Home > PCSB Commercial Bank > Performance and Condition Ratios
PCSB Commercial Bank, Performance and Condition Ratios
2018-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 1.6059% | 5,464 |
Cost of funding earning assets | 0.1788% | 5,100 |
Net interest margin | 1.4271% | 5,455 |
Noninterest income to average assets | 0.0000% | 5,427 |
Noninterest expense to average assets | 0.1365% | 5,474 |
Loan and lease loss provision to assets | 0.0000% | 3,948 |
Net operating income to assets | 0.9790% | 3,180 |
Return on assets (ROA) | 0.9790% | 3,192 |
Pretax return on assets | 1.2371% | 2,859 |
Return on Equity (ROE) | 5.5310% | 4,411 |
Retained earnings to average equity (ytd only) | 5.5310% | 2,936 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 9.9352% | 5,469 |
Assets per employee ($millions) | NA | NA |
Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
Noncurrent loans to loans | NA | NA |
Net loans and leases to total assets | 0.0000% | 5,450 |
Net loans and leases to deposits | 0.0000% | 5,450 |
Net loans and leases to core deposits | 0.0000% | 5,439 |
Total domestic deposits to total assets | 81.2323% | 3,807 |
Equity capital to assets | 17.8069% | 352 |
Core capital (leverage) ratio | 18.0945% | 322 |
Tier 1 risk-based capital ratio | 104.4955% | 38 |
Total risk-based capital ratio | 104.4955% | 38 |
Memoranda: | ||
Average total assets | $44,943,500 | 5,092 |
Average earning assets | $43,255,750 | 5,044 |
Average equity | $7,955,000 | 4,660 |
Average total loans | NA | NA |
2018-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 1.5190% | 5,525 |
Cost of funding earning assets | 0.1683% | 5,163 |
Net interest margin | 1.3507% | 5,521 |
Noninterest income to average assets | 0.0000% | 5,488 |
Noninterest expense to average assets | 0.1382% | 5,537 |
Loan and lease loss provision to assets | 0.0000% | 3,782 |
Net operating income to assets | 0.9093% | 3,420 |
Return on assets (ROA) | 0.9093% | 3,424 |
Pretax return on assets | 1.1500% | 3,132 |
Return on Equity (ROE) | 5.1478% | 4,506 |
Retained earnings to average equity (ytd only) | 5.1478% | 2,999 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 10.7266% | 5,533 |
Assets per employee ($millions) | NA | NA |
Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
Noncurrent loans to loans | NA | NA |
Net loans and leases to total assets | 0.0000% | 5,515 |
Net loans and leases to deposits | 0.0000% | 5,515 |
Net loans and leases to core deposits | 0.0000% | 5,504 |
Total domestic deposits to total assets | 82.3758% | 3,603 |
Equity capital to assets | 16.7703% | 423 |
Core capital (leverage) ratio | 16.8900% | 408 |
Tier 1 risk-based capital ratio | 94.2934% | 47 |
Total risk-based capital ratio | 94.2934% | 47 |
Memoranda: | ||
Average total assets | $44,868,670 | 5,155 |
Average earning assets | $42,791,330 | 5,111 |
Average equity | $7,925,670 | 4,708 |
Average total loans | NA | NA |
2018-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 1.4045% | 5,596 |
Cost of funding earning assets | 0.1375% | 5,326 |
Net interest margin | 1.2670% | 5,592 |
Noninterest income to average assets | 0.0000% | 5,557 |
Noninterest expense to average assets | 0.1468% | 5,602 |
Loan and lease loss provision to assets | 0.0000% | 3,508 |
Net operating income to assets | 0.8167% | 3,638 |
Return on assets (ROA) | 0.8167% | 3,649 |
Pretax return on assets | 1.0370% | 3,403 |
Return on Equity (ROE) | 4.4998% | 4,633 |
Retained earnings to average equity (ytd only) | 4.4998% | 3,398 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 12.4031% | 5,597 |
Assets per employee ($millions) | NA | NA |
Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
Noncurrent loans to loans | NA | NA |
Net loans and leases to total assets | 0.0000% | 5,578 |
Net loans and leases to deposits | 0.0000% | 5,578 |
Net loans and leases to core deposits | 0.0000% | 5,567 |
Total domestic deposits to total assets | 81.7548% | 4,030 |
Equity capital to assets | 17.3286% | 372 |
Core capital (leverage) ratio | 18.2951% | 295 |
Tier 1 risk-based capital ratio | 97.5012% | 44 |
Total risk-based capital ratio | 97.5012% | 44 |
Memoranda: | ||
Average total assets | $43,588,500 | 5,233 |
Average earning assets | $40,727,000 | 5,213 |
Average equity | $7,911,500 | 4,761 |
Average total loans | NA | NA |
2017-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 1.1678% | 5,648 |
Cost of funding earning assets | 0.1132% | 5,442 |
Net interest margin | 1.0545% | 5,646 |
Noninterest income to average assets | 0.0000% | 5,617 |
Noninterest expense to average assets | 0.1649% | 5,662 |
Loan and lease loss provision to assets | 0.0000% | 4,227 |
Net operating income to assets | 0.4518% | 4,529 |
Return on assets (ROA) | 0.4518% | 4,560 |
Pretax return on assets | 0.8448% | 4,109 |
Return on Equity (ROE) | 2.5217% | 4,942 |
Retained earnings to average equity (ytd only) | 2.5217% | 3,816 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 16.3311% | 5,652 |
Assets per employee ($millions) | NA | NA |
Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
Noncurrent loans to loans | NA | NA |
Net loans and leases to total assets | 0.0000% | 5,643 |
Net loans and leases to deposits | 0.0000% | 5,643 |
Net loans and leases to core deposits | 0.0000% | 5,632 |
Total domestic deposits to total assets | 80.0168% | 4,334 |
Equity capital to assets | 19.0475% | 249 |
Core capital (leverage) ratio | 19.3995% | 218 |
Tier 1 risk-based capital ratio | 99.3118% | 42 |
Total risk-based capital ratio | 99.3118% | 44 |
Memoranda: | ||
Average total assets | $44,269,600 | 5,268 |
Average earning assets | $42,389,200 | 5,221 |
Average equity | $7,931,200 | 4,792 |
Average total loans | NA | NA |
2017-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 1.1296% | 5,723 |
Cost of funding earning assets | 0.1105% | 5,519 |
Net interest margin | 1.0191% | 5,718 |
Noninterest income to average assets | 0.0000% | 5,683 |
Noninterest expense to average assets | 0.1751% | 5,732 |
Loan and lease loss provision to assets | 0.0000% | 4,088 |
Net operating income to assets | 0.5343% | 4,638 |
Return on assets (ROA) | 0.5343% | 4,670 |
Pretax return on assets | 0.8104% | 4,323 |
Return on Equity (ROE) | 3.0266% | 5,104 |
Retained earnings to average equity (ytd only) | 3.0266% | 4,107 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 17.7711% | 5,720 |
Assets per employee ($millions) | NA | NA |
Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
Noncurrent loans to loans | NA | NA |
Net loans and leases to total assets | 0.0000% | 5,709 |
Net loans and leases to deposits | 0.0000% | 5,709 |
Net loans and leases to core deposits | 0.0000% | 5,698 |
Total domestic deposits to total assets | 80.9826% | 4,051 |
Equity capital to assets | 18.2069% | 317 |
Core capital (leverage) ratio | 18.1715% | 297 |
Tier 1 risk-based capital ratio | 71.5087% | 61 |
Total risk-based capital ratio | 71.5087% | 62 |
Memoranda: | ||
Average total assets | $44,917,000 | 5,308 |
Average earning assets | $43,435,250 | 5,257 |
Average equity | $7,929,250 | 4,843 |
Average total loans | NA | NA |
2017-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 1.0915% | 5,772 |
Cost of funding earning assets | 0.1087% | 5,563 |
Net interest margin | 0.9828% | 5,771 |
Noninterest income to average assets | 0.0000% | 5,731 |
Noninterest expense to average assets | 0.1904% | 5,782 |
Loan and lease loss provision to assets | 0.0000% | 3,871 |
Net operating income to assets | 0.5092% | 4,679 |
Return on assets (ROA) | 0.5092% | 4,717 |
Pretax return on assets | 0.7705% | 4,371 |
Return on Equity (ROE) | 2.9145% | 5,149 |
Retained earnings to average equity (ytd only) | 2.9145% | 3,980 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 19.8157% | 5,767 |
Assets per employee ($millions) | NA | NA |
Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
Noncurrent loans to loans | NA | NA |
Net loans and leases to total assets | 0.0000% | 5,758 |
Net loans and leases to deposits | 0.0000% | 5,758 |
Net loans and leases to core deposits | 0.0000% | 5,747 |
Total domestic deposits to total assets | 82.4326% | 3,756 |
Equity capital to assets | 16.8884% | 418 |
Core capital (leverage) ratio | 16.9573% | 373 |
Tier 1 risk-based capital ratio | 72.9601% | 58 |
Total risk-based capital ratio | 72.9601% | 58 |
Memoranda: | ||
Average total assets | $45,166,000 | 5,340 |
Average earning assets | $44,157,670 | 5,286 |
Average equity | $7,891,670 | 4,872 |
Average total loans | NA | NA |
2017-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 1.0334% | 5,840 |
Cost of funding earning assets | 0.1024% | 5,641 |
Net interest margin | 0.9310% | 5,841 |
Noninterest income to average assets | 0.0000% | 5,808 |
Noninterest expense to average assets | 0.1995% | 5,850 |
Loan and lease loss provision to assets | 0.0000% | 3,537 |
Net operating income to assets | 0.4625% | 4,730 |
Return on assets (ROA) | 0.4625% | 4,753 |
Pretax return on assets | 0.7073% | 4,430 |
Return on Equity (ROE) | 2.6002% | 5,206 |
Retained earnings to average equity (ytd only) | 2.6002% | 4,100 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 22.0000% | 5,831 |
Assets per employee ($millions) | NA | NA |
Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
Noncurrent loans to loans | NA | NA |
Net loans and leases to total assets | 0.0000% | 5,827 |
Net loans and leases to deposits | 0.0000% | 5,825 |
Net loans and leases to core deposits | 0.0000% | 5,814 |
Total domestic deposits to total assets | 82.1991% | 4,109 |
Equity capital to assets | 17.1890% | 367 |
Core capital (leverage) ratio | 17.1074% | 357 |
Tier 1 risk-based capital ratio | 78.8043% | 52 |
Total risk-based capital ratio | 78.8043% | 52 |
Memoranda: | ||
Average total assets | $44,111,500 | 5,418 |
Average earning assets | $42,966,500 | 5,371 |
Average equity | $7,845,500 | 4,925 |
Average total loans | NA | NA |
2016-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 0.9516% | 5,885 |
Cost of funding earning assets | 0.1179% | 5,619 |
Net interest margin | 0.8337% | 5,886 |
Noninterest income to average assets | 0.0000% | 5,853 |
Noninterest expense to average assets | 0.1855% | 5,907 |
Loan and lease loss provision to assets | 0.0000% | 4,332 |
Net operating income to assets | 0.4199% | 4,876 |
Return on assets (ROA) | 0.4199% | 4,958 |
Pretax return on assets | 0.6360% | 4,689 |
Return on Equity (ROE) | 2.6262% | 5,262 |
Retained earnings to average equity (ytd only) | 2.6262% | 4,025 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 22.5806% | 5,892 |
Assets per employee ($millions) | NA | NA |
Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
Noncurrent loans to loans | NA | NA |
Net loans and leases to total assets | 0.0000% | 5,884 |
Net loans and leases to deposits | 0.0000% | 5,883 |
Net loans and leases to core deposits | 0.0000% | 5,872 |
Total domestic deposits to total assets | 73.8914% | 5,449 |
Equity capital to assets | 18.4332% | 280 |
Core capital (leverage) ratio | 16.7187% | 379 |
Tier 1 risk-based capital ratio | 105.7116% | 39 |
Total risk-based capital ratio | 105.7116% | 39 |
Memoranda: | ||
Average total assets | $49,056,400 | 5,368 |
Average earning assets | $48,340,800 | 5,280 |
Average equity | $7,844,000 | 4,960 |
Average total loans | NA | NA |
2016-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 0.9333% | 5,954 |
Cost of funding earning assets | 0.1167% | 5,691 |
Net interest margin | 0.8166% | 5,955 |
Noninterest income to average assets | 0.0000% | 5,922 |
Noninterest expense to average assets | 0.1760% | 5,974 |
Loan and lease loss provision to assets | 0.0000% | 4,186 |
Net operating income to assets | 0.4178% | 4,967 |
Return on assets (ROA) | 0.4178% | 5,055 |
Pretax return on assets | 0.6332% | 4,791 |
Return on Equity (ROE) | 2.6986% | 5,298 |
Retained earnings to average equity (ytd only) | 2.6986% | 4,280 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 21.7532% | 5,961 |
Assets per employee ($millions) | NA | NA |
Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
Noncurrent loans to loans | NA | NA |
Net loans and leases to total assets | 0.0000% | 5,950 |
Net loans and leases to deposits | 0.0000% | 5,950 |
Net loans and leases to core deposits | 0.0000% | 5,939 |
Total domestic deposits to total assets | 84.3208% | 3,091 |
Equity capital to assets | 15.1489% | 703 |
Core capital (leverage) ratio | 14.2352% | 785 |
Tier 1 risk-based capital ratio | 96.2500% | 41 |
Total risk-based capital ratio | 96.2500% | 42 |
Memoranda: | ||
Average total assets | $50,744,500 | 5,383 |
Average earning assets | $50,287,750 | 5,291 |
Average equity | $7,855,500 | 5,013 |
Average total loans | NA | NA |
2016-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 0.9470% | 6,033 |
Cost of funding earning assets | 0.1128% | 5,791 |
Net interest margin | 0.8342% | 6,036 |
Noninterest income to average assets | 0.0000% | 5,999 |
Noninterest expense to average assets | 0.1796% | 6,052 |
Loan and lease loss provision to assets | 0.0000% | 4,017 |
Net operating income to assets | 0.4270% | 4,951 |
Return on assets (ROA) | 0.4270% | 5,041 |
Pretax return on assets | 0.6464% | 4,769 |
Return on Equity (ROE) | 2.7375% | 5,320 |
Retained earnings to average equity (ytd only) | 2.7375% | 4,165 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 21.7391% | 6,036 |
Assets per employee ($millions) | NA | NA |
Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
Noncurrent loans to loans | NA | NA |
Net loans and leases to total assets | 0.0000% | 6,029 |
Net loans and leases to deposits | 0.0000% | 6,029 |
Net loans and leases to core deposits | 0.0000% | 6,018 |
Total domestic deposits to total assets | 85.8454% | 2,493 |
Equity capital to assets | 13.7294% | 1,129 |
Core capital (leverage) ratio | 14.0378% | 814 |
Tier 1 risk-based capital ratio | 96.7100% | 43 |
Total risk-based capital ratio | 96.7100% | 44 |
Memoranda: | ||
Average total assets | $50,122,330 | 5,457 |
Average earning assets | $49,629,670 | 5,359 |
Average equity | $7,817,330 | 5,061 |
Average total loans | NA | NA |
2016-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 1.0296% | 6,098 |
Cost of funding earning assets | 0.1047% | 5,896 |
Net interest margin | 0.9249% | 6,097 |
Noninterest income to average assets | 0.0000% | 6,066 |
Noninterest expense to average assets | 0.2070% | 6,115 |
Loan and lease loss provision to assets | 0.0000% | 3,656 |
Net operating income to assets | 0.4658% | 4,756 |
Return on assets (ROA) | 0.4658% | 4,846 |
Pretax return on assets | 0.7074% | 4,500 |
Return on Equity (ROE) | 2.7799% | 5,305 |
Retained earnings to average equity (ytd only) | 2.7799% | 4,123 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 22.6415% | 6,099 |
Assets per employee ($millions) | NA | NA |
Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
Noncurrent loans to loans | NA | NA |
Net loans and leases to total assets | 0.0000% | 6,091 |
Net loans and leases to deposits | 0.0000% | 6,091 |
Net loans and leases to core deposits | 0.0000% | 6,080 |
Total domestic deposits to total assets | 84.8224% | 3,196 |
Equity capital to assets | 14.8033% | 740 |
Core capital (leverage) ratio | 16.2762% | 438 |
Tier 1 risk-based capital ratio | 104.2893% | 42 |
Total risk-based capital ratio | 104.2893% | 42 |
Memoranda: | ||
Average total assets | $46,369,500 | 5,586 |
Average earning assets | $45,841,000 | 5,495 |
Average equity | $7,770,000 | 5,093 |
Average total loans | NA | NA |
2015-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 0.8459% | 6,150 |
Cost of funding earning assets | 0.1176% | 5,889 |
Net interest margin | 0.7283% | 6,152 |
Noninterest income to average assets | 0.0000% | 6,104 |
Noninterest expense to average assets | 0.2102% | 6,175 |
Loan and lease loss provision to assets | 0.0000% | 4,380 |
Net operating income to assets | 0.3363% | 5,253 |
Return on assets (ROA) | 0.3363% | 5,340 |
Pretax return on assets | 0.5093% | 5,087 |
Return on Equity (ROE) | 1.7704% | 5,631 |
Retained earnings to average equity (ytd only) | 1.7704% | 4,724 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 29.2096% | 6,142 |
Assets per employee ($millions) | NA | NA |
Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
Noncurrent loans to loans | NA | NA |
Net loans and leases to total assets | 0.0000% | 6,149 |
Net loans and leases to deposits | 0.0000% | 6,149 |
Net loans and leases to core deposits | 0.0000% | 6,137 |
Total domestic deposits to total assets | 77.7552% | 5,210 |
Equity capital to assets | 19.3491% | 238 |
Core capital (leverage) ratio | 17.0885% | 357 |
Tier 1 risk-based capital ratio | 105.6046% | 41 |
Total risk-based capital ratio | 105.6046% | 41 |
Memoranda: | ||
Average total assets | $40,445,400 | 5,756 |
Average earning assets | $39,957,800 | 5,678 |
Average equity | $7,681,800 | 5,118 |
Average total loans | NA | NA |
2015-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 0.7773% | 6,245 |
Cost of funding earning assets | 0.1163% | 5,993 |
Net interest margin | 0.6611% | 6,244 |
Noninterest income to average assets | 0.0000% | 6,192 |
Noninterest expense to average assets | 0.2036% | 6,264 |
Loan and lease loss provision to assets | 0.0000% | 4,232 |
Net operating income to assets | 0.2956% | 5,461 |
Return on assets (ROA) | 0.2956% | 5,543 |
Pretax return on assets | 0.4500% | 5,348 |
Return on Equity (ROE) | 1.5636% | 5,763 |
Retained earnings to average equity (ytd only) | 1.5636% | 5,083 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 31.1558% | 6,219 |
Assets per employee ($millions) | NA | NA |
Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
Noncurrent loans to loans | NA | NA |
Net loans and leases to total assets | 0.0000% | 6,236 |
Net loans and leases to deposits | 0.0000% | 6,236 |
Net loans and leases to core deposits | 0.0000% | 6,224 |
Total domestic deposits to total assets | 82.6465% | 3,942 |
Equity capital to assets | 16.9969% | 431 |
Core capital (leverage) ratio | 17.4630% | 336 |
Tier 1 risk-based capital ratio | 100.9407% | 43 |
Total risk-based capital ratio | 100.9407% | 43 |
Memoranda: | ||
Average total assets | $40,593,750 | 5,829 |
Average earning assets | $40,137,250 | 5,747 |
Average equity | $7,674,500 | 5,186 |
Average total loans | NA | NA |
2015-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 0.7439% | 6,323 |
Cost of funding earning assets | 0.1144% | 6,069 |
Net interest margin | 0.6295% | 6,325 |
Noninterest income to average assets | 0.0000% | 6,260 |
Noninterest expense to average assets | 0.2212% | 6,340 |
Loan and lease loss provision to assets | 0.0000% | 4,069 |
Net operating income to assets | 0.2675% | 5,535 |
Return on assets (ROA) | 0.2675% | 5,620 |
Pretax return on assets | 0.4012% | 5,464 |
Return on Equity (ROE) | 1.3608% | 5,822 |
Retained earnings to average equity (ytd only) | 1.3608% | 5,004 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 35.5372% | 6,261 |
Assets per employee ($millions) | NA | NA |
Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
Noncurrent loans to loans | NA | NA |
Net loans and leases to total assets | 0.0000% | 6,313 |
Net loans and leases to deposits | 0.0000% | 6,313 |
Net loans and leases to core deposits | 0.0000% | 6,300 |
Total domestic deposits to total assets | 81.9145% | 4,315 |
Equity capital to assets | 17.8462% | 350 |
Core capital (leverage) ratio | 18.8982% | 240 |
Tier 1 risk-based capital ratio | 117.5363% | 40 |
Total risk-based capital ratio | 117.5363% | 40 |
Memoranda: | ||
Average total assets | $38,885,000 | 5,927 |
Average earning assets | $38,445,330 | 5,851 |
Average equity | $7,642,330 | 5,232 |
Average total loans | NA | NA |
2015-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 0.6915% | 6,398 |
Cost of funding earning assets | 0.1098% | 6,161 |
Net interest margin | 0.5817% | 6,398 |
Noninterest income to average assets | 0.0000% | 6,328 |
Noninterest expense to average assets | 0.2499% | 6,413 |
Loan and lease loss provision to assets | 0.0000% | 3,703 |
Net operating income to assets | 0.2173% | 5,638 |
Return on assets (ROA) | 0.2173% | 5,729 |
Pretax return on assets | 0.3260% | 5,584 |
Return on Equity (ROE) | 1.0495% | 5,901 |
Retained earnings to average equity (ytd only) | 1.0495% | 5,057 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 43.3962% | 6,199 |
Assets per employee ($millions) | NA | NA |
Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
Noncurrent loans to loans | NA | NA |
Net loans and leases to total assets | 0.0000% | 6,384 |
Net loans and leases to deposits | 0.0000% | 6,384 |
Net loans and leases to core deposits | 0.0000% | 6,371 |
Total domestic deposits to total assets | 79.8673% | 5,079 |
Equity capital to assets | 19.8487% | 235 |
Core capital (leverage) ratio | 20.8723% | 176 |
Tier 1 risk-based capital ratio | 135.2110% | 39 |
Total risk-based capital ratio | 135.2110% | 39 |
Memoranda: | ||
Average total assets | $36,807,500 | 6,033 |
Average earning assets | $36,442,000 | 5,952 |
Average equity | $7,623,000 | 5,280 |
Average total loans | NA | NA |
2014-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 0.5249% | 6,488 |
Cost of funding earning assets | 0.1113% | 6,296 |
Net interest margin | 0.4137% | 6,491 |
Noninterest income to average assets | 0.0000% | 6,390 |
Noninterest expense to average assets | 0.2290% | 6,501 |
Loan and lease loss provision to assets | 0.0000% | 4,603 |
Net operating income to assets | 0.1102% | 5,942 |
Return on assets (ROA) | 0.1102% | 5,976 |
Pretax return on assets | 0.1809% | 5,901 |
Return on Equity (ROE) | 0.5169% | 6,033 |
Retained earnings to average equity (ytd only) | 0.5169% | 5,539 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 55.8621% | 5,677 |
Assets per employee ($millions) | NA | NA |
Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
Noncurrent loans to loans | NA | NA |
Net loans and leases to total assets | 0.0000% | 6,475 |
Net loans and leases to deposits | 0.0000% | 6,475 |
Net loans and leases to core deposits | 0.0000% | 6,462 |
Total domestic deposits to total assets | 78.1429% | 5,412 |
Equity capital to assets | 21.6678% | 166 |
Core capital (leverage) ratio | 20.8731% | 178 |
Tier 1 risk-based capital ratio | 96.2926% | 46 |
Total risk-based capital ratio | 96.2926% | 47 |
Memoranda: | ||
Average total assets | $35,375,200 | 6,150 |
Average earning assets | $35,051,800 | 6,062 |
Average equity | $7,544,800 | 5,300 |
Average total loans | NA | NA |
2014-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 0.4886% | 6,571 |
Cost of funding earning assets | 0.1098% | 6,380 |
Net interest margin | 0.3787% | 6,574 |
Noninterest income to average assets | 0.0000% | 6,477 |
Noninterest expense to average assets | 0.2291% | 6,583 |
Loan and lease loss provision to assets | 0.0000% | 4,401 |
Net operating income to assets | 0.0901% | 6,042 |
Return on assets (ROA) | 0.0901% | 6,065 |
Pretax return on assets | 0.1465% | 6,015 |
Return on Equity (ROE) | 0.4243% | 6,114 |
Retained earnings to average equity (ytd only) | 0.4243% | 5,684 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 61.0000% | 5,038 |
Assets per employee ($millions) | NA | NA |
Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
Noncurrent loans to loans | NA | NA |
Net loans and leases to total assets | 0.0000% | 6,554 |
Net loans and leases to deposits | 0.0000% | 6,554 |
Net loans and leases to core deposits | 0.0000% | 6,541 |
Total domestic deposits to total assets | 78.8930% | 5,352 |
Equity capital to assets | 20.9654% | 190 |
Core capital (leverage) ratio | 20.8326% | 178 |
Tier 1 risk-based capital ratio | 173.9954% | 32 |
Total risk-based capital ratio | 173.9954% | 32 |
Memoranda: | ||
Average total assets | $35,501,000 | 6,217 |
Average earning assets | $35,205,250 | 6,132 |
Average equity | $7,542,000 | 5,347 |
Average total loans | NA | NA |
2014-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 0.4905% | 6,635 |
Cost of funding earning assets | 0.1084% | 6,452 |
Net interest margin | 0.3822% | 6,639 |
Noninterest income to average assets | 0.0000% | 6,545 |
Noninterest expense to average assets | 0.2208% | 6,647 |
Loan and lease loss provision to assets | 0.0000% | 4,196 |
Net operating income to assets | 0.0962% | 6,052 |
Return on assets (ROA) | 0.0962% | 6,083 |
Pretax return on assets | 0.1585% | 6,010 |
Return on Equity (ROE) | 0.4509% | 6,159 |
Retained earnings to average equity (ytd only) | 0.4509% | 5,565 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 58.2090% | 5,529 |
Assets per employee ($millions) | NA | NA |
Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
Noncurrent loans to loans | NA | NA |
Net loans and leases to total assets | 0.0000% | 6,622 |
Net loans and leases to deposits | 0.0000% | 6,622 |
Net loans and leases to core deposits | 0.0000% | 6,609 |
Total domestic deposits to total assets | 79.1989% | 5,413 |
Equity capital to assets | 20.6836% | 191 |
Core capital (leverage) ratio | 21.3140% | 152 |
Tier 1 risk-based capital ratio | 177.6067% | 30 |
Total risk-based capital ratio | 177.6067% | 30 |
Memoranda: | ||
Average total assets | $35,332,330 | 6,283 |
Average earning assets | $35,063,330 | 6,191 |
Average equity | $7,539,670 | 5,376 |
Average total loans | NA | NA |
2014-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 0.5116% | 6,711 |
Cost of funding earning assets | 0.1046% | 6,551 |
Net interest margin | 0.4070% | 6,713 |
Noninterest income to average assets | 0.0000% | 6,595 |
Noninterest expense to average assets | 0.2075% | 6,725 |
Loan and lease loss provision to assets | 0.0000% | 3,817 |
Net operating income to assets | 0.1153% | 5,996 |
Return on assets (ROA) | 0.1153% | 6,027 |
Pretax return on assets | 0.1960% | 5,925 |
Return on Equity (ROE) | 0.5316% | 6,133 |
Retained earnings to average equity (ytd only) | 0.5316% | 5,370 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 51.4286% | 6,167 |
Assets per employee ($millions) | NA | NA |
Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
Noncurrent loans to loans | NA | NA |
Net loans and leases to total assets | 0.0000% | 6,692 |
Net loans and leases to deposits | 0.0000% | 6,692 |
Net loans and leases to core deposits | 0.0000% | 6,679 |
Total domestic deposits to total assets | 78.4557% | 5,763 |
Equity capital to assets | 21.4446% | 159 |
Core capital (leverage) ratio | 22.2965% | 130 |
Tier 1 risk-based capital ratio | 180.8845% | 34 |
Total risk-based capital ratio | 180.8845% | 34 |
Memoranda: | ||
Average total assets | $34,699,000 | 6,359 |
Average earning assets | $34,402,000 | 6,275 |
Average equity | $7,524,500 | 5,414 |
Average total loans | NA | NA |
2013-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 0.5490% | 6,786 |
Cost of funding earning assets | 0.1340% | 6,595 |
Net interest margin | 0.4151% | 6,788 |
Noninterest income to average assets | 0.0000% | 6,646 |
Noninterest expense to average assets | 0.2112% | 6,802 |
Loan and lease loss provision to assets | 0.0000% | 5,091 |
Net operating income to assets | 0.1200% | 6,001 |
Return on assets (ROA) | 0.1200% | 6,063 |
Pretax return on assets | 0.2008% | 5,932 |
Return on Equity (ROE) | 0.6109% | 6,148 |
Retained earnings to average equity (ytd only) | 0.6109% | 5,562 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 51.2658% | 6,348 |
Assets per employee ($millions) | NA | NA |
Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
Noncurrent loans to loans | NA | NA |
Net loans and leases to total assets | 0.0000% | 6,772 |
Net loans and leases to deposits | 0.0000% | 6,772 |
Net loans and leases to core deposits | 0.0000% | 6,760 |
Total domestic deposits to total assets | 77.9927% | 5,829 |
Equity capital to assets | 21.9314% | 144 |
Core capital (leverage) ratio | 20.4160% | 179 |
Tier 1 risk-based capital ratio | 150.6344% | 37 |
Total risk-based capital ratio | 150.6344% | 37 |
Memoranda: | ||
Average total assets | $38,348,400 | 6,335 |
Average earning assets | $38,066,800 | 6,218 |
Average equity | $7,530,000 | 5,453 |
Average total loans | NA | NA |
2013-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 0.5559% | 6,865 |
Cost of funding earning assets | 0.1364% | 6,683 |
Net interest margin | 0.4195% | 6,866 |
Noninterest income to average assets | 0.0000% | 6,739 |
Noninterest expense to average assets | 0.2100% | 6,882 |
Loan and lease loss provision to assets | 0.0000% | 4,941 |
Net operating income to assets | 0.1253% | 6,088 |
Return on assets (ROA) | 0.1253% | 6,155 |
Pretax return on assets | 0.2066% | 6,029 |
Return on Equity (ROE) | 0.6548% | 6,240 |
Retained earnings to average equity (ytd only) | 0.6548% | 5,707 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 50.4065% | 6,374 |
Assets per employee ($millions) | NA | NA |
Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
Noncurrent loans to loans | NA | NA |
Net loans and leases to total assets | 0.0000% | 6,855 |
Net loans and leases to deposits | 0.0000% | 6,854 |
Net loans and leases to core deposits | 0.0000% | 6,842 |
Total domestic deposits to total assets | 80.7842% | 5,274 |
Equity capital to assets | 19.1699% | 244 |
Core capital (leverage) ratio | 18.3569% | 279 |
Tier 1 risk-based capital ratio | 151.1554% | 35 |
Total risk-based capital ratio | 151.1554% | 35 |
Memoranda: | ||
Average total assets | $39,366,750 | 6,375 |
Average earning assets | $39,092,750 | 6,264 |
Average equity | $7,533,250 | 5,511 |
Average total loans | NA | NA |
2013-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 0.5720% | 6,916 |
Cost of funding earning assets | 0.1481% | 6,718 |
Net interest margin | 0.4239% | 6,917 |
Noninterest income to average assets | 0.0000% | 6,784 |
Noninterest expense to average assets | 0.2029% | 6,932 |
Loan and lease loss provision to assets | 0.0000% | 4,788 |
Net operating income to assets | 0.1319% | 6,058 |
Return on assets (ROA) | 0.1319% | 6,163 |
Pretax return on assets | 0.2181% | 6,053 |
Return on Equity (ROE) | 0.6896% | 6,276 |
Retained earnings to average equity (ytd only) | 0.6896% | 5,625 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 48.1928% | 6,524 |
Assets per employee ($millions) | NA | NA |
Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
Noncurrent loans to loans | NA | NA |
Net loans and leases to total assets | 0.0000% | 6,904 |
Net loans and leases to deposits | 0.0000% | 6,904 |
Net loans and leases to core deposits | 0.0000% | 6,892 |
Total domestic deposits to total assets | 82.4911% | 4,885 |
Equity capital to assets | 17.4901% | 368 |
Core capital (leverage) ratio | 17.5515% | 320 |
Tier 1 risk-based capital ratio | 136.4733% | 35 |
Total risk-based capital ratio | 136.4733% | 36 |
Memoranda: | ||
Average total assets | $39,430,330 | 6,421 |
Average earning assets | $39,162,670 | 6,308 |
Average equity | $7,541,000 | 5,548 |
Average total loans | NA | NA |
2013-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 0.6065% | 6,994 |
Cost of funding earning assets | 0.1596% | 6,768 |
Net interest margin | 0.4469% | 6,995 |
Noninterest income to average assets | 0.0000% | 6,849 |
Noninterest expense to average assets | 0.2114% | 7,011 |
Loan and lease loss provision to assets | 0.0000% | 4,409 |
Net operating income to assets | 0.1374% | 6,075 |
Return on assets (ROA) | 0.1374% | 6,171 |
Pretax return on assets | 0.2325% | 6,015 |
Return on Equity (ROE) | 0.6855% | 6,281 |
Retained earnings to average equity (ytd only) | 0.6855% | 5,548 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 47.6190% | 6,626 |
Assets per employee ($millions) | NA | NA |
Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
Noncurrent loans to loans | NA | NA |
Net loans and leases to total assets | 0.0000% | 6,982 |
Net loans and leases to deposits | 0.0000% | 6,982 |
Net loans and leases to core deposits | 0.0000% | 6,969 |
Total domestic deposits to total assets | 82.8355% | 4,908 |
Equity capital to assets | 17.0856% | 418 |
Core capital (leverage) ratio | 19.5331% | 215 |
Tier 1 risk-based capital ratio | 130.6390% | 36 |
Total risk-based capital ratio | 130.6390% | 37 |
Memoranda: | ||
Average total assets | $37,842,000 | 6,524 |
Average earning assets | $37,592,500 | 6,419 |
Average equity | $7,585,500 | 5,608 |
Average total loans | NA | NA |
2012-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 0.7151% | 7,046 |
Cost of funding earning assets | 0.2088% | 6,813 |
Net interest margin | 0.5063% | 7,048 |
Noninterest income to average assets | 0.0000% | 6,818 |
Noninterest expense to average assets | 0.2270% | 7,070 |
Loan and lease loss provision to assets | 0.0000% | 5,905 |
Net operating income to assets | 0.1646% | 5,856 |
Return on assets (ROA) | 0.1646% | 6,026 |
Pretax return on assets | 0.2752% | 5,868 |
Return on Equity (ROE) | 0.7665% | 6,176 |
Retained earnings to average equity (ytd only) | 0.7665% | 5,479 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 45.1977% | 6,812 |
Assets per employee ($millions) | NA | NA |
Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
Noncurrent loans to loans | NA | NA |
Net loans and leases to total assets | 0.0000% | 7,047 |
Net loans and leases to deposits | 0.0000% | 7,047 |
Net loans and leases to core deposits | 0.0000% | 7,034 |
Total domestic deposits to total assets | 75.6472% | 6,396 |
Equity capital to assets | 24.2442% | 106 |
Core capital (leverage) ratio | 20.2793% | 183 |
Tier 1 risk-based capital ratio | 134.0970% | 39 |
Total risk-based capital ratio | 134.0970% | 40 |
Memoranda: | ||
Average total assets | $35,245,400 | 6,623 |
Average earning assets | $34,960,600 | 6,533 |
Average equity | $7,566,800 | 5,618 |
Average total loans | NA | NA |
2012-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 0.7126% | 7,161 |
Cost of funding earning assets | 0.2264% | 6,884 |
Net interest margin | 0.4862% | 7,163 |
Noninterest income to average assets | 0.0000% | 6,935 |
Noninterest expense to average assets | 0.2208% | 7,176 |
Loan and lease loss provision to assets | 0.0000% | 5,790 |
Net operating income to assets | 0.1582% | 6,012 |
Return on assets (ROA) | 0.1582% | 6,168 |
Pretax return on assets | 0.2612% | 6,019 |
Return on Equity (ROE) | 0.7581% | 6,292 |
Retained earnings to average equity (ytd only) | 0.7581% | 5,852 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 45.8015% | 6,826 |
Assets per employee ($millions) | NA | NA |
Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
Noncurrent loans to loans | NA | NA |
Net loans and leases to total assets | 0.0000% | 7,148 |
Net loans and leases to deposits | 0.0000% | 7,147 |
Net loans and leases to core deposits | 0.0000% | 7,135 |
Total domestic deposits to total assets | 79.2165% | 5,823 |
Equity capital to assets | 20.5882% | 219 |
Core capital (leverage) ratio | 19.6942% | 223 |
Tier 1 risk-based capital ratio | 103.5170% | 52 |
Total risk-based capital ratio | 103.5170% | 52 |
Memoranda: | ||
Average total assets | $36,234,250 | 6,684 |
Average earning assets | $35,925,500 | 6,585 |
Average equity | $7,562,000 | 5,678 |
Average total loans | NA | NA |
2012-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 0.7224% | 7,222 |
Cost of funding earning assets | 0.2408% | 6,940 |
Net interest margin | 0.4816% | 7,226 |
Noninterest income to average assets | 0.0000% | 6,985 |
Noninterest expense to average assets | 0.2276% | 7,237 |
Loan and lease loss provision to assets | 0.0000% | 5,619 |
Net operating income to assets | 0.1499% | 6,040 |
Return on assets (ROA) | 0.1499% | 6,209 |
Pretax return on assets | 0.2498% | 6,059 |
Return on Equity (ROE) | 0.7149% | 6,350 |
Retained earnings to average equity (ytd only) | 0.7149% | 5,775 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 47.6744% | 6,797 |
Assets per employee ($millions) | NA | NA |
Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
Noncurrent loans to loans | NA | NA |
Net loans and leases to total assets | 0.0000% | 7,209 |
Net loans and leases to deposits | 0.0000% | 7,209 |
Net loans and leases to core deposits | 0.0000% | 7,197 |
Total domestic deposits to total assets | 80.7351% | 5,547 |
Equity capital to assets | 19.1184% | 269 |
Core capital (leverage) ratio | 18.8968% | 248 |
Tier 1 risk-based capital ratio | 96.1022% | 49 |
Total risk-based capital ratio | 96.1022% | 49 |
Memoranda: | ||
Average total assets | $36,025,330 | 6,733 |
Average earning assets | $35,712,000 | 6,632 |
Average equity | $7,553,000 | 5,694 |
Average total loans | NA | NA |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 0.7433% | 7,286 |
Cost of funding earning assets | 0.2714% | 6,941 |
Net interest margin | 0.4719% | 7,289 |
Noninterest income to average assets | 0.0000% | 7,087 |
Noninterest expense to average assets | 0.2336% | 7,301 |
Loan and lease loss provision to assets | 0.0000% | 5,254 |
Net operating income to assets | 0.1402% | 6,144 |
Return on assets (ROA) | 0.1402% | 6,271 |
Pretax return on assets | 0.2336% | 6,125 |
Return on Equity (ROE) | 0.6361% | 6,415 |
Retained earnings to average equity (ytd only) | 0.6361% | 5,805 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 50.0000% | 6,674 |
Assets per employee ($millions) | NA | NA |
Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
Noncurrent loans to loans | NA | NA |
Net loans and leases to total assets | 0.0000% | 7,271 |
Net loans and leases to deposits | 0.0000% | 7,271 |
Net loans and leases to core deposits | 0.0000% | 7,258 |
Total domestic deposits to total assets | 80.4547% | 5,735 |
Equity capital to assets | 19.4396% | 246 |
Core capital (leverage) ratio | 21.2650% | 152 |
Tier 1 risk-based capital ratio | 97.8357% | 48 |
Total risk-based capital ratio | 97.8357% | 48 |
Memoranda: | ||
Average total assets | $34,245,500 | 6,839 |
Average earning assets | $33,903,500 | 6,744 |
Average equity | $7,545,500 | 5,723 |
Average total loans | NA | NA |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 1.3509% | 7,318 |
Cost of funding earning assets | 0.3399% | 7,036 |
Net interest margin | 1.0110% | 7,317 |
Noninterest income to average assets | 0.0000% | 6,982 |
Noninterest expense to average assets | 0.2228% | 7,351 |
Loan and lease loss provision to assets | 0.0000% | 6,496 |
Net operating income to assets | 0.4653% | 4,564 |
Return on assets (ROA) | 0.4653% | 4,767 |
Pretax return on assets | 0.7754% | 4,066 |
Return on Equity (ROE) | 2.2139% | 5,580 |
Retained earnings to average equity (ytd only) | 2.2139% | 4,640 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 22.3164% | 7,326 |
Assets per employee ($millions) | NA | NA |
Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
Noncurrent loans to loans | NA | NA |
Net loans and leases to total assets | 0.0000% | 7,320 |
Net loans and leases to deposits | 0.0000% | 7,320 |
Net loans and leases to core deposits | 0.0000% | 7,305 |
Total domestic deposits to total assets | 74.0520% | 6,710 |
Equity capital to assets | 25.4226% | 101 |
Core capital (leverage) ratio | 23.5266% | 117 |
Tier 1 risk-based capital ratio | 128.2389% | 41 |
Total risk-based capital ratio | 128.2389% | 41 |
Memoranda: | ||
Average total assets | $35,463,800 | 6,812 |
Average earning assets | $35,014,800 | 6,711 |
Average equity | $7,453,000 | 5,733 |
Average total loans | NA | NA |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 1.2112% | 7,402 |
Cost of funding earning assets | 0.3513% | 7,124 |
Net interest margin | 0.8600% | 7,402 |
Noninterest income to average assets | 0.0000% | 7,100 |
Noninterest expense to average assets | 0.2168% | 7,430 |
Loan and lease loss provision to assets | 0.0000% | 6,393 |
Net operating income to assets | 0.3793% | 5,084 |
Return on assets (ROA) | 0.3793% | 5,269 |
Pretax return on assets | 0.6322% | 4,708 |
Return on Equity (ROE) | 1.8845% | 5,818 |
Retained earnings to average equity (ytd only) | 1.8845% | 5,200 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 25.5319% | 7,381 |
Assets per employee ($millions) | NA | NA |
Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
Noncurrent loans to loans | NA | NA |
Net loans and leases to total assets | 0.0000% | 7,401 |
Net loans and leases to deposits | 0.0000% | 7,400 |
Net loans and leases to core deposits | 0.0000% | 7,385 |
Total domestic deposits to total assets | 78.7447% | 6,036 |
Equity capital to assets | 20.8644% | 214 |
Core capital (leverage) ratio | 19.4994% | 242 |
Tier 1 risk-based capital ratio | 104.6171% | 52 |
Total risk-based capital ratio | 104.6171% | 52 |
Memoranda: | ||
Average total assets | $36,906,250 | 6,828 |
Average earning assets | $36,435,250 | 6,723 |
Average equity | $7,429,000 | 5,771 |
Average total loans | NA | NA |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 1.0043% | 7,483 |
Cost of funding earning assets | 0.3548% | 7,216 |
Net interest margin | 0.6495% | 7,480 |
Noninterest income to average assets | 0.0000% | 7,188 |
Noninterest expense to average assets | 0.2205% | 7,504 |
Loan and lease loss provision to assets | 0.0000% | 6,217 |
Net operating income to assets | 0.2528% | 5,552 |
Return on assets (ROA) | 0.2528% | 5,673 |
Pretax return on assets | 0.4195% | 5,336 |
Return on Equity (ROE) | 1.2708% | 6,012 |
Retained earnings to average equity (ytd only) | 1.2708% | 5,344 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 34.4538% | 7,406 |
Assets per employee ($millions) | NA | NA |
Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
Noncurrent loans to loans | NA | NA |
Net loans and leases to total assets | 0.0000% | 7,475 |
Net loans and leases to deposits | 0.0000% | 7,474 |
Net loans and leases to core deposits | 0.0000% | 7,460 |
Total domestic deposits to total assets | 81.1910% | 5,461 |
Equity capital to assets | 18.5532% | 340 |
Core capital (leverage) ratio | 17.7961% | 351 |
Tier 1 risk-based capital ratio | 92.8365% | 60 |
Total risk-based capital ratio | 92.8365% | 60 |
Memoranda: | ||
Average total assets | $37,184,670 | 6,881 |
Average earning assets | $36,641,000 | 6,773 |
Average equity | $7,396,670 | 5,803 |
Average total loans | NA | NA |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 0.9956% | 7,547 |
Cost of funding earning assets | 0.3662% | 7,294 |
Net interest margin | 0.6294% | 7,543 |
Noninterest income to average assets | 0.0000% | 7,288 |
Noninterest expense to average assets | 0.2581% | 7,564 |
Loan and lease loss provision to assets | 0.0000% | 5,840 |
Net operating income to assets | 0.2132% | 5,746 |
Return on assets (ROA) | 0.2132% | 5,808 |
Pretax return on assets | 0.3591% | 5,473 |
Return on Equity (ROE) | 1.0327% | 6,120 |
Retained earnings to average equity (ytd only) | 1.0327% | 5,412 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 41.8182% | 7,348 |
Assets per employee ($millions) | NA | NA |
Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
Noncurrent loans to loans | NA | NA |
Net loans and leases to total assets | 0.0000% | 7,537 |
Net loans and leases to deposits | 0.0000% | 7,537 |
Net loans and leases to core deposits | 0.0000% | 7,521 |
Total domestic deposits to total assets | 82.2844% | 5,195 |
Equity capital to assets | 17.6461% | 391 |
Core capital (leverage) ratio | 19.9490% | 233 |
Tier 1 risk-based capital ratio | 88.9683% | 61 |
Total risk-based capital ratio | 88.9683% | 62 |
Memoranda: | ||
Average total assets | $35,643,000 | 6,980 |
Average earning assets | $34,955,500 | 6,885 |
Average equity | $7,359,500 | 5,821 |
Average total loans | NA | NA |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 1.0333% | 7,598 |
Cost of funding earning assets | 0.5252% | 7,262 |
Net interest margin | 0.5081% | 7,607 |
Noninterest income to average assets | 0.0000% | 7,282 |
Noninterest expense to average assets | 0.2573% | 7,633 |
Loan and lease loss provision to assets | 0.0000% | 7,042 |
Net operating income to assets | 0.1480% | 5,449 |
Return on assets (ROA) | 0.1480% | 5,604 |
Pretax return on assets | 0.2451% | 5,370 |
Return on Equity (ROE) | 0.8303% | 5,744 |
Retained earnings to average equity (ytd only) | 0.8303% | 5,135 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 51.2077% | 7,044 |
Assets per employee ($millions) | NA | NA |
Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
Noncurrent loans to loans | NA | NA |
Net loans and leases to total assets | 0.0000% | 7,616 |
Net loans and leases to deposits | 0.0000% | 7,616 |
Net loans and leases to core deposits | 0.0000% | 7,598 |
Total domestic deposits to total assets | 74.7676% | 6,798 |
Equity capital to assets | 24.8808% | 127 |
Core capital (leverage) ratio | 20.1357% | 232 |
Tier 1 risk-based capital ratio | 124.3087% | 47 |
Total risk-based capital ratio | 124.3087% | 47 |
Memoranda: | ||
Average total assets | $41,202,600 | 6,819 |
Average earning assets | $40,742,600 | 6,685 |
Average equity | $7,346,800 | 5,919 |
Average total loans | NA | NA |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 1.0446% | 7,723 |
Cost of funding earning assets | 0.5559% | 7,373 |
Net interest margin | 0.4887% | 7,726 |
Noninterest income to average assets | 0.0000% | 7,437 |
Noninterest expense to average assets | 0.2479% | 7,747 |
Loan and lease loss provision to assets | 0.0000% | 6,977 |
Net operating income to assets | 0.1421% | 5,656 |
Return on assets (ROA) | 0.1421% | 5,820 |
Pretax return on assets | 0.2358% | 5,648 |
Return on Equity (ROE) | 0.8534% | 5,930 |
Retained earnings to average equity (ytd only) | 0.8534% | 5,460 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 51.2500% | 7,051 |
Assets per employee ($millions) | NA | NA |
Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
Noncurrent loans to loans | NA | NA |
Net loans and leases to total assets | 0.0000% | 7,720 |
Net loans and leases to deposits | 0.0000% | 7,720 |
Net loans and leases to core deposits | 0.0000% | 7,701 |
Total domestic deposits to total assets | 82.4303% | 4,824 |
Equity capital to assets | 17.3834% | 476 |
Core capital (leverage) ratio | 16.1539% | 534 |
Tier 1 risk-based capital ratio | 86.5460% | 64 |
Total risk-based capital ratio | 86.5460% | 64 |
Memoranda: | ||
Average total assets | $44,109,000 | 6,814 |
Average earning assets | $43,653,250 | 6,673 |
Average equity | $7,343,750 | 6,002 |
Average total loans | NA | NA |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 1.0776% | 7,796 |
Cost of funding earning assets | 0.5931% | 7,420 |
Net interest margin | 0.4845% | 7,799 |
Noninterest income to average assets | 0.0000% | 7,524 |
Noninterest expense to average assets | 0.2507% | 7,816 |
Loan and lease loss provision to assets | 0.0000% | 6,857 |
Net operating income to assets | 0.1388% | 5,756 |
Return on assets (ROA) | 0.1388% | 5,866 |
Pretax return on assets | 0.2283% | 5,707 |
Return on Equity (ROE) | 0.8454% | 5,993 |
Retained earnings to average equity (ytd only) | 0.8454% | 5,429 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 52.3364% | 7,035 |
Assets per employee ($millions) | NA | NA |
Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
Noncurrent loans to loans | NA | NA |
Net loans and leases to total assets | 0.0000% | 7,788 |
Net loans and leases to deposits | 0.0000% | 7,788 |
Net loans and leases to core deposits | 0.0000% | 7,770 |
Total domestic deposits to total assets | 79.7072% | 5,815 |
Equity capital to assets | 15.0346% | 875 |
Core capital (leverage) ratio | 12.9154% | 1,238 |
Tier 1 risk-based capital ratio | 74.6904% | 76 |
Total risk-based capital ratio | 74.6904% | 76 |
Memoranda: | ||
Average total assets | $44,674,000 | 6,843 |
Average earning assets | $44,172,000 | 6,694 |
Average equity | $7,334,000 | 6,021 |
Average total loans | NA | NA |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 1.1064% | 7,904 |
Cost of funding earning assets | 0.5914% | 7,549 |
Net interest margin | 0.5151% | 7,900 |
Noninterest income to average assets | 0.0000% | 7,655 |
Noninterest expense to average assets | 0.2354% | 7,922 |
Loan and lease loss provision to assets | 0.0000% | 6,552 |
Net operating income to assets | 0.1600% | 5,822 |
Return on assets (ROA) | 0.1600% | 5,945 |
Pretax return on assets | 0.2730% | 5,678 |
Return on Equity (ROE) | 0.9297% | 6,133 |
Retained earnings to average equity (ytd only) | 0.9297% | 5,444 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 46.2963% | 7,535 |
Assets per employee ($millions) | NA | NA |
Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
Noncurrent loans to loans | NA | NA |
Net loans and leases to total assets | 0.0000% | 7,889 |
Net loans and leases to deposits | 0.0000% | 7,889 |
Net loans and leases to core deposits | 0.0000% | 7,870 |
Total domestic deposits to total assets | 87.0172% | 2,625 |
Equity capital to assets | 12.9367% | 1,548 |
Core capital (leverage) ratio | 17.4242% | 414 |
Tier 1 risk-based capital ratio | 64.6892% | 95 |
Total risk-based capital ratio | 64.6892% | 97 |
Memoranda: | ||
Average total assets | $42,487,500 | 6,999 |
Average earning assets | $41,937,500 | 6,861 |
Average equity | $7,314,000 | 6,080 |
Average total loans | NA | NA |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 1.5442% | 7,949 |
Cost of funding earning assets | 0.9390% | 7,331 |
Net interest margin | 0.6052% | 7,960 |
Noninterest income to average assets | 0.0000% | 7,693 |
Noninterest expense to average assets | 0.3291% | 7,995 |
Loan and lease loss provision to assets | 0.0000% | 7,427 |
Net operating income to assets | 0.1599% | 5,022 |
Return on assets (ROA) | 0.1599% | 5,095 |
Pretax return on assets | 0.2676% | 4,852 |
Return on Equity (ROE) | 0.7100% | 5,326 |
Retained earnings to average equity (ytd only) | 0.7100% | 4,512 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 55.1546% | 7,115 |
Assets per employee ($millions) | NA | NA |
Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
Noncurrent loans to loans | NA | NA |
Net loans and leases to total assets | 0.0000% | 7,964 |
Net loans and leases to deposits | 0.0000% | 7,964 |
Net loans and leases to core deposits | 0.0000% | 7,957 |
Total domestic deposits to total assets | 74.0458% | 7,007 |
Equity capital to assets | 25.6533% | 143 |
Core capital (leverage) ratio | 22.7834% | 195 |
Tier 1 risk-based capital ratio | 128.5057% | 48 |
Total risk-based capital ratio | 128.5057% | 48 |
Memoranda: | ||
Average total assets | $32,514,000 | 7,381 |
Average earning assets | $32,056,000 | 7,255 |
Average equity | $7,324,000 | 6,165 |
Average total loans | NA | NA |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 1.5264% | 8,047 |
Cost of funding earning assets | 1.0310% | 7,325 |
Net interest margin | 0.4954% | 8,055 |
Noninterest income to average assets | 0.0000% | 7,834 |
Noninterest expense to average assets | 0.3184% | 8,086 |
Loan and lease loss provision to assets | 0.0000% | 7,284 |
Net operating income to assets | 0.1035% | 5,453 |
Return on assets (ROA) | 0.1035% | 5,503 |
Pretax return on assets | 0.1712% | 5,361 |
Return on Equity (ROE) | 0.4735% | 5,644 |
Retained earnings to average equity (ytd only) | 0.4735% | 5,005 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 65.0407% | 5,544 |
Assets per employee ($millions) | NA | NA |
Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
Noncurrent loans to loans | NA | NA |
Net loans and leases to total assets | 0.0000% | 8,051 |
Net loans and leases to deposits | 0.0000% | 8,051 |
Net loans and leases to core deposits | 0.0000% | 8,041 |
Total domestic deposits to total assets | 79.8049% | 5,518 |
Equity capital to assets | 19.9187% | 346 |
Core capital (leverage) ratio | 18.7810% | 395 |
Tier 1 risk-based capital ratio | 98.5707% | 64 |
Total risk-based capital ratio | 98.5707% | 64 |
Memoranda: | ||
Average total assets | $33,496,250 | 7,403 |
Average earning assets | $33,106,000 | 7,284 |
Average equity | $7,321,750 | 6,217 |
Average total loans | NA | NA |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 1.5589% | 8,139 |
Cost of funding earning assets | 1.1269% | 7,310 |
Net interest margin | 0.4320% | 8,145 |
Noninterest income to average assets | 0.0000% | 7,938 |
Noninterest expense to average assets | 0.3708% | 8,179 |
Loan and lease loss provision to assets | 0.0000% | 7,158 |
Net operating income to assets | 0.0309% | 5,755 |
Return on assets (ROA) | 0.0309% | 5,841 |
Pretax return on assets | 0.0556% | 5,772 |
Return on Equity (ROE) | 0.1368% | 5,876 |
Retained earnings to average equity (ytd only) | 0.1368% | 5,150 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 86.9565% | 2,126 |
Assets per employee ($millions) | NA | NA |
Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
Noncurrent loans to loans | NA | NA |
Net loans and leases to total assets | 0.0000% | 8,143 |
Net loans and leases to deposits | 0.0000% | 8,143 |
Net loans and leases to core deposits | 0.0000% | 8,133 |
Total domestic deposits to total assets | 81.7763% | 4,780 |
Equity capital to assets | 18.0022% | 550 |
Core capital (leverage) ratio | 18.4551% | 461 |
Tier 1 risk-based capital ratio | 65.7021% | 112 |
Total risk-based capital ratio | 65.7021% | 116 |
Memoranda: | ||
Average total assets | $32,358,330 | 7,517 |
Average earning assets | $31,944,670 | 7,402 |
Average equity | $7,311,670 | 6,260 |
Average total loans | NA | NA |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 1.6789% | 8,198 |
Cost of funding earning assets | 1.2628% | 7,141 |
Net interest margin | 0.4161% | 8,206 |
Noninterest income to average assets | 0.0000% | 8,039 |
Noninterest expense to average assets | 0.2268% | 8,235 |
Loan and lease loss provision to assets | 0.0000% | 6,744 |
Net operating income to assets | 0.1134% | 5,941 |
Return on assets (ROA) | 0.1134% | 6,104 |
Pretax return on assets | 0.1843% | 5,980 |
Return on Equity (ROE) | 0.4378% | 6,295 |
Retained earnings to average equity (ytd only) | 0.4378% | 5,485 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 55.1724% | 7,081 |
Assets per employee ($millions) | NA | NA |
Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
Noncurrent loans to loans | NA | NA |
Net loans and leases to total assets | 0.0000% | 8,196 |
Net loans and leases to deposits | 0.0000% | 8,196 |
Net loans and leases to core deposits | 0.0000% | 8,185 |
Total domestic deposits to total assets | 80.3202% | 5,231 |
Equity capital to assets | 19.4854% | 451 |
Core capital (leverage) ratio | 25.1471% | 229 |
Tier 1 risk-based capital ratio | 96.5637% | 71 |
Total risk-based capital ratio | 96.5637% | 71 |
Memoranda: | ||
Average total assets | $28,220,500 | 7,719 |
Average earning assets | $27,875,500 | 7,617 |
Average equity | $7,310,000 | 6,292 |
Average total loans | NA | NA |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.2364% | 8,163 |
Cost of funding earning assets | 1.7990% | 7,011 |
Net interest margin | 1.4374% | 8,190 |
Noninterest income to average assets | 0.0000% | 8,110 |
Noninterest expense to average assets | 0.2690% | 8,279 |
Loan and lease loss provision to assets | 0.0000% | 7,334 |
Net operating income to assets | 0.6856% | 3,955 |
Return on assets (ROA) | 0.6856% | 3,795 |
Pretax return on assets | 1.1455% | 2,852 |
Return on Equity (ROE) | 2.2050% | 5,537 |
Retained earnings to average equity (ytd only) | 2.2050% | 3,839 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 19.0184% | 8,263 |
Assets per employee ($millions) | NA | NA |
Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
Noncurrent loans to loans | NA | NA |
Net loans and leases to total assets | 0.0000% | 8,249 |
Net loans and leases to deposits | 0.0000% | 8,249 |
Net loans and leases to core deposits | 0.0000% | 8,238 |
Total domestic deposits to total assets | 60.4392% | 7,950 |
Equity capital to assets | 38.6508% | 108 |
Core capital (leverage) ratio | 33.5005% | 149 |
Tier 1 risk-based capital ratio | 192.2462% | 43 |
Total risk-based capital ratio | 192.2462% | 43 |
Memoranda: | ||
Average total assets | $23,046,000 | 7,911 |
Average earning assets | $22,679,600 | 7,835 |
Average equity | $7,165,600 | 6,400 |
Average total loans | NA | NA |