Home > Intervest National Bank > Performance and Condition Ratios
Intervest National Bank, Performance and Condition Ratios
2014-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4857% | 1,933 |
Cost of funding earning assets | 1.2296% | 74 |
Net interest margin | 3.2560% | 4,726 |
Noninterest income to average assets | 0.1316% | 6,032 |
Noninterest expense to average assets | 1.1631% | 6,417 |
Loan and lease loss provision to assets | -0.1628% | 6,245 |
Net operating income to assets | 1.2969% | 1,312 |
Return on assets (ROA) | 1.3095% | 1,333 |
Pretax return on assets | 2.3208% | 259 |
Return on Equity (ROE) | 8.0528% | 3,109 |
Retained earnings to average equity (ytd only) | 8.0528% | 1,006 |
Net charge-offs to loans | 0.0113% | 4,678 |
Credit loss provision to net charge-offs | -1,937.9845% | 5,975 |
Earnings coverage of net charge-offs (x) | 254.4884% | 213 |
Efficiency ratio | 35.2294% | 6,445 |
Assets per employee ($millions) | 20.0128% | 47 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.2235% | 796 |
Loan loss allowance to noncurrent loans | 88.6766% | 3,994 |
Noncurrent assets plus other real estate owned to assets | 2.1025% | 1,177 |
Noncurrent loans to loans | 2.5074% | 1,012 |
Net loans and leases to total assets | 75.7131% | 1,313 |
Net loans and leases to deposits | 92.1905% | 1,269 |
Net loans and leases to core deposits | 100.9467% | 1,322 |
Total domestic deposits to total assets | 82.1268% | 4,370 |
Equity capital to assets | 17.6296% | 353 |
Core capital (leverage) ratio | 17.3552% | 336 |
Tier 1 risk-based capital ratio | 21.7048% | 1,267 |
Total risk-based capital ratio | 22.9655% | 1,242 |
Memoranda: | ||
Average total assets | $1,535,247,200 | 451 |
Average earning assets | $1,494,609,800 | 427 |
Average equity | $249,650,800 | 332 |
Average total loans | $1,145,399,800 | 411 |
2014-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4491% | 2,053 |
Cost of funding earning assets | 1.2536% | 69 |
Net interest margin | 3.1955% | 4,982 |
Noninterest income to average assets | 0.1412% | 6,069 |
Noninterest expense to average assets | 1.1104% | 6,506 |
Loan and lease loss provision to assets | -0.1287% | 6,324 |
Net operating income to assets | 1.2914% | 1,392 |
Return on assets (ROA) | 1.3021% | 1,421 |
Pretax return on assets | 2.2854% | 308 |
Return on Equity (ROE) | 8.1691% | 3,121 |
Retained earnings to average equity (ytd only) | 8.1691% | 1,281 |
Net charge-offs to loans | -0.0349% | 5,794 |
Credit loss provision to net charge-offs | 498.3389% | 579 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 34.1640% | 6,519 |
Assets per employee ($millions) | 20.0668% | 50 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.2654% | 863 |
Loan loss allowance to noncurrent loans | 100.3056% | 3,666 |
Noncurrent assets plus other real estate owned to assets | 1.9371% | 1,504 |
Noncurrent loans to loans | 2.2585% | 1,334 |
Net loans and leases to total assets | 76.2043% | 1,194 |
Net loans and leases to deposits | 91.8521% | 1,242 |
Net loans and leases to core deposits | 100.3708% | 1,333 |
Total domestic deposits to total assets | 82.9642% | 4,164 |
Equity capital to assets | 16.7634% | 462 |
Core capital (leverage) ratio | 16.4352% | 426 |
Tier 1 risk-based capital ratio | 20.2173% | 1,613 |
Total risk-based capital ratio | 21.4781% | 1,577 |
Memoranda: | ||
Average total assets | $1,553,824,500 | 447 |
Average earning assets | $1,511,835,750 | 421 |
Average equity | $247,674,000 | 331 |
Average total loans | $1,148,931,000 | 407 |
2014-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4685% | 1,934 |
Cost of funding earning assets | 1.2684% | 70 |
Net interest margin | 3.2001% | 4,948 |
Noninterest income to average assets | 0.1609% | 5,991 |
Noninterest expense to average assets | 1.1598% | 6,564 |
Loan and lease loss provision to assets | -0.1911% | 6,469 |
Net operating income to assets | 1.2990% | 1,314 |
Return on assets (ROA) | 1.2990% | 1,360 |
Pretax return on assets | 2.3042% | 304 |
Return on Equity (ROE) | 8.2865% | 2,937 |
Retained earnings to average equity (ytd only) | 8.2865% | 1,215 |
Net charge-offs to loans | -0.0465% | 5,840 |
Credit loss provision to net charge-offs | 566.0377% | 534 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 35.4363% | 6,578 |
Assets per employee ($millions) | 19.5709% | 48 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.2962% | 905 |
Loan loss allowance to noncurrent loans | 102.1155% | 3,589 |
Noncurrent assets plus other real estate owned to assets | 1.8298% | 1,772 |
Noncurrent loans to loans | 2.2487% | 1,449 |
Net loans and leases to total assets | 72.1480% | 1,719 |
Net loans and leases to deposits | 86.4028% | 1,782 |
Net loans and leases to core deposits | 95.8993% | 1,610 |
Total domestic deposits to total assets | 83.5019% | 4,108 |
Equity capital to assets | 16.0724% | 539 |
Core capital (leverage) ratio | 15.9161% | 490 |
Tier 1 risk-based capital ratio | 20.1846% | 1,640 |
Total risk-based capital ratio | 21.4455% | 1,610 |
Memoranda: | ||
Average total assets | $1,570,095,330 | 445 |
Average earning assets | $1,526,908,330 | 415 |
Average equity | $246,135,000 | 330 |
Average total loans | $1,140,752,000 | 408 |
2014-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1942% | 2,906 |
Cost of funding earning assets | 1.2764% | 69 |
Net interest margin | 2.9178% | 5,715 |
Noninterest income to average assets | 0.2012% | 5,747 |
Noninterest expense to average assets | 1.2784% | 6,608 |
Loan and lease loss provision to assets | -0.1272% | 6,514 |
Net operating income to assets | 1.0553% | 1,986 |
Return on assets (ROA) | 1.0553% | 2,056 |
Pretax return on assets | 1.8833% | 673 |
Return on Equity (ROE) | 6.8173% | 3,585 |
Retained earnings to average equity (ytd only) | 6.8173% | 2,140 |
Net charge-offs to loans | -0.0300% | 5,555 |
Credit loss provision to net charge-offs | 588.2353% | 481 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 42.1278% | 6,550 |
Assets per employee ($millions) | 19.8683% | 47 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.3998% | 911 |
Loan loss allowance to noncurrent loans | 70.6271% | 4,480 |
Noncurrent assets plus other real estate owned to assets | 3.0252% | 942 |
Noncurrent loans to loans | 3.3979% | 878 |
Net loans and leases to total assets | 70.0263% | 1,881 |
Net loans and leases to deposits | 83.1134% | 1,935 |
Net loans and leases to core deposits | 91.9570% | 1,738 |
Total domestic deposits to total assets | 84.2540% | 4,185 |
Equity capital to assets | 15.4672% | 604 |
Core capital (leverage) ratio | 15.5517% | 531 |
Tier 1 risk-based capital ratio | 19.8360% | 1,761 |
Total risk-based capital ratio | 21.0980% | 1,723 |
Memoranda: | ||
Average total assets | $1,572,307,500 | 450 |
Average earning assets | $1,526,780,500 | 417 |
Average equity | $243,382,000 | 334 |
Average total loans | $1,133,054,000 | 406 |
2013-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3023% | 2,953 |
Cost of funding earning assets | 1.6530% | 30 |
Net interest margin | 2.6492% | 6,203 |
Noninterest income to average assets | 0.3327% | 4,957 |
Noninterest expense to average assets | 1.1726% | 6,720 |
Loan and lease loss provision to assets | -0.0345% | 6,335 |
Net operating income to assets | 0.9651% | 2,489 |
Return on assets (ROA) | 0.9859% | 2,460 |
Pretax return on assets | 1.7822% | 786 |
Return on Equity (ROE) | 6.3314% | 3,910 |
Retained earnings to average equity (ytd only) | 6.3314% | 1,787 |
Net charge-offs to loans | -0.0256% | 6,192 |
Credit loss provision to net charge-offs | 196.4286% | 1,167 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 40.6041% | 6,683 |
Assets per employee ($millions) | 19.1994% | 50 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.4681% | 856 |
Loan loss allowance to noncurrent loans | 69.4749% | 4,501 |
Noncurrent assets plus other real estate owned to assets | 3.2575% | 933 |
Noncurrent loans to loans | 3.5525% | 871 |
Net loans and leases to total assets | 70.5985% | 1,921 |
Net loans and leases to deposits | 83.7816% | 1,965 |
Net loans and leases to core deposits | 92.8966% | 1,684 |
Total domestic deposits to total assets | 84.2650% | 4,067 |
Equity capital to assets | 15.4916% | 594 |
Core capital (leverage) ratio | 15.2315% | 579 |
Tier 1 risk-based capital ratio | 19.6517% | 1,739 |
Total risk-based capital ratio | 20.9144% | 1,704 |
Memoranda: | ||
Average total assets | $1,595,743,200 | 435 |
Average earning assets | $1,539,118,200 | 405 |
Average equity | $248,477,400 | 320 |
Average total loans | $1,092,555,800 | 400 |
2013-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2624% | 3,151 |
Cost of funding earning assets | 1.7091% | 27 |
Net interest margin | 2.5534% | 6,375 |
Noninterest income to average assets | 0.3673% | 4,762 |
Noninterest expense to average assets | 1.1904% | 6,792 |
Loan and lease loss provision to assets | -0.1245% | 6,656 |
Net operating income to assets | 0.9846% | 2,448 |
Return on assets (ROA) | 0.9334% | 2,784 |
Pretax return on assets | 1.6799% | 1,146 |
Return on Equity (ROE) | 5.9868% | 4,196 |
Retained earnings to average equity (ytd only) | 5.9868% | 2,418 |
Net charge-offs to loans | -0.0214% | 6,058 |
Credit loss provision to net charge-offs | 862.0690% | 350 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 42.1272% | 6,707 |
Assets per employee ($millions) | 20.1513% | 54 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.4332% | 1,009 |
Loan loss allowance to noncurrent loans | 46.1447% | 5,397 |
Noncurrent assets plus other real estate owned to assets | 4.6153% | 638 |
Noncurrent loans to loans | 5.2729% | 540 |
Net loans and leases to total assets | 68.1838% | 2,265 |
Net loans and leases to deposits | 80.4641% | 2,344 |
Net loans and leases to core deposits | 89.0882% | 2,067 |
Total domestic deposits to total assets | 84.7382% | 3,867 |
Equity capital to assets | 15.0107% | 714 |
Core capital (leverage) ratio | 14.9738% | 649 |
Tier 1 risk-based capital ratio | 19.2141% | 1,924 |
Total risk-based capital ratio | 20.4759% | 1,887 |
Memoranda: | ||
Average total assets | $1,605,891,750 | 433 |
Average earning assets | $1,546,213,750 | 408 |
Average equity | $250,367,250 | 316 |
Average total loans | $1,084,271,000 | 402 |
2013-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2702% | 3,075 |
Cost of funding earning assets | 1.7279% | 28 |
Net interest margin | 2.5423% | 6,399 |
Noninterest income to average assets | 0.3942% | 4,568 |
Noninterest expense to average assets | 1.1726% | 6,840 |
Loan and lease loss provision to assets | -0.2164% | 6,789 |
Net operating income to assets | 1.0545% | 2,096 |
Return on assets (ROA) | 0.9998% | 2,470 |
Pretax return on assets | 1.7956% | 941 |
Return on Equity (ROE) | 6.3368% | 3,976 |
Retained earnings to average equity (ytd only) | 6.3368% | 2,241 |
Net charge-offs to loans | -0.0189% | 5,954 |
Credit loss provision to net charge-offs | 1,715.6863% | 185 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 41.3285% | 6,773 |
Assets per employee ($millions) | 20.3079% | 52 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.5044% | 982 |
Loan loss allowance to noncurrent loans | 59.5324% | 4,815 |
Noncurrent assets plus other real estate owned to assets | 3.9233% | 898 |
Noncurrent loans to loans | 4.2068% | 888 |
Net loans and leases to total assets | 64.8947% | 2,776 |
Net loans and leases to deposits | 77.4093% | 2,653 |
Net loans and leases to core deposits | 84.5723% | 2,484 |
Total domestic deposits to total assets | 83.8332% | 4,393 |
Equity capital to assets | 15.8644% | 545 |
Core capital (leverage) ratio | 15.4529% | 530 |
Tier 1 risk-based capital ratio | 20.9851% | 1,499 |
Total risk-based capital ratio | 22.2474% | 1,470 |
Memoranda: | ||
Average total assets | $1,617,254,670 | 429 |
Average earning assets | $1,554,112,000 | 405 |
Average equity | $255,176,670 | 313 |
Average total loans | $1,079,547,330 | 399 |
2013-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3183% | 2,815 |
Cost of funding earning assets | 1.7393% | 29 |
Net interest margin | 2.5790% | 6,404 |
Noninterest income to average assets | 0.1839% | 6,160 |
Noninterest expense to average assets | 0.9634% | 6,967 |
Loan and lease loss provision to assets | -0.2448% | 6,909 |
Net operating income to assets | 1.0870% | 1,911 |
Return on assets (ROA) | 1.0297% | 2,221 |
Pretax return on assets | 1.8481% | 807 |
Return on Equity (ROE) | 6.5433% | 3,742 |
Retained earnings to average equity (ytd only) | 6.5433% | 2,393 |
Net charge-offs to loans | -0.4054% | 6,822 |
Credit loss provision to net charge-offs | 90.3342% | 2,020 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 36.2673% | 6,917 |
Assets per employee ($millions) | 20.1903% | 55 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.6083% | 998 |
Loan loss allowance to noncurrent loans | 60.1119% | 4,721 |
Noncurrent assets plus other real estate owned to assets | 4.2392% | 898 |
Noncurrent loans to loans | 4.3391% | 990 |
Net loans and leases to total assets | 65.0975% | 2,529 |
Net loans and leases to deposits | 77.7401% | 2,377 |
Net loans and leases to core deposits | 84.9038% | 2,225 |
Total domestic deposits to total assets | 83.7373% | 4,579 |
Equity capital to assets | 16.0609% | 555 |
Core capital (leverage) ratio | 15.5538% | 510 |
Tier 1 risk-based capital ratio | 20.9046% | 1,559 |
Total risk-based capital ratio | 22.1680% | 1,529 |
Memoranda: | ||
Average total assets | $1,633,873,500 | 430 |
Average earning assets | $1,566,344,500 | 406 |
Average equity | $257,117,500 | 316 |
Average total loans | $1,092,147,000 | 399 |
2012-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7532% | 2,386 |
Cost of funding earning assets | 2.0920% | 22 |
Net interest margin | 2.6612% | 6,574 |
Noninterest income to average assets | 0.1542% | 6,265 |
Noninterest expense to average assets | 1.2890% | 6,957 |
Loan and lease loss provision to assets | 0.0000% | 5,905 |
Net operating income to assets | 0.7624% | 3,453 |
Return on assets (ROA) | 0.7419% | 3,789 |
Pretax return on assets | 1.3680% | 2,152 |
Return on Equity (ROE) | 5.4545% | 4,448 |
Retained earnings to average equity (ytd only) | 5.4545% | 2,411 |
Net charge-offs to loans | 0.2026% | 3,760 |
Credit loss provision to net charge-offs | 0.0000% | 5,483 |
Earnings coverage of net charge-offs (x) | 11.0134% | 2,080 |
Efficiency ratio | 47.9369% | 6,710 |
Assets per employee ($millions) | 21.1862% | 54 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.5395% | 1,088 |
Loan loss allowance to noncurrent loans | 55.7836% | 4,837 |
Noncurrent assets plus other real estate owned to assets | 4.2319% | 1,000 |
Noncurrent loans to loans | 4.5524% | 932 |
Net loans and leases to total assets | 65.1496% | 2,684 |
Net loans and leases to deposits | 77.2483% | 2,621 |
Net loans and leases to core deposits | 84.7231% | 2,463 |
Total domestic deposits to total assets | 84.3378% | 4,165 |
Equity capital to assets | 15.4198% | 651 |
Core capital (leverage) ratio | 14.4399% | 687 |
Tier 1 risk-based capital ratio | 19.8010% | 1,728 |
Total risk-based capital ratio | 21.0638% | 1,695 |
Memoranda: | ||
Average total assets | $1,818,847,000 | 382 |
Average earning assets | $1,732,423,400 | 361 |
Average equity | $247,390,800 | 314 |
Average total loans | $1,141,099,400 | 383 |
2012-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6821% | 2,878 |
Cost of funding earning assets | 2.1544% | 19 |
Net interest margin | 2.5277% | 6,806 |
Noninterest income to average assets | 0.1381% | 6,450 |
Noninterest expense to average assets | 1.2549% | 7,061 |
Loan and lease loss provision to assets | 0.0000% | 5,790 |
Net operating income to assets | 0.6996% | 3,920 |
Return on assets (ROA) | 0.6924% | 4,207 |
Pretax return on assets | 1.2761% | 2,682 |
Return on Equity (ROE) | 5.2466% | 4,707 |
Retained earnings to average equity (ytd only) | 5.2466% | 3,191 |
Net charge-offs to loans | 0.2357% | 3,311 |
Credit loss provision to net charge-offs | 0.0000% | 5,158 |
Earnings coverage of net charge-offs (x) | 8.8357% | 2,390 |
Efficiency ratio | 49.3615% | 6,634 |
Assets per employee ($millions) | 22.5819% | 54 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.4586% | 1,255 |
Loan loss allowance to noncurrent loans | 52.0245% | 5,028 |
Noncurrent assets plus other real estate owned to assets | 4.6318% | 989 |
Noncurrent loans to loans | 4.7259% | 983 |
Net loans and leases to total assets | 64.6429% | 2,899 |
Net loans and leases to deposits | 76.1145% | 2,968 |
Net loans and leases to core deposits | 83.5576% | 2,748 |
Total domestic deposits to total assets | 84.9285% | 3,772 |
Equity capital to assets | 14.4165% | 994 |
Core capital (leverage) ratio | 13.2387% | 1,093 |
Tier 1 risk-based capital ratio | 18.4102% | 2,196 |
Total risk-based capital ratio | 19.6720% | 2,164 |
Memoranda: | ||
Average total assets | $1,860,428,500 | 379 |
Average earning assets | $1,769,437,000 | 355 |
Average equity | $245,534,750 | 319 |
Average total loans | $1,150,208,500 | 380 |
2012-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6848% | 2,981 |
Cost of funding earning assets | 2.1956% | 19 |
Net interest margin | 2.4892% | 6,897 |
Noninterest income to average assets | 0.1344% | 6,516 |
Noninterest expense to average assets | 1.1970% | 7,144 |
Loan and lease loss provision to assets | 0.0000% | 5,619 |
Net operating income to assets | 0.7110% | 3,809 |
Return on assets (ROA) | 0.7004% | 4,134 |
Pretax return on assets | 1.2860% | 2,610 |
Return on Equity (ROE) | 5.4606% | 4,600 |
Retained earnings to average equity (ytd only) | 5.4606% | 3,010 |
Net charge-offs to loans | 0.2733% | 2,947 |
Credit loss provision to net charge-offs | 0.0000% | 4,809 |
Earnings coverage of net charge-offs (x) | 7.8803% | 2,403 |
Efficiency ratio | 47.8890% | 6,783 |
Assets per employee ($millions) | 23.7086% | 52 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.5370% | 1,234 |
Loan loss allowance to noncurrent loans | 51.4794% | 5,031 |
Noncurrent assets plus other real estate owned to assets | 4.6788% | 1,036 |
Noncurrent loans to loans | 4.9282% | 1,012 |
Net loans and leases to total assets | 59.8157% | 3,861 |
Net loans and leases to deposits | 69.7537% | 3,936 |
Net loans and leases to core deposits | 77.5495% | 3,582 |
Total domestic deposits to total assets | 85.7528% | 3,481 |
Equity capital to assets | 13.3762% | 1,350 |
Core capital (leverage) ratio | 12.3991% | 1,397 |
Tier 1 risk-based capital ratio | 17.7925% | 2,369 |
Total risk-based capital ratio | 19.0546% | 2,329 |
Memoranda: | ||
Average total assets | $1,900,969,670 | 374 |
Average earning assets | $1,806,232,330 | 347 |
Average equity | $243,821,330 | 320 |
Average total loans | $1,149,496,000 | 378 |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7220% | 2,964 |
Cost of funding earning assets | 2.2481% | 20 |
Net interest margin | 2.4740% | 6,971 |
Noninterest income to average assets | 0.1248% | 6,628 |
Noninterest expense to average assets | 1.0799% | 7,238 |
Loan and lease loss provision to assets | 0.0000% | 5,254 |
Net operating income to assets | 0.7645% | 3,543 |
Return on assets (ROA) | 0.7436% | 3,896 |
Pretax return on assets | 1.3608% | 2,335 |
Return on Equity (ROE) | 5.9194% | 4,339 |
Retained earnings to average equity (ytd only) | 5.9194% | 3,009 |
Net charge-offs to loans | 0.4309% | 2,023 |
Credit loss provision to net charge-offs | 0.0000% | 3,998 |
Earnings coverage of net charge-offs (x) | 5.3868% | 2,388 |
Efficiency ratio | 43.6629% | 7,002 |
Assets per employee ($millions) | 24.9531% | 51 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.5264% | 1,315 |
Loan loss allowance to noncurrent loans | 51.9926% | 4,955 |
Noncurrent assets plus other real estate owned to assets | 4.6400% | 1,144 |
Noncurrent loans to loans | 4.8591% | 1,168 |
Net loans and leases to total assets | 59.2414% | 3,817 |
Net loans and leases to deposits | 68.6188% | 3,941 |
Net loans and leases to core deposits | 76.1280% | 3,600 |
Total domestic deposits to total assets | 86.3342% | 3,340 |
Equity capital to assets | 12.8649% | 1,504 |
Core capital (leverage) ratio | 11.7319% | 1,747 |
Tier 1 risk-based capital ratio | 16.8799% | 2,727 |
Total risk-based capital ratio | 18.1415% | 2,676 |
Memoranda: | ||
Average total assets | $1,926,820,000 | 369 |
Average earning assets | $1,829,126,500 | 346 |
Average equity | $242,051,500 | 316 |
Average total loans | $1,156,770,000 | 374 |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0279% | 2,765 |
Cost of funding earning assets | 2.5693% | 22 |
Net interest margin | 2.4586% | 7,077 |
Noninterest income to average assets | 0.1576% | 6,357 |
Noninterest expense to average assets | 1.0567% | 7,288 |
Loan and lease loss provision to assets | 0.2358% | 3,848 |
Net operating income to assets | 0.6400% | 3,786 |
Return on assets (ROA) | 0.6336% | 4,016 |
Pretax return on assets | 1.1696% | 2,581 |
Return on Equity (ROE) | 5.4455% | 4,171 |
Retained earnings to average equity (ytd only) | 5.4455% | 2,339 |
Net charge-offs to loans | 0.7029% | 2,402 |
Credit loss provision to net charge-offs | 54.0158% | 5,319 |
Earnings coverage of net charge-offs (x) | 3.2425% | 3,587 |
Efficiency ratio | 42.7436% | 7,153 |
Assets per employee ($millions) | 26.0960% | 49 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.6155% | 1,173 |
Loan loss allowance to noncurrent loans | 51.3234% | 4,947 |
Noncurrent assets plus other real estate owned to assets | 4.6914% | 1,165 |
Noncurrent loans to loans | 5.0962% | 1,101 |
Net loans and leases to total assets | 57.7651% | 4,420 |
Net loans and leases to deposits | 66.7677% | 4,629 |
Net loans and leases to core deposits | 74.6729% | 4,153 |
Total domestic deposits to total assets | 86.5165% | 3,022 |
Equity capital to assets | 12.2689% | 1,932 |
Core capital (leverage) ratio | 11.2072% | 2,110 |
Tier 1 risk-based capital ratio | 16.0632% | 3,015 |
Total risk-based capital ratio | 17.3254% | 2,964 |
Memoranda: | ||
Average total assets | $2,005,190,000 | 347 |
Average earning assets | $1,887,581,000 | 329 |
Average equity | $233,291,600 | 311 |
Average total loans | $1,245,296,200 | 346 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0894% | 2,653 |
Cost of funding earning assets | 2.6320% | 23 |
Net interest margin | 2.4574% | 7,156 |
Noninterest income to average assets | 0.1578% | 6,466 |
Noninterest expense to average assets | 1.0115% | 7,370 |
Loan and lease loss provision to assets | 0.3125% | 3,024 |
Net operating income to assets | 0.6212% | 4,004 |
Return on assets (ROA) | 0.6127% | 4,216 |
Pretax return on assets | 1.1291% | 2,900 |
Return on Equity (ROE) | 5.3365% | 4,378 |
Retained earnings to average equity (ytd only) | 5.3365% | 2,960 |
Net charge-offs to loans | 0.7847% | 1,989 |
Credit loss provision to net charge-offs | 63.4375% | 4,690 |
Earnings coverage of net charge-offs (x) | 2.9534% | 3,668 |
Efficiency ratio | 41.0103% | 7,235 |
Assets per employee ($millions) | 26.3701% | 49 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.6499% | 1,204 |
Loan loss allowance to noncurrent loans | 47.7012% | 5,152 |
Noncurrent assets plus other real estate owned to assets | 4.9432% | 1,171 |
Noncurrent loans to loans | 5.5553% | 1,059 |
Net loans and leases to total assets | 58.8179% | 4,352 |
Net loans and leases to deposits | 67.6992% | 4,661 |
Net loans and leases to core deposits | 75.7406% | 4,223 |
Total domestic deposits to total assets | 86.8812% | 2,725 |
Equity capital to assets | 11.9631% | 2,281 |
Core capital (leverage) ratio | 10.6219% | 2,735 |
Tier 1 risk-based capital ratio | 15.2792% | 3,505 |
Total risk-based capital ratio | 16.5419% | 3,466 |
Memoranda: | ||
Average total assets | $2,017,187,000 | 346 |
Average earning assets | $1,895,067,000 | 326 |
Average equity | $231,582,500 | 317 |
Average total loans | $1,266,384,250 | 339 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0137% | 3,090 |
Cost of funding earning assets | 2.6496% | 23 |
Net interest margin | 2.3641% | 7,253 |
Noninterest income to average assets | 0.1313% | 6,666 |
Noninterest expense to average assets | 1.0408% | 7,448 |
Loan and lease loss provision to assets | 0.2745% | 3,191 |
Net operating income to assets | 0.5702% | 4,212 |
Return on assets (ROA) | 0.5636% | 4,372 |
Pretax return on assets | 1.0206% | 3,163 |
Return on Equity (ROE) | 4.9767% | 4,461 |
Retained earnings to average equity (ytd only) | 4.9767% | 3,022 |
Net charge-offs to loans | 0.9076% | 1,719 |
Credit loss provision to net charge-offs | 47.6003% | 4,646 |
Earnings coverage of net charge-offs (x) | 2.2635% | 3,699 |
Efficiency ratio | 44.3595% | 7,220 |
Assets per employee ($millions) | 27.1591% | 51 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.5112% | 1,430 |
Loan loss allowance to noncurrent loans | 65.1958% | 4,176 |
Noncurrent assets plus other real estate owned to assets | 3.8442% | 1,682 |
Noncurrent loans to loans | 3.8518% | 1,803 |
Net loans and leases to total assets | 59.6958% | 4,331 |
Net loans and leases to deposits | 68.5228% | 4,632 |
Net loans and leases to core deposits | 76.6901% | 4,230 |
Total domestic deposits to total assets | 87.1182% | 2,672 |
Equity capital to assets | 11.4376% | 2,562 |
Core capital (leverage) ratio | 10.4105% | 2,813 |
Tier 1 risk-based capital ratio | 14.1858% | 4,027 |
Total risk-based capital ratio | 15.4468% | 3,987 |
Memoranda: | ||
Average total assets | $2,030,331,330 | 347 |
Average earning assets | $1,902,267,670 | 330 |
Average equity | $229,910,000 | 321 |
Average total loans | $1,290,199,670 | 343 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9458% | 3,348 |
Cost of funding earning assets | 2.6783% | 22 |
Net interest margin | 2.2675% | 7,327 |
Noninterest income to average assets | 0.1326% | 6,750 |
Noninterest expense to average assets | 0.9433% | 7,518 |
Loan and lease loss provision to assets | 0.4035% | 2,172 |
Net operating income to assets | 0.5028% | 4,479 |
Return on assets (ROA) | 0.4896% | 4,610 |
Pretax return on assets | 0.8880% | 3,546 |
Return on Equity (ROE) | 4.3454% | 4,727 |
Retained earnings to average equity (ytd only) | 4.3454% | 3,564 |
Net charge-offs to loans | 1.3677% | 1,007 |
Credit loss provision to net charge-offs | 45.5964% | 3,843 |
Earnings coverage of net charge-offs (x) | 1.4827% | 3,598 |
Efficiency ratio | 41.8198% | 7,347 |
Assets per employee ($millions) | 26.6489% | 53 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.4702% | 1,503 |
Loan loss allowance to noncurrent loans | 67.7452% | 4,031 |
Noncurrent assets plus other real estate owned to assets | 3.9377% | 1,694 |
Noncurrent loans to loans | 3.6463% | 2,034 |
Net loans and leases to total assets | 63.1151% | 3,625 |
Net loans and leases to deposits | 72.4417% | 3,993 |
Net loans and leases to core deposits | 81.1006% | 3,591 |
Total domestic deposits to total assets | 87.1254% | 2,876 |
Equity capital to assets | 11.4905% | 2,280 |
Core capital (leverage) ratio | 10.0409% | 3,095 |
Tier 1 risk-based capital ratio | 13.5494% | 4,392 |
Total risk-based capital ratio | 14.8106% | 4,351 |
Memoranda: | ||
Average total assets | $2,027,032,500 | 348 |
Average earning assets | $1,897,753,000 | 329 |
Average equity | $228,377,500 | 317 |
Average total loans | $1,311,658,000 | 343 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2532% | 3,346 |
Cost of funding earning assets | 2.9521% | 29 |
Net interest margin | 2.3011% | 7,369 |
Noninterest income to average assets | 0.0967% | 6,911 |
Noninterest expense to average assets | 1.7084% | 7,345 |
Loan and lease loss provision to assets | 4.5103% | 105 |
Net operating income to assets | -2.2575% | 7,130 |
Return on assets (ROA) | -2.2989% | 7,153 |
Pretax return on assets | -4.0260% | 7,441 |
Return on Equity (ROE) | -22.4512% | 7,083 |
Retained earnings to average equity (ytd only) | -22.4512% | 7,060 |
Net charge-offs to loans | 6.5401% | 76 |
Credit loss provision to net charge-offs | 102.4316% | 4,414 |
Earnings coverage of net charge-offs (x) | 0.1247% | 5,998 |
Efficiency ratio | 75.6755% | 3,095 |
Assets per employee ($millions) | 28.1562% | 50 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.5859% | 1,303 |
Loan loss allowance to noncurrent loans | 58.7984% | 4,497 |
Noncurrent assets plus other real estate owned to assets | 4.2751% | 1,561 |
Noncurrent loans to loans | 4.3979% | 1,629 |
Net loans and leases to total assets | 63.0299% | 4,063 |
Net loans and leases to deposits | 72.1182% | 4,497 |
Net loans and leases to core deposits | 81.4631% | 3,981 |
Total domestic deposits to total assets | 87.3980% | 2,612 |
Equity capital to assets | 11.0489% | 2,643 |
Core capital (leverage) ratio | 9.6084% | 3,543 |
Tier 1 risk-based capital ratio | 12.9597% | 4,626 |
Total risk-based capital ratio | 14.2222% | 4,592 |
Memoranda: | ||
Average total assets | $2,185,440,800 | 326 |
Average earning assets | $2,052,208,200 | 307 |
Average equity | $223,783,600 | 318 |
Average total loans | $1,471,395,400 | 321 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2927% | 3,384 |
Cost of funding earning assets | 2.9955% | 31 |
Net interest margin | 2.2972% | 7,484 |
Noninterest income to average assets | 0.0736% | 7,166 |
Noninterest expense to average assets | 1.8265% | 7,303 |
Loan and lease loss provision to assets | 5.7636% | 56 |
Net operating income to assets | -3.0515% | 7,459 |
Return on assets (ROA) | -3.0924% | 7,477 |
Pretax return on assets | -5.4225% | 7,669 |
Return on Equity (ROE) | -30.7636% | 7,399 |
Retained earnings to average equity (ytd only) | -30.7636% | 7,391 |
Net charge-offs to loans | 8.5061% | 35 |
Credit loss provision to net charge-offs | 99.7399% | 4,376 |
Earnings coverage of net charge-offs (x) | 0.0701% | 5,962 |
Efficiency ratio | 81.8468% | 2,078 |
Assets per employee ($millions) | 28.9953% | 48 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.3475% | 1,553 |
Loan loss allowance to noncurrent loans | 59.4370% | 4,356 |
Noncurrent assets plus other real estate owned to assets | 4.5488% | 1,488 |
Noncurrent loans to loans | 3.9496% | 1,909 |
Net loans and leases to total assets | 63.3632% | 4,242 |
Net loans and leases to deposits | 71.7067% | 4,880 |
Net loans and leases to core deposits | 80.7648% | 4,412 |
Total domestic deposits to total assets | 88.3644% | 1,755 |
Equity capital to assets | 9.8860% | 4,309 |
Core capital (leverage) ratio | 8.4158% | 5,673 |
Tier 1 risk-based capital ratio | 11.1693% | 6,221 |
Total risk-based capital ratio | 12.4289% | 6,207 |
Memoranda: | ||
Average total assets | $2,217,951,250 | 316 |
Average earning assets | $2,083,588,000 | 303 |
Average equity | $222,955,000 | 312 |
Average total loans | $1,506,768,000 | 312 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.4009% | 2,974 |
Cost of funding earning assets | 3.0209% | 38 |
Net interest margin | 2.3800% | 7,496 |
Noninterest income to average assets | 0.0738% | 7,220 |
Noninterest expense to average assets | 1.9244% | 7,223 |
Loan and lease loss provision to assets | 8.3383% | 22 |
Net operating income to assets | -4.5207% | 7,664 |
Return on assets (ROA) | -4.5575% | 7,673 |
Pretax return on assets | -8.0032% | 7,784 |
Return on Equity (ROE) | -45.1081% | 7,575 |
Retained earnings to average equity (ytd only) | -45.1081% | 7,567 |
Net charge-offs to loans | 12.3828% | 20 |
Credit loss provision to net charge-offs | 97.7704% | 4,190 |
Earnings coverage of net charge-offs (x) | 0.0460% | 5,670 |
Efficiency ratio | 83.0560% | 2,036 |
Assets per employee ($millions) | 29.8333% | 45 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1564% | 1,853 |
Loan loss allowance to noncurrent loans | 115.9499% | 2,415 |
Noncurrent assets plus other real estate owned to assets | 2.9334% | 2,452 |
Noncurrent loans to loans | 1.8597% | 3,919 |
Net loans and leases to total assets | 63.1608% | 4,428 |
Net loans and leases to deposits | 71.6272% | 5,053 |
Net loans and leases to core deposits | 80.2881% | 4,662 |
Total domestic deposits to total assets | 88.1799% | 1,898 |
Equity capital to assets | 9.5805% | 4,582 |
Core capital (leverage) ratio | 7.9235% | 6,359 |
Tier 1 risk-based capital ratio | 10.7925% | 6,451 |
Total risk-based capital ratio | 12.0501% | 6,431 |
Memoranda: | ||
Average total assets | $2,261,380,670 | 307 |
Average earning assets | $2,131,346,670 | 296 |
Average equity | $228,478,000 | 310 |
Average total loans | $1,557,487,330 | 300 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.4618% | 2,774 |
Cost of funding earning assets | 3.0352% | 43 |
Net interest margin | 2.4266% | 7,513 |
Noninterest income to average assets | 0.0642% | 7,399 |
Noninterest expense to average assets | 1.2229% | 7,825 |
Loan and lease loss provision to assets | 1.5893% | 728 |
Net operating income to assets | -0.2639% | 6,615 |
Return on assets (ROA) | -0.3037% | 6,725 |
Pretax return on assets | -0.5135% | 6,797 |
Return on Equity (ROE) | -2.9355% | 6,732 |
Retained earnings to average equity (ytd only) | -2.9355% | 6,353 |
Net charge-offs to loans | 3.2892% | 448 |
Credit loss provision to net charge-offs | 68.1717% | 4,145 |
Earnings coverage of net charge-offs (x) | 0.4881% | 4,590 |
Efficiency ratio | 51.8018% | 7,175 |
Assets per employee ($millions) | 31.3888% | 47 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7153% | 3,007 |
Loan loss allowance to noncurrent loans | 30.6166% | 6,364 |
Noncurrent assets plus other real estate owned to assets | 6.6209% | 849 |
Noncurrent loans to loans | 5.6025% | 1,237 |
Net loans and leases to total assets | 70.3560% | 2,843 |
Net loans and leases to deposits | 80.7752% | 3,498 |
Net loans and leases to core deposits | 90.1703% | 3,345 |
Total domestic deposits to total assets | 87.1009% | 2,575 |
Equity capital to assets | 10.6172% | 3,129 |
Core capital (leverage) ratio | 10.3787% | 2,740 |
Tier 1 risk-based capital ratio | 13.0784% | 4,278 |
Total risk-based capital ratio | 14.3317% | 4,246 |
Memoranda: | ||
Average total assets | $2,318,074,000 | 314 |
Average earning assets | $2,193,844,000 | 299 |
Average equity | $239,823,000 | 305 |
Average total loans | $1,642,936,000 | 299 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.5185% | 4,046 |
Cost of funding earning assets | 3.4880% | 45 |
Net interest margin | 2.0304% | 7,730 |
Noninterest income to average assets | 0.0696% | 7,404 |
Noninterest expense to average assets | 1.0500% | 7,939 |
Loan and lease loss provision to assets | 0.4440% | 4,165 |
Net operating income to assets | 0.3190% | 4,456 |
Return on assets (ROA) | 0.2479% | 4,807 |
Pretax return on assets | 0.4220% | 4,428 |
Return on Equity (ROE) | 2.4526% | 4,732 |
Retained earnings to average equity (ytd only) | 0.7668% | 4,472 |
Net charge-offs to loans | 0.3402% | 4,525 |
Credit loss provision to net charge-offs | 179.6634% | 2,318 |
Earnings coverage of net charge-offs (x) | 3.9537% | 3,128 |
Efficiency ratio | 51.8017% | 7,401 |
Assets per employee ($millions) | 33.0021% | 51 |
Cash dividends to net income (ytd only)* | 68.7347% | 1,619 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9214% | 2,212 |
Loan loss allowance to noncurrent loans | 26.7581% | 6,697 |
Noncurrent assets plus other real estate owned to assets | 6.3513% | 871 |
Noncurrent loans to loans | 7.1805% | 762 |
Net loans and leases to total assets | 68.8521% | 3,524 |
Net loans and leases to deposits | 79.1659% | 4,144 |
Net loans and leases to core deposits | 105.9556% | 3,341 |
Total domestic deposits to total assets | 86.9719% | 2,528 |
Equity capital to assets | 10.0877% | 3,637 |
Core capital (leverage) ratio | 10.0509% | 3,036 |
Tier 1 risk-based capital ratio | 12.7856% | 4,295 |
Total risk-based capital ratio | 14.0413% | 4,238 |
Memoranda: | ||
Average total assets | $2,308,277,400 | 314 |
Average earning assets | $2,225,370,600 | 300 |
Average equity | $233,304,800 | 309 |
Average total loans | $1,676,714,800 | 305 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.4990% | 4,426 |
Cost of funding earning assets | 3.5561% | 54 |
Net interest margin | 1.9429% | 7,838 |
Noninterest income to average assets | 0.0649% | 7,584 |
Noninterest expense to average assets | 1.0125% | 8,030 |
Loan and lease loss provision to assets | 0.3679% | 4,113 |
Net operating income to assets | 0.3297% | 4,679 |
Return on assets (ROA) | 0.2685% | 5,010 |
Pretax return on assets | 0.4661% | 4,626 |
Return on Equity (ROE) | 2.6556% | 4,934 |
Retained earnings to average equity (ytd only) | 0.8706% | 4,820 |
Net charge-offs to loans | 0.2067% | 4,749 |
Credit loss provision to net charge-offs | 242.8736% | 1,796 |
Earnings coverage of net charge-offs (x) | 6.1364% | 2,663 |
Efficiency ratio | 52.1380% | 7,400 |
Assets per employee ($millions) | 32.7372% | 50 |
Cash dividends to net income (ytd only)* | 67.2157% | 1,357 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8610% | 2,131 |
Loan loss allowance to noncurrent loans | 25.0813% | 6,783 |
Noncurrent assets plus other real estate owned to assets | 6.5972% | 752 |
Noncurrent loans to loans | 7.4197% | 697 |
Net loans and leases to total assets | 69.8608% | 3,555 |
Net loans and leases to deposits | 79.9607% | 4,396 |
Net loans and leases to core deposits | 106.9119% | 3,600 |
Total domestic deposits to total assets | 87.3689% | 1,968 |
Equity capital to assets | 10.1561% | 3,901 |
Core capital (leverage) ratio | 10.2164% | 3,051 |
Tier 1 risk-based capital ratio | 12.7053% | 4,389 |
Total risk-based capital ratio | 13.9603% | 4,337 |
Memoranda: | ||
Average total assets | $2,291,308,500 | 326 |
Average earning assets | $2,213,683,500 | 314 |
Average equity | $231,706,500 | 315 |
Average total loans | $1,678,873,250 | 319 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.4816% | 4,727 |
Cost of funding earning assets | 3.6242% | 74 |
Net interest margin | 1.8574% | 7,925 |
Noninterest income to average assets | 0.0673% | 7,649 |
Noninterest expense to average assets | 0.9538% | 8,133 |
Loan and lease loss provision to assets | 0.3592% | 3,772 |
Net operating income to assets | 0.3297% | 4,763 |
Return on assets (ROA) | 0.2863% | 5,061 |
Pretax return on assets | 0.4844% | 4,671 |
Return on Equity (ROE) | 2.8357% | 4,961 |
Retained earnings to average equity (ytd only) | 0.9871% | 4,784 |
Net charge-offs to loans | 0.0212% | 6,209 |
Credit loss provision to net charge-offs | 2,289.8876% | 231 |
Earnings coverage of net charge-offs (x) | 58.1011% | 612 |
Efficiency ratio | 51.1363% | 7,583 |
Assets per employee ($millions) | 32.0821% | 48 |
Cash dividends to net income (ytd only)* | 65.1893% | 1,508 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8284% | 1,968 |
Loan loss allowance to noncurrent loans | 24.8412% | 6,854 |
Noncurrent assets plus other real estate owned to assets | 6.0763% | 794 |
Noncurrent loans to loans | 7.3604% | 646 |
Net loans and leases to total assets | 71.9964% | 3,230 |
Net loans and leases to deposits | 82.2130% | 4,190 |
Net loans and leases to core deposits | 110.1167% | 3,359 |
Total domestic deposits to total assets | 87.5730% | 1,983 |
Equity capital to assets | 9.8058% | 4,207 |
Core capital (leverage) ratio | 9.9352% | 3,366 |
Tier 1 risk-based capital ratio | 12.0791% | 4,848 |
Total risk-based capital ratio | 13.3340% | 4,766 |
Memoranda: | ||
Average total assets | $2,269,384,330 | 336 |
Average earning assets | $2,196,686,000 | 322 |
Average equity | $229,146,000 | 322 |
Average total loans | $1,679,197,330 | 326 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.5461% | 4,659 |
Cost of funding earning assets | 3.7240% | 82 |
Net interest margin | 1.8221% | 7,969 |
Noninterest income to average assets | 0.0699% | 7,712 |
Noninterest expense to average assets | 0.8394% | 8,190 |
Loan and lease loss provision to assets | 0.2947% | 3,590 |
Net operating income to assets | 0.3955% | 4,873 |
Return on assets (ROA) | 0.3491% | 5,255 |
Pretax return on assets | 0.6300% | 4,657 |
Return on Equity (ROE) | 3.4060% | 5,206 |
Retained earnings to average equity (ytd only) | 1.5239% | 4,996 |
Net charge-offs to loans | 0.0024% | 5,706 |
Credit loss provision to net charge-offs | 16,450.0000% | 31 |
Earnings coverage of net charge-offs (x) | 556.7000% | 44 |
Efficiency ratio | 45.7037% | 7,857 |
Assets per employee ($millions) | 31.0311% | 55 |
Cash dividends to net income (ytd only)* | 55.2591% | 1,602 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7472% | 1,987 |
Loan loss allowance to noncurrent loans | 26.2501% | 6,823 |
Noncurrent assets plus other real estate owned to assets | 5.2280% | 844 |
Noncurrent loans to loans | 6.6560% | 637 |
Net loans and leases to total assets | 72.3408% | 3,163 |
Net loans and leases to deposits | 82.9292% | 4,141 |
Net loans and leases to core deposits | 110.1521% | 3,414 |
Total domestic deposits to total assets | 87.2320% | 2,104 |
Equity capital to assets | 10.1247% | 3,861 |
Core capital (leverage) ratio | 10.3157% | 3,094 |
Tier 1 risk-based capital ratio | 12.4790% | 4,565 |
Total risk-based capital ratio | 13.7331% | 4,478 |
Memoranda: | ||
Average total assets | $2,233,081,500 | 338 |
Average earning assets | $2,165,184,000 | 324 |
Average equity | $228,893,000 | 325 |
Average total loans | $1,660,019,500 | 330 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.1425% | 4,815 |
Cost of funding earning assets | 4.0793% | 76 |
Net interest margin | 2.0632% | 8,032 |
Noninterest income to average assets | 0.0933% | 7,664 |
Noninterest expense to average assets | 0.8358% | 8,225 |
Loan and lease loss provision to assets | 0.5528% | 2,608 |
Net operating income to assets | 0.3887% | 5,197 |
Return on assets (ROA) | 0.3981% | 4,966 |
Pretax return on assets | 0.7225% | 4,324 |
Return on Equity (ROE) | 4.0011% | 4,829 |
Retained earnings to average equity (ytd only) | 2.3015% | 3,774 |
Net charge-offs to loans | 0.2636% | 3,647 |
Credit loss provision to net charge-offs | 271.2326% | 1,694 |
Earnings coverage of net charge-offs (x) | 6.1857% | 3,421 |
Efficiency ratio | 39.8671% | 8,136 |
Assets per employee ($millions) | 38.6122% | 45 |
Cash dividends to net income (ytd only)* | 42.4782% | 3,539 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6648% | 2,015 |
Loan loss allowance to noncurrent loans | 27.4188% | 6,870 |
Noncurrent assets plus other real estate owned to assets | 4.8649% | 732 |
Noncurrent loans to loans | 6.0718% | 581 |
Net loans and leases to total assets | 73.8190% | 3,151 |
Net loans and leases to deposits | 84.9567% | 4,262 |
Net loans and leases to core deposits | 114.2153% | 3,316 |
Total domestic deposits to total assets | 86.8901% | 1,987 |
Equity capital to assets | 10.3792% | 3,636 |
Core capital (leverage) ratio | 10.7917% | 2,750 |
Tier 1 risk-based capital ratio | 12.6271% | 4,348 |
Total risk-based capital ratio | 13.8805% | 4,254 |
Memoranda: | ||
Average total assets | $2,073,988,000 | 348 |
Average earning assets | $2,013,633,400 | 327 |
Average equity | $206,345,000 | 365 |
Average total loans | $1,603,740,400 | 332 |