Home > Nevada State Bank > Performance and Condition Ratios
Nevada State Bank, Performance and Condition Ratios
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 | 2.9550% | 5,848 |
Cost of funding earning assets | 0.0832% | 6,111 |
Net interest margin | 2.8718% | 5,459 |
Noninterest income to average assets | 0.8298% | 1,689 |
Noninterest expense to average assets | 3.0694% | 2,304 |
Loan and lease loss provision to assets | -0.4832% | 6,208 |
Net operating income to assets | 0.6200% | 4,286 |
Return on assets (ROA) | 0.5871% | 4,541 |
Pretax return on assets | 0.8810% | 4,049 |
Return on Equity (ROE) | 6.5284% | 3,888 |
Retained earnings to average equity (ytd only) | 6.5284% | 1,941 |
Net charge-offs to loans | -0.4449% | 6,140 |
Credit loss provision to net charge-offs | 194.7362% | 1,366 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 87.2896% | 912 |
Assets per employee ($millions) | 5.9461% | 1,411 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9928% | 919 |
Loan loss allowance to noncurrent loans | 225.9315% | 2,041 |
Noncurrent assets plus other real estate owned to assets | 0.4719% | 3,910 |
Noncurrent loans to loans | 0.8820% | 2,775 |
Net loans and leases to total assets | 52.3485% | 4,720 |
Net loans and leases to deposits | 57.7552% | 5,013 |
Net loans and leases to core deposits | 58.1486% | 5,181 |
Total domestic deposits to total assets | 90.6387% | 352 |
Equity capital to assets | 8.7752% | 5,510 |
Core capital (leverage) ratio | 8.6850% | 5,367 |
Tier 1 risk-based capital ratio | 16.0034% | 2,792 |
Total risk-based capital ratio | 17.2648% | 2,736 |
Memoranda: | ||
Average total assets | $4,256,953,000 | 222 |
Average earning assets | $3,982,336,500 | 211 |
Average equity | $382,809,750 | 259 |
Average total loans | $2,374,030,500 | 255 |
2015-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.0008% | 5,855 |
Cost of funding earning assets | 0.0836% | 6,187 |
Net interest margin | 2.9171% | 5,408 |
Noninterest income to average assets | 0.8345% | 1,653 |
Noninterest expense to average assets | 3.1077% | 2,226 |
Loan and lease loss provision to assets | -0.5534% | 6,283 |
Net operating income to assets | 0.6699% | 4,035 |
Return on assets (ROA) | 0.6202% | 4,375 |
Pretax return on assets | 0.9310% | 3,844 |
Return on Equity (ROE) | 6.8401% | 3,709 |
Retained earnings to average equity (ytd only) | -0.9837% | 5,687 |
Net charge-offs to loans | -0.6298% | 6,222 |
Credit loss provision to net charge-offs | 155.3225% | 1,504 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 87.3079% | 960 |
Assets per employee ($millions) | 5.7826% | 1,514 |
Cash dividends to net income (ytd only)* | 114.3816% | 356 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0971% | 859 |
Loan loss allowance to noncurrent loans | 227.5922% | 2,032 |
Noncurrent assets plus other real estate owned to assets | 0.5032% | 3,936 |
Noncurrent loans to loans | 0.9214% | 2,826 |
Net loans and leases to total assets | 53.4692% | 4,618 |
Net loans and leases to deposits | 58.9807% | 4,934 |
Net loans and leases to core deposits | 59.4096% | 5,110 |
Total domestic deposits to total assets | 90.6556% | 398 |
Equity capital to assets | 8.8065% | 5,430 |
Core capital (leverage) ratio | 8.8631% | 5,142 |
Tier 1 risk-based capital ratio | 15.8356% | 2,934 |
Total risk-based capital ratio | 17.0985% | 2,889 |
Memoranda: | ||
Average total assets | $4,229,058,670 | 224 |
Average earning assets | $3,950,585,000 | 216 |
Average equity | $383,446,000 | 261 |
Average total loans | $2,392,553,000 | 256 |
2015-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.9993% | 5,893 |
Cost of funding earning assets | 0.0832% | 6,256 |
Net interest margin | 2.9162% | 5,419 |
Noninterest income to average assets | 0.8069% | 1,688 |
Noninterest expense to average assets | 3.0723% | 2,356 |
Loan and lease loss provision to assets | -0.8286% | 6,374 |
Net operating income to assets | 0.8518% | 3,000 |
Return on assets (ROA) | 0.8590% | 3,086 |
Pretax return on assets | 1.2983% | 2,296 |
Return on Equity (ROE) | 9.3348% | 2,297 |
Retained earnings to average equity (ytd only) | 4.1361% | 3,523 |
Net charge-offs to loans | -1.0270% | 6,323 |
Credit loss provision to net charge-offs | 140.1003% | 1,306 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 87.0055% | 1,097 |
Assets per employee ($millions) | 5.6487% | 1,670 |
Cash dividends to net income (ytd only)* | 55.6917% | 1,551 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1415% | 864 |
Loan loss allowance to noncurrent loans | 181.3098% | 2,401 |
Noncurrent assets plus other real estate owned to assets | 0.6758% | 3,461 |
Noncurrent loans to loans | 1.1811% | 2,411 |
Net loans and leases to total assets | 54.8504% | 4,335 |
Net loans and leases to deposits | 60.7602% | 4,688 |
Net loans and leases to core deposits | 61.2139% | 4,891 |
Total domestic deposits to total assets | 90.2735% | 621 |
Equity capital to assets | 9.0800% | 5,209 |
Core capital (leverage) ratio | 9.3133% | 4,550 |
Tier 1 risk-based capital ratio | 16.0956% | 2,877 |
Total risk-based capital ratio | 17.3593% | 2,806 |
Memoranda: | ||
Average total assets | $4,180,877,500 | 222 |
Average earning assets | $3,905,683,500 | 214 |
Average equity | $384,710,500 | 258 |
Average total loans | $2,407,674,500 | 253 |
2014-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.1042% | 5,951 |
Cost of funding earning assets | 0.0893% | 6,359 |
Net interest margin | 3.0149% | 5,421 |
Noninterest income to average assets | 0.8602% | 1,643 |
Noninterest expense to average assets | 3.2614% | 2,035 |
Loan and lease loss provision to assets | -0.5137% | 6,446 |
Net operating income to assets | 0.6212% | 4,268 |
Return on assets (ROA) | 0.5496% | 4,687 |
Pretax return on assets | 0.8182% | 4,197 |
Return on Equity (ROE) | 5.9280% | 4,184 |
Retained earnings to average equity (ytd only) | 3.2711% | 3,901 |
Net charge-offs to loans | 0.0078% | 4,766 |
Credit loss provision to net charge-offs | -11,333.1522% | 6,095 |
Earnings coverage of net charge-offs (x) | 90.7500% | 569 |
Efficiency ratio | 88.6631% | 937 |
Assets per employee ($millions) | 5.2458% | 2,020 |
Cash dividends to net income (ytd only)* | 44.8189% | 2,584 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.2148% | 804 |
Loan loss allowance to noncurrent loans | 254.1789% | 1,876 |
Noncurrent assets plus other real estate owned to assets | 0.5306% | 4,029 |
Noncurrent loans to loans | 0.8714% | 3,138 |
Net loans and leases to total assets | 57.8769% | 4,059 |
Net loans and leases to deposits | 64.2622% | 4,500 |
Net loans and leases to core deposits | 64.7814% | 4,772 |
Total domestic deposits to total assets | 90.0637% | 704 |
Equity capital to assets | 9.3284% | 4,932 |
Core capital (leverage) ratio | 9.0227% | 4,963 |
Tier 1 risk-based capital ratio | 15.5130% | 3,227 |
Total risk-based capital ratio | 16.7789% | 3,148 |
Memoranda: | ||
Average total assets | $4,059,635,400 | 217 |
Average earning assets | $3,786,934,600 | 210 |
Average equity | $376,385,000 | 249 |
Average total loans | $2,359,339,000 | 241 |
2014-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.1124% | 6,012 |
Cost of funding earning assets | 0.0901% | 6,442 |
Net interest margin | 3.0224% | 5,459 |
Noninterest income to average assets | 0.8535% | 1,682 |
Noninterest expense to average assets | 3.2128% | 2,135 |
Loan and lease loss provision to assets | -0.4339% | 6,515 |
Net operating income to assets | 0.5982% | 4,453 |
Return on assets (ROA) | 0.5139% | 4,886 |
Pretax return on assets | 0.7661% | 4,480 |
Return on Equity (ROE) | 5.5514% | 4,460 |
Retained earnings to average equity (ytd only) | 3.7734% | 3,970 |
Net charge-offs to loans | -0.0252% | 5,684 |
Credit loss provision to net charge-offs | 2,975.6208% | 134 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 87.3386% | 1,065 |
Assets per employee ($millions) | 5.1464% | 2,085 |
Cash dividends to net income (ytd only)* | 32.0287% | 2,708 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.5709% | 597 |
Loan loss allowance to noncurrent loans | 310.0885% | 1,486 |
Noncurrent assets plus other real estate owned to assets | 0.5124% | 4,346 |
Noncurrent loans to loans | 0.8291% | 3,501 |
Net loans and leases to total assets | 58.0372% | 4,063 |
Net loans and leases to deposits | 64.4289% | 4,486 |
Net loans and leases to core deposits | 64.9298% | 4,805 |
Total domestic deposits to total assets | 90.0795% | 698 |
Equity capital to assets | 9.4021% | 4,915 |
Core capital (leverage) ratio | 8.8644% | 5,244 |
Tier 1 risk-based capital ratio | 15.3080% | 3,420 |
Total risk-based capital ratio | 16.5790% | 3,343 |
Memoranda: | ||
Average total assets | $4,050,297,500 | 215 |
Average earning assets | $3,775,500,000 | 207 |
Average equity | $374,935,750 | 246 |
Average total loans | $2,342,944,500 | 239 |
2014-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.1074% | 6,055 |
Cost of funding earning assets | 0.0907% | 6,507 |
Net interest margin | 3.0166% | 5,474 |
Noninterest income to average assets | 0.8315% | 1,730 |
Noninterest expense to average assets | 3.2555% | 2,034 |
Loan and lease loss provision to assets | -0.4075% | 6,564 |
Net operating income to assets | 0.5344% | 4,673 |
Return on assets (ROA) | 0.4060% | 5,281 |
Pretax return on assets | 0.6011% | 4,951 |
Return on Equity (ROE) | 4.4094% | 4,969 |
Retained earnings to average equity (ytd only) | 4.4094% | 3,372 |
Net charge-offs to loans | -0.0215% | 5,572 |
Credit loss provision to net charge-offs | 3,314.4578% | 108 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 89.2129% | 971 |
Assets per employee ($millions) | 5.0741% | 2,121 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.8707% | 446 |
Loan loss allowance to noncurrent loans | 305.9368% | 1,497 |
Noncurrent assets plus other real estate owned to assets | 0.5663% | 4,291 |
Noncurrent loans to loans | 0.9383% | 3,369 |
Net loans and leases to total assets | 55.1847% | 4,386 |
Net loans and leases to deposits | 61.1527% | 4,769 |
Net loans and leases to core deposits | 61.6525% | 4,996 |
Total domestic deposits to total assets | 90.2408% | 694 |
Equity capital to assets | 9.2483% | 5,040 |
Core capital (leverage) ratio | 8.8211% | 5,258 |
Tier 1 risk-based capital ratio | 15.6042% | 3,295 |
Total risk-based capital ratio | 16.8762% | 3,225 |
Memoranda: | ||
Average total assets | $4,050,330,670 | 211 |
Average earning assets | $3,767,902,000 | 207 |
Average equity | $372,980,000 | 244 |
Average total loans | $2,319,709,670 | 237 |
2014-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.1031% | 6,115 |
Cost of funding earning assets | 0.0915% | 6,586 |
Net interest margin | 3.0116% | 5,495 |
Noninterest income to average assets | 0.8139% | 1,699 |
Noninterest expense to average assets | 3.1639% | 2,341 |
Loan and lease loss provision to assets | -0.2569% | 6,600 |
Net operating income to assets | 0.4982% | 4,703 |
Return on assets (ROA) | 0.2326% | 5,760 |
Pretax return on assets | 0.3313% | 5,648 |
Return on Equity (ROE) | 2.5311% | 5,613 |
Retained earnings to average equity (ytd only) | 2.5311% | 4,546 |
Net charge-offs to loans | -0.0048% | 4,812 |
Credit loss provision to net charge-offs | 9,239.2857% | 27 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 87.0306% | 1,336 |
Assets per employee ($millions) | 4.9589% | 2,297 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.0927% | 393 |
Loan loss allowance to noncurrent loans | 230.1477% | 1,850 |
Noncurrent assets plus other real estate owned to assets | 0.8287% | 3,657 |
Noncurrent loans to loans | 1.3438% | 2,793 |
Net loans and leases to total assets | 55.4612% | 4,215 |
Net loans and leases to deposits | 61.3957% | 4,613 |
Net loans and leases to core deposits | 61.9352% | 4,889 |
Total domestic deposits to total assets | 90.3340% | 900 |
Equity capital to assets | 9.1488% | 4,938 |
Core capital (leverage) ratio | 8.8321% | 5,227 |
Tier 1 risk-based capital ratio | 15.2355% | 3,587 |
Total risk-based capital ratio | 16.5125% | 3,526 |
Memoranda: | ||
Average total assets | $4,028,099,500 | 213 |
Average earning assets | $3,750,324,000 | 207 |
Average equity | $370,120,500 | 245 |
Average total loans | $2,316,321,500 | 234 |
2013-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.1637% | 6,181 |
Cost of funding earning assets | 0.1072% | 6,656 |
Net interest margin | 3.0565% | 5,440 |
Noninterest income to average assets | 0.9655% | 1,476 |
Noninterest expense to average assets | 3.3196% | 2,093 |
Loan and lease loss provision to assets | -0.2969% | 6,675 |
Net operating income to assets | 0.5224% | 4,634 |
Return on assets (ROA) | 0.4675% | 5,010 |
Pretax return on assets | 0.7023% | 4,535 |
Return on Equity (ROE) | 4.6936% | 4,783 |
Retained earnings to average equity (ytd only) | 4.6936% | 2,817 |
Net charge-offs to loans | 0.1415% | 3,392 |
Credit loss provision to net charge-offs | -389.4206% | 6,100 |
Earnings coverage of net charge-offs (x) | 6.3919% | 3,074 |
Efficiency ratio | 86.0492% | 1,410 |
Assets per employee ($millions) | 4.8010% | 2,445 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.2490% | 351 |
Loan loss allowance to noncurrent loans | 274.5380% | 1,600 |
Noncurrent assets plus other real estate owned to assets | 0.7587% | 3,987 |
Noncurrent loans to loans | 1.1835% | 3,177 |
Net loans and leases to total assets | 55.9061% | 4,332 |
Net loans and leases to deposits | 61.9772% | 4,725 |
Net loans and leases to core deposits | 62.5398% | 5,014 |
Total domestic deposits to total assets | 90.2044% | 966 |
Equity capital to assets | 9.2291% | 4,771 |
Core capital (leverage) ratio | 8.8558% | 5,207 |
Tier 1 risk-based capital ratio | 15.1047% | 3,609 |
Total risk-based capital ratio | 16.3831% | 3,533 |
Memoranda: | ||
Average total assets | $4,029,225,000 | 207 |
Average earning assets | $3,745,703,200 | 199 |
Average equity | $401,353,800 | 229 |
Average total loans | $2,170,871,400 | 238 |
2013-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.1263% | 6,291 |
Cost of funding earning assets | 0.1094% | 6,749 |
Net interest margin | 3.0169% | 5,554 |
Noninterest income to average assets | 1.0290% | 1,375 |
Noninterest expense to average assets | 3.2878% | 2,103 |
Loan and lease loss provision to assets | -0.2932% | 6,774 |
Net operating income to assets | 0.5533% | 4,569 |
Return on assets (ROA) | 0.5533% | 4,715 |
Pretax return on assets | 0.8374% | 4,152 |
Return on Equity (ROE) | 5.4560% | 4,489 |
Retained earnings to average equity (ytd only) | 5.4560% | 2,753 |
Net charge-offs to loans | 0.2448% | 2,345 |
Credit loss provision to net charge-offs | -226.3305% | 5,920 |
Earnings coverage of net charge-offs (x) | 4.2004% | 3,509 |
Efficiency ratio | 84.4139% | 1,548 |
Assets per employee ($millions) | 5.0099% | 2,150 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.4735% | 345 |
Loan loss allowance to noncurrent loans | 188.5168% | 2,099 |
Noncurrent assets plus other real estate owned to assets | 1.1188% | 3,413 |
Noncurrent loans to loans | 1.8426% | 2,443 |
Net loans and leases to total assets | 53.6975% | 4,660 |
Net loans and leases to deposits | 59.8004% | 4,994 |
Net loans and leases to core deposits | 60.3560% | 5,268 |
Total domestic deposits to total assets | 89.7946% | 1,108 |
Equity capital to assets | 9.6494% | 4,356 |
Core capital (leverage) ratio | 9.2310% | 4,788 |
Tier 1 risk-based capital ratio | 16.4691% | 2,947 |
Total risk-based capital ratio | 17.7497% | 2,901 |
Memoranda: | ||
Average total assets | $4,041,533,250 | 202 |
Average earning assets | $3,754,919,250 | 195 |
Average equity | $409,863,000 | 224 |
Average total loans | $2,138,644,000 | 237 |
2013-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.0915% | 6,347 |
Cost of funding earning assets | 0.1106% | 6,803 |
Net interest margin | 2.9809% | 5,608 |
Noninterest income to average assets | 0.9366% | 1,698 |
Noninterest expense to average assets | 3.2795% | 2,131 |
Loan and lease loss provision to assets | -0.4371% | 6,866 |
Net operating income to assets | 0.5716% | 4,443 |
Return on assets (ROA) | 0.5716% | 4,616 |
Pretax return on assets | 0.8661% | 4,037 |
Return on Equity (ROE) | 5.5486% | 4,427 |
Retained earnings to average equity (ytd only) | 5.5486% | 2,706 |
Net charge-offs to loans | 0.0963% | 3,397 |
Credit loss provision to net charge-offs | -872.7630% | 6,013 |
Earnings coverage of net charge-offs (x) | 8.5654% | 2,386 |
Efficiency ratio | 86.8808% | 1,326 |
Assets per employee ($millions) | 5.0859% | 2,012 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.7371% | 308 |
Loan loss allowance to noncurrent loans | 175.3691% | 2,214 |
Noncurrent assets plus other real estate owned to assets | 1.2275% | 3,301 |
Noncurrent loans to loans | 2.1310% | 2,248 |
Net loans and leases to total assets | 51.1825% | 4,975 |
Net loans and leases to deposits | 57.1600% | 5,231 |
Net loans and leases to core deposits | 57.7263% | 5,445 |
Total domestic deposits to total assets | 89.5425% | 1,302 |
Equity capital to assets | 9.9538% | 3,970 |
Core capital (leverage) ratio | 9.4452% | 4,329 |
Tier 1 risk-based capital ratio | 17.5984% | 2,479 |
Total risk-based capital ratio | 18.8823% | 2,429 |
Memoranda: | ||
Average total assets | $4,061,083,330 | 199 |
Average earning assets | $3,776,247,670 | 194 |
Average equity | $418,376,000 | 223 |
Average total loans | $2,112,968,000 | 240 |
2013-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.0067% | 6,510 |
Cost of funding earning assets | 0.1119% | 6,886 |
Net interest margin | 2.8948% | 5,826 |
Noninterest income to average assets | 0.8943% | 1,778 |
Noninterest expense to average assets | 3.1405% | 2,542 |
Loan and lease loss provision to assets | -0.0229% | 6,752 |
Net operating income to assets | 0.3151% | 5,514 |
Return on assets (ROA) | 0.3151% | 5,644 |
Pretax return on assets | 0.4693% | 5,360 |
Return on Equity (ROE) | 3.0083% | 5,585 |
Retained earnings to average equity (ytd only) | 3.0083% | 4,480 |
Net charge-offs to loans | 0.2842% | 1,827 |
Credit loss provision to net charge-offs | -15.6836% | 4,977 |
Earnings coverage of net charge-offs (x) | 3.0516% | 2,856 |
Efficiency ratio | 85.9595% | 1,525 |
Assets per employee ($millions) | 5.0707% | 2,130 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
Condition Ratios (%) | ||
Loss allowance to loans | 4.2050% | 244 |
Loan loss allowance to noncurrent loans | 150.5587% | 2,368 |
Noncurrent assets plus other real estate owned to assets | 1.5555% | 2,931 |
Noncurrent loans to loans | 2.7929% | 1,814 |
Net loans and leases to total assets | 49.0766% | 5,104 |
Net loans and leases to deposits | 54.9470% | 5,351 |
Net loans and leases to core deposits | 55.4933% | 5,559 |
Total domestic deposits to total assets | 89.3161% | 1,480 |
Equity capital to assets | 10.1714% | 3,932 |
Core capital (leverage) ratio | 9.8074% | 3,653 |
Tier 1 risk-based capital ratio | 18.6011% | 2,159 |
Total risk-based capital ratio | 19.8900% | 2,115 |
Memoranda: | ||
Average total assets | $4,080,166,500 | 202 |
Average earning assets | $3,795,122,500 | 196 |
Average equity | $427,347,500 | 221 |
Average total loans | $2,099,970,000 | 244 |
2012-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4040% | 6,482 |
Cost of funding earning assets | 0.1439% | 6,931 |
Net interest margin | 3.2601% | 5,394 |
Noninterest income to average assets | 0.8241% | 2,161 |
Noninterest expense to average assets | 3.2566% | 2,459 |
Loan and lease loss provision to assets | -0.2344% | 6,993 |
Net operating income to assets | 0.5301% | 4,564 |
Return on assets (ROA) | 0.5301% | 4,830 |
Pretax return on assets | 0.8042% | 4,277 |
Return on Equity (ROE) | 4.4924% | 4,937 |
Retained earnings to average equity (ytd only) | 4.4924% | 3,071 |
Net charge-offs to loans | 1.3774% | 672 |
Credit loss provision to net charge-offs | -32.3646% | 6,255 |
Earnings coverage of net charge-offs (x) | 0.7870% | 5,082 |
Efficiency ratio | 83.6253% | 1,672 |
Assets per employee ($millions) | 5.0600% | 2,149 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
Condition Ratios (%) | ||
Loss allowance to loans | 4.2935% | 227 |
Loan loss allowance to noncurrent loans | 132.4013% | 2,634 |
Noncurrent assets plus other real estate owned to assets | 1.8207% | 2,684 |
Noncurrent loans to loans | 3.2428% | 1,588 |
Net loans and leases to total assets | 49.4866% | 5,241 |
Net loans and leases to deposits | 55.7866% | 5,468 |
Net loans and leases to core deposits | 56.3101% | 5,694 |
Total domestic deposits to total assets | 88.7071% | 1,763 |
Equity capital to assets | 10.7787% | 3,196 |
Core capital (leverage) ratio | 10.2975% | 3,019 |
Tier 1 risk-based capital ratio | 18.9361% | 1,975 |
Total risk-based capital ratio | 20.2245% | 1,936 |
Memoranda: | ||
Average total assets | $4,119,839,800 | 201 |
Average earning assets | $3,794,128,400 | 192 |
Average equity | $486,136,000 | 198 |
Average total loans | $2,165,830,200 | 225 |
2012-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4105% | 6,617 |
Cost of funding earning assets | 0.1518% | 7,034 |
Net interest margin | 3.2586% | 5,520 |
Noninterest income to average assets | 0.8162% | 2,171 |
Noninterest expense to average assets | 3.2630% | 2,375 |
Loan and lease loss provision to assets | -0.3065% | 7,121 |
Net operating income to assets | 0.5585% | 4,580 |
Return on assets (ROA) | 0.5585% | 4,839 |
Pretax return on assets | 0.8517% | 4,297 |
Return on Equity (ROE) | 4.6346% | 4,992 |
Retained earnings to average equity (ytd only) | 4.6346% | 3,636 |
Net charge-offs to loans | 1.3732% | 662 |
Credit loss provision to net charge-offs | -42.2907% | 6,164 |
Earnings coverage of net charge-offs (x) | 0.7522% | 4,953 |
Efficiency ratio | 84.1994% | 1,571 |
Assets per employee ($millions) | 4.9948% | 2,205 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
Condition Ratios (%) | ||
Loss allowance to loans | 4.5763% | 195 |
Loan loss allowance to noncurrent loans | 116.4789% | 2,850 |
Noncurrent assets plus other real estate owned to assets | 2.2765% | 2,341 |
Noncurrent loans to loans | 3.9289% | 1,315 |
Net loans and leases to total assets | 50.4245% | 5,260 |
Net loans and leases to deposits | 57.1533% | 5,515 |
Net loans and leases to core deposits | 57.8154% | 5,745 |
Total domestic deposits to total assets | 88.2267% | 1,891 |
Equity capital to assets | 11.1121% | 3,139 |
Core capital (leverage) ratio | 10.4721% | 2,952 |
Tier 1 risk-based capital ratio | 18.9486% | 2,028 |
Total risk-based capital ratio | 20.2360% | 1,985 |
Memoranda: | ||
Average total assets | $4,133,995,250 | 203 |
Average earning assets | $3,795,845,500 | 193 |
Average equity | $498,179,500 | 193 |
Average total loans | $2,182,049,000 | 224 |
2012-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4297% | 6,703 |
Cost of funding earning assets | 0.1588% | 7,099 |
Net interest margin | 3.2709% | 5,528 |
Noninterest income to average assets | 0.6890% | 2,722 |
Noninterest expense to average assets | 3.2546% | 2,424 |
Loan and lease loss provision to assets | -0.4008% | 7,193 |
Net operating income to assets | 0.5447% | 4,604 |
Return on assets (ROA) | 0.5447% | 4,886 |
Pretax return on assets | 0.8320% | 4,348 |
Return on Equity (ROE) | 4.4081% | 5,088 |
Retained earnings to average equity (ytd only) | 4.4081% | 3,677 |
Net charge-offs to loans | 1.2676% | 849 |
Credit loss provision to net charge-offs | -59.9309% | 6,016 |
Earnings coverage of net charge-offs (x) | 0.6446% | 4,740 |
Efficiency ratio | 86.7775% | 1,364 |
Assets per employee ($millions) | 5.0824% | 2,052 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
Condition Ratios (%) | ||
Loss allowance to loans | 5.0330% | 161 |
Loan loss allowance to noncurrent loans | 120.3877% | 2,723 |
Noncurrent assets plus other real estate owned to assets | 2.5674% | 2,173 |
Noncurrent loans to loans | 4.1807% | 1,311 |
Net loans and leases to total assets | 49.8868% | 5,368 |
Net loans and leases to deposits | 56.6467% | 5,584 |
Net loans and leases to core deposits | 57.3343% | 5,828 |
Total domestic deposits to total assets | 88.0666% | 2,099 |
Equity capital to assets | 11.3843% | 2,706 |
Core capital (leverage) ratio | 10.7226% | 2,575 |
Tier 1 risk-based capital ratio | 20.1790% | 1,670 |
Total risk-based capital ratio | 21.4779% | 1,624 |
Memoranda: | ||
Average total assets | $4,156,731,330 | 198 |
Average earning assets | $3,808,393,330 | 191 |
Average equity | $513,641,330 | 191 |
Average total loans | $2,193,241,000 | 223 |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4366% | 6,773 |
Cost of funding earning assets | 0.1700% | 7,150 |
Net interest margin | 3.2666% | 5,589 |
Noninterest income to average assets | 0.6164% | 3,123 |
Noninterest expense to average assets | 3.2457% | 2,452 |
Loan and lease loss provision to assets | -0.6443% | 7,271 |
Net operating income to assets | 0.6594% | 4,083 |
Return on assets (ROA) | 0.6594% | 4,292 |
Pretax return on assets | 1.0089% | 3,648 |
Return on Equity (ROE) | 5.1364% | 4,722 |
Retained earnings to average equity (ytd only) | 5.1364% | 3,478 |
Net charge-offs to loans | 1.0775% | 958 |
Credit loss provision to net charge-offs | -113.0764% | 5,515 |
Earnings coverage of net charge-offs (x) | 0.6400% | 4,015 |
Efficiency ratio | 88.3489% | 1,240 |
Assets per employee ($millions) | 5.2502% | 1,927 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
Condition Ratios (%) | ||
Loss allowance to loans | 5.4744% | 119 |
Loan loss allowance to noncurrent loans | 140.4533% | 2,295 |
Noncurrent assets plus other real estate owned to assets | 2.4508% | 2,410 |
Noncurrent loans to loans | 3.8977% | 1,583 |
Net loans and leases to total assets | 48.4811% | 5,493 |
Net loans and leases to deposits | 55.8399% | 5,624 |
Net loans and leases to core deposits | 56.4948% | 5,860 |
Total domestic deposits to total assets | 86.8217% | 3,056 |
Equity capital to assets | 12.6869% | 1,604 |
Core capital (leverage) ratio | 12.5024% | 1,342 |
Tier 1 risk-based capital ratio | 23.0416% | 1,129 |
Total risk-based capital ratio | 24.3435% | 1,102 |
Memoranda: | ||
Average total assets | $4,171,641,000 | 194 |
Average earning assets | $3,823,569,500 | 188 |
Average equity | $535,552,500 | 185 |
Average total loans | $2,205,913,500 | 219 |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8416% | 6,683 |
Cost of funding earning assets | 0.2617% | 7,162 |
Net interest margin | 3.5798% | 4,808 |
Noninterest income to average assets | 0.7657% | 2,258 |
Noninterest expense to average assets | 3.2246% | 2,782 |
Loan and lease loss provision to assets | -0.9222% | 7,347 |
Net operating income to assets | 1.1213% | 1,750 |
Return on assets (ROA) | 1.1213% | 1,874 |
Pretax return on assets | 1.7187% | 952 |
Return on Equity (ROE) | 7.9331% | 2,945 |
Retained earnings to average equity (ytd only) | 7.9331% | 1,102 |
Net charge-offs to loans | 2.3400% | 530 |
Credit loss provision to net charge-offs | -69.5796% | 6,683 |
Earnings coverage of net charge-offs (x) | 0.6010% | 5,372 |
Efficiency ratio | 78.7579% | 2,490 |
Assets per employee ($millions) | 4.9590% | 2,258 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
Condition Ratios (%) | ||
Loss allowance to loans | 5.8926% | 99 |
Loan loss allowance to noncurrent loans | 146.0695% | 2,178 |
Noncurrent assets plus other real estate owned to assets | 2.8005% | 2,156 |
Noncurrent loans to loans | 4.0341% | 1,550 |
Net loans and leases to total assets | 51.3106% | 5,424 |
Net loans and leases to deposits | 59.3375% | 5,564 |
Net loans and leases to core deposits | 60.1345% | 5,837 |
Total domestic deposits to total assets | 86.4724% | 3,043 |
Equity capital to assets | 12.9942% | 1,487 |
Core capital (leverage) ratio | 11.6981% | 1,765 |
Tier 1 risk-based capital ratio | 21.5786% | 1,303 |
Total risk-based capital ratio | 22.8884% | 1,259 |
Memoranda: | ||
Average total assets | $4,154,592,200 | 190 |
Average earning assets | $3,778,131,200 | 189 |
Average equity | $587,220,400 | 170 |
Average total loans | $2,353,168,600 | 210 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8681% | 6,770 |
Cost of funding earning assets | 0.2761% | 7,251 |
Net interest margin | 3.5920% | 4,803 |
Noninterest income to average assets | 0.7682% | 2,206 |
Noninterest expense to average assets | 3.2382% | 2,707 |
Loan and lease loss provision to assets | -1.0570% | 7,428 |
Net operating income to assets | 1.2044% | 1,642 |
Return on assets (ROA) | 1.2044% | 1,749 |
Pretax return on assets | 1.8465% | 865 |
Return on Equity (ROE) | 8.3556% | 2,895 |
Retained earnings to average equity (ytd only) | 8.3556% | 1,371 |
Net charge-offs to loans | 2.5792% | 416 |
Credit loss provision to net charge-offs | -71.6955% | 6,493 |
Earnings coverage of net charge-offs (x) | 0.5355% | 5,230 |
Efficiency ratio | 78.9619% | 2,411 |
Assets per employee ($millions) | 5.2152% | 1,912 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
Condition Ratios (%) | ||
Loss allowance to loans | 6.2612% | 75 |
Loan loss allowance to noncurrent loans | 165.6269% | 1,840 |
Noncurrent assets plus other real estate owned to assets | 2.7595% | 2,357 |
Noncurrent loans to loans | 3.7803% | 1,788 |
Net loans and leases to total assets | 51.5765% | 5,500 |
Net loans and leases to deposits | 60.8036% | 5,540 |
Net loans and leases to core deposits | 63.3016% | 5,691 |
Total domestic deposits to total assets | 84.8248% | 3,859 |
Equity capital to assets | 14.6818% | 937 |
Core capital (leverage) ratio | 13.7941% | 955 |
Tier 1 risk-based capital ratio | 25.1930% | 896 |
Total risk-based capital ratio | 26.5095% | 884 |
Memoranda: | ||
Average total assets | $4,167,962,000 | 190 |
Average earning assets | $3,782,099,500 | 188 |
Average equity | $600,799,000 | 169 |
Average total loans | $2,382,444,000 | 208 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9266% | 6,772 |
Cost of funding earning assets | 0.2856% | 7,329 |
Net interest margin | 3.6410% | 4,560 |
Noninterest income to average assets | 0.7727% | 2,147 |
Noninterest expense to average assets | 3.2606% | 2,702 |
Loan and lease loss provision to assets | -0.8406% | 7,497 |
Net operating income to assets | 1.0784% | 1,941 |
Return on assets (ROA) | 1.0784% | 2,039 |
Pretax return on assets | 1.6523% | 1,154 |
Return on Equity (ROE) | 7.5288% | 3,178 |
Retained earnings to average equity (ytd only) | 7.5288% | 1,646 |
Net charge-offs to loans | 3.2356% | 297 |
Credit loss provision to net charge-offs | -44.8776% | 6,241 |
Earnings coverage of net charge-offs (x) | 0.4334% | 4,978 |
Efficiency ratio | 78.6143% | 2,608 |
Assets per employee ($millions) | 5.0737% | 2,020 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
Condition Ratios (%) | ||
Loss allowance to loans | 7.0936% | 53 |
Loan loss allowance to noncurrent loans | 123.1403% | 2,384 |
Noncurrent assets plus other real estate owned to assets | 3.9776% | 1,615 |
Noncurrent loans to loans | 5.7605% | 1,063 |
Net loans and leases to total assets | 52.6604% | 5,481 |
Net loans and leases to deposits | 61.9398% | 5,511 |
Net loans and leases to core deposits | 64.7273% | 5,641 |
Total domestic deposits to total assets | 85.0187% | 3,869 |
Equity capital to assets | 14.4501% | 955 |
Core capital (leverage) ratio | 13.3123% | 1,057 |
Tier 1 risk-based capital ratio | 23.9246% | 1,014 |
Total risk-based capital ratio | 25.2537% | 989 |
Memoranda: | ||
Average total assets | $4,143,961,330 | 195 |
Average earning assets | $3,755,528,000 | 193 |
Average equity | $593,564,000 | 172 |
Average total loans | $2,398,960,330 | 210 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8560% | 6,881 |
Cost of funding earning assets | 0.2887% | 7,401 |
Net interest margin | 3.5673% | 4,736 |
Noninterest income to average assets | 0.5934% | 3,222 |
Noninterest expense to average assets | 3.1240% | 3,164 |
Loan and lease loss provision to assets | 0.0755% | 5,055 |
Net operating income to assets | 0.4056% | 4,923 |
Return on assets (ROA) | 0.4056% | 5,008 |
Pretax return on assets | 0.6158% | 4,628 |
Return on Equity (ROE) | 2.8442% | 5,452 |
Retained earnings to average equity (ytd only) | 2.8442% | 4,464 |
Net charge-offs to loans | 3.5753% | 279 |
Credit loss provision to net charge-offs | 3.6078% | 4,446 |
Earnings coverage of net charge-offs (x) | 0.3305% | 4,367 |
Efficiency ratio | 80.2447% | 2,484 |
Assets per employee ($millions) | 4.9931% | 2,175 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
Condition Ratios (%) | ||
Loss allowance to loans | 8.4802% | 31 |
Loan loss allowance to noncurrent loans | 120.8006% | 2,409 |
Noncurrent assets plus other real estate owned to assets | 4.7090% | 1,353 |
Noncurrent loans to loans | 7.0200% | 787 |
Net loans and leases to total assets | 53.1361% | 5,429 |
Net loans and leases to deposits | 62.2522% | 5,467 |
Net loans and leases to core deposits | 65.0769% | 5,616 |
Total domestic deposits to total assets | 85.3562% | 3,861 |
Equity capital to assets | 14.1489% | 963 |
Core capital (leverage) ratio | 12.7082% | 1,237 |
Tier 1 risk-based capital ratio | 22.2995% | 1,176 |
Total risk-based capital ratio | 23.6478% | 1,141 |
Memoranda: | ||
Average total assets | $4,112,879,500 | 194 |
Average earning assets | $3,714,726,500 | 193 |
Average equity | $586,452,000 | 173 |
Average total loans | $2,406,401,500 | 209 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1454% | 6,996 |
Cost of funding earning assets | 0.3406% | 7,474 |
Net interest margin | 3.8048% | 3,919 |
Noninterest income to average assets | 0.4280% | 4,690 |
Noninterest expense to average assets | 3.2036% | 3,080 |
Loan and lease loss provision to assets | 3.2514% | 261 |
Net operating income to assets | -1.7135% | 6,975 |
Return on assets (ROA) | -1.7135% | 6,997 |
Pretax return on assets | -2.6448% | 7,212 |
Return on Equity (ROE) | -11.3967% | 6,789 |
Retained earnings to average equity (ytd only) | -11.3967% | 6,733 |
Net charge-offs to loans | 7.4810% | 44 |
Credit loss provision to net charge-offs | 69.9979% | 5,865 |
Earnings coverage of net charge-offs (x) | 0.1306% | 5,992 |
Efficiency ratio | 82.2705% | 2,128 |
Assets per employee ($millions) | 4.9173% | 2,265 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
Condition Ratios (%) | ||
Loss allowance to loans | 9.4146% | 26 |
Loan loss allowance to noncurrent loans | 101.9770% | 2,846 |
Noncurrent assets plus other real estate owned to assets | 6.1590% | 949 |
Noncurrent loans to loans | 9.2321% | 489 |
Net loans and leases to total assets | 53.4158% | 5,713 |
Net loans and leases to deposits | 62.8227% | 5,765 |
Net loans and leases to core deposits | 65.6079% | 5,917 |
Total domestic deposits to total assets | 85.0263% | 3,838 |
Equity capital to assets | 14.3712% | 937 |
Core capital (leverage) ratio | 12.6636% | 1,253 |
Tier 1 risk-based capital ratio | 21.1222% | 1,300 |
Total risk-based capital ratio | 22.4793% | 1,262 |
Memoranda: | ||
Average total assets | $4,101,370,200 | 197 |
Average earning assets | $3,645,866,800 | 198 |
Average equity | $616,624,400 | 166 |
Average total loans | $2,546,583,200 | 205 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1837% | 7,115 |
Cost of funding earning assets | 0.3549% | 7,603 |
Net interest margin | 3.8288% | 3,853 |
Noninterest income to average assets | 0.3644% | 5,242 |
Noninterest expense to average assets | 3.0992% | 3,342 |
Loan and lease loss provision to assets | 3.2118% | 252 |
Net operating income to assets | -1.6548% | 7,143 |
Return on assets (ROA) | -1.6548% | 7,158 |
Pretax return on assets | -2.5542% | 7,332 |
Return on Equity (ROE) | -10.8876% | 6,963 |
Retained earnings to average equity (ytd only) | -10.8876% | 6,919 |
Net charge-offs to loans | 6.9721% | 67 |
Credit loss provision to net charge-offs | 73.2792% | 5,331 |
Earnings coverage of net charge-offs (x) | 0.1500% | 5,873 |
Efficiency ratio | 80.6281% | 2,262 |
Assets per employee ($millions) | 4.9796% | 2,204 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
Condition Ratios (%) | ||
Loss allowance to loans | 10.0982% | 24 |
Loan loss allowance to noncurrent loans | 85.2574% | 3,203 |
Noncurrent assets plus other real estate owned to assets | 7.6532% | 676 |
Noncurrent loans to loans | 11.8444% | 300 |
Net loans and leases to total assets | 54.2622% | 5,809 |
Net loans and leases to deposits | 64.2778% | 5,881 |
Net loans and leases to core deposits | 66.1411% | 6,112 |
Total domestic deposits to total assets | 84.4182% | 3,913 |
Equity capital to assets | 14.9523% | 900 |
Core capital (leverage) ratio | 12.9714% | 1,243 |
Tier 1 risk-based capital ratio | 21.4172% | 1,300 |
Total risk-based capital ratio | 22.7837% | 1,258 |
Memoranda: | ||
Average total assets | $4,108,829,250 | 197 |
Average earning assets | $3,640,607,250 | 195 |
Average equity | $624,498,500 | 165 |
Average total loans | $2,583,010,250 | 201 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2128% | 7,157 |
Cost of funding earning assets | 0.3765% | 7,674 |
Net interest margin | 3.8363% | 3,729 |
Noninterest income to average assets | 0.3806% | 5,080 |
Noninterest expense to average assets | 3.1105% | 3,267 |
Loan and lease loss provision to assets | 4.2139% | 172 |
Net operating income to assets | -2.2990% | 7,373 |
Return on assets (ROA) | -2.2990% | 7,385 |
Pretax return on assets | -3.5462% | 7,550 |
Return on Equity (ROE) | -15.0465% | 7,146 |
Retained earnings to average equity (ytd only) | -15.0465% | 7,105 |
Net charge-offs to loans | 7.5380% | 73 |
Credit loss provision to net charge-offs | 87.7824% | 4,488 |
Earnings coverage of net charge-offs (x) | 0.1391% | 5,584 |
Efficiency ratio | 80.4414% | 2,380 |
Assets per employee ($millions) | 5.0446% | 2,130 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
Condition Ratios (%) | ||
Loss allowance to loans | 10.7025% | 16 |
Loan loss allowance to noncurrent loans | 86.3742% | 3,149 |
Noncurrent assets plus other real estate owned to assets | 8.5929% | 537 |
Noncurrent loans to loans | 12.3909% | 261 |
Net loans and leases to total assets | 55.8451% | 5,727 |
Net loans and leases to deposits | 66.3339% | 5,766 |
Net loans and leases to core deposits | 68.2014% | 6,037 |
Total domestic deposits to total assets | 84.1878% | 4,017 |
Equity capital to assets | 15.0917% | 859 |
Core capital (leverage) ratio | 12.7487% | 1,306 |
Tier 1 risk-based capital ratio | 20.8370% | 1,369 |
Total risk-based capital ratio | 22.2139% | 1,319 |
Memoranda: | ||
Average total assets | $4,130,637,330 | 195 |
Average earning assets | $3,658,257,000 | 195 |
Average equity | $631,136,670 | 160 |
Average total loans | $2,630,518,670 | 198 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3347% | 7,083 |
Cost of funding earning assets | 0.4132% | 7,764 |
Net interest margin | 3.9215% | 3,237 |
Noninterest income to average assets | 0.1217% | 7,079 |
Noninterest expense to average assets | 2.7230% | 4,801 |
Loan and lease loss provision to assets | 5.0470% | 157 |
Net operating income to assets | -2.7136% | 7,596 |
Return on assets (ROA) | -2.7136% | 7,597 |
Pretax return on assets | -4.1843% | 7,703 |
Return on Equity (ROE) | -17.6550% | 7,388 |
Retained earnings to average equity (ytd only) | -17.6550% | 7,302 |
Net charge-offs to loans | 6.9813% | 139 |
Credit loss provision to net charge-offs | 112.5422% | 3,080 |
Earnings coverage of net charge-offs (x) | 0.1924% | 4,867 |
Efficiency ratio | 73.9353% | 3,587 |
Assets per employee ($millions) | 5.0863% | 2,114 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
Condition Ratios (%) | ||
Loss allowance to loans | 10.9915% | 18 |
Loan loss allowance to noncurrent loans | 96.2786% | 2,880 |
Noncurrent assets plus other real estate owned to assets | 8.4456% | 566 |
Noncurrent loans to loans | 11.4163% | 328 |
Net loans and leases to total assets | 56.4830% | 5,674 |
Net loans and leases to deposits | 67.1366% | 5,693 |
Net loans and leases to core deposits | 69.1261% | 5,990 |
Total domestic deposits to total assets | 84.1314% | 4,086 |
Equity capital to assets | 15.2477% | 823 |
Core capital (leverage) ratio | 12.8415% | 1,276 |
Tier 1 risk-based capital ratio | 20.4285% | 1,442 |
Total risk-based capital ratio | 21.8081% | 1,387 |
Memoranda: | ||
Average total assets | $4,178,096,500 | 199 |
Average earning assets | $3,690,610,000 | 199 |
Average equity | $642,176,500 | 157 |
Average total loans | $2,683,844,000 | 201 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8287% | 6,886 |
Cost of funding earning assets | 1.1704% | 6,764 |
Net interest margin | 3.6583% | 4,319 |
Noninterest income to average assets | 1.1553% | 1,155 |
Noninterest expense to average assets | 3.5907% | 2,167 |
Loan and lease loss provision to assets | 13.2877% | 5 |
Net operating income to assets | -8.0669% | 7,933 |
Return on assets (ROA) | -8.2982% | 7,939 |
Pretax return on assets | -12.7775% | 7,990 |
Return on Equity (ROE) | -60.3675% | 7,756 |
Retained earnings to average equity (ytd only) | -60.3675% | 7,752 |
Net charge-offs to loans | 12.1428% | 23 |
Credit loss provision to net charge-offs | 152.8941% | 2,996 |
Earnings coverage of net charge-offs (x) | 0.0996% | 6,056 |
Efficiency ratio | 79.1528% | 3,019 |
Assets per employee ($millions) | 5.1916% | 1,956 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
Condition Ratios (%) | ||
Loss allowance to loans | 10.1644% | 21 |
Loan loss allowance to noncurrent loans | 95.5923% | 2,926 |
Noncurrent assets plus other real estate owned to assets | 8.1730% | 535 |
Noncurrent loans to loans | 10.6330% | 366 |
Net loans and leases to total assets | 58.3867% | 5,597 |
Net loans and leases to deposits | 70.0978% | 5,593 |
Net loans and leases to core deposits | 77.3235% | 6,314 |
Total domestic deposits to total assets | 83.2931% | 4,387 |
Equity capital to assets | 15.4891% | 793 |
Core capital (leverage) ratio | 13.1045% | 1,223 |
Tier 1 risk-based capital ratio | 18.7075% | 1,716 |
Total risk-based capital ratio | 20.0685% | 1,656 |
Memoranda: | ||
Average total assets | $4,242,443,400 | 198 |
Average earning assets | $3,828,622,600 | 192 |
Average equity | $583,171,600 | 167 |
Average total loans | $3,036,385,800 | 192 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9631% | 6,726 |
Cost of funding earning assets | 1.3453% | 6,415 |
Net interest margin | 3.6179% | 4,418 |
Noninterest income to average assets | 1.3638% | 812 |
Noninterest expense to average assets | 3.7369% | 1,733 |
Loan and lease loss provision to assets | 15.1153% | 5 |
Net operating income to assets | -9.2268% | 8,034 |
Return on assets (ROA) | -9.2540% | 8,032 |
Pretax return on assets | -14.2467% | 8,076 |
Return on Equity (ROE) | -69.5207% | 7,931 |
Retained earnings to average equity (ytd only) | -69.5207% | 7,928 |
Net charge-offs to loans | 12.1268% | 30 |
Credit loss provision to net charge-offs | 170.2463% | 2,736 |
Earnings coverage of net charge-offs (x) | 0.1025% | 5,936 |
Efficiency ratio | 79.1328% | 2,973 |
Assets per employee ($millions) | 5.4506% | 1,665 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
Condition Ratios (%) | ||
Loss allowance to loans | 9.6125% | 18 |
Loan loss allowance to noncurrent loans | 76.4401% | 3,571 |
Noncurrent assets plus other real estate owned to assets | 9.8030% | 357 |
Noncurrent loans to loans | 12.5752% | 243 |
Net loans and leases to total assets | 59.7111% | 5,624 |
Net loans and leases to deposits | 70.4710% | 5,850 |
Net loans and leases to core deposits | 79.8521% | 6,363 |
Total domestic deposits to total assets | 84.7315% | 3,354 |
Equity capital to assets | 13.8038% | 1,375 |
Core capital (leverage) ratio | 12.7142% | 1,491 |
Tier 1 risk-based capital ratio | 18.0618% | 1,970 |
Total risk-based capital ratio | 19.4219% | 1,886 |
Memoranda: | ||
Average total assets | $4,243,974,250 | 207 |
Average earning assets | $3,851,665,500 | 202 |
Average equity | $564,922,500 | 173 |
Average total loans | $3,107,156,500 | 197 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1464% | 6,267 |
Cost of funding earning assets | 1.4577% | 6,299 |
Net interest margin | 3.6887% | 4,001 |
Noninterest income to average assets | 1.6430% | 547 |
Noninterest expense to average assets | 3.4625% | 2,451 |
Loan and lease loss provision to assets | 11.4892% | 21 |
Net operating income to assets | -6.4615% | 8,019 |
Return on assets (ROA) | -6.5033% | 8,014 |
Pretax return on assets | -10.0142% | 8,104 |
Return on Equity (ROE) | -49.5020% | 7,908 |
Retained earnings to average equity (ytd only) | -49.5020% | 7,904 |
Net charge-offs to loans | 9.6843% | 61 |
Credit loss provision to net charge-offs | 156.6458% | 2,938 |
Earnings coverage of net charge-offs (x) | 0.2099% | 5,462 |
Efficiency ratio | 68.2088% | 5,120 |
Assets per employee ($millions) | 5.3986% | 1,668 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
Condition Ratios (%) | ||
Loss allowance to loans | 5.3860% | 102 |
Loan loss allowance to noncurrent loans | 50.7442% | 4,977 |
Noncurrent assets plus other real estate owned to assets | 8.9409% | 383 |
Noncurrent loans to loans | 10.6141% | 310 |
Net loans and leases to total assets | 69.1736% | 3,907 |
Net loans and leases to deposits | 80.8861% | 4,408 |
Net loans and leases to core deposits | 94.9829% | 5,009 |
Total domestic deposits to total assets | 85.5198% | 3,009 |
Equity capital to assets | 13.3188% | 1,550 |
Core capital (leverage) ratio | 12.7436% | 1,523 |
Tier 1 risk-based capital ratio | 15.9751% | 2,636 |
Total risk-based capital ratio | 17.2742% | 2,556 |
Memoranda: | ||
Average total assets | $4,183,325,670 | 211 |
Average earning assets | $3,809,133,330 | 208 |
Average equity | $549,581,330 | 177 |
Average total loans | $3,168,269,000 | 199 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1479% | 6,496 |
Cost of funding earning assets | 1.5377% | 6,283 |
Net interest margin | 3.6102% | 4,275 |
Noninterest income to average assets | 0.6695% | 3,075 |
Noninterest expense to average assets | 3.3486% | 2,502 |
Loan and lease loss provision to assets | 8.6637% | 60 |
Net operating income to assets | -5.2276% | 8,052 |
Return on assets (ROA) | -5.2860% | 8,049 |
Pretax return on assets | -8.1376% | 8,118 |
Return on Equity (ROE) | -40.5283% | 7,997 |
Retained earnings to average equity (ytd only) | -40.5283% | 7,975 |
Net charge-offs to loans | 5.7111% | 173 |
Credit loss provision to net charge-offs | 196.7464% | 2,252 |
Earnings coverage of net charge-offs (x) | 0.1399% | 4,861 |
Efficiency ratio | 83.4112% | 2,371 |
Assets per employee ($millions) | 5.2971% | 1,747 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
Condition Ratios (%) | ||
Loss allowance to loans | 4.0024% | 221 |
Loan loss allowance to noncurrent loans | 38.8035% | 5,960 |
Noncurrent assets plus other real estate owned to assets | 8.7782% | 294 |
Noncurrent loans to loans | 10.3145% | 274 |
Net loans and leases to total assets | 72.4755% | 3,130 |
Net loans and leases to deposits | 84.4377% | 3,907 |
Net loans and leases to core deposits | 102.0522% | 4,340 |
Total domestic deposits to total assets | 85.8332% | 2,806 |
Equity capital to assets | 13.2970% | 1,615 |
Core capital (leverage) ratio | 13.3757% | 1,361 |
Tier 1 risk-based capital ratio | 15.7120% | 2,784 |
Total risk-based capital ratio | 16.9935% | 2,709 |
Memoranda: | ||
Average total assets | $4,123,629,500 | 215 |
Average earning assets | $3,763,647,000 | 209 |
Average equity | $537,836,000 | 176 |
Average total loans | $3,179,514,000 | 199 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.3230% | 3,837 |
Cost of funding earning assets | 1.9840% | 6,462 |
Net interest margin | 4.3390% | 1,861 |
Noninterest income to average assets | 0.7711% | 2,662 |
Noninterest expense to average assets | 3.6723% | 2,003 |
Loan and lease loss provision to assets | 2.4876% | 422 |
Net operating income to assets | -1.0993% | 7,289 |
Return on assets (ROA) | -1.1374% | 7,254 |
Pretax return on assets | -1.4758% | 7,242 |
Return on Equity (ROE) | -13.0458% | 7,495 |
Retained earnings to average equity (ytd only) | -13.0458% | 7,334 |
Net charge-offs to loans | 2.1778% | 477 |
Credit loss provision to net charge-offs | 140.0003% | 3,793 |
Earnings coverage of net charge-offs (x) | 0.5972% | 5,866 |
Efficiency ratio | 66.2471% | 5,075 |
Assets per employee ($millions) | 4.7075% | 2,312 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.5793% | 630 |
Loan loss allowance to noncurrent loans | 41.8387% | 5,937 |
Noncurrent assets plus other real estate owned to assets | 5.8193% | 530 |
Noncurrent loans to loans | 6.1650% | 562 |
Net loans and leases to total assets | 76.7291% | 2,444 |
Net loans and leases to deposits | 88.6620% | 3,693 |
Net loans and leases to core deposits | 108.7521% | 3,888 |
Total domestic deposits to total assets | 86.5411% | 2,159 |
Equity capital to assets | 12.7810% | 1,878 |
Core capital (leverage) ratio | 12.7501% | 1,643 |
Tier 1 risk-based capital ratio | 14.3120% | 3,388 |
Total risk-based capital ratio | 15.5773% | 3,305 |
Memoranda: | ||
Average total assets | $4,030,309,000 | 209 |
Average earning assets | $3,680,404,400 | 207 |
Average equity | $351,370,600 | 245 |
Average total loans | $3,288,284,600 | 189 |