Home > Amegy Bank > Performance and Condition Ratios
Amegy Bank, Performance and Condition Ratios
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 | 3.2569% | 5,491 |
Cost of funding earning assets | 0.0438% | 6,201 |
Net interest margin | 3.2131% | 4,634 |
Noninterest income to average assets | 0.9956% | 1,196 |
Noninterest expense to average assets | 2.7394% | 3,428 |
Loan and lease loss provision to assets | 0.5511% | 174 |
Net operating income to assets | 0.4008% | 5,165 |
Return on assets (ROA) | 0.3991% | 5,261 |
Pretax return on assets | 0.5835% | 5,017 |
Return on Equity (ROE) | 2.4482% | 5,565 |
Retained earnings to average equity (ytd only) | 1.8103% | 4,974 |
Net charge-offs to loans | 0.1552% | 1,588 |
Credit loss provision to net charge-offs | 484.1693% | 671 |
Earnings coverage of net charge-offs (x) | 9.9890% | 2,640 |
Efficiency ratio | 69.4016% | 3,312 |
Assets per employee ($millions) | 8.4139% | 455 |
Cash dividends to net income (ytd only)* | 26.0571% | 2,998 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9886% | 925 |
Loan loss allowance to noncurrent loans | 157.3480% | 2,715 |
Noncurrent assets plus other real estate owned to assets | 0.9181% | 2,563 |
Noncurrent loans to loans | 1.2638% | 2,022 |
Net loans and leases to total assets | 70.6955% | 2,283 |
Net loans and leases to deposits | 85.6471% | 2,183 |
Net loans and leases to core deposits | 90.1668% | 2,450 |
Total domestic deposits to total assets | 79.3584% | 4,896 |
Equity capital to assets | 16.2786% | 524 |
Core capital (leverage) ratio | 12.3335% | 1,499 |
Tier 1 risk-based capital ratio | 12.9557% | 4,448 |
Total risk-based capital ratio | 14.2128% | 4,372 |
Memoranda: | ||
Average total assets | $13,754,346,250 | 96 |
Average earning assets | $12,331,909,500 | 95 |
Average equity | $2,242,378,750 | 72 |
Average total loans | $10,088,454,000 | 89 |
2015-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.2268% | 5,576 |
Cost of funding earning assets | 0.0460% | 6,278 |
Net interest margin | 3.1808% | 4,715 |
Noninterest income to average assets | 1.0039% | 1,174 |
Noninterest expense to average assets | 2.8026% | 3,226 |
Loan and lease loss provision to assets | 0.3654% | 349 |
Net operating income to assets | 0.4687% | 4,898 |
Return on assets (ROA) | 0.4662% | 5,007 |
Pretax return on assets | 0.6813% | 4,717 |
Return on Equity (ROE) | 2.8583% | 5,447 |
Retained earnings to average equity (ytd only) | 2.2189% | 4,602 |
Net charge-offs to loans | -0.1348% | 5,895 |
Credit loss provision to net charge-offs | -367.4241% | 5,152 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 71.4603% | 3,079 |
Assets per employee ($millions) | 8.1340% | 498 |
Cash dividends to net income (ytd only)* | 22.3699% | 3,111 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8473% | 1,279 |
Loan loss allowance to noncurrent loans | 148.4136% | 2,819 |
Noncurrent assets plus other real estate owned to assets | 0.9265% | 2,681 |
Noncurrent loans to loans | 1.2447% | 2,167 |
Net loans and leases to total assets | 72.5363% | 1,892 |
Net loans and leases to deposits | 87.9915% | 1,838 |
Net loans and leases to core deposits | 92.2316% | 2,135 |
Total domestic deposits to total assets | 79.6994% | 4,930 |
Equity capital to assets | 16.5452% | 461 |
Core capital (leverage) ratio | 12.4969% | 1,386 |
Tier 1 risk-based capital ratio | 12.7194% | 4,670 |
Total risk-based capital ratio | 13.9748% | 4,588 |
Memoranda: | ||
Average total assets | $13,717,096,670 | 97 |
Average earning assets | $12,287,250,670 | 97 |
Average equity | $2,237,437,330 | 75 |
Average total loans | $10,117,406,000 | 90 |
2015-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.2469% | 5,561 |
Cost of funding earning assets | 0.0475% | 6,350 |
Net interest margin | 3.1993% | 4,615 |
Noninterest income to average assets | 0.9449% | 1,249 |
Noninterest expense to average assets | 2.7444% | 3,437 |
Loan and lease loss provision to assets | 0.3227% | 427 |
Net operating income to assets | 0.4948% | 4,705 |
Return on assets (ROA) | 0.4948% | 4,828 |
Pretax return on assets | 0.7413% | 4,463 |
Return on Equity (ROE) | 3.0552% | 5,350 |
Retained earnings to average equity (ytd only) | 2.4141% | 4,488 |
Net charge-offs to loans | -0.7618% | 6,296 |
Credit loss provision to net charge-offs | -57.4798% | 4,414 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 70.7753% | 3,360 |
Assets per employee ($millions) | 8.4444% | 450 |
Cash dividends to net income (ytd only)* | 20.9847% | 2,531 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8037% | 1,495 |
Loan loss allowance to noncurrent loans | 138.8019% | 2,959 |
Noncurrent assets plus other real estate owned to assets | 0.9808% | 2,656 |
Noncurrent loans to loans | 1.2994% | 2,211 |
Net loans and leases to total assets | 73.4065% | 1,583 |
Net loans and leases to deposits | 88.9961% | 1,507 |
Net loans and leases to core deposits | 93.3409% | 1,825 |
Total domestic deposits to total assets | 79.6798% | 5,127 |
Equity capital to assets | 16.3816% | 499 |
Core capital (leverage) ratio | 12.1251% | 1,564 |
Tier 1 risk-based capital ratio | 12.7351% | 4,768 |
Total risk-based capital ratio | 13.9907% | 4,684 |
Memoranda: | ||
Average total assets | $13,775,623,000 | 97 |
Average earning assets | $12,329,361,500 | 96 |
Average equity | $2,231,079,000 | 75 |
Average total loans | $10,150,796,000 | 89 |
2014-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.2685% | 5,748 |
Cost of funding earning assets | 0.0496% | 6,439 |
Net interest margin | 3.2189% | 4,857 |
Noninterest income to average assets | 1.0531% | 1,097 |
Noninterest expense to average assets | 2.6714% | 3,969 |
Loan and lease loss provision to assets | 0.2364% | 1,008 |
Net operating income to assets | 0.6839% | 3,975 |
Return on assets (ROA) | 0.6839% | 4,093 |
Pretax return on assets | 1.0099% | 3,452 |
Return on Equity (ROE) | 4.1835% | 5,035 |
Retained earnings to average equity (ytd only) | 0.2100% | 5,684 |
Net charge-offs to loans | 0.2368% | 1,785 |
Credit loss provision to net charge-offs | 141.3630% | 1,678 |
Earnings coverage of net charge-offs (x) | 7.4515% | 3,031 |
Efficiency ratio | 66.7554% | 4,100 |
Assets per employee ($millions) | 8.6693% | 405 |
Cash dividends to net income (ytd only)* | 94.9794% | 461 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5244% | 2,367 |
Loan loss allowance to noncurrent loans | 197.0528% | 2,264 |
Noncurrent assets plus other real estate owned to assets | 0.5794% | 3,855 |
Noncurrent loans to loans | 0.7736% | 3,379 |
Net loans and leases to total assets | 71.5286% | 1,987 |
Net loans and leases to deposits | 86.4480% | 1,918 |
Net loans and leases to core deposits | 90.1526% | 2,261 |
Total domestic deposits to total assets | 80.3763% | 4,917 |
Equity capital to assets | 16.0131% | 533 |
Core capital (leverage) ratio | 11.7882% | 1,772 |
Tier 1 risk-based capital ratio | 12.8347% | 4,834 |
Total risk-based capital ratio | 14.0877% | 4,743 |
Memoranda: | ||
Average total assets | $13,632,991,000 | 95 |
Average earning assets | $12,132,888,200 | 95 |
Average equity | $2,228,639,000 | 71 |
Average total loans | $9,628,963,600 | 89 |
2014-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.2819% | 5,792 |
Cost of funding earning assets | 0.0507% | 6,518 |
Net interest margin | 3.2312% | 4,851 |
Noninterest income to average assets | 1.0068% | 1,210 |
Noninterest expense to average assets | 2.5625% | 4,311 |
Loan and lease loss provision to assets | 0.0580% | 3,209 |
Net operating income to assets | 0.8337% | 3,265 |
Return on assets (ROA) | 0.8337% | 3,354 |
Pretax return on assets | 1.2589% | 2,540 |
Return on Equity (ROE) | 5.0735% | 4,689 |
Retained earnings to average equity (ytd only) | -0.0077% | 5,793 |
Net charge-offs to loans | 0.2136% | 1,759 |
Credit loss provision to net charge-offs | 38.7598% | 3,309 |
Earnings coverage of net charge-offs (x) | 8.7942% | 2,747 |
Efficiency ratio | 64.6002% | 4,446 |
Assets per employee ($millions) | 7.9296% | 542 |
Cash dividends to net income (ytd only)* | 100.1509% | 361 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3762% | 3,282 |
Loan loss allowance to noncurrent loans | 243.3368% | 1,856 |
Noncurrent assets plus other real estate owned to assets | 0.4687% | 4,491 |
Noncurrent loans to loans | 0.5655% | 4,223 |
Net loans and leases to total assets | 71.2732% | 1,978 |
Net loans and leases to deposits | 86.2387% | 1,883 |
Net loans and leases to core deposits | 89.9209% | 2,232 |
Total domestic deposits to total assets | 80.3601% | 4,994 |
Equity capital to assets | 16.3375% | 516 |
Core capital (leverage) ratio | 11.9798% | 1,706 |
Tier 1 risk-based capital ratio | 13.1051% | 4,795 |
Total risk-based capital ratio | 14.3563% | 4,725 |
Memoranda: | ||
Average total assets | $13,569,202,750 | 96 |
Average earning assets | $12,063,426,250 | 97 |
Average equity | $2,229,819,250 | 71 |
Average total loans | $9,514,261,750 | 91 |
2014-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.2901% | 5,808 |
Cost of funding earning assets | 0.0524% | 6,581 |
Net interest margin | 3.2377% | 4,816 |
Noninterest income to average assets | 0.9627% | 1,302 |
Noninterest expense to average assets | 2.6618% | 4,012 |
Loan and lease loss provision to assets | 0.1382% | 1,796 |
Net operating income to assets | 0.6853% | 3,919 |
Return on assets (ROA) | 0.6853% | 4,015 |
Pretax return on assets | 1.0287% | 3,359 |
Return on Equity (ROE) | 4.1625% | 5,078 |
Retained earnings to average equity (ytd only) | 3.5894% | 3,907 |
Net charge-offs to loans | 0.1621% | 2,098 |
Credit loss provision to net charge-offs | 122.8834% | 1,692 |
Earnings coverage of net charge-offs (x) | 10.3748% | 2,256 |
Efficiency ratio | 68.0476% | 3,999 |
Assets per employee ($millions) | 7.8585% | 533 |
Cash dividends to net income (ytd only)* | 13.7683% | 3,361 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5169% | 2,818 |
Loan loss allowance to noncurrent loans | 278.9346% | 1,612 |
Noncurrent assets plus other real estate owned to assets | 0.4063% | 4,796 |
Noncurrent loans to loans | 0.5438% | 4,377 |
Net loans and leases to total assets | 69.9257% | 2,100 |
Net loans and leases to deposits | 84.9024% | 1,944 |
Net loans and leases to core deposits | 88.0353% | 2,314 |
Total domestic deposits to total assets | 80.4996% | 5,130 |
Equity capital to assets | 16.6463% | 458 |
Core capital (leverage) ratio | 12.5037% | 1,392 |
Tier 1 risk-based capital ratio | 13.6107% | 4,519 |
Total risk-based capital ratio | 14.8642% | 4,452 |
Memoranda: | ||
Average total assets | $13,567,094,670 | 97 |
Average earning assets | $12,009,889,330 | 97 |
Average equity | $2,233,790,330 | 70 |
Average total loans | $9,415,439,670 | 91 |
2014-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.2810% | 5,879 |
Cost of funding earning assets | 0.0540% | 6,657 |
Net interest margin | 3.2269% | 4,830 |
Noninterest income to average assets | 0.9277% | 1,310 |
Noninterest expense to average assets | 2.5712% | 4,375 |
Loan and lease loss provision to assets | 0.4973% | 301 |
Net operating income to assets | 0.4832% | 4,771 |
Return on assets (ROA) | 0.4832% | 4,843 |
Pretax return on assets | 0.7132% | 4,447 |
Return on Equity (ROE) | 2.9512% | 5,477 |
Retained earnings to average equity (ytd only) | 2.4426% | 4,606 |
Net charge-offs to loans | 0.0593% | 2,567 |
Credit loss provision to net charge-offs | 1,223.4228% | 264 |
Earnings coverage of net charge-offs (x) | 29.7781% | 1,058 |
Efficiency ratio | 66.4967% | 4,449 |
Assets per employee ($millions) | 7.9235% | 504 |
Cash dividends to net income (ytd only)* | 17.2340% | 2,573 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7063% | 2,330 |
Loan loss allowance to noncurrent loans | 232.5458% | 1,835 |
Noncurrent assets plus other real estate owned to assets | 0.5309% | 4,553 |
Noncurrent loans to loans | 0.7338% | 4,030 |
Net loans and leases to total assets | 68.1166% | 2,205 |
Net loans and leases to deposits | 82.5027% | 2,006 |
Net loans and leases to core deposits | 85.8425% | 2,338 |
Total domestic deposits to total assets | 80.4591% | 5,392 |
Equity capital to assets | 16.4907% | 460 |
Core capital (leverage) ratio | 12.3661% | 1,444 |
Tier 1 risk-based capital ratio | 13.6046% | 4,604 |
Total risk-based capital ratio | 14.8597% | 4,559 |
Memoranda: | ||
Average total assets | $13,568,745,500 | 95 |
Average earning assets | $12,000,826,000 | 94 |
Average equity | $2,221,749,500 | 68 |
Average total loans | $9,307,825,000 | 90 |
2013-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4462% | 5,743 |
Cost of funding earning assets | 0.0671% | 6,734 |
Net interest margin | 3.3791% | 4,367 |
Noninterest income to average assets | 1.0337% | 1,313 |
Noninterest expense to average assets | 2.5567% | 4,595 |
Loan and lease loss provision to assets | 0.0319% | 4,479 |
Net operating income to assets | 0.9693% | 2,472 |
Return on assets (ROA) | 0.9693% | 2,539 |
Pretax return on assets | 1.4152% | 1,732 |
Return on Equity (ROE) | 5.8632% | 4,167 |
Retained earnings to average equity (ytd only) | 5.2998% | 2,417 |
Net charge-offs to loans | 0.2685% | 2,360 |
Credit loss provision to net charge-offs | 17.6310% | 4,488 |
Earnings coverage of net charge-offs (x) | 7.9903% | 2,752 |
Efficiency ratio | 62.1870% | 5,181 |
Assets per employee ($millions) | 8.1802% | 434 |
Cash dividends to net income (ytd only)* | 9.6090% | 4,050 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5608% | 2,919 |
Loan loss allowance to noncurrent loans | 190.0340% | 2,188 |
Noncurrent assets plus other real estate owned to assets | 0.5887% | 4,472 |
Noncurrent loans to loans | 0.8213% | 3,923 |
Net loans and leases to total assets | 66.8415% | 2,550 |
Net loans and leases to deposits | 81.2951% | 2,281 |
Net loans and leases to core deposits | 85.1313% | 2,548 |
Total domestic deposits to total assets | 79.6302% | 5,524 |
Equity capital to assets | 16.2582% | 494 |
Core capital (leverage) ratio | 12.0860% | 1,543 |
Tier 1 risk-based capital ratio | 13.6095% | 4,576 |
Total risk-based capital ratio | 14.8634% | 4,521 |
Memoranda: | ||
Average total assets | $13,139,957,200 | 94 |
Average earning assets | $11,549,883,200 | 94 |
Average equity | $2,172,201,600 | 69 |
Average total loans | $8,864,147,400 | 88 |
2013-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4700% | 5,750 |
Cost of funding earning assets | 0.0708% | 6,817 |
Net interest margin | 3.3992% | 4,289 |
Noninterest income to average assets | 1.0333% | 1,365 |
Noninterest expense to average assets | 2.5723% | 4,484 |
Loan and lease loss provision to assets | 0.0484% | 4,045 |
Net operating income to assets | 0.9306% | 2,685 |
Return on assets (ROA) | 0.9306% | 2,793 |
Pretax return on assets | 1.3976% | 1,932 |
Return on Equity (ROE) | 5.6051% | 4,407 |
Retained earnings to average equity (ytd only) | 5.0245% | 3,062 |
Net charge-offs to loans | 0.1407% | 3,132 |
Credit loss provision to net charge-offs | 51.0647% | 3,474 |
Earnings coverage of net charge-offs (x) | 15.2632% | 1,879 |
Efficiency ratio | 62.3361% | 5,090 |
Assets per employee ($millions) | 8.1514% | 438 |
Cash dividends to net income (ytd only)* | 10.3582% | 3,469 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7778% | 2,375 |
Loan loss allowance to noncurrent loans | 166.1892% | 2,336 |
Noncurrent assets plus other real estate owned to assets | 0.7965% | 4,110 |
Noncurrent loans to loans | 1.0697% | 3,659 |
Net loans and leases to total assets | 66.0482% | 2,630 |
Net loans and leases to deposits | 80.2469% | 2,375 |
Net loans and leases to core deposits | 83.9068% | 2,665 |
Total domestic deposits to total assets | 79.9061% | 5,532 |
Equity capital to assets | 16.3560% | 487 |
Core capital (leverage) ratio | 12.0417% | 1,649 |
Tier 1 risk-based capital ratio | 13.6820% | 4,641 |
Total risk-based capital ratio | 14.9380% | 4,592 |
Memoranda: | ||
Average total assets | $13,019,928,750 | 93 |
Average earning assets | $11,433,016,250 | 94 |
Average equity | $2,161,657,000 | 68 |
Average total loans | $8,768,134,250 | 88 |
2013-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5024% | 5,691 |
Cost of funding earning assets | 0.0732% | 6,864 |
Net interest margin | 3.4292% | 4,077 |
Noninterest income to average assets | 1.0374% | 1,418 |
Noninterest expense to average assets | 2.7185% | 3,965 |
Loan and lease loss provision to assets | -0.1255% | 6,730 |
Net operating income to assets | 0.9621% | 2,502 |
Return on assets (ROA) | 0.9621% | 2,651 |
Pretax return on assets | 1.4456% | 1,780 |
Return on Equity (ROE) | 5.7653% | 4,309 |
Retained earnings to average equity (ytd only) | 5.1829% | 2,939 |
Net charge-offs to loans | 0.2155% | 2,471 |
Credit loss provision to net charge-offs | -86.4470% | 5,601 |
Earnings coverage of net charge-offs (x) | 9.0893% | 2,328 |
Efficiency ratio | 65.6295% | 4,612 |
Assets per employee ($millions) | 7.8806% | 480 |
Cash dividends to net income (ytd only)* | 10.1006% | 3,307 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6473% | 2,986 |
Loan loss allowance to noncurrent loans | 163.3695% | 2,351 |
Noncurrent assets plus other real estate owned to assets | 0.7839% | 4,263 |
Noncurrent loans to loans | 1.0084% | 3,919 |
Net loans and leases to total assets | 67.4129% | 2,350 |
Net loans and leases to deposits | 82.2690% | 2,030 |
Net loans and leases to core deposits | 85.8549% | 2,346 |
Total domestic deposits to total assets | 79.8539% | 5,639 |
Equity capital to assets | 16.8091% | 435 |
Core capital (leverage) ratio | 12.2411% | 1,482 |
Tier 1 risk-based capital ratio | 13.8937% | 4,495 |
Total risk-based capital ratio | 15.1498% | 4,462 |
Memoranda: | ||
Average total assets | $12,914,679,000 | 96 |
Average earning assets | $11,302,614,330 | 95 |
Average equity | $2,155,148,330 | 68 |
Average total loans | $8,701,713,330 | 88 |
2013-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5576% | 5,565 |
Cost of funding earning assets | 0.0718% | 6,951 |
Net interest margin | 3.4858% | 3,762 |
Noninterest income to average assets | 1.0618% | 1,323 |
Noninterest expense to average assets | 2.5934% | 4,424 |
Loan and lease loss provision to assets | -0.4295% | 6,945 |
Net operating income to assets | 1.2793% | 1,336 |
Return on assets (ROA) | 1.2793% | 1,432 |
Pretax return on assets | 1.9270% | 698 |
Return on Equity (ROE) | 7.6943% | 3,118 |
Retained earnings to average equity (ytd only) | 7.1084% | 2,106 |
Net charge-offs to loans | 0.2058% | 2,190 |
Credit loss provision to net charge-offs | -312.4661% | 5,364 |
Earnings coverage of net charge-offs (x) | 10.8954% | 1,701 |
Efficiency ratio | 61.7263% | 5,342 |
Assets per employee ($millions) | 7.7870% | 533 |
Cash dividends to net income (ytd only)* | 7.6141% | 2,530 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6742% | 3,119 |
Loan loss allowance to noncurrent loans | 128.8324% | 2,715 |
Noncurrent assets plus other real estate owned to assets | 1.0296% | 3,872 |
Noncurrent loans to loans | 1.2996% | 3,612 |
Net loans and leases to total assets | 67.2008% | 2,157 |
Net loans and leases to deposits | 82.3420% | 1,781 |
Net loans and leases to core deposits | 86.0556% | 2,098 |
Total domestic deposits to total assets | 79.4379% | 5,887 |
Equity capital to assets | 16.9797% | 424 |
Core capital (leverage) ratio | 12.5981% | 1,298 |
Tier 1 risk-based capital ratio | 14.1202% | 4,413 |
Total risk-based capital ratio | 15.3765% | 4,367 |
Memoranda: | ||
Average total assets | $12,886,267,000 | 97 |
Average earning assets | $11,198,342,000 | 96 |
Average equity | $2,142,525,500 | 68 |
Average total loans | $8,607,102,000 | 89 |
2012-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6373% | 6,154 |
Cost of funding earning assets | 0.1071% | 6,987 |
Net interest margin | 3.5301% | 4,374 |
Noninterest income to average assets | 1.0718% | 1,357 |
Noninterest expense to average assets | 2.7548% | 4,200 |
Loan and lease loss provision to assets | -0.5145% | 7,045 |
Net operating income to assets | 1.2596% | 1,424 |
Return on assets (ROA) | 1.2817% | 1,511 |
Pretax return on assets | 1.9327% | 691 |
Return on Equity (ROE) | 7.2484% | 3,501 |
Retained earnings to average equity (ytd only) | 3.7292% | 3,593 |
Net charge-offs to loans | 0.0567% | 5,131 |
Credit loss provision to net charge-offs | -1,383.3081% | 6,613 |
Earnings coverage of net charge-offs (x) | 37.2310% | 854 |
Efficiency ratio | 64.6042% | 4,773 |
Assets per employee ($millions) | 7.9760% | 505 |
Cash dividends to net income (ytd only)* | 48.5523% | 2,393 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9259% | 2,206 |
Loan loss allowance to noncurrent loans | 135.9230% | 2,571 |
Noncurrent assets plus other real estate owned to assets | 1.0904% | 3,836 |
Noncurrent loans to loans | 1.4169% | 3,473 |
Net loans and leases to total assets | 64.0202% | 2,894 |
Net loans and leases to deposits | 77.9567% | 2,541 |
Net loans and leases to core deposits | 81.2406% | 2,857 |
Total domestic deposits to total assets | 80.1148% | 5,634 |
Equity capital to assets | 16.2815% | 501 |
Core capital (leverage) ratio | 12.0298% | 1,549 |
Tier 1 risk-based capital ratio | 13.9075% | 4,442 |
Total risk-based capital ratio | 15.1664% | 4,407 |
Memoranda: | ||
Average total assets | $12,419,416,000 | 95 |
Average earning assets | $10,792,590,400 | 98 |
Average equity | $2,196,047,800 | 66 |
Average total loans | $8,150,691,200 | 89 |
2012-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6721% | 6,273 |
Cost of funding earning assets | 0.1167% | 7,094 |
Net interest margin | 3.5554% | 4,416 |
Noninterest income to average assets | 1.0703% | 1,316 |
Noninterest expense to average assets | 2.7853% | 4,035 |
Loan and lease loss provision to assets | -0.5490% | 7,146 |
Net operating income to assets | 1.2954% | 1,449 |
Return on assets (ROA) | 1.3255% | 1,516 |
Pretax return on assets | 1.9859% | 717 |
Return on Equity (ROE) | 7.3417% | 3,617 |
Retained earnings to average equity (ytd only) | 3.8022% | 4,215 |
Net charge-offs to loans | 0.1152% | 4,228 |
Credit loss provision to net charge-offs | -725.3806% | 6,495 |
Earnings coverage of net charge-offs (x) | 18.3904% | 1,564 |
Efficiency ratio | 64.7246% | 4,675 |
Assets per employee ($millions) | 7.5676% | 577 |
Cash dividends to net income (ytd only)* | 48.2112% | 1,767 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1501% | 1,806 |
Loan loss allowance to noncurrent loans | 120.0957% | 2,777 |
Noncurrent assets plus other real estate owned to assets | 1.3365% | 3,627 |
Noncurrent loans to loans | 1.7904% | 3,090 |
Net loans and leases to total assets | 64.1311% | 3,006 |
Net loans and leases to deposits | 78.7133% | 2,567 |
Net loans and leases to core deposits | 82.1180% | 2,950 |
Total domestic deposits to total assets | 79.7509% | 5,717 |
Equity capital to assets | 16.9415% | 468 |
Core capital (leverage) ratio | 12.5497% | 1,381 |
Tier 1 risk-based capital ratio | 14.4209% | 4,240 |
Total risk-based capital ratio | 15.6829% | 4,199 |
Memoranda: | ||
Average total assets | $12,264,079,250 | 94 |
Average earning assets | $10,716,838,500 | 97 |
Average equity | $2,214,252,500 | 66 |
Average total loans | $8,060,196,000 | 92 |
2012-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7255% | 6,292 |
Cost of funding earning assets | 0.1255% | 7,153 |
Net interest margin | 3.6000% | 4,259 |
Noninterest income to average assets | 1.0568% | 1,295 |
Noninterest expense to average assets | 2.7721% | 4,123 |
Loan and lease loss provision to assets | -0.5274% | 7,205 |
Net operating income to assets | 1.3059% | 1,423 |
Return on assets (ROA) | 1.3513% | 1,462 |
Pretax return on assets | 2.0198% | 672 |
Return on Equity (ROE) | 7.3310% | 3,598 |
Retained earnings to average equity (ytd only) | 3.6658% | 4,156 |
Net charge-offs to loans | 0.1585% | 3,652 |
Credit loss provision to net charge-offs | -505.8426% | 6,298 |
Earnings coverage of net charge-offs (x) | 13.6633% | 1,776 |
Efficiency ratio | 64.1006% | 4,886 |
Assets per employee ($millions) | 7.5226% | 578 |
Cash dividends to net income (ytd only)* | 49.9964% | 1,741 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.4199% | 1,384 |
Loan loss allowance to noncurrent loans | 118.1500% | 2,766 |
Noncurrent assets plus other real estate owned to assets | 1.4708% | 3,497 |
Noncurrent loans to loans | 2.0482% | 2,892 |
Net loans and leases to total assets | 62.8755% | 3,254 |
Net loans and leases to deposits | 80.5100% | 2,310 |
Net loans and leases to core deposits | 84.8047% | 2,591 |
Total domestic deposits to total assets | 75.7865% | 6,489 |
Equity capital to assets | 17.7314% | 368 |
Core capital (leverage) ratio | 13.5344% | 968 |
Tier 1 risk-based capital ratio | 15.5481% | 3,410 |
Total risk-based capital ratio | 16.8126% | 3,359 |
Memoranda: | ||
Average total assets | $12,212,634,330 | 94 |
Average earning assets | $10,652,102,670 | 97 |
Average equity | $2,251,047,670 | 63 |
Average total loans | $8,033,906,670 | 91 |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8599% | 6,118 |
Cost of funding earning assets | 0.1345% | 7,211 |
Net interest margin | 3.7254% | 3,710 |
Noninterest income to average assets | 0.9874% | 1,456 |
Noninterest expense to average assets | 2.7223% | 4,343 |
Loan and lease loss provision to assets | -0.7717% | 7,280 |
Net operating income to assets | 1.5083% | 1,005 |
Return on assets (ROA) | 1.5495% | 1,054 |
Pretax return on assets | 2.3360% | 433 |
Return on Equity (ROE) | 8.2452% | 3,173 |
Retained earnings to average equity (ytd only) | 4.6226% | 3,799 |
Net charge-offs to loans | 0.1359% | 3,291 |
Credit loss provision to net charge-offs | -853.9503% | 5,898 |
Earnings coverage of net charge-offs (x) | 16.6200% | 1,349 |
Efficiency ratio | 62.4867% | 5,192 |
Assets per employee ($millions) | 7.2018% | 679 |
Cash dividends to net income (ytd only)* | 43.9363% | 1,643 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.5774% | 1,254 |
Loan loss allowance to noncurrent loans | 104.2970% | 2,964 |
Noncurrent assets plus other real estate owned to assets | 1.7666% | 3,220 |
Noncurrent loans to loans | 2.4712% | 2,636 |
Net loans and leases to total assets | 64.9788% | 2,652 |
Net loans and leases to deposits | 82.2695% | 1,900 |
Net loans and leases to core deposits | 85.5214% | 2,346 |
Total domestic deposits to total assets | 77.9066% | 6,273 |
Equity capital to assets | 19.0585% | 276 |
Core capital (leverage) ratio | 14.3761% | 713 |
Tier 1 risk-based capital ratio | 16.4350% | 2,946 |
Total risk-based capital ratio | 17.7009% | 2,896 |
Memoranda: | ||
Average total assets | $12,101,543,000 | 94 |
Average earning assets | $10,514,513,000 | 97 |
Average equity | $2,274,139,500 | 63 |
Average total loans | $8,044,690,500 | 90 |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2760% | 5,837 |
Cost of funding earning assets | 0.2031% | 7,237 |
Net interest margin | 4.0729% | 2,556 |
Noninterest income to average assets | 1.0838% | 1,133 |
Noninterest expense to average assets | 2.8356% | 4,215 |
Loan and lease loss provision to assets | -0.3262% | 7,320 |
Net operating income to assets | 1.3806% | 1,062 |
Return on assets (ROA) | 1.3920% | 1,130 |
Pretax return on assets | 2.0859% | 454 |
Return on Equity (ROE) | 7.2687% | 3,266 |
Retained earnings to average equity (ytd only) | 5.9692% | 2,034 |
Net charge-offs to loans | 0.9106% | 1,907 |
Credit loss provision to net charge-offs | -52.3041% | 6,670 |
Earnings coverage of net charge-offs (x) | 2.7948% | 3,820 |
Efficiency ratio | 59.6856% | 5,806 |
Assets per employee ($millions) | 7.3791% | 603 |
Cash dividends to net income (ytd only)* | 17.8771% | 3,620 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.8763% | 909 |
Loan loss allowance to noncurrent loans | 96.5262% | 3,129 |
Noncurrent assets plus other real estate owned to assets | 2.0758% | 2,871 |
Noncurrent loans to loans | 2.9798% | 2,177 |
Net loans and leases to total assets | 64.3529% | 3,105 |
Net loans and leases to deposits | 80.6469% | 2,412 |
Net loans and leases to core deposits | 84.2225% | 2,863 |
Total domestic deposits to total assets | 78.3171% | 6,136 |
Equity capital to assets | 18.5300% | 310 |
Core capital (leverage) ratio | 14.4116% | 732 |
Tier 1 risk-based capital ratio | 15.9932% | 3,055 |
Total risk-based capital ratio | 17.2622% | 3,002 |
Memoranda: | ||
Average total assets | $11,452,854,400 | 94 |
Average earning assets | $9,826,490,600 | 97 |
Average equity | $2,193,277,000 | 62 |
Average total loans | $7,842,953,400 | 90 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4367% | 5,471 |
Cost of funding earning assets | 0.2188% | 7,312 |
Net interest margin | 4.2179% | 2,030 |
Noninterest income to average assets | 1.0919% | 1,123 |
Noninterest expense to average assets | 2.8154% | 4,281 |
Loan and lease loss provision to assets | -0.1163% | 7,363 |
Net operating income to assets | 1.3399% | 1,288 |
Return on assets (ROA) | 1.3549% | 1,340 |
Pretax return on assets | 2.0264% | 595 |
Return on Equity (ROE) | 7.0133% | 3,521 |
Retained earnings to average equity (ytd only) | 6.6489% | 2,167 |
Net charge-offs to loans | 1.0847% | 1,470 |
Credit loss provision to net charge-offs | -15.5144% | 6,420 |
Earnings coverage of net charge-offs (x) | 2.5192% | 3,873 |
Efficiency ratio | 57.6678% | 6,063 |
Assets per employee ($millions) | 6.9852% | 741 |
Cash dividends to net income (ytd only)* | 5.1970% | 3,405 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.4015% | 613 |
Loan loss allowance to noncurrent loans | 92.7345% | 3,154 |
Noncurrent assets plus other real estate owned to assets | 2.7348% | 2,373 |
Noncurrent loans to loans | 3.6680% | 1,868 |
Net loans and leases to total assets | 66.8257% | 2,709 |
Net loans and leases to deposits | 85.5635% | 1,741 |
Net loans and leases to core deposits | 90.9764% | 2,119 |
Total domestic deposits to total assets | 75.2947% | 6,607 |
Equity capital to assets | 19.6287% | 269 |
Core capital (leverage) ratio | 14.7609% | 713 |
Tier 1 risk-based capital ratio | 16.1468% | 3,040 |
Total risk-based capital ratio | 17.4211% | 2,991 |
Memoranda: | ||
Average total assets | $11,266,662,000 | 96 |
Average earning assets | $9,646,249,500 | 97 |
Average equity | $2,176,541,500 | 63 |
Average total loans | $7,783,194,750 | 90 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4205% | 5,618 |
Cost of funding earning assets | 0.2330% | 7,379 |
Net interest margin | 4.1875% | 2,083 |
Noninterest income to average assets | 1.0790% | 1,119 |
Noninterest expense to average assets | 2.9022% | 4,015 |
Loan and lease loss provision to assets | 0.0571% | 5,605 |
Net operating income to assets | 1.1426% | 1,747 |
Return on assets (ROA) | 1.1530% | 1,789 |
Pretax return on assets | 1.7137% | 1,029 |
Return on Equity (ROE) | 6.0012% | 3,974 |
Retained earnings to average equity (ytd only) | 6.0012% | 2,433 |
Net charge-offs to loans | 1.2104% | 1,295 |
Credit loss provision to net charge-offs | 6.8307% | 5,277 |
Earnings coverage of net charge-offs (x) | 2.1001% | 3,801 |
Efficiency ratio | 60.0889% | 5,856 |
Assets per employee ($millions) | 6.9375% | 751 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.7423% | 495 |
Loan loss allowance to noncurrent loans | 86.3127% | 3,290 |
Noncurrent assets plus other real estate owned to assets | 3.3279% | 1,993 |
Noncurrent loans to loans | 4.3358% | 1,557 |
Net loans and leases to total assets | 68.3892% | 2,542 |
Net loans and leases to deposits | 87.3265% | 1,605 |
Net loans and leases to core deposits | 93.0008% | 2,019 |
Total domestic deposits to total assets | 75.9467% | 6,607 |
Equity capital to assets | 19.5756% | 284 |
Core capital (leverage) ratio | 14.4899% | 761 |
Tier 1 risk-based capital ratio | 15.6272% | 3,168 |
Total risk-based capital ratio | 16.9055% | 3,122 |
Memoranda: | ||
Average total assets | $11,224,579,000 | 97 |
Average earning assets | $9,591,745,000 | 100 |
Average equity | $2,156,629,670 | 65 |
Average total loans | $7,750,431,000 | 91 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3250% | 5,933 |
Cost of funding earning assets | 0.2452% | 7,445 |
Net interest margin | 4.0798% | 2,349 |
Noninterest income to average assets | 1.0139% | 1,286 |
Noninterest expense to average assets | 2.8113% | 4,397 |
Loan and lease loss provision to assets | 0.1192% | 4,521 |
Net operating income to assets | 1.0542% | 1,988 |
Return on assets (ROA) | 1.0542% | 2,041 |
Pretax return on assets | 1.5599% | 1,281 |
Return on Equity (ROE) | 5.5390% | 4,143 |
Retained earnings to average equity (ytd only) | 5.5390% | 2,888 |
Net charge-offs to loans | 1.3825% | 994 |
Credit loss provision to net charge-offs | 12.6735% | 4,362 |
Earnings coverage of net charge-offs (x) | 1.7847% | 3,410 |
Efficiency ratio | 60.3035% | 5,945 |
Assets per employee ($millions) | 6.9228% | 767 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
Condition Ratios (%) | ||
Loss allowance to loans | 4.1399% | 385 |
Loan loss allowance to noncurrent loans | 86.2286% | 3,310 |
Noncurrent assets plus other real estate owned to assets | 3.7559% | 1,800 |
Noncurrent loans to loans | 4.8011% | 1,418 |
Net loans and leases to total assets | 66.0120% | 3,004 |
Net loans and leases to deposits | 85.1423% | 1,858 |
Net loans and leases to core deposits | 91.2623% | 2,202 |
Total domestic deposits to total assets | 74.8321% | 6,819 |
Equity capital to assets | 19.3070% | 288 |
Core capital (leverage) ratio | 14.1348% | 825 |
Tier 1 risk-based capital ratio | 15.7937% | 3,004 |
Total risk-based capital ratio | 17.0764% | 2,952 |
Memoranda: | ||
Average total assets | $11,241,736,500 | 99 |
Average earning assets | $9,579,386,500 | 101 |
Average equity | $2,139,662,500 | 65 |
Average total loans | $7,650,416,500 | 92 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6367% | 5,997 |
Cost of funding earning assets | 0.3601% | 7,462 |
Net interest margin | 4.2767% | 1,899 |
Noninterest income to average assets | 1.0186% | 1,446 |
Noninterest expense to average assets | 2.8750% | 4,333 |
Loan and lease loss provision to assets | 1.0456% | 1,541 |
Net operating income to assets | 0.5055% | 4,072 |
Return on assets (ROA) | 0.5070% | 4,224 |
Pretax return on assets | 0.7071% | 3,951 |
Return on Equity (ROE) | 2.7920% | 5,042 |
Retained earnings to average equity (ytd only) | 2.7920% | 3,902 |
Net charge-offs to loans | 1.9775% | 1,030 |
Credit loss provision to net charge-offs | 75.5489% | 5,711 |
Earnings coverage of net charge-offs (x) | 1.2648% | 4,842 |
Efficiency ratio | 59.5924% | 6,107 |
Assets per employee ($millions) | 7.0204% | 735 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
Condition Ratios (%) | ||
Loss allowance to loans | 4.4805% | 274 |
Loan loss allowance to noncurrent loans | 92.3375% | 3,090 |
Noncurrent assets plus other real estate owned to assets | 3.7456% | 1,834 |
Noncurrent loans to loans | 4.8523% | 1,419 |
Net loans and leases to total assets | 64.2429% | 3,827 |
Net loans and leases to deposits | 81.6749% | 2,870 |
Net loans and leases to core deposits | 87.9607% | 3,057 |
Total domestic deposits to total assets | 75.7788% | 6,657 |
Equity capital to assets | 18.7634% | 326 |
Core capital (leverage) ratio | 13.8362% | 877 |
Tier 1 risk-based capital ratio | 15.6048% | 2,947 |
Total risk-based capital ratio | 16.8912% | 2,889 |
Memoranda: | ||
Average total assets | $11,405,266,600 | 94 |
Average earning assets | $9,619,328,600 | 100 |
Average equity | $2,071,034,000 | 63 |
Average total loans | $7,982,586,000 | 89 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6992% | 6,021 |
Cost of funding earning assets | 0.3840% | 7,582 |
Net interest margin | 4.3152% | 1,793 |
Noninterest income to average assets | 1.0121% | 1,434 |
Noninterest expense to average assets | 2.7481% | 4,692 |
Loan and lease loss provision to assets | 1.3519% | 1,008 |
Net operating income to assets | 0.3959% | 4,766 |
Return on assets (ROA) | 0.3979% | 4,936 |
Pretax return on assets | 0.5495% | 4,764 |
Return on Equity (ROE) | 2.2096% | 5,527 |
Retained earnings to average equity (ytd only) | 2.2096% | 4,845 |
Net charge-offs to loans | 1.9763% | 960 |
Credit loss provision to net charge-offs | 96.8040% | 4,476 |
Earnings coverage of net charge-offs (x) | 1.3595% | 4,719 |
Efficiency ratio | 56.5929% | 6,475 |
Assets per employee ($millions) | 6.8011% | 833 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
Condition Ratios (%) | ||
Loss allowance to loans | 4.8609% | 195 |
Loan loss allowance to noncurrent loans | 83.3060% | 3,269 |
Noncurrent assets plus other real estate owned to assets | 4.6400% | 1,444 |
Noncurrent loans to loans | 5.8350% | 1,103 |
Net loans and leases to total assets | 66.9177% | 3,480 |
Net loans and leases to deposits | 86.1584% | 2,302 |
Net loans and leases to core deposits | 93.7830% | 2,554 |
Total domestic deposits to total assets | 75.0544% | 6,790 |
Equity capital to assets | 19.1322% | 343 |
Core capital (leverage) ratio | 12.7714% | 1,308 |
Tier 1 risk-based capital ratio | 15.2116% | 3,148 |
Total risk-based capital ratio | 16.5059% | 3,092 |
Memoranda: | ||
Average total assets | $11,425,611,250 | 93 |
Average earning assets | $9,623,654,500 | 99 |
Average equity | $2,057,605,500 | 64 |
Average total loans | $8,074,226,750 | 88 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6698% | 6,248 |
Cost of funding earning assets | 0.3910% | 7,661 |
Net interest margin | 4.2788% | 1,856 |
Noninterest income to average assets | 1.0173% | 1,330 |
Noninterest expense to average assets | 2.5934% | 5,349 |
Loan and lease loss provision to assets | 1.6825% | 754 |
Net operating income to assets | 0.2653% | 5,312 |
Return on assets (ROA) | 0.2685% | 5,451 |
Pretax return on assets | 0.3474% | 5,380 |
Return on Equity (ROE) | 1.5208% | 5,795 |
Retained earnings to average equity (ytd only) | 1.5208% | 5,108 |
Net charge-offs to loans | 2.2213% | 805 |
Credit loss provision to net charge-offs | 107.0217% | 3,816 |
Earnings coverage of net charge-offs (x) | 1.2886% | 4,538 |
Efficiency ratio | 53.6118% | 6,922 |
Assets per employee ($millions) | 7.5730% | 607 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
Condition Ratios (%) | ||
Loss allowance to loans | 4.9044% | 180 |
Loan loss allowance to noncurrent loans | 80.9973% | 3,354 |
Noncurrent assets plus other real estate owned to assets | 4.4883% | 1,483 |
Noncurrent loans to loans | 6.0551% | 1,052 |
Net loans and leases to total assets | 60.9650% | 4,878 |
Net loans and leases to deposits | 76.0546% | 4,327 |
Net loans and leases to core deposits | 85.2041% | 3,957 |
Total domestic deposits to total assets | 75.2039% | 6,825 |
Equity capital to assets | 16.9639% | 530 |
Core capital (leverage) ratio | 12.6850% | 1,330 |
Tier 1 risk-based capital ratio | 14.4361% | 3,479 |
Total risk-based capital ratio | 15.7282% | 3,422 |
Memoranda: | ||
Average total assets | $11,568,333,330 | 92 |
Average earning assets | $9,738,082,330 | 96 |
Average equity | $2,042,123,330 | 64 |
Average total loans | $8,187,220,330 | 85 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8964% | 5,477 |
Cost of funding earning assets | 0.4181% | 7,760 |
Net interest margin | 4.4783% | 1,193 |
Noninterest income to average assets | 1.0420% | 1,176 |
Noninterest expense to average assets | 2.5797% | 5,435 |
Loan and lease loss provision to assets | 1.8160% | 619 |
Net operating income to assets | 0.2908% | 5,333 |
Return on assets (ROA) | 0.2963% | 5,445 |
Pretax return on assets | 0.3889% | 5,331 |
Return on Equity (ROE) | 1.6431% | 5,905 |
Retained earnings to average equity (ytd only) | 1.6431% | 5,114 |
Net charge-offs to loans | 2.1013% | 813 |
Credit loss provision to net charge-offs | 116.1187% | 3,001 |
Earnings coverage of net charge-offs (x) | 1.4053% | 3,905 |
Efficiency ratio | 51.4720% | 7,195 |
Assets per employee ($millions) | 7.0782% | 783 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
Condition Ratios (%) | ||
Loss allowance to loans | 4.6974% | 223 |
Loan loss allowance to noncurrent loans | 68.2551% | 3,946 |
Noncurrent assets plus other real estate owned to assets | 5.3824% | 1,159 |
Noncurrent loans to loans | 6.8821% | 877 |
Net loans and leases to total assets | 69.2667% | 3,094 |
Net loans and leases to deposits | 87.6481% | 2,292 |
Net loans and leases to core deposits | 98.2899% | 2,315 |
Total domestic deposits to total assets | 74.9874% | 6,902 |
Equity capital to assets | 18.3128% | 393 |
Core capital (leverage) ratio | 12.9681% | 1,221 |
Tier 1 risk-based capital ratio | 14.0030% | 3,651 |
Total risk-based capital ratio | 15.2929% | 3,592 |
Memoranda: | ||
Average total assets | $11,210,765,000 | 95 |
Average earning assets | $9,351,061,500 | 101 |
Average equity | $2,021,309,500 | 60 |
Average total loans | $8,343,415,500 | 83 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0229% | 6,362 |
Cost of funding earning assets | 0.8700% | 7,451 |
Net interest margin | 4.1529% | 2,238 |
Noninterest income to average assets | 1.0706% | 1,341 |
Noninterest expense to average assets | 8.3737% | 124 |
Loan and lease loss provision to assets | 3.4858% | 447 |
Net operating income to assets | -6.5966% | 7,869 |
Return on assets (ROA) | -6.6270% | 7,865 |
Pretax return on assets | -7.3638% | 7,889 |
Return on Equity (ROE) | -40.4010% | 7,576 |
Retained earnings to average equity (ytd only) | -41.6068% | 7,579 |
Net charge-offs to loans | 1.6242% | 1,557 |
Credit loss provision to net charge-offs | 283.6214% | 1,190 |
Earnings coverage of net charge-offs (x) | -3.1278% | 7,059 |
Efficiency ratio | 61.9628% | 6,161 |
Assets per employee ($millions) | 6.9613% | 814 |
Cash dividends to net income (ytd only)* | -2.9846% | 7,463 |
Condition Ratios (%) | ||
Loss allowance to loans | 4.4948% | 253 |
Loan loss allowance to noncurrent loans | 73.1771% | 3,754 |
Noncurrent assets plus other real estate owned to assets | 5.0848% | 1,199 |
Noncurrent loans to loans | 6.1423% | 1,016 |
Net loans and leases to total assets | 72.7787% | 2,559 |
Net loans and leases to deposits | 90.8789% | 2,067 |
Net loans and leases to core deposits | 111.3375% | 2,759 |
Total domestic deposits to total assets | 75.0060% | 6,867 |
Equity capital to assets | 17.7411% | 467 |
Core capital (leverage) ratio | 11.7944% | 1,760 |
Tier 1 risk-based capital ratio | 12.2875% | 4,700 |
Total risk-based capital ratio | 13.5722% | 4,621 |
Memoranda: | ||
Average total assets | $11,656,764,800 | 93 |
Average earning assets | $9,708,666,400 | 98 |
Average equity | $1,912,063,800 | 62 |
Average total loans | $8,820,709,800 | 80 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0096% | 6,576 |
Cost of funding earning assets | 0.9672% | 7,454 |
Net interest margin | 4.0424% | 2,626 |
Noninterest income to average assets | 1.0678% | 1,389 |
Noninterest expense to average assets | 10.0085% | 100 |
Loan and lease loss provision to assets | 2.9121% | 520 |
Net operating income to assets | -7.9589% | 8,009 |
Return on assets (ROA) | -8.0034% | 8,010 |
Pretax return on assets | -8.5224% | 8,010 |
Return on Equity (ROE) | -49.7455% | 7,830 |
Retained earnings to average equity (ytd only) | -51.3649% | 7,837 |
Net charge-offs to loans | 1.3443% | 1,529 |
Credit loss provision to net charge-offs | 286.7613% | 1,457 |
Earnings coverage of net charge-offs (x) | -5.4781% | 6,861 |
Efficiency ratio | 61.1684% | 6,245 |
Assets per employee ($millions) | 7.0856% | 760 |
Cash dividends to net income (ytd only)* | -3.2554% | 7,668 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.3050% | 502 |
Loan loss allowance to noncurrent loans | 71.5489% | 3,750 |
Noncurrent assets plus other real estate owned to assets | 3.8376% | 1,684 |
Noncurrent loans to loans | 4.6192% | 1,498 |
Net loans and leases to total assets | 73.3094% | 2,709 |
Net loans and leases to deposits | 92.1394% | 2,209 |
Net loans and leases to core deposits | 122.5564% | 2,027 |
Total domestic deposits to total assets | 70.7236% | 7,354 |
Equity capital to assets | 17.3426% | 585 |
Core capital (leverage) ratio | 11.8475% | 1,871 |
Tier 1 risk-based capital ratio | 12.0232% | 4,956 |
Total risk-based capital ratio | 13.2944% | 4,871 |
Memoranda: | ||
Average total assets | $11,798,635,500 | 98 |
Average earning assets | $9,858,531,000 | 101 |
Average equity | $1,898,238,250 | 65 |
Average total loans | $8,913,271,250 | 82 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0253% | 6,686 |
Cost of funding earning assets | 1.0766% | 7,423 |
Net interest margin | 3.9487% | 2,891 |
Noninterest income to average assets | 1.1381% | 1,215 |
Noninterest expense to average assets | 13.1737% | 79 |
Loan and lease loss provision to assets | 3.5763% | 393 |
Net operating income to assets | -11.6704% | 8,146 |
Return on assets (ROA) | -11.7432% | 8,141 |
Pretax return on assets | -12.4158% | 8,141 |
Return on Equity (ROE) | -74.8396% | 8,029 |
Retained earnings to average equity (ytd only) | -76.1260% | 8,030 |
Net charge-offs to loans | 0.9110% | 1,884 |
Credit loss provision to net charge-offs | 520.2265% | 888 |
Earnings coverage of net charge-offs (x) | -12.7467% | 6,540 |
Efficiency ratio | 55.2998% | 7,192 |
Assets per employee ($millions) | 7.0519% | 760 |
Cash dividends to net income (ytd only)* | -1.7189% | 7,759 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.2790% | 457 |
Loan loss allowance to noncurrent loans | 100.7280% | 2,880 |
Noncurrent assets plus other real estate owned to assets | 2.9284% | 2,179 |
Noncurrent loans to loans | 3.2553% | 2,182 |
Net loans and leases to total assets | 73.5653% | 2,826 |
Net loans and leases to deposits | 92.3724% | 2,399 |
Net loans and leases to core deposits | 123.7728% | 2,049 |
Total domestic deposits to total assets | 71.7744% | 7,267 |
Equity capital to assets | 14.2816% | 1,229 |
Core capital (leverage) ratio | 8.6708% | 5,143 |
Tier 1 risk-based capital ratio | 8.5878% | 7,833 |
Total risk-based capital ratio | 11.9521% | 6,124 |
Memoranda: | ||
Average total assets | $11,945,447,000 | 102 |
Average earning assets | $9,900,491,000 | 106 |
Average equity | $1,874,382,000 | 69 |
Average total loans | $9,013,953,330 | 87 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0297% | 6,860 |
Cost of funding earning assets | 1.1480% | 7,422 |
Net interest margin | 3.8817% | 3,128 |
Noninterest income to average assets | 1.1612% | 1,087 |
Noninterest expense to average assets | 23.3684% | 49 |
Loan and lease loss provision to assets | 1.5021% | 836 |
Net operating income to assets | -20.5315% | 8,225 |
Return on assets (ROA) | -20.6911% | 8,219 |
Pretax return on assets | -20.6589% | 8,216 |
Return on Equity (ROE) | -126.4282% | 8,168 |
Retained earnings to average equity (ytd only) | -127.4480% | 8,166 |
Net charge-offs to loans | 0.4839% | 2,245 |
Credit loss provision to net charge-offs | 412.8936% | 1,275 |
Earnings coverage of net charge-offs (x) | -52.2202% | 5,696 |
Efficiency ratio | 53.3959% | 7,279 |
Assets per employee ($millions) | 6.8013% | 845 |
Cash dividends to net income (ytd only)* | -0.8066% | 8,026 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6738% | 2,228 |
Loan loss allowance to noncurrent loans | 111.2118% | 2,783 |
Noncurrent assets plus other real estate owned to assets | 1.3059% | 4,057 |
Noncurrent loans to loans | 1.5050% | 4,031 |
Net loans and leases to total assets | 74.7787% | 2,559 |
Net loans and leases to deposits | 96.5449% | 1,865 |
Net loans and leases to core deposits | 134.2858% | 1,404 |
Total domestic deposits to total assets | 67.5985% | 7,621 |
Equity capital to assets | 14.0343% | 1,354 |
Core capital (leverage) ratio | 8.1710% | 6,157 |
Tier 1 risk-based capital ratio | 8.2904% | 7,979 |
Total risk-based capital ratio | 11.5646% | 6,503 |
Memoranda: | ||
Average total assets | $12,117,961,000 | 103 |
Average earning assets | $10,020,881,500 | 106 |
Average equity | $1,983,212,000 | 64 |
Average total loans | $9,109,333,500 | 88 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.0871% | 5,110 |
Cost of funding earning assets | 1.9778% | 6,484 |
Net interest margin | 4.1093% | 2,671 |
Noninterest income to average assets | 1.4172% | 720 |
Noninterest expense to average assets | 2.5211% | 5,928 |
Loan and lease loss provision to assets | 0.5956% | 2,443 |
Net operating income to assets | 1.0418% | 2,394 |
Return on assets (ROA) | 1.0568% | 2,224 |
Pretax return on assets | 1.5709% | 1,474 |
Return on Equity (ROE) | 5.8556% | 4,005 |
Retained earnings to average equity (ytd only) | 4.0313% | 2,622 |
Net charge-offs to loans | 0.2811% | 3,521 |
Credit loss provision to net charge-offs | 299.1339% | 1,516 |
Earnings coverage of net charge-offs (x) | 10.7691% | 2,463 |
Efficiency ratio | 50.3326% | 7,638 |
Assets per employee ($millions) | 7.0878% | 680 |
Cash dividends to net income (ytd only)* | 31.1546% | 4,072 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2716% | 3,978 |
Loan loss allowance to noncurrent loans | 212.4102% | 1,845 |
Noncurrent assets plus other real estate owned to assets | 0.5037% | 5,680 |
Noncurrent loans to loans | 0.5987% | 5,577 |
Net loans and leases to total assets | 73.3812% | 3,269 |
Net loans and leases to deposits | 105.0587% | 1,226 |
Net loans and leases to core deposits | 148.5262% | 911 |
Total domestic deposits to total assets | 59.1358% | 7,990 |
Equity capital to assets | 18.6084% | 586 |
Core capital (leverage) ratio | 8.6680% | 5,255 |
Tier 1 risk-based capital ratio | 8.1033% | 8,069 |
Total risk-based capital ratio | 11.1324% | 6,750 |
Memoranda: | ||
Average total assets | $12,119,054,000 | 98 |
Average earning assets | $9,579,048,200 | 106 |
Average equity | $2,187,167,400 | 61 |
Average total loans | $8,584,253,800 | 94 |