Home > Merit Bank > Performance and Condition Ratios
Merit Bank, Performance and Condition Ratios
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 | 5.4273% | 260 |
Cost of funding earning assets | 0.9256% | 246 |
Net interest margin | 4.5017% | 523 |
Noninterest income to average assets | 1.8482% | 348 |
Noninterest expense to average assets | 9.2281% | 81 |
Loan and lease loss provision to assets | -0.4131% | 5,827 |
Net operating income to assets | -1.6659% | 5,806 |
Return on assets (ROA) | -1.6047% | 5,803 |
Pretax return on assets | -2.6832% | 5,830 |
Return on Equity (ROE) | -16.4466% | 5,805 |
Retained earnings to average equity (ytd only) | -18.6751% | 5,712 |
Net charge-offs to loans | 1.4132% | 118 |
Credit loss provision to net charge-offs | -33.9286% | 3,836 |
Earnings coverage of net charge-offs (x) | -2.6214% | 2,893 |
Efficiency ratio | 152.8818% | 35 |
Assets per employee ($millions) | 2.4203% | 5,653 |
Cash dividends to net income (ytd only)* | -13.5501% | 5,835 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4632% | 1,816 |
Loan loss allowance to noncurrent loans | 996.5812% | 606 |
Noncurrent assets plus other real estate owned to assets | 0.7655% | 2,389 |
Noncurrent loans to loans | 0.1468% | 4,597 |
Net loans and leases to total assets | 90.1204% | 54 |
Net loans and leases to deposits | 116.5882% | 111 |
Net loans and leases to core deposits | 119.3165% | 478 |
Total domestic deposits to total assets | 77.2980% | 5,078 |
Equity capital to assets | 10.0644% | 3,673 |
Core capital (leverage) ratio | 8.7977% | 4,955 |
Tier 1 risk-based capital ratio | 10.8276% | 5,395 |
Total risk-based capital ratio | 12.0811% | 5,315 |
Memoranda: | ||
Average total assets | $91,979,500 | 4,502 |
Average earning assets | $85,567,500 | 4,484 |
Average equity | $8,974,500 | 4,722 |
Average total loans | $79,251,000 | 3,828 |
2016-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.4991% | 251 |
Cost of funding earning assets | 0.9263% | 255 |
Net interest margin | 4.5727% | 529 |
Noninterest income to average assets | 3.0646% | 194 |
Noninterest expense to average assets | 5.5857% | 199 |
Loan and lease loss provision to assets | 0.4230% | 352 |
Net operating income to assets | 0.8823% | 2,917 |
Return on assets (ROA) | 0.8701% | 3,089 |
Pretax return on assets | 1.3370% | 2,159 |
Return on Equity (ROE) | 9.2432% | 2,292 |
Retained earnings to average equity (ytd only) | 7.5747% | 1,010 |
Net charge-offs to loans | -0.0743% | 5,498 |
Credit loss provision to net charge-offs | -673.3333% | 5,227 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 75.8459% | 2,004 |
Assets per employee ($millions) | 2.6897% | 5,568 |
Cash dividends to net income (ytd only)* | 18.0505% | 3,791 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9552% | 721 |
Loan loss allowance to noncurrent loans | 562.4088% | 969 |
Noncurrent assets plus other real estate owned to assets | 0.9377% | 2,024 |
Noncurrent loans to loans | 0.3476% | 3,888 |
Net loans and leases to total assets | 79.8038% | 921 |
Net loans and leases to deposits | 95.9937% | 995 |
Net loans and leases to core deposits | 100.1815% | 1,607 |
Total domestic deposits to total assets | 83.1344% | 3,727 |
Equity capital to assets | 9.4805% | 4,288 |
Core capital (leverage) ratio | 8.4594% | 5,302 |
Tier 1 risk-based capital ratio | 11.5454% | 5,027 |
Total risk-based capital ratio | 12.8055% | 4,925 |
Memoranda: | ||
Average total assets | $95,511,400 | 4,441 |
Average earning assets | $89,815,000 | 4,390 |
Average equity | $8,990,400 | 4,768 |
Average total loans | $80,702,000 | 3,788 |
2016-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.5132% | 241 |
Cost of funding earning assets | 0.9040% | 288 |
Net interest margin | 4.6092% | 498 |
Noninterest income to average assets | 2.9165% | 215 |
Noninterest expense to average assets | 5.3244% | 222 |
Loan and lease loss provision to assets | -0.3026% | 5,908 |
Net operating income to assets | 1.4386% | 988 |
Return on assets (ROA) | 1.4386% | 1,041 |
Pretax return on assets | 2.2371% | 357 |
Return on Equity (ROE) | 15.3114% | 632 |
Retained earnings to average equity (ytd only) | 13.8205% | 183 |
Net charge-offs to loans | -0.4402% | 5,877 |
Credit loss provision to net charge-offs | 80.5970% | 2,656 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 73.3501% | 2,385 |
Assets per employee ($millions) | 2.8373% | 5,519 |
Cash dividends to net income (ytd only)* | 9.7371% | 3,558 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2508% | 2,952 |
Loan loss allowance to noncurrent loans | 126.2864% | 3,150 |
Noncurrent assets plus other real estate owned to assets | 1.2855% | 1,497 |
Noncurrent loans to loans | 0.9905% | 2,263 |
Net loans and leases to total assets | 87.2627% | 177 |
Net loans and leases to deposits | 104.5746% | 429 |
Net loans and leases to core deposits | 109.4317% | 959 |
Total domestic deposits to total assets | 83.4454% | 3,428 |
Equity capital to assets | 9.2588% | 4,909 |
Core capital (leverage) ratio | 8.8246% | 5,031 |
Tier 1 risk-based capital ratio | 10.0667% | 5,769 |
Total risk-based capital ratio | 11.3171% | 5,723 |
Memoranda: | ||
Average total assets | $95,181,750 | 4,476 |
Average earning assets | $89,674,250 | 4,429 |
Average equity | $8,943,000 | 4,817 |
Average total loans | $81,173,750 | 3,797 |
2016-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.4967% | 259 |
Cost of funding earning assets | 0.8867% | 311 |
Net interest margin | 4.6100% | 494 |
Noninterest income to average assets | 2.8472% | 216 |
Noninterest expense to average assets | 5.3542% | 229 |
Loan and lease loss provision to assets | -0.6375% | 6,029 |
Net operating income to assets | 1.6110% | 700 |
Return on assets (ROA) | 1.6110% | 749 |
Pretax return on assets | 2.4639% | 233 |
Return on Equity (ROE) | 17.0549% | 434 |
Retained earnings to average equity (ytd only) | 14.7748% | 153 |
Net charge-offs to loans | -0.9188% | 5,987 |
Credit loss provision to net charge-offs | 82.4513% | 2,338 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 74.5651% | 2,278 |
Assets per employee ($millions) | 2.7951% | 5,610 |
Cash dividends to net income (ytd only)* | 13.3690% | 3,394 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3252% | 2,647 |
Loan loss allowance to noncurrent loans | 122.8448% | 3,281 |
Noncurrent assets plus other real estate owned to assets | 1.3387% | 1,497 |
Noncurrent loans to loans | 1.0788% | 2,133 |
Net loans and leases to total assets | 84.3594% | 394 |
Net loans and leases to deposits | 105.4079% | 388 |
Net loans and leases to core deposits | 111.5587% | 840 |
Total domestic deposits to total assets | 80.0314% | 4,533 |
Equity capital to assets | 9.1261% | 5,134 |
Core capital (leverage) ratio | 9.3596% | 4,386 |
Tier 1 risk-based capital ratio | 10.1958% | 5,792 |
Total risk-based capital ratio | 11.4478% | 5,724 |
Memoranda: | ||
Average total assets | $92,862,000 | 4,565 |
Average earning assets | $87,288,670 | 4,519 |
Average equity | $8,771,670 | 4,876 |
Average total loans | $78,145,000 | 3,897 |
2016-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3301% | 336 |
Cost of funding earning assets | 0.9155% | 271 |
Net interest margin | 4.4146% | 715 |
Noninterest income to average assets | 2.2701% | 291 |
Noninterest expense to average assets | 5.3404% | 229 |
Loan and lease loss provision to assets | 0.0899% | 2,180 |
Net operating income to assets | 0.8271% | 3,113 |
Return on assets (ROA) | 0.8271% | 3,241 |
Pretax return on assets | 0.9800% | 3,554 |
Return on Equity (ROE) | 8.5921% | 2,612 |
Retained earnings to average equity (ytd only) | 6.2573% | 2,257 |
Net charge-offs to loans | -0.0162% | 4,755 |
Credit loss provision to net charge-offs | -666.6667% | 4,638 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 83.3100% | 1,222 |
Assets per employee ($millions) | 2.4206% | 5,886 |
Cash dividends to net income (ytd only)* | 27.1739% | 2,421 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4502% | 2,202 |
Loan loss allowance to noncurrent loans | 102.1356% | 3,583 |
Noncurrent assets plus other real estate owned to assets | 1.7168% | 1,121 |
Noncurrent loans to loans | 1.4198% | 1,678 |
Net loans and leases to total assets | 85.7851% | 234 |
Net loans and leases to deposits | 106.5995% | 316 |
Net loans and leases to core deposits | 113.7843% | 676 |
Total domestic deposits to total assets | 80.4742% | 4,642 |
Equity capital to assets | 9.9299% | 4,175 |
Core capital (leverage) ratio | 9.0777% | 4,761 |
Tier 1 risk-based capital ratio | 10.6117% | 5,707 |
Total risk-based capital ratio | 11.8652% | 5,612 |
Memoranda: | ||
Average total assets | $88,981,500 | 4,679 |
Average earning assets | $83,450,500 | 4,633 |
Average equity | $8,566,000 | 4,940 |
Average total loans | $74,205,000 | 4,016 |
2015-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.4281% | 303 |
Cost of funding earning assets | 0.9422% | 233 |
Net interest margin | 4.4859% | 675 |
Noninterest income to average assets | 3.3343% | 184 |
Noninterest expense to average assets | 5.8519% | 189 |
Loan and lease loss provision to assets | 0.8236% | 115 |
Net operating income to assets | 0.5196% | 4,619 |
Return on assets (ROA) | 0.6033% | 4,355 |
Pretax return on assets | 0.9816% | 3,537 |
Return on Equity (ROE) | 6.4147% | 3,833 |
Retained earnings to average equity (ytd only) | 6.4147% | 1,592 |
Net charge-offs to loans | 1.1140% | 167 |
Credit loss provision to net charge-offs | 89.9504% | 2,761 |
Earnings coverage of net charge-offs (x) | 1.8288% | 4,025 |
Efficiency ratio | 77.7509% | 2,005 |
Assets per employee ($millions) | 2.5228% | 5,880 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4844% | 2,088 |
Loan loss allowance to noncurrent loans | 3,474.1935% | 221 |
Noncurrent assets plus other real estate owned to assets | 0.6694% | 3,036 |
Noncurrent loans to loans | 0.0427% | 5,343 |
Net loans and leases to total assets | 78.7023% | 1,033 |
Net loans and leases to deposits | 97.6823% | 844 |
Net loans and leases to core deposits | 105.1270% | 1,155 |
Total domestic deposits to total assets | 80.5697% | 4,593 |
Equity capital to assets | 9.3358% | 4,744 |
Core capital (leverage) ratio | 8.5188% | 5,406 |
Tier 1 risk-based capital ratio | 10.7332% | 5,653 |
Total risk-based capital ratio | 11.9866% | 5,572 |
Memoranda: | ||
Average total assets | $88,023,200 | 4,711 |
Average earning assets | $82,257,000 | 4,669 |
Average equity | $8,277,800 | 5,009 |
Average total loans | $72,351,200 | 4,037 |
2015-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.5323% | 247 |
Cost of funding earning assets | 0.9294% | 247 |
Net interest margin | 4.6029% | 537 |
Noninterest income to average assets | 3.7164% | 169 |
Noninterest expense to average assets | 5.8936% | 184 |
Loan and lease loss provision to assets | 1.1070% | 60 |
Net operating income to assets | 0.6404% | 4,177 |
Return on assets (ROA) | 0.7527% | 3,766 |
Pretax return on assets | 1.1864% | 2,867 |
Return on Equity (ROE) | 7.9893% | 3,071 |
Retained earnings to average equity (ytd only) | 7.9893% | 1,243 |
Net charge-offs to loans | 1.4864% | 96 |
Credit loss provision to net charge-offs | 89.9504% | 2,472 |
Earnings coverage of net charge-offs (x) | 1.7208% | 3,789 |
Efficiency ratio | 73.5658% | 2,624 |
Assets per employee ($millions) | 2.7085% | 5,829 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5209% | 2,065 |
Loan loss allowance to noncurrent loans | 3,474.1935% | 220 |
Noncurrent assets plus other real estate owned to assets | 0.6698% | 3,247 |
Noncurrent loans to loans | 0.0438% | 5,443 |
Net loans and leases to total assets | 73.5620% | 1,810 |
Net loans and leases to deposits | 87.9950% | 1,901 |
Net loans and leases to core deposits | 94.1310% | 2,063 |
Total domestic deposits to total assets | 83.5979% | 3,570 |
Equity capital to assets | 8.9294% | 5,371 |
Core capital (leverage) ratio | 8.3238% | 5,695 |
Tier 1 risk-based capital ratio | 10.6125% | 5,835 |
Total risk-based capital ratio | 11.8651% | 5,761 |
Memoranda: | ||
Average total assets | $87,323,500 | 4,781 |
Average earning assets | $81,483,250 | 4,745 |
Average equity | $8,227,500 | 5,084 |
Average total loans | $72,300,000 | 4,072 |
2015-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.7399% | 182 |
Cost of funding earning assets | 0.9148% | 269 |
Net interest margin | 4.8250% | 343 |
Noninterest income to average assets | 4.0716% | 157 |
Noninterest expense to average assets | 5.9317% | 185 |
Loan and lease loss provision to assets | 1.5914% | 38 |
Net operating income to assets | 0.6702% | 4,033 |
Return on assets (ROA) | 0.8464% | 3,250 |
Pretax return on assets | 1.3085% | 2,329 |
Return on Equity (ROE) | 8.8116% | 2,646 |
Retained earnings to average equity (ytd only) | 8.8116% | 984 |
Net charge-offs to loans | 2.1705% | 62 |
Credit loss provision to net charge-offs | 85.4430% | 2,267 |
Earnings coverage of net charge-offs (x) | 1.4114% | 3,521 |
Efficiency ratio | 69.2922% | 3,443 |
Assets per employee ($millions) | 2.4920% | 6,034 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4202% | 2,663 |
Loan loss allowance to noncurrent loans | 1,337.1795% | 436 |
Noncurrent assets plus other real estate owned to assets | 0.6008% | 3,615 |
Noncurrent loans to loans | 0.1062% | 5,321 |
Net loans and leases to total assets | 83.0073% | 474 |
Net loans and leases to deposits | 100.8329% | 602 |
Net loans and leases to core deposits | 105.7707% | 1,079 |
Total domestic deposits to total assets | 82.3217% | 4,186 |
Equity capital to assets | 9.5322% | 4,611 |
Core capital (leverage) ratio | 8.8880% | 5,108 |
Tier 1 risk-based capital ratio | 10.3584% | 5,971 |
Total risk-based capital ratio | 11.6109% | 5,911 |
Memoranda: | ||
Average total assets | $84,831,670 | 4,879 |
Average earning assets | $78,921,670 | 4,851 |
Average equity | $8,148,330 | 5,135 |
Average total loans | $72,795,670 | 4,090 |
2015-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.6648% | 206 |
Cost of funding earning assets | 0.9270% | 248 |
Net interest margin | 4.7379% | 392 |
Noninterest income to average assets | 3.9313% | 160 |
Noninterest expense to average assets | 5.5191% | 224 |
Loan and lease loss provision to assets | 2.1521% | 26 |
Net operating income to assets | 0.4656% | 4,810 |
Return on assets (ROA) | 0.8561% | 3,100 |
Pretax return on assets | 1.2100% | 2,623 |
Return on Equity (ROE) | 8.8773% | 2,508 |
Retained earnings to average equity (ytd only) | 8.8773% | 1,241 |
Net charge-offs to loans | 3.5876% | 37 |
Credit loss provision to net charge-offs | 69.2308% | 1,922 |
Earnings coverage of net charge-offs (x) | 0.9046% | 2,995 |
Efficiency ratio | 66.2457% | 4,113 |
Assets per employee ($millions) | 2.4787% | 6,124 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3076% | 3,362 |
Loan loss allowance to noncurrent loans | 280.1170% | 1,701 |
Noncurrent assets plus other real estate owned to assets | 0.9350% | 2,762 |
Noncurrent loans to loans | 0.4668% | 4,182 |
Net loans and leases to total assets | 85.8001% | 206 |
Net loans and leases to deposits | 104.5457% | 349 |
Net loans and leases to core deposits | 109.4581% | 773 |
Total domestic deposits to total assets | 82.0694% | 4,490 |
Equity capital to assets | 9.6719% | 4,546 |
Core capital (leverage) ratio | 8.7956% | 5,207 |
Tier 1 risk-based capital ratio | 9.6796% | 6,237 |
Total risk-based capital ratio | 10.9162% | 6,214 |
Memoranda: | ||
Average total assets | $83,637,500 | 4,952 |
Average earning assets | $77,672,000 | 4,930 |
Average equity | $8,065,500 | 5,196 |
Average total loans | $72,472,500 | 4,119 |
2014-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.7535% | 212 |
Cost of funding earning assets | 0.9265% | 331 |
Net interest margin | 4.8269% | 412 |
Noninterest income to average assets | 1.0998% | 1,005 |
Noninterest expense to average assets | 4.4511% | 484 |
Loan and lease loss provision to assets | 0.4798% | 325 |
Net operating income to assets | 0.3801% | 5,291 |
Return on assets (ROA) | 0.3801% | 5,362 |
Pretax return on assets | 0.6554% | 4,773 |
Return on Equity (ROE) | 4.0713% | 5,080 |
Retained earnings to average equity (ytd only) | 4.0713% | 3,308 |
Net charge-offs to loans | 0.1813% | 2,217 |
Credit loss provision to net charge-offs | 311.4754% | 839 |
Earnings coverage of net charge-offs (x) | 7.3689% | 3,040 |
Efficiency ratio | 79.6338% | 1,987 |
Assets per employee ($millions) | 2.6774% | 6,040 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6155% | 2,037 |
Loan loss allowance to noncurrent loans | 7,237.5000% | 120 |
Noncurrent assets plus other real estate owned to assets | 0.5566% | 3,941 |
Noncurrent loans to loans | 0.0223% | 5,800 |
Net loans and leases to total assets | 84.9651% | 277 |
Net loans and leases to deposits | 103.4806% | 453 |
Net loans and leases to core deposits | 108.7180% | 845 |
Total domestic deposits to total assets | 82.1072% | 4,379 |
Equity capital to assets | 9.6145% | 4,572 |
Core capital (leverage) ratio | 8.7650% | 5,274 |
Tier 1 risk-based capital ratio | 9.7135% | 6,321 |
Total risk-based capital ratio | 10.9669% | 6,287 |
Memoranda: | ||
Average total assets | $79,193,400 | 5,086 |
Average earning assets | $73,608,000 | 5,048 |
Average equity | $7,393,200 | 5,328 |
Average total loans | $67,309,400 | 4,252 |
2014-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.7394% | 215 |
Cost of funding earning assets | 0.9147% | 382 |
Net interest margin | 4.8247% | 408 |
Noninterest income to average assets | 0.8742% | 1,607 |
Noninterest expense to average assets | 4.3250% | 543 |
Loan and lease loss provision to assets | 0.2386% | 923 |
Net operating income to assets | 0.4840% | 4,932 |
Return on assets (ROA) | 0.4840% | 5,005 |
Pretax return on assets | 0.7958% | 4,380 |
Return on Equity (ROE) | 5.2254% | 4,613 |
Retained earnings to average equity (ytd only) | 5.2254% | 2,932 |
Net charge-offs to loans | 0.0282% | 3,924 |
Credit loss provision to net charge-offs | 1,000.0000% | 325 |
Earnings coverage of net charge-offs (x) | 43.3482% | 1,073 |
Efficiency ratio | 80.6359% | 1,818 |
Assets per employee ($millions) | 2.8129% | 5,948 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5009% | 2,700 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.5467% | 4,220 |
Noncurrent loans to loans | 0.0000% | 6,061 |
Net loans and leases to total assets | 82.5388% | 458 |
Net loans and leases to deposits | 100.3144% | 595 |
Net loans and leases to core deposits | 104.3180% | 1,086 |
Total domestic deposits to total assets | 82.2801% | 4,384 |
Equity capital to assets | 9.1119% | 5,243 |
Core capital (leverage) ratio | 8.0383% | 6,046 |
Tier 1 risk-based capital ratio | 8.9587% | 6,483 |
Total risk-based capital ratio | 10.2025% | 6,478 |
Memoranda: | ||
Average total assets | $78,241,750 | 5,164 |
Average earning assets | $72,735,500 | 5,129 |
Average equity | $7,246,500 | 5,401 |
Average total loans | $66,217,000 | 4,325 |
2014-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.6174% | 256 |
Cost of funding earning assets | 0.8721% | 497 |
Net interest margin | 4.7452% | 449 |
Noninterest income to average assets | 0.4953% | 3,509 |
Noninterest expense to average assets | 3.8817% | 870 |
Loan and lease loss provision to assets | 0.1556% | 1,588 |
Net operating income to assets | 0.5471% | 4,615 |
Return on assets (ROA) | 0.5471% | 4,714 |
Pretax return on assets | 0.8738% | 3,984 |
Return on Equity (ROE) | 5.8739% | 4,227 |
Retained earnings to average equity (ytd only) | 5.8739% | 2,400 |
Net charge-offs to loans | -0.0031% | 5,098 |
Credit loss provision to net charge-offs | -6,000.0000% | 5,922 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 78.9335% | 2,176 |
Assets per employee ($millions) | 2.9459% | 5,827 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3851% | 3,429 |
Loan loss allowance to noncurrent loans | 2,669.4444% | 223 |
Noncurrent assets plus other real estate owned to assets | 0.6060% | 4,154 |
Noncurrent loans to loans | 0.0519% | 5,888 |
Net loans and leases to total assets | 86.0220% | 175 |
Net loans and leases to deposits | 106.2850% | 296 |
Net loans and leases to core deposits | 111.6968% | 617 |
Total domestic deposits to total assets | 80.9351% | 5,003 |
Equity capital to assets | 9.2332% | 5,065 |
Core capital (leverage) ratio | 8.7110% | 5,382 |
Tier 1 risk-based capital ratio | 9.2550% | 6,518 |
Total risk-based capital ratio | 10.4989% | 6,506 |
Memoranda: | ||
Average total assets | $77,130,670 | 5,220 |
Average earning assets | $71,777,330 | 5,184 |
Average equity | $7,184,330 | 5,441 |
Average total loans | $65,503,670 | 4,372 |
2014-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.6473% | 243 |
Cost of funding earning assets | 0.8417% | 607 |
Net interest margin | 4.8056% | 375 |
Noninterest income to average assets | 0.3372% | 4,678 |
Noninterest expense to average assets | 3.6404% | 1,232 |
Loan and lease loss provision to assets | 0.3161% | 588 |
Net operating income to assets | 0.5163% | 4,604 |
Return on assets (ROA) | 0.5163% | 4,683 |
Pretax return on assets | 0.8324% | 3,967 |
Return on Equity (ROE) | 5.5176% | 4,270 |
Retained earnings to average equity (ytd only) | 5.5176% | 2,777 |
Net charge-offs to loans | -0.0063% | 4,879 |
Credit loss provision to net charge-offs | -6,000.0000% | 5,608 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 75.7976% | 2,835 |
Assets per employee ($millions) | 3.4535% | 5,026 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4717% | 3,277 |
Loan loss allowance to noncurrent loans | 1,961.2245% | 294 |
Noncurrent assets plus other real estate owned to assets | 0.6232% | 4,253 |
Noncurrent loans to loans | 0.0750% | 5,914 |
Net loans and leases to total assets | 80.9999% | 460 |
Net loans and leases to deposits | 91.0170% | 1,038 |
Net loans and leases to core deposits | 94.5078% | 1,509 |
Total domestic deposits to total assets | 88.9942% | 1,666 |
Equity capital to assets | 9.0355% | 5,081 |
Core capital (leverage) ratio | 8.9536% | 5,083 |
Tier 1 risk-based capital ratio | 9.9164% | 6,497 |
Total risk-based capital ratio | 11.2139% | 6,459 |
Memoranda: | ||
Average total assets | $75,926,500 | 5,302 |
Average earning assets | $70,334,500 | 5,266 |
Average equity | $7,104,500 | 5,489 |
Average total loans | $63,564,500 | 4,476 |
2013-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3654% | 468 |
Cost of funding earning assets | 0.9420% | 598 |
Net interest margin | 4.4234% | 869 |
Noninterest income to average assets | 1.0452% | 1,286 |
Noninterest expense to average assets | 3.6751% | 1,324 |
Loan and lease loss provision to assets | 0.1962% | 1,889 |
Net operating income to assets | 0.7706% | 3,442 |
Return on assets (ROA) | 0.7706% | 3,533 |
Pretax return on assets | 1.2400% | 2,417 |
Return on Equity (ROE) | 7.9290% | 3,066 |
Retained earnings to average equity (ytd only) | 5.7665% | 2,123 |
Net charge-offs to loans | 0.0153% | 5,139 |
Credit loss provision to net charge-offs | 1,555.5556% | 158 |
Earnings coverage of net charge-offs (x) | 113.8889% | 418 |
Efficiency ratio | 71.5186% | 3,563 |
Assets per employee ($millions) | 4.5264% | 2,858 |
Cash dividends to net income (ytd only)* | 27.2727% | 3,406 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4556% | 3,397 |
Loan loss allowance to noncurrent loans | 6,428.5714% | 116 |
Noncurrent assets plus other real estate owned to assets | 0.6352% | 4,327 |
Noncurrent loans to loans | 0.0226% | 6,198 |
Net loans and leases to total assets | 84.1305% | 247 |
Net loans and leases to deposits | 101.7298% | 411 |
Net loans and leases to core deposits | 106.8255% | 755 |
Total domestic deposits to total assets | 82.7000% | 4,639 |
Equity capital to assets | 9.7098% | 4,155 |
Core capital (leverage) ratio | 9.4439% | 4,348 |
Tier 1 risk-based capital ratio | 10.5752% | 6,344 |
Total risk-based capital ratio | 11.8838% | 6,275 |
Memoranda: | ||
Average total assets | $71,372,200 | 5,432 |
Average earning assets | $65,605,600 | 5,416 |
Average equity | $6,936,600 | 5,582 |
Average total loans | $58,893,800 | 4,651 |
2013-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3700% | 468 |
Cost of funding earning assets | 0.9769% | 560 |
Net interest margin | 4.3931% | 905 |
Noninterest income to average assets | 1.1475% | 1,111 |
Noninterest expense to average assets | 3.7350% | 1,194 |
Loan and lease loss provision to assets | 0.2437% | 1,472 |
Net operating income to assets | 0.7481% | 3,609 |
Return on assets (ROA) | 0.7481% | 3,737 |
Pretax return on assets | 1.1906% | 2,744 |
Return on Equity (ROE) | 7.6958% | 3,284 |
Retained earnings to average equity (ytd only) | 7.6958% | 1,551 |
Net charge-offs to loans | -0.0160% | 5,998 |
Credit loss provision to net charge-offs | -1,857.1429% | 6,267 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 71.8897% | 3,424 |
Assets per employee ($millions) | 4.3788% | 3,087 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6697% | 2,728 |
Loan loss allowance to noncurrent loans | 2,922.5806% | 204 |
Noncurrent assets plus other real estate owned to assets | 0.6808% | 4,414 |
Noncurrent loans to loans | 0.0571% | 6,175 |
Net loans and leases to total assets | 76.1551% | 984 |
Net loans and leases to deposits | 87.4070% | 1,441 |
Net loans and leases to core deposits | 91.6894% | 1,792 |
Total domestic deposits to total assets | 87.1269% | 2,620 |
Equity capital to assets | 10.0398% | 3,847 |
Core capital (leverage) ratio | 9.3457% | 4,623 |
Tier 1 risk-based capital ratio | 11.6768% | 5,961 |
Total risk-based capital ratio | 13.0049% | 5,878 |
Memoranda: | ||
Average total assets | $71,109,750 | 5,498 |
Average earning assets | $65,101,000 | 5,485 |
Average equity | $6,912,750 | 5,661 |
Average total loans | $58,160,000 | 4,720 |
2013-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3775% | 462 |
Cost of funding earning assets | 0.9991% | 545 |
Net interest margin | 4.3784% | 884 |
Noninterest income to average assets | 1.3070% | 911 |
Noninterest expense to average assets | 3.7168% | 1,227 |
Loan and lease loss provision to assets | 0.2799% | 1,310 |
Net operating income to assets | 0.8172% | 3,212 |
Return on assets (ROA) | 0.8172% | 3,366 |
Pretax return on assets | 1.3210% | 2,228 |
Return on Equity (ROE) | 8.4978% | 2,845 |
Retained earnings to average equity (ytd only) | 8.4978% | 1,289 |
Net charge-offs to loans | -0.0235% | 6,020 |
Credit loss provision to net charge-offs | -1,428.5714% | 6,087 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 69.5263% | 3,922 |
Assets per employee ($millions) | 3.3207% | 5,231 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5716% | 3,259 |
Loan loss allowance to noncurrent loans | 1,055.4217% | 441 |
Noncurrent assets plus other real estate owned to assets | 0.7586% | 4,317 |
Noncurrent loans to loans | 0.1489% | 5,948 |
Net loans and leases to total assets | 78.6721% | 680 |
Net loans and leases to deposits | 90.0957% | 1,133 |
Net loans and leases to core deposits | 94.5066% | 1,478 |
Total domestic deposits to total assets | 87.3206% | 2,644 |
Equity capital to assets | 9.9376% | 3,986 |
Core capital (leverage) ratio | 8.7889% | 5,308 |
Tier 1 risk-based capital ratio | 11.4057% | 6,156 |
Total risk-based capital ratio | 12.7261% | 6,089 |
Memoranda: | ||
Average total assets | $71,459,330 | 5,525 |
Average earning assets | $65,457,330 | 5,513 |
Average equity | $6,872,330 | 5,717 |
Average total loans | $59,459,670 | 4,692 |
2013-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1128% | 726 |
Cost of funding earning assets | 1.0238% | 540 |
Net interest margin | 4.0891% | 1,492 |
Noninterest income to average assets | 1.3219% | 884 |
Noninterest expense to average assets | 3.7610% | 1,163 |
Loan and lease loss provision to assets | 0.2212% | 1,673 |
Net operating income to assets | 0.6858% | 3,756 |
Return on assets (ROA) | 0.6858% | 3,906 |
Pretax return on assets | 1.0951% | 2,972 |
Return on Equity (ROE) | 7.2478% | 3,354 |
Retained earnings to average equity (ytd only) | 7.2478% | 2,050 |
Net charge-offs to loans | -0.0391% | 6,019 |
Credit loss provision to net charge-offs | -666.6667% | 5,551 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 73.7473% | 3,306 |
Assets per employee ($millions) | 3.5762% | 4,825 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2512% | 4,939 |
Loan loss allowance to noncurrent loans | 958.8235% | 493 |
Noncurrent assets plus other real estate owned to assets | 0.7071% | 4,608 |
Noncurrent loans to loans | 0.1305% | 6,078 |
Net loans and leases to total assets | 85.6525% | 133 |
Net loans and leases to deposits | 96.9933% | 491 |
Net loans and leases to core deposits | 101.1336% | 881 |
Total domestic deposits to total assets | 88.3076% | 2,124 |
Equity capital to assets | 9.1864% | 5,268 |
Core capital (leverage) ratio | 8.7004% | 5,329 |
Tier 1 risk-based capital ratio | 11.6712% | 6,102 |
Total risk-based capital ratio | 12.8354% | 6,107 |
Memoranda: | ||
Average total assets | $72,321,500 | 5,554 |
Average earning assets | $66,421,000 | 5,532 |
Average equity | $6,843,500 | 5,782 |
Average total loans | $61,320,500 | 4,657 |
2012-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.6781% | 448 |
Cost of funding earning assets | 1.0786% | 988 |
Net interest margin | 4.5995% | 787 |
Noninterest income to average assets | 0.7515% | 2,489 |
Noninterest expense to average assets | 3.1907% | 2,648 |
Loan and lease loss provision to assets | 0.4149% | 1,547 |
Net operating income to assets | 0.8837% | 2,898 |
Return on assets (ROA) | 0.8877% | 3,116 |
Pretax return on assets | 1.4184% | 1,971 |
Return on Equity (ROE) | 9.4205% | 2,438 |
Retained earnings to average equity (ytd only) | 9.4205% | 717 |
Net charge-offs to loans | 0.5002% | 2,240 |
Credit loss provision to net charge-offs | 98.1481% | 3,162 |
Earnings coverage of net charge-offs (x) | 4.3222% | 3,410 |
Efficiency ratio | 63.1513% | 5,048 |
Assets per employee ($millions) | 4.3464% | 3,262 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3374% | 4,467 |
Loan loss allowance to noncurrent loans | 1,478.8462% | 342 |
Noncurrent assets plus other real estate owned to assets | 0.7161% | 4,692 |
Noncurrent loans to loans | 0.0904% | 6,260 |
Net loans and leases to total assets | 81.5783% | 355 |
Net loans and leases to deposits | 94.0720% | 746 |
Net loans and leases to core deposits | 97.1239% | 1,214 |
Total domestic deposits to total assets | 86.7190% | 2,978 |
Equity capital to assets | 9.7609% | 4,513 |
Core capital (leverage) ratio | 8.8925% | 5,052 |
Tier 1 risk-based capital ratio | 12.0406% | 5,762 |
Total risk-based capital ratio | 13.1937% | 5,777 |
Memoranda: | ||
Average total assets | $63,873,600 | 5,822 |
Average earning assets | $59,245,000 | 5,772 |
Average equity | $6,018,800 | 6,019 |
Average total loans | $53,982,400 | 4,941 |
2012-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.6051% | 552 |
Cost of funding earning assets | 1.0804% | 1,141 |
Net interest margin | 4.5247% | 943 |
Noninterest income to average assets | 0.4398% | 4,369 |
Noninterest expense to average assets | 2.9972% | 3,244 |
Loan and lease loss provision to assets | 0.3309% | 1,982 |
Net operating income to assets | 0.8591% | 3,173 |
Return on assets (ROA) | 0.8646% | 3,399 |
Pretax return on assets | 1.3492% | 2,413 |
Return on Equity (ROE) | 9.2678% | 2,687 |
Retained earnings to average equity (ytd only) | 9.2678% | 1,132 |
Net charge-offs to loans | 0.2661% | 3,125 |
Credit loss provision to net charge-offs | 146.2264% | 1,949 |
Earnings coverage of net charge-offs (x) | 7.3868% | 2,610 |
Efficiency ratio | 63.7403% | 4,848 |
Assets per employee ($millions) | 4.1898% | 3,497 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4206% | 4,286 |
Loan loss allowance to noncurrent loans | 2,743.3333% | 206 |
Noncurrent assets plus other real estate owned to assets | 0.7250% | 4,871 |
Noncurrent loans to loans | 0.0518% | 6,487 |
Net loans and leases to total assets | 85.1930% | 179 |
Net loans and leases to deposits | 97.3593% | 578 |
Net loans and leases to core deposits | 100.5936% | 1,081 |
Total domestic deposits to total assets | 87.5037% | 2,347 |
Equity capital to assets | 9.2950% | 5,474 |
Core capital (leverage) ratio | 8.4109% | 5,883 |
Tier 1 risk-based capital ratio | 11.9167% | 5,982 |
Total risk-based capital ratio | 13.1685% | 5,970 |
Memoranda: | ||
Average total assets | $62,456,250 | 5,932 |
Average earning assets | $58,374,000 | 5,864 |
Average equity | $5,826,500 | 6,143 |
Average total loans | $53,102,750 | 5,027 |
2012-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3826% | 903 |
Cost of funding earning assets | 1.0863% | 1,279 |
Net interest margin | 4.2963% | 1,487 |
Noninterest income to average assets | 0.2462% | 5,814 |
Noninterest expense to average assets | 2.8229% | 3,931 |
Loan and lease loss provision to assets | 0.3611% | 1,830 |
Net operating income to assets | 0.6765% | 3,991 |
Return on assets (ROA) | 0.6828% | 4,228 |
Pretax return on assets | 1.0963% | 3,314 |
Return on Equity (ROE) | 7.3089% | 3,607 |
Retained earnings to average equity (ytd only) | 7.3089% | 1,947 |
Net charge-offs to loans | 0.2175% | 3,273 |
Credit loss provision to net charge-offs | 196.4286% | 1,447 |
Earnings coverage of net charge-offs (x) | 7.8750% | 2,405 |
Efficiency ratio | 65.5650% | 4,608 |
Assets per employee ($millions) | 4.3553% | 3,159 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4527% | 4,239 |
Loan loss allowance to noncurrent loans | 405.8824% | 900 |
Noncurrent assets plus other real estate owned to assets | 1.0103% | 4,354 |
Noncurrent loans to loans | 0.3579% | 5,829 |
Net loans and leases to total assets | 85.9789% | 140 |
Net loans and leases to deposits | 108.0462% | 180 |
Net loans and leases to core deposits | 112.0912% | 506 |
Total domestic deposits to total assets | 79.5760% | 5,844 |
Equity capital to assets | 9.2392% | 5,417 |
Core capital (leverage) ratio | 8.4967% | 5,651 |
Tier 1 risk-based capital ratio | 11.9251% | 5,977 |
Total risk-based capital ratio | 13.1920% | 5,935 |
Memoranda: | ||
Average total assets | $60,929,670 | 6,005 |
Average earning assets | $57,072,330 | 5,940 |
Average equity | $5,691,670 | 6,197 |
Average total loans | $51,492,670 | 5,125 |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2742% | 1,158 |
Cost of funding earning assets | 1.1100% | 1,349 |
Net interest margin | 4.1642% | 1,870 |
Noninterest income to average assets | 0.1294% | 6,602 |
Noninterest expense to average assets | 2.5745% | 4,903 |
Loan and lease loss provision to assets | 0.4427% | 1,408 |
Net operating income to assets | 0.6340% | 4,202 |
Return on assets (ROA) | 0.6470% | 4,344 |
Pretax return on assets | 1.0421% | 3,526 |
Return on Equity (ROE) | 6.8847% | 3,845 |
Retained earnings to average equity (ytd only) | 6.8847% | 2,487 |
Net charge-offs to loans | 0.0000% | 4,730 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 63.2378% | 5,060 |
Assets per employee ($millions) | 5.6314% | 1,585 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5869% | 3,773 |
Loan loss allowance to noncurrent loans | 351.0460% | 954 |
Noncurrent assets plus other real estate owned to assets | 1.1220% | 4,258 |
Noncurrent loans to loans | 0.4520% | 5,773 |
Net loans and leases to total assets | 83.9971% | 184 |
Net loans and leases to deposits | 104.9879% | 231 |
Net loans and leases to core deposits | 109.0955% | 567 |
Total domestic deposits to total assets | 80.0065% | 5,853 |
Equity capital to assets | 9.0968% | 5,363 |
Core capital (leverage) ratio | 9.1721% | 4,566 |
Tier 1 risk-based capital ratio | 11.5389% | 6,258 |
Total risk-based capital ratio | 12.7964% | 6,228 |
Memoranda: | ||
Average total assets | $58,729,500 | 6,101 |
Average earning assets | $55,136,000 | 6,026 |
Average equity | $5,519,500 | 6,269 |
Average total loans | $48,740,000 | 5,278 |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1646% | 2,205 |
Cost of funding earning assets | 1.3041% | 1,468 |
Net interest margin | 3.8604% | 3,515 |
Noninterest income to average assets | 0.2274% | 5,904 |
Noninterest expense to average assets | 2.6572% | 4,897 |
Loan and lease loss provision to assets | 0.7060% | 1,447 |
Net operating income to assets | 0.3952% | 4,890 |
Return on assets (ROA) | 0.4621% | 4,784 |
Pretax return on assets | 0.6363% | 4,574 |
Return on Equity (ROE) | 4.7927% | 4,483 |
Retained earnings to average equity (ytd only) | 4.7927% | 2,794 |
Net charge-offs to loans | 0.8494% | 2,042 |
Credit loss provision to net charge-offs | 108.1461% | 3,121 |
Earnings coverage of net charge-offs (x) | 1.9157% | 4,338 |
Efficiency ratio | 67.3393% | 4,507 |
Assets per employee ($millions) | 6.9393% | 758 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7351% | 3,074 |
Loan loss allowance to noncurrent loans | 556.8345% | 637 |
Noncurrent assets plus other real estate owned to assets | 1.0970% | 4,425 |
Noncurrent loans to loans | 0.3116% | 6,108 |
Net loans and leases to total assets | 78.9621% | 616 |
Net loans and leases to deposits | 92.9062% | 891 |
Net loans and leases to core deposits | 97.8023% | 1,346 |
Total domestic deposits to total assets | 84.9912% | 3,857 |
Equity capital to assets | 9.7345% | 4,545 |
Core capital (leverage) ratio | 8.7759% | 5,138 |
Tier 1 risk-based capital ratio | 12.1488% | 5,729 |
Total risk-based capital ratio | 13.3958% | 5,706 |
Memoranda: | ||
Average total assets | $54,530,600 | 6,212 |
Average earning assets | $51,988,800 | 6,123 |
Average equity | $5,258,000 | 6,362 |
Average total loans | $41,914,200 | 5,602 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1234% | 2,501 |
Cost of funding earning assets | 1.3369% | 1,518 |
Net interest margin | 3.7866% | 3,941 |
Noninterest income to average assets | 0.2726% | 5,666 |
Noninterest expense to average assets | 2.5986% | 5,083 |
Loan and lease loss provision to assets | 0.7614% | 1,245 |
Net operating income to assets | 0.3463% | 5,220 |
Return on assets (ROA) | 0.4274% | 5,062 |
Pretax return on assets | 0.6459% | 4,661 |
Return on Equity (ROE) | 4.4430% | 4,800 |
Retained earnings to average equity (ytd only) | 4.4430% | 3,563 |
Net charge-offs to loans | 1.1348% | 1,392 |
Credit loss provision to net charge-offs | 88.3191% | 3,829 |
Earnings coverage of net charge-offs (x) | 1.4900% | 4,520 |
Efficiency ratio | 66.2872% | 4,673 |
Assets per employee ($millions) | 6.8643% | 791 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7463% | 3,119 |
Loan loss allowance to noncurrent loans | 17,600.0000% | 31 |
Noncurrent assets plus other real estate owned to assets | 1.0107% | 4,734 |
Noncurrent loans to loans | 0.0099% | 6,935 |
Net loans and leases to total assets | 72.1291% | 1,680 |
Net loans and leases to deposits | 84.7433% | 1,882 |
Net loans and leases to core deposits | 89.2275% | 2,336 |
Total domestic deposits to total assets | 85.1149% | 3,718 |
Equity capital to assets | 9.6697% | 4,828 |
Core capital (leverage) ratio | 8.5531% | 5,630 |
Tier 1 risk-based capital ratio | 12.6876% | 5,341 |
Total risk-based capital ratio | 13.9153% | 5,336 |
Memoranda: | ||
Average total assets | $54,284,750 | 6,272 |
Average earning assets | $51,760,750 | 6,181 |
Average equity | $5,221,500 | 6,424 |
Average total loans | $41,240,500 | 5,681 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0428% | 2,954 |
Cost of funding earning assets | 1.3616% | 1,593 |
Net interest margin | 3.6813% | 4,351 |
Noninterest income to average assets | 0.2996% | 5,493 |
Noninterest expense to average assets | 2.6297% | 5,080 |
Loan and lease loss provision to assets | 0.5918% | 1,634 |
Net operating income to assets | 0.4105% | 4,894 |
Return on assets (ROA) | 0.4105% | 5,052 |
Pretax return on assets | 0.5881% | 4,778 |
Return on Equity (ROE) | 4.2758% | 4,804 |
Retained earnings to average equity (ytd only) | 4.2758% | 3,476 |
Net charge-offs to loans | 1.2804% | 1,211 |
Credit loss provision to net charge-offs | 60.1504% | 4,336 |
Earnings coverage of net charge-offs (x) | 1.1992% | 4,385 |
Efficiency ratio | 68.3495% | 4,454 |
Assets per employee ($millions) | 6.8434% | 794 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3935% | 4,607 |
Loan loss allowance to noncurrent loans | 1,141.0714% | 336 |
Noncurrent assets plus other real estate owned to assets | 0.9462% | 4,972 |
Noncurrent loans to loans | 0.1221% | 6,676 |
Net loans and leases to total assets | 82.5927% | 331 |
Net loans and leases to deposits | 101.4721% | 426 |
Net loans and leases to core deposits | 105.5338% | 956 |
Total domestic deposits to total assets | 81.3944% | 5,390 |
Equity capital to assets | 9.7138% | 4,520 |
Core capital (leverage) ratio | 9.0541% | 4,640 |
Tier 1 risk-based capital ratio | 11.9455% | 5,827 |
Total risk-based capital ratio | 13.1881% | 5,812 |
Memoranda: | ||
Average total assets | $54,075,000 | 6,329 |
Average earning assets | $51,558,330 | 6,234 |
Average equity | $5,192,000 | 6,470 |
Average total loans | $41,549,670 | 5,728 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9113% | 3,538 |
Cost of funding earning assets | 1.4710% | 1,290 |
Net interest margin | 3.4402% | 5,260 |
Noninterest income to average assets | 0.1786% | 6,441 |
Noninterest expense to average assets | 2.5680% | 5,336 |
Loan and lease loss provision to assets | 0.2605% | 3,055 |
Net operating income to assets | 0.3945% | 4,978 |
Return on assets (ROA) | 0.3945% | 5,070 |
Pretax return on assets | 0.6401% | 4,534 |
Return on Equity (ROE) | 4.1334% | 4,831 |
Retained earnings to average equity (ytd only) | 4.1334% | 3,685 |
Net charge-offs to loans | -0.1421% | 7,187 |
Credit loss provision to net charge-offs | -250.0000% | 5,832 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 73.3906% | 3,623 |
Assets per employee ($millions) | 6.6645% | 857 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.3091% | 1,746 |
Loan loss allowance to noncurrent loans | 155.9921% | 1,883 |
Noncurrent assets plus other real estate owned to assets | 0.9547% | 4,989 |
Noncurrent loans to loans | 1.4803% | 4,252 |
Net loans and leases to total assets | 63.0055% | 3,656 |
Net loans and leases to deposits | 74.0891% | 3,748 |
Net loans and leases to core deposits | 76.0706% | 4,292 |
Total domestic deposits to total assets | 85.0401% | 4,013 |
Equity capital to assets | 9.6781% | 4,203 |
Core capital (leverage) ratio | 8.2417% | 5,918 |
Tier 1 risk-based capital ratio | 14.0730% | 4,026 |
Total risk-based capital ratio | 15.3370% | 3,991 |
Memoranda: | ||
Average total assets | $53,739,000 | 6,380 |
Average earning assets | $51,392,000 | 6,292 |
Average equity | $5,129,000 | 6,511 |
Average total loans | $39,396,500 | 5,875 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.7478% | 1,411 |
Cost of funding earning assets | 1.6437% | 1,852 |
Net interest margin | 4.1041% | 2,544 |
Noninterest income to average assets | 0.0998% | 6,899 |
Noninterest expense to average assets | 2.7180% | 4,910 |
Loan and lease loss provision to assets | 0.8601% | 1,895 |
Net operating income to assets | 0.2774% | 5,010 |
Return on assets (ROA) | 0.2774% | 5,176 |
Pretax return on assets | 0.4031% | 4,935 |
Return on Equity (ROE) | 2.8152% | 5,031 |
Retained earnings to average equity (ytd only) | 2.8152% | 3,881 |
Net charge-offs to loans | 0.4096% | 3,994 |
Credit loss provision to net charge-offs | 244.8864% | 1,174 |
Earnings coverage of net charge-offs (x) | 3.5966% | 3,289 |
Efficiency ratio | 67.5689% | 4,652 |
Assets per employee ($millions) | 6.7703% | 833 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6777% | 3,301 |
Loan loss allowance to noncurrent loans | 152.6639% | 1,958 |
Noncurrent assets plus other real estate owned to assets | 1.1318% | 4,745 |
Noncurrent loans to loans | 1.0989% | 4,904 |
Net loans and leases to total assets | 80.6137% | 583 |
Net loans and leases to deposits | 94.4983% | 1,010 |
Net loans and leases to core deposits | 95.8993% | 2,025 |
Total domestic deposits to total assets | 85.3070% | 3,715 |
Equity capital to assets | 9.4125% | 4,528 |
Core capital (leverage) ratio | 8.3071% | 5,675 |
Tier 1 risk-based capital ratio | 12.8050% | 4,769 |
Total risk-based capital ratio | 14.0775% | 4,714 |
Memoranda: | ||
Average total assets | $50,110,200 | 6,531 |
Average earning assets | $47,392,000 | 6,460 |
Average equity | $4,937,400 | 6,685 |
Average total loans | $42,973,600 | 5,790 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.8107% | 1,364 |
Cost of funding earning assets | 1.6799% | 1,968 |
Net interest margin | 4.1308% | 2,485 |
Noninterest income to average assets | 0.0978% | 7,057 |
Noninterest expense to average assets | 2.6477% | 5,119 |
Loan and lease loss provision to assets | 0.7631% | 2,005 |
Net operating income to assets | 0.3666% | 4,902 |
Return on assets (ROA) | 0.3666% | 5,082 |
Pretax return on assets | 0.5866% | 4,641 |
Return on Equity (ROE) | 3.6755% | 4,926 |
Retained earnings to average equity (ytd only) | 3.6755% | 3,872 |
Net charge-offs to loans | 0.3786% | 3,784 |
Credit loss provision to net charge-offs | 232.2314% | 1,473 |
Earnings coverage of net charge-offs (x) | 4.1074% | 3,186 |
Efficiency ratio | 65.5571% | 4,952 |
Assets per employee ($millions) | 6.2301% | 1,106 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5266% | 3,844 |
Loan loss allowance to noncurrent loans | 256.9170% | 1,144 |
Noncurrent assets plus other real estate owned to assets | 0.7584% | 5,589 |
Noncurrent loans to loans | 0.5942% | 6,026 |
Net loans and leases to total assets | 84.1255% | 324 |
Net loans and leases to deposits | 100.3542% | 632 |
Net loans and leases to core deposits | 101.1141% | 1,737 |
Total domestic deposits to total assets | 83.8286% | 4,223 |
Equity capital to assets | 10.3268% | 3,730 |
Core capital (leverage) ratio | 8.9386% | 4,781 |
Tier 1 risk-based capital ratio | 13.5467% | 4,163 |
Total risk-based capital ratio | 14.8053% | 4,104 |
Memoranda: | ||
Average total assets | $49,097,250 | 6,654 |
Average earning assets | $46,350,250 | 6,581 |
Average equity | $4,897,250 | 6,787 |
Average total loans | $42,615,250 | 5,892 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.6840% | 1,823 |
Cost of funding earning assets | 1.7295% | 1,970 |
Net interest margin | 3.9545% | 3,227 |
Noninterest income to average assets | 0.0860% | 7,149 |
Noninterest expense to average assets | 2.5835% | 5,389 |
Loan and lease loss provision to assets | 0.8639% | 1,685 |
Net operating income to assets | 0.2293% | 5,464 |
Return on assets (ROA) | 0.2293% | 5,600 |
Pretax return on assets | 0.3644% | 5,328 |
Return on Equity (ROE) | 2.3265% | 5,532 |
Retained earnings to average equity (ytd only) | 2.3265% | 4,676 |
Net charge-offs to loans | 0.5677% | 2,838 |
Credit loss provision to net charge-offs | 174.3802% | 2,245 |
Earnings coverage of net charge-offs (x) | 2.4793% | 3,756 |
Efficiency ratio | 67.0247% | 4,759 |
Assets per employee ($millions) | 6.6686% | 891 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2968% | 4,936 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.2343% | 6,809 |
Noncurrent loans to loans | 0.0000% | 7,347 |
Net loans and leases to total assets | 82.7494% | 462 |
Net loans and leases to deposits | 106.9221% | 356 |
Net loans and leases to core deposits | 111.6405% | 1,051 |
Total domestic deposits to total assets | 77.3923% | 6,413 |
Equity capital to assets | 9.4379% | 4,805 |
Core capital (leverage) ratio | 9.2541% | 4,204 |
Tier 1 risk-based capital ratio | 12.9828% | 4,462 |
Total risk-based capital ratio | 14.2320% | 4,421 |
Memoranda: | ||
Average total assets | $48,849,330 | 6,703 |
Average earning assets | $46,023,670 | 6,632 |
Average equity | $4,814,000 | 6,839 |
Average total loans | $42,627,330 | 5,923 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.8306% | 1,373 |
Cost of funding earning assets | 1.8412% | 1,694 |
Net interest margin | 3.9893% | 2,917 |
Noninterest income to average assets | 0.0944% | 7,237 |
Noninterest expense to average assets | 2.6696% | 5,063 |
Loan and lease loss provision to assets | 0.3434% | 3,323 |
Net operating income to assets | 0.5408% | 4,178 |
Return on assets (ROA) | 0.5408% | 4,316 |
Pretax return on assets | 0.8755% | 3,558 |
Return on Equity (ROE) | 5.3577% | 4,178 |
Retained earnings to average equity (ytd only) | 5.3577% | 2,957 |
Net charge-offs to loans | 0.1828% | 3,826 |
Credit loss provision to net charge-offs | 210.5263% | 1,770 |
Earnings coverage of net charge-offs (x) | 7.4737% | 2,085 |
Efficiency ratio | 67.9912% | 4,725 |
Assets per employee ($millions) | 5.8596% | 1,365 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2525% | 5,196 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.4629% | 6,314 |
Noncurrent loans to loans | 0.0000% | 7,426 |
Net loans and leases to total assets | 85.9398% | 217 |
Net loans and leases to deposits | 103.1916% | 578 |
Net loans and leases to core deposits | 106.5824% | 1,531 |
Total domestic deposits to total assets | 83.2818% | 4,483 |
Equity capital to assets | 10.6342% | 3,117 |
Core capital (leverage) ratio | 9.3546% | 3,964 |
Tier 1 risk-based capital ratio | 13.8005% | 3,798 |
Total risk-based capital ratio | 15.0560% | 3,749 |
Memoranda: | ||
Average total assets | $46,599,500 | 6,857 |
Average earning assets | $44,318,000 | 6,764 |
Average equity | $4,703,500 | 6,945 |
Average total loans | $41,578,000 | 6,044 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.0341% | 1,731 |
Cost of funding earning assets | 2.3900% | 1,336 |
Net interest margin | 3.6441% | 4,375 |
Noninterest income to average assets | 0.1238% | 7,135 |
Noninterest expense to average assets | 2.7019% | 5,381 |
Loan and lease loss provision to assets | 0.5248% | 3,750 |
Net operating income to assets | 0.2960% | 4,547 |
Return on assets (ROA) | 0.2960% | 4,628 |
Pretax return on assets | 0.2987% | 4,764 |
Return on Equity (ROE) | 2.9326% | 4,533 |
Retained earnings to average equity (ytd only) | 2.9326% | 3,114 |
Net charge-offs to loans | -0.0064% | 7,727 |
Credit loss provision to net charge-offs | -9,750.0000% | 7,510 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 75.5725% | 3,601 |
Assets per employee ($millions) | 5.7903% | 1,387 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1568% | 5,606 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.4037% | 6,444 |
Noncurrent loans to loans | 0.0000% | 7,460 |
Net loans and leases to total assets | 90.3869% | 77 |
Net loans and leases to deposits | 110.1033% | 379 |
Net loans and leases to core deposits | 137.1675% | 907 |
Total domestic deposits to total assets | 82.0927% | 4,906 |
Equity capital to assets | 9.5462% | 4,357 |
Core capital (leverage) ratio | 8.3289% | 5,559 |
Tier 1 risk-based capital ratio | 11.8320% | 5,086 |
Total risk-based capital ratio | 13.0847% | 5,049 |
Memoranda: | ||
Average total assets | $37,159,400 | 7,206 |
Average earning assets | $34,686,400 | 7,153 |
Average equity | $3,751,000 | 7,371 |
Average total loans | $31,199,600 | 6,572 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.9271% | 2,327 |
Cost of funding earning assets | 2.5149% | 1,250 |
Net interest margin | 3.4122% | 5,207 |
Noninterest income to average assets | 0.1185% | 7,299 |
Noninterest expense to average assets | 2.8028% | 4,884 |
Loan and lease loss provision to assets | 0.4589% | 3,617 |
Net operating income to assets | 0.1491% | 5,326 |
Return on assets (ROA) | 0.1491% | 5,386 |
Pretax return on assets | 0.0268% | 5,655 |
Return on Equity (ROE) | 1.4512% | 5,353 |
Retained earnings to average equity (ytd only) | 1.4512% | 4,507 |
Net charge-offs to loans | -0.0047% | 7,626 |
Credit loss provision to net charge-offs | -12,000.0000% | 7,441 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 84.0698% | 2,290 |
Assets per employee ($millions) | 5.9951% | 1,221 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1962% | 5,136 |
Loan loss allowance to noncurrent loans | 213.4021% | 1,386 |
Noncurrent assets plus other real estate owned to assets | 0.4623% | 6,307 |
Noncurrent loans to loans | 0.5605% | 6,193 |
Net loans and leases to total assets | 81.4826% | 899 |
Net loans and leases to deposits | 99.7171% | 1,129 |
Net loans and leases to core deposits | 125.2610% | 1,791 |
Total domestic deposits to total assets | 81.7138% | 4,801 |
Equity capital to assets | 9.1765% | 5,205 |
Core capital (leverage) ratio | 7.8418% | 6,565 |
Tier 1 risk-based capital ratio | 10.7926% | 6,168 |
Total risk-based capital ratio | 12.0450% | 6,130 |
Memoranda: | ||
Average total assets | $34,868,750 | 7,344 |
Average earning assets | $32,393,000 | 7,310 |
Average equity | $3,583,250 | 7,483 |
Average total loans | $28,409,750 | 6,775 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.9187% | 2,503 |
Cost of funding earning assets | 2.6201% | 1,232 |
Net interest margin | 3.2986% | 5,560 |
Noninterest income to average assets | 0.1354% | 7,283 |
Noninterest expense to average assets | 2.8736% | 4,606 |
Loan and lease loss provision to assets | 0.3692% | 3,709 |
Net operating income to assets | 0.1354% | 5,463 |
Return on assets (ROA) | 0.1354% | 5,564 |
Pretax return on assets | -0.0861% | 5,979 |
Return on Equity (ROE) | 1.2593% | 5,552 |
Retained earnings to average equity (ytd only) | 1.2593% | 4,644 |
Net charge-offs to loans | 0.0000% | 6,628 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 89.6686% | 1,847 |
Assets per employee ($millions) | 5.6369% | 1,467 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0421% | 5,955 |
Loan loss allowance to noncurrent loans | 35,300.0000% | 11 |
Noncurrent assets plus other real estate owned to assets | 0.0025% | 7,662 |
Noncurrent loans to loans | 0.0030% | 7,568 |
Net loans and leases to total assets | 84.9562% | 516 |
Net loans and leases to deposits | 105.7043% | 781 |
Net loans and leases to core deposits | 128.9655% | 1,656 |
Total domestic deposits to total assets | 80.3715% | 5,328 |
Equity capital to assets | 9.7167% | 4,324 |
Core capital (leverage) ratio | 8.5250% | 5,396 |
Tier 1 risk-based capital ratio | 11.9966% | 4,921 |
Total risk-based capital ratio | 13.2404% | 4,844 |
Memoranda: | ||
Average total assets | $32,503,000 | 7,508 |
Average earning assets | $29,770,000 | 7,489 |
Average equity | $3,494,000 | 7,579 |
Average total loans | $26,343,330 | 6,948 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.8078% | 3,256 |
Cost of funding earning assets | 2.7797% | 1,030 |
Net interest margin | 3.0281% | 6,407 |
Noninterest income to average assets | 0.1792% | 7,017 |
Noninterest expense to average assets | 2.8527% | 4,326 |
Loan and lease loss provision to assets | 0.4134% | 2,854 |
Net operating income to assets | -0.3445% | 6,731 |
Return on assets (ROA) | -0.3445% | 6,808 |
Pretax return on assets | -0.3996% | 6,746 |
Return on Equity (ROE) | -3.0084% | 6,777 |
Retained earnings to average equity (ytd only) | -3.0084% | 6,279 |
Net charge-offs to loans | 0.0000% | 5,728 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 98.0769% | 1,215 |
Assets per employee ($millions) | 4.5407% | 2,655 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2603% | 4,342 |
Loan loss allowance to noncurrent loans | 32,300.0000% | 16 |
Noncurrent assets plus other real estate owned to assets | 0.0031% | 7,654 |
Noncurrent loans to loans | 0.0039% | 7,572 |
Net loans and leases to total assets | 79.6162% | 1,454 |
Net loans and leases to deposits | 99.8895% | 1,427 |
Net loans and leases to core deposits | 124.7584% | 2,013 |
Total domestic deposits to total assets | 79.7043% | 5,463 |
Equity capital to assets | 11.2065% | 2,804 |
Core capital (leverage) ratio | 10.6611% | 2,776 |
Tier 1 risk-based capital ratio | 12.6820% | 4,406 |
Total risk-based capital ratio | 13.9298% | 4,330 |
Memoranda: | ||
Average total assets | $29,025,500 | 7,687 |
Average earning assets | $25,758,500 | 7,695 |
Average equity | $3,324,000 | 7,679 |
Average total loans | $22,577,500 | 7,210 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.4873% | 3,022 |
Cost of funding earning assets | 2.5119% | 4,142 |
Net interest margin | 3.9754% | 3,236 |
Noninterest income to average assets | 0.1564% | 7,308 |
Noninterest expense to average assets | 3.7238% | 1,907 |
Loan and lease loss provision to assets | 1.4438% | 952 |
Net operating income to assets | -1.3054% | 7,393 |
Return on assets (ROA) | -1.3475% | 7,351 |
Pretax return on assets | -1.5401% | 7,276 |
Return on Equity (ROE) | -8.2877% | 7,141 |
Retained earnings to average equity (ytd only) | -8.2877% | 6,904 |
Net charge-offs to loans | 0.0181% | 6,617 |
Credit loss provision to net charge-offs | 12,000.0000% | 51 |
Earnings coverage of net charge-offs (x) | -4.5000% | 6,820 |
Efficiency ratio | 99.1803% | 1,015 |
Assets per employee ($millions) | 3.7523% | 4,055 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5006% | 2,689 |
Loan loss allowance to noncurrent loans | 29,300.0000% | 23 |
Noncurrent assets plus other real estate owned to assets | 0.0038% | 7,640 |
Noncurrent loans to loans | 0.0051% | 7,538 |
Net loans and leases to total assets | 73.2239% | 3,305 |
Net loans and leases to deposits | 93.0479% | 2,947 |
Net loans and leases to core deposits | 111.0899% | 3,668 |
Total domestic deposits to total assets | 78.6949% | 5,484 |
Equity capital to assets | 11.7490% | 2,469 |
Core capital (leverage) ratio | 11.2366% | 2,407 |
Tier 1 risk-based capital ratio | 12.8600% | 4,185 |
Total risk-based capital ratio | 14.1528% | 4,087 |
Memoranda: | ||
Average total assets | $16,622,800 | 8,115 |
Average earning assets | $14,690,200 | 8,113 |
Average equity | $2,702,800 | 7,928 |
Average total loans | $11,071,800 | 7,888 |