Home > BankAtlantic > Performance and Condition Ratios
BankAtlantic, Performance and Condition Ratios
| 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 | 3.2017% | 6,869 |
| Cost of funding earning assets | 0.3851% | 6,351 |
| Net interest margin | 2.8165% | 6,548 |
| Noninterest income to average assets | 1.7178% | 515 |
| Noninterest expense to average assets | 4.0214% | 916 |
| Loan and lease loss provision to assets | 0.7910% | 641 |
| Net operating income to assets | -0.5646% | 6,763 |
| Return on assets (ROA) | -0.5646% | 6,793 |
| Pretax return on assets | -0.5646% | 6,759 |
| Return on Equity (ROE) | -7.4291% | 6,845 |
| Retained earnings to average equity (ytd only) | -7.4291% | 6,738 |
| Net charge-offs to loans | 7.5513% | 17 |
| Credit loss provision to net charge-offs | 16.0443% | 4,666 |
| Earnings coverage of net charge-offs (x) | 0.0459% | 5,061 |
| Efficiency ratio | 94.2996% | 792 |
| Assets per employee ($millions) | 4.1662% | 3,527 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5838% | 1,170 |
| Loan loss allowance to noncurrent loans | 22.5249% | 6,447 |
| Noncurrent assets plus other real estate owned to assets | 9.0089% | 339 |
| Noncurrent loans to loans | 11.4709% | 190 |
| Net loans and leases to total assets | 59.1354% | 3,965 |
| Net loans and leases to deposits | 65.1936% | 4,618 |
| Net loans and leases to core deposits | 65.4519% | 5,061 |
| Total domestic deposits to total assets | 90.7073% | 559 |
| Equity capital to assets | 7.3646% | 6,832 |
| Core capital (leverage) ratio | 7.6012% | 6,568 |
| Tier 1 risk-based capital ratio | 13.9429% | 4,485 |
| Total risk-based capital ratio | 16.2770% | 3,709 |
| Memoranda: | ||
| Average total assets | $3,758,913,000 | 217 |
| Average earning assets | $3,376,566,330 | 211 |
| Average equity | $285,688,330 | 284 |
| Average total loans | $2,454,197,000 | 201 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4510% | 6,755 |
| Cost of funding earning assets | 0.3888% | 6,462 |
| Net interest margin | 3.0623% | 6,152 |
| Noninterest income to average assets | 1.8880% | 452 |
| Noninterest expense to average assets | 4.2508% | 699 |
| Loan and lease loss provision to assets | 0.9157% | 479 |
| Net operating income to assets | -0.5333% | 6,841 |
| Return on assets (ROA) | -0.5333% | 6,872 |
| Pretax return on assets | -0.5332% | 6,844 |
| Return on Equity (ROE) | -6.9077% | 6,918 |
| Retained earnings to average equity (ytd only) | -6.9077% | 6,715 |
| Net charge-offs to loans | 13.1485% | 10 |
| Credit loss provision to net charge-offs | 10.2979% | 3,898 |
| Earnings coverage of net charge-offs (x) | 0.0430% | 4,345 |
| Efficiency ratio | 91.0627% | 1,012 |
| Assets per employee ($millions) | 3.8637% | 4,270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5712% | 1,263 |
| Loan loss allowance to noncurrent loans | 23.4273% | 6,443 |
| Noncurrent assets plus other real estate owned to assets | 9.0047% | 389 |
| Noncurrent loans to loans | 10.9750% | 248 |
| Net loans and leases to total assets | 62.5274% | 3,153 |
| Net loans and leases to deposits | 69.0120% | 3,872 |
| Net loans and leases to core deposits | 69.3512% | 4,519 |
| Total domestic deposits to total assets | 90.6036% | 746 |
| Equity capital to assets | 7.4849% | 6,784 |
| Core capital (leverage) ratio | 7.7197% | 6,468 |
| Tier 1 risk-based capital ratio | 13.4855% | 4,838 |
| Total risk-based capital ratio | 15.7654% | 4,051 |
| Memoranda: | ||
| Average total assets | $3,734,416,000 | 217 |
| Average earning assets | $3,347,968,500 | 209 |
| Average equity | $288,314,500 | 274 |
| Average total loans | $2,525,522,500 | 198 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9368% | 6,564 |
| Cost of funding earning assets | 0.4379% | 6,772 |
| Net interest margin | 3.4989% | 5,149 |
| Noninterest income to average assets | 3.1933% | 197 |
| Noninterest expense to average assets | 4.5353% | 572 |
| Loan and lease loss provision to assets | 1.8445% | 349 |
| Net operating income to assets | -0.0566% | 6,117 |
| Return on assets (ROA) | -0.0649% | 6,209 |
| Pretax return on assets | -0.0723% | 6,189 |
| Return on Equity (ROE) | -0.8841% | 6,234 |
| Retained earnings to average equity (ytd only) | -0.8841% | 5,984 |
| Net charge-offs to loans | 3.3159% | 250 |
| Credit loss provision to net charge-offs | 77.7241% | 4,564 |
| Earnings coverage of net charge-offs (x) | 0.7503% | 5,242 |
| Efficiency ratio | 71.3382% | 3,726 |
| Assets per employee ($millions) | 3.5483% | 4,893 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3138% | 1,602 |
| Loan loss allowance to noncurrent loans | 22.5445% | 6,533 |
| Noncurrent assets plus other real estate owned to assets | 9.4275% | 366 |
| Noncurrent loans to loans | 10.2632% | 299 |
| Net loans and leases to total assets | 69.5948% | 2,116 |
| Net loans and leases to deposits | 77.0860% | 2,983 |
| Net loans and leases to core deposits | 77.5727% | 3,736 |
| Total domestic deposits to total assets | 90.2820% | 831 |
| Equity capital to assets | 7.9672% | 6,595 |
| Core capital (leverage) ratio | 8.1942% | 6,012 |
| Tier 1 risk-based capital ratio | 12.8936% | 5,162 |
| Total risk-based capital ratio | 15.1134% | 4,384 |
| Memoranda: | ||
| Average total assets | $4,016,039,400 | 200 |
| Average earning assets | $3,583,974,400 | 197 |
| Average equity | $294,763,800 | 266 |
| Average total loans | $2,874,151,400 | 179 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0083% | 6,573 |
| Cost of funding earning assets | 0.4497% | 6,879 |
| Net interest margin | 3.5586% | 4,947 |
| Noninterest income to average assets | 3.5153% | 180 |
| Noninterest expense to average assets | 4.5818% | 537 |
| Loan and lease loss provision to assets | 1.9003% | 300 |
| Net operating income to assets | 0.2117% | 5,669 |
| Return on assets (ROA) | 0.2010% | 5,828 |
| Pretax return on assets | 0.1971% | 5,901 |
| Return on Equity (ROE) | 2.7919% | 5,505 |
| Retained earnings to average equity (ytd only) | 2.7919% | 4,687 |
| Net charge-offs to loans | 3.1181% | 293 |
| Credit loss provision to net charge-offs | 85.0710% | 3,959 |
| Earnings coverage of net charge-offs (x) | 0.9437% | 4,913 |
| Efficiency ratio | 68.0524% | 4,301 |
| Assets per employee ($millions) | 3.5140% | 4,957 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6265% | 1,233 |
| Loan loss allowance to noncurrent loans | 27.7838% | 6,368 |
| Noncurrent assets plus other real estate owned to assets | 9.1495% | 426 |
| Noncurrent loans to loans | 9.4534% | 392 |
| Net loans and leases to total assets | 71.0821% | 1,886 |
| Net loans and leases to deposits | 78.8842% | 2,831 |
| Net loans and leases to core deposits | 79.5636% | 3,701 |
| Total domestic deposits to total assets | 90.1094% | 810 |
| Equity capital to assets | 8.2540% | 6,524 |
| Core capital (leverage) ratio | 8.2911% | 5,988 |
| Tier 1 risk-based capital ratio | 12.7734% | 5,273 |
| Total risk-based capital ratio | 14.9628% | 4,533 |
| Memoranda: | ||
| Average total assets | $4,108,129,250 | 191 |
| Average earning assets | $3,664,835,000 | 192 |
| Average equity | $295,800,000 | 267 |
| Average total loans | $2,943,008,000 | 178 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0463% | 6,582 |
| Cost of funding earning assets | 0.4731% | 6,937 |
| Net interest margin | 3.5733% | 4,824 |
| Noninterest income to average assets | 3.8302% | 174 |
| Noninterest expense to average assets | 4.4553% | 628 |
| Loan and lease loss provision to assets | 1.8779% | 348 |
| Net operating income to assets | 0.6882% | 3,607 |
| Return on assets (ROA) | 0.6607% | 3,863 |
| Pretax return on assets | 0.6607% | 4,530 |
| Return on Equity (ROE) | 9.5841% | 2,280 |
| Retained earnings to average equity (ytd only) | 9.5841% | 943 |
| Net charge-offs to loans | 2.6532% | 420 |
| Credit loss provision to net charge-offs | 99.3489% | 3,186 |
| Earnings coverage of net charge-offs (x) | 1.3576% | 4,263 |
| Efficiency ratio | 63.0471% | 5,400 |
| Assets per employee ($millions) | 3.6665% | 4,525 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8466% | 1,033 |
| Loan loss allowance to noncurrent loans | 31.6254% | 6,165 |
| Noncurrent assets plus other real estate owned to assets | 8.5470% | 510 |
| Noncurrent loans to loans | 9.0008% | 462 |
| Net loans and leases to total assets | 72.2356% | 1,745 |
| Net loans and leases to deposits | 80.3900% | 2,723 |
| Net loans and leases to core deposits | 81.2389% | 3,617 |
| Total domestic deposits to total assets | 89.8565% | 1,042 |
| Equity capital to assets | 8.3777% | 6,329 |
| Core capital (leverage) ratio | 8.2432% | 5,962 |
| Tier 1 risk-based capital ratio | 12.3814% | 5,451 |
| Total risk-based capital ratio | 14.5232% | 4,687 |
| Memoranda: | ||
| Average total assets | $4,241,736,000 | 194 |
| Average earning assets | $3,788,177,670 | 192 |
| Average equity | $292,399,670 | 271 |
| Average total loans | $3,021,905,330 | 179 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9661% | 6,749 |
| Cost of funding earning assets | 0.4745% | 7,051 |
| Net interest margin | 3.4916% | 5,048 |
| Noninterest income to average assets | 2.0793% | 341 |
| Noninterest expense to average assets | 4.0998% | 922 |
| Loan and lease loss provision to assets | 2.5736% | 197 |
| Net operating income to assets | -1.4725% | 7,191 |
| Return on assets (ROA) | -1.4990% | 7,202 |
| Pretax return on assets | -1.4989% | 7,160 |
| Return on Equity (ROE) | -23.9694% | 7,267 |
| Retained earnings to average equity (ytd only) | -23.9694% | 7,224 |
| Net charge-offs to loans | 3.1285% | 339 |
| Credit loss provision to net charge-offs | 117.6826% | 2,304 |
| Earnings coverage of net charge-offs (x) | 0.5035% | 4,241 |
| Efficiency ratio | 78.2930% | 2,799 |
| Assets per employee ($millions) | 3.7150% | 4,504 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8386% | 1,071 |
| Loan loss allowance to noncurrent loans | 29.5092% | 6,328 |
| Noncurrent assets plus other real estate owned to assets | 8.0588% | 589 |
| Noncurrent loans to loans | 9.6195% | 435 |
| Net loans and leases to total assets | 66.2609% | 2,943 |
| Net loans and leases to deposits | 72.9352% | 3,933 |
| Net loans and leases to core deposits | 74.2438% | 4,514 |
| Total domestic deposits to total assets | 90.8490% | 701 |
| Equity capital to assets | 6.0924% | 7,274 |
| Core capital (leverage) ratio | 5.9668% | 7,257 |
| Tier 1 risk-based capital ratio | 9.6810% | 7,099 |
| Total risk-based capital ratio | 11.7656% | 6,783 |
| Memoranda: | ||
| Average total assets | $4,446,868,500 | 184 |
| Average earning assets | $3,975,662,000 | 185 |
| Average equity | $278,104,500 | 275 |
| Average total loans | $3,108,469,000 | 175 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2942% | 6,799 |
| Cost of funding earning assets | 0.6025% | 7,124 |
| Net interest margin | 3.6917% | 4,382 |
| Noninterest income to average assets | 1.9400% | 418 |
| Noninterest expense to average assets | 4.7512% | 525 |
| Loan and lease loss provision to assets | 3.1157% | 292 |
| Net operating income to assets | -2.5912% | 7,205 |
| Return on assets (ROA) | -2.5390% | 7,208 |
| Pretax return on assets | -2.5854% | 7,192 |
| Return on Equity (ROE) | -34.0730% | 7,280 |
| Retained earnings to average equity (ytd only) | -34.0730% | 7,270 |
| Net charge-offs to loans | 5.2181% | 158 |
| Credit loss provision to net charge-offs | 77.2780% | 5,655 |
| Earnings coverage of net charge-offs (x) | 0.1182% | 6,004 |
| Efficiency ratio | 90.3643% | 1,298 |
| Assets per employee ($millions) | 3.5329% | 4,864 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5427% | 1,363 |
| Loan loss allowance to noncurrent loans | 28.2878% | 6,398 |
| Noncurrent assets plus other real estate owned to assets | 7.8743% | 638 |
| Noncurrent loans to loans | 8.9885% | 520 |
| Net loans and leases to total assets | 69.7707% | 2,579 |
| Net loans and leases to deposits | 79.8689% | 3,198 |
| Net loans and leases to core deposits | 81.4914% | 3,979 |
| Total domestic deposits to total assets | 87.3566% | 2,636 |
| Equity capital to assets | 6.4139% | 7,274 |
| Core capital (leverage) ratio | 6.2177% | 7,258 |
| Tier 1 risk-based capital ratio | 9.6833% | 7,083 |
| Total risk-based capital ratio | 11.7239% | 6,694 |
| Memoranda: | ||
| Average total assets | $4,601,823,000 | 182 |
| Average earning assets | $4,098,306,800 | 180 |
| Average equity | $342,913,400 | 233 |
| Average total loans | $3,555,553,800 | 158 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3742% | 6,854 |
| Cost of funding earning assets | 0.6386% | 7,207 |
| Net interest margin | 3.7356% | 4,248 |
| Noninterest income to average assets | 1.9984% | 380 |
| Noninterest expense to average assets | 4.6144% | 528 |
| Loan and lease loss provision to assets | 2.9466% | 302 |
| Net operating income to assets | -2.2429% | 7,290 |
| Return on assets (ROA) | -2.1672% | 7,291 |
| Pretax return on assets | -2.1635% | 7,236 |
| Return on Equity (ROE) | -28.1387% | 7,357 |
| Retained earnings to average equity (ytd only) | -28.1387% | 7,348 |
| Net charge-offs to loans | 5.0365% | 171 |
| Credit loss provision to net charge-offs | 74.4035% | 5,303 |
| Earnings coverage of net charge-offs (x) | 0.1786% | 5,835 |
| Efficiency ratio | 86.2001% | 1,612 |
| Assets per employee ($millions) | 3.3054% | 5,445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5887% | 1,221 |
| Loan loss allowance to noncurrent loans | 27.5115% | 6,483 |
| Noncurrent assets plus other real estate owned to assets | 8.4468% | 571 |
| Noncurrent loans to loans | 9.4094% | 485 |
| Net loans and leases to total assets | 74.0553% | 1,792 |
| Net loans and leases to deposits | 86.0883% | 2,321 |
| Net loans and leases to core deposits | 88.1624% | 3,348 |
| Total domestic deposits to total assets | 86.0224% | 3,059 |
| Equity capital to assets | 7.3838% | 7,189 |
| Core capital (leverage) ratio | 7.1739% | 7,071 |
| Tier 1 risk-based capital ratio | 10.5877% | 6,721 |
| Total risk-based capital ratio | 12.5863% | 6,065 |
| Memoranda: | ||
| Average total assets | $4,634,985,750 | 176 |
| Average earning assets | $4,123,488,000 | 178 |
| Average equity | $356,979,500 | 223 |
| Average total loans | $3,644,560,500 | 148 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3684% | 6,955 |
| Cost of funding earning assets | 0.6974% | 7,199 |
| Net interest margin | 3.6711% | 4,496 |
| Noninterest income to average assets | 2.0477% | 345 |
| Noninterest expense to average assets | 4.5271% | 554 |
| Loan and lease loss provision to assets | 3.3527% | 271 |
| Net operating income to assets | -2.5731% | 7,436 |
| Return on assets (ROA) | -2.4524% | 7,417 |
| Pretax return on assets | -2.4485% | 7,354 |
| Return on Equity (ROE) | -31.4273% | 7,449 |
| Retained earnings to average equity (ytd only) | -31.4273% | 7,438 |
| Net charge-offs to loans | 5.7543% | 150 |
| Credit loss provision to net charge-offs | 73.3225% | 4,881 |
| Earnings coverage of net charge-offs (x) | 0.1713% | 5,550 |
| Efficiency ratio | 84.7392% | 1,842 |
| Assets per employee ($millions) | 3.0907% | 5,942 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6396% | 1,148 |
| Loan loss allowance to noncurrent loans | 33.1074% | 6,160 |
| Noncurrent assets plus other real estate owned to assets | 7.2051% | 721 |
| Noncurrent loans to loans | 7.9729% | 653 |
| Net loans and leases to total assets | 75.9369% | 1,499 |
| Net loans and leases to deposits | 87.4045% | 2,277 |
| Net loans and leases to core deposits | 89.4921% | 3,343 |
| Total domestic deposits to total assets | 86.8798% | 2,598 |
| Equity capital to assets | 7.5905% | 7,061 |
| Core capital (leverage) ratio | 7.3633% | 6,944 |
| Tier 1 risk-based capital ratio | 10.8740% | 6,381 |
| Total risk-based capital ratio | 12.8550% | 5,630 |
| Memoranda: | ||
| Average total assets | $4,684,822,330 | 175 |
| Average earning assets | $4,163,978,330 | 173 |
| Average equity | $365,573,330 | 219 |
| Average total loans | $3,722,745,670 | 145 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5140% | 6,762 |
| Cost of funding earning assets | 0.7896% | 7,118 |
| Net interest margin | 3.7244% | 4,126 |
| Noninterest income to average assets | 2.1349% | 313 |
| Noninterest expense to average assets | 4.3713% | 661 |
| Loan and lease loss provision to assets | 2.7759% | 371 |
| Net operating income to assets | -1.7211% | 7,391 |
| Return on assets (ROA) | -1.4687% | 7,331 |
| Pretax return on assets | -1.4611% | 7,246 |
| Return on Equity (ROE) | -18.5745% | 7,408 |
| Retained earnings to average equity (ytd only) | -18.5745% | 7,330 |
| Net charge-offs to loans | 4.7041% | 266 |
| Credit loss provision to net charge-offs | 73.5973% | 4,020 |
| Earnings coverage of net charge-offs (x) | 0.2817% | 4,792 |
| Efficiency ratio | 79.9454% | 2,572 |
| Assets per employee ($millions) | 3.0842% | 6,033 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0353% | 796 |
| Loan loss allowance to noncurrent loans | 46.3448% | 5,257 |
| Noncurrent assets plus other real estate owned to assets | 6.0149% | 996 |
| Noncurrent loans to loans | 6.5493% | 952 |
| Net loans and leases to total assets | 76.1571% | 1,506 |
| Net loans and leases to deposits | 87.9392% | 2,236 |
| Net loans and leases to core deposits | 90.2380% | 3,336 |
| Total domestic deposits to total assets | 86.6020% | 2,844 |
| Equity capital to assets | 7.8456% | 6,814 |
| Core capital (leverage) ratio | 7.5056% | 6,846 |
| Tier 1 risk-based capital ratio | 10.9005% | 6,251 |
| Total risk-based capital ratio | 12.8643% | 5,528 |
| Memoranda: | ||
| Average total assets | $4,721,593,500 | 177 |
| Average earning assets | $4,182,188,500 | 177 |
| Average equity | $373,350,500 | 223 |
| Average total loans | $3,785,818,500 | 147 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7737% | 6,998 |
| Cost of funding earning assets | 1.2782% | 6,384 |
| Net interest margin | 3.4955% | 4,972 |
| Noninterest income to average assets | 2.1917% | 331 |
| Noninterest expense to average assets | 4.8346% | 590 |
| Loan and lease loss provision to assets | 4.1803% | 299 |
| Net operating income to assets | -3.0371% | 7,401 |
| Return on assets (ROA) | -2.8564% | 7,369 |
| Pretax return on assets | -3.4657% | 7,412 |
| Return on Equity (ROE) | -37.0780% | 7,526 |
| Retained earnings to average equity (ytd only) | -37.0780% | 7,513 |
| Net charge-offs to loans | 4.6253% | 306 |
| Credit loss provision to net charge-offs | 110.8964% | 4,958 |
| Earnings coverage of net charge-offs (x) | 0.1311% | 6,029 |
| Efficiency ratio | 86.9665% | 1,996 |
| Assets per employee ($millions) | 3.1039% | 5,981 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1755% | 666 |
| Loan loss allowance to noncurrent loans | 50.5904% | 4,994 |
| Noncurrent assets plus other real estate owned to assets | 5.8900% | 962 |
| Noncurrent loans to loans | 6.2768% | 978 |
| Net loans and leases to total assets | 79.2002% | 1,148 |
| Net loans and leases to deposits | 94.6054% | 1,512 |
| Net loans and leases to core deposits | 104.9282% | 3,457 |
| Total domestic deposits to total assets | 83.7163% | 4,169 |
| Equity capital to assets | 7.9681% | 6,616 |
| Core capital (leverage) ratio | 7.5761% | 6,713 |
| Tier 1 risk-based capital ratio | 10.6299% | 6,268 |
| Total risk-based capital ratio | 12.5636% | 5,544 |
| Memoranda: | ||
| Average total assets | $5,206,107,400 | 166 |
| Average earning assets | $4,672,443,200 | 161 |
| Average equity | $401,062,200 | 212 |
| Average total loans | $4,242,915,400 | 139 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8199% | 7,082 |
| Cost of funding earning assets | 1.3851% | 6,289 |
| Net interest margin | 3.4348% | 5,133 |
| Noninterest income to average assets | 2.2003% | 320 |
| Noninterest expense to average assets | 4.7166% | 605 |
| Loan and lease loss provision to assets | 3.3697% | 405 |
| Net operating income to assets | -2.7944% | 7,539 |
| Return on assets (ROA) | -2.5085% | 7,468 |
| Pretax return on assets | -2.5085% | 7,348 |
| Return on Equity (ROE) | -32.8135% | 7,658 |
| Retained earnings to average equity (ytd only) | -32.8135% | 7,649 |
| Net charge-offs to loans | 3.8103% | 378 |
| Credit loss provision to net charge-offs | 108.6009% | 4,682 |
| Earnings coverage of net charge-offs (x) | 0.1854% | 5,839 |
| Efficiency ratio | 84.3421% | 2,258 |
| Assets per employee ($millions) | 3.1830% | 5,690 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7831% | 804 |
| Loan loss allowance to noncurrent loans | 46.4835% | 5,218 |
| Noncurrent assets plus other real estate owned to assets | 5.5996% | 1,009 |
| Noncurrent loans to loans | 5.9872% | 988 |
| Net loans and leases to total assets | 80.6816% | 1,046 |
| Net loans and leases to deposits | 98.9510% | 1,215 |
| Net loans and leases to core deposits | 110.8029% | 3,146 |
| Total domestic deposits to total assets | 81.5369% | 4,862 |
| Equity capital to assets | 8.6682% | 6,009 |
| Core capital (leverage) ratio | 8.3107% | 5,815 |
| Tier 1 risk-based capital ratio | 11.5993% | 5,343 |
| Total risk-based capital ratio | 13.5080% | 4,680 |
| Memoranda: | ||
| Average total assets | $5,318,837,750 | 172 |
| Average earning assets | $4,787,486,000 | 168 |
| Average equity | $406,602,750 | 214 |
| Average total loans | $4,331,236,250 | 146 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8567% | 7,123 |
| Cost of funding earning assets | 1.5275% | 6,030 |
| Net interest margin | 3.3292% | 5,444 |
| Noninterest income to average assets | 2.1039% | 339 |
| Noninterest expense to average assets | 4.6930% | 650 |
| Loan and lease loss provision to assets | 3.0151% | 501 |
| Net operating income to assets | -2.6084% | 7,592 |
| Return on assets (ROA) | -2.3706% | 7,525 |
| Pretax return on assets | -2.3706% | 7,386 |
| Return on Equity (ROE) | -32.2982% | 7,746 |
| Retained earnings to average equity (ytd only) | -32.2982% | 7,721 |
| Net charge-offs to loans | 2.8706% | 573 |
| Credit loss provision to net charge-offs | 129.7224% | 3,583 |
| Earnings coverage of net charge-offs (x) | 0.1750% | 5,495 |
| Efficiency ratio | 85.0046% | 2,358 |
| Assets per employee ($millions) | 3.3396% | 5,214 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8297% | 661 |
| Loan loss allowance to noncurrent loans | 44.5065% | 5,399 |
| Noncurrent assets plus other real estate owned to assets | 5.8208% | 841 |
| Noncurrent loans to loans | 6.3579% | 841 |
| Net loans and leases to total assets | 80.0646% | 1,304 |
| Net loans and leases to deposits | 101.9232% | 1,078 |
| Net loans and leases to core deposits | 113.8202% | 2,925 |
| Total domestic deposits to total assets | 78.5538% | 5,938 |
| Equity capital to assets | 7.3870% | 7,357 |
| Core capital (leverage) ratio | 7.0102% | 7,533 |
| Tier 1 risk-based capital ratio | 9.9253% | 7,014 |
| Total risk-based capital ratio | 11.8059% | 6,276 |
| Memoranda: | ||
| Average total assets | $5,464,222,000 | 176 |
| Average earning assets | $4,916,941,000 | 170 |
| Average equity | $401,056,330 | 219 |
| Average total loans | $4,424,247,670 | 148 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9125% | 7,143 |
| Cost of funding earning assets | 1.6247% | 5,925 |
| Net interest margin | 3.2878% | 5,533 |
| Noninterest income to average assets | 2.0178% | 361 |
| Noninterest expense to average assets | 5.0014% | 488 |
| Loan and lease loss provision to assets | 3.2140% | 338 |
| Net operating income to assets | -3.2149% | 7,875 |
| Return on assets (ROA) | -2.8985% | 7,833 |
| Pretax return on assets | -2.8985% | 7,733 |
| Return on Equity (ROE) | -39.6086% | 7,982 |
| Retained earnings to average equity (ytd only) | -39.6086% | 7,960 |
| Net charge-offs to loans | 2.4177% | 594 |
| Credit loss provision to net charge-offs | 165.5339% | 2,584 |
| Earnings coverage of net charge-offs (x) | -0.0005% | 4,978 |
| Efficiency ratio | 86.5091% | 2,014 |
| Assets per employee ($millions) | 3.3389% | 5,225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7052% | 622 |
| Loan loss allowance to noncurrent loans | 46.8433% | 5,391 |
| Noncurrent assets plus other real estate owned to assets | 5.0613% | 890 |
| Noncurrent loans to loans | 5.7750% | 851 |
| Net loans and leases to total assets | 78.5908% | 1,670 |
| Net loans and leases to deposits | 106.1670% | 850 |
| Net loans and leases to core deposits | 118.5953% | 2,542 |
| Total domestic deposits to total assets | 74.0256% | 6,888 |
| Equity capital to assets | 7.3798% | 7,435 |
| Core capital (leverage) ratio | 6.9642% | 7,654 |
| Tier 1 risk-based capital ratio | 10.0070% | 6,913 |
| Total risk-based capital ratio | 11.8612% | 6,201 |
| Memoranda: | ||
| Average total assets | $5,601,444,000 | 171 |
| Average earning assets | $5,081,712,000 | 169 |
| Average equity | $409,900,500 | 215 |
| Average total loans | $4,498,283,500 | 144 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7428% | 6,626 |
| Cost of funding earning assets | 2.1931% | 5,628 |
| Net interest margin | 3.5497% | 5,098 |
| Noninterest income to average assets | 2.1674% | 303 |
| Noninterest expense to average assets | 5.2425% | 563 |
| Loan and lease loss provision to assets | 2.3334% | 470 |
| Net operating income to assets | -2.7499% | 7,767 |
| Return on assets (ROA) | -2.7174% | 7,738 |
| Pretax return on assets | -2.2088% | 7,507 |
| Return on Equity (ROE) | -32.0684% | 7,992 |
| Retained earnings to average equity (ytd only) | -34.9636% | 7,988 |
| Net charge-offs to loans | 2.5509% | 370 |
| Credit loss provision to net charge-offs | 118.8482% | 4,535 |
| Earnings coverage of net charge-offs (x) | 0.0469% | 6,224 |
| Efficiency ratio | 83.0535% | 2,171 |
| Assets per employee ($millions) | 3.1533% | 5,615 |
| Cash dividends to net income (ytd only)* | -9.0283% | 7,830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2383% | 914 |
| Loan loss allowance to noncurrent loans | 51.9431% | 5,401 |
| Noncurrent assets plus other real estate owned to assets | 3.7725% | 1,138 |
| Noncurrent loans to loans | 4.3092% | 1,115 |
| Net loans and leases to total assets | 78.0667% | 2,121 |
| Net loans and leases to deposits | 113.3946% | 646 |
| Net loans and leases to core deposits | 128.9394% | 1,934 |
| Total domestic deposits to total assets | 68.8452% | 7,400 |
| Equity capital to assets | 7.2581% | 7,584 |
| Core capital (leverage) ratio | 6.7999% | 7,819 |
| Tier 1 risk-based capital ratio | 9.7985% | 6,961 |
| Total risk-based capital ratio | 11.6250% | 6,215 |
| Memoranda: | ||
| Average total assets | $6,114,135,800 | 162 |
| Average earning assets | $5,455,235,000 | 163 |
| Average equity | $518,096,200 | 183 |
| Average total loans | $4,705,957,200 | 143 |