Home > Signature Bank > Performance and Condition Ratios
Signature Bank, Performance and Condition Ratios
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 | 5.5190% | 692 |
Cost of funding earning assets | 0.9198% | 2,262 |
Net interest margin | 4.5992% | 831 |
Noninterest income to average assets | 0.1075% | 6,639 |
Noninterest expense to average assets | 3.1900% | 2,622 |
Loan and lease loss provision to assets | 0.0000% | 5,619 |
Net operating income to assets | 0.9677% | 2,590 |
Return on assets (ROA) | 0.9677% | 2,837 |
Pretax return on assets | 1.2186% | 2,843 |
Return on Equity (ROE) | 6.5165% | 4,043 |
Retained earnings to average equity (ytd only) | -17.6186% | 6,979 |
Net charge-offs to loans | 0.0000% | 5,507 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 69.9187% | 3,781 |
Assets per employee ($millions) | 2.8515% | 6,318 |
Cash dividends to net income (ytd only)* | 370.3704% | 23 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0862% | 5,836 |
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 | 0.0000% | 6,740 |
Net loans and leases to total assets | 71.8569% | 1,583 |
Net loans and leases to deposits | 84.9326% | 1,726 |
Net loans and leases to core deposits | 84.9326% | 2,574 |
Total domestic deposits to total assets | 84.6046% | 4,050 |
Equity capital to assets | 14.2031% | 1,014 |
Core capital (leverage) ratio | 10.3594% | 2,972 |
Tier 1 risk-based capital ratio | 13.4001% | 4,902 |
Total risk-based capital ratio | 14.4731% | 4,995 |
Memoranda: | ||
Average total assets | $5,580,000 | 7,243 |
Average earning assets | $5,218,330 | 7,228 |
Average equity | $828,670 | 7,226 |
Average total loans | $4,085,000 | 7,171 |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.5868% | 642 |
Cost of funding earning assets | 0.9311% | 2,437 |
Net interest margin | 4.6557% | 742 |
Noninterest income to average assets | 0.0725% | 6,850 |
Noninterest expense to average assets | 3.2618% | 2,410 |
Loan and lease loss provision to assets | 0.0000% | 5,254 |
Net operating income to assets | 0.9423% | 2,733 |
Return on assets (ROA) | 0.9423% | 2,942 |
Pretax return on assets | 1.1597% | 3,071 |
Return on Equity (ROE) | 6.2053% | 4,186 |
Retained earnings to average equity (ytd only) | -41.5274% | 7,193 |
Net charge-offs to loans | 0.0000% | 4,730 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 70.4918% | 3,720 |
Assets per employee ($millions) | 2.8010% | 6,497 |
Cash dividends to net income (ytd only)* | 769.2308% | 17 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0954% | 5,919 |
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 | 0.0000% | 6,812 |
Net loans and leases to total assets | 72.5277% | 1,313 |
Net loans and leases to deposits | 85.6450% | 1,461 |
Net loans and leases to core deposits | 85.6450% | 2,333 |
Total domestic deposits to total assets | 84.6840% | 4,166 |
Equity capital to assets | 14.1735% | 960 |
Core capital (leverage) ratio | 10.2511% | 3,049 |
Tier 1 risk-based capital ratio | 13.1775% | 5,083 |
Total risk-based capital ratio | 14.2616% | 5,184 |
Memoranda: | ||
Average total assets | $5,518,500 | 7,306 |
Average earning assets | $5,155,000 | 7,291 |
Average equity | $838,000 | 7,289 |
Average total loans | $4,056,000 | 7,233 |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.8336% | 597 |
Cost of funding earning assets | 0.9723% | 3,563 |
Net interest margin | 4.8614% | 558 |
Noninterest income to average assets | 0.1084% | 6,603 |
Noninterest expense to average assets | 3.0357% | 3,464 |
Loan and lease loss provision to assets | 0.0361% | 6,116 |
Net operating income to assets | 1.2045% | 1,501 |
Return on assets (ROA) | 1.2468% | 1,489 |
Pretax return on assets | 1.6082% | 1,181 |
Return on Equity (ROE) | 8.1580% | 2,827 |
Retained earnings to average equity (ytd only) | 8.1580% | 1,029 |
Net charge-offs to loans | 0.0000% | 6,441 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 62.8906% | 5,320 |
Assets per employee ($millions) | 2.7175% | 6,583 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1239% | 5,720 |
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 | 0.0000% | 6,879 |
Net loans and leases to total assets | 72.8427% | 1,484 |
Net loans and leases to deposits | 88.1934% | 1,357 |
Net loans and leases to core deposits | 88.1934% | 2,353 |
Total domestic deposits to total assets | 82.5943% | 4,927 |
Equity capital to assets | 16.2282% | 552 |
Core capital (leverage) ratio | 12.1166% | 1,528 |
Tier 1 risk-based capital ratio | 13.6590% | 4,579 |
Total risk-based capital ratio | 14.6315% | 4,759 |
Memoranda: | ||
Average total assets | $5,534,200 | 7,354 |
Average earning assets | $5,142,600 | 7,342 |
Average equity | $845,800 | 7,341 |
Average total loans | $4,163,800 | 7,282 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.8621% | 605 |
Cost of funding earning assets | 0.9814% | 3,807 |
Net interest margin | 4.8807% | 533 |
Noninterest income to average assets | 0.1200% | 6,663 |
Noninterest expense to average assets | 3.0221% | 3,476 |
Loan and lease loss provision to assets | 0.0480% | 5,842 |
Net operating income to assets | 1.2616% | 1,480 |
Return on assets (ROA) | 1.3191% | 1,415 |
Pretax return on assets | 1.6550% | 1,243 |
Return on Equity (ROE) | 8.7637% | 2,702 |
Retained earnings to average equity (ytd only) | 8.7637% | 1,230 |
Net charge-offs to loans | 0.0000% | 6,185 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 62.3711% | 5,356 |
Assets per employee ($millions) | 2.7040% | 6,643 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1202% | 5,813 |
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 | 0.0000% | 6,971 |
Net loans and leases to total assets | 73.4467% | 1,420 |
Net loans and leases to deposits | 88.6607% | 1,359 |
Net loans and leases to core deposits | 95.0922% | 1,687 |
Total domestic deposits to total assets | 82.8402% | 4,745 |
Equity capital to assets | 16.1058% | 612 |
Core capital (leverage) ratio | 11.8131% | 1,819 |
Tier 1 risk-based capital ratio | 13.2177% | 4,936 |
Total risk-based capital ratio | 14.1817% | 5,131 |
Memoranda: | ||
Average total assets | $5,559,000 | 7,433 |
Average earning assets | $5,163,000 | 7,421 |
Average equity | $836,750 | 7,418 |
Average total loans | $4,203,750 | 7,353 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.8827% | 604 |
Cost of funding earning assets | 1.0381% | 3,679 |
Net interest margin | 4.8446% | 561 |
Noninterest income to average assets | 0.1426% | 6,611 |
Noninterest expense to average assets | 3.0307% | 3,523 |
Loan and lease loss provision to assets | 0.0713% | 5,418 |
Net operating income to assets | 1.2337% | 1,480 |
Return on assets (ROA) | 1.3192% | 1,348 |
Pretax return on assets | 1.6401% | 1,179 |
Return on Equity (ROE) | 8.9661% | 2,530 |
Retained earnings to average equity (ytd only) | 8.9661% | 1,118 |
Net charge-offs to loans | 0.0000% | 5,875 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 63.0769% | 5,388 |
Assets per employee ($millions) | 2.8170% | 6,441 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1021% | 5,950 |
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 | 0.0000% | 7,026 |
Net loans and leases to total assets | 71.6720% | 1,850 |
Net loans and leases to deposits | 85.2798% | 1,899 |
Net loans and leases to core deposits | 91.0896% | 2,239 |
Total domestic deposits to total assets | 84.0433% | 4,328 |
Equity capital to assets | 15.0692% | 808 |
Core capital (leverage) ratio | 11.0209% | 2,229 |
Tier 1 risk-based capital ratio | 12.2764% | 5,537 |
Total risk-based capital ratio | 13.2017% | 5,800 |
Memoranda: | ||
Average total assets | $5,609,330 | 7,509 |
Average earning assets | $5,201,670 | 7,497 |
Average equity | $825,330 | 7,494 |
Average total loans | $4,266,000 | 7,428 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.9621% | 514 |
Cost of funding earning assets | 1.0840% | 3,633 |
Net interest margin | 4.8780% | 488 |
Noninterest income to average assets | 0.2859% | 5,630 |
Noninterest expense to average assets | 3.0731% | 3,370 |
Loan and lease loss provision to assets | 0.1429% | 4,224 |
Net operating income to assets | 1.2864% | 1,303 |
Return on assets (ROA) | 1.2864% | 1,350 |
Pretax return on assets | 1.5723% | 1,248 |
Return on Equity (ROE) | 8.8506% | 2,533 |
Retained earnings to average equity (ytd only) | 8.8506% | 1,426 |
Net charge-offs to loans | 0.0000% | 5,107 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 61.1940% | 5,807 |
Assets per employee ($millions) | 2.9255% | 6,294 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0169% | 6,328 |
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 | 0.0000% | 7,094 |
Net loans and leases to total assets | 74.8590% | 1,209 |
Net loans and leases to deposits | 89.4791% | 1,297 |
Net loans and leases to core deposits | 95.3418% | 1,735 |
Total domestic deposits to total assets | 83.6609% | 4,636 |
Equity capital to assets | 14.0318% | 1,005 |
Core capital (leverage) ratio | 10.3239% | 2,779 |
Tier 1 risk-based capital ratio | 11.1627% | 6,384 |
Total risk-based capital ratio | 12.0333% | 6,628 |
Memoranda: | ||
Average total assets | $5,597,000 | 7,570 |
Average earning assets | $5,166,000 | 7,556 |
Average equity | $813,500 | 7,551 |
Average total loans | $4,357,500 | 7,486 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.2370% | 527 |
Cost of funding earning assets | 1.0847% | 5,222 |
Net interest margin | 5.1523% | 320 |
Noninterest income to average assets | 0.1653% | 6,541 |
Noninterest expense to average assets | 3.4506% | 2,301 |
Loan and lease loss provision to assets | 0.4132% | 3,627 |
Net operating income to assets | 0.7438% | 3,026 |
Return on assets (ROA) | 0.7438% | 3,151 |
Pretax return on assets | 1.0124% | 2,888 |
Return on Equity (ROE) | 4.5489% | 4,274 |
Retained earnings to average equity (ytd only) | 4.5489% | 2,689 |
Net charge-offs to loans | -0.0257% | 7,390 |
Credit loss provision to net charge-offs | -2,000.0000% | 7,177 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 67.7966% | 4,602 |
Assets per employee ($millions) | 2.6715% | 6,738 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0023% | 6,375 |
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 | 0.0000% | 7,175 |
Net loans and leases to total assets | 79.4872% | 732 |
Net loans and leases to deposits | 94.5459% | 1,008 |
Net loans and leases to core deposits | 94.5459% | 2,192 |
Total domestic deposits to total assets | 84.0726% | 4,330 |
Equity capital to assets | 15.0852% | 762 |
Core capital (leverage) ratio | 11.1624% | 2,036 |
Tier 1 risk-based capital ratio | 12.5480% | 4,980 |
Total risk-based capital ratio | 13.5184% | 5,206 |
Memoranda: | ||
Average total assets | $4,839,800 | 7,657 |
Average earning assets | $4,425,200 | 7,643 |
Average equity | $791,400 | 7,649 |
Average total loans | $3,897,000 | 7,578 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.2889% | 521 |
Cost of funding earning assets | 1.1153% | 5,347 |
Net interest margin | 5.1736% | 316 |
Noninterest income to average assets | 0.1979% | 6,477 |
Noninterest expense to average assets | 3.5639% | 1,869 |
Loan and lease loss provision to assets | 0.0566% | 6,503 |
Net operating income to assets | 0.9900% | 2,271 |
Return on assets (ROA) | 0.9900% | 2,385 |
Pretax return on assets | 1.3012% | 2,165 |
Return on Equity (ROE) | 5.9245% | 3,855 |
Retained earnings to average equity (ytd only) | 5.9245% | 2,403 |
Net charge-offs to loans | -0.0350% | 7,425 |
Credit loss provision to net charge-offs | -200.0000% | 6,948 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 69.5402% | 4,166 |
Assets per employee ($millions) | 2.3805% | 7,220 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.6543% | 7,278 |
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 | 0.0000% | 7,276 |
Net loans and leases to total assets | 79.7311% | 793 |
Net loans and leases to deposits | 97.6840% | 819 |
Net loans and leases to core deposits | 97.6840% | 2,076 |
Total domestic deposits to total assets | 81.6215% | 5,156 |
Equity capital to assets | 17.0132% | 514 |
Core capital (leverage) ratio | 12.1206% | 1,605 |
Tier 1 risk-based capital ratio | 14.2235% | 3,684 |
Total risk-based capital ratio | 14.8642% | 4,058 |
Memoranda: | ||
Average total assets | $4,714,000 | 7,761 |
Average earning assets | $4,303,750 | 7,748 |
Average equity | $787,750 | 7,752 |
Average total loans | $3,798,750 | 7,680 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.2573% | 556 |
Cost of funding earning assets | 1.1674% | 5,302 |
Net interest margin | 5.0899% | 349 |
Noninterest income to average assets | 0.2128% | 6,399 |
Noninterest expense to average assets | 3.6609% | 1,641 |
Loan and lease loss provision to assets | 0.0851% | 6,074 |
Net operating income to assets | 0.8514% | 2,724 |
Return on assets (ROA) | 0.8514% | 2,875 |
Pretax return on assets | 1.1068% | 2,764 |
Return on Equity (ROE) | 5.1260% | 4,228 |
Retained earnings to average equity (ytd only) | 5.1260% | 2,833 |
Net charge-offs to loans | 0.0000% | 6,371 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 72.8070% | 3,693 |
Assets per employee ($millions) | 2.3665% | 7,276 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.6291% | 7,371 |
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 | 0.0000% | 7,347 |
Net loans and leases to total assets | 80.0972% | 780 |
Net loans and leases to deposits | 98.9043% | 806 |
Net loans and leases to core deposits | 98.9043% | 2,131 |
Total domestic deposits to total assets | 80.9846% | 5,402 |
Equity capital to assets | 16.7970% | 563 |
Core capital (leverage) ratio | 12.0412% | 1,618 |
Tier 1 risk-based capital ratio | 13.8019% | 3,878 |
Total risk-based capital ratio | 14.4177% | 4,266 |
Memoranda: | ||
Average total assets | $4,698,330 | 7,830 |
Average earning assets | $4,283,000 | 7,817 |
Average equity | $780,330 | 7,820 |
Average total loans | $3,791,330 | 7,749 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.2778% | 551 |
Cost of funding earning assets | 1.2181% | 5,295 |
Net interest margin | 5.0597% | 372 |
Noninterest income to average assets | 0.0855% | 7,275 |
Noninterest expense to average assets | 3.6744% | 1,561 |
Loan and lease loss provision to assets | 0.1709% | 4,821 |
Net operating income to assets | 0.6836% | 3,506 |
Return on assets (ROA) | 0.6836% | 3,625 |
Pretax return on assets | 0.8545% | 3,647 |
Return on Equity (ROE) | 4.1397% | 4,825 |
Retained earnings to average equity (ytd only) | 4.1397% | 3,662 |
Net charge-offs to loans | 0.0000% | 5,609 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 74.5455% | 3,482 |
Assets per employee ($millions) | 2.3390% | 7,404 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.6322% | 7,452 |
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 | 0.0000% | 7,426 |
Net loans and leases to total assets | 80.6327% | 753 |
Net loans and leases to deposits | 102.2777% | 629 |
Net loans and leases to core deposits | 102.2777% | 1,872 |
Total domestic deposits to total assets | 78.8371% | 6,112 |
Equity capital to assets | 16.6097% | 582 |
Core capital (leverage) ratio | 11.8848% | 1,698 |
Tier 1 risk-based capital ratio | 13.5822% | 3,940 |
Total risk-based capital ratio | 14.2043% | 4,344 |
Memoranda: | ||
Average total assets | $4,681,000 | 7,933 |
Average earning assets | $4,269,000 | 7,920 |
Average equity | $773,000 | 7,912 |
Average total loans | $3,779,500 | 7,851 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.4370% | 762 |
Cost of funding earning assets | 1.7087% | 4,457 |
Net interest margin | 4.7282% | 800 |
Noninterest income to average assets | 0.2127% | 6,582 |
Noninterest expense to average assets | 3.8926% | 1,519 |
Loan and lease loss provision to assets | 0.0638% | 6,932 |
Net operating income to assets | 0.4467% | 3,940 |
Return on assets (ROA) | 0.4467% | 4,062 |
Pretax return on assets | 0.5531% | 4,038 |
Return on Equity (ROE) | 2.7822% | 4,597 |
Retained earnings to average equity (ytd only) | 2.7822% | 3,212 |
Net charge-offs to loans | 0.1331% | 5,869 |
Credit loss provision to net charge-offs | 60.0000% | 6,637 |
Earnings coverage of net charge-offs (x) | 5.8000% | 2,496 |
Efficiency ratio | 83.0189% | 2,473 |
Assets per employee ($millions) | 2.3420% | 7,420 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.5846% | 7,576 |
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 | 0.0000% | 7,460 |
Net loans and leases to total assets | 79.8676% | 1,016 |
Net loans and leases to deposits | 99.9733% | 906 |
Net loans and leases to core deposits | 119.3682% | 1,995 |
Total domestic deposits to total assets | 79.8890% | 5,701 |
Equity capital to assets | 16.4176% | 631 |
Core capital (leverage) ratio | 11.6727% | 1,831 |
Tier 1 risk-based capital ratio | 13.4360% | 3,862 |
Total risk-based capital ratio | 14.0099% | 4,258 |
Memoranda: | ||
Average total assets | $4,701,200 | 8,012 |
Average earning assets | $4,272,200 | 7,998 |
Average equity | $754,800 | 7,998 |
Average total loans | $3,757,800 | 7,928 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.4842% | 773 |
Cost of funding earning assets | 1.8391% | 4,203 |
Net interest margin | 4.6448% | 916 |
Noninterest income to average assets | 0.2268% | 6,610 |
Noninterest expense to average assets | 4.0236% | 1,243 |
Loan and lease loss provision to assets | 0.0000% | 7,284 |
Net operating income to assets | 0.3400% | 4,638 |
Return on assets (ROA) | 0.3400% | 4,733 |
Pretax return on assets | 0.4250% | 4,727 |
Return on Equity (ROE) | 2.1298% | 5,121 |
Retained earnings to average equity (ytd only) | 2.1298% | 4,137 |
Net charge-offs to loans | 0.2130% | 4,701 |
Credit loss provision to net charge-offs | 0.0000% | 6,657 |
Earnings coverage of net charge-offs (x) | 2.5000% | 3,976 |
Efficiency ratio | 90.4459% | 1,651 |
Assets per employee ($millions) | 2.2990% | 7,502 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.5046% | 7,708 |
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 | 0.0000% | 7,541 |
Net loans and leases to total assets | 77.1857% | 1,746 |
Net loans and leases to deposits | 92.9788% | 2,064 |
Net loans and leases to core deposits | 110.5607% | 3,176 |
Total domestic deposits to total assets | 83.0144% | 4,211 |
Equity capital to assets | 16.5072% | 704 |
Core capital (leverage) ratio | 11.2027% | 2,262 |
Tier 1 risk-based capital ratio | 13.8835% | 3,616 |
Total risk-based capital ratio | 14.3803% | 4,035 |
Memoranda: | ||
Average total assets | $4,705,500 | 8,098 |
Average earning assets | $4,277,000 | 8,084 |
Average equity | $751,250 | 8,083 |
Average total loans | $3,756,500 | 8,004 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.5091% | 807 |
Cost of funding earning assets | 1.9062% | 4,227 |
Net interest margin | 4.6029% | 946 |
Noninterest income to average assets | 0.2531% | 6,468 |
Noninterest expense to average assets | 4.0917% | 1,198 |
Loan and lease loss provision to assets | 0.0000% | 7,158 |
Net operating income to assets | 0.2531% | 5,074 |
Return on assets (ROA) | 0.2531% | 5,168 |
Pretax return on assets | 0.3375% | 5,106 |
Return on Equity (ROE) | 1.6028% | 5,428 |
Retained earnings to average equity (ytd only) | 1.6028% | 4,436 |
Net charge-offs to loans | 0.0000% | 6,628 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 92.3810% | 1,610 |
Assets per employee ($millions) | 2.4445% | 7,355 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.6009% | 7,630 |
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 | 0.0000% | 7,580 |
Net loans and leases to total assets | 81.2027% | 1,097 |
Net loans and leases to deposits | 98.4623% | 1,457 |
Net loans and leases to core deposits | 127.2028% | 1,768 |
Total domestic deposits to total assets | 82.4709% | 4,498 |
Equity capital to assets | 15.3406% | 962 |
Core capital (leverage) ratio | 10.8486% | 2,525 |
Tier 1 risk-based capital ratio | 12.2894% | 4,685 |
Total risk-based capital ratio | 12.8840% | 5,194 |
Memoranda: | ||
Average total assets | $4,741,330 | 8,193 |
Average earning assets | $4,301,670 | 8,177 |
Average equity | $748,670 | 8,176 |
Average total loans | $3,819,670 | 8,092 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.5504% | 783 |
Cost of funding earning assets | 1.8987% | 4,634 |
Net interest margin | 4.6517% | 865 |
Noninterest income to average assets | 0.1714% | 7,079 |
Noninterest expense to average assets | 4.1993% | 940 |
Loan and lease loss provision to assets | 0.0000% | 6,744 |
Net operating income to assets | 0.1714% | 5,747 |
Return on assets (ROA) | 0.1714% | 5,914 |
Pretax return on assets | 0.1714% | 6,008 |
Return on Equity (ROE) | 1.0695% | 6,104 |
Retained earnings to average equity (ytd only) | 1.0695% | 5,212 |
Net charge-offs to loans | 0.0000% | 5,728 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 96.0784% | 1,320 |
Assets per employee ($millions) | 2.3840% | 7,483 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.6211% | 7,623 |
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 | 0.0000% | 7,590 |
Net loans and leases to total assets | 80.5369% | 1,285 |
Net loans and leases to deposits | 98.1344% | 1,642 |
Net loans and leases to core deposits | 124.1915% | 2,068 |
Total domestic deposits to total assets | 82.0680% | 4,523 |
Equity capital to assets | 15.6879% | 930 |
Core capital (leverage) ratio | 11.1237% | 2,403 |
Tier 1 risk-based capital ratio | 12.7471% | 4,349 |
Total risk-based capital ratio | 13.3715% | 4,755 |
Memoranda: | ||
Average total assets | $4,667,500 | 8,244 |
Average earning assets | $4,213,500 | 8,229 |
Average equity | $748,000 | 8,228 |
Average total loans | $3,732,500 | 8,150 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 7.4530% | 451 |
Cost of funding earning assets | 2.7320% | 3,012 |
Net interest margin | 4.7211% | 933 |
Noninterest income to average assets | 0.1917% | 7,085 |
Noninterest expense to average assets | 3.9627% | 1,472 |
Loan and lease loss provision to assets | 0.0000% | 7,334 |
Net operating income to assets | 0.3409% | 5,393 |
Return on assets (ROA) | 0.3409% | 5,213 |
Pretax return on assets | 0.4261% | 5,187 |
Return on Equity (ROE) | 2.0871% | 5,587 |
Retained earnings to average equity (ytd only) | -2.8698% | 6,072 |
Net charge-offs to loans | 0.0000% | 7,039 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 90.2913% | 1,494 |
Assets per employee ($millions) | 2.2835% | 7,588 |
Cash dividends to net income (ytd only)* | 237.5000% | 263 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.6665% | 7,512 |
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 | 0.0000% | 7,569 |
Net loans and leases to total assets | 78.3228% | 2,042 |
Net loans and leases to deposits | 95.3104% | 2,562 |
Net loans and leases to core deposits | 121.7909% | 2,526 |
Total domestic deposits to total assets | 82.1765% | 4,131 |
Equity capital to assets | 16.3784% | 869 |
Core capital (leverage) ratio | 10.8754% | 2,688 |
Tier 1 risk-based capital ratio | 13.5504% | 3,792 |
Total risk-based capital ratio | 14.2181% | 4,050 |
Memoranda: | ||
Average total assets | $4,693,800 | 8,300 |
Average earning assets | $4,172,800 | 8,288 |
Average equity | $766,600 | 8,290 |
Average total loans | $3,446,400 | 8,210 |