Home > Frontier Bank > Performance and Condition Ratios
Frontier Bank, Performance and Condition Ratios
| 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 | 5.0110% | 1,850 |
| Cost of funding earning assets | 0.6693% | 4,541 |
| Net interest margin | 4.3416% | 1,354 |
| Noninterest income to average assets | 0.2814% | 5,616 |
| Noninterest expense to average assets | 2.4164% | 5,418 |
| Loan and lease loss provision to assets | -1.9364% | 7,298 |
| Net operating income to assets | 3.7404% | 72 |
| Return on assets (ROA) | -2.3502% | 7,181 |
| Pretax return on assets | -2.3171% | 7,161 |
| Return on Equity (ROE) | -15.9349% | 7,074 |
| Retained earnings to average equity (ytd only) | -15.9349% | 6,990 |
| Net charge-offs to loans | 0.1891% | 2,968 |
| Credit loss provision to net charge-offs | -2,340.0000% | 6,088 |
| Earnings coverage of net charge-offs (x) | 22.2000% | 1,133 |
| Efficiency ratio | 56.8093% | 6,043 |
| Assets per employee ($millions) | 4.9522% | 2,312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7314% | 3,224 |
| Loan loss allowance to noncurrent loans | 457.1429% | 737 |
| Noncurrent assets plus other real estate owned to assets | 0.1414% | 6,537 |
| Noncurrent loans to loans | 0.3787% | 5,916 |
| Net loans and leases to total assets | 36.6746% | 6,580 |
| Net loans and leases to deposits | 43.0502% | 6,610 |
| Net loans and leases to core deposits | 43.0502% | 6,701 |
| Total domestic deposits to total assets | 85.1904% | 3,938 |
| Equity capital to assets | 14.6723% | 816 |
| Core capital (leverage) ratio | 15.0999% | 585 |
| Tier 1 risk-based capital ratio | 29.6013% | 542 |
| Total risk-based capital ratio | 30.8586% | 530 |
| Memoranda: | ||
| Average total assets | $24,168,500 | 7,096 |
| Average earning assets | $22,111,500 | 7,074 |
| Average equity | $3,564,500 | 6,831 |
| Average total loans | $10,577,500 | 7,040 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2261% | 1,959 |
| Cost of funding earning assets | 0.8454% | 4,500 |
| Net interest margin | 4.3807% | 1,445 |
| Noninterest income to average assets | 0.2750% | 5,563 |
| Noninterest expense to average assets | 2.4668% | 5,577 |
| Loan and lease loss provision to assets | 0.3385% | 2,987 |
| Net operating income to assets | 1.5656% | 721 |
| Return on assets (ROA) | 1.4048% | 1,104 |
| Pretax return on assets | 1.4090% | 1,754 |
| Return on Equity (ROE) | 9.2171% | 2,359 |
| Retained earnings to average equity (ytd only) | -0.4720% | 5,931 |
| Net charge-offs to loans | 0.9139% | 1,901 |
| Credit loss provision to net charge-offs | 51.9481% | 5,381 |
| Earnings coverage of net charge-offs (x) | 2.9286% | 3,741 |
| Efficiency ratio | 56.3830% | 6,266 |
| Assets per employee ($millions) | 5.8940% | 1,307 |
| Cash dividends to net income (ytd only)* | 105.1205% | 278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3670% | 1,510 |
| Loan loss allowance to noncurrent loans | 212.0301% | 1,557 |
| Noncurrent assets plus other real estate owned to assets | 0.7126% | 5,216 |
| Noncurrent loans to loans | 1.1163% | 4,486 |
| Net loans and leases to total assets | 49.3383% | 5,680 |
| Net loans and leases to deposits | 58.0874% | 5,685 |
| Net loans and leases to core deposits | 58.0874% | 5,993 |
| Total domestic deposits to total assets | 84.9381% | 3,886 |
| Equity capital to assets | 14.8286% | 820 |
| Core capital (leverage) ratio | 16.9460% | 366 |
| Tier 1 risk-based capital ratio | 25.5660% | 814 |
| Total risk-based capital ratio | 26.8172% | 794 |
| Memoranda: | ||
| Average total assets | $23,633,600 | 7,136 |
| Average earning assets | $22,119,800 | 7,104 |
| Average equity | $3,602,000 | 6,850 |
| Average total loans | $16,850,400 | 6,809 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2574% | 1,999 |
| Cost of funding earning assets | 0.8773% | 4,569 |
| Net interest margin | 4.3802% | 1,457 |
| Noninterest income to average assets | 0.2819% | 5,594 |
| Noninterest expense to average assets | 2.4695% | 5,565 |
| Loan and lease loss provision to assets | 0.2819% | 3,268 |
| Net operating income to assets | 1.6318% | 732 |
| Return on assets (ROA) | 1.4715% | 1,085 |
| Pretax return on assets | 1.5054% | 1,642 |
| Return on Equity (ROE) | 9.5905% | 2,353 |
| Retained earnings to average equity (ytd only) | 0.6248% | 5,766 |
| Net charge-offs to loans | 0.6267% | 2,372 |
| Credit loss provision to net charge-offs | 58.8235% | 4,835 |
| Earnings coverage of net charge-offs (x) | 4.0706% | 3,192 |
| Efficiency ratio | 55.8673% | 6,296 |
| Assets per employee ($millions) | 5.6000% | 1,503 |
| Cash dividends to net income (ytd only)* | 93.4883% | 379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6203% | 3,572 |
| Loan loss allowance to noncurrent loans | 156.8627% | 1,943 |
| Noncurrent assets plus other real estate owned to assets | 1.0670% | 4,640 |
| Noncurrent loans to loans | 1.0330% | 4,832 |
| Net loans and leases to total assets | 86.7366% | 113 |
| Net loans and leases to deposits | 103.7486% | 326 |
| Net loans and leases to core deposits | 103.7486% | 997 |
| Total domestic deposits to total assets | 83.6027% | 4,431 |
| Equity capital to assets | 16.1071% | 611 |
| Core capital (leverage) ratio | 16.4701% | 448 |
| Tier 1 risk-based capital ratio | 18.4269% | 2,108 |
| Total risk-based capital ratio | 19.6755% | 2,076 |
| Memoranda: | ||
| Average total assets | $23,648,000 | 7,208 |
| Average earning assets | $22,342,500 | 7,167 |
| Average equity | $3,628,500 | 6,902 |
| Average total loans | $18,084,500 | 6,816 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9431% | 3,425 |
| Cost of funding earning assets | 0.9131% | 4,563 |
| Net interest margin | 4.0300% | 2,700 |
| Noninterest income to average assets | 0.2576% | 5,806 |
| Noninterest expense to average assets | 2.4934% | 5,567 |
| Loan and lease loss provision to assets | 0.1662% | 4,272 |
| Net operating income to assets | 1.3742% | 1,136 |
| Return on assets (ROA) | 1.1968% | 1,664 |
| Pretax return on assets | 1.2301% | 2,373 |
| Return on Equity (ROE) | 7.9223% | 2,976 |
| Retained earnings to average equity (ytd only) | -2.2556% | 6,285 |
| Net charge-offs to loans | 0.9698% | 1,618 |
| Credit loss provision to net charge-offs | 23.5294% | 5,084 |
| Earnings coverage of net charge-offs (x) | 2.2353% | 3,716 |
| Efficiency ratio | 61.2245% | 5,696 |
| Assets per employee ($millions) | 6.1530% | 1,094 |
| Cash dividends to net income (ytd only)* | 128.4722% | 261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6303% | 3,580 |
| Loan loss allowance to noncurrent loans | 727.5000% | 488 |
| Noncurrent assets plus other real estate owned to assets | 0.3047% | 6,370 |
| Noncurrent loans to loans | 0.2241% | 6,457 |
| Net loans and leases to total assets | 71.3392% | 1,925 |
| Net loans and leases to deposits | 83.6972% | 2,153 |
| Net loans and leases to core deposits | 83.6972% | 3,257 |
| Total domestic deposits to total assets | 85.2348% | 3,769 |
| Equity capital to assets | 14.5295% | 933 |
| Core capital (leverage) ratio | 15.5115% | 576 |
| Tier 1 risk-based capital ratio | 19.2025% | 1,788 |
| Total risk-based capital ratio | 20.4533% | 1,752 |
| Memoranda: | ||
| Average total assets | $24,064,000 | 7,262 |
| Average earning assets | $22,779,000 | 7,223 |
| Average equity | $3,635,330 | 6,947 |
| Average total loans | $17,529,670 | 6,915 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8973% | 3,607 |
| Cost of funding earning assets | 0.9616% | 4,485 |
| Net interest margin | 3.9356% | 2,975 |
| Noninterest income to average assets | 0.2522% | 5,883 |
| Noninterest expense to average assets | 2.4716% | 5,660 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.4583% | 968 |
| Return on assets (ROA) | 1.3115% | 1,287 |
| Pretax return on assets | 1.3451% | 1,895 |
| Return on Equity (ROE) | 8.5130% | 2,690 |
| Retained earnings to average equity (ytd only) | 8.5130% | 1,550 |
| Net charge-offs to loans | 1.9574% | 653 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 1.0471% | 3,877 |
| Efficiency ratio | 62.2881% | 5,637 |
| Assets per employee ($millions) | 5.0048% | 2,153 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6751% | 3,426 |
| Loan loss allowance to noncurrent loans | 677.5000% | 518 |
| Noncurrent assets plus other real estate owned to assets | 0.2598% | 6,529 |
| Noncurrent loans to loans | 0.2472% | 6,491 |
| Net loans and leases to total assets | 63.5670% | 3,525 |
| Net loans and leases to deposits | 74.7966% | 3,634 |
| Net loans and leases to core deposits | 74.7966% | 4,446 |
| Total domestic deposits to total assets | 84.9864% | 4,036 |
| Equity capital to assets | 14.8418% | 797 |
| Core capital (leverage) ratio | 16.0880% | 485 |
| Tier 1 risk-based capital ratio | 21.0961% | 1,376 |
| Total risk-based capital ratio | 22.3437% | 1,346 |
| Memoranda: | ||
| Average total assets | $23,790,000 | 7,321 |
| Average earning assets | $22,461,500 | 7,282 |
| Average equity | $3,665,000 | 6,966 |
| Average total loans | $17,370,000 | 6,976 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6765% | 240 |
| Cost of funding earning assets | 1.1159% | 5,047 |
| Net interest margin | 5.5606% | 157 |
| Noninterest income to average assets | 0.2569% | 5,964 |
| Noninterest expense to average assets | 2.3430% | 6,233 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 3.0099% | 72 |
| Return on assets (ROA) | 1.1976% | 1,500 |
| Pretax return on assets | 1.2325% | 2,133 |
| Return on Equity (ROE) | 7.5778% | 2,858 |
| Retained earnings to average equity (ytd only) | -10.4988% | 6,687 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.0400% | 7,438 |
| Assets per employee ($millions) | 5.6390% | 1,466 |
| Cash dividends to net income (ytd only)* | 238.5455% | 97 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9179% | 2,510 |
| Loan loss allowance to noncurrent loans | 237.3333% | 1,285 |
| Noncurrent assets plus other real estate owned to assets | 0.6650% | 5,672 |
| Noncurrent loans to loans | 0.8081% | 5,431 |
| Net loans and leases to total assets | 80.7147% | 574 |
| Net loans and leases to deposits | 96.4199% | 835 |
| Net loans and leases to core deposits | 96.4199% | 1,955 |
| Total domestic deposits to total assets | 83.7117% | 4,501 |
| Equity capital to assets | 16.0312% | 574 |
| Core capital (leverage) ratio | 17.1858% | 384 |
| Tier 1 risk-based capital ratio | 19.0736% | 1,701 |
| Total risk-based capital ratio | 20.3275% | 1,664 |
| Memoranda: | ||
| Average total assets | $22,962,200 | 7,397 |
| Average earning assets | $21,418,400 | 7,365 |
| Average equity | $3,629,000 | 7,101 |
| Average total loans | $19,306,400 | 6,960 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8552% | 185 |
| Cost of funding earning assets | 1.1405% | 5,199 |
| Net interest margin | 5.7148% | 130 |
| Noninterest income to average assets | 0.2717% | 5,938 |
| Noninterest expense to average assets | 2.2950% | 6,345 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 3.2720% | 68 |
| Return on assets (ROA) | 3.2720% | 71 |
| Pretax return on assets | 3.3067% | 97 |
| Return on Equity (ROE) | 20.7764% | 268 |
| Retained earnings to average equity (ytd only) | 3.1936% | 4,187 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.9701% | 7,559 |
| Assets per employee ($millions) | 5.9938% | 1,246 |
| Cash dividends to net income (ytd only)* | 84.6286% | 550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7580% | 2,943 |
| Loan loss allowance to noncurrent loans | 323.6364% | 918 |
| Noncurrent assets plus other real estate owned to assets | 0.4588% | 6,278 |
| Noncurrent loans to loans | 0.5432% | 6,118 |
| Net loans and leases to total assets | 82.9781% | 411 |
| Net loans and leases to deposits | 109.7721% | 261 |
| Net loans and leases to core deposits | 109.7721% | 1,046 |
| Total domestic deposits to total assets | 75.5912% | 6,720 |
| Equity capital to assets | 15.8165% | 711 |
| Core capital (leverage) ratio | 18.1624% | 339 |
| Tier 1 risk-based capital ratio | 19.2507% | 1,695 |
| Total risk-based capital ratio | 20.4951% | 1,668 |
| Memoranda: | ||
| Average total assets | $23,063,750 | 7,490 |
| Average earning assets | $21,511,000 | 7,460 |
| Average equity | $3,632,250 | 7,192 |
| Average total loans | $19,492,500 | 7,049 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8250% | 195 |
| Cost of funding earning assets | 1.1861% | 5,202 |
| Net interest margin | 5.6389% | 143 |
| Noninterest income to average assets | 0.3163% | 5,626 |
| Noninterest expense to average assets | 2.2935% | 6,373 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 3.2513% | 65 |
| Return on assets (ROA) | 3.2513% | 70 |
| Pretax return on assets | 3.2865% | 96 |
| Return on Equity (ROE) | 20.6762% | 275 |
| Retained earnings to average equity (ytd only) | 3.9676% | 3,552 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.1024% | 7,621 |
| Assets per employee ($millions) | 5.9505% | 1,266 |
| Cash dividends to net income (ytd only)* | 80.8108% | 750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7349% | 2,950 |
| Loan loss allowance to noncurrent loans | 323.6364% | 913 |
| Noncurrent assets plus other real estate owned to assets | 0.4621% | 6,294 |
| Noncurrent loans to loans | 0.5361% | 6,179 |
| Net loans and leases to total assets | 84.7156% | 302 |
| Net loans and leases to deposits | 109.7599% | 284 |
| Net loans and leases to core deposits | 109.7599% | 1,180 |
| Total domestic deposits to total assets | 77.1826% | 6,453 |
| Equity capital to assets | 15.3264% | 817 |
| Core capital (leverage) ratio | 18.2389% | 339 |
| Tier 1 risk-based capital ratio | 19.0600% | 1,707 |
| Total risk-based capital ratio | 20.3054% | 1,667 |
| Memoranda: | ||
| Average total assets | $22,760,000 | 7,560 |
| Average earning assets | $21,245,330 | 7,525 |
| Average equity | $3,579,000 | 7,243 |
| Average total loans | $19,240,000 | 7,113 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7121% | 260 |
| Cost of funding earning assets | 1.3191% | 4,699 |
| Net interest margin | 5.3930% | 213 |
| Noninterest income to average assets | 0.4137% | 4,777 |
| Noninterest expense to average assets | 2.3382% | 6,287 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 3.0397% | 94 |
| Return on assets (ROA) | 3.0397% | 99 |
| Pretax return on assets | 3.0757% | 131 |
| Return on Equity (ROE) | 19.0718% | 434 |
| Retained earnings to average equity (ytd only) | 2.5956% | 4,584 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.1894% | 7,644 |
| Assets per employee ($millions) | 5.5305% | 1,635 |
| Cash dividends to net income (ytd only)* | 86.3905% | 740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8859% | 2,489 |
| Loan loss allowance to noncurrent loans | 189.3617% | 1,494 |
| Noncurrent assets plus other real estate owned to assets | 0.8498% | 5,460 |
| Noncurrent loans to loans | 0.9959% | 5,330 |
| Net loans and leases to total assets | 83.7221% | 397 |
| Net loans and leases to deposits | 100.1460% | 743 |
| Net loans and leases to core deposits | 100.1460% | 2,115 |
| Total domestic deposits to total assets | 83.6000% | 4,343 |
| Equity capital to assets | 16.0700% | 659 |
| Core capital (leverage) ratio | 18.7801% | 320 |
| Tier 1 risk-based capital ratio | 20.2755% | 1,470 |
| Total risk-based capital ratio | 21.5158% | 1,442 |
| Memoranda: | ||
| Average total assets | $22,239,000 | 7,672 |
| Average earning assets | $20,619,500 | 7,633 |
| Average equity | $3,544,500 | 7,331 |
| Average total loans | $18,600,000 | 7,233 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4554% | 140 |
| Cost of funding earning assets | 1.7080% | 4,458 |
| Net interest margin | 5.7474% | 140 |
| Noninterest income to average assets | 0.2406% | 6,367 |
| Noninterest expense to average assets | 2.7310% | 5,242 |
| Loan and lease loss provision to assets | 0.0472% | 7,096 |
| Net operating income to assets | 2.7735% | 66 |
| Return on assets (ROA) | 2.7781% | 69 |
| Pretax return on assets | 2.8159% | 111 |
| Return on Equity (ROE) | 27.1204% | 72 |
| Retained earnings to average equity (ytd only) | -4.6505% | 5,978 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.8608% | 7,594 |
| Assets per employee ($millions) | 5.5890% | 1,568 |
| Cash dividends to net income (ytd only)* | 117.1477% | 432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9429% | 2,163 |
| Loan loss allowance to noncurrent loans | 323.6364% | 984 |
| Noncurrent assets plus other real estate owned to assets | 0.4920% | 6,220 |
| Noncurrent loans to loans | 0.6003% | 6,042 |
| Net loans and leases to total assets | 80.3677% | 929 |
| Net loans and leases to deposits | 102.9864% | 696 |
| Net loans and leases to core deposits | 114.7171% | 2,439 |
| Total domestic deposits to total assets | 78.0372% | 6,203 |
| Equity capital to assets | 15.8078% | 726 |
| Core capital (leverage) ratio | 19.3257% | 320 |
| Tier 1 risk-based capital ratio | 20.3790% | 1,395 |
| Total risk-based capital ratio | 21.6183% | 1,361 |
| Memoranda: | ||
| Average total assets | $21,201,200 | 7,746 |
| Average earning assets | $19,730,600 | 7,719 |
| Average equity | $2,171,800 | 7,809 |
| Average total loans | $17,463,200 | 7,333 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5560% | 135 |
| Cost of funding earning assets | 1.8055% | 4,362 |
| Net interest margin | 5.7505% | 139 |
| Noninterest income to average assets | 0.2614% | 6,361 |
| Noninterest expense to average assets | 2.8244% | 4,787 |
| Loan and lease loss provision to assets | 0.0637% | 6,723 |
| Net operating income to assets | 2.7161% | 79 |
| Return on assets (ROA) | 2.7224% | 89 |
| Pretax return on assets | 2.7606% | 136 |
| Return on Equity (ROE) | 31.0891% | 51 |
| Retained earnings to average equity (ytd only) | -2.4027% | 5,801 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.0565% | 7,550 |
| Assets per employee ($millions) | 5.4740% | 1,636 |
| Cash dividends to net income (ytd only)* | 107.7285% | 484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9306% | 1,958 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 82.5904% | 731 |
| Net loans and leases to deposits | 104.6891% | 723 |
| Net loans and leases to core deposits | 118.5914% | 2,367 |
| Total domestic deposits to total assets | 78.8911% | 5,840 |
| Equity capital to assets | 16.2267% | 756 |
| Core capital (leverage) ratio | 19.7463% | 330 |
| Tier 1 risk-based capital ratio | 20.7113% | 1,418 |
| Total risk-based capital ratio | 21.9558% | 1,378 |
| Memoranda: | ||
| Average total assets | $20,912,500 | 7,825 |
| Average earning assets | $19,569,000 | 7,795 |
| Average equity | $1,831,250 | 7,952 |
| Average total loans | $17,248,250 | 7,403 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5968% | 137 |
| Cost of funding earning assets | 1.8940% | 4,293 |
| Net interest margin | 5.7028% | 139 |
| Noninterest income to average assets | 0.2720% | 6,327 |
| Noninterest expense to average assets | 2.7593% | 5,136 |
| Loan and lease loss provision to assets | 0.0777% | 6,412 |
| Net operating income to assets | 2.7206% | 82 |
| Return on assets (ROA) | 2.7302% | 92 |
| Pretax return on assets | 2.7691% | 136 |
| Return on Equity (ROE) | 44.6979% | 23 |
| Retained earnings to average equity (ytd only) | -28.4730% | 7,666 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.3056% | 7,705 |
| Assets per employee ($millions) | 5.0660% | 2,007 |
| Cash dividends to net income (ytd only)* | 163.7011% | 316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0979% | 1,400 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 81.5239% | 1,046 |
| Net loans and leases to deposits | 92.6632% | 2,333 |
| Net loans and leases to core deposits | 105.1359% | 3,942 |
| Total domestic deposits to total assets | 87.9787% | 1,788 |
| Equity capital to assets | 5.7787% | 7,964 |
| Core capital (leverage) ratio | 10.4344% | 2,871 |
| Tier 1 risk-based capital ratio | 11.1221% | 5,749 |
| Total risk-based capital ratio | 12.3665% | 5,677 |
| Memoranda: | ||
| Average total assets | $20,584,670 | 7,908 |
| Average earning assets | $19,218,670 | 7,879 |
| Average equity | $1,257,330 | 8,126 |
| Average total loans | $16,851,000 | 7,494 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3565% | 206 |
| Cost of funding earning assets | 1.9424% | 4,415 |
| Net interest margin | 5.4141% | 195 |
| Noninterest income to average assets | 0.3085% | 5,975 |
| Noninterest expense to average assets | 2.6416% | 5,258 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 2.6802% | 96 |
| Return on assets (ROA) | 2.6802% | 121 |
| Pretax return on assets | 2.7187% | 171 |
| Return on Equity (ROE) | 42.7528% | 39 |
| Retained earnings to average equity (ytd only) | 8.9196% | 1,508 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.2806% | 7,644 |
| Assets per employee ($millions) | 3.9464% | 3,777 |
| Cash dividends to net income (ytd only)* | 79.1367% | 1,085 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1336% | 1,176 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 80.4328% | 1,308 |
| Net loans and leases to deposits | 91.8461% | 2,627 |
| Net loans and leases to core deposits | 102.2352% | 4,314 |
| Total domestic deposits to total assets | 87.5735% | 1,934 |
| Equity capital to assets | 6.4160% | 7,900 |
| Core capital (leverage) ratio | 11.2272% | 2,318 |
| Tier 1 risk-based capital ratio | 12.1786% | 4,803 |
| Total risk-based capital ratio | 13.3789% | 4,744 |
| Memoranda: | ||
| Average total assets | $20,745,000 | 7,958 |
| Average earning assets | $19,357,000 | 7,924 |
| Average equity | $1,300,500 | 8,178 |
| Average total loans | $16,839,500 | 7,541 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1428% | 828 |
| Cost of funding earning assets | 2.4481% | 4,481 |
| Net interest margin | 4.6947% | 981 |
| Noninterest income to average assets | 0.2473% | 6,678 |
| Noninterest expense to average assets | 2.6871% | 5,323 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.8713% | 465 |
| Return on assets (ROA) | 1.8987% | 420 |
| Pretax return on assets | 1.9360% | 713 |
| Return on Equity (ROE) | 19.7630% | 397 |
| Retained earnings to average equity (ytd only) | 2.8164% | 3,426 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4772% | 6,607 |
| Assets per employee ($millions) | 4.3516% | 2,880 |
| Cash dividends to net income (ytd only)* | 85.7494% | 1,452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9814% | 1,261 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 78.6653% | 1,966 |
| Net loans and leases to deposits | 105.3681% | 1,182 |
| Net loans and leases to core deposits | 117.2329% | 2,981 |
| Total domestic deposits to total assets | 74.6576% | 6,527 |
| Equity capital to assets | 6.1357% | 8,036 |
| Core capital (leverage) ratio | 10.5014% | 2,976 |
| Tier 1 risk-based capital ratio | 11.5179% | 5,223 |
| Total risk-based capital ratio | 12.7712% | 5,115 |
| Memoranda: | ||
| Average total assets | $21,435,400 | 7,973 |
| Average earning assets | $19,852,200 | 7,947 |
| Average equity | $2,059,400 | 8,109 |
| Average total loans | $16,526,000 | 7,551 |