Home > High Desert Bank > Performance and Condition Ratios
High Desert Bank, Performance and Condition Ratios
2018-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4870% | 4,902 |
Cost of funding earning assets | 0.1937% | 5,049 |
Net interest margin | 3.2932% | 4,206 |
Noninterest income to average assets | 0.3332% | 3,926 |
Noninterest expense to average assets | 7.5076% | 99 |
Loan and lease loss provision to assets | -2.1170% | 5,605 |
Net operating income to assets | -2.0582% | 5,572 |
Return on assets (ROA) | -2.0582% | 5,570 |
Pretax return on assets | -2.0582% | 5,567 |
Return on Equity (ROE) | -141.1765% | 5,605 |
Retained earnings to average equity (ytd only) | -141.1765% | 5,605 |
Net charge-offs to loans | 0.0000% | 2,722 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 225.2941% | 11 |
Assets per employee ($millions) | 3.3883% | 4,805 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.6366% | 83 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
Noncurrent loans to loans | 0.0000% | 5,035 |
Net loans and leases to total assets | 38.4506% | 5,124 |
Net loans and leases to deposits | 38.9022% | 5,292 |
Net loans and leases to core deposits | 38.9022% | 5,332 |
Total domestic deposits to total assets | 98.8392% | 1 |
Equity capital to assets | 1.0871% | 5,606 |
Core capital (leverage) ratio | 1.7608% | 5,606 |
Tier 1 risk-based capital ratio | 3.8839% | 5,603 |
Total risk-based capital ratio | 5.1536% | 5,603 |
Memoranda: | ||
Average total assets | $20,406,000 | 5,536 |
Average earning assets | $18,583,500 | 5,528 |
Average equity | $297,500 | 5,606 |
Average total loans | $7,912,000 | 5,517 |
2017-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5765% | 4,622 |
Cost of funding earning assets | 0.2505% | 4,556 |
Net interest margin | 3.3260% | 4,077 |
Noninterest income to average assets | 0.6600% | 2,137 |
Noninterest expense to average assets | 7.0683% | 113 |
Loan and lease loss provision to assets | 0.0000% | 4,227 |
Net operating income to assets | -3.4130% | 5,655 |
Return on assets (ROA) | -3.4130% | 5,654 |
Pretax return on assets | -3.4130% | 5,656 |
Return on Equity (ROE) | -106.3525% | 5,666 |
Retained earnings to average equity (ytd only) | -106.3525% | 5,666 |
Net charge-offs to loans | -0.0425% | 5,146 |
Credit loss provision to net charge-offs | 0.0000% | 3,708 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 193.3714% | 12 |
Assets per employee ($millions) | 3.4137% | 4,807 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
Condition Ratios (%) | ||
Loss allowance to loans | 5.2256% | 31 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
Noncurrent loans to loans | 0.0000% | 5,081 |
Net loans and leases to total assets | 35.6850% | 5,298 |
Net loans and leases to deposits | 36.3813% | 5,422 |
Net loans and leases to core deposits | 36.3813% | 5,453 |
Total domestic deposits to total assets | 98.0861% | 1 |
Equity capital to assets | 1.8260% | 5,670 |
Core capital (leverage) ratio | 2.1657% | 5,670 |
Tier 1 risk-based capital ratio | 5.3722% | 5,665 |
Total risk-based capital ratio | 6.6583% | 5,665 |
Memoranda: | ||
Average total assets | $23,938,000 | 5,558 |
Average earning assets | $21,557,200 | 5,548 |
Average equity | $768,200 | 5,665 |
Average total loans | $9,418,000 | 5,550 |
2017-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4425% | 4,902 |
Cost of funding earning assets | 0.2570% | 4,508 |
Net interest margin | 3.1855% | 4,490 |
Noninterest income to average assets | 0.7580% | 1,741 |
Noninterest expense to average assets | 7.1122% | 115 |
Loan and lease loss provision to assets | 0.0000% | 4,088 |
Net operating income to assets | -3.4889% | 5,721 |
Return on assets (ROA) | -3.4889% | 5,721 |
Pretax return on assets | -3.4889% | 5,721 |
Return on Equity (ROE) | -99.8339% | 5,732 |
Retained earnings to average equity (ytd only) | -99.8339% | 5,731 |
Net charge-offs to loans | -0.0406% | 5,098 |
Credit loss provision to net charge-offs | 0.0000% | 3,274 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 196.2908% | 11 |
Assets per employee ($millions) | 3.9108% | 4,138 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
Condition Ratios (%) | ||
Loss allowance to loans | 4.4587% | 50 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
Noncurrent loans to loans | 0.0000% | 5,172 |
Net loans and leases to total assets | 36.7100% | 5,320 |
Net loans and leases to deposits | 37.6865% | 5,466 |
Net loans and leases to core deposits | 37.6865% | 5,497 |
Total domestic deposits to total assets | 97.4089% | 1 |
Equity capital to assets | 2.3993% | 5,734 |
Core capital (leverage) ratio | 2.7226% | 5,735 |
Tier 1 risk-based capital ratio | 6.6910% | 5,722 |
Total risk-based capital ratio | 7.9729% | 5,722 |
Memoranda: | ||
Average total assets | $24,802,000 | 5,608 |
Average earning assets | $22,308,750 | 5,604 |
Average equity | $866,750 | 5,731 |
Average total loans | $9,844,500 | 5,605 |
2017-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5024% | 4,757 |
Cost of funding earning assets | 0.2770% | 4,317 |
Net interest margin | 3.2254% | 4,338 |
Noninterest income to average assets | 0.6337% | 2,299 |
Noninterest expense to average assets | 7.1373% | 120 |
Loan and lease loss provision to assets | 0.0000% | 3,871 |
Net operating income to assets | -3.6439% | 5,773 |
Return on assets (ROA) | -3.6439% | 5,773 |
Pretax return on assets | -3.6439% | 5,772 |
Return on Equity (ROE) | -95.0413% | 5,781 |
Retained earnings to average equity (ytd only) | -95.0413% | 5,776 |
Net charge-offs to loans | -0.0395% | 5,068 |
Credit loss provision to net charge-offs | 0.0000% | 2,905 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 204.3084% | 12 |
Assets per employee ($millions) | 4.7702% | 2,689 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
Condition Ratios (%) | ||
Loss allowance to loans | 4.1435% | 61 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
Noncurrent loans to loans | 0.0000% | 5,209 |
Net loans and leases to total assets | 38.9921% | 5,260 |
Net loans and leases to deposits | 40.3278% | 5,446 |
Net loans and leases to core deposits | 41.2636% | 5,465 |
Total domestic deposits to total assets | 96.6878% | 2 |
Equity capital to assets | 3.1110% | 5,780 |
Core capital (leverage) ratio | 3.2522% | 5,781 |
Tier 1 risk-based capital ratio | 7.9330% | 5,766 |
Total risk-based capital ratio | 9.2038% | 5,761 |
Memoranda: | ||
Average total assets | $25,247,670 | 5,652 |
Average earning assets | $22,384,670 | 5,648 |
Average equity | $968,000 | 5,781 |
Average total loans | $10,120,670 | 5,643 |
2017-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7399% | 3,975 |
Cost of funding earning assets | 0.2849% | 4,197 |
Net interest margin | 3.4550% | 3,431 |
Noninterest income to average assets | 0.8633% | 1,350 |
Noninterest expense to average assets | 7.4925% | 113 |
Loan and lease loss provision to assets | 0.0000% | 3,537 |
Net operating income to assets | -3.6383% | 5,842 |
Return on assets (ROA) | -3.6383% | 5,842 |
Pretax return on assets | -3.6383% | 5,836 |
Return on Equity (ROE) | -87.3265% | 5,851 |
Retained earnings to average equity (ytd only) | -87.3265% | 5,840 |
Net charge-offs to loans | -0.0387% | 5,057 |
Credit loss provision to net charge-offs | 0.0000% | 2,277 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 194.4000% | 19 |
Assets per employee ($millions) | 4.3327% | 3,450 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
Condition Ratios (%) | ||
Loss allowance to loans | 4.1264% | 75 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
Noncurrent loans to loans | 0.0000% | 5,285 |
Net loans and leases to total assets | 35.8401% | 5,407 |
Net loans and leases to deposits | 37.3023% | 5,543 |
Net loans and leases to core deposits | 38.0985% | 5,574 |
Total domestic deposits to total assets | 96.0802% | 6 |
Equity capital to assets | 3.6852% | 5,843 |
Core capital (leverage) ratio | 4.0484% | 5,842 |
Tier 1 risk-based capital ratio | 9.7367% | 5,748 |
Total risk-based capital ratio | 11.0115% | 5,728 |
Memoranda: | ||
Average total assets | $25,946,000 | 5,717 |
Average earning assets | $22,460,500 | 5,712 |
Average equity | $1,081,000 | 5,844 |
Average total loans | $10,330,000 | 5,702 |
2016-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4555% | 4,878 |
Cost of funding earning assets | 0.3407% | 3,627 |
Net interest margin | 3.1148% | 4,692 |
Noninterest income to average assets | 2.5266% | 250 |
Noninterest expense to average assets | 9.6816% | 78 |
Loan and lease loss provision to assets | -0.7323% | 5,895 |
Net operating income to assets | -3.6105% | 5,900 |
Return on assets (ROA) | -3.6105% | 5,900 |
Pretax return on assets | -3.6105% | 5,899 |
Return on Equity (ROE) | -60.0926% | 5,906 |
Retained earnings to average equity (ytd only) | -60.0926% | 5,904 |
Net charge-offs to loans | 0.3068% | 896 |
Credit loss provision to net charge-offs | -500.0000% | 5,166 |
Earnings coverage of net charge-offs (x) | -29.6500% | 4,265 |
Efficiency ratio | 181.3443% | 18 |
Assets per employee ($millions) | 5.1792% | 2,206 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.6465% | 99 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
Noncurrent loans to loans | 0.0000% | 5,326 |
Net loans and leases to total assets | 40.7129% | 5,286 |
Net loans and leases to deposits | 42.8003% | 5,466 |
Net loans and leases to core deposits | 44.2017% | 5,480 |
Total domestic deposits to total assets | 95.1228% | 10 |
Equity capital to assets | 4.6494% | 5,884 |
Core capital (leverage) ratio | 4.8538% | 5,883 |
Tier 1 risk-based capital ratio | 10.7348% | 5,470 |
Total risk-based capital ratio | 12.0132% | 5,354 |
Memoranda: | ||
Average total assets | $27,309,600 | 5,754 |
Average earning assets | $24,656,200 | 5,737 |
Average equity | $1,640,800 | 5,881 |
Average total loans | $13,036,600 | 5,714 |
2016-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4403% | 4,935 |
Cost of funding earning assets | 0.3499% | 3,541 |
Net interest margin | 3.0904% | 4,796 |
Noninterest income to average assets | 2.5641% | 252 |
Noninterest expense to average assets | 10.5313% | 65 |
Loan and lease loss provision to assets | 0.0000% | 4,186 |
Net operating income to assets | -5.1572% | 5,976 |
Return on assets (ROA) | -5.1572% | 5,976 |
Pretax return on assets | -5.1572% | 5,975 |
Return on Equity (ROE) | -81.5217% | 5,977 |
Retained earnings to average equity (ytd only) | -81.5217% | 5,975 |
Net charge-offs to loans | 1.5633% | 82 |
Credit loss provision to net charge-offs | 0.0000% | 3,412 |
Earnings coverage of net charge-offs (x) | -6.7297% | 3,908 |
Efficiency ratio | 195.9641% | 12 |
Assets per employee ($millions) | 2.6637% | 5,629 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
Condition Ratios (%) | ||
Loss allowance to loans | 4.4818% | 59 |
Loan loss allowance to noncurrent loans | 545.4545% | 980 |
Noncurrent assets plus other real estate owned to assets | 0.3304% | 4,076 |
Noncurrent loans to loans | 0.8217% | 2,617 |
Net loans and leases to total assets | 38.4052% | 5,446 |
Net loans and leases to deposits | 40.3264% | 5,625 |
Net loans and leases to core deposits | 41.6040% | 5,643 |
Total domestic deposits to total assets | 95.2359% | 10 |
Equity capital to assets | 4.5163% | 5,955 |
Core capital (leverage) ratio | 4.5133% | 5,953 |
Tier 1 risk-based capital ratio | 9.6984% | 5,853 |
Total risk-based capital ratio | 10.9771% | 5,827 |
Memoranda: | ||
Average total assets | $27,663,000 | 5,810 |
Average earning assets | $25,152,250 | 5,793 |
Average equity | $1,750,000 | 5,934 |
Average total loans | $13,560,250 | 5,759 |
2016-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5006% | 4,858 |
Cost of funding earning assets | 0.3592% | 3,463 |
Net interest margin | 3.1414% | 4,713 |
Noninterest income to average assets | 3.2923% | 180 |
Noninterest expense to average assets | 11.3337% | 63 |
Loan and lease loss provision to assets | 0.0000% | 4,017 |
Net operating income to assets | -5.1062% | 6,051 |
Return on assets (ROA) | -5.1062% | 6,051 |
Pretax return on assets | -5.1062% | 6,048 |
Return on Equity (ROE) | -74.0039% | 6,051 |
Retained earnings to average equity (ytd only) | -74.0039% | 6,047 |
Net charge-offs to loans | 0.4273% | 528 |
Credit loss provision to net charge-offs | 0.0000% | 3,050 |
Earnings coverage of net charge-offs (x) | -23.0645% | 3,665 |
Efficiency ratio | 181.9954% | 22 |
Assets per employee ($millions) | 2.2477% | 5,881 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
Condition Ratios (%) | ||
Loss allowance to loans | 5.0836% | 43 |
Loan loss allowance to noncurrent loans | 275.1131% | 1,750 |
Noncurrent assets plus other real estate owned to assets | 0.8194% | 2,544 |
Noncurrent loans to loans | 1.8478% | 1,099 |
Net loans and leases to total assets | 42.0881% | 5,336 |
Net loans and leases to deposits | 44.9335% | 5,532 |
Net loans and leases to core deposits | 46.8607% | 5,535 |
Total domestic deposits to total assets | 93.6675% | 21 |
Equity capital to assets | 5.8246% | 6,016 |
Core capital (leverage) ratio | 5.6525% | 6,013 |
Tier 1 risk-based capital ratio | 15.2480% | 2,963 |
Total risk-based capital ratio | 16.5680% | 2,869 |
Memoranda: | ||
Average total assets | $28,005,000 | 5,880 |
Average earning assets | $26,166,670 | 5,855 |
Average equity | $1,932,330 | 5,989 |
Average total loans | $14,510,330 | 5,803 |
2016-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7054% | 4,301 |
Cost of funding earning assets | 0.3735% | 3,360 |
Net interest margin | 3.3318% | 4,104 |
Noninterest income to average assets | 4.0250% | 150 |
Noninterest expense to average assets | 11.2897% | 63 |
Loan and lease loss provision to assets | 0.0000% | 3,656 |
Net operating income to assets | -4.1372% | 6,103 |
Return on assets (ROA) | -4.1372% | 6,103 |
Pretax return on assets | -4.1372% | 6,098 |
Return on Equity (ROE) | -55.8448% | 6,105 |
Retained earnings to average equity (ytd only) | -55.8448% | 6,083 |
Net charge-offs to loans | -0.0760% | 5,530 |
Credit loss provision to net charge-offs | 0.0000% | 2,416 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 157.8431% | 40 |
Assets per employee ($millions) | 2.2305% | 5,943 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
Condition Ratios (%) | ||
Loss allowance to loans | 4.7157% | 60 |
Loan loss allowance to noncurrent loans | 697.8261% | 783 |
Noncurrent assets plus other real estate owned to assets | 0.3173% | 4,297 |
Noncurrent loans to loans | 0.6758% | 3,151 |
Net loans and leases to total assets | 44.7372% | 5,209 |
Net loans and leases to deposits | 48.1443% | 5,414 |
Net loans and leases to core deposits | 50.7631% | 5,415 |
Total domestic deposits to total assets | 92.9232% | 48 |
Equity capital to assets | 6.7389% | 6,025 |
Core capital (leverage) ratio | 6.8922% | 6,006 |
Tier 1 risk-based capital ratio | 17.9381% | 1,998 |
Total risk-based capital ratio | 19.2417% | 1,956 |
Memoranda: | ||
Average total assets | $28,521,500 | 5,929 |
Average earning assets | $26,772,000 | 5,906 |
Average equity | $2,113,000 | 6,032 |
Average total loans | $15,785,500 | 5,826 |
2015-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6464% | 1,223 |
Cost of funding earning assets | 0.3244% | 3,970 |
Net interest margin | 4.3219% | 924 |
Noninterest income to average assets | 2.3158% | 291 |
Noninterest expense to average assets | 9.2851% | 82 |
Loan and lease loss provision to assets | 0.0000% | 4,380 |
Net operating income to assets | -3.0031% | 6,161 |
Return on assets (ROA) | -3.0031% | 6,162 |
Pretax return on assets | -3.0031% | 6,160 |
Return on Equity (ROE) | -39.6025% | 6,166 |
Retained earnings to average equity (ytd only) | -39.6025% | 6,160 |
Net charge-offs to loans | -0.2486% | 5,989 |
Credit loss provision to net charge-offs | 0.0000% | 3,899 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 147.8057% | 41 |
Assets per employee ($millions) | 1.8698% | 6,070 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.5585% | 124 |
Loan loss allowance to noncurrent loans | 80.2764% | 4,141 |
Noncurrent assets plus other real estate owned to assets | 2.8381% | 488 |
Noncurrent loans to loans | 4.4328% | 247 |
Net loans and leases to total assets | 61.7464% | 3,593 |
Net loans and leases to deposits | 67.3773% | 4,185 |
Net loans and leases to core deposits | 71.2206% | 4,199 |
Total domestic deposits to total assets | 91.6426% | 153 |
Equity capital to assets | 8.1007% | 5,811 |
Core capital (leverage) ratio | 8.0138% | 5,830 |
Tier 1 risk-based capital ratio | 18.3819% | 1,863 |
Total risk-based capital ratio | 19.6926% | 1,793 |
Memoranda: | ||
Average total assets | $27,205,000 | 6,000 |
Average earning assets | $24,965,800 | 5,984 |
Average equity | $2,063,000 | 6,090 |
Average total loans | $19,706,600 | 5,729 |
2015-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8196% | 904 |
Cost of funding earning assets | 0.3155% | 4,160 |
Net interest margin | 4.5041% | 643 |
Noninterest income to average assets | 2.3708% | 282 |
Noninterest expense to average assets | 8.8510% | 95 |
Loan and lease loss provision to assets | 0.0000% | 4,232 |
Net operating income to assets | -2.3906% | 6,236 |
Return on assets (ROA) | -2.3906% | 6,237 |
Pretax return on assets | -2.3906% | 6,235 |
Return on Equity (ROE) | -32.0935% | 6,244 |
Retained earnings to average equity (ytd only) | -32.0935% | 6,233 |
Net charge-offs to loans | 0.9796% | 195 |
Credit loss provision to net charge-offs | 0.0000% | 3,517 |
Earnings coverage of net charge-offs (x) | -3.2703% | 4,106 |
Efficiency ratio | 137.0031% | 56 |
Assets per employee ($millions) | 2.1762% | 6,094 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.2889% | 582 |
Loan loss allowance to noncurrent loans | 272.8395% | 1,738 |
Noncurrent assets plus other real estate owned to assets | 0.5726% | 3,572 |
Noncurrent loans to loans | 0.8389% | 2,871 |
Net loans and leases to total assets | 66.6961% | 2,896 |
Net loans and leases to deposits | 73.7733% | 3,567 |
Net loans and leases to core deposits | 77.9969% | 3,608 |
Total domestic deposits to total assets | 90.4068% | 420 |
Equity capital to assets | 9.2326% | 5,076 |
Core capital (leverage) ratio | 9.7029% | 4,032 |
Tier 1 risk-based capital ratio | 17.7676% | 2,099 |
Total risk-based capital ratio | 19.0411% | 2,058 |
Memoranda: | ||
Average total assets | $26,994,500 | 6,085 |
Average earning assets | $24,510,500 | 6,072 |
Average equity | $2,010,750 | 6,181 |
Average total loans | $20,144,000 | 5,787 |
2015-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7843% | 917 |
Cost of funding earning assets | 0.3047% | 4,348 |
Net interest margin | 4.4796% | 664 |
Noninterest income to average assets | 2.8160% | 232 |
Noninterest expense to average assets | 9.0956% | 92 |
Loan and lease loss provision to assets | 0.0000% | 4,069 |
Net operating income to assets | -2.1835% | 6,308 |
Return on assets (ROA) | -2.1835% | 6,308 |
Pretax return on assets | -2.1835% | 6,307 |
Return on Equity (ROE) | -32.0384% | 6,319 |
Retained earnings to average equity (ytd only) | -32.0384% | 6,304 |
Net charge-offs to loans | 2.0175% | 71 |
Credit loss provision to net charge-offs | 0.0000% | 3,158 |
Earnings coverage of net charge-offs (x) | -1.4078% | 3,778 |
Efficiency ratio | 131.5904% | 71 |
Assets per employee ($millions) | 1.7620% | 6,244 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9361% | 1,096 |
Loan loss allowance to noncurrent loans | 224.5614% | 2,052 |
Noncurrent assets plus other real estate owned to assets | 0.6470% | 3,480 |
Noncurrent loans to loans | 0.8622% | 2,973 |
Net loans and leases to total assets | 73.5906% | 1,729 |
Net loans and leases to deposits | 80.3122% | 2,743 |
Net loans and leases to core deposits | 85.1725% | 2,861 |
Total domestic deposits to total assets | 91.6307% | 167 |
Equity capital to assets | 8.1006% | 5,934 |
Core capital (leverage) ratio | 8.1511% | 5,829 |
Tier 1 risk-based capital ratio | 13.6098% | 4,155 |
Total risk-based capital ratio | 14.8736% | 4,073 |
Memoranda: | ||
Average total assets | $26,562,330 | 6,161 |
Average earning assets | $24,287,670 | 6,141 |
Average equity | $1,810,330 | 6,277 |
Average total loans | $20,421,670 | 5,830 |
2015-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7653% | 916 |
Cost of funding earning assets | 0.3111% | 4,318 |
Net interest margin | 4.4542% | 657 |
Noninterest income to average assets | 3.8755% | 164 |
Noninterest expense to average assets | 9.0580% | 94 |
Loan and lease loss provision to assets | 0.0000% | 3,703 |
Net operating income to assets | -1.0966% | 6,329 |
Return on assets (ROA) | -1.0966% | 6,332 |
Pretax return on assets | -1.0966% | 6,322 |
Return on Equity (ROE) | -17.7508% | 6,353 |
Retained earnings to average equity (ytd only) | -17.7508% | 6,253 |
Net charge-offs to loans | -0.1738% | 6,017 |
Credit loss provision to net charge-offs | 0.0000% | 2,491 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 113.7736% | 166 |
Assets per employee ($millions) | 2.0077% | 6,274 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.9922% | 298 |
Loan loss allowance to noncurrent loans | 33.5011% | 5,462 |
Noncurrent assets plus other real estate owned to assets | 7.1877% | 123 |
Noncurrent loans to loans | 8.9315% | 77 |
Net loans and leases to total assets | 74.4061% | 1,441 |
Net loans and leases to deposits | 79.6816% | 2,593 |
Net loans and leases to core deposits | 85.4002% | 2,608 |
Total domestic deposits to total assets | 93.3793% | 49 |
Equity capital to assets | 6.1724% | 6,327 |
Core capital (leverage) ratio | 6.0882% | 6,325 |
Tier 1 risk-based capital ratio | 9.4219% | 6,281 |
Total risk-based capital ratio | 10.6981% | 6,259 |
Memoranda: | ||
Average total assets | $26,628,500 | 6,224 |
Average earning assets | $24,426,500 | 6,205 |
Average equity | $1,645,000 | 6,362 |
Average total loans | $20,715,500 | 5,870 |
2014-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.4214% | 363 |
Cost of funding earning assets | 0.3346% | 4,442 |
Net interest margin | 5.0869% | 258 |
Noninterest income to average assets | 0.6288% | 2,687 |
Noninterest expense to average assets | 8.0717% | 107 |
Loan and lease loss provision to assets | 0.0883% | 2,701 |
Net operating income to assets | -3.0732% | 6,479 |
Return on assets (ROA) | -3.0732% | 6,479 |
Pretax return on assets | -3.0732% | 6,477 |
Return on Equity (ROE) | -44.6566% | 6,484 |
Retained earnings to average equity (ytd only) | -44.6566% | 6,482 |
Net charge-offs to loans | 0.6649% | 577 |
Credit loss provision to net charge-offs | 17.9856% | 3,998 |
Earnings coverage of net charge-offs (x) | -6.0791% | 4,896 |
Efficiency ratio | 158.6806% | 41 |
Assets per employee ($millions) | 2.4688% | 6,177 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.7555% | 394 |
Loan loss allowance to noncurrent loans | 32.4890% | 5,590 |
Noncurrent assets plus other real estate owned to assets | 7.0111% | 147 |
Noncurrent loans to loans | 8.4812% | 98 |
Net loans and leases to total assets | 76.6727% | 1,172 |
Net loans and leases to deposits | 86.0307% | 1,984 |
Net loans and leases to core deposits | 92.5504% | 2,033 |
Total domestic deposits to total assets | 89.1225% | 1,160 |
Equity capital to assets | 6.1826% | 6,400 |
Core capital (leverage) ratio | 6.1678% | 6,398 |
Tier 1 risk-based capital ratio | 9.7384% | 6,314 |
Total risk-based capital ratio | 11.0174% | 6,277 |
Memoranda: | ||
Average total assets | $28,308,800 | 6,284 |
Average earning assets | $24,809,000 | 6,279 |
Average equity | $1,948,200 | 6,410 |
Average total loans | $20,906,400 | 5,924 |
2014-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.5691% | 289 |
Cost of funding earning assets | 0.3447% | 4,397 |
Net interest margin | 5.2244% | 196 |
Noninterest income to average assets | 0.5735% | 3,045 |
Noninterest expense to average assets | 7.9354% | 108 |
Loan and lease loss provision to assets | 0.0000% | 4,401 |
Net operating income to assets | -2.8394% | 6,554 |
Return on assets (ROA) | -2.8394% | 6,554 |
Pretax return on assets | -2.8394% | 6,553 |
Return on Equity (ROE) | -40.2868% | 6,561 |
Retained earnings to average equity (ytd only) | -40.2868% | 6,558 |
Net charge-offs to loans | 0.0898% | 2,930 |
Credit loss provision to net charge-offs | 0.0000% | 3,801 |
Earnings coverage of net charge-offs (x) | -43.4912% | 4,674 |
Efficiency ratio | 155.7182% | 45 |
Assets per employee ($millions) | 2.5502% | 6,192 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.2056% | 291 |
Loan loss allowance to noncurrent loans | 33.6750% | 5,628 |
Noncurrent assets plus other real estate owned to assets | 7.6180% | 144 |
Noncurrent loans to loans | 9.5192% | 85 |
Net loans and leases to total assets | 74.2728% | 1,477 |
Net loans and leases to deposits | 79.9501% | 2,696 |
Net loans and leases to core deposits | 92.1536% | 2,026 |
Total domestic deposits to total assets | 92.8989% | 82 |
Equity capital to assets | 6.8908% | 6,401 |
Core capital (leverage) ratio | 6.8979% | 6,392 |
Tier 1 risk-based capital ratio | 11.2018% | 5,911 |
Total risk-based capital ratio | 12.4870% | 5,842 |
Memoranda: | ||
Average total assets | $28,596,750 | 6,350 |
Average earning assets | $24,755,000 | 6,355 |
Average equity | $2,015,500 | 6,473 |
Average total loans | $20,780,000 | 5,990 |
2014-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.6829% | 225 |
Cost of funding earning assets | 0.3603% | 4,316 |
Net interest margin | 5.3226% | 164 |
Noninterest income to average assets | 0.4865% | 3,582 |
Noninterest expense to average assets | 8.2145% | 106 |
Loan and lease loss provision to assets | 0.0000% | 4,196 |
Net operating income to assets | -3.2107% | 6,631 |
Return on assets (ROA) | -3.2107% | 6,631 |
Pretax return on assets | -3.2107% | 6,629 |
Return on Equity (ROE) | -45.2276% | 6,633 |
Retained earnings to average equity (ytd only) | -45.2276% | 6,621 |
Net charge-offs to loans | 0.1948% | 1,861 |
Credit loss provision to net charge-offs | 0.0000% | 3,401 |
Earnings coverage of net charge-offs (x) | -23.1000% | 4,340 |
Efficiency ratio | 164.1667% | 44 |
Assets per employee ($millions) | 2.7926% | 6,039 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.1499% | 322 |
Loan loss allowance to noncurrent loans | 61.3453% | 4,766 |
Noncurrent assets plus other real estate owned to assets | 4.3078% | 465 |
Noncurrent loans to loans | 5.1347% | 374 |
Net loans and leases to total assets | 75.3097% | 1,262 |
Net loans and leases to deposits | 81.5598% | 2,307 |
Net loans and leases to core deposits | 94.1448% | 1,761 |
Total domestic deposits to total assets | 92.3369% | 132 |
Equity capital to assets | 7.4483% | 6,361 |
Core capital (leverage) ratio | 7.4232% | 6,336 |
Tier 1 risk-based capital ratio | 11.7517% | 5,663 |
Total risk-based capital ratio | 13.0329% | 5,586 |
Memoranda: | ||
Average total assets | $28,778,330 | 6,410 |
Average earning assets | $24,424,330 | 6,423 |
Average equity | $2,043,000 | 6,531 |
Average total loans | $20,531,670 | 6,055 |
2014-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.8146% | 182 |
Cost of funding earning assets | 0.3634% | 4,403 |
Net interest margin | 5.4512% | 136 |
Noninterest income to average assets | 0.3424% | 4,638 |
Noninterest expense to average assets | 7.5057% | 123 |
Loan and lease loss provision to assets | 0.0000% | 3,817 |
Net operating income to assets | -2.6434% | 6,680 |
Return on assets (ROA) | -2.6434% | 6,678 |
Pretax return on assets | -2.6434% | 6,671 |
Return on Equity (ROE) | -38.1329% | 6,677 |
Retained earnings to average equity (ytd only) | -38.1329% | 6,646 |
Net charge-offs to loans | 0.5015% | 734 |
Credit loss provision to net charge-offs | 0.0000% | 2,688 |
Earnings coverage of net charge-offs (x) | -7.7200% | 3,591 |
Efficiency ratio | 154.3662% | 53 |
Assets per employee ($millions) | 3.7069% | 4,507 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.4069% | 290 |
Loan loss allowance to noncurrent loans | 55.2482% | 5,008 |
Noncurrent assets plus other real estate owned to assets | 4.1443% | 554 |
Noncurrent loans to loans | 6.1666% | 291 |
Net loans and leases to total assets | 64.9165% | 2,740 |
Net loans and leases to deposits | 70.2822% | 3,563 |
Net loans and leases to core deposits | 80.3867% | 2,925 |
Total domestic deposits to total assets | 92.3655% | 184 |
Equity capital to assets | 7.3546% | 6,360 |
Core capital (leverage) ratio | 7.3647% | 6,380 |
Tier 1 risk-based capital ratio | 13.4054% | 4,764 |
Total risk-based capital ratio | 14.6943% | 4,665 |
Memoranda: | ||
Average total assets | $29,204,500 | 6,468 |
Average earning assets | $24,215,000 | 6,492 |
Average equity | $2,024,500 | 6,598 |
Average total loans | $19,940,000 | 6,138 |
2013-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9656% | 981 |
Cost of funding earning assets | 0.4450% | 4,161 |
Net interest margin | 4.5207% | 712 |
Noninterest income to average assets | 0.1842% | 5,987 |
Noninterest expense to average assets | 5.4601% | 251 |
Loan and lease loss provision to assets | 1.4426% | 96 |
Net operating income to assets | -3.0114% | 6,762 |
Return on assets (ROA) | -3.0114% | 6,760 |
Pretax return on assets | -3.0114% | 6,760 |
Return on Equity (ROE) | -43.2631% | 6,766 |
Retained earnings to average equity (ytd only) | -43.2631% | 6,763 |
Net charge-offs to loans | 3.0689% | 81 |
Credit loss provision to net charge-offs | 67.4641% | 3,374 |
Earnings coverage of net charge-offs (x) | -0.7337% | 5,235 |
Efficiency ratio | 140.3155% | 85 |
Assets per employee ($millions) | 3.5943% | 4,696 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.5288% | 283 |
Loan loss allowance to noncurrent loans | 54.9571% | 5,053 |
Noncurrent assets plus other real estate owned to assets | 4.4550% | 572 |
Noncurrent loans to loans | 6.4211% | 290 |
Net loans and leases to total assets | 66.9333% | 2,534 |
Net loans and leases to deposits | 71.6904% | 3,569 |
Net loans and leases to core deposits | 82.2233% | 2,872 |
Total domestic deposits to total assets | 93.3644% | 107 |
Equity capital to assets | 6.4965% | 6,571 |
Core capital (leverage) ratio | 6.5278% | 6,592 |
Tier 1 risk-based capital ratio | 11.7276% | 5,789 |
Total risk-based capital ratio | 13.0209% | 5,692 |
Memoranda: | ||
Average total assets | $29,321,600 | 6,533 |
Average earning assets | $24,045,200 | 6,574 |
Average equity | $2,041,000 | 6,678 |
Average total loans | $20,430,600 | 6,180 |
2013-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0908% | 781 |
Cost of funding earning assets | 0.4598% | 4,175 |
Net interest margin | 4.6311% | 584 |
Noninterest income to average assets | 0.1946% | 6,007 |
Noninterest expense to average assets | 5.2222% | 297 |
Loan and lease loss provision to assets | 1.9142% | 45 |
Net operating income to assets | -3.1586% | 6,855 |
Return on assets (ROA) | -3.1586% | 6,854 |
Pretax return on assets | -3.1586% | 6,847 |
Return on Equity (ROE) | -44.6511% | 6,853 |
Retained earnings to average equity (ytd only) | -44.6511% | 6,850 |
Net charge-offs to loans | 3.7111% | 51 |
Credit loss provision to net charge-offs | 73.9510% | 2,981 |
Earnings coverage of net charge-offs (x) | -0.4808% | 4,951 |
Efficiency ratio | 131.2856% | 123 |
Assets per employee ($millions) | 4.1713% | 3,483 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.9682% | 245 |
Loan loss allowance to noncurrent loans | 57.1967% | 4,928 |
Noncurrent assets plus other real estate owned to assets | 4.5447% | 659 |
Noncurrent loans to loans | 6.9378% | 302 |
Net loans and leases to total assets | 62.9063% | 3,184 |
Net loans and leases to deposits | 67.0145% | 4,176 |
Net loans and leases to core deposits | 72.1106% | 4,075 |
Total domestic deposits to total assets | 93.8697% | 77 |
Equity capital to assets | 5.9762% | 6,698 |
Core capital (leverage) ratio | 5.9762% | 6,721 |
Tier 1 risk-based capital ratio | 10.8682% | 6,338 |
Total risk-based capital ratio | 12.1637% | 6,281 |
Memoranda: | ||
Average total assets | $29,463,500 | 6,599 |
Average earning assets | $24,068,750 | 6,650 |
Average equity | $2,084,250 | 6,754 |
Average total loans | $20,550,750 | 6,237 |
2013-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1363% | 715 |
Cost of funding earning assets | 0.4766% | 4,134 |
Net interest margin | 4.6596% | 547 |
Noninterest income to average assets | 0.1963% | 6,032 |
Noninterest expense to average assets | 5.1232% | 324 |
Loan and lease loss provision to assets | 2.8628% | 25 |
Net operating income to assets | -3.9524% | 6,918 |
Return on assets (ROA) | -3.9524% | 6,917 |
Pretax return on assets | -3.9524% | 6,913 |
Return on Equity (ROE) | -53.1554% | 6,909 |
Retained earnings to average equity (ytd only) | -53.1554% | 6,905 |
Net charge-offs to loans | 5.3174% | 29 |
Credit loss provision to net charge-offs | 75.6708% | 2,708 |
Earnings coverage of net charge-offs (x) | -0.2880% | 4,634 |
Efficiency ratio | 127.0134% | 148 |
Assets per employee ($millions) | 4.8162% | 2,347 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.7981% | 298 |
Loan loss allowance to noncurrent loans | 63.1751% | 4,660 |
Noncurrent assets plus other real estate owned to assets | 4.2288% | 801 |
Noncurrent loans to loans | 6.0120% | 468 |
Net loans and leases to total assets | 67.6679% | 2,311 |
Net loans and leases to deposits | 72.3525% | 3,408 |
Net loans and leases to core deposits | 76.8572% | 3,449 |
Total domestic deposits to total assets | 93.5253% | 85 |
Equity capital to assets | 6.3813% | 6,707 |
Core capital (leverage) ratio | 6.3813% | 6,713 |
Tier 1 risk-based capital ratio | 10.3532% | 6,556 |
Total risk-based capital ratio | 11.6389% | 6,509 |
Memoranda: | ||
Average total assets | $29,551,670 | 6,649 |
Average earning assets | $24,336,670 | 6,693 |
Average equity | $2,197,330 | 6,791 |
Average total loans | $21,025,330 | 6,254 |
2013-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2477% | 553 |
Cost of funding earning assets | 0.4829% | 4,262 |
Net interest margin | 4.7648% | 427 |
Noninterest income to average assets | 0.1874% | 6,133 |
Noninterest expense to average assets | 5.0202% | 365 |
Loan and lease loss provision to assets | 1.6466% | 82 |
Net operating income to assets | -2.5168% | 6,945 |
Return on assets (ROA) | -2.5168% | 6,946 |
Pretax return on assets | -2.5168% | 6,939 |
Return on Equity (ROE) | -31.6765% | 6,935 |
Retained earnings to average equity (ytd only) | -31.6765% | 6,905 |
Net charge-offs to loans | 0.2246% | 2,093 |
Credit loss provision to net charge-offs | 1,025.0000% | 308 |
Earnings coverage of net charge-offs (x) | -5.4167% | 4,073 |
Efficiency ratio | 120.9677% | 211 |
Assets per employee ($millions) | 5.9850% | 1,263 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
Condition Ratios (%) | ||
Loss allowance to loans | 4.7367% | 160 |
Loan loss allowance to noncurrent loans | 252.8536% | 1,554 |
Noncurrent assets plus other real estate owned to assets | 1.3467% | 3,263 |
Noncurrent loans to loans | 1.8733% | 2,769 |
Net loans and leases to total assets | 68.4845% | 1,928 |
Net loans and leases to deposits | 74.0899% | 2,909 |
Net loans and leases to core deposits | 77.8352% | 3,094 |
Total domestic deposits to total assets | 92.4344% | 182 |
Equity capital to assets | 7.4854% | 6,599 |
Core capital (leverage) ratio | 7.4854% | 6,479 |
Tier 1 risk-based capital ratio | 11.6267% | 6,118 |
Total risk-based capital ratio | 12.9243% | 6,075 |
Memoranda: | ||
Average total assets | $29,879,000 | 6,709 |
Average earning assets | $24,849,000 | 6,747 |
Average equity | $2,374,000 | 6,838 |
Average total loans | $21,375,000 | 6,295 |
2012-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.7651% | 388 |
Cost of funding earning assets | 0.7131% | 3,380 |
Net interest margin | 5.0520% | 352 |
Noninterest income to average assets | -0.3072% | 6,997 |
Noninterest expense to average assets | 6.0225% | 220 |
Loan and lease loss provision to assets | 1.0784% | 356 |
Net operating income to assets | -3.0325% | 7,009 |
Return on assets (ROA) | -3.0325% | 7,013 |
Pretax return on assets | -3.0325% | 7,015 |
Return on Equity (ROE) | -48.8215% | 7,017 |
Retained earnings to average equity (ytd only) | -48.8215% | 7,011 |
Net charge-offs to loans | 1.5785% | 543 |
Credit loss provision to net charge-offs | 87.0712% | 3,588 |
Earnings coverage of net charge-offs (x) | -1.5778% | 5,813 |
Efficiency ratio | 148.0321% | 94 |
Assets per employee ($millions) | 5.9666% | 1,298 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
Condition Ratios (%) | ||
Loss allowance to loans | 4.2756% | 231 |
Loan loss allowance to noncurrent loans | 158.7413% | 2,258 |
Noncurrent assets plus other real estate owned to assets | 1.9173% | 2,548 |
Noncurrent loans to loans | 2.6934% | 1,962 |
Net loans and leases to total assets | 68.1427% | 2,160 |
Net loans and leases to deposits | 74.5553% | 3,011 |
Net loans and leases to core deposits | 78.3754% | 3,211 |
Total domestic deposits to total assets | 91.3988% | 367 |
Equity capital to assets | 8.4068% | 6,117 |
Core capital (leverage) ratio | 8.4068% | 5,749 |
Tier 1 risk-based capital ratio | 13.0843% | 5,047 |
Total risk-based capital ratio | 14.3781% | 4,966 |
Memoranda: | ||
Average total assets | $30,601,800 | 6,742 |
Average earning assets | $26,504,200 | 6,753 |
Average equity | $1,900,800 | 6,966 |
Average total loans | $24,009,800 | 6,239 |
2012-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.9119% | 325 |
Cost of funding earning assets | 0.7502% | 3,348 |
Net interest margin | 5.1618% | 307 |
Noninterest income to average assets | -0.4719% | 7,126 |
Noninterest expense to average assets | 5.6243% | 249 |
Loan and lease loss provision to assets | 0.7923% | 599 |
Net operating income to assets | -2.3900% | 7,082 |
Return on assets (ROA) | -2.3900% | 7,084 |
Pretax return on assets | -2.3900% | 7,070 |
Return on Equity (ROE) | -42.0800% | 7,103 |
Retained earnings to average equity (ytd only) | -42.0800% | 7,096 |
Net charge-offs to loans | 1.3170% | 715 |
Credit loss provision to net charge-offs | 75.0000% | 3,770 |
Earnings coverage of net charge-offs (x) | -1.5123% | 5,620 |
Efficiency ratio | 139.6774% | 120 |
Assets per employee ($millions) | 6.0390% | 1,225 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.9914% | 314 |
Loan loss allowance to noncurrent loans | 154.4828% | 2,231 |
Noncurrent assets plus other real estate owned to assets | 1.9208% | 2,755 |
Noncurrent loans to loans | 2.5837% | 2,212 |
Net loans and leases to total assets | 71.3761% | 1,668 |
Net loans and leases to deposits | 75.2698% | 3,100 |
Net loans and leases to core deposits | 78.9248% | 3,337 |
Total domestic deposits to total assets | 94.8270% | 44 |
Equity capital to assets | 5.0373% | 7,047 |
Core capital (leverage) ratio | 5.0373% | 7,024 |
Tier 1 risk-based capital ratio | 7.3667% | 7,027 |
Total risk-based capital ratio | 8.6550% | 7,026 |
Memoranda: | ||
Average total assets | $30,794,000 | 6,822 |
Average earning assets | $26,837,750 | 6,830 |
Average equity | $1,749,000 | 7,085 |
Average total loans | $24,703,000 | 6,298 |
2012-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.7889% | 413 |
Cost of funding earning assets | 0.7608% | 3,512 |
Net interest margin | 5.0282% | 383 |
Noninterest income to average assets | -0.8260% | 7,212 |
Noninterest expense to average assets | 5.8141% | 237 |
Loan and lease loss provision to assets | 0.6517% | 871 |
Net operating income to assets | -2.8135% | 7,145 |
Return on assets (ROA) | -2.8135% | 7,152 |
Pretax return on assets | -2.8135% | 7,140 |
Return on Equity (ROE) | -47.7808% | 7,162 |
Retained earnings to average equity (ytd only) | -47.7808% | 7,157 |
Net charge-offs to loans | 1.9171% | 452 |
Credit loss provision to net charge-offs | 41.3934% | 4,234 |
Earnings coverage of net charge-offs (x) | -1.3730% | 5,343 |
Efficiency ratio | 159.1873% | 86 |
Assets per employee ($millions) | 6.1226% | 1,155 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.2323% | 625 |
Loan loss allowance to noncurrent loans | 175.0538% | 1,936 |
Noncurrent assets plus other real estate owned to assets | 1.5190% | 3,427 |
Noncurrent loans to loans | 1.8465% | 3,153 |
Net loans and leases to total assets | 79.6034% | 551 |
Net loans and leases to deposits | 84.1936% | 1,830 |
Net loans and leases to core deposits | 86.4363% | 2,371 |
Total domestic deposits to total assets | 94.5481% | 67 |
Equity capital to assets | 5.3474% | 7,078 |
Core capital (leverage) ratio | 5.3474% | 7,044 |
Tier 1 risk-based capital ratio | 7.2392% | 7,081 |
Total risk-based capital ratio | 8.5172% | 7,081 |
Memoranda: | ||
Average total assets | $30,993,670 | 6,865 |
Average earning assets | $27,604,330 | 6,863 |
Average equity | $1,825,000 | 7,120 |
Average total loans | $25,454,670 | 6,290 |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.8287% | 408 |
Cost of funding earning assets | 0.7791% | 3,633 |
Net interest margin | 5.0496% | 365 |
Noninterest income to average assets | -2.7193% | 7,304 |
Noninterest expense to average assets | 5.7209% | 233 |
Loan and lease loss provision to assets | 0.0000% | 5,254 |
Net operating income to assets | -3.9507% | 7,255 |
Return on assets (ROA) | -3.9507% | 7,256 |
Pretax return on assets | -3.9507% | 7,249 |
Return on Equity (ROE) | -64.2001% | 7,246 |
Retained earnings to average equity (ytd only) | -64.2001% | 7,238 |
Net charge-offs to loans | 0.0000% | 4,730 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 323.1884% | 16 |
Assets per employee ($millions) | 5.2247% | 1,965 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.7874% | 434 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.6220% | 5,340 |
Noncurrent loans to loans | 0.0000% | 6,812 |
Net loans and leases to total assets | 77.5520% | 632 |
Net loans and leases to deposits | 82.2847% | 1,897 |
Net loans and leases to core deposits | 82.2847% | 2,790 |
Total domestic deposits to total assets | 94.2484% | 84 |
Equity capital to assets | 5.6303% | 7,098 |
Core capital (leverage) ratio | 5.6303% | 7,074 |
Tier 1 risk-based capital ratio | 7.7192% | 7,098 |
Total risk-based capital ratio | 9.0050% | 7,099 |
Memoranda: | ||
Average total assets | $31,184,000 | 6,920 |
Average earning assets | $27,725,000 | 6,914 |
Average equity | $1,919,000 | 7,159 |
Average total loans | $25,590,500 | 6,328 |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.0343% | 409 |
Cost of funding earning assets | 1.0007% | 3,375 |
Net interest margin | 5.0336% | 389 |
Noninterest income to average assets | 0.0029% | 6,974 |
Noninterest expense to average assets | 6.4808% | 171 |
Loan and lease loss provision to assets | 0.3036% | 3,239 |
Net operating income to assets | -2.3636% | 7,092 |
Return on assets (ROA) | -2.3636% | 7,102 |
Pretax return on assets | -2.3636% | 7,095 |
Return on Equity (ROE) | -33.1624% | 7,114 |
Retained earnings to average equity (ytd only) | -33.1624% | 7,108 |
Net charge-offs to loans | 1.7817% | 833 |
Credit loss provision to net charge-offs | 20.7661% | 5,909 |
Earnings coverage of net charge-offs (x) | -1.4093% | 6,244 |
Efficiency ratio | 146.6000% | 154 |
Assets per employee ($millions) | 4.4314% | 3,017 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.6931% | 468 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 3.9426% | 1,458 |
Noncurrent loans to loans | 0.0000% | 6,879 |
Net loans and leases to total assets | 80.4513% | 450 |
Net loans and leases to deposits | 88.5090% | 1,320 |
Net loans and leases to core deposits | 88.5090% | 2,320 |
Total domestic deposits to total assets | 90.8962% | 542 |
Equity capital to assets | 6.6828% | 7,025 |
Core capital (leverage) ratio | 6.4670% | 6,984 |
Tier 1 risk-based capital ratio | 8.7163% | 7,059 |
Total risk-based capital ratio | 9.9987% | 7,057 |
Memoranda: | ||
Average total assets | $33,930,800 | 6,863 |
Average earning assets | $29,780,000 | 6,876 |
Average equity | $2,418,400 | 7,138 |
Average total loans | $27,838,200 | 6,257 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.0665% | 410 |
Cost of funding earning assets | 1.0522% | 3,305 |
Net interest margin | 5.0143% | 400 |
Noninterest income to average assets | 0.2270% | 5,992 |
Noninterest expense to average assets | 6.8091% | 147 |
Loan and lease loss provision to assets | 0.3924% | 2,504 |
Net operating income to assets | -2.5928% | 7,223 |
Return on assets (ROA) | -2.5928% | 7,235 |
Pretax return on assets | -2.5928% | 7,227 |
Return on Equity (ROE) | -35.8774% | 7,231 |
Retained earnings to average equity (ytd only) | -35.8774% | 7,224 |
Net charge-offs to loans | 2.4435% | 452 |
Credit loss provision to net charge-offs | 19.6532% | 5,562 |
Earnings coverage of net charge-offs (x) | -1.1021% | 5,944 |
Efficiency ratio | 147.4958% | 150 |
Assets per employee ($millions) | 4.6466% | 2,698 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.6774% | 497 |
Loan loss allowance to noncurrent loans | 448.5577% | 713 |
Noncurrent assets plus other real estate owned to assets | 4.6148% | 1,291 |
Noncurrent loans to loans | 0.8198% | 5,228 |
Net loans and leases to total assets | 75.1337% | 1,122 |
Net loans and leases to deposits | 82.6921% | 2,226 |
Net loans and leases to core deposits | 84.1268% | 3,049 |
Total domestic deposits to total assets | 90.8596% | 490 |
Equity capital to assets | 6.7669% | 7,097 |
Core capital (leverage) ratio | 6.7669% | 7,018 |
Tier 1 risk-based capital ratio | 8.9741% | 7,118 |
Total risk-based capital ratio | 10.2544% | 7,108 |
Memoranda: | ||
Average total assets | $34,658,500 | 6,902 |
Average earning assets | $30,285,750 | 6,926 |
Average equity | $2,504,750 | 7,186 |
Average total loans | $28,319,500 | 6,288 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.9252% | 550 |
Cost of funding earning assets | 1.0832% | 3,367 |
Net interest margin | 4.8420% | 566 |
Noninterest income to average assets | 0.2149% | 6,131 |
Noninterest expense to average assets | 6.6442% | 162 |
Loan and lease loss provision to assets | 0.5711% | 1,695 |
Net operating income to assets | -2.7538% | 7,286 |
Return on assets (ROA) | -2.7538% | 7,292 |
Pretax return on assets | -2.7538% | 7,279 |
Return on Equity (ROE) | -37.3753% | 7,296 |
Retained earnings to average equity (ytd only) | -37.3753% | 7,290 |
Net charge-offs to loans | 0.4437% | 2,796 |
Credit loss provision to net charge-offs | 155.3846% | 1,957 |
Earnings coverage of net charge-offs (x) | -5.9385% | 5,801 |
Efficiency ratio | 148.6692% | 163 |
Assets per employee ($millions) | 4.0666% | 3,613 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
Condition Ratios (%) | ||
Loss allowance to loans | 4.9305% | 194 |
Loan loss allowance to noncurrent loans | 120.5217% | 2,432 |
Noncurrent assets plus other real estate owned to assets | 4.2910% | 1,479 |
Noncurrent loans to loans | 4.0909% | 1,683 |
Net loans and leases to total assets | 82.1474% | 358 |
Net loans and leases to deposits | 88.8110% | 1,394 |
Net loans and leases to core deposits | 95.9639% | 1,684 |
Total domestic deposits to total assets | 92.4968% | 160 |
Equity capital to assets | 7.3402% | 7,018 |
Core capital (leverage) ratio | 7.3402% | 6,847 |
Tier 1 risk-based capital ratio | 9.9695% | 6,986 |
Total risk-based capital ratio | 11.2762% | 6,964 |
Memoranda: | ||
Average total assets | $35,369,330 | 6,941 |
Average earning assets | $31,020,000 | 6,966 |
Average equity | $2,606,000 | 7,224 |
Average total loans | $29,302,330 | 6,317 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.0093% | 460 |
Cost of funding earning assets | 1.1891% | 2,888 |
Net interest margin | 4.8202% | 549 |
Noninterest income to average assets | 0.2283% | 6,089 |
Noninterest expense to average assets | 6.7197% | 161 |
Loan and lease loss provision to assets | 1.0873% | 673 |
Net operating income to assets | -3.4794% | 7,425 |
Return on assets (ROA) | -3.4794% | 7,429 |
Pretax return on assets | -3.4794% | 7,413 |
Return on Equity (ROE) | -47.1455% | 7,401 |
Retained earnings to average equity (ytd only) | -47.1455% | 7,388 |
Net charge-offs to loans | 0.0000% | 5,107 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 155.0251% | 141 |
Assets per employee ($millions) | 4.4510% | 2,976 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
Condition Ratios (%) | ||
Loss allowance to loans | 5.0112% | 189 |
Loan loss allowance to noncurrent loans | 155.4126% | 1,889 |
Noncurrent assets plus other real estate owned to assets | 3.3111% | 2,061 |
Noncurrent loans to loans | 3.2245% | 2,329 |
Net loans and leases to total assets | 77.1877% | 851 |
Net loans and leases to deposits | 83.2778% | 2,140 |
Net loans and leases to core deposits | 89.3502% | 2,433 |
Total domestic deposits to total assets | 92.6870% | 162 |
Equity capital to assets | 7.1754% | 7,026 |
Core capital (leverage) ratio | 7.1754% | 6,929 |
Tier 1 risk-based capital ratio | 9.4644% | 7,150 |
Total risk-based capital ratio | 10.7646% | 7,145 |
Memoranda: | ||
Average total assets | $36,787,500 | 6,938 |
Average earning assets | $31,285,000 | 7,006 |
Average equity | $2,715,000 | 7,240 |
Average total loans | $29,898,000 | 6,338 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.1091% | 687 |
Cost of funding earning assets | 1.2037% | 4,543 |
Net interest margin | 4.9054% | 543 |
Noninterest income to average assets | 0.1183% | 6,814 |
Noninterest expense to average assets | 4.9539% | 429 |
Loan and lease loss provision to assets | 1.8468% | 742 |
Net operating income to assets | -2.2171% | 7,118 |
Return on assets (ROA) | -2.2171% | 7,132 |
Pretax return on assets | -2.2171% | 7,093 |
Return on Equity (ROE) | -26.2245% | 7,161 |
Retained earnings to average equity (ytd only) | -26.2245% | 7,144 |
Net charge-offs to loans | 0.5279% | 3,513 |
Credit loss provision to net charge-offs | 415.0289% | 577 |
Earnings coverage of net charge-offs (x) | -0.8324% | 6,561 |
Efficiency ratio | 107.2391% | 596 |
Assets per employee ($millions) | 4.7459% | 2,497 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
Condition Ratios (%) | ||
Loss allowance to loans | 4.3745% | 291 |
Loan loss allowance to noncurrent loans | 128.2051% | 2,289 |
Noncurrent assets plus other real estate owned to assets | 3.4214% | 2,043 |
Noncurrent loans to loans | 3.4121% | 2,225 |
Net loans and leases to total assets | 77.7280% | 985 |
Net loans and leases to deposits | 84.1897% | 2,422 |
Net loans and leases to core deposits | 92.8778% | 2,399 |
Total domestic deposits to total assets | 92.3249% | 216 |
Equity capital to assets | 7.5724% | 6,839 |
Core capital (leverage) ratio | 7.5724% | 6,640 |
Tier 1 risk-based capital ratio | 10.0693% | 6,948 |
Total risk-based capital ratio | 11.3617% | 6,909 |
Memoranda: | ||
Average total assets | $38,878,800 | 6,906 |
Average earning assets | $35,389,600 | 6,903 |
Average equity | $3,287,000 | 7,196 |
Average total loans | $32,774,000 | 6,270 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.0502% | 843 |
Cost of funding earning assets | 1.2189% | 4,750 |
Net interest margin | 4.8313% | 632 |
Noninterest income to average assets | 0.2011% | 6,459 |
Noninterest expense to average assets | 5.0459% | 370 |
Loan and lease loss provision to assets | 2.4479% | 442 |
Net operating income to assets | -2.8196% | 7,413 |
Return on assets (ROA) | -2.8196% | 7,430 |
Pretax return on assets | -2.8196% | 7,380 |
Return on Equity (ROE) | -32.5263% | 7,422 |
Retained earnings to average equity (ytd only) | -32.5263% | 7,417 |
Net charge-offs to loans | 0.6937% | 2,681 |
Credit loss provision to net charge-offs | 415.0289% | 723 |
Earnings coverage of net charge-offs (x) | -0.6301% | 6,369 |
Efficiency ratio | 107.0751% | 578 |
Assets per employee ($millions) | 4.6213% | 2,719 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
Condition Ratios (%) | ||
Loss allowance to loans | 4.3847% | 269 |
Loan loss allowance to noncurrent loans | 140.1869% | 2,014 |
Noncurrent assets plus other real estate owned to assets | 4.6714% | 1,421 |
Noncurrent loans to loans | 3.1277% | 2,551 |
Net loans and leases to total assets | 79.6294% | 799 |
Net loans and leases to deposits | 86.5929% | 2,223 |
Net loans and leases to core deposits | 95.8332% | 2,281 |
Total domestic deposits to total assets | 91.9583% | 199 |
Equity capital to assets | 7.8712% | 6,886 |
Core capital (leverage) ratio | 7.8712% | 6,496 |
Tier 1 risk-based capital ratio | 10.1151% | 7,003 |
Total risk-based capital ratio | 11.4081% | 6,960 |
Memoranda: | ||
Average total assets | $39,106,750 | 6,980 |
Average earning assets | $36,207,250 | 6,950 |
Average equity | $3,390,000 | 7,257 |
Average total loans | $33,252,250 | 6,333 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.9418% | 1,075 |
Cost of funding earning assets | 1.2033% | 5,117 |
Net interest margin | 4.7385% | 749 |
Noninterest income to average assets | 0.1858% | 6,574 |
Noninterest expense to average assets | 4.6862% | 482 |
Loan and lease loss provision to assets | 1.3310% | 1,020 |
Net operating income to assets | -1.3612% | 7,103 |
Return on assets (ROA) | -1.3612% | 7,117 |
Pretax return on assets | -1.3612% | 7,036 |
Return on Equity (ROE) | -15.2676% | 7,153 |
Retained earnings to average equity (ytd only) | -15.2676% | 7,111 |
Net charge-offs to loans | 0.0000% | 6,371 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 99.7843% | 808 |
Assets per employee ($millions) | 4.7313% | 2,534 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.2326% | 681 |
Loan loss allowance to noncurrent loans | 74.0484% | 3,649 |
Noncurrent assets plus other real estate owned to assets | 5.3606% | 1,164 |
Noncurrent loans to loans | 4.3656% | 1,688 |
Net loans and leases to total assets | 84.6235% | 309 |
Net loans and leases to deposits | 93.3248% | 1,364 |
Net loans and leases to core deposits | 105.9929% | 1,449 |
Total domestic deposits to total assets | 90.6764% | 612 |
Equity capital to assets | 9.1572% | 5,204 |
Core capital (leverage) ratio | 9.1572% | 4,365 |
Tier 1 risk-based capital ratio | 11.5253% | 5,749 |
Total risk-based capital ratio | 12.8022% | 5,689 |
Memoranda: | ||
Average total assets | $39,819,000 | 7,004 |
Average earning assets | $37,564,670 | 6,945 |
Average equity | $3,550,000 | 7,251 |
Average total loans | $34,073,330 | 6,330 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.5892% | 2,197 |
Cost of funding earning assets | 1.2079% | 5,360 |
Net interest margin | 4.3813% | 1,442 |
Noninterest income to average assets | 0.1568% | 6,846 |
Noninterest expense to average assets | 4.5976% | 516 |
Loan and lease loss provision to assets | 2.5978% | 400 |
Net operating income to assets | -2.8429% | 7,619 |
Return on assets (ROA) | -2.8429% | 7,620 |
Pretax return on assets | -2.8429% | 7,579 |
Return on Equity (ROE) | -32.2940% | 7,598 |
Retained earnings to average equity (ytd only) | -32.2940% | 7,576 |
Net charge-offs to loans | 0.0000% | 5,609 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 104.7297% | 705 |
Assets per employee ($millions) | 4.9698% | 2,271 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.1643% | 720 |
Loan loss allowance to noncurrent loans | 77.4240% | 3,517 |
Noncurrent assets plus other real estate owned to assets | 4.9449% | 1,314 |
Noncurrent loans to loans | 4.0869% | 1,900 |
Net loans and leases to total assets | 82.3608% | 548 |
Net loans and leases to deposits | 90.3111% | 1,859 |
Net loans and leases to core deposits | 101.6200% | 1,960 |
Total domestic deposits to total assets | 91.1967% | 464 |
Equity capital to assets | 8.6700% | 5,773 |
Core capital (leverage) ratio | 8.6700% | 5,073 |
Tier 1 risk-based capital ratio | 10.9700% | 6,188 |
Total risk-based capital ratio | 12.2462% | 6,128 |
Memoranda: | ||
Average total assets | $40,803,500 | 7,059 |
Average earning assets | $39,075,500 | 6,968 |
Average equity | $3,592,000 | 7,315 |
Average total loans | $34,560,000 | 6,394 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3749% | 4,813 |
Cost of funding earning assets | 2.0937% | 2,495 |
Net interest margin | 3.2812% | 5,815 |
Noninterest income to average assets | 0.2509% | 6,311 |
Noninterest expense to average assets | 4.2979% | 991 |
Loan and lease loss provision to assets | 3.6533% | 411 |
Net operating income to assets | -6.3766% | 7,854 |
Return on assets (ROA) | -6.3766% | 7,848 |
Pretax return on assets | -4.6462% | 7,660 |
Return on Equity (ROE) | -55.2681% | 7,727 |
Retained earnings to average equity (ytd only) | -55.2681% | 7,722 |
Net charge-offs to loans | 4.0887% | 394 |
Credit loss provision to net charge-offs | 112.0027% | 4,895 |
Earnings coverage of net charge-offs (x) | -0.3044% | 6,553 |
Efficiency ratio | 129.2539% | 485 |
Assets per employee ($millions) | 5.2311% | 1,914 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.2801% | 1,516 |
Loan loss allowance to noncurrent loans | 125.0000% | 2,260 |
Noncurrent assets plus other real estate owned to assets | 2.9344% | 2,387 |
Noncurrent loans to loans | 1.8241% | 3,891 |
Net loans and leases to total assets | 82.4392% | 622 |
Net loans and leases to deposits | 90.6535% | 2,116 |
Net loans and leases to core deposits | 108.1471% | 3,090 |
Total domestic deposits to total assets | 90.9389% | 555 |
Equity capital to assets | 8.9297% | 5,250 |
Core capital (leverage) ratio | 8.9297% | 4,541 |
Tier 1 risk-based capital ratio | 11.2836% | 5,627 |
Total risk-based capital ratio | 12.5487% | 5,565 |
Memoranda: | ||
Average total assets | $46,231,600 | 6,863 |
Average earning assets | $43,033,200 | 6,814 |
Average equity | $5,334,000 | 6,828 |
Average total loans | $36,882,000 | 6,251 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2475% | 5,699 |
Cost of funding earning assets | 2.2594% | 2,154 |
Net interest margin | 2.9881% | 6,634 |
Noninterest income to average assets | 0.2789% | 6,241 |
Noninterest expense to average assets | 4.3272% | 878 |
Loan and lease loss provision to assets | 4.1385% | 279 |
Net operating income to assets | -7.6797% | 8,001 |
Return on assets (ROA) | -7.6797% | 8,000 |
Pretax return on assets | -5.4259% | 7,859 |
Return on Equity (ROE) | -63.3948% | 7,908 |
Retained earnings to average equity (ytd only) | -63.3948% | 7,906 |
Net charge-offs to loans | 4.2671% | 311 |
Credit loss provision to net charge-offs | 123.1350% | 4,100 |
Earnings coverage of net charge-offs (x) | -0.3831% | 6,415 |
Efficiency ratio | 141.5199% | 367 |
Assets per employee ($millions) | 4.9781% | 2,177 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.4388% | 1,126 |
Loan loss allowance to noncurrent loans | 107.0155% | 2,611 |
Noncurrent assets plus other real estate owned to assets | 3.1806% | 2,133 |
Noncurrent loans to loans | 2.2789% | 3,289 |
Net loans and leases to total assets | 80.3585% | 1,114 |
Net loans and leases to deposits | 88.2643% | 2,910 |
Net loans and leases to core deposits | 104.0700% | 3,924 |
Total domestic deposits to total assets | 91.0430% | 402 |
Equity capital to assets | 8.8365% | 5,729 |
Core capital (leverage) ratio | 8.8365% | 4,915 |
Tier 1 risk-based capital ratio | 10.9395% | 6,002 |
Total risk-based capital ratio | 12.2050% | 5,956 |
Memoranda: | ||
Average total assets | $47,327,250 | 6,863 |
Average earning assets | $43,727,500 | 6,829 |
Average equity | $5,733,250 | 6,764 |
Average total loans | $37,276,250 | 6,276 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0249% | 6,688 |
Cost of funding earning assets | 2.4784% | 1,690 |
Net interest margin | 2.5466% | 7,418 |
Noninterest income to average assets | 0.2989% | 6,123 |
Noninterest expense to average assets | 4.2600% | 1,002 |
Loan and lease loss provision to assets | 4.1977% | 283 |
Net operating income to assets | -3.6165% | 7,779 |
Return on assets (ROA) | -3.6165% | 7,779 |
Pretax return on assets | -5.8337% | 7,937 |
Return on Equity (ROE) | -27.5429% | 7,676 |
Retained earnings to average equity (ytd only) | -27.5429% | 7,649 |
Net charge-offs to loans | 4.4652% | 293 |
Credit loss provision to net charge-offs | 121.0778% | 3,830 |
Earnings coverage of net charge-offs (x) | -0.4719% | 6,061 |
Efficiency ratio | 161.3924% | 320 |
Assets per employee ($millions) | 4.5485% | 2,697 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0534% | 1,473 |
Loan loss allowance to noncurrent loans | 59.4796% | 4,487 |
Noncurrent assets plus other real estate owned to assets | 3.9374% | 1,522 |
Noncurrent loans to loans | 3.4523% | 2,036 |
Net loans and leases to total assets | 76.2697% | 2,120 |
Net loans and leases to deposits | 86.5483% | 3,454 |
Net loans and leases to core deposits | 109.8920% | 3,386 |
Total domestic deposits to total assets | 88.1238% | 1,703 |
Equity capital to assets | 11.6203% | 2,453 |
Core capital (leverage) ratio | 9.1994% | 4,310 |
Tier 1 risk-based capital ratio | 11.8978% | 5,003 |
Total risk-based capital ratio | 13.1593% | 4,912 |
Memoranda: | ||
Average total assets | $48,168,670 | 6,898 |
Average earning assets | $43,980,670 | 6,883 |
Average equity | $6,324,670 | 6,603 |
Average total loans | $37,400,670 | 6,325 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7913% | 7,383 |
Cost of funding earning assets | 2.5170% | 1,855 |
Net interest margin | 2.2743% | 7,741 |
Noninterest income to average assets | 0.3557% | 5,600 |
Noninterest expense to average assets | 4.4372% | 757 |
Loan and lease loss provision to assets | 0.9230% | 1,406 |
Net operating income to assets | -1.7783% | 7,594 |
Return on assets (ROA) | -1.7783% | 7,598 |
Pretax return on assets | -2.8622% | 7,730 |
Return on Equity (ROE) | -12.7660% | 7,510 |
Retained earnings to average equity (ytd only) | -12.7660% | 7,308 |
Net charge-offs to loans | 2.2610% | 641 |
Credit loss provision to net charge-offs | 52.6570% | 4,631 |
Earnings coverage of net charge-offs (x) | -1.1063% | 5,384 |
Efficiency ratio | 176.6102% | 254 |
Assets per employee ($millions) | 4.7790% | 2,323 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3904% | 3,556 |
Loan loss allowance to noncurrent loans | 31.0142% | 6,479 |
Noncurrent assets plus other real estate owned to assets | 3.2262% | 1,711 |
Noncurrent loans to loans | 4.4831% | 1,283 |
Net loans and leases to total assets | 70.9639% | 3,478 |
Net loans and leases to deposits | 81.1472% | 4,430 |
Net loans and leases to core deposits | 100.3146% | 4,509 |
Total domestic deposits to total assets | 87.4508% | 1,991 |
Equity capital to assets | 12.3171% | 2,071 |
Core capital (leverage) ratio | 10.7415% | 2,706 |
Tier 1 risk-based capital ratio | 15.3308% | 2,924 |
Total risk-based capital ratio | 16.5828% | 2,863 |
Memoranda: | ||
Average total assets | $47,236,500 | 6,970 |
Average earning assets | $44,497,000 | 6,902 |
Average equity | $6,580,000 | 6,554 |
Average total loans | $36,621,000 | 6,406 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.1604% | 4,721 |
Cost of funding earning assets | 2.4874% | 4,272 |
Net interest margin | 3.6730% | 4,591 |
Noninterest income to average assets | 0.0422% | 7,926 |
Noninterest expense to average assets | 6.4796% | 335 |
Loan and lease loss provision to assets | 1.9105% | 652 |
Net operating income to assets | -3.0729% | 7,842 |
Return on assets (ROA) | -3.0729% | 7,812 |
Pretax return on assets | -4.9489% | 8,019 |
Return on Equity (ROE) | -11.2900% | 7,370 |
Retained earnings to average equity (ytd only) | -11.2900% | 7,183 |
Net charge-offs to loans | 0.0000% | 7,039 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 187.2910% | 224 |
Assets per employee ($millions) | 3.4920% | 4,688 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7622% | 1,731 |
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 | 83.0159% | 1,044 |
Net loans and leases to deposits | 99.1337% | 1,970 |
Net loans and leases to core deposits | 112.5902% | 3,499 |
Total domestic deposits to total assets | 83.7414% | 3,465 |
Equity capital to assets | 15.9531% | 944 |
Core capital (leverage) ratio | 14.3173% | 1,182 |
Tier 1 risk-based capital ratio | 17.2865% | 2,236 |
Total risk-based capital ratio | 18.5436% | 2,185 |
Memoranda: | ||
Average total assets | $26,066,600 | 7,803 |
Average earning assets | $24,121,800 | 7,776 |
Average equity | $7,094,800 | 6,425 |
Average total loans | $21,687,800 | 7,214 |