Home > Atlantic National Bank > Performance and Condition Ratios

Atlantic National Bank, Performance and Condition Ratios

2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3266%5,069
Cost of funding earning assets0.3193%3,884
Net interest margin3.0073%4,900
Noninterest income to average assets0.4611%3,279
Noninterest expense to average assets2.2512%4,460
Loan and lease loss provision to assets-0.3833%5,750
Net operating income to assets1.4694%920
Return on assets (ROA)1.4694%939
Pretax return on assets1.4694%1,761
Return on Equity (ROE)13.5373%914
Retained earnings to average equity (ytd only)10.0063%584
Net charge-offs to loans-0.0744%5,320
Credit loss provision to net charge-offs878.3784%427
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio67.4558%3,101
Assets per employee ($millions)5.0221%2,362
Cash dividends to net income (ytd only)*26.0835%2,898
Condition Ratios (%)
Loss allowance to loans1.3744%2,068
Loan loss allowance to noncurrent loans370.3081%1,327
Noncurrent assets plus other real estate owned to assets0.4375%3,363
Noncurrent loans to loans0.3712%3,696
Net loans and leases to total assets55.5561%4,262
Net loans and leases to deposits63.5178%4,401
Net loans and leases to core deposits64.2079%4,586
Total domestic deposits to total assets87.4653%1,740
Equity capital to assets11.0952%2,709
Core capital (leverage) ratio11.1818%2,239
Tier 1 risk-based capital ratio22.5836%985
Total risk-based capital ratio23.8379%969
Memoranda:
Average total assets$169,597,3303,284
Average earning assets$162,207,3303,212
Average equity$18,408,3303,345
Average total loans$99,403,6703,408
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1296%5,332
Cost of funding earning assets0.3169%3,884
Net interest margin2.8127%5,220
Noninterest income to average assets0.3858%3,768
Noninterest expense to average assets2.3287%4,327
Loan and lease loss provision to assets-0.2367%5,800
Net operating income to assets0.9821%2,380
Return on assets (ROA)0.9821%2,429
Pretax return on assets0.9821%3,443
Return on Equity (ROE)9.1510%2,339
Retained earnings to average equity (ytd only)5.5788%2,552
Net charge-offs to loans-0.0396%5,073
Credit loss provision to net charge-offs1,000.0000%309
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio75.7506%1,948
Assets per employee ($millions)7.5172%751
Cash dividends to net income (ytd only)*39.0361%2,036
Condition Ratios (%)
Loss allowance to loans1.5273%1,595
Loan loss allowance to noncurrent loans236.7601%1,975
Noncurrent assets plus other real estate owned to assets0.5969%2,856
Noncurrent loans to loans0.6451%2,893
Net loans and leases to total assets56.6847%4,103
Net loans and leases to deposits64.6241%4,275
Net loans and leases to core deposits65.2054%4,481
Total domestic deposits to total assets87.7145%1,880
Equity capital to assets10.5654%3,113
Core capital (leverage) ratio10.9675%2,391
Tier 1 risk-based capital ratio21.2894%1,175
Total risk-based capital ratio22.5452%1,161
Memoranda:
Average total assets$169,021,0003,323
Average earning assets$161,552,0003,249
Average equity$18,140,0003,396
Average total loans$101,013,5003,402
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2523%5,235
Cost of funding earning assets0.3385%3,645
Net interest margin2.9137%5,113
Noninterest income to average assets0.3696%4,103
Noninterest expense to average assets2.0943%5,012
Loan and lease loss provision to assets-0.0904%5,675
Net operating income to assets1.1623%1,639
Return on assets (ROA)1.1623%1,734
Pretax return on assets1.1623%2,844
Return on Equity (ROE)11.0712%1,555
Retained earnings to average equity (ytd only)5.4782%2,028
Net charge-offs to loans0.0876%2,446
Credit loss provision to net charge-offs-170.4545%4,977
Earnings coverage of net charge-offs (x)20.2045%1,866
Efficiency ratio66.1462%3,572
Assets per employee ($millions)5.0045%2,386
Cash dividends to net income (ytd only)*50.5187%2,272
Condition Ratios (%)
Loss allowance to loans1.5707%1,442
Loan loss allowance to noncurrent loans209.3628%2,178
Noncurrent assets plus other real estate owned to assets0.7018%2,619
Noncurrent loans to loans0.7502%2,655
Net loans and leases to total assets61.0922%3,715
Net loans and leases to deposits69.9066%3,912
Net loans and leases to core deposits70.6784%4,186
Total domestic deposits to total assets87.3912%1,937
Equity capital to assets10.9073%2,706
Core capital (leverage) ratio11.0031%2,329
Tier 1 risk-based capital ratio20.8228%1,243
Total risk-based capital ratio22.0799%1,213
Memoranda:
Average total assets$165,876,4003,335
Average earning assets$159,211,0003,248
Average equity$17,414,6003,495
Average total loans$100,436,2003,375
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2237%5,329
Cost of funding earning assets0.3413%3,641
Net interest margin2.8824%5,220
Noninterest income to average assets0.3798%4,068
Noninterest expense to average assets2.1301%4,938
Loan and lease loss provision to assets0.0000%4,186
Net operating income to assets1.0165%2,355
Return on assets (ROA)1.0165%2,489
Pretax return on assets1.0165%3,572
Return on Equity (ROE)9.7768%2,158
Retained earnings to average equity (ytd only)3.5061%3,793
Net charge-offs to loans0.1414%1,579
Credit loss provision to net charge-offs0.0000%3,412
Earnings coverage of net charge-offs (x)11.9434%2,432
Efficiency ratio67.6958%3,283
Assets per employee ($millions)4.8837%2,517
Cash dividends to net income (ytd only)*64.1390%1,260
Condition Ratios (%)
Loss allowance to loans1.7050%1,213
Loan loss allowance to noncurrent loans216.3975%2,106
Noncurrent assets plus other real estate owned to assets0.7197%2,763
Noncurrent loans to loans0.7879%2,707
Net loans and leases to total assets60.4817%3,819
Net loans and leases to deposits68.9914%4,061
Net loans and leases to core deposits69.9954%4,324
Total domestic deposits to total assets87.6655%1,580
Equity capital to assets10.5675%3,492
Core capital (leverage) ratio10.5974%2,880
Tier 1 risk-based capital ratio20.5820%1,343
Total risk-based capital ratio21.8422%1,309
Memoranda:
Average total assets$166,058,7503,346
Average earning assets$159,397,7503,264
Average equity$17,265,0003,546
Average total loans$99,919,7503,398
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1876%5,448
Cost of funding earning assets0.3415%3,664
Net interest margin2.8461%5,354
Noninterest income to average assets0.3553%4,233
Noninterest expense to average assets2.1173%5,022
Loan and lease loss provision to assets0.0000%4,017
Net operating income to assets0.9683%2,533
Return on assets (ROA)0.9683%2,677
Pretax return on assets0.9683%3,711
Return on Equity (ROE)9.3646%2,329
Retained earnings to average equity (ytd only)1.8054%4,648
Net charge-offs to loans-0.0625%5,453
Credit loss provision to net charge-offs0.0000%3,050
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio68.6183%3,221
Assets per employee ($millions)4.9504%2,355
Cash dividends to net income (ytd only)*80.7214%889
Condition Ratios (%)
Loss allowance to loans1.8324%1,024
Loan loss allowance to noncurrent loans231.9753%2,013
Noncurrent assets plus other real estate owned to assets0.7130%2,841
Noncurrent loans to loans0.7899%2,772
Net loans and leases to total assets59.8074%3,909
Net loans and leases to deposits68.3987%4,143
Net loans and leases to core deposits69.3811%4,377
Total domestic deposits to total assets87.4394%1,695
Equity capital to assets10.2506%3,914
Core capital (leverage) ratio10.4106%3,066
Tier 1 risk-based capital ratio20.2921%1,388
Total risk-based capital ratio21.5539%1,362
Memoranda:
Average total assets$166,062,6703,365
Average earning assets$159,303,6703,277
Average equity$17,171,0003,566
Average total loans$99,169,6703,421
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1853%5,503
Cost of funding earning assets0.3441%3,670
Net interest margin2.8412%5,411
Noninterest income to average assets0.3516%4,210
Noninterest expense to average assets2.1269%5,060
Loan and lease loss provision to assets0.0000%3,656
Net operating income to assets0.9482%2,515
Return on assets (ROA)0.9482%2,632
Pretax return on assets0.9482%3,667
Return on Equity (ROE)9.1302%2,355
Retained earnings to average equity (ytd only)1.5412%4,653
Net charge-offs to loans-0.0492%5,318
Credit loss provision to net charge-offs0.0000%2,416
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio69.1640%3,271
Assets per employee ($millions)5.0147%2,325
Cash dividends to net income (ytd only)*83.1202%954
Condition Ratios (%)
Loss allowance to loans1.9223%935
Loan loss allowance to noncurrent loans223.8267%2,062
Noncurrent assets plus other real estate owned to assets0.7191%2,915
Noncurrent loans to loans0.8589%2,702
Net loans and leases to total assets55.6577%4,295
Net loans and leases to deposits63.6905%4,460
Net loans and leases to core deposits64.4830%4,658
Total domestic deposits to total assets87.3878%2,002
Equity capital to assets10.0733%3,983
Core capital (leverage) ratio10.4897%2,979
Tier 1 risk-based capital ratio20.8765%1,335
Total risk-based capital ratio22.1387%1,308
Memoranda:
Average total assets$164,938,0003,386
Average earning assets$158,099,5003,306
Average equity$17,130,0003,563
Average total loans$97,483,5003,461
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4917%4,941
Cost of funding earning assets0.3620%3,555
Net interest margin3.1297%4,837
Noninterest income to average assets0.3444%4,453
Noninterest expense to average assets2.3006%4,783
Loan and lease loss provision to assets-0.1790%5,963
Net operating income to assets1.1998%1,550
Return on assets (ROA)1.1998%1,623
Pretax return on assets1.1998%2,660
Return on Equity (ROE)11.1778%1,551
Retained earnings to average equity (ytd only)7.1870%1,198
Net charge-offs to loans-0.0733%5,685
Credit loss provision to net charge-offs371.6216%804
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio69.2670%3,351
Assets per employee ($millions)4.6875%2,746
Cash dividends to net income (ytd only)*35.7027%3,067
Condition Ratios (%)
Loss allowance to loans1.8817%989
Loan loss allowance to noncurrent loans208.1081%2,192
Noncurrent assets plus other real estate owned to assets0.9211%2,362
Noncurrent loans to loans0.9042%2,529
Net loans and leases to total assets60.4624%3,771
Net loans and leases to deposits69.8458%3,938
Net loans and leases to core deposits70.9149%4,222
Total domestic deposits to total assets86.5656%2,343
Equity capital to assets10.7200%3,107
Core capital (leverage) ratio10.8556%2,556
Tier 1 risk-based capital ratio20.4832%1,386
Total risk-based capital ratio21.7455%1,356
Memoranda:
Average total assets$153,610,0003,516
Average earning assets$146,116,8003,457
Average equity$16,488,0003,604
Average total loans$100,962,4003,368
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5182%4,938
Cost of funding earning assets0.3654%3,600
Net interest margin3.1528%4,815
Noninterest income to average assets0.3233%4,628
Noninterest expense to average assets2.3333%4,689
Loan and lease loss provision to assets0.0000%4,232
Net operating income to assets0.9840%2,551
Return on assets (ROA)0.9840%2,633
Pretax return on assets0.9840%3,674
Return on Equity (ROE)9.1641%2,488
Retained earnings to average equity (ytd only)3.7945%3,766
Net charge-offs to loans0.1312%1,827
Credit loss provision to net charge-offs0.0000%3,517
Earnings coverage of net charge-offs (x)11.2300%2,513
Efficiency ratio70.3381%3,157
Assets per employee ($millions)4.6697%2,743
Cash dividends to net income (ytd only)*58.5928%1,482
Condition Ratios (%)
Loss allowance to loans1.9124%1,045
Loan loss allowance to noncurrent loans213.4721%2,134
Noncurrent assets plus other real estate owned to assets0.9410%2,509
Noncurrent loans to loans0.8959%2,735
Net loans and leases to total assets62.9613%3,461
Net loans and leases to deposits72.5479%3,702
Net loans and leases to core deposits73.6728%4,048
Total domestic deposits to total assets86.7858%2,148
Equity capital to assets10.4296%3,673
Core capital (leverage) ratio10.5055%3,043
Tier 1 risk-based capital ratio19.2958%1,705
Total risk-based capital ratio20.5585%1,671
Memoranda:
Average total assets$152,168,7503,567
Average earning assets$144,502,5003,515
Average equity$16,338,7503,657
Average total loans$101,650,5003,392
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5393%4,885
Cost of funding earning assets0.3689%3,613
Net interest margin3.1704%4,749
Noninterest income to average assets0.3054%4,770
Noninterest expense to average assets2.3658%4,675
Loan and lease loss provision to assets0.0000%4,069
Net operating income to assets0.9429%2,672
Return on assets (ROA)0.9429%2,793
Pretax return on assets0.9429%3,800
Return on Equity (ROE)8.6933%2,705
Retained earnings to average equity (ytd only)4.6479%3,083
Net charge-offs to loans0.1044%1,963
Credit loss provision to net charge-offs0.0000%3,158
Earnings coverage of net charge-offs (x)13.3396%2,140
Efficiency ratio71.5034%3,070
Assets per employee ($millions)4.5931%2,840
Cash dividends to net income (ytd only)*46.5347%2,085
Condition Ratios (%)
Loss allowance to loans1.9249%1,117
Loan loss allowance to noncurrent loans270.0947%1,764
Noncurrent assets plus other real estate owned to assets1.1859%2,142
Noncurrent loans to loans0.7127%3,352
Net loans and leases to total assets65.1226%3,104
Net loans and leases to deposits75.2110%3,359
Net loans and leases to core deposits76.2542%3,743
Total domestic deposits to total assets86.5865%2,383
Equity capital to assets10.5607%3,378
Core capital (leverage) ratio10.9369%2,493
Tier 1 risk-based capital ratio19.0151%1,788
Total risk-based capital ratio20.2777%1,757
Memoranda:
Average total assets$149,968,6703,631
Average earning assets$142,063,0003,567
Average equity$16,265,3303,683
Average total loans$101,563,3303,410
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5437%4,849
Cost of funding earning assets0.3848%3,468
Net interest margin3.1589%4,755
Noninterest income to average assets0.3786%4,170
Noninterest expense to average assets2.4130%4,557
Loan and lease loss provision to assets0.0000%3,703
Net operating income to assets0.9614%2,440
Return on assets (ROA)0.9614%2,574
Pretax return on assets0.9614%3,642
Return on Equity (ROE)8.7420%2,577
Retained earnings to average equity (ytd only)0.5944%5,196
Net charge-offs to loans0.2508%953
Credit loss provision to net charge-offs0.0000%2,491
Earnings coverage of net charge-offs (x)5.6032%2,372
Efficiency ratio71.5093%3,248
Assets per employee ($millions)4.3585%3,271
Cash dividends to net income (ytd only)*93.2011%778
Condition Ratios (%)
Loss allowance to loans2.0173%1,043
Loan loss allowance to noncurrent loans254.6154%1,823
Noncurrent assets plus other real estate owned to assets1.5872%1,620
Noncurrent loans to loans0.7923%3,269
Net loans and leases to total assets65.0952%2,922
Net loans and leases to deposits75.5384%3,112
Net loans and leases to core deposits76.4792%3,541
Total domestic deposits to total assets86.1751%2,842
Equity capital to assets10.9077%3,081
Core capital (leverage) ratio11.0144%2,398
Tier 1 risk-based capital ratio19.7822%1,674
Total risk-based capital ratio21.0471%1,632
Memoranda:
Average total assets$146,871,0003,701
Average earning assets$139,288,0003,638
Average equity$16,152,0003,722
Average total loans$100,498,0003,444
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9069%4,102
Cost of funding earning assets0.5303%2,386
Net interest margin3.3766%4,294
Noninterest income to average assets0.1313%6,037
Noninterest expense to average assets2.5853%4,275
Loan and lease loss provision to assets-0.3470%6,396
Net operating income to assets1.0618%2,121
Return on assets (ROA)1.0874%2,076
Pretax return on assets1.0874%3,135
Return on Equity (ROE)10.2591%2,006
Retained earnings to average equity (ytd only)10.2591%477
Net charge-offs to loans-0.0239%5,740
Credit loss provision to net charge-offs1,930.7692%160
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio78.3410%2,155
Assets per employee ($millions)4.2810%3,394
Cash dividends to net income (ytd only)*0.0000%4,317
Condition Ratios (%)
Loss allowance to loans1.9981%1,117
Loan loss allowance to noncurrent loans176.9430%2,474
Noncurrent assets plus other real estate owned to assets1.8797%1,373
Noncurrent loans to loans1.1292%2,578
Net loans and leases to total assets69.0450%2,388
Net loans and leases to deposits80.3269%2,677
Net loans and leases to core deposits81.5220%3,150
Total domestic deposits to total assets85.9549%2,865
Equity capital to assets11.0887%2,817
Core capital (leverage) ratio11.1938%2,221
Tier 1 risk-based capital ratio18.8682%1,887
Total risk-based capital ratio20.1329%1,845
Memoranda:
Average total assets$144,661,6003,712
Average earning assets$135,759,8003,661
Average equity$15,332,8003,776
Average total loans$108,612,6003,251
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9279%4,062
Cost of funding earning assets0.5616%2,182
Net interest margin3.3664%4,371
Noninterest income to average assets0.1311%6,116
Noninterest expense to average assets2.6483%4,019
Loan and lease loss provision to assets-0.4634%6,526
Net operating income to assets1.1003%2,029
Return on assets (ROA)1.1345%1,979
Pretax return on assets1.1345%3,050
Return on Equity (ROE)10.8296%1,861
Retained earnings to average equity (ytd only)10.8296%546
Net charge-offs to loans-0.1174%6,188
Credit loss provision to net charge-offs517.5258%549
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio80.6125%1,823
Assets per employee ($millions)4.3165%3,266
Cash dividends to net income (ytd only)*0.0000%3,806
Condition Ratios (%)
Loss allowance to loans1.9184%1,412
Loan loss allowance to noncurrent loans178.4512%2,360
Noncurrent assets plus other real estate owned to assets1.9474%1,494
Noncurrent loans to loans1.0750%2,923
Net loans and leases to total assets76.0911%1,211
Net loans and leases to deposits89.4187%1,486
Net loans and leases to core deposits90.8145%2,143
Total domestic deposits to total assets85.0953%3,305
Equity capital to assets11.0941%2,865
Core capital (leverage) ratio10.8694%2,609
Tier 1 risk-based capital ratio17.1568%2,544
Total risk-based capital ratio18.4203%2,499
Memoranda:
Average total assets$144,438,7503,752
Average earning assets$135,334,5003,698
Average equity$15,131,0003,830
Average total loans$110,129,2503,233
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9255%4,035
Cost of funding earning assets0.5753%2,115
Net interest margin3.3501%4,404
Noninterest income to average assets0.1999%5,762
Noninterest expense to average assets2.6629%4,005
Loan and lease loss provision to assets-0.2412%6,500
Net operating income to assets0.9083%2,765
Return on assets (ROA)0.9593%2,599
Pretax return on assets0.9593%3,646
Return on Equity (ROE)9.3379%2,445
Retained earnings to average equity (ytd only)9.3379%874
Net charge-offs to loans-0.1636%6,295
Credit loss provision to net charge-offs194.4444%1,206
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio79.9669%2,032
Assets per employee ($millions)4.4315%3,033
Cash dividends to net income (ytd only)*0.0000%3,638
Condition Ratios (%)
Loss allowance to loans2.2043%1,017
Loan loss allowance to noncurrent loans178.6237%2,347
Noncurrent assets plus other real estate owned to assets2.7619%949
Noncurrent loans to loans1.2340%2,763
Net loans and leases to total assets74.0259%1,441
Net loans and leases to deposits86.2843%1,795
Net loans and leases to core deposits87.7702%2,332
Total domestic deposits to total assets85.7930%3,156
Equity capital to assets10.4303%3,529
Core capital (leverage) ratio10.4858%2,967
Tier 1 risk-based capital ratio16.6096%2,777
Total risk-based capital ratio17.8769%2,738
Memoranda:
Average total assets$145,103,3303,760
Average earning assets$135,576,3303,718
Average equity$14,907,0003,871
Average total loans$110,003,0003,241
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9353%3,948
Cost of funding earning assets0.5947%2,018
Net interest margin3.3406%4,369
Noninterest income to average assets0.5148%3,298
Noninterest expense to average assets2.5295%4,525
Loan and lease loss provision to assets0.0000%3,817
Net operating income to assets1.1098%1,781
Return on assets (ROA)1.1098%1,834
Pretax return on assets1.1098%2,859
Return on Equity (ROE)10.8864%1,722
Retained earnings to average equity (ytd only)10.8864%763
Net charge-offs to loans-0.6420%6,584
Credit loss provision to net charge-offs0.0000%2,688
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio69.5057%3,909
Assets per employee ($millions)4.1939%3,539
Cash dividends to net income (ytd only)*0.0000%2,852
Condition Ratios (%)
Loss allowance to loans2.4396%865
Loan loss allowance to noncurrent loans180.1868%2,295
Noncurrent assets plus other real estate owned to assets3.0936%903
Noncurrent loans to loans1.3539%2,779
Net loans and leases to total assets73.5869%1,330
Net loans and leases to deposits85.4834%1,663
Net loans and leases to core deposits86.9407%2,205
Total domestic deposits to total assets86.0832%3,323
Equity capital to assets10.1841%3,615
Core capital (leverage) ratio10.2931%3,180
Tier 1 risk-based capital ratio15.9193%3,207
Total risk-based capital ratio17.1900%3,150
Memoranda:
Average total assets$144,536,0003,794
Average earning assets$135,187,0003,743
Average equity$14,734,0003,908
Average total loans$109,657,5003,268
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8561%4,620
Cost of funding earning assets0.7099%1,744
Net interest margin3.1462%5,171
Noninterest income to average assets0.3974%4,465
Noninterest expense to average assets2.6494%4,283
Loan and lease loss provision to assets-0.1095%6,497
Net operating income to assets0.8106%3,239
Return on assets (ROA)0.8106%3,334
Pretax return on assets0.8106%4,105
Return on Equity (ROE)8.4856%2,787
Retained earnings to average equity (ytd only)8.4856%911
Net charge-offs to loans0.2052%2,829
Credit loss provision to net charge-offs-74.0741%5,834
Earnings coverage of net charge-offs (x)4.7454%3,476
Efficiency ratio79.0731%2,307
Assets per employee ($millions)4.0653%3,719
Cash dividends to net income (ytd only)*0.0000%4,285
Condition Ratios (%)
Loss allowance to loans2.3251%1,017
Loan loss allowance to noncurrent loans92.0525%3,828
Noncurrent assets plus other real estate owned to assets4.0686%645
Noncurrent loans to loans2.5258%1,485
Net loans and leases to total assets74.5497%1,274
Net loans and leases to deposits85.9545%1,693
Net loans and leases to core deposits87.7013%2,273
Total domestic deposits to total assets86.7316%2,864
Equity capital to assets10.2042%3,499
Core capital (leverage) ratio10.1003%3,431
Tier 1 risk-based capital ratio15.6302%3,289
Total risk-based capital ratio16.8811%3,245
Memoranda:
Average total assets$146,183,8003,766
Average earning assets$137,211,8003,706
Average equity$13,964,8004,078
Average total loans$105,270,0003,337
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8242%4,754
Cost of funding earning assets0.7330%1,721
Net interest margin3.0913%5,341
Noninterest income to average assets0.4585%4,094
Noninterest expense to average assets2.6447%4,227
Loan and lease loss provision to assets0.0000%4,941
Net operating income to assets0.7140%3,790
Return on assets (ROA)0.7140%3,920
Pretax return on assets0.7140%4,642
Return on Equity (ROE)7.5989%3,323
Retained earnings to average equity (ytd only)7.5989%1,589
Net charge-offs to loans0.2949%2,060
Credit loss provision to net charge-offs0.0000%4,342
Earnings coverage of net charge-offs (x)3.4113%3,710
Efficiency ratio78.7429%2,303
Assets per employee ($millions)4.0955%3,641
Cash dividends to net income (ytd only)*0.0000%3,738
Condition Ratios (%)
Loss allowance to loans2.5225%910
Loan loss allowance to noncurrent loans96.6341%3,557
Noncurrent assets plus other real estate owned to assets4.3943%690
Noncurrent loans to loans2.6103%1,629
Net loans and leases to total assets71.9800%1,595
Net loans and leases to deposits82.8567%2,020
Net loans and leases to core deposits85.2797%2,493
Total domestic deposits to total assets86.8728%2,757
Equity capital to assets9.8546%4,103
Core capital (leverage) ratio9.7540%4,025
Tier 1 risk-based capital ratio15.5246%3,460
Total risk-based capital ratio16.7953%3,408
Memoranda:
Average total assets$147,158,5003,795
Average earning assets$138,063,0003,736
Average equity$13,826,2504,146
Average total loans$104,438,0003,379
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7993%4,837
Cost of funding earning assets0.7567%1,663
Net interest margin3.0426%5,454
Noninterest income to average assets0.4595%4,095
Noninterest expense to average assets2.5979%4,395
Loan and lease loss provision to assets0.0000%4,788
Net operating income to assets0.7222%3,708
Return on assets (ROA)0.7222%3,875
Pretax return on assets0.7222%4,602
Return on Equity (ROE)7.8098%3,183
Retained earnings to average equity (ytd only)7.8098%1,562
Net charge-offs to loans0.0635%3,796
Credit loss provision to net charge-offs0.0000%4,003
Earnings coverage of net charge-offs (x)16.2424%1,676
Efficiency ratio78.2468%2,417
Assets per employee ($millions)4.0837%3,615
Cash dividends to net income (ytd only)*0.0000%3,522
Condition Ratios (%)
Loss allowance to loans2.7434%753
Loan loss allowance to noncurrent loans88.7926%3,752
Noncurrent assets plus other real estate owned to assets4.0948%842
Noncurrent loans to loans3.0897%1,432
Net loans and leases to total assets69.1594%2,041
Net loans and leases to deposits78.1999%2,543
Net loans and leases to core deposits82.0183%2,801
Total domestic deposits to total assets88.4392%1,956
Equity capital to assets9.4855%4,601
Core capital (leverage) ratio9.3230%4,505
Tier 1 risk-based capital ratio15.6154%3,421
Total risk-based capital ratio16.8898%3,347
Memoranda:
Average total assets$148,430,0003,798
Average earning assets$139,551,6703,729
Average equity$13,726,3304,206
Average total loans$103,967,6703,401
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8085%4,799
Cost of funding earning assets0.7834%1,626
Net interest margin3.0252%5,507
Noninterest income to average assets0.3835%4,592
Noninterest expense to average assets2.4836%4,810
Loan and lease loss provision to assets0.0000%4,409
Net operating income to assets0.7483%3,444
Return on assets (ROA)0.7483%3,580
Pretax return on assets0.7483%4,378
Return on Equity (ROE)8.1956%2,880
Retained earnings to average equity (ytd only)8.1956%1,686
Net charge-offs to loans-0.0733%6,298
Credit loss provision to net charge-offs0.0000%3,239
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio76.8465%2,788
Assets per employee ($millions)4.0698%3,800
Cash dividends to net income (ytd only)*0.0000%2,673
Condition Ratios (%)
Loss allowance to loans2.8254%797
Loan loss allowance to noncurrent loans85.7562%3,759
Noncurrent assets plus other real estate owned to assets4.1778%925
Noncurrent loans to loans3.2947%1,470
Net loans and leases to total assets66.6921%2,249
Net loans and leases to deposits76.5409%2,545
Net loans and leases to core deposits79.9253%2,818
Total domestic deposits to total assets87.1327%2,880
Equity capital to assets9.1391%5,324
Core capital (leverage) ratio9.2694%4,455
Tier 1 risk-based capital ratio15.6403%3,457
Total risk-based capital ratio16.9166%3,406
Memoranda:
Average total assets$149,138,0003,828
Average earning assets$140,422,5003,762
Average equity$13,617,0004,268
Average total loans$103,680,5003,425
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2299%4,477
Cost of funding earning assets0.9019%1,924
Net interest margin3.3280%5,148
Noninterest income to average assets0.3517%4,949
Noninterest expense to average assets2.4713%5,182
Loan and lease loss provision to assets0.3726%1,759
Net operating income to assets0.5779%4,346
Return on assets (ROA)0.5779%4,606
Pretax return on assets0.5779%5,060
Return on Equity (ROE)7.0204%3,633
Retained earnings to average equity (ytd only)7.0204%1,559
Net charge-offs to loans1.1974%842
Credit loss provision to net charge-offs45.0575%4,814
Earnings coverage of net charge-offs (x)1.1494%4,887
Efficiency ratio72.2222%3,373
Assets per employee ($millions)4.2198%3,511
Cash dividends to net income (ytd only)*0.0000%4,298
Condition Ratios (%)
Loss allowance to loans2.7890%828
Loan loss allowance to noncurrent loans80.6730%3,889
Noncurrent assets plus other real estate owned to assets4.4457%934
Noncurrent loans to loans3.4572%1,451
Net loans and leases to total assets68.4616%2,107
Net loans and leases to deposits78.9150%2,410
Net loans and leases to core deposits84.1675%2,530
Total domestic deposits to total assets86.7536%2,959
Equity capital to assets9.1216%5,375
Core capital (leverage) ratio8.9143%5,025
Tier 1 risk-based capital ratio15.4557%3,456
Total risk-based capital ratio16.7319%3,395
Memoranda:
Average total assets$157,813,0003,656
Average earning assets$145,581,8003,630
Average equity$12,990,8004,361
Average total loans$108,989,6003,317
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2595%4,610
Cost of funding earning assets0.9160%2,064
Net interest margin3.3435%5,234
Noninterest income to average assets0.3808%4,775
Noninterest expense to average assets2.3798%5,455
Loan and lease loss provision to assets0.5139%1,184
Net operating income to assets0.5588%4,578
Return on assets (ROA)0.5588%4,838
Pretax return on assets0.5588%5,280
Return on Equity (ROE)6.9615%3,842
Retained earnings to average equity (ytd only)6.9615%2,154
Net charge-offs to loans1.3994%646
Credit loss provision to net charge-offs53.4140%4,311
Earnings coverage of net charge-offs (x)1.1150%4,741
Efficiency ratio68.9306%3,887
Assets per employee ($millions)4.1755%3,530
Cash dividends to net income (ytd only)*0.0000%3,713
Condition Ratios (%)
Loss allowance to loans2.8671%832
Loan loss allowance to noncurrent loans85.1965%3,679
Noncurrent assets plus other real estate owned to assets4.5976%1,001
Noncurrent loans to loans3.3653%1,630
Net loans and leases to total assets67.5187%2,363
Net loans and leases to deposits77.1691%2,780
Net loans and leases to core deposits82.3486%2,913
Total domestic deposits to total assets87.4945%2,357
Equity capital to assets8.5661%6,207
Core capital (leverage) ratio8.5104%5,733
Tier 1 risk-based capital ratio14.8546%3,946
Total risk-based capital ratio16.1321%3,888
Memoranda:
Average total assets$160,343,0003,649
Average earning assets$147,305,7503,638
Average equity$12,870,5004,423
Average total loans$110,233,5003,324
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2757%4,663
Cost of funding earning assets0.9379%2,134
Net interest margin3.3378%5,315
Noninterest income to average assets0.4535%4,266
Noninterest expense to average assets2.3390%5,638
Loan and lease loss provision to assets0.6384%903
Net operating income to assets0.5373%4,641
Return on assets (ROA)0.5373%4,917
Pretax return on assets0.5373%5,348
Return on Equity (ROE)6.8396%3,864
Retained earnings to average equity (ytd only)6.8396%2,194
Net charge-offs to loans1.2376%871
Credit loss provision to net charge-offs75.2907%3,449
Earnings coverage of net charge-offs (x)1.3866%4,315
Efficiency ratio66.5498%4,414
Assets per employee ($millions)4.2917%3,270
Cash dividends to net income (ytd only)*0.0000%3,523
Condition Ratios (%)
Loss allowance to loans3.2673%609
Loan loss allowance to noncurrent loans82.1735%3,714
Noncurrent assets plus other real estate owned to assets5.3088%866
Noncurrent loans to loans3.9761%1,390
Net loans and leases to total assets64.2872%2,971
Net loans and leases to deposits73.0511%3,451
Net loans and leases to core deposits78.5931%3,435
Total domestic deposits to total assets88.0032%2,138
Equity capital to assets8.1704%6,479
Core capital (leverage) ratio8.0210%6,251
Tier 1 risk-based capital ratio14.7541%3,930
Total risk-based capital ratio16.0371%3,871
Memoranda:
Average total assets$162,293,3303,625
Average earning assets$148,842,0003,623
Average equity$12,749,3304,446
Average total loans$111,181,3303,307
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3671%4,456
Cost of funding earning assets0.9672%2,180
Net interest margin3.3999%5,122
Noninterest income to average assets0.4682%4,153
Noninterest expense to average assets2.5603%4,957
Loan and lease loss provision to assets0.4170%1,511
Net operating income to assets0.6193%4,263
Return on assets (ROA)0.6193%4,472
Pretax return on assets0.6193%5,050
Return on Equity (ROE)8.0399%3,271
Retained earnings to average equity (ytd only)8.0399%1,971
Net charge-offs to loans2.2771%382
Credit loss provision to net charge-offs26.3482%3,685
Earnings coverage of net charge-offs (x)0.6549%4,005
Efficiency ratio71.1864%3,589
Assets per employee ($millions)4.3826%3,222
Cash dividends to net income (ytd only)*0.0000%2,732
Condition Ratios (%)
Loss allowance to loans2.8269%982
Loan loss allowance to noncurrent loans53.0405%4,894
Noncurrent assets plus other real estate owned to assets5.8709%812
Noncurrent loans to loans5.3298%1,020
Net loans and leases to total assets66.5614%2,370
Net loans and leases to deposits75.9409%2,802
Net loans and leases to core deposits82.5455%2,754
Total domestic deposits to total assets87.6490%2,554
Equity capital to assets7.8714%6,600
Core capital (leverage) ratio7.8408%6,383
Tier 1 risk-based capital ratio13.7790%4,628
Total risk-based capital ratio15.0553%4,588
Memoranda:
Average total assets$164,044,0003,621
Average earning assets$150,947,5003,599
Average equity$12,637,0004,476
Average total loans$114,006,5003,276
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3397%5,634
Cost of funding earning assets1.2418%1,777
Net interest margin3.0979%6,352
Noninterest income to average assets-0.2769%7,192
Noninterest expense to average assets2.5951%5,116
Loan and lease loss provision to assets0.4643%2,284
Net operating income to assets-0.4565%6,456
Return on assets (ROA)-0.4148%6,479
Pretax return on assets-0.4148%6,431
Return on Equity (ROE)-5.9429%6,576
Retained earnings to average equity (ytd only)-5.9429%6,502
Net charge-offs to loans1.9135%748
Credit loss provision to net charge-offs35.1283%5,708
Earnings coverage of net charge-offs (x)0.0059%5,818
Efficiency ratio99.7009%683
Assets per employee ($millions)4.3666%3,130
Cash dividends to net income (ytd only)*0.0000%4,078
Condition Ratios (%)
Loss allowance to loans3.0939%747
Loan loss allowance to noncurrent loans55.0685%4,752
Noncurrent assets plus other real estate owned to assets6.3526%750
Noncurrent loans to loans5.6183%934
Net loans and leases to total assets68.2940%2,336
Net loans and leases to deposits77.5475%2,912
Net loans and leases to core deposits84.8560%2,762
Total domestic deposits to total assets88.0673%2,109
Equity capital to assets7.5393%6,794
Core capital (leverage) ratio7.1731%6,801
Tier 1 risk-based capital ratio12.6393%5,341
Total risk-based capital ratio13.9197%5,307
Memoranda:
Average total assets$179,837,6003,337
Average earning assets$167,178,6003,295
Average equity$12,552,8004,427
Average total loans$124,220,0003,096
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3012%5,949
Cost of funding earning assets1.3026%1,684
Net interest margin2.9985%6,583
Noninterest income to average assets0.1978%6,176
Noninterest expense to average assets3.0992%3,165
Loan and lease loss provision to assets0.4473%2,234
Net operating income to assets-0.5593%6,669
Return on assets (ROA)-0.5593%6,717
Pretax return on assets-0.5593%6,660
Return on Equity (ROE)-8.1610%6,817
Retained earnings to average equity (ytd only)-8.1610%6,770
Net charge-offs to loans2.1157%578
Credit loss provision to net charge-offs30.7500%5,405
Earnings coverage of net charge-offs (x)-0.0770%5,646
Efficiency ratio103.7497%559
Assets per employee ($millions)5.1966%1,936
Cash dividends to net income (ytd only)*0.0000%3,512
Condition Ratios (%)
Loss allowance to loans3.2124%712
Loan loss allowance to noncurrent loans54.4497%4,734
Noncurrent assets plus other real estate owned to assets5.2936%1,074
Noncurrent loans to loans5.8997%953
Net loans and leases to total assets62.5352%3,603
Net loans and leases to deposits70.1253%4,280
Net loans and leases to core deposits77.3566%3,993
Total domestic deposits to total assets89.1764%1,316
Equity capital to assets6.8633%7,076
Core capital (leverage) ratio6.8283%6,999
Tier 1 risk-based capital ratio12.6266%5,392
Total risk-based capital ratio13.9092%5,344
Memoranda:
Average total assets$183,314,2503,302
Average earning assets$170,523,5003,243
Average equity$12,563,5004,437
Average total loans$126,040,2503,079
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3760%5,773
Cost of funding earning assets1.3637%1,581
Net interest margin3.0123%6,584
Noninterest income to average assets0.1730%6,425
Noninterest expense to average assets3.3690%2,345
Loan and lease loss provision to assets0.3776%2,528
Net operating income to assets-0.7781%6,857
Return on assets (ROA)-0.6964%6,821
Pretax return on assets-0.6964%6,764
Return on Equity (ROE)-10.1665%6,944
Retained earnings to average equity (ytd only)-10.1665%6,884
Net charge-offs to loans1.4339%1,049
Credit loss provision to net charge-offs37.5541%4,861
Earnings coverage of net charge-offs (x)-0.3983%5,495
Efficiency ratio113.4897%417
Assets per employee ($millions)4.8601%2,320
Cash dividends to net income (ytd only)*0.0000%3,290
Condition Ratios (%)
Loss allowance to loans3.7559%490
Loan loss allowance to noncurrent loans72.8733%3,815
Noncurrent assets plus other real estate owned to assets6.0737%923
Noncurrent loans to loans5.1541%1,252
Net loans and leases to total assets65.3066%3,183
Net loans and leases to deposits73.6305%3,860
Net loans and leases to core deposits81.8405%3,523
Total domestic deposits to total assets88.6951%1,721
Equity capital to assets6.9980%7,103
Core capital (leverage) ratio6.7814%7,061
Tier 1 risk-based capital ratio12.1625%5,650
Total risk-based capital ratio13.4523%5,597
Memoranda:
Average total assets$183,792,3303,318
Average earning assets$170,566,0003,267
Average equity$12,590,3304,420
Average total loans$128,882,3303,060
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4294%5,587
Cost of funding earning assets1.4063%1,575
Net interest margin3.0231%6,523
Noninterest income to average assets0.2756%5,698
Noninterest expense to average assets3.7421%1,455
Loan and lease loss provision to assets0.3165%2,646
Net operating income to assets-0.9689%7,036
Return on assets (ROA)-0.8612%6,994
Pretax return on assets-0.8612%6,947
Return on Equity (ROE)-12.7050%7,090
Retained earnings to average equity (ytd only)-12.7050%6,964
Net charge-offs to loans0.0907%4,036
Credit loss provision to net charge-offs490.0000%733
Earnings coverage of net charge-offs (x)-10.1000%5,056
Efficiency ratio121.1150%331
Assets per employee ($millions)4.9546%2,231
Cash dividends to net income (ytd only)*0.0000%2,514
Condition Ratios (%)
Loss allowance to loans4.0518%412
Loan loss allowance to noncurrent loans89.1235%3,204
Noncurrent assets plus other real estate owned to assets5.2153%1,200
Noncurrent loans to loans4.5462%1,530
Net loans and leases to total assets66.3733%2,909
Net loans and leases to deposits74.3792%3,703
Net loans and leases to core deposits82.5034%3,380
Total domestic deposits to total assets89.2364%1,628
Equity capital to assets6.7631%7,150
Core capital (leverage) ratio6.8755%7,055
Tier 1 risk-based capital ratio11.7557%5,892
Total risk-based capital ratio13.0503%5,859
Memoranda:
Average total assets$185,776,5003,303
Average earning assets$172,934,0003,258
Average equity$12,593,5004,420
Average total loans$132,313,5003,028
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7746%5,510
Cost of funding earning assets1.7618%1,333
Net interest margin3.0128%6,712
Noninterest income to average assets0.2975%5,664
Noninterest expense to average assets2.1882%6,653
Loan and lease loss provision to assets3.9459%163
Net operating income to assets-3.0158%7,298
Return on assets (ROA)-2.9322%7,302
Pretax return on assets-2.9322%7,278
Return on Equity (ROE)-37.6214%7,321
Retained earnings to average equity (ytd only)-37.6214%7,311
Net charge-offs to loans3.2808%470
Credit loss provision to net charge-offs152.0554%2,362
Earnings coverage of net charge-offs (x)0.3584%5,746
Efficiency ratio70.1736%4,140
Assets per employee ($millions)4.2623%3,276
Cash dividends to net income (ytd only)*0.0000%3,950
Condition Ratios (%)
Loss allowance to loans3.8397%453
Loan loss allowance to noncurrent loans65.9762%4,093
Noncurrent assets plus other real estate owned to assets6.3144%907
Noncurrent loans to loans5.8198%1,093
Net loans and leases to total assets70.5080%2,408
Net loans and leases to deposits79.1832%3,309
Net loans and leases to core deposits87.7799%3,082
Total domestic deposits to total assets89.0441%1,634
Equity capital to assets6.7951%7,177
Core capital (leverage) ratio7.0447%7,006
Tier 1 risk-based capital ratio11.1907%6,185
Total risk-based capital ratio12.4823%6,136
Memoranda:
Average total assets$186,549,4003,277
Average earning assets$174,654,8003,194
Average equity$14,539,6004,025
Average total loans$147,555,2002,815
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8396%5,516
Cost of funding earning assets1.8355%1,280
Net interest margin3.0042%6,822
Noninterest income to average assets0.3039%5,720
Noninterest expense to average assets2.1889%6,634
Loan and lease loss provision to assets4.5578%118
Net operating income to assets-3.6277%7,533
Return on assets (ROA)-3.5167%7,530
Pretax return on assets-3.5167%7,497
Return on Equity (ROE)-43.7499%7,520
Retained earnings to average equity (ytd only)-43.7499%7,517
Net charge-offs to loans3.6080%366
Credit loss provision to net charge-offs156.9084%2,438
Earnings coverage of net charge-offs (x)0.3202%5,709
Efficiency ratio70.1802%4,026
Assets per employee ($millions)4.4948%2,914
Cash dividends to net income (ytd only)*0.0000%3,526
Condition Ratios (%)
Loss allowance to loans3.6081%496
Loan loss allowance to noncurrent loans71.8027%3,718
Noncurrent assets plus other real estate owned to assets5.4335%1,144
Noncurrent loans to loans5.0250%1,369
Net loans and leases to total assets73.7448%1,848
Net loans and leases to deposits83.3640%2,816
Net loans and leases to core deposits87.1848%3,493
Total domestic deposits to total assets88.4612%1,690
Equity capital to assets7.2817%7,238
Core capital (leverage) ratio7.1101%7,105
Tier 1 risk-based capital ratio11.4277%5,992
Total risk-based capital ratio12.7160%5,949
Memoranda:
Average total assets$187,366,7503,312
Average earning assets$175,573,2503,221
Average equity$15,061,0003,976
Average total loans$150,847,2502,794
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8746%5,505
Cost of funding earning assets1.8946%1,260
Net interest margin2.9800%6,869
Noninterest income to average assets0.3455%5,383
Noninterest expense to average assets2.2318%6,565
Loan and lease loss provision to assets2.6436%411
Net operating income to assets-1.7252%7,231
Return on assets (ROA)-1.5609%7,180
Pretax return on assets-1.5609%7,097
Return on Equity (ROE)-18.8582%7,252
Retained earnings to average equity (ytd only)-18.8582%7,227
Net charge-offs to loans2.4691%705
Credit loss provision to net charge-offs130.9338%3,077
Earnings coverage of net charge-offs (x)0.4549%5,258
Efficiency ratio70.8459%4,012
Assets per employee ($millions)4.8076%2,438
Cash dividends to net income (ytd only)*0.0000%3,319
Condition Ratios (%)
Loss allowance to loans2.1754%1,812
Loan loss allowance to noncurrent loans41.0488%5,598
Noncurrent assets plus other real estate owned to assets4.8726%1,332
Noncurrent loans to loans5.2995%1,269
Net loans and leases to total assets77.5394%1,187
Net loans and leases to deposits88.9008%2,016
Net loans and leases to core deposits94.3850%2,656
Total domestic deposits to total assets87.2201%2,424
Equity capital to assets8.5969%6,021
Core capital (leverage) ratio8.5022%5,406
Tier 1 risk-based capital ratio13.1198%4,347
Total risk-based capital ratio14.3869%4,291
Memoranda:
Average total assets$189,891,3303,305
Average earning assets$178,722,0003,206
Average equity$15,717,3303,852
Average total loans$155,279,3302,757
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9864%5,078
Cost of funding earning assets1.9470%1,254
Net interest margin3.0393%6,741
Noninterest income to average assets0.3349%5,462
Noninterest expense to average assets2.2482%6,552
Loan and lease loss provision to assets1.7960%631
Net operating income to assets-0.8436%7,029
Return on assets (ROA)-0.8436%7,059
Pretax return on assets-0.8436%6,974
Return on Equity (ROE)-10.3889%7,153
Retained earnings to average equity (ytd only)-10.3889%6,987
Net charge-offs to loans1.9873%863
Credit loss provision to net charge-offs108.8832%3,158
Earnings coverage of net charge-offs (x)0.5774%4,512
Efficiency ratio70.2420%4,257
Assets per employee ($millions)5.0836%2,121
Cash dividends to net income (ytd only)*0.0000%2,528
Condition Ratios (%)
Loss allowance to loans1.7107%3,024
Loan loss allowance to noncurrent loans67.5642%3,981
Noncurrent assets plus other real estate owned to assets2.2368%3,227
Noncurrent loans to loans2.5319%3,137
Net loans and leases to total assets80.6046%758
Net loans and leases to deposits91.8409%1,633
Net loans and leases to core deposits99.5353%2,180
Total domestic deposits to total assets87.7655%2,201
Equity capital to assets7.9570%6,704
Core capital (leverage) ratio7.9744%6,271
Tier 1 risk-based capital ratio11.8013%5,393
Total risk-based capital ratio13.0620%5,326
Memoranda:
Average total assets$191,088,5003,352
Average earning assets$180,171,5003,250
Average equity$15,516,5003,915
Average total loans$158,610,5002,773
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4720%4,315
Cost of funding earning assets2.0907%2,513
Net interest margin3.3813%5,441
Noninterest income to average assets0.3878%5,315
Noninterest expense to average assets2.2402%6,895
Loan and lease loss provision to assets1.0817%2,111
Net operating income to assets0.2693%4,649
Return on assets (ROA)0.2808%4,698
Pretax return on assets0.2808%4,815
Return on Equity (ROE)3.2504%4,395
Retained earnings to average equity (ytd only)-3.3202%5,756
Net charge-offs to loans0.7999%2,827
Credit loss provision to net charge-offs152.6316%3,003
Earnings coverage of net charge-offs (x)1.9063%4,293
Efficiency ratio62.3797%6,082
Assets per employee ($millions)4.7251%2,577
Cash dividends to net income (ytd only)*202.1484%193
Condition Ratios (%)
Loss allowance to loans1.6624%3,037
Loan loss allowance to noncurrent loans77.5786%3,541
Noncurrent assets plus other real estate owned to assets1.8936%3,540
Noncurrent loans to loans2.1429%3,468
Net loans and leases to total assets82.6251%590
Net loans and leases to deposits94.6850%1,505
Net loans and leases to core deposits134.0938%1,047
Total domestic deposits to total assets87.2631%2,349
Equity capital to assets8.2867%6,215
Core capital (leverage) ratio8.3670%5,508
Tier 1 risk-based capital ratio11.4219%5,482
Total risk-based capital ratio12.6803%5,433
Memoranda:
Average total assets$182,304,4003,403
Average earning assets$172,715,4003,311
Average equity$15,752,0003,909
Average total loans$161,522,0002,736
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5474%4,173
Cost of funding earning assets2.0883%2,939
Net interest margin3.4592%5,036
Noninterest income to average assets0.4030%5,256
Noninterest expense to average assets2.2823%6,749
Loan and lease loss provision to assets0.7219%2,572
Net operating income to assets0.6843%3,264
Return on assets (ROA)0.6998%3,268
Pretax return on assets0.6998%3,860
Return on Equity (ROE)8.0127%2,624
Retained earnings to average equity (ytd only)0.1521%5,140
Net charge-offs to loans0.4168%3,597
Credit loss provision to net charge-offs192.8994%2,344
Earnings coverage of net charge-offs (x)3.7574%3,395
Efficiency ratio61.8771%6,139
Assets per employee ($millions)4.5283%2,821
Cash dividends to net income (ytd only)*98.1012%596
Condition Ratios (%)
Loss allowance to loans1.5048%3,409
Loan loss allowance to noncurrent loans307.7215%989
Noncurrent assets plus other real estate owned to assets0.5333%6,128
Noncurrent loans to loans0.4890%6,338
Net loans and leases to total assets87.8480%215
Net loans and leases to deposits101.4039%976
Net loans and leases to core deposits143.4823%779
Total domestic deposits to total assets86.6317%2,361
Equity capital to assets8.6987%5,952
Core capital (leverage) ratio8.6552%5,214
Tier 1 risk-based capital ratio11.6718%5,270
Total risk-based capital ratio12.9286%5,212
Memoranda:
Average total assets$180,630,0003,457
Average earning assets$171,558,2503,352
Average equity$15,774,5003,955
Average total loans$162,201,7502,755
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5245%4,482
Cost of funding earning assets2.0504%3,515
Net interest margin3.4741%4,921
Noninterest income to average assets0.4012%5,272
Noninterest expense to average assets2.2919%6,776
Loan and lease loss provision to assets0.4477%3,294
Net operating income to assets0.9609%2,242
Return on assets (ROA)0.9841%2,265
Pretax return on assets0.9841%3,070
Return on Equity (ROE)11.2543%1,632
Retained earnings to average equity (ytd only)2.2686%4,074
Net charge-offs to loans0.1859%4,405
Credit loss provision to net charge-offs267.5497%1,743
Earnings coverage of net charge-offs (x)8.4172%2,264
Efficiency ratio61.9347%6,256
Assets per employee ($millions)4.5125%2,755
Cash dividends to net income (ytd only)*79.8423%1,081
Condition Ratios (%)
Loss allowance to loans1.3473%3,995
Loan loss allowance to noncurrent loans242.1225%1,272
Noncurrent assets plus other real estate owned to assets0.7861%5,434
Noncurrent loans to loans0.5564%6,153
Net loans and leases to total assets89.7762%147
Net loans and leases to deposits108.2862%637
Net loans and leases to core deposits145.7222%773
Total domestic deposits to total assets82.9064%4,290
Equity capital to assets8.7440%5,695
Core capital (leverage) ratio8.6237%5,222
Tier 1 risk-based capital ratio11.7110%5,186
Total risk-based capital ratio12.9658%5,111
Memoranda:
Average total assets$180,463,3303,476
Average earning assets$171,382,6703,372
Average equity$15,780,6703,963
Average total loans$162,419,0002,773
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4533%5,165
Cost of funding earning assets1.9866%4,199
Net interest margin3.4667%4,863
Noninterest income to average assets0.3768%5,414
Noninterest expense to average assets2.1325%7,049
Loan and lease loss provision to assets0.2328%4,125
Net operating income to assets1.3034%1,375
Return on assets (ROA)1.3456%1,366
Pretax return on assets1.3456%2,133
Return on Equity (ROE)15.3871%905
Retained earnings to average equity (ytd only)2.9912%4,211
Net charge-offs to loans0.0743%4,442
Credit loss provision to net charge-offs350.0000%1,433
Earnings coverage of net charge-offs (x)23.1000%1,289
Efficiency ratio58.1269%6,685
Assets per employee ($millions)4.3430%2,991
Cash dividends to net income (ytd only)*80.5601%1,050
Condition Ratios (%)
Loss allowance to loans1.2429%4,504
Loan loss allowance to noncurrent loans222.6477%1,499
Noncurrent assets plus other real estate owned to assets0.7779%5,225
Noncurrent loans to loans0.5582%6,020
Net loans and leases to total assets88.6450%220
Net loans and leases to deposits112.7976%486
Net loans and leases to core deposits148.5867%756
Total domestic deposits to total assets78.5876%5,847
Equity capital to assets8.6928%5,777
Core capital (leverage) ratio8.7314%5,092
Tier 1 risk-based capital ratio11.7638%5,156
Total risk-based capital ratio13.0172%5,074
Memoranda:
Average total assets$180,445,0003,500
Average earning assets$171,346,5003,401
Average equity$15,779,5003,989
Average total loans$161,499,0002,823
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.0723%5,191
Cost of funding earning assets2.6547%3,395
Net interest margin3.4176%5,588
Noninterest income to average assets0.4137%5,361
Noninterest expense to average assets2.3058%6,685
Loan and lease loss provision to assets0.4953%2,835
Net operating income to assets0.8739%3,114
Return on assets (ROA)0.8739%2,966
Pretax return on assets0.8739%3,816
Return on Equity (ROE)9.7851%2,334
Retained earnings to average equity (ytd only)1.5633%4,281
Net charge-offs to loans0.1354%4,869
Credit loss provision to net charge-offs439.7959%995
Earnings coverage of net charge-offs (x)12.1582%2,283
Efficiency ratio62.7423%5,824
Assets per employee ($millions)4.2497%3,035
Cash dividends to net income (ytd only)*84.0237%1,525
Condition Ratios (%)
Loss allowance to loans1.2306%4,307
Loan loss allowance to noncurrent loans166.1017%2,270
Noncurrent assets plus other real estate owned to assets0.8466%4,732
Noncurrent loans to loans0.7409%5,179
Net loans and leases to total assets88.1363%352
Net loans and leases to deposits109.9639%836
Net loans and leases to core deposits141.9890%1,160
Total domestic deposits to total assets80.1503%4,961
Equity capital to assets8.7979%5,655
Core capital (leverage) ratio8.6815%5,230
Tier 1 risk-based capital ratio11.9157%4,895
Total risk-based capital ratio13.1689%4,784
Memoranda:
Average total assets$174,043,0003,492
Average earning assets$166,082,2003,385
Average equity$15,544,0004,015
Average total loans$144,745,2003,012