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Metro Bank, Performance and Condition Ratios
2015-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0020% | 3,298 |
Cost of funding earning assets | 0.2700% | 4,583 |
Net interest margin | 3.7321% | 2,635 |
Noninterest income to average assets | 0.9679% | 1,265 |
Noninterest expense to average assets | 3.0584% | 2,357 |
Loan and lease loss provision to assets | 0.3132% | 529 |
Net operating income to assets | 0.7608% | 3,524 |
Return on assets (ROA) | 0.7706% | 3,546 |
Pretax return on assets | 1.1361% | 2,902 |
Return on Equity (ROE) | 8.6915% | 2,632 |
Retained earnings to average equity (ytd only) | 8.6915% | 731 |
Net charge-offs to loans | 0.5131% | 500 |
Credit loss provision to net charge-offs | 88.6559% | 2,780 |
Earnings coverage of net charge-offs (x) | 4.0613% | 3,615 |
Efficiency ratio | 68.0654% | 3,563 |
Assets per employee ($millions) | 3.8584% | 4,193 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1725% | 3,631 |
Loan loss allowance to noncurrent loans | 54.7839% | 4,748 |
Noncurrent assets plus other real estate owned to assets | 1.7432% | 1,095 |
Noncurrent loans to loans | 2.1403% | 949 |
Net loans and leases to total assets | 69.0675% | 2,530 |
Net loans and leases to deposits | 84.8151% | 2,266 |
Net loans and leases to core deposits | 88.6798% | 2,536 |
Total domestic deposits to total assets | 81.4330% | 4,356 |
Equity capital to assets | 9.6388% | 4,387 |
Core capital (leverage) ratio | 9.6342% | 4,000 |
Tier 1 risk-based capital ratio | 12.6834% | 4,519 |
Total risk-based capital ratio | 13.7817% | 4,509 |
Memoranda: | ||
Average total assets | $2,969,026,400 | 282 |
Average earning assets | $2,804,644,600 | 273 |
Average equity | $263,223,400 | 331 |
Average total loans | $2,044,489,400 | 279 |
2015-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0117% | 3,294 |
Cost of funding earning assets | 0.2669% | 4,693 |
Net interest margin | 3.7448% | 2,587 |
Noninterest income to average assets | 0.9515% | 1,314 |
Noninterest expense to average assets | 3.0806% | 2,271 |
Loan and lease loss provision to assets | 0.2836% | 552 |
Net operating income to assets | 0.7402% | 3,727 |
Return on assets (ROA) | 0.7528% | 3,765 |
Pretax return on assets | 1.1418% | 3,046 |
Return on Equity (ROE) | 8.6751% | 2,746 |
Retained earnings to average equity (ytd only) | 8.6751% | 1,012 |
Net charge-offs to loans | 0.2999% | 894 |
Credit loss provision to net charge-offs | 137.8637% | 1,790 |
Earnings coverage of net charge-offs (x) | 6.8356% | 2,992 |
Efficiency ratio | 68.6567% | 3,424 |
Assets per employee ($millions) | 3.5824% | 4,642 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2716% | 3,248 |
Loan loss allowance to noncurrent loans | 73.8484% | 4,312 |
Noncurrent assets plus other real estate owned to assets | 1.4196% | 1,611 |
Noncurrent loans to loans | 1.7219% | 1,395 |
Net loans and leases to total assets | 69.9994% | 2,383 |
Net loans and leases to deposits | 84.6583% | 2,321 |
Net loans and leases to core deposits | 89.1280% | 2,545 |
Total domestic deposits to total assets | 82.6846% | 3,924 |
Equity capital to assets | 9.1747% | 5,144 |
Core capital (leverage) ratio | 9.1590% | 4,794 |
Tier 1 risk-based capital ratio | 11.8203% | 5,186 |
Total risk-based capital ratio | 13.0097% | 5,153 |
Memoranda: | ||
Average total assets | $2,984,945,750 | 283 |
Average earning assets | $2,818,075,750 | 277 |
Average equity | $259,019,000 | 342 |
Average total loans | $2,047,997,000 | 281 |
2015-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9986% | 3,296 |
Cost of funding earning assets | 0.2618% | 4,811 |
Net interest margin | 3.7368% | 2,556 |
Noninterest income to average assets | 0.9615% | 1,275 |
Noninterest expense to average assets | 3.1697% | 2,064 |
Loan and lease loss provision to assets | 0.2741% | 601 |
Net operating income to assets | 0.7003% | 3,892 |
Return on assets (ROA) | 0.7189% | 3,917 |
Pretax return on assets | 1.0706% | 3,298 |
Return on Equity (ROE) | 8.4447% | 2,824 |
Retained earnings to average equity (ytd only) | 8.4447% | 1,102 |
Net charge-offs to loans | 0.3180% | 831 |
Credit loss provision to net charge-offs | 127.0530% | 1,728 |
Earnings coverage of net charge-offs (x) | 6.1035% | 2,825 |
Efficiency ratio | 70.6477% | 3,233 |
Assets per employee ($millions) | 3.6161% | 4,597 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2462% | 3,525 |
Loan loss allowance to noncurrent loans | 72.2089% | 4,426 |
Noncurrent assets plus other real estate owned to assets | 1.3930% | 1,800 |
Noncurrent loans to loans | 1.7258% | 1,490 |
Net loans and leases to total assets | 68.3084% | 2,600 |
Net loans and leases to deposits | 86.2384% | 2,029 |
Net loans and leases to core deposits | 90.9606% | 2,246 |
Total domestic deposits to total assets | 79.2088% | 5,046 |
Equity capital to assets | 8.6372% | 5,575 |
Core capital (leverage) ratio | 8.9386% | 5,044 |
Tier 1 risk-based capital ratio | 11.5219% | 5,446 |
Total risk-based capital ratio | 12.6822% | 5,429 |
Memoranda: | ||
Average total assets | $2,991,184,330 | 284 |
Average earning assets | $2,821,760,000 | 276 |
Average equity | $254,644,670 | 350 |
Average total loans | $2,029,634,670 | 282 |
2015-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0351% | 3,100 |
Cost of funding earning assets | 0.2632% | 4,869 |
Net interest margin | 3.7719% | 2,343 |
Noninterest income to average assets | 0.9458% | 1,244 |
Noninterest expense to average assets | 3.0970% | 2,285 |
Loan and lease loss provision to assets | 0.2009% | 924 |
Net operating income to assets | 0.8355% | 3,081 |
Return on assets (ROA) | 0.8329% | 3,227 |
Pretax return on assets | 1.2072% | 2,638 |
Return on Equity (ROE) | 9.8562% | 2,068 |
Retained earnings to average equity (ytd only) | 9.8562% | 964 |
Net charge-offs to loans | 0.1481% | 1,358 |
Credit loss provision to net charge-offs | 201.8843% | 1,037 |
Earnings coverage of net charge-offs (x) | 14.1857% | 1,684 |
Efficiency ratio | 68.6869% | 3,714 |
Assets per employee ($millions) | 3.6409% | 4,632 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2818% | 3,509 |
Loan loss allowance to noncurrent loans | 74.1557% | 4,327 |
Noncurrent assets plus other real estate owned to assets | 1.4344% | 1,843 |
Noncurrent loans to loans | 1.7285% | 1,582 |
Net loans and leases to total assets | 66.6835% | 2,654 |
Net loans and leases to deposits | 81.7749% | 2,366 |
Net loans and leases to core deposits | 85.8993% | 2,560 |
Total domestic deposits to total assets | 81.5452% | 4,656 |
Equity capital to assets | 8.6470% | 5,614 |
Core capital (leverage) ratio | 8.5940% | 5,427 |
Tier 1 risk-based capital ratio | 11.6599% | 5,460 |
Total risk-based capital ratio | 12.8672% | 5,402 |
Memoranda: | ||
Average total assets | $2,986,098,000 | 283 |
Average earning assets | $2,820,729,500 | 276 |
Average equity | $252,350,000 | 350 |
Average total loans | $2,006,426,500 | 280 |
2014-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9748% | 3,816 |
Cost of funding earning assets | 0.2594% | 5,227 |
Net interest margin | 3.7155% | 2,952 |
Noninterest income to average assets | 0.9550% | 1,336 |
Noninterest expense to average assets | 3.0862% | 2,571 |
Loan and lease loss provision to assets | 0.2335% | 1,036 |
Net operating income to assets | 0.7803% | 3,472 |
Return on assets (ROA) | 0.7783% | 3,570 |
Pretax return on assets | 1.1209% | 3,005 |
Return on Equity (ROE) | 9.1007% | 2,539 |
Retained earnings to average equity (ytd only) | -1.0103% | 5,920 |
Net charge-offs to loans | 0.2602% | 1,659 |
Credit loss provision to net charge-offs | 138.8318% | 1,708 |
Earnings coverage of net charge-offs (x) | 8.0703% | 2,931 |
Efficiency ratio | 69.4563% | 3,633 |
Assets per employee ($millions) | 3.4856% | 4,929 |
Cash dividends to net income (ytd only)* | 111.1012% | 260 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2477% | 3,731 |
Loan loss allowance to noncurrent loans | 70.5939% | 4,499 |
Noncurrent assets plus other real estate owned to assets | 1.4376% | 1,919 |
Noncurrent loans to loans | 1.7674% | 1,629 |
Net loans and leases to total assets | 66.0040% | 2,882 |
Net loans and leases to deposits | 82.4497% | 2,415 |
Net loans and leases to core deposits | 86.2450% | 2,659 |
Total domestic deposits to total assets | 80.0537% | 5,002 |
Equity capital to assets | 8.2561% | 5,926 |
Core capital (leverage) ratio | 8.4020% | 5,657 |
Tier 1 risk-based capital ratio | 11.4579% | 5,684 |
Total risk-based capital ratio | 12.5974% | 5,661 |
Memoranda: | ||
Average total assets | $2,891,171,600 | 277 |
Average earning assets | $2,714,422,000 | 268 |
Average equity | $247,254,400 | 336 |
Average total loans | $1,868,563,400 | 281 |
2014-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9677% | 3,894 |
Cost of funding earning assets | 0.2566% | 5,338 |
Net interest margin | 3.7111% | 2,981 |
Noninterest income to average assets | 0.9557% | 1,348 |
Noninterest expense to average assets | 3.1418% | 2,347 |
Loan and lease loss provision to assets | 0.1908% | 1,266 |
Net operating income to assets | 0.7689% | 3,571 |
Return on assets (ROA) | 0.7701% | 3,673 |
Pretax return on assets | 1.1020% | 3,179 |
Return on Equity (ROE) | 8.9244% | 2,734 |
Retained earnings to average equity (ytd only) | 5.1488% | 2,989 |
Net charge-offs to loans | 0.1940% | 1,916 |
Credit loss provision to net charge-offs | 153.5581% | 1,551 |
Earnings coverage of net charge-offs (x) | 10.3895% | 2,547 |
Efficiency ratio | 70.8736% | 3,362 |
Assets per employee ($millions) | 3.3298% | 5,187 |
Cash dividends to net income (ytd only)* | 42.3063% | 2,242 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2790% | 3,759 |
Loan loss allowance to noncurrent loans | 73.9736% | 4,365 |
Noncurrent assets plus other real estate owned to assets | 1.3626% | 2,268 |
Noncurrent loans to loans | 1.7290% | 1,877 |
Net loans and leases to total assets | 63.9885% | 3,170 |
Net loans and leases to deposits | 81.1679% | 2,526 |
Net loans and leases to core deposits | 84.8459% | 2,795 |
Total domestic deposits to total assets | 78.8347% | 5,362 |
Equity capital to assets | 8.5329% | 5,773 |
Core capital (leverage) ratio | 8.9328% | 5,151 |
Tier 1 risk-based capital ratio | 12.3835% | 5,240 |
Total risk-based capital ratio | 13.5404% | 5,227 |
Memoranda: | ||
Average total assets | $2,864,566,250 | 276 |
Average earning assets | $2,683,989,250 | 267 |
Average equity | $247,196,750 | 333 |
Average total loans | $1,834,821,750 | 279 |
2014-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9495% | 3,928 |
Cost of funding earning assets | 0.2522% | 5,462 |
Net interest margin | 3.6973% | 2,975 |
Noninterest income to average assets | 0.9543% | 1,318 |
Noninterest expense to average assets | 3.2086% | 2,167 |
Loan and lease loss provision to assets | 0.1412% | 1,749 |
Net operating income to assets | 0.7524% | 3,554 |
Return on assets (ROA) | 0.7530% | 3,650 |
Pretax return on assets | 1.0650% | 3,227 |
Return on Equity (ROE) | 8.6919% | 2,733 |
Retained earnings to average equity (ytd only) | 8.6919% | 1,077 |
Net charge-offs to loans | 0.0929% | 2,752 |
Credit loss provision to net charge-offs | 238.3790% | 1,025 |
Earnings coverage of net charge-offs (x) | 20.3492% | 1,587 |
Efficiency ratio | 72.6911% | 3,213 |
Assets per employee ($millions) | 3.1417% | 5,526 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3065% | 3,823 |
Loan loss allowance to noncurrent loans | 66.1912% | 4,628 |
Noncurrent assets plus other real estate owned to assets | 1.4185% | 2,301 |
Noncurrent loans to loans | 1.9738% | 1,715 |
Net loans and leases to total assets | 63.9178% | 3,081 |
Net loans and leases to deposits | 83.4506% | 2,092 |
Net loans and leases to core deposits | 86.5034% | 2,467 |
Total domestic deposits to total assets | 76.5936% | 5,845 |
Equity capital to assets | 8.8759% | 5,434 |
Core capital (leverage) ratio | 9.2513% | 4,665 |
Tier 1 risk-based capital ratio | 12.9194% | 4,963 |
Total risk-based capital ratio | 14.1100% | 4,938 |
Memoranda: | ||
Average total assets | $2,832,698,330 | 278 |
Average earning assets | $2,650,712,000 | 268 |
Average equity | $245,399,670 | 332 |
Average total loans | $1,806,859,670 | 282 |
2014-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9182% | 4,013 |
Cost of funding earning assets | 0.2528% | 5,551 |
Net interest margin | 3.6654% | 3,002 |
Noninterest income to average assets | 0.9392% | 1,284 |
Noninterest expense to average assets | 3.2175% | 2,171 |
Loan and lease loss provision to assets | 0.1279% | 1,900 |
Net operating income to assets | 0.7469% | 3,439 |
Return on assets (ROA) | 0.7480% | 3,510 |
Pretax return on assets | 1.0264% | 3,224 |
Return on Equity (ROE) | 8.7441% | 2,575 |
Retained earnings to average equity (ytd only) | 8.7441% | 1,329 |
Net charge-offs to loans | 0.0171% | 3,245 |
Credit loss provision to net charge-offs | 1,184.2105% | 276 |
Earnings coverage of net charge-offs (x) | 106.7368% | 433 |
Efficiency ratio | 73.6229% | 3,212 |
Assets per employee ($millions) | 3.1038% | 5,679 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3254% | 3,977 |
Loan loss allowance to noncurrent loans | 58.5570% | 4,900 |
Noncurrent assets plus other real estate owned to assets | 1.5745% | 2,241 |
Noncurrent loans to loans | 2.2634% | 1,595 |
Net loans and leases to total assets | 62.5365% | 3,149 |
Net loans and leases to deposits | 80.7911% | 2,191 |
Net loans and leases to core deposits | 83.7621% | 2,543 |
Total domestic deposits to total assets | 77.4052% | 5,914 |
Equity capital to assets | 8.6433% | 5,503 |
Core capital (leverage) ratio | 9.1473% | 4,802 |
Tier 1 risk-based capital ratio | 12.9199% | 5,044 |
Total risk-based capital ratio | 14.1218% | 5,020 |
Memoranda: | ||
Average total assets | $2,814,843,000 | 276 |
Average earning assets | $2,634,880,000 | 267 |
Average equity | $240,801,000 | 336 |
Average total loans | $1,781,441,500 | 282 |
2013-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0318% | 3,971 |
Cost of funding earning assets | 0.2771% | 5,785 |
Net interest margin | 3.7547% | 2,827 |
Noninterest income to average assets | 1.0116% | 1,370 |
Noninterest expense to average assets | 3.3147% | 2,105 |
Loan and lease loss provision to assets | 0.2557% | 1,409 |
Net operating income to assets | 0.6665% | 3,953 |
Return on assets (ROA) | 0.6838% | 3,974 |
Pretax return on assets | 0.9781% | 3,438 |
Return on Equity (ROE) | 7.7613% | 3,166 |
Retained earnings to average equity (ytd only) | 7.7613% | 1,134 |
Net charge-offs to loans | 0.5496% | 1,203 |
Credit loss provision to net charge-offs | 75.9920% | 3,139 |
Earnings coverage of net charge-offs (x) | 3.5932% | 3,816 |
Efficiency ratio | 73.2730% | 3,247 |
Assets per employee ($millions) | 3.0689% | 5,729 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3152% | 4,063 |
Loan loss allowance to noncurrent loans | 57.2994% | 4,963 |
Noncurrent assets plus other real estate owned to assets | 1.6116% | 2,301 |
Noncurrent loans to loans | 2.2954% | 1,684 |
Net loans and leases to total assets | 62.3650% | 3,311 |
Net loans and leases to deposits | 77.0649% | 2,846 |
Net loans and leases to core deposits | 79.6915% | 3,164 |
Total domestic deposits to total assets | 80.9253% | 5,203 |
Equity capital to assets | 8.4639% | 5,624 |
Core capital (leverage) ratio | 9.0389% | 4,941 |
Tier 1 risk-based capital ratio | 12.9067% | 5,044 |
Total risk-based capital ratio | 14.0911% | 5,032 |
Memoranda: | ||
Average total assets | $2,688,716,000 | 279 |
Average earning assets | $2,515,007,400 | 273 |
Average equity | $236,892,400 | 333 |
Average total loans | $1,646,173,800 | 292 |
2013-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0370% | 3,991 |
Cost of funding earning assets | 0.2783% | 5,899 |
Net interest margin | 3.7587% | 2,808 |
Noninterest income to average assets | 1.0253% | 1,386 |
Noninterest expense to average assets | 3.3238% | 2,021 |
Loan and lease loss provision to assets | 0.2651% | 1,337 |
Net operating income to assets | 0.6647% | 4,043 |
Return on assets (ROA) | 0.6655% | 4,174 |
Pretax return on assets | 0.9514% | 3,685 |
Return on Equity (ROE) | 7.4761% | 3,392 |
Retained earnings to average equity (ytd only) | 7.4761% | 1,653 |
Net charge-offs to loans | 0.2601% | 2,258 |
Credit loss provision to net charge-offs | 167.8809% | 1,419 |
Earnings coverage of net charge-offs (x) | 7.6975% | 2,753 |
Efficiency ratio | 73.2244% | 3,185 |
Assets per employee ($millions) | 3.0046% | 5,840 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6060% | 2,977 |
Loan loss allowance to noncurrent loans | 63.0547% | 4,693 |
Noncurrent assets plus other real estate owned to assets | 1.7077% | 2,403 |
Noncurrent loans to loans | 2.5470% | 1,690 |
Net loans and leases to total assets | 60.9848% | 3,523 |
Net loans and leases to deposits | 76.7988% | 2,844 |
Net loans and leases to core deposits | 79.4243% | 3,187 |
Total domestic deposits to total assets | 79.4085% | 5,649 |
Equity capital to assets | 8.5607% | 5,671 |
Core capital (leverage) ratio | 9.0536% | 5,043 |
Tier 1 risk-based capital ratio | 13.0097% | 5,114 |
Total risk-based capital ratio | 14.2622% | 5,067 |
Memoranda: | ||
Average total assets | $2,665,798,500 | 282 |
Average earning assets | $2,492,207,500 | 274 |
Average equity | $237,283,250 | 331 |
Average total loans | $1,618,443,000 | 293 |
2013-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0609% | 3,874 |
Cost of funding earning assets | 0.2847% | 5,948 |
Net interest margin | 3.7762% | 2,651 |
Noninterest income to average assets | 1.0292% | 1,441 |
Noninterest expense to average assets | 3.3527% | 1,927 |
Loan and lease loss provision to assets | 0.3111% | 1,142 |
Net operating income to assets | 0.6320% | 4,147 |
Return on assets (ROA) | 0.6331% | 4,291 |
Pretax return on assets | 0.8986% | 3,916 |
Return on Equity (ROE) | 7.0190% | 3,587 |
Retained earnings to average equity (ytd only) | 7.0190% | 1,887 |
Net charge-offs to loans | 0.1692% | 2,765 |
Credit loss provision to net charge-offs | 305.0595% | 846 |
Earnings coverage of net charge-offs (x) | 11.8467% | 2,027 |
Efficiency ratio | 73.5119% | 3,223 |
Assets per employee ($millions) | 2.9895% | 5,867 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7086% | 2,748 |
Loan loss allowance to noncurrent loans | 64.4152% | 4,610 |
Noncurrent assets plus other real estate owned to assets | 1.8113% | 2,396 |
Noncurrent loans to loans | 2.6524% | 1,725 |
Net loans and leases to total assets | 60.6914% | 3,539 |
Net loans and leases to deposits | 73.9871% | 3,158 |
Net loans and leases to core deposits | 76.5993% | 3,472 |
Total domestic deposits to total assets | 82.0298% | 5,053 |
Equity capital to assets | 8.7703% | 5,475 |
Core capital (leverage) ratio | 8.9850% | 5,017 |
Tier 1 risk-based capital ratio | 13.0763% | 5,087 |
Total risk-based capital ratio | 14.3297% | 5,029 |
Memoranda: | ||
Average total assets | $2,635,993,000 | 283 |
Average earning assets | $2,465,163,000 | 276 |
Average equity | $237,755,330 | 330 |
Average total loans | $1,588,695,000 | 297 |
2013-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0577% | 3,897 |
Cost of funding earning assets | 0.2934% | 6,018 |
Net interest margin | 3.7643% | 2,593 |
Noninterest income to average assets | 1.0445% | 1,358 |
Noninterest expense to average assets | 3.3563% | 1,940 |
Loan and lease loss provision to assets | 0.3505% | 928 |
Net operating income to assets | 0.6131% | 4,154 |
Return on assets (ROA) | 0.6163% | 4,294 |
Pretax return on assets | 0.8665% | 3,890 |
Return on Equity (ROE) | 6.7392% | 3,633 |
Retained earnings to average equity (ytd only) | 6.7392% | 2,292 |
Net charge-offs to loans | 0.0282% | 3,635 |
Credit loss provision to net charge-offs | 2,090.9091% | 165 |
Earnings coverage of net charge-offs (x) | 72.3364% | 506 |
Efficiency ratio | 73.4625% | 3,359 |
Assets per employee ($millions) | 2.9746% | 6,035 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7375% | 2,849 |
Loan loss allowance to noncurrent loans | 66.9787% | 4,448 |
Noncurrent assets plus other real estate owned to assets | 1.6710% | 2,779 |
Noncurrent loans to loans | 2.5942% | 1,991 |
Net loans and leases to total assets | 59.4179% | 3,533 |
Net loans and leases to deposits | 70.3224% | 3,423 |
Net loans and leases to core deposits | 72.3619% | 3,776 |
Total domestic deposits to total assets | 84.4935% | 4,270 |
Equity capital to assets | 9.2122% | 5,236 |
Core capital (leverage) ratio | 8.9977% | 4,895 |
Tier 1 risk-based capital ratio | 13.3418% | 4,983 |
Total risk-based capital ratio | 14.5956% | 4,927 |
Memoranda: | ||
Average total assets | $2,625,146,500 | 286 |
Average earning assets | $2,457,728,000 | 278 |
Average equity | $240,089,000 | 331 |
Average total loans | $1,562,529,500 | 302 |
2012-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2605% | 4,361 |
Cost of funding earning assets | 0.3498% | 6,215 |
Net interest margin | 3.9106% | 2,784 |
Noninterest income to average assets | 1.0832% | 1,322 |
Noninterest expense to average assets | 3.5733% | 1,672 |
Loan and lease loss provision to assets | 0.4038% | 1,609 |
Net operating income to assets | 0.5152% | 4,619 |
Return on assets (ROA) | 0.5262% | 4,843 |
Pretax return on assets | 0.7693% | 4,411 |
Return on Equity (ROE) | 5.6958% | 4,312 |
Retained earnings to average equity (ytd only) | 5.6958% | 2,259 |
Net charge-offs to loans | 0.4293% | 2,519 |
Credit loss provision to net charge-offs | 156.8810% | 1,719 |
Earnings coverage of net charge-offs (x) | 4.4953% | 3,348 |
Efficiency ratio | 75.5399% | 2,822 |
Assets per employee ($millions) | 3.0155% | 5,988 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6375% | 3,154 |
Loan loss allowance to noncurrent loans | 77.4666% | 3,994 |
Noncurrent assets plus other real estate owned to assets | 1.3319% | 3,414 |
Noncurrent loans to loans | 2.1138% | 2,564 |
Net loans and leases to total assets | 57.6229% | 4,040 |
Net loans and leases to deposits | 67.6603% | 4,033 |
Net loans and leases to core deposits | 69.6664% | 4,361 |
Total domestic deposits to total assets | 85.1650% | 3,779 |
Equity capital to assets | 9.0798% | 5,428 |
Core capital (leverage) ratio | 9.1755% | 4,621 |
Tier 1 risk-based capital ratio | 13.3409% | 4,869 |
Total risk-based capital ratio | 14.5934% | 4,819 |
Memoranda: | ||
Average total assets | $2,501,257,800 | 291 |
Average earning assets | $2,332,735,200 | 279 |
Average equity | $231,066,200 | 332 |
Average total loans | $1,499,825,200 | 309 |
2012-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3305% | 4,329 |
Cost of funding earning assets | 0.3644% | 6,305 |
Net interest margin | 3.9661% | 2,645 |
Noninterest income to average assets | 1.0824% | 1,284 |
Noninterest expense to average assets | 3.6304% | 1,498 |
Loan and lease loss provision to assets | 0.4295% | 1,478 |
Net operating income to assets | 0.4904% | 4,880 |
Return on assets (ROA) | 0.5018% | 5,100 |
Pretax return on assets | 0.7352% | 4,723 |
Return on Equity (ROE) | 5.4076% | 4,640 |
Retained earnings to average equity (ytd only) | 5.4076% | 3,093 |
Net charge-offs to loans | 0.3559% | 2,677 |
Credit loss provision to net charge-offs | 200.0503% | 1,376 |
Earnings coverage of net charge-offs (x) | 5.3468% | 3,047 |
Efficiency ratio | 75.9747% | 2,686 |
Assets per employee ($millions) | 2.8349% | 6,315 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6908% | 3,183 |
Loan loss allowance to noncurrent loans | 67.5053% | 4,316 |
Noncurrent assets plus other real estate owned to assets | 1.6675% | 3,080 |
Noncurrent loans to loans | 2.5047% | 2,289 |
Net loans and leases to total assets | 58.6557% | 4,016 |
Net loans and leases to deposits | 65.7335% | 4,500 |
Net loans and leases to core deposits | 67.7778% | 4,748 |
Total domestic deposits to total assets | 89.2326% | 1,293 |
Equity capital to assets | 9.2734% | 5,504 |
Core capital (leverage) ratio | 9.3795% | 4,461 |
Tier 1 risk-based capital ratio | 13.3666% | 4,975 |
Total risk-based capital ratio | 14.6197% | 4,931 |
Memoranda: | ||
Average total assets | $2,467,677,250 | 292 |
Average earning assets | $2,299,674,500 | 282 |
Average equity | $229,006,500 | 332 |
Average total loans | $1,488,786,500 | 312 |
2012-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3871% | 4,233 |
Cost of funding earning assets | 0.3812% | 6,371 |
Net interest margin | 4.0059% | 2,479 |
Noninterest income to average assets | 1.0862% | 1,212 |
Noninterest expense to average assets | 3.6193% | 1,540 |
Loan and lease loss provision to assets | 0.4459% | 1,447 |
Net operating income to assets | 0.5373% | 4,640 |
Return on assets (ROA) | 0.5577% | 4,831 |
Pretax return on assets | 0.7780% | 4,551 |
Return on Equity (ROE) | 6.0085% | 4,327 |
Retained earnings to average equity (ytd only) | 6.0085% | 2,712 |
Net charge-offs to loans | 0.1232% | 3,941 |
Credit loss provision to net charge-offs | 597.5877% | 530 |
Earnings coverage of net charge-offs (x) | 16.0219% | 1,616 |
Efficiency ratio | 75.1704% | 2,868 |
Assets per employee ($millions) | 2.8078% | 6,391 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7358% | 3,087 |
Loan loss allowance to noncurrent loans | 73.4940% | 4,053 |
Noncurrent assets plus other real estate owned to assets | 1.6184% | 3,297 |
Noncurrent loans to loans | 2.3619% | 2,543 |
Net loans and leases to total assets | 60.4790% | 3,741 |
Net loans and leases to deposits | 70.3069% | 3,851 |
Net loans and leases to core deposits | 72.6779% | 4,216 |
Total domestic deposits to total assets | 86.0214% | 3,347 |
Equity capital to assets | 9.4375% | 5,145 |
Core capital (leverage) ratio | 9.2124% | 4,591 |
Tier 1 risk-based capital ratio | 13.1773% | 5,056 |
Total risk-based capital ratio | 14.4308% | 5,029 |
Memoranda: | ||
Average total assets | $2,444,484,670 | 293 |
Average earning assets | $2,275,311,670 | 285 |
Average equity | $226,912,000 | 333 |
Average total loans | $1,480,435,000 | 310 |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3431% | 4,547 |
Cost of funding earning assets | 0.3870% | 6,476 |
Net interest margin | 3.9561% | 2,685 |
Noninterest income to average assets | 1.0879% | 1,218 |
Noninterest expense to average assets | 3.7029% | 1,369 |
Loan and lease loss provision to assets | 0.4094% | 1,540 |
Net operating income to assets | 0.4774% | 4,917 |
Return on assets (ROA) | 0.5175% | 4,959 |
Pretax return on assets | 0.7119% | 4,752 |
Return on Equity (ROE) | 5.6220% | 4,487 |
Retained earnings to average equity (ytd only) | 5.6220% | 3,186 |
Net charge-offs to loans | 0.0984% | 3,548 |
Credit loss provision to net charge-offs | 692.5208% | 509 |
Earnings coverage of net charge-offs (x) | 18.0388% | 1,281 |
Efficiency ratio | 77.6397% | 2,548 |
Assets per employee ($millions) | 2.7444% | 6,581 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5963% | 3,731 |
Loan loss allowance to noncurrent loans | 73.1541% | 3,915 |
Noncurrent assets plus other real estate owned to assets | 1.5085% | 3,594 |
Noncurrent loans to loans | 2.1822% | 2,935 |
Net loans and leases to total assets | 59.3617% | 3,799 |
Net loans and leases to deposits | 69.5423% | 3,798 |
Net loans and leases to core deposits | 71.6668% | 4,201 |
Total domestic deposits to total assets | 85.3606% | 3,852 |
Equity capital to assets | 9.2447% | 5,170 |
Core capital (leverage) ratio | 9.2911% | 4,380 |
Tier 1 risk-based capital ratio | 12.8136% | 5,350 |
Total risk-based capital ratio | 14.0652% | 5,328 |
Memoranda: | ||
Average total assets | $2,442,520,500 | 292 |
Average earning assets | $2,272,940,000 | 283 |
Average equity | $224,833,000 | 328 |
Average total loans | $1,467,185,500 | 309 |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5833% | 4,743 |
Cost of funding earning assets | 0.5573% | 6,301 |
Net interest margin | 4.0260% | 2,755 |
Noninterest income to average assets | 1.2135% | 899 |
Noninterest expense to average assets | 3.8899% | 1,197 |
Loan and lease loss provision to assets | 0.8743% | 1,110 |
Net operating income to assets | 0.1474% | 5,743 |
Return on assets (ROA) | 0.1484% | 5,878 |
Pretax return on assets | 0.1572% | 5,872 |
Return on Equity (ROE) | 1.6308% | 5,798 |
Retained earnings to average equity (ytd only) | 1.6308% | 5,045 |
Net charge-offs to loans | 1.4251% | 1,144 |
Credit loss provision to net charge-offs | 100.0097% | 3,500 |
Earnings coverage of net charge-offs (x) | 1.1787% | 4,906 |
Efficiency ratio | 79.0575% | 2,438 |
Assets per employee ($millions) | 2.6924% | 6,618 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4951% | 4,050 |
Loan loss allowance to noncurrent loans | 62.0890% | 4,403 |
Noncurrent assets plus other real estate owned to assets | 1.6411% | 3,495 |
Noncurrent loans to loans | 2.4080% | 2,718 |
Net loans and leases to total assets | 58.9129% | 4,210 |
Net loans and leases to deposits | 68.1123% | 4,431 |
Net loans and leases to core deposits | 69.9500% | 4,782 |
Total domestic deposits to total assets | 86.4937% | 3,033 |
Equity capital to assets | 9.1644% | 5,336 |
Core capital (leverage) ratio | 9.0975% | 4,622 |
Tier 1 risk-based capital ratio | 12.8704% | 5,180 |
Total risk-based capital ratio | 14.1208% | 5,153 |
Memoranda: | ||
Average total assets | $2,355,212,000 | 298 |
Average earning assets | $2,168,491,400 | 289 |
Average equity | $214,316,800 | 326 |
Average total loans | $1,444,817,000 | 311 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6019% | 4,856 |
Cost of funding earning assets | 0.5816% | 6,370 |
Net interest margin | 4.0203% | 2,832 |
Noninterest income to average assets | 1.2484% | 831 |
Noninterest expense to average assets | 3.9793% | 1,030 |
Loan and lease loss provision to assets | 0.9826% | 884 |
Net operating income to assets | 0.0321% | 6,108 |
Return on assets (ROA) | 0.0333% | 6,201 |
Pretax return on assets | -0.0180% | 6,250 |
Return on Equity (ROE) | 0.3670% | 6,188 |
Retained earnings to average equity (ytd only) | 0.3670% | 5,844 |
Net charge-offs to loans | 1.4356% | 1,024 |
Credit loss provision to net charge-offs | 110.8596% | 2,967 |
Earnings coverage of net charge-offs (x) | 1.0861% | 4,815 |
Efficiency ratio | 80.5205% | 2,182 |
Assets per employee ($millions) | 2.6834% | 6,670 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6036% | 3,649 |
Loan loss allowance to noncurrent loans | 61.2263% | 4,404 |
Noncurrent assets plus other real estate owned to assets | 1.7803% | 3,428 |
Noncurrent loans to loans | 2.6192% | 2,651 |
Net loans and leases to total assets | 58.8236% | 4,351 |
Net loans and leases to deposits | 68.6083% | 4,505 |
Net loans and leases to core deposits | 71.2806% | 4,808 |
Total domestic deposits to total assets | 85.7382% | 3,357 |
Equity capital to assets | 9.0644% | 5,670 |
Core capital (leverage) ratio | 9.0309% | 4,881 |
Tier 1 risk-based capital ratio | 12.5553% | 5,449 |
Total risk-based capital ratio | 13.8068% | 5,437 |
Memoranda: | ||
Average total assets | $2,339,560,000 | 301 |
Average earning assets | $2,149,457,000 | 291 |
Average equity | $212,501,500 | 333 |
Average total loans | $1,444,514,500 | 311 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6658% | 4,680 |
Cost of funding earning assets | 0.6050% | 6,432 |
Net interest margin | 4.0608% | 2,567 |
Noninterest income to average assets | 1.3082% | 736 |
Noninterest expense to average assets | 4.1068% | 907 |
Loan and lease loss provision to assets | 0.3025% | 2,991 |
Net operating income to assets | 0.4544% | 4,697 |
Return on assets (ROA) | 0.4562% | 4,825 |
Pretax return on assets | 0.6208% | 4,671 |
Return on Equity (ROE) | 5.0191% | 4,441 |
Retained earnings to average equity (ytd only) | 5.0191% | 2,997 |
Net charge-offs to loans | 0.4699% | 2,700 |
Credit loss provision to net charge-offs | 103.1001% | 3,000 |
Earnings coverage of net charge-offs (x) | 3.1388% | 3,288 |
Efficiency ratio | 81.6849% | 2,144 |
Assets per employee ($millions) | 2.6532% | 6,713 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4823% | 4,212 |
Loan loss allowance to noncurrent loans | 47.7544% | 5,148 |
Noncurrent assets plus other real estate owned to assets | 2.1246% | 3,078 |
Noncurrent loans to loans | 3.1039% | 2,322 |
Net loans and leases to total assets | 60.5978% | 4,169 |
Net loans and leases to deposits | 75.3203% | 3,591 |
Net loans and leases to core deposits | 77.8793% | 4,065 |
Total domestic deposits to total assets | 80.4536% | 5,689 |
Equity capital to assets | 9.1126% | 5,413 |
Core capital (leverage) ratio | 9.2938% | 4,259 |
Tier 1 risk-based capital ratio | 12.6040% | 5,252 |
Total risk-based capital ratio | 13.8541% | 5,222 |
Memoranda: | ||
Average total assets | $2,309,023,330 | 311 |
Average earning assets | $2,114,957,330 | 299 |
Average equity | $209,878,330 | 340 |
Average total loans | $1,441,550,000 | 317 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6468% | 4,751 |
Cost of funding earning assets | 0.6163% | 6,539 |
Net interest margin | 4.0305% | 2,562 |
Noninterest income to average assets | 1.3309% | 727 |
Noninterest expense to average assets | 4.0841% | 942 |
Loan and lease loss provision to assets | 0.3155% | 2,651 |
Net operating income to assets | 0.4707% | 4,616 |
Return on assets (ROA) | 0.4751% | 4,676 |
Pretax return on assets | 0.6411% | 4,531 |
Return on Equity (ROE) | 5.2342% | 4,273 |
Retained earnings to average equity (ytd only) | 5.2342% | 3,040 |
Net charge-offs to loans | 0.4365% | 2,390 |
Credit loss provision to net charge-offs | 114.8718% | 2,348 |
Earnings coverage of net charge-offs (x) | 3.4615% | 2,735 |
Efficiency ratio | 81.1189% | 2,352 |
Assets per employee ($millions) | 2.5389% | 6,934 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4952% | 4,238 |
Loan loss allowance to noncurrent loans | 42.0168% | 5,495 |
Noncurrent assets plus other real estate owned to assets | 2.3770% | 2,869 |
Noncurrent loans to loans | 3.5587% | 2,089 |
Net loans and leases to total assets | 62.1671% | 3,818 |
Net loans and leases to deposits | 75.3519% | 3,527 |
Net loans and leases to core deposits | 77.7038% | 4,061 |
Total domestic deposits to total assets | 82.5024% | 5,108 |
Equity capital to assets | 9.0217% | 5,173 |
Core capital (leverage) ratio | 9.3566% | 4,040 |
Tier 1 risk-based capital ratio | 12.6487% | 5,115 |
Total risk-based capital ratio | 13.8993% | 5,093 |
Memoranda: | ||
Average total assets | $2,272,228,500 | 315 |
Average earning assets | $2,088,062,500 | 307 |
Average equity | $206,259,000 | 342 |
Average total loans | $1,429,557,500 | 319 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9364% | 4,851 |
Cost of funding earning assets | 0.7384% | 6,768 |
Net interest margin | 4.1980% | 2,196 |
Noninterest income to average assets | 1.2610% | 931 |
Noninterest expense to average assets | 4.4512% | 684 |
Loan and lease loss provision to assets | 0.9583% | 1,697 |
Net operating income to assets | -0.1411% | 6,036 |
Return on assets (ROA) | -0.0874% | 6,038 |
Pretax return on assets | -0.2374% | 6,112 |
Return on Equity (ROE) | -0.9455% | 6,061 |
Retained earnings to average equity (ytd only) | -0.9455% | 5,796 |
Net charge-offs to loans | 0.9626% | 2,251 |
Credit loss provision to net charge-offs | 152.4722% | 2,349 |
Earnings coverage of net charge-offs (x) | 1.0134% | 5,098 |
Efficiency ratio | 87.4815% | 1,521 |
Assets per employee ($millions) | 2.4387% | 7,090 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5466% | 3,788 |
Loan loss allowance to noncurrent loans | 40.9145% | 5,575 |
Noncurrent assets plus other real estate owned to assets | 2.4945% | 2,775 |
Noncurrent loans to loans | 3.7800% | 1,959 |
Net loans and leases to total assets | 61.7404% | 4,336 |
Net loans and leases to deposits | 74.0509% | 4,182 |
Net loans and leases to core deposits | 76.9841% | 4,591 |
Total domestic deposits to total assets | 83.3757% | 4,651 |
Equity capital to assets | 9.1352% | 4,938 |
Core capital (leverage) ratio | 9.3763% | 3,887 |
Tier 1 risk-based capital ratio | 12.8134% | 4,764 |
Total risk-based capital ratio | 14.0643% | 4,730 |
Memoranda: | ||
Average total assets | $2,191,365,400 | 324 |
Average earning assets | $1,997,740,200 | 317 |
Average equity | $202,531,400 | 349 |
Average total loans | $1,430,815,000 | 327 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9433% | 5,063 |
Cost of funding earning assets | 0.7619% | 6,875 |
Net interest margin | 4.1814% | 2,286 |
Noninterest income to average assets | 1.2034% | 961 |
Noninterest expense to average assets | 4.3697% | 686 |
Loan and lease loss provision to assets | 1.1243% | 1,291 |
Net operating income to assets | -0.2415% | 6,372 |
Return on assets (ROA) | -0.2386% | 6,419 |
Pretax return on assets | -0.4793% | 6,534 |
Return on Equity (ROE) | -2.5742% | 6,456 |
Retained earnings to average equity (ytd only) | -2.5742% | 6,296 |
Net charge-offs to loans | 1.0768% | 1,880 |
Credit loss provision to net charge-offs | 158.3204% | 2,411 |
Earnings coverage of net charge-offs (x) | 0.9019% | 5,153 |
Efficiency ratio | 87.2158% | 1,513 |
Assets per employee ($millions) | 2.4122% | 7,186 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4963% | 3,984 |
Loan loss allowance to noncurrent loans | 37.6840% | 5,824 |
Noncurrent assets plus other real estate owned to assets | 2.6433% | 2,742 |
Noncurrent loans to loans | 3.9706% | 1,896 |
Net loans and leases to total assets | 62.5939% | 4,410 |
Net loans and leases to deposits | 71.2717% | 4,954 |
Net loans and leases to core deposits | 73.2509% | 5,382 |
Total domestic deposits to total assets | 87.8243% | 2,076 |
Equity capital to assets | 9.3205% | 5,104 |
Core capital (leverage) ratio | 9.4022% | 4,052 |
Tier 1 risk-based capital ratio | 12.2450% | 5,226 |
Total risk-based capital ratio | 13.4950% | 5,192 |
Memoranda: | ||
Average total assets | $2,181,957,500 | 324 |
Average earning assets | $1,986,470,500 | 317 |
Average equity | $202,258,500 | 345 |
Average total loans | $1,439,066,250 | 329 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9770% | 5,042 |
Cost of funding earning assets | 0.7865% | 6,960 |
Net interest margin | 4.1905% | 2,183 |
Noninterest income to average assets | 1.1586% | 961 |
Noninterest expense to average assets | 4.3962% | 649 |
Loan and lease loss provision to assets | 0.4614% | 3,011 |
Net operating income to assets | 0.1552% | 5,703 |
Return on assets (ROA) | 0.1556% | 5,823 |
Pretax return on assets | 0.1131% | 5,951 |
Return on Equity (ROE) | 1.6817% | 5,739 |
Retained earnings to average equity (ytd only) | 1.6817% | 5,034 |
Net charge-offs to loans | 0.4440% | 3,205 |
Credit loss provision to net charge-offs | 155.6178% | 2,531 |
Earnings coverage of net charge-offs (x) | 1.9365% | 4,066 |
Efficiency ratio | 88.4474% | 1,464 |
Assets per employee ($millions) | 2.4067% | 7,219 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1041% | 5,918 |
Loan loss allowance to noncurrent loans | 25.6582% | 6,632 |
Noncurrent assets plus other real estate owned to assets | 3.0264% | 2,355 |
Noncurrent loans to loans | 4.3033% | 1,723 |
Net loans and leases to total assets | 66.1614% | 3,794 |
Net loans and leases to deposits | 77.8650% | 3,998 |
Net loans and leases to core deposits | 80.5384% | 4,626 |
Total domestic deposits to total assets | 84.9694% | 3,644 |
Equity capital to assets | 9.4043% | 4,858 |
Core capital (leverage) ratio | 9.6063% | 3,670 |
Tier 1 risk-based capital ratio | 12.0262% | 5,286 |
Total risk-based capital ratio | 12.9522% | 5,544 |
Memoranda: | ||
Average total assets | $2,167,133,330 | 321 |
Average earning assets | $1,971,303,000 | 317 |
Average equity | $200,506,330 | 347 |
Average total loans | $1,447,162,000 | 329 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9717% | 5,153 |
Cost of funding earning assets | 0.8185% | 7,031 |
Net interest margin | 4.1532% | 2,210 |
Noninterest income to average assets | 1.1069% | 1,030 |
Noninterest expense to average assets | 4.3302% | 700 |
Loan and lease loss provision to assets | 0.4453% | 2,738 |
Net operating income to assets | 0.1945% | 5,709 |
Return on assets (ROA) | 0.1405% | 6,014 |
Pretax return on assets | 0.0447% | 6,269 |
Return on Equity (ROE) | 1.5310% | 5,949 |
Retained earnings to average equity (ytd only) | 1.5310% | 5,177 |
Net charge-offs to loans | 0.4486% | 2,707 |
Credit loss provision to net charge-offs | 148.7911% | 2,399 |
Earnings coverage of net charge-offs (x) | 1.8177% | 3,641 |
Efficiency ratio | 88.8381% | 1,516 |
Assets per employee ($millions) | 2.3280% | 7,426 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0690% | 6,151 |
Loan loss allowance to noncurrent loans | 32.7826% | 6,225 |
Noncurrent assets plus other real estate owned to assets | 2.2778% | 3,176 |
Noncurrent loans to loans | 3.2610% | 2,448 |
Net loans and leases to total assets | 64.8756% | 4,123 |
Net loans and leases to deposits | 74.9066% | 4,605 |
Net loans and leases to core deposits | 76.6165% | 5,175 |
Total domestic deposits to total assets | 86.6086% | 2,839 |
Equity capital to assets | 9.2265% | 4,955 |
Core capital (leverage) ratio | 9.6304% | 3,597 |
Tier 1 risk-based capital ratio | 12.1549% | 5,032 |
Total risk-based capital ratio | 13.0415% | 5,347 |
Memoranda: | ||
Average total assets | $2,155,629,000 | 329 |
Average earning assets | $1,955,389,000 | 324 |
Average equity | $197,776,000 | 353 |
Average total loans | $1,438,139,500 | 344 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1544% | 5,856 |
Cost of funding earning assets | 1.0478% | 7,107 |
Net interest margin | 4.1066% | 2,418 |
Noninterest income to average assets | 1.4016% | 747 |
Noninterest expense to average assets | 4.5064% | 797 |
Loan and lease loss provision to assets | 0.5881% | 3,442 |
Net operating income to assets | 0.0754% | 5,277 |
Return on assets (ROA) | 0.0391% | 5,419 |
Pretax return on assets | 0.0055% | 5,434 |
Return on Equity (ROE) | 0.4990% | 5,390 |
Retained earnings to average equity (ytd only) | -1.2055% | 5,311 |
Net charge-offs to loans | 0.9955% | 2,420 |
Credit loss provision to net charge-offs | 84.2202% | 6,181 |
Earnings coverage of net charge-offs (x) | 0.9023% | 5,210 |
Efficiency ratio | 87.7336% | 1,909 |
Assets per employee ($millions) | 2.2080% | 7,563 |
Cash dividends to net income (ytd only)* | 341.5758% | 86 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9881% | 6,456 |
Loan loss allowance to noncurrent loans | 38.1239% | 5,887 |
Noncurrent assets plus other real estate owned to assets | 1.9135% | 3,509 |
Noncurrent loans to loans | 2.5917% | 2,967 |
Net loans and leases to total assets | 67.1939% | 3,880 |
Net loans and leases to deposits | 78.0505% | 4,361 |
Net loans and leases to core deposits | 83.1406% | 5,807 |
Total domestic deposits to total assets | 86.0904% | 2,972 |
Equity capital to assets | 9.1228% | 4,947 |
Core capital (leverage) ratio | 9.8171% | 3,306 |
Tier 1 risk-based capital ratio | 12.0146% | 4,934 |
Total risk-based capital ratio | 12.8513% | 5,249 |
Memoranda: | ||
Average total assets | $2,112,671,800 | 335 |
Average earning assets | $1,921,387,200 | 332 |
Average equity | $165,331,600 | 419 |
Average total loans | $1,482,040,000 | 340 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2244% | 5,780 |
Cost of funding earning assets | 1.0834% | 7,211 |
Net interest margin | 4.1411% | 2,245 |
Noninterest income to average assets | 1.4370% | 722 |
Noninterest expense to average assets | 4.4289% | 805 |
Loan and lease loss provision to assets | 0.6732% | 2,720 |
Net operating income to assets | 0.1164% | 5,419 |
Return on assets (ROA) | 0.0686% | 5,602 |
Pretax return on assets | 0.0530% | 5,610 |
Return on Equity (ROE) | 0.9147% | 5,523 |
Retained earnings to average equity (ytd only) | -1.4676% | 5,600 |
Net charge-offs to loans | 1.1400% | 1,767 |
Credit loss provision to net charge-offs | 83.4905% | 5,663 |
Earnings coverage of net charge-offs (x) | 0.9599% | 5,100 |
Efficiency ratio | 85.1233% | 2,167 |
Assets per employee ($millions) | 2.0520% | 7,758 |
Cash dividends to net income (ytd only)* | 260.4438% | 135 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9847% | 6,383 |
Loan loss allowance to noncurrent loans | 58.2483% | 4,471 |
Noncurrent assets plus other real estate owned to assets | 1.5335% | 4,066 |
Noncurrent loans to loans | 1.6905% | 4,105 |
Net loans and leases to total assets | 70.5066% | 3,390 |
Net loans and leases to deposits | 84.5251% | 3,564 |
Net loans and leases to core deposits | 89.9914% | 5,433 |
Total domestic deposits to total assets | 83.4150% | 4,011 |
Equity capital to assets | 9.4928% | 4,753 |
Core capital (leverage) ratio | 9.8776% | 3,425 |
Tier 1 risk-based capital ratio | 11.6091% | 5,327 |
Total risk-based capital ratio | 12.4321% | 5,723 |
Memoranda: | ||
Average total assets | $2,104,294,250 | 347 |
Average earning assets | $1,913,633,000 | 343 |
Average equity | $157,716,500 | 447 |
Average total loans | $1,488,426,250 | 353 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2406% | 5,913 |
Cost of funding earning assets | 1.0964% | 7,383 |
Net interest margin | 4.1441% | 2,180 |
Noninterest income to average assets | 1.3066% | 898 |
Noninterest expense to average assets | 4.2471% | 1,014 |
Loan and lease loss provision to assets | 0.6538% | 2,470 |
Net operating income to assets | 0.2059% | 5,243 |
Return on assets (ROA) | 0.0810% | 5,712 |
Pretax return on assets | 0.0687% | 5,741 |
Return on Equity (ROE) | 1.1849% | 5,577 |
Retained earnings to average equity (ytd only) | -1.8071% | 5,696 |
Net charge-offs to loans | 0.5749% | 2,604 |
Credit loss provision to net charge-offs | 161.1397% | 2,850 |
Earnings coverage of net charge-offs (x) | 2.0885% | 4,035 |
Efficiency ratio | 83.3671% | 2,560 |
Assets per employee ($millions) | 2.0921% | 7,780 |
Cash dividends to net income (ytd only)* | 252.5146% | 164 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2893% | 4,327 |
Loan loss allowance to noncurrent loans | 60.8177% | 4,409 |
Noncurrent assets plus other real estate owned to assets | 1.6083% | 3,802 |
Noncurrent loans to loans | 2.1199% | 3,355 |
Net loans and leases to total assets | 71.1931% | 3,424 |
Net loans and leases to deposits | 85.7714% | 3,585 |
Net loans and leases to core deposits | 91.6109% | 5,386 |
Total domestic deposits to total assets | 83.0034% | 4,236 |
Equity capital to assets | 6.9832% | 7,625 |
Core capital (leverage) ratio | 7.5661% | 6,942 |
Tier 1 risk-based capital ratio | 9.3365% | 7,517 |
Total risk-based capital ratio | 10.4641% | 7,583 |
Memoranda: | ||
Average total assets | $2,110,790,670 | 355 |
Average earning assets | $1,929,330,330 | 348 |
Average equity | $144,320,000 | 484 |
Average total loans | $1,489,720,670 | 363 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2105% | 6,253 |
Cost of funding earning assets | 1.0879% | 7,536 |
Net interest margin | 4.1227% | 2,204 |
Noninterest income to average assets | 1.0081% | 1,462 |
Noninterest expense to average assets | 3.7951% | 1,480 |
Loan and lease loss provision to assets | 0.6020% | 2,094 |
Net operating income to assets | 0.2899% | 5,336 |
Return on assets (ROA) | 0.2899% | 5,507 |
Pretax return on assets | 0.3935% | 5,414 |
Return on Equity (ROE) | 4.2844% | 4,798 |
Retained earnings to average equity (ytd only) | -1.7182% | 6,042 |
Net charge-offs to loans | 0.9936% | 1,352 |
Credit loss provision to net charge-offs | 86.7679% | 4,070 |
Earnings coverage of net charge-offs (x) | 1.4349% | 4,018 |
Efficiency ratio | 79.2202% | 2,962 |
Assets per employee ($millions) | 2.1502% | 7,768 |
Cash dividends to net income (ytd only)* | 140.1038% | 496 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0905% | 5,539 |
Loan loss allowance to noncurrent loans | 55.1681% | 4,890 |
Noncurrent assets plus other real estate owned to assets | 1.4388% | 3,775 |
Noncurrent loans to loans | 1.9767% | 3,294 |
Net loans and leases to total assets | 69.6505% | 3,764 |
Net loans and leases to deposits | 88.1067% | 3,273 |
Net loans and leases to core deposits | 94.0532% | 5,142 |
Total domestic deposits to total assets | 79.0525% | 5,704 |
Equity capital to assets | 6.8799% | 7,732 |
Core capital (leverage) ratio | 7.5197% | 7,138 |
Tier 1 risk-based capital ratio | 9.4281% | 7,489 |
Total risk-based capital ratio | 10.3843% | 7,719 |
Memoranda: | ||
Average total assets | $2,126,403,500 | 353 |
Average earning assets | $1,950,973,000 | 347 |
Average equity | $143,869,500 | 488 |
Average total loans | $1,484,659,000 | 368 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.9843% | 5,622 |
Cost of funding earning assets | 1.5921% | 7,467 |
Net interest margin | 4.3922% | 1,705 |
Noninterest income to average assets | 1.2002% | 1,040 |
Noninterest expense to average assets | 3.7394% | 1,878 |
Loan and lease loss provision to assets | 0.3649% | 3,501 |
Net operating income to assets | 0.7562% | 3,637 |
Return on assets (ROA) | 0.7510% | 3,498 |
Pretax return on assets | 1.1004% | 3,022 |
Return on Equity (ROE) | 10.9707% | 1,918 |
Retained earnings to average equity (ytd only) | 9.3040% | 553 |
Net charge-offs to loans | 0.1129% | 5,136 |
Credit loss provision to net charge-offs | 498.9987% | 880 |
Earnings coverage of net charge-offs (x) | 20.1415% | 1,590 |
Efficiency ratio | 71.7409% | 3,987 |
Assets per employee ($millions) | 2.2145% | 7,687 |
Cash dividends to net income (ytd only)* | 15.1921% | 4,565 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1290% | 5,071 |
Loan loss allowance to noncurrent loans | 61.6437% | 4,919 |
Noncurrent assets plus other real estate owned to assets | 1.3026% | 3,617 |
Noncurrent loans to loans | 1.8314% | 3,015 |
Net loans and leases to total assets | 68.4475% | 4,378 |
Net loans and leases to deposits | 89.5514% | 3,526 |
Net loans and leases to core deposits | 95.0187% | 5,344 |
Total domestic deposits to total assets | 76.4337% | 6,137 |
Equity capital to assets | 6.6532% | 7,890 |
Core capital (leverage) ratio | 7.5234% | 7,182 |
Tier 1 risk-based capital ratio | 9.6686% | 7,121 |
Total risk-based capital ratio | 10.6814% | 7,297 |
Memoranda: | ||
Average total assets | $2,048,375,000 | 351 |
Average earning assets | $1,871,160,400 | 348 |
Average equity | $140,219,400 | 499 |
Average total loans | $1,327,066,600 | 393 |