Home > Santa Barbara Bank & Trust > Performance and Condition Ratios
Santa Barbara Bank & Trust, Performance and Condition Ratios
2012-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0956% | 1,436 |
Cost of funding earning assets | 0.6000% | 4,648 |
Net interest margin | 4.4955% | 998 |
Noninterest income to average assets | 1.0969% | 1,247 |
Noninterest expense to average assets | 3.3823% | 2,050 |
Loan and lease loss provision to assets | 0.0455% | 5,202 |
Net operating income to assets | 1.7263% | 656 |
Return on assets (ROA) | 1.7514% | 696 |
Pretax return on assets | 1.8112% | 1,017 |
Return on Equity (ROE) | 13.1043% | 1,311 |
Retained earnings to average equity (ytd only) | 13.1043% | 384 |
Net charge-offs to loans | 0.0133% | 5,515 |
Credit loss provision to net charge-offs | 540.8602% | 494 |
Earnings coverage of net charge-offs (x) | 217.4371% | 209 |
Efficiency ratio | 62.5782% | 5,059 |
Assets per employee ($millions) | 6.2000% | 1,122 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.1905% | 7,079 |
Loan loss allowance to noncurrent loans | 12.3770% | 6,632 |
Noncurrent assets plus other real estate owned to assets | 1.4732% | 3,394 |
Noncurrent loans to loans | 1.5395% | 3,480 |
Net loans and leases to total assets | 62.6930% | 3,262 |
Net loans and leases to deposits | 79.5314% | 2,469 |
Net loans and leases to core deposits | 84.8357% | 2,600 |
Total domestic deposits to total assets | 78.8280% | 5,913 |
Equity capital to assets | 14.0164% | 1,148 |
Core capital (leverage) ratio | 12.4724% | 1,423 |
Tier 1 risk-based capital ratio | 21.0133% | 1,524 |
Total risk-based capital ratio | 21.5929% | 1,642 |
Memoranda: | ||
Average total assets | $5,890,396,500 | 157 |
Average earning assets | $5,393,460,000 | 151 |
Average equity | $787,246,250 | 146 |
Average total loans | $3,723,504,500 | 158 |
2012-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0899% | 1,526 |
Cost of funding earning assets | 0.6027% | 4,881 |
Net interest margin | 4.4871% | 1,018 |
Noninterest income to average assets | 1.0034% | 1,454 |
Noninterest expense to average assets | 3.5118% | 1,758 |
Loan and lease loss provision to assets | 0.0393% | 5,180 |
Net operating income to assets | 1.4761% | 1,036 |
Return on assets (ROA) | 1.4809% | 1,148 |
Pretax return on assets | 1.5570% | 1,689 |
Return on Equity (ROE) | 11.2678% | 1,896 |
Retained earnings to average equity (ytd only) | 11.2678% | 698 |
Net charge-offs to loans | 0.0071% | 5,384 |
Credit loss provision to net charge-offs | 879.3893% | 370 |
Earnings coverage of net charge-offs (x) | 355.7481% | 116 |
Efficiency ratio | 66.4271% | 4,450 |
Assets per employee ($millions) | 5.9706% | 1,252 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.1762% | 7,153 |
Loan loss allowance to noncurrent loans | 8.1460% | 6,709 |
Noncurrent assets plus other real estate owned to assets | 2.1774% | 2,566 |
Noncurrent loans to loans | 2.1626% | 2,750 |
Net loans and leases to total assets | 63.1016% | 3,216 |
Net loans and leases to deposits | 79.7003% | 2,422 |
Net loans and leases to core deposits | 85.8250% | 2,452 |
Total domestic deposits to total assets | 79.1736% | 5,930 |
Equity capital to assets | 13.5662% | 1,275 |
Core capital (leverage) ratio | 12.1309% | 1,533 |
Tier 1 risk-based capital ratio | 19.6133% | 1,813 |
Total risk-based capital ratio | 20.2080% | 1,960 |
Memoranda: | ||
Average total assets | $5,857,466,670 | 158 |
Average earning assets | $5,351,549,000 | 152 |
Average equity | $769,838,670 | 148 |
Average total loans | $3,710,683,000 | 158 |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9768% | 1,969 |
Cost of funding earning assets | 0.6076% | 5,069 |
Net interest margin | 4.3693% | 1,293 |
Noninterest income to average assets | 0.9544% | 1,548 |
Noninterest expense to average assets | 3.5238% | 1,707 |
Loan and lease loss provision to assets | 0.0571% | 4,694 |
Net operating income to assets | 1.2658% | 1,554 |
Return on assets (ROA) | 1.2650% | 1,723 |
Pretax return on assets | 1.3595% | 2,341 |
Return on Equity (ROE) | 9.7835% | 2,475 |
Retained earnings to average equity (ytd only) | 9.7835% | 1,325 |
Net charge-offs to loans | 0.0098% | 4,587 |
Credit loss provision to net charge-offs | 917.5824% | 383 |
Earnings coverage of net charge-offs (x) | 227.6484% | 155 |
Efficiency ratio | 68.8385% | 4,008 |
Assets per employee ($millions) | 5.7177% | 1,510 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.1672% | 7,209 |
Loan loss allowance to noncurrent loans | 4.3232% | 6,787 |
Noncurrent assets plus other real estate owned to assets | 3.4888% | 1,649 |
Noncurrent loans to loans | 3.8683% | 1,597 |
Net loans and leases to total assets | 64.0748% | 2,836 |
Net loans and leases to deposits | 80.4485% | 2,152 |
Net loans and leases to core deposits | 86.7940% | 2,197 |
Total domestic deposits to total assets | 79.6470% | 5,934 |
Equity capital to assets | 13.1696% | 1,370 |
Core capital (leverage) ratio | 11.6457% | 1,805 |
Tier 1 risk-based capital ratio | 18.1483% | 2,242 |
Total risk-based capital ratio | 18.7472% | 2,447 |
Memoranda: | ||
Average total assets | $5,845,701,500 | 154 |
Average earning assets | $5,334,169,000 | 151 |
Average equity | $755,844,000 | 147 |
Average total loans | $3,707,249,000 | 156 |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0416% | 2,699 |
Cost of funding earning assets | 0.7711% | 5,054 |
Net interest margin | 4.2705% | 1,805 |
Noninterest income to average assets | 0.8641% | 1,787 |
Noninterest expense to average assets | 3.3819% | 2,289 |
Loan and lease loss provision to assets | 0.0940% | 5,419 |
Net operating income to assets | 1.2464% | 1,390 |
Return on assets (ROA) | 1.2423% | 1,499 |
Pretax return on assets | 1.2714% | 2,229 |
Return on Equity (ROE) | 10.7664% | 1,780 |
Retained earnings to average equity (ytd only) | 10.7664% | 436 |
Net charge-offs to loans | 0.0147% | 6,233 |
Credit loss provision to net charge-offs | 1,015.5393% | 224 |
Earnings coverage of net charge-offs (x) | 147.9799% | 228 |
Efficiency ratio | 68.1198% | 4,335 |
Assets per employee ($millions) | 5.6831% | 1,455 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.1509% | 7,267 |
Loan loss allowance to noncurrent loans | 3.8830% | 6,857 |
Noncurrent assets plus other real estate owned to assets | 3.3288% | 1,783 |
Noncurrent loans to loans | 3.8855% | 1,614 |
Net loans and leases to total assets | 62.5606% | 3,495 |
Net loans and leases to deposits | 78.1016% | 2,825 |
Net loans and leases to core deposits | 85.0768% | 2,742 |
Total domestic deposits to total assets | 80.1016% | 5,715 |
Equity capital to assets | 12.6904% | 1,661 |
Core capital (leverage) ratio | 11.1963% | 2,122 |
Tier 1 risk-based capital ratio | 17.6543% | 2,316 |
Total risk-based capital ratio | 18.2492% | 2,559 |
Memoranda: | ||
Average total assets | $5,910,068,000 | 152 |
Average earning assets | $5,379,963,400 | 152 |
Average equity | $681,927,600 | 156 |
Average total loans | $3,714,309,800 | 152 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0560% | 2,823 |
Cost of funding earning assets | 0.7998% | 5,150 |
Net interest margin | 4.2562% | 1,889 |
Noninterest income to average assets | 0.8691% | 1,756 |
Noninterest expense to average assets | 3.2480% | 2,668 |
Loan and lease loss provision to assets | 0.0957% | 5,267 |
Net operating income to assets | 1.3761% | 1,210 |
Return on assets (ROA) | 1.3705% | 1,301 |
Pretax return on assets | 1.3921% | 1,960 |
Return on Equity (ROE) | 12.1780% | 1,497 |
Retained earnings to average equity (ytd only) | 12.1780% | 482 |
Net charge-offs to loans | 0.0174% | 5,910 |
Credit loss provision to net charge-offs | 876.9072% | 314 |
Earnings coverage of net charge-offs (x) | 136.8496% | 275 |
Efficiency ratio | 65.3800% | 4,831 |
Assets per employee ($millions) | 5.7546% | 1,392 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.1183% | 7,352 |
Loan loss allowance to noncurrent loans | 2.3778% | 6,952 |
Noncurrent assets plus other real estate owned to assets | 3.9156% | 1,576 |
Noncurrent loans to loans | 4.9759% | 1,253 |
Net loans and leases to total assets | 61.9752% | 3,728 |
Net loans and leases to deposits | 77.6044% | 3,068 |
Net loans and leases to core deposits | 85.9187% | 2,780 |
Total domestic deposits to total assets | 79.8604% | 5,773 |
Equity capital to assets | 12.4115% | 1,965 |
Core capital (leverage) ratio | 10.9312% | 2,446 |
Tier 1 risk-based capital ratio | 17.1768% | 2,576 |
Total risk-based capital ratio | 18.1405% | 2,652 |
Memoranda: | ||
Average total assets | $5,925,601,500 | 153 |
Average earning assets | $5,391,119,750 | 152 |
Average equity | $666,877,750 | 157 |
Average total loans | $3,726,879,000 | 150 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1155% | 2,606 |
Cost of funding earning assets | 0.8413% | 5,123 |
Net interest margin | 4.2742% | 1,752 |
Noninterest income to average assets | 0.8598% | 1,774 |
Noninterest expense to average assets | 3.2450% | 2,744 |
Loan and lease loss provision to assets | 0.1164% | 4,821 |
Net operating income to assets | 1.3473% | 1,199 |
Return on assets (ROA) | 1.3402% | 1,291 |
Pretax return on assets | 1.3758% | 1,876 |
Return on Equity (ROE) | 12.3233% | 1,403 |
Retained earnings to average equity (ytd only) | 12.3233% | 482 |
Net charge-offs to loans | 0.0217% | 5,535 |
Credit loss provision to net charge-offs | 847.4328% | 385 |
Earnings coverage of net charge-offs (x) | 109.1369% | 332 |
Efficiency ratio | 65.1808% | 5,031 |
Assets per employee ($millions) | 5.8868% | 1,244 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.0969% | 7,424 |
Loan loss allowance to noncurrent loans | 1.9307% | 7,002 |
Noncurrent assets plus other real estate owned to assets | 3.9706% | 1,620 |
Noncurrent loans to loans | 5.0191% | 1,299 |
Net loans and leases to total assets | 63.2138% | 3,638 |
Net loans and leases to deposits | 78.8617% | 2,987 |
Net loans and leases to core deposits | 89.7921% | 2,401 |
Total domestic deposits to total assets | 80.1578% | 5,784 |
Equity capital to assets | 11.7219% | 2,315 |
Core capital (leverage) ratio | 10.3678% | 2,860 |
Tier 1 risk-based capital ratio | 16.0480% | 2,957 |
Total risk-based capital ratio | 16.4590% | 3,356 |
Memoranda: | ||
Average total assets | $5,953,840,000 | 155 |
Average earning assets | $5,411,197,330 | 155 |
Average equity | $647,522,670 | 162 |
Average total loans | $3,761,108,670 | 152 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8662% | 3,741 |
Cost of funding earning assets | 0.8493% | 5,276 |
Net interest margin | 4.0169% | 2,619 |
Noninterest income to average assets | 0.8550% | 1,834 |
Noninterest expense to average assets | 3.1799% | 2,964 |
Loan and lease loss provision to assets | 0.1109% | 4,628 |
Net operating income to assets | 1.1609% | 1,623 |
Return on assets (ROA) | 1.1607% | 1,677 |
Pretax return on assets | 1.2140% | 2,324 |
Return on Equity (ROE) | 11.0905% | 1,710 |
Retained earnings to average equity (ytd only) | 11.0905% | 885 |
Net charge-offs to loans | 0.0059% | 5,044 |
Credit loss provision to net charge-offs | 2,976.7857% | 134 |
Earnings coverage of net charge-offs (x) | 355.7679% | 81 |
Efficiency ratio | 67.3389% | 4,783 |
Assets per employee ($millions) | 6.0775% | 1,152 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.0559% | 7,488 |
Loan loss allowance to noncurrent loans | 0.8950% | 7,071 |
Noncurrent assets plus other real estate owned to assets | 4.7069% | 1,355 |
Noncurrent loans to loans | 6.2427% | 987 |
Net loans and leases to total assets | 64.1306% | 3,416 |
Net loans and leases to deposits | 78.9442% | 2,904 |
Net loans and leases to core deposits | 92.5691% | 2,062 |
Total domestic deposits to total assets | 81.2353% | 5,595 |
Equity capital to assets | 10.7377% | 2,944 |
Core capital (leverage) ratio | 9.8822% | 3,296 |
Tier 1 risk-based capital ratio | 15.1398% | 3,349 |
Total risk-based capital ratio | 15.4989% | 3,873 |
Memoranda: | ||
Average total assets | $6,013,856,500 | 156 |
Average earning assets | $5,464,711,500 | 153 |
Average equity | $629,367,500 | 163 |
Average total loans | $3,795,988,500 | 151 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 1.3378% | 7,589 |
Cost of funding earning assets | 0.1861% | 7,556 |
Net interest margin | 1.1517% | 7,574 |
Noninterest income to average assets | 0.2923% | 5,691 |
Noninterest expense to average assets | 0.9491% | 7,586 |
Loan and lease loss provision to assets | 0.0086% | 6,992 |
Net operating income to assets | 0.3961% | 4,553 |
Return on assets (ROA) | 0.3952% | 4,706 |
Pretax return on assets | 0.3952% | 4,960 |
Return on Equity (ROE) | 5.8960% | 3,657 |
Retained earnings to average equity (ytd only) | 5.8960% | 1,884 |
Net charge-offs to loans | 0.0016% | 6,842 |
Credit loss provision to net charge-offs | 842.8571% | 256 |
Earnings coverage of net charge-offs (x) | 397.2571% | 60 |
Efficiency ratio | 66.9046% | 4,776 |
Assets per employee ($millions) | 6.2017% | 1,085 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.0138% | 7,575 |
Loan loss allowance to noncurrent loans | 0.1895% | 7,151 |
Noncurrent assets plus other real estate owned to assets | 5.1795% | 1,220 |
Noncurrent loans to loans | 7.2616% | 756 |
Net loans and leases to total assets | 62.0905% | 4,268 |
Net loans and leases to deposits | 75.8173% | 3,873 |
Net loans and leases to core deposits | 89.6683% | 2,813 |
Total domestic deposits to total assets | 81.8948% | 5,222 |
Equity capital to assets | 10.1991% | 3,501 |
Core capital (leverage) ratio | 9.1740% | 4,224 |
Tier 1 risk-based capital ratio | 14.3923% | 3,622 |
Total risk-based capital ratio | 14.7091% | 4,212 |
Memoranda: | ||
Average total assets | $6,872,048,200 | 143 |
Average earning assets | $6,334,279,000 | 142 |
Average equity | $460,650,000 | 193 |
Average total loans | $4,494,470,800 | 131 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 0.4519% | 7,741 |
Cost of funding earning assets | 0.0773% | 7,708 |
Net interest margin | 0.3746% | 7,732 |
Noninterest income to average assets | 0.0705% | 7,178 |
Noninterest expense to average assets | 0.3198% | 7,743 |
Loan and lease loss provision to assets | 0.0010% | 6,974 |
Net operating income to assets | 0.0963% | 5,784 |
Return on assets (ROA) | 0.0957% | 5,929 |
Pretax return on assets | 0.0957% | 5,918 |
Return on Equity (ROE) | 1.6081% | 5,734 |
Retained earnings to average equity (ytd only) | 1.6081% | 5,149 |
Net charge-offs to loans | 0.0000% | 6,671 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 73.2999% | 3,461 |
Assets per employee ($millions) | 6.1801% | 1,129 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.0014% | 7,690 |
Loan loss allowance to noncurrent loans | 0.0196% | 7,259 |
Noncurrent assets plus other real estate owned to assets | 5.1857% | 1,215 |
Noncurrent loans to loans | 7.0785% | 785 |
Net loans and leases to total assets | 63.2859% | 4,259 |
Net loans and leases to deposits | 76.6923% | 4,052 |
Net loans and leases to core deposits | 90.4954% | 3,028 |
Total domestic deposits to total assets | 82.5192% | 4,792 |
Equity capital to assets | 9.6026% | 4,689 |
Core capital (leverage) ratio | 8.0259% | 6,309 |
Tier 1 risk-based capital ratio | 12.6429% | 4,860 |
Total risk-based capital ratio | 13.0720% | 5,599 |
Memoranda: | ||
Average total assets | $7,069,091,250 | 138 |
Average earning assets | $6,541,328,500 | 139 |
Average equity | $420,687,250 | 202 |
Average total loans | $4,673,581,250 | 128 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2577% | 7,106 |
Cost of funding earning assets | 1.7580% | 1,827 |
Net interest margin | 2.4997% | 7,421 |
Noninterest income to average assets | 0.5812% | 3,472 |
Noninterest expense to average assets | 2.7951% | 4,502 |
Loan and lease loss provision to assets | 4.2710% | 166 |
Net operating income to assets | -3.8957% | 7,609 |
Return on assets (ROA) | -3.5823% | 7,592 |
Pretax return on assets | -3.8364% | 7,583 |
Return on Equity (ROE) | -72.9786% | 7,689 |
Retained earnings to average equity (ytd only) | -72.9786% | 7,687 |
Net charge-offs to loans | 6.2172% | 120 |
Credit loss provision to net charge-offs | 102.6538% | 3,971 |
Earnings coverage of net charge-offs (x) | 0.0272% | 5,692 |
Efficiency ratio | 95.6789% | 984 |
Assets per employee ($millions) | 6.9500% | 789 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
Condition Ratios (%) | ||
Loss allowance to loans | 5.9920% | 105 |
Loan loss allowance to noncurrent loans | 50.4754% | 4,939 |
Noncurrent assets plus other real estate owned to assets | 8.5017% | 547 |
Noncurrent loans to loans | 11.8712% | 294 |
Net loans and leases to total assets | 61.1016% | 4,859 |
Net loans and leases to deposits | 80.7440% | 3,474 |
Net loans and leases to core deposits | 101.2422% | 1,900 |
Total domestic deposits to total assets | 75.6732% | 6,756 |
Equity capital to assets | 4.2012% | 7,680 |
Core capital (leverage) ratio | 4.0269% | 7,678 |
Tier 1 risk-based capital ratio | 6.6543% | 7,627 |
Total risk-based capital ratio | 9.5096% | 7,517 |
Memoranda: | ||
Average total assets | $7,332,449,670 | 137 |
Average earning assets | $6,825,588,000 | 133 |
Average equity | $359,933,000 | 221 |
Average total loans | $4,906,846,000 | 124 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3443% | 7,074 |
Cost of funding earning assets | 1.7507% | 2,123 |
Net interest margin | 2.5936% | 7,395 |
Noninterest income to average assets | 0.7955% | 2,044 |
Noninterest expense to average assets | 2.6837% | 4,980 |
Loan and lease loss provision to assets | 5.3664% | 133 |
Net operating income to assets | -4.5015% | 7,749 |
Return on assets (ROA) | -3.9033% | 7,712 |
Pretax return on assets | -4.2231% | 7,708 |
Return on Equity (ROE) | -74.3958% | 7,779 |
Retained earnings to average equity (ytd only) | -74.3958% | 7,774 |
Net charge-offs to loans | 6.6746% | 149 |
Credit loss provision to net charge-offs | 118.5172% | 2,947 |
Earnings coverage of net charge-offs (x) | 0.1166% | 4,928 |
Efficiency ratio | 83.1685% | 2,121 |
Assets per employee ($millions) | 7.1427% | 770 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
Condition Ratios (%) | ||
Loss allowance to loans | 5.7677% | 115 |
Loan loss allowance to noncurrent loans | 68.0652% | 3,954 |
Noncurrent assets plus other real estate owned to assets | 6.3521% | 912 |
Noncurrent loans to loans | 8.4738% | 616 |
Net loans and leases to total assets | 62.9381% | 4,548 |
Net loans and leases to deposits | 82.5383% | 3,189 |
Net loans and leases to core deposits | 102.7086% | 1,842 |
Total domestic deposits to total assets | 76.2532% | 6,716 |
Equity capital to assets | 4.7937% | 7,738 |
Core capital (leverage) ratio | 4.5767% | 7,737 |
Tier 1 risk-based capital ratio | 7.4097% | 7,666 |
Total risk-based capital ratio | 10.1546% | 7,511 |
Memoranda: | ||
Average total assets | $7,443,750,000 | 138 |
Average earning assets | $6,934,850,500 | 132 |
Average equity | $390,549,000 | 214 |
Average total loans | $5,049,704,500 | 125 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.5528% | 603 |
Cost of funding earning assets | 2.1106% | 2,415 |
Net interest margin | 4.4423% | 1,312 |
Noninterest income to average assets | 1.5255% | 617 |
Noninterest expense to average assets | 5.5428% | 385 |
Loan and lease loss provision to assets | 5.1425% | 176 |
Net operating income to assets | -4.9726% | 7,748 |
Return on assets (ROA) | -4.8789% | 7,729 |
Pretax return on assets | -4.9317% | 7,696 |
Return on Equity (ROE) | -65.7915% | 7,784 |
Retained earnings to average equity (ytd only) | -65.7915% | 7,778 |
Net charge-offs to loans | 5.2773% | 224 |
Credit loss provision to net charge-offs | 145.5321% | 3,260 |
Earnings coverage of net charge-offs (x) | 0.0329% | 6,153 |
Efficiency ratio | 70.2984% | 4,561 |
Assets per employee ($millions) | 6.4806% | 996 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
Condition Ratios (%) | ||
Loss allowance to loans | 5.2617% | 145 |
Loan loss allowance to noncurrent loans | 68.5944% | 3,987 |
Noncurrent assets plus other real estate owned to assets | 5.8036% | 984 |
Noncurrent loans to loans | 7.6707% | 675 |
Net loans and leases to total assets | 65.2385% | 4,335 |
Net loans and leases to deposits | 89.9813% | 2,221 |
Net loans and leases to core deposits | 123.8855% | 1,645 |
Total domestic deposits to total assets | 72.5024% | 7,203 |
Equity capital to assets | 5.6892% | 7,712 |
Core capital (leverage) ratio | 5.5052% | 7,711 |
Tier 1 risk-based capital ratio | 8.0886% | 7,640 |
Total risk-based capital ratio | 10.6890% | 7,242 |
Memoranda: | ||
Average total assets | $8,302,036,200 | 125 |
Average earning assets | $7,724,987,800 | 117 |
Average equity | $615,652,200 | 156 |
Average total loans | $5,558,977,600 | 115 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 7.1651% | 241 |
Cost of funding earning assets | 2.1947% | 2,435 |
Net interest margin | 4.9704% | 473 |
Noninterest income to average assets | 1.7598% | 469 |
Noninterest expense to average assets | 6.2855% | 276 |
Loan and lease loss provision to assets | 6.1772% | 98 |
Net operating income to assets | -6.1118% | 7,929 |
Return on assets (ROA) | -6.1569% | 7,930 |
Pretax return on assets | -6.1252% | 7,916 |
Return on Equity (ROE) | -78.9523% | 7,957 |
Retained earnings to average equity (ytd only) | -78.9523% | 7,954 |
Net charge-offs to loans | 6.2370% | 136 |
Credit loss provision to net charge-offs | 148.8487% | 3,241 |
Earnings coverage of net charge-offs (x) | 0.0234% | 6,032 |
Efficiency ratio | 66.6017% | 5,268 |
Assets per employee ($millions) | 6.8633% | 840 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
Condition Ratios (%) | ||
Loss allowance to loans | 4.9970% | 140 |
Loan loss allowance to noncurrent loans | 77.7173% | 3,515 |
Noncurrent assets plus other real estate owned to assets | 4.8705% | 1,209 |
Noncurrent loans to loans | 6.4297% | 898 |
Net loans and leases to total assets | 64.8340% | 4,691 |
Net loans and leases to deposits | 92.4783% | 2,158 |
Net loans and leases to core deposits | 125.8804% | 1,750 |
Total domestic deposits to total assets | 70.1072% | 7,406 |
Equity capital to assets | 6.0393% | 7,855 |
Core capital (leverage) ratio | 5.6146% | 7,857 |
Tier 1 risk-based capital ratio | 7.9418% | 7,801 |
Total risk-based capital ratio | 10.7901% | 7,304 |
Memoranda: | ||
Average total assets | $8,494,919,500 | 125 |
Average earning assets | $7,900,784,750 | 121 |
Average equity | $662,458,000 | 152 |
Average total loans | $5,652,311,500 | 120 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 8.3692% | 66 |
Cost of funding earning assets | 2.3471% | 2,171 |
Net interest margin | 6.0220% | 108 |
Noninterest income to average assets | 2.2860% | 300 |
Noninterest expense to average assets | 7.7683% | 173 |
Loan and lease loss provision to assets | 8.0339% | 72 |
Net operating income to assets | -8.0436% | 8,078 |
Return on assets (ROA) | -8.1028% | 8,072 |
Pretax return on assets | -7.9848% | 8,054 |
Return on Equity (ROE) | -97.2604% | 8,073 |
Retained earnings to average equity (ytd only) | -97.2604% | 8,072 |
Net charge-offs to loans | 8.0873% | 102 |
Credit loss provision to net charge-offs | 150.4669% | 3,060 |
Earnings coverage of net charge-offs (x) | 0.0203% | 5,659 |
Efficiency ratio | 60.8375% | 6,421 |
Assets per employee ($millions) | 6.0419% | 1,190 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
Condition Ratios (%) | ||
Loss allowance to loans | 4.5529% | 167 |
Loan loss allowance to noncurrent loans | 79.6275% | 3,530 |
Noncurrent assets plus other real estate owned to assets | 4.7649% | 1,154 |
Noncurrent loans to loans | 5.7177% | 987 |
Net loans and leases to total assets | 73.9930% | 2,700 |
Net loans and leases to deposits | 102.8380% | 1,008 |
Net loans and leases to core deposits | 135.7542% | 1,227 |
Total domestic deposits to total assets | 71.9510% | 7,248 |
Equity capital to assets | 6.7565% | 7,730 |
Core capital (leverage) ratio | 5.6767% | 7,966 |
Tier 1 risk-based capital ratio | 8.3030% | 7,880 |
Total risk-based capital ratio | 11.2087% | 6,903 |
Memoranda: | ||
Average total assets | $8,693,331,330 | 129 |
Average earning assets | $8,070,536,670 | 124 |
Average equity | $724,247,670 | 142 |
Average total loans | $5,739,392,670 | 123 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 11.0875% | 33 |
Cost of funding earning assets | 2.4187% | 2,216 |
Net interest margin | 8.6689% | 36 |
Noninterest income to average assets | 3.2450% | 199 |
Noninterest expense to average assets | 5.2087% | 424 |
Loan and lease loss provision to assets | 6.6374% | 104 |
Net operating income to assets | -0.2048% | 6,560 |
Return on assets (ROA) | -0.2088% | 6,649 |
Pretax return on assets | -0.5597% | 6,868 |
Return on Equity (ROE) | -2.3341% | 6,702 |
Retained earnings to average equity (ytd only) | -6.0034% | 6,684 |
Net charge-offs to loans | 10.5500% | 57 |
Credit loss provision to net charge-offs | 102.2314% | 3,667 |
Earnings coverage of net charge-offs (x) | 0.9371% | 4,299 |
Efficiency ratio | 45.9737% | 7,844 |
Assets per employee ($millions) | 6.5869% | 924 |
Cash dividends to net income (ytd only)* | -157.2070% | 8,193 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.4989% | 767 |
Loan loss allowance to noncurrent loans | 55.2585% | 4,884 |
Noncurrent assets plus other real estate owned to assets | 2.9436% | 1,925 |
Noncurrent loans to loans | 4.5223% | 1,266 |
Net loans and leases to total assets | 61.1435% | 5,478 |
Net loans and leases to deposits | 87.1417% | 3,443 |
Net loans and leases to core deposits | 116.4669% | 2,748 |
Total domestic deposits to total assets | 70.1656% | 7,413 |
Equity capital to assets | 9.0528% | 5,289 |
Core capital (leverage) ratio | 6.6785% | 7,808 |
Tier 1 risk-based capital ratio | 11.0925% | 5,817 |
Total risk-based capital ratio | 13.8668% | 4,378 |
Memoranda: | ||
Average total assets | $9,384,638,500 | 120 |
Average earning assets | $8,712,053,000 | 117 |
Average equity | $839,395,500 | 132 |
Average total loans | $5,775,365,000 | 124 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 7.2342% | 686 |
Cost of funding earning assets | 2.4233% | 4,618 |
Net interest margin | 4.8109% | 767 |
Noninterest income to average assets | 2.2656% | 290 |
Noninterest expense to average assets | 4.2548% | 1,092 |
Loan and lease loss provision to assets | 2.7643% | 348 |
Net operating income to assets | -0.1892% | 6,613 |
Return on assets (ROA) | -0.2368% | 6,510 |
Pretax return on assets | -0.4302% | 6,577 |
Return on Equity (ROE) | -2.4468% | 6,558 |
Retained earnings to average equity (ytd only) | -7.0981% | 6,792 |
Net charge-offs to loans | 2.1451% | 492 |
Credit loss provision to net charge-offs | 179.7736% | 2,807 |
Earnings coverage of net charge-offs (x) | 1.5664% | 5,311 |
Efficiency ratio | 59.1694% | 6,505 |
Assets per employee ($millions) | 6.9685% | 717 |
Cash dividends to net income (ytd only)* | -190.0994% | 8,197 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.4395% | 730 |
Loan loss allowance to noncurrent loans | 60.1164% | 5,000 |
Noncurrent assets plus other real estate owned to assets | 2.5259% | 1,917 |
Noncurrent loans to loans | 4.0580% | 1,210 |
Net loans and leases to total assets | 58.9400% | 6,066 |
Net loans and leases to deposits | 85.2010% | 4,225 |
Net loans and leases to core deposits | 114.2811% | 3,306 |
Total domestic deposits to total assets | 69.1775% | 7,361 |
Equity capital to assets | 8.8400% | 5,586 |
Core capital (leverage) ratio | 8.5843% | 5,416 |
Tier 1 risk-based capital ratio | 11.5770% | 5,170 |
Total risk-based capital ratio | 14.3808% | 3,955 |
Memoranda: | ||
Average total assets | $7,898,326,400 | 136 |
Average earning assets | $7,220,127,600 | 130 |
Average equity | $764,511,200 | 140 |
Average total loans | $5,661,794,200 | 126 |