Home > Mile High Banks > Performance and Condition Ratios
Mile High Banks, Performance and Condition Ratios
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 | 5.1974% | 649 |
Cost of funding earning assets | 0.6866% | 2,039 |
Net interest margin | 4.5108% | 727 |
Noninterest income to average assets | 0.0514% | 6,630 |
Noninterest expense to average assets | 2.7538% | 3,818 |
Loan and lease loss provision to assets | 0.3090% | 1,096 |
Net operating income to assets | 0.8895% | 2,887 |
Return on assets (ROA) | 0.8897% | 3,002 |
Pretax return on assets | 0.8897% | 3,930 |
Return on Equity (ROE) | 6.6574% | 3,836 |
Retained earnings to average equity (ytd only) | 6.6574% | 2,058 |
Net charge-offs to loans | 0.2045% | 2,599 |
Credit loss provision to net charge-offs | 224.6609% | 1,089 |
Earnings coverage of net charge-offs (x) | 8.7139% | 2,586 |
Efficiency ratio | 67.4576% | 4,194 |
Assets per employee ($millions) | 6.7498% | 834 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.2097% | 6,789 |
Loan loss allowance to noncurrent loans | 1.9095% | 6,385 |
Noncurrent assets plus other real estate owned to assets | 10.2150% | 132 |
Noncurrent loans to loans | 10.9842% | 104 |
Net loans and leases to total assets | 63.0638% | 3,156 |
Net loans and leases to deposits | 74.4881% | 3,158 |
Net loans and leases to core deposits | 76.6624% | 3,544 |
Total domestic deposits to total assets | 84.6629% | 3,900 |
Equity capital to assets | 14.1153% | 930 |
Core capital (leverage) ratio | 9.6993% | 4,106 |
Tier 1 risk-based capital ratio | 14.6624% | 3,975 |
Total risk-based capital ratio | 14.8690% | 4,637 |
Memoranda: | ||
Average total assets | $786,186,000 | 853 |
Average earning assets | $679,884,750 | 891 |
Average equity | $105,064,000 | 679 |
Average total loans | $528,716,750 | 795 |
2013-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1943% | 643 |
Cost of funding earning assets | 0.7328% | 1,817 |
Net interest margin | 4.4616% | 763 |
Noninterest income to average assets | 0.0154% | 6,756 |
Noninterest expense to average assets | 2.7468% | 3,866 |
Loan and lease loss provision to assets | 0.2783% | 1,320 |
Net operating income to assets | 0.8443% | 3,078 |
Return on assets (ROA) | 0.8446% | 3,226 |
Pretax return on assets | 0.8446% | 4,138 |
Return on Equity (ROE) | 6.4358% | 3,912 |
Retained earnings to average equity (ytd only) | 6.4358% | 2,181 |
Net charge-offs to loans | 0.1080% | 3,276 |
Credit loss provision to net charge-offs | 375.8503% | 688 |
Earnings coverage of net charge-offs (x) | 15.1599% | 1,765 |
Efficiency ratio | 68.7476% | 4,050 |
Assets per employee ($millions) | 8.3861% | 399 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.1563% | 6,849 |
Loan loss allowance to noncurrent loans | 1.4085% | 6,455 |
Noncurrent assets plus other real estate owned to assets | 11.5347% | 114 |
Noncurrent loans to loans | 11.0980% | 115 |
Net loans and leases to total assets | 65.7133% | 2,637 |
Net loans and leases to deposits | 77.0063% | 2,725 |
Net loans and leases to core deposits | 79.1393% | 3,143 |
Total domestic deposits to total assets | 85.3350% | 3,729 |
Equity capital to assets | 13.4174% | 1,174 |
Core capital (leverage) ratio | 9.3954% | 4,395 |
Tier 1 risk-based capital ratio | 13.2153% | 4,982 |
Total risk-based capital ratio | 13.3691% | 5,667 |
Memoranda: | ||
Average total assets | $794,004,330 | 844 |
Average earning assets | $685,903,000 | 886 |
Average equity | $104,198,000 | 689 |
Average total loans | $544,283,000 | 765 |
2013-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2924% | 520 |
Cost of funding earning assets | 1.0256% | 533 |
Net interest margin | 4.2668% | 1,031 |
Noninterest income to average assets | 0.4432% | 4,154 |
Noninterest expense to average assets | 2.8863% | 3,393 |
Loan and lease loss provision to assets | 0.2414% | 1,497 |
Net operating income to assets | 1.0014% | 2,218 |
Return on assets (ROA) | 1.0019% | 2,333 |
Pretax return on assets | 1.0019% | 3,346 |
Return on Equity (ROE) | 7.7205% | 3,107 |
Retained earnings to average equity (ytd only) | 7.7205% | 1,850 |
Net charge-offs to loans | -0.0208% | 5,734 |
Credit loss provision to net charge-offs | -1,658.6207% | 5,733 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 67.8094% | 4,342 |
Assets per employee ($millions) | 8.6703% | 367 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.0938% | 6,938 |
Loan loss allowance to noncurrent loans | 1.1221% | 6,523 |
Noncurrent assets plus other real estate owned to assets | 10.3233% | 176 |
Noncurrent loans to loans | 8.3579% | 304 |
Net loans and leases to total assets | 70.4034% | 1,594 |
Net loans and leases to deposits | 82.7918% | 1,735 |
Net loans and leases to core deposits | 84.9294% | 2,222 |
Total domestic deposits to total assets | 85.0367% | 4,021 |
Equity capital to assets | 13.5307% | 1,203 |
Core capital (leverage) ratio | 9.2781% | 4,436 |
Tier 1 risk-based capital ratio | 12.8036% | 5,367 |
Total risk-based capital ratio | 12.8976% | 6,085 |
Memoranda: | ||
Average total assets | $796,861,000 | 841 |
Average earning assets | $688,382,000 | 890 |
Average equity | $103,413,000 | 707 |
Average total loans | $557,013,000 | 750 |
2012-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 0.0000% | 7,081 |
Cost of funding earning assets | 0.0000% | 7,072 |
Net interest margin | 0.0000% | 7,079 |
Noninterest income to average assets | 0.0000% | 6,818 |
Noninterest expense to average assets | 0.0000% | 7,081 |
Loan and lease loss provision to assets | 0.0000% | 5,905 |
Net operating income to assets | 0.0000% | 6,168 |
Return on assets (ROA) | 0.0000% | 6,303 |
Pretax return on assets | 0.0000% | 6,282 |
Return on Equity (ROE) | 0.0000% | 6,304 |
Retained earnings to average equity (ytd only) | 0.0000% | 5,830 |
Net charge-offs to loans | 1.8816% | 410 |
Credit loss provision to net charge-offs | 0.0000% | 5,483 |
Earnings coverage of net charge-offs (x) | 0.0000% | 5,483 |
Efficiency ratio | NA | NA |
Assets per employee ($millions) | 9.5589% | 278 |
Cash dividends to net income (ytd only)* | NA | NA |
Condition Ratios (%) | ||
Loss allowance to loans | 0.0000% | 7,009 |
Loan loss allowance to noncurrent loans | 0.0000% | 6,579 |
Noncurrent assets plus other real estate owned to assets | 8.7614% | 293 |
Noncurrent loans to loans | 6.2656% | 553 |
Net loans and leases to total assets | 69.3672% | 1,963 |
Net loans and leases to deposits | 80.8984% | 2,160 |
Net loans and leases to core deposits | 82.9990% | 2,667 |
Total domestic deposits to total assets | 85.7461% | 3,489 |
Equity capital to assets | 12.4583% | 1,740 |
Core capital (leverage) ratio | 9.0399% | 4,831 |
Tier 1 risk-based capital ratio | 11.8993% | 5,843 |
Total risk-based capital ratio | 11.8993% | 6,459 |
Memoranda: | ||
Average total assets | $871,143,400 | 757 |
Average earning assets | $777,679,200 | 768 |
Average equity | $40,433,200 | 1,722 |
Average total loans | $699,999,000 | 590 |
2012-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4433% | 3,865 |
Cost of funding earning assets | 1.0743% | 1,171 |
Net interest margin | 3.3689% | 5,144 |
Noninterest income to average assets | -0.0311% | 6,986 |
Noninterest expense to average assets | 2.3507% | 5,541 |
Loan and lease loss provision to assets | 0.7881% | 607 |
Net operating income to assets | -0.1419% | 6,447 |
Return on assets (ROA) | -0.1419% | 6,527 |
Pretax return on assets | -0.1419% | 6,509 |
Return on Equity (ROE) | -5.0257% | 6,715 |
Retained earnings to average equity (ytd only) | -5.0257% | 6,616 |
Net charge-offs to loans | 1.3644% | 673 |
Credit loss provision to net charge-offs | 69.6731% | 3,915 |
Earnings coverage of net charge-offs (x) | 0.5713% | 5,033 |
Efficiency ratio | 78.4358% | 2,332 |
Assets per employee ($millions) | 9.0993% | 311 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
Condition Ratios (%) | ||
Loss allowance to loans | 5.1280% | 133 |
Loan loss allowance to noncurrent loans | 54.4800% | 4,912 |
Noncurrent assets plus other real estate owned to assets | 14.0125% | 110 |
Noncurrent loans to loans | 9.4126% | 283 |
Net loans and leases to total assets | 78.9955% | 610 |
Net loans and leases to deposits | 81.8747% | 2,136 |
Net loans and leases to core deposits | 83.9849% | 2,701 |
Total domestic deposits to total assets | 96.4834% | 22 |
Equity capital to assets | 3.0817% | 7,131 |
Core capital (leverage) ratio | 3.0386% | 7,129 |
Tier 1 risk-based capital ratio | 3.8251% | 7,141 |
Total risk-based capital ratio | 5.1250% | 7,141 |
Memoranda: | ||
Average total assets | $883,413,500 | 750 |
Average earning assets | $794,022,500 | 755 |
Average equity | $24,937,750 | 2,692 |
Average total loans | $732,438,250 | 563 |
2012-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4539% | 3,964 |
Cost of funding earning assets | 1.1011% | 1,216 |
Net interest margin | 3.3528% | 5,256 |
Noninterest income to average assets | 0.0119% | 6,966 |
Noninterest expense to average assets | 2.3775% | 5,537 |
Loan and lease loss provision to assets | 1.1503% | 366 |
Net operating income to assets | -0.4914% | 6,731 |
Return on assets (ROA) | -0.4914% | 6,771 |
Pretax return on assets | -0.4914% | 6,744 |
Return on Equity (ROE) | -17.8972% | 7,011 |
Retained earnings to average equity (ytd only) | -17.8972% | 6,984 |
Net charge-offs to loans | 1.4865% | 671 |
Credit loss provision to net charge-offs | 93.4503% | 2,940 |
Earnings coverage of net charge-offs (x) | 0.5353% | 4,802 |
Efficiency ratio | 78.3009% | 2,421 |
Assets per employee ($millions) | 9.5203% | 274 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
Condition Ratios (%) | ||
Loss allowance to loans | 5.1391% | 146 |
Loan loss allowance to noncurrent loans | 53.8833% | 4,917 |
Noncurrent assets plus other real estate owned to assets | 13.0885% | 144 |
Noncurrent loans to loans | 9.5375% | 294 |
Net loans and leases to total assets | 79.4844% | 566 |
Net loans and leases to deposits | 82.1418% | 2,092 |
Net loans and leases to core deposits | 84.4461% | 2,634 |
Total domestic deposits to total assets | 96.7649% | 23 |
Equity capital to assets | 2.7931% | 7,189 |
Core capital (leverage) ratio | 2.6930% | 7,191 |
Tier 1 risk-based capital ratio | 3.4934% | 7,201 |
Total risk-based capital ratio | 4.7944% | 7,201 |
Memoranda: | ||
Average total assets | $907,938,000 | 731 |
Average earning assets | $819,017,000 | 736 |
Average equity | $24,931,330 | 2,681 |
Average total loans | $751,812,330 | 542 |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4541% | 4,094 |
Cost of funding earning assets | 1.1120% | 1,339 |
Net interest margin | 3.3421% | 5,328 |
Noninterest income to average assets | 0.1573% | 6,443 |
Noninterest expense to average assets | 2.2570% | 5,884 |
Loan and lease loss provision to assets | 1.2005% | 319 |
Net operating income to assets | -0.2839% | 6,696 |
Return on assets (ROA) | -0.2839% | 6,736 |
Pretax return on assets | -0.2839% | 6,720 |
Return on Equity (ROE) | -10.4209% | 6,996 |
Retained earnings to average equity (ytd only) | -10.4209% | 6,851 |
Net charge-offs to loans | 2.0835% | 439 |
Credit loss provision to net charge-offs | 69.9627% | 2,914 |
Earnings coverage of net charge-offs (x) | 0.5342% | 4,068 |
Efficiency ratio | 71.1177% | 3,599 |
Assets per employee ($millions) | 10.2925% | 219 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
Condition Ratios (%) | ||
Loss allowance to loans | 4.7526% | 211 |
Loan loss allowance to noncurrent loans | 50.7684% | 5,024 |
Noncurrent assets plus other real estate owned to assets | 12.9119% | 170 |
Noncurrent loans to loans | 9.3613% | 345 |
Net loans and leases to total assets | 77.9802% | 592 |
Net loans and leases to deposits | 80.6101% | 2,124 |
Net loans and leases to core deposits | 82.7961% | 2,711 |
Total domestic deposits to total assets | 96.7375% | 23 |
Equity capital to assets | 2.7544% | 7,247 |
Core capital (leverage) ratio | 2.6708% | 7,247 |
Tier 1 risk-based capital ratio | 3.5357% | 7,260 |
Total risk-based capital ratio | 4.8333% | 7,260 |
Memoranda: | ||
Average total assets | $938,253,500 | 705 |
Average earning assets | $846,765,500 | 708 |
Average equity | $25,564,000 | 2,617 |
Average total loans | $772,737,000 | 519 |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5531% | 4,867 |
Cost of funding earning assets | 1.3213% | 1,387 |
Net interest margin | 3.2318% | 6,006 |
Noninterest income to average assets | -0.1240% | 7,119 |
Noninterest expense to average assets | 2.1852% | 6,302 |
Loan and lease loss provision to assets | 2.9832% | 124 |
Net operating income to assets | -3.1640% | 7,201 |
Return on assets (ROA) | -3.1640% | 7,202 |
Pretax return on assets | -2.3207% | 7,089 |
Return on Equity (ROE) | -70.2740% | 7,275 |
Retained earnings to average equity (ytd only) | -70.2740% | 7,275 |
Net charge-offs to loans | 3.6184% | 199 |
Credit loss provision to net charge-offs | 99.4878% | 3,593 |
Earnings coverage of net charge-offs (x) | 0.2209% | 5,660 |
Efficiency ratio | 76.7356% | 2,781 |
Assets per employee ($millions) | 10.3277% | 213 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
Condition Ratios (%) | ||
Loss allowance to loans | 4.6325% | 234 |
Loan loss allowance to noncurrent loans | 67.8649% | 4,142 |
Noncurrent assets plus other real estate owned to assets | 10.6373% | 287 |
Noncurrent loans to loans | 6.8261% | 659 |
Net loans and leases to total assets | 78.9875% | 614 |
Net loans and leases to deposits | 81.6560% | 2,249 |
Net loans and leases to core deposits | 84.6764% | 2,788 |
Total domestic deposits to total assets | 96.7320% | 25 |
Equity capital to assets | 2.6963% | 7,290 |
Core capital (leverage) ratio | 2.6147% | 7,286 |
Tier 1 risk-based capital ratio | 3.3618% | 7,303 |
Total risk-based capital ratio | 4.6553% | 7,305 |
Memoranda: | ||
Average total assets | $1,080,883,200 | 601 |
Average earning assets | $993,908,800 | 593 |
Average equity | $48,665,200 | 1,402 |
Average total loans | $895,730,800 | 468 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5345% | 5,148 |
Cost of funding earning assets | 1.3473% | 1,465 |
Net interest margin | 3.1872% | 6,190 |
Noninterest income to average assets | -0.1811% | 7,255 |
Noninterest expense to average assets | 1.9943% | 6,704 |
Loan and lease loss provision to assets | 2.9560% | 114 |
Net operating income to assets | -2.1922% | 7,169 |
Return on assets (ROA) | -2.1922% | 7,177 |
Pretax return on assets | -2.1922% | 7,159 |
Return on Equity (ROE) | -44.8061% | 7,275 |
Retained earnings to average equity (ytd only) | -44.8061% | 7,269 |
Net charge-offs to loans | 4.3536% | 131 |
Credit loss provision to net charge-offs | 81.9231% | 4,080 |
Earnings coverage of net charge-offs (x) | 0.2117% | 5,436 |
Efficiency ratio | 72.3088% | 3,489 |
Assets per employee ($millions) | 10.9167% | 191 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.7896% | 456 |
Loan loss allowance to noncurrent loans | 43.4818% | 5,415 |
Noncurrent assets plus other real estate owned to assets | 11.3092% | 262 |
Noncurrent loans to loans | 8.7154% | 477 |
Net loans and leases to total assets | 76.5100% | 910 |
Net loans and leases to deposits | 80.0907% | 2,640 |
Net loans and leases to core deposits | 83.5127% | 3,126 |
Total domestic deposits to total assets | 95.5292% | 42 |
Equity capital to assets | 3.9913% | 7,325 |
Core capital (leverage) ratio | 3.3182% | 7,339 |
Tier 1 risk-based capital ratio | 4.5072% | 7,347 |
Total risk-based capital ratio | 5.7912% | 7,349 |
Memoranda: | ||
Average total assets | $1,110,985,750 | 596 |
Average earning assets | $1,024,527,250 | 577 |
Average equity | $54,357,250 | 1,252 |
Average total loans | $920,787,000 | 458 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5366% | 5,237 |
Cost of funding earning assets | 1.3456% | 1,669 |
Net interest margin | 3.1910% | 6,187 |
Noninterest income to average assets | -0.3118% | 7,384 |
Noninterest expense to average assets | 1.9636% | 6,859 |
Loan and lease loss provision to assets | 1.9523% | 325 |
Net operating income to assets | -1.2682% | 7,023 |
Return on assets (ROA) | -1.2682% | 7,033 |
Pretax return on assets | -1.2682% | 6,985 |
Return on Equity (ROE) | -24.5262% | 7,193 |
Retained earnings to average equity (ytd only) | -24.5262% | 7,183 |
Net charge-offs to loans | 1.3408% | 1,139 |
Credit loss provision to net charge-offs | 173.5239% | 1,739 |
Earnings coverage of net charge-offs (x) | 0.6080% | 4,840 |
Efficiency ratio | 74.1626% | 3,340 |
Assets per employee ($millions) | 11.3001% | 170 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
Condition Ratios (%) | ||
Loss allowance to loans | 4.6179% | 249 |
Loan loss allowance to noncurrent loans | 79.6805% | 3,540 |
Noncurrent assets plus other real estate owned to assets | 7.9857% | 584 |
Noncurrent loans to loans | 5.7955% | 1,054 |
Net loans and leases to total assets | 76.9915% | 918 |
Net loans and leases to deposits | 81.2128% | 2,576 |
Net loans and leases to core deposits | 84.9327% | 3,084 |
Total domestic deposits to total assets | 94.8022% | 56 |
Equity capital to assets | 4.7303% | 7,338 |
Core capital (leverage) ratio | 4.8053% | 7,314 |
Tier 1 risk-based capital ratio | 6.2102% | 7,354 |
Total risk-based capital ratio | 7.5062% | 7,355 |
Memoranda: | ||
Average total assets | $1,131,981,330 | 590 |
Average earning assets | $1,049,906,670 | 573 |
Average equity | $58,533,330 | 1,145 |
Average total loans | $949,913,670 | 452 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5909% | 4,992 |
Cost of funding earning assets | 1.3676% | 1,787 |
Net interest margin | 3.2233% | 6,001 |
Noninterest income to average assets | 0.1447% | 6,686 |
Noninterest expense to average assets | 1.9034% | 6,983 |
Loan and lease loss provision to assets | 0.3689% | 2,349 |
Net operating income to assets | 0.8747% | 2,684 |
Return on assets (ROA) | 0.8747% | 2,738 |
Pretax return on assets | 0.8747% | 3,597 |
Return on Equity (ROE) | 16.2371% | 652 |
Retained earnings to average equity (ytd only) | 16.2371% | 311 |
Net charge-offs to loans | 0.0731% | 4,209 |
Credit loss provision to net charge-offs | 589.8876% | 640 |
Earnings coverage of net charge-offs (x) | 19.8876% | 1,121 |
Efficiency ratio | 60.4823% | 5,905 |
Assets per employee ($millions) | 11.6148% | 168 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.9400% | 432 |
Loan loss allowance to noncurrent loans | 83.0466% | 3,418 |
Noncurrent assets plus other real estate owned to assets | 6.4306% | 870 |
Noncurrent loans to loans | 4.7443% | 1,450 |
Net loans and leases to total assets | 81.9959% | 343 |
Net loans and leases to deposits | 87.2406% | 1,561 |
Net loans and leases to core deposits | 91.3728% | 2,187 |
Total domestic deposits to total assets | 93.9882% | 76 |
Equity capital to assets | 5.5551% | 7,335 |
Core capital (leverage) ratio | 5.6241% | 7,301 |
Tier 1 risk-based capital ratio | 7.0602% | 7,360 |
Total risk-based capital ratio | 8.3486% | 7,363 |
Memoranda: | ||
Average total assets | $1,138,619,500 | 593 |
Average earning assets | $1,060,532,000 | 570 |
Average equity | $61,341,000 | 1,092 |
Average total loans | $973,366,500 | 451 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0648% | 4,265 |
Cost of funding earning assets | 1.7800% | 1,255 |
Net interest margin | 3.2847% | 6,032 |
Noninterest income to average assets | -0.8091% | 7,604 |
Noninterest expense to average assets | 2.1737% | 6,685 |
Loan and lease loss provision to assets | 2.4535% | 463 |
Net operating income to assets | -2.1985% | 7,110 |
Return on assets (ROA) | -2.1985% | 7,125 |
Pretax return on assets | -2.4326% | 7,143 |
Return on Equity (ROE) | -36.0800% | 7,297 |
Retained earnings to average equity (ytd only) | -36.0800% | 7,289 |
Net charge-offs to loans | 0.1309% | 5,594 |
Credit loss provision to net charge-offs | 2,298.9370% | 100 |
Earnings coverage of net charge-offs (x) | 0.1959% | 5,912 |
Efficiency ratio | 99.0473% | 819 |
Assets per employee ($millions) | 11.3921% | 182 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.7580% | 494 |
Loan loss allowance to noncurrent loans | 100.5869% | 2,882 |
Noncurrent assets plus other real estate owned to assets | 5.6159% | 1,094 |
Noncurrent loans to loans | 3.7361% | 1,982 |
Net loans and leases to total assets | 82.3942% | 416 |
Net loans and leases to deposits | 87.4273% | 1,874 |
Net loans and leases to core deposits | 91.5007% | 2,553 |
Total domestic deposits to total assets | 94.2431% | 77 |
Equity capital to assets | 5.2230% | 7,419 |
Core capital (leverage) ratio | 5.0695% | 7,413 |
Tier 1 risk-based capital ratio | 6.6233% | 7,452 |
Total risk-based capital ratio | 7.9093% | 7,454 |
Memoranda: | ||
Average total assets | $1,234,035,600 | 544 |
Average earning assets | $1,128,463,400 | 535 |
Average equity | $75,194,000 | 877 |
Average total loans | $1,005,988,200 | 444 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1364% | 4,142 |
Cost of funding earning assets | 1.8475% | 1,224 |
Net interest margin | 3.2889% | 6,055 |
Noninterest income to average assets | -0.4395% | 7,664 |
Noninterest expense to average assets | 2.1171% | 6,812 |
Loan and lease loss provision to assets | 2.1028% | 550 |
Net operating income to assets | -1.6650% | 7,148 |
Return on assets (ROA) | -1.6650% | 7,161 |
Pretax return on assets | -1.6650% | 7,091 |
Return on Equity (ROE) | -26.4588% | 7,336 |
Retained earnings to average equity (ytd only) | -26.4588% | 7,329 |
Net charge-offs to loans | 0.0591% | 5,922 |
Credit loss provision to net charge-offs | 4,417.6339% | 64 |
Earnings coverage of net charge-offs (x) | 9.1964% | 2,053 |
Efficiency ratio | 82.8662% | 1,964 |
Assets per employee ($millions) | 11.5962% | 182 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.7612% | 1,029 |
Loan loss allowance to noncurrent loans | 59.3493% | 4,362 |
Noncurrent assets plus other real estate owned to assets | 8.2161% | 602 |
Noncurrent loans to loans | 4.6524% | 1,528 |
Net loans and leases to total assets | 81.5816% | 552 |
Net loans and leases to deposits | 87.2047% | 2,125 |
Net loans and leases to core deposits | 91.6145% | 2,857 |
Total domestic deposits to total assets | 93.5518% | 78 |
Equity capital to assets | 6.0495% | 7,482 |
Core capital (leverage) ratio | 5.9398% | 7,441 |
Tier 1 risk-based capital ratio | 7.4844% | 7,518 |
Total risk-based capital ratio | 8.7553% | 7,518 |
Memoranda: | ||
Average total assets | $1,254,893,750 | 532 |
Average earning assets | $1,142,536,000 | 526 |
Average equity | $78,968,500 | 834 |
Average total loans | $1,011,223,250 | 443 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1534% | 4,173 |
Cost of funding earning assets | 1.8829% | 1,296 |
Net interest margin | 3.2705% | 6,107 |
Noninterest income to average assets | -0.7678% | 7,779 |
Noninterest expense to average assets | 2.0078% | 7,095 |
Loan and lease loss provision to assets | 3.1738% | 301 |
Net operating income to assets | -2.9769% | 7,508 |
Return on assets (ROA) | -2.9769% | 7,515 |
Pretax return on assets | -2.9769% | 7,463 |
Return on Equity (ROE) | -46.7487% | 7,591 |
Retained earnings to average equity (ytd only) | -46.7487% | 7,586 |
Net charge-offs to loans | 3.8903% | 343 |
Credit loss provision to net charge-offs | 102.5414% | 3,979 |
Earnings coverage of net charge-offs (x) | 0.0636% | 5,658 |
Efficiency ratio | 91.0697% | 1,261 |
Assets per employee ($millions) | 11.9550% | 164 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8707% | 6,852 |
Loan loss allowance to noncurrent loans | 22.5705% | 6,809 |
Noncurrent assets plus other real estate owned to assets | 7.7962% | 640 |
Noncurrent loans to loans | 3.8576% | 1,987 |
Net loans and leases to total assets | 78.3943% | 1,044 |
Net loans and leases to deposits | 84.0225% | 2,867 |
Net loans and leases to core deposits | 88.6274% | 3,465 |
Total domestic deposits to total assets | 93.3015% | 102 |
Equity capital to assets | 5.4845% | 7,598 |
Core capital (leverage) ratio | 5.3066% | 7,572 |
Tier 1 risk-based capital ratio | 7.0181% | 7,603 |
Total risk-based capital ratio | 7.8992% | 7,631 |
Memoranda: | ||
Average total assets | $1,278,919,330 | 520 |
Average earning assets | $1,162,381,330 | 519 |
Average equity | $81,439,670 | 803 |
Average total loans | $1,017,510,330 | 444 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1544% | 4,277 |
Cost of funding earning assets | 1.8967% | 1,464 |
Net interest margin | 3.2577% | 6,106 |
Noninterest income to average assets | -0.4198% | 7,849 |
Noninterest expense to average assets | 1.9764% | 7,202 |
Loan and lease loss provision to assets | 0.2128% | 4,382 |
Net operating income to assets | 0.5173% | 4,305 |
Return on assets (ROA) | 0.5173% | 4,448 |
Pretax return on assets | 0.3458% | 5,473 |
Return on Equity (ROE) | 7.6171% | 3,065 |
Retained earnings to average equity (ytd only) | 7.6171% | 1,875 |
Net charge-offs to loans | -0.0151% | 6,999 |
Credit loss provision to net charge-offs | -1,769.2308% | 6,492 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 77.9630% | 2,906 |
Assets per employee ($millions) | 12.2214% | 164 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8513% | 6,989 |
Loan loss allowance to noncurrent loans | 12.6275% | 7,276 |
Noncurrent assets plus other real estate owned to assets | 9.8775% | 406 |
Noncurrent loans to loans | 6.7416% | 910 |
Net loans and leases to total assets | 77.5357% | 1,235 |
Net loans and leases to deposits | 86.1963% | 2,547 |
Net loans and leases to core deposits | 90.6108% | 3,282 |
Total domestic deposits to total assets | 89.9525% | 1,010 |
Equity capital to assets | 6.7355% | 7,471 |
Core capital (leverage) ratio | 6.8643% | 7,319 |
Tier 1 risk-based capital ratio | 8.7195% | 7,532 |
Total risk-based capital ratio | 9.5813% | 7,588 |
Memoranda: | ||
Average total assets | $1,296,720,500 | 532 |
Average earning assets | $1,176,168,500 | 529 |
Average equity | $88,064,500 | 748 |
Average total loans | $1,034,640,000 | 456 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.7963% | 2,670 |
Cost of funding earning assets | 2.9288% | 280 |
Net interest margin | 2.8676% | 6,923 |
Noninterest income to average assets | -0.6866% | 7,966 |
Noninterest expense to average assets | 1.8123% | 7,592 |
Loan and lease loss provision to assets | 3.7835% | 381 |
Net operating income to assets | -2.1490% | 7,145 |
Return on assets (ROA) | -2.1489% | 7,146 |
Pretax return on assets | -3.6184% | 7,447 |
Return on Equity (ROE) | -27.2426% | 7,346 |
Retained earnings to average equity (ytd only) | -27.9878% | 7,344 |
Net charge-offs to loans | 4.8475% | 288 |
Credit loss provision to net charge-offs | 87.9844% | 6,069 |
Earnings coverage of net charge-offs (x) | 0.0384% | 6,146 |
Efficiency ratio | 91.6550% | 1,594 |
Assets per employee ($millions) | 11.5775% | 186 |
Cash dividends to net income (ytd only)* | -2.7354% | 7,452 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.7770% | 7,195 |
Loan loss allowance to noncurrent loans | 22.8986% | 6,921 |
Noncurrent assets plus other real estate owned to assets | 8.0631% | 555 |
Noncurrent loans to loans | 3.3932% | 2,253 |
Net loans and leases to total assets | 80.8017% | 866 |
Net loans and leases to deposits | 92.4567% | 1,823 |
Net loans and leases to core deposits | 127.1933% | 1,438 |
Total domestic deposits to total assets | 87.3941% | 2,270 |
Equity capital to assets | 6.8492% | 7,445 |
Core capital (leverage) ratio | 6.9837% | 7,252 |
Tier 1 risk-based capital ratio | 8.4143% | 7,598 |
Total risk-based capital ratio | 9.1916% | 7,668 |
Memoranda: | ||
Average total assets | $1,296,311,800 | 522 |
Average earning assets | $1,204,259,800 | 507 |
Average equity | $102,255,200 | 638 |
Average total loans | $1,149,960,200 | 422 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.9303% | 2,317 |
Cost of funding earning assets | 3.1954% | 190 |
Net interest margin | 2.7349% | 7,159 |
Noninterest income to average assets | -0.6533% | 8,058 |
Noninterest expense to average assets | 1.7534% | 7,708 |
Loan and lease loss provision to assets | 4.8756% | 181 |
Net operating income to assets | -2.8108% | 7,544 |
Return on assets (ROA) | -2.8108% | 7,546 |
Pretax return on assets | -4.7240% | 7,776 |
Return on Equity (ROE) | -34.5209% | 7,692 |
Retained earnings to average equity (ytd only) | -35.4792% | 7,700 |
Net charge-offs to loans | 6.0414% | 146 |
Credit loss provision to net charge-offs | 89.1861% | 5,505 |
Earnings coverage of net charge-offs (x) | 0.0277% | 6,024 |
Efficiency ratio | 92.0389% | 1,539 |
Assets per employee ($millions) | 11.3506% | 202 |
Cash dividends to net income (ytd only)* | -2.7761% | 7,659 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8489% | 6,959 |
Loan loss allowance to noncurrent loans | 68.4078% | 3,885 |
Noncurrent assets plus other real estate owned to assets | 6.1783% | 850 |
Noncurrent loans to loans | 1.2409% | 4,873 |
Net loans and leases to total assets | 82.5422% | 736 |
Net loans and leases to deposits | 95.3189% | 1,668 |
Net loans and leases to core deposits | 124.6366% | 1,850 |
Total domestic deposits to total assets | 86.5958% | 2,379 |
Equity capital to assets | 6.8935% | 7,642 |
Core capital (leverage) ratio | 6.8328% | 7,527 |
Tier 1 risk-based capital ratio | 8.1355% | 7,777 |
Total risk-based capital ratio | 8.9695% | 7,838 |
Memoranda: | ||
Average total assets | $1,302,008,000 | 533 |
Average earning assets | $1,217,961,250 | 516 |
Average equity | $106,012,500 | 624 |
Average total loans | $1,178,178,000 | 429 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.8815% | 2,669 |
Cost of funding earning assets | 3.3381% | 179 |
Net interest margin | 2.5435% | 7,422 |
Noninterest income to average assets | -0.2663% | 8,087 |
Noninterest expense to average assets | 1.7868% | 7,757 |
Loan and lease loss provision to assets | 1.4971% | 1,143 |
Net operating income to assets | -0.7028% | 6,754 |
Return on assets (ROA) | -0.7028% | 6,756 |
Pretax return on assets | -1.1437% | 6,902 |
Return on Equity (ROE) | -8.2237% | 6,908 |
Retained earnings to average equity (ytd only) | -9.5828% | 6,829 |
Net charge-offs to loans | 0.2057% | 4,236 |
Credit loss provision to net charge-offs | 783.9585% | 599 |
Earnings coverage of net charge-offs (x) | 1.8508% | 4,183 |
Efficiency ratio | 83.4864% | 2,546 |
Assets per employee ($millions) | 11.4672% | 181 |
Cash dividends to net income (ytd only)* | -16.5257% | 7,918 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9584% | 1,659 |
Loan loss allowance to noncurrent loans | 39.1876% | 5,785 |
Noncurrent assets plus other real estate owned to assets | 5.7598% | 856 |
Noncurrent loans to loans | 4.9976% | 1,232 |
Net loans and leases to total assets | 88.5494% | 212 |
Net loans and leases to deposits | 101.1447% | 1,158 |
Net loans and leases to core deposits | 133.1741% | 1,362 |
Total domestic deposits to total assets | 87.5472% | 1,995 |
Equity capital to assets | 8.3771% | 6,231 |
Core capital (leverage) ratio | 8.4968% | 5,453 |
Tier 1 risk-based capital ratio | 9.7641% | 7,174 |
Total risk-based capital ratio | 11.0111% | 7,115 |
Memoranda: | ||
Average total assets | $1,312,256,670 | 541 |
Average earning assets | $1,241,613,670 | 519 |
Average equity | $112,138,670 | 603 |
Average total loans | $1,218,133,330 | 434 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.0016% | 2,355 |
Cost of funding earning assets | 3.4362% | 172 |
Net interest margin | 2.5654% | 7,420 |
Noninterest income to average assets | -0.2897% | 8,179 |
Noninterest expense to average assets | 1.8108% | 7,688 |
Loan and lease loss provision to assets | 2.7960% | 400 |
Net operating income to assets | -1.5230% | 7,506 |
Return on assets (ROA) | -1.5230% | 7,505 |
Pretax return on assets | -2.4773% | 7,657 |
Return on Equity (ROE) | -17.6469% | 7,700 |
Retained earnings to average equity (ytd only) | -20.3449% | 7,652 |
Net charge-offs to loans | 0.1442% | 3,810 |
Credit loss provision to net charge-offs | 2,060.8108% | 307 |
Earnings coverage of net charge-offs (x) | 2.3491% | 3,555 |
Efficiency ratio | 85.0337% | 2,191 |
Assets per employee ($millions) | 11.0923% | 204 |
Cash dividends to net income (ytd only)* | -15.2889% | 8,084 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9166% | 1,585 |
Loan loss allowance to noncurrent loans | 41.2446% | 5,797 |
Noncurrent assets plus other real estate owned to assets | 5.4992% | 774 |
Noncurrent loans to loans | 4.6470% | 1,211 |
Net loans and leases to total assets | 92.5153% | 54 |
Net loans and leases to deposits | 109.2078% | 655 |
Net loans and leases to core deposits | 150.4819% | 693 |
Total domestic deposits to total assets | 84.7149% | 3,351 |
Equity capital to assets | 8.4835% | 6,097 |
Core capital (leverage) ratio | 8.4103% | 5,702 |
Tier 1 risk-based capital ratio | 9.3290% | 7,561 |
Total risk-based capital ratio | 10.5881% | 7,525 |
Memoranda: | ||
Average total assets | $1,309,018,500 | 542 |
Average earning assets | $1,234,404,000 | 526 |
Average equity | $112,972,000 | 593 |
Average total loans | $1,231,672,000 | 435 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 7.1779% | 779 |
Cost of funding earning assets | 3.8208% | 188 |
Net interest margin | 3.3571% | 5,836 |
Noninterest income to average assets | -0.0084% | 8,159 |
Noninterest expense to average assets | 1.6977% | 7,871 |
Loan and lease loss provision to assets | 0.6010% | 2,422 |
Net operating income to assets | 0.5344% | 4,601 |
Return on assets (ROA) | 0.5349% | 4,447 |
Pretax return on assets | 0.9014% | 3,714 |
Return on Equity (ROE) | 6.0298% | 3,929 |
Retained earnings to average equity (ytd only) | 2.8637% | 3,392 |
Net charge-offs to loans | 0.1794% | 4,402 |
Credit loss provision to net charge-offs | 349.2893% | 1,293 |
Earnings coverage of net charge-offs (x) | 8.7272% | 2,829 |
Efficiency ratio | 53.0650% | 7,375 |
Assets per employee ($millions) | 11.0020% | 206 |
Cash dividends to net income (ytd only)* | 52.5074% | 3,007 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1907% | 4,617 |
Loan loss allowance to noncurrent loans | 97.7477% | 3,524 |
Noncurrent assets plus other real estate owned to assets | 2.1172% | 2,320 |
Noncurrent loans to loans | 1.2182% | 4,078 |
Net loans and leases to total assets | 92.7457% | 61 |
Net loans and leases to deposits | 114.5630% | 590 |
Net loans and leases to core deposits | 161.7543% | 539 |
Total domestic deposits to total assets | 80.9561% | 4,657 |
Equity capital to assets | 8.7746% | 5,697 |
Core capital (leverage) ratio | 8.8490% | 4,972 |
Tier 1 risk-based capital ratio | 9.6663% | 7,125 |
Total risk-based capital ratio | 10.8976% | 7,038 |
Memoranda: | ||
Average total assets | $1,267,579,600 | 534 |
Average earning assets | $1,211,162,400 | 513 |
Average equity | $112,441,000 | 596 |
Average total loans | $1,215,823,400 | 420 |