Home > HSBC Bank Nevada > Performance and Condition Ratios
HSBC Bank Nevada, Performance and Condition Ratios
| 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 | 0.4410% | 6,921 |
| Cost of funding earning assets | 0.9284% | 782 |
| Net interest margin | -0.4874% | 6,939 |
| Noninterest income to average assets | 0.0440% | 6,689 |
| Noninterest expense to average assets | 0.0492% | 6,937 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | -0.3040% | 6,550 |
| Return on assets (ROA) | -0.3040% | 6,581 |
| Pretax return on assets | -0.4721% | 6,618 |
| Return on Equity (ROE) | -0.3613% | 6,401 |
| Retained earnings to average equity (ytd only) | -0.3613% | 5,927 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | -11.6308% | 6,935 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,904 |
| Net loans and leases to deposits | NA | NA |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.0000% | 6,948 |
| Equity capital to assets | 71.4344% | 31 |
| Core capital (leverage) ratio | 71.5790% | 29 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $768,498,330 | 876 |
| Average earning assets | $736,131,330 | 831 |
| Average equity | $646,501,000 | 164 |
| Average total loans | NA | NA |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.4442% | 6,999 |
| Cost of funding earning assets | 0.9744% | 692 |
| Net interest margin | -0.5303% | 7,017 |
| Noninterest income to average assets | 0.0540% | 6,718 |
| Noninterest expense to average assets | 0.0805% | 7,017 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.3418% | 6,601 |
| Return on assets (ROA) | -0.3418% | 6,631 |
| Pretax return on assets | -0.5302% | 6,687 |
| Return on Equity (ROE) | -0.3924% | 6,454 |
| Retained earnings to average equity (ytd only) | -0.3924% | 5,856 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | -17.9048% | 7,014 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,982 |
| Net loans and leases to deposits | NA | NA |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.0000% | 7,027 |
| Equity capital to assets | 71.6824% | 31 |
| Core capital (leverage) ratio | 41.7303% | 41 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $933,907,000 | 720 |
| Average earning assets | $887,074,500 | 680 |
| Average equity | $813,424,000 | 145 |
| Average total loans | NA | NA |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.4809% | 7,057 |
| Cost of funding earning assets | 0.1502% | 6,915 |
| Net interest margin | 0.3307% | 7,064 |
| Noninterest income to average assets | 81.6003% | 16 |
| Noninterest expense to average assets | 0.0136% | 7,080 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 52.7532% | 2 |
| Return on assets (ROA) | 52.5588% | 2 |
| Pretax return on assets | 81.6686% | 2 |
| Return on Equity (ROE) | 66.4833% | 9 |
| Retained earnings to average equity (ytd only) | -3.6195% | 6,321 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 0.0166% | 7,076 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 105.4443% | 421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,047 |
| Net loans and leases to deposits | NA | NA |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.0000% | 7,090 |
| Equity capital to assets | 91.8031% | 10 |
| Core capital (leverage) ratio | 91.6017% | 6 |
| Tier 1 risk-based capital ratio | 4,973.5880% | 1 |
| Total risk-based capital ratio | 4,973.5880% | 1 |
| Memoranda: | ||
| Average total assets | $1,984,833,200 | 356 |
| Average earning assets | $1,626,164,200 | 381 |
| Average equity | $1,569,124,200 | 87 |
| Average total loans | NA | NA |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.5020% | 7,166 |
| Cost of funding earning assets | 0.0870% | 7,127 |
| Net interest margin | 0.4150% | 7,164 |
| Noninterest income to average assets | 101.7039% | 11 |
| Noninterest expense to average assets | 0.0106% | 7,180 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 65.7491% | 2 |
| Return on assets (ROA) | 65.4530% | 2 |
| Pretax return on assets | 101.7275% | 2 |
| Return on Equity (ROE) | 85.1059% | 5 |
| Retained earnings to average equity (ytd only) | -4.7089% | 6,596 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 0.0104% | 7,175 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 105.5330% | 284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,148 |
| Net loans and leases to deposits | NA | NA |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.0000% | 7,189 |
| Equity capital to assets | 91.4652% | 9 |
| Core capital (leverage) ratio | 73.4936% | 26 |
| Tier 1 risk-based capital ratio | 3,394.2040% | 2 |
| Total risk-based capital ratio | 3,394.6823% | 2 |
| Memoranda: | ||
| Average total assets | $2,123,258,750 | 342 |
| Average earning assets | $1,689,840,000 | 368 |
| Average equity | $1,632,949,500 | 83 |
| Average total loans | NA | NA |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.4216% | 7,230 |
| Cost of funding earning assets | 0.1219% | 7,157 |
| Net interest margin | 0.2997% | 7,233 |
| Noninterest income to average assets | 137.6976% | 8 |
| Noninterest expense to average assets | 0.0144% | 7,244 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 88.8744% | 2 |
| Return on assets (ROA) | 88.6802% | 2 |
| Pretax return on assets | 137.7178% | 2 |
| Return on Equity (ROE) | 119.9255% | 4 |
| Retained earnings to average equity (ytd only) | 119.9255% | 2 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 0.0104% | 7,237 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,209 |
| Net loans and leases to deposits | NA | NA |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.0000% | 7,254 |
| Equity capital to assets | 83.0556% | 17 |
| Core capital (leverage) ratio | 74.4110% | 25 |
| Tier 1 risk-based capital ratio | 5,601.8915% | 2 |
| Total risk-based capital ratio | 5,602.2443% | 2 |
| Memoranda: | ||
| Average total assets | $2,352,427,670 | 306 |
| Average earning assets | $1,795,229,330 | 351 |
| Average equity | $1,739,528,000 | 79 |
| Average total loans | NA | NA |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.4400% | 7,292 |
| Cost of funding earning assets | 0.1210% | 7,228 |
| Net interest margin | 0.3190% | 7,296 |
| Noninterest income to average assets | 0.0000% | 7,087 |
| Noninterest expense to average assets | 0.0025% | 7,308 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -0.0541% | 6,488 |
| Return on assets (ROA) | 12.1500% | 13 |
| Pretax return on assets | 12.3973% | 27 |
| Return on Equity (ROE) | 17.9820% | 551 |
| Retained earnings to average equity (ytd only) | 17.9820% | 256 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 1.2808% | 7,298 |
| Assets per employee ($millions) | 4.4354% | 3,118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,271 |
| Net loans and leases to deposits | 0.0000% | 7,271 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.0235% | 7,316 |
| Equity capital to assets | 67.4888% | 29 |
| Core capital (leverage) ratio | 68.1720% | 26 |
| Tier 1 risk-based capital ratio | 193.9755% | 25 |
| Total risk-based capital ratio | 193.9935% | 25 |
| Memoranda: | ||
| Average total assets | $2,075,454,000 | 341 |
| Average earning assets | $1,272,589,000 | 479 |
| Average equity | $1,402,338,000 | 97 |
| Average total loans | NA | NA |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6009% | 7,311 |
| Cost of funding earning assets | 0.1135% | 7,296 |
| Net interest margin | 1.4874% | 7,287 |
| Noninterest income to average assets | 0.0000% | 6,982 |
| Noninterest expense to average assets | 0.0046% | 7,356 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.5964% | 4,013 |
| Return on assets (ROA) | 12.0708% | 12 |
| Pretax return on assets | 12.5944% | 21 |
| Return on Equity (ROE) | 17.3515% | 440 |
| Retained earnings to average equity (ytd only) | 1.1727% | 5,308 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 0.4904% | 7,354 |
| Assets per employee ($millions) | 4.2481% | 3,374 |
| Cash dividends to net income (ytd only)* | 93.2412% | 457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,320 |
| Net loans and leases to deposits | 0.0000% | 7,320 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.0247% | 7,363 |
| Equity capital to assets | 67.6506% | 31 |
| Core capital (leverage) ratio | 60.0271% | 30 |
| Tier 1 risk-based capital ratio | 192.8079% | 24 |
| Total risk-based capital ratio | 192.8281% | 24 |
| Memoranda: | ||
| Average total assets | $2,043,541,800 | 339 |
| Average earning assets | $1,274,987,200 | 469 |
| Average equity | $1,421,621,000 | 90 |
| Average total loans | NA | NA |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7322% | 7,382 |
| Cost of funding earning assets | 0.1075% | 7,382 |
| Net interest margin | 1.6246% | 7,356 |
| Noninterest income to average assets | 0.0135% | 7,069 |
| Noninterest expense to average assets | 0.0044% | 7,433 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.6659% | 3,793 |
| Return on assets (ROA) | 11.8067% | 14 |
| Pretax return on assets | 12.2373% | 23 |
| Return on Equity (ROE) | 16.8569% | 582 |
| Retained earnings to average equity (ytd only) | 16.8569% | 148 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 0.4220% | 7,426 |
| Assets per employee ($millions) | 4.2691% | 3,330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,401 |
| Net loans and leases to deposits | 0.0000% | 7,400 |
| Net loans and leases to core deposits | 0.0000% | 7,385 |
| Total domestic deposits to total assets | 0.0234% | 7,442 |
| Equity capital to assets | 71.6715% | 34 |
| Core capital (leverage) ratio | 69.1154% | 32 |
| Tier 1 risk-based capital ratio | 103.7005% | 53 |
| Total risk-based capital ratio | 103.7113% | 53 |
| Memoranda: | ||
| Average total assets | $2,047,840,250 | 339 |
| Average earning assets | $1,285,912,250 | 471 |
| Average equity | $1,434,317,250 | 90 |
| Average total loans | NA | NA |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8175% | 7,459 |
| Cost of funding earning assets | 0.1078% | 7,456 |
| Net interest margin | 1.7097% | 7,423 |
| Noninterest income to average assets | 54.2226% | 23 |
| Noninterest expense to average assets | 41.6666% | 24 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 8.7944% | 26 |
| Return on assets (ROA) | 8.8032% | 28 |
| Pretax return on assets | 13.6268% | 25 |
| Return on Equity (ROE) | 12.6739% | 1,284 |
| Retained earnings to average equity (ytd only) | 12.6739% | 425 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8189% | 5,275 |
| Assets per employee ($millions) | 3.9104% | 3,969 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,475 |
| Net loans and leases to deposits | 0.0000% | 7,474 |
| Net loans and leases to core deposits | 0.0000% | 7,460 |
| Total domestic deposits to total assets | 0.0243% | 7,518 |
| Equity capital to assets | 70.0367% | 35 |
| Core capital (leverage) ratio | 67.9042% | 36 |
| Tier 1 risk-based capital ratio | 97.0888% | 55 |
| Total risk-based capital ratio | 97.0955% | 56 |
| Memoranda: | ||
| Average total assets | $2,013,244,670 | 349 |
| Average earning assets | $1,244,881,330 | 491 |
| Average equity | $1,398,388,670 | 93 |
| Average total loans | NA | NA |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8770% | 7,512 |
| Cost of funding earning assets | 0.1264% | 7,514 |
| Net interest margin | 1.7507% | 7,463 |
| Noninterest income to average assets | 45.6352% | 25 |
| Noninterest expense to average assets | 40.1096% | 26 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 4.2543% | 64 |
| Return on assets (ROA) | 4.2593% | 67 |
| Pretax return on assets | 6.5922% | 52 |
| Return on Equity (ROE) | 6.1588% | 3,812 |
| Retained earnings to average equity (ytd only) | 6.1588% | 2,545 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0144% | 3,863 |
| Assets per employee ($millions) | 3.7967% | 4,305 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,537 |
| Net loans and leases to deposits | 0.0000% | 7,537 |
| Net loans and leases to core deposits | 0.0000% | 7,521 |
| Total domestic deposits to total assets | 0.0254% | 7,580 |
| Equity capital to assets | 69.7104% | 34 |
| Core capital (leverage) ratio | 65.0788% | 32 |
| Tier 1 risk-based capital ratio | 94.1339% | 55 |
| Total risk-based capital ratio | 94.1373% | 56 |
| Memoranda: | ||
| Average total assets | $1,983,616,000 | 353 |
| Average earning assets | $1,199,777,500 | 507 |
| Average equity | $1,371,827,500 | 95 |
| Average total loans | NA | NA |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9720% | 7,563 |
| Cost of funding earning assets | 0.0806% | 7,591 |
| Net interest margin | 1.8914% | 7,484 |
| Noninterest income to average assets | 41.4885% | 28 |
| Noninterest expense to average assets | 38.5185% | 29 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 2.5958% | 106 |
| Return on assets (ROA) | 2.5946% | 108 |
| Pretax return on assets | 4.0170% | 71 |
| Return on Equity (ROE) | 3.7588% | 4,630 |
| Retained earnings to average equity (ytd only) | 3.7588% | 3,234 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7721% | 3,240 |
| Assets per employee ($millions) | 3.7249% | 4,410 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,616 |
| Net loans and leases to deposits | 0.0000% | 7,616 |
| Net loans and leases to core deposits | 0.0000% | 7,598 |
| Total domestic deposits to total assets | 0.0253% | 7,660 |
| Equity capital to assets | 68.6064% | 37 |
| Core capital (leverage) ratio | 63.3147% | 38 |
| Tier 1 risk-based capital ratio | 92.6952% | 53 |
| Total risk-based capital ratio | 92.7008% | 53 |
| Memoranda: | ||
| Average total assets | $1,915,854,000 | 365 |
| Average earning assets | $1,062,435,400 | 569 |
| Average equity | $1,322,451,400 | 97 |
| Average total loans | NA | NA |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0113% | 7,690 |
| Cost of funding earning assets | 0.0720% | 7,709 |
| Net interest margin | 1.9392% | 7,592 |
| Noninterest income to average assets | 37.4190% | 29 |
| Noninterest expense to average assets | 37.0062% | 30 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.8704% | 2,732 |
| Return on assets (ROA) | 0.8745% | 2,849 |
| Pretax return on assets | 1.4726% | 1,677 |
| Return on Equity (ROE) | 1.2649% | 5,829 |
| Retained earnings to average equity (ytd only) | 1.2649% | 5,304 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5827% | 2,546 |
| Assets per employee ($millions) | 3.6319% | 4,659 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,720 |
| Net loans and leases to deposits | 0.0000% | 7,720 |
| Net loans and leases to core deposits | 0.0000% | 7,701 |
| Total domestic deposits to total assets | 0.0260% | 7,766 |
| Equity capital to assets | 68.8092% | 42 |
| Core capital (leverage) ratio | 63.0353% | 40 |
| Tier 1 risk-based capital ratio | 90.3322% | 62 |
| Total risk-based capital ratio | 90.3437% | 62 |
| Memoranda: | ||
| Average total assets | $1,898,480,000 | 367 |
| Average earning assets | $1,031,102,500 | 577 |
| Average equity | $1,312,545,000 | 97 |
| Average total loans | NA | NA |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0246% | 7,768 |
| Cost of funding earning assets | 0.0812% | 7,780 |
| Net interest margin | 1.9434% | 7,656 |
| Noninterest income to average assets | 36.3767% | 30 |
| Noninterest expense to average assets | 36.9156% | 29 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.2043% | 5,545 |
| Return on assets (ROA) | 0.2110% | 5,657 |
| Pretax return on assets | 0.5060% | 4,883 |
| Return on Equity (ROE) | 0.3047% | 6,129 |
| Retained earnings to average equity (ytd only) | 0.3047% | 5,636 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4612% | 2,376 |
| Assets per employee ($millions) | 3.4803% | 4,968 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,788 |
| Net loans and leases to deposits | 0.0000% | 7,788 |
| Net loans and leases to core deposits | 0.0000% | 7,770 |
| Total domestic deposits to total assets | 0.0269% | 7,836 |
| Equity capital to assets | 69.8465% | 43 |
| Core capital (leverage) ratio | 62.2282% | 39 |
| Tier 1 risk-based capital ratio | 93.7439% | 58 |
| Total risk-based capital ratio | 93.7568% | 58 |
| Memoranda: | ||
| Average total assets | $1,887,246,670 | 369 |
| Average earning assets | $1,004,637,000 | 593 |
| Average equity | $1,306,887,670 | 95 |
| Average total loans | NA | NA |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9543% | 7,878 |
| Cost of funding earning assets | 0.0795% | 7,884 |
| Net interest margin | 1.8748% | 7,761 |
| Noninterest income to average assets | 33.2090% | 30 |
| Noninterest expense to average assets | 34.9958% | 30 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | -0.5193% | 6,841 |
| Return on assets (ROA) | -0.5539% | 6,898 |
| Pretax return on assets | -0.8574% | 6,983 |
| Return on Equity (ROE) | -0.8034% | 6,503 |
| Retained earnings to average equity (ytd only) | -0.8034% | 6,014 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4642% | 2,214 |
| Assets per employee ($millions) | 3.6021% | 4,811 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,889 |
| Net loans and leases to deposits | 0.0000% | 7,889 |
| Net loans and leases to core deposits | 0.0000% | 7,870 |
| Total domestic deposits to total assets | 0.0269% | 7,939 |
| Equity capital to assets | 69.4947% | 36 |
| Core capital (leverage) ratio | 61.4209% | 37 |
| Tier 1 risk-based capital ratio | 90.7960% | 57 |
| Total risk-based capital ratio | 90.8018% | 58 |
| Memoranda: | ||
| Average total assets | $1,891,198,000 | 381 |
| Average earning assets | $991,265,500 | 617 |
| Average equity | $1,304,003,500 | 93 |
| Average total loans | NA | NA |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3436% | 7,914 |
| Cost of funding earning assets | 0.0687% | 7,971 |
| Net interest margin | 2.2748% | 7,606 |
| Noninterest income to average assets | 29.7350% | 37 |
| Noninterest expense to average assets | 34.1611% | 31 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | -1.9022% | 7,051 |
| Return on assets (ROA) | -2.0606% | 7,113 |
| Pretax return on assets | -3.6106% | 7,446 |
| Return on Equity (ROE) | -2.9177% | 5,973 |
| Retained earnings to average equity (ytd only) | -2.9177% | 5,684 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.4906% | 1,841 |
| Assets per employee ($millions) | 3.4839% | 5,041 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,964 |
| Net loans and leases to deposits | 0.0000% | 7,964 |
| Net loans and leases to core deposits | 0.0000% | 7,957 |
| Total domestic deposits to total assets | 0.0265% | 8,015 |
| Equity capital to assets | 68.4160% | 39 |
| Core capital (leverage) ratio | 62.4628% | 39 |
| Tier 1 risk-based capital ratio | 71.5874% | 86 |
| Total risk-based capital ratio | 71.5884% | 87 |
| Memoranda: | ||
| Average total assets | $1,862,258,000 | 382 |
| Average earning assets | $870,169,800 | 698 |
| Average equity | $1,315,183,000 | 91 |
| Average total loans | NA | NA |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5119% | 8,010 |
| Cost of funding earning assets | 0.0550% | 8,064 |
| Net interest margin | 2.4569% | 7,506 |
| Noninterest income to average assets | 27.0843% | 39 |
| Noninterest expense to average assets | 34.1646% | 29 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | -3.4920% | 7,688 |
| Return on assets (ROA) | -3.4920% | 7,691 |
| Pretax return on assets | -5.9642% | 7,904 |
| Return on Equity (ROE) | -4.9052% | 6,440 |
| Retained earnings to average equity (ytd only) | -4.9052% | 6,243 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.5083% | 1,247 |
| Assets per employee ($millions) | 3.3206% | 5,340 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| 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 | NA | NA |
| Net loans and leases to total assets | 0.0000% | 8,051 |
| Net loans and leases to deposits | 0.0000% | 8,051 |
| Net loans and leases to core deposits | 0.0000% | 8,041 |
| Total domestic deposits to total assets | 0.0275% | 8,102 |
| Equity capital to assets | 70.0063% | 39 |
| Core capital (leverage) ratio | 61.4425% | 41 |
| Tier 1 risk-based capital ratio | 70.5414% | 89 |
| Total risk-based capital ratio | 70.5414% | 93 |
| Memoranda: | ||
| Average total assets | $1,851,402,750 | 395 |
| Average earning assets | $841,042,000 | 737 |
| Average equity | $1,318,031,500 | 94 |
| Average total loans | NA | NA |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6377% | 8,098 |
| Cost of funding earning assets | 0.0575% | 8,157 |
| Net interest margin | 2.5802% | 7,380 |
| Noninterest income to average assets | 31.1556% | 37 |
| Noninterest expense to average assets | 33.8818% | 34 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | -0.5602% | 6,611 |
| Return on assets (ROA) | -0.5602% | 6,617 |
| Pretax return on assets | -1.5703% | 7,122 |
| Return on Equity (ROE) | -0.7826% | 6,044 |
| Retained earnings to average equity (ytd only) | -0.7826% | 5,422 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.3941% | 2,556 |
| Assets per employee ($millions) | 2.1761% | 7,703 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| 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 | NA | NA |
| Net loans and leases to total assets | 0.0000% | 8,143 |
| Net loans and leases to deposits | 0.0000% | 8,143 |
| Net loans and leases to core deposits | 0.0000% | 8,133 |
| Total domestic deposits to total assets | 0.0274% | 8,199 |
| Equity capital to assets | 71.5027% | 40 |
| Core capital (leverage) ratio | 63.8402% | 40 |
| Tier 1 risk-based capital ratio | 75.8017% | 91 |
| Total risk-based capital ratio | 75.8017% | 91 |
| Memoranda: | ||
| Average total assets | $1,855,333,000 | 400 |
| Average earning assets | $831,175,000 | 763 |
| Average equity | $1,328,094,000 | 97 |
| Average total loans | NA | NA |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7731% | 8,151 |
| Cost of funding earning assets | 0.0605% | 8,212 |
| Net interest margin | 2.7126% | 7,173 |
| Noninterest income to average assets | 39.2787% | 32 |
| Noninterest expense to average assets | 35.6665% | 39 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 3.7852% | 38 |
| Return on assets (ROA) | 3.7852% | 43 |
| Pretax return on assets | 4.7996% | 44 |
| Return on Equity (ROE) | 5.2850% | 4,339 |
| Retained earnings to average equity (ytd only) | 5.2850% | 2,969 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0142% | 4,371 |
| Assets per employee ($millions) | 2.0406% | 7,866 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| 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 | NA | NA |
| Net loans and leases to total assets | 0.0000% | 8,196 |
| Net loans and leases to deposits | 0.0000% | 8,196 |
| Net loans and leases to core deposits | 0.0000% | 8,185 |
| Total domestic deposits to total assets | 0.0269% | 8,250 |
| Equity capital to assets | 71.1257% | 38 |
| Core capital (leverage) ratio | 64.1302% | 50 |
| Tier 1 risk-based capital ratio | 75.2395% | 99 |
| Total risk-based capital ratio | 75.2395% | 100 |
| Memoranda: | ||
| Average total assets | $1,858,167,000 | 400 |
| Average earning assets | $813,390,000 | 784 |
| Average equity | $1,330,860,500 | 97 |
| Average total loans | NA | NA |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0175% | 8,102 |
| Cost of funding earning assets | 0.1723% | 8,249 |
| Net interest margin | 3.8451% | 3,813 |
| Noninterest income to average assets | 67.9453% | 22 |
| Noninterest expense to average assets | 48.5211% | 25 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 13.3228% | 15 |
| Return on assets (ROA) | 13.3228% | 17 |
| Pretax return on assets | 20.8215% | 16 |
| Return on Equity (ROE) | 19.0786% | 448 |
| Retained earnings to average equity (ytd only) | 9.8781% | 466 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5772% | 6,594 |
| Assets per employee ($millions) | 1.5714% | 8,143 |
| Cash dividends to net income (ytd only)* | 48.2243% | 3,225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| 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 | NA | NA |
| Net loans and leases to total assets | 0.0000% | 8,249 |
| Net loans and leases to deposits | 0.0000% | 8,249 |
| Net loans and leases to core deposits | 0.0000% | 8,238 |
| Total domestic deposits to total assets | 0.0302% | 8,308 |
| Equity capital to assets | 72.1302% | 44 |
| Core capital (leverage) ratio | 65.1270% | 50 |
| Tier 1 risk-based capital ratio | 73.9996% | 110 |
| Total risk-based capital ratio | 73.9996% | 111 |
| Memoranda: | ||
| Average total assets | $1,789,932,200 | 400 |
| Average earning assets | $650,462,000 | 932 |
| Average equity | $1,249,930,400 | 97 |
| Average total loans | NA | NA |