Home > The State Bank of Ewen > Performance and Condition Ratios
The State Bank of Ewen, Performance and Condition Ratios
2017-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9656% | 3,152 |
Cost of funding earning assets | 0.6875% | 888 |
Net interest margin | 3.2780% | 4,090 |
Noninterest income to average assets | 0.2285% | 4,906 |
Noninterest expense to average assets | 2.3997% | 4,110 |
Loan and lease loss provision to assets | 0.0000% | 3,537 |
Net operating income to assets | 0.7872% | 3,279 |
Return on assets (ROA) | 0.7872% | 3,330 |
Pretax return on assets | 0.8253% | 4,012 |
Return on Equity (ROE) | 4.9024% | 4,431 |
Retained earnings to average equity (ytd only) | 4.9024% | 2,946 |
Net charge-offs to loans | 0.2406% | 744 |
Credit loss provision to net charge-offs | 0.0000% | 2,277 |
Earnings coverage of net charge-offs (x) | 10.0000% | 1,962 |
Efficiency ratio | 74.4094% | 2,162 |
Assets per employee ($millions) | 6.3099% | 1,289 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.3298% | 398 |
Loan loss allowance to noncurrent loans | 110.3982% | 3,450 |
Noncurrent assets plus other real estate owned to assets | 0.7686% | 2,380 |
Noncurrent loans to loans | 2.1104% | 828 |
Net loans and leases to total assets | 33.1527% | 5,493 |
Net loans and leases to deposits | 39.6471% | 5,478 |
Net loans and leases to core deposits | 41.2522% | 5,489 |
Total domestic deposits to total assets | 83.6194% | 3,614 |
Equity capital to assets | 16.2094% | 459 |
Core capital (leverage) ratio | 15.8213% | 484 |
Tier 1 risk-based capital ratio | 35.1851% | 321 |
Total risk-based capital ratio | 36.4498% | 315 |
Memoranda: | ||
Average total assets | $63,009,000 | 5,050 |
Average earning assets | $57,596,000 | 5,057 |
Average equity | $10,117,500 | 4,523 |
Average total loans | $21,613,500 | 5,416 |
2016-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9787% | 3,271 |
Cost of funding earning assets | 0.6860% | 879 |
Net interest margin | 3.2927% | 4,162 |
Noninterest income to average assets | 0.2310% | 5,027 |
Noninterest expense to average assets | 2.3271% | 4,496 |
Loan and lease loss provision to assets | 0.0000% | 4,332 |
Net operating income to assets | 0.8209% | 3,205 |
Return on assets (ROA) | 1.0722% | 2,130 |
Pretax return on assets | 1.2236% | 2,576 |
Return on Equity (ROE) | 6.7121% | 3,635 |
Retained earnings to average equity (ytd only) | 3.7811% | 3,225 |
Net charge-offs to loans | 0.6328% | 358 |
Credit loss provision to net charge-offs | 0.0000% | 3,785 |
Earnings coverage of net charge-offs (x) | 4.4851% | 3,490 |
Efficiency ratio | 71.2715% | 2,701 |
Assets per employee ($millions) | 6.2919% | 1,268 |
Cash dividends to net income (ytd only)* | 43.6681% | 2,667 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.3477% | 374 |
Loan loss allowance to noncurrent loans | 145.8689% | 2,864 |
Noncurrent assets plus other real estate owned to assets | 0.6326% | 2,822 |
Noncurrent loans to loans | 1.6094% | 1,222 |
Net loans and leases to total assets | 33.8483% | 5,549 |
Net loans and leases to deposits | 40.3559% | 5,538 |
Net loans and leases to core deposits | 42.2350% | 5,541 |
Total domestic deposits to total assets | 83.8745% | 3,469 |
Equity capital to assets | 15.9046% | 506 |
Core capital (leverage) ratio | 15.4070% | 542 |
Tier 1 risk-based capital ratio | 34.4271% | 338 |
Total risk-based capital ratio | 35.6840% | 332 |
Memoranda: | ||
Average total assets | $64,071,400 | 5,049 |
Average earning assets | $59,039,400 | 5,048 |
Average equity | $10,235,200 | 4,532 |
Average total loans | $21,175,800 | 5,483 |
2016-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9646% | 3,357 |
Cost of funding earning assets | 0.6839% | 886 |
Net interest margin | 3.2807% | 4,251 |
Noninterest income to average assets | 0.2403% | 5,038 |
Noninterest expense to average assets | 2.1939% | 4,782 |
Loan and lease loss provision to assets | 0.0000% | 4,186 |
Net operating income to assets | 0.9507% | 2,650 |
Return on assets (ROA) | 1.2534% | 1,549 |
Pretax return on assets | 1.4212% | 1,964 |
Return on Equity (ROE) | 7.8375% | 3,091 |
Retained earnings to average equity (ytd only) | 5.8942% | 2,245 |
Net charge-offs to loans | 0.6788% | 280 |
Credit loss provision to net charge-offs | 0.0000% | 3,412 |
Earnings coverage of net charge-offs (x) | 4.8599% | 3,214 |
Efficiency ratio | 67.0678% | 3,413 |
Assets per employee ($millions) | 6.5383% | 1,081 |
Cash dividends to net income (ytd only)* | 24.7939% | 3,035 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.4721% | 340 |
Loan loss allowance to noncurrent loans | 150.9804% | 2,772 |
Noncurrent assets plus other real estate owned to assets | 0.6179% | 3,055 |
Noncurrent loans to loans | 1.6374% | 1,311 |
Net loans and leases to total assets | 32.5222% | 5,663 |
Net loans and leases to deposits | 39.0065% | 5,656 |
Net loans and leases to core deposits | 40.7208% | 5,663 |
Total domestic deposits to total assets | 83.3764% | 3,457 |
Equity capital to assets | 16.0837% | 544 |
Core capital (leverage) ratio | 14.7979% | 668 |
Tier 1 risk-based capital ratio | 33.2822% | 373 |
Total risk-based capital ratio | 34.6057% | 370 |
Memoranda: | ||
Average total assets | $64,359,500 | 5,089 |
Average earning assets | $59,458,250 | 5,080 |
Average equity | $10,292,250 | 4,570 |
Average total loans | $21,017,500 | 5,536 |
2016-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9798% | 3,310 |
Cost of funding earning assets | 0.6820% | 879 |
Net interest margin | 3.2978% | 4,246 |
Noninterest income to average assets | 0.2593% | 4,925 |
Noninterest expense to average assets | 2.1431% | 4,972 |
Loan and lease loss provision to assets | 0.0000% | 4,017 |
Net operating income to assets | 1.0023% | 2,389 |
Return on assets (ROA) | 1.3121% | 1,337 |
Pretax return on assets | 1.5089% | 1,646 |
Return on Equity (ROE) | 8.2211% | 2,874 |
Retained earnings to average equity (ytd only) | 5.2850% | 2,557 |
Net charge-offs to loans | 0.5011% | 439 |
Credit loss provision to net charge-offs | 0.0000% | 3,050 |
Earnings coverage of net charge-offs (x) | 7.0962% | 2,670 |
Efficiency ratio | 65.0237% | 3,845 |
Assets per employee ($millions) | 6.5206% | 1,075 |
Cash dividends to net income (ytd only)* | 35.7143% | 2,611 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.7853% | 256 |
Loan loss allowance to noncurrent loans | 128.8503% | 3,172 |
Noncurrent assets plus other real estate owned to assets | 0.7561% | 2,711 |
Noncurrent loans to loans | 2.1617% | 884 |
Net loans and leases to total assets | 31.7946% | 5,746 |
Net loans and leases to deposits | 38.0620% | 5,743 |
Net loans and leases to core deposits | 39.7751% | 5,753 |
Total domestic deposits to total assets | 83.5337% | 3,448 |
Equity capital to assets | 15.9387% | 555 |
Core capital (leverage) ratio | 14.5726% | 703 |
Tier 1 risk-based capital ratio | 31.9236% | 419 |
Total risk-based capital ratio | 33.2686% | 413 |
Memoranda: | ||
Average total assets | $64,018,330 | 5,145 |
Average earning assets | $58,948,330 | 5,140 |
Average equity | $10,217,670 | 4,608 |
Average total loans | $20,755,670 | 5,608 |
2016-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0358% | 3,090 |
Cost of funding earning assets | 0.6726% | 933 |
Net interest margin | 3.3632% | 3,997 |
Noninterest income to average assets | 0.3027% | 4,563 |
Noninterest expense to average assets | 2.1317% | 5,050 |
Loan and lease loss provision to assets | 0.0000% | 3,656 |
Net operating income to assets | 1.0984% | 1,907 |
Return on assets (ROA) | 1.2740% | 1,420 |
Pretax return on assets | 1.4632% | 1,708 |
Return on Equity (ROE) | 7.9763% | 2,924 |
Retained earnings to average equity (ytd only) | 7.9763% | 1,462 |
Net charge-offs to loans | 0.3713% | 596 |
Credit loss provision to net charge-offs | 0.0000% | 2,416 |
Earnings coverage of net charge-offs (x) | 10.5263% | 1,916 |
Efficiency ratio | 62.8253% | 4,322 |
Assets per employee ($millions) | 6.6520% | 1,032 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.0815% | 204 |
Loan loss allowance to noncurrent loans | 136.8996% | 2,949 |
Noncurrent assets plus other real estate owned to assets | 0.7366% | 2,875 |
Noncurrent loans to loans | 2.2509% | 899 |
Net loans and leases to total assets | 29.6452% | 5,832 |
Net loans and leases to deposits | 35.2193% | 5,845 |
Net loans and leases to core deposits | 36.5836% | 5,845 |
Total domestic deposits to total assets | 84.1732% | 3,452 |
Equity capital to assets | 15.4405% | 614 |
Core capital (leverage) ratio | 15.2233% | 569 |
Tier 1 risk-based capital ratio | 32.3626% | 416 |
Total risk-based capital ratio | 33.6705% | 404 |
Memoranda: | ||
Average total assets | $63,424,500 | 5,211 |
Average earning assets | $58,278,500 | 5,209 |
Average equity | $10,130,000 | 4,640 |
Average total loans | $20,470,500 | 5,666 |
2015-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3732% | 1,989 |
Cost of funding earning assets | 0.6966% | 834 |
Net interest margin | 3.6766% | 2,846 |
Noninterest income to average assets | 0.2237% | 5,259 |
Noninterest expense to average assets | 2.3368% | 4,684 |
Loan and lease loss provision to assets | 0.0508% | 3,306 |
Net operating income to assets | 1.0988% | 1,935 |
Return on assets (ROA) | 1.1049% | 1,969 |
Pretax return on assets | 1.2235% | 2,580 |
Return on Equity (ROE) | 6.6079% | 3,726 |
Retained earnings to average equity (ytd only) | 3.5674% | 3,524 |
Net charge-offs to loans | 0.1838% | 1,565 |
Credit loss provision to net charge-offs | 81.0811% | 2,930 |
Earnings coverage of net charge-offs (x) | 20.2162% | 1,893 |
Efficiency ratio | 64.8331% | 4,110 |
Assets per employee ($millions) | 6.0329% | 1,364 |
Cash dividends to net income (ytd only)* | 46.0123% | 2,531 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.1368% | 195 |
Loan loss allowance to noncurrent loans | 123.5182% | 3,198 |
Noncurrent assets plus other real estate owned to assets | 0.9780% | 2,245 |
Noncurrent loans to loans | 2.5396% | 718 |
Net loans and leases to total assets | 33.0654% | 5,805 |
Net loans and leases to deposits | 39.8029% | 5,777 |
Net loans and leases to core deposits | 41.5289% | 5,777 |
Total domestic deposits to total assets | 83.0728% | 3,821 |
Equity capital to assets | 16.5575% | 459 |
Core capital (leverage) ratio | 15.4179% | 550 |
Tier 1 risk-based capital ratio | 33.7196% | 372 |
Total risk-based capital ratio | 34.9616% | 367 |
Memoranda: | ||
Average total assets | $59,012,000 | 5,342 |
Average earning assets | $54,262,000 | 5,335 |
Average equity | $9,867,000 | 4,675 |
Average total loans | $20,128,800 | 5,717 |
2015-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3674% | 2,022 |
Cost of funding earning assets | 0.6974% | 850 |
Net interest margin | 3.6700% | 2,886 |
Noninterest income to average assets | 0.2204% | 5,336 |
Noninterest expense to average assets | 2.2993% | 4,781 |
Loan and lease loss provision to assets | 0.0682% | 2,816 |
Net operating income to assets | 1.0769% | 2,108 |
Return on assets (ROA) | 1.0769% | 2,191 |
Pretax return on assets | 1.2246% | 2,713 |
Return on Equity (ROE) | 6.4248% | 3,950 |
Retained earnings to average equity (ytd only) | 4.3917% | 3,348 |
Net charge-offs to loans | 0.1533% | 1,610 |
Credit loss provision to net charge-offs | 130.4348% | 1,874 |
Earnings coverage of net charge-offs (x) | 24.7359% | 1,683 |
Efficiency ratio | 64.0101% | 4,243 |
Assets per employee ($millions) | 5.4875% | 1,798 |
Cash dividends to net income (ytd only)* | 31.6466% | 2,740 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.2356% | 192 |
Loan loss allowance to noncurrent loans | 106.9692% | 3,534 |
Noncurrent assets plus other real estate owned to assets | 1.0801% | 2,201 |
Noncurrent loans to loans | 3.0248% | 577 |
Net loans and leases to total assets | 32.6994% | 5,902 |
Net loans and leases to deposits | 39.3313% | 5,888 |
Net loans and leases to core deposits | 41.2437% | 5,878 |
Total domestic deposits to total assets | 83.1384% | 3,758 |
Equity capital to assets | 16.4392% | 501 |
Core capital (leverage) ratio | 15.6341% | 541 |
Tier 1 risk-based capital ratio | 33.1541% | 409 |
Total risk-based capital ratio | 34.2934% | 404 |
Memoranda: | ||
Average total assets | $58,682,750 | 5,419 |
Average earning assets | $53,913,000 | 5,411 |
Average equity | $9,836,500 | 4,744 |
Average total loans | $20,012,500 | 5,793 |
2015-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3678% | 1,955 |
Cost of funding earning assets | 0.6973% | 853 |
Net interest margin | 3.6704% | 2,835 |
Noninterest income to average assets | 0.2168% | 5,400 |
Noninterest expense to average assets | 2.2745% | 4,910 |
Loan and lease loss provision to assets | 0.0860% | 2,391 |
Net operating income to assets | 1.0634% | 2,087 |
Return on assets (ROA) | 1.0873% | 2,091 |
Pretax return on assets | 1.2525% | 2,540 |
Return on Equity (ROE) | 6.4439% | 3,906 |
Retained earnings to average equity (ytd only) | 3.3851% | 3,880 |
Net charge-offs to loans | 0.2213% | 1,156 |
Credit loss provision to net charge-offs | 113.6364% | 1,878 |
Earnings coverage of net charge-offs (x) | 17.3182% | 1,861 |
Efficiency ratio | 63.4357% | 4,439 |
Assets per employee ($millions) | 5.2468% | 1,988 |
Cash dividends to net income (ytd only)* | 47.4684% | 2,047 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.3138% | 189 |
Loan loss allowance to noncurrent loans | 88.7686% | 3,985 |
Noncurrent assets plus other real estate owned to assets | 1.3411% | 1,869 |
Noncurrent loans to loans | 3.7331% | 452 |
Net loans and leases to total assets | 33.1630% | 5,930 |
Net loans and leases to deposits | 40.0201% | 5,899 |
Net loans and leases to core deposits | 41.8315% | 5,905 |
Total domestic deposits to total assets | 82.8658% | 3,998 |
Equity capital to assets | 16.7721% | 439 |
Core capital (leverage) ratio | 15.6573% | 521 |
Tier 1 risk-based capital ratio | 34.8162% | 369 |
Total risk-based capital ratio | 35.9682% | 369 |
Memoranda: | ||
Average total assets | $58,123,000 | 5,485 |
Average earning assets | $53,345,330 | 5,479 |
Average equity | $9,807,670 | 4,786 |
Average total loans | $19,884,000 | 5,856 |
2015-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3639% | 1,890 |
Cost of funding earning assets | 0.6922% | 883 |
Net interest margin | 3.6717% | 2,728 |
Noninterest income to average assets | 0.2400% | 5,256 |
Noninterest expense to average assets | 2.2357% | 5,059 |
Loan and lease loss provision to assets | 0.1029% | 1,980 |
Net operating income to assets | 1.1727% | 1,624 |
Return on assets (ROA) | 1.1727% | 1,729 |
Pretax return on assets | 1.2481% | 2,478 |
Return on Equity (ROE) | 6.9290% | 3,546 |
Retained earnings to average equity (ytd only) | 6.9290% | 2,040 |
Net charge-offs to loans | 0.8029% | 293 |
Credit loss provision to net charge-offs | 37.5000% | 2,201 |
Earnings coverage of net charge-offs (x) | 4.9250% | 2,436 |
Efficiency ratio | 62.3327% | 4,744 |
Assets per employee ($millions) | 5.4025% | 1,879 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.1615% | 253 |
Loan loss allowance to noncurrent loans | 158.5859% | 2,669 |
Noncurrent assets plus other real estate owned to assets | 0.7252% | 3,320 |
Noncurrent loans to loans | 1.9936% | 1,310 |
Net loans and leases to total assets | 32.3686% | 5,987 |
Net loans and leases to deposits | 39.2435% | 5,940 |
Net loans and leases to core deposits | 40.9686% | 5,940 |
Total domestic deposits to total assets | 82.4813% | 4,357 |
Equity capital to assets | 16.8153% | 455 |
Core capital (leverage) ratio | 16.1090% | 451 |
Tier 1 risk-based capital ratio | 31.5059% | 477 |
Total risk-based capital ratio | 32.8026% | 471 |
Memoranda: | ||
Average total assets | $58,327,000 | 5,535 |
Average earning assets | $53,163,000 | 5,534 |
Average equity | $9,871,500 | 4,812 |
Average total loans | $19,928,000 | 5,900 |
2014-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5551% | 1,680 |
Cost of funding earning assets | 0.7164% | 1,026 |
Net interest margin | 3.8387% | 2,477 |
Noninterest income to average assets | 0.2692% | 5,198 |
Noninterest expense to average assets | 2.3537% | 4,964 |
Loan and lease loss provision to assets | 0.1470% | 1,796 |
Net operating income to assets | 1.1618% | 1,712 |
Return on assets (ROA) | 1.1618% | 1,786 |
Pretax return on assets | 1.2893% | 2,280 |
Return on Equity (ROE) | 6.9784% | 3,647 |
Retained earnings to average equity (ytd only) | 3.7871% | 3,529 |
Net charge-offs to loans | 0.2401% | 1,765 |
Credit loss provision to net charge-offs | 176.5957% | 1,375 |
Earnings coverage of net charge-offs (x) | 17.2553% | 1,938 |
Efficiency ratio | 62.1028% | 4,900 |
Assets per employee ($millions) | 5.2024% | 2,071 |
Cash dividends to net income (ytd only)* | 45.7317% | 2,521 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.2713% | 222 |
Loan loss allowance to noncurrent loans | 98.9410% | 3,745 |
Noncurrent assets plus other real estate owned to assets | 1.1551% | 2,455 |
Noncurrent loans to loans | 3.3063% | 642 |
Net loans and leases to total assets | 33.7923% | 6,046 |
Net loans and leases to deposits | 41.0687% | 5,997 |
Net loans and leases to core deposits | 42.9457% | 5,995 |
Total domestic deposits to total assets | 82.2825% | 4,319 |
Equity capital to assets | 17.0377% | 410 |
Core capital (leverage) ratio | 15.9875% | 469 |
Tier 1 risk-based capital ratio | 34.9875% | 341 |
Total risk-based capital ratio | 36.2680% | 336 |
Memoranda: | ||
Average total assets | $56,465,400 | 5,641 |
Average earning assets | $51,788,600 | 5,625 |
Average equity | $9,400,400 | 4,886 |
Average total loans | $19,577,000 | 5,977 |
2014-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5055% | 1,849 |
Cost of funding earning assets | 0.7084% | 1,114 |
Net interest margin | 3.7971% | 2,630 |
Noninterest income to average assets | 0.2890% | 5,132 |
Noninterest expense to average assets | 2.2934% | 5,130 |
Loan and lease loss provision to assets | 0.1493% | 1,675 |
Net operating income to assets | 1.2036% | 1,669 |
Return on assets (ROA) | 1.2036% | 1,737 |
Pretax return on assets | 1.3386% | 2,241 |
Return on Equity (ROE) | 7.2728% | 3,570 |
Retained earnings to average equity (ytd only) | 5.1253% | 3,001 |
Net charge-offs to loans | 0.1095% | 2,705 |
Credit loss provision to net charge-offs | 393.7500% | 711 |
Earnings coverage of net charge-offs (x) | 39.2550% | 1,145 |
Efficiency ratio | 60.6516% | 5,100 |
Assets per employee ($millions) | 5.2632% | 1,943 |
Cash dividends to net income (ytd only)* | 29.5281% | 2,827 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.4199% | 244 |
Loan loss allowance to noncurrent loans | 101.5267% | 3,646 |
Noncurrent assets plus other real estate owned to assets | 1.1314% | 2,692 |
Noncurrent loans to loans | 3.3685% | 730 |
Net loans and leases to total assets | 32.4380% | 6,166 |
Net loans and leases to deposits | 39.2272% | 6,144 |
Net loans and leases to core deposits | 42.4177% | 6,105 |
Total domestic deposits to total assets | 82.6928% | 4,238 |
Equity capital to assets | 16.6837% | 471 |
Core capital (leverage) ratio | 16.0845% | 465 |
Tier 1 risk-based capital ratio | 34.9897% | 352 |
Total risk-based capital ratio | 36.2548% | 347 |
Memoranda: | ||
Average total assets | $56,275,250 | 5,709 |
Average earning assets | $51,757,250 | 5,686 |
Average equity | $9,313,000 | 4,945 |
Average total loans | $19,473,250 | 6,048 |
2014-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4959% | 1,842 |
Cost of funding earning assets | 0.7181% | 1,100 |
Net interest margin | 3.7778% | 2,647 |
Noninterest income to average assets | 0.3122% | 4,923 |
Noninterest expense to average assets | 2.3432% | 5,047 |
Loan and lease loss provision to assets | 0.1435% | 1,723 |
Net operating income to assets | 1.1806% | 1,653 |
Return on assets (ROA) | 1.1806% | 1,726 |
Pretax return on assets | 1.2990% | 2,252 |
Return on Equity (ROE) | 7.1540% | 3,548 |
Retained earnings to average equity (ytd only) | 3.8923% | 3,703 |
Net charge-offs to loans | 0.0924% | 2,762 |
Credit loss provision to net charge-offs | 444.4444% | 640 |
Earnings coverage of net charge-offs (x) | 44.6667% | 977 |
Efficiency ratio | 61.8957% | 5,030 |
Assets per employee ($millions) | 5.0941% | 2,098 |
Cash dividends to net income (ytd only)* | 45.5927% | 2,128 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.3231% | 272 |
Loan loss allowance to noncurrent loans | 101.7241% | 3,606 |
Noncurrent assets plus other real estate owned to assets | 1.1386% | 2,801 |
Noncurrent loans to loans | 3.2668% | 854 |
Net loans and leases to total assets | 33.6950% | 6,167 |
Net loans and leases to deposits | 40.7815% | 6,119 |
Net loans and leases to core deposits | 44.0096% | 6,065 |
Total domestic deposits to total assets | 82.6234% | 4,439 |
Equity capital to assets | 16.8359% | 437 |
Core capital (leverage) ratio | 16.1351% | 458 |
Tier 1 risk-based capital ratio | 35.1839% | 341 |
Total risk-based capital ratio | 36.4540% | 337 |
Memoranda: | ||
Average total assets | $55,735,330 | 5,769 |
Average earning assets | $51,247,000 | 5,749 |
Average equity | $9,197,670 | 4,983 |
Average total loans | $19,482,670 | 6,098 |
2014-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5472% | 1,656 |
Cost of funding earning assets | 0.7316% | 1,067 |
Net interest margin | 3.8156% | 2,406 |
Noninterest income to average assets | 0.3742% | 4,392 |
Noninterest expense to average assets | 2.3603% | 5,036 |
Loan and lease loss provision to assets | 0.1583% | 1,537 |
Net operating income to assets | 1.2161% | 1,441 |
Return on assets (ROA) | 1.2161% | 1,498 |
Pretax return on assets | 1.3457% | 1,932 |
Return on Equity (ROE) | 7.4453% | 3,239 |
Retained earnings to average equity (ytd only) | 7.4453% | 1,845 |
Net charge-offs to loans | -0.1233% | 6,203 |
Credit loss provision to net charge-offs | -366.6667% | 5,105 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 61.0801% | 5,257 |
Assets per employee ($millions) | 5.1260% | 2,095 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.3705% | 302 |
Loan loss allowance to noncurrent loans | 127.8656% | 3,008 |
Noncurrent assets plus other real estate owned to assets | 0.8974% | 3,496 |
Noncurrent loans to loans | 2.6360% | 1,297 |
Net loans and leases to total assets | 32.8965% | 6,234 |
Net loans and leases to deposits | 39.4870% | 6,189 |
Net loans and leases to core deposits | 42.7554% | 6,134 |
Total domestic deposits to total assets | 83.3097% | 4,494 |
Equity capital to assets | 16.3924% | 474 |
Core capital (leverage) ratio | 16.3176% | 443 |
Tier 1 risk-based capital ratio | 36.1614% | 313 |
Total risk-based capital ratio | 37.4262% | 307 |
Memoranda: | ||
Average total assets | $55,585,500 | 5,826 |
Average earning assets | $50,844,500 | 5,818 |
Average equity | $9,079,500 | 5,028 |
Average total loans | $19,459,000 | 6,156 |
2013-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7181% | 1,522 |
Cost of funding earning assets | 0.7555% | 1,472 |
Net interest margin | 3.9626% | 2,058 |
Noninterest income to average assets | 0.2462% | 5,581 |
Noninterest expense to average assets | 2.4487% | 4,935 |
Loan and lease loss provision to assets | 0.2406% | 1,500 |
Net operating income to assets | 1.1475% | 1,765 |
Return on assets (ROA) | 1.1457% | 1,838 |
Pretax return on assets | 1.2049% | 2,559 |
Return on Equity (ROE) | 6.8218% | 3,662 |
Retained earnings to average equity (ytd only) | 3.5156% | 3,726 |
Net charge-offs to loans | 1.0801% | 524 |
Credit loss provision to net charge-offs | 61.0329% | 3,530 |
Earnings coverage of net charge-offs (x) | 3.6714% | 3,789 |
Efficiency ratio | 62.8504% | 5,078 |
Assets per employee ($millions) | 4.9805% | 2,200 |
Cash dividends to net income (ytd only)* | 48.4653% | 2,349 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.1336% | 404 |
Loan loss allowance to noncurrent loans | 98.4076% | 3,654 |
Noncurrent assets plus other real estate owned to assets | 1.2832% | 2,854 |
Noncurrent loans to loans | 3.1843% | 1,065 |
Net loans and leases to total assets | 34.8709% | 6,251 |
Net loans and leases to deposits | 41.7556% | 6,241 |
Net loans and leases to core deposits | 45.3088% | 6,171 |
Total domestic deposits to total assets | 83.5119% | 4,358 |
Equity capital to assets | 16.2745% | 490 |
Core capital (leverage) ratio | 16.0072% | 469 |
Tier 1 risk-based capital ratio | 34.2086% | 359 |
Total risk-based capital ratio | 35.4710% | 349 |
Memoranda: | ||
Average total assets | $54,028,000 | 5,915 |
Average earning assets | $49,765,800 | 5,899 |
Average equity | $9,073,800 | 5,066 |
Average total loans | $19,720,800 | 6,217 |
2013-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7119% | 1,566 |
Cost of funding earning assets | 0.7522% | 1,592 |
Net interest margin | 3.9597% | 2,077 |
Noninterest income to average assets | 0.2427% | 5,700 |
Noninterest expense to average assets | 2.4146% | 4,982 |
Loan and lease loss provision to assets | 0.2229% | 1,632 |
Net operating income to assets | 1.1491% | 1,818 |
Return on assets (ROA) | 1.1491% | 1,894 |
Pretax return on assets | 1.2556% | 2,495 |
Return on Equity (ROE) | 6.7885% | 3,766 |
Retained earnings to average equity (ytd only) | 4.5940% | 3,405 |
Net charge-offs to loans | 1.1021% | 512 |
Credit loss provision to net charge-offs | 55.2147% | 3,394 |
Earnings coverage of net charge-offs (x) | 3.6625% | 3,641 |
Efficiency ratio | 62.0229% | 5,136 |
Assets per employee ($millions) | 5.0215% | 2,137 |
Cash dividends to net income (ytd only)* | 32.3285% | 2,595 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.1507% | 474 |
Loan loss allowance to noncurrent loans | 104.8414% | 3,375 |
Noncurrent assets plus other real estate owned to assets | 1.2202% | 3,200 |
Noncurrent loans to loans | 3.0052% | 1,339 |
Net loans and leases to total assets | 34.9482% | 6,321 |
Net loans and leases to deposits | 41.9151% | 6,311 |
Net loans and leases to core deposits | 45.4543% | 6,235 |
Total domestic deposits to total assets | 83.3786% | 4,428 |
Equity capital to assets | 16.2177% | 511 |
Core capital (leverage) ratio | 16.1846% | 471 |
Tier 1 risk-based capital ratio | 34.7811% | 343 |
Total risk-based capital ratio | 36.0457% | 339 |
Memoranda: | ||
Average total assets | $53,838,750 | 5,985 |
Average earning assets | $49,631,500 | 5,963 |
Average equity | $9,113,250 | 5,110 |
Average total loans | $19,720,500 | 6,282 |
2013-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7361% | 1,471 |
Cost of funding earning assets | 0.7527% | 1,689 |
Net interest margin | 3.9834% | 1,923 |
Noninterest income to average assets | 0.2361% | 5,757 |
Noninterest expense to average assets | 2.4694% | 4,839 |
Loan and lease loss provision to assets | 0.2248% | 1,683 |
Net operating income to assets | 1.1242% | 1,840 |
Return on assets (ROA) | 1.1242% | 1,958 |
Pretax return on assets | 1.2103% | 2,626 |
Return on Equity (ROE) | 6.5466% | 3,854 |
Retained earnings to average equity (ytd only) | 3.2733% | 4,220 |
Net charge-offs to loans | 0.2748% | 2,105 |
Credit loss provision to net charge-offs | 222.2222% | 1,097 |
Earnings coverage of net charge-offs (x) | 14.1852% | 1,843 |
Efficiency ratio | 63.2438% | 4,974 |
Assets per employee ($millions) | 4.8454% | 2,305 |
Cash dividends to net income (ytd only)* | 50.0000% | 1,874 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.8287% | 294 |
Loan loss allowance to noncurrent loans | 89.4161% | 3,728 |
Noncurrent assets plus other real estate owned to assets | 1.5422% | 2,795 |
Noncurrent loans to loans | 4.2819% | 858 |
Net loans and leases to total assets | 34.6385% | 6,380 |
Net loans and leases to deposits | 41.8175% | 6,337 |
Net loans and leases to core deposits | 45.5077% | 6,251 |
Total domestic deposits to total assets | 82.8327% | 4,771 |
Equity capital to assets | 16.7620% | 439 |
Core capital (leverage) ratio | 16.0915% | 453 |
Tier 1 risk-based capital ratio | 35.8879% | 308 |
Total risk-based capital ratio | 37.1589% | 300 |
Memoranda: | ||
Average total assets | $53,373,000 | 6,040 |
Average earning assets | $49,154,000 | 6,019 |
Average equity | $9,165,000 | 5,135 |
Average total loans | $19,650,000 | 6,323 |
2013-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7689% | 1,355 |
Cost of funding earning assets | 0.7487% | 1,862 |
Net interest margin | 4.0202% | 1,711 |
Noninterest income to average assets | 0.2471% | 5,695 |
Noninterest expense to average assets | 2.4265% | 5,028 |
Loan and lease loss provision to assets | 0.2247% | 1,635 |
Net operating income to assets | 1.1758% | 1,593 |
Return on assets (ROA) | 1.1758% | 1,705 |
Pretax return on assets | 1.2956% | 2,245 |
Return on Equity (ROE) | 6.7669% | 3,611 |
Retained earnings to average equity (ytd only) | 6.7669% | 2,271 |
Net charge-offs to loans | 0.2616% | 1,912 |
Credit loss provision to net charge-offs | 230.7692% | 984 |
Earnings coverage of net charge-offs (x) | 15.6154% | 1,392 |
Efficiency ratio | 61.4801% | 5,377 |
Assets per employee ($millions) | 4.9231% | 2,319 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.6668% | 371 |
Loan loss allowance to noncurrent loans | 104.3605% | 3,244 |
Noncurrent assets plus other real estate owned to assets | 1.3535% | 3,248 |
Noncurrent loans to loans | 3.5136% | 1,362 |
Net loans and leases to total assets | 34.8321% | 6,371 |
Net loans and leases to deposits | 42.4126% | 6,296 |
Net loans and leases to core deposits | 46.1221% | 6,204 |
Total domestic deposits to total assets | 82.1269% | 5,149 |
Equity capital to assets | 17.2434% | 401 |
Core capital (leverage) ratio | 16.2025% | 431 |
Tier 1 risk-based capital ratio | 35.7772% | 321 |
Total risk-based capital ratio | 37.0986% | 313 |
Memoranda: | ||
Average total assets | $53,410,000 | 6,094 |
Average earning assets | $49,151,500 | 6,068 |
Average equity | $9,280,500 | 5,160 |
Average total loans | $19,876,500 | 6,363 |
2012-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0641% | 1,391 |
Cost of funding earning assets | 0.9488% | 1,652 |
Net interest margin | 4.1153% | 1,940 |
Noninterest income to average assets | 0.2439% | 5,705 |
Noninterest expense to average assets | 2.5073% | 5,065 |
Loan and lease loss provision to assets | 0.4254% | 1,495 |
Net operating income to assets | 1.0799% | 2,009 |
Return on assets (ROA) | 1.0853% | 2,177 |
Pretax return on assets | 1.1307% | 3,047 |
Return on Equity (ROE) | 6.2131% | 4,061 |
Retained earnings to average equity (ytd only) | -0.0108% | 5,843 |
Net charge-offs to loans | 0.5643% | 2,039 |
Credit loss provision to net charge-offs | 195.6522% | 1,334 |
Earnings coverage of net charge-offs (x) | 7.1304% | 2,672 |
Efficiency ratio | 61.7894% | 5,267 |
Assets per employee ($millions) | 4.7878% | 2,512 |
Cash dividends to net income (ytd only)* | 100.1742% | 465 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.4801% | 432 |
Loan loss allowance to noncurrent loans | 88.9734% | 3,633 |
Noncurrent assets plus other real estate owned to assets | 1.5836% | 3,011 |
Noncurrent loans to loans | 3.9114% | 1,226 |
Net loans and leases to total assets | 36.9688% | 6,377 |
Net loans and leases to deposits | 45.2233% | 6,292 |
Net loans and leases to core deposits | 48.9454% | 6,213 |
Total domestic deposits to total assets | 81.7472% | 5,181 |
Equity capital to assets | 17.5122% | 365 |
Core capital (leverage) ratio | 15.7902% | 475 |
Tier 1 risk-based capital ratio | 35.3348% | 335 |
Total risk-based capital ratio | 36.6599% | 326 |
Memoranda: | ||
Average total assets | $52,886,200 | 6,118 |
Average earning assets | $49,011,800 | 6,086 |
Average equity | $9,238,600 | 5,159 |
Average total loans | $20,378,400 | 6,405 |
2012-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0560% | 1,544 |
Cost of funding earning assets | 0.9570% | 1,814 |
Net interest margin | 4.0990% | 2,091 |
Noninterest income to average assets | 0.2367% | 5,861 |
Noninterest expense to average assets | 2.4479% | 5,245 |
Loan and lease loss provision to assets | 0.3904% | 1,651 |
Net operating income to assets | 1.1388% | 1,957 |
Return on assets (ROA) | 1.1459% | 2,117 |
Pretax return on assets | 1.2139% | 2,940 |
Return on Equity (ROE) | 6.5637% | 4,033 |
Retained earnings to average equity (ytd only) | 0.4328% | 5,966 |
Net charge-offs to loans | 0.6918% | 1,593 |
Credit loss provision to net charge-offs | 146.2264% | 1,949 |
Earnings coverage of net charge-offs (x) | 5.9811% | 2,880 |
Efficiency ratio | 60.5230% | 5,406 |
Assets per employee ($millions) | 4.8842% | 2,338 |
Cash dividends to net income (ytd only)* | 93.4064% | 409 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.1696% | 617 |
Loan loss allowance to noncurrent loans | 77.7643% | 3,920 |
Noncurrent assets plus other real estate owned to assets | 1.6156% | 3,167 |
Noncurrent loans to loans | 4.0759% | 1,241 |
Net loans and leases to total assets | 36.3921% | 6,527 |
Net loans and leases to deposits | 46.5446% | 6,349 |
Net loans and leases to core deposits | 49.0185% | 6,351 |
Total domestic deposits to total assets | 78.1875% | 6,037 |
Equity capital to assets | 17.2635% | 424 |
Core capital (leverage) ratio | 16.1259% | 465 |
Tier 1 risk-based capital ratio | 34.8910% | 360 |
Total risk-based capital ratio | 36.2233% | 354 |
Memoranda: | ||
Average total assets | $52,941,250 | 6,194 |
Average earning assets | $49,181,250 | 6,152 |
Average equity | $9,242,500 | 5,209 |
Average total loans | $20,430,000 | 6,493 |
2012-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0456% | 1,674 |
Cost of funding earning assets | 0.9709% | 1,928 |
Net interest margin | 4.0747% | 2,189 |
Noninterest income to average assets | 0.1784% | 6,290 |
Noninterest expense to average assets | 2.4943% | 5,154 |
Loan and lease loss provision to assets | 0.3417% | 1,927 |
Net operating income to assets | 1.1042% | 2,030 |
Return on assets (ROA) | 1.0896% | 2,304 |
Pretax return on assets | 1.1352% | 3,166 |
Return on Equity (ROE) | 6.2177% | 4,200 |
Retained earnings to average equity (ytd only) | 2.9680% | 4,660 |
Net charge-offs to loans | 0.7509% | 1,472 |
Credit loss provision to net charge-offs | 116.8831% | 2,356 |
Earnings coverage of net charge-offs (x) | 5.1039% | 2,905 |
Efficiency ratio | 62.5714% | 5,154 |
Assets per employee ($millions) | 4.8079% | 2,430 |
Cash dividends to net income (ytd only)* | 52.2648% | 1,658 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.9476% | 823 |
Loan loss allowance to noncurrent loans | 85.1904% | 3,612 |
Noncurrent assets plus other real estate owned to assets | 1.6904% | 3,185 |
Noncurrent loans to loans | 3.4601% | 1,664 |
Net loans and leases to total assets | 37.6028% | 6,512 |
Net loans and leases to deposits | 48.2343% | 6,295 |
Net loans and leases to core deposits | 52.0330% | 6,236 |
Total domestic deposits to total assets | 77.9587% | 6,161 |
Equity capital to assets | 17.6338% | 375 |
Core capital (leverage) ratio | 16.5439% | 407 |
Tier 1 risk-based capital ratio | 35.1537% | 340 |
Total risk-based capital ratio | 36.4753% | 332 |
Memoranda: | ||
Average total assets | $52,679,670 | 6,243 |
Average earning assets | $49,231,000 | 6,186 |
Average equity | $9,231,670 | 5,218 |
Average total loans | $20,509,330 | 6,540 |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9761% | 1,971 |
Cost of funding earning assets | 1.0049% | 1,951 |
Net interest margin | 3.9713% | 2,624 |
Noninterest income to average assets | 0.1446% | 6,517 |
Noninterest expense to average assets | 2.4346% | 5,358 |
Loan and lease loss provision to assets | 0.3424% | 1,828 |
Net operating income to assets | 1.0803% | 2,170 |
Return on assets (ROA) | 1.0803% | 2,349 |
Pretax return on assets | 1.1260% | 3,215 |
Return on Equity (ROE) | 6.1843% | 4,192 |
Retained earnings to average equity (ytd only) | 6.1843% | 2,846 |
Net charge-offs to loans | 0.5069% | 1,818 |
Credit loss provision to net charge-offs | 173.0769% | 1,473 |
Earnings coverage of net charge-offs (x) | 7.4231% | 2,076 |
Efficiency ratio | 62.3782% | 5,205 |
Assets per employee ($millions) | 4.8476% | 2,451 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.0032% | 826 |
Loan loss allowance to noncurrent loans | 87.0185% | 3,428 |
Noncurrent assets plus other real estate owned to assets | 1.6240% | 3,413 |
Noncurrent loans to loans | 3.4512% | 1,809 |
Net loans and leases to total assets | 36.9477% | 6,560 |
Net loans and leases to deposits | 47.1712% | 6,346 |
Net loans and leases to core deposits | 50.8308% | 6,286 |
Total domestic deposits to total assets | 78.3268% | 6,217 |
Equity capital to assets | 17.4162% | 384 |
Core capital (leverage) ratio | 16.5043% | 411 |
Tier 1 risk-based capital ratio | 35.9362% | 316 |
Total risk-based capital ratio | 37.2370% | 306 |
Memoranda: | ||
Average total assets | $52,576,000 | 6,288 |
Average earning assets | $49,757,500 | 6,203 |
Average equity | $9,184,500 | 5,245 |
Average total loans | $20,518,500 | 6,590 |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.4217% | 1,360 |
Cost of funding earning assets | 1.1161% | 2,567 |
Net interest margin | 4.3057% | 1,683 |
Noninterest income to average assets | 0.1665% | 6,297 |
Noninterest expense to average assets | 2.6108% | 5,052 |
Loan and lease loss provision to assets | 0.5278% | 1,983 |
Net operating income to assets | 1.1105% | 1,793 |
Return on assets (ROA) | 1.1186% | 1,885 |
Pretax return on assets | 1.1166% | 2,774 |
Return on Equity (ROE) | 6.2118% | 3,768 |
Retained earnings to average equity (ytd only) | 2.5479% | 4,416 |
Net charge-offs to loans | 1.5512% | 1,025 |
Credit loss provision to net charge-offs | 78.7879% | 4,510 |
Earnings coverage of net charge-offs (x) | 2.4424% | 3,994 |
Efficiency ratio | 61.4723% | 5,541 |
Assets per employee ($millions) | 4.7116% | 2,579 |
Cash dividends to net income (ytd only)* | 58.9837% | 1,608 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.8516% | 928 |
Loan loss allowance to noncurrent loans | 84.1880% | 3,528 |
Noncurrent assets plus other real estate owned to assets | 1.6343% | 3,507 |
Noncurrent loans to loans | 3.3872% | 1,908 |
Net loans and leases to total assets | 38.8477% | 6,607 |
Net loans and leases to deposits | 49.7099% | 6,379 |
Net loans and leases to core deposits | 53.6921% | 6,322 |
Total domestic deposits to total assets | 78.1489% | 6,163 |
Equity capital to assets | 17.5233% | 380 |
Core capital (leverage) ratio | 16.8019% | 379 |
Tier 1 risk-based capital ratio | 35.8466% | 311 |
Total risk-based capital ratio | 37.1487% | 306 |
Memoranda: | ||
Average total assets | $49,257,000 | 6,386 |
Average earning assets | $46,682,400 | 6,305 |
Average equity | $8,870,200 | 5,314 |
Average total loans | $21,273,200 | 6,590 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.4773% | 1,307 |
Cost of funding earning assets | 1.1371% | 2,713 |
Net interest margin | 4.3402% | 1,584 |
Noninterest income to average assets | 0.1591% | 6,456 |
Noninterest expense to average assets | 2.5671% | 5,210 |
Loan and lease loss provision to assets | 0.4525% | 2,201 |
Net operating income to assets | 1.1738% | 1,735 |
Return on assets (ROA) | 1.1738% | 1,850 |
Pretax return on assets | 1.2534% | 2,453 |
Return on Equity (ROE) | 6.4720% | 3,788 |
Retained earnings to average equity (ytd only) | 4.5818% | 3,457 |
Net charge-offs to loans | 1.6129% | 876 |
Credit loss provision to net charge-offs | 63.7066% | 4,680 |
Earnings coverage of net charge-offs (x) | 2.4016% | 3,924 |
Efficiency ratio | 60.0770% | 5,707 |
Assets per employee ($millions) | 4.5871% | 2,773 |
Cash dividends to net income (ytd only)* | 29.2053% | 2,506 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.6739% | 1,159 |
Loan loss allowance to noncurrent loans | 78.9694% | 3,604 |
Noncurrent assets plus other real estate owned to assets | 1.7202% | 3,515 |
Noncurrent loans to loans | 3.3860% | 2,041 |
Net loans and leases to total assets | 40.9013% | 6,569 |
Net loans and leases to deposits | 52.9682% | 6,296 |
Net loans and leases to core deposits | 53.9386% | 6,464 |
Total domestic deposits to total assets | 77.2187% | 6,343 |
Equity capital to assets | 18.1775% | 370 |
Core capital (leverage) ratio | 17.5042% | 363 |
Tier 1 risk-based capital ratio | 35.4581% | 335 |
Total risk-based capital ratio | 36.7428% | 326 |
Memoranda: | ||
Average total assets | $48,614,250 | 6,466 |
Average earning assets | $46,079,750 | 6,380 |
Average equity | $8,817,250 | 5,353 |
Average total loans | $21,410,250 | 6,652 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.4890% | 1,322 |
Cost of funding earning assets | 1.1505% | 2,896 |
Net interest margin | 4.3385% | 1,542 |
Noninterest income to average assets | 0.1750% | 6,410 |
Noninterest expense to average assets | 2.5375% | 5,403 |
Loan and lease loss provision to assets | 0.3750% | 2,545 |
Net operating income to assets | 1.2458% | 1,448 |
Return on assets (ROA) | 1.2458% | 1,525 |
Pretax return on assets | 1.3792% | 1,863 |
Return on Equity (ROE) | 6.8744% | 3,497 |
Retained earnings to average equity (ytd only) | 4.0005% | 3,656 |
Net charge-offs to loans | 1.3874% | 1,091 |
Credit loss provision to net charge-offs | 60.4027% | 4,330 |
Earnings coverage of net charge-offs (x) | 2.8255% | 3,434 |
Efficiency ratio | 59.1262% | 6,010 |
Assets per employee ($millions) | 4.4025% | 2,987 |
Cash dividends to net income (ytd only)* | 41.8060% | 1,992 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.8240% | 1,059 |
Loan loss allowance to noncurrent loans | 76.7857% | 3,672 |
Noncurrent assets plus other real estate owned to assets | 1.9597% | 3,290 |
Noncurrent loans to loans | 3.6778% | 1,913 |
Net loans and leases to total assets | 42.7757% | 6,539 |
Net loans and leases to deposits | 55.5094% | 6,176 |
Net loans and leases to core deposits | 56.3352% | 6,390 |
Total domestic deposits to total assets | 77.0603% | 6,440 |
Equity capital to assets | 18.3451% | 355 |
Core capital (leverage) ratio | 17.8775% | 343 |
Tier 1 risk-based capital ratio | 35.8601% | 325 |
Total risk-based capital ratio | 37.1285% | 321 |
Memoranda: | ||
Average total assets | $47,999,670 | 6,537 |
Average earning assets | $45,546,000 | 6,454 |
Average equity | $8,699,000 | 5,409 |
Average total loans | $21,478,670 | 6,725 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.4961% | 1,313 |
Cost of funding earning assets | 1.1557% | 3,119 |
Net interest margin | 4.3404% | 1,448 |
Noninterest income to average assets | 0.2260% | 6,111 |
Noninterest expense to average assets | 2.6033% | 5,210 |
Loan and lease loss provision to assets | 0.3767% | 2,305 |
Net operating income to assets | 1.2305% | 1,455 |
Return on assets (ROA) | 1.2305% | 1,502 |
Pretax return on assets | 1.3644% | 1,830 |
Return on Equity (ROE) | 6.8320% | 3,475 |
Retained earnings to average equity (ytd only) | 6.8320% | 2,223 |
Net charge-offs to loans | 0.0371% | 4,589 |
Credit loss provision to net charge-offs | 2,250.0000% | 172 |
Earnings coverage of net charge-offs (x) | 104.0000% | 306 |
Efficiency ratio | 59.9229% | 5,993 |
Assets per employee ($millions) | 4.3446% | 3,144 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.3028% | 710 |
Loan loss allowance to noncurrent loans | 50.0355% | 5,014 |
Noncurrent assets plus other real estate owned to assets | 3.0487% | 2,264 |
Noncurrent loans to loans | 6.6010% | 888 |
Net loans and leases to total assets | 43.1274% | 6,536 |
Net loans and leases to deposits | 55.7944% | 6,151 |
Net loans and leases to core deposits | 56.6283% | 6,361 |
Total domestic deposits to total assets | 77.2970% | 6,484 |
Equity capital to assets | 18.2712% | 356 |
Core capital (leverage) ratio | 17.7767% | 342 |
Tier 1 risk-based capital ratio | 34.8600% | 353 |
Total risk-based capital ratio | 36.1298% | 346 |
Memoranda: | ||
Average total assets | $47,786,000 | 6,590 |
Average earning assets | $45,341,000 | 6,510 |
Average equity | $8,606,500 | 5,436 |
Average total loans | $21,559,500 | 6,768 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.7035% | 1,559 |
Cost of funding earning assets | 1.2584% | 4,158 |
Net interest margin | 4.4451% | 1,366 |
Noninterest income to average assets | 0.1581% | 6,592 |
Noninterest expense to average assets | 2.5882% | 5,464 |
Loan and lease loss provision to assets | 0.2497% | 4,800 |
Net operating income to assets | 1.3488% | 1,056 |
Return on assets (ROA) | 1.2920% | 1,250 |
Pretax return on assets | 1.4668% | 1,463 |
Return on Equity (ROE) | 7.2582% | 3,000 |
Retained earnings to average equity (ytd only) | 2.5830% | 4,052 |
Net charge-offs to loans | 0.6474% | 3,076 |
Credit loss provision to net charge-offs | 83.3333% | 5,414 |
Earnings coverage of net charge-offs (x) | 5.9444% | 2,487 |
Efficiency ratio | 59.2381% | 6,153 |
Assets per employee ($millions) | 4.3437% | 3,121 |
Cash dividends to net income (ytd only)* | 64.4122% | 1,451 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.0361% | 845 |
Loan loss allowance to noncurrent loans | 55.9594% | 4,659 |
Noncurrent assets plus other real estate owned to assets | 2.6287% | 2,648 |
Noncurrent loans to loans | 5.4256% | 1,213 |
Net loans and leases to total assets | 44.2477% | 6,692 |
Net loans and leases to deposits | 56.9022% | 6,363 |
Net loans and leases to core deposits | 60.1394% | 6,382 |
Total domestic deposits to total assets | 77.7610% | 6,361 |
Equity capital to assets | 17.7497% | 392 |
Core capital (leverage) ratio | 16.9233% | 405 |
Tier 1 risk-based capital ratio | 34.0269% | 373 |
Total risk-based capital ratio | 35.2965% | 362 |
Memoranda: | ||
Average total assets | $48,064,800 | 6,601 |
Average earning assets | $45,533,600 | 6,522 |
Average equity | $8,555,800 | 5,535 |
Average total loans | $22,242,600 | 6,808 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.7066% | 1,689 |
Cost of funding earning assets | 1.2571% | 4,517 |
Net interest margin | 4.4495% | 1,375 |
Noninterest income to average assets | 0.1440% | 6,824 |
Noninterest expense to average assets | 2.5843% | 5,385 |
Loan and lease loss provision to assets | 0.2493% | 4,599 |
Net operating income to assets | 1.3294% | 1,286 |
Return on assets (ROA) | 1.2547% | 1,532 |
Pretax return on assets | 1.4403% | 1,772 |
Return on Equity (ROE) | 7.0439% | 3,328 |
Retained earnings to average equity (ytd only) | 2.7679% | 4,495 |
Net charge-offs to loans | 0.7993% | 2,445 |
Credit loss provision to net charge-offs | 67.1642% | 5,501 |
Earnings coverage of net charge-offs (x) | 4.7837% | 2,928 |
Efficiency ratio | 59.2757% | 6,068 |
Assets per employee ($millions) | 4.4885% | 2,926 |
Cash dividends to net income (ytd only)* | 60.7073% | 1,226 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.8942% | 915 |
Loan loss allowance to noncurrent loans | 61.0476% | 4,258 |
Noncurrent assets plus other real estate owned to assets | 2.3150% | 3,066 |
Noncurrent loans to loans | 4.7408% | 1,486 |
Net loans and leases to total assets | 43.5594% | 6,872 |
Net loans and leases to deposits | 57.6858% | 6,484 |
Net loans and leases to core deposits | 60.9557% | 6,541 |
Total domestic deposits to total assets | 75.5114% | 6,742 |
Equity capital to assets | 17.8961% | 419 |
Core capital (leverage) ratio | 16.8519% | 446 |
Tier 1 risk-based capital ratio | 34.3445% | 364 |
Total risk-based capital ratio | 35.6244% | 360 |
Memoranda: | ||
Average total assets | $48,135,750 | 6,682 |
Average earning assets | $45,607,000 | 6,602 |
Average equity | $8,574,500 | 5,607 |
Average total loans | $22,352,250 | 6,892 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.7114% | 1,719 |
Cost of funding earning assets | 1.3041% | 4,507 |
Net interest margin | 4.4073% | 1,426 |
Noninterest income to average assets | 0.1173% | 7,018 |
Noninterest expense to average assets | 2.5648% | 5,476 |
Loan and lease loss provision to assets | 0.2515% | 4,409 |
Net operating income to assets | 1.3184% | 1,262 |
Return on assets (ROA) | 1.2028% | 1,624 |
Pretax return on assets | 1.3495% | 1,953 |
Return on Equity (ROE) | 6.7630% | 3,416 |
Retained earnings to average equity (ytd only) | 0.2828% | 5,642 |
Net charge-offs to loans | 0.8564% | 2,119 |
Credit loss provision to net charge-offs | 62.5000% | 5,146 |
Earnings coverage of net charge-offs (x) | 4.3021% | 2,997 |
Efficiency ratio | 59.7073% | 6,096 |
Assets per employee ($millions) | 4.3692% | 3,096 |
Cash dividends to net income (ytd only)* | 95.8188% | 516 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.9015% | 914 |
Loan loss allowance to noncurrent loans | 58.4158% | 4,437 |
Noncurrent assets plus other real estate owned to assets | 2.4531% | 2,933 |
Noncurrent loans to loans | 4.9669% | 1,396 |
Net loans and leases to total assets | 45.1905% | 6,837 |
Net loans and leases to deposits | 59.8320% | 6,428 |
Net loans and leases to core deposits | 63.3207% | 6,459 |
Total domestic deposits to total assets | 75.5290% | 6,772 |
Equity capital to assets | 17.8544% | 432 |
Core capital (leverage) ratio | 16.6120% | 484 |
Tier 1 risk-based capital ratio | 31.5038% | 437 |
Total risk-based capital ratio | 32.7680% | 430 |
Memoranda: | ||
Average total assets | $47,723,000 | 6,738 |
Average earning assets | $45,242,670 | 6,658 |
Average equity | $8,487,330 | 5,640 |
Average total loans | $22,420,330 | 6,940 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.7107% | 1,737 |
Cost of funding earning assets | 1.3254% | 4,652 |
Net interest margin | 4.3853% | 1,431 |
Noninterest income to average assets | 0.1346% | 7,009 |
Noninterest expense to average assets | 2.6749% | 5,032 |
Loan and lease loss provision to assets | 0.2523% | 4,024 |
Net operating income to assets | 1.3417% | 1,201 |
Return on assets (ROA) | 0.9337% | 2,482 |
Pretax return on assets | 0.9421% | 3,306 |
Return on Equity (ROE) | 5.2604% | 4,228 |
Retained earnings to average equity (ytd only) | 5.2604% | 3,006 |
Net charge-offs to loans | 1.6395% | 1,064 |
Credit loss provision to net charge-offs | 32.6087% | 4,773 |
Earnings coverage of net charge-offs (x) | 2.0761% | 3,505 |
Efficiency ratio | 62.4754% | 5,738 |
Assets per employee ($millions) | 4.4653% | 3,013 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.8101% | 974 |
Loan loss allowance to noncurrent loans | 48.4825% | 5,107 |
Noncurrent assets plus other real estate owned to assets | 2.8666% | 2,516 |
Noncurrent loans to loans | 5.7961% | 1,165 |
Net loans and leases to total assets | 43.8678% | 7,005 |
Net loans and leases to deposits | 57.6447% | 6,645 |
Net loans and leases to core deposits | 60.9034% | 6,674 |
Total domestic deposits to total assets | 76.1004% | 6,741 |
Equity capital to assets | 17.5496% | 465 |
Core capital (leverage) ratio | 17.2712% | 430 |
Tier 1 risk-based capital ratio | 31.6527% | 448 |
Total risk-based capital ratio | 32.9151% | 443 |
Memoranda: | ||
Average total assets | $47,554,000 | 6,823 |
Average earning assets | $44,968,500 | 6,742 |
Average equity | $8,440,500 | 5,703 |
Average total loans | $22,446,500 | 7,028 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.0537% | 1,662 |
Cost of funding earning assets | 1.6593% | 4,738 |
Net interest margin | 4.3944% | 1,448 |
Noninterest income to average assets | 0.2073% | 6,622 |
Noninterest expense to average assets | 2.6417% | 5,624 |
Loan and lease loss provision to assets | 0.6307% | 3,283 |
Net operating income to assets | 1.1709% | 1,326 |
Return on assets (ROA) | 0.6615% | 3,141 |
Pretax return on assets | 0.5601% | 4,020 |
Return on Equity (ROE) | 3.8318% | 4,154 |
Retained earnings to average equity (ytd only) | 0.6386% | 4,549 |
Net charge-offs to loans | 0.4050% | 4,200 |
Credit loss provision to net charge-offs | 304.2553% | 1,086 |
Earnings coverage of net charge-offs (x) | 8.2021% | 1,978 |
Efficiency ratio | 60.8431% | 6,356 |
Assets per employee ($millions) | 4.1809% | 3,476 |
Cash dividends to net income (ytd only)* | 83.3333% | 1,064 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.0146% | 766 |
Loan loss allowance to noncurrent loans | 41.9730% | 5,612 |
Noncurrent assets plus other real estate owned to assets | 4.0161% | 1,640 |
Noncurrent loans to loans | 7.1822% | 760 |
Net loans and leases to total assets | 47.9191% | 6,820 |
Net loans and leases to deposits | 63.6109% | 6,318 |
Net loans and leases to core deposits | 75.5425% | 6,433 |
Total domestic deposits to total assets | 75.3316% | 6,802 |
Equity capital to assets | 17.9626% | 450 |
Core capital (leverage) ratio | 17.6117% | 430 |
Tier 1 risk-based capital ratio | 31.4195% | 464 |
Total risk-based capital ratio | 32.6859% | 457 |
Memoranda: | ||
Average total assets | $45,349,800 | 6,901 |
Average earning assets | $42,668,200 | 6,830 |
Average equity | $7,829,200 | 5,987 |
Average total loans | $23,212,200 | 7,014 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.1105% | 1,612 |
Cost of funding earning assets | 1.7190% | 4,803 |
Net interest margin | 4.3915% | 1,461 |
Noninterest income to average assets | 0.2095% | 6,728 |
Noninterest expense to average assets | 2.6643% | 5,473 |
Loan and lease loss provision to assets | 0.8173% | 2,328 |
Net operating income to assets | 0.8586% | 2,583 |
Return on assets (ROA) | 0.3482% | 4,703 |
Pretax return on assets | 0.3482% | 4,935 |
Return on Equity (ROE) | 2.0376% | 5,146 |
Retained earnings to average equity (ytd only) | -0.5526% | 5,362 |
Net charge-offs to loans | 0.2514% | 4,476 |
Credit loss provision to net charge-offs | 629.5455% | 599 |
Earnings coverage of net charge-offs (x) | 12.9080% | 1,718 |
Efficiency ratio | 61.3868% | 6,213 |
Assets per employee ($millions) | 4.2216% | 3,340 |
Cash dividends to net income (ytd only)* | 127.1213% | 369 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.1556% | 586 |
Loan loss allowance to noncurrent loans | 55.6322% | 4,630 |
Noncurrent assets plus other real estate owned to assets | 3.3593% | 1,998 |
Noncurrent loans to loans | 5.6722% | 1,090 |
Net loans and leases to total assets | 47.9801% | 6,960 |
Net loans and leases to deposits | 63.9138% | 6,494 |
Net loans and leases to core deposits | 75.9303% | 6,618 |
Total domestic deposits to total assets | 75.0700% | 6,764 |
Equity capital to assets | 17.5266% | 560 |
Core capital (leverage) ratio | 17.5153% | 497 |
Tier 1 risk-based capital ratio | 31.6992% | 483 |
Total risk-based capital ratio | 32.9664% | 474 |
Memoranda: | ||
Average total assets | $45,189,750 | 6,954 |
Average earning assets | $42,505,000 | 6,891 |
Average equity | $7,721,250 | 6,079 |
Average total loans | $23,334,500 | 7,073 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.2182% | 1,402 |
Cost of funding earning assets | 1.7841% | 4,838 |
Net interest margin | 4.4341% | 1,326 |
Noninterest income to average assets | 0.2099% | 6,799 |
Noninterest expense to average assets | 2.6087% | 5,712 |
Loan and lease loss provision to assets | 1.1971% | 1,434 |
Net operating income to assets | 0.5673% | 3,819 |
Return on assets (ROA) | 0.0625% | 5,761 |
Pretax return on assets | 0.0625% | 5,758 |
Return on Equity (ROE) | 0.3693% | 5,824 |
Retained earnings to average equity (ytd only) | -3.5874% | 6,063 |
Net charge-offs to loans | 0.4010% | 3,193 |
Credit loss provision to net charge-offs | 570.2128% | 818 |
Earnings coverage of net charge-offs (x) | 8.4043% | 2,267 |
Efficiency ratio | 59.6527% | 6,599 |
Assets per employee ($millions) | 4.0638% | 3,565 |
Cash dividends to net income (ytd only)* | 1,071.4286% | 35 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.0641% | 534 |
Loan loss allowance to noncurrent loans | 52.2694% | 4,892 |
Noncurrent assets plus other real estate owned to assets | 3.7605% | 1,626 |
Noncurrent loans to loans | 5.8622% | 946 |
Net loans and leases to total assets | 50.5302% | 6,825 |
Net loans and leases to deposits | 67.3043% | 6,269 |
Net loans and leases to core deposits | 79.3257% | 6,461 |
Total domestic deposits to total assets | 75.0772% | 6,753 |
Equity capital to assets | 17.2856% | 626 |
Core capital (leverage) ratio | 17.7505% | 537 |
Tier 1 risk-based capital ratio | 30.7926% | 555 |
Total risk-based capital ratio | 32.0591% | 539 |
Memoranda: | ||
Average total assets | $44,773,670 | 7,026 |
Average earning assets | $42,037,670 | 6,968 |
Average equity | $7,582,000 | 6,153 |
Average total loans | $23,443,670 | 7,116 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.3260% | 1,226 |
Cost of funding earning assets | 1.8169% | 5,034 |
Net interest margin | 4.5091% | 1,113 |
Noninterest income to average assets | 0.2410% | 6,529 |
Noninterest expense to average assets | 2.6780% | 5,110 |
Loan and lease loss provision to assets | 0.0803% | 5,944 |
Net operating income to assets | 1.4979% | 939 |
Return on assets (ROA) | 1.1872% | 1,800 |
Pretax return on assets | 1.3569% | 2,097 |
Return on Equity (ROE) | 7.0844% | 3,562 |
Retained earnings to average equity (ytd only) | 7.0844% | 2,180 |
Net charge-offs to loans | 0.3232% | 2,800 |
Credit loss provision to net charge-offs | 47.3684% | 4,718 |
Earnings coverage of net charge-offs (x) | 10.5789% | 1,942 |
Efficiency ratio | 59.8802% | 6,425 |
Assets per employee ($millions) | 4.1201% | 3,420 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0652% | 1,301 |
Loan loss allowance to noncurrent loans | 38.2120% | 6,000 |
Noncurrent assets plus other real estate owned to assets | 3.3605% | 1,624 |
Noncurrent loans to loans | 5.4045% | 974 |
Net loans and leases to total assets | 50.5395% | 6,811 |
Net loans and leases to deposits | 66.8213% | 6,295 |
Net loans and leases to core deposits | 78.0223% | 6,535 |
Total domestic deposits to total assets | 75.6338% | 6,582 |
Equity capital to assets | 16.8399% | 741 |
Core capital (leverage) ratio | 18.3940% | 513 |
Tier 1 risk-based capital ratio | 31.4669% | 560 |
Total risk-based capital ratio | 32.7262% | 545 |
Memoranda: | ||
Average total assets | $44,809,500 | 7,067 |
Average earning assets | $42,048,500 | 7,017 |
Average equity | $7,509,500 | 6,215 |
Average total loans | $23,514,500 | 7,156 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.6217% | 2,381 |
Cost of funding earning assets | 2.1382% | 5,886 |
Net interest margin | 4.4835% | 1,468 |
Noninterest income to average assets | 0.2102% | 6,933 |
Noninterest expense to average assets | 2.6473% | 5,459 |
Loan and lease loss provision to assets | 0.0832% | 6,351 |
Net operating income to assets | 1.6491% | 750 |
Return on assets (ROA) | 0.8432% | 3,084 |
Pretax return on assets | 0.8570% | 3,861 |
Return on Equity (ROE) | 4.7088% | 4,511 |
Retained earnings to average equity (ytd only) | 0.8386% | 4,718 |
Net charge-offs to loans | 0.1347% | 4,878 |
Credit loss provision to net charge-offs | 109.0909% | 4,931 |
Earnings coverage of net charge-offs (x) | 23.1212% | 1,432 |
Efficiency ratio | 60.0314% | 6,332 |
Assets per employee ($millions) | 3.6915% | 4,193 |
Cash dividends to net income (ytd only)* | 82.1918% | 1,610 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0854% | 1,093 |
Loan loss allowance to noncurrent loans | 32.9766% | 6,530 |
Noncurrent assets plus other real estate owned to assets | 4.0521% | 1,007 |
Noncurrent loans to loans | 6.3238% | 524 |
Net loans and leases to total assets | 52.2552% | 6,823 |
Net loans and leases to deposits | 69.0861% | 6,366 |
Net loans and leases to core deposits | 80.0664% | 6,612 |
Total domestic deposits to total assets | 75.6377% | 6,316 |
Equity capital to assets | 16.6757% | 816 |
Core capital (leverage) ratio | 18.2224% | 584 |
Tier 1 risk-based capital ratio | 30.6136% | 607 |
Total risk-based capital ratio | 31.8706% | 596 |
Memoranda: | ||
Average total assets | $43,290,000 | 7,062 |
Average earning assets | $40,548,400 | 7,021 |
Average equity | $7,751,400 | 6,191 |
Average total loans | $24,500,200 | 7,056 |