Home > Florida Community Bank > Performance and Condition Ratios
Florida Community Bank, Performance and Condition Ratios
2018-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4095% | 2,728 |
Cost of funding earning assets | 1.2156% | 318 |
Net interest margin | 3.1940% | 4,500 |
Noninterest income to average assets | 0.3745% | 3,587 |
Noninterest expense to average assets | 1.2888% | 5,303 |
Loan and lease loss provision to assets | 0.1406% | 1,534 |
Net operating income to assets | 1.5135% | 1,085 |
Return on assets (ROA) | 1.5173% | 1,059 |
Pretax return on assets | 1.9683% | 599 |
Return on Equity (ROE) | 14.9804% | 834 |
Retained earnings to average equity (ytd only) | 14.9804% | 115 |
Net charge-offs to loans | 0.1434% | 1,327 |
Credit loss provision to net charge-offs | 129.5991% | 2,039 |
Earnings coverage of net charge-offs (x) | 19.4005% | 2,065 |
Efficiency ratio | 37.6322% | 5,310 |
Assets per employee ($millions) | 17.4353% | 72 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.5401% | 5,074 |
Loan loss allowance to noncurrent loans | 150.4255% | 2,709 |
Noncurrent assets plus other real estate owned to assets | 0.3551% | 3,124 |
Noncurrent loans to loans | 0.3591% | 3,252 |
Net loans and leases to total assets | 75.5149% | 1,693 |
Net loans and leases to deposits | 86.0613% | 2,264 |
Net loans and leases to core deposits | 122.0747% | 497 |
Total domestic deposits to total assets | 87.7454% | 1,417 |
Equity capital to assets | 10.3049% | 3,370 |
Core capital (leverage) ratio | 9.5451% | 4,070 |
Tier 1 risk-based capital ratio | 11.1231% | 4,908 |
Total risk-based capital ratio | 11.6148% | 5,135 |
Memoranda: | ||
Average total assets | $11,728,025,600 | 122 |
Average earning assets | $11,083,675,200 | 116 |
Average equity | $1,187,864,800 | 144 |
Average total loans | $8,873,209,400 | 114 |
2018-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3233% | 2,873 |
Cost of funding earning assets | 1.1409% | 339 |
Net interest margin | 3.1823% | 4,545 |
Noninterest income to average assets | 0.3390% | 3,885 |
Noninterest expense to average assets | 1.3209% | 5,361 |
Loan and lease loss provision to assets | 0.0669% | 2,642 |
Net operating income to assets | 1.5277% | 1,127 |
Return on assets (ROA) | 1.5321% | 1,117 |
Pretax return on assets | 1.9623% | 689 |
Return on Equity (ROE) | 15.1981% | 835 |
Retained earnings to average equity (ytd only) | 15.1981% | 169 |
Net charge-offs to loans | -0.0031% | 4,139 |
Credit loss provision to net charge-offs | -2,871.7822% | 4,792 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 39.1381% | 5,350 |
Assets per employee ($millions) | 16.6626% | 77 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.5704% | 5,091 |
Loan loss allowance to noncurrent loans | 236.8766% | 1,968 |
Noncurrent assets plus other real estate owned to assets | 0.2689% | 3,607 |
Noncurrent loans to loans | 0.2408% | 3,834 |
Net loans and leases to total assets | 75.5455% | 1,723 |
Net loans and leases to deposits | 91.1942% | 1,729 |
Net loans and leases to core deposits | 121.7973% | 522 |
Total domestic deposits to total assets | 82.8403% | 3,362 |
Equity capital to assets | 10.2062% | 3,444 |
Core capital (leverage) ratio | 9.4928% | 4,184 |
Tier 1 risk-based capital ratio | 10.6941% | 5,175 |
Total risk-based capital ratio | 11.2158% | 5,341 |
Memoranda: | ||
Average total assets | $11,556,545,250 | 121 |
Average earning assets | $10,914,359,250 | 115 |
Average equity | $1,165,020,500 | 145 |
Average total loans | $8,735,190,750 | 115 |
2018-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2445% | 2,963 |
Cost of funding earning assets | 1.0746% | 328 |
Net interest margin | 3.1700% | 4,576 |
Noninterest income to average assets | 0.3303% | 3,981 |
Noninterest expense to average assets | 1.3433% | 5,416 |
Loan and lease loss provision to assets | 0.0633% | 2,638 |
Net operating income to assets | 1.5171% | 1,113 |
Return on assets (ROA) | 1.5252% | 1,089 |
Pretax return on assets | 1.9282% | 719 |
Return on Equity (ROE) | 15.1975% | 816 |
Retained earnings to average equity (ytd only) | 15.1975% | 189 |
Net charge-offs to loans | 0.0037% | 3,050 |
Credit loss provision to net charge-offs | 2,295.5128% | 184 |
Earnings coverage of net charge-offs (x) | 718.8718% | 114 |
Efficiency ratio | 40.0535% | 5,399 |
Assets per employee ($millions) | 16.2439% | 77 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.5667% | 5,167 |
Loan loss allowance to noncurrent loans | 271.8087% | 1,777 |
Noncurrent assets plus other real estate owned to assets | 0.2479% | 3,770 |
Noncurrent loans to loans | 0.2085% | 3,976 |
Net loans and leases to total assets | 73.9181% | 1,958 |
Net loans and leases to deposits | 89.9628% | 1,844 |
Net loans and leases to core deposits | 116.3894% | 699 |
Total domestic deposits to total assets | 82.1651% | 3,662 |
Equity capital to assets | 10.0685% | 3,559 |
Core capital (leverage) ratio | 9.3735% | 4,278 |
Tier 1 risk-based capital ratio | 10.5851% | 5,235 |
Total risk-based capital ratio | 11.0985% | 5,408 |
Memoranda: | ||
Average total assets | $11,320,844,000 | 121 |
Average earning assets | $10,693,215,000 | 117 |
Average equity | $1,136,144,000 | 145 |
Average total loans | $8,540,991,670 | 116 |
2018-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0996% | 3,236 |
Cost of funding earning assets | 1.0054% | 363 |
Net interest margin | 3.0941% | 4,713 |
Noninterest income to average assets | 0.3629% | 3,715 |
Noninterest expense to average assets | 1.3435% | 5,477 |
Loan and lease loss provision to assets | 0.0756% | 2,255 |
Net operating income to assets | 1.5488% | 955 |
Return on assets (ROA) | 1.5496% | 961 |
Pretax return on assets | 1.8724% | 776 |
Return on Equity (ROE) | 15.4677% | 714 |
Retained earnings to average equity (ytd only) | 15.4677% | 286 |
Net charge-offs to loans | 0.0004% | 2,717 |
Credit loss provision to net charge-offs | 25,950.0000% | 6 |
Earnings coverage of net charge-offs (x) | 6,680.3750% | 6 |
Efficiency ratio | 40.5031% | 5,446 |
Assets per employee ($millions) | 15.3791% | 87 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.5651% | 5,245 |
Loan loss allowance to noncurrent loans | 298.4234% | 1,644 |
Noncurrent assets plus other real estate owned to assets | 0.2664% | 3,803 |
Noncurrent loans to loans | 0.1894% | 4,117 |
Net loans and leases to total assets | 75.4771% | 1,624 |
Net loans and leases to deposits | 91.1989% | 1,536 |
Net loans and leases to core deposits | 116.9819% | 692 |
Total domestic deposits to total assets | 82.7610% | 3,742 |
Equity capital to assets | 10.2312% | 3,358 |
Core capital (leverage) ratio | 9.6536% | 3,904 |
Tier 1 risk-based capital ratio | 10.5393% | 5,339 |
Total risk-based capital ratio | 11.0578% | 5,491 |
Memoranda: | ||
Average total assets | $10,979,130,000 | 122 |
Average earning assets | $10,388,249,000 | 118 |
Average equity | $1,099,892,500 | 147 |
Average total loans | $8,349,539,500 | 118 |
2017-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0038% | 3,395 |
Cost of funding earning assets | 0.8514% | 481 |
Net interest margin | 3.1524% | 4,567 |
Noninterest income to average assets | 0.4112% | 3,559 |
Noninterest expense to average assets | 1.4116% | 5,515 |
Loan and lease loss provision to assets | 0.0969% | 2,273 |
Net operating income to assets | 1.2551% | 1,344 |
Return on assets (ROA) | 1.2545% | 1,371 |
Pretax return on assets | 1.8682% | 651 |
Return on Equity (ROE) | 12.5928% | 1,059 |
Retained earnings to average equity (ytd only) | 12.5928% | 153 |
Net charge-offs to loans | 0.0023% | 4,032 |
Credit loss provision to net charge-offs | 5,637.7246% | 72 |
Earnings coverage of net charge-offs (x) | 1,144.4311% | 68 |
Efficiency ratio | 41.4810% | 5,501 |
Assets per employee ($millions) | 14.8100% | 96 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.5900% | 5,262 |
Loan loss allowance to noncurrent loans | 286.9970% | 1,716 |
Noncurrent assets plus other real estate owned to assets | 0.2988% | 3,687 |
Noncurrent loans to loans | 0.2056% | 4,090 |
Net loans and leases to total assets | 75.7562% | 1,643 |
Net loans and leases to deposits | 91.4693% | 1,592 |
Net loans and leases to core deposits | 115.7203% | 729 |
Total domestic deposits to total assets | 82.8214% | 3,621 |
Equity capital to assets | 9.7848% | 3,937 |
Core capital (leverage) ratio | 9.1932% | 4,405 |
Tier 1 risk-based capital ratio | 10.4287% | 5,395 |
Total risk-based capital ratio | 10.9711% | 5,546 |
Memoranda: | ||
Average total assets | $9,721,127,200 | 127 |
Average earning assets | $9,147,512,400 | 121 |
Average equity | $968,395,600 | 153 |
Average total loans | $7,274,501,800 | 124 |
2017-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9765% | 3,439 |
Cost of funding earning assets | 0.8158% | 521 |
Net interest margin | 3.1607% | 4,557 |
Noninterest income to average assets | 0.4287% | 3,489 |
Noninterest expense to average assets | 1.4321% | 5,565 |
Loan and lease loss provision to assets | 0.0927% | 2,231 |
Net operating income to assets | 1.4958% | 905 |
Return on assets (ROA) | 1.5123% | 894 |
Pretax return on assets | 1.8927% | 698 |
Return on Equity (ROE) | 15.1074% | 637 |
Retained earnings to average equity (ytd only) | 15.1074% | 116 |
Net charge-offs to loans | 0.0044% | 3,574 |
Credit loss provision to net charge-offs | 2,820.8511% | 155 |
Earnings coverage of net charge-offs (x) | 597.5829% | 171 |
Efficiency ratio | 41.8429% | 5,538 |
Assets per employee ($millions) | 14.6522% | 96 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.5896% | 5,344 |
Loan loss allowance to noncurrent loans | 210.5286% | 2,156 |
Noncurrent assets plus other real estate owned to assets | 0.3850% | 3,485 |
Noncurrent loans to loans | 0.2801% | 3,947 |
Net loans and leases to total assets | 74.4006% | 1,854 |
Net loans and leases to deposits | 92.0475% | 1,561 |
Net loans and leases to core deposits | 116.0259% | 748 |
Total domestic deposits to total assets | 80.8285% | 4,094 |
Equity capital to assets | 10.1049% | 3,796 |
Core capital (leverage) ratio | 9.3824% | 4,312 |
Tier 1 risk-based capital ratio | 10.8257% | 5,333 |
Total risk-based capital ratio | 11.3656% | 5,528 |
Memoranda: | ||
Average total assets | $9,530,047,000 | 131 |
Average earning assets | $8,949,516,750 | 123 |
Average equity | $954,000,750 | 155 |
Average total loans | $7,095,497,250 | 126 |
2017-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9194% | 3,491 |
Cost of funding earning assets | 0.7726% | 606 |
Net interest margin | 3.1468% | 4,553 |
Noninterest income to average assets | 0.4526% | 3,338 |
Noninterest expense to average assets | 1.4542% | 5,600 |
Loan and lease loss provision to assets | 0.0803% | 2,383 |
Net operating income to assets | 1.5963% | 714 |
Return on assets (ROA) | 1.6151% | 701 |
Pretax return on assets | 1.8943% | 664 |
Return on Equity (ROE) | 16.1883% | 504 |
Retained earnings to average equity (ytd only) | 16.1883% | 101 |
Net charge-offs to loans | 0.0092% | 3,135 |
Credit loss provision to net charge-offs | 1,170.7165% | 344 |
Earnings coverage of net charge-offs (x) | 284.6978% | 299 |
Efficiency ratio | 42.3647% | 5,562 |
Assets per employee ($millions) | 14.3583% | 98 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.5681% | 5,429 |
Loan loss allowance to noncurrent loans | 260.5850% | 1,785 |
Noncurrent assets plus other real estate owned to assets | 0.3529% | 3,708 |
Noncurrent loans to loans | 0.2180% | 4,253 |
Net loans and leases to total assets | 74.2025% | 1,830 |
Net loans and leases to deposits | 93.9413% | 1,271 |
Net loans and leases to core deposits | 115.0071% | 753 |
Total domestic deposits to total assets | 78.9882% | 4,623 |
Equity capital to assets | 10.0608% | 3,841 |
Core capital (leverage) ratio | 9.3486% | 4,295 |
Tier 1 risk-based capital ratio | 10.9015% | 5,307 |
Total risk-based capital ratio | 11.4286% | 5,522 |
Memoranda: | ||
Average total assets | $9,361,138,000 | 131 |
Average earning assets | $8,787,841,330 | 127 |
Average equity | $933,934,000 | 156 |
Average total loans | $6,956,760,330 | 127 |
2017-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8823% | 3,455 |
Cost of funding earning assets | 0.7162% | 775 |
Net interest margin | 3.1661% | 4,447 |
Noninterest income to average assets | 0.4783% | 3,133 |
Noninterest expense to average assets | 1.4845% | 5,640 |
Loan and lease loss provision to assets | 0.0717% | 2,370 |
Net operating income to assets | 1.7041% | 546 |
Return on assets (ROA) | 1.7346% | 521 |
Pretax return on assets | 1.9247% | 596 |
Return on Equity (ROE) | 17.4647% | 375 |
Retained earnings to average equity (ytd only) | 17.4647% | 155 |
Net charge-offs to loans | 0.0064% | 2,751 |
Credit loss provision to net charge-offs | 1,507.3394% | 214 |
Earnings coverage of net charge-offs (x) | 412.6147% | 138 |
Efficiency ratio | 42.7427% | 5,634 |
Assets per employee ($millions) | 14.7055% | 91 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.5682% | 5,523 |
Loan loss allowance to noncurrent loans | 239.0772% | 1,959 |
Noncurrent assets plus other real estate owned to assets | 0.3758% | 3,697 |
Noncurrent loans to loans | 0.2377% | 4,258 |
Net loans and leases to total assets | 73.5464% | 1,815 |
Net loans and leases to deposits | 89.8407% | 1,553 |
Net loans and leases to core deposits | 111.5972% | 792 |
Total domestic deposits to total assets | 81.8631% | 4,203 |
Equity capital to assets | 9.9689% | 3,791 |
Core capital (leverage) ratio | 9.3226% | 4,317 |
Tier 1 risk-based capital ratio | 10.9245% | 5,345 |
Total risk-based capital ratio | 11.4616% | 5,594 |
Memoranda: | ||
Average total assets | $9,167,065,500 | 135 |
Average earning assets | $8,595,380,500 | 129 |
Average equity | $910,475,000 | 160 |
Average total loans | $6,797,367,500 | 129 |
2016-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1698% | 2,586 |
Cost of funding earning assets | 0.6789% | 914 |
Net interest margin | 3.4909% | 3,467 |
Noninterest income to average assets | 0.4062% | 3,830 |
Noninterest expense to average assets | 1.5947% | 5,652 |
Loan and lease loss provision to assets | 0.0951% | 2,463 |
Net operating income to assets | 1.2263% | 1,420 |
Return on assets (ROA) | 1.2454% | 1,452 |
Pretax return on assets | 1.9854% | 517 |
Return on Equity (ROE) | 12.0113% | 1,241 |
Retained earnings to average equity (ytd only) | 12.0113% | 217 |
Net charge-offs to loans | -0.0187% | 5,105 |
Credit loss provision to net charge-offs | -685.9319% | 5,230 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 43.3414% | 5,714 |
Assets per employee ($millions) | 13.9007% | 107 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.5694% | 5,577 |
Loan loss allowance to noncurrent loans | 140.6458% | 2,936 |
Noncurrent assets plus other real estate owned to assets | 0.5158% | 3,202 |
Noncurrent loans to loans | 0.4049% | 3,699 |
Net loans and leases to total assets | 73.9186% | 1,864 |
Net loans and leases to deposits | 90.3523% | 1,641 |
Net loans and leases to core deposits | 113.2275% | 728 |
Total domestic deposits to total assets | 81.8115% | 4,127 |
Equity capital to assets | 9.8933% | 3,826 |
Core capital (leverage) ratio | 9.3319% | 4,315 |
Tier 1 risk-based capital ratio | 10.8703% | 5,406 |
Total risk-based capital ratio | 11.4098% | 5,646 |
Memoranda: | ||
Average total assets | $8,050,667,200 | 147 |
Average earning assets | $7,470,038,200 | 140 |
Average equity | $834,731,600 | 161 |
Average total loans | $5,956,626,600 | 136 |
2016-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1948% | 2,535 |
Cost of funding earning assets | 0.6710% | 944 |
Net interest margin | 3.5238% | 3,378 |
Noninterest income to average assets | 0.4181% | 3,794 |
Noninterest expense to average assets | 1.6395% | 5,659 |
Loan and lease loss provision to assets | 0.0921% | 2,387 |
Net operating income to assets | 1.2431% | 1,479 |
Return on assets (ROA) | 1.2598% | 1,523 |
Pretax return on assets | 1.9722% | 612 |
Return on Equity (ROE) | 11.9927% | 1,326 |
Retained earnings to average equity (ytd only) | 11.9927% | 306 |
Net charge-offs to loans | -0.0289% | 5,149 |
Credit loss provision to net charge-offs | -431.4445% | 5,039 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 44.1455% | 5,739 |
Assets per employee ($millions) | 12.7852% | 134 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.5693% | 5,641 |
Loan loss allowance to noncurrent loans | 143.8246% | 2,877 |
Noncurrent assets plus other real estate owned to assets | 0.6025% | 3,098 |
Noncurrent loans to loans | 0.3959% | 3,850 |
Net loans and leases to total assets | 74.5127% | 1,787 |
Net loans and leases to deposits | 90.1423% | 1,734 |
Net loans and leases to core deposits | 113.1522% | 759 |
Total domestic deposits to total assets | 82.6612% | 3,722 |
Equity capital to assets | 10.4332% | 3,627 |
Core capital (leverage) ratio | 9.5657% | 4,101 |
Tier 1 risk-based capital ratio | 11.0492% | 5,351 |
Total risk-based capital ratio | 11.4713% | 5,668 |
Memoranda: | ||
Average total assets | $7,825,325,250 | 150 |
Average earning assets | $7,238,884,250 | 142 |
Average equity | $822,001,000 | 164 |
Average total loans | $5,782,004,750 | 137 |
2016-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2214% | 2,438 |
Cost of funding earning assets | 0.6557% | 1,026 |
Net interest margin | 3.5657% | 3,229 |
Noninterest income to average assets | 0.4079% | 3,815 |
Noninterest expense to average assets | 1.6849% | 5,696 |
Loan and lease loss provision to assets | 0.0894% | 2,356 |
Net operating income to assets | 1.2229% | 1,524 |
Return on assets (ROA) | 1.2332% | 1,585 |
Pretax return on assets | 1.9411% | 646 |
Return on Equity (ROE) | 11.7108% | 1,413 |
Retained earnings to average equity (ytd only) | 11.7108% | 366 |
Net charge-offs to loans | -0.0415% | 5,289 |
Credit loss provision to net charge-offs | -293.4708% | 4,809 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 45.0670% | 5,790 |
Assets per employee ($millions) | 12.2905% | 144 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.5615% | 5,732 |
Loan loss allowance to noncurrent loans | 128.5164% | 3,179 |
Noncurrent assets plus other real estate owned to assets | 0.6875% | 2,920 |
Noncurrent loans to loans | 0.4369% | 3,801 |
Net loans and leases to total assets | 73.9181% | 1,858 |
Net loans and leases to deposits | 92.2048% | 1,486 |
Net loans and leases to core deposits | 114.6514% | 698 |
Total domestic deposits to total assets | 80.1673% | 4,502 |
Equity capital to assets | 10.3772% | 3,761 |
Core capital (leverage) ratio | 9.6134% | 4,048 |
Tier 1 risk-based capital ratio | 11.1363% | 5,340 |
Total risk-based capital ratio | 11.1831% | 5,822 |
Memoranda: | ||
Average total assets | $7,638,065,330 | 151 |
Average earning assets | $7,050,933,000 | 146 |
Average equity | $804,319,330 | 165 |
Average total loans | $5,614,259,330 | 142 |
2016-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3096% | 2,098 |
Cost of funding earning assets | 0.6465% | 1,075 |
Net interest margin | 3.6631% | 2,836 |
Noninterest income to average assets | 0.3630% | 4,123 |
Noninterest expense to average assets | 1.7369% | 5,719 |
Loan and lease loss provision to assets | 0.0776% | 2,409 |
Net operating income to assets | 1.2261% | 1,471 |
Return on assets (ROA) | 1.2369% | 1,536 |
Pretax return on assets | 1.9357% | 646 |
Return on Equity (ROE) | 11.6540% | 1,410 |
Retained earnings to average equity (ytd only) | 11.6540% | 555 |
Net charge-offs to loans | -0.1055% | 5,659 |
Credit loss provision to net charge-offs | -100.7698% | 4,241 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 45.9769% | 5,814 |
Assets per employee ($millions) | 11.8761% | 161 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.5668% | 5,796 |
Loan loss allowance to noncurrent loans | 107.2398% | 3,494 |
Noncurrent assets plus other real estate owned to assets | 0.9547% | 2,317 |
Noncurrent loans to loans | 0.5286% | 3,604 |
Net loans and leases to total assets | 73.0437% | 1,878 |
Net loans and leases to deposits | 94.9569% | 1,047 |
Net loans and leases to core deposits | 115.4845% | 613 |
Total domestic deposits to total assets | 76.9231% | 5,297 |
Equity capital to assets | 10.4256% | 3,580 |
Core capital (leverage) ratio | 9.5368% | 4,122 |
Tier 1 risk-based capital ratio | 11.1006% | 5,451 |
Total risk-based capital ratio | 11.1006% | 5,915 |
Memoranda: | ||
Average total assets | $7,419,655,500 | 155 |
Average earning assets | $6,826,562,500 | 152 |
Average equity | $787,506,500 | 167 |
Average total loans | $5,420,134,000 | 148 |
2015-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1034% | 2,901 |
Cost of funding earning assets | 0.5238% | 1,967 |
Net interest margin | 3.5796% | 3,210 |
Noninterest income to average assets | -0.3450% | 6,171 |
Noninterest expense to average assets | 1.8827% | 5,635 |
Loan and lease loss provision to assets | 0.1060% | 2,218 |
Net operating income to assets | 0.7933% | 3,365 |
Return on assets (ROA) | 0.8096% | 3,377 |
Pretax return on assets | 0.9425% | 3,685 |
Return on Equity (ROE) | 7.0978% | 3,463 |
Retained earnings to average equity (ytd only) | 7.0978% | 1,240 |
Net charge-offs to loans | 0.0128% | 4,043 |
Credit loss provision to net charge-offs | 1,182.4957% | 286 |
Earnings coverage of net charge-offs (x) | 114.8943% | 522 |
Efficiency ratio | 63.7791% | 4,316 |
Assets per employee ($millions) | 11.0254% | 197 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.5606% | 5,855 |
Loan loss allowance to noncurrent loans | 80.6144% | 4,133 |
Noncurrent assets plus other real estate owned to assets | 1.0547% | 2,082 |
Noncurrent loans to loans | 0.6954% | 3,111 |
Net loans and leases to total assets | 72.2047% | 2,014 |
Net loans and leases to deposits | 94.9782% | 1,114 |
Net loans and leases to core deposits | 115.4069% | 620 |
Total domestic deposits to total assets | 76.0224% | 5,440 |
Equity capital to assets | 10.8159% | 3,009 |
Core capital (leverage) ratio | 9.9168% | 3,622 |
Tier 1 risk-based capital ratio | 11.6387% | 5,171 |
Total risk-based capital ratio | 11.6387% | 5,746 |
Memoranda: | ||
Average total assets | $6,439,237,000 | 162 |
Average earning assets | $5,859,480,400 | 159 |
Average equity | $734,486,000 | 168 |
Average total loans | $4,517,513,600 | 165 |
2015-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0291% | 3,216 |
Cost of funding earning assets | 0.5104% | 2,118 |
Net interest margin | 3.5188% | 3,470 |
Noninterest income to average assets | -0.6589% | 6,261 |
Noninterest expense to average assets | 1.9059% | 5,630 |
Loan and lease loss provision to assets | 0.0957% | 2,259 |
Net operating income to assets | 0.5063% | 4,762 |
Return on assets (ROA) | 0.5315% | 4,770 |
Pretax return on assets | 0.5581% | 5,076 |
Return on Equity (ROE) | 4.5920% | 4,799 |
Retained earnings to average equity (ytd only) | 4.5920% | 3,205 |
Net charge-offs to loans | -0.0006% | 4,652 |
Credit loss provision to net charge-offs | -22,470.0000% | 5,758 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 74.2040% | 2,520 |
Assets per employee ($millions) | 10.4721% | 228 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.5697% | 5,938 |
Loan loss allowance to noncurrent loans | 48.8934% | 4,978 |
Noncurrent assets plus other real estate owned to assets | 1.4366% | 1,587 |
Noncurrent loans to loans | 1.1651% | 2,192 |
Net loans and leases to total assets | 71.2285% | 2,187 |
Net loans and leases to deposits | 98.9926% | 728 |
Net loans and leases to core deposits | 119.4577% | 490 |
Total domestic deposits to total assets | 71.9534% | 5,862 |
Equity capital to assets | 11.2216% | 2,778 |
Core capital (leverage) ratio | 10.2691% | 3,281 |
Tier 1 risk-based capital ratio | 12.2143% | 4,952 |
Total risk-based capital ratio | 12.7466% | 5,299 |
Memoranda: | ||
Average total assets | $6,260,181,750 | 168 |
Average earning assets | $5,678,991,250 | 162 |
Average equity | $724,626,500 | 170 |
Average total loans | $4,347,966,750 | 169 |
2015-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9403% | 3,530 |
Cost of funding earning assets | 0.4939% | 2,308 |
Net interest margin | 3.4464% | 3,726 |
Noninterest income to average assets | -1.2845% | 6,342 |
Noninterest expense to average assets | 1.9651% | 5,600 |
Loan and lease loss provision to assets | 0.1250% | 1,770 |
Net operating income to assets | 0.0935% | 5,882 |
Return on assets (ROA) | 0.1161% | 5,902 |
Pretax return on assets | -0.2205% | 6,113 |
Return on Equity (ROE) | 0.9921% | 5,903 |
Retained earnings to average equity (ytd only) | 0.9921% | 5,173 |
Net charge-offs to loans | -0.0165% | 5,106 |
Credit loss provision to net charge-offs | -1,100.5764% | 5,370 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 105.6503% | 223 |
Assets per employee ($millions) | 10.1110% | 253 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.5967% | 5,979 |
Loan loss allowance to noncurrent loans | 41.8714% | 5,218 |
Noncurrent assets plus other real estate owned to assets | 1.6678% | 1,432 |
Noncurrent loans to loans | 1.4251% | 1,879 |
Net loans and leases to total assets | 70.0631% | 2,304 |
Net loans and leases to deposits | 100.7892% | 606 |
Net loans and leases to core deposits | 117.9649% | 530 |
Total domestic deposits to total assets | 69.5145% | 6,053 |
Equity capital to assets | 11.4040% | 2,494 |
Core capital (leverage) ratio | 10.6530% | 2,784 |
Tier 1 risk-based capital ratio | 12.9658% | 4,538 |
Total risk-based capital ratio | 13.5398% | 4,846 |
Memoranda: | ||
Average total assets | $6,109,362,000 | 169 |
Average earning assets | $5,528,529,000 | 165 |
Average equity | $715,079,330 | 171 |
Average total loans | $4,194,386,000 | 172 |
2015-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0130% | 3,185 |
Cost of funding earning assets | 0.4888% | 2,390 |
Net interest margin | 3.5242% | 3,326 |
Noninterest income to average assets | -3.6408% | 6,416 |
Noninterest expense to average assets | 1.9761% | 5,626 |
Loan and lease loss provision to assets | 0.0908% | 2,176 |
Net operating income to assets | -1.1177% | 6,330 |
Return on assets (ROA) | -1.0964% | 6,331 |
Pretax return on assets | -2.5026% | 6,378 |
Return on Equity (ROE) | -9.2392% | 6,312 |
Retained earnings to average equity (ytd only) | -9.2392% | 6,114 |
Net charge-offs to loans | -0.0281% | 5,215 |
Credit loss provision to net charge-offs | -477.0318% | 4,809 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | -415.2545% | 6,419 |
Assets per employee ($millions) | 9.7801% | 276 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.5949% | 6,070 |
Loan loss allowance to noncurrent loans | 47.9922% | 5,074 |
Noncurrent assets plus other real estate owned to assets | 2.0795% | 1,117 |
Noncurrent loans to loans | 1.2396% | 2,306 |
Net loans and leases to total assets | 67.5476% | 2,521 |
Net loans and leases to deposits | 96.5388% | 796 |
Net loans and leases to core deposits | 111.8035% | 665 |
Total domestic deposits to total assets | 69.9694% | 6,130 |
Equity capital to assets | 11.8729% | 2,129 |
Core capital (leverage) ratio | 10.7472% | 2,693 |
Tier 1 risk-based capital ratio | 13.4344% | 4,358 |
Total risk-based capital ratio | 13.9931% | 4,683 |
Memoranda: | ||
Average total assets | $5,948,756,000 | 169 |
Average earning assets | $5,354,028,000 | 167 |
Average equity | $705,948,000 | 170 |
Average total loans | $4,025,327,000 | 173 |
2014-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2097% | 2,922 |
Cost of funding earning assets | 0.5989% | 1,764 |
Net interest margin | 3.6108% | 3,375 |
Noninterest income to average assets | 0.0584% | 6,272 |
Noninterest expense to average assets | 2.2129% | 5,323 |
Loan and lease loss provision to assets | 0.1948% | 1,311 |
Net operating income to assets | 0.5413% | 4,633 |
Return on assets (ROA) | 0.6911% | 4,054 |
Pretax return on assets | 1.1246% | 2,989 |
Return on Equity (ROE) | 5.8260% | 4,242 |
Retained earnings to average equity (ytd only) | 5.8260% | 2,040 |
Net charge-offs to loans | 0.0657% | 3,544 |
Credit loss provision to net charge-offs | 488.6927% | 535 |
Earnings coverage of net charge-offs (x) | 27.2257% | 1,440 |
Efficiency ratio | 66.1052% | 4,227 |
Assets per employee ($millions) | 9.1440% | 318 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.5821% | 6,164 |
Loan loss allowance to noncurrent loans | 27.9389% | 5,694 |
Noncurrent assets plus other real estate owned to assets | 2.6812% | 832 |
Noncurrent loans to loans | 2.0836% | 1,307 |
Net loans and leases to total assets | 66.9781% | 2,731 |
Net loans and leases to deposits | 97.4638% | 793 |
Net loans and leases to core deposits | 112.5753% | 666 |
Total domestic deposits to total assets | 68.7210% | 6,245 |
Equity capital to assets | 11.8612% | 2,120 |
Core capital (leverage) ratio | 10.4168% | 3,043 |
Tier 1 risk-based capital ratio | 13.8935% | 4,167 |
Total risk-based capital ratio | 14.4533% | 4,507 |
Memoranda: | ||
Average total assets | $5,257,295,200 | 179 |
Average earning assets | $4,717,372,800 | 178 |
Average equity | $623,614,400 | 174 |
Average total loans | $3,190,499,800 | 192 |
2014-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1789% | 3,065 |
Cost of funding earning assets | 0.6287% | 1,609 |
Net interest margin | 3.5502% | 3,628 |
Noninterest income to average assets | -0.0017% | 6,492 |
Noninterest expense to average assets | 2.2741% | 5,168 |
Loan and lease loss provision to assets | 0.1859% | 1,317 |
Net operating income to assets | 0.4273% | 5,150 |
Return on assets (ROA) | 0.5937% | 4,558 |
Pretax return on assets | 0.9833% | 3,657 |
Return on Equity (ROE) | 5.0052% | 4,717 |
Retained earnings to average equity (ytd only) | 5.0052% | 3,078 |
Net charge-offs to loans | 0.0632% | 3,305 |
Credit loss provision to net charge-offs | 500.7725% | 566 |
Earnings coverage of net charge-offs (x) | 24.4873% | 1,543 |
Efficiency ratio | 70.3839% | 3,443 |
Assets per employee ($millions) | 9.4116% | 288 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.5742% | 6,256 |
Loan loss allowance to noncurrent loans | 23.7258% | 5,869 |
Noncurrent assets plus other real estate owned to assets | 2.7771% | 887 |
Noncurrent loans to loans | 2.4200% | 1,229 |
Net loans and leases to total assets | 59.6947% | 3,843 |
Net loans and leases to deposits | 87.8132% | 1,696 |
Net loans and leases to core deposits | 93.4235% | 1,922 |
Total domestic deposits to total assets | 67.9792% | 6,351 |
Equity capital to assets | 11.4088% | 2,570 |
Core capital (leverage) ratio | 10.5501% | 2,979 |
Tier 1 risk-based capital ratio | 14.0441% | 4,178 |
Total risk-based capital ratio | 14.5610% | 4,604 |
Memoranda: | ||
Average total assets | $5,113,150,500 | 183 |
Average earning assets | $4,587,207,750 | 178 |
Average equity | $606,526,750 | 175 |
Average total loans | $3,005,550,500 | 195 |
2014-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1985% | 2,956 |
Cost of funding earning assets | 0.6387% | 1,601 |
Net interest margin | 3.5598% | 3,530 |
Noninterest income to average assets | 0.0499% | 6,447 |
Noninterest expense to average assets | 2.4331% | 4,791 |
Loan and lease loss provision to assets | 0.1787% | 1,373 |
Net operating income to assets | 0.4182% | 5,145 |
Return on assets (ROA) | 0.6069% | 4,420 |
Pretax return on assets | 0.9179% | 3,816 |
Return on Equity (ROE) | 5.0379% | 4,657 |
Retained earnings to average equity (ytd only) | 5.0379% | 2,939 |
Net charge-offs to loans | 0.0833% | 2,856 |
Credit loss provision to net charge-offs | 368.1702% | 738 |
Earnings coverage of net charge-offs (x) | 16.7021% | 1,774 |
Efficiency ratio | 73.9124% | 2,987 |
Assets per employee ($millions) | 8.5144% | 393 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.5477% | 6,363 |
Loan loss allowance to noncurrent loans | 17.0424% | 6,029 |
Noncurrent assets plus other real estate owned to assets | 3.3389% | 724 |
Noncurrent loans to loans | 3.2139% | 878 |
Net loans and leases to total assets | 58.3154% | 3,949 |
Net loans and leases to deposits | 81.8678% | 2,268 |
Net loans and leases to core deposits | 87.7207% | 2,338 |
Total domestic deposits to total assets | 71.2311% | 6,304 |
Equity capital to assets | 11.8237% | 2,129 |
Core capital (leverage) ratio | 10.7572% | 2,663 |
Tier 1 risk-based capital ratio | 14.3710% | 4,014 |
Total risk-based capital ratio | 14.8595% | 4,456 |
Memoranda: | ||
Average total assets | $4,841,103,670 | 188 |
Average earning assets | $4,343,610,670 | 187 |
Average equity | $583,215,670 | 181 |
Average total loans | $2,820,763,330 | 204 |
2014-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3701% | 2,268 |
Cost of funding earning assets | 0.6555% | 1,554 |
Net interest margin | 3.7145% | 2,810 |
Noninterest income to average assets | 0.0007% | 6,594 |
Noninterest expense to average assets | 2.8121% | 3,521 |
Loan and lease loss provision to assets | 0.0975% | 2,297 |
Net operating income to assets | 0.2771% | 5,576 |
Return on assets (ROA) | 0.4228% | 5,098 |
Pretax return on assets | 0.6395% | 4,695 |
Return on Equity (ROE) | 3.4698% | 5,290 |
Retained earnings to average equity (ytd only) | 3.4698% | 4,054 |
Net charge-offs to loans | 0.0508% | 2,674 |
Credit loss provision to net charge-offs | 330.6061% | 752 |
Earnings coverage of net charge-offs (x) | 17.5061% | 1,456 |
Efficiency ratio | 83.3763% | 1,747 |
Assets per employee ($millions) | 7.8167% | 529 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.5273% | 6,480 |
Loan loss allowance to noncurrent loans | 14.8809% | 6,141 |
Noncurrent assets plus other real estate owned to assets | 3.7525% | 669 |
Noncurrent loans to loans | 3.5435% | 816 |
Net loans and leases to total assets | 57.6158% | 3,913 |
Net loans and leases to deposits | 77.9863% | 2,560 |
Net loans and leases to core deposits | 83.7509% | 2,545 |
Total domestic deposits to total assets | 73.8795% | 6,251 |
Equity capital to assets | 12.0521% | 1,837 |
Core capital (leverage) ratio | 11.2413% | 2,184 |
Tier 1 risk-based capital ratio | 14.8837% | 3,770 |
Total risk-based capital ratio | 15.3610% | 4,205 |
Memoranda: | ||
Average total assets | $4,477,433,000 | 202 |
Average earning assets | $4,010,843,000 | 199 |
Average equity | $545,624,000 | 188 |
Average total loans | $2,598,573,000 | 214 |
2013-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4924% | 2,238 |
Cost of funding earning assets | 0.7321% | 1,614 |
Net interest margin | 3.7603% | 2,801 |
Noninterest income to average assets | -0.0056% | 6,668 |
Noninterest expense to average assets | 2.6984% | 4,098 |
Loan and lease loss provision to assets | 0.0839% | 3,438 |
Net operating income to assets | 0.3621% | 5,289 |
Return on assets (ROA) | 0.5219% | 4,766 |
Pretax return on assets | 0.8531% | 3,949 |
Return on Equity (ROE) | 3.9612% | 5,132 |
Retained earnings to average equity (ytd only) | 3.9612% | 3,384 |
Net charge-offs to loans | 0.4140% | 1,617 |
Credit loss provision to net charge-offs | 40.8696% | 4,026 |
Earnings coverage of net charge-offs (x) | 3.3494% | 3,881 |
Efficiency ratio | 78.4006% | 2,401 |
Assets per employee ($millions) | 7.0323% | 750 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.6523% | 6,416 |
Loan loss allowance to noncurrent loans | 22.7081% | 6,118 |
Noncurrent assets plus other real estate owned to assets | 2.5648% | 1,326 |
Noncurrent loans to loans | 2.8723% | 1,226 |
Net loans and leases to total assets | 57.8090% | 4,069 |
Net loans and leases to deposits | 76.5420% | 2,912 |
Net loans and leases to core deposits | 82.3965% | 2,849 |
Total domestic deposits to total assets | 75.5258% | 6,138 |
Equity capital to assets | 12.3612% | 1,586 |
Core capital (leverage) ratio | 12.0246% | 1,587 |
Tier 1 risk-based capital ratio | 16.6996% | 2,762 |
Total risk-based capital ratio | 17.2840% | 3,034 |
Memoranda: | ||
Average total assets | $3,474,173,000 | 225 |
Average earning assets | $3,133,330,800 | 220 |
Average equity | $457,716,400 | 209 |
Average total loans | $1,722,029,800 | 280 |
2013-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5157% | 2,173 |
Cost of funding earning assets | 0.7458% | 1,632 |
Net interest margin | 3.7699% | 2,752 |
Noninterest income to average assets | -0.0262% | 6,779 |
Noninterest expense to average assets | 2.7780% | 3,737 |
Loan and lease loss provision to assets | 0.0371% | 4,271 |
Net operating income to assets | 0.3269% | 5,503 |
Return on assets (ROA) | 0.4447% | 5,189 |
Pretax return on assets | 0.7384% | 4,546 |
Return on Equity (ROE) | 3.3163% | 5,492 |
Retained earnings to average equity (ytd only) | 3.3163% | 4,316 |
Net charge-offs to loans | 0.5715% | 1,104 |
Credit loss provision to net charge-offs | 13.7820% | 4,167 |
Earnings coverage of net charge-offs (x) | 2.1979% | 4,107 |
Efficiency ratio | 81.0868% | 1,957 |
Assets per employee ($millions) | 6.3374% | 1,012 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.7059% | 6,429 |
Loan loss allowance to noncurrent loans | 16.2557% | 6,309 |
Noncurrent assets plus other real estate owned to assets | 3.5867% | 928 |
Noncurrent loans to loans | 4.3427% | 772 |
Net loans and leases to total assets | 51.9332% | 4,883 |
Net loans and leases to deposits | 67.3637% | 4,135 |
Net loans and leases to core deposits | 72.1634% | 4,069 |
Total domestic deposits to total assets | 77.0938% | 6,035 |
Equity capital to assets | 12.8250% | 1,409 |
Core capital (leverage) ratio | 11.9320% | 1,713 |
Tier 1 risk-based capital ratio | 17.4524% | 2,522 |
Total risk-based capital ratio | 18.0372% | 2,766 |
Memoranda: | ||
Average total assets | $3,372,257,000 | 225 |
Average earning assets | $3,037,433,250 | 222 |
Average equity | $452,185,250 | 209 |
Average total loans | $1,587,841,250 | 299 |
2013-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6086% | 1,825 |
Cost of funding earning assets | 0.7421% | 1,750 |
Net interest margin | 3.8665% | 2,318 |
Noninterest income to average assets | 0.0315% | 6,723 |
Noninterest expense to average assets | 2.8835% | 3,384 |
Loan and lease loss provision to assets | 0.0946% | 3,210 |
Net operating income to assets | 0.3115% | 5,566 |
Return on assets (ROA) | 0.4082% | 5,350 |
Pretax return on assets | 0.6778% | 4,752 |
Return on Equity (ROE) | 2.9978% | 5,625 |
Retained earnings to average equity (ytd only) | 2.9978% | 4,412 |
Net charge-offs to loans | 0.6351% | 1,034 |
Credit loss provision to net charge-offs | 32.9483% | 3,540 |
Earnings coverage of net charge-offs (x) | 2.1627% | 3,806 |
Efficiency ratio | 80.9105% | 2,035 |
Assets per employee ($millions) | 6.0890% | 1,140 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9516% | 5,987 |
Loan loss allowance to noncurrent loans | 14.7644% | 6,382 |
Noncurrent assets plus other real estate owned to assets | 4.3862% | 755 |
Noncurrent loans to loans | 6.4453% | 407 |
Net loans and leases to total assets | 47.5015% | 5,372 |
Net loans and leases to deposits | 62.1340% | 4,725 |
Net loans and leases to core deposits | 66.1167% | 4,675 |
Total domestic deposits to total assets | 76.4500% | 6,200 |
Equity capital to assets | 13.0908% | 1,313 |
Core capital (leverage) ratio | 12.4371% | 1,395 |
Tier 1 risk-based capital ratio | 19.2003% | 1,938 |
Total risk-based capital ratio | 19.9799% | 2,040 |
Memoranda: | ||
Average total assets | $3,315,475,000 | 227 |
Average earning assets | $2,978,300,330 | 225 |
Average equity | $451,467,670 | 210 |
Average total loans | $1,499,499,330 | 306 |
2013-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7108% | 1,504 |
Cost of funding earning assets | 0.7412% | 1,913 |
Net interest margin | 3.9697% | 1,892 |
Noninterest income to average assets | 0.0243% | 6,800 |
Noninterest expense to average assets | 2.9340% | 3,214 |
Loan and lease loss provision to assets | 0.1350% | 2,554 |
Net operating income to assets | 0.2937% | 5,592 |
Return on assets (ROA) | 0.4023% | 5,268 |
Pretax return on assets | 0.6681% | 4,711 |
Return on Equity (ROE) | 2.8952% | 5,630 |
Retained earnings to average equity (ytd only) | 2.8952% | 4,550 |
Net charge-offs to loans | 0.9653% | 633 |
Credit loss provision to net charge-offs | 31.9534% | 2,863 |
Earnings coverage of net charge-offs (x) | 1.4988% | 3,330 |
Efficiency ratio | 80.8240% | 2,204 |
Assets per employee ($millions) | 6.0031% | 1,250 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1215% | 5,520 |
Loan loss allowance to noncurrent loans | 14.2070% | 6,452 |
Noncurrent assets plus other real estate owned to assets | 5.0603% | 721 |
Noncurrent loans to loans | 7.8937% | 341 |
Net loans and leases to total assets | 45.0217% | 5,541 |
Net loans and leases to deposits | 59.9190% | 4,800 |
Net loans and leases to core deposits | 63.7602% | 4,769 |
Total domestic deposits to total assets | 75.1376% | 6,444 |
Equity capital to assets | 13.9533% | 1,042 |
Core capital (leverage) ratio | 12.7054% | 1,246 |
Tier 1 risk-based capital ratio | 20.1703% | 1,727 |
Total risk-based capital ratio | 21.0075% | 1,803 |
Memoranda: | ||
Average total assets | $3,246,992,000 | 235 |
Average earning assets | $2,898,085,000 | 233 |
Average equity | $451,225,000 | 213 |
Average total loans | $1,421,391,000 | 325 |
2012-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0078% | 1,540 |
Cost of funding earning assets | 0.9255% | 1,784 |
Net interest margin | 4.0822% | 2,076 |
Noninterest income to average assets | 0.1920% | 6,033 |
Noninterest expense to average assets | 3.1581% | 2,742 |
Loan and lease loss provision to assets | 0.7742% | 638 |
Net operating income to assets | -0.1050% | 6,290 |
Return on assets (ROA) | -0.0540% | 6,351 |
Pretax return on assets | -0.0728% | 6,344 |
Return on Equity (ROE) | -0.4167% | 6,342 |
Retained earnings to average equity (ytd only) | -0.4167% | 5,925 |
Net charge-offs to loans | 1.9329% | 386 |
Credit loss provision to net charge-offs | 105.4160% | 2,823 |
Earnings coverage of net charge-offs (x) | 0.8613% | 5,045 |
Efficiency ratio | 81.9005% | 1,874 |
Assets per employee ($millions) | 6.1838% | 1,175 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3920% | 4,206 |
Loan loss allowance to noncurrent loans | 18.6074% | 6,423 |
Noncurrent assets plus other real estate owned to assets | 4.9255% | 792 |
Noncurrent loans to loans | 7.4807% | 407 |
Net loans and leases to total assets | 41.4269% | 6,056 |
Net loans and leases to deposits | 54.5449% | 5,604 |
Net loans and leases to core deposits | 57.5617% | 5,587 |
Total domestic deposits to total assets | 75.9500% | 6,360 |
Equity capital to assets | 13.8399% | 1,104 |
Core capital (leverage) ratio | 12.0913% | 1,520 |
Tier 1 risk-based capital ratio | 21.1943% | 1,420 |
Total risk-based capital ratio | 22.2084% | 1,444 |
Memoranda: | ||
Average total assets | $3,371,443,600 | 229 |
Average earning assets | $2,972,063,600 | 227 |
Average equity | $437,212,200 | 218 |
Average total loans | $1,280,968,800 | 341 |
2012-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9906% | 1,712 |
Cost of funding earning assets | 0.9508% | 1,847 |
Net interest margin | 4.0399% | 2,340 |
Noninterest income to average assets | 0.2779% | 5,554 |
Noninterest expense to average assets | 3.2107% | 2,532 |
Loan and lease loss provision to assets | 0.9724% | 427 |
Net operating income to assets | -0.2309% | 6,516 |
Return on assets (ROA) | -0.1745% | 6,552 |
Pretax return on assets | -0.2681% | 6,582 |
Return on Equity (ROE) | -1.3674% | 6,528 |
Retained earnings to average equity (ytd only) | -1.3674% | 6,318 |
Net charge-offs to loans | 2.1752% | 311 |
Credit loss provision to net charge-offs | 120.6942% | 2,398 |
Earnings coverage of net charge-offs (x) | 0.7665% | 4,942 |
Efficiency ratio | 82.4683% | 1,758 |
Assets per employee ($millions) | 6.3086% | 1,062 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5954% | 3,535 |
Loan loss allowance to noncurrent loans | 12.6423% | 6,629 |
Noncurrent assets plus other real estate owned to assets | 6.6068% | 559 |
Noncurrent loans to loans | 12.6194% | 150 |
Net loans and leases to total assets | 39.6641% | 6,313 |
Net loans and leases to deposits | 52.2088% | 5,963 |
Net loans and leases to core deposits | 55.2569% | 5,943 |
Total domestic deposits to total assets | 75.9721% | 6,384 |
Equity capital to assets | 13.0863% | 1,554 |
Core capital (leverage) ratio | 11.6090% | 1,906 |
Tier 1 risk-based capital ratio | 20.8478% | 1,568 |
Total risk-based capital ratio | 22.0097% | 1,549 |
Memoranda: | ||
Average total assets | $3,404,224,000 | 227 |
Average earning assets | $2,991,719,000 | 227 |
Average equity | $434,401,000 | 221 |
Average total loans | $1,260,882,500 | 350 |
2012-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9676% | 1,879 |
Cost of funding earning assets | 0.9704% | 1,932 |
Net interest margin | 3.9972% | 2,517 |
Noninterest income to average assets | 0.4893% | 3,994 |
Noninterest expense to average assets | 3.6766% | 1,421 |
Loan and lease loss provision to assets | 0.9468% | 479 |
Net operating income to assets | -0.3893% | 6,674 |
Return on assets (ROA) | -0.3690% | 6,709 |
Pretax return on assets | -0.6072% | 6,779 |
Return on Equity (ROE) | -2.9169% | 6,669 |
Retained earnings to average equity (ytd only) | -2.9169% | 6,453 |
Net charge-offs to loans | 2.0171% | 409 |
Credit loss provision to net charge-offs | 130.5556% | 2,102 |
Earnings coverage of net charge-offs (x) | 0.4245% | 4,864 |
Efficiency ratio | 90.8998% | 1,007 |
Assets per employee ($millions) | 6.3447% | 1,038 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6498% | 3,427 |
Loan loss allowance to noncurrent loans | 10.5984% | 6,696 |
Noncurrent assets plus other real estate owned to assets | 7.4547% | 490 |
Noncurrent loans to loans | 15.5667% | 90 |
Net loans and leases to total assets | 37.1329% | 6,539 |
Net loans and leases to deposits | 49.2707% | 6,221 |
Net loans and leases to core deposits | 52.3260% | 6,211 |
Total domestic deposits to total assets | 75.3651% | 6,549 |
Equity capital to assets | 12.5846% | 1,760 |
Core capital (leverage) ratio | 11.5838% | 1,845 |
Tier 1 risk-based capital ratio | 21.4939% | 1,389 |
Total risk-based capital ratio | 22.6738% | 1,378 |
Memoranda: | ||
Average total assets | $3,405,515,000 | 229 |
Average earning assets | $2,977,722,670 | 228 |
Average equity | $430,874,330 | 221 |
Average total loans | $1,224,315,000 | 361 |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9676% | 2,007 |
Cost of funding earning assets | 0.9776% | 2,120 |
Net interest margin | 3.9900% | 2,553 |
Noninterest income to average assets | 0.2723% | 5,693 |
Noninterest expense to average assets | 3.7830% | 1,233 |
Loan and lease loss provision to assets | 0.7643% | 657 |
Net operating income to assets | -0.4852% | 6,820 |
Return on assets (ROA) | -0.4743% | 6,840 |
Pretax return on assets | -0.7887% | 6,929 |
Return on Equity (ROE) | -3.7385% | 6,792 |
Retained earnings to average equity (ytd only) | -3.7385% | 6,468 |
Net charge-offs to loans | 2.2237% | 399 |
Credit loss provision to net charge-offs | 98.0929% | 2,404 |
Earnings coverage of net charge-offs (x) | -0.0531% | 4,390 |
Efficiency ratio | 99.5934% | 565 |
Assets per employee ($millions) | 6.4511% | 1,008 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4482% | 4,383 |
Loan loss allowance to noncurrent loans | 8.4130% | 6,761 |
Noncurrent assets plus other real estate owned to assets | 7.8467% | 497 |
Noncurrent loans to loans | 17.2136% | 79 |
Net loans and leases to total assets | 34.6648% | 6,706 |
Net loans and leases to deposits | 46.1289% | 6,420 |
Net loans and leases to core deposits | 49.0696% | 6,390 |
Total domestic deposits to total assets | 75.1477% | 6,628 |
Equity capital to assets | 12.6493% | 1,626 |
Core capital (leverage) ratio | 11.7077% | 1,764 |
Tier 1 risk-based capital ratio | 22.3189% | 1,238 |
Total risk-based capital ratio | 23.3174% | 1,245 |
Memoranda: | ||
Average total assets | $3,392,041,000 | 230 |
Average earning assets | $2,949,369,500 | 227 |
Average equity | $430,330,000 | 215 |
Average total loans | $1,188,495,000 | 368 |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9082% | 6,603 |
Cost of funding earning assets | 0.9920% | 3,436 |
Net interest margin | 2.9161% | 6,664 |
Noninterest income to average assets | 1.4211% | 646 |
Noninterest expense to average assets | 3.7303% | 1,478 |
Loan and lease loss provision to assets | 1.1312% | 799 |
Net operating income to assets | -0.4534% | 6,454 |
Return on assets (ROA) | -0.4030% | 6,468 |
Pretax return on assets | -0.8112% | 6,650 |
Return on Equity (ROE) | -3.0517% | 6,412 |
Retained earnings to average equity (ytd only) | -3.0517% | 6,278 |
Net charge-offs to loans | 2.8462% | 366 |
Credit loss provision to net charge-offs | 133.9516% | 2,259 |
Earnings coverage of net charge-offs (x) | 0.2859% | 5,612 |
Efficiency ratio | 92.5396% | 1,013 |
Assets per employee ($millions) | 6.1847% | 1,112 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5052% | 3,996 |
Loan loss allowance to noncurrent loans | 8.4329% | 6,833 |
Noncurrent assets plus other real estate owned to assets | 8.3109% | 464 |
Noncurrent loans to loans | 17.8491% | 74 |
Net loans and leases to total assets | 34.3728% | 6,850 |
Net loans and leases to deposits | 45.8640% | 6,633 |
Net loans and leases to core deposits | 48.6338% | 6,611 |
Total domestic deposits to total assets | 74.9451% | 6,612 |
Equity capital to assets | 12.7245% | 1,643 |
Core capital (leverage) ratio | 11.6564% | 1,788 |
Tier 1 risk-based capital ratio | 22.6166% | 1,144 |
Total risk-based capital ratio | 23.6213% | 1,157 |
Memoranda: | ||
Average total assets | $2,994,238,600 | 241 |
Average earning assets | $2,618,901,000 | 242 |
Average equity | $395,451,400 | 221 |
Average total loans | $888,417,000 | 471 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6240% | 7,002 |
Cost of funding earning assets | 0.9795% | 3,822 |
Net interest margin | 2.6445% | 7,038 |
Noninterest income to average assets | 1.5655% | 537 |
Noninterest expense to average assets | 3.6322% | 1,644 |
Loan and lease loss provision to assets | 1.1061% | 740 |
Net operating income to assets | -0.4209% | 6,596 |
Return on assets (ROA) | -0.3855% | 6,623 |
Pretax return on assets | -0.7961% | 6,784 |
Return on Equity (ROE) | -2.8886% | 6,553 |
Retained earnings to average equity (ytd only) | -2.8886% | 6,405 |
Net charge-offs to loans | 3.5693% | 210 |
Credit loss provision to net charge-offs | 110.0320% | 3,000 |
Earnings coverage of net charge-offs (x) | 0.2533% | 5,404 |
Efficiency ratio | 92.0797% | 1,029 |
Assets per employee ($millions) | 5.9840% | 1,215 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9544% | 6,439 |
Loan loss allowance to noncurrent loans | 4.9383% | 6,940 |
Noncurrent assets plus other real estate owned to assets | 8.3516% | 513 |
Noncurrent loans to loans | 19.3258% | 61 |
Net loans and leases to total assets | 33.3199% | 6,987 |
Net loans and leases to deposits | 46.6855% | 6,705 |
Net loans and leases to core deposits | 49.7135% | 6,681 |
Total domestic deposits to total assets | 71.3710% | 6,971 |
Equity capital to assets | 12.3436% | 2,000 |
Core capital (leverage) ratio | 12.2413% | 1,568 |
Tier 1 risk-based capital ratio | 22.7265% | 1,182 |
Total risk-based capital ratio | 23.3655% | 1,243 |
Memoranda: | ||
Average total assets | $2,904,775,000 | 245 |
Average earning assets | $2,549,821,500 | 251 |
Average equity | $387,679,750 | 228 |
Average total loans | $818,067,000 | 514 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.2945% | 7,252 |
Cost of funding earning assets | 0.9690% | 4,178 |
Net interest margin | 2.3255% | 7,271 |
Noninterest income to average assets | 2.0350% | 354 |
Noninterest expense to average assets | 3.4880% | 2,011 |
Loan and lease loss provision to assets | 1.0800% | 764 |
Net operating income to assets | -0.1148% | 6,366 |
Return on assets (ROA) | -0.0722% | 6,375 |
Pretax return on assets | -0.4182% | 6,600 |
Return on Equity (ROE) | -0.5237% | 6,360 |
Retained earnings to average equity (ytd only) | -0.5237% | 5,968 |
Net charge-offs to loans | 4.5439% | 155 |
Credit loss provision to net charge-offs | 92.1023% | 3,400 |
Earnings coverage of net charge-offs (x) | 0.5075% | 4,925 |
Efficiency ratio | 84.2027% | 1,793 |
Assets per employee ($millions) | 6.2610% | 1,043 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.7986% | 6,872 |
Loan loss allowance to noncurrent loans | 4.1447% | 6,991 |
Noncurrent assets plus other real estate owned to assets | 7.6139% | 627 |
Noncurrent loans to loans | 19.2688% | 71 |
Net loans and leases to total assets | 30.8876% | 7,149 |
Net loans and leases to deposits | 40.3056% | 7,054 |
Net loans and leases to core deposits | 43.0056% | 7,040 |
Total domestic deposits to total assets | 76.6336% | 6,504 |
Equity capital to assets | 13.4798% | 1,308 |
Core capital (leverage) ratio | 13.7224% | 937 |
Tier 1 risk-based capital ratio | 29.2970% | 574 |
Total risk-based capital ratio | 29.8800% | 604 |
Memoranda: | ||
Average total assets | $2,708,145,000 | 269 |
Average earning assets | $2,385,017,000 | 267 |
Average equity | $373,117,670 | 234 |
Average total loans | $698,876,330 | 606 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.9079% | 7,416 |
Cost of funding earning assets | 0.9673% | 4,449 |
Net interest margin | 1.9407% | 7,423 |
Noninterest income to average assets | 2.4578% | 271 |
Noninterest expense to average assets | 3.3773% | 2,340 |
Loan and lease loss provision to assets | 0.5229% | 1,663 |
Net operating income to assets | 0.5177% | 4,417 |
Return on assets (ROA) | 0.6059% | 4,071 |
Pretax return on assets | 0.3709% | 5,426 |
Return on Equity (ROE) | 4.3391% | 4,732 |
Retained earnings to average equity (ytd only) | 4.3391% | 3,569 |
Net charge-offs to loans | 5.3110% | 137 |
Credit loss provision to net charge-offs | 43.8011% | 3,873 |
Earnings coverage of net charge-offs (x) | 0.6748% | 4,119 |
Efficiency ratio | 79.9686% | 2,543 |
Assets per employee ($millions) | 6.3984% | 973 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8057% | 6,908 |
Loan loss allowance to noncurrent loans | 3.6016% | 7,053 |
Noncurrent assets plus other real estate owned to assets | 6.5927% | 834 |
Noncurrent loans to loans | 22.3697% | 51 |
Net loans and leases to total assets | 23.3522% | 7,384 |
Net loans and leases to deposits | 29.9273% | 7,355 |
Net loans and leases to core deposits | 32.0279% | 7,354 |
Total domestic deposits to total assets | 78.0296% | 6,375 |
Equity capital to assets | 14.1139% | 976 |
Core capital (leverage) ratio | 13.9282% | 871 |
Tier 1 risk-based capital ratio | 36.8677% | 307 |
Total risk-based capital ratio | 37.3813% | 315 |
Memoranda: | ||
Average total assets | $2,500,087,000 | 285 |
Average earning assets | $2,222,338,500 | 288 |
Average equity | $349,104,000 | 237 |
Average total loans | $561,925,500 | 777 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.6158% | 7,536 |
Cost of funding earning assets | 0.8366% | 6,414 |
Net interest margin | 1.7792% | 7,504 |
Noninterest income to average assets | 2.7944% | 248 |
Noninterest expense to average assets | 3.0881% | 3,510 |
Loan and lease loss provision to assets | 0.4710% | 3,311 |
Net operating income to assets | 0.8587% | 2,557 |
Return on assets (ROA) | 1.1545% | 1,615 |
Pretax return on assets | 1.0434% | 2,799 |
Return on Equity (ROE) | 8.5201% | 2,489 |
Retained earnings to average equity (ytd only) | 8.5201% | 833 |
Net charge-offs to loans | 0.1712% | 5,296 |
Credit loss provision to net charge-offs | 1,175.4470% | 199 |
Earnings coverage of net charge-offs (x) | 30.4136% | 723 |
Efficiency ratio | 71.0302% | 3,987 |
Assets per employee ($millions) | 7.4352% | 610 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7208% | 3,132 |
Loan loss allowance to noncurrent loans | 6.4301% | 7,117 |
Noncurrent assets plus other real estate owned to assets | 6.6654% | 846 |
Noncurrent loans to loans | 26.7620% | 27 |
Net loans and leases to total assets | 21.0025% | 7,509 |
Net loans and leases to deposits | 27.0836% | 7,500 |
Net loans and leases to core deposits | 28.8841% | 7,486 |
Total domestic deposits to total assets | 77.5470% | 6,391 |
Equity capital to assets | 13.8078% | 1,099 |
Core capital (leverage) ratio | 13.6034% | 958 |
Tier 1 risk-based capital ratio | 49.1098% | 153 |
Total risk-based capital ratio | 50.3608% | 151 |
Memoranda: | ||
Average total assets | $2,093,934,750 | 336 |
Average earning assets | $1,779,895,250 | 350 |
Average equity | $283,739,500 | 266 |
Average total loans | $490,185,500 | 913 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.6942% | 7,660 |
Cost of funding earning assets | 0.8382% | 6,621 |
Net interest margin | 1.8560% | 7,615 |
Noninterest income to average assets | 2.7221% | 249 |
Noninterest expense to average assets | 2.4276% | 5,947 |
Loan and lease loss provision to assets | 0.0143% | 6,898 |
Net operating income to assets | 1.6035% | 743 |
Return on assets (ROA) | 1.7778% | 583 |
Pretax return on assets | 2.0302% | 583 |
Return on Equity (ROE) | 13.2240% | 1,201 |
Retained earnings to average equity (ytd only) | 13.2240% | 324 |
Net charge-offs to loans | 0.0379% | 6,179 |
Credit loss provision to net charge-offs | 155.8824% | 2,461 |
Earnings coverage of net charge-offs (x) | 201.0060% | 159 |
Efficiency ratio | 56.1678% | 6,531 |
Assets per employee ($millions) | 7.6682% | 575 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.0140% | 7,685 |
Loan loss allowance to noncurrent loans | 0.0605% | 7,255 |
Noncurrent assets plus other real estate owned to assets | 5.9328% | 1,012 |
Noncurrent loans to loans | 23.1152% | 45 |
Net loans and leases to total assets | 21.8056% | 7,599 |
Net loans and leases to deposits | 28.9590% | 7,580 |
Net loans and leases to core deposits | 30.7056% | 7,570 |
Total domestic deposits to total assets | 75.2980% | 6,769 |
Equity capital to assets | 13.7583% | 1,255 |
Core capital (leverage) ratio | 14.1592% | 890 |
Tier 1 risk-based capital ratio | 47.8541% | 162 |
Total risk-based capital ratio | 47.8650% | 167 |
Memoranda: | ||
Average total assets | $1,974,042,000 | 350 |
Average earning assets | $1,650,700,000 | 372 |
Average equity | $265,389,330 | 279 |
Average total loans | $478,799,330 | 945 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.2758% | 7,759 |
Cost of funding earning assets | 0.7089% | 7,175 |
Net interest margin | 1.5670% | 7,731 |
Noninterest income to average assets | 4.1441% | 161 |
Noninterest expense to average assets | 2.0723% | 6,974 |
Loan and lease loss provision to assets | 0.0138% | 6,777 |
Net operating income to assets | 3.2220% | 67 |
Return on assets (ROA) | 3.1898% | 76 |
Pretax return on assets | 3.3105% | 95 |
Return on Equity (ROE) | 24.1365% | 145 |
Retained earnings to average equity (ytd only) | 24.1365% | 52 |
Net charge-offs to loans | 0.0188% | 6,080 |
Credit loss provision to net charge-offs | 280.9524% | 1,316 |
Earnings coverage of net charge-offs (x) | 685.5476% | 45 |
Efficiency ratio | 38.0323% | 7,677 |
Assets per employee ($millions) | 7.0125% | 765 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.0137% | 7,758 |
Loan loss allowance to noncurrent loans | 0.0603% | 7,332 |
Noncurrent assets plus other real estate owned to assets | 6.5064% | 858 |
Noncurrent loans to loans | 22.7785% | 44 |
Net loans and leases to total assets | 23.9195% | 7,643 |
Net loans and leases to deposits | 34.0632% | 7,576 |
Net loans and leases to core deposits | 35.9669% | 7,571 |
Total domestic deposits to total assets | 70.2209% | 7,314 |
Equity capital to assets | 12.6647% | 1,701 |
Core capital (leverage) ratio | 18.4572% | 327 |
Tier 1 risk-based capital ratio | 54.9003% | 134 |
Total risk-based capital ratio | 54.9149% | 136 |
Memoranda: | ||
Average total assets | $1,714,975,500 | 397 |
Average earning assets | $1,407,573,000 | 437 |
Average equity | $226,644,000 | 311 |
Average total loans | $446,444,500 | 1,019 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.8541% | 7,827 |
Cost of funding earning assets | 0.9595% | 6,543 |
Net interest margin | 1.8946% | 7,755 |
Noninterest income to average assets | 10.4690% | 67 |
Noninterest expense to average assets | 2.9661% | 3,800 |
Loan and lease loss provision to assets | 0.0065% | 6,528 |
Net operating income to assets | 9.1419% | 20 |
Return on assets (ROA) | 9.1419% | 20 |
Pretax return on assets | 9.0247% | 30 |
Return on Equity (ROE) | 63.6706% | 14 |
Retained earnings to average equity (ytd only) | 63.6706% | 12 |
Net charge-offs to loans | 0.0000% | 5,609 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 24.7229% | 7,883 |
Assets per employee ($millions) | 5.4166% | 1,751 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.0053% | 7,859 |
Loan loss allowance to noncurrent loans | 0.0301% | 7,409 |
Noncurrent assets plus other real estate owned to assets | 6.2383% | 939 |
Noncurrent loans to loans | 17.6426% | 117 |
Net loans and leases to total assets | 30.4052% | 7,611 |
Net loans and leases to deposits | 38.4099% | 7,571 |
Net loans and leases to core deposits | 39.4586% | 7,591 |
Total domestic deposits to total assets | 79.1598% | 6,038 |
Equity capital to assets | 14.3581% | 1,047 |
Core capital (leverage) ratio | 14.0190% | 956 |
Tier 1 risk-based capital ratio | 69.4789% | 87 |
Total risk-based capital ratio | 69.4869% | 88 |
Memoranda: | ||
Average total assets | $1,115,827,000 | 603 |
Average earning assets | $900,030,000 | 680 |
Average equity | $160,212,000 | 429 |
Average total loans | $339,287,000 | 1,384 |