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American Savings Bank, FSB, Performance and Condition Ratios

2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7153%1,097
Cost of funding earning assets0.6447%1,276
Net interest margin4.0706%1,477
Noninterest income to average assets1.6538%409
Noninterest expense to average assets3.9826%528
Loan and lease loss provision to assets0.0421%3,265
Net operating income to assets1.0113%2,509
Return on assets (ROA)1.0130%2,542
Pretax return on assets1.4319%2,003
Return on Equity (ROE)9.3957%2,404
Retained earnings to average equity (ytd only)2.3620%4,469
Net charge-offs to loans0.0637%2,204
Credit loss provision to net charge-offs78.9474%2,601
Earnings coverage of net charge-offs (x)27.5783%1,628
Efficiency ratio73.0003%2,043
Assets per employee ($millions)2.9281%5,312
Cash dividends to net income (ytd only)*74.8615%798
Condition Ratios (%)
Loss allowance to loans0.5806%5,362
Loan loss allowance to noncurrent loans123.0835%3,175
Noncurrent assets plus other real estate owned to assets0.4727%3,155
Noncurrent loans to loans0.4717%3,273
Net loans and leases to total assets84.5086%386
Net loans and leases to deposits120.1701%100
Net loans and leases to core deposits136.7216%250
Total domestic deposits to total assets70.3241%5,467
Equity capital to assets10.6039%3,257
Core capital (leverage) ratio9.8388%3,770
Tier 1 risk-based capital ratio13.2021%3,876
Total risk-based capital ratio13.8778%4,144
Memoranda:
Average total assets$284,833,0002,274
Average earning assets$265,936,0002,252
Average equity$30,708,2502,327
Average total loans$238,469,0001,898
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6720%1,115
Cost of funding earning assets0.6150%1,357
Net interest margin4.0570%1,441
Noninterest income to average assets1.6763%407
Noninterest expense to average assets4.0174%515
Loan and lease loss provision to assets0.0425%3,144
Net operating income to assets1.0053%2,402
Return on assets (ROA)1.0079%2,426
Pretax return on assets1.4069%1,994
Return on Equity (ROE)9.2957%2,367
Retained earnings to average equity (ytd only)2.2357%4,335
Net charge-offs to loans0.0587%2,093
Credit loss provision to net charge-offs86.9565%2,181
Earnings coverage of net charge-offs (x)29.5652%1,475
Efficiency ratio73.5210%2,092
Assets per employee ($millions)2.9703%5,301
Cash dividends to net income (ytd only)*75.9494%956
Condition Ratios (%)
Loss allowance to loans0.6040%5,374
Loan loss allowance to noncurrent loans120.9611%3,208
Noncurrent assets plus other real estate owned to assets0.4662%3,246
Noncurrent loans to loans0.4994%3,256
Net loans and leases to total assets81.6977%708
Net loans and leases to deposits114.0339%194
Net loans and leases to core deposits131.0378%292
Total domestic deposits to total assets71.6434%5,476
Equity capital to assets10.4940%3,353
Core capital (leverage) ratio10.0484%3,481
Tier 1 risk-based capital ratio13.5813%3,654
Total risk-based capital ratio14.2888%3,891
Memoranda:
Average total assets$282,175,0002,297
Average earning assets$263,397,0002,278
Average equity$30,594,6702,330
Average total loans$234,994,6701,917
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6506%1,027
Cost of funding earning assets0.5794%1,515
Net interest margin4.0712%1,297
Noninterest income to average assets1.4756%495
Noninterest expense to average assets4.0473%512
Loan and lease loss provision to assets0.0434%2,930
Net operating income to assets0.8920%2,802
Return on assets (ROA)0.8920%2,848
Pretax return on assets1.1802%2,679
Return on Equity (ROE)8.0886%2,879
Retained earnings to average equity (ytd only)0.9979%4,662
Net charge-offs to loans0.0207%2,364
Credit loss provision to net charge-offs250.0000%880
Earnings coverage of net charge-offs (x)70.4167%719
Efficiency ratio76.7582%1,791
Assets per employee ($millions)2.8025%5,483
Cash dividends to net income (ytd only)*87.6623%854
Condition Ratios (%)
Loss allowance to loans0.6326%5,427
Loan loss allowance to noncurrent loans159.2077%2,701
Noncurrent assets plus other real estate owned to assets0.3657%3,737
Noncurrent loans to loans0.3973%3,670
Net loans and leases to total assets83.3444%430
Net loans and leases to deposits118.7745%99
Net loans and leases to core deposits126.1516%321
Total domestic deposits to total assets70.1703%5,625
Equity capital to assets10.8933%2,748
Core capital (leverage) ratio10.1260%3,344
Tier 1 risk-based capital ratio13.9049%3,535
Total risk-based capital ratio14.6497%3,755
Memoranda:
Average total assets$276,231,5002,357
Average earning assets$257,516,0002,330
Average equity$30,462,5002,343
Average total loans$231,641,0001,945
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6677%1,123
Cost of funding earning assets0.6156%1,233
Net interest margin4.0521%1,487
Noninterest income to average assets1.6463%441
Noninterest expense to average assets4.0879%537
Loan and lease loss provision to assets0.0413%3,556
Net operating income to assets0.8821%2,919
Return on assets (ROA)0.8821%3,035
Pretax return on assets1.2826%2,342
Return on Equity (ROE)8.0239%2,918
Retained earnings to average equity (ytd only)8.0239%850
Net charge-offs to loans0.0820%2,516
Credit loss provision to net charge-offs61.1111%3,225
Earnings coverage of net charge-offs (x)19.5944%1,904
Efficiency ratio75.5237%2,063
Assets per employee ($millions)2.7221%5,549
Cash dividends to net income (ytd only)*0.0000%4,198
Condition Ratios (%)
Loss allowance to loans0.6437%5,460
Loan loss allowance to noncurrent loans154.4690%2,759
Noncurrent assets plus other real estate owned to assets0.4254%3,570
Noncurrent loans to loans0.4167%3,649
Net loans and leases to total assets83.3000%450
Net loans and leases to deposits115.5438%137
Net loans and leases to core deposits121.9939%429
Total domestic deposits to total assets72.0939%5,553
Equity capital to assets11.1664%2,458
Core capital (leverage) ratio10.2293%3,193
Tier 1 risk-based capital ratio14.2103%3,341
Total risk-based capital ratio14.9643%3,544
Memoranda:
Average total assets$266,417,4002,386
Average earning assets$247,576,2002,379
Average equity$29,287,4002,424
Average total loans$219,472,8001,976
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6645%1,151
Cost of funding earning assets0.6242%1,175
Net interest margin4.0403%1,553
Noninterest income to average assets1.5946%482
Noninterest expense to average assets4.0155%576
Loan and lease loss provision to assets0.0403%3,436
Net operating income to assets0.8841%2,988
Return on assets (ROA)0.8841%3,116
Pretax return on assets1.2912%2,468
Return on Equity (ROE)8.0751%2,966
Retained earnings to average equity (ytd only)8.0751%1,145
Net charge-offs to loans0.0847%2,115
Credit loss provision to net charge-offs57.9710%2,934
Earnings coverage of net charge-offs (x)19.1734%1,954
Efficiency ratio75.0800%2,096
Assets per employee ($millions)2.7294%5,593
Cash dividends to net income (ytd only)*0.0000%3,760
Condition Ratios (%)
Loss allowance to loans0.6581%5,514
Loan loss allowance to noncurrent loans243.5855%1,933
Noncurrent assets plus other real estate owned to assets0.2788%4,312
Noncurrent loans to loans0.2702%4,295
Net loans and leases to total assets81.9140%634
Net loans and leases to deposits112.9017%204
Net loans and leases to core deposits118.6286%553
Total domestic deposits to total assets72.5534%5,558
Equity capital to assets11.0060%3,006
Core capital (leverage) ratio10.2311%3,299
Tier 1 risk-based capital ratio14.1943%3,460
Total risk-based capital ratio14.9702%3,643
Memoranda:
Average total assets$264,969,5002,403
Average earning assets$246,079,7502,400
Average equity$29,010,2502,454
Average total loans$217,286,2501,996
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6627%1,139
Cost of funding earning assets0.6324%1,129
Net interest margin4.0303%1,555
Noninterest income to average assets1.3922%596
Noninterest expense to average assets3.9914%597
Loan and lease loss provision to assets0.0457%3,236
Net operating income to assets0.7556%3,524
Return on assets (ROA)0.7556%3,675
Pretax return on assets1.0964%3,210
Return on Equity (ROE)6.9139%3,599
Retained earnings to average equity (ytd only)6.9139%1,651
Net charge-offs to loans0.1267%1,578
Credit loss provision to net charge-offs44.1176%2,730
Earnings coverage of net charge-offs (x)11.0147%2,291
Efficiency ratio77.7365%1,831
Assets per employee ($millions)2.8684%5,554
Cash dividends to net income (ytd only)*0.0000%3,619
Condition Ratios (%)
Loss allowance to loans0.6584%5,592
Loan loss allowance to noncurrent loans106.1684%3,586
Noncurrent assets plus other real estate owned to assets0.6416%3,074
Noncurrent loans to loans0.6202%3,209
Net loans and leases to total assets81.8617%645
Net loans and leases to deposits108.7727%285
Net loans and leases to core deposits113.9371%729
Total domestic deposits to total assets75.2594%5,383
Equity capital to assets10.8477%3,238
Core capital (leverage) ratio10.1198%3,427
Tier 1 risk-based capital ratio13.9423%3,637
Total risk-based capital ratio14.7171%3,837
Memoranda:
Average total assets$262,312,3302,439
Average earning assets$243,506,6702,434
Average equity$28,667,0002,482
Average total loans$214,695,6702,018
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6509%1,149
Cost of funding earning assets0.6497%1,056
Net interest margin4.0012%1,610
Noninterest income to average assets1.1800%788
Noninterest expense to average assets3.8739%708
Loan and lease loss provision to assets0.0464%2,989
Net operating income to assets0.6866%3,781
Return on assets (ROA)0.6866%3,898
Pretax return on assets0.9743%3,570
Return on Equity (ROE)6.2588%3,855
Retained earnings to average equity (ytd only)6.2588%2,256
Net charge-offs to loans-0.1176%5,700
Credit loss provision to net charge-offs-48.3871%4,148
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio79.1469%1,721
Assets per employee ($millions)3.0298%5,483
Cash dividends to net income (ytd only)*0.0000%2,863
Condition Ratios (%)
Loss allowance to loans0.7671%5,449
Loan loss allowance to noncurrent loans125.3651%3,139
Noncurrent assets plus other real estate owned to assets0.6440%3,126
Noncurrent loans to loans0.6119%3,341
Net loans and leases to total assets80.9764%686
Net loans and leases to deposits106.1964%336
Net loans and leases to core deposits111.1731%798
Total domestic deposits to total assets76.2515%5,383
Equity capital to assets10.9817%2,964
Core capital (leverage) ratio10.1142%3,408
Tier 1 risk-based capital ratio14.2517%3,536
Total risk-based capital ratio15.1533%3,684
Memoranda:
Average total assets$258,651,5002,473
Average earning assets$240,126,5002,464
Average equity$28,376,0002,498
Average total loans$210,948,5002,045
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5051%1,576
Cost of funding earning assets0.7563%622
Net interest margin3.7488%2,561
Noninterest income to average assets1.2452%774
Noninterest expense to average assets3.5913%1,143
Loan and lease loss provision to assets0.0476%3,377
Net operating income to assets0.7854%3,398
Return on assets (ROA)0.7854%3,474
Pretax return on assets1.0720%3,181
Return on Equity (ROE)7.2855%3,369
Retained earnings to average equity (ytd only)7.2855%1,169
Net charge-offs to loans0.1788%1,602
Credit loss provision to net charge-offs33.5196%3,609
Earnings coverage of net charge-offs (x)7.8771%3,027
Efficiency ratio76.2158%2,239
Assets per employee ($millions)3.1310%5,376
Cash dividends to net income (ytd only)*0.0000%4,258
Condition Ratios (%)
Loss allowance to loans0.7349%5,571
Loan loss allowance to noncurrent loans82.9111%4,062
Noncurrent assets plus other real estate owned to assets0.8904%2,446
Noncurrent loans to loans0.8864%2,582
Net loans and leases to total assets80.9120%726
Net loans and leases to deposits104.3008%424
Net loans and leases to core deposits109.0896%915
Total domestic deposits to total assets77.5756%5,233
Equity capital to assets10.9596%2,861
Core capital (leverage) ratio10.0508%3,439
Tier 1 risk-based capital ratio14.1183%3,654
Total risk-based capital ratio14.9753%3,805
Memoranda:
Average total assets$251,856,6002,488
Average earning assets$232,846,2002,483
Average equity$27,150,0002,532
Average total loans$200,265,4002,066
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4173%1,868
Cost of funding earning assets0.7719%590
Net interest margin3.6454%2,977
Noninterest income to average assets1.2980%716
Noninterest expense to average assets3.5019%1,284
Loan and lease loss provision to assets0.0479%3,245
Net operating income to assets0.8198%3,339
Return on assets (ROA)0.8198%3,424
Pretax return on assets1.1145%3,159
Return on Equity (ROE)7.6371%3,262
Retained earnings to average equity (ytd only)7.6371%1,400
Net charge-offs to loans0.2141%1,217
Credit loss provision to net charge-offs28.3019%3,292
Earnings coverage of net charge-offs (x)6.8711%2,985
Efficiency ratio75.0570%2,395
Assets per employee ($millions)3.0470%5,493
Cash dividends to net income (ytd only)*0.0000%3,801
Condition Ratios (%)
Loss allowance to loans0.7708%5,585
Loan loss allowance to noncurrent loans97.4827%3,729
Noncurrent assets plus other real estate owned to assets0.7928%2,906
Noncurrent loans to loans0.7907%2,987
Net loans and leases to total assets78.8484%982
Net loans and leases to deposits102.2757%530
Net loans and leases to core deposits107.1073%1,032
Total domestic deposits to total assets77.0939%5,327
Equity capital to assets10.9226%3,104
Core capital (leverage) ratio9.9597%3,693
Tier 1 risk-based capital ratio14.2601%3,695
Total risk-based capital ratio15.1472%3,847
Memoranda:
Average total assets$250,635,0002,523
Average earning assets$231,446,0002,516
Average equity$26,903,0002,569
Average total loans$198,013,2502,088
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3911%1,881
Cost of funding earning assets0.7848%542
Net interest margin3.6063%3,066
Noninterest income to average assets1.2566%770
Noninterest expense to average assets3.3984%1,475
Loan and lease loss provision to assets0.0480%3,161
Net operating income to assets0.8524%3,119
Return on assets (ROA)0.8524%3,220
Pretax return on assets1.1461%2,985
Return on Equity (ROE)7.9886%3,059
Retained earnings to average equity (ytd only)7.9886%1,273
Net charge-offs to loans0.1350%1,689
Credit loss provision to net charge-offs45.1128%2,758
Earnings coverage of net charge-offs (x)11.2180%2,313
Efficiency ratio73.9805%2,680
Assets per employee ($millions)2.9881%5,608
Cash dividends to net income (ytd only)*0.0000%3,641
Condition Ratios (%)
Loss allowance to loans0.8550%5,450
Loan loss allowance to noncurrent loans79.6262%4,222
Noncurrent assets plus other real estate owned to assets0.9175%2,692
Noncurrent loans to loans1.0737%2,496
Net loans and leases to total assets78.7260%974
Net loans and leases to deposits101.1088%588
Net loans and leases to core deposits105.6696%1,090
Total domestic deposits to total assets77.8627%5,303
Equity capital to assets10.8177%3,090
Core capital (leverage) ratio9.8492%3,809
Tier 1 risk-based capital ratio14.3278%3,742
Total risk-based capital ratio15.3274%3,814
Memoranda:
Average total assets$249,880,6702,552
Average earning assets$231,150,6702,530
Average equity$26,663,0002,596
Average total loans$197,032,6702,105
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3582%1,913
Cost of funding earning assets0.7979%509
Net interest margin3.5603%3,177
Noninterest income to average assets0.8952%1,400
Noninterest expense to average assets3.1862%2,023
Loan and lease loss provision to assets0.0481%2,971
Net operating income to assets0.7091%3,752
Return on assets (ROA)0.7091%3,880
Pretax return on assets0.9610%3,644
Return on Equity (ROE)6.6923%3,658
Retained earnings to average equity (ytd only)6.6923%2,152
Net charge-offs to loans0.1246%1,515
Credit loss provision to net charge-offs49.1803%2,112
Earnings coverage of net charge-offs (x)10.3115%1,945
Efficiency ratio75.9082%2,530
Assets per employee ($millions)3.4420%5,009
Cash dividends to net income (ytd only)*0.0000%2,870
Condition Ratios (%)
Loss allowance to loans0.8832%5,487
Loan loss allowance to noncurrent loans85.1292%4,044
Noncurrent assets plus other real estate owned to assets0.8549%2,940
Noncurrent loans to loans1.0375%2,691
Net loans and leases to total assets77.9785%935
Net loans and leases to deposits98.8762%630
Net loans and leases to core deposits104.6354%1,024
Total domestic deposits to total assets78.8648%5,289
Equity capital to assets10.6074%3,416
Core capital (leverage) ratio9.6871%4,030
Tier 1 risk-based capital ratio14.1524%3,914
Total risk-based capital ratio15.1905%3,984
Memoranda:
Average total assets$249,322,5002,566
Average earning assets$231,102,0002,544
Average equity$26,418,5002,632
Average total loans$195,897,0002,118
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4620%2,026
Cost of funding earning assets0.9111%366
Net interest margin3.5509%3,598
Noninterest income to average assets0.8342%1,732
Noninterest expense to average assets3.3870%1,725
Loan and lease loss provision to assets0.0477%3,617
Net operating income to assets0.5143%4,757
Return on assets (ROA)0.5143%4,838
Pretax return on assets0.6725%4,715
Return on Equity (ROE)5.1130%4,604
Retained earnings to average equity (ytd only)5.1130%2,515
Net charge-offs to loans0.1292%2,727
Credit loss provision to net charge-offs48.1928%3,521
Earnings coverage of net charge-offs (x)7.2771%3,056
Efficiency ratio82.4366%1,611
Assets per employee ($millions)3.4358%5,001
Cash dividends to net income (ytd only)*0.0000%4,317
Condition Ratios (%)
Loss allowance to loans0.9154%5,421
Loan loss allowance to noncurrent loans87.3648%4,033
Noncurrent assets plus other real estate owned to assets0.8962%2,969
Noncurrent loans to loans1.0478%2,729
Net loans and leases to total assets77.7502%1,029
Net loans and leases to deposits95.8149%911
Net loans and leases to core deposits101.1475%1,308
Total domestic deposits to total assets81.1462%4,696
Equity capital to assets10.5847%3,381
Core capital (leverage) ratio9.5244%4,208
Tier 1 risk-based capital ratio14.2233%3,948
Total risk-based capital ratio15.3077%3,976
Memoranda:
Average total assets$251,609,4002,509
Average earning assets$231,913,8002,501
Average equity$25,307,8002,631
Average total loans$192,773,2002,090
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4297%2,123
Cost of funding earning assets0.9196%369
Net interest margin3.5100%3,790
Noninterest income to average assets0.8221%1,807
Noninterest expense to average assets3.3408%1,811
Loan and lease loss provision to assets0.0475%3,428
Net operating income to assets0.5087%4,845
Return on assets (ROA)0.5087%4,909
Pretax return on assets0.6644%4,821
Return on Equity (ROE)5.1230%4,664
Retained earnings to average equity (ytd only)5.1230%3,002
Net charge-offs to loans0.1490%2,298
Credit loss provision to net charge-offs41.8605%3,262
Earnings coverage of net charge-offs (x)6.2744%3,111
Efficiency ratio82.3958%1,564
Assets per employee ($millions)3.6372%4,601
Cash dividends to net income (ytd only)*0.0000%3,806
Condition Ratios (%)
Loss allowance to loans0.9162%5,555
Loan loss allowance to noncurrent loans52.8330%5,042
Noncurrent assets plus other real estate owned to assets1.3890%2,225
Noncurrent loans to loans1.7341%1,872
Net loans and leases to total assets76.7498%1,135
Net loans and leases to deposits94.3891%1,003
Net loans and leases to core deposits99.8134%1,383
Total domestic deposits to total assets81.3122%4,730
Equity capital to assets10.2803%3,812
Core capital (leverage) ratio9.2535%4,700
Tier 1 risk-based capital ratio14.0754%4,159
Total risk-based capital ratio15.1664%4,219
Memoranda:
Average total assets$252,667,5002,515
Average earning assets$232,546,2502,510
Average equity$25,088,7502,665
Average total loans$192,438,2502,106
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3757%2,270
Cost of funding earning assets0.9295%361
Net interest margin3.4462%3,996
Noninterest income to average assets0.8072%1,810
Noninterest expense to average assets3.3676%1,758
Loan and lease loss provision to assets0.0474%3,360
Net operating income to assets0.4383%5,062
Return on assets (ROA)0.4383%5,142
Pretax return on assets0.5576%5,104
Return on Equity (ROE)4.4665%4,933
Retained earnings to average equity (ytd only)4.4665%3,328
Net charge-offs to loans0.0240%3,720
Credit loss provision to net charge-offs260.8696%960
Earnings coverage of net charge-offs (x)33.3043%1,184
Efficiency ratio84.7316%1,421
Assets per employee ($millions)3.6099%4,634
Cash dividends to net income (ytd only)*0.0000%3,638
Condition Ratios (%)
Loss allowance to loans1.0253%5,240
Loan loss allowance to noncurrent loans52.5419%5,079
Noncurrent assets plus other real estate owned to assets1.5643%2,085
Noncurrent loans to loans1.9515%1,734
Net loans and leases to total assets74.2224%1,411
Net loans and leases to deposits90.7335%1,295
Net loans and leases to core deposits95.9636%1,602
Total domestic deposits to total assets81.8026%4,715
Equity capital to assets10.0223%4,074
Core capital (leverage) ratio9.0283%4,977
Tier 1 risk-based capital ratio13.7477%4,415
Total risk-based capital ratio14.9315%4,415
Memoranda:
Average total assets$253,234,6702,517
Average earning assets$232,602,3302,521
Average equity$24,851,6702,674
Average total loans$191,785,3302,114
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3419%2,357
Cost of funding earning assets0.9310%383
Net interest margin3.4109%4,073
Noninterest income to average assets0.4387%3,879
Noninterest expense to average assets3.2536%2,061
Loan and lease loss provision to assets0.0473%3,148
Net operating income to assets0.2588%5,634
Return on assets (ROA)0.2588%5,675
Pretax return on assets0.2824%5,762
Return on Equity (ROE)2.6651%5,572
Retained earnings to average equity (ytd only)2.6651%4,477
Net charge-offs to loans-0.0062%4,875
Credit loss provision to net charge-offs-1,000.0000%5,328
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio90.7530%968
Assets per employee ($millions)3.9431%4,062
Cash dividends to net income (ytd only)*0.0000%2,852
Condition Ratios (%)
Loss allowance to loans1.0136%5,464
Loan loss allowance to noncurrent loans47.8293%5,276
Noncurrent assets plus other real estate owned to assets1.7947%1,957
Noncurrent loans to loans2.1191%1,734
Net loans and leases to total assets75.0384%1,121
Net loans and leases to deposits89.9012%1,165
Net loans and leases to core deposits94.9941%1,468
Total domestic deposits to total assets83.4677%4,457
Equity capital to assets9.8173%4,078
Core capital (leverage) ratio8.8778%5,165
Tier 1 risk-based capital ratio13.5721%4,627
Total risk-based capital ratio14.7590%4,612
Memoranda:
Average total assets$253,504,0002,522
Average earning assets$233,722,0002,507
Average equity$24,614,5002,679
Average total loans$192,928,0002,114
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3993%2,592
Cost of funding earning assets0.9628%545
Net interest margin3.4365%4,141
Noninterest income to average assets0.4935%3,801
Noninterest expense to average assets2.7387%3,952
Loan and lease loss provision to assets0.0342%4,432
Net operating income to assets0.6948%3,815
Return on assets (ROA)0.6948%3,911
Pretax return on assets0.8835%3,831
Return on Equity (ROE)8.0349%3,024
Retained earnings to average equity (ytd only)8.0349%1,046
Net charge-offs to loans0.1945%2,912
Credit loss provision to net charge-offs23.7467%4,374
Earnings coverage of net charge-offs (x)6.3641%3,080
Efficiency ratio74.5994%3,030
Assets per employee ($millions)4.4675%2,958
Cash dividends to net income (ytd only)*0.0000%4,285
Condition Ratios (%)
Loss allowance to loans0.9797%5,660
Loan loss allowance to noncurrent loans39.8578%5,635
Noncurrent assets plus other real estate owned to assets2.0601%1,736
Noncurrent loans to loans2.4580%1,549
Net loans and leases to total assets75.6511%1,125
Net loans and leases to deposits90.6117%1,186
Net loans and leases to core deposits96.1345%1,449
Total domestic deposits to total assets83.4894%4,367
Equity capital to assets9.6031%4,285
Core capital (leverage) ratio8.7267%5,383
Tier 1 risk-based capital ratio13.3654%4,738
Total risk-based capital ratio14.5228%4,746
Memoranda:
Average total assets$262,824,0002,406
Average earning assets$241,904,2002,409
Average equity$22,725,8002,856
Average total loans$194,897,2002,051
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3982%2,603
Cost of funding earning assets0.9681%579
Net interest margin3.4301%4,165
Noninterest income to average assets0.4395%4,224
Noninterest expense to average assets2.7097%3,984
Loan and lease loss provision to assets0.0201%4,596
Net operating income to assets0.6942%3,888
Return on assets (ROA)0.6942%4,026
Pretax return on assets0.8628%4,034
Return on Equity (ROE)8.2472%3,001
Retained earnings to average equity (ytd only)8.2472%1,317
Net charge-offs to loans0.1238%3,303
Credit loss provision to net charge-offs22.0994%4,036
Earnings coverage of net charge-offs (x)9.6905%2,448
Efficiency ratio75.0315%2,898
Assets per employee ($millions)4.5275%2,840
Cash dividends to net income (ytd only)*0.0000%3,738
Condition Ratios (%)
Loss allowance to loans1.0620%5,476
Loan loss allowance to noncurrent loans47.2727%5,339
Noncurrent assets plus other real estate owned to assets1.8487%2,200
Noncurrent loans to loans2.2465%1,960
Net loans and leases to total assets74.1500%1,277
Net loans and leases to deposits87.6539%1,407
Net loans and leases to core deposits93.3053%1,641
Total domestic deposits to total assets84.5941%3,931
Equity capital to assets9.2630%4,847
Core capital (leverage) ratio8.4313%5,827
Tier 1 risk-based capital ratio13.0306%5,101
Total risk-based capital ratio14.2720%5,061
Memoranda:
Average total assets$264,868,0002,410
Average earning assets$243,486,2502,406
Average equity$22,293,7502,929
Average total loans$194,984,0002,049
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4100%2,524
Cost of funding earning assets0.9698%645
Net interest margin3.4402%4,039
Noninterest income to average assets0.4567%4,117
Noninterest expense to average assets2.7267%3,936
Loan and lease loss provision to assets0.0225%4,458
Net operating income to assets0.7210%3,715
Return on assets (ROA)0.7210%3,885
Pretax return on assets0.8655%4,041
Return on Equity (ROE)8.8525%2,677
Retained earnings to average equity (ytd only)8.8525%1,175
Net charge-offs to loans0.0726%3,672
Credit loss provision to net charge-offs42.2535%3,376
Earnings coverage of net charge-offs (x)16.7042%1,647
Efficiency ratio75.0414%2,940
Assets per employee ($millions)4.1444%3,480
Cash dividends to net income (ytd only)*0.0000%3,522
Condition Ratios (%)
Loss allowance to loans1.1097%5,401
Loan loss allowance to noncurrent loans57.5936%4,905
Noncurrent assets plus other real estate owned to assets1.6591%2,619
Noncurrent loans to loans1.9267%2,478
Net loans and leases to total assets73.5189%1,321
Net loans and leases to deposits86.8089%1,480
Net loans and leases to core deposits92.6116%1,645
Total domestic deposits to total assets84.6905%4,046
Equity capital to assets9.1188%5,077
Core capital (leverage) ratio8.1787%6,027
Tier 1 risk-based capital ratio12.4691%5,529
Total risk-based capital ratio13.7192%5,467
Memoranda:
Average total assets$267,134,0002,397
Average earning assets$245,216,0002,399
Average equity$21,756,6703,013
Average total loans$195,507,6702,048
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4649%2,297
Cost of funding earning assets0.9425%810
Net interest margin3.5225%3,609
Noninterest income to average assets0.3864%4,569
Noninterest expense to average assets2.6370%4,289
Loan and lease loss provision to assets0.0444%3,862
Net operating income to assets0.7996%3,171
Return on assets (ROA)0.7996%3,302
Pretax return on assets0.9313%3,646
Return on Equity (ROE)10.4194%1,909
Retained earnings to average equity (ytd only)10.4194%1,004
Net charge-offs to loans-0.0020%5,160
Credit loss provision to net charge-offs-3,000.0000%5,815
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio72.5820%3,506
Assets per employee ($millions)4.3850%3,178
Cash dividends to net income (ytd only)*0.0000%2,673
Condition Ratios (%)
Loss allowance to loans1.1350%5,463
Loan loss allowance to noncurrent loans59.2494%4,755
Noncurrent assets plus other real estate owned to assets1.5201%2,975
Noncurrent loans to loans1.9156%2,715
Net loans and leases to total assets72.4915%1,284
Net loans and leases to deposits84.9491%1,477
Net loans and leases to core deposits91.9329%1,509
Total domestic deposits to total assets85.3353%3,874
Equity capital to assets8.3900%6,114
Core capital (leverage) ratio7.2162%6,576
Tier 1 risk-based capital ratio11.2246%6,300
Total risk-based capital ratio12.4756%6,279
Memoranda:
Average total assets$270,151,5002,391
Average earning assets$247,440,0002,399
Average equity$20,730,5003,173
Average total loans$196,206,0002,056
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6221%2,911
Cost of funding earning assets1.0007%1,355
Net interest margin3.6214%3,996
Noninterest income to average assets0.4995%3,903
Noninterest expense to average assets2.6018%4,739
Loan and lease loss provision to assets0.3636%1,815
Net operating income to assets0.6555%3,961
Return on assets (ROA)0.6652%4,176
Pretax return on assets0.9392%3,780
Return on Equity (ROE)8.1650%3,016
Retained earnings to average equity (ytd only)0.5579%5,573
Net charge-offs to loans0.3080%3,104
Credit loss provision to net charge-offs163.8734%1,638
Earnings coverage of net charge-offs (x)5.8101%2,946
Efficiency ratio66.5180%4,407
Assets per employee ($millions)4.4724%3,012
Cash dividends to net income (ytd only)*93.1677%624
Condition Ratios (%)
Loss allowance to loans1.1183%5,478
Loan loss allowance to noncurrent loans45.5962%5,346
Noncurrent assets plus other real estate owned to assets1.9035%2,563
Noncurrent loans to loans2.4526%2,165
Net loans and leases to total assets71.1416%1,629
Net loans and leases to deposits83.3374%1,836
Net loans and leases to core deposits90.2546%1,804
Total domestic deposits to total assets85.3657%3,681
Equity capital to assets6.9713%6,778
Core capital (leverage) ratio5.7595%6,873
Tier 1 risk-based capital ratio9.1414%6,839
Total risk-based capital ratio10.3472%6,840
Memoranda:
Average total assets$242,026,6002,614
Average earning assets$226,651,2002,543
Average equity$19,718,4003,230
Average total loans$174,366,0002,265
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6442%3,040
Cost of funding earning assets1.0248%1,422
Net interest margin3.6194%4,153
Noninterest income to average assets0.5132%3,838
Noninterest expense to average assets2.5320%4,983
Loan and lease loss provision to assets0.3073%2,150
Net operating income to assets0.7974%3,468
Return on assets (ROA)0.8102%3,639
Pretax return on assets1.1078%3,323
Return on Equity (ROE)9.5440%2,569
Retained earnings to average equity (ytd only)9.5440%1,046
Net charge-offs to loans0.1121%4,268
Credit loss provision to net charge-offs380.2817%711
Earnings coverage of net charge-offs (x)17.2956%1,631
Efficiency ratio64.0747%4,796
Assets per employee ($millions)4.7308%2,561
Cash dividends to net income (ytd only)*0.0000%3,713
Condition Ratios (%)
Loss allowance to loans1.3163%4,741
Loan loss allowance to noncurrent loans45.6946%5,359
Noncurrent assets plus other real estate owned to assets2.2394%2,381
Noncurrent loans to loans2.8807%1,947
Net loans and leases to total assets69.9149%1,916
Net loans and leases to deposits81.8214%2,149
Net loans and leases to core deposits89.1357%2,092
Total domestic deposits to total assets85.4482%3,544
Equity capital to assets8.4748%6,287
Core capital (leverage) ratio8.3515%5,943
Tier 1 risk-based capital ratio13.7927%4,689
Total risk-based capital ratio15.0527%4,644
Memoranda:
Average total assets$234,328,7502,707
Average earning assets$221,173,2502,625
Average equity$19,893,2503,255
Average total loans$168,887,0002,354
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6418%3,173
Cost of funding earning assets1.0667%1,371
Net interest margin3.5750%4,364
Noninterest income to average assets0.4586%4,222
Noninterest expense to average assets2.3981%5,470
Loan and lease loss provision to assets0.3879%1,690
Net operating income to assets0.7707%3,508
Return on assets (ROA)0.7905%3,680
Pretax return on assets1.0706%3,414
Return on Equity (ROE)9.3055%2,667
Retained earnings to average equity (ytd only)9.3055%1,172
Net charge-offs to loans0.1379%3,815
Credit loss provision to net charge-offs387.9310%766
Earnings coverage of net charge-offs (x)14.3190%1,719
Efficiency ratio62.2327%5,209
Assets per employee ($millions)4.6588%2,625
Cash dividends to net income (ytd only)*0.0000%3,523
Condition Ratios (%)
Loss allowance to loans1.2929%4,918
Loan loss allowance to noncurrent loans42.6453%5,522
Noncurrent assets plus other real estate owned to assets2.3994%2,331
Noncurrent loans to loans3.0316%1,944
Net loans and leases to total assets70.2425%1,878
Net loans and leases to deposits82.4565%2,052
Net loans and leases to core deposits89.7334%2,011
Total domestic deposits to total assets85.1874%3,773
Equity capital to assets8.3535%6,335
Core capital (leverage) ratio8.1966%6,058
Tier 1 risk-based capital ratio13.3889%4,910
Total risk-based capital ratio14.6421%4,868
Memoranda:
Average total assets$232,015,3302,730
Average earning assets$218,796,0002,659
Average equity$19,708,6703,261
Average total loans$168,205,0002,371
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7393%2,894
Cost of funding earning assets1.0231%1,853
Net interest margin3.7162%3,757
Noninterest income to average assets0.4973%3,927
Noninterest expense to average assets2.5425%5,014
Loan and lease loss provision to assets0.3490%1,789
Net operating income to assets0.8430%3,189
Return on assets (ROA)0.8655%3,308
Pretax return on assets1.1343%3,184
Return on Equity (ROE)10.1023%2,366
Retained earnings to average equity (ytd only)10.1023%1,243
Net charge-offs to loans-0.0072%5,863
Credit loss provision to net charge-offs-6,666.6667%6,217
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio63.2751%5,054
Assets per employee ($millions)4.6413%2,747
Cash dividends to net income (ytd only)*0.0000%2,732
Condition Ratios (%)
Loss allowance to loans1.2329%5,351
Loan loss allowance to noncurrent loans38.7809%5,687
Noncurrent assets plus other real estate owned to assets2.5070%2,362
Noncurrent loans to loans3.1791%2,024
Net loans and leases to total assets70.9389%1,585
Net loans and leases to deposits83.2916%1,754
Net loans and leases to core deposits90.3079%1,820
Total domestic deposits to total assets85.1693%3,955
Equity capital to assets8.5566%6,035
Core capital (leverage) ratio8.3630%5,790
Tier 1 risk-based capital ratio13.4926%4,830
Total risk-based capital ratio14.7455%4,818
Memoranda:
Average total assets$229,222,5002,775
Average earning assets$215,812,0002,695
Average equity$19,639,0003,270
Average total loans$167,766,0002,389
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1172%2,385
Cost of funding earning assets1.1825%2,146
Net interest margin3.9347%3,185
Noninterest income to average assets0.4485%4,225
Noninterest expense to average assets2.5738%5,189
Loan and lease loss provision to assets0.4529%2,336
Net operating income to assets0.8194%2,957
Return on assets (ROA)0.8362%3,048
Pretax return on assets1.1206%2,760
Return on Equity (ROE)9.7974%2,125
Retained earnings to average equity (ytd only)1.8508%4,897
Net charge-offs to loans0.8406%2,064
Credit loss provision to net charge-offs73.5085%4,716
Earnings coverage of net charge-offs (x)2.5178%3,955
Efficiency ratio61.9815%5,462
Assets per employee ($millions)4.7162%2,569
Cash dividends to net income (ytd only)*81.1094%757
Condition Ratios (%)
Loss allowance to loans1.0962%5,828
Loan loss allowance to noncurrent loans22.1571%6,545
Noncurrent assets plus other real estate owned to assets4.0459%1,415
Noncurrent loans to loans4.9475%1,147
Net loans and leases to total assets73.7705%1,312
Net loans and leases to deposits86.8160%1,562
Net loans and leases to core deposits94.1662%1,676
Total domestic deposits to total assets84.9734%3,863
Equity capital to assets8.5790%6,043
Core capital (leverage) ratio8.3544%5,774
Tier 1 risk-based capital ratio13.7165%4,543
Total risk-based capital ratio14.9673%4,505
Memoranda:
Average total assets$228,537,6002,742
Average earning assets$213,534,8002,689
Average equity$19,505,2003,210
Average total loans$167,503,4002,392
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1020%2,600
Cost of funding earning assets1.2123%2,243
Net interest margin3.8897%3,431
Noninterest income to average assets0.4825%4,019
Noninterest expense to average assets2.5563%5,253
Loan and lease loss provision to assets0.3841%2,553
Net operating income to assets0.8723%2,852
Return on assets (ROA)0.8946%2,908
Pretax return on assets1.1984%2,642
Return on Equity (ROE)10.4950%2,035
Retained earnings to average equity (ytd only)10.1536%802
Net charge-offs to loans0.4770%2,828
Credit loss provision to net charge-offs110.3679%2,990
Earnings coverage of net charge-offs (x)4.4616%3,064
Efficiency ratio61.7705%5,449
Assets per employee ($millions)4.5952%2,764
Cash dividends to net income (ytd only)*3.2533%3,451
Condition Ratios (%)
Loss allowance to loans1.3631%4,720
Loan loss allowance to noncurrent loans25.3407%6,470
Noncurrent assets plus other real estate owned to assets4.2231%1,446
Noncurrent loans to loans5.3791%1,114
Net loans and leases to total assets72.0283%1,698
Net loans and leases to deposits85.0199%1,833
Net loans and leases to core deposits93.0536%1,880
Total domestic deposits to total assets84.7193%3,901
Equity capital to assets8.9349%5,826
Core capital (leverage) ratio8.7185%5,375
Tier 1 risk-based capital ratio14.3888%4,064
Total risk-based capital ratio15.6440%4,028
Memoranda:
Average total assets$229,077,2502,739
Average earning assets$213,582,2502,701
Average equity$19,526,2503,217
Average total loans$167,166,2502,417
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2495%2,065
Cost of funding earning assets1.2503%2,248
Net interest margin3.9992%2,842
Noninterest income to average assets0.4912%3,938
Noninterest expense to average assets2.5580%5,333
Loan and lease loss provision to assets0.4457%2,204
Net operating income to assets0.9126%2,588
Return on assets (ROA)0.9447%2,551
Pretax return on assets1.2593%2,270
Return on Equity (ROE)11.2651%1,709
Retained earnings to average equity (ytd only)11.2651%623
Net charge-offs to loans0.6361%2,246
Credit loss provision to net charge-offs96.0452%3,276
Earnings coverage of net charge-offs (x)3.5819%3,122
Efficiency ratio60.1574%5,848
Assets per employee ($millions)4.5895%2,702
Cash dividends to net income (ytd only)*0.0000%3,290
Condition Ratios (%)
Loss allowance to loans1.3170%4,983
Loan loss allowance to noncurrent loans74.9660%3,739
Noncurrent assets plus other real estate owned to assets1.7117%3,626
Noncurrent loans to loans1.7568%3,812
Net loans and leases to total assets71.9667%1,791
Net loans and leases to deposits85.2042%1,906
Net loans and leases to core deposits92.5561%2,064
Total domestic deposits to total assets84.4638%4,139
Equity capital to assets8.7011%5,946
Core capital (leverage) ratio8.4798%5,583
Tier 1 risk-based capital ratio14.3425%3,906
Total risk-based capital ratio15.5923%3,882
Memoranda:
Average total assets$228,849,3302,765
Average earning assets$213,390,6702,721
Average equity$19,192,0003,248
Average total loans$166,961,6702,445
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2811%1,928
Cost of funding earning assets1.2945%2,212
Net interest margin3.9866%2,744
Noninterest income to average assets0.4516%4,268
Noninterest expense to average assets2.5607%5,356
Loan and lease loss provision to assets0.3501%2,460
Net operating income to assets0.9486%2,364
Return on assets (ROA)0.9539%2,407
Pretax return on assets1.2672%2,141
Return on Equity (ROE)11.5930%1,575
Retained earnings to average equity (ytd only)11.5930%798
Net charge-offs to loans0.0911%4,032
Credit loss provision to net charge-offs526.3158%685
Earnings coverage of net charge-offs (x)24.2105%991
Efficiency ratio61.0575%5,826
Assets per employee ($millions)4.6064%2,720
Cash dividends to net income (ytd only)*0.0000%2,514
Condition Ratios (%)
Loss allowance to loans1.4356%4,502
Loan loss allowance to noncurrent loans60.9706%4,370
Noncurrent assets plus other real estate owned to assets2.0132%3,305
Noncurrent loans to loans2.3546%3,132
Net loans and leases to total assets72.6075%1,589
Net loans and leases to deposits85.7243%1,772
Net loans and leases to core deposits92.0656%2,121
Total domestic deposits to total assets84.6988%4,183
Equity capital to assets8.4824%5,936
Core capital (leverage) ratio8.3933%5,638
Tier 1 risk-based capital ratio14.1260%3,985
Total risk-based capital ratio15.3558%3,975
Memoranda:
Average total assets$228,535,5002,784
Average earning assets$213,212,5002,742
Average equity$18,804,5003,282
Average total loans$166,767,0002,473
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4184%2,588
Cost of funding earning assets1.6374%1,877
Net interest margin3.7810%4,023
Noninterest income to average assets0.4973%4,192
Noninterest expense to average assets2.5494%5,615
Loan and lease loss provision to assets0.3185%4,263
Net operating income to assets0.8509%2,587
Return on assets (ROA)0.8615%2,691
Pretax return on assets1.1743%2,318
Return on Equity (ROE)10.2330%1,842
Retained earnings to average equity (ytd only)1.3620%4,864
Net charge-offs to loans0.0896%5,946
Credit loss provision to net charge-offs476.9737%480
Earnings coverage of net charge-offs (x)22.1382%936
Efficiency ratio62.9254%5,534
Assets per employee ($millions)4.6271%2,653
Cash dividends to net income (ytd only)*86.6905%660
Condition Ratios (%)
Loss allowance to loans1.3303%4,850
Loan loss allowance to noncurrent loans37.9175%5,781
Noncurrent assets plus other real estate owned to assets2.8143%2,494
Noncurrent loans to loans3.5083%2,154
Net loans and leases to total assets71.3342%2,230
Net loans and leases to deposits85.9146%2,117
Net loans and leases to core deposits92.7200%2,417
Total domestic deposits to total assets83.0292%4,784
Equity capital to assets7.9803%6,515
Core capital (leverage) ratio7.9327%6,285
Tier 1 risk-based capital ratio13.4213%4,278
Total risk-based capital ratio14.6714%4,240
Memoranda:
Average total assets$227,624,0002,786
Average earning assets$212,536,8002,720
Average equity$19,163,4003,264
Average total loans$169,671,2002,476
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4783%2,525
Cost of funding earning assets1.6766%1,980
Net interest margin3.8017%3,965
Noninterest income to average assets0.4482%4,576
Noninterest expense to average assets2.5567%5,483
Loan and lease loss provision to assets0.3205%4,025
Net operating income to assets0.8118%2,951
Return on assets (ROA)0.8258%3,038
Pretax return on assets1.1393%2,699
Return on Equity (ROE)9.6799%2,256
Retained earnings to average equity (ytd only)9.6799%873
Net charge-offs to loans0.0752%5,769
Credit loss provision to net charge-offs567.7083%508
Earnings coverage of net charge-offs (x)25.5098%993
Efficiency ratio63.5962%5,323
Assets per employee ($millions)4.7280%2,557
Cash dividends to net income (ytd only)*0.0000%3,526
Condition Ratios (%)
Loss allowance to loans1.2352%5,314
Loan loss allowance to noncurrent loans61.6282%4,216
Noncurrent assets plus other real estate owned to assets1.7081%3,886
Noncurrent loans to loans2.0042%3,669
Net loans and leases to total assets71.4374%2,371
Net loans and leases to deposits86.2789%2,276
Net loans and leases to core deposits94.2247%2,494
Total domestic deposits to total assets82.7982%4,678
Equity capital to assets8.5431%6,227
Core capital (leverage) ratio8.2706%5,926
Tier 1 risk-based capital ratio13.9665%3,866
Total risk-based capital ratio15.2166%3,831
Memoranda:
Average total assets$226,691,0002,833
Average earning assets$211,618,0002,773
Average equity$19,338,5003,274
Average total loans$170,273,7502,509
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5551%2,314
Cost of funding earning assets1.7113%2,061
Net interest margin3.8438%3,695
Noninterest income to average assets0.4466%4,553
Noninterest expense to average assets2.4998%5,720
Loan and lease loss provision to assets0.4028%3,306
Net operating income to assets0.8086%2,928
Return on assets (ROA)0.8351%2,956
Pretax return on assets1.1653%2,533
Return on Equity (ROE)9.7939%2,174
Retained earnings to average equity (ytd only)9.7939%892
Net charge-offs to loans0.0788%5,346
Credit loss provision to net charge-offs671.6418%554
Earnings coverage of net charge-offs (x)25.5373%1,032
Efficiency ratio61.6341%5,751
Assets per employee ($millions)4.6652%2,626
Cash dividends to net income (ytd only)*0.0000%3,319
Condition Ratios (%)
Loss allowance to loans1.2437%5,220
Loan loss allowance to noncurrent loans77.3654%3,508
Noncurrent assets plus other real estate owned to assets1.4436%4,296
Noncurrent loans to loans1.6075%4,303
Net loans and leases to total assets73.8517%1,939
Net loans and leases to deposits89.5398%1,930
Net loans and leases to core deposits97.8497%2,247
Total domestic deposits to total assets82.4791%4,788
Equity capital to assets8.5868%6,039
Core capital (leverage) ratio8.3403%5,690
Tier 1 risk-based capital ratio13.7444%3,910
Total risk-based capital ratio14.9883%3,877
Memoranda:
Average total assets$223,454,6702,890
Average earning assets$208,385,0002,830
Average equity$19,052,6703,297
Average total loans$170,035,0002,542
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5924%2,180
Cost of funding earning assets1.7476%2,136
Net interest margin3.8447%3,599
Noninterest income to average assets0.4437%4,530
Noninterest expense to average assets2.5153%5,676
Loan and lease loss provision to assets0.3622%3,198
Net operating income to assets0.8556%2,731
Return on assets (ROA)0.8837%2,689
Pretax return on assets1.1898%2,395
Return on Equity (ROE)10.4026%1,982
Retained earnings to average equity (ytd only)10.4026%1,066
Net charge-offs to loans0.0472%4,935
Credit loss provision to net charge-offs1,000.0000%456
Earnings coverage of net charge-offs (x)41.8000%662
Efficiency ratio62.0674%5,820
Assets per employee ($millions)5.3024%1,862
Cash dividends to net income (ytd only)*0.0000%2,528
Condition Ratios (%)
Loss allowance to loans1.1386%5,827
Loan loss allowance to noncurrent loans64.1856%4,164
Noncurrent assets plus other real estate owned to assets1.5923%4,111
Noncurrent loans to loans1.7739%4,091
Net loans and leases to total assets74.9779%1,743
Net loans and leases to deposits91.9162%1,622
Net loans and leases to core deposits101.1902%2,008
Total domestic deposits to total assets81.5720%5,244
Equity capital to assets8.5640%5,920
Core capital (leverage) ratio8.3450%5,652
Tier 1 risk-based capital ratio13.6078%3,921
Total risk-based capital ratio14.8416%3,898
Memoranda:
Average total assets$220,884,0002,979
Average earning assets$205,995,5002,922
Average equity$18,764,5003,357
Average total loans$169,578,5002,618
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.0059%1,840
Cost of funding earning assets2.0768%2,590
Net interest margin3.9292%3,161
Noninterest income to average assets0.5017%4,393
Noninterest expense to average assets2.4355%6,352
Loan and lease loss provision to assets0.3574%4,660
Net operating income to assets1.0456%1,687
Return on assets (ROA)1.1156%1,506
Pretax return on assets1.4665%1,273
Return on Equity (ROE)13.1593%926
Retained earnings to average equity (ytd only)3.4317%2,765
Net charge-offs to loans0.3541%4,459
Credit loss provision to net charge-offs131.3131%3,857
Earnings coverage of net charge-offs (x)6.3636%2,381
Efficiency ratio58.0695%6,751
Assets per employee ($millions)4.2955%3,273
Cash dividends to net income (ytd only)*73.9220%1,398
Condition Ratios (%)
Loss allowance to loans1.0237%6,247
Loan loss allowance to noncurrent loans59.6918%4,403
Noncurrent assets plus other real estate owned to assets1.4630%4,207
Noncurrent loans to loans1.7150%4,065
Net loans and leases to total assets76.9237%1,595
Net loans and leases to deposits94.9006%1,475
Net loans and leases to core deposits115.8735%2,331
Total domestic deposits to total assets81.0571%5,327
Equity capital to assets8.4252%6,019
Core capital (leverage) ratio8.2413%5,746
Tier 1 risk-based capital ratio13.1340%4,057
Total risk-based capital ratio14.3702%4,012
Memoranda:
Average total assets$218,272,2002,967
Average earning assets$203,631,4002,924
Average equity$18,504,0003,426
Average total loans$167,726,6002,653
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.0529%1,827
Cost of funding earning assets2.1428%2,697
Net interest margin3.9101%3,202
Noninterest income to average assets0.5448%4,121
Noninterest expense to average assets2.4572%6,221
Loan and lease loss provision to assets0.2782%4,747
Net operating income to assets1.1104%1,709
Return on assets (ROA)1.1592%1,625
Pretax return on assets1.5218%1,352
Return on Equity (ROE)13.6529%990
Retained earnings to average equity (ytd only)9.3324%758
Net charge-offs to loans0.0710%5,980
Credit loss provision to net charge-offs511.2360%766
Earnings coverage of net charge-offs (x)31.8999%890
Efficiency ratio58.2240%6,690
Assets per employee ($millions)4.3260%3,156
Cash dividends to net income (ytd only)*31.6455%2,816
Condition Ratios (%)
Loss allowance to loans1.1701%5,298
Loan loss allowance to noncurrent loans70.7089%3,786
Noncurrent assets plus other real estate owned to assets1.4772%4,164
Noncurrent loans to loans1.6548%4,159
Net loans and leases to total assets75.2286%2,181
Net loans and leases to deposits92.9175%2,074
Net loans and leases to core deposits113.2690%2,899
Total domestic deposits to total assets80.9627%5,091
Equity capital to assets8.7583%5,867
Core capital (leverage) ratio8.5016%5,493
Tier 1 risk-based capital ratio13.8438%3,634
Total risk-based capital ratio15.0937%3,590
Memoranda:
Average total assets$218,073,0002,988
Average earning assets$203,467,5002,940
Average equity$18,515,7503,449
Average total loans$167,093,5002,683
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.1795%1,525
Cost of funding earning assets2.2105%2,749
Net interest margin3.9690%2,833
Noninterest income to average assets0.5874%3,788
Noninterest expense to average assets2.3883%6,501
Loan and lease loss provision to assets0.2256%4,771
Net operating income to assets1.2704%1,306
Return on assets (ROA)1.2697%1,386
Pretax return on assets1.6757%1,064
Return on Equity (ROE)15.1151%815
Retained earnings to average equity (ytd only)15.1151%204
Net charge-offs to loans0.1079%5,080
Credit loss provision to net charge-offs272.2222%1,718
Earnings coverage of net charge-offs (x)22.9556%1,200
Efficiency ratio55.3004%7,191
Assets per employee ($millions)4.2709%3,164
Cash dividends to net income (ytd only)*0.0000%3,532
Condition Ratios (%)
Loss allowance to loans1.0919%5,657
Loan loss allowance to noncurrent loans132.0560%2,222
Noncurrent assets plus other real estate owned to assets0.7079%5,638
Noncurrent loans to loans0.8268%5,573
Net loans and leases to total assets74.5269%2,565
Net loans and leases to deposits92.1785%2,437
Net loans and leases to core deposits111.7075%3,172
Total domestic deposits to total assets80.8506%5,127
Equity capital to assets8.7501%5,686
Core capital (leverage) ratio8.6154%5,239
Tier 1 risk-based capital ratio14.0356%3,498
Total risk-based capital ratio15.2843%3,441
Memoranda:
Average total assets$217,222,3303,013
Average earning assets$202,670,0002,969
Average equity$18,246,6703,516
Average total loans$166,812,0002,718
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.3078%1,278
Cost of funding earning assets2.2736%2,820
Net interest margin4.0341%2,512
Noninterest income to average assets0.4813%4,497
Noninterest expense to average assets2.3879%6,238
Loan and lease loss provision to assets0.1383%5,198
Net operating income to assets1.2610%1,474
Return on assets (ROA)1.2502%1,614
Pretax return on assets1.7093%1,158
Return on Equity (ROE)15.2014%940
Retained earnings to average equity (ytd only)15.2014%391
Net charge-offs to loans0.0143%5,389
Credit loss provision to net charge-offs1,250.0000%500
Earnings coverage of net charge-offs (x)168.3333%258
Efficiency ratio55.7918%7,000
Assets per employee ($millions)4.2289%3,210
Cash dividends to net income (ytd only)*0.0000%2,832
Condition Ratios (%)
Loss allowance to loans1.0166%6,065
Loan loss allowance to noncurrent loans108.7317%2,837
Noncurrent assets plus other real estate owned to assets0.8161%5,139
Noncurrent loans to loans0.9349%5,129
Net loans and leases to total assets77.0203%2,036
Net loans and leases to deposits97.0779%1,789
Net loans and leases to core deposits116.1980%2,783
Total domestic deposits to total assets79.3386%5,598
Equity capital to assets8.4758%6,112
Core capital (leverage) ratio8.3673%5,775
Tier 1 risk-based capital ratio13.4084%3,924
Total risk-based capital ratio14.6587%3,838
Memoranda:
Average total assets$216,926,5003,036
Average earning assets$202,671,0002,983
Average equity$17,840,5003,588
Average total loans$168,157,0002,728
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.3974%3,433
Cost of funding earning assets3.0677%1,609
Net interest margin3.3297%5,931
Noninterest income to average assets0.5740%4,056
Noninterest expense to average assets2.4658%6,147
Loan and lease loss provision to assets0.2758%4,184
Net operating income to assets0.7415%3,709
Return on assets (ROA)0.7331%3,579
Pretax return on assets0.9252%3,640
Return on Equity (ROE)8.9871%2,648
Retained earnings to average equity (ytd only)3.2846%3,109
Net charge-offs to loans0.0341%6,337
Credit loss provision to net charge-offs1,040.3509%424
Earnings coverage of net charge-offs (x)45.7018%814
Efficiency ratio65.4440%5,230
Assets per employee ($millions)4.2780%2,991
Cash dividends to net income (ytd only)*63.4518%2,502
Condition Ratios (%)
Loss allowance to loans0.9715%6,260
Loan loss allowance to noncurrent loans78.2505%4,195
Noncurrent assets plus other real estate owned to assets1.0436%4,211
Noncurrent loans to loans1.2416%4,034
Net loans and leases to total assets76.4777%2,504
Net loans and leases to deposits98.7781%2,014
Net loans and leases to core deposits115.2604%3,210
Total domestic deposits to total assets77.4237%5,895
Equity capital to assets7.9755%6,882
Core capital (leverage) ratio7.9439%6,581
Tier 1 risk-based capital ratio12.8638%4,182
Total risk-based capital ratio14.0789%4,128
Memoranda:
Average total assets$214,984,2002,942
Average earning assets$200,379,6002,892
Average equity$17,536,2003,637
Average total loans$166,925,6002,675