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Anchor Bank, Performance and Condition Ratios

2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8630%3,787
Cost of funding earning assets0.1973%5,000
Net interest margin3.6657%2,886
Noninterest income to average assets0.8312%1,474
Noninterest expense to average assets2.7000%3,064
Loan and lease loss provision to assets0.1175%1,844
Net operating income to assets0.9905%2,595
Return on assets (ROA)0.9921%2,640
Pretax return on assets1.4188%2,067
Return on Equity (ROE)10.0011%2,132
Retained earnings to average equity (ytd only)5.0657%2,845
Net charge-offs to loans0.1966%1,083
Credit loss provision to net charge-offs78.3972%2,608
Earnings coverage of net charge-offs (x)10.2339%2,617
Efficiency ratio63.0711%3,698
Assets per employee ($millions)6.4962%1,181
Cash dividends to net income (ytd only)*49.3486%1,803
Condition Ratios (%)
Loss allowance to loans1.1913%2,978
Loan loss allowance to noncurrent loans151.0386%2,771
Noncurrent assets plus other real estate owned to assets0.6723%2,481
Noncurrent loans to loans0.7888%2,388
Net loans and leases to total assets77.5085%1,345
Net loans and leases to deposits88.9455%1,933
Net loans and leases to core deposits91.6062%2,481
Total domestic deposits to total assets87.1415%1,801
Equity capital to assets9.9316%3,990
Core capital (leverage) ratio9.4995%4,170
Tier 1 risk-based capital ratio10.1957%5,549
Total risk-based capital ratio11.8545%5,347
Memoranda:
Average total assets$2,042,392,250401
Average earning assets$1,895,919,750396
Average equity$202,612,750436
Average total loans$1,557,407,250383
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8048%3,875
Cost of funding earning assets0.1927%5,047
Net interest margin3.6121%2,992
Noninterest income to average assets0.8319%1,460
Noninterest expense to average assets2.7488%2,933
Loan and lease loss provision to assets0.1183%1,735
Net operating income to assets0.9719%2,560
Return on assets (ROA)0.9722%2,604
Pretax return on assets1.3183%2,317
Return on Equity (ROE)9.8042%2,121
Retained earnings to average equity (ytd only)4.8320%2,823
Net charge-offs to loans0.2943%693
Credit loss provision to net charge-offs53.2623%2,527
Earnings coverage of net charge-offs (x)6.4643%2,710
Efficiency ratio64.9677%3,504
Assets per employee ($millions)6.4212%1,196
Cash dividends to net income (ytd only)*50.7151%1,830
Condition Ratios (%)
Loss allowance to loans1.1991%3,023
Loan loss allowance to noncurrent loans292.4004%1,615
Noncurrent assets plus other real estate owned to assets0.3779%3,601
Noncurrent loans to loans0.4101%3,554
Net loans and leases to total assets75.9103%1,554
Net loans and leases to deposits90.3082%1,687
Net loans and leases to core deposits92.7808%2,272
Total domestic deposits to total assets84.0569%3,174
Equity capital to assets9.9461%3,977
Core capital (leverage) ratio9.5426%4,079
Tier 1 risk-based capital ratio10.4950%5,459
Total risk-based capital ratio12.1975%5,179
Memoranda:
Average total assets$2,028,101,330405
Average earning assets$1,882,672,330399
Average equity$201,117,000437
Average total loans$1,531,295,000389
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7615%3,897
Cost of funding earning assets0.1787%5,165
Net interest margin3.5827%2,951
Noninterest income to average assets0.7433%1,769
Noninterest expense to average assets2.9433%2,321
Loan and lease loss provision to assets0.1191%1,605
Net operating income to assets0.9064%2,728
Return on assets (ROA)0.9055%2,789
Pretax return on assets1.0070%3,345
Return on Equity (ROE)9.1453%2,343
Retained earnings to average equity (ytd only)4.1325%3,395
Net charge-offs to loans0.6047%297
Credit loss provision to net charge-offs26.3273%2,136
Earnings coverage of net charge-offs (x)2.4910%2,584
Efficiency ratio71.5735%2,653
Assets per employee ($millions)6.2103%1,363
Cash dividends to net income (ytd only)*54.8125%1,557
Condition Ratios (%)
Loss allowance to loans1.2172%3,031
Loan loss allowance to noncurrent loans272.4215%1,746
Noncurrent assets plus other real estate owned to assets0.4217%3,496
Noncurrent loans to loans0.4468%3,494
Net loans and leases to total assets74.0546%1,725
Net loans and leases to deposits84.5890%2,214
Net loans and leases to core deposits86.3888%2,683
Total domestic deposits to total assets87.5464%1,964
Equity capital to assets10.0155%3,738
Core capital (leverage) ratio9.4604%4,161
Tier 1 risk-based capital ratio10.8950%5,364
Total risk-based capital ratio12.6526%4,986
Memoranda:
Average total assets$2,014,762,000411
Average earning assets$1,870,965,500403
Average equity$199,490,000442
Average total loans$1,507,583,000394
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8249%3,818
Cost of funding earning assets0.1968%5,044
Net interest margin3.6281%2,970
Noninterest income to average assets0.9015%1,409
Noninterest expense to average assets2.6312%3,582
Loan and lease loss provision to assets0.1931%1,206
Net operating income to assets0.9365%2,645
Return on assets (ROA)0.9384%2,749
Pretax return on assets1.4443%1,769
Return on Equity (ROE)9.5543%2,165
Retained earnings to average equity (ytd only)4.4145%2,774
Net charge-offs to loans0.0161%3,763
Credit loss provision to net charge-offs1,627.6596%269
Earnings coverage of net charge-offs (x)137.7830%455
Efficiency ratio60.8798%4,439
Assets per employee ($millions)6.6566%1,072
Cash dividends to net income (ytd only)*53.7953%2,093
Condition Ratios (%)
Loss allowance to loans1.3222%2,419
Loan loss allowance to noncurrent loans247.2226%1,915
Noncurrent assets plus other real estate owned to assets0.5472%3,096
Noncurrent loans to loans0.5348%3,249
Net loans and leases to total assets73.7003%1,898
Net loans and leases to deposits84.4743%2,363
Net loans and leases to core deposits86.0223%2,848
Total domestic deposits to total assets87.2459%2,003
Equity capital to assets9.7883%3,953
Core capital (leverage) ratio9.3215%4,326
Tier 1 risk-based capital ratio10.7314%5,473
Total risk-based capital ratio12.5730%5,061
Memoranda:
Average total assets$1,980,954,400397
Average earning assets$1,836,880,200391
Average equity$194,561,200438
Average total loans$1,462,799,200380
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7905%3,948
Cost of funding earning assets0.1994%5,077
Net interest margin3.5911%3,108
Noninterest income to average assets0.9098%1,378
Noninterest expense to average assets2.5868%3,712
Loan and lease loss provision to assets0.1659%1,375
Net operating income to assets0.9644%2,593
Return on assets (ROA)0.9646%2,728
Pretax return on assets1.4877%1,745
Return on Equity (ROE)9.8131%2,135
Retained earnings to average equity (ytd only)4.6501%3,056
Net charge-offs to loans0.0279%3,107
Credit loss provision to net charge-offs806.5789%498
Earnings coverage of net charge-offs (x)80.3691%783
Efficiency ratio60.1957%4,513
Assets per employee ($millions)6.7774%971
Cash dividends to net income (ytd only)*52.6131%1,758
Condition Ratios (%)
Loss allowance to loans1.2228%3,107
Loan loss allowance to noncurrent loans273.2243%1,756
Noncurrent assets plus other real estate owned to assets0.5039%3,432
Noncurrent loans to loans0.4476%3,675
Net loans and leases to total assets74.4061%1,806
Net loans and leases to deposits88.3773%1,966
Net loans and leases to core deposits89.8799%2,589
Total domestic deposits to total assets84.1915%3,147
Equity capital to assets9.8334%4,320
Core capital (leverage) ratio9.3752%4,365
Tier 1 risk-based capital ratio10.6682%5,539
Total risk-based capital ratio12.4328%5,175
Memoranda:
Average total assets$1,970,294,750398
Average earning assets$1,827,220,750392
Average equity$193,682,500444
Average total loans$1,450,654,750385
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7671%4,066
Cost of funding earning assets0.1994%5,153
Net interest margin3.5677%3,224
Noninterest income to average assets0.9785%1,178
Noninterest expense to average assets2.6288%3,619
Loan and lease loss provision to assets0.1672%1,337
Net operating income to assets0.9692%2,529
Return on assets (ROA)0.9687%2,674
Pretax return on assets1.4912%1,693
Return on Equity (ROE)9.8551%2,113
Retained earnings to average equity (ytd only)4.6540%2,945
Net charge-offs to loans0.0295%2,885
Credit loss provision to net charge-offs774.8815%465
Earnings coverage of net charge-offs (x)76.9100%725
Efficiency ratio60.4974%4,578
Assets per employee ($millions)6.4968%1,088
Cash dividends to net income (ytd only)*52.7760%1,841
Condition Ratios (%)
Loss allowance to loans1.2137%3,282
Loan loss allowance to noncurrent loans199.6079%2,291
Noncurrent assets plus other real estate owned to assets0.7111%2,846
Noncurrent loans to loans0.6080%3,243
Net loans and leases to total assets73.1867%1,986
Net loans and leases to deposits89.7200%1,784
Net loans and leases to core deposits91.2560%2,410
Total domestic deposits to total assets81.5723%4,122
Equity capital to assets9.8711%4,367
Core capital (leverage) ratio9.4890%4,225
Tier 1 risk-based capital ratio10.9097%5,470
Total risk-based capital ratio12.6924%5,084
Memoranda:
Average total assets$1,956,100,670401
Average earning assets$1,814,557,000395
Average equity$192,265,000446
Average total loans$1,428,791,330389
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7816%4,011
Cost of funding earning assets0.1968%5,234
Net interest margin3.5848%3,146
Noninterest income to average assets0.7150%1,960
Noninterest expense to average assets2.6877%3,457
Loan and lease loss provision to assets0.1682%1,229
Net operating income to assets0.7928%3,282
Return on assets (ROA)0.7920%3,389
Pretax return on assets1.1872%2,751
Return on Equity (ROE)8.0756%2,869
Retained earnings to average equity (ytd only)2.8290%4,098
Net charge-offs to loans0.0732%1,748
Credit loss provision to net charge-offs316.6667%818
Earnings coverage of net charge-offs (x)25.5465%1,292
Efficiency ratio65.5911%3,863
Assets per employee ($millions)6.2081%1,267
Cash dividends to net income (ytd only)*64.9688%1,312
Condition Ratios (%)
Loss allowance to loans1.2036%3,455
Loan loss allowance to noncurrent loans225.3956%2,046
Noncurrent assets plus other real estate owned to assets0.6759%3,029
Noncurrent loans to loans0.5340%3,588
Net loans and leases to total assets72.3034%1,987
Net loans and leases to deposits82.9105%2,440
Net loans and leases to core deposits84.2906%2,908
Total domestic deposits to total assets87.2065%2,096
Equity capital to assets9.9655%4,120
Core capital (leverage) ratio9.4128%4,333
Tier 1 risk-based capital ratio11.1430%5,427
Total risk-based capital ratio12.9406%5,027
Memoranda:
Average total assets$1,943,396,000399
Average earning assets$1,804,867,500395
Average equity$190,599,000447
Average total loans$1,409,178,000391
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9251%3,618
Cost of funding earning assets0.1820%5,430
Net interest margin3.7431%2,586
Noninterest income to average assets0.8432%1,628
Noninterest expense to average assets2.9702%2,638
Loan and lease loss provision to assets0.1488%1,581
Net operating income to assets0.7993%3,345
Return on assets (ROA)0.8067%3,391
Pretax return on assets1.2271%2,559
Return on Equity (ROE)8.6133%2,668
Retained earnings to average equity (ytd only)2.5748%4,238
Net charge-offs to loans-0.0398%5,492
Credit loss provision to net charge-offs-516.0784%5,447
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio67.8838%3,590
Assets per employee ($millions)6.3096%1,195
Cash dividends to net income (ytd only)*70.1066%1,244
Condition Ratios (%)
Loss allowance to loans1.1627%3,690
Loan loss allowance to noncurrent loans222.9733%2,086
Noncurrent assets plus other real estate owned to assets0.7036%2,940
Noncurrent loans to loans0.5214%3,606
Net loans and leases to total assets71.0155%2,197
Net loans and leases to deposits81.5273%2,652
Net loans and leases to core deposits82.8642%3,062
Total domestic deposits to total assets87.1065%2,072
Equity capital to assets9.6526%4,366
Core capital (leverage) ratio9.2088%4,602
Tier 1 risk-based capital ratio11.1327%5,451
Total risk-based capital ratio12.9005%5,074
Memoranda:
Average total assets$1,768,260,200411
Average earning assets$1,649,498,600408
Average equity$165,605,000479
Average total loans$1,281,946,800392
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9335%3,616
Cost of funding earning assets0.1745%5,594
Net interest margin3.7590%2,529
Noninterest income to average assets0.8861%1,493
Noninterest expense to average assets3.0601%2,333
Loan and lease loss provision to assets0.1373%1,627
Net operating income to assets0.7917%3,469
Return on assets (ROA)0.8018%3,518
Pretax return on assets1.2127%2,769
Return on Equity (ROE)8.6368%2,766
Retained earnings to average equity (ytd only)2.3734%4,693
Net charge-offs to loans-0.0640%5,631
Credit loss provision to net charge-offs-295.1667%5,262
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio69.0952%3,354
Assets per employee ($millions)6.2730%1,191
Cash dividends to net income (ytd only)*72.5198%941
Condition Ratios (%)
Loss allowance to loans1.0980%4,238
Loan loss allowance to noncurrent loans209.8039%2,165
Noncurrent assets plus other real estate owned to assets0.6724%3,239
Noncurrent loans to loans0.5233%3,776
Net loans and leases to total assets72.1302%2,042
Net loans and leases to deposits81.7965%2,663
Net loans and leases to core deposits83.1115%3,143
Total domestic deposits to total assets88.1825%1,463
Equity capital to assets9.5701%4,669
Core capital (leverage) ratio9.0322%4,958
Tier 1 risk-based capital ratio10.7097%5,797
Total risk-based capital ratio11.6819%5,842
Memoranda:
Average total assets$1,719,755,500428
Average earning assets$1,605,297,250417
Average equity$159,653,500492
Average total loans$1,249,954,500403
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9225%3,606
Cost of funding earning assets0.1717%5,680
Net interest margin3.7508%2,513
Noninterest income to average assets0.7965%1,794
Noninterest expense to average assets3.2830%1,752
Loan and lease loss provision to assets0.1093%2,006
Net operating income to assets0.6228%4,249
Return on assets (ROA)0.6393%4,289
Pretax return on assets0.9251%3,865
Return on Equity (ROE)6.9717%3,628
Retained earnings to average equity (ytd only)0.3333%5,407
Net charge-offs to loans-0.0978%5,778
Credit loss provision to net charge-offs-154.0309%4,980
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio76.1230%2,332
Assets per employee ($millions)5.8607%1,456
Cash dividends to net income (ytd only)*95.2200%600
Condition Ratios (%)
Loss allowance to loans1.0325%4,699
Loan loss allowance to noncurrent loans174.0960%2,488
Noncurrent assets plus other real estate owned to assets0.7265%3,201
Noncurrent loans to loans0.5930%3,683
Net loans and leases to total assets74.1394%1,638
Net loans and leases to deposits83.6497%2,354
Net loans and leases to core deposits85.0125%2,880
Total domestic deposits to total assets88.6308%1,341
Equity capital to assets9.1088%5,141
Core capital (leverage) ratio8.8735%5,126
Tier 1 risk-based capital ratio9.8941%6,119
Total risk-based capital ratio10.8101%6,168
Memoranda:
Average total assets$1,642,701,330444
Average earning assets$1,531,520,670429
Average equity$150,636,670510
Average total loans$1,192,331,330422
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7554%4,181
Cost of funding earning assets0.1563%5,876
Net interest margin3.5992%3,010
Noninterest income to average assets0.8716%1,492
Noninterest expense to average assets2.9181%2,838
Loan and lease loss provision to assets0.0976%2,071
Net operating income to assets0.8126%3,201
Return on assets (ROA)0.8496%3,129
Pretax return on assets1.2688%2,391
Return on Equity (ROE)9.2266%2,347
Retained earnings to average equity (ytd only)2.0430%4,653
Net charge-offs to loans-0.1570%5,993
Credit loss provision to net charge-offs-87.4408%4,470
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio68.9983%3,661
Assets per employee ($millions)5.5874%1,722
Cash dividends to net income (ytd only)*77.8574%1,013
Condition Ratios (%)
Loss allowance to loans1.2891%3,461
Loan loss allowance to noncurrent loans326.8622%1,456
Noncurrent assets plus other real estate owned to assets0.6176%3,633
Noncurrent loans to loans0.3944%4,410
Net loans and leases to total assets69.4728%2,206
Net loans and leases to deposits79.1170%2,669
Net loans and leases to core deposits80.2615%3,126
Total domestic deposits to total assets87.8102%1,924
Equity capital to assets9.0178%5,267
Core capital (leverage) ratio9.3180%4,540
Tier 1 risk-based capital ratio11.1417%5,744
Total risk-based capital ratio12.2708%5,733
Memoranda:
Average total assets$1,511,686,500473
Average earning assets$1,410,221,500461
Average equity$139,206,000544
Average total loans$1,075,053,000453
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0396%3,563
Cost of funding earning assets0.1696%5,982
Net interest margin3.8700%2,360
Noninterest income to average assets1.1659%889
Noninterest expense to average assets2.9176%3,089
Loan and lease loss provision to assets0.0415%3,750
Net operating income to assets1.1684%1,678
Return on assets (ROA)1.1718%1,743
Pretax return on assets1.7906%806
Return on Equity (ROE)12.4724%1,270
Retained earnings to average equity (ytd only)5.1097%2,518
Net charge-offs to loans0.1020%3,048
Credit loss provision to net charge-offs55.9701%3,356
Earnings coverage of net charge-offs (x)24.6362%1,523
Efficiency ratio61.4942%4,992
Assets per employee ($millions)5.3856%1,874
Cash dividends to net income (ytd only)*59.0319%1,793
Condition Ratios (%)
Loss allowance to loans1.2491%3,725
Loan loss allowance to noncurrent loans329.3811%1,503
Noncurrent assets plus other real estate owned to assets0.6252%3,712
Noncurrent loans to loans0.3792%4,503
Net loans and leases to total assets70.9901%2,079
Net loans and leases to deposits81.2795%2,568
Net loans and leases to core deposits82.4353%3,057
Total domestic deposits to total assets87.3407%2,106
Equity capital to assets9.4088%4,827
Core capital (leverage) ratio9.4253%4,345
Tier 1 risk-based capital ratio11.6568%5,572
Total risk-based capital ratio12.7774%5,566
Memoranda:
Average total assets$1,445,626,400486
Average earning assets$1,336,769,800477
Average equity$135,820,000532
Average total loans$1,050,682,400440
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0687%3,489
Cost of funding earning assets0.1725%6,048
Net interest margin3.8962%2,259
Noninterest income to average assets1.2911%731
Noninterest expense to average assets2.8873%3,170
Loan and lease loss provision to assets0.0556%3,258
Net operating income to assets1.2616%1,493
Return on assets (ROA)1.2662%1,533
Pretax return on assets1.9532%637
Return on Equity (ROE)13.4816%1,100
Retained earnings to average equity (ytd only)6.0779%2,361
Net charge-offs to loans0.0688%3,215
Credit loss provision to net charge-offs110.9057%2,029
Earnings coverage of net charge-offs (x)39.9110%1,133
Efficiency ratio59.0557%5,305
Assets per employee ($millions)5.4317%1,788
Cash dividends to net income (ytd only)*54.9169%1,607
Condition Ratios (%)
Loss allowance to loans1.2881%3,705
Loan loss allowance to noncurrent loans225.0490%1,970
Noncurrent assets plus other real estate owned to assets0.7997%3,418
Noncurrent loans to loans0.5724%4,201
Net loans and leases to total assets73.0974%1,665
Net loans and leases to deposits82.8140%2,319
Net loans and leases to core deposits84.1147%2,868
Total domestic deposits to total assets88.2670%1,625
Equity capital to assets9.5735%4,705
Core capital (leverage) ratio9.5319%4,328
Tier 1 risk-based capital ratio11.5966%5,742
Total risk-based capital ratio12.7627%5,712
Memoranda:
Average total assets$1,438,117,000484
Average earning assets$1,328,067,500475
Average equity$135,064,250535
Average total loans$1,048,146,250439
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0667%3,480
Cost of funding earning assets0.1744%6,112
Net interest margin3.8923%2,202
Noninterest income to average assets1.4193%599
Noninterest expense to average assets2.8629%3,298
Loan and lease loss provision to assets0.0836%2,632
Net operating income to assets1.3027%1,301
Return on assets (ROA)1.3092%1,334
Pretax return on assets2.0705%467
Return on Equity (ROE)14.0306%948
Retained earnings to average equity (ytd only)6.5667%1,998
Net charge-offs to loans0.0819%2,872
Credit loss provision to net charge-offs140.8451%1,520
Earnings coverage of net charge-offs (x)36.1338%1,133
Efficiency ratio57.1786%5,642
Assets per employee ($millions)5.2550%1,910
Cash dividends to net income (ytd only)*53.1971%1,793
Condition Ratios (%)
Loss allowance to loans1.3119%3,792
Loan loss allowance to noncurrent loans221.7135%1,960
Noncurrent assets plus other real estate owned to assets0.8442%3,443
Noncurrent loans to loans0.5917%4,250
Net loans and leases to total assets72.6035%1,632
Net loans and leases to deposits83.8267%2,051
Net loans and leases to core deposits85.1684%2,591
Total domestic deposits to total assets86.6114%2,690
Equity capital to assets9.4989%4,751
Core capital (leverage) ratio9.6199%4,148
Tier 1 risk-based capital ratio11.4654%5,819
Total risk-based capital ratio12.6431%5,808
Memoranda:
Average total assets$1,435,879,670479
Average earning assets$1,323,489,330473
Average equity$133,979,000540
Average total loans$1,040,890,000439
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0650%3,421
Cost of funding earning assets0.1747%6,201
Net interest margin3.8903%2,118
Noninterest income to average assets1.7985%398
Noninterest expense to average assets2.8940%3,239
Loan and lease loss provision to assets0.0000%3,817
Net operating income to assets1.5576%721
Return on assets (ROA)1.5703%736
Pretax return on assets2.5151%218
Return on Equity (ROE)16.9826%537
Retained earnings to average equity (ytd only)9.4402%1,127
Net charge-offs to loans0.0116%3,387
Credit loss provision to net charge-offs0.0000%2,688
Earnings coverage of net charge-offs (x)298.1667%161
Efficiency ratio53.6984%6,036
Assets per employee ($millions)5.5223%1,687
Cash dividends to net income (ytd only)*44.4129%1,853
Condition Ratios (%)
Loss allowance to loans1.3231%3,993
Loan loss allowance to noncurrent loans140.2109%2,795
Noncurrent assets plus other real estate owned to assets1.1115%3,034
Noncurrent loans to loans0.9436%3,530
Net loans and leases to total assets71.1270%1,709
Net loans and leases to deposits80.5773%2,218
Net loans and leases to core deposits81.7666%2,760
Total domestic deposits to total assets88.2717%2,072
Equity capital to assets9.3657%4,676
Core capital (leverage) ratio9.5528%4,206
Tier 1 risk-based capital ratio11.6171%5,850
Total risk-based capital ratio12.8040%5,836
Memoranda:
Average total assets$1,433,882,500479
Average earning assets$1,323,503,500470
Average equity$132,582,500546
Average total loans$1,031,687,000443
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0143%4,040
Cost of funding earning assets0.2259%6,139
Net interest margin3.7884%2,694
Noninterest income to average assets1.2202%945
Noninterest expense to average assets2.9628%3,152
Loan and lease loss provision to assets0.0426%4,267
Net operating income to assets1.0988%1,941
Return on assets (ROA)1.1006%2,000
Pretax return on assets1.7026%945
Return on Equity (ROE)12.1229%1,380
Retained earnings to average equity (ytd only)7.0394%1,421
Net charge-offs to loans0.1895%2,944
Credit loss provision to net charge-offs32.2061%4,207
Earnings coverage of net charge-offs (x)13.1734%2,053
Efficiency ratio62.9678%5,064
Assets per employee ($millions)5.4865%1,665
Cash dividends to net income (ytd only)*41.9328%2,713
Condition Ratios (%)
Loss allowance to loans1.3344%3,958
Loan loss allowance to noncurrent loans141.0960%2,799
Noncurrent assets plus other real estate owned to assets1.1435%3,111
Noncurrent loans to loans0.9457%3,626
Net loans and leases to total assets70.8618%1,865
Net loans and leases to deposits80.3610%2,409
Net loans and leases to core deposits81.6182%2,942
Total domestic deposits to total assets88.1794%2,070
Equity capital to assets9.1268%4,894
Core capital (leverage) ratio9.2327%4,667
Tier 1 risk-based capital ratio11.3143%6,018
Total risk-based capital ratio12.5006%5,993
Memoranda:
Average total assets$1,408,472,200478
Average earning assets$1,295,706,000473
Average equity$127,865,200556
Average total loans$983,323,600435
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9844%4,194
Cost of funding earning assets0.2376%6,172
Net interest margin3.7468%2,860
Noninterest income to average assets1.3020%875
Noninterest expense to average assets2.8825%3,364
Loan and lease loss provision to assets0.0570%3,911
Net operating income to assets1.1618%1,766
Return on assets (ROA)1.1633%1,833
Pretax return on assets1.8071%888
Return on Equity (ROE)12.8320%1,279
Retained earnings to average equity (ytd only)8.1136%1,365
Net charge-offs to loans0.2340%2,401
Credit loss provision to net charge-offs35.1700%3,800
Earnings coverage of net charge-offs (x)11.4795%2,241
Efficiency ratio60.7590%5,313
Assets per employee ($millions)5.4506%1,675
Cash dividends to net income (ytd only)*36.7707%2,403
Condition Ratios (%)
Loss allowance to loans1.3633%4,064
Loan loss allowance to noncurrent loans119.1723%3,040
Noncurrent assets plus other real estate owned to assets1.2455%3,149
Noncurrent loans to loans1.1440%3,518
Net loans and leases to total assets69.7894%2,002
Net loans and leases to deposits80.2672%2,371
Net loans and leases to core deposits81.7035%2,905
Total domestic deposits to total assets86.9464%2,721
Equity capital to assets8.9977%5,192
Core capital (leverage) ratio9.2585%4,739
Tier 1 risk-based capital ratio11.2349%6,175
Total risk-based capital ratio12.4379%6,164
Memoranda:
Average total assets$1,402,599,250485
Average earning assets$1,288,536,500479
Average equity$127,158,500565
Average total loans$972,044,750436
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9683%4,232
Cost of funding earning assets0.2527%6,161
Net interest margin3.7156%2,896
Noninterest income to average assets1.0887%1,291
Noninterest expense to average assets2.8679%3,444
Loan and lease loss provision to assets0.0863%3,353
Net operating income to assets1.0206%2,239
Return on assets (ROA)1.0198%2,366
Pretax return on assets1.5533%1,474
Return on Equity (ROE)11.2195%1,742
Retained earnings to average equity (ytd only)7.2634%1,764
Net charge-offs to loans0.2875%2,045
Credit loss provision to net charge-offs43.6364%3,347
Earnings coverage of net charge-offs (x)8.2960%2,422
Efficiency ratio63.6094%4,922
Assets per employee ($millions)5.1255%1,964
Cash dividends to net income (ytd only)*35.2609%2,446
Condition Ratios (%)
Loss allowance to loans1.4407%3,847
Loan loss allowance to noncurrent loans123.5202%2,955
Noncurrent assets plus other real estate owned to assets1.5189%2,827
Noncurrent loans to loans1.1664%3,606
Net loans and leases to total assets69.7348%1,929
Net loans and leases to deposits80.9923%2,181
Net loans and leases to core deposits82.6897%2,727
Total domestic deposits to total assets86.1005%3,307
Equity capital to assets9.0595%5,157
Core capital (leverage) ratio9.1916%4,708
Tier 1 risk-based capital ratio11.4021%6,158
Total risk-based capital ratio12.6525%6,120
Memoranda:
Average total assets$1,390,481,000487
Average earning assets$1,279,837,000480
Average equity$126,387,000573
Average total loans$956,687,330440
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9606%4,263
Cost of funding earning assets0.2743%6,136
Net interest margin3.6862%2,911
Noninterest income to average assets0.9877%1,495
Noninterest expense to average assets2.8678%3,470
Loan and lease loss provision to assets0.1728%2,135
Net operating income to assets0.8972%2,675
Return on assets (ROA)0.8993%2,806
Pretax return on assets1.3409%2,070
Return on Equity (ROE)9.8774%2,107
Retained earnings to average equity (ytd only)6.7136%2,308
Net charge-offs to loans0.2034%2,199
Credit loss provision to net charge-offs125.2610%1,548
Earnings coverage of net charge-offs (x)10.9478%1,695
Efficiency ratio65.5000%4,745
Assets per employee ($millions)5.0670%2,135
Cash dividends to net income (ytd only)*32.0307%2,044
Condition Ratios (%)
Loss allowance to loans1.5984%3,404
Loan loss allowance to noncurrent loans113.8089%3,016
Noncurrent assets plus other real estate owned to assets1.6603%2,786
Noncurrent loans to loans1.4045%3,459
Net loans and leases to total assets67.2330%2,150
Net loans and leases to deposits76.4098%2,568
Net loans and leases to core deposits77.9364%3,073
Total domestic deposits to total assets87.9900%2,316
Equity capital to assets9.2071%5,245
Core capital (leverage) ratio9.1064%4,710
Tier 1 risk-based capital ratio11.6138%6,125
Total risk-based capital ratio12.8656%6,094
Memoranda:
Average total assets$1,388,658,000488
Average earning assets$1,277,294,000481
Average equity$126,430,000579
Average total loans$941,829,500446
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4531%3,601
Cost of funding earning assets0.3737%6,083
Net interest margin4.0794%2,085
Noninterest income to average assets1.0062%1,520
Noninterest expense to average assets2.9352%3,518
Loan and lease loss provision to assets0.5645%1,008
Net operating income to assets0.8403%3,092
Return on assets (ROA)0.8567%3,260
Pretax return on assets1.2731%2,507
Return on Equity (ROE)9.2904%2,491
Retained earnings to average equity (ytd only)4.4187%3,120
Net charge-offs to loans0.9673%1,138
Credit loss provision to net charge-offs83.6848%3,705
Earnings coverage of net charge-offs (x)2.6877%4,087
Efficiency ratio61.8064%5,265
Assets per employee ($millions)5.0508%2,165
Cash dividends to net income (ytd only)*52.4384%2,205
Condition Ratios (%)
Loss allowance to loans1.5968%3,330
Loan loss allowance to noncurrent loans116.7680%2,922
Noncurrent assets plus other real estate owned to assets1.6262%2,961
Noncurrent loans to loans1.3675%3,548
Net loans and leases to total assets66.2498%2,490
Net loans and leases to deposits75.0709%2,954
Net loans and leases to core deposits76.5745%3,450
Total domestic deposits to total assets88.2496%2,065
Equity capital to assets9.0026%5,519
Core capital (leverage) ratio8.9894%4,913
Tier 1 risk-based capital ratio11.6542%5,991
Total risk-based capital ratio12.9065%5,955
Memoranda:
Average total assets$1,335,605,400498
Average earning assets$1,225,186,200491
Average equity$123,159,000584
Average total loans$931,428,800446
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5295%3,517
Cost of funding earning assets0.3944%6,153
Net interest margin4.1351%1,952
Noninterest income to average assets0.9645%1,621
Noninterest expense to average assets2.9663%3,350
Loan and lease loss provision to assets0.5809%982
Net operating income to assets0.8177%3,359
Return on assets (ROA)0.8374%3,519
Pretax return on assets1.2441%2,808
Return on Equity (ROE)9.0251%2,788
Retained earnings to average equity (ytd only)5.4899%3,043
Net charge-offs to loans0.6114%1,797
Credit loss provision to net charge-offs134.9988%2,135
Earnings coverage of net charge-offs (x)4.1729%3,378
Efficiency ratio62.2854%5,105
Assets per employee ($millions)4.9704%2,225
Cash dividends to net income (ytd only)*39.1708%2,219
Condition Ratios (%)
Loss allowance to loans1.8648%2,601
Loan loss allowance to noncurrent loans138.2210%2,440
Noncurrent assets plus other real estate owned to assets1.8020%2,907
Noncurrent loans to loans1.3491%3,770
Net loans and leases to total assets68.8497%2,142
Net loans and leases to deposits78.7562%2,562
Net loans and leases to core deposits80.3511%3,159
Total domestic deposits to total assets87.4213%2,408
Equity capital to assets9.1755%5,620
Core capital (leverage) ratio9.2068%4,750
Tier 1 risk-based capital ratio11.3934%6,302
Total risk-based capital ratio12.6488%6,250
Memoranda:
Average total assets$1,320,999,500505
Average earning assets$1,213,053,250497
Average equity$122,574,000587
Average total loans$929,654,250444
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5970%3,373
Cost of funding earning assets0.4172%6,179
Net interest margin4.1798%1,803
Noninterest income to average assets0.8109%2,132
Noninterest expense to average assets3.0485%3,093
Loan and lease loss provision to assets0.6089%969
Net operating income to assets0.6858%3,943
Return on assets (ROA)0.6923%4,171
Pretax return on assets0.9977%3,718
Return on Equity (ROE)7.4320%3,556
Retained earnings to average equity (ytd only)4.1392%3,857
Net charge-offs to loans0.7395%1,496
Credit loss provision to net charge-offs116.8678%2,358
Earnings coverage of net charge-offs (x)3.0656%3,521
Efficiency ratio65.6102%4,599
Assets per employee ($millions)4.6211%2,684
Cash dividends to net income (ytd only)*44.3066%1,979
Condition Ratios (%)
Loss allowance to loans1.8095%2,821
Loan loss allowance to noncurrent loans127.8934%2,564
Noncurrent assets plus other real estate owned to assets1.9469%2,850
Noncurrent loans to loans1.4149%3,790
Net loans and leases to total assets70.9076%1,748
Net loans and leases to deposits82.0669%2,100
Net loans and leases to core deposits83.9797%2,694
Total domestic deposits to total assets86.4022%3,139
Equity capital to assets9.4292%5,161
Core capital (leverage) ratio9.2074%4,601
Tier 1 risk-based capital ratio11.6628%6,131
Total risk-based capital ratio12.9180%6,107
Memoranda:
Average total assets$1,304,051,670516
Average earning assets$1,196,424,330506
Average equity$121,474,000591
Average total loans$918,719,670454
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5937%3,535
Cost of funding earning assets0.4318%6,245
Net interest margin4.1619%1,889
Noninterest income to average assets1.1030%1,161
Noninterest expense to average assets3.1298%2,819
Loan and lease loss provision to assets0.5473%1,078
Net operating income to assets0.8304%3,251
Return on assets (ROA)0.8350%3,456
Pretax return on assets1.2422%2,757
Return on Equity (ROE)9.0186%2,822
Retained earnings to average equity (ytd only)6.5346%2,662
Net charge-offs to loans0.3107%2,410
Credit loss provision to net charge-offs253.1915%1,130
Earnings coverage of net charge-offs (x)8.2468%1,982
Efficiency ratio63.7039%4,979
Assets per employee ($millions)4.6097%2,792
Cash dividends to net income (ytd only)*27.5432%2,154
Condition Ratios (%)
Loss allowance to loans1.9168%2,630
Loan loss allowance to noncurrent loans106.8552%2,892
Noncurrent assets plus other real estate owned to assets2.3139%2,565
Noncurrent loans to loans1.7938%3,421
Net loans and leases to total assets68.0644%2,101
Net loans and leases to deposits78.3090%2,450
Net loans and leases to core deposits80.2646%3,045
Total domestic deposits to total assets86.9177%3,005
Equity capital to assets9.2368%5,178
Core capital (leverage) ratio9.2587%4,428
Tier 1 risk-based capital ratio11.7947%6,089
Total risk-based capital ratio13.0508%6,066
Memoranda:
Average total assets$1,304,498,000515
Average earning assets$1,194,074,000505
Average equity$120,772,000591
Average total loans$907,545,500457
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8300%3,666
Cost of funding earning assets0.5800%6,188
Net interest margin4.2500%1,883
Noninterest income to average assets0.9913%1,392
Noninterest expense to average assets3.1958%2,883
Loan and lease loss provision to assets0.5828%1,774
Net operating income to assets0.7428%3,282
Return on assets (ROA)0.7502%3,426
Pretax return on assets1.1043%2,819
Return on Equity (ROE)8.2748%2,773
Retained earnings to average equity (ytd only)5.6816%2,182
Net charge-offs to loans1.0258%1,703
Credit loss provision to net charge-offs80.4348%4,431
Earnings coverage of net charge-offs (x)2.3133%4,060
Efficiency ratio65.5830%4,850
Assets per employee ($millions)4.2878%3,282
Cash dividends to net income (ytd only)*31.3381%3,060
Condition Ratios (%)
Loss allowance to loans1.8280%2,779
Loan loss allowance to noncurrent loans94.9239%3,178
Noncurrent assets plus other real estate owned to assets2.4238%2,510
Noncurrent loans to loans1.9257%3,302
Net loans and leases to total assets68.4752%2,312
Net loans and leases to deposits79.1834%2,658
Net loans and leases to core deposits81.3402%3,272
Total domestic deposits to total assets86.4767%3,041
Equity capital to assets9.2799%5,172
Core capital (leverage) ratio9.0734%4,662
Tier 1 risk-based capital ratio11.9184%5,884
Total risk-based capital ratio13.1738%5,861
Memoranda:
Average total assets$1,275,977,800514
Average earning assets$1,165,126,600506
Average equity$115,689,200597
Average total loans$901,360,400466
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8571%3,747
Cost of funding earning assets0.6152%6,213
Net interest margin4.2418%1,942
Noninterest income to average assets1.0537%1,209
Noninterest expense to average assets3.2000%2,837
Loan and lease loss provision to assets0.5924%1,663
Net operating income to assets0.7661%3,315
Return on assets (ROA)0.7768%3,433
Pretax return on assets1.1498%2,823
Return on Equity (ROE)8.6194%2,773
Retained earnings to average equity (ytd only)6.0032%2,553
Net charge-offs to loans0.8368%1,903
Credit loss provision to net charge-offs99.8940%3,424
Earnings coverage of net charge-offs (x)2.9111%3,687
Efficiency ratio64.9458%4,903
Assets per employee ($millions)4.3520%3,176
Cash dividends to net income (ytd only)*30.3521%2,459
Condition Ratios (%)
Loss allowance to loans2.0251%2,266
Loan loss allowance to noncurrent loans82.6087%3,470
Noncurrent assets plus other real estate owned to assets2.8250%2,298
Noncurrent loans to loans2.4515%2,821
Net loans and leases to total assets68.5749%2,362
Net loans and leases to deposits78.4442%2,896
Net loans and leases to core deposits81.7500%3,361
Total domestic deposits to total assets87.4187%2,397
Equity capital to assets9.2170%5,484
Core capital (leverage) ratio9.0740%4,817
Tier 1 risk-based capital ratio11.8991%5,961
Total risk-based capital ratio13.1569%5,942
Memoranda:
Average total assets$1,272,313,500518
Average earning assets$1,161,579,250508
Average equity$114,669,000606
Average total loans$901,645,250467
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8788%3,714
Cost of funding earning assets0.6601%6,170
Net interest margin4.2188%1,961
Noninterest income to average assets1.0713%1,148
Noninterest expense to average assets3.2555%2,715
Loan and lease loss provision to assets0.6106%1,570
Net operating income to assets0.7206%3,440
Return on assets (ROA)0.7256%3,532
Pretax return on assets1.0634%2,997
Return on Equity (ROE)8.1137%2,897
Retained earnings to average equity (ytd only)5.4662%2,708
Net charge-offs to loans0.4727%2,685
Credit loss provision to net charge-offs181.5110%1,659
Earnings coverage of net charge-offs (x)4.9545%2,729
Efficiency ratio66.1311%4,849
Assets per employee ($millions)4.1244%3,500
Cash dividends to net income (ytd only)*32.6300%2,365
Condition Ratios (%)
Loss allowance to loans2.2237%1,875
Loan loss allowance to noncurrent loans91.9463%3,115
Noncurrent assets plus other real estate owned to assets2.7453%2,435
Noncurrent loans to loans2.4185%2,969
Net loans and leases to total assets70.3759%2,141
Net loans and leases to deposits82.9948%2,279
Net loans and leases to core deposits85.6789%2,961
Total domestic deposits to total assets84.7955%3,972
Equity capital to assets9.2779%5,174
Core capital (leverage) ratio9.0158%4,694
Tier 1 risk-based capital ratio11.7349%5,986
Total risk-based capital ratio12.9952%5,980
Memoranda:
Average total assets$1,267,025,000523
Average earning assets$1,156,502,670517
Average equity$113,314,670614
Average total loans$901,651,670474
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8022%4,049
Cost of funding earning assets0.7019%6,124
Net interest margin4.1003%2,268
Noninterest income to average assets1.0535%1,187
Noninterest expense to average assets3.2180%2,827
Loan and lease loss provision to assets0.6534%1,321
Net operating income to assets0.6477%3,761
Return on assets (ROA)0.6578%3,787
Pretax return on assets0.9501%3,319
Return on Equity (ROE)7.4929%3,151
Retained earnings to average equity (ytd only)4.8143%3,295
Net charge-offs to loans0.3660%2,602
Credit loss provision to net charge-offs252.3002%1,233
Earnings coverage of net charge-offs (x)6.1344%2,152
Efficiency ratio66.9341%4,863
Assets per employee ($millions)4.1417%3,561
Cash dividends to net income (ytd only)*35.7483%1,849
Condition Ratios (%)
Loss allowance to loans2.1660%2,039
Loan loss allowance to noncurrent loans84.7653%3,359
Noncurrent assets plus other real estate owned to assets2.6530%2,592
Noncurrent loans to loans2.5552%2,933
Net loans and leases to total assets69.8113%2,168
Net loans and leases to deposits81.0355%2,518
Net loans and leases to core deposits84.1516%3,144
Total domestic deposits to total assets86.1491%3,436
Equity capital to assets8.9186%5,324
Core capital (leverage) ratio8.7682%4,974
Tier 1 risk-based capital ratio11.5827%6,036
Total risk-based capital ratio12.8424%6,016
Memoranda:
Average total assets$1,275,697,500524
Average earning assets$1,167,714,000519
Average equity$112,000,000616
Average total loans$902,740,000483
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9445%4,809
Cost of funding earning assets0.9715%5,830
Net interest margin3.9730%3,133
Noninterest income to average assets0.8749%1,950
Noninterest expense to average assets3.2577%2,882
Loan and lease loss provision to assets0.7772%2,112
Net operating income to assets0.3569%4,717
Return on assets (ROA)0.3617%4,861
Pretax return on assets0.4599%4,764
Return on Equity (ROE)4.2420%4,416
Retained earnings to average equity (ytd only)4.2420%2,873
Net charge-offs to loans1.1844%1,883
Credit loss provision to net charge-offs91.4831%5,063
Earnings coverage of net charge-offs (x)1.4491%4,667
Efficiency ratio72.5603%3,692
Assets per employee ($millions)4.1823%3,414
Cash dividends to net income (ytd only)*0.0000%3,950
Condition Ratios (%)
Loss allowance to loans2.0203%2,253
Loan loss allowance to noncurrent loans67.1458%4,046
Noncurrent assets plus other real estate owned to assets2.9423%2,389
Noncurrent loans to loans3.0088%2,543
Net loans and leases to total assets68.7655%2,795
Net loans and leases to deposits81.8742%2,834
Net loans and leases to core deposits84.9537%3,468
Total domestic deposits to total assets83.9893%4,369
Equity capital to assets8.6432%5,665
Core capital (leverage) ratio8.6155%5,170
Tier 1 risk-based capital ratio11.5825%5,840
Total risk-based capital ratio12.8410%5,844
Memoranda:
Average total assets$1,277,007,800530
Average earning assets$1,161,588,600524
Average equity$108,886,400617
Average total loans$916,012,800491
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9689%4,956
Cost of funding earning assets1.0180%5,852
Net interest margin3.9509%3,319
Noninterest income to average assets0.8089%2,194
Noninterest expense to average assets3.1875%2,969
Loan and lease loss provision to assets0.7788%1,959
Net operating income to assets0.3401%5,006
Return on assets (ROA)0.3541%5,126
Pretax return on assets0.4471%5,085
Return on Equity (ROE)4.1671%4,691
Retained earnings to average equity (ytd only)4.1671%3,542
Net charge-offs to loans1.1991%1,700
Credit loss provision to net charge-offs90.0544%4,761
Earnings coverage of net charge-offs (x)1.3971%4,687
Efficiency ratio72.4994%3,610
Assets per employee ($millions)4.2070%3,438
Cash dividends to net income (ytd only)*0.0000%3,526
Condition Ratios (%)
Loss allowance to loans2.0116%2,186
Loan loss allowance to noncurrent loans67.9580%3,923
Noncurrent assets plus other real estate owned to assets3.0783%2,354
Noncurrent loans to loans2.9600%2,694
Net loans and leases to total assets70.4197%2,634
Net loans and leases to deposits83.8849%2,724
Net loans and leases to core deposits86.2740%3,613
Total domestic deposits to total assets83.9480%4,159
Equity capital to assets8.7807%5,889
Core capital (leverage) ratio8.5830%5,371
Tier 1 risk-based capital ratio11.4044%6,018
Total risk-based capital ratio12.6629%5,999
Memoranda:
Average total assets$1,274,219,000524
Average earning assets$1,156,794,500522
Average equity$108,273,500610
Average total loans$918,996,750487
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9607%5,131
Cost of funding earning assets1.0601%5,873
Net interest margin3.9007%3,443
Noninterest income to average assets0.7027%2,689
Noninterest expense to average assets3.1840%2,964
Loan and lease loss provision to assets0.7781%1,851
Net operating income to assets0.2486%5,380
Return on assets (ROA)0.2550%5,496
Pretax return on assets0.2829%5,553
Return on Equity (ROE)3.0342%5,208
Retained earnings to average equity (ytd only)3.0342%4,179
Net charge-offs to loans1.4365%1,330
Credit loss provision to net charge-offs75.0113%4,837
Earnings coverage of net charge-offs (x)1.0160%4,774
Efficiency ratio75.1166%3,241
Assets per employee ($millions)4.0060%3,760
Cash dividends to net income (ytd only)*0.0000%3,319
Condition Ratios (%)
Loss allowance to loans1.9221%2,365
Loan loss allowance to noncurrent loans58.2282%4,451
Noncurrent assets plus other real estate owned to assets3.6683%1,907
Noncurrent loans to loans3.3010%2,429
Net loans and leases to total assets72.0523%2,383
Net loans and leases to deposits85.6074%2,573
Net loans and leases to core deposits90.8629%3,147
Total domestic deposits to total assets84.1660%4,029
Equity capital to assets8.7827%5,777
Core capital (leverage) ratio8.5384%5,346
Tier 1 risk-based capital ratio11.0646%6,168
Total risk-based capital ratio12.3217%6,153
Memoranda:
Average total assets$1,275,452,670524
Average earning assets$1,155,958,670523
Average equity$107,178,000610
Average total loans$920,975,000487
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8789%5,564
Cost of funding earning assets1.1158%5,828
Net interest margin3.7631%3,947
Noninterest income to average assets0.7398%2,359
Noninterest expense to average assets3.3019%2,527
Loan and lease loss provision to assets0.7683%1,649
Net operating income to assets0.1210%5,964
Return on assets (ROA)0.1226%6,072
Pretax return on assets0.0672%6,214
Return on Equity (ROE)1.4911%5,964
Retained earnings to average equity (ytd only)1.4911%5,200
Net charge-offs to loans1.2926%1,323
Credit loss provision to net charge-offs83.0100%3,812
Earnings coverage of net charge-offs (x)0.9010%4,239
Efficiency ratio79.8219%2,594
Assets per employee ($millions)4.0364%3,789
Cash dividends to net income (ytd only)*0.0000%2,528
Condition Ratios (%)
Loss allowance to loans2.0310%2,103
Loan loss allowance to noncurrent loans57.4663%4,504
Noncurrent assets plus other real estate owned to assets3.7298%1,864
Noncurrent loans to loans3.5342%2,258
Net loans and leases to total assets71.5512%2,560
Net loans and leases to deposits85.4471%2,692
Net loans and leases to core deposits91.8505%3,125
Total domestic deposits to total assets83.7374%4,271
Equity capital to assets8.4639%6,053
Core capital (leverage) ratio8.3066%5,727
Tier 1 risk-based capital ratio10.8042%6,340
Total risk-based capital ratio12.0625%6,315
Memoranda:
Average total assets$1,292,242,500534
Average earning assets$1,166,176,000532
Average equity$106,232,000620
Average total loans$925,295,500508
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1682%5,798
Cost of funding earning assets1.3858%5,991
Net interest margin3.7824%3,783
Noninterest income to average assets0.6338%3,399
Noninterest expense to average assets3.0829%3,824
Loan and lease loss provision to assets1.2967%1,783
Net operating income to assets-0.1338%5,730
Return on assets (ROA)0.0034%5,530
Pretax return on assets-0.1002%5,601
Return on Equity (ROE)0.0415%5,523
Retained earnings to average equity (ytd only)-1.2489%5,328
Net charge-offs to loans1.3230%1,887
Credit loss provision to net charge-offs135.1404%3,671
Earnings coverage of net charge-offs (x)1.0236%5,090
Efficiency ratio75.8203%3,558
Assets per employee ($millions)4.1802%3,479
Cash dividends to net income (ytd only)*3,111.1111%9
Condition Ratios (%)
Loss allowance to loans2.0615%1,884
Loan loss allowance to noncurrent loans59.4271%4,422
Noncurrent assets plus other real estate owned to assets3.6905%1,806
Noncurrent loans to loans3.4689%2,190
Net loans and leases to total assets68.7962%3,531
Net loans and leases to deposits84.8039%3,119
Net loans and leases to core deposits93.3757%4,743
Total domestic deposits to total assets81.1238%5,306
Equity capital to assets7.9897%6,597
Core capital (leverage) ratio7.9233%6,295
Tier 1 risk-based capital ratio10.6843%6,223
Total risk-based capital ratio11.9429%6,190
Memoranda:
Average total assets$1,332,251,400508
Average earning assets$1,208,572,600506
Average equity$108,494,000602
Average total loans$966,180,400491
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3312%5,268
Cost of funding earning assets1.4335%6,110
Net interest margin3.8977%3,242
Noninterest income to average assets0.9959%1,619
Noninterest expense to average assets3.4422%2,442
Loan and lease loss provision to assets1.2545%1,537
Net operating income to assets-0.1049%5,898
Return on assets (ROA)0.0513%5,636
Pretax return on assets0.0238%5,662
Return on Equity (ROE)0.5975%5,615
Retained earnings to average equity (ytd only)-0.7920%5,435
Net charge-offs to loans1.2144%1,677
Credit loss provision to net charge-offs134.6704%3,690
Earnings coverage of net charge-offs (x)1.2046%4,862
Efficiency ratio75.4148%3,605
Assets per employee ($millions)5.1377%1,981
Cash dividends to net income (ytd only)*232.5591%155
Condition Ratios (%)
Loss allowance to loans1.8669%2,109
Loan loss allowance to noncurrent loans42.3108%5,495
Noncurrent assets plus other real estate owned to assets4.1634%1,511
Noncurrent loans to loans4.4123%1,595
Net loans and leases to total assets69.4076%3,629
Net loans and leases to deposits87.6986%3,022
Net loans and leases to core deposits99.1832%4,460
Total domestic deposits to total assets79.1434%5,752
Equity capital to assets8.1339%6,710
Core capital (leverage) ratio8.1832%6,048
Tier 1 risk-based capital ratio10.4017%6,570
Total risk-based capital ratio11.6576%6,509
Memoranda:
Average total assets$670,836,7501,039
Average earning assets$614,154,0001,031
Average equity$57,573,2501,167
Average total loans$514,598,250942
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4407%4,935
Cost of funding earning assets1.4542%6,312
Net interest margin3.9865%2,761
Noninterest income to average assets0.9360%1,814
Noninterest expense to average assets3.5543%2,181
Loan and lease loss provision to assets1.1752%1,462
Net operating income to assets-0.1182%6,045
Return on assets (ROA)0.0473%5,802
Pretax return on assets0.0173%5,829
Return on Equity (ROE)0.5409%5,772
Retained earnings to average equity (ytd only)-0.4993%5,347
Net charge-offs to loans1.2953%1,429
Credit loss provision to net charge-offs115.0787%4,024
Earnings coverage of net charge-offs (x)1.0056%4,780
Efficiency ratio77.5837%3,407
Assets per employee ($millions)4.6110%2,585
Cash dividends to net income (ytd only)*192.3077%241
Condition Ratios (%)
Loss allowance to loans1.5851%2,807
Loan loss allowance to noncurrent loans57.3623%4,594
Noncurrent assets plus other real estate owned to assets3.2610%1,914
Noncurrent loans to loans2.7633%2,606
Net loans and leases to total assets74.9007%2,467
Net loans and leases to deposits94.9152%1,969
Net loans and leases to core deposits105.6624%3,875
Total domestic deposits to total assets78.9133%5,838
Equity capital to assets8.4378%6,145
Core capital (leverage) ratio8.5501%5,359
Tier 1 risk-based capital ratio10.2236%6,684
Total risk-based capital ratio11.4783%6,609
Memoranda:
Average total assets$659,826,3301,081
Average earning assets$603,342,0001,067
Average equity$57,680,3301,172
Average total loans$520,187,000953
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5700%4,524
Cost of funding earning assets1.4695%6,507
Net interest margin4.1005%2,264
Noninterest income to average assets0.8469%2,093
Noninterest expense to average assets3.4080%2,333
Loan and lease loss provision to assets1.1788%1,098
Net operating income to assets0.0449%6,144
Return on assets (ROA)0.0381%6,315
Pretax return on assets0.0025%6,371
Return on Equity (ROE)0.4281%6,298
Retained earnings to average equity (ytd only)0.4281%5,488
Net charge-offs to loans1.3439%1,050
Credit loss provision to net charge-offs109.2877%3,522
Earnings coverage of net charge-offs (x)1.1014%4,200
Efficiency ratio74.1508%3,798
Assets per employee ($millions)4.3355%3,006
Cash dividends to net income (ytd only)*0.0000%2,832
Condition Ratios (%)
Loss allowance to loans1.5204%2,863
Loan loss allowance to noncurrent loans51.9743%5,087
Noncurrent assets plus other real estate owned to assets3.6575%1,448
Noncurrent loans to loans2.9252%2,234
Net loans and leases to total assets77.4910%1,933
Net loans and leases to deposits96.3196%1,897
Net loans and leases to core deposits106.4807%3,855
Total domestic deposits to total assets80.4519%5,193
Equity capital to assets8.8607%5,540
Core capital (leverage) ratio8.8355%4,927
Tier 1 risk-based capital ratio10.2152%6,699
Total risk-based capital ratio11.4679%6,610
Memoranda:
Average total assets$650,829,0001,092
Average earning assets$595,045,0001,082
Average equity$57,924,0001,173
Average total loans$522,345,500954
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.3087%3,917
Cost of funding earning assets1.8472%6,874
Net interest margin4.4615%1,509
Noninterest income to average assets1.2780%900
Noninterest expense to average assets3.6029%2,136
Loan and lease loss provision to assets1.2118%1,186
Net operating income to assets0.3926%5,184
Return on assets (ROA)0.3034%5,351
Pretax return on assets0.4361%5,166
Return on Equity (ROE)3.4257%5,072
Retained earnings to average equity (ytd only)1.1575%4,534
Net charge-offs to loans1.1755%1,029
Credit loss provision to net charge-offs124.9589%4,283
Earnings coverage of net charge-offs (x)1.8306%5,158
Efficiency ratio66.9908%4,910
Assets per employee ($millions)4.0692%3,373
Cash dividends to net income (ytd only)*66.2112%2,366
Condition Ratios (%)
Loss allowance to loans1.4482%2,934
Loan loss allowance to noncurrent loans74.7393%4,340
Noncurrent assets plus other real estate owned to assets2.7560%1,715
Noncurrent loans to loans1.9377%2,848
Net loans and leases to total assets80.6629%1,513
Net loans and leases to deposits102.3549%1,548
Net loans and leases to core deposits111.2071%3,652
Total domestic deposits to total assets78.8071%5,448
Equity capital to assets8.9398%5,445
Core capital (leverage) ratio8.7398%5,132
Tier 1 risk-based capital ratio9.8137%6,944
Total risk-based capital ratio11.0648%6,829
Memoranda:
Average total assets$627,166,6001,071
Average earning assets$576,378,8001,072
Average equity$55,550,8001,212
Average total loans$517,398,000918