Home > State Bank in Eden Valley > Performance and Condition Ratios
State Bank in Eden Valley, Performance and Condition Ratios
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 | 3.5709% | 4,633 |
Cost of funding earning assets | 0.1520% | 5,472 |
Net interest margin | 3.4189% | 3,777 |
Noninterest income to average assets | 0.1972% | 5,280 |
Noninterest expense to average assets | 2.8084% | 2,973 |
Loan and lease loss provision to assets | 0.0000% | 4,186 |
Net operating income to assets | 0.6705% | 4,000 |
Return on assets (ROA) | 0.8244% | 3,389 |
Pretax return on assets | 0.8244% | 4,233 |
Return on Equity (ROE) | 9.3983% | 2,307 |
Retained earnings to average equity (ytd only) | -6.2506% | 5,772 |
Net charge-offs to loans | 0.0000% | 3,952 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 80.7256% | 1,339 |
Assets per employee ($millions) | 4.4646% | 3,140 |
Cash dividends to net income (ytd only)* | 166.5076% | 116 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9957% | 4,442 |
Loan loss allowance to noncurrent loans | 765.0000% | 749 |
Noncurrent assets plus other real estate owned to assets | 0.5768% | 3,174 |
Noncurrent loans to loans | 0.1302% | 4,820 |
Net loans and leases to total assets | 42.5932% | 5,267 |
Net loans and leases to deposits | 46.3910% | 5,448 |
Net loans and leases to core deposits | 46.3910% | 5,500 |
Total domestic deposits to total assets | 91.8134% | 86 |
Equity capital to assets | 8.0886% | 5,710 |
Core capital (leverage) ratio | 8.8256% | 5,030 |
Tier 1 risk-based capital ratio | 13.3111% | 3,973 |
Total risk-based capital ratio | 14.0005% | 4,222 |
Memoranda: | ||
Average total assets | $33,802,500 | 5,712 |
Average earning assets | $32,446,500 | 5,679 |
Average equity | $2,965,000 | 5,824 |
Average total loans | $15,797,500 | 5,701 |
2016-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6086% | 4,562 |
Cost of funding earning assets | 0.1509% | 5,543 |
Net interest margin | 3.4577% | 3,652 |
Noninterest income to average assets | 0.3196% | 4,495 |
Noninterest expense to average assets | 2.8706% | 2,772 |
Loan and lease loss provision to assets | 0.0000% | 4,017 |
Net operating income to assets | 0.7659% | 3,473 |
Return on assets (ROA) | 0.9046% | 2,968 |
Pretax return on assets | 0.9046% | 3,935 |
Return on Equity (ROE) | 10.0323% | 2,038 |
Retained earnings to average equity (ytd only) | -9.9655% | 5,882 |
Net charge-offs to loans | 0.0000% | 3,689 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 78.9386% | 1,650 |
Assets per employee ($millions) | 3.6164% | 4,573 |
Cash dividends to net income (ytd only)* | 199.3333% | 105 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9963% | 4,558 |
Loan loss allowance to noncurrent loans | 84.5304% | 4,017 |
Noncurrent assets plus other real estate owned to assets | 1.1276% | 1,869 |
Noncurrent loans to loans | 1.1786% | 1,951 |
Net loans and leases to total assets | 46.7125% | 5,084 |
Net loans and leases to deposits | 51.4919% | 5,273 |
Net loans and leases to core deposits | 51.4919% | 5,382 |
Total domestic deposits to total assets | 90.7183% | 255 |
Equity capital to assets | 9.2233% | 5,049 |
Core capital (leverage) ratio | 9.2257% | 4,553 |
Tier 1 risk-based capital ratio | 13.7931% | 3,725 |
Total risk-based capital ratio | 14.5099% | 3,955 |
Memoranda: | ||
Average total assets | $33,164,330 | 5,796 |
Average earning assets | $31,813,000 | 5,756 |
Average equity | $2,990,330 | 5,893 |
Average total loans | $15,941,330 | 5,766 |
2016-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6615% | 4,445 |
Cost of funding earning assets | 0.1614% | 5,538 |
Net interest margin | 3.5001% | 3,477 |
Noninterest income to average assets | 0.3227% | 4,421 |
Noninterest expense to average assets | 2.7605% | 3,210 |
Loan and lease loss provision to assets | 0.1793% | 1,130 |
Net operating income to assets | 0.7529% | 3,470 |
Return on assets (ROA) | 0.7529% | 3,580 |
Pretax return on assets | 0.7529% | 4,358 |
Return on Equity (ROE) | 8.4436% | 2,684 |
Retained earnings to average equity (ytd only) | -21.9802% | 5,982 |
Net charge-offs to loans | 0.0493% | 2,054 |
Credit loss provision to net charge-offs | 750.0000% | 450 |
Earnings coverage of net charge-offs (x) | 39.0000% | 1,019 |
Efficiency ratio | 74.7573% | 2,363 |
Assets per employee ($millions) | 3.6031% | 4,642 |
Cash dividends to net income (ytd only)* | 360.3175% | 80 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0368% | 4,407 |
Loan loss allowance to noncurrent loans | 124.6269% | 3,150 |
Noncurrent assets plus other real estate owned to assets | 0.9868% | 2,237 |
Noncurrent loans to loans | 0.8319% | 2,762 |
Net loans and leases to total assets | 49.1581% | 4,879 |
Net loans and leases to deposits | 54.4880% | 5,073 |
Net loans and leases to core deposits | 54.4880% | 5,217 |
Total domestic deposits to total assets | 90.2183% | 521 |
Equity capital to assets | 9.0416% | 5,130 |
Core capital (leverage) ratio | 8.6183% | 5,273 |
Tier 1 risk-based capital ratio | 11.3483% | 5,312 |
Total risk-based capital ratio | 11.9954% | 5,546 |
Memoranda: | ||
Average total assets | $33,472,500 | 5,848 |
Average earning assets | $32,227,500 | 5,801 |
Average equity | $2,984,500 | 5,948 |
Average total loans | $16,233,500 | 5,814 |
2015-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7856% | 4,088 |
Cost of funding earning assets | 0.1612% | 5,601 |
Net interest margin | 3.6244% | 3,040 |
Noninterest income to average assets | 0.2908% | 4,812 |
Noninterest expense to average assets | 2.8021% | 3,221 |
Loan and lease loss provision to assets | -0.1212% | 5,883 |
Net operating income to assets | 1.0845% | 1,989 |
Return on assets (ROA) | 1.1026% | 1,983 |
Pretax return on assets | 1.1026% | 3,044 |
Return on Equity (ROE) | 12.3206% | 1,228 |
Retained earnings to average equity (ytd only) | 0.4400% | 5,339 |
Net charge-offs to loans | 0.2339% | 1,273 |
Credit loss provision to net charge-offs | -100.0000% | 5,143 |
Earnings coverage of net charge-offs (x) | 7.9500% | 3,021 |
Efficiency ratio | 74.4167% | 2,514 |
Assets per employee ($millions) | 3.8352% | 4,235 |
Cash dividends to net income (ytd only)* | 96.4286% | 463 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9353% | 4,938 |
Loan loss allowance to noncurrent loans | 173.8636% | 2,508 |
Noncurrent assets plus other real estate owned to assets | 0.6084% | 3,245 |
Noncurrent loans to loans | 0.5379% | 3,550 |
Net loans and leases to total assets | 46.9508% | 5,095 |
Net loans and leases to deposits | 51.5114% | 5,309 |
Net loans and leases to core deposits | 53.2025% | 5,358 |
Total domestic deposits to total assets | 91.1464% | 250 |
Equity capital to assets | 8.7986% | 5,307 |
Core capital (leverage) ratio | 9.1008% | 4,756 |
Tier 1 risk-based capital ratio | 14.4108% | 3,488 |
Total risk-based capital ratio | 15.1237% | 3,716 |
Memoranda: | ||
Average total assets | $33,011,400 | 5,909 |
Average earning assets | $31,646,400 | 5,864 |
Average equity | $2,954,400 | 6,009 |
Average total loans | $17,102,800 | 5,825 |
2015-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8759% | 3,827 |
Cost of funding earning assets | 0.1620% | 5,689 |
Net interest margin | 3.7139% | 2,704 |
Noninterest income to average assets | 0.3064% | 4,747 |
Noninterest expense to average assets | 2.7986% | 3,193 |
Loan and lease loss provision to assets | -0.2043% | 6,101 |
Net operating income to assets | 1.2706% | 1,423 |
Return on assets (ROA) | 1.2910% | 1,418 |
Pretax return on assets | 1.2910% | 2,427 |
Return on Equity (ROE) | 14.3611% | 831 |
Retained earnings to average equity (ytd only) | -1.8635% | 5,844 |
Net charge-offs to loans | -0.0617% | 5,612 |
Credit loss provision to net charge-offs | 625.0000% | 542 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 72.4101% | 2,808 |
Assets per employee ($millions) | 3.7753% | 4,311 |
Cash dividends to net income (ytd only)* | 112.9759% | 255 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1458% | 3,955 |
Loan loss allowance to noncurrent loans | 216.8539% | 2,115 |
Noncurrent assets plus other real estate owned to assets | 0.8064% | 2,873 |
Noncurrent loans to loans | 0.5284% | 3,761 |
Net loans and leases to total assets | 49.0052% | 5,016 |
Net loans and leases to deposits | 53.8414% | 5,260 |
Net loans and leases to core deposits | 55.6406% | 5,324 |
Total domestic deposits to total assets | 91.0177% | 239 |
Equity capital to assets | 8.8292% | 5,462 |
Core capital (leverage) ratio | 9.4173% | 4,406 |
Tier 1 risk-based capital ratio | 13.5877% | 4,089 |
Total risk-based capital ratio | 14.4489% | 4,246 |
Memoranda: | ||
Average total assets | $32,635,000 | 5,998 |
Average earning assets | $31,269,000 | 5,951 |
Average equity | $2,933,750 | 6,094 |
Average total loans | $17,288,750 | 5,891 |
2015-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9253% | 3,593 |
Cost of funding earning assets | 0.1557% | 5,810 |
Net interest margin | 3.7696% | 2,442 |
Noninterest income to average assets | 0.2983% | 4,823 |
Noninterest expense to average assets | 2.8334% | 3,121 |
Loan and lease loss provision to assets | 0.0373% | 3,371 |
Net operating income to assets | 1.0377% | 2,184 |
Return on assets (ROA) | 1.0501% | 2,252 |
Pretax return on assets | 1.0501% | 3,381 |
Return on Equity (ROE) | 11.6085% | 1,495 |
Retained earnings to average equity (ytd only) | -9.2730% | 6,164 |
Net charge-offs to loans | 0.0459% | 2,779 |
Credit loss provision to net charge-offs | 150.0000% | 1,529 |
Earnings coverage of net charge-offs (x) | 43.2500% | 1,069 |
Efficiency ratio | 72.4960% | 2,935 |
Assets per employee ($millions) | 3.4661% | 4,861 |
Cash dividends to net income (ytd only)* | 179.8817% | 128 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3572% | 2,947 |
Loan loss allowance to noncurrent loans | 903.8462% | 612 |
Noncurrent assets plus other real estate owned to assets | 0.6988% | 3,304 |
Noncurrent loans to loans | 0.1502% | 5,148 |
Net loans and leases to total assets | 54.7524% | 4,478 |
Net loans and leases to deposits | 62.2041% | 4,689 |
Net loans and leases to core deposits | 62.2041% | 4,935 |
Total domestic deposits to total assets | 88.0205% | 1,646 |
Equity capital to assets | 9.1361% | 5,101 |
Core capital (leverage) ratio | 9.2470% | 4,624 |
Tier 1 risk-based capital ratio | 15.1468% | 3,278 |
Total risk-based capital ratio | 16.3555% | 3,238 |
Memoranda: | ||
Average total assets | $32,187,330 | 6,072 |
Average earning assets | $30,825,670 | 6,032 |
Average equity | $2,911,670 | 6,159 |
Average total loans | $17,437,000 | 5,945 |
2015-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8657% | 3,764 |
Cost of funding earning assets | 0.1408% | 5,990 |
Net interest margin | 3.7249% | 2,534 |
Noninterest income to average assets | 0.2448% | 5,218 |
Noninterest expense to average assets | 2.6435% | 3,774 |
Loan and lease loss provision to assets | 0.0000% | 3,703 |
Net operating income to assets | 1.1627% | 1,658 |
Return on assets (ROA) | 1.1749% | 1,724 |
Pretax return on assets | 1.1749% | 2,760 |
Return on Equity (ROE) | 13.0501% | 1,077 |
Retained earnings to average equity (ytd only) | -17.6720% | 6,250 |
Net charge-offs to loans | 0.1372% | 1,426 |
Credit loss provision to net charge-offs | 0.0000% | 2,491 |
Earnings coverage of net charge-offs (x) | 15.8333% | 1,602 |
Efficiency ratio | 69.4534% | 3,586 |
Assets per employee ($millions) | 3.6144% | 4,695 |
Cash dividends to net income (ytd only)* | 235.4167% | 170 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3000% | 3,403 |
Loan loss allowance to noncurrent loans | 98.7013% | 3,716 |
Noncurrent assets plus other real estate owned to assets | 0.9253% | 2,782 |
Noncurrent loans to loans | 1.3171% | 2,181 |
Net loans and leases to total assets | 53.2124% | 4,532 |
Net loans and leases to deposits | 60.6687% | 4,693 |
Net loans and leases to core deposits | 60.6687% | 4,942 |
Total domestic deposits to total assets | 87.7098% | 1,982 |
Equity capital to assets | 9.0132% | 5,273 |
Core capital (leverage) ratio | 9.1547% | 4,785 |
Tier 1 risk-based capital ratio | 14.8480% | 3,511 |
Total risk-based capital ratio | 15.9956% | 3,507 |
Memoranda: | ||
Average total assets | $32,683,500 | 6,128 |
Average earning assets | $31,249,500 | 6,082 |
Average equity | $2,942,500 | 6,216 |
Average total loans | $17,498,000 | 5,995 |
2014-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9446% | 3,948 |
Cost of funding earning assets | 0.1882% | 5,848 |
Net interest margin | 3.7564% | 2,788 |
Noninterest income to average assets | 0.3528% | 4,582 |
Noninterest expense to average assets | 2.8828% | 3,199 |
Loan and lease loss provision to assets | -0.0795% | 6,106 |
Net operating income to assets | 1.1665% | 1,688 |
Return on assets (ROA) | 1.1569% | 1,810 |
Pretax return on assets | 1.1569% | 2,842 |
Return on Equity (ROE) | 13.1133% | 1,112 |
Retained earnings to average equity (ytd only) | -2.1976% | 6,031 |
Net charge-offs to loans | 0.0543% | 3,749 |
Credit loss provision to net charge-offs | -277.7778% | 5,691 |
Earnings coverage of net charge-offs (x) | 38.0000% | 1,129 |
Efficiency ratio | 72.6181% | 3,100 |
Assets per employee ($millions) | 3.6486% | 4,631 |
Cash dividends to net income (ytd only)* | 116.7582% | 225 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3346% | 3,252 |
Loan loss allowance to noncurrent loans | 213.7615% | 2,126 |
Noncurrent assets plus other real estate owned to assets | 0.5451% | 3,987 |
Noncurrent loans to loans | 0.6244% | 3,816 |
Net loans and leases to total assets | 52.4561% | 4,747 |
Net loans and leases to deposits | 59.6826% | 4,931 |
Net loans and leases to core deposits | 62.9546% | 4,926 |
Total domestic deposits to total assets | 87.8917% | 1,829 |
Equity capital to assets | 8.9929% | 5,296 |
Core capital (leverage) ratio | 9.6907% | 3,981 |
Tier 1 risk-based capital ratio | 16.0718% | 2,928 |
Total risk-based capital ratio | 17.2876% | 2,885 |
Memoranda: | ||
Average total assets | $31,462,600 | 6,223 |
Average earning assets | $30,294,800 | 6,178 |
Average equity | $2,775,800 | 6,309 |
Average total loans | $16,573,800 | 6,100 |
2014-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9482% | 3,976 |
Cost of funding earning assets | 0.1907% | 5,903 |
Net interest margin | 3.7574% | 2,783 |
Noninterest income to average assets | 0.3556% | 4,596 |
Noninterest expense to average assets | 2.9263% | 3,036 |
Loan and lease loss provision to assets | -0.1071% | 6,285 |
Net operating income to assets | 1.1654% | 1,805 |
Return on assets (ROA) | 1.1525% | 1,917 |
Pretax return on assets | 1.1525% | 2,974 |
Return on Equity (ROE) | 13.1305% | 1,191 |
Retained earnings to average equity (ytd only) | -7.6145% | 6,336 |
Net charge-offs to loans | 0.0571% | 3,402 |
Credit loss provision to net charge-offs | -357.1429% | 5,681 |
Earnings coverage of net charge-offs (x) | 35.2980% | 1,225 |
Efficiency ratio | 73.4409% | 2,912 |
Assets per employee ($millions) | 3.4413% | 4,973 |
Cash dividends to net income (ytd only)* | 157.9909% | 123 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4234% | 3,063 |
Loan loss allowance to noncurrent loans | 209.8214% | 2,074 |
Noncurrent assets plus other real estate owned to assets | 0.5876% | 4,081 |
Noncurrent loans to loans | 0.6784% | 3,914 |
Net loans and leases to total assets | 52.5475% | 4,748 |
Net loans and leases to deposits | 60.0842% | 4,932 |
Net loans and leases to core deposits | 64.2341% | 4,859 |
Total domestic deposits to total assets | 87.4564% | 2,054 |
Equity capital to assets | 9.1599% | 5,200 |
Core capital (leverage) ratio | 9.7209% | 4,047 |
Tier 1 risk-based capital ratio | 15.7603% | 3,180 |
Total risk-based capital ratio | 17.0011% | 3,123 |
Memoranda: | ||
Average total assets | $31,119,000 | 6,307 |
Average earning assets | $30,055,250 | 6,255 |
Average equity | $2,731,500 | 6,387 |
Average total loans | $16,352,750 | 6,172 |
2014-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9374% | 3,987 |
Cost of funding earning assets | 0.1999% | 5,915 |
Net interest margin | 3.7375% | 2,807 |
Noninterest income to average assets | 0.3658% | 4,511 |
Noninterest expense to average assets | 2.9453% | 3,023 |
Loan and lease loss provision to assets | -0.1604% | 6,437 |
Net operating income to assets | 1.1807% | 1,651 |
Return on assets (ROA) | 1.1614% | 1,786 |
Pretax return on assets | 1.1614% | 2,829 |
Return on Equity (ROE) | 13.4257% | 1,068 |
Retained earnings to average equity (ytd only) | -14.9092% | 6,493 |
Net charge-offs to loans | 0.1104% | 2,562 |
Credit loss provision to net charge-offs | -277.7778% | 5,454 |
Earnings coverage of net charge-offs (x) | 17.6667% | 1,721 |
Efficiency ratio | 74.2718% | 2,928 |
Assets per employee ($millions) | 2.9924% | 5,761 |
Cash dividends to net income (ytd only)* | 211.0497% | 113 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4496% | 3,111 |
Loan loss allowance to noncurrent loans | 1,950.0000% | 293 |
Noncurrent assets plus other real estate owned to assets | 0.2740% | 5,267 |
Noncurrent loans to loans | 0.0743% | 5,802 |
Net loans and leases to total assets | 53.1613% | 4,629 |
Net loans and leases to deposits | 59.0804% | 4,941 |
Net loans and leases to core deposits | 63.1872% | 4,889 |
Total domestic deposits to total assets | 89.9813% | 821 |
Equity capital to assets | 9.2100% | 5,096 |
Core capital (leverage) ratio | 9.4503% | 4,398 |
Tier 1 risk-based capital ratio | 15.6591% | 3,264 |
Total risk-based capital ratio | 16.9055% | 3,210 |
Memoranda: | ||
Average total assets | $31,168,000 | 6,365 |
Average earning assets | $30,019,670 | 6,316 |
Average equity | $2,696,330 | 6,446 |
Average total loans | $16,300,330 | 6,225 |
2014-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7253% | 4,755 |
Cost of funding earning assets | 0.1830% | 6,136 |
Net interest margin | 3.5423% | 3,512 |
Noninterest income to average assets | 0.3649% | 4,472 |
Noninterest expense to average assets | 2.7053% | 3,918 |
Loan and lease loss provision to assets | 0.0000% | 3,817 |
Net operating income to assets | 1.0695% | 1,932 |
Return on assets (ROA) | 1.0821% | 1,954 |
Pretax return on assets | 1.0821% | 2,990 |
Return on Equity (ROE) | 12.9008% | 1,182 |
Retained earnings to average equity (ytd only) | -31.8020% | 6,626 |
Net charge-offs to loans | 0.2686% | 1,268 |
Credit loss provision to net charge-offs | 0.0000% | 2,688 |
Earnings coverage of net charge-offs (x) | 7.7273% | 2,097 |
Efficiency ratio | 71.6667% | 3,547 |
Assets per employee ($millions) | 3.6550% | 4,617 |
Cash dividends to net income (ytd only)* | 346.5116% | 93 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6363% | 2,557 |
Loan loss allowance to noncurrent loans | 12,850.0000% | 66 |
Noncurrent assets plus other real estate owned to assets | 0.2979% | 5,272 |
Noncurrent loans to loans | 0.0127% | 6,132 |
Net loans and leases to total assets | 46.9646% | 5,235 |
Net loans and leases to deposits | 52.8279% | 5,397 |
Net loans and leases to core deposits | 55.6841% | 5,375 |
Total domestic deposits to total assets | 88.9010% | 1,724 |
Equity capital to assets | 7.9556% | 6,090 |
Core capital (leverage) ratio | 9.3025% | 4,574 |
Tier 1 risk-based capital ratio | 14.8590% | 3,783 |
Total risk-based capital ratio | 16.1120% | 3,736 |
Memoranda: | ||
Average total assets | $31,790,000 | 6,419 |
Average earning assets | $30,601,500 | 6,369 |
Average equity | $2,666,500 | 6,508 |
Average total loans | $16,379,500 | 6,290 |
2013-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1374% | 3,585 |
Cost of funding earning assets | 0.2756% | 5,793 |
Net interest margin | 3.8618% | 2,424 |
Noninterest income to average assets | 1.1596% | 1,050 |
Noninterest expense to average assets | 3.0677% | 2,842 |
Loan and lease loss provision to assets | -0.2339% | 6,626 |
Net operating income to assets | 2.0251% | 328 |
Return on assets (ROA) | 1.9182% | 392 |
Pretax return on assets | 1.9182% | 580 |
Return on Equity (ROE) | 21.0149% | 235 |
Retained earnings to average equity (ytd only) | 6.5900% | 1,635 |
Net charge-offs to loans | -0.2222% | 6,631 |
Credit loss provision to net charge-offs | 200.0000% | 1,140 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 63.1362% | 5,035 |
Assets per employee ($millions) | 3.4094% | 5,060 |
Cash dividends to net income (ytd only)* | 68.6411% | 1,367 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5716% | 2,879 |
Loan loss allowance to noncurrent loans | 2,680.0000% | 236 |
Noncurrent assets plus other real estate owned to assets | 0.3454% | 5,234 |
Noncurrent loans to loans | 0.0586% | 6,058 |
Net loans and leases to total assets | 54.7010% | 4,498 |
Net loans and leases to deposits | 64.9801% | 4,414 |
Net loans and leases to core deposits | 66.9232% | 4,624 |
Total domestic deposits to total assets | 84.1812% | 4,098 |
Equity capital to assets | 8.8512% | 5,197 |
Core capital (leverage) ratio | 10.4020% | 3,020 |
Tier 1 risk-based capital ratio | 16.6640% | 2,779 |
Total risk-based capital ratio | 17.9161% | 2,734 |
Memoranda: | ||
Average total assets | $29,924,400 | 6,515 |
Average earning assets | $28,665,600 | 6,476 |
Average equity | $2,731,400 | 6,585 |
Average total loans | $15,755,000 | 6,384 |
2013-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1217% | 3,674 |
Cost of funding earning assets | 0.2914% | 5,802 |
Net interest margin | 3.8303% | 2,539 |
Noninterest income to average assets | 1.2152% | 991 |
Noninterest expense to average assets | 3.1613% | 2,476 |
Loan and lease loss provision to assets | 0.0000% | 4,941 |
Net operating income to assets | 1.7084% | 622 |
Return on assets (ROA) | 1.6905% | 662 |
Pretax return on assets | 1.6905% | 1,117 |
Return on Equity (ROE) | 18.3767% | 410 |
Retained earnings to average equity (ytd only) | -0.8288% | 6,105 |
Net charge-offs to loans | -0.2678% | 6,707 |
Credit loss provision to net charge-offs | 0.0000% | 4,342 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 64.9171% | 4,664 |
Assets per employee ($millions) | 3.2600% | 5,362 |
Cash dividends to net income (ytd only)* | 104.5101% | 357 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1351% | 1,437 |
Loan loss allowance to noncurrent loans | 3,036.3636% | 197 |
Noncurrent assets plus other real estate owned to assets | 0.7635% | 4,198 |
Noncurrent loans to loans | 0.0703% | 6,128 |
Net loans and leases to total assets | 52.1779% | 4,856 |
Net loans and leases to deposits | 60.0329% | 4,966 |
Net loans and leases to core deposits | 61.2311% | 5,192 |
Total domestic deposits to total assets | 86.9155% | 2,743 |
Equity capital to assets | 8.6128% | 5,612 |
Core capital (leverage) ratio | 10.0481% | 3,605 |
Tier 1 risk-based capital ratio | 16.8817% | 2,759 |
Total risk-based capital ratio | 18.1375% | 2,716 |
Memoranda: | ||
Average total assets | $29,734,250 | 6,591 |
Average earning assets | $28,369,500 | 6,552 |
Average equity | $2,735,250 | 6,658 |
Average total loans | $15,430,500 | 6,461 |
2013-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1031% | 3,725 |
Cost of funding earning assets | 0.3032% | 5,804 |
Net interest margin | 3.8000% | 2,557 |
Noninterest income to average assets | 1.6474% | 592 |
Noninterest expense to average assets | 3.2948% | 2,084 |
Loan and lease loss provision to assets | 0.0000% | 4,788 |
Net operating income to assets | 1.9621% | 376 |
Return on assets (ROA) | 2.0157% | 370 |
Pretax return on assets | 2.0157% | 589 |
Return on Equity (ROE) | 21.4642% | 225 |
Retained earnings to average equity (ytd only) | -4.4925% | 6,427 |
Net charge-offs to loans | 0.0260% | 4,332 |
Credit loss provision to net charge-offs | 0.0000% | 4,003 |
Earnings coverage of net charge-offs (x) | 146.5000% | 338 |
Efficiency ratio | 62.6752% | 5,071 |
Assets per employee ($millions) | 3.2719% | 5,330 |
Cash dividends to net income (ytd only)* | 120.9302% | 335 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9199% | 2,057 |
Loan loss allowance to noncurrent loans | 246.7213% | 1,652 |
Noncurrent assets plus other real estate owned to assets | 1.1376% | 3,468 |
Noncurrent loans to loans | 0.7782% | 4,357 |
Net loans and leases to total assets | 52.2192% | 4,830 |
Net loans and leases to deposits | 58.5880% | 5,110 |
Net loans and leases to core deposits | 59.7235% | 5,285 |
Total domestic deposits to total assets | 89.1296% | 1,552 |
Equity capital to assets | 8.1774% | 6,072 |
Core capital (leverage) ratio | 9.6455% | 4,016 |
Tier 1 risk-based capital ratio | 16.2791% | 3,048 |
Total risk-based capital ratio | 17.5317% | 3,000 |
Memoranda: | ||
Average total assets | $29,865,670 | 6,638 |
Average earning assets | $28,368,670 | 6,602 |
Average equity | $2,804,670 | 6,693 |
Average total loans | $15,359,670 | 6,507 |
2013-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1346% | 3,576 |
Cost of funding earning assets | 0.3104% | 5,888 |
Net interest margin | 3.8242% | 2,363 |
Noninterest income to average assets | 1.1438% | 1,141 |
Noninterest expense to average assets | 3.4048% | 1,827 |
Loan and lease loss provision to assets | 0.0000% | 4,409 |
Net operating income to assets | 1.3433% | 1,165 |
Return on assets (ROA) | 1.4896% | 955 |
Pretax return on assets | 1.4896% | 1,586 |
Return on Equity (ROE) | 14.9184% | 787 |
Retained earnings to average equity (ytd only) | 12.5208% | 622 |
Net charge-offs to loans | 0.0789% | 3,047 |
Credit loss provision to net charge-offs | 0.0000% | 3,239 |
Earnings coverage of net charge-offs (x) | 33.6667% | 900 |
Efficiency ratio | 71.7087% | 3,673 |
Assets per employee ($millions) | 3.3633% | 5,298 |
Cash dividends to net income (ytd only)* | 16.0714% | 2,370 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9649% | 2,134 |
Loan loss allowance to noncurrent loans | 2,000.0000% | 259 |
Noncurrent assets plus other real estate owned to assets | 2.7816% | 1,629 |
Noncurrent loans to loans | 0.0982% | 6,184 |
Net loans and leases to total assets | 49.4483% | 5,056 |
Net loans and leases to deposits | 55.0173% | 5,344 |
Net loans and leases to core deposits | 56.0452% | 5,515 |
Total domestic deposits to total assets | 89.8778% | 1,124 |
Equity capital to assets | 9.9571% | 4,199 |
Core capital (leverage) ratio | 10.3395% | 2,984 |
Tier 1 risk-based capital ratio | 16.8023% | 2,858 |
Total risk-based capital ratio | 18.0563% | 2,820 |
Memoranda: | ||
Average total assets | $30,075,000 | 6,702 |
Average earning assets | $28,346,000 | 6,664 |
Average equity | $3,003,000 | 6,722 |
Average total loans | $15,200,500 | 6,574 |
2012-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7708% | 2,318 |
Cost of funding earning assets | 0.4142% | 5,823 |
Net interest margin | 4.3566% | 1,262 |
Noninterest income to average assets | 0.6377% | 3,066 |
Noninterest expense to average assets | 3.5795% | 1,660 |
Loan and lease loss provision to assets | 0.1409% | 3,847 |
Net operating income to assets | 0.9935% | 2,369 |
Return on assets (ROA) | 1.7792% | 596 |
Pretax return on assets | 1.7792% | 958 |
Return on Equity (ROE) | 17.0389% | 534 |
Retained earnings to average equity (ytd only) | 1.7208% | 5,001 |
Net charge-offs to loans | 0.0495% | 5,220 |
Credit loss provision to net charge-offs | 500.0000% | 481 |
Earnings coverage of net charge-offs (x) | 40.2500% | 796 |
Efficiency ratio | 75.9342% | 2,755 |
Assets per employee ($millions) | 3.3200% | 5,382 |
Cash dividends to net income (ytd only)* | 89.9010% | 706 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0022% | 2,011 |
Loan loss allowance to noncurrent loans | 369.5122% | 1,071 |
Noncurrent assets plus other real estate owned to assets | 3.6780% | 1,208 |
Noncurrent loans to loans | 0.5419% | 5,174 |
Net loans and leases to total assets | 49.6319% | 5,219 |
Net loans and leases to deposits | 55.2492% | 5,524 |
Net loans and leases to core deposits | 57.9455% | 5,546 |
Total domestic deposits to total assets | 89.8327% | 1,049 |
Equity capital to assets | 10.0134% | 4,147 |
Core capital (leverage) ratio | 10.0438% | 3,344 |
Tier 1 risk-based capital ratio | 16.3555% | 2,962 |
Total risk-based capital ratio | 17.6646% | 2,899 |
Memoranda: | ||
Average total assets | $28,383,800 | 6,795 |
Average earning assets | $26,557,400 | 6,752 |
Average equity | $2,963,800 | 6,791 |
Average total loans | $16,160,400 | 6,590 |
2012-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8751% | 2,105 |
Cost of funding earning assets | 0.4275% | 5,945 |
Net interest margin | 4.4477% | 1,095 |
Noninterest income to average assets | 0.6759% | 2,840 |
Noninterest expense to average assets | 3.5701% | 1,613 |
Loan and lease loss provision to assets | 0.1428% | 3,746 |
Net operating income to assets | 1.1234% | 2,011 |
Return on assets (ROA) | 2.0659% | 393 |
Pretax return on assets | 2.0659% | 610 |
Return on Equity (ROE) | 19.5705% | 357 |
Retained earnings to average equity (ytd only) | -0.6314% | 6,208 |
Net charge-offs to loans | -0.6010% | 7,103 |
Credit loss provision to net charge-offs | -40.5405% | 6,162 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 73.8189% | 3,019 |
Assets per employee ($millions) | 3.1676% | 5,701 |
Cash dividends to net income (ytd only)* | 103.2265% | 302 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.3826% | 1,393 |
Loan loss allowance to noncurrent loans | 267.8571% | 1,371 |
Noncurrent assets plus other real estate owned to assets | 4.2129% | 1,127 |
Noncurrent loans to loans | 0.8895% | 4,651 |
Net loans and leases to total assets | 53.8936% | 4,765 |
Net loans and leases to deposits | 60.2793% | 5,171 |
Net loans and leases to core deposits | 63.3855% | 5,217 |
Total domestic deposits to total assets | 89.4065% | 1,188 |
Equity capital to assets | 10.3760% | 3,978 |
Core capital (leverage) ratio | 10.4913% | 2,923 |
Tier 1 risk-based capital ratio | 15.5389% | 3,509 |
Total risk-based capital ratio | 16.8513% | 3,445 |
Memoranda: | ||
Average total assets | $28,009,750 | 6,891 |
Average earning assets | $26,200,250 | 6,845 |
Average equity | $2,956,750 | 6,883 |
Average total loans | $16,417,250 | 6,663 |
2012-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9827% | 1,830 |
Cost of funding earning assets | 0.4599% | 5,905 |
Net interest margin | 4.5227% | 953 |
Noninterest income to average assets | 0.8404% | 2,003 |
Noninterest expense to average assets | 3.3544% | 2,143 |
Loan and lease loss provision to assets | 0.1077% | 4,176 |
Net operating income to assets | 1.6162% | 814 |
Return on assets (ROA) | 2.6002% | 165 |
Pretax return on assets | 2.6002% | 260 |
Return on Equity (ROE) | 24.4898% | 161 |
Retained earnings to average equity (ytd only) | -2.7061% | 6,431 |
Net charge-offs to loans | -0.9133% | 7,174 |
Credit loss provision to net charge-offs | -19.7368% | 5,944 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 66.0537% | 4,523 |
Assets per employee ($millions) | 3.1167% | 5,807 |
Cash dividends to net income (ytd only)* | 111.0497% | 334 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1870% | 1,801 |
Loan loss allowance to noncurrent loans | 115.6550% | 2,822 |
Noncurrent assets plus other real estate owned to assets | 4.1355% | 1,211 |
Noncurrent loans to loans | 1.8910% | 3,089 |
Net loans and leases to total assets | 57.7184% | 4,217 |
Net loans and leases to deposits | 64.6307% | 4,682 |
Net loans and leases to core deposits | 68.0224% | 4,783 |
Total domestic deposits to total assets | 89.3048% | 1,330 |
Equity capital to assets | 10.5205% | 3,664 |
Core capital (leverage) ratio | 10.5381% | 2,766 |
Tier 1 risk-based capital ratio | 15.2097% | 3,624 |
Total risk-based capital ratio | 16.5191% | 3,557 |
Memoranda: | ||
Average total assets | $27,843,670 | 6,950 |
Average earning assets | $26,090,330 | 6,899 |
Average equity | $2,956,330 | 6,921 |
Average total loans | $16,643,330 | 6,708 |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0400% | 1,753 |
Cost of funding earning assets | 0.4917% | 5,867 |
Net interest margin | 4.5483% | 924 |
Noninterest income to average assets | 1.2689% | 883 |
Noninterest expense to average assets | 3.5183% | 1,720 |
Loan and lease loss provision to assets | 0.2163% | 2,777 |
Net operating income to assets | 1.8024% | 596 |
Return on assets (ROA) | 2.9127% | 135 |
Pretax return on assets | 2.9127% | 201 |
Return on Equity (ROE) | 27.3065% | 136 |
Retained earnings to average equity (ytd only) | -7.7053% | 6,749 |
Net charge-offs to loans | -1.6058% | 7,241 |
Credit loss provision to net charge-offs | -22.3881% | 5,380 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 63.5417% | 5,012 |
Assets per employee ($millions) | 3.0856% | 5,989 |
Cash dividends to net income (ytd only)* | 128.2178% | 388 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1382% | 2,006 |
Loan loss allowance to noncurrent loans | 84.6523% | 3,519 |
Noncurrent assets plus other real estate owned to assets | 4.1700% | 1,307 |
Noncurrent loans to loans | 2.5259% | 2,582 |
Net loans and leases to total assets | 58.1779% | 4,004 |
Net loans and leases to deposits | 65.1767% | 4,467 |
Net loans and leases to core deposits | 70.0759% | 4,409 |
Total domestic deposits to total assets | 89.2618% | 1,509 |
Equity capital to assets | 10.5618% | 3,417 |
Core capital (leverage) ratio | 10.3255% | 2,961 |
Tier 1 risk-based capital ratio | 13.7998% | 4,611 |
Total risk-based capital ratio | 15.1014% | 4,545 |
Memoranda: | ||
Average total assets | $27,740,500 | 7,006 |
Average earning assets | $26,031,500 | 6,955 |
Average equity | $2,959,000 | 6,970 |
Average total loans | $16,689,000 | 6,762 |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2982% | 1,703 |
Cost of funding earning assets | 0.6589% | 5,777 |
Net interest margin | 4.6393% | 851 |
Noninterest income to average assets | 0.4383% | 4,311 |
Noninterest expense to average assets | 3.4380% | 2,144 |
Loan and lease loss provision to assets | 0.6466% | 1,577 |
Net operating income to assets | 0.7041% | 3,468 |
Return on assets (ROA) | 1.4585% | 986 |
Pretax return on assets | 1.4585% | 1,605 |
Return on Equity (ROE) | 15.3428% | 693 |
Retained earnings to average equity (ytd only) | 15.3428% | 117 |
Net charge-offs to loans | 1.0778% | 1,602 |
Credit loss provision to net charge-offs | 96.7742% | 3,720 |
Earnings coverage of net charge-offs (x) | 2.0215% | 4,258 |
Efficiency ratio | 71.7929% | 3,617 |
Assets per employee ($millions) | 3.0790% | 5,938 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6065% | 3,562 |
Loan loss allowance to noncurrent loans | 46.0884% | 5,248 |
Noncurrent assets plus other real estate owned to assets | 5.1857% | 1,008 |
Noncurrent loans to loans | 3.4857% | 1,837 |
Net loans and leases to total assets | 59.8968% | 4,011 |
Net loans and leases to deposits | 67.2120% | 4,553 |
Net loans and leases to core deposits | 72.2846% | 4,475 |
Total domestic deposits to total assets | 89.1162% | 1,471 |
Equity capital to assets | 10.7719% | 3,226 |
Core capital (leverage) ratio | 10.5387% | 2,677 |
Tier 1 risk-based capital ratio | 13.4253% | 4,752 |
Total risk-based capital ratio | 14.6760% | 4,719 |
Memoranda: | ||
Average total assets | $27,836,000 | 7,027 |
Average earning assets | $26,103,200 | 6,982 |
Average equity | $2,646,200 | 7,084 |
Average total loans | $17,257,800 | 6,791 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3877% | 1,550 |
Cost of funding earning assets | 0.6983% | 5,775 |
Net interest margin | 4.6894% | 779 |
Noninterest income to average assets | 0.4354% | 4,399 |
Noninterest expense to average assets | 3.3826% | 2,241 |
Loan and lease loss provision to assets | 0.7894% | 1,186 |
Net operating income to assets | 0.6650% | 3,795 |
Return on assets (ROA) | 1.3827% | 1,270 |
Pretax return on assets | 1.3827% | 1,992 |
Return on Equity (ROE) | 15.0427% | 835 |
Retained earnings to average equity (ytd only) | 15.0427% | 227 |
Net charge-offs to loans | 0.1152% | 4,865 |
Credit loss provision to net charge-offs | 1,100.0000% | 245 |
Earnings coverage of net charge-offs (x) | 20.2660% | 1,227 |
Efficiency ratio | 69.9308% | 3,966 |
Assets per employee ($millions) | 3.0412% | 6,027 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.4740% | 1,432 |
Loan loss allowance to noncurrent loans | 54.8263% | 4,718 |
Noncurrent assets plus other real estate owned to assets | 4.2819% | 1,422 |
Noncurrent loans to loans | 4.5125% | 1,430 |
Net loans and leases to total assets | 61.3533% | 3,878 |
Net loans and leases to deposits | 68.8915% | 4,463 |
Net loans and leases to core deposits | 74.1642% | 4,426 |
Total domestic deposits to total assets | 89.0578% | 1,397 |
Equity capital to assets | 10.7340% | 3,435 |
Core capital (leverage) ratio | 10.1683% | 3,224 |
Tier 1 risk-based capital ratio | 14.9505% | 3,688 |
Total risk-based capital ratio | 16.2624% | 3,621 |
Memoranda: | ||
Average total assets | $27,867,250 | 7,096 |
Average earning assets | $26,157,500 | 7,053 |
Average equity | $2,561,500 | 7,174 |
Average total loans | $17,355,000 | 6,856 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.4400% | 1,447 |
Cost of funding earning assets | 0.7401% | 5,737 |
Net interest margin | 4.7000% | 726 |
Noninterest income to average assets | 0.3781% | 4,865 |
Noninterest expense to average assets | 3.3604% | 2,369 |
Loan and lease loss provision to assets | 0.4994% | 1,965 |
Net operating income to assets | 0.9132% | 2,580 |
Return on assets (ROA) | 1.2985% | 1,397 |
Pretax return on assets | 1.2985% | 2,142 |
Return on Equity (ROE) | 14.9425% | 815 |
Retained earnings to average equity (ytd only) | 14.9425% | 256 |
Net charge-offs to loans | 0.1954% | 3,981 |
Credit loss provision to net charge-offs | 411.7647% | 732 |
Earnings coverage of net charge-offs (x) | 11.6471% | 1,697 |
Efficiency ratio | 70.4036% | 4,032 |
Assets per employee ($millions) | 3.0511% | 5,976 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8438% | 2,846 |
Loan loss allowance to noncurrent loans | 53.6705% | 4,800 |
Noncurrent assets plus other real estate owned to assets | 4.0313% | 1,584 |
Noncurrent loans to loans | 3.4353% | 2,061 |
Net loans and leases to total assets | 63.7837% | 3,513 |
Net loans and leases to deposits | 70.9368% | 4,302 |
Net loans and leases to core deposits | 80.7738% | 3,680 |
Total domestic deposits to total assets | 89.9162% | 1,017 |
Equity capital to assets | 9.9709% | 4,194 |
Core capital (leverage) ratio | 9.8157% | 3,497 |
Tier 1 risk-based capital ratio | 13.9365% | 4,215 |
Total risk-based capital ratio | 15.2393% | 4,152 |
Memoranda: | ||
Average total assets | $28,032,670 | 7,161 |
Average earning assets | $26,213,000 | 7,119 |
Average equity | $2,436,000 | 7,260 |
Average total loans | $17,400,330 | 6,922 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.4092% | 1,531 |
Cost of funding earning assets | 0.7727% | 5,732 |
Net interest margin | 4.6365% | 804 |
Noninterest income to average assets | 0.7345% | 2,363 |
Noninterest expense to average assets | 3.4464% | 2,152 |
Loan and lease loss provision to assets | 0.8475% | 974 |
Net operating income to assets | 0.7627% | 3,203 |
Return on assets (ROA) | 0.7062% | 3,562 |
Pretax return on assets | 0.7062% | 4,284 |
Return on Equity (ROE) | 8.7527% | 2,588 |
Retained earnings to average equity (ytd only) | 8.7527% | 1,473 |
Net charge-offs to loans | 0.1630% | 3,504 |
Credit loss provision to net charge-offs | 857.1429% | 446 |
Earnings coverage of net charge-offs (x) | 16.2857% | 1,273 |
Efficiency ratio | 68.1564% | 4,627 |
Assets per employee ($millions) | 3.1288% | 5,874 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9522% | 2,536 |
Loan loss allowance to noncurrent loans | 34.4503% | 5,990 |
Noncurrent assets plus other real estate owned to assets | 5.9093% | 990 |
Noncurrent loans to loans | 5.6666% | 1,149 |
Net loans and leases to total assets | 58.6811% | 4,515 |
Net loans and leases to deposits | 64.0987% | 5,241 |
Net loans and leases to core deposits | 66.0194% | 5,508 |
Total domestic deposits to total assets | 91.5480% | 405 |
Equity capital to assets | 8.2993% | 6,165 |
Core capital (leverage) ratio | 9.1153% | 4,427 |
Tier 1 risk-based capital ratio | 13.3114% | 4,564 |
Total risk-based capital ratio | 14.6149% | 4,512 |
Memoranda: | ||
Average total assets | $28,319,000 | 7,204 |
Average earning assets | $26,399,500 | 7,162 |
Average equity | $2,285,000 | 7,344 |
Average total loans | $17,178,500 | 6,990 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.4932% | 2,314 |
Cost of funding earning assets | 1.1631% | 4,775 |
Net interest margin | 4.3301% | 1,712 |
Noninterest income to average assets | -0.2032% | 7,469 |
Noninterest expense to average assets | 3.7358% | 1,616 |
Loan and lease loss provision to assets | 1.4903% | 998 |
Net operating income to assets | -1.4699% | 6,904 |
Return on assets (ROA) | -0.8908% | 6,654 |
Pretax return on assets | -0.8908% | 6,573 |
Return on Equity (ROE) | -10.7015% | 6,756 |
Retained earnings to average equity (ytd only) | -10.7015% | 6,697 |
Net charge-offs to loans | 3.2880% | 466 |
Credit loss provision to net charge-offs | 69.5103% | 5,876 |
Earnings coverage of net charge-offs (x) | 0.0095% | 6,116 |
Efficiency ratio | 99.4590% | 794 |
Assets per employee ($millions) | 3.1643% | 5,745 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5768% | 3,674 |
Loan loss allowance to noncurrent loans | 34.4569% | 6,020 |
Noncurrent assets plus other real estate owned to assets | 4.4419% | 1,501 |
Noncurrent loans to loans | 4.5761% | 1,540 |
Net loans and leases to total assets | 60.4937% | 4,585 |
Net loans and leases to deposits | 66.9959% | 5,256 |
Net loans and leases to core deposits | 71.8372% | 5,231 |
Total domestic deposits to total assets | 90.2946% | 937 |
Equity capital to assets | 7.8409% | 6,649 |
Core capital (leverage) ratio | 8.5211% | 5,324 |
Tier 1 risk-based capital ratio | 12.7133% | 4,852 |
Total risk-based capital ratio | 14.0136% | 4,775 |
Memoranda: | ||
Average total assets | $29,525,000 | 7,219 |
Average earning assets | $26,996,800 | 7,196 |
Average equity | $2,457,600 | 7,405 |
Average total loans | $19,251,800 | 6,962 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.5598% | 2,214 |
Cost of funding earning assets | 1.2333% | 4,670 |
Net interest margin | 4.3265% | 1,751 |
Noninterest income to average assets | 0.4566% | 4,509 |
Noninterest expense to average assets | 4.4896% | 605 |
Loan and lease loss provision to assets | 1.8352% | 680 |
Net operating income to assets | -1.9427% | 7,224 |
Return on assets (ROA) | -1.3787% | 7,088 |
Pretax return on assets | -1.3787% | 7,004 |
Return on Equity (ROE) | -16.3365% | 7,140 |
Retained earnings to average equity (ytd only) | -16.3365% | 7,116 |
Net charge-offs to loans | 4.3069% | 255 |
Credit loss provision to net charge-offs | 64.4654% | 5,580 |
Earnings coverage of net charge-offs (x) | -0.0377% | 6,062 |
Efficiency ratio | 102.4515% | 671 |
Assets per employee ($millions) | 2.9836% | 6,182 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3928% | 4,500 |
Loan loss allowance to noncurrent loans | 34.3662% | 6,033 |
Noncurrent assets plus other real estate owned to assets | 5.3526% | 1,167 |
Noncurrent loans to loans | 4.0527% | 1,840 |
Net loans and leases to total assets | 57.8999% | 5,279 |
Net loans and leases to deposits | 64.7610% | 5,813 |
Net loans and leases to core deposits | 72.1023% | 5,498 |
Total domestic deposits to total assets | 89.4054% | 1,172 |
Equity capital to assets | 8.6875% | 6,036 |
Core capital (leverage) ratio | 8.4873% | 5,536 |
Tier 1 risk-based capital ratio | 12.1913% | 5,282 |
Total risk-based capital ratio | 13.4014% | 5,280 |
Memoranda: | ||
Average total assets | $29,786,500 | 7,301 |
Average earning assets | $27,026,500 | 7,276 |
Average equity | $2,513,750 | 7,489 |
Average total loans | $19,688,750 | 7,035 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.6351% | 2,004 |
Cost of funding earning assets | 1.3378% | 4,274 |
Net interest margin | 4.2974% | 1,789 |
Noninterest income to average assets | 0.4904% | 4,189 |
Noninterest expense to average assets | 4.7497% | 458 |
Loan and lease loss provision to assets | 2.1498% | 564 |
Net operating income to assets | -2.5462% | 7,427 |
Return on assets (ROA) | -2.4857% | 7,423 |
Pretax return on assets | -2.4857% | 7,363 |
Return on Equity (ROE) | -29.7467% | 7,433 |
Retained earnings to average equity (ytd only) | -29.7467% | 7,417 |
Net charge-offs to loans | 3.6057% | 401 |
Credit loss provision to net charge-offs | 86.9565% | 4,518 |
Earnings coverage of net charge-offs (x) | -0.1603% | 5,849 |
Efficiency ratio | 109.1049% | 564 |
Assets per employee ($millions) | 2.8521% | 6,448 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1453% | 1,876 |
Loan loss allowance to noncurrent loans | 44.4562% | 5,348 |
Noncurrent assets plus other real estate owned to assets | 5.7607% | 1,045 |
Noncurrent loans to loans | 4.8257% | 1,464 |
Net loans and leases to total assets | 67.3293% | 3,541 |
Net loans and leases to deposits | 75.4064% | 4,436 |
Net loans and leases to core deposits | 80.0692% | 4,686 |
Total domestic deposits to total assets | 89.2886% | 1,288 |
Equity capital to assets | 8.7900% | 5,766 |
Core capital (leverage) ratio | 8.1243% | 6,078 |
Tier 1 risk-based capital ratio | 11.1587% | 6,084 |
Total risk-based capital ratio | 12.4622% | 6,010 |
Memoranda: | ||
Average total assets | $29,770,000 | 7,351 |
Average earning assets | $26,760,670 | 7,346 |
Average equity | $2,487,670 | 7,552 |
Average total loans | $20,412,000 | 7,046 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.6820% | 1,843 |
Cost of funding earning assets | 1.3982% | 4,189 |
Net interest margin | 4.2838% | 1,739 |
Noninterest income to average assets | 0.5396% | 3,733 |
Noninterest expense to average assets | 3.3295% | 2,434 |
Loan and lease loss provision to assets | 1.8424% | 611 |
Net operating income to assets | -0.8423% | 7,025 |
Return on assets (ROA) | -0.7765% | 7,020 |
Pretax return on assets | -0.7765% | 6,938 |
Return on Equity (ROE) | -9.5238% | 7,118 |
Retained earnings to average equity (ytd only) | -9.5238% | 6,932 |
Net charge-offs to loans | 0.6152% | 2,275 |
Credit loss provision to net charge-offs | 437.5000% | 952 |
Earnings coverage of net charge-offs (x) | 2.3750% | 3,352 |
Efficiency ratio | 76.8997% | 3,073 |
Assets per employee ($millions) | 3.0220% | 6,163 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.8336% | 949 |
Loan loss allowance to noncurrent loans | 32.9150% | 6,214 |
Noncurrent assets plus other real estate owned to assets | 6.6612% | 839 |
Noncurrent loans to loans | 8.6088% | 592 |
Net loans and leases to total assets | 65.4732% | 3,995 |
Net loans and leases to deposits | 75.1120% | 4,558 |
Net loans and leases to core deposits | 80.7955% | 4,663 |
Total domestic deposits to total assets | 87.1674% | 2,539 |
Equity capital to assets | 8.1502% | 6,492 |
Core capital (leverage) ratio | 8.2324% | 5,864 |
Tier 1 risk-based capital ratio | 11.5005% | 5,671 |
Total risk-based capital ratio | 12.7666% | 5,632 |
Memoranda: | ||
Average total assets | $30,394,500 | 7,427 |
Average earning assets | $26,892,000 | 7,430 |
Average equity | $2,478,000 | 7,642 |
Average total loans | $20,806,000 | 7,106 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.0016% | 1,861 |
Cost of funding earning assets | 1.9067% | 3,429 |
Net interest margin | 4.0949% | 2,478 |
Noninterest income to average assets | 0.6086% | 3,559 |
Noninterest expense to average assets | 3.6065% | 2,120 |
Loan and lease loss provision to assets | 1.3589% | 1,698 |
Net operating income to assets | -0.6086% | 6,281 |
Return on assets (ROA) | -0.4154% | 6,094 |
Pretax return on assets | -0.4154% | 5,935 |
Return on Equity (ROE) | -4.7496% | 6,190 |
Retained earnings to average equity (ytd only) | -12.7393% | 6,740 |
Net charge-offs to loans | 0.6600% | 3,206 |
Credit loss provision to net charge-offs | 310.2941% | 1,062 |
Earnings coverage of net charge-offs (x) | 1.7132% | 4,456 |
Efficiency ratio | 82.7790% | 2,505 |
Assets per employee ($millions) | 3.0569% | 6,078 |
Cash dividends to net income (ytd only)* | -168.2171% | 7,928 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.2072% | 1,639 |
Loan loss allowance to noncurrent loans | 22.4832% | 6,941 |
Noncurrent assets plus other real estate owned to assets | 7.6744% | 618 |
Noncurrent loans to loans | 9.8169% | 427 |
Net loans and leases to total assets | 67.9774% | 3,706 |
Net loans and leases to deposits | 77.8977% | 4,396 |
Net loans and leases to core deposits | 90.3360% | 5,086 |
Total domestic deposits to total assets | 87.2649% | 2,348 |
Equity capital to assets | 8.1553% | 6,397 |
Core capital (leverage) ratio | 8.2636% | 5,695 |
Tier 1 risk-based capital ratio | 11.2175% | 5,696 |
Total risk-based capital ratio | 12.5202% | 5,595 |
Memoranda: | ||
Average total assets | $31,055,200 | 7,438 |
Average earning assets | $28,425,800 | 7,416 |
Average equity | $2,716,000 | 7,668 |
Average total loans | $20,607,600 | 7,160 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.0284% | 1,923 |
Cost of funding earning assets | 1.9894% | 3,414 |
Net interest margin | 4.0390% | 2,638 |
Noninterest income to average assets | 0.6287% | 3,508 |
Noninterest expense to average assets | 3.3144% | 2,854 |
Loan and lease loss provision to assets | 1.3771% | 1,394 |
Net operating income to assets | -0.3378% | 6,250 |
Return on assets (ROA) | -0.0855% | 5,904 |
Pretax return on assets | -0.0855% | 5,826 |
Return on Equity (ROE) | -0.9622% | 5,923 |
Retained earnings to average equity (ytd only) | -11.4487% | 6,913 |
Net charge-offs to loans | 1.0433% | 1,897 |
Credit loss provision to net charge-offs | 201.2500% | 2,220 |
Earnings coverage of net charge-offs (x) | 1.5187% | 4,645 |
Efficiency ratio | 76.1297% | 3,489 |
Assets per employee ($millions) | 2.8451% | 6,549 |
Cash dividends to net income (ytd only)* | -1,089.8388% | 8,082 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6454% | 2,822 |
Loan loss allowance to noncurrent loans | 16.9284% | 7,246 |
Noncurrent assets plus other real estate owned to assets | 7.5058% | 594 |
Noncurrent loans to loans | 9.7200% | 417 |
Net loans and leases to total assets | 65.8934% | 4,457 |
Net loans and leases to deposits | 78.8785% | 4,582 |
Net loans and leases to core deposits | 94.2117% | 4,995 |
Total domestic deposits to total assets | 83.5378% | 3,935 |
Equity capital to assets | 8.6720% | 6,000 |
Core capital (leverage) ratio | 8.5511% | 5,399 |
Tier 1 risk-based capital ratio | 11.6850% | 5,256 |
Total risk-based capital ratio | 12.9785% | 5,163 |
Memoranda: | ||
Average total assets | $31,176,750 | 7,497 |
Average earning assets | $28,752,000 | 7,472 |
Average equity | $2,771,750 | 7,727 |
Average total loans | $20,447,250 | 7,235 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.0928% | 1,814 |
Cost of funding earning assets | 2.0979% | 3,278 |
Net interest margin | 3.9949% | 2,718 |
Noninterest income to average assets | 0.6552% | 3,305 |
Noninterest expense to average assets | 3.2823% | 3,038 |
Loan and lease loss provision to assets | 1.8113% | 910 |
Net operating income to assets | -0.7322% | 6,775 |
Return on assets (ROA) | -0.6102% | 6,676 |
Pretax return on assets | -0.6102% | 6,536 |
Return on Equity (ROE) | -6.8076% | 6,778 |
Retained earnings to average equity (ytd only) | -22.3576% | 7,527 |
Net charge-offs to loans | 0.2861% | 3,761 |
Credit loss provision to net charge-offs | 972.4138% | 506 |
Earnings coverage of net charge-offs (x) | 5.7931% | 2,759 |
Efficiency ratio | 75.2577% | 3,837 |
Assets per employee ($millions) | 3.0546% | 5,986 |
Cash dividends to net income (ytd only)* | -228.4211% | 8,130 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0710% | 1,439 |
Loan loss allowance to noncurrent loans | 34.4392% | 6,153 |
Noncurrent assets plus other real estate owned to assets | 5.0907% | 1,030 |
Noncurrent loans to loans | 6.0134% | 908 |
Net loans and leases to total assets | 67.4949% | 4,249 |
Net loans and leases to deposits | 80.7908% | 4,424 |
Net loans and leases to core deposits | 94.7342% | 5,034 |
Total domestic deposits to total assets | 83.5429% | 3,992 |
Equity capital to assets | 8.5412% | 5,988 |
Core capital (leverage) ratio | 8.2040% | 5,979 |
Tier 1 risk-based capital ratio | 11.3384% | 5,559 |
Total risk-based capital ratio | 12.6248% | 5,430 |
Memoranda: | ||
Average total assets | $31,137,000 | 7,561 |
Average earning assets | $28,886,670 | 7,533 |
Average equity | $2,791,000 | 7,793 |
Average total loans | $20,274,000 | 7,308 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.8775% | 2,904 |
Cost of funding earning assets | 2.1546% | 3,396 |
Net interest margin | 3.7229% | 3,790 |
Noninterest income to average assets | 0.6617% | 3,121 |
Noninterest expense to average assets | 3.2450% | 2,814 |
Loan and lease loss provision to assets | 0.1145% | 5,502 |
Net operating income to assets | 0.7763% | 3,226 |
Return on assets (ROA) | 0.9926% | 2,479 |
Pretax return on assets | 0.9926% | 3,376 |
Return on Equity (ROE) | 10.8258% | 2,020 |
Retained earnings to average equity (ytd only) | -19.1534% | 7,619 |
Net charge-offs to loans | 0.3219% | 2,809 |
Credit loss provision to net charge-offs | 56.2500% | 4,583 |
Earnings coverage of net charge-offs (x) | 4.3750% | 2,901 |
Efficiency ratio | 78.4615% | 3,094 |
Assets per employee ($millions) | 2.8455% | 6,538 |
Cash dividends to net income (ytd only)* | 276.9231% | 174 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8727% | 6,863 |
Loan loss allowance to noncurrent loans | 22.6512% | 7,034 |
Noncurrent assets plus other real estate owned to assets | 3.4056% | 1,593 |
Noncurrent loans to loans | 3.8526% | 1,590 |
Net loans and leases to total assets | 63.8702% | 5,013 |
Net loans and leases to deposits | 79.1167% | 4,757 |
Net loans and leases to core deposits | 95.5869% | 5,013 |
Total domestic deposits to total assets | 80.7291% | 5,080 |
Equity capital to assets | 8.8336% | 5,571 |
Core capital (leverage) ratio | 8.7832% | 5,018 |
Tier 1 risk-based capital ratio | 12.5135% | 4,542 |
Total risk-based capital ratio | 13.3075% | 4,808 |
Memoranda: | ||
Average total assets | $31,432,500 | 7,592 |
Average earning assets | $29,332,000 | 7,550 |
Average equity | $2,882,000 | 7,819 |
Average total loans | $19,884,500 | 7,367 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.5542% | 2,699 |
Cost of funding earning assets | 2.4156% | 4,652 |
Net interest margin | 4.1386% | 2,543 |
Noninterest income to average assets | 0.7293% | 2,916 |
Noninterest expense to average assets | 2.9633% | 4,214 |
Loan and lease loss provision to assets | 0.1216% | 5,807 |
Net operating income to assets | 1.5507% | 926 |
Return on assets (ROA) | 1.5671% | 862 |
Pretax return on assets | 1.5671% | 1,494 |
Return on Equity (ROE) | 17.0041% | 634 |
Retained earnings to average equity (ytd only) | 2.7093% | 3,495 |
Net charge-offs to loans | 0.1528% | 4,674 |
Credit loss provision to net charge-offs | 123.3333% | 4,355 |
Earnings coverage of net charge-offs (x) | 16.9667% | 1,804 |
Efficiency ratio | 63.9263% | 5,581 |
Assets per employee ($millions) | 2.8695% | 6,390 |
Cash dividends to net income (ytd only)* | 84.0671% | 1,522 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9336% | 6,488 |
Loan loss allowance to noncurrent loans | 20.0878% | 7,236 |
Noncurrent assets plus other real estate owned to assets | 3.8018% | 1,123 |
Noncurrent loans to loans | 4.6477% | 1,015 |
Net loans and leases to total assets | 61.5195% | 5,694 |
Net loans and leases to deposits | 76.7449% | 5,503 |
Net loans and leases to core deposits | 93.8839% | 5,456 |
Total domestic deposits to total assets | 80.1609% | 4,956 |
Equity capital to assets | 9.5013% | 4,696 |
Core capital (leverage) ratio | 9.2202% | 4,412 |
Tier 1 risk-based capital ratio | 13.4255% | 3,861 |
Total risk-based capital ratio | 14.2692% | 4,011 |
Memoranda: | ||
Average total assets | $30,438,600 | 7,625 |
Average earning assets | $28,729,600 | 7,575 |
Average equity | $2,805,200 | 7,893 |
Average total loans | $19,633,800 | 7,350 |