Home > Colonial Co-operative Bank > Performance and Condition Ratios
Colonial Co-operative 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 | 4.2334% | 2,774 |
Cost of funding earning assets | 0.4632% | 3,099 |
Net interest margin | 3.7702% | 2,542 |
Noninterest income to average assets | 0.7143% | 1,767 |
Noninterest expense to average assets | 10.7024% | 64 |
Loan and lease loss provision to assets | 3.4020% | 17 |
Net operating income to assets | -7.8331% | 5,600 |
Return on assets (ROA) | -7.8331% | 5,599 |
Pretax return on assets | -9.8428% | 5,600 |
Return on Equity (ROE) | -111.8168% | 5,602 |
Retained earnings to average equity (ytd only) | -111.8168% | 5,601 |
Net charge-offs to loans | 4.9435% | 17 |
Credit loss provision to net charge-offs | 80.8633% | 1,743 |
Earnings coverage of net charge-offs (x) | -1.5309% | 2,676 |
Efficiency ratio | 251.1364% | 9 |
Assets per employee ($millions) | 2.9711% | 5,169 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.3875% | 5,438 |
Loan loss allowance to noncurrent loans | 15.4565% | 4,961 |
Noncurrent assets plus other real estate owned to assets | 2.3116% | 434 |
Noncurrent loans to loans | 2.5067% | 545 |
Net loans and leases to total assets | 84.5651% | 380 |
Net loans and leases to deposits | 91.0373% | 1,554 |
Net loans and leases to core deposits | 91.0373% | 2,371 |
Total domestic deposits to total assets | 92.8907% | 47 |
Equity capital to assets | 6.0919% | 5,567 |
Core capital (leverage) ratio | 4.8469% | 5,593 |
Tier 1 risk-based capital ratio | 9.2905% | 5,571 |
Total risk-based capital ratio | 9.9428% | 5,583 |
Memoranda: | ||
Average total assets | $66,078,500 | 4,811 |
Average earning assets | $62,172,500 | 4,788 |
Average equity | $4,629,000 | 5,271 |
Average total loans | $56,235,500 | 4,301 |
2017-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2632% | 2,455 |
Cost of funding earning assets | 0.5117% | 2,238 |
Net interest margin | 3.7515% | 2,601 |
Noninterest income to average assets | 1.1843% | 739 |
Noninterest expense to average assets | 4.2410% | 398 |
Loan and lease loss provision to assets | 0.0102% | 4,073 |
Net operating income to assets | -0.4392% | 5,516 |
Return on assets (ROA) | -0.4392% | 5,516 |
Pretax return on assets | 0.4319% | 5,041 |
Return on Equity (ROE) | -5.4222% | 5,544 |
Retained earnings to average equity (ytd only) | -5.4222% | 5,447 |
Net charge-offs to loans | 0.2342% | 1,106 |
Credit loss provision to net charge-offs | 5.1095% | 3,687 |
Earnings coverage of net charge-offs (x) | 2.2044% | 3,784 |
Efficiency ratio | 90.5595% | 403 |
Assets per employee ($millions) | 3.0360% | 5,170 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.6107% | 5,225 |
Loan loss allowance to noncurrent loans | 15.7609% | 5,007 |
Noncurrent assets plus other real estate owned to assets | 3.5304% | 188 |
Noncurrent loans to loans | 3.8750% | 251 |
Net loans and leases to total assets | 84.7886% | 366 |
Net loans and leases to deposits | 92.6935% | 1,424 |
Net loans and leases to core deposits | 92.6935% | 2,306 |
Total domestic deposits to total assets | 91.4720% | 144 |
Equity capital to assets | 7.8991% | 5,424 |
Core capital (leverage) ratio | 6.6583% | 5,615 |
Tier 1 risk-based capital ratio | 12.7351% | 4,074 |
Total risk-based capital ratio | 13.7337% | 4,114 |
Memoranda: | ||
Average total assets | $68,309,000 | 4,808 |
Average earning assets | $63,708,200 | 4,791 |
Average equity | $5,532,800 | 5,177 |
Average total loans | $58,501,400 | 4,238 |
2017-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2914% | 2,289 |
Cost of funding earning assets | 0.5213% | 2,100 |
Net interest margin | 3.7701% | 2,505 |
Noninterest income to average assets | 0.7551% | 1,757 |
Noninterest expense to average assets | 4.1112% | 455 |
Loan and lease loss provision to assets | 0.0058% | 4,007 |
Net operating income to assets | 0.0582% | 5,477 |
Return on assets (ROA) | 0.0582% | 5,482 |
Pretax return on assets | 0.1475% | 5,423 |
Return on Equity (ROE) | 0.7147% | 5,463 |
Retained earnings to average equity (ytd only) | 0.7147% | 5,061 |
Net charge-offs to loans | 0.3193% | 657 |
Credit loss provision to net charge-offs | 2.1277% | 3,260 |
Earnings coverage of net charge-offs (x) | 0.5603% | 3,656 |
Efficiency ratio | 96.4042% | 241 |
Assets per employee ($millions) | 2.7568% | 5,408 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.5957% | 5,332 |
Loan loss allowance to noncurrent loans | 20.2261% | 5,065 |
Noncurrent assets plus other real estate owned to assets | 3.0213% | 295 |
Noncurrent loans to loans | 2.9450% | 447 |
Net loans and leases to total assets | 85.7579% | 272 |
Net loans and leases to deposits | 94.4329% | 1,250 |
Net loans and leases to core deposits | 94.4329% | 2,229 |
Total domestic deposits to total assets | 90.8136% | 230 |
Equity capital to assets | 8.4715% | 5,300 |
Core capital (leverage) ratio | 6.8685% | 5,676 |
Tier 1 risk-based capital ratio | 12.9426% | 4,048 |
Total risk-based capital ratio | 13.8986% | 4,128 |
Memoranda: | ||
Average total assets | $68,688,250 | 4,849 |
Average earning assets | $63,940,250 | 4,836 |
Average equity | $5,597,000 | 5,224 |
Average total loans | $58,881,750 | 4,271 |
2017-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2857% | 2,179 |
Cost of funding earning assets | 0.5272% | 1,939 |
Net interest margin | 3.7585% | 2,445 |
Noninterest income to average assets | 0.7594% | 1,728 |
Noninterest expense to average assets | 4.0702% | 488 |
Loan and lease loss provision to assets | 0.0058% | 3,802 |
Net operating income to assets | 0.0834% | 5,507 |
Return on assets (ROA) | 0.0834% | 5,512 |
Pretax return on assets | 0.1898% | 5,436 |
Return on Equity (ROE) | 1.0368% | 5,469 |
Retained earnings to average equity (ytd only) | 1.0368% | 4,828 |
Net charge-offs to loans | 0.4606% | 433 |
Credit loss provision to net charge-offs | 1.4599% | 2,897 |
Earnings coverage of net charge-offs (x) | 0.4964% | 3,371 |
Efficiency ratio | 95.4147% | 272 |
Assets per employee ($millions) | 3.1376% | 5,159 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.5844% | 5,403 |
Loan loss allowance to noncurrent loans | 20.4045% | 5,107 |
Noncurrent assets plus other real estate owned to assets | 2.8960% | 330 |
Noncurrent loans to loans | 2.8639% | 467 |
Net loans and leases to total assets | 84.5365% | 394 |
Net loans and leases to deposits | 92.6268% | 1,412 |
Net loans and leases to core deposits | 94.1208% | 2,147 |
Total domestic deposits to total assets | 91.2657% | 161 |
Equity capital to assets | 8.1186% | 5,479 |
Core capital (leverage) ratio | 6.7854% | 5,726 |
Tier 1 risk-based capital ratio | 12.7331% | 4,162 |
Total risk-based capital ratio | 13.6819% | 4,230 |
Memoranda: | ||
Average total assets | $69,530,000 | 4,871 |
Average earning assets | $64,866,330 | 4,851 |
Average equity | $5,594,330 | 5,253 |
Average total loans | $59,482,330 | 4,275 |
2017-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2806% | 2,007 |
Cost of funding earning assets | 0.5397% | 1,788 |
Net interest margin | 3.7409% | 2,348 |
Noninterest income to average assets | 0.7452% | 1,763 |
Noninterest expense to average assets | 3.9552% | 566 |
Loan and lease loss provision to assets | 0.0000% | 3,537 |
Net operating income to assets | 0.1548% | 5,454 |
Return on assets (ROA) | 0.1548% | 5,464 |
Pretax return on assets | 0.2866% | 5,330 |
Return on Equity (ROE) | 1.9322% | 5,347 |
Retained earnings to average equity (ytd only) | 1.9322% | 4,354 |
Net charge-offs to loans | 0.3875% | 474 |
Credit loss provision to net charge-offs | 0.0000% | 2,277 |
Earnings coverage of net charge-offs (x) | 0.8621% | 2,788 |
Efficiency ratio | 93.2432% | 408 |
Assets per employee ($millions) | 3.0453% | 5,313 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.7023% | 5,302 |
Loan loss allowance to noncurrent loans | 20.3992% | 5,184 |
Noncurrent assets plus other real estate owned to assets | 3.1325% | 304 |
Noncurrent loans to loans | 3.4428% | 361 |
Net loans and leases to total assets | 84.5819% | 319 |
Net loans and leases to deposits | 92.6844% | 1,253 |
Net loans and leases to core deposits | 94.1575% | 1,977 |
Total domestic deposits to total assets | 91.2580% | 223 |
Equity capital to assets | 7.9996% | 5,518 |
Core capital (leverage) ratio | 6.6508% | 5,784 |
Tier 1 risk-based capital ratio | 12.2505% | 4,544 |
Total risk-based capital ratio | 13.3625% | 4,542 |
Memoranda: | ||
Average total assets | $69,781,500 | 4,921 |
Average earning assets | $65,224,500 | 4,899 |
Average equity | $5,589,500 | 5,305 |
Average total loans | $59,875,500 | 4,306 |
2016-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4330% | 1,737 |
Cost of funding earning assets | 0.5549% | 1,644 |
Net interest margin | 3.8781% | 2,036 |
Noninterest income to average assets | 0.8072% | 1,727 |
Noninterest expense to average assets | 4.1243% | 519 |
Loan and lease loss provision to assets | 0.0042% | 4,272 |
Net operating income to assets | 0.1572% | 5,484 |
Return on assets (ROA) | 0.1572% | 5,524 |
Pretax return on assets | 0.2794% | 5,390 |
Return on Equity (ROE) | 2.0272% | 5,400 |
Retained earnings to average equity (ytd only) | 2.0272% | 4,384 |
Net charge-offs to loans | -0.0116% | 4,972 |
Credit loss provision to net charge-offs | -42.8571% | 4,808 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 93.5669% | 398 |
Assets per employee ($millions) | 3.0227% | 5,334 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.7955% | 5,119 |
Loan loss allowance to noncurrent loans | 22.8818% | 5,201 |
Noncurrent assets plus other real estate owned to assets | 3.2062% | 288 |
Noncurrent loans to loans | 3.4765% | 347 |
Net loans and leases to total assets | 85.7455% | 248 |
Net loans and leases to deposits | 93.9615% | 1,195 |
Net loans and leases to core deposits | 95.4663% | 1,969 |
Total domestic deposits to total assets | 91.2560% | 215 |
Equity capital to assets | 8.0205% | 5,556 |
Core capital (leverage) ratio | 6.6841% | 5,830 |
Tier 1 risk-based capital ratio | 11.8264% | 4,838 |
Total risk-based capital ratio | 13.0618% | 4,750 |
Memoranda: | ||
Average total assets | $71,235,800 | 4,905 |
Average earning assets | $66,140,200 | 4,889 |
Average equity | $5,524,800 | 5,361 |
Average total loans | $60,580,800 | 4,280 |
2016-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4446% | 1,716 |
Cost of funding earning assets | 0.5478% | 1,721 |
Net interest margin | 3.8968% | 1,988 |
Noninterest income to average assets | 0.8019% | 1,757 |
Noninterest expense to average assets | 4.0986% | 530 |
Loan and lease loss provision to assets | 0.0000% | 4,186 |
Net operating income to assets | 0.1786% | 5,502 |
Return on assets (ROA) | 0.1786% | 5,563 |
Pretax return on assets | 0.3163% | 5,439 |
Return on Equity (ROE) | 2.3222% | 5,406 |
Retained earnings to average equity (ytd only) | 2.3222% | 4,534 |
Net charge-offs to loans | -0.0132% | 4,872 |
Credit loss provision to net charge-offs | 0.0000% | 3,412 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 92.8361% | 436 |
Assets per employee ($millions) | 2.9099% | 5,459 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.7786% | 5,251 |
Loan loss allowance to noncurrent loans | 26.9318% | 5,234 |
Noncurrent assets plus other real estate owned to assets | 2.8661% | 421 |
Noncurrent loans to loans | 2.8911% | 541 |
Net loans and leases to total assets | 83.0302% | 507 |
Net loans and leases to deposits | 90.6039% | 1,680 |
Net loans and leases to core deposits | 91.9837% | 2,380 |
Total domestic deposits to total assets | 91.6409% | 105 |
Equity capital to assets | 7.6429% | 5,821 |
Core capital (leverage) ratio | 6.4604% | 5,908 |
Tier 1 risk-based capital ratio | 11.7272% | 4,968 |
Total risk-based capital ratio | 12.9302% | 4,893 |
Memoranda: | ||
Average total assets | $71,664,250 | 4,939 |
Average earning assets | $66,445,500 | 4,921 |
Average equity | $5,512,000 | 5,423 |
Average total loans | $60,703,500 | 4,304 |
2016-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4645% | 1,627 |
Cost of funding earning assets | 0.5452% | 1,735 |
Net interest margin | 3.9193% | 1,916 |
Noninterest income to average assets | 0.8078% | 1,681 |
Noninterest expense to average assets | 4.1176% | 526 |
Loan and lease loss provision to assets | 0.0000% | 4,017 |
Net operating income to assets | 0.1767% | 5,566 |
Return on assets (ROA) | 0.1767% | 5,620 |
Pretax return on assets | 0.3198% | 5,471 |
Return on Equity (ROE) | 2.2926% | 5,438 |
Retained earnings to average equity (ytd only) | 2.2926% | 4,419 |
Net charge-offs to loans | 0.0000% | 3,689 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 92.7939% | 460 |
Assets per employee ($millions) | 2.8774% | 5,547 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.7598% | 5,377 |
Loan loss allowance to noncurrent loans | 24.4642% | 5,366 |
Noncurrent assets plus other real estate owned to assets | 3.1111% | 383 |
Noncurrent loans to loans | 3.1059% | 467 |
Net loans and leases to total assets | 84.9712% | 333 |
Net loans and leases to deposits | 92.7583% | 1,423 |
Net loans and leases to core deposits | 94.1876% | 2,147 |
Total domestic deposits to total assets | 91.6049% | 115 |
Equity capital to assets | 7.6833% | 5,880 |
Core capital (leverage) ratio | 6.3420% | 5,985 |
Tier 1 risk-based capital ratio | 11.3983% | 5,216 |
Total risk-based capital ratio | 12.5785% | 5,164 |
Memoranda: | ||
Average total assets | $71,303,330 | 5,002 |
Average earning assets | $66,032,000 | 4,976 |
Average equity | $5,496,000 | 5,472 |
Average total loans | $60,646,000 | 4,320 |
2016-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3471% | 1,973 |
Cost of funding earning assets | 0.5540% | 1,668 |
Net interest margin | 3.7931% | 2,313 |
Noninterest income to average assets | 0.7720% | 1,723 |
Noninterest expense to average assets | 3.9387% | 655 |
Loan and lease loss provision to assets | 0.0000% | 3,656 |
Net operating income to assets | 0.1859% | 5,555 |
Return on assets (ROA) | 0.1859% | 5,610 |
Pretax return on assets | 0.3437% | 5,417 |
Return on Equity (ROE) | 2.4085% | 5,399 |
Retained earnings to average equity (ytd only) | 2.4085% | 4,291 |
Net charge-offs to loans | -0.0399% | 5,211 |
Credit loss provision to net charge-offs | 0.0000% | 2,416 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 91.9737% | 551 |
Assets per employee ($millions) | 2.9794% | 5,528 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.7817% | 5,417 |
Loan loss allowance to noncurrent loans | 42.0213% | 5,030 |
Noncurrent assets plus other real estate owned to assets | 2.1719% | 769 |
Noncurrent loans to loans | 1.8602% | 1,192 |
Net loans and leases to total assets | 84.1410% | 360 |
Net loans and leases to deposits | 91.9954% | 1,344 |
Net loans and leases to core deposits | 93.4239% | 2,057 |
Total domestic deposits to total assets | 91.4621% | 167 |
Equity capital to assets | 7.6876% | 5,910 |
Core capital (leverage) ratio | 6.3173% | 6,047 |
Tier 1 risk-based capital ratio | 11.5907% | 5,177 |
Total risk-based capital ratio | 12.8248% | 5,092 |
Memoranda: | ||
Average total assets | $70,987,500 | 5,046 |
Average earning assets | $65,699,000 | 5,030 |
Average equity | $5,480,500 | 5,512 |
Average total loans | $60,173,000 | 4,363 |
2015-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4162% | 1,848 |
Cost of funding earning assets | 0.5583% | 1,691 |
Net interest margin | 3.8579% | 2,171 |
Noninterest income to average assets | 0.7704% | 1,898 |
Noninterest expense to average assets | 4.2773% | 505 |
Loan and lease loss provision to assets | 0.0000% | 4,380 |
Net operating income to assets | 0.0422% | 5,823 |
Return on assets (ROA) | 0.0422% | 5,859 |
Pretax return on assets | 0.0655% | 5,832 |
Return on Equity (ROE) | 0.5337% | 5,835 |
Retained earnings to average equity (ytd only) | 0.5337% | 5,309 |
Net charge-offs to loans | 0.0069% | 4,204 |
Credit loss provision to net charge-offs | 0.0000% | 3,899 |
Earnings coverage of net charge-offs (x) | 11.2500% | 2,604 |
Efficiency ratio | 98.4909% | 323 |
Assets per employee ($millions) | 2.9363% | 5,578 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.7838% | 5,451 |
Loan loss allowance to noncurrent loans | 25.9424% | 5,398 |
Noncurrent assets plus other real estate owned to assets | 3.3333% | 365 |
Noncurrent loans to loans | 3.0214% | 526 |
Net loans and leases to total assets | 84.0627% | 384 |
Net loans and leases to deposits | 91.9061% | 1,415 |
Net loans and leases to core deposits | 93.9720% | 2,051 |
Total domestic deposits to total assets | 91.4659% | 183 |
Equity capital to assets | 7.7537% | 5,933 |
Core capital (leverage) ratio | 6.5306% | 6,091 |
Tier 1 risk-based capital ratio | 11.8040% | 5,066 |
Total risk-based capital ratio | 13.0550% | 4,985 |
Memoranda: | ||
Average total assets | $68,665,400 | 5,119 |
Average earning assets | $63,584,200 | 5,098 |
Average equity | $5,433,600 | 5,554 |
Average total loans | $58,027,200 | 4,424 |
2015-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4332% | 1,801 |
Cost of funding earning assets | 0.5542% | 1,769 |
Net interest margin | 3.8791% | 2,099 |
Noninterest income to average assets | 0.7349% | 2,086 |
Noninterest expense to average assets | 4.3978% | 439 |
Loan and lease loss provision to assets | 0.0000% | 4,232 |
Net operating income to assets | -0.0410% | 5,963 |
Return on assets (ROA) | -0.0410% | 5,993 |
Pretax return on assets | -0.0645% | 5,999 |
Return on Equity (ROE) | -0.5160% | 5,999 |
Retained earnings to average equity (ytd only) | -0.5160% | 5,694 |
Net charge-offs to loans | -0.0116% | 5,038 |
Credit loss provision to net charge-offs | 0.0000% | 3,517 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 101.4885% | 270 |
Assets per employee ($millions) | 2.7847% | 5,768 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8118% | 5,486 |
Loan loss allowance to noncurrent loans | 15.2202% | 5,624 |
Noncurrent assets plus other real estate owned to assets | 4.8464% | 211 |
Noncurrent loans to loans | 5.3339% | 180 |
Net loans and leases to total assets | 83.7125% | 402 |
Net loans and leases to deposits | 91.5243% | 1,464 |
Net loans and leases to core deposits | 93.6043% | 2,112 |
Total domestic deposits to total assets | 91.4649% | 165 |
Equity capital to assets | 7.7767% | 6,025 |
Core capital (leverage) ratio | 6.4126% | 6,176 |
Tier 1 risk-based capital ratio | 11.7909% | 5,209 |
Total risk-based capital ratio | 13.0614% | 5,114 |
Memoranda: | ||
Average total assets | $68,214,250 | 5,189 |
Average earning assets | $63,278,500 | 5,166 |
Average equity | $5,426,000 | 5,625 |
Average total loans | $57,607,250 | 4,482 |
2015-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4140% | 1,811 |
Cost of funding earning assets | 0.5609% | 1,725 |
Net interest margin | 3.8531% | 2,130 |
Noninterest income to average assets | 0.7085% | 2,178 |
Noninterest expense to average assets | 4.3368% | 480 |
Loan and lease loss provision to assets | 0.0000% | 4,069 |
Net operating income to assets | -0.0413% | 6,020 |
Return on assets (ROA) | -0.0413% | 6,051 |
Pretax return on assets | -0.0590% | 6,051 |
Return on Equity (ROE) | -0.5157% | 6,061 |
Retained earnings to average equity (ytd only) | -0.5157% | 5,610 |
Net charge-offs to loans | -0.0140% | 5,034 |
Credit loss provision to net charge-offs | 0.0000% | 3,158 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 101.3803% | 289 |
Assets per employee ($millions) | 2.7981% | 5,814 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8233% | 5,541 |
Loan loss allowance to noncurrent loans | 18.9264% | 5,688 |
Noncurrent assets plus other real estate owned to assets | 4.2618% | 294 |
Noncurrent loans to loans | 4.3499% | 326 |
Net loans and leases to total assets | 85.3860% | 271 |
Net loans and leases to deposits | 93.5630% | 1,196 |
Net loans and leases to core deposits | 95.7694% | 1,822 |
Total domestic deposits to total assets | 91.2605% | 240 |
Equity capital to assets | 8.0694% | 5,950 |
Core capital (leverage) ratio | 6.0539% | 6,268 |
Tier 1 risk-based capital ratio | 10.9053% | 5,764 |
Total risk-based capital ratio | 12.1857% | 5,659 |
Memoranda: | ||
Average total assets | $67,746,330 | 5,259 |
Average earning assets | $62,755,000 | 5,235 |
Average equity | $5,430,000 | 5,676 |
Average total loans | $57,224,330 | 4,533 |
2015-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5322% | 1,374 |
Cost of funding earning assets | 0.5673% | 1,686 |
Net interest margin | 3.9648% | 1,673 |
Noninterest income to average assets | 0.6878% | 2,216 |
Noninterest expense to average assets | 4.3209% | 485 |
Loan and lease loss provision to assets | 0.0000% | 3,703 |
Net operating income to assets | 0.0118% | 6,003 |
Return on assets (ROA) | 0.0118% | 6,041 |
Pretax return on assets | 0.0235% | 6,023 |
Return on Equity (ROE) | 0.1472% | 6,035 |
Retained earnings to average equity (ytd only) | 0.1472% | 5,323 |
Net charge-offs to loans | 0.0070% | 3,093 |
Credit loss provision to net charge-offs | 0.0000% | 2,491 |
Earnings coverage of net charge-offs (x) | 4.0000% | 2,543 |
Efficiency ratio | 99.4587% | 380 |
Assets per employee ($millions) | 2.8580% | 5,821 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8340% | 5,609 |
Loan loss allowance to noncurrent loans | 22.6008% | 5,685 |
Noncurrent assets plus other real estate owned to assets | 3.5441% | 463 |
Noncurrent loans to loans | 3.6902% | 497 |
Net loans and leases to total assets | 81.6454% | 497 |
Net loans and leases to deposits | 89.4459% | 1,444 |
Net loans and leases to core deposits | 91.5067% | 1,984 |
Total domestic deposits to total assets | 91.2790% | 279 |
Equity capital to assets | 7.9250% | 6,060 |
Core capital (leverage) ratio | 5.9522% | 6,331 |
Tier 1 risk-based capital ratio | 11.2440% | 5,691 |
Total risk-based capital ratio | 12.4937% | 5,606 |
Memoranda: | ||
Average total assets | $68,042,000 | 5,303 |
Average earning assets | $62,751,500 | 5,286 |
Average equity | $5,435,500 | 5,730 |
Average total loans | $56,928,000 | 4,580 |
2014-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3967% | 2,236 |
Cost of funding earning assets | 0.6198% | 1,608 |
Net interest margin | 3.7769% | 2,705 |
Noninterest income to average assets | 0.9276% | 1,421 |
Noninterest expense to average assets | 4.2567% | 573 |
Loan and lease loss provision to assets | 0.0291% | 4,023 |
Net operating income to assets | 0.0714% | 5,991 |
Return on assets (ROA) | 0.0714% | 6,019 |
Pretax return on assets | 0.1296% | 5,963 |
Return on Equity (ROE) | 0.9030% | 5,983 |
Retained earnings to average equity (ytd only) | 0.9030% | 5,377 |
Net charge-offs to loans | 0.4414% | 958 |
Credit loss provision to net charge-offs | 7.9051% | 4,129 |
Earnings coverage of net charge-offs (x) | 0.4308% | 4,643 |
Efficiency ratio | 96.4050% | 484 |
Assets per employee ($millions) | 2.8121% | 5,917 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8226% | 5,714 |
Loan loss allowance to noncurrent loans | 17.1824% | 5,868 |
Noncurrent assets plus other real estate owned to assets | 4.5843% | 331 |
Noncurrent loans to loans | 4.7872% | 321 |
Net loans and leases to total assets | 84.3224% | 323 |
Net loans and leases to deposits | 92.7659% | 1,207 |
Net loans and leases to core deposits | 94.9434% | 1,820 |
Total domestic deposits to total assets | 90.8980% | 404 |
Equity capital to assets | 8.0529% | 6,040 |
Core capital (leverage) ratio | 6.0024% | 6,408 |
Tier 1 risk-based capital ratio | 10.3876% | 6,144 |
Total risk-based capital ratio | 11.6155% | 6,105 |
Memoranda: | ||
Average total assets | $68,668,800 | 5,329 |
Average earning assets | $63,411,400 | 5,301 |
Average equity | $5,426,200 | 5,757 |
Average total loans | $57,315,600 | 4,575 |
2014-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3937% | 2,246 |
Cost of funding earning assets | 0.6214% | 1,664 |
Net interest margin | 3.7723% | 2,726 |
Noninterest income to average assets | 1.0015% | 1,224 |
Noninterest expense to average assets | 4.2592% | 579 |
Loan and lease loss provision to assets | 0.0329% | 3,748 |
Net operating income to assets | 0.1102% | 6,016 |
Return on assets (ROA) | 0.1102% | 6,043 |
Pretax return on assets | 0.1953% | 5,957 |
Return on Equity (ROE) | 1.4012% | 5,970 |
Retained earnings to average equity (ytd only) | 1.4012% | 5,339 |
Net charge-offs to loans | 0.1512% | 2,281 |
Credit loss provision to net charge-offs | 26.1538% | 3,505 |
Earnings coverage of net charge-offs (x) | 1.8155% | 4,072 |
Efficiency ratio | 94.9160% | 551 |
Assets per employee ($millions) | 2.8112% | 5,950 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1398% | 4,560 |
Loan loss allowance to noncurrent loans | 34.5809% | 5,602 |
Noncurrent assets plus other real estate owned to assets | 3.3467% | 649 |
Noncurrent loans to loans | 3.2959% | 758 |
Net loans and leases to total assets | 84.3350% | 317 |
Net loans and leases to deposits | 92.6695% | 1,166 |
Net loans and leases to core deposits | 95.6367% | 1,708 |
Total domestic deposits to total assets | 91.0062% | 359 |
Equity capital to assets | 8.0659% | 6,101 |
Core capital (leverage) ratio | 6.0011% | 6,483 |
Tier 1 risk-based capital ratio | 10.5363% | 6,199 |
Total risk-based capital ratio | 11.6704% | 6,186 |
Memoranda: | ||
Average total assets | $68,963,250 | 5,374 |
Average earning assets | $63,725,500 | 5,346 |
Average equity | $5,424,000 | 5,817 |
Average total loans | $57,299,000 | 4,616 |
2014-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3852% | 2,232 |
Cost of funding earning assets | 0.6233% | 1,703 |
Net interest margin | 3.7619% | 2,705 |
Noninterest income to average assets | 1.1172% | 952 |
Noninterest expense to average assets | 4.3017% | 550 |
Loan and lease loss provision to assets | 0.0489% | 3,325 |
Net operating income to assets | 0.1353% | 5,983 |
Return on assets (ROA) | 0.1353% | 6,020 |
Pretax return on assets | 0.2419% | 5,890 |
Return on Equity (ROE) | 1.7350% | 5,904 |
Retained earnings to average equity (ytd only) | 1.7350% | 5,035 |
Net charge-offs to loans | 0.2342% | 1,638 |
Credit loss provision to net charge-offs | 25.3731% | 3,113 |
Earnings coverage of net charge-offs (x) | 1.5075% | 3,790 |
Efficiency ratio | 93.6677% | 659 |
Assets per employee ($millions) | 3.0321% | 5,711 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1276% | 4,781 |
Loan loss allowance to noncurrent loans | 26.8223% | 5,856 |
Noncurrent assets plus other real estate owned to assets | 4.2229% | 482 |
Noncurrent loans to loans | 4.2041% | 554 |
Net loans and leases to total assets | 82.3513% | 437 |
Net loans and leases to deposits | 90.1628% | 1,357 |
Net loans and leases to core deposits | 93.4841% | 1,819 |
Total domestic deposits to total assets | 91.3363% | 299 |
Equity capital to assets | 7.7905% | 6,261 |
Core capital (leverage) ratio | 5.9018% | 6,546 |
Tier 1 risk-based capital ratio | 10.2862% | 6,311 |
Total risk-based capital ratio | 11.5317% | 6,269 |
Memoranda: | ||
Average total assets | $69,461,330 | 5,409 |
Average earning assets | $64,170,330 | 5,379 |
Average equity | $5,418,000 | 5,858 |
Average total loans | $57,213,330 | 4,650 |
2014-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4735% | 1,890 |
Cost of funding earning assets | 0.6382% | 1,663 |
Net interest margin | 3.8353% | 2,325 |
Noninterest income to average assets | 1.2637% | 693 |
Noninterest expense to average assets | 4.2353% | 582 |
Loan and lease loss provision to assets | 0.0404% | 3,273 |
Net operating income to assets | 0.2943% | 5,515 |
Return on assets (ROA) | 0.2943% | 5,556 |
Pretax return on assets | 0.5251% | 5,095 |
Return on Equity (ROE) | 3.7704% | 5,143 |
Retained earnings to average equity (ytd only) | 3.7704% | 3,866 |
Net charge-offs to loans | 0.4438% | 816 |
Credit loss provision to net charge-offs | 11.1111% | 2,595 |
Earnings coverage of net charge-offs (x) | 1.5556% | 3,071 |
Efficiency ratio | 88.2212% | 1,207 |
Assets per employee ($millions) | 3.1528% | 5,593 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1383% | 4,931 |
Loan loss allowance to noncurrent loans | 33.8197% | 5,745 |
Noncurrent assets plus other real estate owned to assets | 3.6000% | 716 |
Noncurrent loans to loans | 3.3658% | 896 |
Net loans and leases to total assets | 81.2635% | 425 |
Net loans and leases to deposits | 89.1275% | 1,237 |
Net loans and leases to core deposits | 92.4290% | 1,692 |
Total domestic deposits to total assets | 91.1767% | 499 |
Equity capital to assets | 7.8371% | 6,155 |
Core capital (leverage) ratio | 5.8527% | 6,604 |
Tier 1 risk-based capital ratio | 10.8148% | 6,235 |
Total risk-based capital ratio | 12.0712% | 6,184 |
Memoranda: | ||
Average total assets | $69,322,500 | 5,466 |
Average earning assets | $63,932,000 | 5,443 |
Average equity | $5,410,500 | 5,895 |
Average total loans | $56,777,000 | 4,697 |
2013-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5596% | 2,002 |
Cost of funding earning assets | 0.7339% | 1,604 |
Net interest margin | 3.8257% | 2,550 |
Noninterest income to average assets | 1.0915% | 1,181 |
Noninterest expense to average assets | 4.5025% | 529 |
Loan and lease loss provision to assets | 0.2526% | 1,428 |
Net operating income to assets | -0.0900% | 6,293 |
Return on assets (ROA) | -0.0900% | 6,312 |
Pretax return on assets | -0.1379% | 6,317 |
Return on Equity (ROE) | -1.1318% | 6,335 |
Retained earnings to average equity (ytd only) | -1.1318% | 6,082 |
Net charge-offs to loans | 0.7930% | 796 |
Credit loss provision to net charge-offs | 39.9083% | 4,051 |
Earnings coverage of net charge-offs (x) | 0.1812% | 5,022 |
Efficiency ratio | 97.5165% | 565 |
Assets per employee ($millions) | 3.0123% | 5,815 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2469% | 4,400 |
Loan loss allowance to noncurrent loans | 32.9902% | 5,859 |
Noncurrent assets plus other real estate owned to assets | 4.1713% | 622 |
Noncurrent loans to loans | 3.7797% | 785 |
Net loans and leases to total assets | 80.5883% | 535 |
Net loans and leases to deposits | 88.0121% | 1,463 |
Net loans and leases to core deposits | 91.1263% | 1,889 |
Total domestic deposits to total assets | 91.5650% | 384 |
Equity capital to assets | 7.7725% | 6,149 |
Core capital (leverage) ratio | 5.7027% | 6,672 |
Tier 1 risk-based capital ratio | 10.9376% | 6,197 |
Total risk-based capital ratio | 12.1970% | 6,147 |
Memoranda: | ||
Average total assets | $68,894,400 | 5,511 |
Average earning assets | $63,492,200 | 5,484 |
Average equity | $5,478,200 | 5,937 |
Average total loans | $54,984,400 | 4,779 |
2013-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6640% | 1,702 |
Cost of funding earning assets | 0.7556% | 1,565 |
Net interest margin | 3.9084% | 2,241 |
Noninterest income to average assets | 1.1008% | 1,206 |
Noninterest expense to average assets | 4.4574% | 545 |
Loan and lease loss provision to assets | -0.0368% | 6,529 |
Net operating income to assets | 0.1686% | 5,990 |
Return on assets (ROA) | 0.1686% | 6,062 |
Pretax return on assets | 0.2791% | 5,915 |
Return on Equity (ROE) | 2.1085% | 5,902 |
Retained earnings to average equity (ytd only) | 2.1085% | 5,057 |
Net charge-offs to loans | 0.3834% | 1,672 |
Credit loss provision to net charge-offs | -12.1019% | 5,613 |
Earnings coverage of net charge-offs (x) | 0.7962% | 4,587 |
Efficiency ratio | 94.8454% | 687 |
Assets per employee ($millions) | 2.9377% | 5,945 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4186% | 3,817 |
Loan loss allowance to noncurrent loans | 28.5560% | 6,034 |
Noncurrent assets plus other real estate owned to assets | 4.9374% | 568 |
Noncurrent loans to loans | 4.9676% | 604 |
Net loans and leases to total assets | 81.3575% | 419 |
Net loans and leases to deposits | 89.3531% | 1,239 |
Net loans and leases to core deposits | 92.6138% | 1,710 |
Total domestic deposits to total assets | 91.0517% | 510 |
Equity capital to assets | 8.1905% | 6,014 |
Core capital (leverage) ratio | 6.2289% | 6,693 |
Tier 1 risk-based capital ratio | 11.7207% | 5,939 |
Total risk-based capital ratio | 12.8815% | 5,956 |
Memoranda: | ||
Average total assets | $68,797,250 | 5,571 |
Average earning assets | $63,348,500 | 5,553 |
Average equity | $5,501,500 | 6,002 |
Average total loans | $54,595,750 | 4,834 |
2013-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8220% | 1,284 |
Cost of funding earning assets | 0.7979% | 1,425 |
Net interest margin | 4.0241% | 1,780 |
Noninterest income to average assets | 1.1675% | 1,115 |
Noninterest expense to average assets | 4.4128% | 569 |
Loan and lease loss provision to assets | 0.1040% | 3,058 |
Net operating income to assets | 0.1959% | 5,907 |
Return on assets (ROA) | 0.2052% | 6,006 |
Pretax return on assets | 0.3670% | 5,712 |
Return on Equity (ROE) | 2.5862% | 5,764 |
Retained earnings to average equity (ytd only) | 2.5862% | 4,657 |
Net charge-offs to loans | 0.3210% | 1,899 |
Credit loss provision to net charge-offs | 41.3793% | 3,386 |
Earnings coverage of net charge-offs (x) | 1.8161% | 3,923 |
Efficiency ratio | 90.6231% | 1,016 |
Assets per employee ($millions) | 3.0656% | 5,736 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6950% | 2,794 |
Loan loss allowance to noncurrent loans | 38.8136% | 5,679 |
Noncurrent assets plus other real estate owned to assets | 4.3029% | 776 |
Noncurrent loans to loans | 4.3671% | 822 |
Net loans and leases to total assets | 78.7702% | 661 |
Net loans and leases to deposits | 86.4496% | 1,525 |
Net loans and leases to core deposits | 89.1973% | 1,984 |
Total domestic deposits to total assets | 91.1169% | 507 |
Equity capital to assets | 8.1817% | 6,069 |
Core capital (leverage) ratio | 6.1502% | 6,739 |
Tier 1 risk-based capital ratio | 11.4459% | 6,139 |
Total risk-based capital ratio | 12.6966% | 6,102 |
Memoranda: | ||
Average total assets | $69,207,670 | 5,597 |
Average earning assets | $63,667,000 | 5,574 |
Average equity | $5,490,670 | 6,046 |
Average total loans | $54,207,330 | 4,874 |
2013-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8312% | 1,226 |
Cost of funding earning assets | 0.8507% | 1,251 |
Net interest margin | 3.9804% | 1,861 |
Noninterest income to average assets | 1.1870% | 1,065 |
Noninterest expense to average assets | 4.2346% | 680 |
Loan and lease loss provision to assets | 0.0000% | 4,409 |
Net operating income to assets | 0.3424% | 5,392 |
Return on assets (ROA) | 0.3424% | 5,535 |
Pretax return on assets | 0.6106% | 4,910 |
Return on Equity (ROE) | 4.3820% | 4,908 |
Retained earnings to average equity (ytd only) | 4.3820% | 3,607 |
Net charge-offs to loans | 0.7073% | 863 |
Credit loss provision to net charge-offs | 0.0000% | 3,239 |
Earnings coverage of net charge-offs (x) | 1.1146% | 3,465 |
Efficiency ratio | 87.3969% | 1,384 |
Assets per employee ($millions) | 3.1680% | 5,699 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6297% | 3,274 |
Loan loss allowance to noncurrent loans | 69.4577% | 4,356 |
Noncurrent assets plus other real estate owned to assets | 2.9773% | 1,507 |
Noncurrent loans to loans | 2.3464% | 2,222 |
Net loans and leases to total assets | 75.4330% | 909 |
Net loans and leases to deposits | 82.5477% | 1,759 |
Net loans and leases to core deposits | 86.3537% | 2,074 |
Total domestic deposits to total assets | 91.3810% | 387 |
Equity capital to assets | 7.9016% | 6,432 |
Core capital (leverage) ratio | 5.9256% | 6,812 |
Tier 1 risk-based capital ratio | 11.4480% | 6,210 |
Total risk-based capital ratio | 12.7101% | 6,181 |
Memoranda: | ||
Average total assets | $70,090,000 | 5,621 |
Average earning assets | $64,415,000 | 5,602 |
Average equity | $5,477,000 | 6,109 |
Average total loans | $54,290,500 | 4,908 |
2012-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6861% | 2,651 |
Cost of funding earning assets | 1.0100% | 1,304 |
Net interest margin | 3.6760% | 3,760 |
Noninterest income to average assets | 0.4871% | 3,983 |
Noninterest expense to average assets | 4.5028% | 578 |
Loan and lease loss provision to assets | 0.4057% | 1,596 |
Net operating income to assets | -0.6789% | 6,642 |
Return on assets (ROA) | -0.6789% | 6,676 |
Pretax return on assets | -1.0363% | 6,744 |
Return on Equity (ROE) | -8.5036% | 6,693 |
Retained earnings to average equity (ytd only) | -8.5036% | 6,591 |
Net charge-offs to loans | 0.5117% | 2,198 |
Credit loss provision to net charge-offs | 100.3413% | 3,019 |
Earnings coverage of net charge-offs (x) | -1.5597% | 5,811 |
Efficiency ratio | 116.2865% | 245 |
Assets per employee ($millions) | 3.2039% | 5,614 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7538% | 2,744 |
Loan loss allowance to noncurrent loans | 46.7602% | 5,287 |
Noncurrent assets plus other real estate owned to assets | 3.8462% | 1,141 |
Noncurrent loans to loans | 3.7507% | 1,295 |
Net loans and leases to total assets | 76.8532% | 809 |
Net loans and leases to deposits | 83.8675% | 1,769 |
Net loans and leases to core deposits | 87.3189% | 2,161 |
Total domestic deposits to total assets | 91.6365% | 312 |
Equity capital to assets | 7.7279% | 6,537 |
Core capital (leverage) ratio | 5.8780% | 6,868 |
Tier 1 risk-based capital ratio | 10.9625% | 6,364 |
Total risk-based capital ratio | 12.2280% | 6,315 |
Memoranda: | ||
Average total assets | $72,466,800 | 5,565 |
Average earning assets | $66,729,400 | 5,523 |
Average equity | $5,785,800 | 6,081 |
Average total loans | $57,261,400 | 4,823 |
2012-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7462% | 2,595 |
Cost of funding earning assets | 1.0219% | 1,439 |
Net interest margin | 3.7243% | 3,681 |
Noninterest income to average assets | 0.5263% | 3,761 |
Noninterest expense to average assets | 4.4296% | 583 |
Loan and lease loss provision to assets | 0.1791% | 3,346 |
Net operating income to assets | -0.3490% | 6,615 |
Return on assets (ROA) | -0.3490% | 6,665 |
Pretax return on assets | -0.6524% | 6,766 |
Return on Equity (ROE) | -4.3380% | 6,695 |
Retained earnings to average equity (ytd only) | -4.3380% | 6,579 |
Net charge-offs to loans | 0.6529% | 1,677 |
Credit loss provision to net charge-offs | 34.6290% | 4,720 |
Earnings coverage of net charge-offs (x) | -0.9152% | 5,565 |
Efficiency ratio | 111.9630% | 274 |
Assets per employee ($millions) | 3.1278% | 5,787 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3925% | 4,409 |
Loan loss allowance to noncurrent loans | 31.8645% | 6,044 |
Noncurrent assets plus other real estate owned to assets | 4.8889% | 918 |
Noncurrent loans to loans | 4.3699% | 1,103 |
Net loans and leases to total assets | 76.8804% | 858 |
Net loans and leases to deposits | 84.0545% | 1,866 |
Net loans and leases to core deposits | 87.4419% | 2,287 |
Total domestic deposits to total assets | 91.4650% | 296 |
Equity capital to assets | 7.9887% | 6,596 |
Core capital (leverage) ratio | 6.2662% | 6,918 |
Tier 1 risk-based capital ratio | 10.9715% | 6,488 |
Total risk-based capital ratio | 12.2425% | 6,464 |
Memoranda: | ||
Average total assets | $72,962,250 | 5,604 |
Average earning assets | $67,196,000 | 5,577 |
Average equity | $5,870,500 | 6,127 |
Average total loans | $57,792,500 | 4,845 |
2012-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7477% | 2,727 |
Cost of funding earning assets | 1.0455% | 1,497 |
Net interest margin | 3.7022% | 3,807 |
Noninterest income to average assets | 0.8431% | 1,993 |
Noninterest expense to average assets | 4.4773% | 564 |
Loan and lease loss provision to assets | 0.0928% | 4,399 |
Net operating income to assets | -0.1200% | 6,457 |
Return on assets (ROA) | -0.1200% | 6,553 |
Pretax return on assets | -0.3165% | 6,651 |
Return on Equity (ROE) | -1.4886% | 6,582 |
Retained earnings to average equity (ytd only) | -1.4886% | 6,287 |
Net charge-offs to loans | 0.3804% | 2,495 |
Credit loss provision to net charge-offs | 30.6306% | 4,432 |
Earnings coverage of net charge-offs (x) | -0.7387% | 5,272 |
Efficiency ratio | 105.2598% | 411 |
Assets per employee ($millions) | 2.9860% | 6,089 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5333% | 3,856 |
Loan loss allowance to noncurrent loans | 47.8214% | 5,238 |
Noncurrent assets plus other real estate owned to assets | 3.6476% | 1,441 |
Noncurrent loans to loans | 3.2064% | 1,813 |
Net loans and leases to total assets | 79.6631% | 545 |
Net loans and leases to deposits | 87.2387% | 1,446 |
Net loans and leases to core deposits | 89.7823% | 2,009 |
Total domestic deposits to total assets | 91.3163% | 352 |
Equity capital to assets | 8.2260% | 6,432 |
Core capital (leverage) ratio | 6.5594% | 6,916 |
Tier 1 risk-based capital ratio | 11.3543% | 6,311 |
Total risk-based capital ratio | 12.6146% | 6,278 |
Memoranda: | ||
Average total assets | $73,303,330 | 5,629 |
Average earning assets | $67,528,000 | 5,604 |
Average equity | $5,911,670 | 6,142 |
Average total loans | $58,360,670 | 4,861 |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5554% | 3,692 |
Cost of funding earning assets | 1.0684% | 1,570 |
Net interest margin | 3.4870% | 4,767 |
Noninterest income to average assets | 0.9714% | 1,505 |
Noninterest expense to average assets | 4.3819% | 606 |
Loan and lease loss provision to assets | 0.1835% | 3,141 |
Net operating income to assets | -0.2051% | 6,644 |
Return on assets (ROA) | -0.2051% | 6,692 |
Pretax return on assets | -0.3885% | 6,779 |
Return on Equity (ROE) | -2.5676% | 6,727 |
Retained earnings to average equity (ytd only) | -2.5676% | 6,347 |
Net charge-offs to loans | 0.8608% | 1,191 |
Credit loss provision to net charge-offs | 26.9841% | 3,671 |
Earnings coverage of net charge-offs (x) | -0.3016% | 4,464 |
Efficiency ratio | 104.9096% | 436 |
Assets per employee ($millions) | 2.7079% | 6,628 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4977% | 4,164 |
Loan loss allowance to noncurrent loans | 33.3715% | 6,003 |
Noncurrent assets plus other real estate owned to assets | 4.6257% | 1,151 |
Noncurrent loans to loans | 4.4880% | 1,306 |
Net loans and leases to total assets | 78.6197% | 532 |
Net loans and leases to deposits | 86.0367% | 1,418 |
Net loans and leases to core deposits | 88.4897% | 1,997 |
Total domestic deposits to total assets | 91.3792% | 412 |
Equity capital to assets | 8.0710% | 6,466 |
Core capital (leverage) ratio | 6.4112% | 6,982 |
Tier 1 risk-based capital ratio | 11.8536% | 6,049 |
Total risk-based capital ratio | 12.7800% | 6,245 |
Memoranda: | ||
Average total assets | $74,123,500 | 5,643 |
Average earning assets | $68,139,000 | 5,621 |
Average equity | $5,920,000 | 6,165 |
Average total loans | $58,552,000 | 4,879 |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9234% | 3,247 |
Cost of funding earning assets | 1.3057% | 1,455 |
Net interest margin | 3.6177% | 4,663 |
Noninterest income to average assets | 0.8815% | 1,738 |
Noninterest expense to average assets | 4.6063% | 524 |
Loan and lease loss provision to assets | 1.5965% | 444 |
Net operating income to assets | -1.4440% | 6,893 |
Return on assets (ROA) | -1.3939% | 6,903 |
Pretax return on assets | -2.0818% | 7,045 |
Return on Equity (ROE) | -16.3939% | 6,922 |
Retained earnings to average equity (ytd only) | -16.3939% | 6,901 |
Net charge-offs to loans | 3.0576% | 308 |
Credit loss provision to net charge-offs | 67.1553% | 4,955 |
Earnings coverage of net charge-offs (x) | -0.2356% | 5,977 |
Efficiency ratio | 113.8437% | 368 |
Assets per employee ($millions) | 2.6833% | 6,629 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6443% | 3,399 |
Loan loss allowance to noncurrent loans | 29.7139% | 6,218 |
Noncurrent assets plus other real estate owned to assets | 5.4836% | 937 |
Noncurrent loans to loans | 5.5338% | 950 |
Net loans and leases to total assets | 76.9063% | 836 |
Net loans and leases to deposits | 84.1040% | 1,912 |
Net loans and leases to core deposits | 86.7519% | 2,535 |
Total domestic deposits to total assets | 91.4418% | 345 |
Equity capital to assets | 7.9046% | 6,629 |
Core capital (leverage) ratio | 6.2888% | 7,014 |
Tier 1 risk-based capital ratio | 11.7271% | 6,007 |
Total risk-based capital ratio | 12.9775% | 5,993 |
Memoranda: | ||
Average total assets | $77,480,800 | 5,527 |
Average earning assets | $67,778,400 | 5,622 |
Average equity | $6,587,800 | 5,987 |
Average total loans | $60,243,600 | 4,856 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0159% | 3,009 |
Cost of funding earning assets | 1.3448% | 1,478 |
Net interest margin | 3.6710% | 4,464 |
Noninterest income to average assets | 0.9889% | 1,366 |
Noninterest expense to average assets | 4.6232% | 512 |
Loan and lease loss provision to assets | 1.5405% | 439 |
Net operating income to assets | -1.2039% | 6,961 |
Return on assets (ROA) | -1.1460% | 6,960 |
Pretax return on assets | -1.9094% | 7,107 |
Return on Equity (ROE) | -13.2539% | 6,976 |
Retained earnings to average equity (ytd only) | -13.2539% | 6,952 |
Net charge-offs to loans | 3.5412% | 214 |
Credit loss provision to net charge-offs | 56.0248% | 4,894 |
Earnings coverage of net charge-offs (x) | -0.1671% | 5,705 |
Efficiency ratio | 111.0336% | 413 |
Assets per employee ($millions) | 2.8477% | 6,404 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4481% | 4,341 |
Loan loss allowance to noncurrent loans | 29.4037% | 6,286 |
Noncurrent assets plus other real estate owned to assets | 4.8394% | 1,202 |
Noncurrent loans to loans | 4.9247% | 1,274 |
Net loans and leases to total assets | 76.3880% | 930 |
Net loans and leases to deposits | 83.2965% | 2,130 |
Net loans and leases to core deposits | 85.8471% | 2,793 |
Total domestic deposits to total assets | 91.7062% | 258 |
Equity capital to assets | 8.2561% | 6,523 |
Core capital (leverage) ratio | 7.3744% | 6,825 |
Tier 1 risk-based capital ratio | 13.0377% | 5,069 |
Total risk-based capital ratio | 14.3168% | 5,019 |
Memoranda: | ||
Average total assets | $78,067,750 | 5,550 |
Average earning assets | $67,517,500 | 5,668 |
Average equity | $6,750,000 | 5,984 |
Average total loans | $60,617,500 | 4,884 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0033% | 3,136 |
Cost of funding earning assets | 1.3554% | 1,622 |
Net interest margin | 3.6479% | 4,531 |
Noninterest income to average assets | 0.7137% | 2,470 |
Noninterest expense to average assets | 4.5093% | 589 |
Loan and lease loss provision to assets | 1.2541% | 605 |
Net operating income to assets | -1.1369% | 6,988 |
Return on assets (ROA) | -1.1369% | 6,994 |
Pretax return on assets | -1.8939% | 7,147 |
Return on Equity (ROE) | -12.9576% | 7,016 |
Retained earnings to average equity (ytd only) | -12.9576% | 6,977 |
Net charge-offs to loans | 4.4982% | 162 |
Credit loss provision to net charge-offs | 35.8862% | 4,893 |
Earnings coverage of net charge-offs (x) | -0.1831% | 5,395 |
Efficiency ratio | 116.5349% | 384 |
Assets per employee ($millions) | 2.8155% | 6,448 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1431% | 5,781 |
Loan loss allowance to noncurrent loans | 21.2531% | 6,680 |
Noncurrent assets plus other real estate owned to assets | 5.1577% | 1,183 |
Noncurrent loans to loans | 5.3784% | 1,182 |
Net loans and leases to total assets | 75.9152% | 1,083 |
Net loans and leases to deposits | 83.0055% | 2,276 |
Net loans and leases to core deposits | 85.8575% | 2,931 |
Total domestic deposits to total assets | 91.4580% | 353 |
Equity capital to assets | 8.4240% | 6,273 |
Core capital (leverage) ratio | 7.6394% | 6,632 |
Tier 1 risk-based capital ratio | 13.3506% | 4,650 |
Total risk-based capital ratio | 14.7416% | 4,509 |
Memoranda: | ||
Average total assets | $78,460,670 | 5,589 |
Average earning assets | $67,875,000 | 5,702 |
Average equity | $6,884,000 | 5,953 |
Average total loans | $60,957,670 | 4,913 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9580% | 3,297 |
Cost of funding earning assets | 1.3854% | 1,690 |
Net interest margin | 3.5726% | 4,706 |
Noninterest income to average assets | 0.5315% | 3,639 |
Noninterest expense to average assets | 4.6963% | 486 |
Loan and lease loss provision to assets | 0.1175% | 4,537 |
Net operating income to assets | -0.7103% | 6,919 |
Return on assets (ROA) | -0.7103% | 6,927 |
Pretax return on assets | -1.1856% | 7,053 |
Return on Equity (ROE) | -7.9366% | 6,958 |
Retained earnings to average equity (ytd only) | -7.9366% | 6,747 |
Net charge-offs to loans | 4.1199% | 214 |
Credit loss provision to net charge-offs | 3.6508% | 4,443 |
Earnings coverage of net charge-offs (x) | -0.3317% | 4,739 |
Efficiency ratio | 129.4366% | 263 |
Assets per employee ($millions) | 2.8271% | 6,485 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5949% | 3,749 |
Loan loss allowance to noncurrent loans | 51.0053% | 4,950 |
Noncurrent assets plus other real estate owned to assets | 4.4404% | 1,465 |
Noncurrent loans to loans | 3.1270% | 2,403 |
Net loans and leases to total assets | 75.1374% | 1,154 |
Net loans and leases to deposits | 82.4503% | 2,282 |
Net loans and leases to core deposits | 85.1047% | 3,019 |
Total domestic deposits to total assets | 91.1305% | 561 |
Equity capital to assets | 8.7747% | 5,539 |
Core capital (leverage) ratio | 8.0815% | 6,150 |
Tier 1 risk-based capital ratio | 13.8621% | 4,166 |
Total risk-based capital ratio | 16.2351% | 3,396 |
Memoranda: | ||
Average total assets | $78,274,000 | 5,636 |
Average earning assets | $67,850,000 | 5,737 |
Average equity | $7,005,500 | 5,923 |
Average total loans | $61,167,000 | 4,952 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3870% | 2,737 |
Cost of funding earning assets | 1.5732% | 2,225 |
Net interest margin | 3.8138% | 3,893 |
Noninterest income to average assets | 0.9085% | 1,827 |
Noninterest expense to average assets | 4.1559% | 957 |
Loan and lease loss provision to assets | 1.6960% | 834 |
Net operating income to assets | -0.9598% | 6,654 |
Return on assets (ROA) | -0.9598% | 6,698 |
Pretax return on assets | -1.5777% | 6,886 |
Return on Equity (ROE) | -9.6635% | 6,714 |
Retained earnings to average equity (ytd only) | -9.6635% | 6,646 |
Net charge-offs to loans | 0.3769% | 4,155 |
Credit loss provision to net charge-offs | 551.2821% | 405 |
Earnings coverage of net charge-offs (x) | 0.3846% | 5,724 |
Efficiency ratio | 97.2316% | 902 |
Assets per employee ($millions) | 2.7639% | 6,583 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.5383% | 1,368 |
Loan loss allowance to noncurrent loans | 86.3661% | 3,310 |
Noncurrent assets plus other real estate owned to assets | 3.6749% | 1,875 |
Noncurrent loans to loans | 2.9390% | 2,597 |
Net loans and leases to total assets | 77.9452% | 949 |
Net loans and leases to deposits | 85.9800% | 2,103 |
Net loans and leases to core deposits | 88.6656% | 2,952 |
Total domestic deposits to total assets | 90.6550% | 767 |
Equity capital to assets | 9.1292% | 4,947 |
Core capital (leverage) ratio | 8.2323% | 5,785 |
Tier 1 risk-based capital ratio | 14.1137% | 3,794 |
Total risk-based capital ratio | 15.4523% | 3,692 |
Memoranda: | ||
Average total assets | $76,061,200 | 5,711 |
Average earning assets | $67,124,200 | 5,764 |
Average equity | $7,554,200 | 5,858 |
Average total loans | $62,082,000 | 4,987 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.0244% | 890 |
Cost of funding earning assets | 1.6033% | 2,369 |
Net interest margin | 4.4211% | 1,460 |
Noninterest income to average assets | 0.3204% | 5,589 |
Noninterest expense to average assets | 4.1815% | 850 |
Loan and lease loss provision to assets | 0.9719% | 1,540 |
Net operating income to assets | -0.5528% | 6,633 |
Return on assets (ROA) | -0.5528% | 6,688 |
Pretax return on assets | -0.9296% | 6,819 |
Return on Equity (ROE) | -5.4538% | 6,682 |
Retained earnings to average equity (ytd only) | -5.4538% | 6,593 |
Net charge-offs to loans | 0.3670% | 3,842 |
Credit loss provision to net charge-offs | 322.8070% | 982 |
Earnings coverage of net charge-offs (x) | 0.1404% | 5,887 |
Efficiency ratio | 98.9996% | 778 |
Assets per employee ($millions) | 2.5279% | 7,052 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4480% | 4,216 |
Loan loss allowance to noncurrent loans | 61.8357% | 4,202 |
Noncurrent assets plus other real estate owned to assets | 3.3357% | 2,134 |
Noncurrent loans to loans | 2.3417% | 3,299 |
Net loans and leases to total assets | 77.8189% | 1,068 |
Net loans and leases to deposits | 86.0004% | 2,344 |
Net loans and leases to core deposits | 88.3413% | 3,326 |
Total domestic deposits to total assets | 90.4867% | 645 |
Equity capital to assets | 9.5133% | 4,823 |
Core capital (leverage) ratio | 9.2956% | 4,220 |
Tier 1 risk-based capital ratio | 15.0925% | 3,203 |
Total risk-based capital ratio | 16.3506% | 3,185 |
Memoranda: | ||
Average total assets | $75,729,250 | 5,781 |
Average earning assets | $66,860,000 | 5,836 |
Average equity | $7,676,500 | 5,885 |
Average total loans | $62,129,500 | 5,061 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.9973% | 956 |
Cost of funding earning assets | 1.6216% | 2,540 |
Net interest margin | 4.3757% | 1,521 |
Noninterest income to average assets | 0.2592% | 6,065 |
Noninterest expense to average assets | 4.0480% | 987 |
Loan and lease loss provision to assets | 0.0935% | 5,978 |
Net operating income to assets | 0.0027% | 6,079 |
Return on assets (ROA) | 0.0027% | 6,183 |
Pretax return on assets | -0.0107% | 6,165 |
Return on Equity (ROE) | 0.0258% | 6,186 |
Retained earnings to average equity (ytd only) | 0.0258% | 5,725 |
Net charge-offs to loans | 0.1800% | 4,528 |
Credit loss provision to net charge-offs | 62.5000% | 5,146 |
Earnings coverage of net charge-offs (x) | 0.5536% | 5,177 |
Efficiency ratio | 97.9948% | 881 |
Assets per employee ($millions) | 2.5661% | 7,009 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.7930% | 7,050 |
Loan loss allowance to noncurrent loans | 26.3186% | 6,591 |
Noncurrent assets plus other real estate owned to assets | 2.9006% | 2,477 |
Noncurrent loans to loans | 3.0132% | 2,668 |
Net loans and leases to total assets | 80.2738% | 759 |
Net loans and leases to deposits | 89.4042% | 1,946 |
Net loans and leases to core deposits | 91.9093% | 3,005 |
Total domestic deposits to total assets | 89.7875% | 1,030 |
Equity capital to assets | 10.0488% | 3,958 |
Core capital (leverage) ratio | 10.0693% | 3,095 |
Tier 1 risk-based capital ratio | 16.7390% | 2,387 |
Total risk-based capital ratio | 17.8061% | 2,404 |
Memoranda: | ||
Average total assets | $74,851,000 | 5,842 |
Average earning assets | $66,229,670 | 5,895 |
Average equity | $7,750,330 | 5,887 |
Average total loans | $62,213,330 | 5,096 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.9930% | 993 |
Cost of funding earning assets | 1.6278% | 2,786 |
Net interest margin | 4.3652% | 1,487 |
Noninterest income to average assets | 0.1952% | 6,566 |
Noninterest expense to average assets | 3.9466% | 1,105 |
Loan and lease loss provision to assets | 0.0922% | 5,712 |
Net operating income to assets | 0.0217% | 6,231 |
Return on assets (ROA) | 0.0217% | 6,349 |
Pretax return on assets | 0.0379% | 6,285 |
Return on Equity (ROE) | 0.2063% | 6,346 |
Retained earnings to average equity (ytd only) | 0.2063% | 5,740 |
Net charge-offs to loans | 0.2187% | 3,617 |
Credit loss provision to net charge-offs | 50.0000% | 4,477 |
Earnings coverage of net charge-offs (x) | 0.7059% | 4,397 |
Efficiency ratio | 96.8085% | 982 |
Assets per employee ($millions) | 2.3394% | 7,403 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8051% | 7,117 |
Loan loss allowance to noncurrent loans | 46.2396% | 5,270 |
Noncurrent assets plus other real estate owned to assets | 2.1346% | 3,341 |
Noncurrent loans to loans | 1.7412% | 4,138 |
Net loans and leases to total assets | 81.9601% | 600 |
Net loans and leases to deposits | 91.5066% | 1,680 |
Net loans and leases to core deposits | 93.7851% | 2,864 |
Total domestic deposits to total assets | 89.5675% | 1,195 |
Equity capital to assets | 10.3551% | 3,403 |
Core capital (leverage) ratio | 10.4355% | 2,687 |
Tier 1 risk-based capital ratio | 17.5575% | 2,059 |
Total risk-based capital ratio | 18.6855% | 2,065 |
Memoranda: | ||
Average total assets | $73,784,500 | 5,945 |
Average earning assets | $65,609,500 | 5,976 |
Average equity | $7,757,500 | 5,925 |
Average total loans | $62,174,000 | 5,173 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.5763% | 3,722 |
Cost of funding earning assets | 2.0709% | 2,624 |
Net interest margin | 3.5054% | 4,932 |
Noninterest income to average assets | 0.9846% | 1,629 |
Noninterest expense to average assets | 4.3072% | 978 |
Loan and lease loss provision to assets | 0.5130% | 3,812 |
Net operating income to assets | -0.4112% | 6,092 |
Return on assets (ROA) | -0.4112% | 6,089 |
Pretax return on assets | -0.6766% | 6,165 |
Return on Equity (ROE) | -3.7373% | 6,087 |
Retained earnings to average equity (ytd only) | -3.7373% | 5,829 |
Net charge-offs to loans | 0.5111% | 3,737 |
Credit loss provision to net charge-offs | 121.1039% | 4,405 |
Earnings coverage of net charge-offs (x) | -0.3864% | 6,617 |
Efficiency ratio | 103.9496% | 957 |
Assets per employee ($millions) | 2.4236% | 7,323 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8241% | 7,062 |
Loan loss allowance to noncurrent loans | 79.1091% | 3,479 |
Noncurrent assets plus other real estate owned to assets | 1.9297% | 3,486 |
Noncurrent loans to loans | 1.0417% | 5,237 |
Net loans and leases to total assets | 85.2435% | 326 |
Net loans and leases to deposits | 95.6067% | 1,374 |
Net loans and leases to core deposits | 121.1194% | 1,872 |
Total domestic deposits to total assets | 89.1606% | 1,405 |
Equity capital to assets | 10.6771% | 2,989 |
Core capital (leverage) ratio | 10.5834% | 2,524 |
Tier 1 risk-based capital ratio | 17.2386% | 2,090 |
Total risk-based capital ratio | 18.3840% | 2,075 |
Memoranda: | ||
Average total assets | $72,716,200 | 5,925 |
Average earning assets | $65,527,000 | 5,944 |
Average equity | $8,000,400 | 5,922 |
Average total loans | $60,262,200 | 5,244 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.6302% | 3,689 |
Cost of funding earning assets | 2.1775% | 2,514 |
Net interest margin | 3.4527% | 5,065 |
Noninterest income to average assets | 0.9461% | 1,793 |
Noninterest expense to average assets | 3.9365% | 1,375 |
Loan and lease loss provision to assets | 0.1100% | 6,273 |
Net operating income to assets | 0.0018% | 5,705 |
Return on assets (ROA) | 0.0018% | 5,766 |
Pretax return on assets | 0.0073% | 5,689 |
Return on Equity (ROE) | 0.0165% | 5,769 |
Retained earnings to average equity (ytd only) | 0.0165% | 5,196 |
Net charge-offs to loans | 0.3082% | 4,111 |
Credit loss provision to net charge-offs | 43.4783% | 6,389 |
Earnings coverage of net charge-offs (x) | 0.4638% | 5,570 |
Efficiency ratio | 97.1054% | 1,205 |
Assets per employee ($millions) | 2.2033% | 7,610 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.6102% | 7,562 |
Loan loss allowance to noncurrent loans | 35.5301% | 6,041 |
Noncurrent assets plus other real estate owned to assets | 2.2432% | 3,045 |
Noncurrent loans to loans | 1.7173% | 4,060 |
Net loans and leases to total assets | 83.3393% | 630 |
Net loans and leases to deposits | 93.9385% | 1,888 |
Net loans and leases to core deposits | 118.6947% | 2,356 |
Total domestic deposits to total assets | 88.7168% | 1,332 |
Equity capital to assets | 11.0783% | 2,943 |
Core capital (leverage) ratio | 10.9833% | 2,417 |
Tier 1 risk-based capital ratio | 18.5515% | 1,853 |
Total risk-based capital ratio | 19.4156% | 1,890 |
Memoranda: | ||
Average total assets | $72,718,500 | 5,959 |
Average earning assets | $65,454,500 | 5,978 |
Average equity | $8,059,750 | 5,963 |
Average total loans | $59,704,500 | 5,301 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.6153% | 3,996 |
Cost of funding earning assets | 2.2596% | 2,531 |
Net interest margin | 3.3557% | 5,335 |
Noninterest income to average assets | 0.8966% | 2,004 |
Noninterest expense to average assets | 3.6743% | 1,890 |
Loan and lease loss provision to assets | 0.1100% | 6,052 |
Net operating income to assets | 0.0715% | 5,642 |
Return on assets (ROA) | 0.0715% | 5,739 |
Pretax return on assets | 0.1265% | 5,613 |
Return on Equity (ROE) | 0.6451% | 5,740 |
Retained earnings to average equity (ytd only) | 0.6451% | 4,931 |
Net charge-offs to loans | 0.2092% | 4,204 |
Credit loss provision to net charge-offs | 64.5161% | 5,520 |
Earnings coverage of net charge-offs (x) | 1.3871% | 4,489 |
Efficiency ratio | 93.9522% | 1,497 |
Assets per employee ($millions) | 2.2822% | 7,577 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.7026% | 7,419 |
Loan loss allowance to noncurrent loans | 20.2556% | 7,116 |
Noncurrent assets plus other real estate owned to assets | 3.1371% | 2,002 |
Noncurrent loans to loans | 3.4689% | 2,028 |
Net loans and leases to total assets | 82.8221% | 808 |
Net loans and leases to deposits | 93.3540% | 2,200 |
Net loans and leases to core deposits | 119.7059% | 2,397 |
Total domestic deposits to total assets | 88.7183% | 1,421 |
Equity capital to assets | 11.0585% | 2,863 |
Core capital (leverage) ratio | 11.0135% | 2,388 |
Tier 1 risk-based capital ratio | 17.9244% | 2,040 |
Total risk-based capital ratio | 18.8743% | 2,062 |
Memoranda: | ||
Average total assets | $72,721,330 | 6,011 |
Average earning assets | $65,321,330 | 6,032 |
Average equity | $8,061,330 | 5,996 |
Average total loans | $59,283,330 | 5,368 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.6496% | 4,051 |
Cost of funding earning assets | 2.3092% | 2,657 |
Net interest margin | 3.3404% | 5,368 |
Noninterest income to average assets | 0.8268% | 2,191 |
Noninterest expense to average assets | 3.6325% | 1,790 |
Loan and lease loss provision to assets | 0.1102% | 5,554 |
Net operating income to assets | 0.0386% | 6,167 |
Return on assets (ROA) | 0.0386% | 6,313 |
Pretax return on assets | 0.0661% | 6,240 |
Return on Equity (ROE) | 0.3477% | 6,322 |
Retained earnings to average equity (ytd only) | 0.3477% | 5,519 |
Net charge-offs to loans | 0.3557% | 2,663 |
Credit loss provision to net charge-offs | 38.4615% | 4,837 |
Earnings coverage of net charge-offs (x) | 0.6154% | 4,502 |
Efficiency ratio | 95.3690% | 1,354 |
Assets per employee ($millions) | 2.5321% | 7,212 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.7082% | 7,420 |
Loan loss allowance to noncurrent loans | 30.3118% | 6,531 |
Noncurrent assets plus other real estate owned to assets | 2.1204% | 2,722 |
Noncurrent loans to loans | 2.3365% | 2,816 |
Net loans and leases to total assets | 79.8055% | 1,428 |
Net loans and leases to deposits | 89.8680% | 2,952 |
Net loans and leases to core deposits | 115.8142% | 2,820 |
Total domestic deposits to total assets | 88.8031% | 1,340 |
Equity capital to assets | 10.9722% | 2,987 |
Core capital (leverage) ratio | 11.0570% | 2,459 |
Tier 1 risk-based capital ratio | 18.0784% | 2,033 |
Total risk-based capital ratio | 19.0163% | 2,057 |
Memoranda: | ||
Average total assets | $72,567,000 | 6,045 |
Average earning assets | $64,783,000 | 6,077 |
Average equity | $8,054,000 | 6,043 |
Average total loans | $58,468,500 | 5,427 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.9709% | 5,699 |
Cost of funding earning assets | 2.5973% | 3,700 |
Net interest margin | 3.3737% | 5,773 |
Noninterest income to average assets | 1.1932% | 1,063 |
Noninterest expense to average assets | 3.8666% | 1,628 |
Loan and lease loss provision to assets | 0.1318% | 5,678 |
Net operating income to assets | 0.1374% | 6,011 |
Return on assets (ROA) | 0.1374% | 5,842 |
Pretax return on assets | 0.2331% | 5,658 |
Return on Equity (ROE) | 1.2257% | 5,848 |
Retained earnings to average equity (ytd only) | 1.2257% | 4,489 |
Net charge-offs to loans | 0.1460% | 4,751 |
Credit loss provision to net charge-offs | 115.8537% | 4,661 |
Earnings coverage of net charge-offs (x) | 3.2073% | 4,483 |
Efficiency ratio | 91.3770% | 1,418 |
Assets per employee ($millions) | 2.1728% | 7,747 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.7752% | 7,189 |
Loan loss allowance to noncurrent loans | 42.7212% | 5,876 |
Noncurrent assets plus other real estate owned to assets | 1.6066% | 3,034 |
Noncurrent loans to loans | 1.8147% | 3,039 |
Net loans and leases to total assets | 80.1473% | 1,629 |
Net loans and leases to deposits | 90.5750% | 3,351 |
Net loans and leases to core deposits | 115.5647% | 3,167 |
Total domestic deposits to total assets | 88.4872% | 1,256 |
Equity capital to assets | 11.2283% | 2,863 |
Core capital (leverage) ratio | 11.1499% | 2,465 |
Tier 1 risk-based capital ratio | 18.7111% | 1,864 |
Total risk-based capital ratio | 19.7546% | 1,862 |
Memoranda: | ||
Average total assets | $72,078,000 | 5,964 |
Average earning assets | $64,914,800 | 5,995 |
Average equity | $8,076,800 | 6,059 |
Average total loans | $56,150,600 | 5,439 |