Home > GreenBank > Performance and Condition Ratios

GreenBank, Performance and Condition Ratios

2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0305%3,010
Cost of funding earning assets1.2389%2,330
Net interest margin3.7916%3,821
Noninterest income to average assets1.3009%743
Noninterest expense to average assets3.9600%1,107
Loan and lease loss provision to assets2.3909%223
Net operating income to assets-1.7340%7,144
Return on assets (ROA)-1.7340%7,157
Pretax return on assets-1.6858%7,109
Return on Equity (ROE)-18.6283%7,136
Retained earnings to average equity (ytd only)-18.6283%7,118
Net charge-offs to loans3.8883%212
Credit loss provision to net charge-offs87.3125%3,538
Earnings coverage of net charge-offs (x)0.2575%5,117
Efficiency ratio82.6180%2,008
Assets per employee ($millions)3.5462%4,820
Cash dividends to net income (ytd only)*0.0000%3,290
Condition Ratios (%)
Loss allowance to loans4.0181%412
Loan loss allowance to noncurrent loans47.5345%5,160
Noncurrent assets plus other real estate owned to assets9.2323%451
Noncurrent loans to loans8.4531%511
Net loans and leases to total assets65.4073%3,164
Net loans and leases to deposits79.0134%2,962
Net loans and leases to core deposits80.3158%3,743
Total domestic deposits to total assets82.7800%4,862
Equity capital to assets9.1768%5,313
Core capital (leverage) ratio8.4737%5,598
Tier 1 risk-based capital ratio11.9697%5,810
Total risk-based capital ratio13.2511%5,759
Memoranda:
Average total assets$2,361,376,330302
Average earning assets$2,095,227,000305
Average equity$219,805,000331
Average total loans$1,663,002,000274
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9876%3,156
Cost of funding earning assets1.2862%2,266
Net interest margin3.7014%4,093
Noninterest income to average assets1.2735%783
Noninterest expense to average assets3.8609%1,231
Loan and lease loss provision to assets2.3194%228
Net operating income to assets-1.6740%7,237
Return on assets (ROA)-1.6740%7,242
Pretax return on assets-1.6091%7,194
Return on Equity (ROE)-17.8634%7,194
Retained earnings to average equity (ytd only)-17.8634%7,114
Net charge-offs to loans3.6449%270
Credit loss provision to net charge-offs88.9807%2,955
Earnings coverage of net charge-offs (x)0.2725%4,408
Efficiency ratio82.1753%2,200
Assets per employee ($millions)3.6436%4,667
Cash dividends to net income (ytd only)*0.0000%2,514
Condition Ratios (%)
Loss allowance to loans3.8727%464
Loan loss allowance to noncurrent loans39.6026%5,649
Noncurrent assets plus other real estate owned to assets9.3871%452
Noncurrent loans to loans9.7790%416
Net loans and leases to total assets67.6137%2,633
Net loans and leases to deposits81.4046%2,462
Net loans and leases to core deposits82.9631%3,313
Total domestic deposits to total assets83.0589%4,900
Equity capital to assets9.1874%4,890
Core capital (leverage) ratio8.5549%5,342
Tier 1 risk-based capital ratio11.8166%5,846
Total risk-based capital ratio13.0971%5,825
Memoranda:
Average total assets$2,396,632,500297
Average earning assets$2,135,289,000300
Average equity$224,593,000323
Average total loans$1,713,943,000271
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4700%2,405
Cost of funding earning assets1.5972%2,090
Net interest margin3.8729%3,626
Noninterest income to average assets1.2016%1,036
Noninterest expense to average assets4.2469%863
Loan and lease loss provision to assets2.8391%357
Net operating income to assets-3.0927%7,313
Return on assets (ROA)-3.0964%7,332
Pretax return on assets-2.4714%7,156
Return on Equity (ROE)-26.7646%7,173
Retained earnings to average equity (ytd only)-27.6274%7,171
Net charge-offs to loans2.8492%610
Credit loss provision to net charge-offs130.6202%3,036
Earnings coverage of net charge-offs (x)0.1709%5,939
Efficiency ratio89.7249%1,341
Assets per employee ($millions)3.2919%5,448
Cash dividends to net income (ytd only)*-3.2236%7,443
Condition Ratios (%)
Loss allowance to loans3.8261%460
Loan loss allowance to noncurrent loans45.8311%5,261
Noncurrent assets plus other real estate owned to assets8.5633%547
Noncurrent loans to loans8.3483%600
Net loans and leases to total assets69.9042%2,554
Net loans and leases to deposits84.6015%2,360
Net loans and leases to core deposits86.2363%3,289
Total domestic deposits to total assets82.6276%4,960
Equity capital to assets9.5540%4,336
Core capital (leverage) ratio8.8801%4,729
Tier 1 risk-based capital ratio11.9382%5,532
Total risk-based capital ratio13.2186%5,484
Memoranda:
Average total assets$2,504,562,600289
Average earning assets$2,209,560,000290
Average equity$289,755,800262
Average total loans$1,910,666,400250
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5459%2,269
Cost of funding earning assets1.6329%2,196
Net interest margin3.9130%3,471
Noninterest income to average assets1.2720%853
Noninterest expense to average assets3.4782%2,086
Loan and lease loss provision to assets2.3958%452
Net operating income to assets-1.4185%7,083
Return on assets (ROA)-1.4234%7,105
Pretax return on assets-1.1617%6,927
Return on Equity (ROE)-11.8148%7,005
Retained earnings to average equity (ytd only)-12.9084%7,006
Net charge-offs to loans3.0947%485
Credit loss provision to net charge-offs100.3554%4,296
Earnings coverage of net charge-offs (x)0.5190%5,506
Efficiency ratio71.5693%3,787
Assets per employee ($millions)3.3270%5,389
Cash dividends to net income (ytd only)*-9.2562%7,620
Condition Ratios (%)
Loss allowance to loans2.7383%1,048
Loan loss allowance to noncurrent loans40.7598%5,575
Noncurrent assets plus other real estate owned to assets8.1651%607
Noncurrent loans to loans6.7182%870
Net loans and leases to total assets74.1007%1,781
Net loans and leases to deposits92.7032%1,360
Net loans and leases to core deposits94.4527%2,465
Total domestic deposits to total assets79.9333%5,726
Equity capital to assets11.6811%2,371
Core capital (leverage) ratio10.7766%2,442
Tier 1 risk-based capital ratio13.5307%4,181
Total risk-based capital ratio14.7972%4,115
Memoranda:
Average total assets$2,529,935,750280
Average earning assets$2,227,468,000285
Average equity$304,797,500250
Average total loans$1,951,663,750247
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5804%2,207
Cost of funding earning assets1.6869%2,183
Net interest margin3.8936%3,477
Noninterest income to average assets1.2097%883
Noninterest expense to average assets3.1351%3,165
Loan and lease loss provision to assets0.6724%2,149
Net operating income to assets0.5486%4,101
Return on assets (ROA)0.5438%4,272
Pretax return on assets0.8273%3,789
Return on Equity (ROE)4.4714%4,557
Retained earnings to average equity (ytd only)2.8712%4,314
Net charge-offs to loans0.8795%2,075
Credit loss provision to net charge-offs98.7200%4,158
Earnings coverage of net charge-offs (x)2.2125%3,905
Efficiency ratio65.3715%5,090
Assets per employee ($millions)3.5228%4,866
Cash dividends to net income (ytd only)*35.7859%2,279
Condition Ratios (%)
Loss allowance to loans2.5946%1,199
Loan loss allowance to noncurrent loans77.0198%3,524
Noncurrent assets plus other real estate owned to assets5.6091%1,089
Noncurrent loans to loans3.3687%2,372
Net loans and leases to total assets74.3885%1,833
Net loans and leases to deposits93.6822%1,317
Net loans and leases to core deposits95.7273%2,476
Total domestic deposits to total assets79.4052%5,917
Equity capital to assets12.4781%1,813
Core capital (leverage) ratio11.8626%1,726
Tier 1 risk-based capital ratio14.7243%3,318
Total risk-based capital ratio15.9891%3,282
Memoranda:
Average total assets$2,569,224,330276
Average earning assets$2,264,911,330280
Average equity$312,477,670246
Average total loans$1,989,657,670245
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5682%2,291
Cost of funding earning assets1.7044%2,369
Net interest margin3.8638%3,495
Noninterest income to average assets1.1597%921
Noninterest expense to average assets3.1180%3,192
Loan and lease loss provision to assets0.6004%2,116
Net operating income to assets0.5589%4,090
Return on assets (ROA)0.5589%4,233
Pretax return on assets0.8579%3,633
Return on Equity (ROE)4.6541%4,558
Retained earnings to average equity (ytd only)4.6541%3,351
Net charge-offs to loans0.7689%1,971
Credit loss provision to net charge-offs100.1545%3,382
Earnings coverage of net charge-offs (x)2.4327%3,323
Efficiency ratio65.9368%5,126
Assets per employee ($millions)3.5795%4,870
Cash dividends to net income (ytd only)*0.0000%2,528
Condition Ratios (%)
Loss allowance to loans2.5151%1,275
Loan loss allowance to noncurrent loans78.8554%3,454
Noncurrent assets plus other real estate owned to assets5.2688%1,192
Noncurrent loans to loans3.1895%2,504
Net loans and leases to total assets75.7622%1,593
Net loans and leases to deposits94.9186%1,241
Net loans and leases to core deposits97.1540%2,439
Total domestic deposits to total assets79.8181%5,848
Equity capital to assets12.2118%1,925
Core capital (leverage) ratio11.5528%1,880
Tier 1 risk-based capital ratio14.0643%3,613
Total risk-based capital ratio15.3283%3,569
Memoranda:
Average total assets$2,590,903,500284
Average earning assets$2,291,015,000287
Average equity$311,126,000248
Average total loans$2,019,984,500250
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.7193%3,010
Cost of funding earning assets2.2865%1,708
Net interest margin3.4327%5,246
Noninterest income to average assets1.0136%1,525
Noninterest expense to average assets8.1671%139
Loan and lease loss provision to assets1.8254%1,233
Net operating income to assets-5.3935%7,792
Return on assets (ROA)-5.3791%7,781
Pretax return on assets-5.9440%7,798
Return on Equity (ROE)-39.9228%7,568
Retained earnings to average equity (ytd only)-40.7316%7,563
Net charge-offs to loans2.2632%1,037
Credit loss provision to net charge-offs102.7610%5,372
Earnings coverage of net charge-offs (x)-2.3276%7,026
Efficiency ratio70.8735%4,461
Assets per employee ($millions)3.6526%4,643
Cash dividends to net income (ytd only)*-2.0261%7,431
Condition Ratios (%)
Loss allowance to loans2.4525%1,286
Loan loss allowance to noncurrent loans66.3874%4,074
Noncurrent assets plus other real estate owned to assets5.0668%1,206
Noncurrent loans to loans3.6942%2,041
Net loans and leases to total assets76.2895%1,731
Net loans and leases to deposits95.0335%1,454
Net loans and leases to core deposits116.2648%2,289
Total domestic deposits to total assets80.2765%5,593
Equity capital to assets11.8087%2,134
Core capital (leverage) ratio10.6992%2,433
Tier 1 risk-based capital ratio13.6084%3,753
Total risk-based capital ratio14.8720%3,682
Memoranda:
Average total assets$2,752,613,800269
Average earning assets$2,420,867,400275
Average equity$370,883,600222
Average total loans$2,160,467,000242
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.7223%3,230
Cost of funding earning assets2.3424%1,838
Net interest margin3.3799%5,354
Noninterest income to average assets1.0150%1,546
Noninterest expense to average assets9.8409%103
Loan and lease loss provision to assets2.0975%843
Net operating income to assets-7.1675%7,983
Return on assets (ROA)-7.1589%7,986
Pretax return on assets-7.9459%7,995
Return on Equity (ROE)-51.6348%7,843
Retained earnings to average equity (ytd only)-52.6699%7,845
Net charge-offs to loans2.5858%702
Credit loss provision to net charge-offs103.2620%4,930
Earnings coverage of net charge-offs (x)-2.8839%6,797
Efficiency ratio72.3172%4,189
Assets per employee ($millions)3.8705%4,019
Cash dividends to net income (ytd only)*-2.0048%7,638
Condition Ratios (%)
Loss allowance to loans2.3899%1,181
Loan loss allowance to noncurrent loans73.0900%3,684
Noncurrent assets plus other real estate owned to assets4.4746%1,373
Noncurrent loans to loans3.2698%2,315
Net loans and leases to total assets73.4658%2,672
Net loans and leases to deposits91.9933%2,230
Net loans and leases to core deposits116.1800%2,604
Total domestic deposits to total assets79.8599%5,490
Equity capital to assets11.0483%2,972
Core capital (leverage) ratio10.4910%2,800
Tier 1 risk-based capital ratio13.1712%4,073
Total risk-based capital ratio14.4343%4,000
Memoranda:
Average total assets$2,786,949,000278
Average earning assets$2,447,267,000284
Average equity$386,396,750223
Average total loans$2,189,248,750253
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.7898%3,096
Cost of funding earning assets2.3981%1,972
Net interest margin3.3916%5,202
Noninterest income to average assets1.0166%1,536
Noninterest expense to average assets13.3341%78
Loan and lease loss provision to assets1.8214%905
Net operating income to assets-10.3258%8,129
Return on assets (ROA)-10.3258%8,126
Pretax return on assets-11.1849%8,127
Return on Equity (ROE)-69.7461%8,017
Retained earnings to average equity (ytd only)-71.2009%8,018
Net charge-offs to loans2.1653%852
Credit loss provision to net charge-offs105.6030%4,356
Earnings coverage of net charge-offs (x)-5.4290%6,463
Efficiency ratio73.9205%4,045
Assets per employee ($millions)3.5980%4,572
Cash dividends to net income (ytd only)*-2.0859%7,765
Condition Ratios (%)
Loss allowance to loans2.2930%1,107
Loan loss allowance to noncurrent loans52.9591%4,846
Noncurrent assets plus other real estate owned to assets4.9094%1,097
Noncurrent loans to loans4.3298%1,502
Net loans and leases to total assets81.3709%1,077
Net loans and leases to deposits104.5734%867
Net loans and leases to core deposits127.9516%1,712
Total domestic deposits to total assets77.8122%6,128
Equity capital to assets11.9055%2,258
Core capital (leverage) ratio10.8493%2,524
Tier 1 risk-based capital ratio13.4546%3,840
Total risk-based capital ratio14.7167%3,774
Memoranda:
Average total assets$2,785,731,670284
Average earning assets$2,426,205,330295
Average equity$412,424,670215
Average total loans$2,218,887,670259
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.7471%3,542
Cost of funding earning assets2.4535%2,094
Net interest margin3.2936%5,514
Noninterest income to average assets0.9396%1,694
Noninterest expense to average assets2.3965%6,200
Loan and lease loss provision to assets0.1375%5,203
Net operating income to assets0.7806%3,208
Return on assets (ROA)0.7806%3,375
Pretax return on assets1.2362%2,492
Return on Equity (ROE)4.8386%4,533
Retained earnings to average equity (ytd only)4.8386%3,214
Net charge-offs to loans0.1328%3,895
Credit loss provision to net charge-offs132.7493%3,045
Earnings coverage of net charge-offs (x)13.2615%1,744
Efficiency ratio60.5880%6,310
Assets per employee ($millions)3.7828%4,135
Cash dividends to net income (ytd only)*0.0000%2,832
Condition Ratios (%)
Loss allowance to loans2.1846%1,098
Loan loss allowance to noncurrent loans45.1607%5,513
Noncurrent assets plus other real estate owned to assets4.3341%1,130
Noncurrent loans to loans4.8374%1,141
Net loans and leases to total assets78.6749%1,649
Net loans and leases to deposits107.0976%781
Net loans and leases to core deposits132.6368%1,494
Total domestic deposits to total assets73.4609%6,975
Equity capital to assets16.6752%772
Core capital (leverage) ratio11.6320%2,079
Tier 1 risk-based capital ratio13.7050%3,739
Total risk-based capital ratio14.9660%3,661
Memoranda:
Average total assets$2,865,332,500279
Average earning assets$2,462,460,000291
Average equity$462,286,000199
Average total loans$2,234,637,500258
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.6251%2,373
Cost of funding earning assets2.7561%2,896
Net interest margin3.8690%3,711
Noninterest income to average assets0.8328%2,335
Noninterest expense to average assets2.6253%5,554
Loan and lease loss provision to assets1.7825%709
Net operating income to assets-0.1032%6,499
Return on assets (ROA)-0.0457%6,286
Pretax return on assets-0.1239%6,294
Return on Equity (ROE)-0.3265%6,274
Retained earnings to average equity (ytd only)-3.6062%6,245
Net charge-offs to loans1.6433%683
Credit loss provision to net charge-offs138.5726%3,836
Earnings coverage of net charge-offs (x)1.2195%5,520
Efficiency ratio60.5008%6,257
Assets per employee ($millions)3.9877%3,550
Cash dividends to net income (ytd only)*-1,004.4313%8,275
Condition Ratios (%)
Loss allowance to loans2.1949%954
Loan loss allowance to noncurrent loans155.2760%2,394
Noncurrent assets plus other real estate owned to assets2.5995%1,851
Noncurrent loans to loans1.4136%3,690
Net loans and leases to total assets74.0071%3,097
Net loans and leases to deposits98.9021%1,994
Net loans and leases to core deposits119.6038%2,733
Total domestic deposits to total assets74.8286%6,491
Equity capital to assets15.6195%1,022
Core capital (leverage) ratio10.9765%2,607
Tier 1 risk-based capital ratio13.2914%3,935
Total risk-based capital ratio14.5521%3,839
Memoranda:
Average total assets$2,962,611,800259
Average earning assets$2,573,799,800267
Average equity$414,670,000219
Average total loans$2,319,109,800240