 3.3295% | 2,436 |
Loan and lease loss provision to assets | 0.8146% | 1,551 |
Net operating income to assets | -0.0312% | 6,351 |
Return on assets (ROA) | 0.4540% | 4,724 |
Pretax return on assets | 0.4540% | 5,116 |
Return on Equity (ROE) | 4.9799% | 4,377 |
Retained earnings to average equity (ytd only) | 4.9799% | 3,165 |
Net charge-offs to loans | 1.1314% | 1,489 |
Credit loss provision to net charge-offs | 89.2683% | 3,675 |
Earnings coverage of net charge-offs (x) | 0.8585% | 4,275 |
Efficiency ratio | 80.9524% | 2,416 |
Assets per employee ($millions) | 4.5827% | 2,834 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1739% | 5,638 |
Loan loss allowance to noncurrent loans | 78.6181% | 3,466 |
Noncurrent assets plus other real estate owned to assets | 1.4413% | 4,344 |
Noncurrent loans to loans | 1.4931% | 4,507 |
Net loans and leases to total assets | 81.4108% | 660 |
Net loans and leases to deposits | 109.7697% | 298 |
Net loans and leases to core deposits | 134.2106% | 406 |
Total domestic deposits to total assets | 74.1651% | 7,024 |
Equity capital to assets | 9.8022% | 4,103 |
Core capital (leverage) ratio | 9.0372% | 4,498 |
Tier 1 risk-based capital ratio | 12.8474% | 4,439 |
Total risk-based capital ratio | 14.0987% | 4,413 |
Memoranda: | ||
Average total assets | $89,864,000 | 5,462 |
Average earning assets | $83,072,500 | 5,394 |
Average equity | $8,193,000 | 5,775 |
Average total loans | $72,478,500 | 4,766 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.9381% | 2,091 |
Cost of funding earning assets | 2.2451% | 1,854 |
Net interest margin | 3.6930% | 4,177 |
Noninterest income to average assets | 0.2535% | 6,290 |
Noninterest expense to average assets | 3.2266% | 3,287 |
Loan and lease loss provision to assets | 2.0940% | 1,012 |
Net operating income to assets | -2.8961% | 7,372 |
Return on assets (ROA) | -2.8961% | 7,382 |
Pretax return on assets | -1.5839% | 6,743 |
Return on Equity (ROE) | -30.8604% | 7,421 |
Retained earnings to average equity (ytd only) | -30.8604% | 7,407 |
Net charge-offs to loans | 2.9150% | 735 |
Credit loss provision to net charge-offs | 90.2720% | 5,988 |
Earnings coverage of net charge-offs (x) | 0.2199% | 5,909 |
Efficiency ratio | 86.3480% | 2,072 |
Assets per employee ($millions) | 4.8766% | 2,367 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1799% | 5,474 |
Loan loss allowance to noncurrent loans | 64.6223% | 4,159 |
Noncurrent assets plus other real estate owned to assets | 1.6718% | 3,862 |
Noncurrent loans to loans | 1.8258% | 3,890 |
Net loans and leases to total assets | 78.1007% | 1,360 |
Net loans and leases to deposits | 111.6520% | 326 |
Net loans and leases to core deposits | 161.3489% | 326 |
Total domestic deposits to total assets | 69.9501% | 7,431 |
Equity capital to assets | 8.4733% | 5,920 |
Core capital (leverage) ratio | 8.2250% | 5,769 |
Tier 1 risk-based capital ratio | 11.2595% | 5,651 |
Total risk-based capital ratio | 12.5104% | 5,604 |
Memoranda: | ||
Average total assets | $93,504,000 | 5,284 |
Average earning assets | $88,193,200 | 5,188 |
Average equity | $8,775,000 | 5,671 |
Average total loans | $74,409,400 | 4,712 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.9135% | 2,391 |
Cost of funding earning assets | 2.3474% | 1,819 |
Net interest margin | 3.5661% | 4,610 |
Noninterest income to average assets | 0.2205% | 6,652 |
Noninterest expense to average assets | 3.2736% | 3,016 |
Loan and lease loss provision to assets | 1.8552% | 1,000 |
Net operating income to assets | -3.2694% | 7,644 |
Return on assets (ROA) | -3.2694% | 7,649 |
Pretax return on assets | -1.5237% | 6,978 |
Return on Equity (ROE) | -34.0209% | 7,684 |
Retained earnings to average equity (ytd only) | -34.0209% | 7,675 |
Net charge-offs to loans | 2.8271% | 618 |
Credit loss provision to net charge-offs | 82.3232% | 5,697 |
Earnings coverage of net charge-offs (x) | 0.1471% | 5,887 |
Efficiency ratio | 90.8051% | 1,621 |
Assets per employee ($millions) | 4.8031% | 2,397 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0792% | 5,844 |
Loan loss allowance to noncurrent loans | 54.0449% | 4,724 |
Noncurrent assets plus other real estate owned to assets | 1.7445% | 3,744 |
Noncurrent loans to loans | 1.9968% | 3,648 |
Net loans and leases to total assets | 79.8519% | 1,200 |
Net loans and leases to deposits | 113.2995% | 352 |
Net loans and leases to core deposits | 165.0630% | 317 |
Total domestic deposits to total assets | 70.4785% | 7,382 |
Equity capital to assets | 8.5811% | 6,135 |
Core capital (leverage) ratio | 7.9190% | 6,476 |
Tier 1 risk-based capital ratio | 11.2649% | 5,667 |
Total risk-based capital ratio | 12.4784% | 5,666 |
Memoranda: | ||
Average total assets | $93,716,000 | 5,308 |
Average earning assets | $88,946,750 | 5,198 |
Average equity | $9,006,000 | 5,659 |
Average total loans | $74,704,500 | 4,746 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.8766% | 2,690 |
Cost of funding earning assets | 2.3957% | 1,984 |
Net interest margin | 3.4810% | 4,889 |
Noninterest income to average assets | 0.2750% | 6,296 |
Noninterest expense to average assets | 3.2856% | 3,023 |
Loan and lease loss provision to assets | 0.9901% | 1,702 |
Net operating income to assets | -0.4591% | 6,505 |
Return on assets (ROA) | -0.4591% | 6,512 |
Pretax return on assets | -0.6960% | 6,596 |
Return on Equity (ROE) | -4.6182% | 6,565 |
Retained earnings to average equity (ytd only) | -4.6182% | 6,242 |
Net charge-offs to loans | 1.7641% | 1,075 |
Credit loss provision to net charge-offs | 70.6949% | 5,403 |
Earnings coverage of net charge-offs (x) | 0.2100% | 5,461 |
Efficiency ratio | 91.7849% | 1,657 |
Assets per employee ($millions) | 4.9298% | 2,168 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1882% | 5,026 |
Loan loss allowance to noncurrent loans | 44.2491% | 5,420 |
Noncurrent assets plus other real estate owned to assets | 2.2986% | 2,835 |
Noncurrent loans to loans | 2.6854% | 2,679 |
Net loans and leases to total assets | 78.2162% | 1,696 |
Net loans and leases to deposits | 113.6515% | 413 |
Net loans and leases to core deposits | 175.7894% | 260 |
Total domestic deposits to total assets | 68.8211% | 7,567 |
Equity capital to assets | 9.8435% | 4,157 |
Core capital (leverage) ratio | 8.2973% | 5,802 |
Tier 1 risk-based capital ratio | 11.5820% | 5,303 |
Total risk-based capital ratio | 12.8330% | 5,234 |
Memoranda: | ||
Average total assets | $94,535,000 | 5,324 |
Average earning assets | $89,745,330 | 5,210 |
Average equity | $9,397,670 | 5,548 |
Average total loans | $75,050,330 | 4,772 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.8351% | 3,118 |
Cost of funding earning assets | 2.4674% | 2,040 |
Net interest margin | 3.3678% | 5,259 |
Noninterest income to average assets | 0.2443% | 6,502 |
Noninterest expense to average assets | 3.2137% | 2,928 |
Loan and lease loss provision to assets | 0.9477% | 1,374 |
Net operating income to assets | -0.4633% | 6,839 |
Return on assets (ROA) | -0.4633% | 6,902 |
Pretax return on assets | -0.7034% | 6,969 |
Return on Equity (ROE) | -4.6382% | 6,951 |
Retained earnings to average equity (ytd only) | -4.6382% | 6,505 |
Net charge-offs to loans | 2.3893% | 604 |
Credit loss provision to net charge-offs | 49.8891% | 4,691 |
Earnings coverage of net charge-offs (x) | 0.1286% | 4,870 |
Efficiency ratio | 92.9354% | 1,504 |
Assets per employee ($millions) | 4.9949% | 2,077 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1223% | 5,312 |
Loan loss allowance to noncurrent loans | 55.5992% | 4,859 |
Noncurrent assets plus other real estate owned to assets | 1.7797% | 3,251 |
Noncurrent loans to loans | 2.0186% | 3,240 |
Net loans and leases to total assets | 78.8131% | 1,622 |
Net loans and leases to deposits | 116.8706% | 363 |
Net loans and leases to core deposits | 184.7271% | 206 |
Total domestic deposits to total assets | 67.4362% | 7,638 |
Equity capital to assets | 9.9681% | 4,036 |
Core capital (leverage) ratio | 8.4646% | 5,606 |
Tier 1 risk-based capital ratio | 11.6060% | 5,299 |
Total risk-based capital ratio | 12.8437% | 5,216 |
Memoranda: | ||
Average total assets | $94,969,500 | 5,330 |
Average earning assets | $90,623,500 | 5,201 |
Average equity | $9,486,500 | 5,538 |
Average total loans | $75,504,000 | 4,780 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.7231% | 1,947 |
Cost of funding earning assets | 3.2314% | 1,096 |
Net interest margin | 3.4917% | 5,325 |
Noninterest income to average assets | 0.2055% | 6,974 |
Noninterest expense to average assets | 3.4627% | 2,491 |
Loan and lease loss provision to assets | 0.7000% | 2,100 |
Net operating income to assets | -0.4231% | 6,850 |
Return on assets (ROA) | -0.4231% | 6,722 |
Pretax return on assets | -0.6407% | 6,765 |
Return on Equity (ROE) | -4.1137% | 6,763 |
Retained earnings to average equity (ytd only) | -4.1137% | 6,347 |
Net charge-offs to loans | 0.3393% | 3,135 |
Credit loss provision to net charge-offs | 266.5272% | 1,738 |
Earnings coverage of net charge-offs (x) | 0.2259% | 6,098 |
Efficiency ratio | 98.3151% | 1,051 |
Assets per employee ($millions) | 4.7518% | 2,234 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4264% | 3,051 |
Loan loss allowance to noncurrent loans | 65.5888% | 4,731 |
Noncurrent assets plus other real estate owned to assets | 1.8951% | 2,595 |
Noncurrent loans to loans | 2.1748% | 2,537 |
Net loans and leases to total assets | 78.1683% | 2,095 |
Net loans and leases to deposits | 108.7417% | 919 |
Net loans and leases to core deposits | 154.3775% | 705 |
Total domestic deposits to total assets | 71.8843% | 7,024 |
Equity capital to assets | 10.0099% | 4,025 |
Core capital (leverage) ratio | 8.6054% | 5,374 |
Tier 1 risk-based capital ratio | 11.6285% | 5,124 |
Total risk-based capital ratio | 12.8819% | 5,013 |
Memoranda: | ||
Average total assets | $90,998,400 | 5,324 |
Average earning assets | $86,433,400 | 5,209 |
Average equity | $9,359,000 | 5,616 |
Average total loans | $70,429,800 | 4,853 |